Not All Financial Advice Has to Make Perfect Sense — And That’s Okay

We’re taught that financial decisions should always add up.

That if it’s not the lowest interest rate, the highest return, or the most optimized strategy it
must be wrong.

But not all financial advice has to make sense in terms of dollars and cents.

Sometimes, it needs to make sense for your life; your energy, your season, your mental
health.

Yes, on paper, you don’t want to carry debt.

You don’t want to pay interest on a line of credit or credit card.

You don’t want to stretch yourself to book a trip you can’t fully afford upfront.

But sometimes… you do it anyway.

Because you need to.

Because you’re human.

Because your money is meant to support your life, not restrict it.

Real Life Isn’t Always “Optimal”

Maybe you use a borrowing facility and carry a balance for a few months.

Maybe you take that vacation and spend the next six months paying it off.

Would a traditional financial planner tell you that’s the “wisest” move”?

Probably not.

But here’s another lens:

It might be the wisest thing you do for your spirit.

For your mental health.

For your memory bank.

There’s no shame in using a financial tool that exists to help you bridge a gap, especially
when you know the plan to repay it, and you’re not avoiding reality.

Gratitude beats shame every time.

Instead of spiraling into guilt about carrying a balance or not investing “as much as you
should,” pause and say:

“Thank you for this tool. Thank you that I have access to credit, to options, to freedom.”

Every Dollar Doesn’t Need to Be Justified

We’re so quick to judge spending our own, and others’.

Someone spends $100/month on wine and restaurants, and we call it a “waste.”

You spend $100/month paying off a vacation, and suddenly it’s “bad debt.”

But here’s the truth: $100 is $100.

What matters is the meaning behind it.

If that trip gave you something you deeply needed filled with rest, joy, perspective,
reconnection then how is that a worse use of your money than takeout or entertainment?

Your money is meant to support your values and your aliveness.

If it’s doing that, it’s working.

Long-Term Planning Still Matters — But So Does Now

Could you invest that $1,000 and watch it grow over the next 10 years?

Sure.

But if you’re in a season where you need that money for stability, for care, or to reclaim a
sense of self then the “right” investment is in you.

Time horizon matters. So does context.

Sometimes the most financially sound decision is the one that supports your wellbeing now
because it allows you to keep going, creating, healing, and showing up.

Use Money to Live, Not Just to Accumulate

So here’s the shift I invite you to make:

When you make a financial decision that doesn’t check all the “smart strategy” boxes, stop
asking, “Was that good or bad?”

Start asking, “Was that aligned?”

Did it meet a real need?

Did it support the version of you you’re becoming?

Because that’s the point of money.

To help you live.

To hold you up.

To create a life that feels rich — not just financially, but emotionally and energetically too.

You weren’t brought here to just accumulate.

You were brought here to live.