Was there an anticipation for you to take part in university formation? Did you take part in a form of university formation? If so, how did you pay for it?
During my childhood, the expectation of going to college came exclusively from me. My success in school (former gifted child, Iykyk), together with the fact that I would be the first person in my whole family to go to college immediately and expanded, be classified in a perceived “requirement” to do well enough to accept and complete. My parents were encouraging in my academic ambitions, but nobody had gone on the college and they did not put me too much under pressure. My parents did not save for my college either and they were not in a financial position to pay, so I not only had the imaginary pressure to get to college, but I also had to find a way to pay for it myself. I was able to summarize enough scholarships to get a free trip at a public school outside the state, where I received two Bachelor’s degrees in four years. A few years later, I decided to use my career ambitions for financing (my studies are both degrees for free arts and I originally wanted to go to social work), and I got a master in finance. I recorded about 50,000 US dollars in student loans to pay for it and I paid out the loans in 2019.
What conversations did you have about money? Did you transfer your parents about finance?
My father was in the military, so we were aware of a lot of what the fights with which my parents were financially confronted, at least in my view. After my father retired and we were back to my parents’ home state, I was in the high school and old enough to be a sound board for the frustrations and fears of my mother with money, which was an eye opening. My parents grew up arm and tended to spend everything and do not save anything, which meant that unexpected bills would differ among them. My mother wanted to save money, but my father liked to spend as much as he did, which caused a lot of struggles and stress. I only learned financial competence, through reading and my parents as an example of what was not to be done. They are doing better now, but my father wants to retire and they have no savings.
What was your first job and why did you get it?
When I was 12 years old, I am baby crowd for some of the people with whom my father had worked for change of pocket. When I became 14, I was able to get my first part -time job in a bakery in the summer. At 15 I moved to the one fast food chain in my hometown, where I worked part-time during the school year and in summer until the college. I also worked full-time in college in the same fast food chain, only in a different state.
Have you worried about money that grew up?
I didn’t worry about money until I was in the high school and my mother started to open me how bad things were. However, when I looked back on the way when I was younger, I had to unconsciously knew that things weren’t so great because I knew that I shouldn’t ask for extras. We never went on vacation (our holidays/trips were per military command). We never left without eating. When I was on the college, my father suddenly quit his job and I had to help my mother with her mortgage and food for my brother and sister; For about six months I sent my mother 500 US dollars a month and worked additional layers (and cumulative credit card debt) to pay for it.
Are you worried about money now?
All the time. My husband M. and I worked very hard to get to the position we are now, but I don’t think I know financial peace, even though our only fault is our mortgage and we have healthy savings. I was the nutrition in our marriage since my husband left the military in 2022, and although I don’t mind earning most of the money, I have a lot of stress, the only one who is used, especially with the labor market as it is. M. will be carried out with his program next spring, and his program has an outstanding success record of almost 100% job placement with starting positions around 80,000 US dollars. I would like to think if he has introduced himself to his new career, I will be able to leave out the breath that I have been holding in recent years, but I know that my brain will simply move the goal position and I will fix myself on something else.
At what age do you become responsible for yourself financially and do you have a financial security network?
I became financially independent when I moved out of the state for college at the age of 18. If M. and I ever found in bad financial streets, we would always have a place to spend the night in my parents or M., but neither the family side has the money to help cheaply, nor would we ask them to do so.
Do you have or have you ever received a passive or inherited income? If so, please explain.
No, both for me and for my husband.