About

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.

 

NV1012_1350Once 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.

 

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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

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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!

9 Comments on “About

  1. It’s great to see young couples who’ve got it figured out. My hubby were late to the party as we started paying off debt only about 2.5 years ago..and we’re now 40. I wish we had this mentality when we were in our 20’s. This is something we are trying strongly to pass on to our kids. But will we get through to them? You know, “those forced against their will are of the same opinion still.” (Dave Ramsey) We’ll see!! Glad you guys are sharing your story!
    Margaret @ Live Like No One Else recently posted…What happens when your children show an interest in selling on Ebay.My Profile

    1. Hi Margaret,
      Thanks for stopping by! We all learn by example. Veronica’s parents have always comfortably lived beneath their means, and so that’s why it’s not a big deal to her to do what we practice. Your kids may pick up on more than you realize, regardless of if they actually give you credit for it!

  2. Your story is exactly where we are but with 3 children. We are excited to have found your blog!! We are hopping to adopt some of the same strategies to get out of our own sea of debt 😉 thank you for being brave and sharing your story!

  3. Hi Jackie,
    We’re so happy to know that you enjoy the site! We can’t imagine this journey along with kids in tow. Kudos to you! Thanks for introducing yourself, and feel free to let us know what sort of articles would best meet your needs. Don’t be a stranger! 😉

  4. I love what your website does, it allows others like myself to create a blueprint from your success. I’ve looked at quite a few blogs and this is by far the best one I’ve ran across. I will continue to make it a daily habit to check in and see what new articles are posted.

  5. Hi there!

    I just listened to you both on the his&her money show yesterday. I loved hearing your story! I, myself, went to Duquesne for Speech Therapy and am now working to pay back graduate school. I still babysit, walk dogs, and actually buy clothing second hand (goodwill, yardsales, etc) and sell online for extra cash! So glad I found your blog. I am working on my own to track my debt, however haven’t gotten it “up and running” yet. So far I have paid 18,000 between my car and school within the last year. Keep doing what you’re doing! :)

    Emily

    1. Hi Emily, thanks for stopping by! We’re always happy to connect with new people, especially a fellow Duquesne-er :-) What an amazing job you did paying back such a huge amount in the past year. It’s not easy or very fun, but it’s worth it. Let us know when you get your blog up and running-we’d love to follow along!

  6. Thank you for allowing us to read your story and be inspired. I also started late, but I’m debt free now, have an ok paying job and 6 figures in savings, but I need to max out my retirement account and start to invest my money. I have an opportunity to buy a house for $133k or sell it as is and walk away with some money. Not sure what is the best way to go about it, but trying to figure that out right now. Hoping to keep reading and see what insights I can pick up from you both to help me in my decision making. Another great story. Thank you guys again. 😉

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