DW and I don't consider ourselves "rich" but we know that we are comfortable. This didn't happen by accident, and it didn't happen by laziness.
I went to college and graduate school, my parents paid for undergraduate work, but I financed graduate school on my own, ending with a Ph.D. in engineering. DW wasn't as lucky in the parent department, and she financed her undergraduate and graduate work totally on her own. She has a Ph.D. in psychology.
The first 20 years of my career, I worked for companies, and lived through being fired once, and almost fired again due to not being politically connected inside the company. I came to realize that working for someone else was precarious, and I deliberately decided to develop a sideline which could bring in some income if times became bad. So I started buying and fixing a rental houses working evenings and weekends.
When we married in the late 90s, DW was a college professor, and had started an educational consulting company. I encouraged her to continue in this field.
We bought more rental houses, and she was right there working beside me doing repairs and improvements. Plus she increased her consulting.
In 2003 we were fixing up a rental and she noticed that all of the people who came to look at it drove better cars than either one of us had. And, a lot of them were section 8 tenants (government subsidizes their rent).
In 2007 I realized that I was selling my days to the company for less than they were worth to me, and retired. DW retired last year. When the house burned down I went back to CA and rebuilt it, acting as owner-builder.
Now that it has sold, we are back in our house in OR. DW still has her educational consulting business, I manage our real estate, and just yesterday went down to get the course materials to become a licensed contractor in Oregon. This will both help with the real estate business, and will let me keep some of the guys who worked on the CA house employed in Oregon.
Now just where the he11 along the line do you thing I lost the incentive to work?
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And, we contribute more to charities than either Barack Obama or Joe Biden.
DW supports 6 children in various countries. I work with troubled youth and young adults. A lot of times a few hundred $, or rarely a couple thousand $ will make a lot of difference. I reach into my pocket and take care of things when necessary -- more than a few times a year. There is no tax deduction for this.
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I know that we are neither the hardest workers, nor the biggest charitable contributors on TBN -- there are many others like us.
But I also know that guys who think like you aren't qualified to carry my jockstrap across the locker room, much less hurl insults.