There are highs and lows in life. Few people ever get to a good place without trudging through a bog of bad times first, and 90% of that fight is your attitude. You gotta look forward to the goal, keep it ever present in mind. There’s one piece of advice my dad handed down to me that stuck, and I’ll pass it on to anyone who reads this, especially if you’re a young adult: your 20’s should suck. You’ll probably have to live on a shoestring budget, passing up on most, if not all, of your wants just to make ends meet. But if you budget well, put in the time and effort, and with a little luck, you’ll get into your 30’s and 40’s with a sound financial base and finally be able to treat yourself. That’s how I’ve lived the eight years since I turned 20, and it’s looking to finally pay off!
2018 was a year full of ups and downs. For the ups, my wife and I welcomed our second child into the world, and we were able to buy a house! For the downs, I had to work 60-70 hours a week between two jobs just to get by, and we still racked up several thousand dollars worth of credit card debt. We had much to be thankful for, but we were also barely treading water.
But 2019 has seen a much more positive beat for my family! My novel, a work 6 years in the making, finally got published and has been doing decently well in sales! I got a solid promotion at one of my jobs that allowed me to quit the other one, and it even came with a host of benefits that lightened our monthly financial load. It’s a great job, the kind of thing I’ve been wanting to do for a long time now, and I get more time at home with my family. Our 5 year old graduated Kindergarten and our 1 year old is happy and healthy. We paid off that credit card debt, and are now able to sock away extra money each paycheck.