Blogger Profile


Blog Info

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

Blogger Bio

Net worth:
Minneapolis, Minnesota, United States
Life stage:
SIK (Single Income, Kids)
Fave $ Books:
Oops! We don't have this blogger's faves, yet. If this is your blog, fill out our poll here!
Fave $ Apps:
Oops! We don't have this blogger's faves, yet. If this is your blog, fill out our poll here!

(Is this your profile page? Update your info here. To update your icon, go to gravatar.com.)

Latest Blog Posts

Cousin Penny, Time for a quick money check as I’ve started to deploy my windfall and I’m nearly 43! As you know, when we started this blog a couple years ago, my goal was to hit $1 Million in net worth at age 45 (anytime that year). So, let’s see how I’m doing. And then … Continue reading "Money Check: Rich Checks Progress and Ponders Wealth, September 2018" The post Money ...
Posted: Sep 16 2018 @ 11:50 AM
Hey Pen, So I got that cash windfall. I mentioned that I was probably going to use it to pay off 0% debt, and I think that’s still the case. However, I want to think a little more about why I got into debt, considering my big salary, and how to manage my “budget” going … Continue reading "Rich Decides What To Do With That Cash Windfall And Discusses Why ...
Posted: Jul 18 2018 @ 3:33 PM
Dear Penny, Half of 2018 is in the books, it’s time for a monthly — AND DARE I SAY BIANNUAL — money check. Yes, I’ll review the first 6 months of the year as well as June. I’ll also tell you how I’m about to receive a cash windfall. Hold the applause until the end, … Continue reading "Monthly Money Check: Rich On Track, Close To A Cash Windfall –June ...
Posted: Jul 08 2018 @ 10:31 AM
Heyo Penny — a quick stream of consciousness post coming your way. I haven’t written lately because it’s been a stretch where life has been moving along crisply and living life has superseded the necessity of writing about living life. That said, I’ll try to distill a few thoughts for your consideration right here and … Continue reading "How Rich Outsmarts The Happiness Curve And Avoids The Big Dip" The post ...
Posted: Jun 21 2018 @ 12:32 PM
Pen Station, Big update here because I’m waiting on my car to get serviced (oil change and goodness knows what else might pop up). It’s a good time to take stock, and I’ve nowhere to go anyway. I’ve been playing around with some graphics to get a visual picture of how my financial situation is … Continue reading "Rich Goes Crazy With The Graphs And Charts" The post Rich Goes Crazy ...
Posted: May 11 2018 @ 1:14 PM
Dear Rich, It’s been awhile since I’ve written. Let me bring you up to speed on our financials, and then I’ll share some thoughts on some other stuff. Here is what we are currently worth: ​ We’re making a little bit of a headway. Last year at this time, we were worth only $14,453. Most … Continue reading "Penny Reveals 2017 Spending; Proves She Is Alive And Well" The post Penny ...
Posted: May 06 2018 @ 2:40 PM
Hey Penny, I started my career almost exactly 16 years ago. I can probably retire in 14.5 years, at age 57. There’s a chance I could retire even earlier, around age 55. Why am I thinking about this right now? I’m seeing more and more people in my extended family either nearing retirement or retired … Continue reading "Rich Digs Into Future Retirement Income" The post Rich Digs Into Future Retirement ...
Posted: Apr 30 2018 @ 3:10 PM
Pen — at long last, I’ve fulfilled one of my goals for 2018: starting an HSA and, ergo, reducing taxable income.  Here’s what an HSA does and why it’s so great. This is not the textbook or legal description, it’s the Dad-blogging-while-kids-watch-tv-quick-version. HEALTH SAVINGS ACCOUNT A health savings account is a an account where you … Continue reading "Rich on HSAs and Socioeconomic Classes in Air Travel" The post Rich on ...
Posted: Apr 21 2018 @ 12:32 PM
Hey Penny, time for a money check. First up, my primary concern:  net worth. We are hugging the trend line, which is a-ok. As a reminder, the trend line is the pace we need to keep so that I can have a $1MM net worth at age 45. I’m looking forward to hitting $700K soon. … Continue reading "Rich Checks On His Money To Make Sure It’s Not Causing Trouble" The ...
Posted: Mar 13 2018 @ 10:33 PM
To whom it may concern:  I’m on record saying that I think we’re in the midst of another stock market bubble. My bubble claim was a while ago, and I’ve missed out on some gains. Moreover, I acknowledge that stocks could go much, much higher from here. They could also go much lower. I’m ok … Continue reading "Rich Examines Stock Market Mythology, Philosophy, Psychology, and Risk" The post Rich Examines ...
Posted: Feb 18 2018 @ 10:30 AM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

Leave a Comment

To leave a comment about this blog, fill out the following form.