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We are Dedicated to Your Financial Success

If you want to use your money to build a better life, you’re in the right place. 

Every piece of content on this website is dedicated to one simple goal: to help you use your finances to create a life of freedom.

To help you achieve your financial goals, we provide expert content and research-based financial recommendations.

What Cash Cow Couple Means to Us:

The phone rang, Jacob answered, and I held my breath.

The University was on the line to offer Jacob a tenure-track position at their research University.

When he hung up, excitement and relief quickly morphed into the heavy realization that we had a big decision to make.

Option 1: Take the job and quit blogging.

Option 2: Turn down the job and pursue blogging together.

There was no way to do both without working 80+ hours a week, something Jacob had been doing for 5 years and was no longer interested in.

So, should he take the safe and rewarding job in Academia or continue to build the website he had poured blood, sweat, and tears into for 5 years while completing his Ph.D.?

It was a weighty decision, and we spent several days deliberating in agony.

In the end, we chose to put his Academic career on hold to pursue this blog. We decided that our desire to learn, add value, and teach others together was more important than all the shiny certainties of the University job.

With that decision, we left behind the comforts of a set income, employer-matched 401k benefits, employer-provided healthcare and dental coverage, and a predictable 9-5 schedule.

Still, we chose Cash Cow Couple because we believe it is our highest calling and our greatest chance to positively impact the lives of others. We consider blogging to be the ultimate privilege, and the fact that we get to spend our days learning and teaching is humbling and motivational.

When we started this blog in 2013, our goal was to track our financial progress and join the movement of people pursuing financial freedom.

Now that we have achieved financial freedom, we blog because money matters, you matter, and we can help.

We’ve risked everything to provide a place where you can accumulate knowledge about your finances and use it to improve your life. We take our job to help you find freedom through your finances very seriously, and we’re so glad you’re here.


Jacob Lumby, Ph.D

Dr. Lumby earned his degree in Personal Financial Planning from Texas Tech University. He loves to read, play frisbee, and travel.

Vanessa Lumby

Vanessa has her Bachelor of Science Degree in Administrative Management from Missouri State University. She loves to learn, cook whole food/plant based meals, and stand up paddleboard.

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