Who gives a shit about money?

Hey Red Debted Stepchild readers, I know I’m pretty new to the scene and I just wanted to let you guys know why I’m writing here and what money means to me. Spoiler alert: it doesn’t mean much yet it means so much.

Wait a second, isn’t this supposed to be a personal finance blog? Or at least a blog that pretends to be about personal finance but is actually the yammering of a narcissist with the word “money” thrown in? Either way, it should at least have the façade of giving a shit about money. Right?

As a personal finance blogger and a person, money to me is relatively unimportant. I don’t care for hoarding it or even having a lot of it to buy the big house, the sports car, or designer duds. (Note: I very much like nice things, but I don’t feel the need to have it in excess. That’s why I’m a minimalist.) I don’t aspire to make six figures and even if we never make six figures as a household, it wouldn’t bother me. In fact, if we didn’t have so much debt I would be super content with our current income. (Scratch that. I am super content with our current income, I just wish we weren’t using it all on debt repayment!) I don’t really care to work more to earn more (outside my freelancing work of course because I love it!). I am not in need.

All that being said, money remains an important part of my life. While money doesn’t directly buy happiness, I can’t imagine being this happy without a roof over my head, food in my stomach, and running water. I can’t imagine being this happy without the opportunity to spend money on amazing experiences, both large and small. Money is such a driving force in my life because it not only gives me the means to attain necessities, it also buys me possibilities.

I have a lot of things I want to do in this lifetime, most of which revolve around travel, writing, and spending more time with my loved ones. I want to move overseas for a few years. I want to be able to freelance as my main source of income. I want my future children to really know their parents because they aren’t working 60 hours a week to pay for a house that’s too big. And at the same time, I have no idea what I want to do with my life. Regardless, all of these things can be made possible by using my money in an intelligent and deliberate way.

So that’s why I write here*. Not because I want to document my journey towards millionaire status or because I worship the almighty dollar. I’m just someone who wants give herself the opportunity to live out her dreams. I’m not one hundred percent sure what I want to do with this life yet, but I’m really excited about figuring that out.

I don’t give a shit about money, but I do give a few shits about the possibilities that money allows you to have. What about you guys, why do you care about money and/or what it can do?

*Oh, yeah. I also write here because I’m completely narcissistic and self involved. Hey, if you don’t think you’re the shit, who will?

Emily Gilmore gif



  1. Well said! Money is not the be all and end all to this world. It is just a tool that allows you to do things.

    • Exactly, Brian! I think a lot of people (especially in the PF world) get way too caught up in accumulating more and more money that it just becomes an obsession. It’s just money. It comes and it goes and it is not the most important thing in the world.

  2. I <3 Gilmore Girls!
    I have a love/hate relationship with money. Meh, I mostly hate it. I would love to have enough to pay off my horrible student loan debt but I hate that it mostly all goes to profit, especially when the money was created out of thin air in the first place. I hate being so dependent on money. We work hard to earn it and then we throw it out the window because everything costs money (so much money).

    • I love Gilmore Girls too! So witty :).

      Yeah, student loan debt SUCKS. Debt in general sucks. In my perfect world, all my money would be spent on globe trotting, wine, and dresses. Ah, that’s the life for me!

  3. Right now I think and care way too much about money because I am in such agressive debt repayment mode. It’s exhausting I tell ya!
    P.S. I don’t know what I want to do when I grow up either 😉

    • Debt repayment is not fun! I think I’m going to be confused when it’s over though. What will I do with all my money when it isn’t going to creditors?

      Ugh, who does? So far, I’ve eliminated accountant.

  4. I’ve always said that having money wouldn’t, on its own, make me happy; but that not having it (or having very negative amounts of money in the form of debt) can very easily make me unhappy.

    That said, I’m not unhappy at all now that I have a plan.

    To me, money is nothing but a placeholder. What’s important to me is the time and effort I have to give up to get it and the important-to-me adventures it can help me experience. This is why budgeting and frugal living are so important to me; it lets me prioritize what’s really important and save as much as possible on the lesser things I don’t care so much about.

    Great post!

    • That is very true! Significant lack of money definitely leads to unhappiness. I’m glad you have your spending in line with your priorities :).

      Thanks, Debt Blag!

  5. I don’t care too much about money, but I do desire freedom. Having money tends to translate into having more freedom and more choices. I recently quit my job to pursue my online passions, and I couldn’t have done that without pursuing money the way that I have for the past decade.

  6. You make me chuckle! I love all the gifs and the fact that our TV tastes are apparently completely on-par. I would also like to be a fly on the wall for you to tell clients you “don’t give a shit about money.” It’s a funny thing to hear from an accountant!

    My love of money came from an early association that money = power. I don’t mean it in a scrooge kind of way. Money, if used correctly, means the power to control my work schedule. The power to help my loved ones. The power to give back to my community. The power to really make a difference.

    I wouldn’t say I worship the almighty dollar (otherwise I’d be in a more lucrative field), but I do recognize the influence it holds.

    • That’s a good way to look at it, Powerful Erin! Money is important because of what it can do, but it shouldn’t be anyone’s god/goddess. Hmm, what would a prayer to money sound like? “Our currency, who art in the Federal Reserve…”

  7. I’m interested in money because of what it affords me. Money makes things possible in the world we live in.

  8. In the last year, I’ve heard the following study twice.
    That you’re not very happy with very little money.
    Folks that make $50k/yr are much happier than those that make $20k/yr.
    But as you get above $50k, the amount of happiness doesn’t increase at nearly the same rate.
    Said differently, making $500k/yr won’t make you much happier than making $50k/yr.

    So get to $50k/yr and then focus on LIFE.
    If you make more, great.
    If you make less, that’s ok too.

    • I always thought it was $75k. We make a little over $50k (after taxes) combined and we are happy with that. It just sucks that so much of it is going towards debt! But we are not deprived at all — we aren’t even close to being in survival mode. Thanks for stopping by, Brooks!

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