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Some good personal news. As most of you know, I got divorced in 2016. Which was good news, albeit expensive. Found the right lady and married her instead, also good news.

However, that's led to having a lot of financial upheaval. And that meant that for a little while, debt was creeping up, especially because in 2017-18, we both needed to buy cars. I was prioritizing building up the "rainy day fund" and making sure I was in a better situation for liquidity for emergencies, not attacking debt. When we got our cars paid off, I went into credit card attack mode, but right about that time was when our industry was struggling and bonuses dried up. So there were no "haymakers" I could throw and knock it out in a few punches unless I wanted to raid said rainy day fund. It was more chipping away--trying to chip away with decent sized chunks, but still chipping away. Well, after chipping away, I finally landed that haymaker.

So as of today, I am now debt free.

Sounds eerily similar to my life arc.  Took me 12 years to recover -- from a 6 year marriage. Oh the hell I went through....... Nightmare fuel.

Now that you've come out on the other side, you'll stand a little taller, the chest a little broader, and some swagger in your step.

Good for you!

Step 1: Select a not-nice car.

I'm somewhat in the middle. I don't value luxury cars much. But I also don't want a shitbox. And I do appreciate some creature comforts, so when I got my Ford Flex, I opted for the "Limited" (i.e. highest) trim package with more bells & whistles. 

But obviously it's a Ford, and I always buy cars used, so I think it was a solid value. And like Badge, I like to keep them as long as I can get away with. No need to churn cars just because I've owned them a little while, right? 

But then of course my wife drives a Lexus lol. But at least with that I can say the resale value will be high when we finally move on--which we're thinking roughly a 10 year ownership for that car. 

Is that a Boomer Schooner?

Autopay is your friend. And you normally get a better rate when you use it. 0.25% and sometimes better.

I hate writing checks, wasting paper and wasting money on stamps.

That, and I have arthritis in my fingers. Writing anything sucks.

I hate writing checks, wasting paper and wasting money on stamps.

That, and I have arthritis in my fingers. Writing anything sucks.

Yeah, I hate writing anything as well. I pay everything that I can online. I write one check per month. 

Autopay is your friend. And you normally get a better rate when you use it. 0.25% and sometimes better.

I don’t trust auto pay because I’ve had a couple of snafus with credit cards on that front. (Namely a card has to be canceled and something isn’t reset and I catch a $25 fee)