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How We First Became Financially Educated

Posted on January 16, 2021

For me, it’s a real pleasure to trace the origin of something big back to a tiny detail. Sometimes all it takes is one little idea to guide you down the rabbit hole and gift you a major lightbulb moment.

For me, it all started with a garden. And a blog (not mine).

It wasn’t Young House Love just yet. Though that inevitably did come later.

An acquaintance of mine shared a blog post of her own to her Facebook page back in 2011. Newly married, my husband and I were trying to build our life [and get our shit] together.

This friend’s blog was all about gardening. She lived in an adorable little house and shared about such wonderful botanical additions to her home. I loved it and then sank at the thought of asking my landlord if I could tear up his backyard.

Then I wondered….. “Would we be able to buy our own little place?” Our townhome was nice, but we’d just come off of paying way more for a wedding than our broke asses could afford. It just hadn’t really come up yet.

So I pulled up some listings in our area. Just to note, we don’t live in a big city, but our area has a higher cost of living because the median income is weirdly high.

At the time, we had virtually no savings and lived out of our checking account. It probably had $1,000 at any given time. My estimate would be a net worth of right around $0 (I still had a small car loan). I found a home that more closely resembled a rinky-dink shack and realized we wouldn’t even have the $6,000 down payment for that. To be honest, I can’t even remember if that was even a full 20% down calculation.

Literally one step up from this. Some window treatments should do the trick.

That day, I found Suze Orman after a Google search about how to buy a home.

I had obviously heard of her before, but had never watched her show. One thing led to another, and, before you knew it, I was personal finance obsessed (I am an exhilarating creature, to be sure).

The “Can I Afford It?” and “How Am I Doing?” segments, in particular, were my favorite. I watched as many episodes as possible until I felt like I could answer a lot of the questions myself.

This went on for weeks, during which time I made our first little budget, including allotments for savings.

At 25, I was saving with real purpose for the first time in my life, and I loved it!

In 2014, almost exactly 3 years later, we bought our first home. We weren’t exactly looking when we found it, and we didn’t have the full 20% down payment I would have preferred, but we did have about $20,000 saved by that point. We felt good about the purchase.

And I have my garden. <3

-K

  • financial education
  • financial freedom
  • financial goals
  • financial independence
  • financial independence retire early
  • financial planning
  • FIRE
  • home buying
  • personal finance
  • wealth

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2021 Starting Stats

  • FIRE Number: $1,800,000
  • Total Net Worth: $333,809
  • Total Liquid Investments: $157,802
  • FIRE Target Date: 2031

Current Stats

Date: January 2025

Total Net Worth: $631,000

Total Liquid Investments: $387,600

Disclaimer

All information provided on this site is for informational and entertainment purposes only. Fueling FIRE Personal Finance makes no representations as to the accuracy, completeness, suitability, or validity of any information on this site and will not be liable for any errors or omissions in this information or any damages arising from its display or use. I am not a trained or certified financial advisor or accountant, nor do I claim to be one.

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