One Caveman's Financial Journey

Who am I?

I’m a 29 year-old, married caveman with two beautiful daughters. I am a software engineer and have been with my current employer for over 5 years.

How did I get here?

My story starts in my senior year of high school. I worked my butt off through high school and got good grades. Those grades bought me a full scholarship to a state university. Graduating college with no debt was quite a bonus!

The Cavewife, on the other hand, wasn’t quite as fortunate. She went to a private university and paid out of her own pocket. Her parents did not support her education, so she was forced to work throughout school and take loans to cover the remaining balance. To her benefit, she graduated with about one year’s worth of tuition in loans – not too shabby! So when we got married, that debt officially became “ours.”

Unfortunately, I graduated right in the middle of the bursting tech bubble and getting a good job was no easy task. After school, I held an IT job, and then moved to retail temporarily after getting laid off there. Then I moved on to a “favor” job from a fellow church member at a company’s help desk. Knowing that was to be a short-term position, I used it to leapfrog into a better job. That job provided me with a security clearance which I used to move to where I am today. After nearly two years, I finally made it into the position I’m at now, which I can honestly say is the first job out of college that I actually wanted and allowed me to do what my degree said I could do.

My wife had similar troubles. She graduated with a BA in Accounting. Unfortunately, with just a BA, there isn’t all that much a company will let you do right out of college. She applied to many local accounting firms, but none would hire her. Eventually she had to settle for a teller’s position at a local credit union. After a couple of years there, she was finally hired by a larger company as an accounting clerk. While that job paid more, it was far from fulfilling for her and she got dragged down by it all.

Then a miracle came! We found out in April 2006 that we would soon become parents. Inside of my wife, a little, beautiful cavegirl was growing. We discussed the challenges and opportunities this presented us and we finally decided that it would be best for her and best for the family as a whole if she quit her job after the baby was born and become a stay-at-home mom. We knew it would be difficult to lose her income, but it would also likely cost us more to put the baby in daycare than she was earning. So now, she stays home with our two children and manages our house and expenses.

It is certainly nice knowing there’s an accountant at home!

Over the course of the nearly six years we have been married, we’ve bought and sold our starter home and have since moved into a larger home that is better equipped to handle a family. I consider this house to be a good investment, even if the mortgage payments do make things a little tight right now. That will change as time progresses and as we get smarter about handling our income.

Addendum: How I didn’t get here

Notice that throughout this entire article, I never once mentioned credit cards. There’s a very good reason for that: we always pay off our balance every month. It’s not always been easy to do, but it’s something we decided from the very start so that we wouldn’t get over our heads. I can’t imagine what the debt graph would look like today if we had let that balance ride… It’s certainly the smartest thing we’ve done in our financial lives.

 

Stats Summary+/-

One Caveman's Financial Journey has a Wise Score of  15.59, which ranks it #721 among personal finance blogs.

Wise Score is an average of six statistics: MozRank, Number of Links to Domain, Klout Score, Twitter Followers, Alexa Rank, and Compete Rank. A Wise Score of 90 means the blog is better than 90% of its peers "on average". Learn more.

Date  Rank  Wise Score  MozRank  Linking
Domains
  Klout
Score
  Twitter
Followers
  Alexa
Rank
  Facebook
Likes
2014-3-272115.593.971,44211.5552021,252,0150
2014-3-272115.593.971,44211.5552021,252,0150
2014-3-272115.593.971,44211.5552021,252,0150
2014-3-272115.593.971,44211.5552021,252,0150
2014-3-272115.593.971,44211.5552021,252,0150
 

Compete+/-

 

Blog Content+/-

 

Twitter+/-

469180398
TweetsFollowingFollowers
Just a simple caveman writing about his journey to financial freedom
Tweeting since 14 November 2008 (5 years 43 weeks)

  Recent Tweets from @ThatOneCaveman

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Social Media Reach & Influence (by Klout)+/-

Klout Powered
Twitter influence stats by Klout. To get more in-depth Klout analysis of @ThatOneCaveman, visit klout.com/ThatOneCaveman.

Stat NameValueStat Explanation
Klout Score11.55The Klout Score is a 0-100 rating of @ThatOneCaveman's overall influence on Twitter.
True Reach2True Reach is the size of @ThatOneCaveman's engaged audience. Klout eliminates inactive and spam accounts, and only include accounts that @ThatOneCaveman actually influences.
Network Score1.540-100 rating of the influence level of @ThatOneCaveman's engaged audience.
Amplification Score2.00 0-100 score of the likelihood that @ThatOneCaveman's tweets will be acted upon by their followers.
Klout Description of @ThatOneCaveman
@ThatOneCaveman needs to engage more with others or be more active to gain influence
Klout Classification of @ThatOneCaveman
Observer You don't share very much, but you follow the social web more than you let on. You may just enjoy observing more than sharing or you're checking this stuff out before jumping in full-force.
Influential Topics Influenced By Influencer Of
  • personal finance
  • finance
 

Google Search Rankings (by SEMRush)+/-

SEMRush finds the Google keywords where thatonecaveman.com ranks in the top 20 search results.

SEMRush Rank0Rating of sites by the number of visitors coming from the first 20 Google search results.
SE Keywords0Number of keywords (search queries) the domain ranks in the top 20 Google (US) search results.
SE Traffic0Estimated number of visitors coming from the first 20 Google search results (per month).
SE Traffic Price$0Estimated cost of purchasing the same number of visitors.

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#DomainCommon KeywordsAdWords KeywordsAdWords TrafficAdWords Traffic PriceSE Keywords
 

Majestic SEO Stats+/-

Majestic SEO

Stat NameValueStat Explanation
Referring Domains1,343Number of referring domains known for this item. If -1 then this number is not yet known.
Referring IPs984Number of referring IP addresses.
External Backlinks30,307Number of external backlinks for this item.
Indexed URLs1,271Number of URLs for given item type present in index - these are NOT backlinks, but rather URLs belonging to given domain or subdomain: this metric is useful as an indication of domain content size.