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Penny and Rich
General Finance
Debt, Family, Frugality, Minimalism
Start Year:

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Net worth:
Minneapolis, Minnesota, United States
Life stage:
SIK (Single Income, Kids)
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Latest Blog Posts

  Dear Rich, I am still SO. TIRED. But, I’m going to give this writing thing a shot. I like what you had to say about your life and work. Good post. I couldn’t help but to think how it really exemplifies the differences between you and me. The whole “city mouse / country mouse” … Continue reading "Penny: Here’s all the things that have been bothering me about the ...
Posted: Nov 18 2017 @ 7:10 AM
Hey Penny, Sorry to hear about your lack of sleep. I can’t imagine being pregnant, for obvious reasons. If that ever happened … now that would be a blog! Pregnant Mansplaining. I get close to 8 hours nightly but the difficult part is that my boys wake up at 530 and go immediately to playing … Continue reading "Monthly Money Check: Rich Horsed Around in October 2017" The post Monthly Money ...
Posted: Nov 12 2017 @ 7:10 AM
Dear Rich, I apologize for not writing more. I have lots of thoughts in response to your last post, but I haven’t gotten around to writing them out yet. I’m not sleeping very well. Probably because of pregnancy. I go to sleep around 9:00 pm every night and wake up for the day at 3:00 … Continue reading "Monthly Money Check: Penny Has Normal Spending, Abnormal Sleeping in October 2017" The ...
Posted: Nov 10 2017 @ 11:01 AM
Hey Penny, I was going to write an eloquent post about the nature of work, it’s philosophical basis, the various ways of looking at it, and so on, followed by a blurb about my own current work situation. But alas, my own current work situation leaves me with little time to organize an eloquent post. … Continue reading "Rich On Work: Responsibility And Meaning, Human Capacity, Kindergarten Soccer, and Bathroom ...
Posted: Oct 30 2017 @ 7:00 AM
Hey Penny, Very interesting that you make 20 student loan payments per month now. Crazy, almost. I’m curious what you’ll notice, what impact that will have. I hope it cuts a year or two off! As for me, September was quite the spendy month. I’ve mentioned how expensive our move has been, and September is … Continue reading "Monthly Money Check: Rich Decides How To Handle Large Expenses … Will ...
Posted: Oct 07 2017 @ 7:00 AM
Dear Rich, I’ll get to all your wonderful and interesting and thought-provoking questions in my next post, but for now I need to do my Monthly Money Report. We came very close to getting under my arbitrary $2,000 goal, despite the fact that I thought we had some kind of hefty expenses (more school supplies … Continue reading "Monthly Money Check: Penny Is Making 20 Student Loan Payments Per Month! ...
Posted: Oct 05 2017 @ 9:12 AM
Hey Penny, I appreciate your last post — it gave me a bunch of food for thought. This is exactly the sort of conversation we used to have over email, so I’m happy to reply on the blog. For those just catching up, here are the first 2 installments of this conversation: Rich Examines Moving … Continue reading "Rich Ruminates On The Benefits Of Being Uncomfortable. Can Imperfect Systems Help ...
Posted: Sep 30 2017 @ 9:00 PM
Dear Rich, I’m going to write a bit about my educational philosophy, but first I wanted to address a couple of things from your last post. Rich Examines Moving Expenses, Minimalism vs. Serial Killers, His Cat’s Shopping Habits, Modern Living, and The FIRE Desire You talked a bit about how you can kind of understand … Continue reading "Penny Explains Her Philosophy On Education. Why Do Little Kids Spend 5 ...
Posted: Sep 23 2017 @ 7:56 AM
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


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