Before 2016, my financial situation was a hot mess, and when I say a hot mess, I mean a HOT A$$ mess!
It was like I was canoeing up $hit’s creek without a paddle or a plan, just floating along my merry way until I hit $hit rapids!
For instance, instead of tackling debt, I thought it would be a better idea to drop a couple thousand on a volunteer trip to Sri Lanka with a group of friends. For whatever reason, I was able to come up with the cash to fund a trip to the other side of the world but at home was barely making the minimum payments towards my debt. Better yet, I also thought not rolling over my 401k from my previous employer and getting taxed on the cash because I needed the money, was a genius idea. And by need, I mean, I needed cash to go out to bars in NYC, pay for cabs, and pretend like I had my $hit together in front of my friends. [Read more…]