A Letter to my Younger Self

Dear Younger-Version-of-Kaelagh,

It’s me, the older version of you! I just wanted to let you know that you are doing a great job balancing two jobs and your education. Not only that, you volunteer at different events, and always make time to spend with your little nieces and nephews. So with such a loaded schedule, there’s something I’ve been wondering for quite a while now – How do you still find the time to spend so much money?!

You need to take that hard earned money to the bank. Don’t get me wrong, you can still spend some of the money you’re making. But honestly, do you really need 20 pairs of shoes? Do you have to buy the newest Macbook whenever one comes out? I think not. You want to have something great to show for all of the time you worked when you were beginning your adult life. Your 25-year-old-self will surely thank you if you do!

Listen to Mom, and save at least half of the money you make waitressing at the diner every week. Start getting your other paycheck from the pharmacy directly deposited into your savings account, too. Stop letting that cash burn a hole in your pocket! Before you know it, you’ll be buying a house of your own, and that money you’re saving will add up quickly and be a huge help to you!

One more thing – it’s OK to miss a concert. If you skipped half of the shows you went to, you would probably be living in a mansion right now. You will see plenty of concerts in your lifetime so pace yourself.

Overall, I would say you are doing a great job as a young adult. I just want to give you one more piece of advice… stop dying your hair pink! You will laugh at those pictures in a few years.

Your friend,


If you had to give your younger self one piece of financial advice, what would it be?



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