It’s time to update my About Me page again. A lot has changed over the last three years and it only makes sense to make sure Punch Debt In The Face readers know a little about the author behind the blog. Without further ado, Me…
Why did you name your website Punch Debt In The Face?
- If debt had a face, I would like to punch it.
- I want to keep personal finance lighthearted and hopefully palatable for the average joe.
Who are you?
I started blogging under the pseudonym Ninja in 2009. At the time keeping my identity private was important to me. I knew nothing about blogging and feared that a random reader would begin stalking me, cut my skin off, and wear it like a dress.
Over the years, however, I’ve come out of the blogging closet a little. Primarily because my wife and I were given an opportunity to appear on national TV to talk about our personal finances. Apparently Steve Harvey didn’t want to blur our faces out for broadcast.
Here’s a picture of my wife and I so you know who you’re dealing with (warning: she’s a babe)…
Do you work in finance?
So what do you do?
I’m a Special Agent.
If you don’t work in the financial world, why should people read your blog?
Let’s be honest. You probably shouldn’t read my blog. There are a million other bloggers out there that have blogs far superior to mine. The only thing I have going for me is a hot wife and crappy drawings…
In all seriousness, here’s a little about my story…
I graduated college in 2007, right before the economy took a dump on itself. I had $28,000 in student loan debt and no income. Four months after graduation, I landed my first big-boy job making $38,000/year.
Knowing that I was probably never going to make a huge salary (that’s government for ya), I had to figure out ways to make my money work harder for me. This meant I needed to:
- Pay all my student loans off ASAP (took me 2.5 years to pay back the $28,000)
- Start contributing to retirement funds (Roth IRA and my TSP)
- Save for a down payment (took my wife and I three years to save $100,000 cash)
- Quit being tool bags and manage our money properly (we use Mint to track our spending)
By following a few simple principles, namely spending less than we were making, we’ve gone from a negative $28,000 net worth to $400,000+.
FOUR HUNDRED THOUSAND DOLLARS!
We aren’t part of the one percent nor were we gifted
large sums of money any money by family. All it took was being proactive with our money and telling it where to go. Best news is, YOU CAN DO IT TOO!!!
Life has been a wild ride for my wife and I over the last few months.
– We bought a $350,000 house just outside of Seattle in July 2013 (yes, we put 20% down)
– We began renting our basement out to a friend for $400/month
– We are expecting our first human-fetus-baby-thingy to breach the birth canal June 2014
– We got a puppy December 2013, a Vizlsa named Nova Scotia.
Like I said earlier, it’s been a wild journey for us lately.
Would love to have you join us as we continue navigating life and our finances.
p.s to learn even more about me, click any of the links in this article as they should point to relevant posts 😉