There is a lot of stuff that I wish I’d learned in school that simply was not taught. The public education system in this country needs to undergo a full scale overhaul because as far as I can tell it is an antiquated system that teaches bullshit. I say that for a couple of reasons, but mostly because in hindsight, as an adult, I can honestly say I have never used the majority of the crap that I was forced to learn for a period of twelve plus years.

When Sapphire returned from her trip to New Jersey she handed me a brand new copy of the book Rich Dad Poor Dad. It turns out I’m not the only member of our relationship who has been thinking about our finances as a couple. Not only has Sapphire been thinking about our money, but she’s been thinking about ways to grow our money.

I read Rich Dad Poor Dad when I was twenty-three years old and trying to find my way in the Great Recession post college. At that time I was thirty plus thousand dollars in debt and accumulating more debt in my graduate program. The book was first introduced to me by a man who I worked for and who became somewhat of a mentor to me. I remember reading the book and thinking my God….if only I knew some of this stuff sooner. Still, twenty-three was still young enough for me to re-evaluate my thinking.

So, with the knowledge I gained from Rich Dad Poor Dad, I took a long hard look at my financial situation and made some changes. I paid off my debts (i.e., student loans). I lived within my means and saved/invested what I could, and eventually I bought a home.

Now, ten years later, as a thirty-three year old woman I find myself reading this book again and once again re-evaluating my life and my financial condition. It’s kinda ironic that I would find this book in my hands again ten years later when I’m in a better financial position than I was in at twenty-three years old. I think it’s a sign.

Recall I mused about quitting my job and finding a career I love. This was me speaking with my emotions rather than good old common sense. I threw that idea in the bushes once I realized I’m sitting on a job with a guaranteed pension, a nice hefty salary, and good benefits.

Now I find myself musing again. Not about quitting my job, but about using my job to grow my money so that I reach a point where I don’t have to work for anyone else period. We should all aim to get the fuck out of the rat race, and for a long time this was in fact my goal. However, I think somewhere along the way I got comfortable and complacent as most people do after securing a “good” job.

Thanks in part to Sapphire, I see I can’t be that way.

My boo has set up a corporation, and she is in the process of deeding her loft over to that corporation in hopes of turning it into a $1600-$1800 a month rental property. The corporation is a tax shelter. Corporations are not taxed the way individuals are taxed. Therefore, it’s beneficial for Sapphire to get the loft out of her name.

Sapphire also suggested we rent out the bedroom/full-sized bathroom we have in my house that is not being used to a local college student. This idea has crossed my mind before, but the thought of having roommates was so unappealing that I quickly threw the idea away. However, now that I’ve had time to think about it, my biggest liability (my home) can also be the thing that gets the ball moving with my quest for financial independence. Suddenly the liability has the potential to be an asset.

Sapphire and I occupy one room in the house. There are three bedrooms and three full size bathrooms in the house. There is one bedroom that is my library and storage. The stuff in this room could easily be moved into the garage and that bedroom could be rented out too.

I figure we can charge two local college students $700 each for the bedrooms with all utilities included. This may sound pricey, but consider I live next to everything, it’s a gated community, and one bedroom apartments in decent neighborhoods in Atlanta are going for $900 plus WITHOUT utilities included.

I can’t even begin to tell you how I wish I’d learn something about money while I was a child in school. Instead of learning about rapist like Thomas Jefferson, and white supremacist like Abraham Lincoln, I would have loved to learn what an “asset” and “liability” are and how the rich make money while the poor and middle class continue to struggle. I would have loved to study the stock market. None of this information was “taught” to me until I was a twenty plus year old woman already in debt from studying something completely useless at an expensive private college.

Still, I guess I should be happy that I learned. There are people who are twice my age who don’t know half the shit that I know. I can’t even go to my own parents and talk about assets and liabilities without getting the what the fuck are you talking about look.

I’ll tell you another thing this has taught me. It’s taught me the importance of having a good partner. Having a good partner by your side who shares your goals, and who can help you reach those goals financially makes a lot of difference. I plan to marry Sapphire. Hopefully, she and I can grow our money together….forever.