There is one detail about our family life that tells you pretty much everything you need to know about John as a father and, really, as a person, and here it is: when our kids cry out in the middle of the night, they call for Daddy.
I know this is unusual, because every time it comes up in conversation the other person is staggered. Moms are simply the default middle-of-the-night parent, it seems. And this makes sense, to a certain extent: if you’re breastfeeding, you are the one that’s needed in the middle of the night. And then, as with many other patterns, it simply… continues.
That’s not what happened in our family. It turns out I am a very deep sleeper, and so when June was born, I would sometimes sleep through her baby cries (even though she was in the same room as us). John, though, would hear her. He would go to her in her bassinet, change her diaper by the dim light of the cracked bathroom door, re-swaddle her, and then deliver her to me to nurse. Every night, often multiple times a night, without fail.
Maybe it’s that imprint of him coming to each tiny baby’s aid from their earliest days, or maybe it’s the relentless gentleness, attention, and care he’s paid them every day since. For whatever reason, when it’s dark and our children are scared, or cry themselves awake from coughing, or vomit into their favorite stuffies and blankets, or bolt upright in bed, suddenly desperate for a sip of water, Daddy is the one they call for. They know he will always come, and they know he will always take care of them. He’ll turn on the nightlight, he’ll bring them water, he’ll change the sheets and pajamas and find new stuffies and tuck them back in. All, many times, without Mama even knowing anything is happening.
One day, our children will realize how extraordinary their father is, and how lucky they are to have him: a Daddy who loves deeply, and sacrifices deeply – a Daddy who loves them so deeply he’d never call it a sacrifice. But I know this now, and this weekend I’ll honor him and all of the other extraordinary dads loving and sacrificing quietly, gently, day in and day out. Happy Father’s Day. xo
The gallery of photos from our family session with Ally & Bobby arrived in my inbox a few days after John tore his Achilles’ tendon – the day before his surgery. What a slice of sunshine in a week when we really needed it! Of course, no matter when they arrived I knew they’d be a treasure, but the timing did feel like a gentle nod from God. These were my first maternity photos in three pregnancies, and I’m so happy I got to capture them surrounded by my family (at 28 weeks). Here are a few, if you’d like to see!
Our session lasted about 45 minutes, and for the last ten, the kids were pretty loopy. It helped that they could wander in the tall grass of the NC Museum of Art to their hearts’ content in between shots!
I ended up wearing the pink striped Hill House Nap Dress borrowed from Kristin, and am so happy with the choice. Thank you, K!! I can heartily endorse it as a maternity option – the smocking makes it very comfy! June’s sweet dress is from Amazon, John is wearing his favorite All Day shorts, and both kids are wearing Saltwater sandals (here and here).
We already knew Ally socially, but had never shot with her personally before this session. As we were driving home, John was like, “Are all photographers that encouraging? She was so excited about everything,” ha! While I do think all photographers work hard to put their subjects at ease and make them feel good, Ally does have the sweetest spirit and just the most delightful, bubbly personality. We LOVED being photographed by her!
My only hesitation before booking Ally was whether she’d capture the energy and motion of a young family, because I was much more familiar with her (serene, gorgeous!) wedding photography. As you can see, I needn’t have worried :)
My heart. We are so very lucky to have him as the Daddy in our family.
It really hit me when I looked at these photos – how crazy and wonderful it is that there will be a third little face squeezed into the frame the next time around! We feel so very lucky to have had this season captured for our family, and excited for what’s next!
Wishing a very happy Father’s Day to all this weekend, in whatever way you’re celebrating, and a happy Juneteenth!
In honor of our anniversary, I have a relationship-themed Marvelous Money post for you today! (Boy, between this and my post earlier this week, I’m sure leaning hard to the unromantic side of married life for anniversary 8, ha!) Today, I thought I’d tell you a bit about our bi-monthly net worth meetings: what they are, why we have them, why we love them, and why they’re incredibly helpful for our financial progress.
What is a net worth meeting?
A net worth meeting is our chance to review our family’s finances in the big picture. We celebrate progress, check in on our financial goals, discuss challenges and opportunities, and do a bit of nitty-gritty budget upkeep. And, as you might have guessed from the name, we calculate our family’s net worth.
We hold our official net worth meetings every other month, usually in the second weekend of the month unless we’re traveling or otherwise occupied. In this season of our lives, they’re held in the afternoon while the kids are resting, or in the evening.
Tell me more about what you do in this meeting.
Well, first John calls the meeting to order, then we take attendance… j/k j/k. “Net worth” sounds very official, but our meeting is not! Generally, we like to get the small stuff out of the way first by entering any outstanding transactions into our budget doc. (We each have responsibility for entering certain cards and accounts into the doc, which we do about every two weeks, but this is an opportunity to catch up as needed and ask each other any categorizing questions.)
Once the budget is fully up to date, we’ll flip to the “Net Worth” tab of our doc. (For more about the custom Google Doc we use to track our budget, read this post! It’s a bit out of date, but the premise is still the same.) Here’s what it looks like:
Note: these numbers are completely made up, so please do not read anything into them :)
On the left, we’ve listed every single place we have money or an asset. This includes our checking and savings accounts, our IRAs and 401ks, our investment accounts, our kids’ 529 accounts, and our home equity. Yours might include other categories. For us, right now, this is a total of 20 places (I’ve simplified above).
One by one, we log into each of those accounts and enter the current amount as of that date (to be exact, one of us logs in and reads out the totals, the other is the typist). For the home equity line, we simply subtract the remaining principle of our mortgage from the amount we paid for our house to keep things simple. In cell B4, a formula totals everything together – our assets.
In the middle, you can see a column for our liabilities. Currently, this is just our mortgage, but previously we had entries for car loans and student loans. We do the same thing here – log into the account and enter the current number.
All the way to the right, a formula in F4 calculates our net worth – our total assets (B4) minus our total liabilities (E4). We also like to track our more liquid net worth, which for us is our net worth minus our retirement accounts, our HSA, and our home equity. That’s in cell F5.
Next – and this is the highlight of the meeting! – we click over to the tab next door. This tab is called Net Worth Over Time, and for us, it dates back to July 2012 – two months before our wedding, when we began having these meetings! This is what it looks like:
Obviously I have deleted the numbers, though that is our actual chart over the last 8 or so years. This screenshot only shows a fraction of the months we’ve tracked – rows 2-5 scroll and scroll to the right to go all the way back to 2012!
To update this tab, we enter the new numbers for assets, liabilities, net worth, and liquid net worth and then adjust the graph. Generally, it goes up – which is exciting! It’s nice that you’ll see the line go up whether you’re focused on paying down debt or building up savings.
That’s usually the meat of the meeting, but if there’s a challenge or opportunity we want to talk through, this is often a great time to do so. We are comfortable talking about money and it comes up regularly in conversation, so we usually don’t wait for one of these meetings to, say, talk about an upcoming trip or change in our investment strategy, but if you’re newer in the process, using this set aside time for that might be helpful.
Finally, because I know the budget is as up-to-date as it will ever be, I’ll go through it category-by-category to make sure we’re on track for each one, and adjust as necessary (of course, always making sure our total in the ISE is in the black!). Again, for more on how we budget, go here.
Why should I have one of these meetings?
First and foremost, we consider these meetings an opportunity for celebration. They’re a way to recognize the good decisions we’ve made and the willpower we’ve exercised, to cheer ourselves on to do more of those things. Saving money is often not “exciting,” especially over a long timeframe, and so we find it helpful to build in excitement where we can, to keep us motivated for the long haul.
A comment my friend Kelly made years ago on an MM post brought home why this is important. She commented that she often feels like the money she puts into her 401k “isn’t real,” since it’s taken right out of her paycheck and she basically never sees it again. While in some ways this is good (you don’t need or want to be checking in on longterm investments constantly!), you’re also missing out on a chance for motivation if the money you’re saving never becomes real to you. If you see the amount adding up over time, and watch compounding work its magic, you even might be motivated to save MORE!
Second, working toward a goal together is great for a relationship. It gets you on the same team! Whether it’s a money goal or a fitness goal or a trip you’re working toward, feeling unified in the things you want bonds you together. These meetings help with that.
The final and really important reason to have a meeting like this is so that both partners have visibility into the family’s finances. In a very practical sense, they help make sure both partners know what accounts exist, where they are held, how to log into them, and approximately how much money exists and where. No matter how duties are split, everyone should know the basics.
One final point to address: I hope this has been clear throughout this post, but these meetings are not about us counting up our money for the sake of having money. Having money is not evil, but it’s also not the point. For us, the point is freedom – freedom to live and give how we wish, to the best of our ability and for the glory of God. We also believe our money has been entrusted to us, and we want to be wise managers of it. A wise manager checks in and makes adjustments to get the most out of what they have, and these meetings are one way to do that.
Friends, I would love to hear: do you currently have a financial check-in? (And YES, you can totally have one of these if you’re single!) Any questions about our meetings, or requests for a future MM post?
Today is our eighth wedding anniversary! Eight years ago today was the most beautiful, crisp, blue sky Saturday in Connecticut we could ever have asked for. I can still feel moments so clearly from that day – literally feel what the air, the dress felt like on my skin. The memories from earlier are clearest: arriving to the Inn for hair and makeup in the dark of the morning, sitting on the bed to copy out my vows onto an index card while the moms and sisters milled around, stepping out of the car at my house, standing on the point in the breeze and sun waiting for portraits to be taken. It was a perfect, beloved day.
The eight years since then have been equally beloved. I am a words girl, and yet words could never express the relationship John and I have, or how precious it is to me. He is my other half, my best friend, the most loving dad, the first person I want to celebrate or cry or dream or do anything else with. He makes everything more fun, he holds everything together. He is principled, loyal, hardworking, smart, generous… I could go on :) God is so very good to have created him and to have brought us together.
And yet, we are still two imperfect people. We leave the dishes in the sink, lose our patience, snap at each other, disagree about how things should be done, argue over whether food in the refrigerator can be eaten. And so today, for this celebration of long-lasting love, I thought I’d share something practical that has been incredibly helpful in our marriage: specifically banning certain phrases.
Like us, I’m guessing you have phrases that, when uttered by your partner, (almost) literally send you through the roof. It’s like you can feel your blood pressure rise, your face redden, maybe some smoke come out of your ears — taking an otherwise level 5 argument to a level 10 in a snap. We have two:
The first: “What is wrong with you?” Which is usually expressed more like, “what is wrong with you?!?!?” This needles us, I think, because it implies that WHO WE ARE is the problem, not what we are doing or thinking.
The second: any variation of “calm down” or “relax” – because obviously, those are the least calming or relaxing words in the English language, and the last thing you want to hear when you are decidedly not calm nor relaxed.
For you, it’s probably other phrases. Maybe you can think of yours right now :)
Once we realized that these phrases had a unique ability to explode arguments, we simply decided to ban them. And for several years, we have, to great effect. Of course, we still get into arguments, but this simple change has helped us work through them in a more productive way and left us less bruised in the process. In fact, if one of us lets one slip on accident, they actually now serve as something of a pressure release valve, taking down the temperature a few notches.
How comforting it is that the smallest changes can make such big differences even in relationships as grand and complicated as marriage! Whether things seem hard or easy in yours right now, never hesitate to move the needle just a little bit in the right direction. It will make a difference.
Now, of course, I would love to hear: what is the phrase that is (or should be) banned in your relationship? :)
All photos by Tanja Lippert, who is the literal best. I opened up the folder to choose a few images for this post and didn’t get past our wedding morning – then thought it might be fun to share a few “behind the scenes” snaps. After all, after eight years, you’ve seen all the glamour shots already :)