by Kevin Herrera

I am a developer with a passion for optimizing my personal life.

My Journey into Personal Finance

As a kid, I relied on my dad for everything just as any kid would. I would ask for things but never considered how much it would cost him. He tried to teach me some lesson about money by giving me an allowance but as a kid it never really registered. All I knew is that once a week I would get a few dollars that I could either spend or save.

I remember a time where my dad would suggest that I save the money in an envelope and not touch it. We tried this a few times but I always ended up cashing out when something caught my eye. Eventually I asked him if he could simply deny my requests to cash out and he reluctantly agreed. This went on for a few months and I can imagine how hard it must have been for him to turn down his emotional kid in order to fulfill my request.

Once I wore him down, I cashed out and he didn’t agree to do it again.

As a teen, my wants grew and became more

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