Millennial Money Man Turns One!

Millennial Money Man Turns One!


Wow. M$M actually made it for a year.


Just as a bit of a forward – this isn’t your typical first year review. I included a few of my favorite articles from 2015 at the end, but I made this post a bit different. I want to talk about WHY I started M$M, and how blogging has completely changed my life. It’s pretty personal and a little harsh.


It’s already been a year since I started this little side project, and I can’t believe that I’m actually still doing it. This thing started off way back in 2014 when I decided I wanted to write an open letter to Millennials about student loan debt.

I had just come off of paying down $40,000 in student loans in less than 2 years, and I was REALLY proud of it (too proud honestly).

I remember that I was angry at the way that my peers acted towards debt. Everyone around me seemed so complacent about our generation’s lack of financial education and discipline. I watched my friends happily finance all the cool crap that they wanted and slap it all over Facebook to get likes and comments.

I was literally seeing my friends destroy their ability to retire or achieve financial freedom with every stupid picture of the new car they rewarded their non-achievements with. 


My people checking out Instagram instead of their bank accounts.

Millennials suck at money but are great at snapchat. It still REALLY bothers me if you can’t tell.

Don’t worry though – We won’t have to deal with the consequences of our poor financial decisions because we’ll finance a crappy “Made In China” baton and hand it off to our kids so they can deal with it.

The other problem for me wasn’t just that most Millennials are already screwed; it was that the kids coming up are going to be screwed too. That was probably the real reason I started this site, and it’s one of the things that drives me to think about this website and its reach 24/7.

If you didn’t know – kids in high school don’t know jack about finances. It would probably be fine if school districts didn’t herd them like cattle to student loan providers as a misguided attempt to put a chicken in every pot. It won’t be fine.

These kids are going to get systematically crushed with student loan debt the same way people my age have been. Our strategy for higher education sucks and is failing, and not nearly enough people are angry about it like I am.

But even though I had all of this energy for helping people avoid debt and grow financially, I had to find my voice in personal finance. Paying off my student loans was a kind of catalyst for the time that I was putting into writing and researching, but I didn’t have a lot of personality in what I was saying. I had to work on it in the little spare time that I had.


The paper that started it all!

My band director job was very demanding, and coming home to sit down and write about calculating net worth or anti-entitlement messages became my favorite part of the day.

I know you are probably thinking: “What? Being a band director sounds cool“. It is, but I like talking about money more than I liked teaching. You have to be PASSIONATE to be a teacher and make it through the day, and somewhere along the way I had lost my passion for public school teaching.

So in June, I quit my job to run this website. Frio turkey. Everyone probably thought I was a moron, because this site made me a cool $3 a month in Google Ad revenue when I did it. Now I make more money than I did teaching between this site and the marketing company that I started based on my newly found blogging skillz (

Not to brag too much, but I freaking love my life now. I’m proud of what I’ve accomplished this year. I’ve made it a habit to never reward myself by buying stuff, so I use the written word as my reward instead. 🙂


The back of J$’s head (I think).

Since I’m celebrating this site turning uno, I’d like to share a quick story about the day I decided to quit my job that involves J$ from

I was on the fence about making the leap of faith to do what I’m doing now, so I wanted to get some tips from my favorite money blogger. J$ was offering blog coaching at the time, and I set up a time to call him. Unfortunately the only time I could chat with him was during my conference period at the end of the school day.

I locked myself in the band office and sat down at my desk with a notepad. There were students right outside of the window practicing for rehearsal later that day, and they probably had no idea what I was doing or that I wanted to leave teaching.

I got on the phone with J$ (who is just as charismatic on the phone as he is on his blog) and we started going through my website and what he thought I should do to monetize it and help it grow. I wrote down everything I could and got about 4 pages front and back of stuff I needed to do to the site.

Near the end of the conversation I mentioned that I was going to quit my job to run M$M. Looking back, he was really cool about this…but my site looked really crappy. The only thing I had that was decent was my logo. Everything else was kinda lame.

This is what the old M$M looked like back in April!

This is what the old M$M looked like back in April!

Also – blogging takes a long time to actually make money, and I didn’t know that. I’m literally laughing about how naive I was as I’m writing this. I can’t even imagine having that conversation with a blogger just getting started in the game.

Here’s the awesome part – he could have told me it was a bad idea and that I wasn’t even close to making money from this thing. He HAD to be thinking it. But instead he said, “Yeah…I think you’ll be alright.”

Boom. That was it. I resigned the next day.

There’s a funny thing about people that are dreamers and entrepreneurs. They don’t tell other people that they can’t achieve their goals. If J$ was thinking, “Man, this guy is screwed,” thank God he didn’t say it. If he had I wouldn’t have quit. I wouldn’t have made this work. I would be at the school feeling trapped right now.

J$ – thanks man. I owe you. You changed my life and probably didn’t even know it.


I’ll go ahead and wrap up by sharing my 5 favorite posts of this year below. The first one is my original one that I wrote on Medium. Check it out if you’d like to see what my first post EVER looked like before I knew anything about blogging! 🙂

Also, to everyone that has commented, emailed, guest posted, or even just looked at the site, scoffed, and hit the x in the corner of the screen – Thank you. I feel pretty confident that we’ve helped some people avoid more debt or pay theirs down faster. Let’s keep it going!

“The Original”

Want To Build Wealth Someday? Stop Acting Like The Millennial You Are.


Afford – A Dangerous Word


I Deserve A New Car, Right? Wrong.


Perspective – My $ecret Weapon 


The Best Financial Book You’ve NEVER Heard Of


Want to start your own blog or switch over to WordPress? Read my how-to guide below:

How To Create A WordPress Blog With Bluehost

Live differently. Your bank accounts will thank me later. – M$M

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22 comments… add one
  • J. Money Jan 4, 2016, 11:56 am

    Oh $hit man, I had no idea! What a cool journey!! I remember talking with you of course and trying to help, but didn’t realize how it all went down. I knew you’d be okay 🙂 It’s all about passion and drive and just having fun with this stuff. And you’re great at all of them. Keep hustling, brotha!

  • Chuck Jan 4, 2016, 1:42 pm

    Congrats on the anniversary and on taking the leap. Sounds like it’s paid off well.

  • Alyssa @ GenerationYRA Jan 4, 2016, 4:33 pm

    Congrats, M$M!! Can’t believe it’s already been about a year since connecting via Chelsea Krost’s twitter chat – and look how far you’ve come! Giving you a *virtual high five!!* Cheers to 2016 (a fine TX craft beer of course), one year with the blog, and many more successes & inspirations to others driving down their student loan debt to come.

  • Ashlee @ SMD! Jan 4, 2016, 6:33 pm

    Congrats on your one-year anniversary!

    Your reason for starting M$M sounds very similar to ours. We couldn’t handle the complacency and financial ignorance among our friends and coworkers any more that we wanted to shout at everyone we knew — just save your money, dammit!

    Cheers to 2016 and many more anniversaries.

  • Sarah Noelle @ The Yachtless Jan 4, 2016, 9:58 pm

    Hey, congrats! That’s a cool story about J$. 🙂 And I actually didn’t know that you had a marketing company; that’s pretty cool too. Maybe at some point I’ll try some monetization techniques too…

    • Millennial Money Man Jan 4, 2016, 10:24 pm

      You should! We spend too much time on these sites to not monetize the skills we pick up. Blogging is NOT a free service like Huffpost would have you believe 🙂

  • Mrs. Mad Money Monster Jan 6, 2016, 12:32 pm

    This is so inspiring! I started my PF blog at the end of September. It’s extremely motivating and keeps me on task. I love the community that I have since become a part of. I just found your blog today (don’t hate me because I’m a little slow 🙂 and I’m loving it. Thanks for deciding to share your story!

    Mrs. Mad Money Monster

    • Millennial Money Man Jan 6, 2016, 12:38 pm

      Thanks! Haha don’t worry – I am like THE worst at finding and commenting on other people’s blogs. Glad to meet you!

  • Mrs. Lewis (@LewisandWife) Jan 7, 2016, 12:46 pm

    Whoa! Full of truth bombs here man, I love this post and I’m glad I stopped to read it. This month marks the start my PF blog and I hope to be in somewhat the same place as you next year. The goals are eerily similar actually but in a very specific and different niche. Good luck to you in 2016 and I can’t wait to keep reading. I hope you’ll swing by my site sometime too as I pay off the first $20k leg of our $190,000 in debt. Cheers!

    • Millennial Money Man Jan 7, 2016, 4:10 pm

      🙂 Thanks for checking it out! Good luck on your journey and let me know if you need any tips along the way!!!! (I’ll be sure to stop by your blog).

  • Melanie @ Dear Debt Jan 10, 2016, 4:54 am

    I remember when you first started! Congrats on all your success. Love the story about J$. Love him.

    • Millennial Money Man Jan 11, 2016, 12:33 pm

      Yeah J rocks. Thanks so much (you really helped me with freelance writing if I remember correctly)!

  • Sam @ Financial Samurai Jan 11, 2016, 11:50 pm

    Wonderful to hear man! Glad youR site is doing well and you are loving your new life now.

    My only consulting difference would probably involve figuring out how you can get laid off so you can get a severance!


    • Millennial Money Man Jan 12, 2016, 1:09 am

      Thanks Sam – I am loving it but see what you mean with wanting to go back to the real world sometimes! Hmm, not sure if that is possible in Texas teaching, but who knows? I’ve enjoyed your site a lot and appreciate you coming by mine every once in a while. Makes my blog seem more legit 🙂

  • Harmony @ CreatingMyKaleidoscope Jan 12, 2016, 11:04 am

    Congrats! Your success is so inspiring. What a difference one year can make. I really need to start waking up earlier or something, so I can make more progress towards our goals. Keep the tips coming please 🙂

    • Millennial Money Man Jan 12, 2016, 12:34 pm

      Thank you so much! I appreciate the kind words!!!! I really need to wake up earlier too. 🙂

  • MB @ Millennial Boss Jan 30, 2016, 11:45 pm

    Living the dream man! Congrats on taking that leap! My fiance and I talk about it everyday but we don’t know which one of us would get to jump off the hamster wheel first. I have the higher income so it makes sense for him to quit first but I want it to be me !! 🙂
    Looking forward to reading more of your posts and figuring out how you did it.
    Also- love the self-taught marketing thing. Really hammers home the point about the cost of college versus the usefulness of college. Maybe we need to reconsider the value of college as a society since so much can be self-taught nowadays.

    • Millennial Money Man Jan 31, 2016, 10:41 am

      Yeah life has been good…not going to lie! The biggest thing for me was to have a year’s salary in the bank. I was a teacher, so it was easier to get to that goal than a lot of people. If you seriously want to take the leap I would highly recommend it. However…have a better plan than I did. I just kinda did a YOLO thing. Not exactly the smartest strategy but it has worked out for me so far. 🙂

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