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Clever Dude


  • Wow! What a fabulous post! I’m a BIG believer in setting goals… 2 years ago, paying off 10K in a year seemed HUGE… 1 year ago, saving 20K seemed HUGE… and now I’m trying to save 40K+! It’s amazing how living “intentionally” with a plan can help create focus, determination, and a better future…
    Keep it up…
    Rather “clever” if I do say so… 🙂

  • NCN, I was actually going to mention your article in which you mentioned your 5, 10 and 20 (or 25?) year goal setting strategy. However, I wrote this close to midnight last night and was pretty groggy, so I left it out.

    Hey everyone, go check out NCN’s site! 🙂

  • This is a great post. Just great. Thanks for writing it!

    And yes, the thought of debt is ruling my life. And yes, I pay all my bills on time. lol

    What a great post. I’ll have to poke around and read more bits and pieces of your financial plans and stuff like that. 🙂


  • I have never been good with goals. I’m sure I probably need them, but I can never sit down and set a goal for myself (much less, my family). And the kicker of this problem is that I have no debt. None, zilch, nada. The cars are paid off, we rent (but will be buying shortly), and put a few hundred on a credit card, but that get’s paid off every month – before the bill comes.

    Here’s the problem though,.. I don’t save. At least as much as I should. I max my 401k matching and contribute $50/month to a Roth IRA. But I can’t get myself to save any more,.. so I feel like I’m in a standstill.

    I need to learn to set goals,.. but it’s just not me.

  • Man, this post really hit home. I am the same way. I have about 1/2 your debt but I know that feeling of having debt hang over you. I am not late on any of my bills and am making a small dent in the total debt but I have alot left.

  • Rob, perhaps you need to find a purpose in life. No, seriously, what do you really want to do? Children, more education, early retirement, working for a non-profit, etc.? Find what really drives you and save towards that. If you want to take a job that you’ll love, but it pays little, save up so you can take that job.

  • Yeah,.. you’re right. Actually I need to read “The Purpose Driven Life” first. It’s on my shelf just collecting dust. You sound like you may have read it yourself.

    Well my wife and I are about to make some major life changes (she’s graduating, we’re likely moving, buying a house, probably changing jobs – again, and getting ready to have kids) all in the next year. So maybe I’ll wait until this boat stops rockin’.

  • I always think about debt. I just saved $1.12 on gas by signing up for this FREE rewards program at the gas station I frequent quite a bit, and was thrilled to bits.

    My husband said: It’s only $1.12, don’t get your knickers in a knot..

    And I said: It’s still $1.12! And $1.12 closer to us being debt free in 2 years. 🙂

    It constantly hangs over me, but I try not to let it control my life. I don’t want to become an old lady who steals Splenda, ketchup or tissue paper from restaurants….

    But back to your original question – my short-term goal is to clear my debt in 2 years, my long-term is to buy a house by the time I hit 30 in a cheaper area with lower cost of living, and become a millionaire by 45, 50 tops, and retire at 65 as a multi-millionaire 🙂

  • I find it much easier to accomplish what I want when I:
    1. Create a vision
    2. Set goals
    3. Outline a plan using small steps
    4. Share my goals and desires with supportive people
    5. Look for the positives everyday, starting today (don’t wait until you’ve reached your goals to be happy!). Law of attraction works here.

    Sounds like you’re on the right track, Clever Dude; keep it up!

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  • Until you have $112,890 (or more) in total non-mortgage debt, then you really just don’t know how bad it feels.

    I disagree. I think “how bad it feels” is a function of your total non-mortgage debt relative to your disposable income.

    My debt is far, far less than $112,890. BUT I earn minimum wage, which means that almost all of my net income just covers the most basic living expenses – leaving little to be applied toward debt. How bad does THAT feel?

  • hmm, reading your post made me realize that I don’t really have any plans/goals about what comes next, besides paying off my student loans. And I agree, I’m not struggling to pay them off, I just know it’s going to take a while. But it does sort of overwhelm my thinking…I don’t plan so much about what’s next (like the possibility of going back to school, or what my career goals are.) Thanks for reminding me that I probably should be planning things!

  • HEY! I live in state college! This is a GREAT town to live in (assuming you don’t mind traveling to phila, or pgh if you want to go to “the city”). The area has changed and grown alot in the past couple years. If you have any specific questions or concerns about the area, feel free to shoot me an email.

  • […] Clever Dude asks a very important question on his website – is the thought of debt ruining your life? Yes you may have debt, but are you paying your bills every month on time? Do you have creditors calling? Have you had to sell anything to pay a bill? If not, your situation may not be as bad as you imagine in your head. […]

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