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Penny and Rich
General Finance
Debt, Family, Frugality, Minimalism
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Net worth:
Minneapolis, Minnesota, United States
Life stage:
SIK (Single Income, Kids)
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Latest Blog Posts

Dear Penny, I thought it’d be interesting to compare our actual moving expenses with our estimated moving expenses. And I believe this will lead into a rant about modern living, early retirement, and education. We’ll see. Let’s take a peak out the window of our new situation. Before we moved, I estimated $30,000 in expenses. … Continue reading "Rich Examines Moving Expenses, Minimalism vs. Serial Killers, His Cat’s Shopping Habits, ...
Posted: Sep 15 2017 @ 10:07 PM
Dear Penny, First of all, you’re having another baby — congrats! We do have a lot to catch up on, obviously! But I will never catch you in terms of babies. We got the buy-one-get-one-free deal with twins and that’s plenty for us. I have some stories to tell you about flying across the country with … Continue reading "Monthly Money Check: Rich Increased Net Worth By $200K in 2 Years ...
Posted: Sep 08 2017 @ 7:58 PM
Dear Rich, Looks like this summer has been keeping both of us pretty busy, huh? Neither of us has written very much. You, because you’re busy vacationing and getting settled back in the states. Me, because life is just busy, man, and I’ve been avoiding technology. But, now that September is here, I’m back to … Continue reading "Monthly Money Check: Penny Punched By Back To School Expenses — August ...
Posted: Sep 05 2017 @ 1:27 PM
Dear Rich, Well, between me being on my technology-free(ish) summer and you being on vacation, we’re not getting much blog writing done. But we’re both happy, so that’s a good thing! Speaking of which, I was wondering about our happiness ratings. Seems to me that you’re always rating things high, even though certain areas might … Continue reading "Monthly Happiness Report: Penny Is Generally Happy. Is That Boring? — August ...
Posted: Aug 23 2017 @ 6:52 PM
Dear Penny, We just got back to the US a few days ago and it was a loooonngg journey, but I’m not crabby. Happiness levels steady. Elevated, even. And here’s why. We are currently in the Outer Banks (OBX) of North Carolina, one of our favorite places on the East Coast. We rented a house … Continue reading "Monthly Happiness Report: Rich Is Not Crabby, He’s Back In The USA ...
Posted: Aug 16 2017 @ 8:32 PM
Dear Penny, I have a lot I’d like to write but very little time, because tomorrow we head back to the US after living overseas for 2 years! More complicated topics will need to wait. But, I wanted to share some quick money and happiness lessons I’ve learned from our time here. In no particular … Continue reading "MOVING DAY! Quick Thoughts About Living Overseas And Money And Happiness." The post ...
Posted: Aug 10 2017 @ 4:24 PM
Dear Penny, This post will be full of detailed numbers (money porn) and cool graphics (eye candy) — because it’s summer, and summer is fun and bright and cheery. July was a sunny month for you and for us as well. Clear skies, no turbulence. As you can see, my net worth jumped by a … Continue reading "Monthly Money Check: A Sunny Summer Update Of Rich’s Net Worth, Full ...
Posted: Aug 05 2017 @ 6:15 AM
Dear Rich, Hey, guess what? I wasn’t even thinking about it, but when I totaled up my numbers for this month, I FINALLY made it under the $2,000 bar that I had set (kind of lukewarmly) set for ourselves. I guess that’s what happens when no major expenses come up. It won’t be that way … Continue reading "Monthly Money Check: Penny Had Her Lowest Monthly Spending Of The Year! ...
Posted: Aug 02 2017 @ 6:00 AM
Dear Rich (and our readers), As you know, I had a guest post on the Making Sense of Cents blog and it was met with quite a few mean-spirited comments. Now I know how it feels to be publicly shamed, I guess. I can’t say I wasn’t anticipating a bit of pushback from the article, … Continue reading "Penny On Fame And Shame — A Response To Critics Of Her ...
Posted: Jul 30 2017 @ 6:00 AM
Dear Penny (and Mr. Othalafehu and Mr. Retirement Manifesto), After my Retirement Plan post, Mr. O, specifically, asked about my LLC holdings. Happy to oblige. Here’s the story of how a $30,000 investment in farmland turned into more than $200,000. There are bunch of graphics and some stories from my neck of the woods. Note: … Continue reading "How Rich’s LLC Turned $30,000 into $200,000 — A Story About Brothers, ...
Posted: Jul 26 2017 @ 3:52 PM


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