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  • The $100,000 Pay Cut

    Ever since I began telling people that I’m leaving my career to become a flight attendant, people have been asking me, “Do flight attendants get paid well?”

    The answer?

    Nope…though it gets better.

    The aviation world is incredibly seniority-based. If you put in a time with a company, the benefits and pay get better, but starting out, it’s a pretty terrible deal.

    For me, it will be a $100,000 pay cut.

    Telling people that freaks them out! (And as someone who is deeply passionate about finances, I actually understand why they get worried for me when I tell them about my career change. I get freaked out whenever anyone talks about car payments!)

    At some point, I’ll write about why I think the pay cut will be worth it, but today I’ll write about how it is financially viable for me to take such a dramatic pay cut.

    Financial Independence. In 2014 I discovered something called “financial independence.” Essentially financial independence is when someone’s investments and savings are high enough that they no longer have to work because they make enough money passively that work is no longer a necessity. On that fateful day back in 2014, I discovered this article by Mr Money Mustache that explained truly how simple the math is behind financial independence. I couldn’t believe it. It sounded so easy. I also couldn’t believe that anyone would hate their job so much that they’d want to live a life of deprivation to get out of their job. (Oh how the times have changed…) But reading this article got me intrigued. I decided that Saign and I could casually work towards financial independence. We wouldn’t sacrifice greatly; We’d just save as much as we could and try not to waste money.

    And…so we did. Now, 8 years later, since we took the casual approach, we are NOT financially independent. But we ARE what is sometimes called “Coast FI” (e.g. “Coast financial independence”). This means that we have saved enough in our retirement accounts that we don’t really need to put anymore money into retirement savings if we want to retire at a traditional retirement age. The money we’ve already saved is invested so it will sit in our 401ks, IRAs, and HSAs and grow until we’re ready to use it. In other words: Because of the saving we’ve already done, we just have to worry about our here-and-now expenses; we don’t have to worry about saving for the future.

    Financial Independence is the main reason that I am able to take a $100,000 pay cut. But there are a few other factors to consider:

    Marriage. Saign makes enough money to cover our most of our expenses, so I really don’t have to make all that much money. Airlines tend to hire one of two types of people: Young people who can live with their parents and old people who have a spouse to support them. Yep, that’s how bad the pay is! But, I’m lucky to have the opportunity to allow my husband to become the primary bread-winner.

    Minimal Debt. At some point, I’ll write my student loan story here; it certainly is a story worth telling! But for now, I’ll focus on the here-and-now: Right now, our only debt is our mortgage. (Remember how I told you that car payments give me anxiety? I wasn’t lying.) Being free of debt gives us the freedom to take a chance on a lower paying job.

    Flexibility. I can take this financial risk because I can always change jobs if I need to. I can still go back to my old career if I want to in the future. If we figure out that being a flight attendant is not working out for our family, I still have the training and education needed to go right back to a 6 figure job if I ever desire to in the future.

    So you see, THIS is why I’m a total personal finance nerd. Being thoughtful about finances can bring freedom! I’m so grateful for the freedom I have right now!

  • The Kenya Trauma

    The Kenya Trauma

    Sometimes when I tell people our travel plans, they get a look in their eyes. A look of doubt or judgment or something that tells me that they think I’m bonkers.

    Guys, I’ve been traveling internationally with my kid since she was 2 months old. I see the looks, and I just think, “Hmm…they sure are missing out!” When my kid was a newborn, I noticed the doubtful judgmental looks and they gave me pause. They led me to over-research. They led me to think I might be doing things wrong. But…after I successfully completed that trip, I realized something: I know myself and my kid, and traveling is one of the best things for us.

    So, we travel, and we ignore the looks.

    One of the destinations that led to the doubtful/judgmental looks was Kenya. Sometimes it wasn’t just looks. Sometimes people told me that going to Kenya sounded scary. To be honest, I couldn’t figure out what others were scared of. I planned to travel with guides when needed for safety, and I told Saign that under no circumstances would I be getting in a car in Kenya with him driving. I knew some would be worried about gaining medical care in a third world country, but this didn’t worry me. When it comes to adventures, I tend to think of things in the most dramatic terms, so in my mind either my kid would be fine or she’d be near death. If near death, I figured she’d get airlifted to Nairobi and get the medical care she needed, and all would be well. I didn’t think about the in-between. You know, medical needs that are in between no-need-for-medical-care and airlifted-because-we’re-saving-her-life. It was the in-between that happened one day while out on safari. Here is that story.

    Because L was only 3 at the time, for a few hundred extra dollars we hired a private safari rather than going in a big group. That meant it was just us (Saign, L, and I) and our driver/tour guide. We figured that doing this would protect others from L’s potential whining or crying. So, off we went.

    One day, we were in a rural town getting into the safari vehicle after eating lunch. Our guide flipped up a seat in the vehicle so that L could climb in. When she tried to climb in, she grabbed onto a bar on the bottom of the seat and essentially clipped the tip of her thumb halfway off as her thumb got stuck in the latch. At first I thought it was just bleeding, and I brought her into the restaurant to grab some napkins. While there, a waiter pointed out that I had left a long trail of blood behind us.

    It was then that I realized that she was really hurt. I looked closer at her thumb and realized that I could kind of flip the tip of her thumb halfway off.

    That did not seem good.

    I rushed out to the vehicle and told our guide that we needed to go to a doctor immediately. Another tourist came by and told me she was a doctor and took a look. She told me that L would need to have stitches, and that she might lose her nail, but that she would be fine. I thanked her and asked her what kind of doctor she was. “A gynecologist.” She told me.

    Our driver drove us to the clinic. It was literally across the street. I could have walked there. It was a building about the size of my living room and dining room combined (e.g. not big). There were no windows. I walked into the clinic and there was a small waiting room area, about the size of a large coat closet with a bench on each side. My kid was crying and we were both covered in blood, and I took a seat with the other patients.

    Our guide followed us in and said something in swahili. The other patients waved him towards a door to our right, and he knocked on it. Someone came to the door, and he pointed at us and spoke to the person; then there was some sort of chatter between the guide and the other patients. Then our guide explained that the other waiting patients agreed to let us go in first.

    There I was, a mzungu in a room full of Kenyans being given priority. I felt simultaneously like a jerk and like I absolutely needed to take priority as my child was the only one in the waiting room dripping blood. I am so grateful for all of the people for letting us in.

    Soon enough, we were ushered through the door my guide had knocked on, to a somewhat long and cluttered room and then back to a small dirty exam room. We were directed onto an exam table and given a dirty blanket (for comfort I suppose, but it was hot, so I remember just sweating all over the place with that dirty blanket on my lap and my child on the blanket).

    The doctor walked in, and I can’t really describe exactly what happened. I looked into her eyes and relief filled me. I trusted her.

    The doctor explained that she would inject some sort of numbing agent into L’s thumb and then sew it back on; and I suppose that is what happened. But…it was not easy. A common thing I hear from the parents of my cancer patients is the guilt they feel as their kid shouts and screams in fear as they’re getting their port accessed. I didn’t really understand that guilt until that day. The blood curdling screams. My child shouting at me and begging, “Mommy, Mommy, she’s hurting me. Don’t let her hurt me!” While I held her still and sang to her and tried to calm her, but to no avail. It seemed like getting that thumb sewed back on took and excessive amount of time. The whole time I kept thinking, “We’re here because of me. This is why normal people don’t bring their children to third world countries.”

    The doctor did a crap job sewing her thumb back on. It looked lopsided and terrible (and fun fact: It still does!) But still, I was grateful for the medical care. After sewing the thumb back on, she wrapped it in gauze. Then she got a bottle of antibiotics that had to be diluted with water. The water she got from a dispeser in the clinic; It was then that I realized that there was no running water in the clinic.

    I asked her the cost of the care. It was $7. I think I gave her $50 and told her I hoped it would help other children. She told us to visit a doctor to examine the wound again in 3 days.

    Oh, the trauma.

    We got into the car and L continued to cry to the point that we took her out of her carseat (keep in mind, this is Kenya where a carseat is not the norm), and she fell asleep in Saign’s arms. She didn’t want to be near me; I assume because I was the one who held her down while the doctor traumatized her. After she fell asleep I suddenly realized: I was not sure if the doctor used a clean needle. Saign reassured me that she had taken the needle out of a new package, but then he reminded me that the conditions were not sterile. The needles were clean, but the syringe was placed into an open bottle of medicine, not injected through a stopper after the stopper had been cleaned like we would have done in the States.

    I was terrified. Had I just exposed my child to a bloodborne pathogen?

    I prayed. What else can you do in a circumstance like this? I couldn’t fix it. I could just give her her antibiotic and pray.

    I googled care for wounds and stitches because we had been given minimal instruction by the doctor. That’s where I read that the bandage should be replaced every day. We stopped at a pharmacy to pick up supplies including painkillers and gauze and tape, but there was no non-stick gauze to be found. Y’all. I’m telling you, 4-5 pharmacies and no non-stick gauze. I usually travel with a first aid kit, but in this case had packed just a few bandages because I knew we’d be traveling with guides. Surely every tour company would require their vehicles to have first aid kits, right?

    Y’all. Not in Kenya.

    How foolish of me.

    It ended up being a bit of a disaster. We first tried to take the gauze off the day after the injury. It was terrifying for us. L was screaming; it was obvious we’d rip the wound open if we pulled it off. Saign happened to look outside the window of the hut we were staying in while we were trying to re-dress the wound and he saw the gynecologist who was there at the original injury (their safari seemed to be following the same route as ours). I encouraged him to go ask her what to do. She was also married to a doctor. They looked at L’s thumb and advised us to just leave it alone. They told us the wound would scab and that then we could take the dressing off in a few days.

    We thanked them and went with their plan. We left the bandage on until she returned to the doctor 3-days post-injury. Saign took L to that exam, so I don’t know exactly what happened. I think there was screaming and terror, and her thumb nail was pulled off. It was then covered with some gauze…you know, the sticky kind.

    Oh, it was a disaster. You see, logic and google convinced us that we would need to clean the wound daily. But first, we had to figure out how to get the bandage off which was now essentially glued to her nailbed, since it had been placed on an open but healing wound. We did wait a day or two, because we were terrified. Ultimately, Saign called his aunt (an RN) who advised us to get some hydrogen peroxide. We were able to find that. We soaked L’s thumb for 20 minutes and it bubbled and bubbled and finally allowed us to remove the gauze without hysterical screaming.

    Oh, but remember: Non-stick gauze was still not available in Kenya. Thankfully, I had packed some band-aids. I made it a nightly ritual to cut down two bandaids so that I could cover L’s nailbed with the non-stick gauze portion of the bandaid, and then wrap the sticky gauze around her thumb and hand to keep it all in place. We got saran wrap to wrap it in when we went to the beach.

    She survived.

    We survived.

    Her thumb is still messed up. (It’s large and mildly lopsided and can’t fully straighten; It’s really pathetic when she tries to give a thumbs up).

    This trip was L and Saign’s first time on safari and first time in Africa. There were many good, beautiful moments. I’m grateful for the time we had. But, I do finally understand why others are afraid to bring their children to 3rd world countries. Will I do it again in the future? Yes. But, not to Kenya. Kenya and I need a break from one another for the time being.

    I now reliably bring a first aid kit with us whenever we travel.

    Nothing like saran-wrapping your hand before going to the beach.
    The doctor who sewed L’s thumb back on and who brought me peace.
  • Taking a Leap

    Taking a Leap

    When I work with teens who are around 18-years-old, they’re often stuck as they think about the future. They’re not sure what to do. They don’t want to pick the wrong college, the wrong major, or the wrong job. They seem to believe that there is some perfect right choice that will give them the life they want, and any other choice is wrong and will lead to a terrible life forever.

    I always tell them the same thing: There is no right choice.

    I believe that wholeheartedly.

    There is no right choice.

    Why? Because no decision can keep you stuck forever. If you go to a college and find it’s not right for you? Oh hey! You’re allowed to move on to another college! If you choose a major and then senior year realize you’re no longer interested in the field you thought that major would get you? Yep, you get to graduate anyway but find a way into the field you want, or switch majors your senior year and stay in college a bit longer. There is no right choice. There is no wrong choice

    There are simply no rules in life (other than the simple things like treating others kindly). Pivot when you need. Change if you want to.

    I’ve been able to preach this to these teens with conviction in particular for these past few years because I knew the truth for me: My career was no longer right for me. A pivot was needed. I had to wait a bit before I could quit because of my student loans. But…my time is now!

    Two weeks ago I told my boss that I was quitting and that June 22nd would be my last day, or sooner if I found a job that required me to leave before then.

    The next day I went to an interview and got a job offer. It’s a totally different field, a totally different world. A massive pay cut. But…I’m taking the leap. Because I know that no wrong decision can be made. I HOPE that I end up loving my new job and staying in it for many years (this is particularly important because in this particular job, the freedom and benefits get better and better with time). But…if I end up deciding it’s not for me, guess what? I’m allowed to change again! I don’t get just one chance at a job or a career. I get to try new things out any time I want!

    So, here I am. Middle-aged and starting a new career.

    I am.so.freaking.excited.

    So what’s this new job?

    I’m going to be a flight attendant!

    See you in the skies. Let’s live that adventure life.

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