Caissie, thank you so much for sharing this and doing the legwork of looking into high-yield accounts. I have been thinking about it since reading this post and just opened my own account today.
I feel like such an adult and also 100% a child because I had to be told exactly how to do it. Feeling good about it, though, and grateful to you!
Love this, it’s also very true. I remember teaching myself how to financial plan in my mid 20s then in my late 30s and most of my 40s did not have to worry about money while I was married. Now I’m 50 and I have to learn how to budget all over again. And I’m ashamed of how wasteful I got how I just took for granted, buying ridiculous expensive things and enjoying them. Grateful that I had the opportunity now I just have to learn better.
As for mathematics: I encourage and invite you to ALL read Rovelli asap and accept your finding the greatest of ideas in your collective journey: travelling through multiple time zones and calculating compound interest have something in common: Time. As a result, you become entangled with both past and future versions of yourselves (exhausting and emotionally stunting process, this is) because those versions of yourselves (ourselves, ie all of us) have yet to process both then and now. Sontag, before she died, wrote about Pessoa in the NYT (no link as I do not want to encourage the big data rodeo but it is out THERE) who explained there is no past and future and present. Time is binary. There is 'then' or 'now'. That is it. Both compound interest and travelling with compounding soul lag eman we lose touch of when is/was/will be 'then' and when is 'now'. Read the Rovelli. Salt your rib roast. Breathe.
I am finishing a book. As in I am finishing the first draft of a pulp novella I have been scratching at for 6 years. I am doing my best NOT to be distracted by the other ideas I have been scratching at for years. And days. And weeks. I am doing my best to not attack my work and dismiss it as something no one else cares about. I am doing my best to deliver peace to myself by remembering that it is RARE to find someone who cares as much about a subject as I do. Finally, I am doing my best NOT to anticipate the 7th anniversary of my sobriety which is coming up FAST. The 12 days of sobriety might become a thing because I cannot stop writing entries. For example, on the first day of sobriety? I gave myself to me. PS you and your friends make a wicked podcast which has become my emotional support podcast as I navigate the new world I find myself in. Thank you.
I’m doing my best at allowing by kid’s feelings about missing her grandparents. We moved for very good reasons and she loves our new city. However, missing family you love is real and hard. We visit often... but it’s never enough when you’re 7 years old. The sobs are real and hers are taking a toll on me.
I work in personal finance and am a Certified Financial Planner. My clients joke that I am also their therapist... so it’s real ;) It’s my career now but I also wasn’t taught this stuff growing up... not many are! Happy to answer questions, Caissie!
I’m doing my best at paying a couple of bills, buying a bunch of Xmas gifts that I feel I won’t just keep for myself... most of them at least. And even though they are from a shitty site that might as well be Shein, and I feel bad about that, I have something for every person (I think ) and I don’t have to think about it anymore.
I am definitely not doing my best at finances! I really relate to avoiding eye contact with my bank statements (this made me lol) and would really really like to learn more but don’t even know where to begin. But I am doing my best at taking care of my kids - specifically healing diaper rash. We have had back to back to back sicknesses this fall from germy toddler hands who just started at day care for the first time. My son has had an upset tummy this week and diarrhea and diapers do not mix! I have a homemade miracle diaper cream that I have been lathering on him, and I made an oatmeal, chamomile and baking soda bath that helped so much. This may sound like such a small win but it is so hard when our kiddos are sick and we can’t control or fix it and it has just been non stop this season. So finding these little ways to help give them comfort is everything right now! Thank you so much for this awesome read Caissie it’s exactly what I needed to hear!
I'm also doing my best with finances! I bought some Google Sheets off of Etsy that I have been manually entering in all my money details, and seeing how much I spent laid out in an organized fashion has made something click! I got a raise and I finished off paying a loan, but still have so much debt that I wanted to use that new money in a smart way, and I figured if I can get control (or at least an idea) of where I'm over spending, I can start 2024 on the right foot and maybe end the year with half as much debt. I started listening to the Caleb Hammer Podcast on YouTube and it was oddly nice to know people are worse than I am, but also that I'm not alone. They don't teach you enough financial literacy and I got my parents habits and now in my 40's I'm so mad at myself! But also kind because I didn't know any better and now I do.
But I also got a google sheet for meal planning to help me keep going on a healthy lifestyle and I love it. My spreadsheet love might be a fetish? I dont know but I'll totally share these spreadsheets with anyone who's trying to improve their choices, one step at a time.
Honestly, I don't know what I'm doing my best at right now. I'm a perfectionist so I procrastinate a lot when it comes to making any decision and right now, gift buying is bogging me down. I'm second guessing every gift. For example, what if my parents suddenly decide they hate Cold Stone Creamery? My husband is great and tells me not to worry about it but I still worry that everything I'm buying is wrong. Can worrying be the best thing I'm doing right now? 😂
Oh boy, can I ever identify with this, Erin. I never have thought of myself as having anxiety, but very recently it has dawned on me that lots of these feelings are probably caused by anxiety I am not only not dealing with, I just haven't been acknowledging it at all? I'm proud of you for naming it, though. That's the first step, right?
I think financial therapist is a thing! I met someone who is one although that’s not their exact title. I too am trying to figure out HYSAs!! If you’re ok sharing, Caissie, how did you decide between Marcus and Wealthfront? I see that Wealthfront has 5% APY which seems great!
I need to get that person's number! I do not mind sharing that I applied for accounts with both Marcus and Wealthfront and was approved for both, just because I wanted to go through the full process and get that customer service experience. In the end, Wealthfront wound up being my favorite, because of how easy it was to apply, how quickly I was approved, how easy it was to connect my bank and transfer my savings, PLUS the superior interest rate. So, right now, Wealthfront is my personal winner. And they have an app, which I still have not downloaded yet, but definitely will so that I can then look at my little savings account every day and see how it's doing. (The answer will be it is doing the same as it was last time I looked because the interest only appears on the first of every month, LOL!)
Thank you so much for sharing! I had no idea there were cash high yield accounts that let you transfer/withdraw/access you $$ anytime. I can probably find the financial persons info if you want!
Doing my best at not letting health issues like soooo many migraines get me down. As soon as I’m feeling well again, I’m getting right on up and living my life vs being afraid of the next migraine.
Also this post speaks to me. Do we not teach financial stuff in school because the rich people don’t want other people to be informed and get rich too? Idk but I think about that. Also...people never teach the girls and women about money! It’s wild like money is supposed to be more for men? Ugggh!
Caissie - we are twins on this financial stuff! You’ve inspired me to take the next step on the high yield savings account. And financial therapist should 100% be a thing. Money matters are fraught with emotional baggage for so many of us.
Let’s see - I think I’m doing my best at being a supportive friend - went to a funeral yesterday for a friend’s father. Was manufacturing excuses not to go, but I did and I’m glad I went. I know my friend appreciated it.
Caissie I could read you write about anything, you’re just so good at it.
I’m doing my best at throwing my kid’s birthday parties 1 week apart. They are 8 and 4 and both December babies and guess what? So am I! Today is my birthday, I’m 35 years old and time is weird.
When I was 12 and my mom was 35 she was diagnosed with cancer and was given two months to live. I had a very terrible and absent stepfather and I’m the oldest of 4. A lot of her caretaking fell to me. Last night my husband and I watched the Jon Baptiste documentary and there’s a scene where he’s shaving his wife’s head from having cancer and I just started bawling, cause at 12 I was the one doing that for my mom. Something about being a mom and turning the age she was at the time is really rocking me. Time and trauma are weird. Thankfully my mom is doing amazing today and loves being a grandmother, but it’s wild how trauma and grief can sneak up on you.
Thank you for always making space for yourself and your own vulnerability and being so generous with all of us and inviting us to be just as vulnerable with loving strangers.💜
Happy bday! My Group Chat is two other Dec BPIDHB babies! They're 12/1, I'm 12/3, close friend is the 4th, grandma is the 10th, and my husband is the 14th!
Time and trauma are definitely weird. I’m so grateful your mum is doing well and a part of your life and your children’s lives - what a gift. Happy Birthday!! 35 is in my rear view mirror and I promise it gets easier, and harder - and better. ❤️
Victoria, happy birthday!!! The fact that you planned two kids parties back-to-back already had me knowing you are a superwoman. And what you shouldered as a kid makes me know how you got that way. Sending so much love to you and your kids AND YOUR MOM! That's an amazing twist ending I was so glad to read!
Caissie, I know we’re strangers, but uplifting words carry us no matter the sender. You and Busy teach me so much about the years to come and processing years passed. Merriest of seasons to you!🥂
Caissie, thank you so much for sharing this and doing the legwork of looking into high-yield accounts. I have been thinking about it since reading this post and just opened my own account today.
I feel like such an adult and also 100% a child because I had to be told exactly how to do it. Feeling good about it, though, and grateful to you!
I just had to come here and say I also hate the word "adulting". I work with someone who says it a lot and it makes me eek!
Love this, it’s also very true. I remember teaching myself how to financial plan in my mid 20s then in my late 30s and most of my 40s did not have to worry about money while I was married. Now I’m 50 and I have to learn how to budget all over again. And I’m ashamed of how wasteful I got how I just took for granted, buying ridiculous expensive things and enjoying them. Grateful that I had the opportunity now I just have to learn better.
Can you name the rapper? I am now in love with them from this story and want to listen to their music 💜 💕 😊
As for mathematics: I encourage and invite you to ALL read Rovelli asap and accept your finding the greatest of ideas in your collective journey: travelling through multiple time zones and calculating compound interest have something in common: Time. As a result, you become entangled with both past and future versions of yourselves (exhausting and emotionally stunting process, this is) because those versions of yourselves (ourselves, ie all of us) have yet to process both then and now. Sontag, before she died, wrote about Pessoa in the NYT (no link as I do not want to encourage the big data rodeo but it is out THERE) who explained there is no past and future and present. Time is binary. There is 'then' or 'now'. That is it. Both compound interest and travelling with compounding soul lag eman we lose touch of when is/was/will be 'then' and when is 'now'. Read the Rovelli. Salt your rib roast. Breathe.
I am finishing a book. As in I am finishing the first draft of a pulp novella I have been scratching at for 6 years. I am doing my best NOT to be distracted by the other ideas I have been scratching at for years. And days. And weeks. I am doing my best to not attack my work and dismiss it as something no one else cares about. I am doing my best to deliver peace to myself by remembering that it is RARE to find someone who cares as much about a subject as I do. Finally, I am doing my best NOT to anticipate the 7th anniversary of my sobriety which is coming up FAST. The 12 days of sobriety might become a thing because I cannot stop writing entries. For example, on the first day of sobriety? I gave myself to me. PS you and your friends make a wicked podcast which has become my emotional support podcast as I navigate the new world I find myself in. Thank you.
I’m doing my best at allowing by kid’s feelings about missing her grandparents. We moved for very good reasons and she loves our new city. However, missing family you love is real and hard. We visit often... but it’s never enough when you’re 7 years old. The sobs are real and hers are taking a toll on me.
I work in personal finance and am a Certified Financial Planner. My clients joke that I am also their therapist... so it’s real ;) It’s my career now but I also wasn’t taught this stuff growing up... not many are! Happy to answer questions, Caissie!
I’m doing my best at paying a couple of bills, buying a bunch of Xmas gifts that I feel I won’t just keep for myself... most of them at least. And even though they are from a shitty site that might as well be Shein, and I feel bad about that, I have something for every person (I think ) and I don’t have to think about it anymore.
I am so bad with financial stuff. You should be very happy of yourself that you got that done!
(“I feel happy of myself” from an old video of a kid learning to ride a bike.Now I can’t stop saying it that way!)
I am definitely not doing my best at finances! I really relate to avoiding eye contact with my bank statements (this made me lol) and would really really like to learn more but don’t even know where to begin. But I am doing my best at taking care of my kids - specifically healing diaper rash. We have had back to back to back sicknesses this fall from germy toddler hands who just started at day care for the first time. My son has had an upset tummy this week and diarrhea and diapers do not mix! I have a homemade miracle diaper cream that I have been lathering on him, and I made an oatmeal, chamomile and baking soda bath that helped so much. This may sound like such a small win but it is so hard when our kiddos are sick and we can’t control or fix it and it has just been non stop this season. So finding these little ways to help give them comfort is everything right now! Thank you so much for this awesome read Caissie it’s exactly what I needed to hear!
Those babies are so lucky to have you caring for them. Hope they are feeling much better soon!
Thank you 🥲
I'm also doing my best with finances! I bought some Google Sheets off of Etsy that I have been manually entering in all my money details, and seeing how much I spent laid out in an organized fashion has made something click! I got a raise and I finished off paying a loan, but still have so much debt that I wanted to use that new money in a smart way, and I figured if I can get control (or at least an idea) of where I'm over spending, I can start 2024 on the right foot and maybe end the year with half as much debt. I started listening to the Caleb Hammer Podcast on YouTube and it was oddly nice to know people are worse than I am, but also that I'm not alone. They don't teach you enough financial literacy and I got my parents habits and now in my 40's I'm so mad at myself! But also kind because I didn't know any better and now I do.
But I also got a google sheet for meal planning to help me keep going on a healthy lifestyle and I love it. My spreadsheet love might be a fetish? I dont know but I'll totally share these spreadsheets with anyone who's trying to improve their choices, one step at a time.
These sheets sound incredible! I’m gonna check them out along with the podcast. Thanks for sharing and I’m so proud of you!
Honestly, I don't know what I'm doing my best at right now. I'm a perfectionist so I procrastinate a lot when it comes to making any decision and right now, gift buying is bogging me down. I'm second guessing every gift. For example, what if my parents suddenly decide they hate Cold Stone Creamery? My husband is great and tells me not to worry about it but I still worry that everything I'm buying is wrong. Can worrying be the best thing I'm doing right now? 😂
Oh boy, can I ever identify with this, Erin. I never have thought of myself as having anxiety, but very recently it has dawned on me that lots of these feelings are probably caused by anxiety I am not only not dealing with, I just haven't been acknowledging it at all? I'm proud of you for naming it, though. That's the first step, right?
I think financial therapist is a thing! I met someone who is one although that’s not their exact title. I too am trying to figure out HYSAs!! If you’re ok sharing, Caissie, how did you decide between Marcus and Wealthfront? I see that Wealthfront has 5% APY which seems great!
I need to get that person's number! I do not mind sharing that I applied for accounts with both Marcus and Wealthfront and was approved for both, just because I wanted to go through the full process and get that customer service experience. In the end, Wealthfront wound up being my favorite, because of how easy it was to apply, how quickly I was approved, how easy it was to connect my bank and transfer my savings, PLUS the superior interest rate. So, right now, Wealthfront is my personal winner. And they have an app, which I still have not downloaded yet, but definitely will so that I can then look at my little savings account every day and see how it's doing. (The answer will be it is doing the same as it was last time I looked because the interest only appears on the first of every month, LOL!)
Thank you so much for sharing! I had no idea there were cash high yield accounts that let you transfer/withdraw/access you $$ anytime. I can probably find the financial persons info if you want!
Also I’m glad there was no new podcast yesterday b/c it gives me time to catch up on all the past weeks’ episodes!😂
Doing my best at not letting health issues like soooo many migraines get me down. As soon as I’m feeling well again, I’m getting right on up and living my life vs being afraid of the next migraine.
Also this post speaks to me. Do we not teach financial stuff in school because the rich people don’t want other people to be informed and get rich too? Idk but I think about that. Also...people never teach the girls and women about money! It’s wild like money is supposed to be more for men? Ugggh!
Way to go Caissie for making moves!!!
Sorry to hear about your sucky migraines. The worst! Hope they stay away for a bit! Well, forever, really.
Caissie - we are twins on this financial stuff! You’ve inspired me to take the next step on the high yield savings account. And financial therapist should 100% be a thing. Money matters are fraught with emotional baggage for so many of us.
Let’s see - I think I’m doing my best at being a supportive friend - went to a funeral yesterday for a friend’s father. Was manufacturing excuses not to go, but I did and I’m glad I went. I know my friend appreciated it.
Be well, besties. Happy holidays ♥️
I’m glad you were able to be there for your friend. 💜💜💜
Caissie I could read you write about anything, you’re just so good at it.
I’m doing my best at throwing my kid’s birthday parties 1 week apart. They are 8 and 4 and both December babies and guess what? So am I! Today is my birthday, I’m 35 years old and time is weird.
When I was 12 and my mom was 35 she was diagnosed with cancer and was given two months to live. I had a very terrible and absent stepfather and I’m the oldest of 4. A lot of her caretaking fell to me. Last night my husband and I watched the Jon Baptiste documentary and there’s a scene where he’s shaving his wife’s head from having cancer and I just started bawling, cause at 12 I was the one doing that for my mom. Something about being a mom and turning the age she was at the time is really rocking me. Time and trauma are weird. Thankfully my mom is doing amazing today and loves being a grandmother, but it’s wild how trauma and grief can sneak up on you.
Thank you for always making space for yourself and your own vulnerability and being so generous with all of us and inviting us to be just as vulnerable with loving strangers.💜
Happy bday! My Group Chat is two other Dec BPIDHB babies! They're 12/1, I'm 12/3, close friend is the 4th, grandma is the 10th, and my husband is the 14th!
Time and trauma are definitely weird. I’m so grateful your mum is doing well and a part of your life and your children’s lives - what a gift. Happy Birthday!! 35 is in my rear view mirror and I promise it gets easier, and harder - and better. ❤️
Thank you so much! That sounds about right, it’s all beautifully sad, but I am very happy to be here. Here’s to the rest of it, internet friend!✨
Victoria, happy birthday!!! The fact that you planned two kids parties back-to-back already had me knowing you are a superwoman. And what you shouldered as a kid makes me know how you got that way. Sending so much love to you and your kids AND YOUR MOM! That's an amazing twist ending I was so glad to read!
Caissie, I know we’re strangers, but uplifting words carry us no matter the sender. You and Busy teach me so much about the years to come and processing years passed. Merriest of seasons to you!🥂