The Great Debt Debate


Debt is one of those weird things.  It can be useful, if you use it properly.  Most times it’s bad.  It’s kind of like the opiates of personal finance.  Good if used in moderation for the proper purpose, really bad used in any other way. That being said, we have some debt.  Not all that much, but enough. Yeah, that’s…

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Ode to Merc


Let’s just say that the last 4-6 weeks have been a little rough over here in the waffle household.  I don’t know if Mr. Wow felt it, but I sure did. So many things were just out of control.  Sleep, eating, stress, beer consumption, lack of working out, poor work productivity.  I felt as if my life was in a…

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The Evolution of the Souvenir


If you are like almost everyone, vacations and traveling are something that you get excited to experience for months leading into the trip.  There is planning, buying the tickets and studying the new place you are going.  All this excitement and anxious energy builds up into a crescendo so that when the trip finally arrives, you can hardly believe it’s…

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MythBusters: Composting Edition


Five lessons we have learned since starting to compost.  Let’s bust some myths.   Guys, I have an announcement to make. We have been legit composters for 1 1/2 years now. Can you believe it?   And not only are we legit, we have actually been successful too.  Damn, it feels good to be a ganster composter.     For people…

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Our Huge Tax Bill… Oops


You know what’s fun during tax season?  A call from your accountant. Why is he calling?  Taxes are due in 2 days, he usually just emails that everything is done, and then we e-sign it. Something must be up. So, I pick up the phone, “Hey, what’s going on?” I just wanted to call to discuss your tax situation with…

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Simple Start to 401k For Those That Don’t Care


Well, it’s that time again.  I’m finally eligible for the 401k at my new job.  This one isn’t nearly as terrible as the previous one.  This time we have access to the full assortment of Vanguard funds.  Vanguard is also the provider so we are sitting pretty with the ER’s across the board. We don’t get a match, so those…

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Happy (Financial) Independence Day!


Hey Wafflers and Happy Financial Independence Day!   Regardless if you are already FI, close to it, or still grinding away, today is a great day to celebrate where you are on your journey. Take a minute to reflect and smile because of everything you have done so far. We wanted to personally thank you for taking time out of…

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