Spend your money, time, & energy on purpose.

When I was 18, I packed my bags and moved to Germany for a month, fueled by visions of soft pretzels and hard cheeses.

I was taking part in an exchange program and – like all 18-year-olds – I already knew everything. Before I even boarded that Lufthansa flight, I knew what I’d learn from my time in Germany.

I was sure my trip would teach me:

• How to speak German more fluently

• How to pack light

• Maybe how to finally understand soccer???

And did it? Yes, that trip improved my German and introduced me to one-suitcase travel. But more importantly, it taught me how to enjoy my own company and feel at home (almost) anywhere. I learned how to make friends across language and cultural barriers. I figured out how to take up space without apologizing.

All helpful, important things to learn! But since I was 18, I didn’t necessarily make the connection. I didn’t realize what I’d learned from my experience. I felt smug when I tested out of the second language requirement at college and that was about it.

Cut to ten years later and I’m heading to Wellington, New Zealand to get my M.A. in Applied Linguistics. And just like last time, I’m pretty sure I know how this is going to shake out.

What I expected to learn in graduate school:

• Pedagogical theory

• Neural Plasticity and how it affects our learning

• Plosives and fricatives

And yes, sure, I learned those things. I also learned how to share space with multiple roommates, how to manage my time so I didn’t have to pull all-nighters, how to navigate the New Zealand healthcare system, and that I’m not really suited to graduate-level courses that are taught exclusively online.

It only took me ten years and multiple epiphanies to realize that learning is multi-faceted and multi-layered. It only took me a decade to realize that

Sometimes we think we’re going to learn A, but life is really committed to teaching us B. (It’s probably a good idea to learn both.) Share on X

We think getting a dog will help us get outside more, not knowing that we’re going to learn about loyalty, responsibility, and why consistency really, really matters.

We think decluttering is about bringing things to Goodwill. But anyone who’s watched Tidying Up can tell you that releasing things that no longer fit our lives is a lesson in grace, intentionality, and self-awareness.

I see this a lot in my Bank Boost program (a pre-holiday round starts November 2nd! Join us here!)  In Bank Boost we talk about a lot of nitty gritty money things: why you should pay for things with cash, how to rescue money that’s in places it shouldn’t be, how to use x tool to earn y amount of money.

But we also talk about making sure that your money is bringing you joy, that you’re squeezing every ounce of happiness out the money you spend. We talk about being willing to get uncomfortable – whether that looks like asking for a raise or telling your friend you need her to repay that money she borrowed.

When we do this – talk about happiness and discomfort and self-advocacy – something surprising happens. Yes, Bank Boosters add hundreds or thousands of dollars to their bank accounts.

Just as importantly they start getting braver in other areas of their lives. They have really tough conversations they’ve been putting off. They send a third follow up email. They stand up to the shitty landlord.

They take their awful ex to court. Here, shared anonymously and with permission, is one woman’s story:

“I took your advice on the “uncomfortable” strategy but probably not in the way you meant. I spent 33 years in an abusive relationship and I finally got my divorce in April.

My ex was supposed to be paying me support during the divorce and he owes me alimony now. But I was afraid and I let him get away without paying me. But you taught me that I deserve it so I took him to court!

The judge ordered him to pay me everything he owes me plus my legal fees. I ended up getting over $6000 and I was able to pay off all my credit cards.

(He also had to pay my lawyer over $10K in legal fee so I don’t have that hanging over my head anymore.) For me, this was HUGE.

Having the guts to stand up to him and demand my rights was something I never thought I would do. Thank you for giving me the courage to do that. Thank you so, so much!

Now I can start planning for MY future. I want to someday buy a house all by myself and now that it possible.”

What would happen if we opened ourselves up to learning what life was trying to teach us? How would our lives change if we made space for unintended lessons?

Photos by Max Yamashita and Geordanna Cordero-Fields on Unsplash