★ What Was Your Money Epiphany?

Posted January 12, 2017 6:03 am by with 49 comments

thinking sunset


 
The first time my wife and I did a monthly budget, I was shocked by what I saw. I had guessed that we spent $100 eating out the month before. I was wrong. Way wrong.

We had spent $450!! Okay budget, you have my full attention now, teach me your wise ways.

This was our money epiphany.

At first, I was angry that we were so foolish and wasteful. But then I got excited when I realized how easily we could turn things around and start making big progress.

I’ve been doing a budget and tracking our spending and our net worth every month since. (None of which my wife or myself had ever done before.)

It was a total game changer.

Your Money Epiphany

It’s amazing to hear the stories of how people first started paying attention to their money.

There’s always a light bulb moment. Some event in a person’s life that grabs their attention. Most the time it’s because of a close call or even a financial disaster, but whatever it takes to get your attention is ultimately good.

One interesting thing about these money epiphanies is that they are also always different. That’s why it’s called personal finance. No two situations are the same.

We’ve collected a few money epiphanies from our forums and present them to you here with the hopes they will inspire you to pay even more attention to your money.

Take a look, and then share your own!

Mine was remembering when more money was going out than coming in! I started to read some books on finance and then started to sell stuff, refinanced my Jeep three times to get my payments to a manageable level where I could pay them down. – Steve Goodwin, My Family on a Budget

We spent 15K on a desperately needed re-wiring of our small 100-year-old house that we love. This included adventures in expensive light fixtures, dimmer switches and new fans. It was almost our entire cash savings. During the project, my husband sent me a Forbes article on Mr. Money Mustache which led me to Frugalwoods which led me to Budgets Are Sexy… The same week I was on Personal Capital and immediately put a halt on all spending in our household. Turns out, I was the one doing all the saving and spending. We started doing challenges like eating everything in the freezer and cupboards. – Jillena

I realized that I did not have to wait until 65 to retire just because everyone did – nothing magical happens at that age, it’s all just money. I started tracking all my expenses (first by using pen and paper for thirty days! I recommend it!) and rejoiced at every dollar I could throw at my future million! – myr_heille

My epiphany was back in August 2014. I crashed my car and had to buy a new one. My insurance did not cover the loss so my savings was instantly drained. This is when I just knew I had to do something about it and started searching the internet and founded blogs like The Minimalists, Rockstar Finance, Mr. Money Mustache and the likes. The concept of financial independence really pulled me and started working on my new goal. This is to be financially independent by age 40. Not that I will likely quit my job when I turn 40, but just have the feeling of freedom that losing my job would not matter one bit. – Holland4FI

Mine came at a young age. Shortly after high school I was working part-time jobs and taking classes at a community college. One month my girlfriend (now my wife) said we were going to be short for the month on rent/food. This was back in the day before cell phones and we drove old clunker cars so our expenses were very low. So to make ends meet for that month (we had no credit which is a blessing!) we had to donate plasma. While donating plasma, I was sitting between two rival gang members who were exchanging pleasantries. I didn’t ever want to do that again. – Joe_5700

Seeing over 5K paid in interest for one year on my student loans was the major kick in the ass I needed to get my act together! – ApathyEnds

I freaked out a little when I got married and realized that my husband had consumer debt, which I had never had… However, I had twice as much in school loans, which I thought were ‘good debt.’ Ugh. – ChooseBetterLife

Sallie Mae asked for her money back on my wife’s student loans. We were already paying about $300 a month in student loans, on top of a car loan, a couple of credit cards, and a personal loan. When Sallie wanted another $600 every month on top of all that and just laughed at us when we tried to negotiate, we knew something had to change. – Kyle

When I couldn’t find a full-time job and felt forced to move from NYC. Then when I found myself on food stamps in Portland to get by. I knew I never wanted to be in that position EVER AGAIN. Debt was ruling my life and making all the decisions for me. I decided to break up with my debt officially when I started my blog in January 2013! – deardebt

13 years ago, I was 35K in consumer debt and maxed out on my credit cards. A friend took me to lunch to find out what was wrong and I started crying because after bills, I had $5 for food for me and my cat. People were calling and asking for money and I didn’t know how I was going to even feed my cat. My friend told me to file for bankruptcy and that was like a slap in the face. I remember sitting up and saying no way. I went back to work and cashed out some vacation to cover me for a bit. I also bought a cheap bike, got rid of my car, and gave myself a crash course in budgeting and debt repayment. Three years later, I was debt-free. I had a smaller epiphany this summer when I realized I needed to save more for retirement or I wasn’t going to be in a good place. I found Budgets Are Sexy and the others and it opened me up to the world of FIRE. One of those things that makes you go hmmm… What else is there for me? – Lisa

Mine was only just a year ago. I was on Facebook and an old colleague posted (with outrage) the article about how millennials saving their money is stupid and they should be spending their money on experiences and going out now. My friend then linked to her favorite site which happened to be BudgetsAreSexy. I clicked through and read probably half of the site that day. I decided to go through and track every penny I had spent over the past four months and realized I was spending over $1,000 per month on food and alcohol for just myself and my fiance! Yikes… since then, I decided my goal would be to max out my Roth IRA, 401K and HSA. A couple of weeks left in the year, but I should be on track to hit that goal. I mentioned this to a much older co-worker recently and he could not believe how I was able to do this. Either I was getting paid much more than him (trust me, I am not) or I was super cheap. Things have been great. I still vacation and do fun activities, I just don’t buy rounds of drinks for everyone I know every weekend or eat out at lunch anymore. I suggested he track his expenses for the past 3 months. He gasped and said, “That would be too horrifying. I don’t even want to see that.” Which is exactly the problem. Ignorance is bliss. Just like not wanting to step on the scale after a few years of overindulgence. But, what you can track, you can manage and change. It is terrifying seeing how much money you spend on things that don’t truly add to your life. But, this is the best way to find your problems and face them head-on. – JVG

When my grandpa died and his house was being cleaned out, most of his stuff was tossed in a dumpster or donated to the local thrift shop. Huge eye opener for me. Up until that point I was like everyone else that wanted a big house, nice car, fine clothes, etc. My first epiphany was realizing that this $#!7 doesn’t matter. Read the full story here at Get Rich Quickish .net

Mine was buying a house at the peak of the market with $0.00 down and an interest-only loan! Thankfully we could afford it and I was never terrible with money (just decisions!), but from that point forward I actively started paying attention to money and then accidentally stumbled across the PF blogosphere. And you know how that turned out. – J. Money

What was your money epiphany?

Derek heads up the Weekly Money Challenges here at Rockstar Finance and over in the Rockstar Money Forums. He also runs an outrageous blog and podcast over at HowDoIMoney.com – check it out!
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49 responses to ★ What Was Your Money Epiphany?

  1. Go Finance Yourself! January 12th, 2017 at 7:52 am

    Mine came at a relatively young age when I started learning about the miracle of compounding. I realized I could become rich over time with just a little bit of discipline and consistent savings. My FIRE epiphany came last year. I’ve always been a good saver, but not to the degree I needed to retire super early. For some reason I had just never thought of it. Reading so many great stories about people achieving FIRE gave me the ah ha moment I needed to get my butt in gear and start towards achieving FIRE myself.

    Reply

    • Derek Olsen January 12th, 2017 at 10:34 am

      It’s crazy how just having the thought of reaching FIRE can elude us. It’s equally as crazy that just having the thought can be what turns the idea into reality. Thoughts are powerful!

      Reply

  2. Brian @ Debt Discipline January 12th, 2017 at 8:50 am

    We had ours when we couldn’t afford a summer vacation for our family. We had no cash and maxed our credit lines. When we organized our bills we had over $100k in debt. We quickly realized we had to make a change. We began to debt snowball our debt and never looked back.

    Reply

    • Derek Olsen January 12th, 2017 at 10:36 am

      Great to hear you made some changes. Seeing your total debt can be scary, but if that’s what it takes to get your attention and start making progress, it’s ultimately a good thing.

      Are you debt free yet? (I can’t keep up with everyone!!! haha)

      Reply

  3. Mrs. Picky Pincher January 12th, 2017 at 9:11 am

    Ooooh, good one.

    For me, it was the realization that I couldn’t buy a house with my money habits. I stumbled upon Mr. Money Mustache and then fell down a rabbit hole of frugality. :)

    Reply

    • Derek Olsen January 12th, 2017 at 10:36 am

      MMM is a great rabbit hole to fall down into! Great dude.

      Did you buy a house yet?

      Reply

  4. Measuring Life in Coffee Spoons January 12th, 2017 at 9:21 am

    When we were first married (and living on a very limited income) I checked out a copy of David Bach’s “Smart Couples Finish Rich” from my local library. It was the first personal finance book I ever read, but it really stuck and inspired my husband and I to talk about our finances and set priorities.

    Reply

    • Derek Olsen January 12th, 2017 at 10:39 am

      Haven’t read that one. But one of the first books I read on personal finance was The Automatic Millionaire by David Bach. It’s a fantastic book.

      I want to say it’s probably got some of the same teachings as Smart Couples Finish Rich, but again, I haven’t read that one!

      Reply

  5. Alyssa January 12th, 2017 at 9:35 am

    My epiphany was February 2016. I had just graduated from law school in December and started working on a short-term contract in February. Knowing that I was going to have to start paying off my student loans, I asked my friend if she would send me some of the blogs she reads about PF and paying off student loans. We had talked about them before. One blog post from Bridget Casey at Money After Graduation kind of messed me up (in the best possible way): http://www.moneyaftergraduation.com/2015/07/16/you-have-a-debt-problem/
    The title speaks for itself: You Have a Debt Problem.

    I’m a blunt person so I appreciated the delivery and directness of the article. It was as if she was looking straight at me and talking directly to my issues. I thought I was pretty good with money–always paid my credit cards, had good credit–but my husband and I had racked up a huge amount of debt even though both of us went to an inexpensive law school and worked throughout. I knew there was no reason for us to be this much in the hole. We got our shit together ASAP: froze buying coffees and eating out almost entirely. We were never big spenders on drinks and nights out, but there was so much mindless spending, it was unbelievable.

    Now, we have completely transformed our spending and are on track to pay off almost 80k in debt by March. I’ve also noticed that since starting this journey, our communication has improved tremendously. We hold up mirrors to each other and when conflicts arise, we are much better at talking them out as opposed to arguing. It has been challenging at times not spending any money at times and I have definitely become more reclusive, but I feel really good about the results and know that our determination and commitment will serve us well.

    I’m so grateful that the PF community exists online. It offers a wealth of transformative resources, knowledge, and game-plan suggestions. Sometimes I feel like I’ve learned more from these blogs than my degrees.

    I’m so excited for Life After Debt

    Reply

    • Derek Olsen January 12th, 2017 at 10:43 am

      AAAHHH!!! I just loved reading this. Seriously, you got me all fired up.

      “I’ve also noticed that since starting this journey, our communication has improved tremendously.” So true!!! Money within a marriage isn’t really about the money, it’s about communication (among other things too).

      “I’m so grateful that the PF community exists online. It offers a wealth of transformative resources, knowledge, and game-plan suggestions. Sometimes I feel like I’ve learned more from these blogs than my degrees.” BINGO!!! I’m so grateful for all these people who share, teach, and encourage with their blogs and books and podcasts.

      “I’m so excited for Life After Debt” Me too!!! My wife and I will be debt free THIS YEAR!

      Reply

  6. Mr. SSC January 12th, 2017 at 10:10 am

    My epiphany came when my wife and I were applying for a loan for our house, and he ran her credit and said, “Yeah, I can get you a good rate, you’ve got great credit! Now let me run your husband’s.” Then his face fell and he was like, “Umm, I wouldn’t recommend putting him on the loan, it’ll really change your interest rate.” When he turned the screen to show Mrs. SSC her shocked face said it all.

    Something had to change.

    I just didn’t realize how hard it would be to retrain myself to break my old spending habits. It’s been ten years now, and I’m way better and have an awesome credit score, but without her helping me along, I’d still be broke, overspent, living “the American Dream”. Instead, I’m a few years from FIRE.

    Reply

    • Derek Olsen January 12th, 2017 at 5:04 pm

      Wow. That must have hurt. But like so many others, it takes a bad experience to get your attention and that’s when most people turn things around.

      Thanks for sharing!

      Reply

  7. Kraken Fireball January 12th, 2017 at 10:54 am

    Mine was when I realized I didn’t want to work for my entire life and retire when I was 65 and couldn’t do anything. I’ve always dreamt of freedom from school and now work. I googled how to retire by 30 as a joke thinking that I wouldn’t find anything. Instead, I found a bunch of people talking about living frugally and that didn’t jive with me. I kept looking though and stumbled upon Mr. Money Mustache, the way he described his life made me see frugality differently. Within two months I sold my sports car and opened a Vanguard account. I don’t regret a second of it.

    Reply

    • Derek Olsen January 12th, 2017 at 11:20 am

      It still blows my mind how when you put the early retirement stuff into play it can actually work. It doesn’t seem doable at first, but then you do the math and put in the work, it’s totally doable. Still thought, it feels like magic even though it’s far from it.

      It’s funny how you Googled it as a joke and then found out that it’s not a joke at all. I think that says a lot about how most people are conditioned to think a certain way about money and retirement and never stop to think about it and question it.

      How’s that Vanguard account doing? ;)

      Reply

  8. Jen January 12th, 2017 at 11:08 am

    My hubby and my epiphany came about 3 years ago during the most desperate of times (imagine that). We were about a year into our marriage and thought we had it all. What we did have was the verge of a financial disaster with the huge house (3 bed, 2 bath, 2 living rooms), 2 car payments, about $10k in student loans (only on the hubby, I rolled through engineering school on scholarships). We figured we were fine as we didn’t have credit card debt… Which is hilarious to me now.

    The week of hell, as we call it now, started with discovering that we owed the government $5,000 in taxes because we didn’t understand how W-4’s work (We both claimed 2)… Our hot water heating system broke spewing water in our basement and not heating half our house and the waterline feeding our house from the curb also broke. Leaving us in just one week with $12,000 in bills and I think we had about $500 between the two of us.

    We got through it and were eventually able to get everything paid back. But this was the start of the eye opening conclusion that we needed to make some changes. That summer we sold 3/4 of our possessions, paid off my hubby’s student loans, sold the house, sold one of the cars, my hubby quit his job (I transferred with mine) and moved into a super small 2 bedroom apartment in the mountains. We figured out that we were living for the money instead of living a life we enjoyed. Its amazing to me how still how one week of misfortune changed our entire life.

    Reply

    • Derek Olsen January 12th, 2017 at 5:05 pm

      “That summer we sold 3/4 of our possessions, paid off my hubby’s student loans, sold the house, sold one of the cars, my hubby quit his job (I transferred with mine) and moved into a super small 2 bedroom apartment in the mountains.”

      Most people wouldn’t do half of these things in order to turn things around. Congrats on making real changes!! Thanks for sharing. This was a great read.

      Reply

  9. Dani January 12th, 2017 at 11:40 am

    Ours was when we sat down with a debt coach (!) and they had us put all of our information into a spreadsheet. We had all the numbers, more or less, so none of that was really a surprise, but the slap in the face was when we realized how much we were paying in interest every year. Including 3 mortgages, vehicles and credit cards, it was over $32,000 per year. We did not have success with the debt coach (interestingly, they went out of business), but we found Dave Ramsey shortly after that, and began working the baby steps. We’ve been debt-free except for the first mortgage on our main residence for almost 2 years now, and we really like having options now! If we wanted FIRE, even at this stage in our lives, we could sell the house and downsize a ton; or we can stay in the house we love, with the neighbors we love, and use our home for the ministry that we originally envisioned, and still “retire” at a normal time–or any other combination in there!
    Honestly, though, the best thing we ever did was to begin talking about our finances, having regular money meetings, and make sure that we are both on the same page with our spending and saving. We don’t always have formal sit-down meetings, but it’s still effective for us! We just discussed at bedtime last night what hubby should put into the 401k if he gets a new job. Communication and being on the same page is absolutely key.

    Reply

    • Derek Olsen January 12th, 2017 at 5:10 pm

      I think a lot of people just look at the debt total and totally miss how much they are paying in interest. It’s the interest that kills!!

      Having regular money meetings is a fantastic idea. I’ve heard it said that “what gets attention, gets fixed.” It doesn’t even take that much time, you just have to talk about and plan your money at least once a month and you are good to go. (for most people)

      Reply

  10. Ty January 12th, 2017 at 1:17 pm

    So interesting to see what flips the switch for everybody. More evidence that personal finance is indeed personal.

    Reply

    • Derek Olsen January 12th, 2017 at 5:13 pm

      Exactly! That’s why we decided to turn all these quotes into an article. It was too interesting to not collect them all and share.

      Reply

  11. Samantha January 12th, 2017 at 1:55 pm

    My money epiphany came after we bought a house and moved in together, and subsequently replaced all the windows with a 12 months same as cash loan. We totally forgot about the loan and hadn’t made a payment when the law changed, and all of a sudden we got a statement with a gigantic warning that basically said “If you don’t pay the entire $7k in the next two months, we are going to add $1k interest to your balance.” And I had a mini-freakout. I read Dave Ramsey’s Total Money Makeover, and then I found his local course to take in order to get my hubby on board.

    Fast forward many years – it worked! And I’ve since ‘graduated’ from Dave’s basics on to Mr. MMM and the early retirement community. We are debt free including the mortgage, and we are able to max out the IRAs, 401k, and HSAs every year – working on FIRE and I’m 33 yrs old.

    Reply

    • Derek Olsen January 12th, 2017 at 5:12 pm

      Forgive me if I laughed a little about you forgetting about the loan! :)
      (Not in a mean way of course!)

      I’ve never heard of that before, forgetting about a loan, but I can totally see how something like that could happen.

      Anyway, congrats on the progress and thanks for sharing.

      Reply

      • Kat January 16th, 2017 at 9:27 am

        I used to work in a call center for a couple store credit cards. Several of the store also used to offer no payments for a year – and this would happen ALL the time.
        So many people would call in after the one year period and yell at me for the accumulated interest. Most of the cards offered 25%-30% interest so I can see why they were yelling.
        I did not last at that job very long!

        Reply

  12. jen January 12th, 2017 at 3:29 pm

    I never experienced one it makes for a boring story but I’ve been interested in saving money since I was a child. My dad always talked about money so I’m not sure if that was why but my 3 siblings aren’t like me lol. By the time I married at 19 I had $7k to my name with a minimum wage job. I had college covered with several scholarships. Now at 28 I’m a college graduate that stays at home with 2 kids. My husbands enlisted in the military and we have a net worth of almost $190,000 not including our cars with 0 debt. We save every month..

    Reply

  13. Tucker January 12th, 2017 at 4:12 pm

    FYI, the GetQuickQuickish link is b0red (7 on the end of HTML).

    Reply

    • Tucker January 12th, 2017 at 4:13 pm

      barked. Hah, oh the irony.

      Reply

      • Jen January 12th, 2017 at 6:03 pm

        haha I was so lost until I read your last comment! and I noticed that too but forgot about it when I started reading his blog lol

        Reply

  14. Tucker January 12th, 2017 at 4:14 pm

    *throws hands in air*

    I give up on today, seriously.

    BROKEN. You get it.

    Reply

    • Derek Olsen January 12th, 2017 at 4:22 pm

      lol!!! Thanks, just fixed it.

      Reply

      • Tucker January 12th, 2017 at 8:31 pm

        LOL, I will just show myself out.

        *hangs head*

        Reply

        • Ty January 12th, 2017 at 8:39 pm

          I for one appreciate your efforts on this matter! :)

          Reply

  15. Allen January 12th, 2017 at 5:17 pm

    My money epiphany was about 25 years ago after getting my first academic position in a small university as an experimental psychologist and realizing that I likely would never earn much of salary. I simply realized I needed to do what I could with what I earned. I self-educated myself reading several books about personal investing and regularly subscribed to Money magazine and Kiplinger’s and later on the internet. Today I’m in my mid-fifties, have never had a salary approaching 6 figures but my net worth is just over $500K. I could theoretically retire now but think I can more comfortably retire in early sixties when my retirement portfolio alone should top a cool million. P.S. Those first 15 years seemed to creep by, but with patience, your nest egg will grow providing you stay the course and of course stick principally to low-cost funds. Also, routinely contribute more each year if you can. Currently I’m socking 38% of my salary into retirement. In 4 years when I pay off my mortgage I can max out my retirement contributions and retire mortgage free. It can be done, even on a moderate salary!

    Reply

    • Derek Olsen January 12th, 2017 at 6:41 pm

      Excellent points and very encouraging.

      Thanks for taking the time to share.

      Reply

    • Allen January 13th, 2017 at 1:42 pm

      P.S. Keep your eye on opportunities to refinance mortgages. About 4 years ago was able to refinance to a 10 year fixed at 2.75% interest rate. Great peace of mind and obviously great savings of interest payments.

      Reply

  16. Lake Girl January 12th, 2017 at 7:18 pm

    I thought I was good at saving money but knew I could do better. I read an article about cancelling cable and once I did that… Game on. I got real serious, real quick and have never looked back. When you start looking at what you save a month, every month the numbers become impressive.

    Reply

    • Derek Olsen January 13th, 2017 at 3:20 pm

      Small wins can be very motivating. Like a slippery slope but in a good way!

      And yes, when you take a look at what you can save every month (without much effort) it can be very surprising.

      Thanks for sharing!

      Reply

  17. Ashley January 12th, 2017 at 9:16 pm

    My money epiphany happened in high school. During math class one day, the teacher was explaining how amortization schedules worked. She used a mortgage payment as an example and showed that the total interest paid over the life of the loan was more than the purchase price of the house (interest rates were higher back then). I’ve always wanted to minimize interest payments after that, and my husband and I paid off our house in 6 years. My FIRE epiphany came after reading MMM’s article about the shockingly simple math behind early retirement, and now we have new goal to work towards. I like math! :)

    Reply

  18. Financialbloke January 12th, 2017 at 9:34 pm

    I’ve always been a saver. Growing up my sister always wondered how I bought my PlayStation games (Yes, PlayStation, one word) It was because I always saved and then bought what I wanted. As my career took off it just became saving. I didn’t want to go spend it on a new car as I knew that was pointless. I ended up slowly researching vessels for my money. At this time I started investing in stocks, index funds, and mutual funds(yes,yes,with the high fees…). But I knew that was a means to an end. Real estate was my end game and that’s what I focus on now. I’m currently torn with maxing out my 401k with my bonus check or safe it for real estate, oooohhhh new post topic ;).

    Reply

  19. lyn January 13th, 2017 at 3:58 am

    Mine came when I realized I couldn’t go college like the others did. (scholarships and public uni are for the privileged citizen here, depending on the genetic you carry when you are born). So I stop spending and start figuring ways to earn.

    On the bright side, I did go thru uni in chemical engineering. I just got to live with 0.40cents/day during that time but I came out debt free.

    Reply

    • Derek Olsen January 13th, 2017 at 3:23 pm

      Wow. Living on $.40/day?

      I’m guessing you aren’t in the USA? What country are you in?

      Reply

  20. Anna January 13th, 2017 at 10:02 am

    After I graduated from college, my dad sat me down with a calculator and explained to me the magic of compound interest. I got the message that if I started the habits of saving and investing, I would have a quite a lot of money in retirement. When my husband and I married 7 years later, we had $40,000 in graduate school debt, but high earning abilities. Now, almost 23 years later, we have a net worth of $3.2 million. We haven’t been super frugal (I hate to waste money, but love to travel and we live in a very nice house) and I even semi-retired at the age of 39 to stay home with our children. We did it by always saving and always investing and always paying attention to our financial decisions. My husband is semi-retired now too and as soon as our youngest goes off to college in three and a half years, were going to start our aggressive travel schedule.

    Reply

  21. Xyz from OurFinancialPath January 14th, 2017 at 11:16 am

    Mine was when I was able to save enough money for our downpayment in one single year! After that, I just kept saving as much but now allocated it for retirement.

    Reply

    • derek January 16th, 2017 at 7:38 pm

      Wow, that’s pretty good.

      I think having a specific goal (more than just an amount of money) can really open your eyes to what’s possible and doable.

      Reply

  22. Arun January 16th, 2017 at 10:34 pm

    Mine was when I paid a huge down payment for a real estate deal which drained my savings and then the Sellers raised the price. I had to take a big fat loan to meet the difference. I was discussing this situation with a friend who suggested to back out from the deal. I did so and received the refund from Sellers. Couple of weeks later, all hell broke loose when my country (India) demonetized the currency and real estate crashed to all time lows!!!. I felt lucky to survive the financial disaster. Now I am addicted to Rockstar Finance and not a day goes by without reading a PF Blog.

    Reply

    • J. Money February 8th, 2017 at 6:04 am

      Oh wowww that’s crazy timing!

      So glad you’re enjoying our site here!! Thanks for letting us know! :)

      Reply

  23. DD February 3rd, 2017 at 11:28 am

    Getting “promoted” into a job I couldn’t stand and realizing I was stuck financially. I found myself too stressed and exhausted to job hunt, and too broke to quit. That led to fixing my house up to sell, paying off debt, getting to a 50% savings rate. Much more agile and free now, and that job I hated is in the past.

    Reply

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