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The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It

Much is made in personal finance circles about personal responsibility, attributing success and failure to a particular financial decision. Not in the weird, political, shaming-you-for-being-born-poor way, but in the here-is-how-you-game-the-system-to-get-ahead-now-don’t-we-all-feel-clever kind of way.

In many respects, it’s solid advice! We talk about how making decisions based on ethical consumption saves you money and the planet; how you should be mindful and careful of where your money goes, lest you waste it on shit you don’t actually like or need; how every day the choices you make affect your financial future in large and small ways!

For a bunch of money nerds, gamifying personal finance by connecting calculated decisions to building wealth is exciting stuff. I’m getting a little hot under the collar just thinking about it!

Oo-la-la, hit me with that strong ROI, baybee...
Oo-la-la, hit me with that strong ROI, baybee…

I’ve made some pretty big money decisions in my time. Some decisions were purely financial. Others were personal decisions with a big financial impact. Sometimes I chose right. Sometimes I really, really chose wrong.

Today I want to tell you about one of the biggest personal financial decisions I’ve ever made… and why I would never recommend it to anyone else.

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Hand-me-down diapers are...not a thing.

You Don’t Have to Have Kids

I’ve spent a lot of time with kids over the years. I babysat in high school, I was a nanny in college, I look after my friends’ children on a regular basis, and I’m the proud auntie of the World’s Cutest and Smartest Nephew (he blew the competition out of the water). In fact, I have so much childcare XP that babies magically stop crying the second I pick them up and I can prevent small children from smearing spaghetti sauce on the wall with barely a glance.

All of this time spent with other people’s children has made me absolutely certain of one thing: I don’t want to have kids.

Fortunately for me, I don’t have to. And neither do you.

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