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I have been seeing some ideas pop up on Twitter more than the past couple of months that have sparked an idea in my brain. Obviously, everyone’s journey to Financial Independence will look different. But what are some of the means our paths differ? Our journeys are different due to the fact we’re all facing different financial headwinds. Let’s look at some of the financial headwinds I’ve confronted on my journey so far.
Wayyyy back again in the olden times (okay good the late 2000’s), ya female was in substantial faculty. I had the essentials taken care of for me courtesy of my parents like foods, shelter, some clothing, and lunch money. Everything else I wanted was on my individual. A major financial headwind for me in large university was providing the money for my individual cell cell phone prepare — and a pay-as-you-go program at that. $60 a month doesn’t seem to be like all that substantially now, but it was a major drag for me to scrap up that kind of dough each and every thirty day period. Items got slightly better when I got my very first occupation at Toys R Us, but my headwinds amplified proper together with the increase in funds movement. Suddenly I needed to have money to fork out my vehicle payment ($150/mo for 18 months), insurance, and gas.
My classmates didn’t understand what I was heading as a result of as they were facing both no headwinds at all or even a significant tailwind, helping them to succeed. I once had a conversation with a classmate who was complaining her little sister acquired a nicer car for her 16th birthday than she currently had. I don’t remember what car or truck her little sister got but I distinctly remember her complaining about driving a 2 12 months old Jeep. I offered to trade her cars. When she listened to I drove an older POS Dodge Neon that came with the aforementioned car or truck payment, her nose wrinkled up and I got an “ew no way” in response. Her tone was on par with Alexis Rose in Schitt’s Creek. To this working day, I doubt that particular classmate has any extra empathy for those in different financial scenarios.
Overshadowing the other financial headwinds in significant college was, of training course, the looming mountain of how to pay back for faculty.
I was incredibly fortunate to have all my initiatives in significant school fork out off in the form of a full-experience academic scholarship for college. With my military stipends coming in every month, the diploma to which I felt the headwinds lessened dramatically. Headwinds have been nonetheless there, but considerably far more manageable than just before.
I was nowhere around struggling in college like some of my close friends. They experienced to spend for their own housing, foodstuff, college, textbooks, car or truck, mobile phone.…. everything. These are some hurricane-level headwinds to overcome. Since of my experiences in high school, I was in a better location to understand the differences involving me and my friends. I made confident to pay for activities I suggested like going to see a movie with a friend or covering their drinks for a night out.
It is at this time in my daily life that I started to truly understand how my privileges in everyday living led to fewer headwinds for me. Even nevertheless I had fewer privileges than some people I had grown up with, I still experienced a lot going for me. I had gotten a glimpse of it in college, but this phase of everyday living really drove residence the discrepancies.
I didn’t have student financial loans. I didn’t have family that needed supporting every single thirty day period. I didn’t have a child to choose care of. I didn’t have expensive wellbeing challenges that impeded my ability to do the job and receive money. My auto was all paid off and almost never had mechanical challenges.
The deficiency of big headwinds at this phase in daily life really served me get forward in life.
Now, my headwinds are more like small breezes on a nice summer day. I have to fork out $300 a year for glasses or contacts to be ready to see. I pay $50 a month in medications to help manage my ADHD. I am a woman, so a lot of products I buy charge a pink tax or are just straight up something gentlemen never have to worry about like feminine products or bras. (Guys, you do not know how very good you have it!!!)
On paper, two people who get paid $100k must be able to help you save exactly the exact with the exact volume of money, suitable?
A great example was provided by my pal Matt Lane on Twitter recently. He earns what most people would consider to be a high salary. However, he also has a lot of financial headwinds against him at the second. He life in Washington, DC, a high price tag of living location. Extra like super significant if you talk to someone who lived there for a year (psst which is me. DC is tremendous expensive!). Childcare for 2 children is $4,600 a month. $2,000 a month goes straight to student mortgage repayments. Add in $2,300 a month for a decent apartment and which is $106,800 before you include in other necessities of daily life like foods, outfits, diapers, transportation, internet, cell phone, and other essentials. So yeah, he may generate a ton of money, but he’s also experiencing critical financial headwinds against that large revenue.
So in advance of we go through a Money Diary on Refinery29 that will make us tsk our tongues and raise our eyebrows, remember money is just one portion of the puzzle and someone could be facing significant headwinds that you are not. Or, what is the equivalent of a light breeze for you could be the equivalent of the Weather Channel reporters standing on the shore in advance of a hurricane would make landfall. I’ve been fortunate in daily life to encounter favorable winds and I only hope the identical for everyone close to me!
As normally, thanks for reading! Are you facing any significant financial headwinds? Sound off in the comments below!