Lazy Man and Money

  • Blog
  • Home
  • About
    • What I’m Doing Now
  • Consumer Protection
    • Is Le-vel Thrive a Scam?
    • Is Jusuru a Scam?
    • Is Beachbody’s Shakeology a Scam?
    • Is “It Works” a Scam?
    • Is Neora (Nerium) a Scam?
    • Youngevity Scam?
    • Are DoTERRA Essential Oils a Scam?
    • Is Plexus a Scam?
    • Is Jeunesse a Scam?
    • Is Kangen Water a Scam?
    • ViSalus Scam Exposed!
    • Is AdvoCare a Scam?
  • Contact
  • Archive

Can My Wife Retire?

January 25, 2021 by Lazy Man 10 Comments

The very simple answer to this question is yes. It will become clear why as you read this post.

The real question is “Can We Live the Same Life if My Retires?” There are a couple of questions that go along with this, but we’ll get to those later.

Can My Wife Retire?
My dog says that my wife can definitely retire.

When I started this blog in 2006 it was with the idea that I’d explore ideas on how I could retire early. My main motivation was that my wife would be eligible for her military pension at age 43. I didn’t want to have to work another 22 years after her.

Life takes a lot of turns in 15 years. I switched over to self-employment a dozen years ago. Our entire financial dynamic has changed greatly, we were only dating back when I started this blog. We’re now at the natural finish line of that original goal, but added liabilities, otherwise known as kids, have required some changes along the way. I like my side hustles enough that I don’t want to retire from them. My wife is eligible for her pension.

So it’s time to ask…

Can My Wife Retire?

The biggest indicator of being able to retire early in my opinion is cashflow. It’s true you could have a big nest egg (and you may need it), but hate having a “burn rate.” When I started my career as a software engineer around 2000, that term was used to describe a lot of internet companies. It didn’t end well for almost all of them (RIP: Pets.com sock puppet).

We have a big nest egg, but unfortunately, it’s mostly locked-in retirement accounts that we can’t easily access for another 15 years when we are 59.5. There are some ways we can get at the money, which is worth exploring, but for now, we’d like to put a pin in that idea and come back to it later.

Ideally, we’d have more income than expenses. If that works out then we can mostly say “My Wife Can Retire! (and we can live the same life!)” It’s almost impossible to guarantee either income or expenses, so we’ll have to go with what appears to be the most likely scenario. We can overestimate expenses and underestimate income to create a margin of safety.

Expenses

Last week I explored our expenses for the next five years and teased that it was going to be part of a bigger article. Surprise!

Our expenses look like:

Housing$40,000
Schooling$25,000
Transportation$3,000
Food$16,000
Healthcare$1,000
Misc$15,000
Total$100,000

These expenses are averages, but fortunately, they are fairly consistent. After around 6-7 years, the expenses change completely. Our mortgage would be paid off and our school costs would drop to zero if our kids go to public high school.* (We also will have a boost to our income around this time, but that’s for another section.)

School Expenses

When my wife retires, we will not get the military discount for the kids’ school. The cost of tuition would double to $50,000 per year for both kids. That’s crazy!

However, we would be eligible for tuition assistance. The problem is that we have no way to plan ahead for it. The calculation is a secret algorithm by a third party company. We can’t get a sample of the results or even an estimate without uploading all our financial information. Even then, the results are sent directly to the school and not through us first. I’m not very comfortable sending our financial information to the school just to get an estimate for financial planning.

The fact that the school isn’t an easy decision should indicate how much we love the school and value our kids’ education.

I was hoping this wouldn’t be a big unknown, but here we are. The enrollment coordinator said that the financial aid is all over the map. Some people get more of a discount than we are getting now. That’s possible with the drop of income and having two kids at the school. This means that our expenses could drop $25,000 (if we opt for public school), stay the same (similar financial aid), or expand $25,000 (no aid). I don’t think the last option of spending $50,000 is feasible… if we have that kind of money, I’d rather invest it.

For lack of a better alternative, I’ll continue to go with the middle option of where we are now. It’s probably the most accurate of the three as it represents some financial aid.

Transportation Expenses

The transportation number above includes only maintenance, insurance, gas for our already paid-off cars. That’s good for 6-7 years, which is my goal here.

For completeness, I thought it is worth addressing the need new cars. We spent around $23,000 on a Subaru Forester (beach/dog/kid car for me) and $44,000 on an Acura MDX (luxury car for the wife). That’s a combined $67,000, which will last us for 13 years or more. On average that comes out to about $5,000 a year for our physical car expense. Thus we should reasonably budget $8,000 a year in retirement going forward.

While this expense does go up in the future, I’m going to keep it at the same $3,000 number for this exercise. Our housing expense drops a huge amount when the mortgage is paid off. I’ll happily trade $35,000 in mortgage payments a year for $5,000 in car payments on average.

Income

Just like our expenses drop a lot in 6-7 years, our income has a jump at about the same time. Two of our investment properties will have their mortgages paid off, which means we can likely expect another $25,000 of income. As great as that is, we have to get there first.

Because of the drastic drop in expenses and the increase in income, it feels like there’s a definitive finish line – just get to year 6.

Here’s what our income looks like:

Income from my Work

I have this blog, dog sitting, some regular freelance work, and equity ownership in a small company that pays out monthly profit-sharing checks. The combination of these is about $65,000 a year.

However, the blogging income has been trending down. The dog sitting income hasn’t been a lot less due to COVID. The other two parts are consistent, but the income isn’t guaranteed either. On one hand, there’s a lot of uncertainly that I’ll continue to make $65,000 from these sources. On the other hand, it’s unlikely that they all go away. I feel there’s a high likelihood that I’ll make at least $40,000 through a combination of them.

Income from my Wife

Pension: $62,000. It’s a fairly straightforward calculation of a military pension given her rank and years of service. This may be a little on the high side because the pension is the average of your highest 3 years. It’s a very, very good estimate though, especially in comparison to my hodgepodge of income.

My wife could do other things to make an income. I think the first year it might be limited to selling our excess stuff on Ebay. I’d be very, very happy with that because we have a lot to sell or get rid of. I’ll go into more income ideas later on. The goal of this exercise is to explore if a scenario where she brings in no income.

Combined my wife and I would make $127,000 a year. With the uncertainty of my income, it could reasonably be as low as $100,000 a year.

Final Cashflow Analysis

My wife can retire and we’d have $2000 left-over each year. Of course, we wouldn’t really have $2000 left-over because I did a lot of rounding and estimating. However, for a rough analysis, it is extremely encouraging.

To be honest, I was completely shocked that it was close. I was expecting a big shortfall.

If the financial aid calculation for the kids’ school doesn’t go well, we may have a bigger shortfall. Alternatively, we could go to public school and live a more lush retirement while cruising towards the glory of no mortgages and rental income.

The Big Nest Egg

At the beginning of this article, I mentioned that ideally our income would cover our expenses and we could stay cashflow even.

That ideal scenario is close and encouraging, but we’ll still need a big nest egg. The goal is to have $100,000 in spare cash as an emergency fund. It’s an aggressive savings goal considering that we’ve put so much into maxing out our retirement accounts for years. The best way to reach that is to stop our retirement contributions, except for maybe our Roth IRAs if we can swing it.

I would like to have some of that nest egg invested safely, such as in Vanguard’s LifeStrategy Income Fund (VASIX). It’s been a fairly stable fund that returns about 5% on average. It even did well during the collapse in March of 2020. (“Well”, in this case, equates to not losing much value). This could provide us with an extra $5,000 of income to fill a gap or two.

If we need to draw down on that nest egg, we could borrow $20,000 a year for five years, which is a nice cushion.

Other Emergency Options

If cash flow and a big nest egg don’t work out for us, we have a few other options.

We have a lot of money in retirement accounts. They aren’t easy to access before age 59.5, but it’s possible. We could probably get $100,000 in our Roth IRA contributions out tax-free.

We could also refinance the house and/or investment properties over a longer time span. This would reduce our payments and help our cash flow. We’d much prefer to retire all the debt and those mortgage payments forever.

We could cut out the private school, giving us another $25,000 a year of flexibility.

Another obvious solution is that I could go to full-time work with my wife’s time free to do the kid and house management tasks.

There’s a lot to work with and I’m just scratching the surface here.

Challenges of My Wife Retiring Early

What Will My Wife Choose to Do?

For the first year, she wants to have no plans. That makes sense. She’s been working in some capacity since helping her parents clean the windows of the apartment building they managed at age 9.

I don’t think having “no plans” is going to be a long-term fit knowing her personality. I could be wrong, but I think she likes to be busy. I believe that having a purpose in life is important for one’s well-being, so maybe the first year will be able to about exploring that.

As a pharmacist, there’s an option to do that kind of work, but she hates working retail. Also, retail doesn’t usually have part-time hours. She’s thought about giving talks, which is something she does now for her work. She’s also been approached by a couple of universities to teach. She seems interested in that.

She mentioned that she could go work for CVS’ corporate office (based in our Rhode Island area) and bring in a salary of 6-figures that starts with a crooked number. That would be outstanding and I hope she gives it a try for a year to see if it is a good fit.

I’ve suggested working at a wine tasting room or organizing some kind of city scavenger hunt. I think she’d love a second act that is interacting with people in a fun way. Her dream of managing a boy band is still alive as our 7 and 8-year-old are getting more and more musically inclined.

Will I Go Crazy With Her Around All the Time?

Yes, I most certainly will. The only way I’ll get through any of this is if you comment on all my articles. So there you go; you have a role in all this too! You can start with this post.

* Some of the private high schools are ridiculously expensive – $45,000 a year, per kid. We’d need some great grants to make it work and that’s a project for another day – if at all possible. I think a much better financial option would be to work with our high school and a local community college.

Filed Under: Retirement Tagged With: early retirement

Operation “Wife Retire” Activated

August 6, 2020 by Lazy Man 3 Comments

Beach Retire

The plan for my wife to retire was actually set in place long ago. When we met she told me that with the military, she’d be eligible for a pension and able to retire at age 43. That’s one of the main reasons why I started this blog. I didn’t want to work another 22 years after her and start living life at age 65.

That was 2006. We’ve had a great 14 years of financial planning. We’ve seen our net worth growth 4x or 5x. We should be in a great place to begin retirement.

In a lot of ways we are. I have some freelance work, dog sitting, and this blog business that brings in some money. We have some rental properties (from being an accidental landlord) that are losing money but have equity. The mortgages are done in 7 years and should bring in a good income of around $30,000/year after that.

…and yet I’m still very nervous about how to make retirement “happen.”

Now this isn’t a situation where the stay-at-home person, me, is trying to be selfish… or I don’t think I am. To understand why I think I have to explain the unique situation and obstacles.

Obstacle #1: Kids’ Private School

My wife and I treasure the education that the kids get at their private school. It may not be the very best in the country, but it would be above the 90 percentile, maybe even above 95 percentile. We wouldn’t ordinarily consider the expense of sending our kids to this school, but her military discount is exceptional and makes the math work.

However, if she retires, we expect that military discount to go away. Our expenses would go up about 35% at the same time our income drops 40%. That’s not usually a good plan to a successful retirement.

While the school is certainly something that we can eliminate, I think my wife is less willing to do that than I am. They’re in a K-8 school now, and my wife is thinking about private high school (even more expensive), while I’m thinking a combination of public high school and community college.

Do we have to cut a deal with the school? Could we cut a deal with the school? Could we look into another particular (cheaper) school that we’ve some other kids switch to?

These are all on the table. However, approaching the school with these questions takes some tact and timing. I’m often afraid of asking questions when I suspect that I’m going to get an answer that I’m not going like. We don’t know how much of a “what if” this situation even is.

Obstacle #2: Lack of Savings

I’ve always tried to make the smartest financial decision. That’s why I have this blog. In most cases it is to use index funds and retirement accounts to plan for the future. We’ve got a very good nest egg saved up… in retirement accounts that we can’t easily touch.

Many financial bloggers will use Roth IRA Conversion Ladder to get access to retirement money with limited tax consequences. It doesn’t work out as well if you have a pension and if my side hustles are performing.

One answer here may be to take out our Roth IRA contributions over the years. That would give us some savings. Obviously that comes at the risk of retirement growth, but for all the reasons I mentioned at the beginning, we look to be in very good shape down the line.

There are more obstacles, but the previous two are the big and obvious ones that I can see.

My Wife Makes the Call

My wife came up with an idea recently that makes a lot of sense. She wants to have a year of income saved up in cash. That would help cover obstacle #2.

The only problem? It’s been hard for us to save money. Between saving in retirement accounts, paying our house on a 15-year mortgage, private school, travel, restaurants, and the annual surprises, we don’t save a lot of extra cash. We’ve found that in COVID-19 world the lack of travel and restaurants allowed us to save more. My freelance work has also helped. While I still haven’t settled out the month’s bills, I think we’ll be at a quarter of a year’s income saved up.

More Plans to Be Made

On my plate is to do a more comprehensive review of our expenses. I’ve been estimating our necessary expenses for a long time. However, it’s been a while since I even ran one of those estimates. I want to be able to provide an analysis of expected income and expenses, with and without the school. In the end, I expect that will only be a guide… my income numbers fluctuate and our expenses fluctuate as well.

Sabatical or Retirement

My wife isn’t likely to go into permanent retirement. She wants to start her own consulting company using her Pharm. D. and pharmaceutical policy MBA. I don’t know anything about this field. She doesn’t know anything about the private sector. There’s a lot of potential research to be done there. It’s possible she pivots to be an even higher earner than she is now. It’s also possible that she tries to start a boy band with our kids and few of their friends.

It’s great to have those kinds of options, but it’s more uncertainty. Obviously with all this uncertainly, it’s best to plan for the worst-case scenario. There are two problems with planning for the worst-case scenario:

  1. Planning for the worst case of all the above scenarios could mean that there’s no retirement in sight in the short term.
  2. If 2020 has taught us anything, you can plan for one worst-case scenario… but there can always be another one right it.

Final Thoughts

While it seems like we’ve already taken ten thousand steps towards retirement, this feels like the first real step. It’s one thing to increase your options for the future. It’s another to try to formalize the steps and move forward with them.

Filed Under: Retirement Tagged With: early retirement

Personal Finance Links (Mother’s Day Contest Winner Announced)

August 1, 2011 by Lazy Man 3 Comments

I’m not one for suspense, so the winner of the Lazy Man’s Mother’s Day Contest was Tyler of Starshard0’s Super Blog. Congrats!

I’m really running out of time to come up with questions for personal finance guru, Jean Chatzky, so I could use some help on that front as well.

In other thoughts…

  • Sports – Celtics and Red Sox on at the same time tonight… both on national TV. This could be heaven or hell.
  • Doggie Savings – I found you can save a good amount of money on Firminators and puppy training pads on Ebay.
  • Gearing up for the move – I’m moving 1.5 miles next week… so I might not have as much time to write as much as I normally would. Then again, I have a few half written ideas around here somewhere. I hope they aren’t all from 2006 and being bullish about Bank of America.
  • Brip Blap converses about early retirement or meaningful work?
  • Frugal Dad offers up 14 quick ways to raise cash.
  • Generation X Finance urges readers to consider the impact on your finances when taking a paid leave of absence, FMLA, or disability from work.
  • Million Dollar Journey asks should you break your mortgage for a lower rate?
  • Digerati Life discusses children and money in a young entrepreneur learns about business.
  • Money Smart Life inquires how do you cope with fear?
  • An auction experience to remember: reflections and more at My Dollar Plan.
  • The Sun’s Financial Diary blogs about the economic recovery payment for Social Security recipients sent on May 7.

Other Financial Posts:

  • Free Money Finance teaches readers how to ask your doctor, hospital, or dentist for a discount.
  • Bargaineering discusses the cost of filing for bankruptcy.
  • Consumer Commentary writes on the unownership society.

Filed Under: Links Tagged With: early retirement, filing for bankruptcy, money finance, personal finance, social security recipients

Financial Freedom in Five Years (and the Difference Between Rich and Wealthy)

January 27, 2013 by Lazy Man 33 Comments

Below is a guest post from Early Retirement Extreme. As you might imagine from the title of his blog, he writes about extreme ways to retire early. This article serves as a good introduction to that philosophy. I encourage you to sign up for the Early Retirement Extreme RSS Feed.

Being wealthy means having lots of opportunities. It means that you can do whatever you want. You have connections to people, you know how to get things done, and you have all the resources to do so.

On the other hand, being rich merely means having a lot of money to spend. You can only be rich at a high level of income, and the only way for a rich person to accomplish anything is to pay for it. Obviously, paying for it makes the person less rich and therefore rich people have to work hard or eventually run out of money.

To make the distinction clear: You can make someone rich by giving them a lot of money, but there is nothing you can give to anyone to make them wealthy. Wealth only comes through your own effort.

Yet in our consumerist society, most people dream of being rich, or alternatively famous or powerful, although I suspect those are merely seen as short cuts to getting rich. Far fewer dream of being wealthy and even fewer dream of being wise. There exists now, in our society, a prevailing attitude that you can get something for nothing. Just witness the free lunch people expect in the stock market where anything below 10% APY is considered bad performance. Contrast this with the attitude of just two-three generations ago, where TANSTAAFL prevailed and successful money management was mainly about preserving principal rather than using money to magically make more money with no apparent effort.

No, you must give something to get something. In my experience as a blogger, the main points of resistance towards change, that is, where people argue the most that it is impossible for them to change, are their house, their driving habit, their food, and lately their cell phones. These are also the areas that make the biggest impacts on their life and prevent them from becoming wealthy.

Here’s a sure-fire way to achieve financial independence in a handful of years.


  1. Go to craigslist.org and click on housing and enter $200 minimum and $400 maximum in the search form. Pick something that lies so close to your work that you can walk or ride a bike there. Also make sure that this also holds for the nearest supermarket.
  2. This place will likely be smaller than what you are currently living in, so get rid of everything which does not fit and that you are not using anyway on freecycle.org — you might want to start this process early, since it is a lot harder to get rid of stuff than it is to buy it.
  3. Sell your car. You don’t need it anymore.
  4. Stop buying stuff. Make the stuff you already own last. Trust me, by the time you wear it out, you will be financially independent.
  5. Decrease your other running expenses. First, learn to cook. If you think of meat and cheese as treats you can easily stay under $100/month. For instance, I eat meat about once a week (There’s a reason they are at the top of the food pyramid along with candy). Drop superfluous insurance. Drop your expensive cell phone plan. Drop your cable TV.

Calculate your new monthly expense level (E) and compare it to your monthly after-tax income (I). Now, compute 25*E/(I-E). This is the number of years it takes you to reach financial independence).

Now this may seem harsh — especially the thing about selling your car, right? ;-) — and it is difficult when someone is completely inexperienced and used to spending money on everything and most people either say “that’s fine for you, but I could never do it” (think of the children!) while others try for a little while but then give up because it feels too challenging. It is in many ways like taking the bottle away from an alcoholic. He does not know either how he could possibly be happy without being inebriated. The non-alcoholics are just fine without getting drunk on a daily basis, but for the alcoholic getting through the emotional hangover of preconceptions and prejudices about life as a sober person is hard.

However, after about a year (Hey, I said it was not going to be quick and easy), an amazing personal transformation takes places. What always happens is that you will think of your new home as home rather than a sacrifice, much like when you move into a place with a nice premium dollar view yet after two weeks, you hardly look out of the windows anymore. Too, at that point you will be used to walking and biking everywhere that such simple “exercise” does not seem like a strenuous and boring labor (the average American only walks 400 yards a day). A year of not running down to the mall to buy a gadget every time there is a problem and the accumulated experience successfully finding ways to bodge and improvise solutions, and you will see new problems as challenges to be overcome with the resulting feeling of accomplishment. Conversely, having to buy anything will be seen for what it is, a failure to competently solve your own problem; buying new things will feel positively bad.

Many, who has initially seen such extreme frugality as deprivation, will come to see that consumerism is merely another form of deprivation aimed at reducing personal creativity. For instance, buying a chemically treated 4 hour log at the store and lighting it with a Bic lighter prevents you from exercising your skill in stacking up a fire with kiln, twigs, and real logs, which you may also have use a maul to split yourself, and starting it with a cotton ball dipped in vaseline; or learning that trick in the first place.

Hence, first, you become wealthy in terms of experience. Do not confuse experience with experiences. Experiences is typically something you buy for money like flying to Africa to observe a tiger or two, going to a concert, or eating something at a fancy restaurant, but all those are merely events. The experience I am talking about is akin to when one speaks of an experienced engineer or an experienced carpenter, when a lot of experience means that the person have seen and successfully solved a lot of problems and that he or she can be expected to produce quality work.

Once you have that kind of low-impact frugal experience, you can expect to live a quality life with far fewer expenses than a regular consumer. If you are still working and saving 75% of your paycheck, savings go up rapidly. This means that financial independence is achieved in short order. For instance, after 5 years I was able to cover all my expenses with interest and dividend income from my savings and investments. This significantly increased my freedom and opportunities. As I was no longer tied to my income, I decided to focus more time on things that were more meaningful and interesting to me rather than spending most of my time building my resume and concentrating on my career. Thanks to this I replaced my stressful salaried job with an hourly but equally well-paid high-skill job that I work at for about 15 hours a month; I blog for fun rather than income which also gives a lot of freedom in terms of posting schedules and advertising; I spend a lot of time on sports (about 5 times a week); and I now have the pleasure of working with (no longer for) people from a wide array of interesting fields.

Although being frugal is the best way to attain your financial freedom decision making also plays a big role. Be sure to educate yourself regarding all investments you choose to make. Annuity Straight Talk’s pros and cons of annuities is a great example of a site that helps its members make the right decision prior to any investment. This way of thinking will essential get you ahead on your path to financial freedom.

That is what I call wealth and there is no secret to it. Anyone can be wealthy, but not everyone can be rich.

Be sure to read more about How Jacob became Financially Independent in 5 Years.

Filed Under: Frugal, Psychology Tagged With: early retirement, successful money management

Our Early Retirement Plan: Motivation, Numbers & Tools, and Conclusion (Part 5)

November 1, 2008 by Lazy Man 4 Comments

If you are just starting this, I suggest you start at The Introduction – Part 0. Alternatively, you can jump to Our Early Retirement Plan: Where We Are Now (Part 1), Our Early Retirement Plan: My Personal Income (Part 2), Our Early Retirement Plan: My Wife’s Plan (Part 3), or Our Early Retirement Plan: Obstacles and Expenses (Part 4).

In the end, for us to succeed, we are going to have to continue to be motivated towards our goals, continue to learn about better ways to reach them, and act on the things that matter.

Part of the learning and motivation come from reading articles like the Money Magazine one that I highlighted in the beginning. Still others may come for friends and peers like My Dollar Plan’s escape from the rat race.

In part 2, I mentioned that retirement planners suggest that you can withdrawl 4% of your retirement nest egg each year and still maintain the principle. When I looked at our finances, we aren’t close to having the funds to live off of that. However, when you add my alternative income from “retirement lifesytle jobs”, an inflation-adjusted pension, two modest retirement nest eggs (and time to grow them), two investment properties, it may turn out to be a decent income. If we continue to practice our frugal lifestyle and catch a few breaks (me doing the child care while working – if possible, and getting cheap health care from the military), I think the plan is entirely possible. It’s easy for me to sit here and speculate, but what about a real world test? Glad you asked.

One of the most useful pieces of software is Bill Sholar’s FIRE Calc. I ran some rough numbers through there to see how we’d do. Looking at the publically available military charts it like my wife should have a military pension of around $50,000 in today’s dollars indexed for inflation. At the same time, my websites and businesses should be at least at $48,000 in annual income in 11 years. This is an extremely conservative estimate as I should make $40,000 this year – and I see a lot more growth on the horizon. Next we looked at what our expenses might be. Our rent, our biggest cost, is $24,000 this year. I suspect that we could easily get by on $50,000 given our frugal lifestyle. Just to build plenty of wiggle room, allow for some great vacations, or save some money for the potential children, I estimated that we’d need $80,000 a year. These numbers disregard any potential income from social security, our investment properties, or savings my wife might make until she retires. The calculator says that we could live until age 100 with around 11 million dollars. That might sound like a lot, but it is closer to $1.5 million in today’s dollars – still not chump change.

My hunch says early retirement is possible. The FireCalc tool seems to say it’s possible. It’s going to be something that I’ll have to look at every year, but at this point it looks like we are on track.

Filed Under: Retirement Tagged With: early retirement, frugal lifestyle, military charts, military pension, personal income, retirement nest egg, retirement plan, retirement planners

  • 1
  • 2
  • Next Page »

As Seen In…

Join and Follow

RSS Feed
RSS Feed

Follow Me on Pinterest

Search The Site

Recent Comments

  • Joe on To Ramit or Not To Ramit?
  • Wesley on To Ramit or Not To Ramit?
  • Lazy Man on Should Superfake Handbags Be Illegal?
  • Steveark on Should Superfake Handbags Be Illegal?
  • Lazy Man on Should Superfake Handbags Be Illegal?

Please note that we may have a financial relationship with the companies mentioned on this site. We frequently review products or services that we have been given access to for free. However, we do not accept compensation in any form in exchange for positive reviews, and the reviews found on this site represent the opinions of the author.


© Copyright 2006-2023 · Perfect Plan Publishing, Inc. · All Rights Reserved · Privacy Policy · A Narrow Bridge Media Design