In a number of posts you will see me using the pronoun “I” a lot instead of “we.” Now that may be a bit odd considering I am happily married and consider my assets to not only be my assets, but OUR assets. I primarily use the word “I” instead of “we” for a couple of reasons. First, this blog really is about my journey through personal finance, trying to pay off debt, tackle a variety of issues, and in general talk about the subject of money. Mrs. Reaching Our Balance hates talking about money. She doesn’t find interest or excitement in talking about different investment types, paying down debt, the benefits of 15 year vs. a 30 year mortgage, etc. My wife is fully aware of our financial situation. There is total transparency in our relationship. She knows how much money is in our checking accounts, investments, mortgages, life insurance, etc. She has access to all of the same information I have, but she prefers not to discuss it as much. We do talk a little bit about money, but certainly not to the depth I do in this blog. Second, this blog actually was Mrs. ROB’s idea. Frankly, she got tired of me posting articles on Facebook, talking about this subject with others and supports my idea of using a blog as my outlet for discussing financial issues that interest me. Finally, my wife wants to keep some financial information private. She does not care to discuss nor wants the world to know what kind of debt (if any) she has or what kinds of decisions she makes with buying a car or toilet paper or whatever.
This also comes down to our philosophies on money. Frankly, Mrs. ROB and I have different philosophies. We both are working toward the same goal, but do it in a different amount of time and have a different path to get there. For some people in relationships that doesn’t work. For us it does. But like any relationship we are constantly negotiating different aspects of our lives. There is no right or wrong answer for others (although I do think there are better practices than others). That is why it is personal finance. What works for one, doesn’t work for all. I don’t have a problem mentioning my desires to pay off debt, the mortgage, and accumulating an investment portfolio. At this moment, Mrs. ROB does not have a desire to discuss those issues publicly and I respect that.