Know Yourself First

When I realized my marriage was over, one of the first things I started thinking about was how much harder my life was about to get. Everything was going to be harder. I was becoming a single parent for half my waking hours, starting that new chapter with drastically reduced finances. Those thoughts were part of why I’d tried to hold the marriage together for as long as I did; it genuinely seemed easier than starting over with a whole new set of harder circumstances.

I went into my divorce carrying a huge amount of fear and uncertainty. I also felt like everyone else- my ex, my lawyer, the broader machinery of how divorce is “supposed” to happen- was the one actually controlling my life. I didn’t feel like I had any say in what came next.

So I switched to autopilot and tried to get through the entire process as fast as possible.

I drove myself through the divorce without ever pausing to actually figure out what I wanted. We used the Collaborative Approach, and after five months of meetings, we had a draft agreement and were essentially done. It took five months mostly because we could only manage one four-way legal meeting per month; coordinating three- to four-hour sessions across four busy schedules wasn’t fast. Our lawyers kept trying to get us talking about what actually mattered to each of us. Mostly I just thought, can we skip the needs and values part and get on with it?

Then I went through a six-week back-to-work program for women. The same thing happened during the early self-analysis portion: can we get on with it? I need to write my resume.

Eventually I was done. Divorce finalized, resume in hand.

But I was no closer to actually knowing what I wanted. Still running on fear. Still convinced the best part of my life was already behind me.

And nothing was working. No job offers. Resumes disappearing into total silence. I was stuck, scared, and unhappy.

Things only started moving once I actually took the time to figure out what mattered to me. Yes, I went on the full mid-life soul-searching bender, because I finally hit the point where fear stopped pushing me forward and started freezing me in place entirely.

Figuring out what actually drives you is an ongoing thing; it never really stops, but about six months into that search, I had a list of my seven core values, because I’m a type-A accountant and I like my lists, and I put it up on my wall.

That list turned out to be genuinely useful for decision-making, especially around money. It helped me figure out both how I wanted to earn it and how I wanted to spend it.

If you’re finding money decisions hard, the way through is some good old-fashioned self-reflection. Once you actually know yourself, it stops being hard to tell when a spending choice is wrong for you, and it becomes obvious when one is right.