30 Day Detox

I’m doing a 30 day detox starting January 1st if you would like to join me. The program is based on Dr. Kelly Brogan‘s protocol.  I will be giving recipes and more instructions leading up to our start.

Here’s the 30 day detox in a nutshell:

What to drink:

Nothing but pure filtered water. (NOT tap water)

No coffee, tea, alcohol, soda or fruit drinks of any kind – you may have to wean yourself off caffeine the week prior to beginning the cleanse.

Start your day with 2 glasses of water (add sea salt, organic apple cider vinegar and lemon if you’d like) then drink a full glass between meals

What to eat:

The following items can be consumed liberally:

  • Treats: honey – try to make it local and raw, dark chocolate, pure maple syrup, fruit
  • Healthy fats: organic virgin coconut oil, red palm oil, grass-fed and organic or pasture-fed and ghee, flax oil, macadamia nut oil, avocado, coconut, olives, nuts and nut butters, lard, tallow, and seeds, flax seeds sunflower seeds pumpkin seeds sesame seeds, chia seeds.
  • Herbs seasonings and condiments, there are virtually no restrictions on herbs and Seasonings so long as they are fresh, organic and free of dyes in artificial colorings. Toss out your ketchup and any condiments laced with gluten, soy, and sugar or that’s been processed in a plant with wheat and soy. It’s fine to enjoy mustard, horseradish, tapenade, guacamole, and salsa if they are free of processed ingredients.
  • Whole fruits and vegetables,
  • Protein, whole pastured eggs, Wildfish, shellfish and mollusks, grass-fed meat, foul, poultry, and Fork, Wild game

What to avoid:

All gluten and dairy (I know, I can hear the groans now, nothing sends me running to indulge in milk and cookies like the thought of going gluten and dairy free, but it’s only for 30 days. We can do it!

Avoid most forms of sugar

Unhealthy fats – processed vegetable oils

White rice, white potatoes, corn and beans. These foods can be reintroduced after the 30 days.

What this cleanse is not: I’m not going to post a bunch of substitute recipes, like how to make a gluten-free pizza crust from ground up-cauliflower. Gross. We are going to stick with the basics. Simple recipes to make your life easier, not more complicated.

I will post recipes, tips, and encouragement before and during the 30 days. I’ll post the exact plan for four weeks in December, and then repeat those posts as we do the program in January.

If you are interested, please watch this 35 minute interview with Dr. Kelly Brogan, it is what got me interested in looking into her work. https://www.youtube.com/watch?v=-U4Hprs8QPs

How much should I put away?

 “It’s not about how much money you make, it’s about how much money you keep”. Said every financial book I’ve ever read.

You must put money away. Let me repeat this: You must save money. This is not optional. Saving money is one of the best ways you can become independent and able to care for yourself and others.

So, how much money should you save? Well, you should save 10% at the very least. If you’re not doing this, you need to get right with your money and start right away.

Here are some real things people have said to me that scare the daylights out of me:

This is someone who went into retirement, then entered the workforce again: “We made a lot of money, but we spent it all.”

This is someone in his 30s who makes good money in the tech field: “I keep getting raises, but we never seem to have more money.”

Does it sound impossible to save 10%? What about saving half of your money? There is a whole movement online of folks who are doing it.

For your enjoyment, please check out:

https://www.mrmoneymustache.com/

https://www.madfientist.com/

https://www.biggerpockets.com/

https://www.youtube.com/user/MikeAndLaurenTV

https://www.coachcarson.com/

And for more light reading, please check out:

Rich Dad, Poor Dad by Robert Kiyosaki. This is the first financial literacy book I read, and it lit a fire under me, and I’ve been reading, and planning, and saving ever since.

And The Millionaire Teacher, The nine rules to wealth you should have learned in school. By Andrew Hallam. This is the second book I read, and is just as exciting. Hallam talks about how he became a millionaire on a teacher’s salary. 

There are many more where that came from. These are just a few of my faves.

It can be done folks. It just takes a little will power and creativity.

**I may or may not like the subject of personal finance. Just sayin’

Adulting – A lesson for teenagers

To the young people in my life and yours:

What do you think your youth is for? Is it just for having fun and seeing how much money you can get from your parents?

No, it is practice time. What are you practicing? Becoming an adult. What do you see the adults in your life doing? Do they sit around all day and play video games, or wait for someone to tell them what to do?

No, they work, take action, make decisions,  yard work, grocery shop, and pay bills. And of course, they have fun too. They take breaks, and vacations, and sit to read or play a video game with you.

So, I ask you, I beg you, please, keep your areas clean, learn how to cook and care for things. Garden. Learn skills, so that when you cross into adulthood, you can just keep walking at the same pace you have been, and adulthood doesn’t sink you like a coastal storm.

Practice, young padawan, practice.

You might be a type A personality if…

Someone’s ever said to you, “I’ve heard your kind of hardcore.”

You’ve heard yourself say, “I try to be laid back”

You return from vacation to work, things don’t piss you off as easily, and you think, “Oh, maybe vacation is useful.”

You work 16 hour days 7 days a week, and think, I can do this forever.

A friend says of someone else, “She runs until she makes herself throw up, can you believe that?!” And you think, I get it, just a little bit. I get it.

You have to train yourself how to relax and enjoy downtime and social situations that have no purpose.

You work out as hard as you can, so that you’re not as hardcore with the people in your life. You’re in a group exercise class and the teacher tells you that you’re going to do Sprint intervals, and as you’re doing them, the other members of the class comment that you’re really sprinting, and you say, “I thought that’s what we were supposed to do”. But then the others pick it up.

You don’t let your kindergartener play outside with friends after school because, “There are things to get done”.

You’ve argued with your high school English teacher to raise your grade from an A- to an A. You don’t read Battle Hymn of the Tiger Mom because you think, “I’m already the most up-tight mom I know.

Here’s the video version of this post if you’d rather:

You might be a Type A personality if…

What I wished I Known before I bought a house

 “Asking your mortgage broker how much you qualify for a home mortgage is like asking a fox to count how many chickens are in your chicken coop.” The Millionaire Next Door, Thomas J. Stanley and William D. Danko (not an exact quote)

I’ve had this experience. We bought our first home in 2004, 4 months before our oldest was born. We were not in the midst of the housing crisis that rolled to a boil in 2008, but we were leading up to it. The home we bought was too expensive for us. But it was a very cute house and we thought we were living the American dream. The bank was willing to lend us way more money than we could afford. I knew very little about finances at the time, and I was still shocked at what the bank was suggesting we could afford as our monthly payment. But we bought the house, with the advice and expectation that we would earn more in the future. Which we did, and we were OK, but we were house-poor, meaning, all of our income went to our mortgage payment. We didn’t have money for anything extra or to save for home repairs and emergencies.

Since then, I’ve learned a few things. Here is my advice for what you should consider when looking at buying your first, or subsequent houses:

  • Put away 5-10% of the mortgage every month for repairs. I got this advice from researching rental property purchases, and I think it is a good practice from home owners too.
  • General rule of thumb for you to not struggle is for your mortgage to be around 28% of your gross (pre-tax) income. This will leave you money for saving, repairs, food, and fun.
  • Look at the roof line, are you going to be able to climb up there and clean the gutters? Are you going to have to buy a new ladder in order to do that?
  • How big is the yard, do you have the time and desire to care for the yard? Or have the income to hire out?
  • When it comes time to paint, will you be able to do it yourself?
  • You have to consider whether you will be able to maintain the property yourself, or if you have the income to pay someone else to take care of it.

When someone uses words like “The American Dream,” get suspicious and seriously consider that you might be getting sold. Is this your dream? Or is it someone else’s?

Yes, homes create security, and I am grateful for mine. But I’m also grateful for everything I’ve learned about houses being liabilities, not assets.

Here’s my advice: Don’t get into a mortgage payment that takes all your resources. The banks want the loan. Don’t buy “as much house as you can”. I know, houses are getting bigger and bigger. We don’t need that much space, it is just more house to clean.

Another reason not to buy a house that takes all your resources is that it won’t only consume your financial resources. It will also consume your time because you will have to continue to work to make the payments, upkeep and repairs.

As home prices rise, I know people who are worried that they will never be able to afford a home. But there are options and alternatives. These alternatives are not sexy, but they are doable and will help create a secure future where you can invest your money and your time  where you like instead of being chained down by a mortgage. Some of these options include:

  • Buy a smaller house in an older neighborhood
  • If you are handy, buy houses that need repairs, live in them while you rehab and sell them for a profit. You can keep this as low key as you want
  • Build a tiny house
  • Live with family and help pay the mortgage or split the rent
  • Buy a house and rent out rooms
  • Rent and save

What is the purpose of getting a job?

Work to learn, not to earn. Robert Kiyosaki, Rich Dad, Poor Dad

As your kids approach their money earning years, ask your kids this question and get their ideas: What is the purpose of getting a job?

They’re going to say money. But I want to teach my kids that the purpose of getting a job is first to learn.

What skills can a teenager learn at their first job?

Punctuality

Hard Work

Cashiering

Math – Counting Money

Customer Service

Team work

As a bonus, watch what Olivia LeGasbi has to say about what she learned at work.

What are skills young adults can learn as they move into their first career jobs?

Learn how to make money for a company, this can include customer service, sales, upselling a product. Look at this as a learning opportunity and job security. This is such a valuable skill. Believe me, if you learn how to make money for the company you work for, this will translate directly into you knowing how to make money for yourself. Be responsible at work, ask for more responsibility, and then come through. When you are ready to move on from this job, so that you can learn even more at your next job, your boss will be so sad to see you leave.