Personal Financial Rules
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1. Travel
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Travel for at least one week a year & one or two long weekends a year
2. Debt
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Minimize all non-mortgage debt and aggressively pay it off
3. Investing
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With all other things being equal, invest
4. Emergency Fund
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Always hold 2 years of mortgage payments/1 year of all expenses in cash
5. Friends & Family
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Don’t sweat the price of gifts and hosting friends & family
6. Financial Independence
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Every financial decision should start with a discussion of impact to FI.
7. Guilt Free Spending
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Each year, define a GFS budget to avoid $30 fights
8. Experiences
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Prioritize quality time & experience over items
9. Quality
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Scale up in quality based on usage of an item
10. Budgeting
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Spend on what we love, cut everything else aggressively
11. Time*
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Always make time for personal and sexy time together
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