your money or your wife
me looking at my paid off house
Standing barefoot in MY (not the bank’s) yard 🙂

Hi all! Welcome to! My name is Derek Sall and I want to help you.

I want to help you develop a plan for your cash flow. I want to help you get out of debt. I want to help you beef up your emergency fund. I want to help you invest in your future. And, if you would like, I would love to help you become rich!

My Story

I earned my Bachelors in Finance in 2008 and followed that up a few years later with my Masters of Business in 2014. I’ve learned a ton about business and finance, and with this education (and also with trial and error…emphasis on the error) I’m ready to rock your world with financial goodness! 😉

My story isn’t pretty, but it’s mine.

It comes with highs, lows, and highs again. Thankfully, right now I feel like I’m standing on a mountain top. So high I couldn’t imagine being any higher. But, before I get too far ahead of myself, let me walk you through my story.

Young Bliss…for a second

When I started this website in 2010 I was married and had about $18,000 worth of debt. I tackled the debt head on and paid off every penny within 14 months.

My World Fell Apart

“I want a divorce”

I can still see her lips moving. I can still feel the wall rise behind me as I slunk down to the floor. It’s a day I’m sure I’ll never forget.

My wife left me in 2012 and wanted her half of our net worth…which equated to $21,000… I never thought it would happen, but I was back in debt.

Climbing From the Depths

I was depressed, angry, vulnerable, but I was also driven to just get the whole painful thing over with. So, I rolled up my sleeves and paid my ex the full amount – $21,000 – in just 6 short months.

After paying off that debt, I figured, “Why stop here?”, so I started chunking money toward my house debt. After 12 months in 2014 I had paid off all $54,500 of my mortgage loanI AM NOW COMPLETELY DEBT FREE and it is simply amazing! No more payments whatsoever, so all of my income gets paid to me – not to my car, my house, or to my credit cards. My money goes to ME. It’s a fantastic feeling and I pray that you can experience it someday as well.

Rising to the Peaks of the Mountain

Today, I’m married to a beautiful, intelligent, and caring woman that I can’t imagine being without. We have two kids that we absolutely LOVE spending time with!

On top of this, our finances couldn’t be better.

  • We’re still completely debt free,
  • we own one rental property,
  • and we’re currently looking for another!

What’s Next? You’d Better Follow Me to Stay in Touch!

Stay tuned for what’s next in this crazy life of mine! I can’t wait to share everything with you while we continue our journey.

Be sure to follow me on Facebook, Twitter and subscribe to my feed  for future financial tips and life lessons! 🙂

I Have Been Featured On…

It is extremely cool to be featured by large publications. Not only do I get a spike in traffic because of it, but it also lets me know that I’m doing something right with my writing. A little pat on the back is nice every now and then.

Take Financial Advice From Trusted Sources, Rather than Friends – LifeHacker

Before Your Next Purchase, Ask Yourself These 3 Questions – LifeHacker

Living on Only $460 a Month? Really? – MoneyTalksNews

25 Examples of My Extreme Cheapness – RockStarFinance

House Hopping Will Keep You Broke – GlobeandMail

9 Things the Rich Do That the Poor Do Not – The SAHA Financial Daily and Business Insider

How (and Why) I Dumped All My Debt Before Age 30 –

Getting Out of Debt is a Lifestyle Change – LifeHacker

Pay Off Your Mortgage Early and Become Financially Independent – Huffington Post

This Chart Shows the Difference Between a Broke and a Rich Budget – LifeHacker

Here’s How I Made $100k on the Side in 5 Years – The Penny Hoarder

Researches Say the Snowball Method is the Best Way to Pay Off Debt – Business Insider

This Spreadsheet Calculates When You’ll Pay Off Debt – LifeHacker

A Man Who Paid Off $116,000 by 30, Shares His No. 1 Tip – CNBC and Yahoo! Finance

Are You Wealthy? Take the One-Question Quiz and Find Out!CNBC and MSN

11 Numbers That Will Terrify You Into Saving For Retirement Right This Minute – Huffington Post

Cashback Credit Card Tips –

How to Manage Money and Credit –

Budgeting, Earning, and Paying Off Debt –


Disclaimers and Policies

The customary disclaimer: I would like to remind everyone that I am not a professional adviser and what I share here with you is based on my own personal experiences and research, and contains subjective opinion. Thus, I are not liable for the information you decide to use or take from this site. Read, learn, surf, and form your own conclusions. If you find anything on this site that you disagree with, please contact me with the form above.

My comment policy:
1. Readers are solely responsible and liable for their comments.
2. I will not publish comments I personally don’t understand (e.g. written in a different language), are irrelevant or are considered spam.
3. By commenting, you grant Life and My Finances license to use, modify, and delete all comments.
4. Link backs made by commercial sites may be deleted.
5. Policy subject to change at any time.
6. Reader questions to my email box may be reprinted and used as the subject matter in posts.

Most importantly, please be aware that the content on this site is for informational purposes only and should not be construed as professional advice. Rates and offers shown here may change without notice: please visit referenced sites for up to date information. Life and My Finances may also be compensated for our personal opinions and views on featured products and services.