I'm almost through with reading The Millionaire Next Door which, might I add, has been an excellent book. I'm at a point where the authors are describing the two different types of housewives, and a particular sentence struck a nerve with me. It revolves around parents who leverage their own income and wealth to pressure their adult children into doing something against their child's will.

My case involves my own dad, the pinnacle of financial knowledge in my family, and how he tried to pull this BS on me some 3 or so years ago. We had gotten into an argument over something trivial after dinner. I think he wanted me to drive my brothers to restaurants instead of have him come and pick us all up; god forbid that he abide by the divorce settlement.

I refused on the grounds that I'm not the one who got divorced, so I owe him no such favor. He countered that he was paying for part of my college tuition out of his owe, apparently kind, heart and that this is the least I could do for him...and if I didn't, well, no college tuition for you.

This pissed me off, and rightly so. I've never been one of those people to just bend to other's wills though; a trait that has left me out and to my own devices on a number of occasions. I tend to have a "dont care" attitude for a lot of things, because I'm strongly independant and find that relying on others is more of a weakness than a strength. So I told him "fine, don't pay". He said "fine"...awkward silence...

In the end, he didn't reneg on paying, but it was one of those moments that really tested my courage. I was genuinely afraid of not being able to continue school on account of my dad being a jerk.

The book brought that particular memory back. In addition to the numerous stories it tells, it also follows a theme which describes two types of people. PAWs and UAWs; prodiginous and under accumulators of wealth.

For as long as I've been interested in finances and talking with my dad, I was always under the impression that he was a PAW (good) as opposed to a UAW (bad). After all, he had a big house and he would buy a new car, tv, computer, and put an addition on his house without batting an eye. He's a C level exec at a bank, he's got to make good scratch right? Firmly grounded in financial indepence and whatnot.

Well, not likely.

After reading numerous traits of UAWs, I can say that my dad is one; beyond a shadow of a doubt. Well, I refuse to be one, and I also reject most if not all of the traits of UAWs. I'm not interested in feeding off of the wealth of my parents (what the authors call Economic Outpatient Care). I have no expectation that there will be any</strong> inheritence to be had.

I hope that my sisters and brothers wake up to these realities as well as they pursue their way through their lives and careers. Each one of them is on the verge of adopting the UAW lifestyle even though you'd be hard pressed to get them to admit it.

My sister for instance has $3500 to her name. That's right, her entire net worth. She spends money like a drunken sailor and has needed to be partially bailed out by my father already. Personally, I'd be offended if I found myself in that situation. I refuse to take a dime from them. It's their money, keep it.

I've got a game plan that I've put into place to reach that point of financial independence, and come hell or high water, I aim to met the goal.

In other news, Netflix has totally been worth it so far (thanks Joe). I finished The Dark Knight and Hancock; both excellent</strong> movies.