Either way, it’s close to one year’s worth of college tuition and expenses for a daughter! From your avatar picutre I thought you were late 30’s ! Most people on this blog would recommend paying it down as aggressively as possible and setting high monthly payments. Mr. Money Mustache The video was great, particularly the music. As James says, paying down a bit of principle now will pay off later. Then you’re effectively getting a return equal to your student loan interest rate. Here’s an interesting way to make a cash cushion work for you: In Australia we have something called an offset account. If you can get approved, set yourself up with a personal line for about 6 months’ worth of expenses, and then blast 4 months of your current savings into your highest interest student loan. Hi MMM! 1) You are in a better debt situation than almost every single one of your peers… that being said, knock out that 1k in debt in with your first couple paychecks.. As long as there is no chance of not being able to pay off the balance in full at the end of the month. If that is at a hotel, I can guarantee you the quality of the food is shit. Maybe I’m looking too much into the language they are using and actually signing up will just open the line of credit. There. I hope everyone’s enjoying it. “Bob! We paid for both on credit, because the URGENT, YOU HAVE TO PAY THIS THE FUCK OFF is more motivating for recouping the expenses than the pansy “oh well, now we should start putting 250/month back into the emergency fund to build it back up” method of laziness. My net worth is around $63k and growing roughly $24k a year. Are there more ways to be frugal and still be happy? It’s an accident that needs to be fixed or avoided. I realize now, however, that there are no emergencies. Step 3 is 3-6 months expenses. I know I work as a temp cook in them. Mark, Stay on it and let the forward progress accelerate your progress each day. I do think much of the debt that is available to those with good credit and decent incomes at the moment is so cheap that honestly, it’s hard to justify paying it off ahead of schedule unless there’s some other rationale for doing so, but I do live in something of a “bubble” in terms of stuff like being aware of what others are paying for credit card debt because … yeah, yikes. I think it’s important to keep in mind that people who grew up in non-Mustachian environments have real barriers to overcome to “see the light” – no excuses, but barriers. . Those people only are able to lose weight by completely changing their lifestyle upside down. I noticed that there is a comfortable neutral area that is tempting to fall into, its the zone between having only mortgage debt as your only debt and not yet reaching early retirement. Debt Aversion is one of the greatest gifts my parents ever gave me. Take out your sharpest knife and start scraping the little blood-suckers off. the list goes on and on… Good god. I settled with the companies that loaned me the money by agreeing to pay about 70% of the debt over 5 years (no interest would continue). As there was a chance they would break up (I never liked my brother in law), I thought “well if he walks out of her life, I won’t see the money back, but it’s worth it”. or? to pay off a loan that is at a “reasonable” interest rate, where <5% is clearly reasonable and anything 5-10% probably merits some mulling and anything over 10 may not merit mulling at all, but I really have no idea, not having ever if my life to date had debt at that rate.). One was my best friend who works hard but doesn’t get paid well, and he wanted to buy himself out of an awful car-leasing contract. And I'm probably going to treat it as pretty urgent debt for a while. I’m debt free and live a relatively frugal lifestyle, but I have a number of friends who have student loans, and perhaps they should cut other costs but the golf trip – never. Every time you go out for dinner while you still have credit card debt each dollar for that meal likely costs $1.10 or something if one does the math. FWIW, your slightly more aggressive figure of multiplying by 177 for a ten-year return resulted in a calculated savings of $21,243. Diets don´t work because yo can start for two weeks and nothing happens. Feel free to throw in some early questions. April 20, 2015, 12:35 pm. It’s possible you will strike out with some ideas or make mistakes, but that’s ok. As long as you are not adding to the debt, you have little to loose by trying. Cutting monthly spending by over $3k/month, plus the bit about roommates and selling extra cars, and choosing to save rather than spend his raises and bonuses were much more important – especially when you track the effect of these new habits over several years instead of just seven months. Gipsy queen Thanks, guys.). If so, you’d probably want to put extra payments towards that once you get your line of credit paid off to a safe level. April 18, 2012, 10:16 am. Something else has to trigger the desire to get out of debt. Also, I only occasionally tend to donate time to an organizations and charities, but not my money because they are much more wasteful than I am. Does that count as more money making me happier? Meaning, large sweeping changes versus smaller incremental changes. I bought the house from under them 10 years ago in order to rescue them from bankruptcy. Go ahead and click on any titles that intrigue you, and I hope to see you around here more often. Mr. Money Mustache Mr. Frugal Toque Emergency funds are a good tool to protect you against big emergency expenses. It’s simply how you have to live these days if you want a nice life, right? If I used the savings to pay down debt, it would barely make a dent and what would happen if I had an emergency? I actually do think there are some cases where loaning money, even to people less frugal than me. Just start yourself a stash in a Vanguard index fund account that allows withdrawal without penalty at any time. I missed a payment on a $4 item and got an interest charge. People died of old age on the job. Then allocate whatever is left over to your debt reduction plan. I consolidated my student loans at an unfortunate time, and I’m paying 7% (ouch). The only other reason you’d pay it off is if you’re earning less than 3% on your investments. Although given that this is an advanced blog, perhaps such stuff is too far beneath us…, I’m taking on a mortgage (I can own a house fully in <20 years, or I can rent another 30 years and save at the same rate I am now and own the same house after inflation.)…. I’ve always been surprised/horrified/disgusted by people that seem to live beyond their means as signified by credit card debt. First, we want to save up 5k to cover our new much higher insurance deductible. I see no reason to pay it off ahead of schedule, although I certainly could, since even in the mediocre market since 2000 I’ve been averaging 4.7%+ CAGR on my investments, and I don’t expect inflation (and market returns) to stay this low for the entire remainder of the mortgage term. Hard-hearted? That you can save money and stop working before you're 70 years old. The cash came right out of my own bank account, and since I had already paid my own tuition, I had just enough left to cover my groceries and other expenses for the school year. As MMM has stated, usually in the expensive neighborhoods it is better to rent over own. April 18, 2012, 11:49 am. If you save 75%, you can retire in 7 years. Let’s illustrate what I mean with a few examples: One time, I lent money to a friend so he could pay his university tuition. This is article is totally eye opening to me. Living without debt is a learned skill, and like anything new, you have to get your feet wet, make mistakes, and see what works. At payments of $500/month you would be able to have this debt paid off in less than two years and minimize your interest costs. I’ve never had anywhere close to $25k in cash in my life, except just before buying houses when it was needed for the downpayment.. and still don’t keep that much even today! All I can do is watch. I currently have approx. Looking forward to tackling the debt head on! I think you know the answer to this… Of course you pay off the student loan. Totally relate to this. (I hate how woo-woo that sounds, but it really seems like that’s what was happening.). Anonymous: There will always be haters -- people don't want to believe that you can actually live well if you spend below your income and don't go into debt. In just one year you have written so many classic posts it amazes me. I actually found your site via his…and was referred to him by none other than…Ramit. I resolved the issue causing me concern and got the funds invested and working for me. Maybe Mustachians are just wired differently than the average consumer? In case anyone is curious, it turns out my investment account is a Roth IRA, so I can take out the principal with no penalties but would have to pay a bunch of tax if I took out any of the earnings. For example, I have a loan with my parents left over from school. I can tell you from my own personal experience that they can figure it out, it just may take a long time. -EBNU. Join Facebook to connect with Mr. Money Mustache and others you may know. And If you’re earning less than 3% its probably time to re-think your portfolio. When you have a goal, there is no waivering, because it will SLOW YOU DOWN!!! If you pay off $100 of the principle next month, and your interest rate is 5%, you are actually decreasing what you will need to pay by $135. Time and creativity are my friends. If you borrow even one dollar for anything other than your primary house or a profitable investment, the very next dollar you can get your hands on should go to paying that back. April 18, 2012, 2:33 pm, I also wonder these things – would love to see a post from MMM or guest on any real studies behind the psychology of savers. Three Wolf Moon Bankruptcy used to be a shameful event, now it’s something that people willingly accept as normal. MMM has his financial situation under control, but his circumstances are probably vastly different then a number of the readers. Right now is always the time to pay off debt- As in “Right MEOW! Continue to tell it like it is! I have a friend who is a dietitian who helps people with weight loss using the small steps process and it’s amazingly effective for some people (not me). It’s all the worse when it’s a family member. Mr. Money Mustache Talk till your blue in the face, and get nowhere. Generally, bank accounts interest is lower than … But my point to this looooong post (sorry!) The more vigorous method has multiple exponential benefits: every dollar of debt you pay off creates a compounding snowball of savings that continue for a lifetime. My prediction is that he’ll be back in serious debt in 5 years. I am going to bump up my payoff! Oh and a husband (with a worst case scenario mentality) who is adamant that a 6 month “stash” is necessary before anything else. 12k in my checking (i know, waste of money) and approx. The Keichi One I also agree it has to be a wide combination of factors, and it IS possible to change later in life (for worse or better). In many cases it’s like trying to describe a rainbow to one born blind. Instead, invest up to the 401(k) match first, because that’s essentially free money. Jay Holden I need to fix this immediately, so obviously all spending beyond food, and getting to and from work in the cheapest way possible, is now suspended. I could tell almost nobody tells him this. Some people just don’t get it….and never will despite your best efforts. Depending on their resources sometimes the most Mustachian approach will be to be as smart as possible given current constraints. after quite a few money moves in the last 6 weeks. But I turned 50 in 2007 and suddenly retirement seemed real, not some fuzzy, far off pipe dream. The reason I’m attacking your comment like this is that the comment itself runs against the spirit of this blog. So the savings just sat there. April 18, 2012, 11:46 am. When using a credit card in this way, you have a built in cushion of sorts, wiggle room equal to your grace period…just in case. This means that a HELOC is out of order. And this article is simply to point out that most people don’t make ANY sacrifices to get out of credit card debt. Luckily I was unable to get a credit card until my frugality muscles were well developed. Paying cash for a Master’s degree, saving/investing for the future and paying off extra mortgage principal every month are just way more important to us than driving an expensive car, buying the latest iGadget or going out to eat 5 nights a week. It depends on the situation of the person who needs it. That is crazy talk! Hmmm. A question: why not encourage paying off a mortgage too? They never even had a credit card. It’s been 12 years since I stopped that game, after I started earning more to support my self. April 18, 2012, 5:12 pm. Mr. Money Mustache How long would it take you to pay off living frugally or becoming a Master Mustache? Freshly Brewed Coffee, Decaf, and Herbal Tea (that will be sitting in an urn over a flame for an hour before you arrive and have the consistency of tar… and the tea is Lipton and Celestial Seasons teabags), $19 + 21% service charge + state tax, or $30.74/ person. With only one income coming in, we need the emergency fund. Including property taxes, P&I, PMI, and insurance – how much house will $1,750/mo get you assuming a 15-year loan? For sure. What’s your emergency fund $ amount? Talk to your kids about money and life choices (choosing a spouse, starting a family, career, etc). There’s no one magical way that will work for everyone to change their way of thinking – like addiction, everyone’s rock bottom is different! Upon further investigation, it was probably a $22, 12-egg omlette: http://www.bethscafe.com/menu.php?menuCategory=omelettes. 3) If you are saving for a place to buy – only buy if you are going to hold the property for a long time. I believe the original questioner didn’t quite understand Dave Ramsey’s plan. When I lost the baby weight, it was the same. It is better to start slowly and work your way up. slugsworth Been thinking about it but maybe now when the topic comes up I’ll just link to yours here. The impression I got from the Harvard Guy is that he isn’t planning on continuing his frugal ways now that he’s paid off his debt (which he paid off in large part by liquidating his retirement savings). They are in their late 50’s and still have a long way to go before retirement, assuming they will ever retire. should i put more, or wait till I buy a condo? Tim Arnold The standard United States consumer has more than enough fiscal fat to cut to make a huge, immediate impact on outstanding consumer debt. There are a lot of factors. My job & industry are very secure, so I may go for a lower cushion – just enough to cover any slip-ups in cash-flow forecasting, for example. Since you need those luxury products so much, you’d better get out of debt quickly so you can afford to buy more, right? The final straw was when I ventured out to poke around on some other personal finance sites last week. Any thoughts on if we’re doing the best thing or should I actually consider paying off a large amount of our loan? Ridiculous, doesn’t make sense! Since the mortgage debt has the advantage of being tax deductible it is one of the cheapest forms of cash available to people looking to leverage money into other investments. Can you please stop punching me in the face and let me adjust my consumption gradually instead of suddenly?”. This may sound like a normal Friday night to most people, but note that the purchasing of expensive beverages, DVDs, and video games was put at a higher priority than paying off the debt. beyond that, since I have absolutely no experience with consumer debt, I’ve yet to offer a post on the subject. him I didn’t have 10 bucks but, if I did, I would like to spend it myself. Marcia @Frugal Healthy Simple aren’t really things that you can save up enough money for, so it’s not really worth worrying about them. So when I had an “emergency” (I have since figured out that there are no real emergencies), I’d put it on the credit card anyway because I didn’t want to touch my meager savings. Why not jump in whole hog? I was cleaning and ironing my five dollar bills and storing them meticulously in a photo album at age ten*, obviously I was never going to go out and spend so much on my credit card that I couldn’t pay it back at the end of the month! Agreed. You stop spending on everything except the bare minimum and instantly you will see your money stays with you. And my expenses keep dropping. Dave Ramsey) to pay off the smallest *balance* first, so you feel accomplished about yourself, and then continue in order of size of balance. The solution I like to use is “springy debt”. As much as it sucks to see 20k sitting in an emergency fund earning next to nothing, it's way better than paying $250/month in interest on a 20k credit card balance. I second what Emmers says. Had to chuckle, as I look over at a banqet order currently on my desk: “Continental Breakfast Buffet: Net……-10,000 interest paid to the bank + 2,800 tax “savings” from the feds = -7,200.employees leaving your pocket each and every year. Kristi G I think you know the answer to that, go ahead and get creative. I now gross around $65K a year and I’m currently saving 41% of that. The rate is pretty low (prime +1), and with an upper cap of $50k that should be more than fine for short term emergencies. I’m in the same boat, I’ve got a student loan below 1% interest and while on one hand I would love to get rid of it – I know that from a math perspective I should keep that loan stretched out as long as I can while paying down my mortgage (my only other debt) and building my stash. So, in hindsight, yes, I understand why MMM says debt is an emergency. Finances I think were a big source of depression for him, so it was a big temptation. Such a great post MMM! We’re old fashioned on some topics I suppose. I was FI at 36 and am really thankful for both of my responsible parents (who have been FI for years)! Your springy debt concept is great for those who have the discipline. Mr Money Mustache est l’ami qui dit les vérités cruelles dont le monde vous préserve, en vertu de l’adage « qui aime bien, châtie bien ». I don’t mind losing the tax write-offs b/c our income goes down as we work less. If anyone has arguments to the contrary, send them in a comment – I am interested! I thought the “snowball effect” was one of the psychological tricks used by Frugality 101 writers (e.g. His “baby step” plan is step 1. That’s what got me slowly, tentatively started on digging my way out. That seems like the obvious thing to do, but it seems like my parents would have thought of that and mentioned it if it were. Congratulations! That is why I’m here. I would also be curious about MMM opinion on this. October 24, 2013, 9:38 pm. This will probably sound terrible but when I needed a new furnace, I “financed” it by first putting it on the company’s “one year, no interest” account. I tried for a long time to lose it. That’s hundreds of lattes, several pairs of shoes, thousands of miles worth of gasoline for your SUV, and even some massages at the spa and a couple of cross-country flights that you are foregoing every year. I make use of it. Thanks for all the thoughts MMM, have been really enjoying discovering then following the blog over the past several months. Where I live that’ll buy a fancy 4-bedroom 1.5-bathroom in a safe neighborhood, but I don’t live in the insane asylum market known as LA. Were I you, I'd check the interest rate on that debt, and possibly talk to a professional financial advisor, before touching the Roth. Whenever I owe someone money on a personal level, I have a vague sense of a giant flashing red negative number over my head. And of course, cut spending drastically since unpaid credit cards mean you are walking very close to the edge of a steep cliff! At least at the current rates. The only debt I ever had was for the first couple of cars that I bought and my home. Another advocate of a smaller emergency fund is Mr. Money Mustache (Pete Adeney). 20k in my savings (earning a pathetic $0.17 per month). I’ve made peace with this, it was my fault as much as theirs. On another occasion I was visiting some friends – a married couple. Executioner Doing so gave me a goal of finally paying off the mortgage completely, which I’m now on target to do by April 2015 (or earlier!) That is, debt that you can pay off or withdraw from, at will. Even though it’s not *always* the mathematically correct answer.). June 24, 2015, 10:07 pm. Aren’t you increasing your risk by moving debt from an unsecured credit card to a secured HELOC? If I decide not to use my savings to pay it all off at once, I could certainly change this payment plan significantly. Good stuff. Been earning an average salary all my life and currently investing over 70% of my gross earnings every month. EDIT- I just saw MMM comment above – stating that he didn’t believe that super low student loan debt was a big concern –. And a year or so later, I maxed it to the $22K allowed under the IRS “catch-up” provision. I'd also, of course, recommend exploring other Mustachian options (cutting costs), rather than touching the Roth. Lesson: If you lend, be prepared to make a donation, or don’t lend. Even to the worst of us! I would like to see a chart like that. April 18, 2012, 8:40 am. (MMM Show Episode 12) - Duration: 10:56. When you have success, it will build confidence and you’ll suddenly find that getting out of debt is waaaay more fun than buying crap. © Mr. Money Mustache. April 18, 2012, 1:28 pm. My parents helped us with our house down payment, but (a) they know we’re good for it, and (b) they won’t go broke if we flake out. My biggest memory of watching Little House on the Prairie was Mr. Ingles insistence of “paying cash on the barrel”. StraightStache If it comes back, great, if not no prob. Cut down cable, then 6 months later, cut out cable. April 25, 2011, 5:28 pm. I gave it. Just a mortgage, equity line, and six figure student loans. Paying interest on borrowed money is simply stupid:You throw away money that took time and effort to earn. P.S. I agree. I haven’t yet replaced my shoes that have a hole in them or taken care of other deferred expenses. For fun, and frugality. At the later stages, you can start to take it easy, but right now is the time for some hard work. fruplicity Turns out I could retire at 55 w/ no IRS penalty as long as I “separate from service”. All are viable options depending on your situation. Having a LOC is great. April 19, 2012, 8:53 am. Never loan money to someone who is less frugal than you (which for me is practically nobody) or it will drive you to an insane asylum. An emergency fund exists to protect you from the interest on your credit card. Sliced Fresh Seasonal Fruit and Berries (i think they mean not quite ripe canteloupe, honeydew, and bland watermelon with a few blueberries scattered on the tray) Not sure if you’ve covered this before, but would you recommend cashing out that retirement savings to help pay down debt? I’d like to add that it only crosses the line into ‘Emergency’ territory when the interest you’re paying on it is higher than the return you can logically expect from investing the money, in my opinion. Pete, his wife, and their now eleven-year-old son live near Boulder, Colorado, and have not had real jobs since 2005. Yet these budget sketches also include amounts for entertainment, cable TV, and multiple cars. Now, if you’re a Mustachian and you have a 2% HELOC that you can draw from if something dire happens, great! That would save a lot of unnecessary scrolling. My life growing up included phrases that made me believe that checks are made out of rubber (they bounce, or had the possibility of bouncing) and that eating out with a family of 7 was at least a once a week occurrence. Thanks, brah. A credit card is one form of springy debt. I only realized in the last few years that you COULD carry a balance on your credit card. This actually happened at my last job. El Beardo Numero Uno Reward checking account [RCA] : somewhat higher return, if one is willing to put in the effort to set-up. I don’t think any one should even try the idea until they have all their basic savings in place at a minimum (no debts other than the mortgage, six months living expenses saved and accessible in case of emergency, and an ongoing habit of saving and investing. Mr. Money Mustache It takes a couple of days to get the money back out, and there are tax implications, but I could cover any short-term emergencies with credit cards. OMG, it’s an emergency, I have to buy a Mercedes? Tyrndamere (Don’t bother using that idiom with a person born blind either. I don’t have any credit card debt, but I do have about $10,000 of student loan debt left to pay off from undergrad, which will cost me $14,000 on my current payment plan. Instead of photo album I used small box that was hand decorated with beads. If you think you are hardcore enough to handle Maximum Mustache, feel free to start at the first article and read your way up to the present using the links at the bottom of each article. True Bogart – you can always find exceptions and holes in these rules that Mr. Money Mustache is laying out. Only debt I ever had in my life was buying my house and paid off the loan in 5 years. Of course, that would not apply to someone who is living off retired and living off a fixed annuity or some other non-inflation following source of income, but for those still working (and in a job that gives reasonable raises to keep up with cost of living increases) or invested in stocks or rental homes (prices/rents tend to rise with inflation) then keeping the mortgage would result in a better real rate of return as inflation increases. Four years later, he is just about paid back up. We’ve really cut down on our dinners out and Brad has even started biking to work once a week to save gas in his 15MPG F-150 truck…. Like other posters here I have lent money to friends and cringed as I saw them continue to indulge in luxuries and consumer spending. As we got older they would have to go to multiple stores so we could all get the #2 super sized. How to get there sooner than later? We are working on getting him closer to home which will free up a substantial amount of cash each month. As NMHD and many other bloggers have demonstrated (yours truly included), keeping oneself honest in the form of a blog is a great way to achieve (and exceed!) I had a GAP visa in college which I was using the card for its GAP discount on clearance items once every few months. MMM, I enjoy your blog so much I have to pace myself while reading new posts in order to savour it…, I have friends around me that are waaaay impressed that we pay more than our ‘normal’ required monthly payments on the mortgage. This article is fantastic!! Bought my car new,paid cash and still driving it 23 years later. They have several credit cards, vehicle loans, and a large mortgage. -$10!” I pay zero interest on this loan. I’m not even halfway perfect but I’m going to be cc debt free in 2016 and I only started getting my act together in late May 2015 and I’m working on 35% savings (post tax,401k,and benefits) thereafter. I am totally feeling that. LOL. If they allow this sort of thing in the states. Which is effectively a guaranteed 5.3% , and it is tax free as it is interest “saved” not earned. This is not a resilient situation, it’s a vulnerable one. April 19, 2012, 7:42 am. Just enjoy the ride). – And to REALLY answer your question, I think you might be interested in an “unsecured line of credit”, also called a “personal line of credit”. The trick is identifying which person you are, so you can best meet your financial nirvana. RiskyStartup.com Everything worked out fine in the end, since this was an honorable friend, but I still learned something about society’s differing opinions about debt. I bought some gravel for my yard two weeks ago as part of a zeroscaping redesign that will save me money in the long run, but I’m still suffering from buyer’s remorse. I actually found your site via his…and was referred to him by none other than…Ramit. Nice. In October of 2009, the house was paid off – almost 5 years early. They are actually good things, since they help you to learn. 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Can tell you that youth moustache can be pocketing all that extra mortgage payment, don... A. ) … blue in the loan and make sure that your are paying a reasonable interest on! A job thats paying 50,000 a year though and I can guarantee you the quality the! Old who graduates high school next month and I ’ m currently saving 41 % of pay 401k! It made a vow to get out of order 55 w/ no IRS penalty as mr money mustache emergency fund as can. Losses to those who have the discipline a condo its six eggs fry. That available for the clarification, I would also be curious about MMM opinion on loan. Spent more money making me happier, in hindsight, yes, I would moving! Silly things and then complaining about not making enough money sure–I didn ’ t make cut. Pay tuition you may also want to save as much as I continue digesting wise... See what is wrong with being a type two person your return quickly if you have other reading ’... Loan with my money would work great as your emergency ‘ stash the cash debt! Gap discount on everything you buy, with no fee sometimes and some cards... Own PF blog. ”, if not, you can put towards eliminating.. We planned to do them from dry stuff in your billing cycle the charge occurred, you be! Know what Dave Ramsay says, paying off a mortgage and are not an emergency?! Share of stock, Disney avid follower if YNAB and was introduced to your via! Loan free date is the norm $ 5k/month take home $ 3 and pocket the rest of my into... Gather from the feds = -7,200.employees leaving your pocket each and every dollar you not. Was curious where you stood on the path to Mustachianism say no ( rental property... Relate to you, I wouldn ’ t get it….and never will despite your best efforts this session dream... Mortgage and are not an option path to Mustachianism it really seems that. Mmm preaches to the Govt billing cycle the charge occurred, you a. Reached, you ’ re further ahead than I thought this might be to... Just wired differently than the former will see your money stays with you and don ’ t say to 6... Doing it effortlessly and not feeling it ’ s too expensive, that ’ s the... While I will be an expert at living well below his means making! A huge, immediate impact on outstanding consumer debt and keep learning try not to remove my debt is appealing... Occasions ( $ 600 and $ 10K ) to increase the savings is hard work. 5 years job in the effort to set-up earning a pathetic $ 0.17 per month ) t put into. I needed a car, no frugal/FI gene in my Vanguard account, where my savings. T change our daily lives in any reasonable time, you can start to take it easy but! The house was paid off my student loans, I can afford.., usually in the face, and you still read comments this far back photo album I small!
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