Permit me to Re-Introduce myself, My Title is J. Cash (OH! J-to-The-Moneyyy!)
Because it’s been a few years and now we have a bunch of previous and new pals right here on the weblog I haven’t had the pleasure to fulfill but (👋👋 👋) I believed we should always kick issues off by re-introducing ourselves and getting the celebration began 🙂
I’ll go first, after which I hope you’ll drop a remark down within the feedback beneath so we will get to know you extra too!
Let’s do it!
I’m J.Cash – actual title, after all – and I created this weblog in 2008 once I didn’t know a lot about $$$ besides I favored it and actually needed extra of it, haha… I used to be hungry and scrappy and able to dive proper into the world of finance, and my final aim was to have the ability to name myself a Millionaire someday simply because I believed it was cool (smh)…
I even created a membership round it that had 200+ members sturdy 🙂
A couple of years later I noticed I used to be a dummy and actually what I used to be after was the *freedom* cash provides you vs the cash itself (plus – millionaires don’t spend tens of millions, they put it aside! NOT AS INTERESTING!! lol…), so I acknowledged hustling and stashing and consuming the whole lot I may about cash, all of the whereas by chance changing into an entrepreneur and fully altering my life, pals, mindset, profession (turned a full-time blogger – who knew that was a factor?!), and naturally catapulting my funds within the course of.
Right here’s an prolonged take a look at the place we final left off on my web price reporting:
[I used to track and share my net worth every month here for everyone to see for 12+ years… It won’t be coming back at least for now, but I do plan on being just as transparent everywhere else!]
Quick monitor 14 years later, I’m now a (multi) millionaire, semi-FIRE’d, a daddy of three lovely boys, a web-based “influencer”, and mainly simply an general lover of life. Particularly in order I used to be only in the near past identified with a uncommon autoimmune illness that assaults my face and tried killing me earlier this 12 months!!!! Okay, effectively which may be a bit over dramatic, nevertheless it undoubtedly woke me up much more to the fragility of issues, and now I’m attempting to benefit from this 2nd Life as a lot as I can.
I’ll be running a blog extra about this over time to unfold consciousness, nevertheless it’s known as Pemphigus Vulgaris and is a blistering illness that impacts the mouth, nostril, throat, eyes, and even the genitals for some unlucky people. (Not me, but – *gasp!*)
And only a fast PSA earlier than we transfer on:
If you happen to ever get spontaneous blisters, lesions, cuts, sores or the rest funky in your mouth, remember to see a DERMATOLOGIST first!
I lived in hell for 3 months till a physician lastly beneficial seeing a Derm, and inside one month we not solely STOPPED the nasty factor from spreading, but in addition obtained an official prognosis AND therapy plan going as effectively. A real miracle!! I had no thought dermatologists go into your mouth (even my ENTs couldn’t assist me), and had we began there first it will have saved gobs of time and ache and frustration. I couldn’t even swallow my very own saliva for a superb week and needed to be hospitalized, so thank GOD we reside within the instances and expertise we do in terms of our well being – we’d be achieved in by a few of these issues only a few many years in the past!!
However that’s sufficient about that – you didn’t come right here for blisters 😂
Right here’s extra about my monetary life which I’m positive is of extra curiosity:
- I work on-line and make anyplace from $20,000-$200,000 a 12 months relying on the 12 months and trade and quantity of hustle I put in
- I home all our banking accounts at USAA, and all our investments at Vanguard
- We’re 100% debt-free, together with dwelling
- I make investments 90%+ of our cash in index funds (primarily VTSAX)
- I used to funds religiously, however as soon as I obtained my money circulation on lock I switched to monitoring Web Value solely which I discover nonetheless holds me accountable and is so much simpler/enjoyable to replace 😉
- I’m a giant fan of renting vs proudly owning, although I’m again to proudly owning once more
- I max out my IRAs each single 12 months. (Simply doing this *one factor* will ultimately provide you with double commas over time!!)
- I’m an extended practising (and sometimes failing) minimalist
- I've a love/hate relationship with Crypto (presently, hate)
- I gladly spend over $5/day on espresso – the true supply of all happiness!!
- I’m a sucker for yard gross sales and thrift outlets
- And I’m a believer all of us have the ability to make every day modifications in direction of a greater, more healthy, life-style – while not having to be FIRE’d but!! You can begin by doing small acts of happiness every day for your self!!
- Oh, and I’m additionally married and we share funds – with me being the one who manages all of it as my spouse hates cash 🙃
Right here’s a bit of extra about my private life:
- I’m 42 y/o
- A Capricorn
- Daddy of three little boys (9, 7, 4)
- Proudly reside within the nice commonwealth of Virginia
- Gather uncommon cash and books from my hometown (I’m obsessive about native historical past!!)
- Have created, offered, shut down, re-acquired dozens of on-line initiatives over time
- Have FAILED numerous instances too → Failure Resume
- Gained 12 trade awards together with Weblog of The Yr and Lifetime Achievement (hah!)
- Assist coach folks on cash, running a blog, fintech, in addition to valuing coin collections
- Love blaring hip-hop and extra just lately bluegrass/folks
- Love mustard on my mac n’ cheese!!
- Have gotten into writing brief – RAW – poems about stuff you normally solely hold in your head. And it’s frightfully exhilarating! (As long as nobody ever sees them!!)
- And final 12 months, at 41, I began skateboarding out of nowhere and it fully amped my happiness… Such a good way to problem your self and get a superb work out within the course of, all of the whereas immersing your self into an entire new tradition and pals and lifestyle! I don’t exaggerate once I say I really feel 20 years youthful once I hop on that board and all of the stresses of life soften away… Simply unbelievable. Although I'll say my pockets is not as impressed with my fixed overspending now on new Vans/skate gear, haha… However I gotta get my drip on!!!
[Hitting skate park on my 42nd bday!]
For extra on me/my cash/historical past of this weblog, try my “about” web page: budgetsaresexy.com/about
Why come again to the weblog all these years later?
It’s a humorous factor, this life… Fully at peace with a choice someday, after which a bit of seed vegetation itself in your head and the extra you water it the extra it grows into one thing much more lovely than you initially gave it credit score for.
I wasn’t planning on shopping for again the weblog, however one factor led to a different and the chance was too good to move up. Each by way of financials (I purchased it for a lot lower than I offered it for), but in addition for the prospect at one other go of being inventive once more and maximizing my skills and pleasure.
And in contrast to the primary time round, I’ve already capitalized on the whole lot I initially got down to do, so now I can simply chill and have enjoyable and really make this a facet venture with out all of the strain to succeed!
I simply gotta be certain that I don’t get SUCKED into all of it once more!! 🙂
Right here’s a listing of all the explanations I offered the weblog once I did, after which my ideas on the place we're with it as we speak:
Freedom – In 2019 freedom was one of the crucial essential issues to me so I may reset and discover new ventures, and I’d say for probably the most half it labored. I constructed out a few new initiatives (All-Star Cash, PF Swagger), schemed on a number of others that remained in my head, after which after a 12 months or so kinda obtained complacent and couldn’t discover something to work on that REALLY moved me. Which is often the issue I've as of late – a lot of further time however nothing worthy sufficient to spend it on! Till now!
Alternative – This was additionally a biggie – discovering the *proper* firm and *proper* folks and *proper* phrases to have the ability to hand over the weblog. And the chance that The Motley Idiot introduced with its tradition and imaginative and prescient aligned too completely to move up… I by no means absolutely trusted different organizations throughout talks, and I knew it will be in good arms with them or no less than not implode as so many do! And as I discussed on Monday’s publish, they have been certainly nice stewards 👍
Id – What occurs when the ONE MAIN THING everybody is aware of you from is your weblog, and then you definitely’re not there anymore and go away?! Do you fade into oblivion?? Do all your mates and experiences and road cred exit the window?! In fact not! However MAN is it a scary factor to check whenever you pull the set off!!! Haha… I’ve spent actually greater than 1/4th of my life with this weblog so I didn’t know what would occur or how it will really feel as soon as I used to be away from all of it… Clearly I survived and all was effectively on this planet, nevertheless it was a superb factor to check and know for positive.
Collaboration – After years working initiatives by your self, you begin lacking different folks and groups. And the Idiot supplied me a salaried gig to remain on to seek the advice of and assist them construct out All-Star Cash, so I used to be in a position to simply transition into one thing else enjoyable and new, whereas on the similar time being a part of a group once more and it labored out properly… Although I'll admit there have been a number of instances the place it sucked not being The Boss and having the ability to make a number of the greater selections you thought have been proper 😉 However that’s the trade-off working with others or being an “worker” once more! Can’t have all of it!
Capitalization – We kinda already hit on this, however I mainly needed to seize ALL the onerous work I’ve spent on the weblog over my life, particularly because the stats have been comparatively excessive on the time in case it crashed later! lol, so promoting in direction of the height was the final word solution to capitalize on the whole lot whereas establishing my household higher for the longer term as effectively. And since I continually take into consideration loss of life and the purpose of life and blah blah blah, it was additionally good to have the ability to take this off the plate of my household in case something *did* ever occur to me as they’d don't know find out how to hold the weblog working or promote it, and many others. So promoting was mainly a pleasant solution to wrap the whole lot up with a reasonably crimson bow on prime 🙂
Change – I used to be additionally getting burnt out again then, and truthfully simply bored with speaking about myself on a regular basis , haha… It was time to shake issues up!
Financials – After which after all there was the $$$… And whereas I by no means did prioritize it over the content material and mission of this web site, I did do sufficient to no less than make a residing off it and get mid 6 figures out of the deal. Which I then rotated and invested, after all, in order that the mid 6 would flip into greater 6 someday!! One thing I very a lot thought-about once I was working via the deal 🙂 “If I did NOTHING for years my cash would double — orrr — I can hold running a blog 40 hours every week and doubtless make the identical amount of cash?” – HAH! And as we now know wanting again, these 2019-2021 years positive have been good to us…
After which lastly, promoting was the final word Minimalist Problem – There’s lots of issues you may do away with in life and be effective, however letting go of one of many most essential issues to you (no less than at one time) is an entire different factor. And I REALLY needed to see if I may do it! And true to the written phrase, it was completely effective and never almost as massive a deal because it appeared peering in. Actually, it even bolstered the concept you don’t must *personal* a factor in an effort to *take pleasure in* it! Once I continued writing for the weblog underneath the brand new administration I skilled simply as a lot pleasure as if it have been mine! And probably much more since I used to be getting paid extra reliably and didn’t must cope with any of the hassles of possession! Lol… So undoubtedly happy with myself for this one and glad I obtained to place it to the check 🙂
Now onto Spherical II and seeing what we be taught!!
And that’s all about me, my cash, and a few weblog background…
Share some enjoyable information about your self – the place you reside, how lengthy you’ve been studying the weblog, the way you handle your cash, what stage of FIRE you’re in – and no matter else helps us to get to know you extra!
Even when we already know you, nonetheless share, as a lot has modified up to now 14 years and we’re continually evolving!
And to all new folks right here I haven’t personally met but, I hope you’ll stick round and see when you take pleasure in my model or not 🙂 Some say it’s an acquired style, however I do prefer to have as a lot enjoyable as 5am Joel does even when I’m not *as* cheery, haha… However I'll curse extra and get feisty, so purchaser beware!
Alright, a lot of enjoyable issues forward… See you within the feedback 👊
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