You know you’re obsessed with personal finance when…

I’ve done this once before, and I thought would be worth doing again. You ever heard a joke like “You know you’re a redneck when…

…You own a home that is mobile and 5 cars that aren’t.

…You think a 401K is your mother-in law’s bra size

…The biggest city you’ve ever been to is Wal-Mart.

You know what I’m talking about? Alright, good. Let’s take that joke style and make it relevant to personal finance. Is this a little juvenile? Probably. But if you were looking for a boring blog you should have gone here (click that link for a gem of a blog). I like to keep things fun, so today we are gonna keep things lighthearted. Here’s what I came up with:

You know you’re a PFer when…

…you track your finances with a spreadsheet, Mint, and Quicken.

…you spend more time at work reading PF blogs than actually working

…someone asks you for a Bible and you give them a Dave Ramsey book


…you have more bank accounts than pairs of underwear

Alright dudes and dudettes, that’s all I could conjure up. How about you? Drop your “You know you’re a PFer when….” in the comments below!!!

13 thoughts on “You know you’re obsessed with personal finance when…”

  1. … you know the amount of last cash purchase you made, down to the cent, because you need to put it in your PF tracking system ASAP before you forget it if they didn’t give you a receipt.
    … you can explain the difference between debit/credit card swipe fees and between 401k/Roth IRA accounts to your friends.
    … you calculate the possible impacts of year-end income tax law changes and benefit changes for the next year, then compare with the first paystub of the new year to see if you got it right.

  2. lols, that one about PF blogs at work isn’t too bad hehe

    You know you’re a PFer when…

    …your eyes pop out of your head any time someone mentions how much they spend on any expense item.

    …you keep an active countdown of how long it’ll be until you’re FI.

    …you don’t automatically think “65” when someone says the word “retired”.

    … and that’s all I got.

  3. When you recommend that your sibling open a 529 or equivalent for their 6 month old because buying baby clothes sucks.

    When you research the priority of investment accounts for high income earners, then correct withdrawal order, and send out to your coworkers unsolicited.

    When you tell your grandma you are not participating in the gift exchange this year because buying unwanted crap to trade around is wasteful.

    Only filling gas in Missouri when you live in Kansas because it is 9 cents cheaper per gallon.

    These are all things i have done this week…haha

  4. I love the one about bank accounts, I have so many! And I love it!

    …all your friends go to you for financial advice.

    …you’re at a party and u somehow bring up mortgage rates naturally in a conversation.

    …during sex you calculate compound interests to, u know, last longer. Guys u know what I’m talkin about.

    …you get excited about things that won’t happen for another twenty years.

    …the whole month is just filler before u can calculate your net worth again.

    I think that’s enough… FOR NOW!

  5. @Zach—I am totally with you on the bringing up mortgage rates naturally in a conversation. I do that, but it happens with anything financial…Roth IRAs, emergency funds, stocks, investing.

    Blog posts like these make me so happy that there are people out there like me! 🙂

  6. . . . you lie awake at night thinking of witty ripostes to bloggers you disagree with.
    . . . you pay off your credit card as soon as you charge each purchase.
    . . . you update your spreadsheet when your checking account earns $.23 in interest.
    . . . your idea of a hot Saturday night date is to stay at home watching Suze Orman.
    . . . you check Punchdebtintheface on waking each morning.

    • I do have to say, I like watching Gail Vaz-Oxlade’s Princess or ‘Till Debt shows after Suze Orman. It makes me feel better about myself that I’m not spending 8 times my income. And since they’re made by a Canadian network, there’s no way to watch them online or anything.

      • Yeah, but do you walk around the mall on a Sunday afternoon and whenever you see someone buying a big-ticket item like a computer or TV, run up behind them and yell, “DENIED!!!!!!!!!!!!!”

        (I don’t either.)

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