• Ryan’s 100 mile update: The importance of building a strong base of fitness

    As mentioned on a previous blog post I am running the Surf the Murph 100 mile race in October. As I prepare to take on this challenge, I will be providing monthly updates on my progress. This is as much to hold me accountable to my training as it is for anything else, but I’m hoping others find this interesting and maybe inspirational as well. This month I want to discuss the importance of building a strong base of fitness when starting a running program. I’m not a coach or expert but I believe building up a strong base is important in order to create sustainable success in a pursuit…

  • Even the best plans need room for adjustment

    We had a great financial plan for the first half of 2019. Or so we thought. After aggressively paying off debt through early March, we finally paid off everything except for our first mortgage! It felt great! Our next step was to put all of our monthly excess cash flow into replenishing our emergency fund which we depleted in order to pay off the debt fast. Unfortunately things didn’t go as planned… The issues arise As anyone who lived through winter in Minnesota this year knows, we had an incredible amount of snow throughout February and early March. Following that we had a bunch of rain in mid March as…

  • Ryan’s 100 Mile Update: Napa Valley Marathon & goal setting

    As mentioned on a previous blog post I am running the Surf the Murph 100 mile race in October. As I prepare to take on this challenge, I will be providing monthly updates on my progress. This is as much to hold me accountable to my training as it is for anything else, but I’m hoping others find this interesting and maybe inspirational as well. I will also be mixing in some advice on goal setting I’ve learned over the years for running and exercise that I hope will be useful for anyone interested in starting or continuing an exercise routine. February was a rough month for outdoor training in…

  • Every home purchase should be viewed as a “forever” home

    This post is brought to you by Ryan. I had a weekend of yoga teacher training so I haven’t had a chance to write a post yet. I will give a recap on my yoga weekend on Wednesday’s post, but for now, enjoy Ryan’s post about home buying that will not be popular with real estate agents 🙂 Back in 2006, I was fresh out of college and beginning my career and I really wanted a house.  I thought this was the logical next step most people take since some of my friends and colleagues were buying houses (little did I know, the average age for a first time buyer…

  • Our debt journey: how we paid off over $100K in debt over the past 3 years

    This post is brought to you by Ryan 🙂 On one of my previous posts I wrote about how living a healthy financial life creates “optionality”. One tip I had for living healthier financially is to limit fixed expenses as much as possible. The most obvious fixed expense are debt payments. We have been working very hard to get out of debt over the past few years so I wanted to share our story so you can understand how we got there and hopefully to inspire others to pay off debt as well. By our mid-20s, we managed to accumulate a significant amount of debt. For better or worse, I…

  • Ryan’s January 100 mile update (Part 2): The training and racing plan

    As mentioned on a previous blog post I am running the Surf the Murph 100 mile race in October. As I prepare to take on this challenge, I will be providing monthly updates on my progress. This is as much to hold me accountable to my training as it is for anything else, but I’m hoping others find this interesting and maybe inspirational as well. I will also be mixing in some advice I’ve learned over the years on running and exercise that I hope will be useful for anyone interested in starting or continuing an exercise program. This is part 2 of the January update. In case you missed…

  • Ryan’s January 100 mile update (Part 1): Why run 100 miles?

    As mentioned on a previous blog post I am running the Surf the Murph 100 mile race in October. As I prepare to take on this challenge, I will be providing monthly updates on my progress. This is as much to hold me accountable to my training as it is for anything else, but I’m hoping others find this interesting and maybe inspirational as well. I will also be mixing in some advice I’ve learned over the years on running and exercise that I hope will be useful for anyone interested in starting or continuing an exercise program. This month, I am splitting the update into two parts given the…

  • Optionality is the reward for living a healthy financial life

    Here is another post from Ryan and all about his favorite topic: finance. Saving money is all about delaying gratification today for a (hopefully larger) benefit in the future.  But this is very difficult to do, particularly in our consumption driven culture (almost 70% of the United States GDP growth is driven by consumer spending).  Goals like saving for retirement can seem too abstract because they are so far off and seem so unreachable early in your career.  So let me propose another reason to save and get your financial life in order that is hopefully less abstract and more near term beneficial: optionality. What do I mean by optionality? …

  • How to balance exercise with a busy family life

    Full disclosure everyone: this post is written by Ryan. I figure I would let him write in the blog and share his thoughts and ideas as well 🙂 Everyone is extremely busy and we are no exception.  Between work, family events, and household chores, it can be difficult to find time to get in that daily workout.  However, exercise is incredibly important not just for your health but also your own sanity.  It’s been shown through many studies that exercising is a great way to reduce stress.  That being said, here are 5 tips we use to find that little extra time to exercise: Prioritize exercise: In order to keep…