It’s supposed to be hard, if it wasn’t hard, everyone would do it. The hard is what makes it great. – Jimmy Dugan, a League of the Own

Many of you know that I spent the first 5 years of my career as a teacher and coach. My first job was a junior high coach in a district east of Austin. In addition to our junior high responsibilities, we assisted the high school with scouting and game film on Friday night and Saturdays.

Spring Break is this week. I thought it would a good opportunity to review this letter from last Spring:

My wife is pretty ruthless about throwing things out during the year. Our kid’s toys accumulate. Our storage closets accumulate. It’s hard to keep up.

The same happens in our finances. Over time we tend to accumulate monthly payments, different types of accounts, and financial products. But how often do we grab a metaphorical garbage bag and get ruthless with our finances?