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.

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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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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