I do the gummy ones only because it's too dang early to be up and I don't want to have to pee during the race so coffee before it is not an option. But I also don't use it to train so it's explicitly a race day thing. And because I suck my energy tanks at some point so I use it to prolong my agony and stay in the race…

I get dogged for drinking frappes when I want a treat so for me it’s not acceptable by my peers. I just really like a frappe. I used to like lattes too till I started making them at home and now I prefer that. Starbuck’s lattes are still good but I like money and if I’m going to treat myself it’s going to be with…

Oh yea, when I’m sick I’ll drink it but I have to be very sick for that.

Never happened to me but I still suck and I’m mostly just walking my 10ks even though that still feels like death. But I also bring water with me and alternate between the two. When I dilute it it’s because of the taste. Ugh. Note that I don’t bring them during my practices, they’re a special treat for actual 10k…

I pack a little with me when attempting a 10k or more because you need a little pick me up while out there but I also drink water while doing a race. I know they are crutches but until I’m good enough to go on my own I’ll keep bringing them to give me a little liquid sugar during the race.

I guess you just have to get tired of your own bs. Essentially what happened to me. But reading these kinds of things does help. It stays with you and your process it over and over again eventually, like inception you’ll be more likely to actually track and take control. Good luck!

That is the hard part. Actually being accountable is super hard. And my hub rarely ever tells me no. Not that I’m nice when I’m told no and I’m in a bad zone so it’s not his fault. I wouldn’t want to tell me no either. I found going to therapy to work on other issues gave me the foundation for change that I…

I read it as this is being directed to those who can’t save or are always short.

I didn’t read it like that at all. Maybe you’re seeing something there because that’s how you actually feel. That’s how it was for me before I finally stopped spiraling down a debt hole and climbed my way out.

I plan on financing full retirement for us but likely won’t fully retire for the reasons stated especially since I hope we retire a lot earlier than most and that’s just going to get boring. It likely won’t be traditional employment, maybe it will be working for myself, who knows. I do know that I don’t want to…

I always try to use WD40 first because it’s easy and I have way too much on hand of it that I got to fix some door creaks a long time ago.

My first thought was be healthy, take care of yourself and the things important to you in your life (could be read as a functioning adult), take a little pride in how you look and have a decent personality and interests (don’t be boring). That includes taking care of your mental and emotional health and overall just…

I’ve found that when I joke it’s usually closer to the truth than I’d ever like to admit, even to myself.

There’s something about doing it close to when it happens and manually putting into an excel sheet that makes it feel more real. I’ve done it the other way and there was a disconnect versus doing it every day as it happened and manually doing it. It’s way more personal and real.

I did it out of necessity of moving to weekly paychecks but it was a huge eye opener. It gave me the power to become credit card debt free in 9 months. It would have been a year but some obligations came off outside of my doing which accelerated things.

And yet if you do know you’ll have the power to do something about it. Without knowledge there can be no change.

I’ve done this but I’d suggest doing it for more than 30 days. I think it took me maybe 45-90 days of inputting items and having it sink in just how nuts my spending habit was. I think it should be relative to how bad your spending habits but those aren’t always apparent to people so assume you suck. Also 90 days…

It's nice that they're catering their info to this new economy. It also helps you in deciding if ride sharing should be a larger component of your income.

Capital one sent me a card when I was 16 so there was that. I had to redo my credit history because I screwed up after college but soon most of that should be falling off. I hope, anyway.

$15 a month isn’t splurging, that’s highway robbery. You should be able to get a score for free from discover card monthly whether you have an account or not and get your free credit checks each year with each credit service. That should do it. And credit monitoring won’t necessarily stop identity and credit card…