Rabbit Hole

This is the letter I wrote to my nutritionist over the weekend. It probably won’t change her mind, but at least I can say I tried.

I’m not ashamed to tell you I’m never likely to have $3,000 on hand…okay I am, a little bit.

Money: I don’t have it.

You know how you spend so many years in crisis that crisis becomes the norm? Maybe you don’t know. If you don’t, God bless you. You’re better at this game than I am.

Anyway, I’m trying to do better. I got my credit score, I got the Quicken app, I got a secured credit card to rebuild my credit. I made a list of all the Christmas gifts I’ve bought thus far and their recipients so I don’t lose track and go overboard this year. I’m doing my best to make payments on time.

The thing is, I don’t think I overspend. Quicken says I don’t. I think there are just a lot of expenses.

I think a lot of people struggle. Maybe most. But I don’t really know that for a fact.

This country would benefit from more financial literacy training at a young age. That’s what I think. Reconciling a checkbook. Compound interest. Savings. APR. Personal loans. Retirement. The consequences of buying excessively on credit, spending money you don’t have.

Some schools teach it, but many don’t. You can’t rely on parents for this subject. Because many, if not most parents have also not been educated in financial literacy. We are a nation of the blind leading the blind when it comes to money.

I’ve exhausted this topic, which I didn’t even intend to be central to the post, but now I have to go. I hope you have enjoyed my ADHD-tangent.

Disclaimer: I am not making fun of ADHD. I actually have ADHD, and frequently go off on tangents. Further, I would not poke fun at ADHD or any other disability. This is an affectionate acknowledgement of my tendency to disappear down rabbit holes 🕳️