Personal finance for people with moderate incomes? Meet the Middletons

I make no secret of the fact that I don’t earn a ton and happen to live in an expensive city. In fact, that’s a huge part of the reason why I blog: I didn’t see anyone else blogging who had a similar background and story to mine. So I decided to start blogging to hold myself publicly accountable and to tell my story.

In amongst the six figure earners in the FIRE community (or honestly, even the people pulling in high five figures), it’s incredibly easy for me to feel like an impostor. I don’t think I’ve ever explicitly said so, but my last COL increase put me at just under $45,000. I’m lucky if I can reach a 40% savings rate most months, and I’m certainly not going to be financially independent before I’m 30, so who the hell do I think I am to be adding my voice to this space with my non-profit salary?? Often it seems like I am never actually going to reach financial independence.

But that’s why I’m documenting my journey, as a way to show people (AND myself!) that it is possible. It’s going to take time and lots of creativity both in terms of earning money and lifestyle design. But I believe it’s possible, and that in and of itself is reason to be writing and—dare I say it?—reaching for financial independence for myself.

When Gwen and J were interviewing me for FIRE Drill Podcast, they asked me if I had any resources or recommendations for people with lower incomes. And I blanked. I couldn’t think of anything terribly significant off the top of my head, even though I write as a person who makes a middle income. Why don’t I have any significant resources I can point people to? I ended up saying there’d be a project called The Money Middletons launching soon, so to keep an eye out for that.

Well, it’s happened: The Money Middletons launched today. Continue reading “Personal finance for people with moderate incomes? Meet the Middletons”

A first-timer at FinCon18

FinCon18 (and, coincidentally, my last post) was almost three weeks ago at this point, so it seems a bit ridiculous to go into a long, detailed recap of what I spent and what I did each day. So I’m not going to (although it’ll be long anyway because that’s how I operate #verboseforlife). You can thank the fact that I’m STILL, an entire week later from when I realized I did not escape unscathed, recovering from some sort of crud I picked up at either FinCon or Disney, which meant I spent most of last week in bed (dear lord, can I just be better already??), for the extreme tardiness of this post 🤷‍♀️ Continue reading “A first-timer at FinCon18”

I went to money nerd camp, summer/Midwest edition

Surprise, it’s Friday! What gives with the ridiculous lack of posting lately, especially considering I’ve been in town and have had time to write? Well, I walked into the Apple store with a malfunctioning computer on Monday[*] and walked out without one. That is, I walked out without a computer, functioning or malfunctioning. Not sure how long it’ll be before I get my computer back with hopefully some new parts that means it works like it should, and in the meantime I’m learning just how many things I prefer to do on my laptop than on my phone. Continue reading “I went to money nerd camp, summer/Midwest edition”

I went to money nerd camp (aka CampFI Mid-Atlantic)

It’s likely if you’re in the DC area and reading this (or you happen to live right near where I grew up 😉), you’ve probably met me (so people can attest to the fact that even though I’m anonymous I am a real person!). Because I love meetups. I love the large group meetups, I love smaller meetups, I love one-on-one meetups. The community really makes this ridiculous blogging hobby I have worth it.

And I just made my debut appearance at a large group event: I spent last weekend at CampFI Mid-Atlantic with about 70 other money nerds. Continue reading “I went to money nerd camp (aka CampFI Mid-Atlantic)”