If you read my blog I’m guessing one of four things is true about you. 1) You have at least a moderate level of interest in personal finance. 2) You could care less about personal finance, but you at least moderately enjoy my stick figure drawings. 3) You could care less about personal finance and my drawings, but you have at least a moderate level of interest in my personal life. 4) You ended up here by accident and will be leaving just as quickly as you came (I hate you fourth-category person ).
Since this is a personal finance blog, and most of us have an interest in the topic, I thought we could talk a little bit about the how we became so stinkin’ nerdy.
There is nothing inherently sexy, or even all that appealing, about money. We’ve already decided money has no intrinsic value, so why the heck do I find it so fascinating? I mean, it wasn’t always this way. Heck, I didn’t even know how to transfer money from my savings to my checking account until I was 22 years old! Twenty-freaking-two. (my mom always made the transfer for me)
In just three months, I went from college student; never paying rent, car insurance, or really any bills for that matter, to a federal agent who suddenly had all sorts of financial obligations and commitments. I couldn’t even spell 401K, let alone understand the importance of one.
It wasn’t until about three months in to my job that I decided I needed a game plan. I had a conversation with a close friend about Roth IRA’s and he gave me a PF book to read, Smart Couples Finish Rich. The book was meant for married couples, but that didn’t keep me from reading the thing front to back in two days. I was immediately hooked.
Who-woulda-thunk-it? Apparently you can get “rich” without having to be a millionaire. In fact, if I manage my money properly from age 22 to 65, I could retire with millions upon millions of dollars. I hopped on the internet, started reading some blogs, and decided to chronicle my own PF journey.
And that’s how it happened. In about seven days time I went from not giving a hoot about personal finance to starting a blog called Punch Debt In The Face. Crazy.
How did the start of your PF journey come about? What motivated you to get your life in order? What keeps you motivated as the initial excitement wears off?
p.s. in other depressing news, Los Angeles Counties Board of Supervisors just gave the okay that anyone who throws a frisbee or a football on the beach can be subject to a $1,000 fine. Never thought I’d have to say to my kids “When I was your age we use to be able to dig holes in the sand.” <—-also a $1,000 fine. Dumbest. Rule. EVER!!!!