About Money Stir
My name is Chris Roane. I’m so glad you are here! My goal is to share my financial journey, what I’ve learned, and my dreams. I want to be honest about my mistakes, and writing down my thoughts helps me stay on track.
There are a lot of awesome financial blogs out there. What makes Money Stir different?
- 35 Years Old
- Married to Andrea for almost 14 years.
- I have two daughters, ages 7 and 10.
- I’m a web developer specializing in Drupal development.
- Andrea runs a salon as a cosmetologist. I help manage the business.
- We live in Montana in the U.S.A.
- We are in the 4th year of a 30-year mortgage.
I’m not going to retire early.
Given that we are hoping to be credit card debt free by early 2019, without much savings before that, retiring in our 30’s or 40’s is not an option for us. The best case scenario is retiring in our 50’s, but we may decide to “work” longer than that.
Reading other blogs, you may look at this and go “But Chris if you wanted to retire early, you still could!”. See the next point. 😄
I don’t want to retire and live off of $40k per year.
I respect people who can retire in their 30’s/40’s and live off of $40k/year. But that would not give us the financial flexibility we want. Even without a mortgage, we probably would want to live off of double that amount. Consequently, our nest egg has to be larger, or we have to work in a way that provides flexibility. Our hope during retirement is to travel and enjoy certain luxuries. We also want to have the option in loosening up our budget.
For us financial freedom is a matter of limiting financial waste and spending money on things that matter most to us.
I love my 9-5 job.
My motivation is not to quit my job as soon as possible. I enjoy what I do and my co-workers. Andrea loves working as a cosmetologist.
I want to get to a spot where the amount of money we have saved gives us options. Our goal is to pursue financial independence. It is about figuring out what we want out of life and living the best we can.
I was never a good saver.
My mid 20’s and early 30’s, I was continually getting into credit card debt and trying to pay it off. I have not saved much towards retirement. I’ve done very well in my career, but my spending habits held us back. We had to figure out how to budget and manage our finances on our own.
I got sick of the “paying off credit card debt” treadmill. I was tired of continually feeling behind. After doing that for over a decade, and realizing how miserable that made us, we are ready for a change.
I don’t look at retiring as me quitting my job and sitting at home for 12 hours/day watching Netflix. For me, retirement means having full flexibility in what I can do with my time. What I decide to do at that point is probably going to evolve.
What I do know is that in any case, I will be keeping my mind busy doing something. I want it to be enjoyable and flexible.
So in summary, what is Money Stir about?
- How to save and make more money.
- Reduce spending on the things that do not give us true value.
- How to get rid of debt and stay credit card debt free.
- Think about how to prepare for retirement and how to manage our investments.
- Anything related to managing our personal finances, which might include marriage, raising children, budgeting, and general money management.
It would be great to earn income from Money Stir, but that is not the priority right now. Even above marketing this website, my focus is to learn and put my thoughts in writing. Each of us has our own experiences and circumstances, and I want to share my perspective on how to reach financial freedom. All our voices matter, and I want to hear from the community.
I don’t claim to be an expert on money. I’ve made a lot of mistakes and will continue to make mistakes. But I don’t want my lousy past decisions to dictate my future. I don’t want to survive and make due. I want to thrive.
As I write more, I want to continue to be more transparent over time. But I won’t be sharing exactly how much we are making, mainly in respect to my employer.
Thanks again for visiting. I look forward to hearing from you! Feel free to contact me if you want to touch base.