Money Apple Introduction

Here we go. Approaching the big 4-0h in 2014 with three children ages 10, 11, and 12, and married to Mr. Money Apple since 1997. My first bit of relationship advice: find a person who is financially like-minded when in comes to money. I knew within the first month of dating that DH was a hard worker with no debt. As our relationship matured, we began bivouacking cash together – even before marriage. DH had been contributing the max to his 401k and me, my 403b.

We collectively believed that saving for retirement begins in year one. That philosophy has maintained throughout our seventeen year marriage. Time and again, I’ve heard others lament the fact they can’t even contribute the minimum up to the employer match. An argument I find to be so utterly ridiculous that it’s nothing short of a bold faced LIE. These individuals are most definitely lying to me (inconsequential) but more importantly lying to themselves (highly consequential).

If you’ve read this far into my blog, you may be wondering what my objective is. Well, I love reading financial blogs – especially those that focus on financial independence, or for lack of a better term: early retirement. I prefer the term financial independence…it’s a much more appropriate and accurate representation of what I’m all about.

I’ve found while perusing these financial blogs that the “best” ones are written by men, single men without children, older men. Blah. How about a middle-aged mother with three “tween-age” daughters who’s constantly battling heavy consumerism pressures and attitudes?

To be clear, if were only about me, things would be far easier – and thus less fulfilling – because choosing NOT to have children would never have been part of the success equation. Extra money, financial security, pursuit of new learning, travel and early retirement mean nothing to me without a family.

Saving and frugality are second nature. They have been woven so tightly into the fabric of who I am that they are of almost no consequence whatsoever…to ME.

Don’t get me wrong, many acquaintances and neighbors over the years have tried to talk down to me because of what I don’t purchase, I’ve rarely let it affect my psyche and have never allowed it to pressure me into spending money frivolously.

However, my children attend a public school in a typical middle class suburb, and therefore succumb to daily pressures and comments from their peer groups. Their young minds aren’t as sophisticated as my own. It takes time and good parenting to make your children independent thinkers and consumers who can shake off the disdain others project onto them because of “things” they don’t own. THIS is the challenge, THIS is one major point of my blog. However, I’m a teacher by nature, and I know there are other individuals out there who want to succeed at financial independence. I’m here to help those readers as well. My target demographic is the working or stay at home mother type; however, anyone with a will to succeed will hopefully find my posts both inspiring and informative.

I’m going to write about things such as housing, investing, saving, frugality, and parenting, plus whatever else ties into the motif of financial independence.  I hope you enjoy my posts. I welcome reader feedback and hope I can learn from you as well. Thanks for visiting my Money Apple page!