You may be a money nerd, if…

by J. Money -

fanguard mug

You may be a money nerd, if…

  • You track 2 different versions of your net worth
  • You fund a college savings account – even though you don’t have any kids yet
  • You own 3x more credit cards than you do shirts, because #TravelHacking
  • You have a calendar item set up to check your credit report annually
  • You go to FinCon every year – even though you don’t have a blog
  • Your mug collection boasts of spreadsheets, budgeting, or Vanguard
  • You get more heated debating whether the RE belongs in FIRE than you do with politics!
  • You love talking about backdoor roths, even though you don’t fully understand it ;)
  • You’d rather stay in budgeting on a Friday night than go out partying because OMG WHY WOULD YOU SPEND $7.00 ON A BEER WHEN YOU COULD GET 6 FOR THAT PRICE AT COSTCO?!
  • You have over 100,000 miles on your vehicle and you’re proud of it
  • You get more turned on being debt-free than pants-free (hubba hubba)
  • You have a very strong opinion on whether Dave Ramsey is good or not (He’s good!!)
  • (You know who Dave Ramsey actually is)
  • You know just when to call up Comcast and get your bill back lowered again
  • You have a monthly competition with your spouse on who can beat each other’s credit score
  • You’ve pre-selected, and paid for, your future burial spot already
  • You haggle at stores as if they were yard sales
  • You have stickers on your laptop that say things like “Frugal ≠ Cheap” and “Set your life on FIRE
  • And you know that carrying around an umbrella is more than just for the rain

Nerd on!

{ 26 comments… read them below or add one }

1 Kate December 6, 2019 at 5:50 am

I paid £4 for a kombucha in a pub last month that cost £1.60 in the supermarket. I don’t think I’ve been out since!

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2 J. Money December 6, 2019 at 9:30 am

You nerd, you!!

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3 Jody December 6, 2019 at 7:06 am

WHERE CAN I GET THE MUG???

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4 J. Money December 6, 2019 at 9:32 am

Hit up Vanguard on Twitter and see if they’re still giving them out!

https://twitter.com/Vanguard_Group

(use the hashtag #fanguard too as it was part of their latest campaign)

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5 LeeAnne December 6, 2019 at 7:12 am

J, thanks for starting off my Friday with a chuckle! Much needed after the crazy week I’m having. After reading this list, I’ve determined I’m part money need – but there are a few more nerdy levels/items I want to achieve. Have a great weekend!!

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6 J. Money December 6, 2019 at 9:34 am

You too, LeeAnne! Glad I didn’t bring any more chaos into your life ;)

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7 Andrea December 6, 2019 at 10:10 am

You may be a money nerd if……

You buy all of your kitchen wrap at estate sales???? MUCH cheaper to buy (SEALED) tin foil and plastic wraps for $1 at an estate sale rather than $$$ at the grocery!

Morbid?? Too cheap?? Money nerds beg to differ……

Happy Friday!!

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8 J. Money December 6, 2019 at 1:39 pm

Haha I could get down with that! After all half our kids’ toys and furniture comes from yard sales :)

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9 JoeHx December 6, 2019 at 10:43 am

2 different versions of your net worth? like with and without asset liabilities such as house, car, etc?

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10 J. Money December 6, 2019 at 1:40 pm

Yep! Or liquid vs illiquid or pensions vs no pensions or tax advantaged vs non-tax advantaged. The lists are endless! And I’ve heard of all kinds of variations over the years :)

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11 Patrick December 6, 2019 at 10:43 am

Touché!

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12 J. Money December 6, 2019 at 1:41 pm

You score high, I presume? :)

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13 Chris @ Mindful Explorer December 6, 2019 at 11:14 am

Well I have some of those :)
One of the biggest savers for me on that list has been learning to buy used vehicles and keep them for a long time.

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14 J. Money December 6, 2019 at 1:42 pm

That certainly helps! Especially if you’re one who always worries about scratches and dents and such too… Probably one of the main reasons I’d hate to have a new car – I’d be too anxious all the time! :) Give me a ride full of character so it doesn’t matter, haha…

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15 Alaska49ak December 6, 2019 at 2:13 pm

……You give your car a name and add parts to it like Frankenstein…instead of buying new, and blog about it.

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16 J. Money December 9, 2019 at 10:53 am

Much more fun if you ask me ;)

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17 MsTJ December 6, 2019 at 2:40 pm

When I saw the title wasn’t sure I would qualify as a money nerd. Then I read the article. I’m a money nerd. How did you know I track my net worth in two separate places, for cross verification? I have a hard time accepting my progress sometimes. Since finding FI my net worth has gone up quite a bit. Most everything else matches also. Don’t go to fincon, yet. Still not willing to spend the money.

Thanks for the smile today.

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18 J. Money December 9, 2019 at 10:54 am

Welcome to the club :)

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19 Kellie @ Big Style Finance December 6, 2019 at 3:25 pm

Lol! I identify with more of those than I’m willing to admit.

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20 J. Money December 9, 2019 at 10:54 am

I think you need to blast it far and wide by putting it on your blog too :)

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21 Bobby December 6, 2019 at 4:53 pm

Dam right! I hate too even think using my debit card anymore. Im really focused on using cash for everything anymore. Im saving alot more money than ever. I love my spreadsheet budget also. ;)

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22 J. Money December 9, 2019 at 10:55 am

Congrats! Wallets are never the same once they get hooked on $$$ blogs :)

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23 Tonya December 7, 2019 at 7:53 pm

I blame staying home on New Year’s Eve on the fact that I have a 6 year old. But really, nothing is more exciting to me on NYE than opening a spreadsheet and planning the next year’s financial goals before midnight. #moneynerd #partyanimal

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24 J. Money December 9, 2019 at 10:56 am

HAH!!!!

You’re the Mayor of Nerdville!! ;)

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25 Paul Curley December 9, 2019 at 11:31 am

Ha, great list J Money. Thank you for creating and sharing!

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26 J. Money December 9, 2019 at 3:55 pm

Glad you liked, sir!

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