Category Archives: Hope

Things I Wish I Had Done When I Was Younger: Reprise

Dreamscape of sailboat crossing a body of water reflecting clouds, the night sky and the Milky Way.

Back in 2019, I wrote a reflective piece about all the things I would do if I was younger. If I had less responsibility in my life. I honestly forgot I had written it.

It read a bit morose.

My goal was to encourage young women to go do all the things while they were young. To take on every opportunity. As a woman who had felt so much obligation and responsibility in her youth, I hoped just one person would read it and take control of their own priorities before the ‘heavier’ responsibilities of later adulthood kicked in.

Reprise: You Are Never Too Old

Stumbling upon this piece again was quite the surprise. In the years that followed, we’d all live through an exhausting course of ‘unprecedented’ events. For me, these events served as a catalyst. Things got really difficult during the early pandemic years, but I harnessed those difficulties to achieve impossible things – financially and otherwise. Eventually, after some time of struggle, hope showed up again. My story was rewritten.

As I sit here seven years later, my life looks completely different than it did in 2019. Don’t get me wrong – 2019 wasn’t necessarily all doom and gloom.

But relying on the ghosts of my own words, I had a lot of unfulfilled dreams. Apparently, I also felt the very real weight of my responsibilities meant that these dreams were lost to me. My nontraditional path in life left me feeling some remorse for opportunities that had skipped me over.

Apparently.

As I reread these words, I was shocked to see that many of the things that I had on my 2019 list – that list I had forgotten about with the passage of the million words I had written since – had come true. In one way or another.

Seven years later, I have received opportunities to newly study things that excite me. To contribute to the world in new realms. To see places I had only dreamed of.

In that spirit, I’m rewriting this piece with a new message. Not to younger women, but to women of any age:

You are never too old.

White Whales & Albatrosses

The me of 2019 had accepted certain limitations on my life. My plate was full, and I was grateful for the abundance – if not exhausted by certain aspects of it at times. There simply wasn’t any give for the things I thought were reserved for the young.

Goodness gracious, my plate got fuller when the world shut down. Much as so many other women, I became the embodiment of the safety net my country was lacking. I wasn’t happy about it. But I did learn that I was capable of handling more.

If I was to handle more, then, why not attempt to restructure my life in radical ways? So that the ‘more’ was actually serving me rather than crushing me?

It was this act of allowing myself to imagine radical change that enabled everything that came next. I was no longer putting limitations on myself because I thought certain aspects of life had simply passed me by. My age was no longer an albatross. My dreams no longer a white whale.

No matter your age, no matter your responsibilities, this act of imagining is hopeful. Things don’t always turn out exactly how we dream them. They don’t always happen exactly when we want them to.

I am, afterall, sitting here seven whole years later. None of this happened overnight.

But, with the support of others, it did happen.

Along the way, I’ve had the privilege of meeting other women who have made radical shifts well into their lives’ journeys. They’ve set goals and not let anything stop them from achieving success – least of all their age.

Which makes me think that my experience isn’t an isolated phenomenon. Starting something new can be intimidating. There will be financials to figure out. But if it’s something you truly want for yourself and those around you, you are never too old.

Relearning Old Lessons

If I dig back further into the archives of my writing, I realize that this is not the first time I’ve learned this lesson. One of the first reflective pieces I wrote was on this very topic. It’s one that got audiences talking, and helped cement this writing thing into a career.

THE PIECE: Regrets In Life

We are never too old to reach for new dreams. But we are also never too old to learn the same lesson twice.

Voicing Your Needs Helps Your Finances & Your Health

As we make our way through the world, many learn that when they muster up the courage to request what they need, they’ll be met with crickets — or worse, with extreme resistance.

While this can be true in interpersonal relationships, I think even in those interpersonal spheres, the phenomenon is informed and even enforced by the larger systems that surround us.

When you run into these roadblocks often enough, you eventually start to think it’s easier to do everything on your own. To not be that guy who asks for an assist. To not rock the boat.

This experience is particularly common for women, likely because of the cultural norms around gender which we’ve absorbed over the course of our lifetimes. For women in particular, we know that this self-silencing type of behavior can negatively impact not just our financial or mental health, but our physical health to boot.

It can feel overwhelming to express ourselves. Awkward to adjust to being anything other than a vessel of sustenance for others. But the more you at least give it a shot, the more likely it is that voicing your needs will improve your well-being.

Self-silencing can limit your ability to take care of yourself

Failing to express your needs not only cuts you off from the assistance of others. It can also hamper your ability to provide for yourself.

Here’s an example from Lessons in Chemistry:

We’ll put the conflicts of fame versus personal life aside for a moment, and focus solely on the sister’s raise.

The sister probably needed a raise. But a lifetime of conditioning led her to believe that if she
went to her boss, she’d experience a negative outcome.

Now, systemically, we know that her fear was justified. Women ask for raises just as often as men, but they’re rejected 25% more often. And these stats are relatively recent  — we can assume they’re better than when the show was set in the 1950s.

The sister probably had visceral, like experiences in the past. The threat of negative consequences for voicing her needs was real.

TIP: It turns out women have to request a raise differently to accommodate gender norms – but that’s a conversation for another time.

The thing is…if you don’t ask, you’re definitely not going to get it. She likely needed that money
to care for herself and/or her family. Had she continued to let that neurochemical reaction rule,
she wouldn’t have been able to accomplish that task. The risk was necessary.

While the anxiety was there for a reason, she had to push through it. Because what she needed
was on the other side.

It’s okay to pause in fear. But try not to freeze.

In A Healthy State of Panic,’ Farnoosh Torabi delves deeper into this topic, encouraging us to
have a conversation with our fear or anxiety. She notes that when fear pops up, there might be
something you need to do before moving forward. Something you need to prepare or reflect on
before taking further action.

Let’s extend our analogy of the waitress’ sister. To get her raise, she might need to get a pulse on what the industry was currently paying for her role. Perhaps before she burst through the door of her boss’s office, she needed to make a list of her accomplishments and contributions to the organization to justify her ask.

Maybe she needed to brainstorm some things she really appreciated about the company or
management’s leadership, so she could cushion her asks between flattery.

All of these would be smart moves before requesting a raise as a woman. But if the fear hadn’t
been there to make her pause, she might have skipped over them.

That’s not to say fear should freeze you – stop you from moving forward until you’ve reached
some unobtainable level of perfectionism. That’s by no means Torabi’s conceit.

But when you take a second to pause and ask what you might need to do to feel less anxious
before moving forward, you can find some valuable information.

RECOMMENDED READING

The the wall of anxiety

You don’t have to be a lady to feel fear about expressing your needs. We all come across
instances in our lives that cause us to stop in our tracks. A wall of anxiety that prevents us from
moving forward. That tells us it’s easier to deny ourselves a voice than to push through to the
other side.

But what’s on the other side of that wall? From here, it looks a whole lot like getting your basic
needs met.

Addressing and then pushing through the discomfort can be beneficial for your financial life. Your mental health. Your physical health. Be sure to be respectful of the ‘no’s you hear along
the way, but don’t give up hope that you’ll eventually hear a “yes” — if you ask the right person.

Because here’s the thing: Believe it or not, there are people out there who actually do want to help you. Depending on where you work, your boss might not always be super excited to dig into the coffers to give you a raise, but your friends and neighbors are another story.

People are likely to help you – but only if you ask.

We all need help to get through this thing called life. Yet often, we’re afraid to ask for it. We
wonder why people don’t just offer it spontaneously – especially when they can clearly see that
you’re fighting an uphill battle.

And the answer is…it’s complicated. Sometimes people are self-interested and oblivious.
There’s no way around that. But even for the would-be helpers, there’s a lot of social norms to
navigate.

If you remind that new mother you can babysit or go grocery shopping for her after she hasn’t
taken you up on your first offer, are you being too pushy?

If you give money to someone who is struggling to get back on their feet, will they take it as an
insult to their dignity?

It can be embarrassing to ask for help, but many times, people just don’t know what you need
from them, and it feels too invasive to try and guess. When you can identify your needs and
make a clear ask, they’re actually way more likely to help than you give them credit for.

It’s a phenomenon that has been studied and affirmed by social psychologists.

You won’t hear ‘yes’ 100% of the time. But that’s still more helpful than the effective ‘no’
you’re left with when you don’t put yourself out there. The ‘no’s may also inform you of where there are imbalanced relationships in your life in some circumstances.

Plus every time one of those ‘yes’s rolls through, it will build your faith in humanity a little
stronger. It’s like building a muscle – the more you do it, the easier it gets.

Gratitude Journal: A Year in Review

White kitten walking on a fence with the sun shining ahead of her head

It’s about that time, friends.

One year is closing. Another is opening.

I promised I’d update you all on my gratitude journal practices for the year. I added some new columns. Implemented some new routines.

And I’m happy to let you know how 2025 went.

Join me and get started with your own gratitude journal.

We’re all just walking each other home.

As each year closes, I make some type of art project with my gratitude journal. I’ve referred to it before as a “reverse vision board.”

Typically, I use the most common or most exciting words from my journal, transforming the written text into some type of image with letters and sentences.

This year, I did something a little different. I gathered up a bunch of images and printed out physical photos. Analog is the new digital, afterall.

I started out by using this pattern, but I had ordered a whole ton of photos. I ended up adjusting the pattern to make it bigger:

These images embodied magical moments found in the text of my gratitude journal. They displayed people and places I was grateful towards. They represented joy and opportunities I don’t want to forget.

While in most years, the text evokes an image, this year the images evoked a words. As I stood back and took in the finished product, a phrase washed over me. The Ram Dass quote:

We’re all just walking each other home.

I am supremely grateful for the ways in which people have shown up for me in love and compassion. I feel at most peace in the moments where I do the same for others.

Moving into 2026, I think this quote may be my guiding force. I think it would be beautiful if we all acted in a way that ensured the safety, peace and protection of others as we walk through this thing called life together. In moments of overwhelm, I’ll do my best to pause and ensure this is the place I’m acting from. To allow gratitude to produce more of itself.

The Things I Wanted

cartoon of a tired woman sprawled out sleeping on a chair. Image of a Gratitude Journal for Women of a Certain Age femmefrugality.com

One of the new-ish columns I promised to update you on was the ‘I want…’ column. The idea was to see if writing these things down produced results, either through reinforcement or magical manifestation.

Learn more about the structure of my gratitude journal.

Overall, I wrote down about 30 unique things I wanted through the year. Sometimes I phrased each ‘thing’ differently, but they all fit into 30 distinct categories. Obviously a lot of them were repeats.

Of these 30 things, here are the results at the end of 2025:

  • Twelve of the things I wanted definitively came true.
  • Eight of the things I wanted definitively did not.
  • I have five things tallied as “not yet.” I’m staying optimistic that they’re in my future. The door isn’t closed. They just haven’t shown up yet at the time of writing.
  • I had two opportunities for one of my ‘wants’ this year. Once I succeeded. Once I failed. So it’s a half-and-half outcome on that one.
  • Four of the wants I wanted were impossible, and not in the ‘you should still swing for it‘ type of way. Things like perpetual health and happiness for the people I love. I can’t put them in the ‘yes’ or ‘no’ column, as these things ebb and flow as a part of the human condition. But I am extremely grateful for every time they swung into the ‘yes’ area — even if they can’t be perpetual.

So overall? I’d call this experiment a success. Miraculous outcomes on a lot of fronts. The want column stays.

It was interesting because some of these things I had completely forgotten writing down in this wish-like column. To see that they had been fulfilled was pretty amazing.

But for most of them, I was an active participant.

Lessons from wanting

There were two big lessons I took away from this exercise this year. One I have had experiential  knowledge of for a long time:

If you want something, you’ve got to show up and try.

Some of these things I wanted were very big, very difficult things. It would have been super easy to write them off as unachievable.

Yet when I showed up, opportunity opened. Not every time — there were still eight hard ‘no’s. We can’t always get what we want.

But there’s no way I would have gotten to 12 in the ‘yes’ column without acting on the dream. Sometimes they happened in ways I had foreseen. Other times, my actions led to windows opening in ways I couldn’t have imagined.

Manifestation may happen every once in a while happenstancely, but by-and-large getting the things I wanted required me to participate. To try. Even when the outcome wasn’t assured.

The other lesson is something that I wrote in a paid-subscriber newsletter back in the day. I may publish it here in the coming weeks. UPDATE: It has been published.

I’ve known it to be true for quite some time, but in 2025, it showed up in a magnitude I don’t know that I’ve experienced before.

It is this:

Trust that if you ask, people will show up.

I recently talked on the Vibe with Ky podcast about how in the past, I’ve been reluctant to ask for help. It’s something I’ve been working on. In 2025, I expressed my needs (and wants) to others in a way I don’t think I have in the past. I plowed through the shame and guilt — which we shouldn’t feel when voicing such things, but we often do.

Wouldn’t you know it?

People showed up in big ways.

Ways I couldn’t have imagined. Ways I’ll remember for the rest of my life.

So while a part of getting the things I wanted or needed in 2025 was showing up myself, it was also made possible by the strong village of people behind me. We are not alone in this world.

We are all just walking each other home.

The ‘No’ column

My ‘no’ column was sparse. I didn’t want to focus on the negative, so I didn’t write down three things a day.

I think this was the right move.

See how the ‘no’ section is structured here.

However, it wasn’t as successful as the other three columns in my gratitude journal.

A big part of that is that a lot of the things I want to say ‘no’ to are necessary parts of daily life.

Like dealing with telecom companies, for example.

Nightmare every time.

Get it out of my life.

Please.

But alas, in 2025, I still needed the internet to function. As much as I wish I could remove myself, it’s something I have to engage with.

Another part of it is that I need to work this muscle more. There were a few things I wanted to eject from my life that weren’t absolute necessities. I made some progress in this rite, but I could stand to make some more.

I don’t think the solution is to up it to three line items daily. But I do think I need to flip to the back of the book and remind myself why things are in this ‘no’ column more often.

Happy 2026

I don’t want to sugarcoat things. There were difficult moments this year. Seasons of profound loss. Transitions I went into kicking and screaming.

Life is never static. There is no mountain peak where everything is perfect.

But in this imperfect experience we call life, we do have the power to write (and rewrite) our own narratives. To use those narratives towards empowerment — financial or otherwise. Even if the world around us feels bleak at times.

Over the years, this has been a really helpful exercise to help me do just that. If you’d like to engage in it, too, here’s where you can get a copy of your own gratitude journal for the year ahead.

Wishing you and yours a beautiful, peaceful 2026. And if it is none of those things, I hope you at least get 12 of the 30 things you want amidst all the mess.

Living in Love: Help Tiffany Rebuild the West End of Negril

A few months ago, we talked about the greatest act of resistance in the face of everything happening in the world is to actively love out loud — to build community.

Today, I wanted to bring a little good news to your algorithm. I want to share a story of how one member of the money community is doing just that — and how you can support her as she does.

Rebuilding the West End of Negril After Hurricane Melissa


In May of 2024, our friend Tiffany Grant of Money Talk with Tiff moved to Jamaica in pursuit of better mental health, physical health and community. She found all those things in the West End of Negril, a community of fellow entrepreneurs.

On October 28, 2025, Hurricane Melissa hit Jamaica. It was the most powerful storm to ever impact the country, and the devastation was severe.

While there are aid efforts in Jamaica, there are certain parts of the island that are less likely to see the results of that funding. The West End is one of them. Tiffany is okay, but she saw her neighbors suffering. She decided to do something about it.

In the time since the storm, she started a GoFundMe campaign, originally intending to use the funding to rebuild structures the storm destroyed. While some of the money has gone to the physical rebuild, as she worked on the ground she saw that the most pressing and immediate need was food. While rebuilding and getting back to business as usual is the long-term goal, no one can do that on an empty stomach.

So for the past couple of weeks, 100% of the funding has gone to feeding the community, often purchasing the food from local farmers and small business owners. That means it’s supporting the community on both sides of the equation. Much of the food has been delivered by Tiffany herself, but she has also enlisted the help of others as the need is so great.

The total goal is to raise $10,000USD, which is the equivalent of about $1.5 million in Jamaican dollars. So far, she’s raised over a quarter of the funding goal. The need has been so immense that Tiffany has put her own entrepreneurial efforts on hold, dedicating her time to the effort instead.

Support Tiffany

Tiffany is the living embodiment of love in this moment. If you have the means to support her efforts, you can contribute to the GoFundMe campaign here. No dollar amount is too small, and because you’re donating in USD, know that even your “small” donations go a good bit further thanks to currency conversion rates.

As you get ready to celebrate the upcoming holidays with your own familial meals, this is an opportunity to know that you’re supporting another family as they sit down for a good meal — maybe the first one they’ve had in days.

What Makes Us Strong?

The world feels topsy-turvy, friends.

It’s been this way for a while. When I started coming out of my pandemic isolation, I noticed it on faces. Faces of people who used to be cheery, eternal optimists, now followed around by a brooding cloud.

I heard it in words. Words of people who used to take on the mantle of fighting for others, now overly concerned with their own perceived, and often imaginary, victimhood.

Something about the past five years has broken us collectively. Perhaps everything about the past several years has prompted this dark eminence.

The thing is, I don’t think we’re all so very far apart on what we’re upset about. You look at both sides of the coin, and you see people upset about what is essentially late-stage capitalism. The conversations start out the same, but they end in alarmingly disparate locations. The way we’re choosing to express our discontent and values spans an ever-widening divide.

When the divide gets that wide, that’s when we see the type of power that is being exercised in the world around us thrive. It’s not a forgone conclusion that capitalism ends in this place, but during times of strong discontent and strong division, capitalism and this particular expression of power tend to serve one another. It’s a pattern which is repeatable. Study-able.

It’s an expression of power that wants to pit us against each other. That wants us to see the world through a lens clouded with despair. That’s where action gets frozen. That’s where humanity becomes obscured.

Despair is an appropriate human reaction in the face of so much heaviness. It’s not that it’s ‘wrong’ to feel this way.

As I find myself confronted with all the bad news in the world all at all hours of the day thanks to my little pocket screen, I feel overwhelmed. I wonder what way forward can possibly be pursued.

And then I remember the most powerful thing in the world.

Love so powerful it scared the gods

Cover of Sacha Coward's book, Queer as Folklore

I’ve been reading this book lately. It’s an interesting read, framing stories I’ve heard a million times before through a new lens.

In it, Coward recounts a story told by Aristophanes vicariously through Plato. It was a satirical tale, prompted by drink, but nonetheless powerful. Please forgive my necessarily truncated retelling.

In it, Aristophanes poses that in the long-ago past, humans were quite literally connected to each other. At the head and at the belly button. We had four arms and four legs. Some of us were connected to a person of the same gender, while others were connected to a person of the opposite gender.

Eventually, the gods decided we were too powerful in this form. They separated us from our other half to reduce our power. While Coward doesn’t pose this, a younger version of myself reading the same story picked up that this drunkenly-narrated tale was the origin of the idea of “soul mates.” Ever after, we were destined to roam miserably, until we found our other half and became whole.

I could go on with analyses from different angles. But my most recent encounter with this story  is charged heavily by Coward’s summation:

It is clear that the love between a man and a woman, a man and a man, and a woman and a woman are all given equal weight and validity. The gods split the original celestial beings apart because they were too powerful, implying that the love between two humans, irrespective of gender, is also equally powerful.

The thing that made us strong as human beings? That made the gods quake in their boots?

It was our love for one another.

Types of love

The Aristophanes story hinges around this idea of romantic love. But there are many types of love humans have the capacity to feel and express. If we are to limit ourselves to a few types of love humans feel for one another we span:

  • Familial love. Whether for our children, parents, siblings, extended or chosen family members.
  • Companionate love. Which can be found in romantic relationships, but can also be felt in deep friendships or amongst neighbors. Anywhere there exists intimacy and mutual care based on shared experience, we can find this type of love.
  • Compassionate love. Which doesn’t necessarily require intimacy or family ties, but rather gives support from a place of empathy towards other human beings without expecting anything in return.
  • Self-love. Because you, too, are a human you are allowed to feel love towards.

The path of most resistance

Knowing love or the hope of knowing love is the anchor that keeps us from falling into that sea of despair.

~bell hooks, All About Love: New Visions

I didn’t necessarily need to be reminded of Aristophanes to know that love is the most powerful form of resistance.

To know that when the world expects us to show up in violence and despair, showing up in love is the true call.

For I have read bell hooks.

I do not profess to be the most expert reader of her work, but I do think that’s the assignment in this moment: to read more bell hooks.

This particular moment of struggle is an extension of the topics she wrote about. For these systems are not new, although they may have evolved in expression. All About Love is a tome explicitly dedicated to the topic, but any work from her library is appropriate.

Applying love in the real world

Love is not just a feeling. To be fully realized, it has to be an action.

In this moment where the goal is despair, where hyperindividualism and personal economic concern are the guiding philosophies, showing up in love can be the salve.

What does it look like to show up?

Love can, sometimes, prompt us to perform Herculean feats. A mother lifting a car to save her children is the trope. That is certainly one way to go about it.

But love, when exercised en masse, can look like a million small actions that all add up to change the world.

Have you heard the bad news?

I think one of the first steps may be logging off of social media for a while or turning the notifications off on your phone so you’re not constantly plunged into a sea of despair. It’s one thing to be informed — it’s another to be overwhelmed and immobilized.

The well we draw upon

During that time away, purposefully fill your own well. Fill it with joy. Maybe that’s moments with your family or friends. Maybe that’s reading a good book like All About Love. Perhaps it means taking a moment to bask in some awe. Whatever it is for you, we act from love best when our nervous systems are regulated.

Building strength through acts of love

Once you’ve got enough in your well, the next step is to show up.

Show up for the people you profess love for.

Consistently.

Sometimes it’ll be fun.

Sometimes it will require emotional labor.

With the proliferation of therapy-speak outside of therapy sessions the past few years, I think we sometimes think emotional labor is inherently bad. But when it’s exercised reciprocally over time, it’s an exercise of love. Emotional labor doesn’t have to mean solving other people’s problems for them. It doesn’t mean saying the right words that will magically solve all the world’s woes.

It can simply mean bearing witness. Sitting in the discomfort. Letting people know they’re seen and valued, even while they’re struggling.

Show up in community. 

If isolation is the goal, community is the salve. Some of us will do that in our current social circles as outlined in the previous point. Some of us will attempt to address these larger problems. Just remember that the goal is to solve them together, not as a singular person trying to save the entire world. For one, there’s burnout. And for another, taking on all the leadership in an attempt to be the savior has a tendency to lead towards…saviorism.

And, yes, show up with your money.

If you have the financial resources, helping others with them is key when the systems around us will not. I’ve long been a believer that mutual aid or direct giving are more powerful tools than donating to a charity to get a tax break. When you engage in these practices, you’re not doing it out of self-interest. You’re not forcing people to fill out paperwork. To prove their worthiness to a 501(c)3 in order to compete for the limited help. For the full dignity they deserve.

I am not saying all charities are bad or that you should never give them money. Rather, consider the people in your immediate circle and the impact your direct giving may have as an equally valid means of support.

Some of us won’t have those financial resources. That’s okay. There are still ways to connect with community and organize with others to share resources — whether they be financial or otherwise. If you want some inspiration, or are looking for a way to contribute with your time or non-monetary goods, check out this growing project my friend in Fredericksburg launched in February.

And when you need help, asking for it is the first step. You’d be surprised by who shows up.