One of the interesting (and/or awkward?) things about blogging is that it does a pretty good job of capturing ups and downs from week to week. And when I wrote last week’s post, I happened to be feeling fairly “down” about the current state of my finances. To review, here is my situation:
- I owe about $51,600 in student loan debt.
- I am 35.
- I don’t have a ton saved for retirement and am not in a career with a crazy high earning potential.
There’s not a lot I can do to drastically change the reality of these facts right now. I can’t go back to my 20s and make different decisions. I can’t apply for jobs in engineering or hedge fund management and expect to be taken seriously (also, what is hedge fund management?). And while I have bought two—count ‘em, two!—Powerball tickets in the past 12 months, I’m disappointed to report that neither one turned out to be a big winner. I suppose I could rob a bank and/or flee the country, but somehow those don’t strike me as realistic options.
The facts, in other words, are pretty much the facts. At this moment in time I owe a certain amount in student loans. I have a certain amount saved for retirement. I am a certain age. And so on.
But here’s the thing:
The facts aren’t the whole story.