You disagree about the average of 10 hours per week?

5

We maximize the value of each significant transaction.
What does the money cost to borrow?
What is the opportunity cost of pulling money from savings / investments?
We worked hard for our money and want it to work hard for us.

We hate to finance anything and have a loan hanging over us.
When i bought our most recent truck, i was offered an additional $1,000 discount if i financed it. So, i confirmed there was no prepayment penalty, and wrote a check for the price minus $10,000. They financed the $10,000. When the first bill arrived, i took it to the dealer and wrote them a check for $10,032. That $1,000 discount cost me $32 in interest.

We have a cash-back credit card which we use for most purchases. I have it linked to the joint checking account to pay off the balance 5 days before the due date. We have made $300 in cash back this year.

I look at our finances nearly every day. It takes me a minimum of 5 minutes - sometimes much longer. Wife and i have a money meeting at least once per week to discuss money, business, investing, retirement funds, and the financial projects we are working towards our goals. Sometimes 5 minutes, sometimes an hour. I have a master file with sub-files to make everything simple and easy for when i kick the bucket.

We are doing some extensive estate planning because of our goals which will be administered through a private foundation that will be perpetually self funded.

Look to see if you can have an HSA account with your healthcare. My HSA account funds are held in an interest-bearing money market account so immediately accessible, but still earned $190 this year.

Each week, i work an average total of 10 hours on financial matters - each day reading the WSJ, and a private newsletter, review finances, roll over any maturing investments, do financial planning, work on tax planning and organization, read the daily oil and gas reports, and manage our ownership interest in oil and gas wells.

Everyone should open an account at Schwab or Fidelity to begin learning about and making money. It only takes $50 or less to open and fund a brokerage account. The financial resources and education then available is invaluable.

Why didn't you wait for them at the boat ramp and take a look for your trap in their boat?

only way I ever had them. They were good. Mild white flaky fish.

2 Peter 3:9 " The Lord is not slow in keeping his promise, as some understand slowness. Instead he is patient with you, not wanting anyone to perish, but everyone to come to repentance."

God has called EVERYONE to the wedding, but not all choose to attend.

Of course God knew from the beginning who would choose, that does not mean He excluded some people from the beginning, He just foreknew who would choose.
Some people have a hard time getting their head around the issue.

Last I checked it was $2.35 at the nearest gas station