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August Net Worth and Budget Report

Spending has been getting a bit carried away this summer – and I need to get it back in check as I begin to seriously contemplate a very drastic career change (requiring a major paycut and possibly additional schooling.)

In August, my net worth was relatively flat at $394k (this includes my car worth estimate, so I’m really considering my net worth to be $386k.) My goal for the year is $400k, which leaves 4 months to save $14k. On my current income, if I stop being SO HORRIBLE at giving in to overspending, that should be very do-able. However, I will likely leave my job in October or November, meaning that most of the saving has to happen in September. This month can’t look like last month. I’m embarrassed how much I spent! Continue reading


Post Wedding Depression: Yes, It’s Real

Weddings are beautiful and ridiculous and a waste of money and worth every penny spent. Over the last year I obsessed about the details of my nuptials, but like many girls who grew up on Barbies and Sweet Valley Twins, I had been planning my wedding day in the back of my mind since I was a flower girl at the age of four.

My friend, who also got married this year, made a great point to me about her non-planning wedding planning – if she cared about any one detail too much then she’d be looking for that to go right and noticing if it went wrong, and would be disappointed on her wedding day which is supposed to be the happiest day of her life… so she decided to just let it be.

I, on the other hand, spent what equated to pretty much a full-time job interviewing photographers, musicians, venues, florists, makeup artists, et al. I didn’t hire a planner because I knew I’d drive them crazy and still end up doing all the planning myself. Continue reading


How Much Should I Spend on Food Per Month?

Food is by far our biggest expense. We spent $2500 on food (inclusive of alcohol and cleaning supplies, so probably $2200 on food) in August alone. Clearly, that is way too much for a couple to spend on food each month. People tend to share that they feed families of 4+ on under $600 a month, as part of conversations on how they’re trying to cut down on spending.

But how much should a DINK couple (planning to have kids in the next few years) be spending on food? Here is the advice I found:  Continue reading

Finding My Motivation: ADHD, Anxiety, Depression and Sustainable Productivity

There are times in my life when I’m hyper-productive and hyper-focused, as they call it in ADHD speak. I stay up all night and re-build my entire blog or write 10 blog posts to fill the next month of my publishing calendar. I love focusing so intensely on something for a short period of time that the output appears greater than the number of hours I put into the project.

I’ve never been good at doing what I’m supposed to do. It started when I was a little girl. My father says I was “rebellious.” I always had a thing against authority figures. Maybe that’s because my father would hit me with a belt when I didn’t comply. Legal discipline, not child abuse, but still messes up one’s sense of self. I still remember him calling me angrily down to his bedroom where he would, in a typical weekday evening, rip out his leather belt and with a flaming hot anger in his eyes whip me for not cleaning my room. In therapy last week I realized I was about 3 to 7 years old at the time this happened, and it happened fairly frequently. I never cleaned my room. To this day, it’s a mess. Continue reading


Are State Sponsored Retirement Plans a Good Idea: California Secure Plan Bill Passes Assembly

Americans are not saving enough for retirement. In lieu of accepting that the standard fiscal state for the majority of retirees is poverty, some states are trying to help people get their financial acts in order. This week, California became the latest of those states (see what’s happening in your state here), with the “Secure Choice Retirement Savings Program” bill to create a state-run retirement plan for roughly seven million private workers passing the Assembly – one step closer to becoming reality. This would make California the eighth state to establish such a plan.

There are 55 million workers who don’t have a way to save for retirement at their workplace, and of those, only 5% take the steps to open an IRA, according to the AARP.

Continue reading


The High Cost of Mental Illness

Mental Illness is a touchy subject –  unlike, say, cancer or diabetes, it isn’t something that can be diagnosed via blood tests or biopsies. And everyone suffers some amount of anxiety and depression at different times in their lives. I’ve struggled with my own mental illness for years, both being tortured by its overwhelming nature, and, often in the same day, telling myself that I’m overreacting and totally fine.

Mental health conditions cost employers more than $100 billion and 217 million lost workdays each year. When I’m lost in a web of anxiety, I know I’m not being a good employee. This reminder of my failure as an employee spins me into a deep cycle of depression and worthlessness which quickly spirals out of control. I get so mad at myself because I simultaneously feel like the greatest impostor of all time and know I can do a better job that what I do right now, but the sadness of being an obvious fraud gets in the way of productivity. Eventually, my boss catches on, and I move on. I put so much of my personal worth on my job, I really don’t have much else in my life outside of my job and my husband. My career is everything. Maybe that’s the problem. Continue reading

In this Friday, July 8, 2016 photo, a pharmacist holds a package of EpiPens, an epinephrine autoinjector for the treatment of allergic reactions, in Sacramento, Calif. Price hikes for the emergency medicine have made its maker, Mylan, the latest target for patients and politicians infuriated by soaring drug prices. (AP Photo/Rich Pedroncelli)

The Giant American Prescription Drug Scam

In the US, we pay more for prescription drugs than ANY OTHER COUNTRY. By a lot – more than double. The reason for this is complicated. And the amount of attention brought to this issue ebbs and flows. Last week, a bunch of pissed-off parents made it clear that the epic price hike on the EpiPen (used for major life-threatening allergy attacks) was not an acceptable move on the part of drug manufacturer Mylan — the same company whose CEO received a 671% salary increase in just eight years from under $3M to over $18M.

[Sign the Petition Against EpiPen Pricing Here]

Luckily, I don’t have allergies or the need for an EpiPen – which now costs $400 per pen or about $415 after insurance for two pens. In Canada, a hop, skip, and snowshoe north of our borders, the pens are distributed by Pfizer and cost just $100 a pen. In France, the pens cost $85. Perhaps allergies in Canada are not as vicious as those in the States? Maybe French people are allergic to allergies so they just don’t get them? No — the EpiPen in all countries serves the same exact purpose… it’s just a lot more expensive to acquire in the US. Continue reading


Find New Friends at 30: Like Dating, Only More Awkward

She glanced at me with a (possibly fake, get-out-of-my-car) smile in the dim light as I got out of her car and said goodbye. “Maybe call me some time if you see something you want to do and want someone to do it with,” I said, realizing how sad and pathetic that made me sound as I slammed the door shut and she sped away. The next day I stared at my phone and thought about the conversations we had about our families and lives. Was she waiting for me to text? Does she think I don’t like her? … do I?

This is not notes from a first date. Well, that’s to say, not a romantic date. I met her on a new friend making app that is similar to Tinder except for women only. The app sucks because I’ve ended up “swiping right” on just about everyone in order to get any sort of response. She responded and lives in the same town, so we discussed meeting up. We finally did. Dinner was tasty and the conversation was enjoyable – though at this point in my life it gets a bit tiring to tell someone my life story from the start (and to decide which parts to leave in and which to leave out.) I’m sure she felt the same, detailing her relationship with her mother and father and siblings. Continue reading

group of graduates

10 Money Tips for New Graduates

When I graduated college (over 10 years ago – oy!), I had about $10k to my name – $8k of which went into buying my first car (for cash, used.) While I was very fortunate to not have any debt, I also moved far away from home to one of the most expensive regions to live in the world. Over the last 10 years, I have increased my personal networth to nearly $400k. While my path requires a significant amount of privilege, I’ve learned a lot about money along the way that anyone can use – whether you’re in debt or out of debt. Here are 10 Trips for New Grads to kickstart your path to financial freedom: Continue reading


A Brief History of Retirement and the Social Security Crisis

Ah… retirement. That time in life when you’ve worked hard for long enough to “deserve” time to sit back and relax – maybe play some golf, or take classes to reignite an old hobby, or travel the world. Today retirement is so engrained in our culture as a natural phase of life that it’s easy to forget that it is a very modern concept.

In 1881, Otto von Bismark, a conservative minister president of Prussia, came up with an idea to have older adults not have to work to the very last second of their lives. Eight years later the German government started to provide a retirement system for anyone over the age of 70. At the time, not many people made it that long.

Across the Atlantic in the US, retirement was a fledgling idea. Municipal employees started to receipt public pensions in the mid 1800s and in 1975 American Express started to offer private pensions. It wasn’t until 1935 when the Social Security act passed and the official retirement age in the US was 65. (Life expectancy for men was 58 at the time.) Continue reading

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