16 Good (and Dangerous!) Modifications Since My "Retirement"

Gooooood morning!

And welcome again to week two of the brand new Budgets Are Horny!! 

It’s been a visit dusting off the ol’ keyboard and catching up once more, and so glad so a lot of you're nonetheless right here 🙂 When you haven’t had an opportunity to re-introduce your self but, please accomplish that!

I believed I’d share yet another recap of adjustments over the previous couple of years right here to get totally caught up, after which later this week we’ll get again to “regular” weblog posts once more since that’s a whole lot of speaking about myself 🙂

It truly is superb although HOW MUCH can change in only a quick period of time! Particularly recently with the world falling aside throughout us! My final posts earlier than leaving have been proper because the pandemic was going into full pressure – EEK!

However whereas we are able to’t management every part that occurs, we DO have extra energy in our lives than we give ourselves credit score for. And no matter what’s occurring round us we are able to all the time discover some nuggets of pleasure to understand.

Right here’s an inventory of a few of my very personal, adopted by some I’d quite see flushed down the bathroom, lol…

Let me know if something surprises you!


pup and i

#1. We received a brand new canine! Or quite, my spouse did. And he or she was sneaky about it…  She went out “simply trying” on her birthday two years in the past, after which ended up bringing house the valuable little factor “only for a day or two” to check out fostering…

However as a lot of you foster dad and mom know, we “fail” at fostering extra occasions than we succeed!! Lol… So she’s been with us now for a little bit over two years and makes everybody in the home comfortable (besides probably me – since I’m the one who has to feed her and stroll her on a regular basis! MUCH extra enjoyable having a canine as a child when you possibly can reap the cuddle rewards with none of the accountability ;))

whiskey samples

#2. I’m a whisky drinker now!! I by no means actually paid a lot consideration to it, however then somebody gave me a bottle of Wild Turkey honey whiskey and by golly if I couldn’t put it down. I finally began questioning what different varieties there have been on the market (Wild Turkey will get awfully candy at occasions), after which did a binge pattern tasting for a complete month to verify I received the lay of the land, haha…

Seems a few of the extra fashionable stuff I didn’t significantly take pleasure in (Bulleit, Crown Royal), however others stunned me like Southern Consolation, Hennessy, and Redneck Riviera?! I attempted the entire gamut from $.99 bottles to $8 bottles and all totally different styles of whiskey/scotch/cognac and truthfully the worth didn’t often mirror the style, a minimum of to me.

However I did get spoiled shortly thereafter when my brothers began bringing me their $80-$150 whiskies to pattern and boy did that make a distinction, haha… My favorites of the group was the the Glenlivet 12 after which Laphroaig 10 single malt scotch that tastes like a campfire in my mouth. 😂 So I often sip on that weekend nights (they gave me a bottle for my bday!), however then follow the cheaper – simply as superb – stuff throughout the week like Jack Daniels or the extra uppity Woodford Reserve…

Although I'm removed from being a whiskey snob, a minimum of but haha… Any whiskey is best than no whiskey in the event you ask me!

cream of wheat

#3. I’m now a Cream of Wheat fiend!! Did NOT see this one coming! However with my mouth sores exploding throughout earlier this 12 months I used to be exhausting pressed to seek out *something* I might devour that wouldn’t ache me, and Cream of Wheat got here to the rescue (thanks guys, you on the lookout for a sponsor???! Haha…). I now eat it each single morning – with honey, yum!! – and there’s some type of consolation feeling hooked up to it which I simply love.

I additionally began the behavior of consuming reduce up apples with peanut butter each single afternoon (MmmMMmmMMmm), together with vanilla yogurt and granola within the evenings, and infrequently adopted by some tasty rice pudding – one other factor that saved me alive throughout my sickness.


rummy hand
[About to lay the smack down on my 7 y/o!!]

#4. I’m a card participant, once more! Significantly Rummy! I noticed a mother and her children enjoying it earlier this 12 months on the espresso store, and thought it was the CUTEST – most healthful – factor ever, so later that evening I requested if my boys needed to play and naturally they have been ecstatic 🙂 In all probability one of many funnest hours I can keep in mind enjoying collectively, and so they’ve turn into tremendous good since too… A lot in order that I now don’t need to “pretend play” anymore and may truly benefit from the problem!

It’s additionally sparked some enjoyable enjoying of different card video games as properly, similar to Warfare, 9-Gap Golf (a brand new one to me that even my 4 y/o can play!), and Solitaire. The perfect half? NO SCREEN TIME!

home blogging office

#5. I lastly added a house Running a blog Workplace! Apparently we didn’t do any house enhancements over the pandemic, however ultimately I believed it was time to have my very own running a blog nook as a substitute of working off the kitchen desk as I've these previous 3 years…

So I snagged my previous Xmas Desk from the visitor room that nobody was utilizing, discovered my previous speaker system and wall artwork motivators in storage, and now we’re all arrange and rollin’!! Actually makes a distinction too, psychologically – like I've the house to create and focus that’s all MINE… I swear I can sort sooner in my little nook too! 😂

dog boarding

#6. I now skateboard 2-3x every week! Which I do know I’ve already talked about 100 occasions, however couldn’t depart it off of the record because it’s been such a HUGE a part of my life this previous 12 months and a half… Each bodily and mentally – and socially!!  I’ve in all probability expanded my good friend community by a stable 20-30 folks which I’d by no means have achieved in any other case, and it’s been such a thrill…

And whereas I’m nonetheless caught on lots of the fundamentals of skate tips (can’t get near a kickflip AT ALL, however I can rock ollie and shove-it and extra not too long ago board slide (!!!)), it’s been a blast, and I’m getting significantly good at dropping in and skating down all sizes of *ramps* too – which is a pleasant break from “avenue” skating. Each new factor I land I really feel like I’ve completed one thing!! Despite the fact that nobody will ever comprehend it! Haha..

pink vans

#7. I’m obsessive about VANS!!!! 100% as a result of skating, after all, however actually had no thought how enjoyable and cozy they have been! I now have a half-dozen pairs of every kind of types and colours, one to match virtually all my outfits 😉

The truth is, it’s additionally been educating me one thing I by no means knew although it makes whole sense: When you put on a *totally different* pair of sneakers every single day, they put on out much less and keep extra “new”!!! So as a substitute of all the time carrying the identical one like I used to after which getting grungy quick, it looks like I’m carrying a brand new pair virtually each single day as a result of I hold swapping them out! It’s stunning!!

And one thing I’m utterly allowing for minimalism-wise too, as a result of a) they make me comfortable! and b) I’m *utilizing* each pair. And since I’m discovering many at classic outlets “gently used”, they’ve been rattling low-cost too. (Additionally – Outlet shops!! There’s one on the seashore we go to yearly (Rehoboth, Delaware) and are all like 50-60% off – It’s superb!!)

sk8-hi aloha yoda vans - star wars

[Latest pair my brother just found me for $8.99:
Sk8-Hi “Aloha Yoda” – Star Wars edition (retails for $150+!!)]

Satirically although, I can’t skate in VANS in any respect – regardless that they’re actually made for skating, haha… I don’t know if it’s the souls or the way in which they match or what, however they simply don’t work for me so I solely rock them round city after which swap to different sneakers for skating… like Globe or Nike.

[NSFW song – “Fresh VANS” – D-Loc from Kottonmouth Kings (shout out to my Twitter friend I can’t recall the name of right now that sends me this link every time he sees me in VANS, lol… love it.]

#8. I’ve gotten into writing poems (!) – Not your typical ones about nature or philosophy, however extra gritty, “uncooked” ones the place you naked your soul of all secrets and techniques you’ve saved inside that you simply wouldn’t dare put out into tho the world however you do it anyhow only for the fun of it!! Haha…

And WOW do issues come up that you simply’ve suppressed for a lot of a years! I’m solely in month #6 or 7 and needed to take a break once I was sick, however once I’m there and pouring it out it’s superb the belongings you discover out about your self…

For instance, I seen that a lot of my poems are about desirous to be “good” on a regular basis however sometimes saying “screw it” and purposefully doing the other, regardless that it’s towards my nature. After which there’s the turning level in my life the place I noticed you possibly can principally do or put on no matter you need in life and it actually doesn’t matter as a result of there aren't any “guidelines” – solely perceived requirements! Deep stuff!! 🙂

Perhaps at some point if I’m courageous sufficient I’ll compile all of them and launch them in small e-book format or one thing, however we’ll see… I've about 15 or 16 which can be accomplished, after which possibly one other half dozen that also want some work – starting from attention-grabbing episodes in my youth to school charades to a lot about intercourse (!!) after which a little bit about love scattered in there too (however principally round intercourse for some purpose?!)

Once more – stuff you often hold to your self!! 😂

pf swagger

#9. Launched a brand new web site round monetary merch! PF Swagger — “The most well liked merch in finance” lol… I created it whereas ready for All-Star cash to launch to higher promote the superior $$$ shirts and hats and hoodies in our neighborhood, however then after a number of months it kinda simply stagnated and now solely will get up to date once in a while…

Though with the newest lineup of Budgets Are Horny shirts I’ll need to get again to it cuz now I've my OWN merch I can promote – woo! WIN for constructing retailers that goes round to assist your self together with everyone else! 🙂

You'll be able to try the positioning right here 👉👉 PFSwagger.com


And in additional monetary information…

#10. We paid off our home! And I’m nonetheless ready for the mortgage firm to throw me a celebration, which I don’t suppose is coming?? 😂

We went forwards and backwards on this for some time earlier than pulling the set off, however ultimately the necessity to diversify extra received us to lastly do it (90% of our investments are in index funds), after which after all we knew slashing our recurring month-to-month bills would really feel fairly good too.

The grasping a part of me needed to only hold shoveling it into the market as a result of I’m fairly certain we’d be up one other $50k-100k or so, however sooner or later you must be OK with “successful at cash” and never needing to maximise each final greenback, proper? Although it actually didn’t cease a few of my $$$ associates for poking enjoyable at me because the run up in markets soared for the following 12 months and a half!! Apparently although they’ve been awfully fairly these previous few months 😉

#11. We (lastly) received a Will and Belief arrange – one thing that’s been tempting to remove my Blogger Card for the previous decade!! And never gonna lie, it was a bitch to do and time consuming and boring, however it did pressure us to consider larger issues like what occurs to our youngsters if each of us die on the similar time, or how we wish our $$$ divided up in a while and do we wish the children to be a sure age after they inherit it, and so on, and so on..

In all probability took 3-4 months from begin to end (with a kind of months me simply not doing a factor as a result of I didn’t need to take care of it!), however as soon as we received going it was superb and we’ve even since amended it which was 1,000x simpler (and cheaper) to do, so now it’s only a upkeep factor that you simply test in yearly or so and see if something must be up to date.

I can’t recall precisely, however I wanna say it ran us round $3,000 after which possibly a few extra hundred for some further paperwork like energy of legal professional and medical kinds/and so on. Which additionally have been useful to contemplate since there’s extra to dying than only a will!

(Oh, and we selected to do a Belief too so it’s simpler – and sooner/much less trouble – when coping with issues later for the children, and in addition stays out of the general public eye. Although it meant extra further steps like re-deeding our home into the Belief and organising extra financial institution accounts for it, and so on… Once more, one time pains for long run good points! And 100% proud and pleased with ourselves we lastly did it, and naturally solely want we did it sooner.)

cemetery plot
[Circa 2099]

#12. Talking of demise, I additionally purchased a household cemetery plot!! HAH!!! Satirically on the *similar day* I discovered I used to be in a position to get the primary Covid Vaxx shot too after they first got here out and didn’t know if it was an indication or not 😂. So received my shot AND ultimate burial place all wrapped up in a single fell swoop – BOOM.

What made the plot further particular although was that it was in a cemetery that’s a favourite place of mine to go to and SUPER exhausting to get into (everybody’s dying too! Nyuck nyuck nyuck…) so the actual fact it even grew to become an *choice* was unimaginable information.

It price us round $2,500 for the lot, and I plan on turning it right into a “household” one the place any certainly one of my siblings or dad and mom or children will be buried there in the event that they select so we’re multi function spot. It will imply having to share a tombstone and be cremated to suit (it’s solely 3×9 I imagine), however hey – much less choices to need to make later and it’s already paid for!

I’ll have to go away it in my dying needs to inform everybody on the weblog the place I’m buried so you possibly can come pay your respects and pour out some espresso/whiskey in your homey 😉

jordan card collection

#13. I lastly bought my basketball card assortment! Keep in mind that from an previous weblog put up the place I questioned if it was nonetheless value something? 🙂 Nicely it's/was! Not as a lot as they as soon as have been, however def. Greater than “the cardboard they’re printed on” that you simply hear on a regular basis… A minimum of in case your assortment is considerably first rate.

In direction of the tip of my accumulating days (1995-1997) I made a decision it’s in all probability higher to concentrate on one or two good gamers vs a smattering of them, so I selected the GOAT on the time – Michael Jordan – and traded/bought away every part else to only financial institution as many Jordan playing cards as I might… Higher to have a targeted assortment than a random one, proper?

I finally ended up with round 200 playing cards I wanna say, together with some further gadgets like magazines and newspaper clippings and even Wheaties containers of Jordan to spherical it out, after which I had a dozen or two different rookies from different sports activities like Shaqs and Ken Griffey Jrs and even some much less beneficial older baseball playing cards from the Fifties I saved round for good measure.

old baseball basketball cards

You'll be able to see the photographs of all of them right here at OMG Cash in the event you’d like, which is one other monetary blogger who I realized hustles in sports activities playing cards and ultimately accepted my proposal of taking them off my arms and promoting for me!

Sports activities Playing cards Assortment How To Stock, Appraise, and Promote To Make Cash

The plan was for him – and me – to weblog concerning the course of since playing cards are much like liquidating cash that I do for folks, however life kinda received in the way in which and he ended up simply shopping for the lot from me so we might wrap it up after which saved a few of them and deliberate to promote the others…

We estimated them at round $500 retail, and he paid me a flat $350 which we each thought-about a win. And extra importantly, they have been now out of my basement and within the arms of others who might admire them!! Can’t ask for a greater ending than that!


Some issues that didn’t go so properly the previous couple of years…

#14. Covid. Ugh… We weathered the storm pretty properly all issues thought-about – nobody received significantly sick! –  however I rapidly realized that staying at house for lengthy intervals of time didn't do any favors to my psychological state as an extrovert. I lasted a powerful 12 months and a half staying away from outlets and crowds and low outlets (!!!), however ultimately got here again to them and now can’t even think about doing it another time?! Which I might if I needed to, after all, however what a distinction in temper and happiness now that we are able to enterprise out once more!

And what an excellent reminder of how resilient and adaptable we're as people too once we have to be. My children have been completely FANTASTIC all through it, barely even complaining or noticing after some time (I complained greater than they did!) and made it by an entire faculty 12 months after which some nearly and nonetheless did comparatively okay… They have been a lot happier going again IN faculty once more and seeing their associates, however nonetheless – couldn’t have requested for a greater scenario trying again.

Oh, and our massive yard proved massively useful too! Regardless of my (nonetheless) probably not wanting our home, haha… (that’s for these of you who requested if I’ve come to take pleasure in house possession but – NOPE!! :))

#15. My illness… I received’t go too into this as I already mind dumped on you final week, however because it is part of my ongoing life now I do have to incorporate it and it def. falls into sucky territory… There’s completely NO CURE for it (Pemphigus Vulgaris) and also you actually simply need to dwell with it and do your greatest to take care of your complete life!

However I *did* lastly get on the schedule to start out actual remedies for it (a set of infusions referred to as Rituximab, a monoclonal antibody medicine that most cancers sufferers additionally use) in order that’s made me really feel extra at peace after ready a month or so for insurance coverage to approve it… It prices within the tens of hundreds of {dollars} too, so thank GOD for insurance coverage!! I’ll need to repeat this course of each 1-4 years for the remainder of my life 🙃

#16. Lastly, we misplaced some beloved members of the family and associates over the previous couple of years as I’m certain y’all did too… My stunning mother-in-law was a biggie who fought the great battle proper to the tip, after which not too long ago some great coin membership members ended up passing which sadly is turning into extra of the norm recently because it’s not a membership for the younger 🙁

At all times so bizarre speaking to somebody at some point about cash or one thing regular, after which actually the following day they’re gone as if it have been all a mirage… Actually reminds you the way fragile life is regardless of how a lot we don’t need to settle for it!! We’re solely promised right now so get these Bucket Lists and “I really like you’s” flowing when you can!!


typing fast gif

And I believe that’s sufficient for at some point, haha… did NOT imply to place out such a novel right here for you – sorry about that! I informed you this desk will get my phrases flowing quick! 🙂

Later this week we’ll be again to the meat and potatoes of finance once more… I’ve been sketching out a whole lot of good ideas recently so I’m excited to share and get your opinions on them!

Within the meantime, have an excellent begin to your week over there, and be happy to share any main life/cash adjustments of your personal if you want! A enjoyable train to mirror on whether or not you share or hold to your self 🙂


j. money signature

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