One Dollar Allowance

There’s a lot of chatter online these days about a “90s summer.” I’ve also been fed some reels about what “rich” looks like, and it’s not about money or flashing the perception of money. Mr. ODA and I are working very few hours these days. My job is because I’m a “helper” in life, and I know this group needs my help for a bit longer (I also tried to quit and they said no). Mr. ODA’s job is to qualify for health insurance so we save about $1500 per month in direct expenses for health insurance.

When I first started working, my goal was to climb the ladder. I wanted to be the youngest CFO in my Federal agency. Then a 34 year old woman got the job and crushed my dreams a bit, but I was still a good amount younger than her, so I just needed her to move on in the next few years. Then I went to DC. I left the house between 5:30 am and 6 am, and I got home between 4:30 and 5:30. I kept looking around thinking, “when would I see my kids if I had them?” In fact, we were denied adopting a dog because we both had full time jobs. That still fascinates me. During my fight to climb the ladder in DC, I realized that wasn’t what I wanted. I wanted to live a few miles from work where I could have more free time. I wanted to own a little piece of the pie, so to speak (my job in DC was very high level, but I loved working with the State level where I could actually see the road and bridge projects I approved in progress). But even as I made that transition, it didn’t feel right. I wanted to be home with the kid I was about to spend $30k to have. I didn’t want to put all that money into making a baby for him to sit in daycare for a whole work day and commute time (I get it – it works for people, but not for me).

FIRE. Financial independence, retire early.

While our path didn’t go as we expected as we learned more, and we both worked longer than we intended, the goal was always the same – be home with our family while they’re little. And that’s what we have. Even when I took this new job, I said my kids come first. I didn’t sacrifice in all those ways before kids, give myself freedom, and then take on a full time job. Most people struggle to understand that. Even the agents who I’m paying $600k each year can’t understand when they hear I don’t “need” to work.

So that’s my rich. I’m at the kids’ school all the time. I’m at nearly every drop off and pick up. Heck, I discharged from the hospital AMA so that I could get to a baseball game in May. I will be there. I will be cheering them on. I will lay in bed at bed time, read them books, and then ask them about their day while they tell me the most obscure things…but it’s because they just want to fill that time where they get to talk to me without a sibling interrupting.

I’m not driving a fancy car. I’m not living in a 7000 sf house just because I can. We’re not going out for drinks and sitting at restaurants multiple times per week. We’re not going to the movies every month (umm, actually, or ever, unless it’s the $2 summer flicks series). I’m making my money work for me, so that I can focus on pouring into my kids and enjoying the time of their lives that they actually want to be around me all the time.

Disclaimer: I am not personally making my money do anything. That’s all Mr. ODA. I’m just the bookkeeper, collecting rent and tracking what’s happening and trusting he has the answers on how to move the money around.