My father-in-law retired comfortably at 63 thanks to 3 simple money rules he lives by - Business Insider

are simple and basic, but his journey reminds me that I don't have to reinvent the wheel.

When we go out as a family or my in-laws stop by our house and notice I haven't cooked yet , Fred is often the first one to volunteer to treat us to dinner out on the town. It's clear to me that deprivation is not the goal, and no one is spending hours each day crunching numbers and cutting out coupons.

We live in a society that often expects you to take out loans or swipe a credit card for what you need. Whether the debt is technically "'good debt" or "bad debt" doesn't really matter if it's eating up monthly cash flow. . I realize that it's going to be hard to increase my savings rate and invest more when there's a ton of debt draining my bank account as well.

When my father-in-law realized space was tight in their three-bedroom home, he decided to build a second story on their existing home. He worked in construction at the time, so he knew how to do some of the work and asked friends for help with the things he wasn't as good at. He recalls spending about $15,000 on the addition from start to finish.

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Great, how many times was he unemployed?

Not easy when we are emotion-driven creature.

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