Sam & Sophie. Two corporate jobs, training hard after work. No car payments. No credit card debt. Building toward financial freedom. Free cheat sheet in link.
@theficouple This is our goal! Max the Roths, hit the 401k match, anything extra goes back in. No car payment, no credit card debt. Two corporate jobs in our late 20s just quietly stacking. Boring is the strategy.
Ours looks different but the sauna is non negotiable for us too. Every Saturday without fail, basement infrared, 20 minutes. We both do yoga first then we’re both in. The rest of the list we built around two corporate jobs and an after work gym schedule. Same outcome, different architecture.
Student loans are almost gone. When that last payment clears this year we don’t get a raise, we don’t upgrade anything. The $173 a month just disappears into index funds and we never see it. Same thing we did when the ring was paid off. The money never touches the lifestyle.
First one on that list is the easiest win. 50g protein before 8am every morning. Hard boiled eggs and a protein shake before I leave the house. Sophie has scrambled eggs with soy sauce and rice. Neither of us thinks about food until lunch. Hunger is mostly just under eating protein early.
@drgurner Every financial decision we make gets filtered through one question: does this get us closer to one of us staying home when we have kids. Car payment came up. Answer was no. Wedding budget came up. Set it at $10K. The filter makes every decision easier.
Sophie and I stopped asking if we were going to the gym and started asking what time. Stopped asking if we were going to do Sunday prep and just started doing it. The decision fatigue was the problem. Once it stopped being a choice it stopped being a struggle. Two years without missing more than a day or two.
@hpfounder@CoachDanGo Sophie and I treat the gym the same way we treat the Roth contributions. Non negotiable, automated into the schedule, don’t ask if we’re going just ask what time. The consistency is what compounds either way.
Sat down after work and went through May’s budget before heading to the gym. We do this at the start of every month. June has a lot of wedding prepayments coming out so we needed to be more deliberate than usual. Numbers looked good. Now we go lift.
@DeanTTraining We just make them. Flour, butter, salt, water. Four ingredients. Most store bought have 15 plus preservatives. Make a batch on Sundays, holds up all week. Never going back.
Sophie and I train together 4 to 5 days a week after work. We’re 27 and 28 and neither of us has felt better in our lives. She came from competitive powerlifting, I’ve been lifting since I was 16. We found the version that works for both of us and we just never stopped showing up.
This is exactly why Sophie and I started building now. Student loans nearly gone, Roths maxed every year, index funds automated. We’re in our late 20s and the 30 year runway feels long until you read something like this. Every year you wait is a year of compounding you don’t get back.
@coookwithchris This goes straight on taco night. We do ground beef with smoked paprika, cumin, and chipotle toasted dry in the pan first, homemade flour tortillas, and Greek yogurt instead of sour cream. This pico finishes it.
@SahilBloom Sophie and I talk about this a lot. The whole reason we’re building toward one of us staying home is so she gets to be fully present for that chapter. The financial system we’re building now is really just buying that option. You can’t buy it after.
@thegarybrecka Our grocery list has barely changed in two years. Chicken, salmon, ground beef, eggs, rice, potatoes, broccoli, green beans. The most boring cart in Costco. We spend $700 a month for two people and eat better than we ever did ordering takeout at $160 a week.
50g protein before 8am, coffee the second I walk into work. Sophie has her eggs and rice at home. Two different mornings, same outcome. We stopped trying to do it the same way and started building around how we each actually function.
Sophie and I talk about money the same way we talk about training. Same system, same goals, same direction. We were paying off student loans, maxing Roths, and automating index funds before we ever talked about a wedding. The financial alignment came first. Everything else got easier because of it.
Sophie trained powerlifting for 4 years and could force her body through anything. Then it started rebelling. Sleep, skin, cycles, all of it. She switched to strength training and Pilates and stopped fighting herself. Now on a hard week she doesn’t white knuckle it. She just trusts the work she already put in.
@theficouple We bought the house and kept automating into index funds every month. Never tried to time either one. Two years later the home has $40K in equity and the index funds just keep compounding. Waiting for the perfect entry point is just a fancy way of staying on the sidelines.
Dad’s birthday today so the evening got away from us. Didn’t matter. Food was already prepped so dinner took 5 minutes. Late gym session now and straight to bed after. The system doesn’t care what day it is.
@coltayto@CoachDanGo Start with just a dead hang for 30 seconds and work up from there. No movement needed at first. Just let the shoulders decompress. Made a huge difference for me when I first started.
@Budgetdog_ We automate into index funds every month and don’t touch it. Through every headline, every dip, every “this time it’s different” moment. 30 year runway. The 9.82% doesn’t care about the news cycle. Time in the market does the work.