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10-Sep-2020 16:33

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When I asked my boss if I could work remotely from California I wasn’t expecting him to say yes.

When he did, there was ONE major caveat: since it was my idea, the company could offer me no salary increase. Despite moving to one of the most expensive metropolitan areas in the US, I was just thankful that I’d have a job.

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Admittedly I didn’t – my savings rate through my 20’s was a paltry ~15% or so, give or take a few percentage points.

One day the goal was to move back to Minnesota – maybe in our 40’s – so I started saving a little bit for that. The best memories I have weren’t about dropping money on my Sonata or on something I didn’t need.As much as I want to say the best memories are free – and often times they are – the fact of the matter is I spent a lot of money in my 20’s. Sure, some of it was on stuff, and not all of my money was spent wisely.But looking back, I’ve realized that if I’d saved more money in accounts I couldn’t touch, I know I’d not be in the place I am today.I added a car loan just six months after graduating before having paid off all of my credit cards. Over time I got so irritated with the loan that I decided to wipe out what money I did have saved (basically a 5 month emergency fund) and destroy the note once and for all.

Allocating money to paying off debts was more important to me in the short-term than retirement.I had dreams and goals and ambitions in my 20’s that needed money to support them.

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