Hi there! I'm glad you're here. Allow me to give you a little background on my story. A few years ago my wife and I were drowning in student loan debt, but we've successfully paid off it all off. We are now focused on growing our net worth and living the life we want to live.
We started our marriage with over $100,000 in non-mortgage debt. It was a combination of, primarily, student loan debt and some credit card debt. My wife brought a large majority of the debt into the marriage. We met in college and, even though the debt was high, it was worth it if it brought us together.
I point out that my wife brought most all the debt into our marriage for a reason. Some people out there used to have terrible spending habits and, after having an epiphany, decided to get things in order. Their stories are great. Mine is simply different. I was raised in a fairly frugal household and developed good financial habits at an early age. I (happily) married into my debt, and we worked hard to get rid of it. The massive debt we faced was certainly a roadblock, but it was a tremendous (albeit expensive) learning lesson.
After a number of friends and family members started approaching me for my thoughts on financial matters, I decided to share my thoughts to the world, using NinjaPiggy as the platform. I realize there are many paths to financial success, and success means different things to different people. Much of the financial advice out there has a dogmatic, “my way or the highway”, approach to financial advice. Here at NinjaPiggy, I take a pragmatic approach and consider many viewpoints to guide people to make well-informed, educated decisions. If you are wondering why I write:
I write to help people.
I write because the people who need financial advice the most, often don’t get it.
I write because financial advice needs a dose of realism.
I write to reach a broader audience than I could otherwise.
I write because it’s part of the legacy I want to leave.
I write to solidify my own financial thoughts.
I write to stay accountable with my own personal financial decisions.
I write because I’ve been inspired by other personal finance bloggers and I want to pay it forward.
I’m glad you found NinjaPiggy, and I’m excited to see where the journey takes us.