Introducing The “I Have Boys” Fund

I don’t know what it is like to be a dad to girls, but I imagine there are plenty of princess dresses and tea parties. I’d guess there are fewer poop jokes and that it might be possible to get through a day without sullying at least one shirt with sweat, blood, dirt, or food.

But mostly I’d guess there is far less destruction of property. Watching my niece’s open and then play with their toys at Christmas is a nice change of pace from watching my own kids.

My boys seem to take it as a personal challenge to see how quickly they can break or otherwise ruin a new toy. I don’t think they intend to destroy it, but there is something in their wiring that makes them want to see what happens when they hurl something full force into the ground. (Maybe it’s testosterone?)

There hasn’t been a structure that my boys don’t want to climb: tree, lamppost, mailbox, and fire hydrant. You name it, if it’s more than two feet off the ground, my boys will try to climb it.

What Goes Up…

But that’s only half the fun, the next inevitable challenge is getting down. After all, if climbing up was fun, then jumping off will be twice as fun, right?

Well, not for dad, who quickly checks his bank account to see if he can afford to pay for a broken leg this month. Turns out, I can’t, and my success in convincing them not to jump is completely contingent on how far away I am from them.

If I’m within a ten-foot radius, I can usually talk them down. If you’re imagining a well-meaning police negotiator with a bullhorn desperately trying to convince a man on the ledge of a building that he has so much to live for, you’re in the right ballpark.

However, if I’m more than 10 feet away, my boys seem immune to my influence. It’s as if my voice can only carry 10 feet and then it evaporates. Clearly ignoring my protests, my boys will launch themselves off of whatever structure they’ve climbed.

They’ll land hard and crumble to the ground. And then I’ll hold my breath. Just waiting. Will it be a deafening shriek followed by a trip to the hospital? Or will they pop back up and start the whole horrific ordeal over again?

More often than not, it is the latter. But for varieties sake, it has occasionally been the former, sans the trip to the hospital…at least not yet. (Knock on wood, cross my fingers, and whatever other superstitious voodoo I have to do in order to ward off this inevitability for as long as possible.)

The Cost of Doing Business

Despite our good fortune in the “no broken bones…yet” category, we haven’t raised them without incident. There has been one hospital visit and a series of stitches. Turns out socks, wood floors, and the corner of a chair are a bad combination.

Then there was the time my oldest broke our handrail, because why walk down the stairs like a normal person when you can hang from this minimally braced chunk of wood attached to the wall?

Which brings us to the event simply known as “the incident” around our house. During our 8 years of debt repayment, we lived a fiscally lean life. Only buying absolute necessities. This did not include a new TV, which I desperately wanted.

For years, I made do with our 400-pound 32” tube TV (Millennials may need to Google what a tube TV set looks like). Then after 5 years of earning points on Swagbucks and getting gift cards, I was finally able to buy a beautiful 55” HD TV.

It was a blissful step up…for about six months. Then my youngest (who was 18 months at the time), threw a water bottle across the room, directly into the TV. At first, I was relieved to see no damage was done. But later that night when I turned the TV on, I realized how wrong I was.

The exterior glass had remained intact, but the interior screen was destroyed. This led to severe distortion on the screen and rendered the new TV unwatchable. (My TV viewing has since consisted of the charity of family and friends, as I have not bought a replacement TV.)

And the most recent incident (the one that inspired this post) was the clichéd throwing a rock through our window. I’m convinced this one is Karmic retribution, as I broke a few windows in my day.

A Near Miss

This isn’t even counting the near misses. The most heart stopping one from the preschool era. My wife’s wedding/engagement ring had gone missing, which isn’t uncommon, as she tends to leave it around the house.

However, after a thorough search over the course of a few days hadn’t yielded any results, she began to get nervous. After exhausting all of our other leads, we asked our oldest if he’d seen a ring. He proudly proclaimed that he’d given “a shiny ring” to a girl at his preschool.

A panicked phone call later, we discovered that the “shiny ring” he’d bestowed to his classmate was just a plastic trinket. A few days later my wife’s ring did turn up. Crisis averted…this time.

The Fund

All of these incidents, plus a few more, got me thinking. I really should have a separate fund, just to cover the inevitable cost of having boys.

Using our emergency fund doesn’t seem right. An emergency fund should be used for unexpected expenses. My car has over 220k miles on it. It shouldn’t come as a surprise when it breaks down.

I’ve planned accordingly and been squirreling money away into a separate “car fund” for the past couple of years. So when my car inevitably quits on me, I will have the funds to replace it and won’t deplete our emergency fund to do so.

Having boys seems to come with a similar inevitability. I don’t know when, I don’t know how, but my boys will end up costing me money.

This left me with the question: if it’s inevitable, is it really an emergency? Should I be drawing down my emergency fund every time my kids do something destructive?

My Answer: No

And thus the “I have boys” fund was born.

It works like any other fund I have. It’s a separate savings account that has money filtered into it each pay period. It likely won’t be much (probably under $20). Then when destruction strikes, this fund will be the first to be drained.

Let me know what you think? If you have kids, have you done something similar? If you have both boys and girls, are boys, in fact, more destructive than girls? What ways have your kids cost you money?


  1. I have one of each now, and there are too young to tell who might end up costing me more. Estimates put the cost of raising a child near a cool quarter million, and I don’t think that even includes college! At the risk of sounding old fashioned, girls often have the added cost of paying for a wedding, although I would be open to other funding possibilities when that time comes.

  2. This is a good way of protecting yourself. Maybe it is that I have two daughters, but I don’t think I will start such a fund and will drain the emergency one in case something is happening. Maybe girls ale a little bit better, but they are not angels either, just pretending being one. Sweat, blood, dirt, or food on shirts? Check. Climbing and jumping? Check. Breaking things sometimes? Check. By the way don’t you think that the broken TV is a sign? (And hey, I am a millennial and we know what a tube TV is, we spent half of our childhood watching it!)

    1. Good to know that girls get up to mischief as well. My only experience with girls is my nieces and they are nowhere near as physically destructive as my boys, but it is a small sample size to judge from.

  3. Ha ha. I have two boys also, and I thoroughly enjoyed this article! I love the idea of an “I have boys” fund. You put a smile on my face – those boys can really get up to all kinds of hijinks!

  4. That is a great idea MSF! We don’t have kids yet but this might definitely plant the seed for a “kids fund” if/when that happens. And good for you for not replacing the TV yet, are you even planning on fixing it?

    1. I looked into fixing it, but replacing the screen would cost as much as a new TV, so we brought it to our local recycling center. Technically I did replace the TV but didn’t buy a new one, just took a hand me down from a friend after he bought a new TV for his house.

      If I wasn’t such a sports fan, I could probably get rid of the TV altogether. Outside of Sunday’s during football season there isn’t much TV watching anymore. Although I could easily binge watch a good TV show on Netflix. 🙂

  5. Good thought. I only have one boy at this time, so I think I’ll just tap into our emergency fund should the need arise. If we end up having a second, then perhaps we’ll create a second “boys” fund just for them.

  6. “I imagine there are plenty of princess dresses and tea parties.”

    As a father to three daughters, I can validate that the first sentence.

    “I’d guess there are fewer poop jokes and that it might be possible to get through a day without sullying at least one shirt with sweat, blood, dirt, or food.”

    I was the youngest of three boys, so I’ve been on the other side. I’m with you with respect to blood, dirt, and sweat.

    But I’ve learned this as a dad of girls: food stains and poop jokes are universal. Gender does not apply here 🙂

  7. I’ve got 3 boys — destruction is inevitable.

    Our kids get money from relatives and family friends on occasional holidays and birthdays. They each have an online savings account where we store it (oldest gets to keep some in his wallet and can occasionally get authorized to make big purchases). I consider that money “at-risk” — if they do something stupid that costs us money they have to help pay for the repair.

    This is within reason of course — I won’t empty their account out, but they need skin in the game. Only the oldest understands that though (younger ones are ages 4 and 1)

    1. Totally agree. We manage money in the same way with our kids. I have “forced” them to chip in as a consequence of some minor damage. But this is only when the offense in question is done with the knowledge of breaking the rules. If they accidentally break something, I won’t make them chip in for the repair (at least not until they are older and “should know better”).

  8. Oh, man! I loved this article, MSF, and I love the idea of the boys fund. I have two boys and while they are still really young (1 and 3) I saw this post as a glimpse into my future. On a side note, I have been amazed with how innately disgusting boys can be. I would have thought that would be learned behavior, but apparently, it just comes naturally. I will definitely be setting up a similar fund as they get older. Thank you for the insight and the great idea.

  9. I have a 18 month old boy and he already created some damage. He was ripping pages out of books we borrowed from the library but we were able to recover all the pages and tape them back on the book. Luckily the library did not charge us for damaging the pages.
    He recently started to walk so were afraid his destructing career at home may reach enormous heights. Thanks for the tip on opening a fund for your sons MSF, I may have to do that too especially if we have another baby!

    1. Mobility and the ability to reach up and grab things off of a table are a game changer with kids. Their ability to terrorize your household grows exponentially when they achieve this important developmental milestone.

      The more kids books you check out from the library the sooner you’ll recognize you aren’t alone in having your kid destroy a book. There is probably more scotch tape in library books around the world than there is used to wrap presents at Christmas. 🙂

  10. I curse my boys for their self-destructive and impulsive behavior, but with a 9-year old and almost 7-year old, we’ve only taken one trip to the E.R. in the last ten years.

    And that was for me. Three weeks ago. Mangled a fingertip in my fancy new bicycle.

    Do I need a reckless Dad fund?

    1. Ha. I think if it only happens once every 10 years, you can safely use your Emergency Fund and hold off on starting your reckless dad fund. 🙂

      Hope the finger is on the mend!

  11. I am entirely filled with fear…

    With a 2.5 yo and a 4 month old…I know it is only a matter of time before something expensive breaks. Luckily for us, we had a cat so we don’t have many nice things that aren’t damaged in someway already.

    Perhaps we should set up a “I have boys” fund but until that time we will just take out of their savings to pay for the crap they break. 😀

    1. The good news is that you still have a little more time. Our kids didn’t start breaking things until they were older than 6. Plenty of writing on the wall before then, but nothing too costly.

  12. We only have a boy right now who’s almost 3. He climbs everything. He eventually likes to throw all his toys that aren’t even balls. He likes to burp and pass gas and then laugh about it. We don’t do that. Where did this child come from?! Lol. (We do try to correct him and make him say excuse me). We had our encounter with the ER a couple months ago. And although his elbow was only dislocated the bills (yes bills) were almost $1800. Still haven’t paid them because I don’t agree with paying $234 for a cloth sling or $10 for 5ml of Motrin. Waiting to see if they’ll at least drop those. Maybe we need a “I have a boy fund” too

    1. Medical bills are crazy! I hope your little guy is doing alright now and has bounced back from his dislocated shoulder. I’d much prefer property damage to bodily damage, it’s cheaper and less stressful. 🙂

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