Friends, I have something to tell you. I have a goal, a dream — a big one. I’ve had it for several years now, and while I’ve shared it with a handful of people, I haven’t exactly been shouting it from the rooftops. But I’ve decided to put it out there for all the world to see, so that you can hold me accountable, perhaps provide a bit of encouragement, and follow me on this journey.
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A reader recently asked me to do a post on goal setting, and it’s a topic that’s been on my list for a while, so I’m happy to oblige!
Looking back at stages in my life when I felt like I was underperforming or not living up to my potential, they were pretty much all times when I lacked a vision for where I wanted to go and specific goals I wanted to meet. Goal-setting in school was fairly easy because the structure of formal schooling involves a lot of clear steps and numeric measures. There are external expectations that you can strive toward: get an A on the next test, achieve a certain score on the SAT, rank high in your class, get into college or graduate school, secure an internship, etc. I was a people-pleaser when I was younger, and I was motivated to check those boxes, get the associated praise, and feel like I was in control and doing well.
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Despite my stated intention to embrace a smaller wardrobe and buy less apparel, I’ve been been doing a good bit of online clothes shopping lately. Much of the browsing and clicking feels more habitual or impulsive than intentional. In order to feel more in control of my spending and acquiring, I wanted to try to understand what is driving this behavior, both for me individually and for modern consumers in general.
Lately, my impulse purchases have all been clothes and shoes, and they’ve all been made online. I rarely shop at physical stores anymore, and I don’t feel much of a desire to buy, say, home decor items, sporting goods, or kitchen gadgets. I’ve embraced a less-is-more mindset when it comes to the objects that surround me and fill my physical environment. Why, then, has this mindset not expanded to the objects that adorn my body?
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A couple of months ago, about eight years after graduating from law school, I used my tax refund to pay off the remainder of my law school loans. It felt amazing. I have a few student loans left from undergrad, and I’m on track to pay those in full by the end of this year. (I paid the law school loans first because their interest rate was higher.) Watching the balances shrink as I’ve thrown money at them has been exhilarating, and I’m excited to be able to focus more on saving and meeting other big financial goals going forward. I began attending college in 2002, and more than sixteen years later, I’m finally almost finished paying for it.
A few days ago, data was released showing that the fertility rate in the United States – the number of babies born per 1,000 women of childbearing age – hit a record low in 2017, for the second year in a row. The fertility rate has been declining every year since 2008, and the 3% drop from 2016 to 2017 is the largest single-year decrease since 2010. The New York Times published an article about the phenomenon in Thursday’s paper with the headline “Fertility Rate Again Falls to a Record Low, Confounding Demographers.” It seems no one can figure out why women between the ages of 15 and 44 aren’t having as many kids as they once did. As a 33-year-old woman who conceived my first child in 2017, perhaps I can shed some light on the topic. Read more