Hello, fellow smart money people! We are so glad you are here!!

We are Karen and Bill. We’d like to share a little bit about us.

How it all began..

Bill was (is) logical, practical and frugal. I was (am) emotional, spiritual and not frugal.

We started dating in 1998. We met at work and dating-life was fun. We did the typical things dating people do. Went out to dinner, hung out with friends, took weekend trips, drank all coffee at Starbucks, never talked money. You know, the usual.

We got married in 2002. In 2004, we had our first child. We rarely spoke about money and we didn’t manage it. He saved. I spent. There was a LOT of tension.

We had done well. We bought and sold 2 homes. One we made out as the market was climbing. The second was a total fixer-upper. We were smart about rolling out equity into the next home.

After baby # 2 came along I wanted to work part-time. It wasn’t happening. Not because we didn’t do well at our careers, we have 5 degrees between the two of us. It was because our future would be greatly impacted if one salary was reduced. I wanted more freedom to be with my babies, but did not want to risk our future.

We didn’t want to work until 67. Honestly, we didn’t want to work for someone else after 50.

So, started our journey. We got clear about budgeting and our goals. We made changes that brought peace and clarity to our lives. We were disciplined and in 2012, we paid off our home. We then turned around sold that house and bought another and paid that $600,000 home off in 2014, we have no consumer debt, no student loans, and invest in real estate to create passive income.

Our goal in life is to travel with our kids; to have TIME and MONEY and to teach YOU.

This blog is our way of sharing and paying forward what we’ve learned.

We have been here for a while. Everyone has something to share.


We are in our 40’s and have learned a tremendous amount on what to do and what is just ridiculous if you do it.

Our goal is to share the good, the bad, the funny, the not-so-funny. We want to help you avoid the mistakes, get quick wins and have an awesome, debt free life!

If you’ve ever wondered what is going on with your money? This is the place for you. If you’ve ever wondered where your money has gone or noticed the lack of it? Stay a while. If you’ve ever felt like your cutting back but there’s no more money in the bank and you are no better off? We invite you to hang around. We have found the system to fix that.

If what I said registered a “not me” I thank you for stopping by!

Through our blog we want to teach YOU how we were able to pay off debt, create an awesome life, be great partners and raise awesome kids. This is just the tip of the iceberg. We’d love for you to stick around.


Karen & Bill


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