Dreaming From Scratch

Living the dream, starting with nothing.

Category : Finances

My Life and Pixar

Last night while I was feeding Elaina for the last time before baby-bedtime, Todd and I watched the beginning of Up. The first time I saw it (in theaters) it brought tears to my eyes. This time was no different, but the tears were for a different reason.

Have you seen the movie? The opening scene contains a montage of a couple’s life. They have a dream of moving to Paradise Falls in South America and building their home – a dream they’ve shared since childhood. Of course, a dream this big takes money – so they start a savings jar.

Carl and Ellie from Up

The ambitious couple.

But then life happens. The jar is smashed open again and again because an urgent expense requires its use. Slowly they grow older, doing the frustrating dance of  “one step forward, two steps back.”

Then she gets sick and passes away. They never made it to their dream. It’s absolutely heartbreaking.

I saw too much of myself in that montage. How do you build toward a big dream without letting everyday life get in the way? How do you keep your sewer from backing up, the branch from falling on your roof, the unexpected medical bill from popping up?

Well, you can’t. Those things will happen.

But our tenants have paid us rent twice now. It feels SO good to have someone else pay our mortgage. Now we want to buy our next property as soon as we can.

We’ve got to change the dance. We need to take three steps forward as fast as we can, so those two steps back don’t erase our progress. Because we’ll never reach our dream land without the finances to keep it running.

The Biggest Change of Our Lives

In the last year, I’ve experienced a lot of big changes. I graduated from college. I moved across the country to a city I’d never been to and started my first professional job. I got married and will give birth to my first child in a few short months. Quite a long way to go in a year.

However, if you asked me what was the biggest life changing event of the last year, I wouldn’t say any of those things. Don’t get me wrong, getting married and having a baby are unbelievably joyful events that mean huge changes in the way my life has been. But the change I’ve undergone has completely rewritten the way my life will be.

I’ve been a typical American consumer with typical entitlement complexes for most of my life. Until one gloomy January day when I sat down to read Dave Ramsey’s book The Total Money Makeover. My husband bought it and asked me to read it with him. This book gave me an intense and unpleasant wake up call to the kind of financial misery my choices were leading me toward. Wow.

Secondly, Robert Kiyosaki’s Rich Dad Poor Dad, also a recommendation of my brilliant husband, made me aware of the financial possibilities that are at my command if I simply learn and take my financial future into my own hands.

These books aren’t perfect. Many times (particularly in Kiyosaki’s book) I found myself rolling my eyes. But I believe the education I’ve gained from them (and will continue to pursue because of their inspiration) will make the life my family leads happy, secure, and successful.

Todd and I have very very rough plan in place that will allow us to fund our dream of owning and working our own land. Both of us see it as inevitably achievable based upon the new path we are forging, starting today.

We’ll keep you updated on how this plan progresses. For now, we’ll just keep on dreaming!