Sometimes the Solution Isn’t to be Nicer

I struggle hard to learn from my mistakes and not repeat them. I strive to do my absolute very best.  I hate regret. I hate it.

I try very hard to word things correctly, and to be aware of what I might have done wrong in the past so I can always do things right in the future. I think hard about people’s feelings. I try to be helpful. I try to be fair. I worry about people’s happiness. I hope I’m being nice enough. I hope that I’m not doing something wrong and upsetting someone. I strive to be the best possible friend. I strive to be the best possible family member.

I used to be slow to return texts and emails– I struggle to be faster.

I used to let friendships lapse a bit when I got into relationships– I’m now very aware of this issue and have sworn my allegiance to my friendships.

I used to let significant others do what they wanted, even when it made me extremely unhappy or suffer– I now attempt to communicate what I need early on. This is very hard for me to do. I sometimes feel awkward communicating what I want without being asked but I know I have to.

I used to be more outspoken– now I struggle to be careful with my wording… to the point that I’d almost rather be silent than say the wrong thing by accident.

I used to believe that being nice (and down to earth and rational) could solve almost any problem– I’m now starting to understand that it cannot.

Sometimes when people surprise me by acting in what I perceive to be a sudden cruel way- possibly by saying something mean to me, or flaking on me, or disappearing on me, or by not accepting me, or telling me that they’re upset with me but hadn’t let me know before, I freak out. I obsess over what I could’ve done differently. I look through my old texts or emails, and think about conversations. I wonder if I worded things incorrectly. I worry that maybe if I could have somehow been even nicer and more thoughtful, things would be better.

But then I think about all the amazing friends and family members who accept me even when I’m busy or don’t return texts immediately or say random things that come to my head without editing them. I think about all the people who I accept and forgive all the time…even when they’re slow to respond to me or jot down brisk silly texts, or seem distracted and don’t act the best they can all the time. I realize that the people in my life are imperfect. The same way I am imperfect. And I’m suddenly starting to realize that the RIGHT people, the amazing ones, will forgive the dumb mistakes or the slow emails or the days between seeing each other when we get busy.

Sometimes being nicer and nicer in an effort to make things work with certain people isn’t going to ever make things work anyway. Perhaps the answer is to have more respect for myself and for the people who forgive my transgressions because they know that I’m doing the best I can. Because they love me for who I am, however imperfect.

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Portrait of a Thirty Something: Amy Adams

Our next Portrait of a 30-something is my friend and former roommate, Amy Adams. Amy is a world traveler as well as a travel blogger. She recently got back from an epic trip around the world where she went to Israel, New Zealand, Hawaii, Oslo, Turkey, Barcelona, and Athens all in the span of two months. She did it all for less than $4500 for TWO MONTHS away in over 7 countries including flights, lodging, food, and any tourist activities and souvenirs, so she’s a great person to talk to about going on an amazing trip without breaking the bank. Amy writes about her world trip and all of her travels on her blog, This Borderless World.

Amy formerly worked as a concierge in a hotel. She was also a flight attendant. She’s had travel in her blood for quite a long time. But this summer, Amy has been the queen of staycations. She’s walked almost every New York bridge from the Queensboro to the Brooklyn to the George Washington this summer, and she’s also constantly inspiring me by going out and exploring a new area of the city, or a new museum, or even a new cemetery! She just never stops!

Read more below about a 30-something who proves that life never has to be boring and that there’s always more to explore!

Name/Age/Location: Amy Adams/31/Queens,NY

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What’s the accomplishment you’re most proud of in your 30s so far? 

When I was 19, I came to the US with no plan, minimal possessions, very little money and the most excited, motivated, positive and enthusiastic attitude imaginable! The possibilities were endless and I was tremendously excited about being in the country of my dreams.
In hindsight, I love that free spirited, fearless, independent girl who did what she wanted, listened to her own inner voice and was never discouraged. After almost ten years of living in the comfort and security that a traditional life offers,  I’m doing a complete 360 and wanting to revert back to that solo traveling, wanderlusting free thinker! I like her better than the make-up wearing, brand name clad, conventional girl I became. My 30’s reiterated in the clearest way possible that life is fleeting… so live your truest life. I’ve wholly embraced this new (or rather old) concept and I’m very excited about where this takes me.

What do you NOT miss about your 20s? 

My 20’s were exhilarating and thinking back on it now is exhausting but worth it! Circumstances lead me as far north as Vermont, and then to the Deep South for a few years. Then I lived up and down the eastern seaboard until finally landing in my dream city! I wish I had arrived sooner but I wouldn’t trade my experiences for anything in the world!

Looking back, what shouldn’t you haven’t been afraid of in your 20s? 

I’ve never had a nuanced existence- people either loved me or hated me. For the longest time I tried to reach this middle ground… which can only be described as “normal.” But I realized very quickly that I don’t do normal. Thinking about getting insurance or wondering when I should do my laundry or feeling the need to rush home and watch tv (instead of experiencing life) makes me sad. I was a risk taker in my 20’s and I miss that fearless, rebellious, and independent spirit! Everyone keeps saying you need a plan and you need a goal but I’m opting to live in the moment! No goals, no plans, no expectations, no limitations!

Any surprises about what your 30s are like? 

My 30’s have been incredibly edifying. I’ve been waiting for a while now to get excited about wanting adult things like a home, family, car, and a two week vacation. But I’ve come to realize that is not the life I want or the one I was meant to live. I’m one year in and I’m more optimistic and invigorated than I’ve been in years. I’m embracing my identity as a nomad. I feel younger, more energetic, humbler and psyched for a future unknown!

What do you find most challenging about this decade? 

At first I abhorred social media and believed it eliminated the possibility of establishing any type of relationship organically. Now I’ve come to realize it’s in fact enhanced the chances of meeting more people and making meaningful connections. It’s all a matter of perspective. Social media can be used for good or evil… which is empowering.

What are you most looking forward to? Be it tonight, next month or ten years from now! 

Living in the moment- every moment! And never ever letting other people’s ideas of a proper and perfect life affect my idea of my perfect existence. I also know there are like minded folks out there with similar unconventional attitudes and I’m excited to meet them!

What would you like to hear more about regarding the thirties? What articles would you like to read? 
I’d love to read about unique 30-something year olds who follow their own paths no matter what. I want to see people who listen to their hearts and drown out all the naysayers! I’m especially interested in those who “didn’t succeed” (according to societal standards) but are still on their own true path! I regard the persevering types as the most successful, interesting and inspiring. The most influential people on this planet died poor without a ton of support. They really are the wealthiest of all for they’ve truly taken ownership of their lives. That type of wealth can never be squandered!
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The Story of the Green Beetle

A few days ago, I was walking to the bus stop to head home from my summer camp job, and my mind was in a thousand places. I was thinking of all the emails I had to return, the laundry that had piled up, and the buzzing phone in my pocket filled with group text messages from work, and if I should eat pizza for dinner for a second time this week (resounding yes). My mind was anywhere but the present.

As I was approaching my bus stop, two enthusiastic young men stopped me, their eyes lit up with a feverish intensity. Being a New Yorker, I know what that means. Comedy club tickets, anyone? Or how an all-inclusive ‘salon package’ for the low, low cost of $69.95 but worth $200? Spend a year in Manhattan and you’ll be propositioned for both of those offers.  But these looked like international college age students, and they didn’t seem remotely threatening. So I stopped. They pointed down at the ground to a large beetle with a black body and glowing green legs.

Bugs freak me out, so I recoiled a bit. But this was magical; I have never in my life seen a bug so gorgeous and so unusual looking. It looked like it belonged in the amazon rainforest. The first thought I had was that this bug must not be real. It looked like it could be a small, robotic animal. The young men remarked that they had never seen a creature like this in their lives, and asked if I had. I shook my head and said no. We all stared at it in awe, until it jumped up and started flying, to our collective surprise.

There is no exciting end to this story – the bug flew away and I ran to grab my bus. But I was left in a new headspace, feeling curious. I spent my bus ride home searching google on my phone, trying to identify this beetle. But nothing came up that looked like the beetle. They were lots of bugs with neon green bodies, but none with just neon green legs.

People sometimes say that when you’ve got stress or anxiety in your life, you should step back and “Look at the big picture.” And sure, it’s good advice. But sometimes I think the better advice is to narrow your focus. Take in the smallest of details around you. See how the tiny details expand and become worlds onto themselves.

The Paradox of the Unpacked Box in Your Thirties

I’ve been thinking a lot about boxes lately. This is probably because I just moved.

There are boxes all over my new apartment, most of them still neatly taped up. I’ve been beyond exhausted this month, as I talked all about in my last post, Is The Saturn Return In your Thirties A Real Thing?  So, the last thing I’ve wanted to do is unpack. image

This is unlike me, as I usually like to get things done fast, and all at once. But it seems I used the last of my energy to get the boxes packed, and now I can only stare at them listlessly and hope for them to magically put themselves away.

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Alas, it’s been four days in the new place, and nothing has put itself away yet. So today I decided to crack open a bunch of boxes.

And everything got a lot more messy.

The nice stack of boxes all sealed and piled up was so much neater than the messy pile of clothes and nonsense that I pulled out and didn’t know where to put.

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And for awhile I just wanted to put it all back into the boxes again and seal them up. Or I wanted to jump to the end and have everything all be done.

The hardest part is being in the middle of the unpacking process (still there now), where I have to make things more chaotic in order to progress.

Tonight, I was talking to a friend about how if you’re feeling sad or upset, you need to feel your feelings and express them in order to grow and move on from them. And to move through them. Fake positivity all the time just leaves you in a state of stagnation and  annoys all your Facebook friends.

Then I thought about the boxes, and how in your thirties, all you want is to feel like you’re on top of things and like you have things figured out. You want things to be neat and squared away. Boxed away, perhaps? But the real truth is that in order to get things squared away for real, you have to get messy and uncomfortable. It’s not going to feel good and is not going to look good when you take things out and they get everywhere for awhile. And maybe people will judge you when you’re in the middle of that. But screw those people. You have to unpack the neat boxes, get messy, and see what’s inside.

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It’ll likely look like chaos and maybe feel even worse, but only then can you begin to put it away.

And move beyond it.

What are some of the boxes in your life?

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Impossible Magic You Can Do When Single In Your Thirties

There have been many times when I’ve heard a thirty-something friend of mine say “I’m getting old for that” or “I used to be able to ______, but now I can’t because my body doesn’t work the same way as it used to when I was younger.”

I’ve been guilty of saying both of those lines myself.

However, a lot of the time I realize that the things that I used to do when I was younger but now feel like are harder to do in my thirties are things that I never really liked to do in the first place.

Here are three examples:

-Going clubbing (I always disliked it, but now happily have the ‘I’m too old for this’ excuse)

-Starving myself thin (This sucked! It just felt like a necessity in my teens and twenties. Now I’m just like ‘I’m beyond this bullshit. I eat for strength, health and enjoyment.’)

-Drinking until I was sick (Umm, who wants to be sick? The proper phrasing for avoiding this now is: “I know my limits, thank you.”)

However, something I used to do when I was younger that I’d stopped doing for awhile but always liked was staying up late and getting a crazy amount done at once. You see, I’m a night owl by nature, hence I work best at night. Since the world isn’t built for night owls, I feel like what I’m supposed to do is get up at 5:30am (crack of dawn) and hammer out work. Start with the gym, maybe marathon training, and then work steadily until evening, when I should settle down with some TV and food and a reasonable 10:30 bedtime. But this is exhausting to me. What I like better is staying up late, sleeping in, dawdling for quite awhile, then getting into a routine of an afternoon gym session and working hardcore into the night.

And I recently realized that the reason I haven’t done this in awhile wasn’t because I was getting older but because I wasn’t single.

I matched my schedule to the person I was dating. I felt guilty and weird working into the night. I’d get up early and would never get as much done because I never really got into my peak work stride.

And now that I’ve been single for a little while, I’m starting to get back into the habit of making my own schedule and getting crazy amounts done at night, on my own.

So let’s add another awesome perk to being single in your thirties, or any older years: go back to doing the things you liked to do when you were younger but may have put aside for someone else. Now’s your time! You are still very young! Enjoy it!

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Tonight I went to the 24 hour Duane Reade at 1am because I needed something. And you know what? I’d rather go at 1am then at 7am because that’s the way I like to live life!

How Good Are You At Cooking By Your Thirties?

I recently read an article on Thrillist called 11 Dishes You Should Be Able to Make by the Time You’re 30. I could make 3 of them.

Now, this seems unfair. I consider myself to be a good cook, and I cook all the time. My Seamless and Grubhub accounts have been collecting dust (tech dust) for years, and I’m fantastic at saving money by not only cooking at home, and in hotel rooms, but cooking at home and in hotel rooms with whatever is lying around.

So let’s go over the list that Thrillist made, cause it seems kinda random:

1. Scrambled Eggs. Okay, this one I understand. Cooking eggs by 30 is important. Eggs are easy and full of protein. And check, I got scrambled eggs down. It’s not the best dish ever, but I can do this just fine.

2. Mac and Cheese. Half check. This is ironic because mac and cheese is actually my favorite food. Don’t get me wrong, I can easily make a mac and cheese, but I’d have to follow a recipe. I try not to keep cheese in the house because I’m addicted to it and am also slightly allergic. So I really only have mac and cheese occasionally when I’m out. Actually, I can make a mean vegan mac and cheese..if that counts. I kinda like that mac and cheese is on this 30’s list, cause I find it important…

3. Tomato Sauce. Belongs on the 30’s list…it’s an important basic. But I cannot make this. It’s been on my list of ‘recipes to perfect’ forever. Buying a jar is just so easy though… But I plan to get good at making it. One day.

4.  Pizza. Do english muffin pizzas count? I’ve never tried to make pizza, but I really want to. It’s also on my list of ‘recipes to perfect.’ But I don’t think it needs to be on the 30’s list. Pizza is so easy to just order in.

5. Grilled Steak. I’m a vegetarian. I have an excuse. And I don’t think it needs to be on the thirties list…but that’s me.

6. Roasted Chicken. Vegetarian. Off my thirties list…but this might be a good one for others.

7. Salmon. I hate seafood. Plus, vegetarian, remember? And no for the list… I’m grossed out and don’t think salmon is important.

8. Guacamole. Yes! I make a great guacamole! Guacamole is its own food group to me! Yes for the thirties list!

9. Meatballs. You know why I don’t make these. Totally not on the thirties list.

10. Skillet Burger. See above for why I don’t make them. But I really want to start making veggie burgers. However, like pizza, I think burgers are easier and better to order in or grab while out and don’t belong on the thirties list.

11. Cookies. Yes! I’m a fantastic baker. I think being able to bake at least SOMETHING well totally belongs on the thirties list.

Okay, so my reasons for wanting many things on or off the thirties list are arbitrary.

What do you think? Did Thrillist do a good job? Can you make these? What’s on your ‘must be able to cook by thirty’ list? I’d love to read your comments below! 🙂

I recently baked some bread, and was quite proud of myself! But bread should definitely not be on the thirties list...too hard.

I recently baked some bread, and was quite proud of myself! But bread should definitely not be on the thirties list…too hard.

Being able to make a soup is a good one for the list though..here I've made some split pea soup to go with the bread.

Being able to make a soup is a good one for the list though..here I’ve made some split pea soup to go with the bread.

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Mmmm…fresh baked bread…

Have You Gotten More Responsible From Age Twenty to Age Thirty?

Governor’s Ball was this past weekend in NYC. It’s a 3 day music festival held on Randall’s Island with lots of amazing and very famous musicians. I was away and didn’t get to go to the concert, but I read the funniest article in The New Yorker about it. A reporter compared his responses to the festival as a twenty year old with responses to the festival as a thirty year old.

Here are a few of my favorite comparisons he mentioned:

“As I’m walking through the festival entrance, a man casually vomits before continuing on, unfazed.

Twenty-year-old me thinks, “Dope. That guy knows how to get faded like a champ!”

Thirty-year-old me thinks, “I’m concerned for the boy’s health and the general sanitation of this festival. Where are the comment cards located?!”

For the second time in Gov Ball history, rain converts the fields to swampy mud pits.

Twenty-year-old me thinks, “Whoa—even the dirt here likes to party!”

Thirty-year-old me thinks, “I want to go home.”

Perhaps in a nod to “It’s Always Sunny in Philadelphia,” a teen in front of me takes shots of vodka out of an emptied out S.P.F. 50 sunblock container that she used to sneak in booze.

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Twenty-year-old me thinks, “Hello, future wife!”

Thirty-year-old me thinks, “I should inform the evening news about this disturbing trend.””

In my twenties, I think I might’ve been just as upset as I would be now about someone casually vomiting in front of me. I mean, eww! It would always be ewwww!

If it rained and got muddy and disgusting outside, I wouldn’t have ever been into it at any age, twenty or otherwise. I mean, I’m not into muddy rain. Ever. Ew.

If someone took shots out of an empty spf bottle, I would’ve thought it was brilliant then, and I would actually still think it’s brilliant now. Though now I’d probably worry that if I drank some I’d be drinking leftover SPF chemicals. Ok, umm, ewwww. I mean, I’d still drink it…

Maybe I was a boring, responsible twenty year old, or maybe I haven’t changed much, but the way I would’ve felt about the above circumstances in my twenties are basically the same way I’d feel now. Maybe I just need to loosen up, drink some alcoholic SPF, and play around in some mud. Maybe, in my thirties, I need to play catch up on the enjoyable irresponsible behavior I missed out on in my twenties.  Or maybe not.

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Do You Think Someone Younger Than 35 Should Be Allowed to Run For President?

Currently, the minimum age requirement to be president of the United States is 35 years old.

In Ireland, there was a referendum recently to reduce the minimum age of presidency from 35 to 21.

Wow! Can you imagine a 21 year old president? Can you imagine a 21 year old president of the United States? I mean, to be fair, I’ve met some brilliant 21 year olds- and even heard about some brilliant 13 year olds, like this 13 year old tech company founder– but in the case of a nation’s president, I think bit more life experience can be really helpful.

Ireland voted no on the referendum by a majority of 891,704 votes.

520,898 votes were for pro age change and 1,412,602 were against it.

But it’s interesting who voted yes. Here’s a quote from the Irish Times:

“Dublin South Central TD (TD is the equivalent of a congress member in Ireland), Eric Byrne revealed he had changed his mind at last minute and voted Yes. “It just dawned on me, I don’t have to vote for a 21-year-old but why deprive them of the right to run?”

Fine Gael Minister of State Simon Harris, who is advocated a Yes vote, said the Constitution is ageist and needs to be changed.

“Ageism has no place in our Constitution,” he added. “It was written at a time when there was a different view of our younger citizens.” “

21 is pretty young, but I wonder if the referendum results would be different if the age difference was changed from 35 to 30 instead of from 35 to 21.

A 30, 32, or 34 year old president seems doable to me. What do you guys think?

Do you think there’s a major difference between the ages of 30 and 35? What would it be like if the presidential minimum age in the US was lowered from 35 to 30?

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Our youngest president ever was Theodore Roosevelt, who was sworn into office at 42 years of age

Barack Obama was our 5th youngest president, sworn in at 47 years of age

Barack Obama is our 5th youngest president, sworn in at 47 years of age

How to Talk to A Grieving Friend in Your Thirties

Sheryl Sandberg wrote a beautiful statement today on Facebook about mourning the death of her husband. He died very suddenly in a tragic accident on a treadmill while they were on vacation in Mexico.

The statement was made after she came out of 30 days of intense mourning for him- a tradition in Judaism known as shiva. Even though it’s been 30 days, I can’t imagine her pain is anything less than fresh and intense, so I’m amazed she put out an incredible brief on Facebook so early on in her grieving process.

Sandberg’s statement is incredibly sad, but it’s also helpful as well as brave. I remember trying to talk to a friend last month whose grandmother had recently died. I didn’t want to upset her and I didn’t know what to say, so I ended up shamefully trying to avoid her until I gathered up my nerve to speak.

Even now, in my thirties, I feel like I never really know the right thing to say to a grieving friend, or relative. But there are definitely better things to say than others.

Sheryl has some great ways to approach (or not approach) this difficult subject. Here are a few:

1. Don’t tell your friend that it’s going to be okay

“A friend of mine with late-stage cancer told me that the worst thing people could say to him was “It is going to be okay.” That voice in his head would scream, How do you know it is going to be okay? Do you not understand that I might die? I learned this past month what he was trying to teach me. Real empathy is sometimes not insisting that it will be okay but acknowledging that it is not.”

2. Ask your friend how he or she is doing today instead of a simple “how are you doing?”

“When I am asked “How are you?” I stop myself from shouting, My husband died a month ago, how do you think I am? When I hear “How are you today?” I realize the person knows that the best I can do right now is to get through each day.”

3. You don’t have to reassure the other person in order to empathize

“When people say to me, “You and your children will find happiness again,” my heart tells me, Yes, I believe that, but I know I will never feel pure joy again. Those who have said, “You will find a new normal, but it will never be as good” comfort me more because they know and speak the truth.”

Other things to say to someone who has lost a loved one include:

– Simply addressing the situation: “I heard your _______ died. I’m so sorry”

– Be genuine: “I’m not sure what to say, but I want you to know I care”

– Offer support: “Is there anything I can do for you?”

– Be willing to just sit and listen with compassion.

Things NOT to say include:

-“I know how you feel” – You can never really know how the person feels.

-“They’re in a better place now.” -You never know if the person you’re talking to believes this.

– “It’s part of God’s plan” – This can cause the person to get angry and actually say something like “What plan? I wasn’t aware of any plan.”

– “You need to get on with your life.” Grief moves at its own pace. This statement is unlikely to help anyone to actually get on with their life.

Thank you for sharing such a vulnerable and devastatingly sad yet extremely positive statement, Sheryl. I’m sorry for your loss and am extremely sad for you and your family.

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Throwing It All Away In Your Thirties

I’m currently on a minimalism kick.

I’m throwing away as much as possible. It’s been hard.

The easy part is getting rid of items I’m relieved to toss- the stuff I never really wanted in the first place. The hard part is getting rid of the “sometimes” items: the ones I occasionally use, find somewhat useful and sort of like.

And then I heard the wise words: “Get rid of anything that does not spark joy,”

The quote is from the number one Amazon bestselling book “The Life-Changing Magic of Tidying Up: The Japanese Art of Decluttering and Organizing” by Marie Kondo. Jane read the quote to me, and now I have to read the book. I’ve seen multiple articles about it including this one about having an entire Marie Kondo decluttering party.

But even without reading Kondo’s book, her quote is enough to change the way I look at items in my home. I’ve collected so much in my 30 years, but how much of it sparks joy?

The answer is almost none at all. Surprisingly, minimalism has begun to spark more joy in me than most of those items ever could.

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Portrait of a Thirty-Something: Jennifer Harder

We are thrilled to present our fourth Portrait of a Thirty-Something interview with Jennifer Harder, a performing artist in New York City. Jennifer works as an actor, horn player, and a neo-vaudevillian (which if you haven’t heard that term, as I hadn’t, it means bringing back sideshow, circus, burlesque, and other live nightlife of yesteryear). I love how open Jennifer is about finding more peace with herself and how she’s learned to let go of seeking approval from others. Enjoy her interview, and a big thank you to Jennifer!

You can visit her website here.

Name/Age/Location: Jennifer Harder/34/Brooklyn, NY  AC_Portraits5B__033 as Smart Object-2 copy

Occupation: Performing Artist

What’s the accomplishment you’re most proud of in your 30s so far? Feeling at home and at peace in my own skin has been something I never thought would happen. It’s glorious.

What do you NOT miss about your 20s? I don’t miss the striving for “perfection” that I thought was lurking around every corner.  I was fairly close-minded in my early years about what constituted “success” and what that then meant.  On nearly every endeavor, I hardly enjoyed the journey and when I got to the destination it seemed hollow and unsatisfying.

Looking back, what shouldn’t you haven’t been afraid of in your 20s? People! I was so afraid of what they thought, gaining their approval, disappointing them, being dismissed by them, etc.  We are all in the same boat; the idea that we’re somehow different or separated from one another is imaginary.  People are truly what life is all about: a full life is one in which you share your moments with each other.

Any surprises about what your 30s are like? My mind has expanded exponentially and I’m able to look back on my stories of mishap and adventure with wisdom and without judgement.  I never really thought my 30s would be any different, but am pleasantly surprised with the maturity and peace of mind I’ve found.

What do you find most challenging about this decade? I might be at a crossroads with my career and it’s proving to be both frustrating and illuminating.  I may be emotional one day and excited the next about where life might take me.

What are you most looking forward to? Be it tonight, next month or ten years from now! I’m looking forward to becoming more spiritual, which is another area I never thought I’d explore.  I’m also looking forward to trying new things and seeing new places.

What would you like to hear more about regarding the thirties. What articles would you like to read?  I’d like to hear stories of people who have changed focus in their careers.

Knowing the Difference Between Memorial Day, Veterans Day and Labor Day by Your Thirties

Today I overheard someone asking the difference between Memorial Day and Veterans Day. This was not a child asking- it was someone in their fifties

Last year on Labor Day, a friend of mine was wondering whether or not to thank the military. (Short answer- sure, thank the military- but not because of Labor Day. Labor day has nothing to do with the military- it’s about American workers.)

So in case you’re not sure of the differences between the holidays, but are too embarrassed to ask, lets clear up the confusion right now, anonymously 😉

Memorial Day: Memorial Day is for honoring and remembering military personnel who died serving their country, particularly those who died in battle or as a result of battle wounds. The holiday originated right after the Civil War and is always celebrated the last Monday in May because that’s when flowers are blooming to decorate the graves of the dead. Read more about Memorial Day here.

Veterans Day: Veterans Day is a day to thank EVERYONE who’s served in the military, whether in wartime or peacetime. The day is especially to thank living veterans for their service, and to really show that all those who served, and not just those who died, have done their duty. Veterans Day was created after World War I and is always celebrated on November 11. Read more about Veterans Day here

Labor Day: Labor Day is dedicated to the contributions and achievements of American workers. It was created in 1887 by the Central Labor Union and the Knights of Labor. It’s always celebrated the first Monday in September. Read more about Labor Day here.

Hope you had a beautiful Memorial Day weekend.

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Credit Card Myths You May Still Believe In Your Thirties

I feel like getting and keeping good credit is something that should be taught in schools. Otherwise you really have to dig to learn the ins and outs of the mysterious FICO score.

Then again, there are many financial topics that should be taught in schools but aren’t.

Sadness.

Just because I’m in my thirties doesn’t mean I was necessarily taught anything about the ins and outs of FICO. Most of my answers have been self taught.

So I’m here with some common credit card myths that I used to believe in the past. The only way to counter the misinformation that abounds about FICO scores is to provide some solid facts. Hope they’re helpful!

1. Applying for Credit Cards majorly damages your credit score

FALSE – Actually, applying for new Credit Cards will likely help your score in the long run because it will lower your debt-to-credit (or credit utilization) ratio and will increase your credit history. Applying for new cards temporarily lowers your credit score- but way less than you may think. The dip will usually be around 5 points. The long term gains you see will likely be much more than that.

2. You must carry a balance on your credit cards to build credit history and increase your score

FALSE- I really used to believe this one and used to wonder what the magic number was- should you carry a 5% balance? 1%? The answer is that you can pay off your cards in full every month and your score will only increase because of your better debt-to credit ratio.

3. Canceling your credit cards is good for your credit score

FALSE – If you’re an out of control spender, financial gurus such as Suze Orman recommend that you cut up your credit cards- but don’t cancel them. Canceling them will lower your all important debt-to-credit ratio, and will likely end up lowering your score. The only time you should cancel a card is when it has an annual fee that you don’t feel is worth paying anymore. It’ll still lower your score a bit, but it may be worth it.

4. Once you have a bad credit score, you can never fix it

FALSE- This is very untrue. Credit scores don’t really reflect how things are today- they’re a collection of happenings over the years. Missed and late payments and other score damagers will actually fall off your report in 7 years! So there’s likely very good FICO news in your future if you got off-track but now are back on.

5. Checking your credit report hurts your score

FALSE- I believed this one forever. But it’s just not true. If you check your own credit, it’s known as a soft inquiry, and doesn’t have ANY effect on your credit score. If someone else (a credit card issuer, lender, etc) checks your credit score, it’s called a hard inquiry, and that affects your credit score. But not by as much as you think (see Myth #1 above).

Hope this was helpful! These are the simplest myths, but I’ll be back with a part 2 very soon 🙂

3d rendering of a credit card cut into pieces

It hurts. So what?

A couple of weeks ago, I was extremely afraid. I wanted to speak up, but it felt much easier to stay silent. Or rather, I needed to speak up but was afraid of the response. There was an 95 percent chance that things wouldn’t end well.

Okay, I exaggerate. I’m not saying that I would die or get physically injured or even be screamed at, but I likely wouldn’t get the response I desired. I’m talking about the likelihood of a very high rejection rate.

I knew I’d regret it if I didn’t say what I wanted to say. I knew I’d feel even worse if I stayed silent. But I was scared. The pain I’d feel if rejected felt very real.

So I vented to Jane about how I felt safer staying quiet because I didn’t want to bring almost certain pain into my life. Even though I knew what I needed to do, it sucked that I could predict the future pain from doing it. And it was then that she said to me one of the best pieces of advice I’ve ever heard in my adult life.

She said “yeah, it’s going to probably  hurt. It’ll probably hurt very bad. But okay. So what?”

So what??

The revelation feels groundbreaking. Things may hurt, very badly even, but so what? So what?

Can you live with the pain of things hurting? Yes. And when you can live with that pain and be brave in the face of it, the world opens up.

Suddenly, suddenly everything is doable. Even the most immense impending hurt can’t stop you. It can bring you to your knees and it can make you cry. For awhile even.

But so what?

I ended up saying what I needed to say, and I was extremely relieved I did. And the hurt still came on strong. The rejection felt intense and stung with pain.

But so what? So what??

I’m still here. And I’m okay.

Help! I’m 30 and Never Followed My Childhood Dream! – Part 2

Jane just wrote How Did You Find Your Career Path? and, in the article, she mentioned a lot of people that didn’t find their career, but instead had their career “find them.” There was the writing major friend of hers who ended up working in perfume, and the film school friend who went into advertising… And then she mentioned how people’s careers usually switch approximately 7 times in their life!

I have a friend who was a drama major who got a major role in a film that turned him off from acting. He went into teaching, loves it, and never looked back. My brother, another actor, was always big into video games and tech. He got a job during college in a video game store. He’s now a brilliant manager at that store and loves his job.

I’m finding lately that sometimes what you think you want to do isn’t actually what you want to do at all. It’s almost hard to admit here because it feels like giving up something…a part of who you are. In a post I wrote awhile ago, Help! I’m 30 and Never Followed My Childhood Dream, I remembered an episode of How I Met Your Mother. In that episode, the gang all realized that there were dream career paths from their childhood that they never followed but always held secret hopes that they one day would. Lily wanted to be a painter and someone wanted to be a rockstar…I can’t remember who. At the end of the episode they realize that they want to let those dreams go because they enjoy the paths they’re currently on even more.

It’s a hard lesson, and not always the case. Childhood career dreams sometimes become reality. Or they sometimes influence what you end up doing (all that drama school helps me see tradeshows as a kind of theater that I need to organize, occasionally direct, and always play my part in, haha). Also, childhood career dreams come in and out, sometimes reemerging as a fresh passion (Janna talks about going after her dancing and acting dreams again after stopping for awhile in Portrait of a Thirtysometing- Janna Davis.)

More than ever, I think that nowadays your career is something to create and evolve with…it isn’t a straight line but- to be corny- kind of a large garden, with seasons and fresh starts and different climates. Sometimes there’s sun and sometimes there’s snow. The soil remains the same (you), but can feel dried up or moistened (those times you realized your career path wasn’t working for you vs those moments of inspiration).

I’ve even heard before from friends that the best moments of their lives were after they got fired from their jobs. They were absolutely forced to start fresh in new jobs and situations they never would have turned to before.

That’s a scary situation and I would never wish for it. I love my job and my unforeseen career path, even though it was never my childhood dream. But I feel more and more that career paths can widen and change and twist into something far different, and maybe a lot better, than your childhood self ever could have dreamed up.

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