Could Accessory Dwelling Units Solve the Housing Affordability Crisis?

Could Accessory Dwelling Units Solve the Housing Affordability Crisis?

We made a catastrophic mistake in the name of “protecting property values.” We did it too well! Over the last 50+ years or so we’ve slowly and unintentionally made it illegal to live somewhere other than in large single family homes or in luxury apartments.

During that time period we have created entire zoning ordinances that require minimum square footage homes on minimum sized lots with minimum setbacks from neighbors and streets. We’ve prohibited generational living such as building a mother-in-law suite and guest homes are prohibited from having someone occupy them full time. We’ve let HOA’s and municipalities put ordinances in place that restrict our ability to let our aging parents live in a small apartment in our backyard. How crazy!!?!?!

We did all of this just so we could “protect our investment” into our single family neighborhoods by keeping out any other development (and people) that doesn’t look exactly like our own. God forbid someone might allow a newlywed couple to live in an over the garage carriage house while they save for a down payment! The world may literally end if our single family home sits adjacent to a really beautiful duplex where a family owns one unit and rents out the other unit to help offset the cost of their mortgage! I think the sky may actually fall if a quadplex even shares the same air as a Country Club neighborhood.

We have protected property values so well that we now have increasingly expensive single family neighborhoods all over the country. We’ve refused to build anything near those single family homes that doesn’t meet some subjective standard of quality that changes over time. And they’re now getting to the point where homes are flat out of reach for a new generation of homebuyers.

If real estate is one of the best ways to build generational wealth, to break generational poverty, and provide financial stability for families… which I believe it does… then EVERYONE DESERVES THAT OPPORTUNITY!

Accessory Dwelling Units help to solve this home affordability crisis by providing new options for renters and property owners.

An ADU is simply a secondary dwelling unit that is built on a single family lot and occupied/rented by someone else. They’re sometimes called carriage homes, garage apartments, granny flats, mother in law suites, backyard cottages. Sometimes they’re attached to the single family house or even a finished out basement. Other times they’re a detached structure on the side or in the backyard. 150 years ago it was uncommon that anyone but the extremely wealthy could afford a single family home without putting the land to use. It was a sign of extreme wealth to have a front lawn that’s only purpose was to grow grass that had to be mowed every week. The average family had to utilize as much of their land as they could to help financially pay for their home.

ADU’s help average property owners build wealth, but they also provide an affordable home option for a variety of people that live in a community. Maybe your aging parents need a little assistance from time to time and want to maintain their independence without owning their own single family home. Perhaps your college graduate just moved back home while they’re starting out in their first career and can’t quite afford the rent at one of the luxury apartments in town, but wants to be out living on their own. The recent high school graduate that’s working full time in the restaurant around the corner while they figure out what’s next in life likely can’t afford the rent at an apartment complex with tons of amenities, but they also need to be out living on their own instead of with family for whatever reason.

Building Accessory Dwelling Units on your single family property creates unique housing options within your community to address home affordability options while also creating wealth building opportunities for you. It’s literally a win-win scenario.

Yet for the vast majority of single family property owners that live in the United States, they are illegal to build. The zoning in your community most likely doesn’t allow for them. And if the zoning does allow for them and you live in an HOA, then your HOA likely prohibits them. 

We could almost overnight change this home affordability conversation. We could create opportunities for you and your neighbors to build a she-shed in the backyard and rent it out for a few hundred dollars each month to someone needing a different housing option. It’d generate income for you as well as help you grow your equity in your property. It’d give someone else in a different life stage than you a housing option other than splitting luxury apartment rent with 3 other people. It’d let new homeowners find ways to generate extra income to help offset the rising mortgage costs. 

We can solve this problem. It just takes your local governing body to quit making it illegal for you to build a small apartment for your kids grandmother to live in your backyard.

Shocked by your Tarrant Appraisal Value? Do This!

Shocked by your Tarrant Appraisal Value? Do This!

The Tarrant Appraisal District mailed out property value notices for 2022 this weekend.

You may have heard the real estate market is on fire so the value you see on your TAD Blue Form may not be a surprise to you. But if we’ve learned anything the past several years it’s that higher property values also likely mean higher property taxes.

There are a few things in place this year (HB3 & SB2) that the Texas State Legislature has done to minimize the impact of rising property values on our property tax bills. But you should still understand the process involved and do what you can to lower your annual property tax bill.

The Process of Calculating Your Tax Bill

Your property tax bill is actually a two part calculation that happens each year. Part 1 is happening right now from April-May and is where the Chief Appraiser for the Tarrant Appraisal District assesses the property value of each piece of property in the County. By State Law the Chief Appraiser is required to determine the taxable value of your property as of January 1 of the tax year and notify you by a certain date.

The Chief Appraiser will then deliver each taxing entity like the city, school district, and county a preliminary tax value number. That occurs on April 30th of the year.

We are then in what is commonly known as the “Protest Period.” This is where property owners have the right to protest the value of their property assessed by the Chief Appraisers office. The deadline to apply for your protest is typically around May 15, or 30 days after you receive your valuation notice. Property owners work with the Tarrant Appraisal District during this time period to come to an agreement of the fair market value of their property, based on January 1 of the taxing year.

During that time period the individual taxing entities begin preparing their budgets for the upcoming fiscal year. At the end of the Protest Period, the Chief Appraisers Office delivers a Certified Tax Roll to each taxing entity. This moves us into Part 2 of how your tax bill is calculated. The certified tax roll is then what each taxing entity uses to determine what tax rate they need to charge in order to fulfill the budget they have built for the upcoming fiscal year. Public hearings on the budget and tax rate must be held prior to the adoption of the tax rates. These meetings typically occur each year in September as the fiscal year begins on October 1.

Your tax bill is then calculated by the County Tax Assessor Collector by taking your taxable value assessed by the Chief Appraiser, deducting out any eligible exemptions, and then multiplying those values by the tax rates that have been adopted by the elected officials. The tax bills are mailed out in November of each year, with a due date of January 31 of the upcoming year.

If you have an escrow account attached to your mortgage, your mortgage company will pay the tax bill on your behalf, typically in December of each year. If there is a shortage in your escrow account you are notified sometime later in the Spring of the shortage and given the opportunity to bring the account current and your mortgage payment adjusts so there is not a shortage again the next year.

So what should you do about your property value notice?

If the Market Value of your property is higher this year than it was last year, it is likely that your tax bill will also be higher when it is calculated later this year as rates don’t change substantially year to year. Your best chance to help yourself is by protesting your property tax value with the Tarrant Appraisal District.

The reality is, they have not looked personally at your property. They do not know the condition of your property. In many cases they don’t know what you paid for your home. They don’t know if it is updated or out of date. They don’t know if you have brand new windows or if your whole home is falling apart. They don’t know dozens of factors that help determine the actual value of your property. They’ve used computer algorithms and a database to make an educated guess. And their educated guess is often wrong. Their job is to get the appraised value accurate and the Protest Period is their (and your) opportunity to make sure they get it right. By minimizing the increase that the Tarrant Appraisal District adjusts your taxable value, you give yourself the best opportunity to avoid skyrocketing property tax bills.

If you’re a Mansfield ISD area homeowner, we’ve created a FREE tutorial that walks you through the process of protesting your property tax value with the Tarrant Appraisal District. You can sign up for that free tutorial here!

What is happening with the Stock Market?! (Beginners Guide)

Last week the stock market was thrown right into the main stream discussion in ways it never has before. It has left a lot of people wondering WHAT IS HAPPENING WITH THE STOCK MARKET!?

For starters, you should know that none of what is happening has anything to do with real investing. The stories you heard last week and what will be ongoing discussions for the following few weeks are essentially gambling where several bets went very wrong for some very wealthy people and some smart everyday people wreaked havoc on Wall Street.

To best understand what’s happening there are some terms that you need to know the definition:

Hedge Fund: A hedge fund is a group or partnership of investors that use high risk investing methods to realize higher gains in the stock market. They are typically wealthy investment groups that use borrowed money or often times have institutional investors backing them with funds from 401k’s and Pensions.

Short Selling: If an investor believes a stock is going to go down in price by a certain date, they can make profit off of that loss in value by borrowing a share of that stock from their broker and sell it on the market today. Then in the future when that stock has a lower price, they can buy the stock back at the lower price and return the share of stock to their broker. The investors profit is the difference between what they sold the stock for initially and the lower price they’re able to buy the stock for in the future.

Retail Investors: If you’re independently investing in the stock market without the assistance of a fund manager, stock broker, or financial advisor utilizing online platforms like Robinhood, ETrade, WeBull, or others, then you fall into a category known as retail investors.

How to profit when the stock price goes down.

If you owned a stock today but believed it was going to go down in price over the next 60 days and that the highest price you could sell that stock for is the price it is selling for today, you would sell that stock today.

But what if you don’t actually own the stock today and are confident it’s going to drop in price in the future? This is where Short Selling a stock comes in. You borrow a share of stock from your broker and sell it today. Short sales have an expiration date in which you must return the share of stock back to your broker.

Investors then make money on a Short when the price of the stock does indeed drop. They sell it today at the highest the stock can sell for and buy it in the future at a lower price so they can return the share of the stock back to their broker. The risk of course is that the price doesn’t go lower but instead goes higher. In this case, the investor that borrowed the stock has to pay more money to buy the stock and return it than the amount they made when they sold the borrowed stock.

What happened this week on the stock market?

A group of retail investors who have been reading a Reddit thread online, primarily run by a group called Wall Street Bets, discovered that several stocks had been shorted by some hedge funds. What they discovered is that these stocks had been over-shorted, meaning that more shares of the stock had been sold short than actually existed on the market.

The hedge funds borrowed and sold more shares of stock than they can now buy and return to their brokers. The time for returning the shorted shares is basically now. The only way the hedge fund makes a profit on the deal is if they can buy back the stocks at a lower price than they sold them for.

These retail investors have chosen to go all in on the stocks that the hedge funds shorted. The sudden increase in buying activity on these specific stocks has caused their trading price to be above what the hedge funds sold them for. Now the hedge funds have to scramble to buy back the stocks thus creating more buyer demand and sending the price of those stocks up higher. The longer the retail investors hold on to their shares, the higher the price will go until the hedge funds can return all of their shares of the borrowed stock.

In order to “cover” their short position losses, the hedge funds have had to sell some of their long positions (stocks they like and that are increasing in value). This sudden sell off of high quality stocks caused the prices of those stocks to also go down, and lowered the overall Dow Jones Average.

The Controversy

There has been a tremendous spike in the volume of transactions occurring as a huge number of new retail investors have jumped into the market. When you open a new brokerage account and deposit money into that account, the money doesn’t immediately transfer. It takes a few days to go from your bank account and be received by your brokers account. The brokerage will still typically allow you to make trades during the waiting period, you just can’t cash out until your funds have all cleared. This has caused strain on the infrastructure system for brokers like Robinhood who cater to the retail investor. To put it most simply, these brokerages had to make a choice to either limit their financial exposure or allow all of these trades to go through even if there were issues a few days from now getting the actual cash transfers into the bank. The controversy here is that retail investors clearly wanted to participate in the market and buy into these various securities they were hearing about on the news and social media. These new investors buying into those securities could have and should have allowed the price of those securities to continue to rise. Because of the limits placed on the retail investors which limited the number of shares of a security could be purchased or held, the price of the securities didn’t rise as much as anticipated which scared off many of the retail investors into selling their securities for a loss. This ultimately allowed the hedge funds to buy back those same securities at a lower price than they were going to be buying them for.

On its surface, what it appears is that the brokers facilitated “stealing from the poor to give to the rich,” which is the opposite of Robinhood. These retail investors overpaid for a stock with the almost certain knowledge that it was going to increase anyway. However due to the actions these brokerages took in limiting purchase transactions, they squashed the price trajectory of these securities. These actions helped hedge funds minimize their losses and cost retail investors losses.

What does all of this mean for the average person?

Ultimately, the value of a company and the price of their stock are typically somewhat equal. Occasionally things get out of whack, like they are right now. The underlying assets in the middle of the stock market mess this week are brick and mortar companies that have had their doors closed for the past 6-9 months by the government in the middle of a pandemic and were already being subjected to digital changes in their markets. The reality is, their stock price likely should not be what it is trading for today. It likely won’t be trading at anywhere near this price 6 months from now.

This is not investing. It is gambling. It is trying to find the perfect time to jump off of a rocket ship in order to profit and if you miss the mark, you will lose money. If you want to play in that game, fine. Just be careful to only invest what you can afford to lose. Don’t bet your rent money on this fiasco and don’t change your long term financial strategies on a whim.

Real investing is following a disciplined strategy of making consistent investments over time into a well diversified portfolio. For the average person, payoff your consumer debts and build a small emergency account to free up your monthly cash flow. Then use your income to follow a proven investment plan that will help you build wealth.

21 Easy Ways to Save $1,000 in 30 Days

21 Easy Ways to Save $1,000 in 30 Days

There are probably a dozen things you can think of that you’d do with an extra $1,000 right now. Winter is coming. There are decorations and gifts to buy. Maybe you want to pay off some debt or boost your savings account. Maybe you need a quick weekend getaway. There isn’t much you can do to save $1,000 doing just one thing. But several small things that don’t take much time can add up huge for you! Regardless your reason, here are 21 ways you can save $1,000 in 30 days.

Some Easy Ways to Save $1,000 in 30 days.

The fastest and easiest way to save money is to look into the areas where you are already spending money each month.

  1. Shop your auto insurance policy. Call your agent or get quotes from 3 different companies and see if you may be paying too much. You should do this at least once a year to make sure you’re getting the best rates.
  2. Review your cell phone plan. Are you consistently only using 2 GB’s of data each month but paying for unlimited? Do you have “extra’s” to your plan that you don’t use? Call your carrier and ask them for a discount. If another carrier has better rates, tell your carrier about it and see if they’ll match or beat it. If they don’t, switch.
  3. Check your home utility usage. Do you have a toilet that won’t stop running water? Is there a water spigot outside that is dripping? Can you turn your thermostat up 4 degrees in the Summer or down 4 degrees in the Winter? Are you leaving lights on unnecessarily? It may not seem like much, but a few simple changes to your routine at home could result in $20-$40/month in savings.
  4. Shop your home internet. This is a competitive industry and many providers will compete for your business. Shop around and find the best deal, but ask your neighbors for their recommendations first. There’s nothing worse than saving money but then the new provider can’t deliver internet to your house correctly.
  5. Cancel unused services. Netflix is great. Hulu is great. Amazon video is great. Spotify is great. Pandora is great. Magazine subscriptions are great. iCloud is great. Dropbox is great. But do you need all of these services at the same time? If your goal is to save $1,000 in 30 days then cutting out some of these services is a great start.
  6. Cancel cable TV. With YouTube streaming the World Series and Netflix delivering on demand content, there really isn’t much necessity for cable anymore. You can watch most any show you want online for free and with a good antenna you can catch all of the major network TV live still.
  7. Pause recurring monthly billings. Do you have a pantry full of Shakeology? Do you already have plenty of Monat or Mary Kay for the next month? Products that are set up on auto-ship notoriously ship the products more frequently than we can use them. If you buy things like this and are already oversupplied, press pause on your next shipment and throw that money into your savings account.
  8. Bank Fees. Does your bank charge a monthly fee for checking or savings accounts? They shouldn’t. There are tons of free options available for banking, including online accounts. Check out a few and switch if necessary.
  9. ATM Fees. Are you a chronic violator when it comes to ATM fees? You can avoid those fees by going to your own bank and making withdrawals. Or check out some other banks that will reimburse you for your ATM fees.
  10. Change the frequency of your service providers. Do you have your lawn mowed or house cleaned? Instead of having these done weekly, change it to every other week. Or consider cancelling the service for a season while you use that money to boost your savings.
  11. Life Insurance. If you have a Whole Life insurance policy, you’re likely spending too much money. Get a 20 or 30 year level term life insurance policy in place that has a death benefit of 8-10 times your annual income. Then cancel your whole life insurance policy. You’ll save money each month on the premium and as a bonus, if your whole life policy had cash value then you’ll get a check in the mail.
  12. Adjust Your W-4. If you get a tax refund every year and your tax circumstances haven’t significantly changed then you need to adjust your W-4 at work so your company takes less out of your check for federal income taxes. That’s your money. Bring it home sooner into your bank account rather than let the government hang on to it for a year for you. This is super simple to do and can make a huge impact on your budget.

Easy Ways to Cut Food Costs and Save $1,000 in 30 days.

One of the other major areas to help you save $1,000 in 30 days is to adjust your food budget. Here are a few ideas that might help.

  1. Shop your pantry and freezer first. Before you go to the grocery store or out to eat, check out the food you already have in your house. Do you already have spaghetti sauce in the pantry? Can throw together a meal or two with the items in your freezer?
  2. Meal Plan. Coming up with a plan for what you’ll eat and when you’ll eat it is a great way to save money. It forces you to think about the meals for the coming week beforehand and you can buy exactly what you need at the store.
  3. Buy meat when it’s on sale. That seems like a dumb point to put in this article. Of course you should buy things you need if they’re on sale. If you see that chicken breasts are significantly cheaper at the store than they normally are though, go ahead and buy a few extra and put them in the freezer. Later in the month you’ll have meats for you meals that you bought when they were on sale.
  4. Leftovers and Sandwiches. It may seem obvious to some, but when you do cook make enough extra that you can have lunch tomorrow. Sandwiches are also an inexpensive way to feed your family when you’re on-the-go. For a fancier option, heat up your sandwich on a skillet.
  5. Breakfast for Dinner. This is also probably silly. But eggs, bacon, and a can of biscuits cost like $8 and can feed a family of 4 pretty well. You may not want it all the time, but breakfast for dinner is a great cheap option to help save some money.
  6. Chick fil A survey receipts. Okay so this is just a bonus one for me. If you have a Chick fil A with the survey receipt, call that survey number and then go get you a free chicken sandwich.

Income Ideas to Help Save $1,000 in 30 days.

  1. Garage Sale. You have a ton of stuff in your house you aren’t using anymore. This could be old baby clothes or toys or home decor or electronics. If you’re not using it, haven’t used it, or just don’t want it around anymore, then move it out to the garage and get ready for a garage sale.
  2. Facebook buy/sell/trade groups or Craigslist. Selling items online is often faster and will make you more money than selling in a garage sale. If you have time, take some good pictures of the items and start posting them. You’d be amazed at how much money you’ll make getting rid of your old stuff.
  3. Start a side-hustle. Mow lawns. Clean houses. Clean pools. Rake leaves. Drive for Uber. Deliver Pizzas. To save $1,000 in 30 days you only need to generate an extra $250/week. That’s the equivalence of cleaning 2 or 3 homes a week, or mowing 6 or 7 lawns a week. That’s just delivering pizzas for about 12 hours a week. That’s just cleaning 12 homeowners pools each week. There are an infinite number of ways you can start a side-hustle to generate extra cash fast.

This is in no way a comprehensive list of all the ways you could save $1,000 in 30 days. But it’s a start and hopefully it’s got you thinking of more ways you could easily save some money. If you do 1 or 2 of these things you’ll make progress toward your saving goal and if you combine many of these ideas you should have no problem saving $1,000 in 30 days.

3 Tips For An Awesome Financial Month.

3 Tips For An Awesome Financial Month.

I played the trombone in my high school band. Each year was an audition process to make the Region, Area, and ultimately the Texas State concert band or Texas State orchestra. So each year in August I’d get the audition music and begin practicing. By the time auditions came around in November I was as prepared.

I had some natural musical talent that helped me excel and without a significant amount of effort in my Sophomore year I made the Region and Area band. But I did not make the Texas State Band.

My junior year I worked harder, but again did not make it to the state level.

My senior year, I hired a private instructor. And in August we set out a game plan. We mapped out when each practice was going to be held. We mapped out how far on each piece of music I would get to by which dates. We created a roadmap for what those next few months would look like. And in my senior year when it came time for auditions I was 100% ready. I felt confident. My audition was the absolute best it could have been. It was my absolute best effort. That year they took 16 trombone players in the State band or orchestra. I was number 17.

While I didn’t ultimately reach my goal, I was so much closer than I had ever been simply because I had taken a 30,000 foot overview before I even started. I created a roadmap about the things I wanted to execute and that got me incredibly close to my goal.

That’s what the beginning of each month provides for my financial goals now. It’s an opportunity to create a roadmap of what I want the next 30 days of my life to look like. If you want to create something similar, here are 3 tips for an awesome financial month.

3 Tips For An Awesome Financial Month

    1. Review Your Calendar
      Write out everything that you have committed to attend for the next 30 days. Discuss your schedule with your spouse. Don’t forget about kid events or business trips or date night. Be detailed and look at each of the next 30 days. Create a roadmap with your schedule. Our family uses shared Google Calendars for this because it helps keep us all on the same page.
    2. Plan Your Meals
      For about the past decade I keep beginning each month with overly optimistic plans about what our grocery budget is going to look like. Then we get about 4 days into the month and that plan gets shot down real fast. The reality is, we’re super busy. At least 4 nights a week we have an activity to attend outside of the house. Taking time at the beginning of the month to compare our calendar with when we’re going to eat helps us come up with a plan that works. Some nights it’s totally reasonable that we grab Chick Fil A separately while one of us runs a kid to baseball and the other one runs the other kid to dance class. Other nights, crockpot meals get to be our best friend. The important part is that you create a plan. You don’t have to know exactly what you’ll feed each person in your family for each meal of the next 30 days. But you should know what nights you’re going to go out to eat, what nights you’re grabbing fast food, what nights you can cook, and what nights you’ll say “every man for himself.”
    3. Create a Simple Monthly Budget
      Budgeting sometimes gets a bad reputation. It’s sold to us as something that is hard, or worse something that is restricting. The truth is, budgeting is just a roadmap for your money. Without one you don’t really have a plan to follow. With one, you’re much more likely to hit your goals. So make your budget simple. Write down all of your income for the next 30 days. Then write out what you think your expenses will be for the next month. Start with your Groceries, Utilities, Transportation, and Shelter (GUTS). Then write out your health and insurance related expenses like doctor co-pays, gym memberships, and life insurance premiums. Lastly write out everything else you may spend money on like kids school pictures, or new jeans, or daycare, or going out to the movies. If you’re not sure what expenses may come up, create a Miscellaneous category and plan to have those unplanned expenses. Subtract all of those expenses from your income until the resulting number equals $0.

You don’t have to do all of these things to have an awesome financial month. You could luck into success. And doing all of these things certainly doesn’t guarantee success. But I promise if you take about an hour of your life at the beginning of the month to create a roadmap, you’re going to be much closer to your financial goals 30 days from now.

Why I Quit Whole 30 On Day 10.

Why I Quit Whole 30 On Day 10.

Starting off 2017 I had one singular goal. My singular focus for the month of January was to complete, with some friends, the Whole 30 challenge. And I quit it.

If you’re unfamiliar with this, it is a meal plan with rigorous rules that say you can’t eat anything processed, or with added sugar, or certain preservatives. No grains or breads. No cheese or dairy. No fun. Basically just meats, eggs, veggies, and fruits. And you do this every day for 30 days.

The goal of Whole 30 is not necessarily weight loss but it’s to cleanse your body of the toxins and foods that cause inflammation in your body. It’s like a reset button. And you might lose some weight.

Even though I can say that my body was feeling better and that I had lost some weight, I quit Whole 30 and it was a great decision for me and my family.

Why I Quit Whole 30

Why I Quit Whole 30

Meal Prep for Whole 30

I knew that we’d have to be organized with our food choices going in to this. I had no clue how much time we’d be spending in the kitchen and doing dishes though. Prepping for a week of Whole 30 meals takes hours!

You have to create a meal plan for the week and go purchase the right ingredients for those meals. And you’d think that if a recipe calls for chicken sausage that you could just go to the store and buy chicken sausage. But not every grocery store carries chicken sausage and the ones that do carry it likely put corn syrup in as the third ingredient so that is no longer compliant and you have to look again or change the meal plan. Ugh!

Our kitchen was a disaster with all the dishes from prepped breakfasts and lunches. We’d finish a load of dishes just to start a new load. Our dinners weren’t complicated. We kept it to just a grilled meat and some veggies and still we were doing tons of dishes.

The meal prep involved with trying to figure out and make on Sunday afternoon what we were going to have for breakfast on Friday morning (that would still taste okay after sitting in the fridge all week) was probably the roughest part of the Whole 30 for us.

Schedule for Whole 30

If you look at your calendar for the next 30 days, you really need to have a fantastically scheduled meal plan or you’ll never make it through a Whole 30. My most stressful and emotional day was day 7 after playing in the band at church for 5 hours only to have 30 minutes for lunch before another appointment and not having any food prepped at home.

Tuesday nights my daughter has dance. Thursday’s we volunteer at a food pantry. Wednesday’s I have church band practice. I meet with clients 1 or 2 nights a week. And this doesn’t even touch the random events the kids have throughout a week.

On top of that, day 31 of our Whole 30 was going to have us in Disney World letting our first non-compliant Whole 30 meals be in the Magic Kingdom. I really don’t need an upset stomach from re-introducing cheese and bread to my diet while I’m standing in line for Space Mountain.

Life can get hectic and stressful and messy. Sometimes you need to have a convenient meal of hotdogs, broccoli, and mac n cheese that takes 5 minutes to prepare at home. Sometimes you’ve been running all day and the only time you have to eat means you swing through the drive thru at Chick Fil A. Whole 30 doesn’t really allow much margin of error there, even if you order a grilled chicken salad.

Emotions of Whole 30

This is where Whole 30 does exactly what it claims it will do. It will break you. If you’ve followed me on Instagram or Facebook for any length of time you know I have a deep love for cheese.

On Whole 30 you just quit everything at once. No cheese. No bread. No added sugars. No fried foods. No fun. Ever.

And this causes your body to literally go through withdrawals and detox. Sugar lights up brain receptors in a similar way that cocaine does, so we know it is highly addictive. This was my experience. By day 4 I felt like I had the flu and I had some crazy strong cravings.

I’m glad that I went through 9 full days of this. I got through the detox to the other side where I legitimately didn’t have cravings for bread or cheese or ice cream. I actually got to where I didn’t have much of an appetite at all and while I thought it’d be great to have a chip and some queso, it wasn’t a craving anymore.

The meal prep and the schedule problems coupled with the detox my body was going through broke me though. There were moments I cried for no real reason. There were moments I got angry or frustrated with my kids for doing absolutely nothing wrong. I was short and snappy with my wife.

If my ultimate goal was to be more healthy all around by doing a Whole 30, then I failed. My mental and emotional state went the opposite direction and I was definitely un-healthy emotionally for a few days. In the end I quit because Whole 30 didn’t help me achieve my ultimate goal of a healthy sustainable lifestyle.

Calories and Price on Whole 30

People don’t lose weight on Whole 30 because they aren’t eating junk food any more and only eating healthy, whole foods. You lose weight on Whole 30 just like you lose weight on any other meal plan. You eat fewer calories.

You’re not really supposed to track your caloric intake on Whole 30, but I did anyway. What I found is that even eating a good sized breakfast, lunch, and dinner along with several Whole 30 compliant snacks throughout the day, I was getting at best 1,500 calories per day. Most days were around 1,200 calories.

According to almost every nutrition app and consultant I checked with, this wasn’t going to be enough calories to establish healthy weight loss. And that is what I experienced. I lost 15 pounds in 9 days doing Whole 30 because I wasn’t eating enough calories.

The solution should be easy, right? Eat more food.

I didn’t feel very hungry. Likely because I had more veggies in those 9 days than I had eaten in the previous 6 months. But also, the cost of meat that is Whole 30 compliant is quite expensive. Meat is where the majority of your protein and calories come from on Whole 30 because broccoli isn’t going to do much for you and you can only eat so many avocados in a day. To eat enough meat to make up the calorie shortage I was experiencing, I’d need to spend almost double on our grocery budget. And then that would take us back to the meal prep nightmare of cooking and dishes.

What I learned from the 9 days of my Whole 30 experience.

There are probably a dozen more reasons I quit Whole 30 and I do feel like a quitter because of it. But I did learn a few great things:

  1. Read the labels on the food you buy. I don’t know why sugar and corn syrup are added to everything, but there are typically alternatives you can buy. When you can choose food without added sugar and corn syrup, do it.
  2. You can make healthy choices at restaurants. Ask for no seasoning or to put the salad dressing on the side. Look for grilled items. Tell the waiter that you don’t want any chips or any bread. Drink water or unsweet iced tea.
  3. Sugar is freaking addicting and while it’s crazy hard to avoid all the time you can make conscious choices to limit how much of it you have in your diet.
  4. If God didn’t want us to eat cheese and bread he wouldn’t have created us with taste buds and would have just given us pellets to chew on for food.
  5. If your body feels a little sluggish, or if your mental state seems off, change your diet for a few days to more grilled meats and veggies and fewer carbs and sugar and see if you notice a change.
  6. Having a meal plan and tracking what you eat is important, but so is being flexible and allowing yourself some grace.

Why would a business and money website write about Whole 30?

There are a ton of similarities to getting better with your health and getting better with money. Sacrifice. Discipline. Planning. Make more money, spend less money. Eat healthier foods, work out more.

I teach people how to change their behavior with money and offer a sustainable lifestyle for managing money and building wealth.

In my opinion, Whole 30 is not sustainable. It could be a good jump start if you need that type of thing. But it doesn’t teach a sustainable healthy lifestyle. It teaches you deprivation. And when there is deprivation there is no hope.

I may tell you to sell your car and drive a junky cash car and to work 4 jobs for a short time period so that you can get out of debt and start to build some wealth. But the hope is that you WILL be able to build wealth.

Since Whole 30 is an unsustainable lifestyle, the only hope in the challenge is to get to Day 31 where you can finally eat a grain of rice or lick a potato chip or smell a chicken nugget.

I quit Whole 30 on day 10. But I didn’t quit chasing a healthy lifestyle. And I’m going to eat a little bit of cheese and some spinach. But never kale.