Taboos: Talking/Not Talking About Money and Health

Today I was reading a new-to-me blog, and I was struck by an interesting thought. The blogger was talking about her near-death experience, but she chose not to reveal what her medical diagnosis was. I see that a lot on blogs. In fact, I’ve probably been cagey about some of my conditions as well.

Health, it seems, is one of the last things we don’t discuss in public.

Crew Dog, One Sick Vet

The fact that she chose not to reveal her diagnosis is interesting to me for several reasons. First, because she is a personal finance blogger, and they’re known for talking openly about another taboo subject – money. Second, she chose not to reveal her diagnosis even though she blogs anonymously. Third, as someone who is chronically ill myself, I always wonder what the unnamed condition is, and whether I can personally identify with/learn from this other person when I come across such a blog post.

So why don’t we blog more transparently about our health? How much of it is influenced by the ableist paradigm that is dominant in our societies? In the U.S., where I live, people are very uncomfortable talking (or even thinking) about illness, disability, or death.

While I will admit that it can be very tedious when someone traps you in a conversation in which they go on and on and on about every excruciating detail of their health issues, the great thing about a blog is that, if you don’t like, aren’t interested in, or find a certain post boring or uncomfortable, you don’t have to read it. You’re not trapped in the conversation (monologue).

Why else might someone choose not to discuss their health, or not to reveal their diagnoses/conditions? I’ve been thinking about this one a lot. And I think one concern is that social media can be used against the content provider. What do I mean, specifically? There might be an underlying fear that information provided on social media could be used against the individual by the healthcare insurer.

In the same way that job applicants occasionally find themselves not receiving job offers or having offers revoked, and students applying for higher education occasionally find themselves not receiving school admissions, or having offers revoked, due to content they have posted on social media, patients might fear that insurers could use information about their health or daily lives provided on social media to disapprove treatments, medications, or coverage.

Don’t believe that could happen? I’ve heard many chronically ill people state that their applications for disability were denied because a picture or a statement on social media was used as evidence that their condition was not as disabling as they claimed.

Like the Brady Bunch episode “Fender Benders,” in which a man unscrupulously tries to claim car and physical damages which were not caused by the minor car accident, but is exposed in the nick of time as a fraud when Mr. Brady drops his briefcase on the floor and the man turns his neck at the sound, proving his injury is false, people seem skeptical about any chronic illness or disability and they seem eager to disprove these conditions.

Don’t believe me? How many cases have you seen in social media of everyday citizens shaming someone for parking in a disabled parking spot because they can’t see the disability, or don’t believe the individual is really disabled, or because they “look too young to be disabled,” or even shaming a woman for parking in a disabled veterans designated parking spot – news flash, women are veterans too.

How many posts or memes have you seen shaming a person in a wheelchair or on a scooter for standing up to reach something off a higher shelf in a store? I’ve seen them. They usually say something like, “Look, it’s a miracle! They can stand!” Well, guess what? Not everyone who needs to use mobility aids is a quadriplegic, or even a paraplegic. Not everyone has visible signs of their chronic illness or disability. And you, average, everyday citizen, are not the disability police.

But what about the people whose actual job it is to process disability claims or investigate for insurance fraud? Would you be surprised to learn that most of them do not have medical degrees or training? Most of them aren’t chronically ill or disabled either. So why are they the ones making life-altering decisions affecting healthcare and finances of chronically ill and disabled individuals? For that matter, most DOCTORS don’t understand chronic illness or disability. So even placing medical personnel in these positions might not alter the outcomes. Their job is not to weigh the evidence and reach an accurate and fair decision – their job is to save the company (or the government) money. By denying claims. Denying coverage. Denying medications. Denying treatments.

In personal finance blogging, you can write about whatever you want, and no one will appear and take away your investments or your pension (should you be lucky enough to have one). The worst thing that could probably happen is that the IRS might decide to audit you in response to something you wrote in a post.

But in chronic illness/disability blogging, the stakes are much higher. Because, unless you’re able to pay cash for the medications, treatments, and consultations you need, you’re always vulnerable to your healthcare provider/insurer. You’re always vulnerable to them denying payment, or denying coverage, or terminating your coverage.

“Unless you’re able to pay cash for the medications, treatments, and consultations you need, you’re always vulnerable to your healthcare provider/insurer.” – One Sick Vet, onesickvet.com

The costs of healthcare are getting higher and higher, and institutions and organizations are looking to cut costs by reducing coverage and denying coverage. Many organizations have reduced healthcare costs by hiring mostly part-time employees with no healthcare benefits. Retirees with company healthcare benefits are finding the premiums going up and up in retirement.

So you can understand why a blogger might choose not to reveal their diagnoses, their conditions, publicly. Even if they’re not concerned that you would “look at them differently” after that, even if they decide they don’t care that they could be labelled and seen as “nothing more” than their disability, the biggest fear is that they would always be wondering, “Is something I casually share going to affect my healthcare coverage?”

It’s easy to see a person in a wheelchair stand up and think “They’re not really disabled.” Or to see a picture of someone outside and think, “See, there they are, doing the thing they said they couldn’t do. I knew they were lying.” But what you don’t see is the 20 minutes (or longer) that wheelchair user sat in the parking lot trying to get up the energy to get back into their vehicle, because they used all of their energy to stand up in the store and reach the thing they needed or really wanted, which was located out of their reach. You don’t see that the person who was outside doing the thing had been in bed for days beforehand, storing up as much energy as possible, and will be in bed for days afterward to recover from having done the thing. You don’t see the vomiting, diarrhea, migraines, inability to breathe, and other effects that come from exposure to your fragrances, and so you conclude, “See, they’re not *really* allergic to fragrances! I wore some and they were fine.”

There’s a lot you don’t see, and we probably would never tell you (unless asked compassionately), because we don’t want to be that person described above who traps you in a conversation about our illness, disability, or special needs that you’re not interested in hearing about. But just because you don’t see, or hear, or understand something doesn’t mean it isn’t real or true. And just because you see or hear something doesn’t mean the conclusions you draw from it are true or accurate.

So am I apprehensive to share on my blog that I have chronic, intractable migraines, in case you also hear or see that I eat chocolate? Does it make me a “faker” and threaten my healthcare coverage that I eat chocolate, because “everyone knows” that chocolate is a migraine trigger? No. Because EVERYONE’S BODY IS DIFFERENT. I happen to be able to eat moderate amounts of chocolate without getting a migraine. That does not mean that I don’t have chronic, intractable migraines. I do. I was diagnosed over twenty years ago. No medications helped (until Botox). In fact, because everyone’s bodies are different, one of the primary classes of medications given to migraine patients is contraindicated in my case. The supporting evidence that Botox significantly improves my quality of life is much greater than the supporting evidence (mostly anecdotal) that chocolate triggers migraines. That’s a health condition I’m willing to reveal, and a fight I’m prepared to fight.

Even though migraine is a woefully under-researched condition, and the condition is still little understood, there is sufficient evidence to defend my diagnosis, course of treatment, and personal behaviors. I have other heath issues that are even less understood, probably because they are even less researched.

These issues I have been more reluctant to talk about on this blog, for several reasons. First and foremost, I do not want to foster or spread false information. If I claim to have a condition, and I state certain things work for me, and then it turns out that’s not really what I had after all, I might have provided incorrect information to you. [Even though I AM NOT A DOCTOR, and anything I share on this blog is for entertainment or informational purposes only.] Second, since I don’t have diagnoses for these conditions, I don’t have research to guide my actions or defend my actions. I could be inadvertently jeopardizing my healthcare coverage if I say things on this blog that could cause a provider or insurer to disbelieve my physical limitations or to deny coverage or treatments. [Update since the original draft: I have received several more diagnoses from medical specialists, and may mostly have all my conditions diagnosed now.]

After all, if I talk about doing something, being active, in someone’s mind that means I’m not “really” chronically ill or disabled, right? You don’t see the two times I lost an entire year of my life to illness, and did nothing more than move from the bed to couch and from the couch to the bed (most days – some days/months I stayed in bed, or lived on the couch 24/7.)

Tanja Hester at Our Next Life is a big proponent for transparency in the FIRE [Financial Independence, Retire Early] community. As I understand her position, she believes that FIRE social influencers should be transparent about their sources of income and about whether their financial independence and/or early retirement statuses are due to the techniques and actions they espouse on their blogs/podcasts/channels, or whether there are supplemental sources of income such as inheritances or income from social media outlets that have enabled or supported their lifestyles. IOW, is what they recommend to others and assert they have done themselves replicable*? If you followed their advice, could you achieve the same result? [This transparency can be achieved whether one blogs anonymously or whether one’s identity is public knowledge.] *[See here for an interesting scientific article on the terms repeatability, replicability, and reproducibility.]

I applaud Tanja’s efforts to encourage the personal finance industry (or, more specifically the FIRE community) to be transparent about their recommendations and their outcomes (in scientific terms, their methodologies and results), so that others are not misled by purported results that are not replicable.

Since every human body is different, you could argue that replicability is difficult to impossible in human health. And yet, scientific experiments (like drug trials) do achieve replicable results that apply to a majority of human beings. But there are also typically outliers and exceptions. Research shows that there also may be differential results attributed to racial differences with some medications (see here and here for two medical articles discussing this topic).

So, can one blog transparently about personal health? Yes, I think so. In case I have not stated so publicly before, I do my best to present information on this blog that is scientifically-based, and to cite [link to] my sources. I don’t ask you to take my word for it – in fact, I prefer you to do your own research, your own due diligence, regarding anything discussed here.

When someone personally testifies that they tried a health product or a technique and it worked for them, you have an experiment that may or may not have been conducted scientifically and that is comprised of a sample size of 1 (possibly a few more if a partner or children are also included in the experiment). But when a research study or clinical trial is cited as evidence, you can read the study, report, or article for yourself and evaluate the methodology, samples, data, and conclusions for yourself. If a health technique or product has been tested multiple times, with a large number of participants, and the results have been primarily favorable, then the odds of it working favorably for you are much greater.

I pledge to write about personal health transparently, such that I will always cite the sources for the information I am sharing, and I will distinguish between scientifically-based and non-scientifically-based sources. I will present my own experiences accurately, and let you draw your own conclusions.

Crew Dog, One Sick Vet

Addendum: Since I originally drafted this post, healthcare has become even more fraught in the United States. Governing bodies are being decimated. Benefits are being slashed. Scientific evidence is being undermined. Chronically ill and disabled people are publicly mocked. Nevertheless, I will do my best to provide scientific evidence for information I share on this blog and all other platforms. And I will continue to share my thoughts and experiences.

If you want to join the conversation, let’s use the tag #TalkAboutDisability.

Admin Update – Memorial Day Weekend 2026

If there’s anyone out there still reading this blog…

I know it’s been dormant for quite some time (forever in online time).

It’s been quite a ride, with bad health and better health. I’m working on another project now, which takes all my time/energy.

But…I have a queue of draft posts that I’d still like to share. [Some are barely more than a few sentences – placeholders for thoughts/ideas.] So I’ll be completing them and publishing them this year (and possibly next year, as well).

So, hi. I’m back. Here’s some more of my thoughts about and experiences with chronic illness, disability, and personal finance. Thanks for reading.

Resolution Update: One Week

[This got lost in the ether. It should originally have published 15 JAN 2024]

It’s been a week since I posted my resolution to update my estate paperwork.

So how am I doing with my resolution? This week, I have been working on my annuity. I transferred the funds to a different investment (same account, same company, different sub-account), and I printed out the hardcopy paperwork required to update my beneficiary.

I also looked at outlines for updating my will, advanced health directive, and Power of Attorney. The U.S. Air Force has online guidance that enables you to prepare in advance before meeting with an Air Force lawyer to complete this paperwork. This news article gives a good overview of the Air Force legal assistance website. And this link is where you create an account and get started. The data you input is retained for 90 days – after that, it is dumped and you would have to start over. This legal assistance is free of charge for active duty military, their eligible family members, and retirees. In some circumstances, it is also available to reservists.

This week I also did some research on my burial arrangements. Spousal Unit knows the basics: how, where. But I did a bit of deeper digging into the specifics. I do have Croak Book materials that I purchased and downloaded, but we haven’t created the binder and filled it in yet. [A Croak Book is a binder full of information about your bills, investments, funeral arrangements, etc. that you leave behind as a road map for your executor/next-of-kin.] I purchased a copy for My Boomer Parent and created a binder for them to (hopefully) fill in, to make it easier for the family when they pass, but haven’t created ours yet. The burial arrangement information would go in this binder, to make it easier for our survivors/executor.

It’s going to take a while to complete everything on my estate planning checklist, but I’ve made a start. Now I’ve just got to keep making progress.

How are you doing with your New Year’s resolutions?

How Did I Do with My 2024 New Year’s Resolutions?

It’s another new year. So how did I do with my 2024 New Year’s resolutions? Well, let’s just say that I’m carrying most of them forward to 2025.

My resolution for 2024 was to review and update my estate paperwork. This consisted of multiple parts:

  • Update my advanced medical directive/living will
  • Update my medical power of attorney
  • Update my VA advanced medical directive
  • Submit my updated advanced medical directive/living will to my healthcare system (specifically to the hospital ER I use when injured)
  • Update my will
  • Review the beneficiaries on my investment accounts and update as necessary
  • Make sure my designated executor knows where to find my updated estate paperwork

In all honesty, I didn’t get very far with these tasks in 2024. After a couple of false starts, the legal paperwork remains un-updated. The only one of these objectives I accomplished in 2024 was to review and update the beneficiaries on my investment accounts. One of seven objectives accomplished. So I’m rolling the rest of these over into 2025.

I have no new resolutions for 2025. I’m just gonna keep working on last year’s. Leftover resolutions, if you will. These are important, so I’m just going to keep working on them until they’re done.

Pacing Myself: Nano Walks

I previously wrote about micro walks, or the way I was breaking exercise down into manageable ten-minute segments. But my bursitis (knees and Achilles heel) was often still giving me problems afterwards. The bursitis sites would get red, hot, and really painful, making it difficult to maintain a daily walking routine.

Since I got a wearable fitness device, I have been able to slowly increase the amount of exercise I am getting per day by doing what I’m calling nano walks. (Breaking my exercise down into even smaller segments.) My device is set to remind me to get a minimum number of steps per hour for nine hours of the day. I have found that breaking up the exercise into *even smaller* chunks than I was previously doing is enabling me to get more total exercise per day without my bursitis getting inflamed or sore. I still have to be careful not to exceed too many steps per day total and not to do too many steps at once, as that will cause my bursitis to flare and set me back. But I am learning my limitations and experimenting with types of increases to determine what my body will and won’t tolerate.

My world has gotten even smaller, as I walk around my house or yard to get the hourly steps rather than around my neighborhood. But I get beneficial exercise and I get out of the house to see what’s going on outdoors.

On the one hand, it takes more cumulative time than one or two micro walks a day, but on the other hand, it takes less preparation and less time all at once. For me, it seems to be easier to sprinkle it throughout the day than to carve out time for a longer walk. And even if I miss a segment or two during the day, I can make up for it during a later hour (after the designated nine hours) in order to get enough steps for my daily goal range.

I have determined a range of total steps, bounded on the low end by meeting my minimum goal (steps per hour x 9 hours) and on the high end by my bursitis, and I vary my total within that range by day, depending on how my body is feeling that day. And if I’m having a really bad day, I don’t stress about meeting my hourly or daily goals at all.

Pacing myself every day, and resting on the days when my body needs more rest, is enabling me to have more days when I can exercise and more total exercise.

Crew Dog, onesickvet.com

So breaking up my exercise into even smaller chunks and pacing myself is working pretty well for me. I guess I can modify the exercise mantra “Low and Slow” to “Low, Slow, and Nano!”

Have you tried breaking up your exercise routine into micro or nano segments? What has worked for you? (And what hasn’t?) Please comment below.

New Year’s Resolution 2024

I got sick after Thanksgiving and I continue to run behind. Christmas Cards have hit a snag and not gone out (yet?). And I didn’t think I was going to make any New Year’s resolutions this year either. (I often don’t). But inspiration has arrived (a week late), so here is my 2024 New Year’s resolution:

I resolve to update my estate planning paperwork this year.

To begin with, my will is very out-of-date. I need to change the primary and secondary executors, and I probably need to change the secondary beneficiaries as well. While you should update your will with every major life change (marriage, divorce, children, etc.), it’s also a good idea to review your will periodically as other circumstances change. For example, if one of your executors or beneficiaries dies or becomes estranged from you. Or as your net worth grows. Maybe your designated beneficiary would not be capable of handling a larger inheritance, or would need assistance to do so. This Kiplinger’s article includes 12 reasons you should update your will, including a few I hadn’t even imagined (like losing the hardcopy of your will). In my case, no major life events have affected my will, but some minor ones have, and I wasn’t periodically reviewing my estate paperwork, so I didn’t notice that I would no longer be satisfied with the outcomes of my estate settlement as written.

I’ve mentioned this before, but it’s really important to stay on top of this paperwork. In the military, I saw death benefits distributed to ex-spouses rather than current spouses or children simply because the service member had not updated their paperwork. In my own life, I’ve seen what happens when someone dies with an outdated will or when the named executor for a couple has a conflict of interest. It’s painful to experience an estate being settled in ways that you know go against the deceased’s wishes at the time of their death. And it can even lead to legal battles or extended probate that can be very draining for the estate, the executor(s), and the loved ones. Do the work now so that your loved ones don’t have the hassle later. Do the work now so that the government doesn’t wind up with assets you could have avoided giving them. Do the work now so that your beneficiaries are provided for in the way you wish them to be. Whatever your motivation, use it to propel you into action.

While I’m at it, I’m also going to update my durable power of attorney and my advanced directive for healthcare. Interestingly, when I became eligible for VA healthcare, I was required to do separate advanced directive for healthcare paperwork with the VA – they would not accept the one I already had. The VA paperwork, however, did not need to be drafted by a lawyer or notarized. I simply filled it out at my VA healthcare facility. However, since each VA facility is different, I don’t know whether my current VA facility (in a different state) still has my advanced healthcare directive paperwork on file and whether they accept it. Even if they do, contact information for my designated healthcare representatives has changed. [So that’s a reminder for me to check with my current VA facility and ensure it’s squared away.] Also, now that more healthcare “paperwork” is online, many healthcare systems are requiring that you bring a copy of your directive to the facility to be entered into their online systems. So don’t assume that a loved one bringing a copy of your advanced directive while you’re in the hospital receiving care will be sufficient anymore – you may need to have gotten it accepted by the relevant healthcare system ahead of time.

We don’t carry life insurance as we have no income that needs to be replaced or children that need provided for, but if you do have life insurance, you would also want to periodically review it to make sure you have enough coverage for your current needs and to update beneficiaries as necessary.

If you are in the military or are an eligible veteran, you also should periodically check DEERS (the Defense Enrollment Eligibility Reporting System) to make sure your beneficiary information is up-to-date and correct. This includes the who, how, and where. Make sure the DoD knows who all of your beneficiaries are, how much you want to leave to each (percentages of benefits), and how to contact each of them. If you don’t review this data and make sure it’s current, this is how money winds up going to an ex-spouse or other beneficiary you no longer want your death benefits to go to.

Additionally, you should periodically review the beneficiaries on any investments that you have. Make sure your accounts have primary and secondary beneficiaries that reflect your current desires. IOW, make sure your money would go to the people you want it to go to. This often changes over time, so you can’t just “set it and forget it.” (Unless you don’t care what happens to your money after you’re gone.)

In summary, if you care what happens to your hard-earned money after you’re gone, you should review your estate planning paperwork periodically (and in conjunction with every major life event) to keep it up-to-date and make sure it reflects your desires as you progress through life and circumstances change.

Since I very much care what happens to my hard-earned money, in 2024 I resolve to:

  • Update my advanced medical directive/living will
  • Update my medical power of attorney
  • Update my VA advanced medical directive
  • Submit my updated advanced medical directive/living will to my healthcare system (specifically to the hospital ER I use when injured)
  • Update my will
  • Review the beneficiaries on my investment accounts and update as necessary
  • Make sure my designated executor knows where to find my updated estate paperwork

Does anyone else want to commit to updating their estate paperwork in 2024? Let me know in the comments – we can be accountability buddies.

New Year’s Reminders

This is just a quick post to remind everyone that it’s a new year and a new quarter, so it’s time to do all the things: swap out your toothbrush; swap out your face masks (they’re good for about 40 hours of use); fill your pill caddies; change your HVAC filter; put more salt in your water softener; check your smoke alarms. Whatever you do quarterly, this is your reminder.

Okay. I will now resume watching college football bowl games.

Happy 2024, Y’all!

Micro Walk Update: Hourly Steps

This is an update to an earlier post I wrote about micro walks, which I define as short-duration walks (I usually aim for 10 minutes) with the purpose of getting in a little exercise without aggravating my health conditions. So, you might want to read that post before you read this one. (This post would also make more sense if I had already completed and published my draft about purchasing a Fitbit, but, hey, no one’s perfect.)

As you are probably aware, Earth has been setting heat records. July 2023 was the hottest month ever recorded on Earth, and that includes South Florida, which definitely has been experiencing record-breaking heat. With overnight temperatures in the mid-to-upper 90’s, there is no time of day or night at which a walk is enjoyable (or even tolerable, depending on one’s health conditions). So I haven’t been walking. Not even micro walks.

But, as I alluded to in the first paragraph, I bought a Fitbit a couple of months ago. And *if* I ever get the post about that completed, you will read that I did it to monitor my heart, *not* because I’m jumping on a wellness bandwagon. In fact, I have been resentful of the device’s prompts to get in a minimum number of steps each hour, punching off the haptic alarm and growling at my device every hour. Until…

A friend of mine recommended a fitness influencer who discusses getting steps in indoors. And a lightbulb went off. Now, my house is small. I mean, really small by current standards. Definitely no room for a treadmill! But…my Fitbit has been nagging me to get a minimum of 250 steps per hour. And I suddenly thought: “What’s easier than a 10 minute micro walk outdoors, that requires me to put on outdoors clothes and shoes and walk in the oppressive heat? Walking around the inside of my house, as is, in the air conditioning.” So that’s what I’m doing.

Rather than getting annoyed that my fitness device is nagging me to interrupt what I am doing and get more steps, I decided to get up once an hour, when it prompts me, and get my required minimum steps – inside the house.

We’ve probably all seen the articles (or news reports) that “sitting is the new smoking,” meaning that a sedentary lifestyle is harmful to one’s health. I’ve been basically ignoring that conversation, giving myself a pass due to my health conditions. But the reality is that I still have enough health privilege that I *could* be less sedentary, especially since recent medication changes have lead to me feeling a bit better.

I want to be very clear that many in the chronically ill/disabled communities do not have that health privilege. I acknowledge that I *can* move more without harming myself, and that many of my friends and acquaintances in our communities cannot. I respect their conditions and support them in doing whatever they need to do (or not do).

For myself, this is an experiment to see how I fare when I take an hourly exercise break, focusing on completing a minimum of 250 steps per hour. I have seen no evidence to suggest that this would have the exact same effect as a 10 minute walk after meals (see previous micro walk post), but respected medical sources are unanimous that getting up and moving around hourly has health benefits (assuming one can safely do so). For example, this Yale Medicine article has useful information about the hazards of sitting and helpful tips for being a bit less sedentary. And this Harvard Health article explains that prolonged sedentary behavior can lead to insulin resistance and a decrease of the enzyme that breaks down fat in one’s bloodstream.

I see hourly movement as an easier way to get some exercise than trying to walk outdoors in this heat, and it breaks exercise into even smaller chunks than a 10 minute micro walk. So if you’re struggling with energy pacing, perhaps breaking walking up into even smaller chunks would be helpful. (And maybe don’t do it every hour – do it at whatever interval works for your condition.)

So, even though I continue to resist some of the health and wellness gimmicks such as 10,000 steps per day or competing with others online in performing fitness, I am currently hacking my health by complying with Fitbit’s hourly reminder to get up and move around a little bit. I’ll let you know how the experiment goes.

If you try it, please let us know how it worked (or didn’t work) for you.

Financial Concerns – How a U.S. government debt default would affect my military family

Right now, the U.S. political parties are at an impasse over raising the debt ceiling. According to the latest projections from the Treasury Department, the U.S. government could start defaulting on its debt as soon as 5 June (2023).

The U.S. government has never defaulted on its debt. If it were to do so now, the effects would be felt throughout the world, due in part to the use by other nations of U.S. Treasury bills and U.S. dollars. Not to mention possible effects on the U.S. stock markets and those reverberations globally.

Such brinksmanship has happened a few times previously in the U.S. And government shutdowns have also happened before (as they are threatened to possibly happen again now). But this time it feels different, for a couple of reasons.

My primary reason for concern is the bitter, unyielding, mean-spirited partisanship that we have seen on display in the Congress (and the U.S. writ large), for several years now. I no longer have confidence that politicians will be rational actors, concerned for the well-being of the nation. Instead, they prefer to fight like junkyard dogs, concerned only for their definition of “winning.”

My more immediate cause for concern is the fact that my primary bank, USAA, has previously given its members “guarantees” on their government pay during previous government shut-downs, in the form of depositing our paychecks, pensions, and disability checks as normal and making the funds available to us despite not having received the money (yet) from the government. This has been invaluable to many military families.

But USAA suffered its first ever loss last year ($1.3B net), and I don’t know whether they will again front us the money if the government shuts down, which would cause a serious liquidity issue for our family.

To be sure, USAA is not required to make funds available in our accounts which the U.S. government has not released. They have done so in the past as a courtesy. If they were unable or unwilling to do so this time, I would not hold that against them. But we would definitely have to tighten our belts!

Right now, military pension and VA disability are our only sources of income. Spousal Unit started teaching a course at the local college this year, but SU’s summer course didn’t get enough enrollment, so no teaching income this summer (right when it could matter most).

We are very fortunate that we have investments, which we could use to pay our bills, but we’d really rather not pay a higher tax bill this year because we needed to cash out some equities to cover an unexpected loss of income due to political shenanigans.

What about an emergency fund? Aren’t I always recommending one? Yes. Touché, dear reader. In fact, we had been in the process of rebuilding our emergency fund when this manufactured crisis reared its head. We currently have only 1-2 months of expenses in our emergency fund (which is still better than nothing!). The money lasting 1-2 months is predicated upon us turning off pay-in-full autopay on our credit cards (which we were using for home improvements) and only paying the minimum balances until the crisis is over.

We will also have to postpone the financial and physical help we were planning to extend to several family members this year. Financially, we can’t give what we don’t have, and the physical help would require travel plus the purchase of materials for the project, and that suddenly isn’t in the budget anymore.

Additionally, we are concerned about My Boomer Parent, who would lose their Social Security check if the government defaults on its debt and shuts down. We have always been financially secure enough to assist them until now, but losing all of our income could make us unable to help them this time. (Or, again, we could help them by dipping into our investments and paying a higher tax bill to cover government malfeasance.)

We have been living a comfortable FIRE lifestyle, cash-flowing our expenses from our secure military pension. But we have lived much more frugally in the past, so we have skills to draw upon.

Belt-tightening Measures: During the ride to my medical appointment this week, Spousal Unit and I discussed the expenses we could trim. Cable TV, which we’ve only had since I became chronically ill, would be first to go. We will also be eating down the pantry, which is full of staples like lentils, rice and beans, and the chest freezer, which is full of meat bought on sale, and only buying fresh produce from the store.

We also have some canned meat (chicken, tuna) in our pantry, as well as plenty of rice noodles. Proteins stretch further when served in dishes like soups, stews, stir-frys, casseroles, etc. [Learned that in Survival School!] So we’ll be stretching our meals with noodles, rice, beans, etc.

Thanks to a tip from the blogger known as Military Dollar, we have a stockpile of dehydrated refried beans in our pantry. They’re a great staple and we eat them at least once a week. All you have to do is add water and heat!

We can easily catch fresh fish here, which we have been eating about once a week – we can eat fish more often. We learned from Alaskans to substitute fish for other proteins in dishes like spaghetti or lasagna.

We don’t have much of a garden yet. We currently grow lemon grass, ginger, and pineapples. Growing more produce is something we’ve been wanting to do, though we don’t have much land. We will be able to harvest seagrapes once they mature late this summer. We typically make syrup from them, as we haven’t been able to make it set for jelly. We could probably also harvest coconuts from obliging neighbors. As long as we buy some limes, we should be able to prevent scurvy. 😉

We will also review our accounts for recurrent charges. We don’t have very many – we try to avoid monthly subscriptions – but it’s always good to periodically review as they can creep in.

Rainy season has begun in South Florida, so we will be watering our plants less, which should help reduce our water bill. Cutting cable TV will help with our electric bill. We have plenty of books to read, and can get more from our public library (including with the Libby app).

Other Income Streams: Spousal Unit will be teaching again in the Fall, which will bring in a little income. If necessary, they could teach more classes per semester, which would bring in more (non-federal) income. I could consider monetizing this blog. We could withdraw money from our investments. We will almost certainly use up our emergency fund.

Stop-Gap Measures: We could look at Home Equity Line of Credit (HELOC) interest rates and compare them to the interest rates on our credit cards. It might be cheaper to apply for a HELOC than to run up credit card bills, if the rates are more favorable. We could also look into loans against our equities, which I know very little about, but have learned about recently. We could also turn off the “reinvest interest and dividends” option on our investments, so that these would be paid to us directly, rather than being reinvested.

To be clear, Spousal Unit and I will be okay. It’s (hopefully) just a short-term liquidity issue. Many of my chronically ill/disabled friends will feel the pain of a default/shutdown much more direly, especially the ones whom the government prevents from having assets. I am acutely aware of our privilege.

I’m blogging about this for several reasons:

  1. To reduce my stress by thinking through my options.
  2. To highlight the effects of the default/shutdown on military families (and government employees, and seniors, and the disabled, and…)
  3. To acknowledge that the current U.S. political climate is making me reconsider my retirement plan. Our military pension and VA disability benefits are not as fiscally secure as they once were.
  4. To consider the ripple effects through our family if we can’t help family members due to our own lack of financial security. A big enough crisis takes down us all.

Bottomline: Given today’s political climate, it would behoove us to increase our emergency fund to 6-12 months worth of expenses, as a shock absorber, whenever we’re able to do that. In the meantime, we’ll brush off our extreme frugality knowledge and skills and tighten out belts. We’ll also explore stop-gap liquidity measures and re-evaluate our retirement plan.

Note: While I rarely talk about politics on this blog, as this post shows: personal finance doesn’t happen in a vacuum – politics are embedded in finance and vice versa.

Note: If you, too, need to tighten your belt, and you’d like some frugal ideas, I recommend The Tightwad Gazette books (also complied in one volume now as The Complete Tightwad Gazette), written by the Frugal Zealot, Amy Dacyczyn. She’s one of the OG’s of frugality, FIRE’d *before* FIRE was a movement, *and* did it all as an enlisted member’s military spouse. Her book(s) are chock-full of great frugal ideas.

No Spend January – Results

So how did I do at not spending any discretionary income in January? Well, I did spend more than $0, but I have no regrets.

As planned, I spent discretionary income for one restaurant meal – our quarterly dinner on the way home from medical Botox injections. Spousal Unit & I thoroughly enjoyed it, as usual. [We ate in our vehicle, because we’re still not dining indoors.] We also bought lunch at the grocery store on this trip, but one could argue that belongs in the groceries category, rather than discretionary income. Either way, it’s what we do once every quarter, and I always enjoy it very much.

Other than that planned expense, I also spent discretionary income this month on presents for a couple of family members. In addition to these presents, we also paid for postage to pass along a few things we no longer use to 1. a family member and 2. a friend who wanted them. [Downsizing for the win!]

And I bought more anticavity fluoride mouthwash, which arguably would fall under a budget line item for sundries, but it is notable as the only thing I bought from Amazon this month.

So I did spend some discretionary income this No Spend January but I still consider it a win because the spending fast *did* reset the profligate mindset I had in December.

[Note: When I reconciled my credit card statement for January, it reminded me that I also spent for Patreon support of my favorite podcast, The Golden Ratio. Gotta remember those subscriptions!]

I was strongly tempted once this month to get takeout, but was saved from myself by the fact that the restaurant was closed when I attempted to place an order. (Thus leading to my discovery that they’re only open for breakfast and lunch.) Since then, I have had no major cravings for takeout.

I was also tempted several times to buy things I need/want for ongoing house renovations (which arguably are also things one could plan for in one’s budget). But I resisted because the greater goal was to reset my spending mindset.

Since I am an abstainer, once I go off the rails in December, I need a spending fast in January to get back on track. (Resetting from ALL to NOTHING.) However, it is also true that I could just set aside a designated amount to spend during the holidays and stick to my budget, and hopefully that would prevent me from getting into the SPEND mindset. Maybe I’ll try that this year.

As far as the criticism that some people manipulate the challenge by shifting their spending to the month before or the month after a no-spend month? To be fully transparent, I do intend to order some of those home renovation items in February. My goal for January was to reset my spending mindset, which I believe I have done. But the projects still need to be completed.

However, I will continue to try to resist takeout meals in February. We have house guests coming in March, so I hope to defer my eating out and entertainment spending until then.

In the mean time, we will continue to eat down the pantry, and we will continue to catch fresh seafood. It’s really not a deprivation to avoid takeout when you have the ocean’s bounty to (sustainably) enjoy.

RESULTS: I did not succeed in spending no discretionary income in January, but I spent in alignment with my values (one treat meal, presents for family, healthcare item, podcast that brings me joy).

CONCLUSION: I found that this No Spend January made me reflect on the excesses of the holidays (not only spending but also eating). I think I’ll try this year to resist the temptation to buy ALL THE THINGS and eat ALL THE THINGS by being mindful of the fact that I am an abstainer and that it is so easy for me to get derailed by the holidays, and by enacting some safeguards ahead of time to keep me from getting off track and needing to spend at least a month afterward recovering.

ACKNOWLEDGEMENT: I acknowledge that it is a privilege to have discretionary income, and that it is a privilege to have enough money to be able to splurge at the holidays. It is also a privilege that I did not have any emergencies come up during January to force me to spend money, discretionary or otherwise.

BOTTOMLINE: No Spend January *did* reset my spending mindset, as expected. If you are a moderator, you may not need this or find it helpful. If you are an abstainer, give it a try and see what you think. It might be just the ticket to get you back on track.