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I Believe - Sis

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“I believe that we will win, I believe that we will win” It had to be high school freshman basketball where me and 8 other 15 year old girls would shout that in the locker rooms before games. Next, there is the saying, seeing is believing, when you go to a magic show. Then there is that song my mom use to sing to us, picture us dancing with a high toned voice, I believe in thing called love, just listen to the rhythm of the heart”. Let just say there are a lot of things I believe in.

I believe in life. I think life is meant to be lived. We are meant to be happy and we all have the ability to live a fulfilled life. Money can take away and add joy. It is a toll that one can use to reach that happiness but it is not the golden ticket. I have had to work really hard to make money not a monster or a king but a tool. In the end, no matter what current financial state you are in, it is your responsibility to regulate your joy and live a happy life. You have to believe that you will win!
I beli…

I Believe - Bro

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I believe in financial health. It is not necessary to save 50% of your income but it is important to have some form of an emergency fund, some investments for retirement, and an understanding of your financial picture. Taking this one step further it is important to help those who may not be as healthy. I have helped my grandma with her finances, got my sister started in investing, and I am in the process of helping my brother in law as well. I do not see my brother in law pursuing FIre but there is no reason why he cannot improve his finances.

I believe in more than money. It is easy to over optimize (as previously discussed). If you hit the big ticket items then skipping the cup of coffee will get you to FIRE sooner but at some point it is just not worth the trade off. It has been discussed how a dollar saved now is worth lots more if invested and allowed to grow for 30 years. This is true ( and powerful) but at some point I just don't care.
I believe in Ohana (family). I am a …

Finances Take A Sick Day - Sis

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Listen, the struggle is real. I am 37 weeks pregnant with a sick two year old. Oh wait lets up that anti, I also am sick! Last thing I want to do is think about is money. I want to curl into a ball and go back to bed, but it is times like these you trust the systems you have put into place.
If warm soup or name brand kids medications are what sounds good this week, then you are darn certain I am going to buy it. That is what a budget is for. Some days you will go over and other days you will go under. It is all about balance. My family uses the app Mint to track our monthly budget. This helps me know where I am standing at all times. If I need to spend more one week to make my family more comfortable then I can do so without reservations. Later we can balance out the cost or just think of it as sunken, either way, I value my families comfort more than a budget.
Luckily we have not had to go to the doctor or hospital yet. In the case that we would have to I would not have to worry abo…

Choosing not to Optimize - Bro

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I am an engineer to my core. There is nothing I enjoy more than taking things apart to really understand how they work. The real icing on the cake is when I can improving on something after taking it apart.

For a while now I have treated my finances the same way. I have even gone so far as to consider canceling Netflix (something that would quite possibly cause my wife to divorce me). Doing the math $12/month really has zero impact on my finances. Choosing to not go out for lunch with a friend will save you $10 but really the joy you get from the lunch is worth much more than that. Where these decisions really matter are when you get into the high dollar items. Choosing to not optimize on taxes, your house, or your car can really set you back. In spite of that I have made the decision to make certain financial “mistakes”.
The first and most major financial “mistake” I choose to make is to keep my cabin. Our cabin is a place were my family can relax and truly unwind. Cell service here…

5 Ways To Prevent Financial Savings Burnout - Sis

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Starting something new is exciting. It’s easy to get lost in taking action and seeing quick results. What happens when you start feeling burnt out? You can get tired of being a saver, not spending on perceived desires or always thinking about the monetary cost behind things. It can be very hard to stay the course. Other things like lack of family support or family fatigue can make a person feel burnt out. Some simple actions can help prevent burn out and get us through these times of struggle.

1) Set intermediate levels of goals
My husband is a list man. Every weekend he creates a chore list and gets satisfaction of crossing off his accomplishments. Then at the end of the weekend, he can judge his weekend by what is left of the list or that he was able to complete on it. You may set a savings rate goal, or 10 year plan but those things take time and several steps. Make sure you celebrate small wins as well. Write things down as well so you can see what you have accomplished. This als…

Interview - Bro

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For this weeks post check out ESI Money where I did an interview. Enjoy

Siddhartha- Financial Independence Lessons Learned - Sis

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I recently listened to the classic book, Siddhartha by Hermann Hesse. The book was originally published in 1922 in German. The story follows Siddhartha and his lifelong spiritual journey and self discovery. This story is full of perspective on love, learning, life's journey and discovery. It’s one of those books you can read ten times and seem to take away something new from it each time. When reflecting back on the book, there are several lessons that can be connected to one's financial journey in pursuit of independence.

Family blessings

Siddhartha came from a very loving family and was well respected in his community growing up. His dad was very wise and spiritual. He had great dreams of Siddhartha growing up to be a strong community leader. However, as a young teen, Siddhartha felt while he had learned many great lessons from his dad and community, there was more out in the world that he could only learn from experience. He told his dad that he would be leaving and setting o…