30 Quotes About Being In Your Thirties – the Coloring Book!

When we first started this blog, I was trying to find awesome, inspiring quotes about being in your thirties, but most of the quotes that I found were negative or ended up making fun of being in your thirties.  There are enough of those, so I pored through all the quotes I found and picked out only the best, most motivational, and most interesting.

I put my favorite 30s quotes together in one of our first blog posts titled: 30 Quotes About the Thirties. It’s one of our most popular posts.

Lately, I’ve gotten into the process of making coloring books. So I’m very excited to announce that we made a coloring book with all of the 30 quotes from the blog post! I enjoy these quotes a lot (I hand picked them so I’m biased though) and find coloring to be relaxing and stress-reducing- so I especially enjoy coloring these quotes.

If you like coloring, and/or are trying to find a great birthday present for a friend or family member turning thirty-something, we hope you enjoy these thirties-themed coloring books! We’re excited to have made them for you!

Please share the thirties love and enjoy!

Here’s a link to the 30 Motivational Quotes About Being in Your Thirties Coloring Book on Amazon!

And here’s the Amazon link to the same 30 Motivational Quotes About Being in Your Thirties coloring book with a black background, if you’re into a more mysterious look.

 

Here are a few pages of 30s quotes images from the books. Enjoy!

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Are You One of the 9 to 11% of Americans Who…?

…would report feeling “daily worry and stress without a lot of happiness and enjoyment” in your life? Because according to the long-standing Gallup “U.S. Mood” Poll, 9 to 11 percent of Americans feel that way. Apparently and not surprisingly, the numbers were even higher immediately following the 2016 election, reaching a four-year high of 13.1%.

Personally, I fall into that depressing bucket now. But I’m also dealing with a lot of stress – fights with my boyfriend, anxiety about my career not moving forward fast enough (I’m 35), drinking too much to deal with the stress of uncertainty, and the general fear of Trump and losing access to Obamacare.

I used to be a lot more excited about life and my career in my twenties. The upside of the fact that I’m less happy now is that the happiness in my twenties made me somewhat dreamy and complacent, and so I wasn’t working as hard as I should have at my writing. Now, the fire is lit under my a** and I have been writing a ton more to deal with the anger at myself for not being further ahead.

While I don’t always experience daily stress and worries, because I do have amazing days where I feel recharged and refreshed, I do think I’d put myself in the 9 – 11% bucket of Americans who are struggling to find fulfillment.

So, what do you do if, like me, you realize that you would put yourself in that bucket?

Well, for me it’s all about testing variables to improve. Experimenting with your life. Making small changes and tweaks to see if you feel happier or more fulfilled from them.

Here are some things I’ve done and/or plan to do in the future:

  • Really analyzing my interactions with people to see if they uplift me
  • Trying natural anxiety relief supplements, like Omega 3 pills (heavy on the EPA and less on DHA)
  • Spending less time staring at my phone in public places
  • Writing EVERY DAY to push my career forward
  • Exercising at least once a week (wasn’t doing that before, d’oh!)

Would you put yourself in the 9-11% bucket, and if so, how do you plan to change it?

What the Heck are Fixed Index Annuities? (And are they a good idea for retirement?)

One of the ways I fall asleep at night is by reading nonfiction books. I like these books, don’t get me wrong, but they still don’t totally suck me in and keep me awake like fiction books sometimes do. Usually, as I’m in bed reading my nonfiction book of choice for a few minutes, my eyelids get heavy and I drift off. It’s a very effective, as well as instructive, bedtime routine.

For quite awhile, my nightly book of choice has been Tony Robbins’ Money, Master the Game. I’m a big Tony Robbins fan, as I enjoy his motivational talks and writings, and was extremely excited to see that he’d written a book on finance- one of my favorite topics.

I devoured a lot of the beginning of the book (which got me through quite a lot of bedtimes as the book is 638 pages long). I really enjoyed most of the way Tony Robbins was trying to make finance information accessible to everyone, and he even included interviews with finance experts I loved such as Jack Bogle from Vanguard. A bulk section of the book was concerned with savings accounts and starting a retirement account, as well as the magic of compound interest- I love these subjects. These are some basic money topics to me, but I enjoy being reminded, and many people don’t understand concepts such as compound interest, which Robbins makes easy.

However, somewhere in the last third of the book, I got lost. The subject of Fixed Index Annuities came up and stayed prominent for many, many pages. Robbins was touting how great annuities are, and how the right annuity would bring you retirement income for life. I was extremely confused and started thinking “how have I not heard anything about any kind of annuity from any finance blogger or writer or podcaster ever before?” I was baffled. For years, I’ve listened to the podcasts and read a few of the blogs and books of some quite entertaining and well-known finance professionals including Suze Orman, Dave Ramsey, Farnoosh Tohlrabi, J. Money, Shannon McLay, Ramit Sethi, Paula Pant, J.D Roth, and more. I couldn’t remember any of them ever suggesting, or even bringing up, annuities.

I actually reread the entire 638 page book (it’s a break from my other favorite bedtime book, The Elegant Universe), and once again attempted to understand Robbins’ take on fixed annuities, but to no avail.

In the back of my mind, I associate annuities with scams. But Tony Robbins was so convincing in his book, even talking about how variable annuities are the actual scams, and fixed annuities are the good ones. So I thought maybe I had missed something. And, in the interest of this blog, and for my own personal pleasure (I have some weird pleasures), I looked everything up, paying special attention to my favorite finance experts and finance news sites, including Forbes and Suze Orman, to see what they had to say.

Basically, without going into the extremely complex and intense detail, my hunch was right. Unbiased (i.e non-commission-based) finance professionals almost never recommend annuities- unless they’re still somehow trying to sell you something…like an annuity. There are very rare circumstances in which SOME annuities would kind of make sense, but those circumstances generally affect people in one of two categories:

  1. If you have an extremely high income and have maxed out both your 401k and IRA and want to try putting tax deferred money elsewhere.
  2. If you are extremely, incredibly risk averse and would rather have complete peace of mind that you will have some money while alive than a good rate of return. Because the odds are against you that you’ll have more money for yourself and for your beneficiaries (spouse, kids, etc) with an annuity than with any other retirement strategies (401ks, IRAs, Roth IRAs, etc).

Otherwise, low cost index funds in IRAs, Roth IRAs, and 401ks are significantly better retirement options, with much better rates of return and way lower fees.

Again, without going into numbingly complex details, the issues with most annuities include:

  • Most people selling them stand to make a major profit off of you, and may not inform you of the other retirement options you have. So there can be quite a bit of shadiness in the annuities business because of the high commissions paid out.
  • Your money is tied up for a very long time, and you will pay major fees if you try to take it out early! These fees can range from 10% up to 20%! So even if you purchase an annuity for $50,000 and in a month you change your mind, you can’t get that money back without getting hit with a ridiculous fee. About $5000 (10%) will already have been removed from your 50k as a commission fee to whoever sold you the annuity! Plus you’ll get hit with that major fee for early withdrawal, so your $50,000 can possibly become only $38,000 in the span of only one month!
  • If you die early, your beneficiaries can get absolutely nothing! The one major benefit of most annuities is a guaranteed monthly income for life, until you die. So if you live a VERY long time, you may somewhat benefit from an annuity. But an annuity is actually a life insurance product, and the companies are banking on you dying earlier rather than later- because if you die early, in most situations, the rest of your payout is their’s to keep! And even if you find an annuity that leaves your money to your beneficiaries (which will of course be pricier to begin with), the beneficiaries will have to pay taxes on all of the interest your money made! So if your original 50K grew to 150K, your beneficiaries will have to pay taxes on the difference- that means paying taxes on the 100K difference!! That’s a huge tax bill!

So, I’m sticking with my classic retirement strategy- the Roth IRA, filled with low cost index funds from Vanguard. I write about Roth IRAs and how to set one up here.  And although I enjoy Tony Robbins’ advice and greatly respect him, I’m not planning on taking any of his advice on annuities.

If you want more information on annuities, here are some of my sources for this article:

The Motley Fool annuity advice

Suze Orman explains annuities

Time Magazine’s advice about annuities

Forbes talks in detail about annuities

Get Rich Slowly shares annuity knowledge

As always, feel free to ask me any questions. I’m just learning about this topic myself, so I’d love to hear your thoughts! Thanks!

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Women In Their 30s Now Having More Babies Than Women in Their 20s

For the first time in over three decades in the US, women in their 30s are having more babies than women in their 20s.

The Center for Disease Control and Prevention released data last Wednesday that the birth rate among women aged 30 to 34 last year was slightly higher than that of women aged 25 to 29. Also according to the data, women are having their first child at age 28 on average. Consider that in 2014, the average age for women having their first child was 26.3 according to the CDC. That seems like a pretty high jump in age to me, considering it’s been only 3 years since 2014!

Experts say that the change is partially due to a reduction in teen pregnancy rates. But that’s only part of the story. A lot of women, including myself, feel it’s okay to have children later. I’m 35, and I want children and haven’t had them yet. I don’t feel societal pressure to have children, only biological. And even that biological pressure is somewhat tempered by knowing many women who have had babies over 40, and the fertility options that new technology brings. I’ve definitely calmed down a bit more in the past year or so, because I know I’m just not ready yet and that it’s better to feel that I have the right partner and financial situation to raise a child than to ‘just do it.’

But, for my own peace of mind, I’ll be making an appointment for fertility diagnostic testing at USC.

You Can’t Take Your Cues From Others (or Some People Have the Grumpy Eyes..)

As I was working at a convention the other day, a doctor who was standing in my display started smiling strangely at me. I was talking to him about a product, and then simultaneously wondering if I had lipstick on my nose.

No matter how confidently and seriously I described the products he wanted to know about (and I’m quite the expert on bizarre, arcane topics I never thought I’d know about, such as medical self-assessment credits (this comes from working a colorful variety of tradeshows for over 10 years)), he continued his series of bizarre facial expressions. I was able to mostly ignore this, and after he left I immediately grabbed my phone and went into selfie mode, checking my face for stray chocolate. But there were no blemishes to be found.

And this has happened to me with other customers and other attendees at other shows. This has happened to me with multiple people, when strange smiles come up for no reason, or people look annoyed or unpleasant out of nowhere. But many times, the mystery remains unsolved- my customer buys the product I’m selling or continues to listen to my presentation or gives me the information I need from them. I continue with my day,  baffled by certain expressions not matching what a person is actually feeling. I remain unsettled and uncertain for quite awhile.

I’m a big face reader and feeling reader, and I’ve recently realized that my feelings are often based on how people around me are acting. If I feel like people are upset, I can get upset. If I feel like people are laughing at me, I get worried. If I feel like people aren’t understanding what I’m saying because they don’t respond affirmatively with ‘uh-huhs’ and head nods, I get a sinking feeling in the pit of my stomach.

And because I’m such a good face and feeling reader most of the time, I get thrown by people who are bad socializers, and affirmators- who don’t act the way they feel, or who look upset even when all is well. Or people who don’t affirm to me that things are okay. In other words..umm, I’m sorta sensitive…

But is it really worth getting thrown off by these people who make me feel anxious? They likely don’t feel how I think they feel, and if they do, who the hell cares? It’s not helpful to get stressed about it. I mean, so what if I have a spaghetti noodle on my face while talking to someone? I mean, that sucks, and it probably wouldn’t be the best thing for my professional career, but it won’t help to freak out inside. Maybe I’m the one judging myself in the harshest way.

So perhaps the major life lesson I take from this is to take my cues from myself and not from others. It’s hard to keep my happiness levels steady if the bizarre expressions and possible bad moods of everyone around me bring me down. Maybe I need to be the one to bring people up! Even if they’re secretly laughing at me- screw ’em! Let them laugh- maybe I’m simply funny!

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Occasionally freaking out inside at work… especially when people give me the grumpy eyes…

 

Don’t Just Do Something- Stand There

The other day I was reading an article titled “To Stay Married, Embrace Change.” Here’s the sum up: “I’ve had at least three marriages. They’ve just all been with the same person.”

How much change will happen in a marriage? From what I’ve read in this article -and many others- marriages swing frequently through a jungle gym of personality shifting, with both people completely overhauling basic facets of who they are multiple times over the course of 20 or 30 or 40+ years.

I think about who I was at 22 and I guess I do feel quite differently now than back then. I travel a lot more and worry less. I meditate almost daily and work on way less theater. I have more boundaries at the same time as I’ve loosened up.  I’m less likely to put up with people walking on me. I’m a bit more myself and try less to act like someone I’m not. But a lot of my personality remains the same. Do you feel differently than how you felt 10 years ago? Now imagine how you’ll feel 20 years from now. It’s very hard to completely predict.

Marriage adds an extra layer of complexity because both people continue to change- but not necessarily at the same time. Careers change, friends shift, moves happen, babies are born or not born, deaths may occur, there are true times of sickness and health, money situations evolve… so many variables.

The question this brings up in my mind is: how do you know if you can or should stick with your spouse/significant other through personality changes that you really don’t like? Do you not love them anymore or do you not love the change itself? What types of changes are unacceptable? These are semi-rhetorical questions, although I did once have an ex go through a major personality change which ultimately broke us up. But- I want to protest- the change was him becoming emotionally abusive/never around and was extremely detrimental to my well being. The change wasn’t something simple like him becoming really messy.

Which changes are too much to handle?

“He’s not the person I married.”

“We grew apart.”

“She didn’t change. I did.”

These are such common phrases- but how should we handle the feelings they bring up?

Why haven’t we been made aware early in life that personality evolution on both sides of a marriage is an absolute definite? Why isn’t it common knowledge that these changes will scare us and possibly lead us to contemplate divorce? Armed with preparation, we might be able to navigate these relationship changes and not get blindsided by them.  Change scares us, but with marriage, can it sometimes be better to ride the current, knowing that waves and storms are par for the course?

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Skin Discoloration In Your 30s

Have you noticed any skin discolorations since reaching your 30s? I have, namely brown spots and patches on my face (maybe only noticeable to me at the moment). I’ve started my own personal investigation into what’s going on (by that I mean obsessive Googling!).

Strangely, the first time I noticed it wasn’t while looking in a mirror. It was while doing FaceTime on my Mac. There was a little brown patch above my lip. When I looked in the mirror, I could barely make out this brown-ish area. I guess it was something with the light on the Mac.

Soon after noticing that first discoloration above my lips, I spotted a small brown spot on my cheek, and then…oh wow…what’s that? Small brown dots on my nose. Oy.

It kind looks something like these images below:

Looking at this spots jogged something in my memory – namely, a conversation I had with a friend a few months ago. She told me she has some discoloration on her skin, and said it was melasma. I figured that perhaps that could be what I had too. So I dived into some internet research, and sure enough (according to my own self-diagnosis, thanks Dr. Jane!), it seems like melasma to me.

What’s melasma, you ask? Well, according to medicinenet.com, melasma is:

A very common patchy brown, tan, or blue-gray facial skin discoloration, usually seen in women in the reproductive years. It typically appears on the upper cheeks, upper lip, forehead, and chin of women 20-50 years of age

And what’s it caused by? Many times it’s hormones. This is why pregnant women and those women on HRT (hormone replacement therapy) have melasma. It can also be caused by sun exposure. Personally, I only started to notice these spots in the past two years, and since I moved from NYC to LA about three and a half years ago, maybe that’s been the cause of my own discoloration.

So what can you do about it? Well, you can get a prescription for hydroquinone cream or lotion – which works by blocking the natural chemical process in your skin responsible for creating melanin, which produces dark skin pigmentation. You can also get a chemical peel or microdermabrasion.

And of course, wearing sunscreen will definitely help delay melasma outbreaks. Holistic healers also say that trying meditation and yoga can be helpful, as they can help re-balance your hormones.

I’ve yet to try any of these remedies myself, but I’m planning on making a dermatologist appointment soon.

Breathing in the Present Moment in Your Thirties

Whenever anyone talks about being centered and in the present moment, they talk about noticing your breath. I find this disconcerting sometimes, and I recently realized that my inner 12 year old is sabotaging my efforts.

I was around 12 when my family and I were on a trip to Hershey, Pennsylvania. Now, Hershey isn’t super far from New York City, but a lot of Pennsylvania is the opposite of NYC, filled with farmland and fields. While driving to Hershey, I remember noticing how spaced out the houses were from one another and how many cornfields there were instead of houses. So. Much. Nature.

When we arrived, I remember how the air quality was different than in New York City- how it was cleaner, something we city dwellers aren’t used to. We all remarked on this “different air.” All of a sudden, after mulling this air quality thought over for a few minutes, I found it hard to breathe. When I focused on my breath, my awareness shifted to the laboriousness of breathing in and out. “It’s so much harder to breathe when you think about it than when you don’t,” I pondered. I secretly worried I was going to have an asthma attack (I don’t have asthma), or a heart attack (hopefully clean air wouldn’t give me a heart attack.) I didn’t know what to do.

Now, if you know me, you may know that I’m extremely sensitive to talk about medical conditions. I could never be a healthcare professional because hearing about what ails people makes me ill. It kind of sounds funny, but I wish I was joking. Nausea races through my body and the potential of fainting is near when I’m told about the details of someone’s insulin pump or what’s really happening when bruising starts. Conversations about surgeries or bones peeking through skin from open wounds will hasten the likelihood of me sinking into unconsciousness.

So I guess it’s no surprise that thoughts about not being able to breathe correctly, even at 12, sent panic attacks (not real ones, thankfully) through my mind and lack of breath filled up my senses.

I ended up calming myself down by shifting my thoughts AWAY from my breath. I made a conscious effort from then on to NOT to think about breathing. So when I trace back a strange dislike of concentrating on my breath, I come back to very early moments.

Luckily, consciously thinking about my breath no longer makes me feel ill or panicky. I’m just aware of how strange and new it is to WANT to concentrate on breathing. I’m able to be aware of my breath now, with my blockage from childhood fading away every day, because I’m aware that this was a choice I made once that doesn’t work for me now.

Imagine how many strange dislikes we have now that come from very early choices. Question where your ideas and preferences come from. Some choices may have been important at the time, but do they actually serve you anymore? Or do they hold you back?

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Inbox Zero: Life Goal or Time Waster?

I’m subscribed to a lot of newsletters. I really don’t read blogs unless they go to my main inbox, and I really like to read other blogs, so every single day my inbox overflows. And then sometimes bloggers link to other bloggers they like, and I subscribe to those blogs too, so the mail pile continues expanding exponentially.

Yesterday I decided enough was enough. I began going through my inbox, archiving and deleting. I thought I could simply check ‘Get to Inbox Zero’ off my to do list, but I remembered why I had allowed the ol’ mailbox to get as unwieldy as it has- I know it takes a longgggg time to clear the mail out. Yesterday, I worked on the task for an embarrassing number of hours, and got down to a little over 600 emails from over 2000. But I still have a ways to go. And the emails that are left to sort are the longest and best.

Part of my issue is that the sheer length of some of the blog posts/newsletters takes up the bulk of my sorting time. I’m never just sorting- I’m reading.

As I read, I believe it will be even nicer to reach the ultimate goal of Inbox Zero. Hooray! But as my mailbox begins to fill up again, I wonder: Is this a worthy goal? Or an Absolute Complete Waste of My Time? Maybe my time would be better spent eliminating subscriptions from my inbox- but that might be even harder to do. Or maybe I just need to delete the old stuff without even reading it and start anew. Or maybe I should just ignore it all entirely and let it build to epic proportions.

Often times I’m working a medical convention and notice a doctor’s inbox has somewhere along the lines of 10,000-40,000 unread emails inside of it. At first I’m shocked and judgemental- I can’t believe the doctor has allowed this to happen. But then I think, well, perhaps these doctors actually have better things to do than sort through their emails. Like, I don’t know, save lives and stuff. Hmmm…

What are your opinions on getting to and staying at the fabled Inbox Zero?

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Fear of Loss in Relationships

When it comes to sustaining peaceful romantic relationships, I’m not the best. I try really hard, but I have bad anxiety, and that makes me fear the worst. My brain can get caught in a negative thought loop pretty quickly — “Will this last?” “Does he love me enough?” “What if he learns more about me and doesn’t want to be with me anymore?” Or worst, I place too much emphasis on the micro-moments of the relationship (like, what does it mean that he normally texts me around this time, but today he didn’t?) that I forget about to be present.  GAH! It’s enough to drive anyone insane.

So, basically, I’m terrified of losing, to the point where I may self-sabotage myself to subconsciously have the relationship end. Stupid, right?

I’m not sure how to get rid of this nagging feeling, other than the normal things, like going to therapy and obsessively googling self-help websites for fixes. I’ve read a lot of Buddhist teachings about how you need to recognize that you can’t be attached to anything forever. And by truly accepting that, you won’t suffer. But still, it’s hard to not feel deep attachment to someone you love.

I just know that I can’t act from that place of fear – from the fear of the relationship ending at any point. I have to remind myself that acting out of fear is destined to cause problems in any relationship I may have, because I’m not present.

One mind trick that helps me when I’m feeling anxious about my relationship is to think about the absolute worst case scenario. And when I think about how it’s not life or death, I know I will be okay.

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Can the 5 Love Languages Help Me Live Happily Ever After In My Thirties?

Have you heard of the 5 love languages? If not, you might be wondering why you’re having trouble connecting to certain people. Dr Gary Chapman, author of the book The 5 Love Languages: The Secret to Love That Laststalks about 5 languages that people ‘speak’ when it comes to feeling loved and expressing love.

These languages are:

  1. Words of affirmation
  2. Quality time
  3. Gifts
  4. Acts of service
  5. Physical touch

Dr Chapman, a marriage counselor for over 30 years, says that the love language that you speak to experience love is usually the same language you speak to offer love. So if your love language is ‘acts of service,’ you might feel especially loved when your partner does the dishes for you when you’re tired or when he or she cooks you dinner. And since your love language is ‘acts of service’ you might express love to your partner by driving him to work in the morning, or helping her carry some heavy boxes, or fixing his phone.

But issues can arise if and when your partner doesn’t speak the same language as you. So if your language is acts of service, like above, and you’re showing your partner how much you love him or her by doing tasks like the ones above, your partner might not feel the love if his or her love language is ‘words of affirmation.’ A partner whose love language is words of affirmation would want to hear you say nice things out of the blue- such as ‘I love you’ – and would want you to tell him or her all the happy things you’re feeling regarding the relationship.

This is where wires can cross and you or your partner can start to feel unsatisfied. If you feel love physically, obviously sex is important, but so are other acts of touch like hand holding and hugging. But again, if you’re with someone who feels love through quality time spent together, they might spend time with you and concentrate on you, but not give you massages or put their arms around you or kiss you enough for you to feel loved.

And quality time is an interesting one, because Dr Chapman differentiates between time spent together and QUALITY time spent together. Someone whose love language is ‘quality time’ likely saddens if their partner is constantly looking at a cellphone during times together, or isn’t making eye contact or actively listening during a conversation.

I definitely feel that love languages are real, but that there are love language combos, and that most people have more than one love language, though one might be stronger than the others. Here’s a test to take to find out what your love language is: http://www.5lovelanguages.com/profile/

My main love language according to my results is ‘quality time,’ followed closely by ‘words of affirmation’ and ‘physical touch.’ I was surprised that Words of Affirmation or Touch weren’t the highest ranking ones, but I think all three are up there. The love languages don’t have all the answers to relationship communication issues, but there’s definitely some wisdom here.

What’s your love language? Do you agree with the love languages? Do you think the love languages help you with your relationships?

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What Are Some of the Smallest Baby Step Lifestyle Changes You’ve Made in Your Thirties?

It’s amazing how habits take shape and slowly, incrementally change the structure of our lives. I feel like it’s usually not the big, sweeping ‘grand decisions’ made in bold statements that change our lives (ie most New Years Resolutions, most “I’ll never drink again!” statements, most “no more sugar for life” proclamations, etc), but actually the small changes made in private moments and repeated again and again that actually make a major long term impact.

In the past year, I’ve made a few changes- most of them arbitrarily or unpremeditated. But these particular changes have slowly but surely changed my everyday patterns of thinking and feeling. Here’s a list of the ones the made the biggest impact.

1. Deleting the Facebook app from my phone- I did this in a moment of pain and anguish on election night back in November. I mean, you get it. But I never put the app back, and that in turn has me going on Facebook a whole lot less. Which in turn frees up a lot of my time. Which also in turn really tones down a bad habit I have of comparing myself to others. I still go onto Facebook and read stuff and post things, but the amount of time I spend on the site has decreased immeasurably. Results of deleting Facebook app on my phone: I feel happier and have more time. And I still have Facebook so I don’t even feel any weird “I deleted my profile feel sorry for me” stress or Fear Of Missing Out.

2. Starting to make green smoothies full of vegetables – I’ve made green smoothies on and off for a few years now, but it’s only recently that I followed nutritionist Kimberly Snyder’s basic recipe for her diet staple: the Glowing Green Smoothie. This smoothie is made up of all vegetables with the inclusion of an apple, almond milk or water, and some stevia. She includes a bit more fruit but I’d rather eat that fruit separately. This smoothie is the equivalent of having something like three or four salads before lunch, without all that annoying chewing. The ingredients of my smoothie, if you want to try it, are a head of romaine, either a bunch of celery or a large cucumber, a handful or two of spinach leaves, a handful of cilantro, an apple, half a lemon, stevia to taste, ice, and a bunch of almond milk or water. Results: I put a TON of nutrients in my body before I have time to think about anything or eat a bunch of nonsense food. Therefore my mind feels clearer and my body feels happy.

3. Tracking my spending- I wrote about this in the post How Tracking Money is Like Weighing Yourself and then again in The Anti-Budget Budget In Your Thirties. I began using the app Goodbudget to track each and every dollar I’ve spent. I started this back in June, and it was very painful. I didn’t want to track every dollar because I felt like I knew where every dollar went already, and the whole thing felt tedious and filled me with guilt whenever I spent a penny. However, after about a month and a half it all got a lot smoother and easier. I realized exactly where my money was going each month and that small purchases really add up to way more than I thought. I swear I’ve saved a ton of money simply by writing down my expenditures- because I think about where my money’s going every time I spend it. And I feel more accountable for a purchase if I know I have to write it down and it goes into my monthly total.

All of these small activities have added up to big change in my life. Are there any small changes you’d like to start or have recently begun? Don’t worry about those big, scary changes- concentrate on a little tiny change every day, or even every other day. Don’t underestimate what seem like small tweaks- they add up.

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Rebooting Old Friendships

As an only child, I’ve been fascinated by friendship since pre-school, when I had the opportunity to make my very first real friend.  Whose name I don’t remember…oops!

On my birthday two weeks ago, an old college friend who I haven’t spoken to in maybe 5 years reached out to me. There was never a falling-out between us. Rather, she mysteriously disappeared. She stopping returned emails, texts, calls and just vanished. A group of her friends from med school and I tried to figure out what was going on, but we couldn’t track her down. Because we knew she had disappeared on other people at an earlier stage in her life, and that there had been recent drama in her life, we didn’t think she was kidnapped or anything crazy like that. We knew she must have chosen to leave of her own volition. Also, one friend heard from her and passed along the information that she was safe but not looking to be contacted.

Back to my birthday. I got an email from this old friend who disappeared. It was a very simple message – she wished me a happy birthday and apologized for missing so much of my live/events in my life, etc. and asked if I’d be willing to open up a friendship again. She didn’t mention why she disappeared or what happened.

While some people might have been hurt to have been left by a friend, I was excited to hear from her. She was someone who I didn’t depend on completely for emotional support, and I something I loved about her was her independence and free spirited nature. While we never had that much in common, I always enjoyed spending time with her and loved her intellect and passion for life. She inspired me because she gave 100% to everything she did – becoming a neurosurgeon, going to residency, and then deciding to quit it all to write. She’s now got a book published. It’s pretty amazing. She’s already accomplished so many big deal things in her life.

We’ve been emailing back and forth a few times, but we haven’t gotten to meaty subjects yet, though I’m sure that is coming in time.

I read an article this week about how to deal with re-building these sorts of friendships – ones that disappear and then re-emerge: A Psychologist Explains How to Revive a Dead Friendship.

The most important take-away from the article for me was this: when re-building an old friendship, you need to be willing to see that person with a completely fresh set of eyes. Easier said than done, but I think it’s the only way to have an authentically honest new friendship.

It’s like if an artist were to paint another painting on top of an already used canvas. Like, when art historians discover than underneath a Picasso was an older Picasso painting he painted years prior.

I’m not sure what will happen with my new/old friend, especially because we don’t live in the same city, but I’m curious to find out.

Have We Become the Slash Generation to Compensate for an Economy that’s Failing Us?

Jane wrote an article about the Slash Generation over a year ago- Are We the Slash Generation?– and it’s one of our most read articles. Why? Well, beside’s Jane’s captivating writing skills, I’m convinced this interest in the slash generation prevails because the slash generation is ubiquitous and is already bleeding into future generations.

What is the slash generation? It’s a generation of 20 and 30 somethings that have multiple jobs and even multiple full time careers. For example: Actor/Yoga Teacher/Nutritionist/Graphic Designer, or DJ/Cafe Owner/Artist/programmer. We all have hobbies, such as occasional running or painting, but the slash generation has multiple JOBS. I’m a prime example of slash generation- my job title is presenter/product specialist/ demonstrator/ marketer/ writer/ actor/ director/ producer. I’m probably forgetting something.

Why is the slash generation on the rise? Well, the economic landscape is changing for millennials in their twenties and thirties- and the changes are affecting younger and older generations as well. Jobs that include pensions are now few and far between and companies don’t necessarily encourage employees to stick around. Changing jobs has become as frequent as changing your socks.

And there are good reasons to change jobs: minimum wage salaries don’t nearly keep up with inflation, most employers don’t reward you for sticking around, benefits are few and far between. So instead of sticking with one company, millennials are going wide and both starting their own companies and working with multiple employers on both a freelance and employee basis. Honestly, we sometimes need to do all these things to pay our bills.

The slash generation is a double edged sword: it can be very helpful to have multiple jobs and skills and to ‘go wide’ so that you have security if certain jobs don’t work out. But the slash generation is also sign of unfair economic times in America- where you can work very hard within companies and still not see anywhere near the kind of money you deserve. This is an era where companies can have spectacular financial success with their employees barely seeing a dime of that growth.

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In America, there has been a 72.2% rise in productivity since 1973 and only an 8.7% rise in pay rate

 

 

Should We Care about the Minimum Wage Problems in Our Thirties?

Hopefully, though not necessarily, we’re making more than minimum wage in our thirties. Whether you are or not, though, I hope you’d be interested in the statistic saying that the Federal minimum wage, adjusted for inflation, is worth less than it was 50 years ago. I find that to be an extremely sad statistic.

Someone asked on Quora (my absolute favor online pleasure site where I can get lost in questions and answers for hours) the other day: “How could 1950’s families afford to have only a working father, but a stay at home mother?” A bunch of people provided answers about eating out less and saving more, but one answerer got right to the point: Basically, when there was more productivity at a company in the 1950’s, the workers made more money. When there’s more productivity at a company now, the top 1% keep excess money, and the workers never see it.

In 1950, the average income per year was $3,210. Since the minimum wage was $0.75 an hour (on January 25, 1950), people working the minimum wage the average number of hours a week (43) made $1,677 a year. So, by working the average number of hours and making the federal minimum wage, you could make 52% of the average wage. In 1950, a new house cost $8,450. So, if you never spent a penny of the money you earned, it would take roughly 5 years at the federal minimum wage to save the amount equal to that of a new house.

In 2015, the average income per year was $55,775. Since the minimum wage in 2015 was $7.25 an hour, people working the minimum wage the average number of hours a week (34) made $12,818 a year. So, by working the average number of hours and making the federal minimum wage, you could make 23% of the average wage. The average sale price for a new house in January 2016 was $365,600. So, if you never spent a penny of the money you earned, it would take 29 years at the federal minimum wage to save the amount equal to that of a new house. Do those seem equal to you?

Also, according to the EPI: “Between 1973 and 2014 productivity grew 72.2 percent…while the typical worker’s compensation was nearly stagnant…9.2 percent over the entire 1973–2014 period. This allowed a huge concentration of wealth at the highest 1% of people.”

So what can we do about this? Well, California and New York have increased their minimum wages (with the exclusion of certain small businesses) to $15/hr and that will go into effect by 2022 and 2018, respectively. This is great progress. Because, according to a study by the Center for American Federal minimum wage: “the minimum wage should have hit $21.72 an hour if it kept up with worker productivity.” Even if minimum wage kept up with inflation alone, the study goes on to say, federal minimum wage should at least be $10.52 an hour.

Even if you’re not politically active, and don’t want to get into debates about the minimum wage, you might feel some anger over this the same way I do. People can’t live on the federal minimum wage as it stands…and even if they can live a scraped together life, it doesn’t help the economy anyway that people living on an ‘unlivable’ federal minimum wage have barely any buying power.

What can we do? At the very least, it’s good to be aware of this issue, and spread the word when we can. It’s not true that people in the 1950’s simply “saved more.” I’m a huge fan of saving but don’t let yourself get gaslighted by minimum wage excuses like that one. There are americans who work the maximum number of hours allowed a week, and save as much as they can, who are still simply unable to make enough money to live on. This is a problem for us all.

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What Can I Deduct On My Taxes?

Ah, it’s tax season again! One of my favorite times of the year! Just kidding- I hate tax season. But it definitely helps to know what I’m doing before I file- and I have an accountant. But accountants can only do so much if I’m completely disorganized. So hopefully you have all your w2s/1099s in order and are ready to go. But are you taking the tax deductions you deserve?

Deductions are basically items you’ve paid for that somehow relate to the job you do. So if you’re self-employed and have a modeling business and you’ve bought a bunch of make up and hair products for shoots, those are deductions. But there are countless other deductions for every profession- and you don’t have to be self-employed to take them. Before I list them all,just a quick reminder about the standard deduction- that’s the amount you’ll get to deduct from your income if you don’t itemize deductions separately. So you’ll always get to deduct something.

For example, if you made $40,000 this year and are filing as a single person or are married filing separately, the standard deduction for 2016 is $6,300. So it’s as if you only made $33,700 this year- and will only be taxed on that $33,700. So if you don’t have itemized deductions totaling more than $6,300, then you should take the standard deduction and that’s that. The standard deduction if you’re married and filing jointly is $12,600, and if you’re filing as head of household (meaning you have a dependent), your deduction is $9,300 this year. 

So if you think you can possibly itemize deductions adding up to more than that, here are a few deductions you can try:

-Do you own a home? There are deductions you can take that relate to your home including what you’ve paid in property taxes, interest on a home equity loan, and possibly any home improvements made for medical care.

Were you in school or paying off a student loan in 2016? You can deduct some of your tuition and loan interest!

-Did you have a child in 2016? You’re eligible for tax deductions!

Are you self-employed and have a home office? You can deduct a portion of your rent and utilities! If you’re self-employed you can deduct a lot more though. See Mashable’s article on deductions for the self-employed. I’m too tired to write a whole new article on this, even though I’m self-employed- theirs is quite good.

Did you move for a job? You can potentially write off your moving expenses EVEN IF YOU DON’T ITEMIZE DEDUCTIONS!

Also, if you had large healthcare bills (even dental bills) in 2016, or donated to charity, you can potentially write off a portion of these expenses as well!

So don’t leave money on the table this tax season- no matter how nice you aren’t you don’t need to pay Uncle Sam extra money you don’t actually owe!

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