Let’s face it. Even if the turn of this new year sparked some extra motivation to tackle your goals, it can be hard to get excited about money matters. Cutting back on your lifestyle to increase your savings or accepting delayed gratification to invest for your future self doesn’t exactly measure up to that new morning routine or self-care ritual you are hopeful to start. It’s much easier to brush financial planning under the rug and hope that our jobs hold down the fort instead.
January is typically a time when we purge ourselves from the gluttony of the holidays and refocus on our health and wellbeing. After a particularly difficult year, I am sure many of us are paying even more attention to our mental, emotional, and physical health.
Inventor and futurist, Ray Kurzweil, once observed that people are, well . . . pretty bad at predicting the future. Why? Because we tend to see the world in a linear fashion. As he puts it, “The future is widely misunderstood. Our forebears expected it to be pretty much like their present, which had been pretty much like their past.”
If there’s anything we’ve learned about ourselves during this quarantine, it’s that we crave social connection. Any. Social. Connection. Even the extremist of introverts and homebodies like me are beginning to dream of the day we can hang out with our friends and family again. I no longer question my dog’s enthusiasm to break out of the house each day for a neighborhood walk.
As I reset my intentions and plan for the post-pandemic years ahead, I have been looking back on my financial journey since the last economic recession of 2008/2009. From entering the workforce as a fresh college graduate to a decade-long career in tech, there are plenty of mishaps I’ve encountered along the way. To make sure I don’t forget, I’m laying out all of my dirty laundry today and sharing it with you too. May you be wiser in your decisions ahead than I was in my 20’s.
Love is in the air! How are you celebrating Valentine’s Day? My husband and I ditched the fancy dinners years ago and started the tradition of making cheese fondue at home instead. It’s fast, simple, and we can eat unlimited dippers . What’s not to love??