California E&S Insurance

My partner is not a leftover lover either. We both grew up with mom's that cooked basically every night, but he's from a larger family so there was rarely any leftovers. My mom always made sure there was leftovers, especially for her popular dishes. Sometimes it tastes better the next day or the day after that! I wanted to be really transparent. I grew up with ZERO financial education, which is absolutely wild to me because my maternal grandparents were excellent with money (both gone now, but both born just before The Great Depression). I don't know if my parents ever tried to talk to me about it and I just said "meh," or if they just never did. The only advice they really gave me was "pay yourself first," aka put a small portion in savings. But they did not teach me about HYSAs, CDs, investing (apparently they DID do some investing too through a financial advisor), etc. When I read money diaries here or on R29, and see people with diverse and multiple savings accounts, I'm floored and I do a lot of googling because I don't know what a lot of that stuff it! This stuff is also not taught in American schools, which is a massive detriment. To answer your questions... 1.) knowing what I know now, 250% would not have done that certificate program. I did not graduate with student loans at all; my mom worked at my undergrad university so I went for free, as did my youngest sister. I definitely felt a sense of obligation to go there, though, even though it wasn't a school I wanted to go to, because it was free. When I started that certificate program, there were two museum exhibit design firms in Boston and I had connections at both. When I finished, one had shuttered and the other was laying off people left and right. I have classmates from that program that are doing amazing things in the museum world and have "made it," but also a lot of us that ended up not doing anything with that education. It took those successful people YEARS though. 2.) I'm absolutely interested in advice, but not if it comes off in a "holier-than-thou" way or being a jerk. I know I've made mistakes, and I have to live with that. I've also had a string of extraordinary shit luck with jobs; where I went from $45/hr to $25/hr, for instance, I was working on a $3 mil military contract that had been set aside for my work. 3 months later, that contract was yanked from me, my coworkers also had their contracts yanked, and it was either be unemployed, or take a part-time job at $25/hr to continue on the work. I will probably always regret not going after them, but I also know going up against the federal government is NOT a smart move, even if they are in the wrong for breach of contract. That entire experience absolutely broke me mentally, and I ended up with a micromanager who tried to make my life and the life of my coworker's hell. February 2020, I quit (I keep in touch with a lot of those coworkers and everytime that supervisor makes them miserable, they all look at each other and say, "this is why joyapplepowers left"). I couldn't take it anymore. I couldn't get out of bed, I cried CONSTANTLY, I was a walking disaster. I worked up until California shut down, and the week of California's shut down had 3 interviews, 2 that came out to job offers that were rescinded due to the pandemic. I never could have predicted that. So now, here I am at 36, trying to change careers to make better/more money while dealing with this scarcity mindset but also not wanting to miss out on life. Holy shit I wrote you a damn NOVEL. This is why my money diary is so long, hahaha!

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