Archive | Family

Liberated

My Employer Just Liberated Me From My Job! Now What?

In the intro to a recently published blog post, I mentioned that there’s been some turbulence at my nine-to-five workplace. Funding was tight, but it looked as though I’d survive any downsizing. Well, things got worse. My project was hit hard, and the surrounding projects were hit even harder. I found out two weeks ago […]

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treadmill

Step Off The Damn Treadmill

The financial firm UBS publishes a quarterly report called Investor Watch that analyzes investor behavior. One of these reports has remained on my mind since publication in 2015. The report is called When is enough… enough – Why the wealthy can’t get off the treadmill. The premise is that more than half (52%) of millionaires surveyed […]

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Definition of Bad News

The Definition Of Bad News

Eight days ago, I received a devastating phone call about the health of a loved one. When you receive a call like that, your heart sinks. Then it thumps while you attempt to listen to the details. This wasn’t completely out of the blue since some issues have lingered for the past few weeks. But […]

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Mother1

How To Live On One Income – 10 Things We Did To Make It Work

We sometimes see friends on Facebook asking about local daycare facilities or looking for a nanny to watch their kids while they work. It must be stressful to find high-quality affordable daycare. We’ve never had to deal with child care because we started thinking about how to live on one income before we were engaged, […]

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Higher Salary Vs. Better Benefits

13 years with one company is a long time in today’s employment market. My tenure has never been about loyalty or career advancement, and it certainly won’t earn me a gold watch. The company pays me a salary above the market rate for the job I do. That’s why I’ve stayed. The benefits have always lagged […]

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How Our Family Of 5 Is Flying Cross-Country For Free (And How You Can Too)

Mrs. RBD’s brother proposed to his long-time girlfriend early last year. Shortly after the jubilant celebration, my one-track mind started thinking How much is this wedding going to cost me? The answer: A lot. However, by taking advantage of travel rewards credit cards to receive sign up bonuses, we acquired enough points to fly cross-country […]

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Eliminate Car Payments From Your Life (And Never Go Back)

If you want to get serious about taking control of your financial life so you can build wealth, it’s time to eliminate car payments. Car payments are a persistent nag on the lives of many U.S. consumers. But they don’t have to be, and shouldn’t be even with super-low interest rates. Because they crush your monthly […]

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Productivity Paradox

The Productivity Paradox Of Parenthood

We have three kids under age five. People cringe when I say that. Faced with the huge responsibility of raising children, you’d think that parents would be completely unproductive outside of parenting. Instead, many Moms and Dads consider themselves more productive after having a few kids. It’s kind of a productivity paradox for parenting. When I meet […]

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The 25 10 Cent Child Labor Experiment

Note: Increasing pay to $.25 so he has a bigger stash when he actually gets to spend it. Thanks to reader Scott for the suggestion. Our four-year-old son loves to help. Whether he’s fetching a fresh diaper for his little sister, making coffee with the Keurig,or mixing ingredients in a baking bowl, he has this […]

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Winding wall

How Our Family Is Saving For College

Saving for college is no easy task. If parents decide to pay for their kids’ undergrad education, it’s potentially a 22-year commitment from birth until graduation. Yet, saving for college is often a minor component of an overall financial plan. Not in our family. For our three kids to each attend four years of in-state […]

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Retire Before Dad Story Camel

The Retire Before Dad Story

At age 27, I was broke, unemployed, and living at home with my parents. Not surprisingly, I was single too. Sounds depressing, right? Not so. I had recently returned from an epic 14-month backpacking trip to Asia and Latin America, spending just $10,000 on the entire journey, then completed a three-month, 8,000-mile road trip throughout the U.S and […]

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College costs skyrocket

Area Family’s College Costs Skyrocket 50% In A Single Day

WASHINGTON, DC. – One area family’s future college costs rose dramatically last week, skyrocketing by a whopping 50% in a single day. Sources say that the arrival of a beautiful baby girl was the catalyst. A neighbor, who asked to remain anonymous, told this publication, “When I saw the RBD family pull into their driveway […]

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Beach Fishing 3

How To Return From Vacation And Not Be Depressed

I’m on vacation with my family this week. I’ve put aside electronic devices and social media in favor of fishing rods, sandcastle tools, and amusement park rides with the kids. We’re going to relax, eat a ton of sugar, and create memories watching our kids frolic in the sand, water and sun. Preparing for our […]

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