But the really killer thing is that you can do it! No matter how bad off you think you might be, there are ways to dig out. Seek guidance, ask for support, read and learn, and find ways to solve your financial problems. The sacrifices to do so might sting quite a bit, but they’re only temporary, and then you’ll have the life you want to live.
For the most part, I would say that anyone I’ve let in on my personal financial crisis and efforts to remedy that crisis have been wildly positive. Close friends and family have told us they are proud of our efforts, some have told us we’re finally “adulting,” and still others have said we have inspired them to get their own financial lives in order. All of this is GREAT!
But there’s always one…
There’s always the butthole in the crowd who has to throw shade. I borrowed that term from my dear, personal friend, TayTay, or as she’s commonly known, Taylor Swift.
So in our case, it was one person who just had to make a comment about how much money I bring in from my job. It went something like this:
“Well sure, it’s easy for you to project paying off $50,000 this year. We don’t all get bonuses and stock vests that we can just throw around.”
I distinctly remember the “throw around” part, and while it initially made my blood boil, after I had calmed down a bit, I realized I may be causing folks to have a skewed perspective of me.
So here goes…
Let me begin by saying that I make a great living, and I feel incredibly fortunate. As a guy who spent the first part of his young adult life working an insanely difficult manual labor job on a cattle farm, I understand that I have very little to complain about both when it comes to my income and the environment that I now work in.
The next thing I’ll say is that I do make more than the average person, and I also have more debt that the average person.
So instead of focusing on dollar amounts, let’s talk in percentages so that nobody focuses on income or anything like that.Read More »