A Letter To Myself

This idea was spawned from Ninja over at Punch Debt in the Face. I hope to write this and put it in an envelope and open it in 10 years.

Dear Future Self,

I hope you are doing well in 2020. It has been a short journey in my married life but the most important as far as I’m concerned. We have been debt free since November of 2007 (but of course you know this) and you had still better be debt free as you open this (threat included). Right now we are going through some financial adversity. I thank the Lord everyday that we learned the basics of personal finance from Dave Ramsey. If not we would have to resort to credit cards to cover many of our expenses during this time.

As you are reading this my hope is that you have not forgotten the most important thing in life. I hope that through your financial adversity you have learned to hug your beautiful wife 🙂 a little harder and loved on your kids a little longer. I can’t wait to see how our lives are going to look in 2020. The steps that we have taken now will be so important when you open this letter. I don’t really have the patience for adversity at the moment. My hope is that we will see the end result of our hard work and self discipline by the time you open this letter.

More importantly than finances remember that it has been your relationship with Christ that has brought you to the point where you are today. You have been blessed beyond your knowledge and more importantly your family will be blessed through many generations because of the steps you have taken. Never lose sight of who sustains you and blesses your path. If you do let this letter be a reminder. You are NO ONE without Christ! Remember that your time line is not God’s. Your life will be a whole lot less frustrating when you realize that.

In the end, remember that communication is key. You will not win in life if you can’t learn to communicate in relationships. Your old self is going to be really disappointed if you have abandoned any of your top 3 pillars (God, Wife, and Family in that order). I have 3 instructions for you that you must do in the next week.

1. Open your bible and connect with Christ.

2. Take your wife on a date and do mention the budget ;).

3. Spend a full day with each of your children individually (Greyson 15, Ava 11, and TBD 10)

Do these 3 things amidst whatever victories or struggles may be going on at this point in your life. Never lose faith and never lose sight. See you on the flip side.

Yourself 10 Years Ago

P.S. Thanks Ninja for the idea. This is a really great way to reflect on the most important things in life. I encourage you to do this on paper or on your blog. Shoot me an email or a tweet with the link. I’m interested to read your letters to your future self.



Friday Faith

Trust in the Lord and do good;

Dwell in the land, and feed on His faithfulness.

Delight yourself also in the Lord,

And He shall give you the desires of your heart.

Commit your way to the Lord,

Trust also in Him,

And He shall bring it to pass. Psalm 37:3-5 (NKJV)

I think the most important thing to draw from this passage is that it includes every situation. Some days we are all on top of the world and some days we are very low. Whether it be financial stress or relational problems there is an importance wherever you are in life.

The very first text says “Trust in the Lord and do good”. This is key. Above all else God must be trusted. We can not always see the end result of every situation. You have to trust, through the pain or the pleasure, God is using each segment of life as a teachable moment.

I know right now many of the readers of this blog are experiencing some sort of financial stress. God is saying to you that all you have to do is trust Him and He will give you the desires of your heart. This is key though. The desires of your heart are not always pure. So we sit around and wait for our own selfish desires. If you are calling on God to change your situation and nothing is happening you need to reexamine your heart. God will answer prayer in His time and for His glory.

How do you think this scripture is speaking to you today?

Are you working on your time line or His?

Do You have a Bible on Your Phone?


Step 1: Define Passion

I just finished reading a great book called Crush It by Gary Vaynerchuck (review to follow). He first suggested that I needed define my passion when entering the world of blogging and personal branding. Since I am a virgin in the business of me I figured I would tell you a little bit about why I am so passionate about your finances.

As you can read in My Story page, I grew up in a pretty normal lifestyle. It wasn’t until I got out of my family shell that I really started to see the world. After college I was the regular bachelor. I spent mass amounts of money on my own selfish desires, which made it harder to be married but that is another story :).

It wasn’t until I agreed to only allow Death Do Us Part did I realize that life is hard. I used to check the online bank account daily wondering when more money was going to be debited (a hyper link is  included if you don’t know what that means). Sweat beads would drip from my brow every time Target would appear on my statement.

It was then I realized that something had to be done. Back then I forced my wife to go to Financial Peace University with me. It was until recently that she (and our counselor :)) informed me that forcing her to do anything was not a good idea. It was during FPU that I began to open my eyes. I started to realize that financial strains not only affected decisions to go to Chili’s or Mickey D’s. People were hurting. Relationships were strained. The divorce rate is above 50% and one main reason is money problems.

It was through my own financial birth that I discovered that people need direction. So in a sense my heart is broken for you. God has burdened me with an unquenchable thirst to help the financially lost and misguided. Bill Hybels calls it a Holy Discontent.

So consider this a rebirth for this blog. I have a new direction and will be unveiling it soon. It’s going to be sleek and it’s going to be sexy but most importantly it will rock your world.