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Real Food for Real Men
Image: – – Macho Spouse
Fellow male miltary spouse, Billy McFarland, started a new Facebook page about healthy eating and healthy living for men. According to Billy, he started this while stuck at home during his wife's time in the field, deployments and training. He plans to cover everything from what to eat and how to cook.
A note from Billy:
So why do I care? Many people close to me know that I have lost a lot of weight in the last 3 years. I have more energy than I did at 18 and more importantly, I can keep up with my kids.
I started exercising back in August of 2011 after realizing that I was spending almost every spare moment of my day sitting on the couch, watching TV and snacking on chips or candy. My total cholesterol was over 400. I could not walk up a flight of stairs without feeling like I was dying. In fact, I was dying, quickly.
So after the exercise started, I lost about 30 lbs than hit a plateau. On top of my weight loss stopping, I injured my knee and had to stop running. I moved my exercise to a gym setting and lost another 10-15 lbs, but quickly hit another plateau and began to lose motivation.
Around January or February of 2013 a friend introduced me to a Facebook page called "Just East Real Food" and something called the Paleo Lifestyle. I was frustrated with the fact that I was no longer losing weight and my injuries were preventing me from exercising very much (not that it was helping), so I decided to try it.
I began experimenting with many new foods and getting rid of all processed foods in my diet. I stopped drinking all sodas, sports drinks or sugar loaded drinks. My appetite actually decreased and my energy level increased. It seemed to be working. Several months went by where I did NO exercise. On a trip to the doc with one of my kids, I decided to step on the scale. I had somehow lost another 10-15lbs without doing anything besides eating. No portion control. No calorie counting. No shakes. No pills. All I did was eat tons of delicious food.
In a nutshell, that is the goal of this page. I'd love to teach men to live healthy lifestyles by just eating real healthy (but tasty) food.
One of the great resources we have at Macho Spouse is the Men's Room for Military Spouses (sorry ladies, this is a private Facebook page designed for all male military spouses only). We plan to start sharing some of the more informative/interesting conversations on our website, the thread below is our first "share." Some of the names have been hidden for privacy purposes, see if you can figure out which names are fake...
Jar Jar Blinks: OK, what is this "Rule of 72?"
Yoda: Interest multiplied by time equals 72.
C-3PO: If you're not good at exponential math, it's a quick way to estimate how long your investment will double, given an interest rate. For example: if a CD is earning 3%, then it will double in value in 24 years (72/3=24)
Yoda: To double your investment.
Yoda: ^C-3PO's way is easier to follow. Way easier.
Jar Jar Blinks: So where do these investments live? Seriously, do savings accounts work the same way, assuming you can find one that offers interest?
Yoda: NFCU has a 3% CD right now.
C-3PO: It's all a matter of risk vs. reward/return. The S&P 500, aka TSP C Fund, returned about 30% last year. But it was down 37% in 2008.
Yoda: I was taught to expect a 10% rate of return on index funds back in 06, so my ROTH would double in 7.2 years.
â€ªJar Jar Blinks: I guess I have a trust issue... Can I trust the folks at USAA to steer me in the right direction eggs
Jar Jar Blinks: Eggs... Heheheh
Jar Jar Blinks: When asking to set up investments?help
Yoda: Not 100%. Their funds are kind of expensive compared to vanguard and the TSP. But it's better than nothing and their life insurance is fairly priced.
C-3PO: "It depends" USAA only has 2 real index funds, but together they match the entire US stock market. They are not the MOST expensive. Their insurance is pretty well priced, but you're probably find even better at NMAA or the equivalent for other services.
Yoda: If only all branches could use NMAA...
I'm not as conservative as some. Instead if having 6 months of expenses on hand I have 6 months of expenses in a USAA ROTH IRA (no fee for withdrawals of principle with some caveats), and now put everything into ROTH TSP index funds (lowest fees in the world!).
Yoda: I do keep some liquidity (cash or accounts that can very easily be converted to cash), but since we run a surplus each month even after investing, and the military pay is as stable as it gets, I don't keep much in that account (plus I "float" all my expenses other than car insurance, so I don't pay July's expenses until mid-September (if we have to spend more I can transfer assets as needed, has never happened, but just in case), and the "float" on credit earns us rewards and consumer protections).â€¨â€¨â€¨â€¨â€¨â€¨â€¨ Blue Cash Preferred, 6% back at the commissary, 3% back at the gas station and 1% everywhere else (no fee for military).
C-3PO: â€¨â€¨ I haven't dealt with them, but I hope AAFMAA is as good as NMAA.
â€ªC-3PO: PenFed has pretty good credit cards for military too.
â€ªJar Jar Blinks: .... all these damn acronyms....
Yoda: FUBAR right?
C-3PO: (image that can't be shared)
C-3PO: Sorry about being a wiseass
â€ªJar Jar Blinks: Better than being a wide ass
Yoda: C-3PO, you've got to take it easy on Jar Jar Blinks, he's a submariner. Just think how many bumps to the head he's suffered.â€¨â€¨â€¨â€¨â€¨â€¨â€¨ But on a serious note, it's pretty cool how many guys in this group have an understanding of personal finance.
C-3PO: If I only had a nickel for every time I hit my head while underway (says the 6'3" Marine)
Mace Windu: Personally, I would put my money in a multitude of investments. Like savings,cd's, 401k, TSP, money market fund and precious metals. Never have all your eggs in one basket.
Admiral Ackbar: â€ªLuke, to be excruciatingly technically correct, it's the rule of 69.3. Here's the math behind the answer:
I like the way they cheat by assuming that for small interest rates, the natural log of the quantity (1 + interest rate) is approximately equal to (interest rate). So it's not much of a stretch of radcon math to assume that 69.3 is about the same as 72.
You can also use the math to figure out when you'll be financially independent:
Luke Skywalker: I think NFCU has a special going on that if you open an IRA with $100 they will give you $100. I have 4 IRA's at USAA, IRA at NFCU, TSP and a 403(b) at Fidelity. Saving about $500 a month between all the IRA's.
â€ªLando Calrissian: Boy you guys are starting to make me worry about my future. Where do I start when I have no job and only a limited amount that my wife has volunteered to me over the years in some sort of retirement account?
Yoda: â€ªLando, my wife and I each maxed out our Roth IRA's for her first four years of service so we could build up our emergency fund (with the stability of military careers I feel as though the ROTH IRA is a good place to stash an emergency fund that is a very low probiotic of being utilized).â€¨â€¨â€¨â€¨â€¨â€¨â€¨ Now all the money goes into her TSP, but it's our retirement account.
**If you are a male military spouse and would like access to this private page, please send a request through Facebook and we'll usher you in as soon as possible.
A few weeks ago AT&T contacted me about writing a couple blogs on how best to appreciate a military spouse. Now, since Military Spouse Appreciation Day is on May 9th, I thought this was a great gesture by one of America's largest corporations to ask this question specifically of male spouses. Plus, AT&T offered a couple iPad gift baskets in exchange for my thoughts. The deal is that I have to share one of those iPads with you guys. I felt that offer was a no-brainer, so here you go. My top five ways people can acknowledge the sacrifices military spouses make on behalf of their families and nation. Before I begin, I want to make it clear that the following list is how I want to be appreciated; we're all different and I know other guys have different ideas. That's great! If you add your ideas below this story, I will put your name in a hat for a chance to win one of those AT&T iPad gift baskets (the only disclaimer I'm putting on this is that you must have your entry in before midnight on May 4th.)
One more thing, I feel a little self-conscious writing this because I really don't think anyone needs to appreciate me as a spouse. I'm happy and proud to live this lifestyle without any recognition. Tens of millions of people go to work everyday, many in not such great environments and/or circumstances. I do believe military spouses have it more difficult than most, but we're just doing our part to help make this country great.