Miel: I’ve always had some sort of piggy bank my entire life.

My first piggy bank was porcelain and told a story of Peter Rabbit in the brier patch. A few years later it was followed by a large clown bank. Both were twins in fact, matching sets for my sister and me to drop our coins into. We were so small and we couldn’t have lifted them had they been full!

Now that I’m older, I use excel and ING to track my money, but I still drop my change into our fish bowl at the head of our bed. Some habits never change. Looking back I can’t remember exactly what I might have been saving for, but I’m certain I was dreaming big.

– Our Change fishbowl –

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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Net Worth Template

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