Ugh, I know…. the ones avoiding debt altogether get screwed with scores because they like seeing lots of action going on! What I’ve just done is left allll my credit lines opened (and jacked the max limits up high so my utilization rates look super good), and then that’s pretty much it. Outside of paying $hit on time and what not… It really is a messed up way of tracking stuff, though of course the only times you need high scores is when you’re about to take on debt (like a house! the biggest one!). I think you should just save it all up and then walk into closing with a briefcase full of cash :) That would be baller.

So….I talked to a mortgage guy at a bank and he pulled my credit. Two of my three scores came back as “not enough current information to calculate a score.” Basically, they zeroed out, he said. I had never heard of this as an outcome of having no lines of credit, loans, etc. I thought the score just kept slowly going down. I have not yet gotten a second opinion….and frankly I may not. Again, blessing in disguise. The third score was 767. My score a year ago was 790. 790 to zero in a year. =0 I’m currently working to establish and maintain healthy lines of credit to get back to (or surpass?!?!) that 790.

The thing that bothers me is I did everything right. In order to get a good mortgage rate, I didn’t open any new lines of credit. This is what I read in every source I checked and the advice everyone gave me – even when I said I didn’t currently HAVE any lines of credit. They said “if anything, that will look good for you. You have no debt!” Apparently not the case?

You’re the third person to mention the pressure of buying a home to me this week – why are people so adamant of pushing this stuff on us?? Weird that you’re not eligible now (though not sure I know what you mean? Like for getting a good/particular mortgage?), but I’m glad you’re feeling relieved :) Nothing wrong with renting AT ALL if that makes you feel more comfortable and secure… Let others live their lives, and we’ll live ours! The world will not end!

After attempting to do my own taxes (hahahaha! Maniacal laugh!), I outsourced them yet again and I’m glad I did, because she found a mistake someone else made on *last* year’s taxes and after we file and amended return, I’m looking at an additional $800 back from Uncle Sam for an overfunded HSA penalty that I shouldn’t have had.

That was the good stuff. Bad stuff: it appears I’m no longer eligible for a mortgage even though I’ve been doing everything right. It’s a blessing in disguise, though. I feel like it freed up my options considerably. I’ve been under a lot of pressure to buy (buy! Buy! BUY!!) and now that I can’t, well…less stress. Shifting my search to a decent, reasonably-priced rental.

Good luck and blessings on the upcoming baby!

Farm land! Very cool! Is your family actually farming on it or renting it out to others? What is that world like?

The funny thing is I was just talking with a friend last night, who does a little more speculative investing than I, who basically did the same thing with Facebook stock. I just stick with my Wealthfront index funds, myself. I know I can’t beat the market (cryptos aside lol).

Depth Year – yes!! Killer article and mentality!

Interestingly enough I actually DO feel like I’m still going down that path since Elite Edge Money is still my only major project going on (and coin collecting my only main hobby), but you’re right that I/we like to dabble around in life despite trying to keep the blinders on :) I feel like if you’re chasing stuff that you’re super interested/passionate about though and don’t *overdo* it (i.e. add stress to your life) then it can still fit in nicely w/ depth years… You can’t just focus on one thing with every waking hour :)

Ugh yeah – people are crazy man… If only they knew how much EASIER it was just to start saving and investing regularly!! They could have all the $$$$ they want if they just start now and stay patient!

I do like that you keep cashing out in waves to lock in initial investment, then profit, etc… Very smart way to do things :)