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The Importance of Learning Personal Finance: Protecting Your Future, Today

As I navigate the world of business and finance, I’ve come to understand a crucial truth: while we are all taught to know our bank balances, we often neglect to consider how we will secure our financial futures in the event of the unexpected. In my journey, both personally and professionally, I’ve experienced the sting of loss far too many times, and it’s brought me to a pivotal realization—financial literacy isn’t just about knowing how to budget, it’s about preparing for the unknowns of life and ensuring that our loved ones are protected no matter what.

In recent years, I’ve lost people close to me, people who had no idea their time on Earth was so limited. The shock of their sudden departures forced me to confront a painful truth: we always know how much money is in our bank accounts, but we never know how much time we have left.

Through these experiences, I’ve learned just how important it is to not only know how to manage your money today, but how to make it work for you tomorrow. It’s not enough to simply save or budget; you need to understand how life insurance, investing, and asset protection can ensure your family’s financial security if you’re not around to provide for them.

The Need for Personal Finance Education

When we think of personal finance, the first thing that usually comes to mind is budgeting. While budgeting is undoubtedly important, it’s only one piece of the puzzle. Understanding how to protect and grow your wealth is just as critical, if not more so, especially in an uncertain world where anything can change in the blink of an eye.

Life Insurance: Protecting Those Who Matter Most

A few of years ago and again this year, I lost friends unexpectedly. Middle aged, full of life, and with a bright future ahead. The sudden passing left the families reeling, both emotionally and financially. They had no life insurance in place, no financial safety net to cushion the blow of losing their income.

These events profoundly impacted me, and it sparked a deeper desire to learn about planning for the future, including life insurance—something I’d previously taken for granted. As I delved deeper into the field, this year I decided to become licensed to sell life insurance and realized just how vital it is to have coverage in place, no matter how young or healthy you are. Life insurance doesn’t just offer peace of mind; it’s a lifeline for your family in the face of tragedy. If the worst happens, your policy can cover funeral costs, replace lost income, pay off debts, and provide financial stability during an incredibly difficult time.

The lesson here is clear: you may be able to control your budget and expenses, but you can’t control the future. Life insurance gives you the power to ensure that those you love are not left in a financial struggle should something happen to you.

Investing: Making Your Money Work for You

Another eye-opening lesson I learned was the power of investing. In the wake of losing friends and family members, I started questioning how I was preparing for my own future. While I had saved money and kept a budget, I realized I wasn’t growing my wealth as effectively as I could have been.

Investing isn’t just for the wealthy—it’s for anyone who wants to make their money work for them. Whether through stocks, real estate, or other opportunities, investing allows your money to grow exponentially over time. Compound interest is one of the most powerful forces in wealth-building, but it requires a long-term mindset.

When you invest, you’re setting yourself up for financial freedom and security. You’re working to create multiple streams of income that will carry you through not just your retirement years, but also any unexpected life events that might arise along the way.

Asset Protection: Securing What You’ve Built

Building wealth is one thing, but protecting that wealth is just as important. Whether it’s from potential lawsuits, creditors, or even unforeseen natural disasters, protecting your assets ensures that everything you’ve worked for doesn’t slip through your fingers due to factors beyond your control.

Consider estate planning, business insurance, and strategies like setting up trusts. These tools help ensure that your assets—whether it’s a home, a business, or investments—are safeguarded and passed on according to your wishes. I’ve seen firsthand how a lack of preparation in this area can lead to unnecessary hardship for family members left behind.

Why I’m Committed to Financial Literacy

As I’m working towards my financial licenses, I see my role not just as a professional in the industry, but as an advocate for financial literacy. Through my personal losses and the lessons I’ve learned, I want to help others take proactive steps to secure their futures. If I can help even one person understand the importance of investing in life insurance, taking control of their financial future, or protecting their assets, then it’s worth it.

Learning personal finance isn’t just about protecting your own future; it’s about ensuring that your loved ones can continue to thrive after you’re gone. You can’t predict what tomorrow will bring, but you can prepare for it. Whether it’s having the right insurance policies in place, investing to build wealth over time, or taking steps to safeguard your assets, personal finance gives you the tools to take control of your financial destiny.

NEXT STEPS: Take Action Today

We all face uncertainty. Life has a way of throwing us curveballs that we can’t predict or prepare for. But through personal finance—through learning about life insurance, investing, and asset protection—we can create a safety net that ensures our loved ones are taken care of when we’re no longer able to provide for them.

Don’t wait for tragedy to strike before you start thinking about your financial future. Start today. If you’re like me, and you’ve seen the devastating impact of sudden loss, use that as motivation to protect yourself, your family, and your wealth. Life may be unpredictable, but with the right financial tools in place, you can ensure that your legacy endures, no matter what.

G is for GRIEF

Navigating the Personal Journey of Loss

Grief is a profound, often overwhelming experience that touches all of our lives at some point. It’s a deeply personal journey that can emerge from various types of loss—whether the death of a loved one, the end of a relationship, or even the loss of a dream or opportunity. Understanding grief as a lifelong process rather than a linear event can help us navigate its complexities with compassion for ourselves and others.

The Nature of Grief

Grief is not just an emotion; it encompasses a range of feelings, thoughts, and reactions. It can manifest as sadness, anger, confusion, guilt, and even relief. Each person experiences grief differently, influenced by their personality, life experiences, and the nature of the loss.

A Personal Journey

One of the most critical aspects of grief is its deeply personal nature. While there are common stages of grief—denial, anger, bargaining, depression, and acceptance—each individual traverses these stages in their own way and at their own pace. There’s no right or wrong way to grieve; there’s only your way.

  • Cultural Influences: Cultural backgrounds can shape how we express grief. Some cultures openly mourn, while others may emphasize stoicism. Understanding these differences is vital in supporting those around us.
  • Support Systems: The presence or absence of a supportive network can significantly impact the grieving process. Friends, family, and even professionals can provide comfort, yet the way we choose to engage with that support is uniquely ours.

Grief as a Lifelong Process

Many people may expect grief to resolve after a certain period, but it often lingers, evolving over time. This understanding can be liberating; it acknowledges that grief doesn’t have a strict timeline and allows for ongoing healing.

  • Anniversaries and Milestones: Significant dates, like birthdays or anniversaries, can reignite feelings of grief. This resurgence is a natural part of the process and can remind us of the love we still hold for those we’ve lost.
  • Finding New Meanings: As time passes, the way we relate to our grief may change. We may find ways to honor our loved ones, celebrate their lives, and integrate their memory into our own.

The Greater the Grief, the Greater the Love

One of the most profound truths about grief is that it reflects the depth of our love. The pain we feel is a testament to the bonds we shared. This connection is what makes the journey of grief so significant and transformative.

  • Embracing Love: Rather than shying away from grief, embracing it can be a way to honor our relationships. Acknowledge the love that underlies the sorrow; it’s this love that shapes our memories and influences who we are.
  • Creating Legacy: Finding ways to celebrate the life of the person we’ve lost can help channel our grief into something meaningful. This could be through storytelling, creating art, or participating in activities they loved.

Coping with Grief

As we navigate the personal journey of grief, it’s essential to equip ourselves with tools for coping. Here are some strategies that may help:

  1. Allow Yourself to Feel: Give yourself permission to experience all emotions that arise without judgment. Grief is not something to “get over” but something to honor.
  2. Seek Support: Don’t hesitate to reach out for help. Whether through friends, family, or support groups, connecting with others who understand can be immensely comforting.
  3. Express Yourself: Writing, art, and other forms of expression can provide an outlet for your feelings. Journaling about your experience can help you process your emotions.
  4. Practice Self-Care: Grieving can be exhausting. Prioritize self-care through rest, nutrition, and activities that bring you joy or solace.
  5. Consider Professional Help: If grief feels overwhelming, seeking the guidance of a therapist can provide valuable support and coping strategies.

That’s not all folks:

Grief is a complex and deeply personal journey that requires patience and compassion. It is a lifelong process, interwoven with love and memory. Acknowledging that the greater the grief, the greater the love can help us embrace our experiences, honor those we’ve lost, and ultimately find a way to carry their legacy forward in our lives. Remember, you are not alone in this journey; your path is uniquely yours, and it’s okay to take the time you need to heal.

The personal part:

Keeping all of the above in mind, I have become very familiar with grief. It is a personal companion and has been with me since I was 11 years old. My only living grandparent died, my Granny, she was just the best towards me. And she impacted my life in so many ways, from “not sweeping through the middle” to “I love you a bushel and a peck,” helping me count to 100, taking rides through the countryside and everything in between. This is not to discount the losses that followed. It just compounds the grief; I still miss them and all of my other loved ones who are no longer here with me. The grief can be heavy some days. In the beginning, the initial shock, it is kind of easy. Easy, in that no one expects much from you in the beginning. You have the sympathy of everyone around you for your loss, but then it fades. You have to continue to go to work, do laundry, grocery shop, and with each of these tasks you are still very aware that the world you knew has changed forever. But the world keeps spinning even while you are in the throes of grief, life goes on, work still has to be done, bills paid. The routine soothes you a little bit, trying to keep things “normal” while you process what it is that has this grip on you. 

The holidays are always the hardest after a loss. Whether it be a birthday, anniversary or the holiday season following Halloween, they can all be hard. You can honor your loved ones and keep the same traditions, it may feel hollow at first, but there will be new meaning in them. This year I am not only facing the holidays without my parents but without 2 members of my village that always helped to pull me back from the brink when things got rough. I didn’t expect to have to traverse life and grief in losing friends that had become family. Losing the sister from another mister, my daily check in text or call, Audra could make me absolutely crazy with some of her theories but at our hearts we both enjoyed food and flavors and cultures and we raised our babies together. We made last minute poodle skirts together. She helped me expand my horizons. We valued critical thinking and doing what’s best for ourselves even if others didn’t understand. She helped me to embrace who I am. Now our youngest babies are freshmen in high school and she isn’t here to navigate this part. Some days are better than others and I think of her adult children each day. I think of her husband, left behind with a teen boy to raise without his mom. I digress. These things are all part of my daily existence. 

But in learning to let go, it is especially poignant in the fall. In the fall, trees lose their leaves, as they continue to grow. They become a shell of themselves, but we know that in the spring they sprout new leaves. I am taking a lesson from the trees this year. I am going to let go of things, it is hard work, but it is important work. I am going to let go of the past. I am going to cherish memories of loved ones and prepare myself to move forward in this new existence. I will remember each of them in different ways and on different days, but in letting go of how I thought life would be, I am freeing myself of the immense weight that grief can bear down on me. I will keep old traditions that still serve me and maybe create new ones to celebrate this new chapter of life. I didn’t plan for this journey of grief; I don’t think you can. What you can do is appreciate the time that you have and make the minutes count.

Love and light y’all, it can get dark out there. 

More about me and where I am headed…

Finding Opportunity Amid Grief and Financial Concerns

Life has a way of throwing curveballs when we least expect it. Lately, I’ve been navigating a landscape filled with grief and financial uncertainties. It’s a heavy load, and some days it feels overwhelming. But through this challenging period, I’ve started to explore new avenues to not only cope but to thrive.

Embracing Grief and Finding Strength

Grief can be a solitary journey, yet it can also be a catalyst for growth. As I process my feelings of the loss of both people and a career that I worked really hard to get into, I’ve realized the importance of channeling my energy into productive outlets. Writing has become my refuge—a way to express what I’m going through and connect with others who may feel the same.

Financial Concerns: A Wake-Up Call

Alongside my emotional struggles, financial concerns have crept in. Unexpected expenses and a tightening budget have pushed me to rethink my income sources. In this age of digital opportunities, I’ve discovered that there are several ways to generate income that align with my passions and skills.

Diving into Blogging and Copywriting

One avenue I’ve explored is blogging. Sharing my experiences not only helps me process my grief, but it also allows me to connect with a broader audience. Through my blog, I’m able to share insights, stories, and resources that others might find valuable.

I’m also diving into copywriting. The ability to craft compelling narratives and persuasive content can be a lucrative skill, especially as businesses are constantly looking for fresh ways to engage their audiences.

Proofreading: A Detail-Oriented Path

With an eye for detail, proofreading has become another potential income stream. Many writers and businesses seek out proofreaders to polish their work, and I’ve found that this skill can be both rewarding and flexible.

Cooking Up a New Project: A Cookbook

In addition to writing, I’ve always had a passion for cooking. As I’ve spent more time in the kitchen, I’ve been inspired to create a cookbook. Combining personal stories with recipes can be a beautiful way to share my journey and offer something meaningful to others.

Partnering with Primerica

Finally, I’ve recently partnered with Primerica, a company that offers financial services and education. This opportunity not only aligns with my goal of improving my financial literacy but also allows me to help others in their financial journeys. It’s a fulfilling way to turn my financial concerns into proactive solutions.

Connecting with Amazon Affiliate Links

As I embark on these ventures, I’ve also started utilizing Amazon affiliate links on my blog. Whether I’m sharing my favorite kitchen gadgets for the cookbook or recommending books that have helped me through tough times, this can be a great way to earn some extra income while providing value to my readers.

Moving Forward

While grief and financial worries can feel consuming, I’ve found that by leaning into my passions and exploring new income streams, I can create a brighter path forward. Each step—whether it’s blogging, copywriting, or working on my cookbook—feels like a small victory. I’m learning to embrace this journey, and I hope to inspire others to find their own paths through adversity.

If you’re interested in supporting my journey or exploring some of my recommended products, check out the links that I will be posting on my blog. There is also an Etsy shop, TikTok and Instagram pages for content related to mental health and navigating life. Look for Mothersenseshop on social media and of course I will be getting all of the links posted here soon. Together, we can maneuver through these challenges and discover new opportunities for growth. As always, love and light y’all, we can do this!

Navigating Life’s Uncharted Waters

A journey through grief

Life has a way of teaching us profound lessons, often through experiences we never anticipated. As a mom who has navigated the tumultuous waters of grief after losing both parents, my beloved Uncle John, former in-laws, and numerous close friends, I’ve come to understand that while the journey is deeply personal, it is also one that connects us to each other in ways we might not always recognize. Today, I want to share my story, not as a means of seeking sympathy, but to offer a beacon of hope and understanding for those who might be walking a similar path. And grief is a very personal journey and no two paths are the same, please know you are not alone.

The Weight of Loss

Losing my parents was like losing the anchors that held my world steady. They were my guiding stars, my sources of unwavering support, and the keepers of family traditions. Their absence created a void that felt insurmountable. I remember the days following their passing as a blur of grief and disbelief, a cacophony of emotions that seemed too vast for words. And still I don’t feel like words can accurately describe the first few months after we lost my Daddy and Mom.

While still grieving my Uncle John and parents who were so much a part of our daily lives; we also experienced the loss of close friends, and my former in-laws. It all seemed too much, like another wave crashing against my already fragile heart. Each person’s departure brought with it its own kind of pain—a different shade of grief, yet part of a larger tapestry of loss. These were people who had walked with me through various chapters of my life, sharing laughter, tears, and countless memories. Their absence was a reminder of the impermanence of life and the unpredictability of our journeys.

Finding Strength in Vulnerability

Grief is often portrayed as a linear process, but in reality, it’s more like a swirling dance with no clear steps. At first, I sought to shield myself from the raw pain, to put on a brave face for my children and keep life as normal as possible. But eventually, I realized that embracing my vulnerability was not a sign of weakness but a source of strength. Allowing myself to grieve openly meant accepting that my feelings were valid and that it was okay to not have all the answers.

Being honest with my children about our losses was one of the hardest yet most liberating things I did. We talked about their grandparents, uncles, and my friends in ways that honored their memories while allowing us to express our sadness. It became a shared experience, one that, while painful, also brought us closer. Through these conversations, I learned that grief does not need to be a solitary journey; it can be something that unites us.

Creating New Traditions

One of the most healing things for me has been creating new traditions that honor those I’ve lost. It started with small gestures—lighting a candle in their memory on significant dates, creating bouquets for their graves, sharing stories about them during family gatherings, and visiting places that held special significance. Over time, these traditions have evolved into a way of keeping their spirit alive, blending their memory into our everyday lives. As I have one daughter planning a wedding, she will be certain to honor her grandparents and perhaps even her honorary aunt Audra in her upcoming wedding ceremony. This is how we move on. We are forever altered by the loss, but we keep the memories in our hearts, so our loved ones are ever present.

As a family, we began to find joy in creating new memories while still cherishing the old ones. We celebrated our milestones with an appreciation for the past and a renewed hope for the future. One daughter’s graduation was especially poignant, her aunt brought a rose for each grandparent who was missing. It was a way of acknowledging that while the pain of loss is profound, it does not have to overshadow the beauty of living. We celebrated and had a party and there were smiles and laughter and it was good. 

Embracing the Journey Forward

Grief is a lifelong companion, but it doesn’t have to define us. It’s a part of my story, but it’s not the whole story. I’ve learned that healing doesn’t mean forgetting, but rather finding a new way to live with the love and memories of those who have passed. It means allowing myself to experience joy again and to continue moving forward with a heart that has been forever touched by those who are no longer here.

 I recently watched the episode of NCIS where “Ducky” passed away, and although he was old and it was his time, the loss still hurt. Director Vance shared a piece of wisdom with the team that Dr. Mallard had shared with Vance upon his wife’s death, We each die two deaths, one where our body gives out and the other when our stories stop being shared. Profound words to share with those experiencing loss. Don’t stop sharing the stories. It keeps them alive in our memories and even though their physical presence is gone, they do not have to be. 

In my journey, I’ve found solace in connecting with others who have experienced similar losses. It’s through these shared experiences that we find understanding and support. We each have our own paths, but the connections we forge with others who have walked similar roads can be profoundly comforting.

A Message of Hope

If you are navigating the challenging waters of grief, know that you are not alone. Your feelings are valid, and your journey is uniquely yours. Embrace the love and memories of those you’ve lost while allowing yourself the grace to live and find joy again. Grief may change you, but it doesn’t have to diminish your capacity to love and find happiness.

In the end, life’s greatest gift is our ability to love deeply and to be loved in return. Even in the face of loss, the bonds we create and the memories we cherish become a source of strength. As a mom who has felt the weight of grief, I hold onto this truth: that the love we share with those who have left us continues to guide and uplift us through every step of our journey.

In loving memory of so many I have lost over the years, but especially:

Sandi Rene Marbut July 1993

Ila Kilcrease July 1987

John Henry Eaves June 2019

Sharena Kay Lovett May 2020

Rufus Oran Kilcrease October 2020

Emeline Marie Kilcrease November 2020

Deborah Kay Nelson April 2023

Garry Paul Roeber May 2023

Audra Marie Talley March 2024

Marcey Elaine Riley May 2024