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Posted by / 13-May-2018 05:52

I wanted a family, but I didn’t want to be one of statistics.

My choice to form a family through adoption rather than pregnancy was a decision I made when I was an idealistic teenager.

Money was a constant source of tension and stress when I was growing up.

My parents were intelligent, well-educated and hard-working, yet they lived paycheck to paycheck.

Both my husband and I grew up with young, struggling, work-all-the-time parents and quite frankly, that often stunk.

I learned to be resourceful and to do whatever it took to survive.

One night, while working the graveyard shift at a donut shop and pouring coffee for a homeless woman, I realized that I was one paycheck away from being homeless myself. Motivated by fear of an uncertain future, I opened the Yellow Pages, called professional dog trainers and negotiated an unpaid apprenticeship. He was a construction worker, earning just bucks an hour…) Anyway, by the time we had celebrated our second wedding anniversary, it was obvious that if our marriage was to survive, we needed to move away from his family.

When I was 13, they divorced, then my mom struggled to raise three kids, often relying on free lunch tickets and food stamps.

As my mother approach retirement age, she was riddled with anxiety over the fact that she hadn’t saved for her golden years.

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With this newfound knowledge, I created a plan that would allow my husband and I to be free of our money worries. By age 40, we were 100% debt free and had over a million dollars in the bank!