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The whir of the wall heater lulls me to sleep. I’m in seventh grade again, at my friend’s house, dreaming of my life as an adult. We just watched Dirty Dancing and inhaled a bag of Doritos with a 2L of Dr Pepper and no one considered the carbohydrates involved. In reality, I am an adult. With children. And two husbands by now. And a whole lot of disappointments and triumphs along the way. I still feel like that awkward seventh grader when, I’m actually the mother of a seventh grader. How did this happen? I’m typing this in a cottage in the woods. A writer’s weekend, that’s what I claimed it to be. And in late 2022, I am stuck trying to decide how much of my life to share on social media and how many posts are “enough” to promote my writing. The internet connection is poor here and it’s a blessing and a curse. When did we become so tied to people we’ve never met and numbers oft generated by bots? Do I measure the importance of my work by likes, shares, and follows or by actual lives impacted? And let’s be honest, we rarely know when we impact a life because the Enneagram and Myers-Briggs tells us that a certain % of folks are introverts and would never tell us if we helped them, to no fault of our own. And the trauma we have all endured. I am not joking. The real actual trauma and pain I have seen my fellow GenXers and patients and friends endure. We all go to therapy and spend countless hours trying to right some of the wrongs between scrolling and TikToking, working our regular jobs, raising tiny to full-sized humans, and trying to eat whole foods. In this world of 2-4 second attention spans, I feel lost. I feel lonely. I feel drained. Am I the only one? And so I sit. In Midlife. In the Southeast. In middle school bleachers and while planning a wedding for the oldest. I sit at baseball tournaments and in my car traveling to see my patients. I sit at kitchen tables discussing hospice the same morning I sit with my fifth grader studying vocabulary. I know I’m not alone. The Middle is weird. It’s not the beginning, like I am reminded of with my oldest and his fiancé. The furniture shopping and the bedspread and dishes selections. It’s not the end either. The disbursement of family heirlooms and quiet days sparsely populated by visiting friends or family. It’s not the days of toddler-parent-survival where bath time and nap time ruled the schedule. But it’s not the days where everyone can drive yet either. And oh yeah a pandemic happened. School shootings. A nation so divided I can’t even recognize it. But just keep on going folks. Keep on posting and hashtagging and hustling. Meh. I will take this Middle. I will take the Menopause and the investment planning and the figuring out how to parent adult children. I will take it and try to learn from it and admit that it’s uncomfortable. See, we are too old to fake stuff in this Middle. We have seen too much. I think my writing will continue to be what it is. Real. Raw. With a flimsy filter and a side of sarcasm. It will grow as I do. I hope you join me. If anything in this little diary entry stirred your insides, then know that we are in this together. Let’s go. Awkward but not alone.
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My quick money story. Everybody has one, right? Some people are born into money, some are not. Some people make a fantastic income and still struggle to pay their bills. Others make an average income and live comfortably within their means. Not many people talk about money. It's a secret. It now comes and goes in several icons on our devilish palm-sized devices (see my love hate relationship with my phone here). Anyway, my money story goes something like this: - average childhood, that's my parents' story to tell, but I never really felt STRESSED about money as a child and I was taught some good sound financial principles (thanks Mom & Dad) -got into > 40k in debt in my 20's by living above my means, keeping up with the Joneses and making poor financial decisions -spent 4 years of my 30's GETTING OUT OF DEBT which looked like paying $1000 /month towards old credit card debt FOR FOUR YEARS STRAIGHT (ouch!) -now I am in my 40's and focused on saving for retirement, paying our house off, and avoiding unnecessary debts I say all of that to say: I am not certified in anything financial. I have read some books and followed some financial influencers over the years, and I am very entrenched in our family's finances. I am also learning from my retired parents about what it will actually look like to live on a retirement income. I am familiar with Medicare, pensions, social security benefits, Roth IRAs, and 401k/403b plans. I am not a day trader or financial wizard. I'm somewhere in the middle, and I think that is probably where most of my readers are too. I have had to have very frank discussions about money with patients over the years (financial stress can GREATLY affect one's health and cause caregiver strain with children of elderly patients). So I decided to write about it. Part of my passion for writing is speaking the truth and shedding light on everything that is making us all stressed and uncomfortable. Now that you know my purpose for this piece, are you ready??? Let's do this! My 10 smart money tips for anyone, anywhere:
Let's go through each Money Tip in more detail so that we have a better understanding of them.
PRO TIP: The pictures below are just an example of using my banking app to monitor my spending. You can see the pie chart is for ALL of my 2021 spending. Since I don't have a car payment, I divided my auto expenses by 12. That came to around $392. Since I know car insurance makes up around $200 of the $392, I calculated that I am spending around $172 / month on gas. This is just an easy example of using your banking app to see what you are ACTUALLY spending on categories in your budget. What you think you spend and what you actually spend are often 2 very different amounts. So do your research! It costs you nothing to look at your spending and it will give you so much insight to your financial health! I did not write this post to provoke guilt or shame about your spending or finances. I have had 40k+ in debt and I have felt that overwhelming burden. It's just part of my story, and I am no longer ashamed of it.
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