A Lawyer and Her Money: Financial Freedom for Female Lawyers Blog

regret spending too little

Can You Save Too Much Money?

My parents are immigrants so thrift is deeply ingrained in me. I paid down my debt as quickly as I could, I spend as little as possible, and I save the rest. Pinching pennies in my 20s and living a zero waste, one-meal-a-day lifestyle means...

your time is precious - please waste more of it

Why I Love Wasting My Precious Time

Between reading Die with Zero and attending my first death cafe, I’ve been thinking a lot about death lately. And it’s not necessarily morbid (i.e. an obsession with death) because it changes how I think about my life. I’ve always been skeptical of big cities,...

emergency fund for fun

Can You Use Your Emergency Fund for Emergency Fun?

Personal finance books and articles are always my source for post ideas. Mostly it’s because I disagree, with their advice. Consider the following tweet: What counts as an emergency? According to Vanguard, an emergency fund is a stash of money set aside to cover the...

most controversial personal finance advice

My Most Controversial Financial Advice

I started this blog in part because I thought internet financial advice was wrong or outdated or at least incomplete because it didn’t apply to someone like me. And without necessarily meaning to, my most controversial posts are the most popular because there isn’t much...

wandering path to dream job

The Wandering Path to a Dream Job

A popular quote these days is “Not all who wander are lost.” To me, this is strange because if you’re wandering, you can’t be lost. You have to have a destination in order to be lost and if you’re wandering, your destination is wherever you...

christmas without gifts

How A Christmas Without Gifts Changed My Life

Around this time, people start complaining about how stressful it is to shop for Christmas gifts. I just nod and pretend I have any idea what it’s like. I am fortunate not to have the stress of figuring out “perfect gifts” for my family, because...

recognize bad financial advice

What Schools Should Teach About Personal Finance

Recently, more states are adding financial education to their curricula. Some people cheer the change but I question the utility of it. When I was in school, we were taught how to write checks (oh I’m so old). But there are objectively wrong ways to...

grief and finances

How Stress and Grief Affect Your Finances

Apparently, retail sales are up because of pent up demand due to Covid. Personal finance people are pleading, “Don’t go shopping if you don’t need more stuff!” This effort seems futile and wrongly focuses on the action rather than the motivation. It reminds me of...

bargain hunters are broke

Bargain Hunting Is Making You Broke

Most errands are boring, but shopping can be exhilarating. Stores have figured out how to convert the pursuit of saving money into spending too much. Bargain hunting is making you broke. When you think about it, shopping should be full and painful. You have to...