I've Dave Ramsey'd for the past 7 months, and happened here by accident. I've read books by the minimalists and am taking everything I've read here and there and everywhere very seriously since August. I've always done our banking (never budgeted) over the last 30 years and thought I was doing great. (we didnt save a lot, but always made our payments) I'm just trying to do better in these areas, and I have my husbands support, but hes not "all in"... sometimes he looks at me like I'm nuts:) ANYWAY,
August 1st we were in debt $260,000 and today $181,000. (car and house only) I have made progress. I'd doing a strict budget and really plan to be debt free in just a couple years.
If we were to sell our boat and house, we'd walk away with probably $125,000 in cash, but this is NOT an option with dear husband.
I'm 50 and he's 53. We've only got about $250,000 in our 401K and $1,000 in savings. We earn about $125,000/year.
Do you think even though we dont become total Mustachians we can still retire at some point? We somehow had adopted the "we'll never retire" attitude...
It's amazing how I can't even purchase things with the same thought process I used to. I even walk around my house and get rid of things randomly.. It looks so nice and uncluttered these days! (and I fired my cleaning lady) It's amazing what this site has done for me.. I'm so thankful to have found you.
Man, if I knew then what I know now... wow...