Skip to content

I’m a New Staff Writer for Life And My Finances


Although this sounds sort of like an Alcoholics Anonymous introduction, it is actually a proud statement of fact. I like to blog, I love to write. When Derek extended an invitation to me to publish on Life and My Finances a couple of times a month I was tickled pink!

Life and My Finances and my site, Family Money Values, were started at about the same time. Over there, my goals are to find and describe information about wealth; to help families understand the potential consequences of wealth; and to help families (including mine!) maintain and build wealth for generations by helping visitors learn about wealth issues; wealth transfer tools; family organizational structures; as well as family and business governance concerns. I encourage readers to take the long view and pull all family generations together to nourish the family legacy and wealth.

Similarities with Derek

I believe my financial philosophy is complimentary to Derek’s here at Life and My Finances. I too believe that it is great to be debt free and earn extra income. I too believe in paying cash when possible for cars and etc. I too believe in the wise use of credit cards. I also understand that becoming debt free and wealthy is more about psychology than technique.

I too have multiple web sites (in addition to Family Money Values and its blog, I have one called Aging Bodies and one called Belly Fat). In addition, I write for two other Yakezie financial network blogs on a regular basis as well.

I have a past

It’s a good thing I am retired, or I would never be able to keep up with all the writing, researching, marketing, maintenance and technical work related to the above.

I retired in 2010 at age 60 from a career in Financial Services industries (transfer agencies and mutual funds) plus a stint at TWA. I was (and still hold the certification) a Project Management Professional (PMP) running large mainframe software development projects as well as client software maintenance ones. I managed staffs of programmers and business analysts at times as many as 20 or 30, both administratively and project wise. It was great fun, I had good success and made some long lasting associations.

I’m a wife, a mom, a grandmother, an aunt and a great aunt. I am also the self proclaimed Chief Legacy Officer of our family working to pass along family values, goals, money, history, stories, artifacts and pictures.

My personal finance philosophy and history

I believe in limiting risk (including some kinds of debt), saving and investing, paying my bills on time, using cash, and paying my own way.  I have lived by the old saying: “Use it up, wear it out, make it do or do without.”

I grew up during the 1950’s boomer child of WWII generation parents. They worked hard but didn’t make much back then. We lived in a poorer rural section of a large city in the midwest. Until I was 7 we had neither central heat nor indoor plumbing. There was a well with a pump and yes, there was an outhouse. We had a coal heating stove in the living room. Mom cut everyone’s hair and gave me Tony home perms.

But, my parents were thrifty savers and put enough aside to pay for my brother and I to graduate from our state university debt free!

After college (BA in Psychology), I married and we started out poor. Jobs were hard to come by and we were hit with stagflation. I stayed home with our two sons for 10 years, but we decided that we needed the second income to survive as a family. I opened a day care home to earn money to go back to junior college to get a degree in data processing and then went to work as a programmer – working my way up through the ranks to manager.

We did some things wrong financially in our history, but overall, we did more things right than wrong.

We paid full board and tuition for two college educations. We have been paying cash for cars (mostlye new ones) since 1990. Our home has been owned free and clear for over 17 years. We both retired by 60 and are able to pursue our interests of travel, education, landscaping and collecting. Even in retirement, our yearly income significantly outpaces the median US household income thanks to planning, saving and investing as well as wise use of our resources.

My hope

I look forward to sharing information on money and finances that has helped me on my life journey as well as discovering new tools and avenues together which will benefit both financial and non-financial lives for all of us. As Lance Wubbels says in “I Wish For You”:

“May your greatest joys not be in toys, May your best things not be things, and may your riches always be in the treasury of your heart.”


AUTHOR Derek Sall

Derek has a Bachelor's degree in Finance and a Master's in Business. As a finance manager in the corporate world, he regularly identified and solved problems at the C-suite level. Today, Derek isn't interested in helping big companies. Instead, he's helping individuals win financially--one email, one article, one person at a time.


  1. Well if you are as thorough as you were with our logo journey together than you will give more greatness to this blog. Congratulations and I look forward to reading more of your work.

  2. What a great introduction!

    It sounds like you have a really interesting perspective and will be able to add a lot to the site. I look forward to reading more of your work!

  3. I wasn’t aware of your site, but I look forward to reading your words here.

  4. I look forward to reading your insights! Welcome!

  5. Congratulatiosn, it is nice to see a fellow baby boomer contributing to the discussion.

  6. I love your saying “Use it up, wear it out, make it do or do without.” I’m looking forward to reading more from you.

  7. I’m looking forward to reading more!

  8. Thanks to all of you for your kind words. This was posted the very day we left for a 2 week vaca so I didn’t get to respond timely to your comments, but they are much appreciated!

Comments are closed for this article!

Related posts