Photo by Nathan Dumlao on Unsplash

It’s a noble thought — “investing in your education.”

Students at a loss for what to do with their lives can grasp onto the concept that education is always valuable, always a way to be praised, and find a path forward in uncertain times in their lives.

Unfortunately… it’s not true. Not for everyone all the time, anyway.

I’m no anti-education advocate… who would be that, anyway? …

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Mr. Blue Sky and I had been working full-time for six years when our son arrived. Through a combination of him staying at the same company and getting yearly raises and me launching my own business, so I wasn’t stuck in a no-advancement job, we’d gotten to where, without scrimping, we were saving 45% of our income.

As with so many, having a baby threw a bomb into our finances, new expenses, a big maternity and paternity leave, and totally different structures to our days meant that we had to rebuild what we wanted our lives and incomes to look…

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My high school had a few tracks when I attended, and as a person who got decent grades and had a bookish bent, I’d assumed mine was ‘college/university prep.’ Even though my interests were actually nebulous (write something? I like books… maybe something with books?), getting good grades was enough for my guidance counselor and my parents to both let me get away with what I consider an error.

I didn’t take a year-long prep for something that was enough of a credential to get a job, ideally one that paid at least a few bucks over minimum wage even…

Spending quality environment-focused time with my kid while also trying to change my own habits.

Photo by 🇸🇮 Janko Ferlič on Unsplash

Am I the first to feel overwhelmed when I think about the climate challenges my baby son could encounter in the course of his life? It’s very, very easy to imagine just burying my head and hoping he doesn’t resent me too much for the way I went with the flow of consumer culture.

However, having a baby in the house really brings to light a key fact: it’s all work. Babies don’t like putting on their socks, don’t eat quickly and efficiently, don’t ever want to stop exploring and seeing what’s new. …

Photo by Jen Theodore on Unsplash

We’re coming up on the six-year anniversary of buying our first home. We thought that buying a home at that point (both of us very early in our first full-time professional jobs) was a bit pie-in-the-sky, but we’d accidentally settled in an area with ultra-low home prices and an old, dusty housing stock… It turns out we could afford it after all!

Six years later, there are tons of things we could have done differently, and some of them might have worked out better — who can really tell? …

Photo by Christine Roy on Unsplash

Look hard enough, and you’ll see that every story about having a baby has been written. It’s kinda heartwarming, for me anyway, that this thing that is the most intense experience ever for me has happened to a large majority of the world.

I used to be annoyed when older folks would ask if I had kids and when I was going to. I had the enviable position of really liking my life without kids, so it felt like I was being diminished. I have a more charitable position now that I have one myself: it’s so much work, and…

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I read a book recently called Detox Your Thoughts by Andrea Bonoir, and it focuses on a concept that I keep hearing more and more about. The idea is that our brains are feeding us a constant stream of commentary on the world, on ourselves, and on those we care about.

It’s easy for that internal chatter to veer into the negativity world, and before we know it, we’re accustomed to quietly telling ourselves that we are terrible, or that we’re going to fail at things, or any number of other unkind, unhelpful things.

Maybe you don’t struggle with this…

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Mr. Blue Sky and I have been married these some-odd years, and during that time, the financial situation of both sets of parents have been cracked wide open.

My parents’ situation was laid bare in divorce after decades of marriage, as each parent figured out how they’d live differently. Mr. Blue Sky’s parents, on the other hand, came into a very sizable inheritance and promptly retired relatively young.

In each case, through divorce proceedings and estate resolution, we learned new things about how they’d handled their money in life so far. …

Photo by Melissa Walker Horn on Unsplash

I should have known that something was up when I saw my boyfriend grab a pair of rusty handlebars suspended on a chain and swing out in a wide arc over a river, only to drop into the water after completing his wild ride.

I would never in a million years take such a risk. But I married him anyway.

We learned through years of conversation that I’m quite fearful and cynical about money: I assume most good opportunities are too good to be true.

My husband, for all his brashness, isn’t foolhardy — he thinks things through. He’s just…

Photo by Danielle MacInnes on Unsplash

I’m a relatively new mom, and never in my life have I had less reserves of patience and determination than in this beautiful but sleep-deprived season. It was in this season that I read the well-known James Clear book Atomic Habits.

While I’d recommend the book as a way to see various aspects of habits differently, it was particularly compelling to me for a particular section, that of creating habit stacks. …

FraidyCat Finance — Working Our Way Through to Good Money Habits

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