My husband is a special guy. He is currently 29 years old and has $950,000 in total net worth.
Hmm, OK, we’re not that deluded. $50K shy of a $1,000,000 doesn’t make us Rockefellers but I still think it’s a fascinating journey.
We started discussing how we got to this position over lunch today and it seems things tend to work out for him more than you would think. He was able to get rich despite the fact that either of us knew what we were doing half the time. Thank youuuuu Universe.
He’s a semi-functioning person. Hubby’s not very good at conversations or eye contact. He’s very bashful. He is terrible under pressure and he cries easily. He cried during Lion King, RuPaul’s Drag Race, and once a Disney movie with Zac Efron in it!
In addition to that and some other things, he also walks funny. It’s a leg length discrepancy. He is 6 foot tall on one side of his body and 5 foot 11 ¾ on his other side.
God made my heroic, pure, sweet husband a little lopsided.
I told my mom in Chinese that he walks slightly lopsided so she wouldn’t be surprised when she sees him. Months later, when my mom finally met him in person, the first thing she said to him [in Chinese] was:
Where is your wheelchair? My daughter said your legs didn’t work.
Apparently, my Chinese translation isn’t very good…bawawahahahaha.1
I love my guy. He is very boyish. He likes to sings and he likes to dance, randomly. Just like me. He has heaps of other good qualities but for the narration of this post, I won’t mention it just yet because the list would be far, far too long.
Once upon a time…
When Baby Hubby was in his mom’s tummy, he had too much fun doing back flips in there. He tied a knot in his own umbilical cord which cut off his nutritional supply. He was a small, underdeveloped baby. It happens in 1 out of 2,000 deliveries. The doctors approximated damage to be more observant later on. They said he would only grow to be 5’4 in adulthood whereas the rest of his siblings ranged from 5 foot 11 and to 6 foot 3.
That’s not all for the little angel. When Hubby was an infant, he contracted bacteria meningitis, a bad case of it. Had they delayed discovery or hospitalization any later, it would have done further damage to his spinal cord and brain region.
He was hospitalized for a very long time. Hubby taught himself how to walk and run using the IV monitor. He spent his first and second years inside San Francisco’s Children Hospital. The doctors gave a very depressing prognosis on his survival rate initially. Thank goodness he DID survive!!! Although not without scaring his mother off having children forever.
Had he been the first born, I would have stopped having children. – Mom
My husband was the last of the 4 children. From there, you have the typical childhood bumps and scrapes like rocks up the nose, flips off the bike, catapulted from a skateboard, getting kicked in the face by a big brother, fractured leg…arm…ribs.
Typical rough and tumble boy things.
Dumb Luck = Survival + Family ✅
As Hubby entered university, he got a full ride with the Bank of Dad. He had a breezy time at UC Berkeley as an engineering major. He only drove home on the weekends so mom could do his laundry. Typical boy!
He was immediately picked up as an intern at Amazon in his junior year. Back then, Amazon’s stock price was hitting around $98 a piece.
He went to work for Amazon because when he went to interview at another tech company, he got lost in the building and was too shy to ask for help.
He decided he didn’t want to “shop around” anymore and just went with what he knew: Amazon. He was promptly hired at Amazon full-time with barely a put together resume.
For any new graduate, 2010 would have been a very tough year to start adulthood. Everything was in the toilet at the time. Hubby was given a fat sign-up bonus, a great compensation package and a lot of stock at Amazon (vested if he stayed for 2 years). Most graduates don’t stay at Amazon for more than a year because Amazon’s not considered the best place to work.
He didn’t like working at Amazon either but he stuck around with what was familiar. For the next 6 years, he allowed his Amazon stock to rise, fall and stall. Not because he was an investment genius or he had faith that Amazon would become our overlords today but because he forgot/didn’t care that he had them.
He forgot he had half a million dollars.
Hubby didn’t know a lick about investing and he didn’t care to find out.
He went to work, went for a beer at the pub with his friends and went home. His rent was dirt cheap because he was too lazy to move. He didn’t know how to cook so he mainly ate pasta, eggs and zucchini for all of his meals at home. This made his grocery bills very inexpensive and shockingly simple. He’s just a simple happy-go-lucky guy. Netflix is cheap, video games are fun, he didn’t drive/travel/do anything that would involve leaving the house. His work lunch and beer with the guys were the only expenses beyond the essentials like zucchini and shampoo.
When I came along, Amazon stock was in the 600s I believe. I didn’t think much of it either honestly. We weren’t married, we were just dating. I didn’t push it at the time. I honestly didn’t think much of it because I didn’t know how stocks worked either. He apparently had around 500-600 shares of Amazon.2 He also saved 80% of his net salary by living a simple, quiet life. He wasn’t aiming for FIRE or had even the slightest clue about personal finance.
Anyway, Hubby’s lucky I’m not a carnivorous gold digger.
He was so pure and innocent. Do you know how easily I could have blown all his money on Chanel bags and Cartier watches?
One of our friends wanted to pre-order a Chanel sheepskin flap bag so she took me into a Chanel store with her. She then asked me if I wanted anything reserved since “Hey your boyfriend could just buy it, riiiight?”
*Cue him standing around looking at the shiny bags on display and then gently smiling at me.*
I could have done anything with him at the time and he would have still liked me – that dumb, sweet, sweet man.
Obviously, I said no.
I remember the look on the 2 beautiful store ladies’ face. They looked…so perplexed? It’s like they never heard a woman say no to a Chanel bag.
P.S. I had a hard time telling if the Chanel associates were models or really just counter clerks. They were like paintings! The fact that they’re working at a Chanel counter probably means they have to be doll-like beautiful, huh?! ?
Dumb Luck = Wealth + Decent Girl ✅
They Lived Happily Ever…Sorta.
I came into the marriage with about $22,000 in my bank after working two jobs for two years out of college. Not bad for my age and being 100% debt free too! Well, he came into the marriage with about 35 times that and blew me out of the water.
When our finances were combined, I started becoming more focused on the topic of investing/frugality after reading Financial Samurai and Mr. Money Mustache. I came from a Chinese fishing village and raised in a Chinatown-poor family so learning about money was like re-learning the alphabet. I had to start from scratch with the most basic principles.
After I read a few books from Bogle (borrowed from the library like a good frugal person) I asked him,
“Hey honey…how much of your portfolio is in Amazon?”
“I don’t have a portfolio…”
“Oh…the book says you have to invest and diversify…”
“Umm, I don’t invest…and that sounds complicated.”
I fought and tantrum with Hubby for two days and then a stalemate of another week because I wanted him to start investing his large 6 figure stash of cash.
He was very adamant.
It was the biggest fight we’ve ever had to date. It was ridiculous!!
He was afraid of everything. I had to fight him to start fully contributing to his 401k too, although that took much less time for me to win. I was sure investing in Vanguard was the right move for his money.
He said no and wanted to keep all of his money in his credit union savings account. We delayed the decision to invest even longer due to our stalemate. The market started to dip and I gave one last speech and he finally folded.
It was because of that delay that we were able to throw our money during the 10% market dip. It looked like things were heading for the toilet before the markets bounced back up again. That dip has probably made us $75K dollars more than if we had invested even a week or two earlier.
We weren’t timing the market. Just dumb luck on Hubby’s part to fight tooth and nail with me over investing money in mutual funds…whoo, that was an intense week!
He admits now that it was stupidity and fear that made him fight with me so hard. He has trouble with new things and anything that requires action or risk.
We finally dispersed the near 100% allocation of Amazon out to other means. Our Vanguard looks a bit complicated, at the time I manually searched for small, mid and large caps even though most of the time you really only need 2 or 3 funds.
The next fight was about our house and Airbnbs. We also locked in our low-interest rate for our house during a similar interest rate dip too! Anytime something new happens, Hubby likes to be on the defensive with any change and it somehow makes the timing perfect. He has a bias against action and change…or he’s psychic.
I had to throw tantrums of massive proportions for what most people consider two of the biggest wealth building secrets. But the universe still agrees with him more than me.
Dumb Luck = Well Timed Ignorance ✅
Working at Amazon has always been stressful. Amazon is a very frugal company. There’s no budget for decor, lunch and their benefits used to be on the lower end until they bumped it up recently.
The decor theme for hubby’s building was…Amazon warehouse.
EPIC FACEPALM. It looked like a prison.
How does anyone think making an Amazon office into an Amazon warehouse is a good DECOR idea?
Eventually, he made the jump after years of saying he would. I nudged him on that as well.
He only received such a strong offer from “Ooooogle” because this other tech company wanted Cloud talent badly.
His ex-manager and friend back at Amazon was one of his interviewers. One of the other interviewers had a run-in with hubby too. They were both in the lobby getting coffee on the day of the interview. Something happened to the coffee machine and it made a mess everywhere when the interviewer was using it. He was trying to clean up the mess in a hurry, Hubby offered to clean up for him so he could run to his next appointment. The guy finds out later – he was interviewing Hubby!
Talk about good first impressions. Talk about dumb luck!
Oooogle gave a horribly low-ball offer in the beginning3 but once they saw that the other company was not low-balling him – they immediately bumped and matched hubby’s plan. From that it was deciding the future prospect of the company and of upper management. He is now working for Oooooogle.
Dumb Luck = Work ✅
Oh, oh it was by dumb luck that hubby and I met too but I’ll leave that story for another time.
If anyone (besides myself) accuses me of being mean to my husband, you should see what I’m willing to do to protect him! 😛
Top $ Resources That I Use
Below are my recommendations for saving, earning, and investing money instantly,
Personal Capital: Sign up and use their net worth calculator for FREE. They are a free financial service platform that helps you analyze your portfolio, retirement, and financial health all on one simple & secure account.
Ibotta: I thought this app was overrated before trying it myself. The “any item” promos instantly save you money after scanning your grocery receipt. Ibotta also hosts promos and contests for your team to save more by working together. One of the guys on my Ibotta team list has earned and saved over $100,000 using Ibotta. You can get $10 if you sign up through my link.
Dosh: Dosh is a unique cashback app similar to high reward credit cards except you don’t have to bother getting one. Simply link your current cards to the app and get cash back! No need to scan receipts, no turnaround wait time for cashback – Dosh is nothing but instant cash back! Get a free $5 bonus upon signup and linking your credit card.