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May Day: Is the Debt Ship Sinking?
May Debt Snowball Update: From -$3,700 last month to +$7,712 this month due to the new shed and car repairs. With dividends approaching $500/month, the big question is: keep building income or slam the debt? Full breakdown inside.
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Sunday Play Day? I Love Free Stuff
Free Swing Set Haul Today! My wife scored a massive swing set with a climbing wall and zipline. Today we’re disassembling, loading up the U-Haul (thanks, Mom-in-law!), and hoping those posts aren’t cemented in the ground. Free stuff + family projects = best kind of Sunday.
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Frugal Friday May 15 2026: Working Hard
Frugal Friday May 15, 2026: Finishing the shed the smart way — buying only what’s needed to complete the loft, organization, and protection. Sometimes the most frugal move is investing in the last steps. Happy Weekend!
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Financial Education Series: Emergency Fund vs Brokerage Fund
Emergency Fund vs Brokerage Fund: Why keeping extra cash in checking is silently costing you money, and how moving it into investments (even conservatively) can build real wealth over time. A beginner-friendly look at inflation, HYSA, and compound growth.
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What Motivates You?
Is focusing on frugality really just ‘focusing on money’? For me, it’s about something much bigger: Freedom. From the ability to garden on a whim to being present the moment the kids get home from school, the ‘Snowball Experiment’ isn’t just about dividends—it’s about regaining control of time. Even when car repairs and slow side-hustle…
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Why is Life Always So Busy?
here are some weeks where I feel like I never leave the house. Other weeks, like this month of May 2026, every single day off is jam-packed. Cousins visiting, Amish building the shed, moving a giant free swing set + zip line, sleepovers, wedding baking… and somehow still squeezing in covered calls and dividend buys
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Mother’s Day 2026: Thank You for Everything
Happy Mother’s Day 2026! It’s the first year my mom, mother-in-law, and wife are all together. Breakfast in bed from the kids, family dinner, and lots of gratitude. So grateful we’re all within a mile of each other now.
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Shed Preparation Time
Getting the yard ready for the new shed this weekend — emptying the old one, moving it, buying gravel, installing slatwall, and adding a small loft. Busy times, but progress is progress.
Mini Thoughts
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Monthly Dividend Progress
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