DonnieG3

Is there a logical reason to not even have a debit account? It assumes no financial risk and just allows you to automate bills. Seems like a no brainer, especially for someone with such few bills

Reading your comments gives such a good insight, thank you for the details!

One thing that came to my mind is how many hours this is of your day. You work more than a full time job + the homestead life hours as well to make this work for you and your family, and I'm curious as to what make sit worthwhile. Because financially, I don't see how it stacks up. Good interest rates and lower taxes are nice, but are they "work 2x as many hours as the avg person in physical labor field" kind of nice?

And past the financial vs hours benefit, is it worth it in family engagement? Most family oriented adults reach a point in life where family time is the most valuable time, and we would trade any amount of work or effort for that. This sort of schedules seems to deprive you of a lot of family time. You travel hours each way for a full work day and then spend time at home tending to your homestead, and labor time is time not spent with your family. Back in the day, this made sense because that was the only option people had, but nowadays you can accomplish these same time and financial goals without so much effort. So what drives you to commit so much of yourself and your family to this?