Personal Finance stuff

When I was super broke, I haunted personal finance sites, blogs, and forums.

I moved away from those in the past few years, dealing with a (another) change in career, cancer, a roommate that took a lot of emotional energy, part-time grad school and other online learning, and, as always, my mental health.

I didn’t have the bandwidth (or spoons, if you prefer) to deal with my money or to keep up with blogs and forums. And I slowly slipped deeper and deeper into the negative.

Now, I’m digging out of a mountain of debt. I’m too embarrassed right now to say how much, but it’s a number I couldn’t even conceive of 5 years ago. There are lots of reasons why it got this high, and I’ll probably talk about them over time. Right now, I’m in the stage where I am facing the actual issue head on (because I can deal with a crisis but I can’t maintain a smooth course*) and focusing on that issue.

That means going back to some old places, like Get Rich Slowly, The Simple Dollar (that site has really changed!), the (old) YNAB forum and similar places.

It also means finding some new places. JD Roth of Get Rich Slowly recommended Bitches Get Riches . They are hilarious and insightful and talk about life as well as money, check them out.

There’s a thread in the personal finance world that always used to upset me, and the Bitches really call this out in this post on making personal finance more inclusive. Here’s a piece:

Special suggestions for our fellow personal finance bloggers

Quit writing shallow, bullshit success narratives

There is a fine line between being encouraging and being full of shit.

When you say, “If I can do it, anyone can!” what you’re really saying is, “It worked for me, and my experience with people who aren’t like me is so limited that I have a hard time even imagining their existence!” Hard work, discipline, and sacrifice may have led you to financial stability. But it’s ignorance to suggest that everyone’s life circumstances put them on equal footing.

I don’t want to hear any more exclusionary nonsense about how people who can’t make it work are “complainypants” losers and whiners. If you honestly think that willpower is the only determinant to success, you’re ignorant as well as a jerk. And you’re using personal finance and your platform to flatter yourself.

Mr. Money Mustache got popular with this kind of narrative. I was never able to follow him for long. Ramit Sethi is another one like that.

My recently retired boss tried to pull a narrative like that on me once. He had been a government employee in one form or another for 35 years and was making more than $100k/year for quite some time, and usually had a 2 income household. Right about the time he bought a house for well over $500k, he told me that anyone at any income level could save money. I shut down that shit real quick with some highlights from my story.

Anyway, what financial blogs/sites/podcasts are you following these days?

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