Name:   MAJ USA RET - Subject:   NOSEY ANSWERS ARE OPTIONAL Date:   10/5/2013 12:36:22 PM

Uh… nosy mullet, we do it quarterly.  Because my military service required my wife to handle extended periods of time without me, she has ALWAYS handled the bills, bank accounts, and savings. Therefore she is a critical part of decision making.  Because we worked TOGETHER on MAINTAINING a budget… we have NO debt.

The budget is an Excel spreadsheet (previously on ledger paper).  Occasionally folks ask us how we managed to make it to retirement this way. We have a blank (Excel) budget… where all one has to do is fill in the numbers.  We offer it to those whom we know… and ask for it.