I am my history.

Just like a great movie, there are books that suck you in because the story line is so intriguing you are curious how it is going to end. It might be a novel, and it might be a memoir that showcases all the shit that happened to someone throughout their life. I am a fan of memoirs. While I read about the author, I learn about myself in the process.

I recently finished reading: “Pieces of My Mother” by Melissa Cistaro. A story about an adult woman who takes you through her childhood years while staying at her mother’s bedside as she dies. A mother who was not present in her life, and yet Cistaro has hope that in her mother’s final hours she will finally grab a glimpse of what she was missing all those years.

“A sitter, who is not our mom, comes to live at our house so our dad can go back to work. And when that sitter gets tired of us, a new one arrives. Everyone says that I am too young to remember what’s happened and that children my age simply don’t remember the details. I can’t blame them for saying that. But I am as quiet as a cat, watching everyone and everything.” Page 5-6

That last line was the kicker for me. I am nowhere near quiet now, but as a kid I would hide and listen. I was quiet when I needed to be. Invisible even. In my house you did not even have to be quiet, there was already a lot of noise. I could sit in my bedroom and through the heat vents hear the fighting and yelling coming from my parents room. They thought by having their door shut, we were not privy to their arguments. While I have never had the best hearing it was not hard to find out what words were passed between them. I knew at those moments when to hide and nestle up with a book. No good was ever going to come from being around after those fights.

My mom would often leave the house and get in the car angry. I was always scared that she would never come home. There was some sort of intuition that grew in me in a young age that her anger made her reckless, not enough to hurt someone else, but just enough to maybe not make the best choice. That never happened, but it did not make me feel any less scared. We knew to just leave my dad alone, or else be the next one that got yelled at that day.

I have at times been teased for being a “starer” but I think that happened because I spent so much of my time watching the world. I watched anything and everything. Trying to make sense of a world that often my parents did not know how to explain to me, either because they were just trying to survive and keep food in the house and the lights and heat on, or because they themselves did not have the answers for me. As with Cistaro, writing was my way of processing the world, and I am still doing it today.

“Like my mom, I write to understand myself and lure the voice inside me out of hiding…I want to set the words free, unearth what has been buried for so long…I had to get the memories and stories down on paper, and if I didn’t this history would be lost or—an even worse thought—repeated. Sometimes all I have is instinctual, obsessive need to put pen to paper—to set fire to something inside me that may or may not save me.” Page 285-286

I too feel that fire. To lure my voice, to find it when it feels lost, to document the memories I sometimes do not know were inside me. I am my history. Without my parents around, my writing is what helps me retrace it.

This shit gets real…

From time to time I write about money. Saving, spending, splurging, and thinking about the future. My childhood and lack of having many things as a child has created a passion inside of me that forces me to make sure that we never have a moment in our life where we have to wonder if there will be food on the table. Chris and I always try to have a back up plan. A Plan A, B, C…Part of the passion I have for living within our means, and saving for the future means that I stay interested in current personal finance trends and different ways of thinking about what you might need to do now to prepare for retirement.

This recent article from LearnVest shows an interesting infographic depicting what giving up a few things can mean for someone thirty years from now. If you scroll down to the middle of the page you will see an image of a pack of gum, with the description that if you cut back on a $2 pack of gum a week you would have $16,652 more for retirement. A $10 glass of wine on the weekend would be to the tune of $83,260 at retirement. The last one is mind-blowing (Chris are you reading this)? If you cut back $100 of your cable bill per month it would be $832,597 at retirement. It makes you think, right?

Thinking about retirement at 20, 25, 30, 35 and up is a very real and crucial aspect of our life. Often though we are barely paying our bills or student loans in our 20’s to 30’s and so retirement is the last thing on our list. I can imagine that many of us could cut back on paying $100 on cable each month, or get rid of it entirely. There are so many online options for entertainment. Regardless of what “thing” you could cut back (or eliminate) from a material consumption standpoint, the key is really to make a focused effort to think about what and how you are preparing for retirement. Have you thought about it? Will you be able to support yourself when you retire? Long gone are the days when your company supported you after you retire. These days a 401(k), IRA, and other options are the basic ways we kickstart our path towards retirement.

While retirement, saving money, and cutting back is not the most glamorous of topics, in 10, 20, or 30 years you may just realize how much you will need to put away each year for retirement and how much time you have lost. A good reminder that pertaining to money: this shit gets real… fast.