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She fell behind. She didn’t beat herself up.

She was exhausted. A client. Just back from a hard trip overseas to see her mother. Batteries low. The kind of tired that doesn’t go away with sleep. Or coffee. Or a weekend. She told me she’d fallen behind on her numbers. The spreadsheet she usually keeps up with? Untouched. The tracking? Slipped. A few years ago, that would’ve sent...

$70,000 by seventeen

She saved $70,000 by the time she was 17. I’ll say that again. Seventy thousand dollars. Age seventeen. No trust fund. No inheritance. Just a kid who saved. It was instinctive. Easy. The way some people are naturally athletic or can carry a tune without thinking about it — she could save money without it feeling like a sacrifice. She...

the TSN turning point

When I was a kid in Toronto, we watched hockey on TSN. And whenever the game shifted — the moment everything changed — the announcer would call it the TSN Turning Point. We all knew the phrase. My friends and I used it constantly. Something would happen at school, at home, on the street, and someone would say, “That’s the...

30 seconds

Transitions are torture for me. Finishing one task and starting another? It sounds simple. It’s not. At least not for me. My wife can attest. Years ago, when our daughter was little, we were driving home close to bedtime. My wife turned around and said, “Okay, just so you know — we’re heading home, then supper, then bath, then bed.”...

she never told her parents

Kari’s clutch blew out on the way to Colorado. It was 2017. Starting over. Moving to a new state. And somewhere on the highway, her Subaru gave up. She burned through her savings to fix it. Then a boyfriend talked her into living way beyond their means — and funding his business venture. (She got rid of him eventually.) By...