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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

Heya Penny — how was your 2018? I’m going to blow through the review of my 2018 goals because there weren’t many surprises. Then, I’ll talk about the future, which might be surprising because it hasn’t happened yet. Think about it. THE PAST This time last year, I set the following goals (cf. my post … Continue reading "2018 Review and 2019 Goals" The post 2018 Review and 2019 Goals appeared ...
Posted: Jan 02 2019 @ 1:20 PM
Hey Penny, You may have noticed I redesigned the site. Got rid of some clutter. Felt good. The line spacing got a bit wonky but I’m not going to take the time to fix it right now. Today I’d like to talk about my investment goals. I’m doing some future planning, and need to talk … Continue reading "Rich’s Plan To Invest In Stocks And Build A $500K Opportunity Fund" The ...
Posted: Nov 21 2018 @ 12:31 PM
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


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