Before my fifth birthday, my two younger brothers, myself, and my mom were on our own to survive the world. My father wasn't around much, and the divorce only finalized his separation. I never saw him again. My mom never received child support and, at twenty-four years of age, found herself financially insecure with only a high school education and three young kids to support.
Needless to say, the lack of financial security greatly impacted my life and my mindset. I vividly remember my mom being severely stressed and emotional about the lack of money. We were on public assistance, and I learned early on not to mention "welfare" because of the fear of what other people would think. Our shopping entailed going to a second-hand store to pick out a few clothes and occasionally going to K-Mart to put school clothes on layaway. Eating oatmeal in the morning and Campbell's soup, sandwiches, and canned peaches for lunch and dinner was common. I don't remember ever going to bed hungry. When it came to money, we were poor- officially living in poverty. The funny thing, though, is that I never felt poor. I didn't even realize that my family was "poor" until I got much older. I knew that my friends had nice houses and things and talked about vacations to Disneyland. My vocabulary, like rent, landlord, deposit, and eviction, was foreign to my friends. It was a blessing that for most of my childhood that I remember, we lived in only a few places and only had to move with a two-week notice when the landlords decided to sell their property.
I began babysitting when I was around ten and officially when I was fourteen, but I remember doing odds-and-end jobs like picking cherries, string beans, and a newspaper flyer route. My mom was always working right beside us, and we learned the value of hard work.
By the time I was a sixth grader, my mom had finished her schooling and secured a job as a school bus driver. As a bus driver, she was able to have the same schedule as we did regarding holidays, but she always had a second job and a side hustle.
When I began working as a teenager, it was the first time in my life that I had money to buy clothes at the mall. Some of my money went to the family to help pay for bills, but my mom tried hard to give me some independence. There was only one event that was somewhat "traumatizing" for me. My graduating class planned on a Heritage Tours trip back East. We were all extremely excited! For the first time in my life, I would travel to Washington D.C., New York, and many other sites. I don't remember the final cost. I do remember needing a $300 downpayment and working really hard to earn that amount of money. That amount of money was a lot back then. Right before needing to turn in my payment, my mom asked to use that $300 for bills. I was crushed! Although I handed it over to her, I remember sobbing for days. I had sacrificed so much! I wasn't getting any senior pictures or anything for graduation like my friends. There were other sacrifices as well. The only thing that I wanted was to go on this one trip. I wasn't planning on going to college because I could not afford it financially.
To make a long story short, I was able to go on that life-changing trip and go to college because I received a small scholarship and a PELL grant. I'm writing about family money because I'm reflecting on my relationship with money and evaluating where I am today by standing in my truth. This is going to take more than one blog post!
A message and mindset that I learned or developed about money was that I was not worthy of more. I've had the limiting belief that despite learning to work hard, I would never feel financially secure. After all, my career ended up being a teacher. Teachers don't make a competitive salary! I've spent $1,000's of dollars on things for school. I have nothing to show for 30+ years of working other than a lot of "stuff" I'm now giving away. I don't have regrets other than I wish I had been more educated about financial literacy. There is friction and tug and pull as I'm reflecting on finances. I've gladly given to "my kids," and I will still give away. I've always felt I was given God-given talents and that teaching was a calling. My rewards have come in ways that money cannot buy! However, I still recognize that my self-worth has affected my net worth. Suze Orman said, "I am a financial planner, not a psychiatrist, but I do know that your net worth will rise to meet your self-worth only if your self-worth rises to accept what can be yours."
Here, I sit a handful of years away from retirement, admittedly worried about my financial future. Because of President Trump's administration policies, my 401k has tanked. I have a pension and some money saved, but far less than I need. I'm completely out of debt except for my mortgage. That was a recent and huge achievement! But I have dreams of building an addition to my house so that I can take care of myself as I age. It is so EXPENSIVE! Trump's tariff plans are sure to make prices go even higher. I'm trying to change my mindset and beliefs. I am worthy of being financially secure! I am deserving. I have a dream AND a plan of action. I have some side hustle opportunities that will allow my dream to come true. It will take a lot of WORK! But I can do it! I WILL find a way!


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