How to Invest for Retirement as an Educator

How to Invest for Retirement as an Educator

It's been a while since I've posted an educational deep-dive on a topic, and this one is long overdue. When the average person thinks about investing, visions of day trading individual stocks and risking their money fill their mind-- this was legitimately what I thought investing was a few short years ago, because it's the [...]

Breaking Through the 30k Mark | My June 2020 Net Worth

Breaking Through the 30k Mark | My June 2020 Net Worth As the end of the month approaches, it's once again time to take stock of all of my savings and investment accounts to add up my latest net worth. It feels weird, still, putting out this content while the world, and especially my country, is still being deeply affected by a pandemic that has [...]

The Simple Way to Jumpstart Your Money Journey

The Simple Way to Jumpstart Your Money Journey

I'd been going around in circles, in my head, trying to come up with an elegant solution for people trying to just start getting control of their money.  But it wasn't simple. I knew this because my own journey had been messy-- I followed financial resources that I later learned to be problematic. I tried [...]

Yearly Spending Breakdown: This Year vs. Last Year (With Graphs)

Photo by Brooke Lark via If you follow me on Instagram (which you should if you'll get value from it: @wrachelwrites), you've seen these graphs which break down my yearly spending by percentage. I added up exactly what I spent last year (thanks to my budget records, this was easy to do), and made [...]

A Small Savings Hack that Helps Me Save Slowly Without Thinking

Photo by Katie Harp via Disclaimer: This post contains a promo code for a savings app. I've been mulling over writing this, because it's made me feel a bit icky (I would clearly benefit from it monetarily) and the last thing I want to do is come off as self-serving or inauthentic to my [...]

I Finally Calculated My Retirement Number and the Result Shocked Me

Photo by Erick Palacio via I've been focused on being in control of my finances month-to-month, but I've put off thinking about a longer-term goal: my (early) retirement. Don't get me wrong, I know exactly how much I want to be investing each month once I get my emergency fund fully built, and I even [...]

On Credit Cards

Photo by Code Mnml via So, I've never talked about credit cards on my blog. I didn't even realize this until my friend wrote in for a Q & A, asking "Do you have a credit card, and if so, how do you use it?" I thought it warranted an entire post. In my [...]