I’m a a mid-20s female working in the high tech industry. I’m a saver with a good an amazing income for my age and I’m slowly learning how to actually spend money on the things that matter to me. I write this blog because I found a severe shortage of people talking about money in their twenties who have some to work with. We shouldn’t just talk about money when we’re in debt; we should also talk about money to help us figure out how to save it.

Most PF blogs are about how to get out of debt or why you should stop buying coffees every day or bag your lunch. I don’t drink coffee and daily team lunches are important for team building you can still have social lunches and bring your food. I have never had any debt (other than that one month where I made a small typo when making my credit card payment, oops).

On the other hand, my friends don’t want to listen to my stories about scrimping on certain things or the mundane details of my finances. For example, I only pay for a Netflix subscription in the summers when there is no network TV (even though it’s only $10 per month…). I do, at long last, have a smartphone and it’s not the cheapest one or the best deal, but I take great enjoyment out of it and I’m glad I bought it.

I don’t drink alcohol much – my typical bar bill is $10 if it was just for drinks and $25 if it included food – and I have no interest in drinking more alcohol. Happy hour hopping and hangovers aren’t my idea of a good weekend. I’d far rather be out for a walk, playing sports, hanging out with friends, having fun with spreadsheets, reading a book, or cleaning my apartment.

I have a huge crush on math, maxing out my 401(k) and having amassed a $300k net worth at age 25. I’m learning that my high income is a great exercise in how to spend/save six figures each year, balancing needs, wants, and saving/investing. I love the simplicity of index funds. I bought a condo in 2012 and plan to pay it off by the time my mortgage rate resets in 2017.

Favorite products:

  • I do my daily banking at a local credit union with amazing customer service and no fees on the checking account. It also has rewards on the checking account, but it’s not worth my sanity to count my debit card transactions each month.
  • I also love my Charles Schwab checking account though for its reimbursed ATM fees worldwide.
  • I love optimizing, but I also try to optimize efficiently – my favorite credit card is the Fidelity Investment Rewards American Express Card that gives you 2% cashback on everything at merchants that take American Express with no annual fee.
  • I also have a credit card with my credit union (no foreign transaction fees and 1% cash back on a visa, so not a bad base card!) and the Amazon.com visa since for a while, I was doing a lot of shopping on there.
  • I keep most of my savings at Ally, an online bank with rates currently around 0.84%. I don’t earn much interest any more since my savings is now down to only about $20,000 versus the gearing up towards $100,000 it was before I bought my condo.
  • My original mortgage loan was with my credit union, but I did a no-cost refinance it to an online lender with a better interest rate (2.5% 5/1 ARM!).
  • I use Vanguard for all of my investments including my Roth IRA and taxable investments and thankfully my employer has great Vanguard funds in our 401(k) as well. You can’t beat their low fees.

Finances are *personal*. There are so many different ways to do things and still be doing well. Don’t take anything that I say as gospel. How I’m doing things works for me, but it could crash and burn for you. That said, you can learn at the very least another perspective or way to go about things by reading about how I manage my finances.

I hope you enjoy this documentation of my slow journey to wealth and my struggles with spending versus saving.

Good luck in your personal finance adventures and feel free to contact me via email if you have any questions about what you read here or just life in general!

You can reach me via email: leightpf at gmail dot com. I do not accept ANY guest posts or advertising requests. Thank you for not contacting me about those.


34 thoughts on “About

    • Added below the tag cloud on the sidebar! Sorry for the inconvenience. If you’re using Google Reader, you can actually just use the wordpress URL to add a subscription and it’ll usually find the feed.

    • Cool! I actually recently found a friend who does care, which is kind of cool. But I still feel weird using real numbers with someone I know offline.

  1. I found your blog via a post on another blog that I have been reading for quite some time (“Adventures of Sam”) and I was intrigued by the comment you left on the post I read. If you enjoy reading books (I might, though, assume that you have already read them) I might suggest “Rich Dad/Poor Dad” by Robert K and “The Millionaire Next Door” by Dr. Thomas Stanley or maybe even “The Richest Man in Bablyon”. I am looking forward to following your blog and posting rambling comments.

    Thank you for blogging and keep making great things happen,

    P.S.: I agree with your thoughts on sharing the numbers and believe it is more about weaving a story and sharing your victories

    • Thanks for stopping by, Dwight! I did really enjoy The Millionaire Next Door and I’ve also read Millionaire Women Next Door, which was also good.

  2. Hi Leigh. I like your blog and will add you to my list of blogs that I read. You are doing a great job at saving. I’m really going to hold myself accountable more next year and cut out some additional unneeded spending so I have more to invest.

  3. So many embedded spreadsheets on this site. My kind of blog! It’s nice to find a personal finance blog not so focused on debt reduction or frugality. Best of luck with your long term goals.

  4. Wow, congrats on the success thus far! Any chance you’d elaborate a bit more on your job and how you landed such great earning power? I’m intrigued.

    • I work in software at a reasonably large company in a city with a somewhat high cost of living and I’ve worked to build and grow my career.

  5. Hi Leigh, I’ve really enjoyed reading your blog and found it very inspirational. I’m also in my late 20’s and making good money, not quite as good as you, and I’m curious what kind of tech sales you do? I live in Seattle so I imagine whatever kind it is, it’s probably booming here. Feel free to email me if you don’t want to publish it here. I’d like to email seeking some career advice. Thanks!

    • I’m actually not in sales, but on the software writing side. Feel free to email me at leightpf@gmail.com if you’re looking for some more specifics, but I also don’t want to mention where I actually live or too much more specific on where I work. Thanks for dropping by!

      • Cool, thanks for getting back to me. Looks like we are in different industries. Coding for me is like trying to read Chinese, I should probably be working on a little of both. Cheers!

    • Thanks for stopping by! I’m based in a major US city with a reasonably high cost of living. Thanks – I did see that post and it was great! I’m a bit behind where you were at 25 ;) There are so few examples of people saving as aggressively as you did and I have been in their twenties, which is part of why I’m writing this blog! I want to document my journey. The numbers are looking like it’s possible to hit $1 million in net worth by the end of the year I turn 30. We’ll see how the next 5 years unfold though!

  6. I noticed you crossed out the bit about going out to lunch daily. :D

    Was your decision to bag it a health decision or a financial decision?

    • Neither! I didn’t like the stress of deciding what I wanted to eat for lunch while I was hungry :) I’ve been trying to strike a better balance to make going out for lunch more exciting.

  7. Nice blog…you should be very proud of your accomplishment. You’ve done very well for yourself and at such a young age. What a bright future you have ahead of you. Looking forward to seeing your progress.

  8. I just found your blog through an old post of Bridget’s (Money After Graduation) and I’ve really enjoyed reading through your transparent and no-nonsense posts! I have subscribed and look forward to email updates

    • Thanks Angela! I look forward to seeing you around :) Feel free to email me if you have any requests to post – I’m not that creative with posts lately, which is why I’ve mostly just been posting net worth updates…

    • Thanks! I hope to inspire many young people that you don’t have to spend all of your income to lead a happy life and how powerful it can be to have a strong nest egg.

  9. Hi Leigh, I’m a fan of your blog but don’t usually comment and you don’t have to post this but I couldn’t see another way to contact you. You may want to rethink linking to well heeled blog as the original owner gave up the site and the new site is, um not exactly financial or shoe porn but the other kind.

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