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Baby Sall is Here! And, Top PF Posts in May!

20160507 - frugal rules earn a raiseLiz went into labor on Tuesday night, gave birth to our beautiful daughter on Wednesday morning, and we all got released from the hospital just two days ago! We are all doing well and are adjusting to this new, gorgeous gift in our lives.

So, in honor of adding another mouth to feed in this household, let’s take a look at the top personal finance stories from this past week!

The $15 Retirement Plan

– by The Simple Dollar – This is a great way to take a look at how you’re living from day to day. How much extra do you spend on lunch, coffee, and other random purchases each day??

What Do I Have, Not Could Have…

– by She Picks Up Pennies – She right. Thinking about and writing about personal finance all the time often makes you feel like you don’t have enough. You might think your retirement account is underfunded, you don’t earn enough money, and your net worth is barely worth mentioning. But, instead of focusing on what you DON’T have, you really need to start focusing on what you do have. Great read.

The Top 1% Net Worth Levels By Age Group

– by Financial Samurai – If you just can’t help yourself and need to know how you match up against your peers, this article will pretty clearly show you if you’re in the top 1% in your age group. Liz and I…we are definitely not in the upper 1%, but that’s okay with us. We are incredibly happy and make plenty of money to live the way we want to. How about you?

The Benefits of Investing in Land

– by The College Investor – I’ve thought about investing in land for quite a while now. It’s obviously a limited commodity (you can’t just build more land…well, unless you’re in Dubai I guess), so the value of land will continually go up through the years. But, there’s this pesky thing called property taxes, so as your property grows in value you end up paying more for taxes each year. So how do you combat that? Check out the article. You’ll get your answers. 😉

How to Earn More At Your Job Starting Today

– by Frugal Rules – I’m always interested in earning more money, both at work and at home. This article was a good reminder about what I need to do to increase my hourly wage. Basically, you need to show your employer that you can always get better and do more.



My name is Derek, and I have my Bachelors Degree in Finance from Grand Valley State University. After graduation, I was not able to find a job that fully utilized my degree, but I still had a passion for Finance! So, I decided to focus my passion in the stock market. I studied Cash Flows, Balance Sheets, and Income Statements, put some money into the market and saw a good return on my investment. As satisfying as this was, I still felt that something was missing. I have a passion for Finance, but I also have a passion for people. If you have a willingness to learn, I will continue to teach.


  1. Congrats Derek and Happy Mother’s day, Liz!! Girls are a lot of fun but I may be biased since I have 3 sisters and 2 daughters 😀

    • Thanks Jessica! She is definitely a blessing and we are so happy to have her!

  2. Congratulations Derek! What a wonderful blessing from God!

    • Definitely! We just had a checkup at the doctor and were told we have a perfect baby. Now that’s good to hear!

  3. Rock on!!! So life changing! I’m surprised you can even function to get this out w/ all the lack of sleep! You’re a true hustler, haha… Soak it all up! 🙂

  4. Congrats! That is so awesome.

    • Thanks! It’s been so great so far! A HUGE blessing!

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