My name is Veronica. My husband Andrew and I are both full-time health care professionals, bloggers, 'flippers,' and seekers of financial independence. We began writing this blog because after having many discussions with friends, family, and co-workers about finances, we realized that we live a unique lifestyle, and want to share our experiences for the benefit of others.
Once we began talking to our peers about money, we realized that we have accomplished something others consider unfathomable for our age- we are in our late 20's with 10 years of private college education between us, yet we are nearly debt free, including our mortgage, because we have spent the last 2 ½ years of our marriage completely paying off $96,500 in student loans, $5,000 in credit card debt, our wedding, and over half of our $144,000 mortgage ($75,000 and counting) all the while investing the maximum allowed amount in my 401(k).
We were able to accomplish this feat because of willpower, frugality, and extra income from our favorite hobby/'side hustle,'which is attending garage sales, estate sales, and auctions, then flipping the second-hand items we purchase for a profit.
Take a peek inside our lives as professional garage sale-ers, auction-goers, and frugal entrepreneurs,flipping other people's 'seconds' while saving and investing the profits on a journey towards early independence from the wearying corporate grind.
We want freedom, but it doesn't come easy or cheap. In fact, it may end up being the most expensive thing we ever purchase.
Andrew is a nurse and I am a pharmacist, and although those are noble professions with great pay, they do not reflect our passions. We were each fortunate enough to marry our best friend and we don't wish to spend our lives separately working at our jobs while only seeing each other a few hours per day in-between work and sleep. While that my be the norm for many couples, to us, it is unacceptable. Some people may perceive that outlook as
laziness, but there's much more to it. We've witnessed things in the past few years that really grounded us and forced us to evaluate what was truly important. We decided that life is far too precious and too short to do something 40 hours a week that we merely tolerate in order to make money. It seems counterproductive to us to work longer and harder for non-essential things such as a larger home or more luxurious car, because overall we will have less time to spend enjoying the activities and people we love.
We're no strangers to tragedy. In the last 5 years, we've witnessed a multitude of unexpected deaths and unfortunate events strike those we love. Health issues caused everything to turn sour fairly quickly. Family members who hadn't needed to work in decades were suddenly making resumes and picking up whatever jobs they could find out of necessity. Others who were almost broke during those previous decades launching careers were now the highest earners, and the family financial hierarchy became flipped on its head in a bittersweet twist of fate.
We know people who bought houses during the housing boom and then were forced to sell for losses in the hundreds of thousands, and others living supposedly perfect lives in wealthy areas barely making it to the next paycheck (and sometimes not)
All of these events have shaped the way we think about our future and view money. When you see a foreclosure or another misfortune on television, it's not real. But when it happens to someone you know, someone you love, someone who you thought had it all together and figured out, it's shattering.
These were people with annual income earnings in the top 5%, not people living on the edge of low class and poverty. They were executives and small business owners. They thought they were set for life, and had 'financial plans'...until life brought them financial pains instead.
Witnessing these events made us realize quite a few things; most importantly that we needed to make our own path and follow our dreams, but not fall victim to living beyond our means. It also reinforced that nothing is forever. We try to avoid assuming that our annual income will always be at the level it's at today, and we save/invest about 70% of our total income. By living off of 30% of our income, it forces us to get creative and use every dollar wisely and it has enabled us to make the sort of financial gains we highlight in our blog.
This blog not only serves as our outlet, it is to inspire you, to give you hope, confidence, and to give you the courage to forge your own path. It is about finding whatever your dream is and taking the plunge. For us, the dream is financial freedom, and we'd like to share our journey with you. Follow us as we share our second-hand finds, profits, losses, investments, mistakes, and life lessons learned as we change course from the sea of debt and pick up the winds of change, 'sale'ing on an adventure to a new world named freedom.
We welcome you to use the comments section to introduce yourself!