How I Have More Time Than You

Every month I do a check-in on my goals for the year, to keep myself accountable and remind myself every month to get back on track for things I’ve neglected. You can check out last month’s report out here, if you’re interested.

One of the questions I got in the comments and on Twitter is how on earth I have so much time. After all, I’m the mother of three boys, ranging in age from 13 to 2. I’m the breadwinner  of my family. I write four blog posts per week. I have a demanding job in IT, usually leaving the house at 7 AM and getting back home between 6 and 7 PM. I’m in a leadership development program at work, and I read/review four books every month. I also have personal goals related to family, trips, art, and baking. How do I find the time to do all of this?

I get asked the same thing at work, actually. I can accomplish more in one eight hour day than my co-workers can in a 12 hour day. In fact, most of my co-workers believe I work 55-60 hour weeks – or more – and I don’t bother to correct them. In fact I found I could relate to this article by Harvard Business Review, where men are pretending to work 80 hour weeks. Although I’m not a man, obviously. One of my co-workers once told me they’ve only read about people like me in books, and I’m still not sure if that was a compliment or a backhanded way of calling me weird. Probably both.

I don’t find the time – I make the time, through both the things I do and the things I don’t do. Remember that we all have the same 168 hours in a week, whether you’re a corporate CEO or a college student. If you’re sleeping 8 hours per night, which I do, you need to subtract 56 hours for sleeping. So that leaves 112 hours. Let’s say I spend about 11 hours per day working and commuting, five days a week (about right most weeks). That’s another 55 hours gone, so I still have 57 hours to do everything else.


Guys – that’s a lot of hours!

I remember a few months ago Laura Vanderkam was doing a book tour through the various podcasts I listen to about her new book “168 hours“. I found myself nodding along, thinking about all the wasted time most people have in their days/weekends. Check out her TED talk on the topic below.

So how do I do it? How do I accomplish more in a day of work than some co-workers do all week? How can I accomplish so many of my personal goals? It’s through both the things I do, and the things I don’t do.

I can still remember reading a list like this in The Tightwad Gazette, one of my favorite personal finance books when I was young and broke. Amy Dacyczyn, the author, went through how she “did it all”. The secret was that she didn’t really do it all. She selected things that didn’t add value to their lives and just…didn’t do them. But the things that added value for her and her family were priority. I still try to keep that in mind today, when something is taking up my time. Is this actually worth the time I’m spending?

Now, a warning  – YOU WILL HAVE A DIFFERENT LIST THAN ME. Some of my “must do’s” won’t matter to you. And some of the things I don’t do will be important to you, and you’ll want to do them. Or maybe you’ll have to do them because no one else will. That’s fine. I’m going to assume that you’re not the female breadwinning, sole income earner of a family of five working in a demanding IT job (and if you are, Hi! drop me an e-mail, Internet twin), so it would make sense that your list is different than mine.

Find the things that don’t add value to your life and ruthlessly cut them.

Here are the things I don’t do. No apologies.

  • Cook dinner on weeknights – My husband does that
  • Take care of the baby when he wakes up in the middle of the night – Ditto
  • Clean the house – Same. And I have low standards, as long as it’s relatively clean it doesn’t need to be spotless. I have three young boys – white glove level clean is not a priority.
  • Make lunches for school/work – My husband does that too
  • Police homework/studying, which is to be done when the kids get home from school – Yeah, my husband does this too. Although when my oldest needs help with his homework that falls on me. I’ve had text message conversations helping him with math.
  • Drop off/pick up oldest from his magnet school bus stop – Yup, same answer (thanks dear!)
  • Do the laundry – You guessed it
  • Have my kids in a million activities – I’ve made this mistake in the past and it disrupts my kids and our family. The oldest focuses on Boy Scouts, and he’s currently a First Class scout. My middle son does band (but that’s during school), drama club, and Cub Scouts. No running around the state with travel sports or having my weekends taken up with tons of activities
    • NOTE: This is because my older boys aren’t interested in sports. My oldest goes to an art school, he’s very artistic and pretty much hates all sports. My middle son has done soccer in the past, and tried football, but didn’t like them. If they enjoyed sports I would encourage their interest, but they don’t.
  • Watch TV – I don’t have cable, and haven’t had it in many years.  We have Netflix, HBO, and Amazon Prime streaming, but I literally only watch 1-2 hours per week unless I’m sick or something. Why? I actually don’t like watching TV. Yes, this means that when people are talking about the cool new TV shows or advertisements I can’t join in. And I don’t really care. I’d rather be learning something than watching TV
  • Go out to eat – This is a time suck in addition to a money suck. You have to drive the the restaurant. Be seated. Order food. Wait for food. Try to entertain toddler so he doesn’t scream and throw utensils everywhere. Eat food. Drive home. We go out only once a month or so. It’s expensive for a family of five, and making food at home just saves so much time. The hour and a half spent at a restaurant can be spent making a dinner that will last two nights, and the $40-$60 it cost can buy groceries for many meals
  • Shopping for fun – I hate shopping. I don’t like going to the store and shopping for clothes, trinkets, stuff, etc. I order things off Amazon if I need something specific, and I do all my grocery shopping at one warehouse club store once a week.
  • Fancy hair, makeup, or clothes – All my clothes match, and that’s done on purpose. I am not a fashionable person. I wear black pants and a matching shirt every day, and jeans and nice shirts on Fridays. Weekends it’s jeans and a shirt. Since everything matches I don’t need to spend time thinking about what to wear. And I ruthlessly purged any clothes I don’t wear, so my closet is full of good (to me) things. It takes me only 10-15 minutes to get ready in the morning, including hair and makeup.
  • Coffee and lunches at work – I pack my lunch and my coffee. I have a French press at my desk and make myself fresh coffee (ground in the morning) every morning and afternoon. Most of my co-workers spend at least an hour per day getting lunch, breakfast, and coffees at the work cafeteria.
  • Chit chat at work – I try not to be rude about it, and I’ll have a few short conversations about weekends and such. But most times I get straight down to work. I don’t want to waste my time, or theirs, talking about how the other person is drinking a lot of water lately and needs to go to the bathroom a lot (?!? a real conversation someone tried starting with me the other day).
  • Working evenings, weekends, and on vacation – Working in IT sometimes you need to work late or on a weekend, but the key here is need. My standard for needing to work those times is very high. I’d rather get more accomplished during the day so I have my nights and weekends free. I have plenty of co-workers that think they’re rocking it because they’re online until 11 PM sending e-mails. No you’re not, you’re just inefficient. “Work expands to fit the time available” – so I shrink the time available.

You can see that a large part of the “things I don’t do” are taken by my husband. That was part of the stay at home dad deal, that his job would be running the household and enabling me to succeed at work.  So when I do need to travel, work late, etc. he’s running around with the three boys. If the two year old wants to stay up but I want to go to bed, I go to sleep and my husband stays up. In the past we’ve had different arrangements, where my husband and I worked opposite full-time shifts, and then I did more of the cooking/cleaning. Just not now.

Cut Ruthlessly

I also don’t get caught up in the guilt of the “things a good mom should do.” I don’t care what other people do. If someone else wants white glove standards of clean, or is part of a two earner household where chores are split more evenly, or their kids love sports – that’s fine, you don’t need to defend your choices to me. This is just what I do, and what works for me and my family at this point in our lives. I fully expect this to change and shift over time, just as it has in the past 15 years I’ve been married.

Things I Do

“All right CMO,” you may be thinking, “now I know what you don’t do. Well what do you do to get more time? This must be where the secret is!”

No secret here, but these are the things I do:

  • Early to bed and early to rise – I go to bed between 8 and 9 every day – even weekends. And I get up between 4 and 5 AM. Why? So I have more time in the mornings to write and read.
  • Early to work – I leave for work at 7 AM and arrive before 8 AM. This is significant because no one else gets to work that early. I get there about an hour before most, which gives me plenty of time to prepare for the day, respond to e-mails, and so on.
  • Use driving time – I have a 45 minute commute each way, so an hour and a half a day. With that time I listen to podcasts to learn about personal finance or life in general. Stacking Benjamins, Afford Anything, Her Money, So Money, The Money Guy, and the Tim Ferriss Show are all in my weekly rotation.
  • MIT List – At work in my early mornings I make what I call a MIT list. It stands for “Most Important Things,” and it’s the list of three things I must accomplish that day, no matter what happens. I don’t leave work until those three things are done. Sometimes I get them done early, sometimes later, but they always get done. Focusing on just three things helps me not lose focus throughout the day, and makes sure I get those things done. You can use the same concept in your personal life too.
  • Lists everywhere – I have a lot of lists. Grocery lists. To do lists. Lists of improvements I want to make with the house. Follow-up lists. Lists of ideas for blog posts. Lists of notes from books. I love lists. Where are they? All over. Some on paper, on post-its, on my phone, and on my computer.  Why? Because as my life and work gets busier and more complex, I need an external brain to remember all those things I may forget. Those lists are my external brain
  • Low(er) standards – Things don’t need to be perfectly clean. I’m not going to re-do the laundry if it’s “not folded right”. I don’t need a fancy gourmet meal every night. My kids don’t need to be dressed in the latest clothes. I don’t need to be extra fashionable. Now this doesn’t mean everything is in chaos, but it does mean I don’t need everything to be perfect.
  • Read fast – This is how I read so many darn books. This isn’t really something I can tell you how to do, because I don’t know how I do it. I’ve always been a voracious reader, ever since I was a little kid. My older kids are like this too.
  • Clear Priorities – My list of my annual goals are my priorities. Since I have a limited list, it’s clear to me what I need to be working on when I have some extra time. Whether it’s writing, reading, gardening, art, redoing the house, or something else – those are my priorities for the year. Having them clearly laid out helps me to focus my time and energy in the areas I’ve decided to accomplish for the year.


You Don’t Need To Make The Most Of Your Time

I wanted to be sure to mention that there are times in your life that you don’t need to be focused on making the most of every waking hour. I’ve been there, done that, got the T-shirt: like when my husband was seriously ill, when I was making it through a difficult pregnancy, when my grandmother was dying of cancer, or when I had a newborn in the house. Sometimes the only goal is just making it through that minute, hour, or day.


No guilt allowed here. If you’re just focused on making it through a rough patch in life, put your goals on the shelf for a bit and cut yourself some slack. You can pick them up again later when the difficult time has passed. In my life I’ve gone through a number of phases, sometimes when I can aggressively pursue my goals, and other times I need to put them on the shelf and focus on survival. Your life will go through phases too, and whatever’s difficult now will pass.

Remember, it doesn’t matter what others are accomplishing. If someone else has started a successful business and retired a multi-millionaire at 30 while you’re struggling to make sure you’ve brushed your teeth every day, you can feel like you’re failing at life. But you’re not failing just because your accomplishments, dreams, and goals are different than someone elses.  Focus on yourself – you are the only person you can impact.

You Have As Much Time As Anyone Else

Don’t let yourself get caught up in negative thoughts about “why this doesn’t apply to me”, or “that thing she cuts is something I have to do, so I can’t accomplish as much.” That kind of thinking doesn’t get you closer to accomplishing what you want in life. Instead it drags you down into negativity where you are making excuses for yourself.

Even if you’re going through a rough patch and you can’t do these things, just own it. Instead of getting negative about “why this doesn’t apply to me,” and feeling bad about it (or worse, angry at someone in a different stage of life than you) re-frame the way you’re think about it. Perhaps it’s “My goal right now is making it through pregnancy and life with a newborn.” Or “my goal is to survive the next minute, day, month”. Or “my goal is to make sure we have food in the house every week.” Our thoughts are powerful things, and if we can re-direct them into more a positive framework you’ll see just how much you’re accomplishing. Those days when my husband was in the ICU on a ventilator, my only goals were to spend as much time with him as I could, and make sure there was someone to take care of the boys. Literally everything else – my MBA, my work, everything – was tossed with no regrets.

The key is to really think about it – what are your priorities? What are the things you can cut to save time? What do you need to keep? Where could you accept help so you’re not “doing it all”? And if you are in a rough path, how do you rework your goals so you can keep moving forward, even if it’s in a different direction than you had expected?

Where are you spending your 168 hours?

What have you ruthlessly cut out of your life? What are the things you do to get more out of your day? I’m always looking for new tips and tricks – let me (and your fellow readers) know in the comments.

If you haven’t already, be sure to swing by my new one-stop shop page for Breadwinning moms, featuring all my prior articles and interviews (plus some updates on prior interviewees!).

Be sure to follow my blog for more great posts via e-mail or WordPress, or connect with me on Facebook or Twitter and say hello! You can also check out what I’m buying or baking on Instagram,  what I’m pinning on Pinterest, or the latest books I’m reading (or want to read) over on Goodreads.

25 thoughts on “How I Have More Time Than You”

  1. mamafishsaves

    Great article! Osn’t it awesome to have supportive, stay-at-home husbands who take care of the cooking and cleaning? I get asked all the time how I get so much done, and most of my answers are exactly the same as yours. I work from 8am-4pm (leave the house around 7, home by 5) and still get more done than most of my colleagues who work much longer hours. We choose our priorities, and we can make as most of our time as we want. Plus, being a really fast reader never hurts 🙂

    1. So true! I know a lot of people who work long hours because they’re inefficient. Taking long coffee breaks, lunch breaks, chatting with coworkers, playing around on the computer. Then of course they complain that they’re “so busy” and “can never get anything done.” And for me having a SAHD is key, since I don’t have to worry about kids getting sick/vacation days/school pickup/etc.

  2. Great discussion. My wife recently considered exiting the workforce to be a SAHM for awhile. She ended up dropping her hours instead. Having her as a SAHM would have certainly made my own work life easier for many of the things you mention.

    I lack efficiency at times, but I can only blame part of it on the amount of time I spend picking up/dropping kids or hours of sleep lost in the middle of the night. My work shifts from clinical work in the ER to office time, and I enjoy the chats during office time. 🙂

    We’ve also got 3 boys (8 months to 8 years) and have made a conscious decision to limit their extra-curriculuars, but even with that we end up needing to avoid them having lifestyle creep (time spent on activities, not money).

    1. Yes those kids activities can be a huge time suck. I know people who have their kids in so many activities that they’re literally doing something every single night-plus every weekend. My boys schedules can sometimes be crazy but they’re limited to just a few key activities. It brings the level of craziness down, and gives us at least some weekends free to enjoy.

      1. Yes, I know people doing that as well. Our oldest does boy scouts and one sport at a time and that’s already too much (and that still leaves most weekend days and weeknights free) given that we have 2 young kids needing attention and we both work. When the younger two start having their own activities, we’ll have to have some set ground rules.

      2. My older two both do scouts-and of course they’re in different groups that meet different days (due to age difference). It can make for some hectic weeks, but most weeks are OK

  3. GREAT post! This is how I’ve felt most of my career… Those backhanded compliments – complisults – are the worst. I work from home primarily and have for the better part of 15 years, even when my company has set up an office in my City now. I made it really clear to them that I would not be changing my work arrangement to make sure expectations weren’t elsewhere. When I’m working, I’m working and the only distractions I have are my own fault. The only distractions these days seem to be reading FIRE blogs, lol. Back when I worked in an office which seems like a lifetime ago, I behaved similarly, put my head down and worked and never understood the need to put in ridiculously long days when I got everything done. Keep it up, CMO!

  4. emilyguybirken

    Love this post! I work from home, in part so that I can be the primary caretaker for our two boys. I try very hard to maximize my work time, which is from about 9:30 am-3:00pm, but I often fall into the rabbit hole that is Facebook/Twitter. Rather than feel guilty about it when that happens, I try to recalibrate and listen to what my body is telling me. If I’m dragging my feet about getting started on my work, it’s often because I didn’t get enough sleep, and I’ll be much more efficient if I take a 30 minute nap and get back to work afterwards, rather than waste the day away on social media. That said, I know I’m super lucky that I have the kind of flexibility that I do.

    1. Love it! When you’re feeling distracted and unable to focus, look at what might really be going on. I heard before, “if you don’t take a break your brain will take one for you.”

  5. Wow. I feel like more of a boss just reading about how much of a boss you are! Great article, and it’s so cool to see the relationship you and your husband have– working like a well-oiled machine! Thanks for sharing.

  6. In my day I :
    Write three days a week
    Work forty hours (though like you my coworkers swear I work more)
    Laudry, dishes, trash,cat litter, cleaning are my duties.
    And of course spend time with family

    I find time to do all of that and be a lazy bum in front of the tv/ read a good magazine. It’s as much about what’s not in that list.

  7. The Grounded Engineer

    Excellent post, CMO! And thanks for answering my twitter question 😊.

    It looks like a majority of the time for your blog work is from 4/5am to 7am? Here is my general breakdown in a day:
    5am: Wakeup and workout
    7am: arrive at work
    5pm: depart home (1/2 hour commute)
    6-8pm: play with my daughter and cook dinner.
    8-9/10pm: hang with my wife
    10pm-11ish: reading and blog time.

    I’ve debated cutting down my workout time or trying to get up an hour early… I haven’t been able to be consistent with this.

    1. Yes my main writing time is really early morning. I try to get up around 4 (although sometimes it’s closer to 5) to get solid writing time in before the boys start to wake up. Although my oldest gets up at 5 AM for school, he’s 13 and doesn’t demand attention. When the two year old get up early though, forget it!

  8. Somewhat similar to you in what I don’t do. I have a 2 1/2 round trip commute (although I work from home 1-2 days a week). Demanding job, too (legal- I am gleeful if I get to leave by 5:30 or 6:00). Little to no TV, husband is retired and cooks on the days that I don’t work from home. He also does laundry and the majority of the Costco/grocery runs. Cleaning lady comes every other week. Kids are now grown-did rec and school sports but no travel. Otherwise, they did school clubs mostly (although both did overseas student trips in night school). I read a lot-use Paperback Swap for books, subscribe to some magazines, and glance at the daily newspaper/online news. Love finding new recipes and trying them on the weekends. Eat out once a week for date night. Love travel hacking and planning our next great adventure. I would love to blog, but just can’t motivate myself to get up early to do it. Tough to go to bed at 9 after getting home from work after 7, 8 or even 9 sometimes. Of course, I love reading blogs, which sucks up time that I could do other things…….yours is great!

    1. Totally understand not wanting to get up that early to write! Luckily for me I’m an early bird, plus I usually get home between 6 and 7. Glad to hear you like my blog!

  9. Hey, CMO. I’ll admit I needed to read this twice. Why? Because I got a little pissy about the “my husband does it.” I got pissy because I see how amazing that is to have a fully supportive and contributing partner. Sadly, I don’t. So when I say pissy I mean jealous. Once I looked passed that I found that I agreed 100% with your time-saving do’s and don’ts. I don’t have tv, my kid doesn’t do a billion activities (nor do I), I don’t chit-chat at work, I work extremely fast, and use my commute time wisely as well. (But the world would tip on it’s axis if I got up early.) The true gem of this blog is the last bit. Trust your intuition. If you need to have a no-plan-aimless day, have it. If you want a Netflix and chip/dip binge, do it. Life is just as much about today is it is tomorrow. Sometimes the most effective thing to do is rest. Loved this post and shout out to your awesome partner in crime. Does he have a brother? LOL

    1. Ha, he does but his brothers already married! I totally get that many/most people don’t have a partner that does all that stuff for them. But for me it’s a key to doing what I do. I figured it’s better to be honest & upfront about it vs. pretend somehow it’s possible to do absolutely everything. And there’s been many times when I have had to be the one to do all those things, like when my husband nearly died, or back when he worked full time second shift, and during those times I did a lot less. PS my favorite days are the aimless ones. The crazy busy ones go by too fast.

  10. Love the lists; I completely agree on the lowering your standards for busywork tasks like housework; the mention of folding laundry got me, as someone who neither folds nor owns an iron this seems strange.

    How long have you done the early to bed to early to rise thing? I’m tempted to try again for a 6am start, but admit to failing and reverting to snoozing after late nights.

    1. I’ve done it for a long time-my first job started at 6 AM, so I got in the habit long ago. Never changed, even when I was able to start work later. It’s worth trying again!

  11. frugalchiclife

    Hi Liz. I just stumbled across your blog after seeing a link that someone posted in the ChooseFI facebook group. I’m glad that I found you!! I am the primary breadwinner in my home and also have three children- ages 9, 7, and 1. My husband stepped away from a full-time job 4 years ago to pursue his dream of starting a church. Since that time I have been the primary earner but have almost always out-earned him since the beginning. I have not found too many other female bloggers who are doing the financial heavy lifting and also pursuing FI. Congrats on having the super supportive hubby. I still do the bulk of the home management and it is truly draining trying to “do it all’. Thankfully I came to my senses and currently outsource the cleaning- too many years arguing over dirty dishes and whose turn it was lol. Anyways, you are a breath of fresh air. Looking forward to following along on your journey- currently binging on your writing to get caught up. All the best!

    1. chiefmomofficer

      Hi there! So glad you found the site. My boys are only a bit older than your kids-14, 10 and newly 3! I’ve pretty much always outearned my husband too. Good choice on outsourcing-we shouldn’t have to work full time and come home and do all the work around the house too! Make sure to come by again. Have a wonderful day!

Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.