Being in Debt Does NOT Make You a Dumb*ss. Staying in Debt DOES!

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My ability to attain a relatively successful career meant that I probably wasn’t a flat out dumbass, regardless of what my wife might lead you to believe. My inability to manage personal finances, however, meant that I was undoubtedly ignorant in regards to the subject.

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I was the first male in my family to graduate from high school. Truth be told, I had a half-uncle who graduated high school about 6 years before me, but I’m choosing to ignore that to make for a better story.

Side Note: Yes I said my uncle graduated high school six years before me. My grandfather re-married very late in life and had a child with his new bride. Don’t ask, folks… it’s Smalltown, USA.

So like I said, I was the first male in my family to earn my high school diploma. My dad dropped out either his Sophomore or Junior year, and I’d be surprised if my grandpa made it much past the 8th grade. They were taught that school was for chumps, and the moment you had identified a career, schooling had served its purpose.

Yet both my father and his dad were incredibly bright. My dad still has an amazing knack for Marketing, even though I doubt he’d know that is what it’s actually called. He knows he’s good at “selling people stuff,” but could give two sh*ts about the terminology or psychology behind it. Both he and my grandfather started highly successful businesses, despite their lack of formal education, and both took chances that I to this day don’t have the courage to take.

So I didn’t have a lot to live up to in terms of expectations. If I had dropped out of high school early, I’m sure my parents would have been slightly disappointed, but it wouldn’t have been the end of the world.

While my older sister blazed through both high school and college earning a 4.0 degree at both along the way (along with things like Class Valedictorian, President’s lists, scholarships, and the like) I maintained a rock solid 2.5 GPA, mostly due to sports and… well… not really caring about school.

Again… I didn’t have much to live up to.

I did manage to graduate high school, and then attended one year at university, dropped out thanks to a job offer from my father, and later in life returned to get a degree and several certificates. In all, I’ve probably completed around 6-7 years of post-high school schooling of some kind, and now have a successful career in videogames.

Take that, weirdly-young half uncle!Read More »

Potato Guns, Whiskey, and Regret – Camping In My Hometown

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The Thursday Think Tanks are semi-random thoughts that may not necessarily fall directly into the category of finances, but I still feel are worth sharing. Read at your own risk!

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I love to go camping. When I was young my parents used to take us to a 2 week long family reunion up in the mountain forest a couple of hours from my house. We’d spend the week playing in rivers and lakes, rafting, and cooking amazing food over an open fire pit.

Other times my Dad would just get a wild hair up his backside and decide that it seemed like a good weekend to take the camp trailer up into the woods and explore for a while. He’d call up several other families, and in a matter of minutes we’d be in our Chevy Blazer on the way to the market for ice, beer and hot dogs — an entire caravan of jacked up vehicles towing camp trailers behind us.

As an adult, I don’t get to camp as often as I do. We don’t have a camp trailer, and my wife isn’t fond of tent camping, so we just haven’t found a way to make it all click.

However on rare occasions, I travel back to my hometown and camp with old high school buddies. It’s usually two or three nights packed with games of horseshoe, music, and FAR TOO MUCH drinking.

One such trip resulted in a story that I will never forget…Read More »

A Boy’s Blog About Being A Broke Buffoon

I’ll keep making the posts as entertaining as possible if you folks continue to share the blog with people you think might enjoy or find value in it.

Starting Debt (01.01.19): $126,310.77
Current Debt: $109,710.00
Total Paid Off: $16,600.77
Income Going to Savings: 2%

January of this year was a rough month. I didn’t feel like doing much of anything other than wallowing in my own sadness of stupid mistakes and financial misfortune.

Let’s keep in perspective just how bad the shock was that I had received: I literally thought I was going to lose the house I had bought less than 1 year prior.

So if I wanted to wallow for just a bit, I feel as though I was entitled. You don’t give a pig an entire pen of the deepest mud you can find and not expect at least some wallowing.

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Tangent: Did I mention I was raised in the country? We never owned pigs though. We owned a buttload of cattle (around 3,000), and had a goat at one point, but no pigs at any point. I know enough about pigs to know they wallow and they enjoy mud, but please don’t expect lots of pig facts in future posts. It ain’t happening.

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We had no earthly idea how to dig out of this mess, and there were lots of options thrown about including filing for Chapter 13. Which in the book “How to Mess Up Your Life” is a chapter that falls right between the much more exciting chapters of Chapter 12: Booze and Chapter 14: Buying Your Spouse a Vacuum for Their Birthday.Read More »