• No panties here, just some add for insurance. I personally do not do fantasy football, though I am a bit obsessed with watching my alma mater. Still your point is well taken, personal finance is not that hard. You just need to put in the effort like anything else.

  • Subscribe to get more great content like this, an awesome spreadsheet, and more!
  • Good one POF. Anything “guaranteed to pay dividends”, preferably growing dividends, is worth “putting your money where your mouth is”.

  • This is the time of year when I fall into ranks with the SEC. Roll Tide all the way!

  • Nice analogy! I spent loads of time the first 5 years I played FF, and it showed because I was in the top 4 or winning it most years. This year, I didn’t do pre-draft research, haven’t made as many moves as in the past (my average is about 6 a week) and have had general bad luck in picking who has the hot hand this week. Bortles, what happened?! You were supposed to be a solid 8th round steal. My bench however, has been killing it. 🙂

    I hadn’t put nearly as much time into my personal finances those years, but fortunately that was helped out by Mrs. SSC killing it with background investing. This year I’ve put more time into my personalf finances than my FF team and it shows… Sorry Chompy Gators, I let you down!

    Next year needs to be a good balance of both, and I need to reclaim my spot at the top.

  • This Wife's Life

    My alma mater (Texas Tech) was ranked number one in offense, but with the worse defense…and didn’t end up with a winning season. I think I’ll stick to personal finance as my hobby…I don’t think I have a choice. 🙂

  • The ads I got are for items I recently googled and/or browsed at Amazon. So, when someone recently got OSU panty ads it may just be based on their shopping and browsing history. Just saying!
    The nice thing about personal finance is that in a sense it requires less attention than fantasy football: The plain, boring index fund will get you most of the mileage. Sure, you have to keep taxes etc. on the radar, but as I mentioned a while ago, the Pareto Principle applies here beautifully: 20% of the effort will get you 80% of the result. In contrast, in Fantasy Football you’re playing a zero-sum game and try to beat your opponents. That’s much harder than the FIRE game where we can all win and get rich.
    Great read, as always! Good luck in your league!

    • That’s what I said! [about the panties]

      I suppose you could combine the two. Have last year’s winner choose the investment for the league pot. Now it’s no longer a zero sum game. You could be splitting a larger or smaller pot, depending on how the investment does.



  • The closest I’ve gotten to fantasy football was a March Madness bracket. I chose based on how well I liked the teams’ mascotts, then ignored the whole thing until it was over. It turned out that I beat my husband and all his friends who did all the research and spent all the time!

    We sort of do the same thing with investments- total market index funds then set it and forget it. I’ll keep you posted how it all turns out 🙂

  • My first year, I came in 2nd in our league. It really was beginners luck. Worked a little harder and won last year. It was a come from behind win, too. I was in 8th place about 1/2 way through. This year has been disappointing, but oh well. I’m not as in to it with the spoiled brats’ antics this year. :O)

    Boy, I feel left out on the ads, although, maybe they are getting blocked by my adblocker. Some Panther lingerie for the wifey…enough said. :O)

    My Spartan training was a big time commitment and now it is coaching, but both are rewarding and provide plenty of lessons that can be tied back to our finances so still a win I believe.

  • I’m sending this to my FF leagues–love it! I got an ad for a Cam Newton hankie–I guess you can tell I’m a Bronco fan.

  • While I manage my portfolio a little differently than most, I will agree that you’ll get results where you put your time and effort.

    I sure don’t know anything about football, but I might have a few tricks up my sleeve when it comes to investing.

  • Justin Pogo

    I love the Satan I mean Saban reference. Being from Wisconsin I am devastated we lost to Penn State. However, if I was a Penn State fan I would be very angry that they are not in the Playoff. How can the committee let Ohio State in when they weren’t even conference champion, and they lost to the conference champion! It’s like having the Patriots in the Super Bowl but they didn’t even have to play in the AFC Championship game!

    Anyway, I like the similarities you made to investing and fantasy football. For me in high school it was this computer game called Runescape. If only I learned about the stock market then!


    • As a Penn State fan: It’s not that upsetting. Ohio State had the better overall record, a slightly tougher schedule, and they didn’t get absolutely embarrassed by anyone all season (except maybe Penn State in the second half!), whereas Penn State looked like a high school team against Michigan and against Pitt in the first half. And not a high school football team, mind you, but a high school girl’s lacrosse team. Urban Meyer’s hypocrisy regarding his former emphasis on the importance of conference championships is annoying, but that’s about it. 🙂 Ohio State deserves the playoff. Penn State maybe deserves it, but not over Ohio State. Maybe over Clemson, who barely scraped by a lot of mediocre teams, and lost to the same Pitt team at full strength that we lost to with our entire offensive line and half our linebackers out? Or over Washington, who let Rutgers score?

      Anyway, I’m really leaving this comment to send a message to Andrew: You deserve it Andrew. You deserve to lose.

      • Let me add that Penn State required some fourth quarter heroics to force OT against Minnesota at home. The Pitt loss was a tough one.

        And Andrew, seriously, even this guy who doesn’t know you knows you’re doing it wrong.


  • No lingerie, just a list of books on investing (yay! financial porn!).

    I don’t know (or care) about football. I was once dragged to a Stanford vs. Berkeley game by a friend. Tailgating: two thumbs up. The actual game: meh.

    Your larger point is well taken though (and well written). We all too often in our lives spend a disproportionate amount of time and effort on things that yield low returns. A good recent example for me is the theoretical attempt to increase page views to my blog. What should I be doing? Understanding Pinterest strategy, making pretty pinnable images, and pinning like my life depended on it. What am I actually doing? Hanging out on blogs and forums that I enjoy and playing with spreadsheets (I did make one pinnable image on Canva. It was ugly. And that constituted the most boring 20 minutes of my day). Though at least in this case the returns on my happiness are pretty damn good.

  • Ha! No OSU panties showing up here. Or Panthers lingerie. But I’ve already bought so much of the stuff lately that Google probably figures I’m all set in the unmentionables category. Thanks, Google.

    A great read and fun perspective as always, and the key point you make is so powerful that I had to comment just to let you know how fully I agree: All this investing/finance stuff really can be a hobby. A super-lucrative, rich-making, yacht-bearing, fur-wearing, Cristal-popping hobby. By which I mean a really good one. And fun.

    Anyway, thanks for the good stuff here, PoF. Now if you’ll excuse me, I’ve gotta go slip into something a bit more comfortable.

  • I have never been interested in football beyond the background noise it provides… now I feel better, knowing I’ve been working at a suitable alternative, investing 💪🏼😂

    I admire your style in developing this analogy 🙌🏼

Leave a Reply

Your email address will not be published. Required fields are marked *