It’s been such a blessing to have you along on this journey to financial freedom with me. If you’ve been following along since I started writing to you last year, we’ve talked about so much already. Since August 2020, here in Making Cents, we’ve talked about things like, saving for emergencies, getting out of debt, saving for retirement, budgeting, speaking up, and even saying what’s on your mind to the people who matter most. Talking about these things that affect each and every single one of us has been so fulfilling. And I want you to know that I learn something new each time. So, over the next few weeks and months to come, there is so much I still have to share with you about how to live a life of financial freedom. But today, I just want to share about something more important… Money Comes and Goes Working as a financial coach, it’s fun to learn the ins and outs of money. How to be wise with it… how (and when) to save it… how (and where) to multiply it… how to control it—and not the other way around. I get excited about sharing the things I learn with others and setting a plan in action. I get encouraged when I hear about people getting out of debt. And I get hopeful when those I know say they’re making real changes in their life. With all that, it’s hard not to be focused on getting out of debt and living a life of financial freedom. But one thing’s for sure: Money comes and money goes. Yes, it’s important to save for a rainy day. Yes, it’s important to invest. Yes, it’s important to cut back where you can. And yes, it’s important to get out—and stay out—of debt. But the money we’ve lost by the mistakes we’ve made in the past can be remade. You can’t say the same for the more important things in life. What Matters to You? When we lose the people we love, there is no bringing them back. I don’t mean to make this a somber moment. But last week, down in Surfside, Fla., which is a town in the Miami area, not more than an hour away from where I live, there was a partial building collapse. Many are devastated. Either because they are fighting for their life, or have been severely injured… Or, they’ve received news that someone they love has passed away, or because they’re preparing for the worst. In an instant… things change. Life tomorrow is not promised to anyone. I know you’re excited to get out of debt, to save for a house, to live a new life, etc. But remember what—and who—is really important to you. Don’t get too focused on your personal goals, that you push what really matters in life to the wayside. If there’s anyone you need to tell “I love you,” tell that person now. Don’t wait for the perfect time. Say the things you need to say as soon as they come to your mind. Because your words matter. They matter to the people around you. And they need to hear them. Even though we all have important goals and dreams, friendships are important. Family is important. Love is important. So, what—and who—matters to you? After you think of your answer to this question, stop for a moment and think about how you can make that a priority in your life right now. And move that to the top of your list.
With gratitude,
Melody C. Kerr, MS
Writer, Editor, Financial Coach
