hush blogs about parenting challenges, marriage counseling, managing friendships, movies, books, style, pop culture, politics, sex, losing one's religion, skiing, missing urban life and decent food, shitty book clubs, and fruit growing in America. hush has been a SAHM, a WOHM, and a WAHM at various times, and thinks they are all equally wonderful things to be, or not to be. Anyone who disagrees basically sucks as a person. I kid. Sort of.
Saturday, May 25, 2013
That's All, Folks!!
It was great fun while it lasted. I learned a lot. But now I know I'm done, and I'm ready to unplug.
Thank you so much for sharing pieces of your lives with me. I won't forget about you.
Peace and best wishes!!
Love,
hush
Tuesday, April 23, 2013
The Virtues of Appearing To Be A Mediocre Mother and Housekeeper
"It took my husband and me about a year of adjustment that included a fair amount of fighting after the birth of our first, but I can truly say I do not do more than my husband does and probably less. My techniques for success included being willing to let him fail in a spectacular fashion, being willing to ignore everything except that which was downright dangerous, and (most important) being willing to appear to be a rather mediocre mother. My kids looked worse than any kids around. But mismatched and stained clothes on your kids is a small price to pay for not having to dress them or do the laundry yourself."
"Also strangers often seem to direct all questions to the mother. I frequently say "I don't know, ask their dad" and point at my husband. When other moms e-mail me to see if my kids can do a play date, I forward all the e-mails to him, and then have nothing more to do with it. And I don't act as a manager, delegating tasks to him. I figured he would be able to rise to the task if I were dead, so that meant he could rise to the task even without me being dead."...
"But there is a reason behind what appears to be on the surface just a "control freak" behavior by mothers. Mothers really do have to field judgment from those around them about their parenting and housekeeping. Men almost never do. This is, I think, at least part of why women go back and re-do [the household chore] when men do it poorly. Until everything got adjusted and worked out between my husband and me, there were times that things *really* looked bad. I remember that he left food scraps in the carpet in the sunroom and there was a horrible invasion of ants everywhere and yet he still didn't vacuum it up and one of his family members came over and saw it, but who do you think got criticized? Me! And other moms have teased me about how tangled my kids' hair was (and actually still is occasionally), but he's the one who gets them up and dressed. And when one of his elderly relatives sends a gift and he doesn't make the kids write a thank-you note, it is me they call up and ask "If it arrived". And these are just the criticisms that make it to my ears. I'm sure there are more judgments that go unsaid, and I'm sure they are directed at me, not him. Oh well, still worth not having to do it all yourself!"
Amen, sister. Amen. One question though. Did you really *need* to engage in a fair amount of fighting for a year after you first became parents? I ask this because I've been there, done that on the postpartum fighting with my DH (after we had our second child 3.5 years ago) and now in hindsight, I don't think any of our old behavior was productive, nor in any way feminist or cool. By "fighting" I mean verbal spats that felt really intense (activating fight or flight response/flooding), that were about the same issues repeatedly, and ultimately went nowhere - and we've learned that for us, that brand of going-nowhere fighting was a total waste of our time and energy. We should have seen our marriage counselor much sooner because we truly needed a neutral third party to get us to get past our own defense mechanisms (learned from dysfunctional marriages witnessed in our families-of-origin) to be able to see and say where the other person is coming from, and to finally work towards a solution. We certainly could have done it without all of the drama. Lessons learned!
These days though we do seem to be able to put into practice some better, research-based conflict resolution skills, and I'm thrilled we have a generally peaceful, happy union these days as a result. For a great resource, see "Fight Less, Love More: 5-Minute Conversations to Change Your Relationship Without Blowing Up or Giving In" by Laurie Puhn, J.D. - originally recommended to me by Gretchen Rubin, author of "The Happiness Project" and "Happier At Home" as one of the many fine books in her excellent bibliographies. And don't hesitate to make that first counseling appointment.
Yes, it's hard when society is all about judging the woman for all of the various appearances-- her own, the kids', the home's -- but never the man. I think it is a worthwhile project to develop your "But is this really my priority?"-meter. It takes guts though. Not everyone is comfy enough with themselves to be able to let some things FAIL sometimes. Most women I know have simply not been socialized to be able to let appearances go, and they can't operate outside of the proverbial box. Just do it.
Sunday, April 7, 2013
What Can the Person Who Drives You Crazy Teach You?
Not necessarily your spouse, child, or boss who might occasionally annoy, nor someone who is obviously toxic/suffering from some sort of readily-identifiable personality disorder. I mean the person who gets to you every.damn.time.you're.around.them.
Maybe this is just me, but there have been a tiny handful of people in my life over the years who seem to be well-liked by other people I love and respect, but who, for reasons I cannot always put an immediate finger on - annoy the ever living hell out of me. Around whom my antennae always go up. Around whom I'm always very guarded. Yet it's like nobody seems to notice it but me. Or maybe they do notice, but they're more forgiving of the person's qualities than I am. Of course, I try hard not to be a gossip IRL, so I never inquire to find out what they truly think of the person.
I was out to dinner with a group last night when one of Those people suddenly showed up. It was rough for me. I tried not to show it, but I was super annoyed - even though the person didn't really do anything actively annoying or offensive. I had to stop and think: what on earth is it about them that irks me so much? These three wonderful people who invited me here have a high opinion of said person, but I'm vomiting in my mouth at the person's every word. (So clearly, I'm going to have to do better due diligence next time before accepting a dinner invite to make sure they won't show up!)
I'm an INFJ on the Myers-Briggs Type Indicator, and I wonder if the personalities who are very opposite from mine automatically won't mesh with me - such as: very extroverted people who need to be the center of attention all the time, people who gossip in front of groups, people who loudly and carelessly reference events within earshot of people who were not invited to said events, people who are ungenerous with money despite having the means to say, repay a series of kindnesses by picking up a small dinner check, people who toot their own horns excessively and trash other people over silly things like their looks, people who host celebratory events for people they were publicly talking crap about weeks earlier, etc.
I'm channeling some imagined Zen masters with this one-- I'm wondering: What can I learn from the person who drives me crazy, even when they're not actively doing anything wrong?
Got anything for me?
Wednesday, March 13, 2013
In Which No Nannies Were Abused and Enslaved In My House
You leave blog comments on otherwise thoughtful and nuanced blogs expressing your concern for all the poor helpless nannies who you just know are ALL being "abused" and "enslaved" in millions of American households. You have loads of research to prove it, too.
If our most recent nanny were still employed with us, and if I were foolish enough to believe you, I guess I'd have to fire her right now. But alas, she's already decided to move on to new opportunities: we were grateful she waited until our youngest entered preschool, and our foster kid returned to the birth parents. The truth is, we think the world of her and her family. We helped her find a new part-time job (that she admits she does not financially need because her husband's job has always covered their bills, and otherwise she'd be a SAHM with 3 kids in all-day school) and enroll in private advanced English conversations classes. She speaks good enough English and even passed the citizenship test in English, but dreams of improving, for which we are paying her full tuition even though she no longer works for us.
*******
Tuesday, March 12, 2013
So Long, Cherished Public Schooling Ideals
I used to judge the last couple of US presidents for sending their kids to places like Sidwell Friends instead of to the local public school nearest to the White House - imagine how that school would have benefitted with the First Daughter(s) there, in theory... I used to judge my old bosses who volunteered on public school-reform boards and projects, while sending their own kids to the best private schools in town, because "I think their peer group really matters most."
Back in the day, I took a lot of ed policy classes, back when the small schools movement was all the rage. I was so optimistic - because there was so much innovation going on, such an array of choices, I thought it meant our schools would have to get better. Wrong. I used to think homeschoolers were cray cray - now I completely and totally get it.
These days, I'm often reminded of what a former prof of mine used to say "If education were such an easy problem to fix, don't you think we would have fixed it by now?" Now I know that context matters - are we talking about big cities, suburbs, or rural areas (like where I live)? Three vastly different scenarios with totally different resources, and different needs.
Like the mother I met the other day who moved here recently from suburban California, where the academically-rigorous public schools were "a total pressure cooker" for her 9-year-old son, who could not keep up with some of his more gifted peers. He's loving it here in No-Academic-Expectations-Having-Land, in fact he's thrilled to be the smartest kid in class (yes, his teacher actually called him "smart," presumably thinking that a beneficial label). But I can't help wonder if they'll feel differently about it when he never quite grasps algebra. Will they even see the lost opportunities in terms of entire career fields that will be pretty much forever closed off to him if he can't grasp algebra? (Forever? Yes, I'm saying forever.)
So, here we are. We've registered our 5-year-old for first grade in a mixed age classroom at the new private Montessori elementary school. This means he's skipping Kindergarten, and will be the youngest student in the school by at least 7 weeks. We had him tested through the school district, and re-tested through a private firm (best $40 we ever spent.) Both tests concurred: he definitely belongs in first grade this fall. We read "A Nation Deceived" which help put our fears to rest about grade-skipping. Off the record, one tester said "I did a double take on his birthdate - looking at him and talking to him I thought he was born in 2005." and "No way should you enroll him in public school around here." Case closed.
Great news, yes. I finally feel really good about DS's educational future.
Saturday, February 9, 2013
Foster Kid
Foster Kid is about 15-months younger than our 3-year-old DD. FK is a sleeper, and is one of the most easy-going, laid back children I have ever met. Hallelujah! DS and DD are absolutely over the moon about FK.
I can't say much more than that. We hope FK stays with us for awhile, but I'm guessing FK's young parents will be ready to resume full residential custody of FK again pretty soon.
It's been quite a journey.
Wednesday, February 6, 2013
The Disney Princess Obsession
He spent 2 hours the other day reading all about Beauty and the Beast, and asking tons of questions. Last night, he showed me a picture in an encyclopedia of Disney princesses and told me that Prince Eric is the one he really wants to marry someday, and that he predicts his little sister will marry Prince Naveen. (Does he finally know what the word "marry" means? Yes, we think so.)
Yes, I occasionally wonder about DS's sexual orientation. Whatever his eventual preferences may be, it really does not change anything about the way I choose to parent. "You kids can grow up and marry either a man or a woman-- whomever you like" is a constant refrain at Casa Hush. We're all about "free to be you and me" here. Yes, boys can play with dolls and princesses! Yes, girls can play with trucks and baseball bats! That's the beauty of having one kid of each sex - they get easy access to the full array of toys out there. They get to share and trade the various gender-stereotyped toys their great aunt sent them for Xmas.
It makes me a little sad that DS refuses to bring any of his beloved princess books into preschool - as if he clearly knows he could be teased for being seen with them. He knows his superhero books are the so-called "right" socially-appropriate ones for him to be seen with at school, and he brings those all the time. It breaks my heart that he doesn't feel safe to share his princess-loving side at school, even though the teachers would be beyond totally accepting of him. How quickly kids pick up on the unspoken, but very rigid social gender norms out there.
The kids have been begging us to rent some Disney princess movies. I give up. "The Princess and the Frog" is on the books for this weekend. At least Tiana seems like a princess with some entrepreneurial moxie.
Friday, January 18, 2013
The Unvaccinated Child with Pertussis in My Kids' Preschool
The email from the school informed us that there is a child in my kids' class who has been sick for the last two weeks with Pertussis (aka Whooping Cough). The email shared the child's name.
Given that this is such a tiny community, and a school of < 20 kids, we all know of the little girl and her parents, and word about these matters spreads so quickly (even when you've given up gossip entirely) so I don't see the sharing of her name as the privacy violation I would have seen it as when I used to live in a large city. But still.
Coincidentally, our DD had experienced some severe unexplained coughing symptoms recently, so we had a bit of a freak out once we heard the dreaded word "pertussis." You may have heard there was a pertussis outbreak in my state (WA) last year, due to vaccine-denier parents who had refused to get their children vaccinated.
The pediatrician thinks she has the asthma that runs in DH's family, and possibly some allergies. Anyway, the nebulizer he prescribed seems to be working. All is well for now.
This whole episode really has me thinking. While on the one hand, I'm not terribly sympathetic to parents who by choice have never had their children vaccinated against the preventable, devastating diseases of childhood - to be honest, I really question their intelligence, on the other hand, I tend to see this as one of the costs of living in a free society. Maybe there's a benefit to living amongst the occasional free rider in our democracy.
Your thoughts?
Thursday, January 3, 2013
What I Resolve Not To Do In 2013
In 2013, I resolve NOT to....
1. Gossip. In 2012, I noticed I had some really uncharitable thoughts about a couple of local people who have nasty gossip habits. I resolve to do exactly the opposite: no more shit talking; only kind speech about others. I will also be brave enough to announce my discomfort with gossip. (Or framed in the negative: I will not be silent about my true opinion whenever someone is foolish enough to share mean gossip with me.) Instead of icy silence and a cold hard stare, followed by an abrupt subject change, I'll try something like: "You know, if she could hear you right now, it would really hurt her feelings to know you feel that way about her, so that's why this is just not an appropriate topic for me."
2. Allow my blood pressure get over 120/80. The way I choose to see it, my prehypertension diagnosis at age 34 was a real gift. It forces me to prioritize my heart health. In 2012, no longer did my cardio workout take a back seat to the rest of my life. Thanks to my blood pressure readings, my heart health went straight to the top of my priority list. And there it shall stay.
3. Avoid revealing my truest self to the people with whom I want to have deeper relationships. For years I've been saying I wish I had deeper friendships with local people. Well, if that is to be, then my high agreeableness, high conscientiousness, INFJ-self needs to do a lot more of the talking, and a lot less of the active listening. (Yes, that would be the exact opposite of what pretty much everyone else needs to do.) I've already gotten started on this resolution - I told a close local friend with whom I'd like to be much closer how I really felt about something, and she responded beautifully like I knew she would. Baby steps.
What do you resolve NOT to do in 2013?
Monday, December 24, 2012
Review of "What the Most Successful People Do on the Weekend" by Laura Vanderkam
I'm a huge fan of her blog, and when I found out she has another time-management book coming out on December 31 called What the Most Successful People Do on the Weekend - I immediately knew I had to read it. She was kind enough to share it with me early, and I absolutely loved it. It was the perfect length, it took me under 30 minutes to devour, and I felt I didn't waste even a single moment of any of my own precious 36 waking weekend hours enjoying it.
So, what do "The Most Successful People" do on the weekend, you ask? Well, in general, they do two key things with their time:
1) They have a structure - choosing weekend labor of a different sort than the weekday labor they typically engage in, or to borrow from fitness parlance they "cross train," and --
2) They plan - by making written plans, particularly about how they'll use their weekend downtime, they take full advantage of the happiness-boosting benefits of anticipation.
There is so much great food for thought in Vanderkam's book, and I say this as someone who already makes extremely good use of her time and who totally lacks the procrastination gene. A few tidbits:
On how to plan a weekend: Plan a few "anchor events," such as 3 to 5 things you want to do, sketched in ahead of time. What's something new you've always wanted to do? Dream a little. Write your ideas down so you can finally make those happen.
On household chores: Do them on the weekdays. "You may just spend less time on chores because you have less time." Designate only a small chore time on the weekend if you must. Better yet, hire help.
On kids' activities: "Pare down to the activities they and you enjoy most" with the knowledge that "depth and focus tend to bring more happiness than a scattershot approach where you never get a chance to go all in towards mastery." (Yes, indeed, that sounds refreshingly familiar.) Also, write down ahead of time how you plan to make use of any time you're going to spend waiting at kids' sports events. Mom writes down: "I'll read the whole Sunday times" while she waits four hours for her daughter's swim meet to end. Brilliant.
On Sundays: "Sunday? Miraculously everyone is free." Indeed. That makes it a great window of time to spend with friends you hardly ever see. Why not have people over for an early Sunday dinner?
On why "the simplify Christmas narrative" is wrong:
"But if you’ve got young kids, it doesn’t take long to realize that there won’t be many Christmas seasons when the little ones will race downstairs in the morning to see what Santa brought. They won’t always be eager to bake with you, spilling flour on the counter in their excitement. Eventually they won’t care if you put up a giant tree, or go caroling, or make hot chocolate. You can beg off making a snowman because you’re tired. But there are only a few winters—and only a few days each winter when it’s snowy and you all are home together— that your children will ask to make snowmen with you. Someday, perhaps, you will be staring at the snow from the too simple room of a hospital or nursing home, dreaming of the days when making snowmen with your children was an option. This realization leads to a different question than that suggested by all these tips on simplifying the holidays. Namely, what are you saving your energy for? This is all there is. Anything could happen and you are not guaranteed another snowman. So make a fuss. Make a show. Spend your energy now."Quite the spot-on argument to carpe diem this Christmas. "Life cannot happen only in the future." So very true. "What the Most Successful People Do on the Weekend" by Laura Vanderkam will be released on December 31 (you can pre-order it now). Happy Holidays, all!
Wednesday, December 19, 2012
The Death of My BFF's Father
Now that he's gone, we're extremely concerned for her, both emotionally and financially. She's showing signs of going through the grief process: Denial, Anger... it's healthy. The anger piece has been oddly healing for my friend and her siblings. Her mom did not refrain from calling a few relatives out on their bullshit. Perhaps "bullshit" is too mild a word for the dynamic in her mom's family-of-origin. For example, mom's sister and her 5 kids spent the week before the
I was devastated that I could not fly out for the funeral, so I asked my parents to attend the wake on my behalf. They said it was lovely. My BFF's mom was really happy they came. Well-attended wakes and funerals seem to be a real source of comfort to the surviving family.
I also broke out my old school (circa 1982) Miss Manners Etiquette book because it's been ages since I've written a note of sympathy. I didn't know that "sympathy cards" with the condolence sentiment pre-printed on them are a faux pas. Glad I checked before I went to the store. The correct way is to write a personal, heartfelt note on your own stationery. It makes sense - that's what I suppose I'd rather receive on one of the worst days of my life.
My own parents' eventual deaths are amongst my greatest fears. I try to be Zen about it. I try to channel my recollections of how a Buddhist master might consider it, something like this.
Thursday, December 13, 2012
Why Our Children Have Never Met Their Grandparents
When some people find this out about our family, it's like their heads explode. Clearly, many folks have never had the experience of being related to a person with a truly toxic personality, and I think until they encounter one firsthand (perhaps when their own children marry into a family that has one) they'll never quite grasp the horror of it.
There's the dominant social narrative reflected in the adage "blood is thicker than water" - we should all spend time with our families no matter what; we should just grin and bear it if they hurt or annoy us because they're family, etc. I find this view to be terribly naive. Once a dynamic gets bad enough, I think it actually makes the choice to cut people out reactively easy to make, but not painless.
The first question people have for us - what on earth did DH's parents do to make you want to get them out of your lives?
Let's just say his parents' behavior could fill all of the DSM-IV and then some. The answer is a rather long story. I'll try to be brief. His parents divorced years ago, and are both remarried and each live both far away from us and each other. To me, that makes the fact that they are both now out of our lives even more telling, because we made two independent choices to no longer speak to them.
His father has PTSD from serving in the army in Vietnam, and from all of the many horrible things I'd imagine that entails. He's grappled with alcoholism, and was fired from his final job for berating and assaulting a female coworker when he got angry with her and lost control. Now he lives on disability. None of his three living siblings want anything to do with him. He tells the most obvious, outrageous lies about his ex-wife - to the point it is downright offensive. He's the more obviously toxic one.
We strongly believe his mother suffers from Munchausen Syndrome - she always speaks in a whisper (until she gets angry, then she yells in a normal voice) and despite going to several doctors, none could find anything medically wrong with her. After her sister was legitimately diagnosed with MS, she began claiming to have lupus. Whenever she would visit us (before we had kids), she would claim to be sick and would spend most of the visit in bed, or in the bathroom for hours. But she never wanted us to take her to the ER, nor were there any measurable signs her health was in jeopardy. There was also the time when her 2nd husband called to ask us what her real date of birth was - when they started dating she had claimed to be 35, but she was actually 50. (That's kind of awesomely bad, actually.) Finally, we figured it out.
Years ago, and before his parents' divorce, his mother opened credit cards in both DH and his brother's SS#s and names without their knowledge, then racked up a bunch of charges for what she later claimed were for Christmas presents for them when they were kids. DH did not learn of all the debt she had racked up until college. It was a nightmare trying to restore his credit.
When we told her we were expecting, she asked for our baby's SS# so she could allegedly open a college savings account for him. When we explained that that information was not available until after a baby was born, and would not at all be necessary, she demanded mine. Obviously, I refused to give it to her. Then she threw a fit about us not finding out the baby's sex until birth, and not sharing the names we picked out - a cascade of classic boundary issues. DH tried to reason with her, she was abusive. Eventually it came to this.
The reactions of his parents' families of origin have been very validating to us. His mother's sister made a point to tell us that no one in the family was in any way judging us for cutting his mother out of our lives - they have known her since she was a child, and they understand what a difficult person she is, perhaps due to some unknown psychological illness. His father's SIL said similar things about his dad's condition - they all get it - and we appreciate that they make an effort to stay in touch.
We're also grateful to my parents, who are much better grandparents than they ever were as parents (and BTW, they weren't bad parents by any stretch of the imagination). They want to see our kids and babysit them so we can take trips together. They ask permission before giving them things we might not approve of - they respect our authority as parents. So wonderful. Our kids have never felt that they're missing out on grandparental love.
I'm sure our choices strike some people as cruel-hearted. In fact, some we've told have felt the need to project their own wishes - "Maybe you'll just decide one day to call them up and forgive them, before it's too late." Well, it's a two-way street, isn't it? This experience has definitely given me a lot more empathy for people who don't have happy, intact families - trust me, they have their reasons.
Tuesday, November 20, 2012
The Petraeus Scandal
Even though this is all arguably about lawful sex between two consenting adults, I'm convinced Petraeus still should have been automatically disqualified as head of the CIA - not for his failure to keep it in his pants though - but for lacking the basic common sense to avoid conducting his affair over Gmail. Holy hell. I get that old guys might not be particularly tech savvy, but come on! Blackmail could have happened. State secrets could have fallen into the wrong hands (insert plot of most recent Bond film here. And since we're on the topic of Bond, I'd like to award Tweet of the Year to @feMOMhist for this one: "Daniel Craig's face looks like a hide. If a female star had that skin she'd be peeled & lasered until her face looked like a newborn's ass").
As for the "real" Petraeus scandal? I absolutely loved Glenn Greenwald's piece in The Guardian: "FBI's abuse of the surveillance state is the real scandal needing investigation":
So all based on a handful of rather unremarkable emails sent to a woman fortunate enough to have a friend at the FBI, the FBI traced all of [Petraeus paramour Paula] Broadwell's physical locations, learned of all the accounts she uses, ended up reading all of her emails, investigated the identity of her anonymous lover (who turned out to be Petraeus), and then possibly read his emails as well. They dug around in all of this without any evidence of any real crime - at most, they had a case of "cyber-harassment" more benign than what regularly appears in my email inbox and that of countless of other people - and, in large part, without the need for any warrant from a court...
But, as unwarranted and invasive as this all is, there is some sweet justice in having the stars of America's national security state destroyed by the very surveillance system which they implemented and over which they preside. As Trevor Timm of the Electronic Frontier Foundation put it this morning: "Who knew the key to stopping the Surveillance State was to just wait until it got so big that it ate itself?"Exactly. Though the most recent brouhaha this week suggests that Broadwell's emails were overtly threatening of Kelley's life... who (besides that jokey, shirtless FBI agent) really knows anyway?
Two other aspects of this scandal are pushing some buttons for me.
First, seeing pictures of Mrs. Holly Petraeus just breaks my heart a little bit. Maybe it's her vulnerability as an older, cheated upon, career-less wife that I'm feeling. I just hate how folks are taking this opportunity to critique her appearance, which, to my eyes, frankly, she appears dignified, refreshingly surgically un-altered, and perfectly age-appropriate. I find the obvious victim-blaming and ageism damn depressing. Nice reminder that women are too often valued only for their sexual attractiveness to men.
Secondly, it disturbed me to see this creepy picture of Ms. Broadwell, presumably taken by the paparazzi from outside, clearly showing her inside the private home of her brother. The obvious invasion of privacy is totally jarring.
Your thoughts?
Friday, November 16, 2012
In Which I'm Asked for Financial Advice
One of my BFF's called me up the other day in tears because she felt frustrated over not having enough money in her bank account to buy herself a $3 pumpkin spiced latte (or something or other - I don't drink coffee). I was shocked.
From all outside appearances, you would never know she and her husband are having financial problems: they drive a BMW, live in a $800k-ish house in a very nice section of a major city, and take an annual family Caribbean vacation. (But see The Millionaire Next Door for a description of the consumer preferences of truly rich folks: tastes running pretty much the exact opposite of my friend's.)
She perceives me as someone to go to for financial advice. Why ask me? Because she knows I'm financially independent now despite my parents never having made more than 6 figures, plus she knows I had some student loans, and I hardly ever buy new, etc. Admittedly, it comes somewhat naturally to me.
I should add that she's blessed with two very caring, very wealthy parents who have given her a lot of cash over the years - they technically own her house and instead of a mortgage, she's paying them back... they also paid for her college, grad school, her lavish 500-person wedding, two new cars for her, and are also funding her two kids' college educations. Now if only I had chosen my parents that well - actually that's my best financial advice right there: choose rich parents!
What can she do to have more money now?
My first piece of advice for my friend: Stop accepting money from your parents. Start managing your own income more effectively.
Yes, the parents are happy to give it, but when you boil it down, it is actually having the effect of making her unhappy. See, I have this little theory about certain ex-rich kids, and I channel a bit of the Warren Buffet in my thinking on this topic. Rich people, please stop giving large sums of money to your kids. It may gratify them in the near term, but their inability to manage that money effectively seems to hurt them in the long term. Pay for their college, then go see your estate lawyer about how to stop being their ATM.
I went to college with a handful of rich kids whose parents constantly gave, gave, gave material things to them. In one case, the guy got $150k cash from his folks at age 22. It was gone in less than a year, thanks in part to his poor marital choices, namely, his ex-wife who spent $18k of it on wedding photos (it literally pains me to type that). Since he's been living in the same city all this time, he could have used that $150k to purchase a 2 bed/2 bath condo in the 1990s, then maybe traded up once or twice pre-2007, and he could be living mortgage-free today in a very nice home. But no.
My second piece of advice for my friend: Fill out new W4's to adjust your tax withholding, so you can stop giving Uncle Sam an interest-free loan.
She and her husband are both employed by corporations. They receive W2's and a large tax refund every year. You never want to get a refund (the concept of the time value of money, anyone?). I told her to gather her most recent tax returns and check out the withholding calculator at Kiplinger's. Then they should each fill out a new IRS Form W4, and submit the forms to their employers. Voila! More money in each paycheck. (But will they have enough to pay their taxes next Spring? hmmm...)
My third piece of advice: Do a quarterly balance sheet. Get to know your own net worth. Understand your cash flow. Then you can set some specific goals.
One goal might be to have at least $1000 in the bank 6 months from now - or whatever amount would make her feel comfortable enough to be able to indulge in her favorite latte once a month.
My fourth piece of advice: Read up on money and investing.
There are a lot of great personal finance books out there, and your local library is the place to get them. Many years ago, I had the good fortune to read The Only Investment Guide You'll Ever Need by Andrew Tobias, and I learned all the basics from it - it made me open a Roth IRA as a teenager (awesome). Other people I respect have loved Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial Independence by Vicki Robin and Joe Dominguez. Oh yes, and I understand there are some fantastic and free blogs out there, too.
Got anything else for my friend?
Monday, September 10, 2012
Wake me up when September ends
Sunday, July 29, 2012
The Childcare Swap
Saturday, July 21, 2012
Don't hate the Mayer, hate the Game, plus the odd Butterly Effect
Monday, July 16, 2012
Is it just me, or are there no good TED talks?
Monday, July 2, 2012
A Happy, State Dept Parent's Response to Slaughter
In conversation after conversation, my colleagues and I puzzled over why Dr. Slaughter's experience had so contrasted with ours. Was it because she had tasted another life, that of an academic who had a level of control over her schedule that we could not even imagine? Was it because she tried out government work while living in a different city from her family?Regardless of why our experiences differed so greatly, I was left thinking not only about my own experience, but about the responsibility we women have to create change by introducing a different environment for the younger, more junior officers -- both male and female -- whether in government or elsewhere. After a stream of officers in the bureau I lead stopped in to tell me that they wished I would weigh in, I decided to add some of my thoughts and experiences to the conversation.