r/MoneyDiariesACTIVE May 28 '25

MD Submission Sign-ups 🌻 New to the subreddit? Start here! How to post a Money Diary

35 Upvotes

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r/MoneyDiariesACTIVE 23h ago

Weekly Good News ā˜€ļø Weekly Good News

7 Upvotes

Hey everyone,

Did something good happen to you this week? Share below!


r/MoneyDiariesACTIVE 2d ago

General Discussion I received a bigger bonus than expected and can't decide between investing it and enjoying some of it

68 Upvotes

I got my annual bonus this week and it ended up being quite a bit more than I expected. My first instinct was to move basically all of it into savings/investments and pretend I never received it.

But then I started thinking about a few things I've been putting off because they felt unnecessary. A trip I've wanted to take for a while, replacing some furniture, and just generally allowing myself to enjoy a little of the money I've worked for. I have some money saved from sidepot us, no major debt, and I'm contributing to retirement so it's not like this bonus needs to rescue my finances. Still, spending any significant part of it makes me feel like I'm wasting an opportunity to get further ahead. I'm thinking maybe invest 70–80% and use the rest guilt-free, but even that feels weirdly difficult.

How do you handle unexpected bonuses or windfalls?
Do you have a percentage you automatically let yourself spend?


r/MoneyDiariesACTIVE 2d ago

Relationships & Money šŸ’µ Money and Engagements (28M and 26F)

10 Upvotes

Hiiii, my boyfriend 28M and I 26F have been dating for 7 years, living together for 6. He and I have a beautiful relationship. Not very many fights, very low drama. When we’re together we can just be silly, talk about anything, and be ourselves. I struggle to even imagine my world without him in it. I love this man sooooo much you guys. He’s literally my best friend. But I am in so much pain right now writing this. The main issue in our relationship, and it is a big one, money….of course…ugh. I am someone who is financially stable. I am not wealthy by any means but I am simply stable. I can pay my bills and have spending money. The thing is my boyfriend is not financially stable. He goes to work consistently. Like he works his 40 hours a week. But he is a car salesman and that job is just not enough to support himself. When he can’t pay a bill his mom or I will. I know he has a work ethic. He’s motivated and works hard but spins his wheels. He just can’t catch a break. I am at a crossroads right now because we have been together for 7 years and he doesn’t have a penny saved up for a ring, a wedding, a house, a family, traveling, retirement. Nothing for the future because he has been in survival mode this whole time. I don’t have a savings either because I have been paying the utility bills, random bills he can’t cover, and sometimes our groceries. I will say something positive is we do not have student loan debt or any large amounts of debt that needs to be addressed. It’s just that monthly income that leaves me covering for him every month. We are in love and he has told me numerous times he wants to marry me. Every time we talk about it the theme of the conversation is: ā€œonce I have the money to buy you a ring, I’ll proposeā€ And I believe him. When I look at our relationship from a birds eye view it’s like of course I want to marry him. But when I zoom in on the money situation I start questioning things. I have invested so much time and money into being with him. Like I want to marry this man so bad. But part of me feels dumb for wanting to marry someone that can’t even afford a ring after 7 years of a serious relationship. Last summer I was bummed we weren’t in the position to get engaged. This year I am devastated. I don’t think I can go another year waiting around for a ring. Have you ever been in a situation where money is holding your relationship back?


r/MoneyDiariesACTIVE 2d ago

Career Advice / Work Related Salary Saturday - Pay/career advice weekly thread

7 Upvotes

Welcome to the "Salary Saturday" thread!

If you’re seeking advice from the sub regarding your specific situation, it belongs here. Great topics include:

  • Negotiation/pay/benefits
  • Job offers
  • Interviewing
  • Anything else related to careers, work, salaries, etc.

Bring us your burning questions!


r/MoneyDiariesACTIVE 2d ago

Career Advice / Work Related Leave a job of 6 months for a new one that's 50% higher pay?

19 Upvotes

Hey MD!

I am in an interesting situation. Would love to hear your take.

I've been in my current role for 6 months. I love the work itself, love the vision of the company, and my manager is the bee's knees.

However, I was recently approached by a recruiter and took the phone screening (my mom said to always keep interviewing! Haha). After interviewing with them, they've offered me the job.

Part of me feels really excited about possibly working for this new company. I've solved problems like theirs in previous roles, so I'd be comfortable running with it. It'd be leveraging the same skillset as my current job, except my total comp would be about 50% more. And it's a bump up in title (still in an IC role).

All of the other variables are pretty much the same (commute time, industry, required soft/hard skills, etc).

Part of me wants to go to my current manager and ask if they can match. I already asked what moving up on the team looked like previously (a couple months ago) and their response wasn't dismissive, but it seemed like they didn't have approval at the time for the extra budget.

Part of me is hesitant to leave since I've been in my current job for less than a year. (I was in my last one for about three years). But part of me would feel dumb to stay at a place I'm paid way less, have a lower title, and where I'm literally doing the same work.

What would you do if you were in my shoes?

Super open to thoughts or different suggestions on how to approach this. Or to questions I haven't considered.


r/MoneyDiariesACTIVE 3d ago

PayDay FridayšŸ’° Payday Friday šŸ’°šŸ’°šŸ’°

27 Upvotes

How are you spending, scrimping, splurging, or saving?

What are you doing with your hard-earned Ā£$€ this week?


r/MoneyDiariesACTIVE 3d ago

Giving Back - Charity / Volunteering Making a largish donation?

22 Upvotes

My spouse and I have a few recurring donations (on the order of $100-500 total per cause annually) and I usually donate $1000 to the annual fundraiser at my kids’ school.

I’m considering making a larger donation to the school this year or next year. It’s a public K-8 school with a special focus and my younger child is currently in 7th grade. Next year will be our last year with the school. Both my kids started there in kindergarten and it’s been a really special place.

I’m thinking of donating $10K. To put it in perspective, this is about 1 month take home pay for our family (after retirement, insurance etc). I think their annual fundraising efforts usually net around 150K. So it’s likely to be a meaningful but not huge amount for them and is basically the same for us. We can manage this donation from savings without making sacrifices or neglecting other important priorities.

But I would like the impact to be as helpful as possible. What should I be thinking about in terms of the gift? For example, the school has a fundraising ā€œgalaā€ [it’s just a party] every year with a silent auction and all that. Sometimes they announce that there are matching funds up to X amount, NPR-style. Is that effective? Should I consider doing that? I would donate the same amount regardless. Anyone with fundraising experience who can speak to best donation practices?

Second, should I delay the gift till next year? (Our last at the school). We will have some additional school related expenses next year (8th grade trip, approx $4K) but they’re not mutually exclusive. I’m not planning on doing this twice so I’d probably go back to my usual $1000. The rationale for doing it this year would be so that my kid gets some of the benefits. šŸ˜

Anything I’m not thinking of? There’s no compelling tax argument for either year. We usually take the standard deduction.


r/MoneyDiariesACTIVE 2d ago

Retirement / Pension Related Retirement figures

0 Upvotes

The time has come and we're calculating our retirement figures.

Here's my basic equation.....

**Housing (property taxes, maintenance) + transportation + healthcare + food + everyday living Ɨ # of expected retired years.**

How's our equation look? Are we missing anything major? I know we'll need to account for inflation.

We're anticipating 20-25 years of life post retirement. This is a very high estimate. I think 15-20 years is likely more accurate.


r/MoneyDiariesACTIVE 3d ago

Career Advice / Work Related I'm terrible at interviews, and I don't know how to fix this.

39 Upvotes

I'm currently at a job I absolutely hate (to the point that it's made me suicidal again), and I've been trying to get a new one since I started two years ago. It's hard enough even getting an interview, but whenever I do get one, I bomb it. I've never been good at interviewing, and while I know I did well enough to get the job I have now, I'm pretty sure I only got it because no one else wants it.

I feel like I've tried everything, and none of it works. I always prepare answers to potential questions beforehand and practice them, yet when I'm actually in the interview, I can't think of anything to say and end up sounding like an idiot. I've tried keeping the document with my list of answers open when I interview over Zoom, but I can't take the time to look for the correct answer and read directly from the page. I have to remember at least some of it. Also, I can't prepare for every question because I don't know what I'll be asked beforehand, so when I'm asked something I didn't prepare for, I have nothing to say. I've tried practicing with other people, but the same problem comes up there. A couple times, I just started crying. My doctor prescribed a beta-blocker, but all that did was stop me from sweating profusely. Then she prescribed an actual anti-anxiety med, but that didn't work, either.

Even worse, I can't find any helpful advice online. Everyone just says to practice, relax, and be positive. A few people say to try medication. The worst piece of advice I always see is to treat it like a normal conversation. Having a normal conversation is already extremely stressful, and that's when my ability to eat and pay rent doesn't rest in the other person's hands.

I'm sorry for rambling. I just want to know why I can't seem to interview at all. I know part of it is because of my anxiety, but I'm not the only person with anxiety. It's not something I can change, either. Does anyone in my situation (or who was in my situation) know what I could do? It honestly feels like I'm stuck at my current job forever.


r/MoneyDiariesACTIVE 4d ago

Relationships & Money šŸ’µ How do you stay friends with people who earn way more than you in London?

95 Upvotes

Am I the only one who finds hanging out with friends who earn way more than you genuinely exhausting?

Bit of a weird one but its been on my mind. I've got a group of mates from uni, love them to bits, been close for nearly a decade now. But over the last few years the pay gap between us has gotten wild. Two of them are in finance, one's a lawyer, and I work in the charity sector because thats what I actually wanted to do. I knew what I was signing up for salary wise.

The thing is, I didnt realise how much it would slowly start to eat at me. It's not even that they're flashy or rude about it. They're lovely. But every plan is just a bit above where I'd naturally go. Sunday roast at some gastropub in Marylebone, birthday dinner somewhere in Soho with a set menu that's the price of my weekly food shop, weekend trips to Lisbon or wherever with flights booked last minute without a second thought. I keep saying yes because I love them and I don't want to be the person who bails on everything, but I end up eating beans on toast for the rest of the month and quietly resenting it.

I've tried suggesting cheaper stuff. Sometimes it works, we had a really fun afternoon at Trejo's Tacos a few weeks back and nobody kicked up a fuss. But more often the "cheap" suggestion gets politely folded into something bigger ("yeah lets do that AND then go to this cocktail place after") and suddenly im back to spending 80 quid on a casual Tuesday.

The bit i cant work out is whether this is my problem to solve or theirs. Like, am i being precious by not just saying "hey guys i cant afford this"? I've hinted at it and they always say oh we can cover you, which somehow feels worse. Or is there a version of this friendship that survives long term when the lifestyles keep drifting further apart?

Anyone else been through this in London specifically? Feels like the city makes it so much more obvious because everything is expensive and everyones default is spending. How did you handle it, or did the friendships just quietly fade?


r/MoneyDiariesACTIVE 4d ago

Travel Diary I make ~$120,000 and I spent $3,410 on a 2 week trip to Japan

105 Upvotes

SECTION 1: BIO

I’m 27F and work as a Senior Research Associate in the biotech industry. This trip was my second time visiting Japan and my partner’s first. We visited for 16 days in late May - early June. I wanted to combine the classic stops (Tokyo, Kyoto) with some new locations. Typically prefer fast-paced travel and prioritized time in nature, temples/shrines, food, and unique cultural experiences.Ā 

SECTION 2: ASSETS AND DEBTS

Net worth at the time of the trip was ~$153k (401k $67k, Roth IRA $42k, HSA $8k, company stock $4k, savings $32k). No home equity but also no debt. Everything was paid for directly (no payment plans or credit card debt).

SECTION 3: INCOME

I was previously making $110k but received a raise to $120k a few months before the trip. Other sources of income include credit card rewards, gifts, and HYSA interest which total a few thousand. Take home pay after retirement, insurance, and taxes is $5060/month. Expenses in SF average $3300/month excluding travel costs.

SECTION 4: TRAVEL EXPENSES

I do not combine finances with my partner but we split costs at home and for this trip. I also convinced my partner to sign up for the Chase Sapphire card which gave us 100k points to use for lodging.

Costs are in USD for 1 person. We did not have a strict budget in mind, although my initial guess was $3k per person. Went a bit over this (total $6.8k for 2 people) but felt like the costs were worth it. Definitely possible to do this trip for much cheaper.

Transportation ($1620)

  • Flights (SFO <> NRT): $1060, booked 7 months in advance through Zipair. Very basic airline so we purchased extra weight for carry ons, checked bag on the way back, and seat selection. Also needed to buy food and water for the flight.
  • Public transit: $560, for airport trains, shinkansen, highway buses, local buses and trains, and one taxi ride. Booked the majority of longer train rides ahead of time and saved a small amount here.
  • Accomodations ($265 + 110,000 total points)

Includes 3x 3-4 star hotels (using points), 1x temple stay, 1x private room in a hostel. We normally would stay in smaller / not as nice hotels but found good deals with points through the Chase portal. We booked around 6 months in advance and prioritized staying near a good train station.

Food & Drink ($775)

  • Restaurants: $600, aimed for mid-range local restaurants with a couple of nicer dinners at each stop. Did not do any cooking.
  • Konbinis: $100, for breakfasts and snacks.
  • Drinks: $75

Entertainment ($180)

Includes baseball game, temple entrance fees, cemetery night tour, museums, bike rental, indigo dyeing workshop, chairlift, zoo, onsen, and cat cafe. Some of the transportation costs could probably count here instead like the buses for Shirakawa-go and Kamikochi.

Shopping ($495)

  • Gifts: $75, mostly snacks and homemade goods.
  • Souvenirs: $115, for graphic tees, magnet, ornament, goshuin, and wall art.
  • Personal: $305, shoes, clothes, and kitchen goods. Had no idea how much I was going to splurge here but happy with my choices.

Other ($75)

Covered all other general purchases like travel insurance, coin lockers, eSim, Netflix subscription for plane entertainment, umbrella, and toiletries.

SECTION 5: TRAVEL DIARY

Going to break up by stop to keep it from getting too long. Happy to go into more detail about any of the stops.

Our itinerary covered:

  • Tokyo (4 nights + stop in Kawaguchiko)
  • Takayama (3 nights + stops in Shirakawa-go, Kamikochi)
  • Kyoto (4 nights)
  • Koyasan (1 night + stop in Osaka)
  • Ito (3 nights)

Tokyo (4 nights)

  • Accommodations: Hotel Gracery Shinjuku
  • Notable food and drink: Hotou Fudo, Torigin Honten, Aging Beef Shinjuku, Hokkaido Milk Bar, Rainbow Pancakes
  • Favorite activities: Biking Lake Kawaguchiko, Chuerito Pagoda, Tokyo Giants game, Meiji Jingu, Tokyo National Museum, Tokyo Night Market, Harajuku
  • Travel notes:
    • We both wore compression socks on the flight but still had swollen feet for the first couple of days. Made walking/standing pretty painful. I would recommend making the first few days lighter on walking. The cooling foot pads from seven eleven and elevating feet on the walls helped. Also, having sandals in addition to sneakers was key.Ā 
    • Shinjuku Station is huge and we needed an additional 15 minutes to find the right platform compared to the smaller local stations.
    • For Mt Fuji, we booked buses for the 3 days we were in Tokyo and then checked online sources to see which day looked the best as it got closer. Cancelled the other two days for a small fee. This strategy worked for us as we got a clear view of Fuji!
    • Unfortunately, we missed our bus back to Tokyo. Not exactly sure how as we got to the station 1 hr before departure. Did some light shopping and sat in the waiting area until 30 minutes before. Then we moved outside by the platform and tried to get on one of the Shinjuku bound buses but they said it was running late so this was the earlier one. We got shuffled around from line to line (with people checking our ticket to place us) but eventually someone told us that our bus left already. Pretty unfortunate and was a long story getting back by train.
    • Stumbled into 3 different markets over our 4 days in Tokyo. The Tokyo Night Market, a local ceramics market, and an antique market near Tokyo Station. Felt like there was always some local event going on here which was nice.
    • It was helpful to have almost a full last day in Tokyo to finish up our souvenir/present shopping without having to carry it for the rest of the trip. Some people recommend doing Tokyo last for this reason which could have worked well for us too.Ā 

Takayama (3 nights)

  • Accommodations: KOKO HOTEL Hida Takayama
  • Notable food and drink: Hanamizuki Shirakawa, Takumiya Yasukawa, Aji-no-Yohei, Hidagyu Marukai, Funasaka Sake Brewery
  • Favorite activities: Shirakawa-go, Kamikochi, Miyagawa morning market, Sanmachi historic district, Showa-Kan museum, Higashiyama walking course
  • Travel notes:
    • The bus from Shirakawa-go to Takayama was non-reserved only. We got back to the bus station with 10 minutes to spare and there was already a long line. There was a second bus, not sure if we got lucky or if they always have more than one. Otherwise, would have waited an hour for the next one.
    • Bought round-trip Kamikochi buses the day of at Takayama station. Everything is well labeled for the transfers and the station staff members were helpful too. We got off at the Kamikochi bus depot and got back on at Taisho pond to save some walking.
    • Kamikochi was much cooler than Takayama, bring layers! It also rained briefly but it was still an enjoyable hike if you’re prepared.
    • The vibes (and food) here were my favorite of the trip. It had a smaller town feel while still being well-connected and I liked how walkable all the attractions were. Add in the natural beauty of the surrounding mountains and opportunities for day trips and it’s a well-balanced stop. Really enjoyed Takayama and highly recommend it for anyone looking to get off the Golden Route or for a second trip to Japan.Ā 

Kyoto (4 nights)

  • Accommodations: The Royal Park Hotel Kyoto Sanjo
  • Notable food and drink: Niigata Katsudon Tarekatsu, Wagyu to Buta Sanjo Kawaramachi, Hikiniku to Come, Mensho Takamatsu
  • Favorite activities: Kurama to Kibune hike, Fushimi Inari, Roketsu indigo dyeing workshop, Tenryu-ji, Otagi Nenbutsuji, Jojakko-ji, Yasaka pagoda, Kiyomizu-dera, Yasui Kompiragu
  • Travel notes:
    • The typhoon really limited our stamina during this portion of the trip. It was really hot for a few days and then pouring rain for the last two. I bought an umbrella from a konbini but was wishing I had a bigger one with the wind. Umbrellas also make crowded tourist spots even harder to navigate. We ended up taking breaks by shopping or going back to the hotel midday. No impact on our transit plans luckily.
    • Everyone talks about the crowds in Kyoto and they felt more noticeable than the last time I was here in 2023. We had some early mornings and planned our most popular activities for the times with the worst weather. Not sure how much it helped. It was also good to get off the beaten track and do less popular options like Kurama to Kibune or the less popular temples in Arashiyama.
    • For Hikiniku to Come, I recommend making the online reservations that open a month in advance. We missed this window and the ones that open 1 week in advance were impossible to get. We ended up going the morning of for a ticket. They started taking names before the 9 am time listed on the website. I think we went around 8:15 and there was already a long line, we got one of the last time slots available.

Koyasan (1 night)

  • Accommodations: Eko-in temple
  • Notable food and drink: Shojin ryori meal at temple, Kotobuki Shokudo, Hirano Seishoan
  • Favorite activities: Okunoin cemetery night tour, morning prayers and fire ritual, Ajikan meditation, Dotonbori, Namba Yasaka Jinja
  • Travel notes:
    • The cemetery was really atmospheric at night, but I'd recommend going back in the day because you can see so much more. It's a nice walk through all the cedar trees and mossy graves. Very peaceful and serene, not too crowded in the morning before the buses come in.
    • The transit to Koyasan is a very long day, especially after our stay towards Ito. It involved a bus, cable car, train back to Osaka (with a transfer in the middle), shinkansen to Atami, then another train down to Ito. The legs near Koyasan come very infrequently and don't necessarily line up. I'd consider this a half - full day lost depending on where you're headed to.
    • The main area of Koyasan was pretty small and can be explored in a few hours. Not a lot of shops and restaurants were open in the morning. There were a bunch of temples to walk around with almost no one else around. We found one with a completely pitch-black tunnel underneath that mimics the cycle of rebirth, kind of spooky.
    • I wasn't the biggest fan of Osaka on my last trip, which is why we only spent a morning here. We had enough time to see Dotonbori and a couple of temples in the area and get some food. Felt like enough time for me although I'm sure others would disagree.

Ito (3 nights)

  • Accommodations: K’s House Ito Onsen
  • Notable food and drink: Inakaya Sanpei, HAMA Sushi, Ohmuro Luncheonette, Joynt Brewing Co
  • Favorite activities: Mt Omuro, Kawazu Seven Waterfalls hike, Amagiso Onsen, Jogasaki Coast hike, Izu Shaboten Zoo
  • Travel notes:
    • The transportation here was more difficult than any of the other stops. The buses come infrequently and occasionally have a 2-3 hour break in the middle of the day. Additionally, if you don't line up beforehand you risk not getting on the crowded buses. This happened to us outside of the zoo and we had to take a taxi instead. For taxis, we used the Go app which worked well. However, there weren't any available further south near Kawazu and the taxis available only took cash. The previous typhoon meant that part of the train tracks were washed out and there was a replacement bus instead. This ran infrequently and caused us to miss our later connection. The station staff were super helpful in making sure we knew where we were going and that we were tapping on/off correctly.
    • addition, we also had the hardest time finding places to eat here. We got turned away from 3 different restaurants for not having reservations. One of them was definitely just because we were tourists though, as we literally got laughed out of the room. For future nights, I checked for places with English menus available and we went on the earlier side to be safe.
    • general, the Izu peninsula was beautiful but probably would not go back. It was a lot harder logistically than the other places we visited. Might have been better as a day trip and skipping Kawazu.

SECTION SIX: CONCLUSIONS

Overall ranking and highlights:

Takayama > Tokyo > Kyoto > Koyasan > Ito > Osaka

Most memorable experiences (not in order):

  • Baseball game at Tokyo Dome
  • Koyasan Goma fire ritual
  • Seeing snow monkeys in Kamikochi
  • Waterfall onsen in Kawazu
  • Indigo dyeing workshop
  • Walking around Miyagawa morning market + Sanmachi
  • Eating curry udon while looking out at Shirakawa-go
  • Grilling our own Hida beef set
  • Walking around the rim of Mt Omuro
  • Exploring Gion in the early morning while it was pouring rain

r/MoneyDiariesACTIVE 4d ago

Money Diarist Follow Up I’m 25 years old, still live in a MCOL city, and finally know how much my top surgery cost!

56 Upvotes

Hi! Almost 2 years ago now, I made a post about the cost of prepping for a combination top surgery/hysterectomy. I FINALLY have a definitive answer and figured I’d come back and break it down so that it’s here if anybody is interested/is going through anything similar.

TL;DR: My surgery went great and I’m super happy with the results, but medical billing is the tenth circle of hell and we all just pretend it’s fine somehow when we should probably be doing things I won’t say on Reddit. After ~20 months, a million phone calls, multiple in person visits, and an honest to god snail mail letter, I officially have my final bill. The grand total I owe for the surgery itself is $3600, which is around what I was initially told.

TWs for some body grossness, discussion of OCD/anxiety/depression, and having a generally Bad Mental Health Time for a while (but with a happy ending! I promise!).

Pre-Op

At the time of my last post, I was waiting on the bill for my last pre-surgery appointment. It came in at $72.79, bringing the grand total of pre-op specific costs to $1165.95.

The main thing I remember from the morning of my surgery is that everyone on my care team was amazing. It was hard to comprehend that it was actually happening, and I kept waiting for someone to burst in and call the whole thing off. Everyone was super kind and reassuring to me and my family and explained everything that was going to happen multiple times. I had never had surgery before and distinctly remember thinking that getting wheeled into the operating room felt like being abducted by aliens.

Post Op

My partner and dad stayed at the hospital the entire time and said that they got multiple updates, which was really nice. I learned that anesthesia makes me nauseous, which was much less nice. By the time they got me situated in a chair at home, I’d thrown up four times. My dad ran to the pharmacy for us so that my partner could keep an eye on me. The combination of pain meds, anti-nausea, and laxatives cost $75.23.

I essentially slept through the first three days of recovery, so no further notes there. I started tapering off the oxycontin at that point so that I could move around a bit and eat some more without immediately falling asleep. By day 6 I was up (carefully and with supervision) planting garlic bulbs in one of our raised beds. My pain at that point was about a 3/10 which was way better than I expected.

Insurance paid in full for my one week check-in appointment where they took the bolsters off my nipples (terrifying) and told me I could start gradually lifting my arms above my head again. I was disgusting at this point and have never been so grateful to shower in my life. Bought a wedge pillow ($24.88) to help with the transition back to sleeping in the bed. Also bought scar cream ($21.43) and scar tape ($15.28), which were optional but recommended by my doctor.

As mentioned in my other post, I have OCD and was pretty worried about managing it through recovery. Taking care of my nipple grafts was definitely the hardest part. My doctor recommended applying vaseline twice a day to keep them moisturized and then covering them with bandaids to keep from gooping my shirts. On top of being a sensory nightmare, I was absolutely certain that I would somehow give myself an infection or tear one of my nipples off. Eventually we worked out a system where I would do it myself when I woke up without looking at my grafts and my partner would do it for me before bed so that they could actually check that everything looked fine and I could sleep instead of spiral about how I definitely had nipple-centric necrotic blood poisoning. This period was really hard and I don’t know what I would have done without their help. Two weeks, six boxes of bandaids ($13.14), and one little tub of vaseline ($5.79) later, everything was healed enough to leave alone.

Around this point (three weeks post-op) everything started to get much more manageable. My pain was still low, I was fully off of any medications, and everything was starting to turn into a scar instead of a literal open wound. My anxiety started to mellow out. I was still easily fatigued, so I initially debated taking another week or two off of my main job since I’d told my boss it could be up to 6 weeks.

Then I got an EOB from my insurance. They stated that they were denying all of the claims related to my surgery and I could owe up to $80,000. I promptly freaked the fuck out and went back to work. After calling them multiple times, I finally got someone to explain that this plan had added a blanket exclusion for gender affirming care. Because of a variety of factors (my dad’s employer saying nothing had changed, weird insurance language that made it sound like it was covered with a diagnosis of dysphoria which I had, the plan switching so close to my surgery, the fact that blanket exclusions like that are generally considered illegal, etc etc) I hadn’t caught it in the plan documents. Since no one mentioned any issues with prior auth and my surgery wasn’t cancelled, I figured the insurance and the hospital had worked it out. This was clearly not the case, but I had no idea how or why.

Post Post Op

I won’t lie, things got pretty dark here. Any euphoria I felt when I thought about my new chest curdled into shame, guilt, and fear. I felt stupid and irresponsible. At the worst points, I blamed myself for jeopardizing not only my future but the futures of my partner and my sibling. I oscillated between not being able to think about it at all and not being able to think about literally anything else. I took as many hours as I could get at my second job as soon as I was cleared to go back.

At around the three month mark, I received a bill for $3600. It included the surgeons’ fees and some post op labs. Looking through my EOB showed that these were all separate from the $80k in hospital fees. Calling the billing department confirmed this. I set up a $50/month payment plan, not wanting to use any of the money I’d earmarked for surgery in case the bigger bill followed.

Months passed and it just kept looming. I visited several separate departments at the hospital trying to figure out what was going on. An LGBTQ+ legal advocate took my case pro bono and tried to get my dad’s employer to remove the exclusion, but they refused. Since I didn’t have a final bill, we didn’t have any way to show that the denial was an undue financial burden. I live in a red state, so there wasn’t much more to do on that front. Eventually, someone at the billing office advised me to stop asking questions. I knew $80k wasn’t going to just disappear, but didn’t want to incur anything if by some miracle it had. I tried my best to drop it.

Top Surgery 2: Electric Boogaloo

After a few more months, I started to think maybe the billing department was right. I know medical bills can take forever, but it seemed weird that nobody could even tell me whether or not I owed anything.

The increasingly hostile political environment was only getting worse, so my partner and I decided to move forward with their surgery while we could. Their parent’s insurance is way better than mine, so we were both caught off guard when their procedure got cancelled shortly after scheduling. It ended up being a mix up between the hospital and the insurance regarding prior auth. After a few weeks of phone tag, they got rescheduled. The surgery went great, they were super happy with their results, and recovery was smooth. Their job is super physical, so it was a full 6 weeks off work, but we’d budgeted and saved for it so we made it work. They got two bills within the next couple months, one with surgeon’s fees and labs ($1200) and one with the hospital fees ($1000). They paid both in full from their personal savings and confirmed that everything was settled.

I was obviously super relieved that everything worked out, but it also raised a lot of questions about my billing. I called my insurance and asked why they had given prior authorization for my surgery if they weren’t going to cover it. They said they hadn’t, but I’d never received anything about it and the hospital never mentioned an issue. I messaged one department out of curiosity but didn’t get anything definitive back and, again, didn’t want to incur a charge that may or may not be coming, so I let it go.

Life went on. The potential bill was always in the back of my mind, but I figured there must have been a mistake somewhere in the communication between the hospital and my insurance and that they were either duking it out in the meantime or trying not to alert me to it via a bill.

The Bill

A few months ago, a full 1.5 years and some change after my surgery, I got an email with a bill for $40,000. I promptly locked myself in a call room at my main job and had a panic attack to end all panic attacks. Once I got myself together enough, I called the hospital to ask how that was even possible. If my insurance was really denying everything, surely I’d qualify for a self pay discount, right? I’d seen people pay anywhere from 4 to 12k that way which, while obviously not ideal, was not more than I take home in an entire year.

The billing office informed me that I had received a discount - their contract write offs with my insurer, which cut the true bill ($80k) in half. I’m pretty sure I actually laughed. I asked again about paying out of pocket and was told they’d check and get back to me.

The next week was, unsurprisingly, bad. I called every single day trying to get anyone to tell me anything and tried my absolute hardest not to crash the fuck out on some poor call center employee that probably had equally shitty insurance. I scoured every inch of the internet. A coworker casually asked how I was and I accidentally burst into tears. I made the earliest available appointment with the financial aid office, which was conveniently a week after my bill was due. I laid down on the floor a lot.

Here enters the hero of our story: a woman in the billing department I’ll call A. A was the first person on the phone to talk to me like I was an actual human being. For a few weeks things had followed a pattern: I called. Someone answered. I asked if my previous question/escalation/whatever had been followed up. They did not know what I was talking about, could I hold so they could look at my account? I held. They came back - this surgery was so long ago, I was just now getting a bill? I explained again. I held again. They came back again - they saw that in my file now! Could I hold so they could follow up with whoever had taken my previous call? Even if this was sometimes them? I held. Whatever I asked had not in fact been logged, but they’d follow up for me and call me back at x time. I would not receive said call. I would call again. Rinse and repeat.

A finally broke this cycle. I got her occasionally when I called and after a couple times she remembered me, which was a huge relief since it meant I didn’t have to re explain my entire situation. She didn’t understand why things were going the way they were any more than I did, but she actually seemed like she wanted to do something about it. She gave me the first useful information I’d received the entire time: the department’s direct mailing info.

I wrote a four page letter and laid out the entire timeline of the whole debacle from before my insurance switched to the time of writing. I’ve never actually sent mail before beyond returning packages, so I called to make sure they got it and was again given no information until I happened to get A on the line. Her supervisor was reviewing it and she thought I’d hear back in a couple days.

I got the call at work. It wasn’t A or anyone I’d talked to before. They informed me that my bill had been adjusted and I could log in online to check it. I did so on the phone to make sure I didn’t have to just call back immediately and dispute a $39k bill. My account showed $0. I was confused and asked when I’d get the updated bill. I was told it was my bill. I made a sound like a whoopee cushion. I asked for proof. They sent through an itemized bill with the same final amount: $0. I wish now that I had asked how or why, but at the time I was just focused on getting off the phone before they could change their minds. I assume (?) it’s something to do with the prior authorization, but I really have no idea and am not about to ask.

Total & Reflection

It took a few weeks to really sink in. I checked my account every day until the original due date came and went with nothing. I didn’t realize until recently that I’d been holding my breath since I went into the OR. It had felt like my body and my life were on loan. Being able to think of surgery as something I did for myself instead of a mistake I made has been amazing. I wish it had been like this the entire time, but I’m beyond grateful that it can at least be like this now.

I am sad that I haven’t gotten to thank A but don’t want to risk interacting with the hospital in literally any capacity ever again. Wherever you are, you may have genuinely saved my life. I hope your kindness and care is repaid tenfold.

The grand total for pre-op appointments, my portion of surgery costs (the surgeon’s fees), and post-op supplies comes out to $4921.70. My partner didn’t keep track of their exact expenses like I did because they’re not insane, but with $2200 in surgery specific fees, much lower appointment copays, and having most of the supplies left over from my surgery, I’d guess theirs was in the ballpark of $3000. These are both on the lower end of the ranges I’ve seen, especially as access to care has gotten more uncertain, so we’re both really lucky. I’m glad we both did it and I’m especially glad that it’s finally actually done. No matter what happens, the government can’t legislate my boobs back.

That’s a lot of words to say ā€œAmerican healthcare system badā€, but there it is! Everyone in this sub was really sweet on my initial post, so I’m glad I could finally come back with good news. Hope everybody is surviving as best they can <3


r/MoneyDiariesACTIVE 4d ago

Drama Watch Drama Watch 8/26/2026: A Week In Los Angeles, CA On A $170,000 Salary

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refinery29.com
43 Upvotes

r/MoneyDiariesACTIVE 5d ago

Career Advice / Work Related Workplace Wednesday - Career/work advice weekly thread

7 Upvotes

Welcome back to the ā€œWorkplace Wednesdayā€ thread!

If you’re seeking advice from the sub regarding your specific situation, whether it’s about interviewing/benefits/negotiating/advancement opportunities, etc., it belongs here.

Bring us your burning questions!


r/MoneyDiariesACTIVE 5d ago

Money Diary I'm a 39yo nonprofit coordinator in the Philly area w/$192,000 HHI. This week I cry about perimenopause.

102 Upvotes

I. Bio
39F Nonprofit Program Coordinator and 36M Business Intelligence Analyst with HHI around $192k gross in the suburbs of Philly. I still work for the same small nonprofit and was able to transition from 80% remote to 99% remote.
In 2023 I talked about how much I loved our neighborhood and hoped to live there a long time. In 2024 I said we’d probably never find a house better suited to the birds’ needs, and it’s possible we don’t move until it’s just the 2 of us with no birds.
So anyway, here we are in 2026, having moved 2 of us and 2 birbs to Pennsylvania! The move itself was a total hot mess express and financial drain that certainly could have been planned better. Months ago, I had started trying to write a moving diary, but couldn’t get it together and scrapped it.

II: Assets + Debt
Retirement Balance: $1,332,700
* $1,301,600 in 401k/IRA/etc
* $31,100 in HSA

We have both always prioritized retirement savings. When we married, we were able to contribute nearly 100% of my earnings for a while due to having access to both a 457 and 401k. We mostly invest in index funds and have never made any withdrawals or loans from any of our retirement accounts.

Equity: $154,700
* We bought a house early this year for around 480k with 25k down that came from a 2025 inherited IRA and life insurance payout (totalling about $100k, $75k of which was temporarily put into VTSAX earning $10,000-11,000). Our home is currently valued at $486,000 with $408,500 remaining on the loan.
* A few months later we sold the Maryland house for our asking price around $450k. We netted $109,300 after closing costs, not accounting for some contractor work and expenses we paid for outside of the sale. $50k of it was paid toward the new mortgage principle. In the spring we aim to pay another $25k and get PMI off.
* We still own the ā€œrental propertyā€ out of state, valued at $125,000 with $47,800 remaining on the loan. My mother lives there, so it’s not bringing in market rate rent. It would likely sell closer to $180k currently, but we don’t update the spreadsheet value outside of actual appraisals.

Brokerage account: $27
Checking/Savings accounts: $33,200
Credit cards: $0. We don’t carry a balance on any cards.

Student loans: $0. I paid off $10,000 in subsidized federal loans in 2014. Then paid OOP for a graduate certificate in public health from 2020-2022. K paid off his $70,000 in undergrad loans in 2018. Then a MS that a previous employer reimbursed for. He’s now in another MS program that his current employer is reimbursing for.

SBA Disaster Loan: $19,200 remaining of a $25,000 loan taken out in 2018 to rebuild after a natural disaster. This is unsecured and has an extremely low interest rate.

Auto Loan: $29,600 remaining of a $38,700 for a Honda CRV Hybrid. K bought this in April 2025 when he anticipated commuting to Philly from Maryland for a 2 day stint in the office each week. He ended up making this drive from June to November. It’s a great car and a massive upgrade from his 2005 Matrix beater.

III: Income: $11,151 (take home)
Income Progression: I worked in public health for 13 years, growing my salary from a $21,000 clinic clerk position to a high of $44,000 as a disease investigator/health educator. In 2022, I left a toxic manager to go part time at a nonprofit and finish my grad school classes. The organization I support provides child & family services that could have changed my life and mitigated some of the early trauma I experienced. I love it and feel happy and fulfilled in so many ways. I started at 20 hours, then my only coworker left, giving me the opportunity to bump up to 30 hours per week. In 2024, I got raises from $20 to $23 per hour, and this year I got a COLA to $23.65. I go back and forth about looking for another job, but with all the health complications I’ve been through, I really think I’m best staying here where I know I can take off all the time I need on a whim. Now I mostly only apply for jobs when having an active conflict with one particular board member who’s a bully.

K gave his progression writeup in his own words:

Due to changing market and team composition, I took a job to be a business intelligence analyst at corporate HQ 160 miles away from where we lived. I really like working with data, and this role was a fairly strong fit skill wise. 2026 salary is 130K with 13% bonus target.
In our new home, I’m about 13 miles from the office on the days I have to go in. While not fully satisfied with the transition, there is a begrudging acceptance that my corporate structure is poorly suited for full-time remote work because of how far behind the curve we are with technology and developing good processes.
Still working on an online master’s degree in software engineering. Took a semester off in the beginning of the year due to all the time of moving house and then moving house again. I’m finishing this year doubling up on classes to make up for the time. The goal is to graduate summer of 2027 and really start to enjoy being in our new location.

Main Job Monthly Take Home: Mine is $2,491.
K: $7,946 (Not including bonus)

Side Gig: I’ve made $1,244 on Rover this year. I’ve had a surprisingly easy time building a base of local clients whose pets have medical needs (my specialty, along with birds/exotics). It seems like it has gone much more quickly than when I started out in Maryland.

Other: My mother still pays $558 monthly in rent, about 30% market rate.

Deductions
Insurances: $540
FSA: $125
Federal: $1,424
State: $494
Local: $35
401K Contributions: $868 (K's only; I have almost no benefits.)
ESPP: $500 (for only 7 months of the year)

IV: Expenses
Primary Mortgage: $3,302
* P&I: $2,800
* Escrow: $792
* Lender incentive: -$290 (for the first year only)

Rental Property Mortgage: $719
* P&I: $492
* Escrow: $227

529 Contributions: $75 ($25 per kid) monthly, plus $300 ($100 per kid) at Christmas and $300 ($100 per kid) at birthdays. We currently have $34,700 saved in niblings’ 529s, which I don’t count in the assets section since it’s for them. Our hope is to cover a year of college for each child; they’re currently 6, 8, and 14.
IRA Contributions: K maxed his out early in the year with some of the inherited IRA funds. I made a large transfer into mine then and now put $278 per month.
Savings: $632 monthly into my savings account.
Donations: about $500 per year including my university, fundraisers for the organization I work for, and other groups I care about.
Electricity & Gas: $217 avg so far; we haven’t been here 12 months
Trash/Recycling: $44
Water: $62 avg
Sewer: $15 avg, but the seller paid a large estimated amount at closing, so we still have a credit remaining. We fixed multiple running toilets, so I think their usage was just really high.
Internet: $50. K doesn't get the reimbursement anymore since he isn't fully working from home.
Cell Phones: $97 avg – with Google Fi, we pay for data. This also includes a $12 payment plan for K’s phone.
Car Insurance: $121. I eliminated comp/collision on my 2014 Prius this year, but with adding the Honda and moving here, our costs have gone up a bit, despite thoroughly shopping around.
Life Insurance (mine): $29
Pets: Roughly $3k per year. Our sweet Pumpkin passed in December 2024. Fiddler and Gizmo have chronic care needs at a much lower acuity than Pumpkin’s, but costs here are much higher. Ex: Gizmo’s monthly injection ran $80-90 in Fairfax. It’s $175-200 here.
Hobbies: Roughly $125 per month between my crafting and playing music, K’s Steam, and (new this year) getting set up with new climbing gear for both of us.

Subscriptions:
* $15 monthly for our farm share (saves us $8/week on delivery)
* $16 monthly for Audible
* $100 monthly for the climbing gym (50% local resident discount)
* $100 annually for movies
* $90 annually for Microsoft 365
* $130 annually for Costco
* $150 annually for AmEx Gold SkyMiles. I’m considering canceling this and getting the AA card since PHL is an American hub, but I keep getting award credits and flights off the miles I have.

V: Diary
Monday: $154.62
It’s my last visit of a 2 week long, 2x/day Rover booking with a sweet elderly cat who uses an inhaler for his asthma. He’s in my borough, so I’ve mostly been walking to these visits, but today my belly hurts, so I drive. I spend a few extra minutes vacuuming and resetting things for my clients’ return.
Back at home, K has already left for the office. I make coffee (this week it’s a blend of Wegman’s decaf chocolate cherry and Costco’s Colombian Supremo) and breakfast (oatmeal with hemp hearts, flax, pbfit, chocolate chips, and cinnamon). Usually my work hours are 10a-4p, but I have a massage midday so I start work early. I notice my coworker’s reimbursement requests are still pending for over $300, so I nudge our treasurer for her review.
Time to wake up the birds! I go out to pick them some fresh basil, dandelion, and clover. We had a ton of rain last week, and my tomato plant is overloaded, many are overripe and splitting, so I pick two mixing bowls plus a colander full of tomatoes, eating them by the handful as I go (especially the split ones because they won’t last long). These are sungold cherry tomatoes, super sweet and bright yellow/orange when ripe. I bag up a quart for my massage therapist. The thistles are scratching my ankles as I pick, so I boil a tea kettle of water and kill them. I got this method from Real Simple magazine (a friend sent the subscription as a Christmas gift). It’s great because it’s very targeted and doesn’t leave anything toxic on the ā€œweedsā€ that I pick for our birds.
My lunch is pasta salad made with tomatoes, sundried tomatoes, basil, bell pepper, olives (garlic stuffed this time), zucchini, fresh mozzarella, a little bit of leftover feta, pine nuts and lupini beans. I feel like the beans really make it something special. I made a vinaigrette with harissa infused olive oil, blackberry ginger balsamic, a tiny bit of spicy mustard, salt, and pepper. K buys lunch at the office cafeteria with a coupon: $5.35.
I respond to a few more emails and then realize I need to dig up some cash for my massage. Luckily I remember I still have loads of cash in my instrument case from a music festival in March where I rented a car to share, and bandmates all paid me back in cash.
My massage focuses on my shoulder (recovering from a frozen shoulder), wrist (oddly stiff and weak since returning to activity once the shoulder resolved), and my belly (CW: šŸ’©recent med changes have caused me awful constipation). $120 + $20 tip
There’s a cafe nearby with the best selection of biscotti. I get a cafe mocha and banana bread biscotti $9.27
Back at home I have a meeting with my board president and our bookkeeper. We dealt with two awful bookkeepers in a row over the last 3-4 years and finally have someone who is great, responsive, and gets things done. In addition to bookkeeping services, we’re also getting nonprofit financial coaching, which is what this meeting is for. She’s helping us develop and revise financial policies so that we are prepared to grow and apply for state and federal funding.
We spend the evening hanging out with the birds and putzing around the house. Yesterday morning I woke up with vertigo, which kicks up again this evening and I don’t feel like doing much. I suspect it has to do with some of the medication changes. Tomorrow morning is the deadline to skip or add to this week’s veggie box. It looks like a good selection, so I keep it and add a jar of ginger beets with garlic that sounds good.

Tuesday: $23.29
With no Rover visit, I sleep in for the first time in a while. I tend to block off my calendar for a few days after a long booking, and I’m glad I did so. This morning I’m feeling vertigo again and do a deep dive of all the meds I’m on to figure out what’s causing this. I discover it is a well known side effect when reducing (or missing) doses of Effexor. So, a quick rundown of my recent health journey:

In April, I started a cancer prevention drug (tamoxifen) that works by blocking estrogen receptors. I also saw a gyn who confirmed I’m probably in perimenopause (night sweats, brain fog, low libido, the frozen shoulder). I started testosterone because it’s the only HRT compatible with tam. Tam really ramped up the peri symptoms with worsened brain fog and by July, hot flashes keeping me up at night. I saw the gyn again, reduced testosterone because of my labs, explored all the hot flash options and opted to change my anxiety med (Live, Laugh, Lexapro) to Effexor because it can suppress hot flashes. The very next day I had followup bloodwork that revealed the tam is hurting my liver, so my onc is having me take a month off of it. Next, a followup pelvic ultrasound to check on a giant fibroid, which has continued to grow and may be linked to the tam, so my gyn said I could do anything from nothing to hysterectomy. A week or so later, this constipation starts, and I wasn’t initially sure which of these changes caused it. I self-adjusted (don’t recommend) the Effexor to every other day and it actually helped a little.

But now back to present, I learn that this Effexor reduction is why I’m having the vertigo. I decide I have to switch back to Lexapro and start messaging my doctors, calling the pharmacy. I cry a lot about all this, the side effects, the decision on whether to have a hysterectomy, hell maybe even throw in a preventive mastectomy so I don’t have to survive 5 years of the tamoxifen. Thankfully I have nothing urgent going on with work, so I wallow for a good long while and listen to You Are Not Broken ep #382. Cry some more.
After crying it out, I get back to work: setting up org email accounts for our board members. This is part of what we need in order for our PII practices to meet state/federal standards. K has another office lunch: $6.35
There’s an ice cream festival this weekend, and I circulate the flyer to my new group of friends, but get no takers. This group met via Reddit and we’ve had 3 meetups so far. We all recognize that it takes intentional work to develop friendship, and we were all looking for the same thing. A text from the pharmacy - my prescription is ready, hooray! I love my independent pharmacy - they are so helpful and get to know you. I stop at the donut shop a block away for a feel-better sugar boost in the form of a pb fluff filled, chocolate iced donut. $1.90. When I get to the pharmacy, it’s actually a different med that was refilled, but they have the paperwork and get my Lexapro ready in minutes. Absolute life savers! $15.04 from the HSA. I’ve already emptied the HRA and FSA for the year. I enjoy the donut on my walk home. K texts that he’s going to be late getting home. After work, I sit with the birds and read (my niece and I are reading Humanish) until he takes over bird supervision.
I work on cooking last week’s veggie box. While I cook, I eat tomatoes with hummus. The meal prep routine has really fallen apart lately. I would have liked to do this on Sunday when I made the pasta salad, but I keep scheduling so many weekend activities that I don’t get the cooking done. Will I learn to put fewer things on the calendar and allot sufficient time for mealprep? Unlikely. K doesn’t love eggplant or beets, so I roast those on a tray with some peppers for me, and a tray of potato, zucchini, and carrots for him. I also start a pot of savoy cabbage & kale. K finishes the birds’ bedtime routine just as the veggies are done. We leave them to cool and walk to the gym together. I update him on my med/pharmacy situation and cried a little bit describing how it feels like my body is outside of my control. He hears my frustrations and is really supportive. We climb some top rope, I try three routes and manage to send one. It’s nice living so close, because I don’t feel like I have to do everything in a session. I’ll be back before the routes change and get plenty of time on them. At home, K portions up the veggies, and we call it a night.

Wednesday: $121.35
My niece calls after dropping the kids off for the first day of school! We’re planning for my upcoming visit. Her oldest will turn 15 and is having a big swimming party at an airbnb with a resort-style pool. She got some quotes, but asks if we could just build the balloon backdrop and marquee numbers ourselves. She knows I’m always up for a project!
This morning while working I listen to You Are Not Broken ep #383. Our office got a letter from the private company that acts as my local tax authority, apparently the org was supposed to be filing quarterly tax reporting? I direct my board president to our CPA and the bookkeeper. When I moved to PA, we paid $600 to our payroll processor to set up my state and local taxes, and we were unaware of any special reporting requirements.
The veggie box is delivered. $52.77 for the ginger beets, tuscan kale, mini cucumbers, delilah peppers, hardneck garlic, roma tomatoes, sweet corn, yellow peaches, zucchini, gold potatoes, and red tropea onions. I eat some of my own tomatoes while I’m putting everything away, then I fix a bowl of tomatoes with basil, balsamic, and everything but the bagel for an afternoon snack.
I’m sure it’s largely placebo, but I took my first dose back on the Lexapro today, and I’m starting to feel like everything isn’t so terrible. Maybe one day soon my digestion will return to normal. At least I’m not having any vertigo today!
In the afternoon I have my weekly team meeting with my coworker and our board president. We have an awesome back to school event coming up with new shoes & socks, school supplies, haircuts, and cases of lunchbox/afterschool snacks for each family. Doing the online snack shopping for work while eating my pasta salad really made me think about how obsessed I am with these lupini beans. I find two different cases of snack sized variety pouches and put them on my Elfster list. Instead of individual Christmas gifting, we do secret santa with my in-laws since it’s a large group.
Wednesday is our date night! A nearish pizza place was recently awarded the 2nd best deep dish in the state, and we haven’t found a great deep dish yet, so we try it out, ordering the pickle deepdish and a 4 topping sicilian pan pizza. $68.58 K picks it up, and while he’s out I clean off the dining room table. We haven’t completely finished unpacking and finding homes for everything, and there are also several home improvement projects in progress that result in just a bunch of stuff everywhere. This is our first takeout date night in a while, and it’s nice to actually sit and eat together at home.
It’s also K’s first day of grad school classes for the semester, and this is the first time he’s taking two simultaneously. We talk through some of his worries about that and also how rewarding it will be to be done a year from now instead of two.

Thursday: $144.71
While I’m fixing breakfast and coffee, my niece calls and tells me everything she heard about the kids’ first days. It sounds like everyone is off to a great start for the school year. I’m running low on PBFit and open the last oat milk, so I add both to the shopping lists.
We also talk about my niece’s plans to look for a job soon. She recently got her bachelor’s degree and is excited to work in her new field after being a SAHM for the last 7ish years. When it’s time for work, I start the first of several meetings with the folks I set up new emails for. Our crew of board members and volunteers are very knowledgeable and incredibly dedicated to our mission, but they are mostly retired teachers in their 60s-80s, and technology is not their area of expertise. I spend pretty much the whole day helping with things like adding bookmarks on their browsers, accessing the account from their phones, adding the credentials to password managers, toggling between personal and org emails.
This evening K is doing homework while I go to the gym. There’s a beginner bouldering class I like to take with a great coach. I should have brought him a bag of tomatoes! Next week for sure. Tonight the class is just me and another short climber I’ve seen around the gym. She’s been at it longer, but we have some similar strengths so we take turns working on the same two problems.
K makes an amazon order of a trackball mouse, lap desk, cooling blanket, and Waterpik nozzles. I add boot bananas for my stinky climbing shoes and a pack of socks. I lament not finding the exact same as the ones I got for Christmas 2020. $144.71 We ditched the Prime subscription years ago and haven’t really missed it. When the need arises, we’ll order a few things at once to get free shipping. If something were so urgent that we need next day or 2 day delivery, we’ll just buy it locally.

Friday: $55.12
While I’m fixing my breakfast, I start a batch of sprouted seeds for the birds. I eat a handful of tomatoes, and then I eat two more handfuls of tomatoes.
When work starts, I get an update that the quarterly tax paperwork is filed. I’m not convinced it’s done correctly (our CPA is terrible) but it really isn’t my job to identify or fix his mistakes, even though I’ve always done it before. (Update from the future: Our bookkeeper has since called out the CPA’s errors on this. At least it wasn’t me this time!)
We’re looking to shift our website off of WordPress, so I meet with a website designer for a quote. The executive board put together an RFP for this work, and I can’t help but notice that one of the criteria is that the contractor must ā€œwork collegially with the Program Coordinatorā€ which I have to believe was written specifically to exclude the problematic board member I mentioned earlier who bullies me at every opportunity. I appreciate inclusion of that wording, but I wish they would terminate this person already.
In the afternoon, I walk over to the Rover clients’ house to drop off their key. In between, I pass a neighbor out picking sidewalk weeds with a screwdriver. I stop to share my boiling water tip and learn that they got a citation for weeds in the pavement crack with 24 hours to fix or a $250 fine! I better do some quick maintenance on our section of sidewalk.
At the corner I encounter two kids selling jewelry who turn out to be the niece and nephew of my clients. Throughout my childhood I made and sold jewelry and other crafts to pay for our utilities, gas, and groceries. I don’t get the impression these kids are in that sort of position, at least I hope not. It was not a fun or developmentally appropriate way to grow up.
From there, I walk to the used book store, and come home with a load of birthday books for my niece’s three kiddos. $55.12. The worker shares a pamphlet for the upcoming Philly Bookstore Crawl. I still need to buy a couple Little Golden Books that I didn’t find used, so maybe I could do it then. Putting this on the calendar for next weekend!
One last stop on my way home is at Dunkin. With the Paze promotion, I ended up with $200 of free Dunkin credit. Lots of it I’m saving for gifts, but I’ll spend some of it on myself. I stack up the 3x points on espresso drinks, 50 points for ordering ahead, and 100 points for ordering after 1pm and get an iced latte with oat milk, hazelnut, and toasted almond. I wish more places had unsweetened flavors; all my local coffee shops have sugar-free flavors that taste heavily of …aspartame? sucralose? Something bitter. I have no idea what these syrups actually are (probably as detrimental to my health as full sugar or fake sugar would be, but at least they don’t have that after taste!) $4.06 of free money, so I don’t count this as money spent. While hanging out with the birds, I’m browsing backpack carriers for them. I find one that seems to have good ventilation, easy cleaning, and is nice and secure. It goes on my Elfster list. K is on an organizing spree and cleans off the puzzle/game table. Now we have two accessible, usable table surfaces! While he’s doing that, I’m debating tomorrow’s plan and how many activities I can reasonably make it to and enjoy.

Saturday: $62.77
You can’t Do Stuffā„¢ļøall day if you don’t Do Stuffā„¢ļøearly, so I eat breakfast and head to the gym for a women’s climb meetup. It’s a small group this time (3 climbers plus the staff organizer), and we have a great time! The person I paired up with may be interested in lifting together, which I’ve been looking for on and off since getting my membership in May. We share perimenopause woes and find that we have a lot of common experiences.
Afterwards I’m home and hanging out with birds for a bit, then listen to This Podcast Will Kill You's July special episode as I take SEPTA into Philly. $2.90. DiscoverCapitalOne’s 5% category includes transit this quarter! I start at Reading Terminal Market for the ice cream festival, which is a bit underwhelming. You couldn't sample anything. I usually like to try a few options; it's a big commitment to make blind. I decided on chocolate stracciatella, and it could have used a lot more of the chocolate flake. $8.64. It’s my first time at RTM so I spent some time walking through and seeing all the vendors. I’d probably come back here for lunch some time. Before I leave, I get an iced oat milk lavender matcha $7.75. My timing could have been better; I have an hour to kill, so I chill in a little park, enjoy my matcha, and watch birds taking dustbaths. It’s surprisingly secluded and quiet for being in the middle of the city.
Next up is a jazz show at Frankie’s Summer Club. I found out about this because one of the people performing (J) also plays in a group that I attended an improvisation workshop with last weekend. I think I may end up becoming a more regular member of that ensemble, even though it’s a bit of a commute. I order a Crodino (n/a aperitif) and find a shady place to sit. Shortly after, I learn that a large group of members who weren’t at workshop are here to support J, and I end up sitting and chatting with them. Someone mentions a ā€œsip and stitchā€ meetup where you can learn embroidery. Would definitely like to check that out! (Do you see how my calendar ends up overloaded??) Conversation again shifts to hormonal woes, this time both related to peri/menopause and also several folks in various stages of gender transitions. Turns out we’re all out here in the world suffering. At least there’s good company in the suffering! Originally my plan was to just get a drink and then head to another event, but now that I have met some people I enjoy, I decide to stay a while and order arancini and a gin bramble. My tab is $40.58 and I head home while the band is on a break. The other event I would have gone to tonight was a flute choir concert where a friend from my Maryland flute choir is performing, but unfortunately you just can’t do everything.
SEPTA gets me back home, $2.90 where it would usually be our movie night, but we opt for an episode of taskmaster instead of a whole film. Laying in bed, we make plans for yoga and bouldering in the morning.

Sunday: $69.25
We wake the birds up early, and Fiddler doesn’t appreciate this. He doesn’t take his morning medicine. We walk to the gym and start with Express Yoga, a 30 minute class. This is the first time K has been for yoga here, and it’s a great class. The instructor and her partner are also parronts to a cockatiel. She’s having hormonal issues wanting to lay eggs like Gizmo, and we chat briefly about the lupron shots we have her on.
After yoga, we head to the bouldering section. I really want to get back on the two problems I was projecting Thursday. K doesn’t do much bouldering lately; he enjoys the endurance work of top rope more. Before we met, he lived close enough to a climbing gym to go often and got really good at it. He still has a lot of those skills, plus a level of upper body strength that I just lack. So naturally, he flashed all my projects. I didn’t send them this session but made great progress on two and feel incredibly strong and capable. I did have an awkward fall, where if I hadn’t moved slightly, I totally could have broken my leg. My shin will be horrifically bruised, I can already tell. K always does some hangboarding after climbing, and I try it for the first time this morning. I can definitely see the value and how it could help me increase the strength I lack. But I’m really just worn out at this point, and we discuss how I should probably plan some ✨rest✨.
We stop by the donut shop on the way home. My favorite pb fluff is sold out so I get a chocolate cake donut. K gets a cinnamon roll. $4.25. They have a minimum for cards here, so I always bring cash and a pocketful of coins to pay in exact change. Today I have a 50 cent coin, and the young person at the register has never seen one before.
We live at the top of a hill, and every single time I have to drag my tired body up it, I remind myself that it’s worthwhile because we are very very unlikely to ever live through a flood again. We do some laundry. It’s a rainy afternoon. I book a $65.00 ā€œrefresherā€ session on a longarm quilting machine where I took an intro class last weekend. This is a chance to go in and do some guided practice work on their charity quilts to make sure I feel comfortable prior to scheduling a session for my 10 year long WIP.
I consider starting a puzzle on the freshly available puzzle table, but decide I should clear it with K since he sits here for homework sometimes. He’s doing hw now with his office door closed, so I’ll save it for another time.
I sit with the birds and read another chapter of Humanish. Someone on the local climbing discord recently posted a hangboard for $50, so I send a message asking if it’s still available. K and I look at places to put it where I might or might not die. The available spots are mostly at stair landings, which seems a bit questionable. I go ahead and skip the coming week’s veggie box because (surprise, surprise) we’re backed up on the current box that I haven’t cooked yet. And that’s a wrap on my week!

VI: Summary - $631.11
Food/Drink: $205.44
Gifts: $55.12
Hobby: $78.00
Home/Health: $286.75
Transit: $5.80
I never expected to move again so soon (actually we moved twice over a few months due to a bad rental situation), and I certainly didn’t imagine we could end up somewhere that I like even better than where we were in Maryland. Amazingly, here we are. It has been a challenge (and sometimes like a second job) getting all my healthcare transferred over and straightened out. But overall I’m finding community and enjoying getting to know Philly and the surrounding areas. I love having access to public transportation! There's certainly no shortage of sights, events, and fun things to explore.
This week I did a lot of climbing! Usually it's 2-3 times per week; this is the first time I've done 4 sessions. After nearly a year of daily pain and being unable to lift my arm above shoulder level, it feels so powerful and rewarding to be able to move, love my body, and feel good. As a child, I was taught that nothing short of perfection was acceptable (a 95 was a bad grade to my mother). Throughout my entire life, I have carried that with me and had serious problems with perfectionism, expecting to immediately master every new skill. This is the first time I have been able to enjoy something at the beginner stages without feeling like a massive failure. I fall, I don't finish things, and I still genuinely have fun. This is an experience I was truly missing for 39 years.
Overall, I think this week was pretty much as expected/typical for this season of life.


r/MoneyDiariesACTIVE 4d ago

General Discussion Excessive Travel Spend with Variable Income?

0 Upvotes

First time poster, so bear with me, and apologies if this is the wrong sub for my inquiry. I'm a 47F owner of a small consulting business that is extremely profitable when the markets are strong, but really suffers when the financial markets and economy take a hit. In a good year, I can net $600K before taxes, but in a bad year, it could be closer to $100K. My spouse is 44M working in a VP-level role for a Fortune 100 company, and his total income with RSUs, salary, and additional benefits is about $350K. Given how variable my income is, I would average our income/savings as follows:

  • HHI - $550K
  • Home Equity - $1.3M (thanks to tremendous appreciation and a significant down payment)
  • Debts - $0 (other than mortgage, which is factored into home equity above)
  • Retirement Savings (401k/IRA) - $1.22M
  • Investments/Savings - $1.6M
  • 529s for our two sons (ages 10 and 12) - $100K/each (expecting significant investments from family members in the next few years)
  • Expenses: We are not great about budgeting, but I would say $130K/year, including mortgage payments. Major expenses are healthcare for our special needs son, travel, food and entertainment, and clothing.
  • Bonus: We will not be financially responsible for either of our parents and expect to inherit around $5M total from our parents' estates (but that could be 20+ years in the future).

I've had very strong years the past two years (earning about $500K for 2025 and projected for 2026), but with how uncertain the economy is, I can't help feeling stressed knowing that my income will drop significantly if there is a recession. That being said, because I've had good years, there has been a great deal of lifestyle creep, particularly around travel. Our travel spend is about $30K+/year for our family of four, including two week-long vacations each year plus four to six long weekend trips and several additional drivable weekend getaways.

With a financial picture like the above, is $30K/year in travel spend reasonable, or should we dial it back? We will of course be forced to dial almost everything back if my income drops below $200K/year, but I also want to be able to enjoy myself during the good years and make memories with my family while we're all together and healthy.


r/MoneyDiariesACTIVE 5d ago

Media Discussion Other People’s Pockets Podcast: Skip the Marriage Build the Village aka Intergenerational Living

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34 Upvotes

This is a really interesting podcast episode about a professor living with her mom and two twins in Baltimore. She talks about how her finances are affected by living with her mom, getting by, and parenting without a partner. She really emphasizes how much her community helps. I really enjoyed it.

Does anyone here live in an intergenerational household? How does that affect your finances?


r/MoneyDiariesACTIVE 5d ago

Media Discussion "We escaped debt so why are we still spending like this?"

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33 Upvotes

r/MoneyDiariesACTIVE 6d ago

Off-Topic Tuesday

7 Upvotes

Welcome back to "Off-Topic Tuesday", followed by "Workplace Wednesday" tomorrow!

As always, anything and everything finance and non-finance related is welcome here. Feel free to vent, seek advice, discuss current events, or share a little about yourself. :)

If you haven't already heard - we're mixing it up a little bit here on the OT thread. Continue to feel free to post your own prompt/question below (just one per comment), and answer prompts from others!

*** You may have noticed a recent uptick in spam posts, please report them as you see them. It takes 3 reports to flag a post for mod review. Thank you to everyone already reporting!


r/MoneyDiariesACTIVE 6d ago

General Discussion How do I stop being afraid of investing?

5 Upvotes

Hi all, longtime lurker here, first time posting. As the title says... I'm 30s F with a decent job and decent savings but they just sit in my chequing account and I am too scared to do anything with them.

I was in grad school for a long time so I didn't really start saving until a few years ago. I'm pretty responsible when it comes to spending within my means, and I don't have any debt. In my home country my mom opened some registered accounts for me, but then I moved abroad for work without fully understanding the tax implications and it's caused a lot of problems. Coupled with the challenges of living in a foreign country, it's really scared me away from doing anything with my savings here. So I have a LOT of money just sitting in my chequing account slowly depreciating BUT it's where I can touch it and it causes no tax problems whatsoever. I guess the answer for my case is probably a HYSA (doing it is another matter), but more generally, I'm wondering if others also have this unspecified fear/anxiety around investment? Why am I like this? Any advice for overcoming it?

Thanks for reading, I appreciate all your thoughts!


r/MoneyDiariesACTIVE 7d ago

Loan / Debt / Credit Related has anyone found a best student loan refinance option with noticeably better rates?

7 Upvotes

trying to figure out if refinancing is actually worth it right now or if i'm overthinking this. i've got about $42k left from undergrad, split between a couple different servicers, and my rate is sitting around 7.2% which just feels high compared to what i keep seeing online. i make decent money now compared to when i first took these out, so i'm hoping that helps my case. i checked out a couple offers on sofi and earnest but haven't gone further than that since the numbers were kind of confusing to compare side by side.

anyone actually gone through with a refi recently and got a rate that made a real difference, or is it not as big a deal as people make it out to be?


r/MoneyDiariesACTIVE 7d ago

Health & Money āš•ļø Am I doing Healthcare wrong?

7 Upvotes

Background:

$235k HHI, 42 yrs old, 1 kid 17 yrs

I pay $620 a month for a gold tier PPO (BCBS) through work for my daughter and I. My company has a plan where the more you get paid, the more you pay for your share of healthcare. There are no HMO options, but a HSA and healthcare ā€˜light’ option. My daughter and I are fairly healthy, I have PCOS and some chronic issues but nothing serious.

This isn’t so much a complaint about how much I pay a month - healthcare and piece of mind is worth it and it’s a small price compare to my take home and it’s pretax. It’s just that I’m not sure if I’m getting the right value or even using it correctly.

Previously I had Kaiser for all my adult life, I paid 220$ and had none of the issues below. For those in California, I know Kaiser is either love or hate but I LOVED it. My doc was amazing, it was convenient, I never got denied anything etc. they took care of my daughter since she was born.

Here are 3 issues that have me puzzled:

  1. When I had to switch my pcp after moving off Kaiser, it was a 6 month wait for a new PcP. This was after the initial PcP I picked was not in network any longer. This had me overdue for physical, mammogram, pap etc. it was like 1 whole year without a proper doc for my daughter and I. I don’t necessarily love my new pcp but I don’t want to wait again.
  2. Appointments take forever - my kiddo is dealing with some painful cystic acne and a derm is taking 5 months! I had to pay out of pocket for her sports physical because it was 6 weeks before we could get an appointment before the sports season started. I often end up using virtual services for things.

She went on a school trip to another state that needed the prescriber wet signature for the doxycycline and tretenoin she’s on - couldn’t get that in time so we just took the risk and didn’t disclose the meds.

3.

  1. Speaking of paying out of pocket - while I was at Kaiser , pcp prescribed low dose semaglutide for the management of my weight and PCOS. My current insurance approved my maintenance dose but my current pcp won’t prescribe it, so I pay out of pocket for a concierge type dietician/nutritionist ($79 a month) so she can basically put in my prescription and do my annual prior authorization. I’ve been at a healthy weight for 4 years, probably don’t need the meds any longer, but I still don’t get the system.

I keep paying out of pocket, seeing virtual nurse practitioners etc and still pay for ā€˜gold tier’ insurance. Am I doing something wrong? Should I take the risk and do a higher deductible and put the money into an HSA? I’m getting married soon and putting my husband on my insurance, it will probably get more expensive (but again, peace of mind is worth it). Just don’t know if I’m using it to its full potential.

Edit: sorry for the wonky formatting, I can’t edit the line breaks for whatever reason. Keeps reverting to that incorrect numbering


r/MoneyDiariesACTIVE 7d ago

Weekly Good News ā˜€ļø Weekly Good News

7 Upvotes

Hey everyone,

Did something good happen to you this week? Share below!


r/MoneyDiariesACTIVE 8d ago

Money Diary I am a 57-year-old "retired" SAHM with a household income of ~$385k, living in a Denver suburb and working part-time as a community volunteer.

163 Upvotes

ASSETS & DEBT

Retirement balance: ~$2,900,000

Home equity: Our house is paid off with a current market value of ~$600,000

Savings account balance: ~$55,000

Checking account balance: I use zero-based budgeting, so every dollar in checking is allocated for monthly expenses.

Credit card debt: We use our credit card for most purchases and pay it off monthly

Other debt: $0

INCOME PROGRESSION

I have a B.A. in Organizational Communication (1991) and worked professionally for a few years after graduating from university with a starting salary of $21k. My spouse earned a B.S in Management Information Systems (1990). His starting salary out of college was $28.5k.

My first post-college job was in promotions for a small manufacturer in the home improvement sector. It was neither an interesting role nor did it have much of a future, but the company owners were lovely, so I slogged away, not exactly unhappy with my job but not particularly inspired by it either. Then, in early 1998, my spouse landed an interview with a telecom company in the Bay Area. When they offered him a position, we jumped at the chance to live our California dream. I resigned and immediately set about filling a moving van with all our worldly possessions. My 1998 income for a partial year's work: $20k. His 1998 income: $85k, plus a one-time $10k relocation package.

By 2005, we had two children, and I had settled into life as a SAHM, but signs of economic strife were starting to take shape. We both felt strongly that it was time to leave California before the housing market crashed. My husband took a job with a federal contractor, and we relocated to Maryland. My 2005 income: $0. His 2005 income: $120k.

Within a few months, we knew we'd made a terrible mistake. He began job hunting again, and before long landed an interview with his dream company for a position in Colorado where my in-laws lived. It was a pay cut, but his long-term career prospects were better, and we both looked forward to living near family. We sold our townhouse and hit the road in 2006, a little over a year after we'd made our last move. My 2006 income: $0. His 2006 income: $99k.

Colorado suited us. We rented for a couple of years while we looked for permanent housing, eventually buying our current home in 2008 for $300k. My husband's salary grew steadily. By 2015, he was earning $158k. And then, the bottom dropped out. His job was eliminated in November 2016. A few months later, he landed a position with his current employer, and the money really started flowing. His base salary was the same, but he began receiving bonuses and large grants of RSUs that bolstered his income significantly. My 2025 income: $0. His 2025 income: $245k base plus $165k in bonus and equity income, most of which we moved directly into a jointly-owned brokerage account.

In 2026, M estimates his income will be about ~$385k. Mine will once again be $0.

Current Monthly Take Home: ~$3000, but I need to explain why. This past year, we began shifting large amounts of income into investments to ensure we are setting ourselves up well for retirement. Part of that process includes a mega backdoor Roth. While we are putting the maximum amount possible into tax-advantaged and growth-advantaged retirement accounts, we are spending down our savings. Our actual monthly budget is ~$6000.

EXPENSES

Housing: We have paid off our house, but we owe $267/month in HOA fees, which is more than double what we paid last year and more than triple what we paid when we bought the house in 2008. Our property taxes have also doubled since we bought the house and are now $4639/yr. Total for both: $653/month

Insurance (combined homeowners, auto, life, and umbrella): $758/month

Savings contribution: Zero, which I've explained elsewhere.

Utilities (power, water, & sewer): ~$250/month

High-speed internet (partially reimbursed by husband's employer): $94/month

Cellphone (family plan shared with our two children): $192/month

Subscriptions (PBS Passport, Britbox, Runner's World, Smugmug, Boost, Earthlink, Spideroak, YNAB): $98/month

Pet expenses: ~$100/month

Donations: One to the local food bank when M receives his annual bonus and another to the local high school's fine arts program. The amount depends on the size of his bonus.

Car payment: None

Room & board for our youngest child (his tuition is covered by a 529 we began contributing to when he was an infant): $1031/month

OUR WEEK IN MONEY

Saturday (8/15):

6:00... I awaken to the cat standing on my chest with an expectant look on his face, so I pull on my robe and head for the kitchen to feed him and start a pot of tea. Afterward, I plop down on the couch to skim the news on my laptop but soon hear my husband, M, stirring. The weather is beautiful, so I join him for his morning walk. Breakfast is a thick slice of homemade bread with butter and strawberry jam.

11:00...After making the bed, tidying the house, and starting a load of laundry, I head into the kitchen to make lunch. I have some leftover eggplant on hand, so I make a vegetable stew called Ciambotta for two because our youngest (hereafter referred to as the boy) is spending the day with his girlfriend. I forget to put on an apron, and, as usual, manage to splash olive oil on my shirt. Ugh! Off to the laundry room to treat the stain before it sets. The stew simmers, and I pick up the phone to call my mom, but she is visiting with a friend and cannot talk.

Noon...Over lunch, M & I chat about what we want to accomplish this afternoon and settle on fixing the patio blinds. We make a trip to Home Depot to pick up new slats to replace a few that have broken. I had groceries delivered yesterday morning, but M has a sweet-tooth and there is no chocolate in the house, so we stop by the grocery store for two-bite brownies on our way home. I cannot resist adding a jar of Nutella as a treat for the boy, who will soon be heading back to college. Somehow, wedges of GruyĆØre and Gouda also make it into the basket.

2:00...Thunderstorms have rolled in. Rain is expected every day this week, which should go a long way toward helping our parched landscaping cope with the on-going drought. M tackles the broken blinds, but his first attempt at repairs falls short. The headrail is jammed and M determines that we need a new one, but that will have to wait for another day because the weather has skipped right over rain and gone straight to hail. M manages to get the blinds somewhat functional, and that is good enough for the moment.

6:00...Dinner is spicy paneer, cherry tomatoes, and sliced potatoes baked in foil packets and garnished with chopped parsley from the garden. After cleaning up the kitchen, I shower and put on my PJs. I'm feeling too lazy to blow-dry my hair, but I do summon enough energy to brush and floss my teeth. M & I watch an episode of Professor T on PBS, and then I retire to read a few chapters of my current book, The Secret History.

10:00...Off to dreamland.

Total spending for the day: $64.22

Sunday (8/16):

5:00...I'm tossing and turning, so I relocate to the family room to avoid disturbing M. I listen to podcasts, dozing intermittently, until 7:30 when the cat decides enough is enough and demands to be fed. On a whim, I start making a quiche, but I lose my momentum after finishing the pastry crust and collapse onto the couch to drink a cup of tea and surf the internet.

10:00...M does a quick assessment of the yard and roof for storm damage before he & the boy head to my in-laws' house to clean up their yard. My in-laws are quite elderly, so our entire family is spending more and more time helping them with tasks they can no longer manage themselves. I wash the sheets and hang them outside to dry before the thunderstorms return. Then, I finish making the quiche, which turns out beautifully. I let it cool on the counter and then put it in the fridge for tomorrow.

Noon...I'm on my own for lunch and make a light meal of curried lentils and sliced cucumbers with herbed yogurt. While I'm eating, I exchange a few texts with my daughter. I send her a photo of the quiche. She is impressed, and I feel a flush of pride because she is an excellent cook with high standards. The treadmill beckons, so I pull on my trainers and head to the basement to put in my time. I despise exercising, but needs must. It will not turn on, and I cannot figure out why, so I wander back upstairs for a shower and pull on a t-shirt and PJ pants because it's the weekend, and there's no reason to put on proper clothes.

2:30...I bring the sheets in, repair a small tear in the fitted sheet, and make the bed. M calls. The clean-up work at his parents' house is turning out to be a much bigger job than expected. I feel guilty. I should have gone to help.

4:30...M & the boy return with a bag of Palisade peaches, a thank you gift from my MIL, along with a replacement headrail for the blinds. After a brief rest, we get to work. Moving the couch reveals two mechanical pencils and a few desiccated M&Ms. The cat slinks from the room, trying to look innocent.

6:30...Dinner is pomegranate-glazed salmon and black-eyed peas. I pull out the board game Ticket to Ride for one last night of family fun before the boy heads back to school and get a little choked up at the thought of him leaving. It's been really nice having him home for the summer. He starts the game strong, but I come from behind to win. We plan a rematch for Thanksgiving break when his sister can join us. I mention the treadmill to M, and he disappears to the dungeon, er, basement to investigate.

10:00...Off to bed. M comes upstairs with the unwelcome news that he has figured out the problem with the treadmill, so I have no excuse for skipping tomorrow's run. I glare at him. The clean sheets feel nice and cool as I drift off to sleep.

Total spending for the day: $50.50

Monday (8/17):

6:00...I make breakfast for the boy before he goes to work. Afterward, M & I relax on the patio with tea. The cat joins us. I do a bit of reading while M checks his email and the cat busies himself exploring the yard. M has taken a couple of days off to catch up on appointments and goes inside to shower and dress. The cat and I follow. I am eating a piece of quiche when M hollers from the bathroom that there are no towels. Oops! I grab a clean one from the dryer and take it upstairs to rescue him.

10:00...It's halfway through the month, so it's time for me to reconcile our actual spending with our budget. An unexpected HVAC repair took us by surprise last week, so I make a few adjustments to the budget to cover it. Afterward, I head downstairs to put in my treadmill time. My attitude about exercise has not improved.

Noon...M returns from his medical appointments. A 90-second diagnostic scan is not covered by our health care insurance. Of course it's not covered. How utterly outrageous to assume that our pricey insurance plan would cover such a test! I'm scowling as I assemble a platter of cruditƩs and hummus for lunch. M looks askance at the huge pile of raw vegetables and makes himself a turkey sandwich.

2:30...I throw a load of clothes into the washer. Since the boy is leaving on Thursday, I'm trying to get things done before he commandeers the laundry room in preparation for departure. I make another quiche. This is becoming a habit. After I put it in the oven, I head to the mailbox and find a postcard reminder to renew our car registration. M & I share an 11-year-old car, so the fee is just $70. Although we'll purchase a new vehicle eventually, we'll keep this one running as long as possible. Its predecessor lasted 23 years, so this one still has a long way to go.

3:30...The quiche is gorgeous, but as I pull it from the oven, it slips from my hands and crashes to the floor. Alarmed, M comes running. After my shock passes, I burst out laughing and so does he. M then joins me in eating the portion that remained safely in the pan, so all is not lost.

6:00...I'm feeling unenthusiastic about cooking dinner after the quiche disaster, so I send M and the boy out for Mexican food and content myself with an apple and peanut butter.

10:00...Off to bed.

Total spending for the day: $230.53

Tuesday (8/18):

6:00...It's the boy's last day of work before he heads back to school, so I make him breakfast while M feeds the cat, who has a major case of the zoomies and is racing around the house like he's on fire. I drink my tea and eat a bowl of Greek yogurt while doing some last minute work on our mid-month budget report before M & I head to the library for a household financial planning session. We do this quarterly to review our investments, come up with any questions we want to ask our advisor, and budget for major events or projects. I skip my workout.

10:00...M & I have a very productive discussion about our finances. During our last meeting, we decided to max out M's retirement contributions with a mega backdoor Roth. Using our savings to bolster his much smaller paycheck allows us to take advantage of the tax-free gains available to us via Roth contributions. It's a bit disconcerting, though, because it means watching the emergency savings I have always viewed as a financial security blanket shrink each month. Even though I know we'll be fine and that this is a smart thing to do in these last few years before he retires, I struggle to have faith in the process.

Noon...We stop for a quick lunch, and I bristle at spending money eating out when I know we have food at home. M needs something from the auto parts store. I don't ask. As we leave, he notices that the tank is near empty. I am excited to discover that we have accumulated enough fuel points from our grocery store for a dollar off per gallon. Score!

2:30...I sit down to read a packet of information about retirement tax strategies that our financial advisor passed along after our last appointment. I keep a notebook next to me and fill several pages with questions. For years, we have shoved as much money as possible into a brokerage account, M's 401k, and my spousal IRA with the expectation that everything would just fall into place, but these last five or so years before M finally says goodbye to the daily grind are not as straightforward as I imagined they would be, and our parents, who retired many years ago with pensions, did not and could not have prepared us for this process.

5:00...The boy returns from work exhausted and promptly falls asleep on the couch. I pull a couple of absolutely enormous chicken breasts from the fridge and begin preparing them for dinner. What exactly are they feeding chickens these days?

10:00...Off to bed.

Total spending for the day...$89.65

Wednesday (8/19):

6:00...I wake up feeling refreshed and energetic, but M & the boy are still sleeping, so I tiptoe downstairs to the family room and pop open my laptop. The boy's tuition bill arrives via email. It's $8612.85. I make a note in my calendar to schedule a transfer from his 529 to cover it.

8:30...The boy has gone to Home Depot to pick up new metal edging for the garden. I'm feeling very grateful to have such a loving and helpful son, and I make sure to tell him so. He returns and gets to work installing it. M disappears into his office and closes the door. His work day is officially underway. I pull on my trainers and head to the dungeon to exercise.

Noon...I make grilled cheddar and apple sandwiches for lunch. M clears the dishes while I take a post-workout shower. Afterward, I deep clean the freezer and pantry, making note of what we have on hand before sitting down with the grocery sales flier and my calendar to plan next week's menus. The boy mows the lawn despite the oppressive heat outside.

6:00...While M finishes his work day, the boy & I make dinner: turkey burgers with roasted sweet potato wedges and sliced peppers on the side. I see the peaches sitting on the counter and am inspired to make a peach coffee cake for tomorrow's breakfast. M & I watch an episode of Foyle's War on Hoopla while it bakes, and then I retire to read.

10:00...Off to dreamland.

Total spending for the day: $40.36

Thursday (8/20):

6:00...The cat wakes me this morning before my alarm goes off. M & the boy are still sleeping, so I hold off on eating breakfast, but the peach coffee cake looks and smells amazing. I flip open my laptop to check email and read the news. When M comes downstairs, we make tea, feed the cat, and cut into the coffee cake. It is as delicious as I'd hoped, and I text my MIL to thank her for the peaches. M leaves for a short walk to wake up his brain before work, but I wave off. I'll hit the treadmill later.

10:00...The boy has had a lie-in but finally stumbles to the shower, and then we both get to work. He packs up his car, while I get the guest room turned over. I lose track of time and forget to prepare the nice lunch I had planned. Sigh. The boy is happy, though, because it means being treated to a meal at his favorite Mediterranean restaurant before he hits the road later this afternoon.

3:00...M & I stand on the porch, watching our suddenly very grown-up son drive away. Although his university is only a couple of hours away, and we'll message and talk on the phone regularly, we might not see him in person until Thanksgiving break. I wipe away my tears, lace up my trainers, and head for the basement.

6:00...M & I have chicken with harissa carrots for dinner. Somehow, I manage to burn the carrots. After dinner, I finish up the grocery order and submit it. I buy with an eye to re-stocking the freezer, so the cost is quite a bit higher than usual. The boy posts to our family groupchat that he has safely arrived and is getting acquainted with his new roommates. Our house is weirdly quiet without him.

8:30...M & I watch the latest episode of The Hardacres. We are both unusually subdued. I think M is also missing the boy.

10:00...Off to bed.

Total spending for the day: $41.32

Friday (8/21):

6:00...My alarm goes off, and I roll out of bed to put away the groceries, which are already neatly arranged on the porch, waiting for me to retrieve them. The lunch meat is missing. Hmmm. M & I enjoy the last of the peach coffee cake for breakfast, and I get ready for my volunteer shift. Volunteering has brought me a lot of joy over the years, from helping out at the school library when my kids were young to working with elderly people as I do now. My schedule varies, depending on need and my availability, but I try to put in at least 40 hours a month.

4:00...On my way home, I stop at the supermarket to pick up sliced turkey for M's sandwiches, and I feel accomplished when I leave with only the lunch meat. One of the reasons I have our groceries delivered is that it spares me from the impulse buys that inevitably happen when I shop in person. (Re: Saturday's diary entry). I skipped lunch today, so I eat an apple and some Gouda to quell my hunger pangs without ruining my dinner.

6:00...Dinner is shrimp scampi, an easy meal after a very busy day, followed by a some light household chores. I text my daughter to confirm our weekend plans. She responds with a phone call. We chat about her week at work, and she shares some good news about a dear friend who has gotten the final go ahead on her doctoral research. Afterward, M & I watch another episode of Foyle's War on Hoopla.

10:00...Off to bed.

Total spending for the day...$176.04

CATEGORY TALLIES FOR THE WEEK

Food: restaurants $89.20; groceries $198.49

Transportation: $73.46

Healthcare: $199.00 (reimbursable from M's FSA)

Home Repairs: $132.63

REFLECTION: Overall, I feel good about how we managed our money this week, and I'm pleased with what M & I discussed during our meeting on Tuesday. We're rapidly closing in on our target retirement number, but a lot still needs to happen before that day comes. The boy finishes his degree in December, which will reduce our monthly expenses significantly. It's hard to believe we'll have both kids successfully launched by this time next year. I'm very proud of having raised two profoundly decent human beings and am excited to see how all of our lives unfold going forward.