If you are right in the middle of balancing recurrent expenses, savings, insurance policies and a mortgage, it can be hard to know whether to make decisions based on where you are now or where you will be in twenty years. I think about this a lot, wondering if it’s short-sighted to plan based only on what I can afford or unrealistic to budget on a future expected income.
This isn’t only about good financial advice. It involves making decisions about what kind of life I want and what my sacrifices are intended to achieve.
The house I dream of living in is beyond my current capacity, but won’t be in ten years. I could give up that dream for something more manageable and less perfect, and in ten years wish I had found a way to hold on long enough despite the nightly stress and the fears of not making ends meet.
Alternatively, I could walk away from the home and yard where I both got married to Stone and gave birth to Ziya, and start fresh, learning to let go, and living with less time spent thinking about money, enabling that sacrifice to earn me a better quality of life, marriage, motherhood and career in the decade ahead.
It’s not a question of house size or grandeur, it’s ultimately about what I hope to leave for Zi when I’m gone, and the effort I’m willing to invest into securing that gift for her, with my best wishes that it improves her own quality of life. But, sometimes, getting there feels far, overwhelming and exhausting.
A voice in my head also wonders if she’ll look back and say that I sacrificed my relationship with her in the present to leave more to her later, having spent too much time working as hard I can, and being distracted by financial demands in ways that she would not have chosen for me.
For us workers without a trust fund, leaving your children with at least a house that they can call theirs, and a little yard to grow fruit and food, is not just a work ethic, it’s a life ambition that we’ve inherited from each generation that came before, a plan held close and tended with care since enslaved and indentured workers started being able to put aside a little, make some into heavy gold jewelry, and add slowly to a hidden tin’s contents. Our parents did it by doing without, giving all to their children, and living through that hope and for that dream.
However, times have changed and that’s now not so easy. The cost of living seems to increase daily, and I’ll also admit to not wanting to give up the freedom I have to buy books when I want or eat dinners with my friends or, when Zi is older, travel with her as much as I can. It’s not possible to have it all or even get what you want when you want it. Sometimes, something has got to go.
Watching women fall to cancer around me, I also wonder if it’s better to find whatever resolution comes with the most leisure, the least pressure, the lowest costs and the shortest time to achieve. What if I plan on thirty years ahead and illness leaves Zi with neither house nor me?
Judging types will say that the worries of job and mortgage, then death, make for a wasted life, but they are stereotyping this moment of weighing responsibilities. Mostly, it’s another chance to realistically reflect on my potential and, insha’allah, be true to my priorities.