Welcome to Budgets Are Sexy!
This blog was started in Feb of 2008 by J. Money, a personal finance nerd (and a good friend of mine) to track his journey of hitting $1 million in net worth. After 11 years of budgeting, saving, learning how to invest, and making a bunch of mistakes along the way, he reached the $1M goal! And millions of readers followed along. Now, J. has moved on to other projects and asked me to take over the reins and keep spreading the good word about financial Independence!!
My name is 5am Joel and I started blogging here in June 2020. I’d never done anything quite like this before. But, life has taught me that tackling big and scary things will lead to some pretty amazing places!
Why “5am Joel”? About 4 years ago I started getting up every morning at 5am. It started as one of those 30 day challenges, but after the challenge was over I just never stopped. I got addicted. I started noticing major improvements in my work, health, relationships and happiness in life.
I run a small personal website/blog where I send out a *short* daily message at 5am each morning. I write about happiness, positivity and learning to be a better human. You can check out all the archives here if interested: 5AM Joel Daily Emails
What else can I say? I’m 35 years old and live in California. I’m married to my best friend and we have a hyperactive German shepherd dog named Cooper. No kids (yet?), we are like one of those annoying happy couples that don’t know how to grow up. Quick story of how I met my wife here.
I was born and raised in Australia, and moved to the US when I was 22. This means I have a hybrid Aussie/US accent that’s sometimes hard for people to understand. If you want to hear what I sound like, I was recently on the How To Money Podcast, Episode 154!
My work career has mostly been in sales. While very lucrative and interesting, I’m not sure if it’s the line of work I want to be in forever. So, in early 2018 I left my last sales job to take a sabbatical and explore other options. I’m now freelancing, traveling, volunteering, and blogging! As for personal hobbies, I love surfing, brewing beer, and riding my motorbike.
My current financial situation is best described as “Coast FIRE.” Basically, my wife and I have accumulated enough assets that, if left alone, will continue to grow and get us to financial independence within probably 5-7 years. As long as we don’t withdraw from our portfolio, reaching FI is inevitable.
For me, Budgets Are Sexy has always been about the community. Sharing cool ideas, sharing lessons learned, and making money a FUN topic to talk about! I believe everyone’s path to financial independence is slightly different, and I’m excited to share more about mine. And learn about yours!
Joel is a 35 y/o Aussie living in Los Angeles and the guy behind 5amjoel.com. He loves waking up early, finding ways to be more efficient with time and money, and sharing what he learns with others. Rise Early | Retire Early!