The Long Game

I pulled a shirt out of the wash the other day. It was one I’d bought for Junior ThreeYear, many years ago, from our elementary school in New Hampshire. You could have the shirt personalized, so on the back I’d had our last name printed.

Now Little ThreeYear is wearing the shirt, and because I’d put our last name on the back, it doesn’t feel as much like a hand-me-down from his brother.

I realized, while looking at the shirt, that I’ve gotten in the habit of thinking very long term in my life. For example, I put our last name on the back of the shirt because I knew it would be used by both boys. When I buy clothes I think about if they’ll last for both my kids, because I’ve always played the long game with the kids’ clothing.

The long game.

According to my highly-unscientific Google search, the term is British, and comes from whist , a card game popular in the 1800s that, because of its length, was shortened. Therefore, you had the original long game and the shortened, or short game. Americans will claim the term comes from American football and the idea of advancing by throwing the ball down the field.

The term has now changed, of course, to mean a strategy of considering the longer-term consequences of your actions. For example, had I played the short game with the boys’ tee-shirt, it would inevitably be relegated to the back of the drawer since my younger son would not wear a shirt with his brother’s name on the back. His last name is much cooler.

Playing the short game isn’t all bad, of course. Sometimes, we need to make decisions for our short-term health or wealth. There are times when driving through the McDonald’s line stopped a melt-down with my kids. Not thinking about long-term health consequences in that moment, let me tell you. I could argue that Mr. ThreeYear and I made a short-term decision when we bought our house. We needed a place to live and work and didn’t take the time to think through the long-term ramifications of our home purchase.

Still, in our fast-paced world, financial bloggers are known for being long-term thinkers. Especially in our money lives, we plan for years in advance.

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The Real Cost of Hustling

Yesterday I was reading a millionaire interview on ESI, and the author of the interview, who is 35 and has two kids, wrote:

I didn’t start hustling until 2015 when my first child was born. I started driving for Uber after the child went to bed. I saved everything from that to build their 529. I continued until the 2nd came along and did the same but just ran out of energy to continue.

As for work/life balance, he wrote:

It’s ok right now as I don’t mind working until 6 pm. But since children entered the picture it has been difficult to complete the work needed and take care of the kids every night. Honestly I should probably be working on the weekends to keep up with my work.

Couple that comment with the fact that this weekend, Mr. ThreeYear and I watched Playing with FIRE, the documentary about Scott and Taylor Riekens. This couple embraced the FIRE movement and created a documentary about the experience (I got a link from Ally Bank to watch it for free so I was pretty stoked). There were several FIRE adherents featured, and one was a couple of teachers who talked about how much they hustled to earn extra money to retire early. They worked evenings, weekends, and summers–basically anytime they had free time– to supplement their incomes.

I didn’t think about these two comments again until yesterday when I was in my car, going to pick up my older son from school. His bus was late and it was raining, so he contacted me and asked me to please come get him.

For some reason, as I drove to pick him up, I started thinking about these two comments, and I got extraordinarily annoyed by the pervasive idea that hustling is such a great thing.

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Holiday Gift-Giving Guide

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Wow, the holiday season is upon us. Every year, it sneaks up on me, regrettably. I know I need to up my planning game, and maybe start thinking about Christmas gifts earlier than, say, December 1st. This is never more so than this year, since I’ve been working full time and haven’t been planning ahead very well.

If you’re like me and need some last minute Christmas gifts, I thought I’d republish my gift-giving guide from last year. Yes, all the gifts are the same as last year, but they were great options then and they are now! Everything is under $20, to boot! So take a peak, and cross everyone off your list. 🙂

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What I Wish I Knew Then About FIRE: Guest Post on Costa Rica FIRE

Ahh, hindsight. Most always 20/20, it is the perspective gleaned from missteps and mistakes made.

We can’t change the past, no matter how much we’d like to, so our ancient mistakes can only serve as a guide in our present lives.

That’s the idea behind Scott and Caroline’s post. The couple, now empty nesters who I first profiled on the blog here in my Your Three Year Experience series, write about crafting a life you love, living in multiple places, and traveling. They reached out to lots of financial bloggers, me included, with the question, “What do you know now about FIRE that you wished you knew when you started?” In other words, what would you have done differently in your pursuit of financial independence/retiring early?

For our family, where retiring early has never been a primary goal, I had to think about the question under the framework of decisions we made that would have impacted our lives differently.

Certainly moving to New Hampshire in 2010 was a decision that we debated. Just before Mr. ThreeYear accepted the job with his company there, his company in Atlanta offered him a really great deal to stay. If we had stayed in Atlanta, our lives would have looked so different. What choices would we have made? Would we be as financially solid as we are now? Would our health and well-being have suffered as a result of Mr. ThreeYear staying in a stressful work environment?

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