What the Hell, I’ll Just Write a Book

50thThis is a milestone blog post for me. It is officially my 50th blog post. That’s a nice round number and I think that’s worth celebrating by shaking things up.

To that end, I’d like to announce that I’m doing something that is VERY different for me: I’m writing a book!!

I figure there’s no time like the present since I’m unemployed, and I have something to say (in book form, not blog form).

The book is intended to teach recent a college graduate who is about to start her first job how to save for the future and more generally how to manage her personal finances.

You might be saying, “that’s great, but why are you sharing this with me? After all, I finished college decades ago.”

That’s certainly true. My readers to this point are my friends on Facebook, and most of you are aging yuppies. If you have a kid, he’s starting kindergarten not finishing college.

Nevertheless, you still can help!

social media shareI implore you to share this message on Facebook and tweet it out so that anyone who might be interested in this type of book can find me (and vice versa).

While you don’t have children in college you may know someone who does (like your sister or uncle). Even better you know a kid in college now (like a niece or a cousin).

I’ve included the prologue to the book (along with the working title) below.

I’m planning to publish the book by end of June. (Just in time for kids to start their first jobs!)

If you want to follow my journey into becoming the next Ernest Hemingway, minus the alcohol sprees (What the hell! Maybe with the alcohol sprees!!), please subscribe in the link below, through my blog, or send me an email at don@habitengineering.net. Also feel free to like the Habit Engineering Facebook page.

Hemingway, Twain, Austen...Ross?!
Hemingway, Twain, Austen…Ross?!

Thanks for reading and thank you even more for your support.



Prologue – Becoming an Adult 101: How to Start Saving Now

First-JobIf you’re reading this now, you probably got your first job recently.

Congratulations! You’re officially an adult!

Getting your first job is big deal. You should be proud of yourself and deserve to celebrate. But don’t go overboard by partying with bottle service at the modern day equivalent of Studio 54.

It’s awesome that you have a job, but there is no longer such a thing as permanent employment (if there ever was). You only live once, #YOLO, but you have a long life in front of you.

People SkillsJust because you have a job right now doesn’t mean that you’ll have that job tomorrow.

I am living proof that you won’t always have a job because I am writing this book while I am unemployed.

Being out of a job is scary.

When you were a kid your parents probably took care of your basic needs. They gave you a place to live, clothes to wear, food to eat, and more. All of that costs money.

When you’re unemployed you have a bunch of expenses coming in to meet your basic needs, but you don’t know when your next paycheck will arrive. Since you’re an adult you can’t rely on your parents to pay those anymore. You have to pay for all of that stuff yourself. (Unless you’re willing to move back home. Perish the thought!)

Fortunately while you have a job you have the opportunity to save money.

I’m sure you’ve heard about saving money for the future. Your parents probably nag you about that regularly. So much so, that you’re already tired of hearing it. (Hell, your parents might have even purchased this book for you.)

I get that you don’t want to think about saving right now. There’s nothing fun and exciting about saving for the future. In fact, saving money sounds like a giant pain in the ass.

Sorry Erlich but Aviato might go bust
Sorry Erlich but Aviato might go bust

You are probably thinking to yourself right now, “Sure I have my first job, but I barely make enough money to pay rent. How am I going to find money to save without going on the ramen noodle diet?”

I’m writing this book to tell you that’s not true at all.

Saving money may seem overwhelming, but it can be broken down into discrete actions you can take now and can definitely be done on a modest income. Simply put, saving is difficult to start but easy to continue.

Once again, I am living proof that it can happen.

I joined the workforce in the year 2000 with a salary of $45,000. That was respectable, but I certainly wasn’t raking in the dough. In spite of that I’ve amassed a net worth of more than 10X my starting salary in the last 15 years.

And here’s the thing: Squirreling that money away was kind of easy in retrospect. I never felt that I had to make a sacrifice to start (and continue) saving. I had no lifestyle established so there was no palpable thing to give up in order to save.

Growing WealthI’m not saying this to brag. I’m actually really uncomfortable publicly sharing information about my personal finances.

I’m disclosing my financial situation here to get your attention and show you that the time to start saving is NOW not later.

If I hadn’t started saving almost immediately upon joining the workforce I would be in a world of hurt scrambling to find my next job. That would inevitably lead me to take a job I would hate solely for the paycheck.

Mr Smiley
SMILE! (Because I hate my life)

Many other people are in that boat. They wished they had started saving sooner. That might include your parents, which would explain why they are nagging you now. (Seriously, they are doing it out of love.)

Who's the jerk that stole my idea?!
Hey! Who’s the jerk that stole my idea?!

Fortunately I started early. That is allowing me to take my sweet ass time to find a meaningful and fulfilling career.

One way that I find fulfillment is by helping new adults learn how to be responsible with money and make good financial decisions, a.k.a The Ross School of Personal Finances.

That is why I am writing this book now: to teach you how to follow my lead and set yourself up for the future.

I am by no means set for life. I’m under 40 and absolutely need to find another job eventually, but that’s just fact of life.

I still have the freedom to do what I want, when I want, and how I want in spite of being unemployed because I built a financial safety net.

Boiler Room
Look at the smile on my face!

If I can do it, so can you. This book will show you how.

So the next time your parents start nagging you about saving money you can confidently tell you them that you’ve got it covered.

P.S. Congrats again on your first job! Go out and celebrate. You deserve it. But save the dom perignon for your wedding night and have a couple of beers or a glass of wine with your friends tonight instead.


When's the Catalina Wine Mixer?
When’s the Catalina Wine Mixer?


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