Here’s why I don’t judge anyone’s spending.
My parents interviewed a financial planner when I was a junior in high school.
I remember the two gentlemen showing up at our house one evening in suits and ties.
They sat down at our dining room table and the conversation turned to my parent’s budget.
The experienced advisor got aggressive in persuading my parents to lower their monthly spending on groceries so they could save more.
Now you have to understand my parents are frugal people by nature. They didn’t skimp on my brother or me, but they were already aggressively saving.
My mom felt judged by the advisor and kindly showed him the door.
I heard that story many times through the years, which is why you’ll never hear me give recommendations on where to spend your money.
It’s your money and it’s your call where it goes…
…WITH ONE EXCEPTION…
If I’m NOT financially adulting but can AFFORD to – then I judge.
Sorry, not sorry.
What does that mean?
– Spending more than I’m making
– Not maxing out my 401k and HSA every year
– Not buying the non-negotiable insurance policies because they’re too expensive
– Not having a 6-month emergency fund or using it for discretionary spending
However, if I’m doing all the foundational things right and then I CHOOSE to spend on things others might say are frivolous, then you can’t judge me.
My money. My decisions.
(Nicole said even she tunes out on my finger-wagging content. That said, if you’re reading this I’m fairly certain you’re already financially adulting in which case this should make you feel good about yourself.)
