Before we started the apartment hunting process, I was warned by many people that this would be a costly endeavor. Sure, I can handle the financial aspects of the move, I mean I have been saving for this, right? What no one told me was that there was an emotional component to it. One that could affect my mental health.
The holidays can be a stressful time of year. From buying gifts at crowded malls with angry parking lot drivers to visiting extended family / your significant other’s family. From sweating in the kitchen preparing your signature dessert to feeling the pressure to give good gifts because you have a well-paying full-time job.
“You’re being so smart. Don’t move out until you have enough for a mortgage!”
“You’re so lucky to have parents’ that live so close.”
“Oh my, I’d have all debts paid off I lived with my parents!”
Well, most of the time I strongly agree with these statements. I mean, let’s be real, moving back in with your parents isn’t so bad when they live in the suburbs of a major metropolitan city, there’s public transportation only a few steps away, and they love and accept you.
But now that summer is officially over and traffic is back to miserable, my commute is getting the best of me. My patience is running out and I have never been more ready to GTFO. Time is money, so why am I okay justifying a two-hour commute for my savings?
This question always generates an eye-roll from Ari because I ask him and myself it all the time. With all the life goals I have — road trip across the US, pay off student loans, make a movie, move into a Brooklyn apartment with Ari, fully fund my “Freedom To Choose” account, become a CFP, buy a home in the suburbs — it’s been hard to pinpoint where I want to be next month, year or five years.
All these goals require cash but can I save for all of them at the same time? Sureeee, except it will definitely be a while before I reach them. Instead, I need to focus on those that are of most importance. Because let’s be real, my road trip across the US will be more enjoyable if I have a safety net and ZERO debt.