The Reason I Disagree that Cash is King

My husband just came home from working 7 AM -3 PM, then turned around and left for an overtime shift of 4 PM – 12 AM. The schedule had not been released, so the shift came as a surprise and disappointment to him, our daughter and me. After all, we had been looking forward to him coming home for the night.
The subject of overtime was a tense one earlier this week. I did not initially want him to do it, but he was right about this being an opportunity to pay off the mortgage even earlier.

The things we sacrifice for debt. As hourly and salary workers, time is the sacrifice.

My family gets together at my Granny’s house every other Friday night, most recently two nights ago. My Granny was bouncing with excitement as she asked my aunt, my cousin and I what we thought about taking a girls’ trip to Williamsburg this fall. I told her that sounds good but that we would have to figure it out so that my husband and I could start saving for it. My cousin hesitated saying that she did not know if she would be able to take the time off work, and my aunt bluntly said she could not take any time off until next year. With each response, Granny’s face fell and my soul shrank.

One of my company’s vendor’s sales representatives came by last week. He was excited because after 30 years of service with his company, they have finally improved their vacation policy. Instead of capping at three weeks of vacation per year after 10 years of service, their policy is now:

1 year: 1 week
3 years: 2 weeks
10 years: 3 weeks
20 years: 4 weeks
30 years: 5 weeks
40 years: 6 weeks

He ended the explanation with a huge smile on his face. 40 years of 40 hours per week for six weeks off. Of course, it beats my company’s cap of three weeks that I’ll start receiving in two years if I continue working for them.

As I write this, I really need to be making a grocery list so that I have time to go to the store, come back and meal prep for the week, bathe my daughter and get her ready for bed before going to bed myself. It has to be done today because my husband and I work all week. There’s just no time otherwise.

I have to figure out how to get more out of life. Trading time for a set amount of dollars while making other people rich is not the only way.

Cash is king? Time is king.


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  1. Hi,

    I really enjoy your blog and look forward to seeing you reach your goal! We have completed baby step 1 and working on the debt. We are older(with adult children), so time is very important for us. You can lose money and get it back which takes time, but you can’t get back time. Are you going to go to Franklin to see Dave and do your scream?! Even though, we are 40 min away from him, it will take us about 3 1/2 years of gazelle intensity to pay everything off. By that time, I might have a dance to go along with the scream! lol!

    1. Thank you, Patricia! My husband and I have a fear of talking in front of more than about three people so the debt free scream won’t be in the cards for us lol. We’re just west of Knoxville so we would like to go meet Dave eventually, though. I really appreciate your comment and I’ll check out your blog. Good luck on your journey!!

  2. I found this months after you wrote it, but I absolutely think it is true! We spend so much time trying to earn money that we don’t really live. As soon as I am debt free, I will be cutting my hours in half! I look forward to the day when I don’t have to answer every “what are you doing” with “working.”

    1. Good for you! I told my husband a while back that I hope he never works another minute of overtime again after the house is paid off.

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