Welcome, Future Early Retirees.

Valentines day is just around the corner, and if you’re like me, you want to give your spouse/partner everything and make them feel cherished. Of course, the world would have you believe that means spending as much money as possible. The essence of this special day is about expressing love and appreciation, not about how much money you spend. Here's how you can celebrate Valentine's Day in a way that's both affectionate and financially responsible.

In today’s newsletter:

• Share Money Bags 💰

• Be my valentine

• Things I found interesting

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Be my valentine

Love isn’t measured by how much you spend. Genuine affection is about quality time, understanding, and small gestures that show you care.

• Personalized Gifts: Instead of buying something generic, think about crafting a gift. Could be a handwritten letter, a DIY card, or a scrapbook of your memories together. These items carry a personal touch and are often more cherished than store-bought presents.

• Cooking Together: Turn the evening into a culinary adventure. Pick a recipe you both love or have always wanted to try. Cooking together can be fun, intimate, and cost-effective. Even if you end up eating the same meal you usually do, the act of preparing it together adds a special touch.

• Picnic in the Park: If the weather permits, why not pack a simple picnic and head to a local park? Choose a spot with a nice view or under a tree. A bottle of wine, some cheese, bread, and fruit can make for a delightful, affordable meal.

• Movie Night at Home: Instead of an expensive cinema trip, set up a cozy movie night at home. Use services like Netflix or Hulu, or even take advantage of a free trial at a streaming service that offers it. Make popcorn, dim the lights, and enjoy the comfort of your own space.

• Local Walks: Explore your city or town on foot. This could be a nature trail, a historical walk, or just wandering through less-known neighborhoods. It's free, healthy, and you might discover new favorite spots.

• Small Gestures, Big Impact Acts of Service: Maybe your partner has been wanting to do something around the house but never finds the time. Spend the day helping them with those tasks. It could be as simple as organizing a closet together or fixing something that’s been broken.

• Create a Playlist: Compile a playlist on Spotify of songs that are meaningful to your relationship. Music can evoke memories, emotions, and even spice up the night 😉.

• Learn Something Together: Look for free online classes or local workshops that interest both of you. Learning something new together can be a bonding experience.

• Talk About Future Goals: Use Valentine's Day as a moment to discuss future goals together. This can be a romantic way to show you care about your shared future. Discuss saving for a trip, a home, or any other mutual dream. This can leave you feeling inspired and united on what you both are working towards.

• Invest in Experiences: Instead of buying something, invest in an experience for later in the year when it might be cheaper or when you can plan better. Maybe a local festival, a cooking class, or a weekend getaway (Valentines day is on Friday this year FYI).

Valentine's Day should be memorable, not a financial burden. The focus should be on celebrating your connection, not your credit card limit. By choosing activities and gifts that are thoughtful rather than costly, you can show your love in ways that are both meaningful and financially responsible. Remember, every day is an opportunity to show love, and the best celebrations are those where both partners feel valued and understood, not just on February 14th.

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Things I Found Interesting

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Talk to you all next Wednesday 🙋‍♂️