10 Of Our Favorite Money Diaries Comments

Welcome back to Money Diaries Monday!

Although Money Diaries Month is over for now, we'll continue taking a deep dive into Money Diaries in a variety of ways, from recurring articles as well as fresh pieces for the MD community.

Today, we're revisiting the comments section and highlighting some of the most fun and thought-provoking comments that all of you shared since last month. Here are 10 that made us laugh, pause, and/or reflect on the many lifestyles that women lead in the country today.

YooYung Ko
Last month, a 28-year-old government analyst in Sacramento shared her fascinating Money Diary, in which she shared what it's like to live on a farm with her boyfriend — and many animals.

In the diary, she explained that "we just got some baby goslings and because I think it's hilarious, I named them all Ryan" — a fact that everyone loved, so much so that the Ryan Goslings inspired some Photoshop magic from YooYoung Ko.

"Goslings!" she wrote, sharing a very fun image.

On behalf of everyone, YooYoung, thanks.
"So far, so good. *SO* good."

One of our younger diarists, a 19-year-old store manager in London, wrote about having a lot of responsibility at her job, at a pretty young age. She still made time for fun, though, including going on a date that readers wanted to know more about.

"OP here!" she chimed in. "I only wrote this diary about three weeks ago — so far, so good. SO good."

Love it — and best of luck with dating, and all the other aspects of life, too. And, heads up to all our readers, we're currently looking for diaries from people dating, diarists in college, and diarists who are moms getting ready for back-to-school season. See more details here.

"Your choice to stay home to save money is such a wise decision, wise beyond your years."

In a very recent diary from NYC, one OP, a 26-year-old nonprofit employee making $52,000 per year, wrote about her decision to live with her parents while paying off debt. Her choice provoked a lot of discussion from people who could — and couldn't — relate.

"BEAUTIFUL!" wrote Cosmic Watermelon. "You are by far the most refreshing diary I have read in a long, long time. Your choice to stay home to save money to pay your debt and for your future is such a wise decision, wise beyond your years. You are going to have a huge leg up that others would only dream of, all [because] you have a good head on your shoulders and know what comes first. Life is so difficult at times but you are making a decision to provide for yourself in such a better way and give yourself this extra money. You aren't sacrificing a life either you clearly have well rounded fun along with [commitment] to your plan. A true inspiration."

Another commenter, Powerful Leaf, also championed the diarist's decision to live at home — even with the understanding that it isn't something everyone can do, for a variety of reasons.

"Yes, you are very lucky to have this privilege. I wanted to do the same but I came from an abusive home and it wasn't safe for me," they wrote. "I stayed for a while after being worn down to feel I didn't deserve better but at a certain point I had to get out. I say keep doing this you seem to be able to manage your goals accordingly."

Finally, Heroic Compact shared their story of living with parents (who could not pay for school), and then later living with a partner.

"Hey! You're doing great! I lived at home until I was 25, work in nonprofit fundraising making a similar salary and use that opportunity to pay down debt," they said. "My parents were not able to pay for my education, but they could let me live at home rent free after college to help ease the pain of paying off those loans. I am so happy I could get a jump start on paying those down and saving before I moved out into the Boston rent market which is also atrocious.

"When I graduated, I was making $30,000, driving 90 minutes each way in a car I bought myself, spending almost half my paycheck on rent, and almost half towards my loans. The rest went to savings. Now, at 27, I live in Denver with my boyfriend, and I feel like the choices I made at 23 have put me in such a good place financially. Moral of the story: different strokes for different folks and keep killing it! Happy to see someone with a similar experience to myself post-college."

"I gradually learned to exaggerate the wait time to customers."

One of the best parts of the comments section is learning about jobs that other people have. For example, in a recent Boston Money Diary from a 28-year-old associate working in private equity, one commenter, Heroic Martini, explained the rationale behind stating long wait times in the hospitality industry.

"About your getting seated in 20 minutes when you were told you had to wait 1 hour," they told the diarist, "when I worked as a hostess, I gradually learned to exaggerate the wait time to customers because even if people are finished eating, there is no guarantee they'll ask for the check and leave asap. Which means as a hostess, you're left dealing with customers screaming at you like, 'You said the wait would be 20 minutes and it's been 30! What are you going to do about it!'

"I learned it's better to overestimate the wait time so the people who want to be seated soon can filter themselves out and the people who choose to wait are happy that they can eat earlier than expected."

Mystery solved.

"This diary had so much debt, hustling, and product name-dropping that it gave me capitalism angst."

One recent diarist, a 28-year-old executive assistant in Palo Alto, who moonlights as a receptionist on the weekends, wrote about the long hours of her day job, the hustle involved in her side job, and explained her beauty regimen in fascinating detail.

The most-liked comment came from Fierce Pineapple, who said, "This diary had so much debt, hustling and product name dropping that it gave me real capitalism angst."

While the comment is certainly a critical bit of social commentary, what is interesting is the pithy way that Fierce Pineapple suggested that the debt-driven, hustle-hard, product-friendly lifestyle many people can relate to says something about society today. The topic reminded me of a conversation I had recently with photographer and documentarian Lauren Greenfield about her new book, Generation Wealth. It also reminded me why we do Money Diaries in the first place. Sure, to learn from other people (both their mistakes and their wins), but also to get a closer look at how we spend our money. There's always someone who can relate.

"It might sound like an easy job but at the end of every day I am spent."

In the same Money Diary, the OP herself dropped in to share more details about what being an executive assistant entails. Not everyone is familiar with the profession, and many people expressed surprise that she should be paid so much, even given her location. Here's what she had to say:

"I manage their schedule professionally and personally, which can change up to 20 times in a day and some scheduling for their wife too. I manage all travel logistics, all expenses, all their credit cards — for work and personal. I plan and execute all their events — again professionally and personally. I coordinate with their exec team on meetings and projects. I work with our board of directors and help some clients get connected with our partners. I also manage the office and all our internal fun events.

At any one time, I can be juggling five events and travel for 10 people. It might sound like an easy job but at the end of every day I am spent. At a bigger startup or larger professional company, I would be making at least $20K - $30K more in salary."

"Suing is about as fun as getting sued TBH."

Our recent Austin, Texas diarist, a 29-year-old customer service employee making $38,000 per year, wrote about having her credit score damaged by a relative who opened several credit cards in her name in the past.

While many commenters were firm about believing that going to court would be the best way to resolve the situation, others could relate to the diarist's decision.

"I'm so sorry about the credit fraud OP! I understand how complicated familial relationships can be, and suing is about as fun as getting sued TBH," wrote Heroic Cash. "Good for you for moving past it and working on fixing your credit. You are super relatable and a breath of fresh air!"

"Both serve an important role in helping patients in this struggling healthcare system!"

One July Money Diarist, a 30-year-old nurse practitioner (NP) in New York City, generated a lot of conversation after writing about the dynamic between doctors and nurses in her field.

"I've had bad luck lately with older physicians being condescending (and sometimes super-rude) to me via phone when I say I'm an NP, so I am relieved that this guy is a normal human," she said on Day Six. "It seems like everyone I encounter in medicine under the age of 65 is pleasant enough, but when I cross that age barrier, people somehow think NPs are the devil."

This comment thread started by Powerful Cash provided a thoughtful, insightful look into American healthcare.

"As an NP in NYC myself, I make it a clear point to NEVER refer to myself as a doctor. However, the commentary by the MDs on this post seem to suggest that NPs and PAs got into their fields to try to pretend to be something we are not!" they wrote. "I became an NP not because I'm not smart enough to go to medical school but because I wanted to focus particularly on primary care (a field that is lacking in skilled providers of every level), and do my part in the over-burdened American healthcare system.

"Mid-level practitioners have a great opportunity to provide care, referring or consulting with specialists (including other PAs, NPs, and MDs) when necessary. In my time as an NP, I have seen both NPs and MDs make decisions or diagnoses I do not agree with, but that does not mean either is inherently a bad practitioner. Similarly, I have had experiences as a patient with both NPs and MDs that have been less than satisfactory. However, ultimately I believe both serve an important role in helping patients in this struggling healthcare system!"

"Seeing people balance internships, both well and not so well, is healthy and helpful for young adults."

Our week of intern Money Diaries generated some conversation about the point of seeing budgets from people who aren't in the "real world" yet. Hopefully, the variety of diaries we included showed the many ways that people can be interns — full-time, part-time, in undergrad, working as a graduate student, during the summer, or while working at a different full-time job.

In the comments section of the Money Diary from a 24-year-old unpaid intern in NYC, Strong Avocado wrote:

"Just because you're over that phase of life doesn't mean it's not interesting for the actual target demo of R29, a.k.a. millennial women. Boomers fucked the economy. Our parents helped some of us out. Yes, we're taking internships so we can have a shot at career instead of walking uphill both miles in the snow (though this poster does?).

"Seeing people balance internships, both well and not so well, is perfectly healthy and helpful for young adults who can't always talk with their peers about making it work. wasn't that part of the incentive behind money diaries, dealing with the taboo of discussing finances? Anyways, just know that not everyone is crotchety about this. Go interns!"

"Is it weird to be proud of someone you've never met?"

We also loved the outpouring of support for one of our other interns, a 22 year old living in Washington, D.C., who networked her heart out.

"You are kicking butt at life!" wrote Fabulous Java. "Your budgeting is so impressive, even that you did so much in NYC on a relatively small amount. Is it weird to be proud of someone you've never met?"

Peaceful Condom's reply made us LOL: "Maybe it's weird, but I was too," they said. "I am not nearly so self-controlled when I travel. I'm like, I'm on vacaaaation, order the bottle of wine, wooooo! and my husband is always like, Babe, it's 11 a.m. and it's $90."

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