The Month of Mérida: May 2022 Recap

This post may contain affiliate links. For more info read my disclosure.

I keep writing the date as March instead of May in case you’re wondering how my perception of time has been affected by retirement 🙂 . So let’s see what I got up to in May (not March!).

I Learned Spanish!

So the entire catalyst for living in México for 9 weeks, was to go from knowing basically no Spanish to being able to have a conversation. Well, I’m happy to report that I have SUCCEEDED!

My Mom and I were so fortunate that La Calle Spanish School we chose to attend, was filled with amazing teachers with an immersion focused learning style. On top of that, choosing a city in México where few people speak English helped a lot. Being forced to speak Spanish in class and in life has made me more competent in Spanish after 9 weeks than I was after 2 years of daily Italian classes (which were in Italian) or 7 years of French in school (in English). I’m in awe. Immersion really does work 🙂 .

So what’s next? My stretch goal for the year is to be fluent in Spanish, which I (and the book Fluent Forever) define as being able to talk about anything – even if I don’t know the exact word for a concept, which I can actually do now to a point. However, I haven’t learned all of the past or future tenses so I’m not there yet 🙂 . Once I have all the tenses under my belt, can hold any conversation that’s thrown at me and fully understand movies with Spanish audio, I’ll count that goal as checked.

So how am I going to get there now that we’re leaving México? After class ended, my Mom checked the frequency list I mentioned after reading Fluent Forever and realized we learned about 90% of the most frequent Spanish words during our first month of Spanish class in México. DAMN that’s amazing! I was feeling down about my progress, but I really need to recalibrate.

I’m so grateful I retired early and was able to live in México for months and have my Mom come to learn with me. After we finished Spanish classes, I had to decide how I wanted to continue my studies while in México.

Here’s what I’ve been doing:

  1. I’ve been watching at least 2 films a week with Spanish audio and no subtitles
  2. I started following Spanish speaking FilmTubers and watching their videos (I watch these kinds of videos all the time anyway so getting some language learning in while hearing about a new movie sounds like a win/win!)
  3. My Mom and I started only texting in Spanish
  4. I have a weekly time with my Mom where we watch a show together. We’ve started speaking in Spanish during that as well
  5. My weekly call with my friend in Argentina has switched from English to Spanish
  6. I started following Spanish language FIRE accounts and reading their posts out loud (learning Spanish finance words are fun 🙂 #NerdAlert)

Movies

Here are the movies I watched en Español this month:

  1. Tremors (Temblores)
  2. Pitch Perfect (Tono Perfecto)
  3. Burlesque (Noches de Encanto)
  4. The Accountant (El Contador)
  5. How To Train Your Dragon (Cómo Entrenar A Tu Dragón)
  6. Megamind (Megamente)
  7. Star Trek (Viaje A Las Estrellas)

When I started watching movies in Spanish, I understood maybe one word every 10 minutes. The rest sounded like music  – I could hear the tones, but that’s it. Then about 2 weeks later, I would pick out individual words instead of just tones even though I didn’t know what all the words meant or couldn’t comprehend them out fast enough (I actually also have this problem in English at times 🙂 ).

Then 2 weeks after that I could understand most of what was going on and started saying things in conversations that I had heard in movies that weren’t direct English translations. I would wonder where I learned a phrase, look it up after to see if it was accurate (it was) and realized it came from a movie! I’ve even gotten to the point where I laugh at the jokes in movies in Spanish. It’s wild 🙂 . I never got to this point with French or Italian.

This last month I also watched all of Ted Lasso in Spanish and I found myself basically watching the episode a second time in English because I wanted to hear the nuance of the emotional scenes. It already takes me about 30 minutes longer than the length of a movie to watch it in Spanish because I’m pausing to record new words or look something up. My Ted Lasso watch obviously took more than double the time it should.

So at that point I decided to just stick to silly movies like The Other Guys and Hobbs & Shaw, but a few weeks later when my Spanish got better, I switched back to less ridiculous things because I understood the emotional parts enough to not want to rewatch a scene in English. So lesson learned in case I want to learn another language: Start with only silly stuff and then move to more emotional things once my comprehension is higher.

All of these movies were watched without subtitles, which was a suggestion from Fluent Forever and one that I think has been super important for two reasons. One is that when I have subtitles on, I read them. I’m not solely listening to the people speak, which is what I want to learn how to do most (aka have a conversation 🙂 ). And two, the audio dubs often don’t match up with the subtitles. I don’t know if the actor went off script to make the words flow better or what, but the few times I put on subtitles for one sentence to make sure I had the spelling of a new word right – what was written was not the same as what was being said. I would have been learning the wrong thing!

Cards

Another thing I’ve been doing is creating my own card system based on the Spaced Repetition idea I learned about in Fluent Forever. That book suggests using the digital app and website Anki, which is free to use. I started making cards in the app and found that it didn’t work the way I wanted to use it. In particular, I didn’t want to use any English words and wanted to draw the meaning of a word and the app isn’t set up in a way to do that easily even with the app on my phone, which has its own stylus.

So instead, I created my own card system and instead of just creating a physical Anki style card box, I started by putting the cards around the house in places they make sense, such as kitchen words and verbs being in the kitchen. I also didn’t just put one word on each card. On each card I created a list of words that were associated with each other. As an example, here’s one of the cards that was in my bedroom:

Putting multiple things on one card has helped me create what my partner calls an association web of words, verbs and their opposites so all those things are hypothetically stored in the same place in my brain.

Spreadsheet

The last thing I’ve been doing is bringing my finance nerdery to my Spanish learning with beautiful spreadsheets 🙂 . I’m more of a visual learner so to help me visualize the many irregularities of frequently used verbs in the past simple tense for example, I color coded all of them in the below chart so I associate them in my mind and can easily see in my mind’s eye what their irregularities are.

I’ve done something similar with pronouns and other things that have small differences that are grouped together. I mentioned my spreadsheet to two finance friends and sent it to them at their request. One of them asked if I’m going to sell it and I laughed. Anyway, Spanish learning went really well and I’m excited to continue when I’m back in the US.

I Read 5 Books

This month I read:

  1. Walkable City: How Downtown Can Save America, One Step at a Time by Jeff Speck
  2. The Wicked King by Holly Black
  3. The Queen Of Nothing by Holly Black
  4. How the King of Elfhame Learned to Hate Stories by Holly Black and Rovina Cai
  5. The Wisteria Society of Lady Scoundrels by India Holton

It’s been a lovely month of reading. In fact, reading fiction has basically replaced all the time I spent in April recuperating from Spanish lessons. Even though I love FilmTube, I must admit I like this trend better 🙂 .

If you’re curious about what I’m reading and my ratings of these books, I have a Goodreads account you can check out here.

I Wrote 5 Posts

In case you missed it, this month I published the below posts:

  1. How I’m Using A Roth IRA Conversion Ladder To Access Retirement Funds Early: A Step-By-Step Guide
  2. The Month Of México: April 2022 Recap
  3. Review: Google Fi – The US & International Cell Service
  4. Medical Tourism: A $32 Dental Cleaning in Mérida, México
  5. Medical Tourism: Visiting a Doctor for $2.50 & Filling A $1 Prescription in Mérida, México

A few interesting things happened as a result of the blog this month. First, I was a speaker at the Financial Feminist Summit that Bravely Go puts on every year. This was my first time doing something of that kind. I sent in a pre-recorded talk (which was basically me talking to myself for 40 minutes 🙂 – Weird. I don’t know how YouTubers do it). Then I went on a Facebook Live on the associated Facebook Group to answer any questions people might have. Overall I had a fun time and might not just automatically say “no” to something similar in the future 🙂 . We’ll see.

Something else new that happened was this:

As a result of the podcast I mentioned in a previous update, CNN tweeted about the episode after the fact. Wild. I also got this comment on the blog, which made my heart soar:

Other than that, I flirted with the idea of doing a sponsored post for the first time. A company reached out to me and usually those kinds of emails immediately get deleted. My contact page even warns “I am not accepting any sponsored posts or unsolicited guest posts at this time. If you send me a pitch email about either you will not receive a response.

However, for the first time, my finger hesitated over that delete button because this was a company I recognized and actually had on my to do list to purchase a product from. I was planning to then do a review of the product in case it helped anyone else on this blog. Now I had the opportunity to get that product for free and be paid for an honest review.

This possibility led to an ethical debate within my household as well as multiple emails back and forth with the company. Just the fact that this possibility led to multiple discussions and emails made me conclude that it wasn’t worth more of my time for a small decision. In the end I said no, but I’m curious to hear y’alls thoughts on that kind of situation.

I Hung Out & Watched Movies

I’ve continued to keep in touch with my loved ones by:

  1. That weekly call with my Argentinian friend (now in Spanish!)
  2. Weekly time with my Mom to watch Top Chef (with our commentary also in Spanish!)
  3. A weekly call with my ex-colleague to watch Schitt’s Creek
  4. My weekly movie night with my college friends (which now features some Spanish practice as well 🙂 )

As for that weekly movie night, we enjoyed these films this month:

  1. Memories Of Murder (살인의 추억)
  2. Double Jeopardy
  3. Poseidon
  4. The Fifth Element

If you’re curious about my ratings of movies, I have a Letterboxd account here. In addition I’ve also had some lovely chats with Mel from Modest Millionaires and Ali and Alison from All Options Considered. It was a lovely month filled with a lot of awesome conversations 🙂 .

I Enjoyed Having A Pool & A Deadline

When I arrived in México in late March, I quickly discovered the perfect time to go in our pool to enjoy the sun. Since then, I’ve gone to the pool for at least an hour every day. It’s been a wonderful way to relax and has led to some thinking and revelations.

I realized that the reason I made sure to go to the pool every day was because my time with a pool right outside my house is finite. If I knew it would always be there, I doubt I would go anywhere near as often. This is another thing I love about moving around so much. I never take having amenities for granted because I have limited time with it so I make sure to enjoy it while I have it.

Physical

Sleep

I’ve been seriously embracing siestas 🙂 . Since classes were usually over around lunch, I would usually go to the pool and then feel tired from the sun beating down and have a nap early in the afternoon.  My nap usually lasted from 30 minutes to 2 hours and felt AH MAY ZING!!!

Outside of my new love of daily siestas, my nighttime sleep schedule has been wonderful. I go to sleep quickly and wake up well rested. I’ve also realized that on the rare occasion that I awaken because of a noise, I don’t have that knee jerk angry reaction I had when I was working. I just roll over, snuggle up my partner and drift back to sleep. Lovely 🙂

Food

This month I went off keto to eat all the delicious things I didn’t eat last month in México and it’s been lovely. I’ve been trying a new twist on this and have still been calorie counting and I’ve still been aiming for my normal calorie deficit with the knowledge that since I’m eating out almost all the time that my numbers will be way off compared to when I make my own food.

So I aim for my calorie deficit while knowing I’m probably eating more like my maintenance amount. So far it’s been going really well! I don’t feel as bloated as I usually do when I eat carbs, but I’m still getting to enjoy the local delicacies.

Exercise

So after getting up at 6am to run 3x/week, I started getting sick of going to bed early and getting up before the sun. However, if I decided to do a lie in one day, it was then too hot to run comfortably. So I was at an impasse 🙂 . Luckily my partner felt that early morning burnout at the same time I did.

So instead, I ran less than normal this month and shifted to focusing on my 20 per day squat goal and my new bicycle crunch challenge! I started with 20 bicycle crunches and increased by 2 each day with Sundays off for a rest day and ended the month doing 62 bicycle crunches. Phew! It was a bit of an ab workout. I also started counting these crunches in Spanish to work out my language and physique – next level 😉 .

Mental

Learning

So it’s time for my favorite segment: Fun Facts Nobody Asked For! Here’s what I learned and explored this month:

Mérida, Yucatán, México

  • From the late 1800s to the 1920s, Mérida was apparently one of the richest cities in the world because it was the leading producer of henequen (a plant that is used to make ropes). I never knew 🙂
  • The Cathedral of Mérida was built with stones from adjacent Mayan ruins and is one of the oldest cathedrals in continental America. It was built in 1562.
  • A few years ago it was discovered that the main pyramid at the Mayan ruin Chichen Itza (that we visited last month) has a cenote under it! And not only that, the cenote underneath the main pyramid is exactly in the center of a grid of 4 other cenotes that surround the sight. Cool!

Spanish Language

  • I was having trouble understanding Spanish TV shows last month and tried listening on 0.75x speed for 15 minutes. I turned it back to normal speed, but was curious if there was a reason I felt that urge. My friend Seonwoo mentioned that Spanish along with Japanese actually has the highest average syllables per second. I had no idea!
  • There are 2 words for fish in Spanish: pez/peces and pescado. Fish that’s in the water swimming is a pez or peces (plural), but when you’re cooking fish it’s pescado! The verb for “to fish” is pescar
  • Lagartijas is the word for lizards and also push ups….I guess lizards do hella push ups?
  • I found a site that links to free Spanish audiobooks with accompanying text and a site with free audiobooks alone. Helpful!
  • Apparently different parts of the Spanish speaking world say “you” differently with all associated conjugation changes. I only learned tú in México, but Argentina (where I’m living in November) only uses vos. Other countries use a mix of multiple approaches:
Source

The Sky/El Cielo

This month I started watching basically every sunset and sunrise. It was a lovely way to start and end the day 🙂 . In addition to that beauty that happens daily, this month had some fun astronomical events! There was a Lunar Eclipse, which I was able to see in Mérida. The last Lunar Eclipse, I stayed up super late to see it in Santa Fe, NM, but this time the eclipse was at 11:11pm – not late at all! Overall I was just grateful that I could schedule my day (or night) around cool shit that’s happening in the sky.

Birds/Los Pájaros

Birding in México continued to be amazing 🙂 . I also discovered this SUPER cool migration live feed that’s live March 1-June 15 for spring migration and August 1-November 15 for fall migration.  Anyway, here’s what I saw this month:

Tawny-winged Woodcreeper, Norther Waterthrush, Cave Swallow, Great Kiskadee, Red-lored Parrot, Green Jay, Vaux’s Swift, Barn Owl

Green Jays! (Source)

Flora/Las Plantas

México is so gorgeous and shockingly green even in the city of Mérida. I loved seeing so many colorful plants, trees and flowers and doing my best to identify them:

Agave, Cactus, Wampi, Purple Arrowroot, Heliconia bihai, Adenium obesum, Red ginger, Golden silk tree, Tamarind-Plum tree (This is what I thought was a pistachio tree. The fruit started turning purple while we were there), Peace Lilly (This was in our garden!), Plumeria (Also in our garden! It started flowering in late May and spitting white pollen 🙂 )

Fauna/Los Animales

I was one with nature these months in México! And by that I mean that several lizards snuck into the house and tried to become my friend 🙂 . Luckily they were cute and also appreciated me showing them how to go back outside. Anyway, here are the cool animals I saw this month including some fucking HUGE iguanas that live in our backyard:

Asian House Gecko, Yucatan Squirrel, Bats (no idea what kind 🙂 ), Black spiny tailed iguana, Brown Anole, Rodriguez’s Anole, Rose-bellied lizard, Opossum

Our badass dinosaur neighbor – The Black Spiny Tailed Iguana (Source)

Random

Here are some random things I learned this month:

  • I’ve found a way to estimate converting celsius to fahrenheit that works well until about 30C and 90F. Starting at 0C/30F, I add 10C and 20F to get the next degree so 0C+10=10C and 30F+20=50F. And in reality 10C=50F. It’s an estimate since 0C=32F, but I’ll take it! This is the closest I’ve gotten to understanding celsius temperatures.
  • I saw this image about the population of Canada and it blew my mind:
Source

Creativity

My creative juices continued flowing this month 🙂 . I’ve been thinking and writing more than last month when I was mostly too exhausted from my ridiculous Spanish learning schedule. At this point, I’m less than half a year out from National Novel Writing Month and at this moment, I’m not sure I’m going to go for it.

If that’s my decision, this will be the first time I don’t attempt this challenge after succeeding in November 2020 and 2021. However, I’m not sure a streak is a good enough reason to write a novel worth of words 🙂 . Time will tell.

Emotional

With all the horrible things happening in the world, I’ve had a few depressive episodes this month, but I got through them and didn’t even drop my healthy routines while doing so, which are usually the first things to go in that situation. So I count that as a major win! Guess that Loop Habits app is helping even more than I thought 🙂 .

Overall though I’ve been good. I even spent a week in México alone and was fine with that. I enjoyed the pool and spent my day learning, reading and relaxing. Not bad at all 🙂 .

Money

Spending in México continues to blow my mind. For example:

And overall it was not a surprise to see that I can live in the lap of luxury for about $15,000 a year here:

The market was a confused mess this month, but I continue to live off my cash cushion and forge ahead:

Conclusion

So that’s what I got up to in May! Next up I head to Phoenix, AZ for a Backstreet Boys concert (super important! 🙂 ) and then to my beloved Seattle, WA for 5 weeks. It should be a lovely summer 🙂 . Until next time!

If you’re interested in the other weekly and monthly retirement updates I’ve written, they’re all here:

Weekly

  1. Early Retirement Week 1: The Freak Out
  2. Early Retirement Week 2: The Vacation
  3. Early Retirement Week 3: The Whiplash
  4. Early Retirement Week 4: The Heartbeat
  5. Early Retirement Week 5: The Election
  6. Early Retirement Week 6: The Trophy
  7. Early Retirement Week 7: The Train
  8. Early Retirement Week 8: The Challenge
  9. Early Retirement Week 9: The Question
  10. Early Retirement Week 10: The Game
  11. Early Retirement Week 11: The Recharge
  12. Early Retirement Week 12: The Holiday

Monthly

  1. The Month Of Rest: Early Retirement Month 4 (January 2021)
  2. The Month Of Birds: Early Retirement Month 5 (February 2021)
  3. The Month of Change: Early Retirement Month 6 (March 2021)
  4. The Month of Atlanta: Early Retirement Month 7 (April 2021)
  5. The Month of Portland, Maine: Early Retirement Month 8 (May 2021)
  6. The Month Of New Hampshire: Early Retirement Month 9 (June 2021)
  7. The Month Of The Northeast: Early Retirement Month 10 (July 2021)
  8. The Month Of New York State: Early Retirement Month 11 (August 2021)
  9. The Month Of City Hopping: Early Retirement Month 12 (September 2021)
  10. The Month Of The Southwest: October 2021 Recap
  11. The Month Of Santa Fe: November 2021 Recap
  12. The Month Of Family: December 2021 Recap
  13. The Month Of Freezing My Balls Off: January 2022 Recap
  14. The Month Of Thailand: February 2022 Recap
  15. The Month Of Spring(?): March 2022 Recap
  16. The Month Of México: April 2022 Recap

How was your month?

28 thoughts on “The Month of Mérida: May 2022 Recap

  1. This is a phenomenal post. How cool that you learned Spanish so quickly but more importantly so intentionally. It’s amazing to see what you accomplish when you’re setting your mind on projects other than work. Also I’m incredibly impressed by that spreadsheet.

    I found that reading a book I’ve read multiple times in English (Harry Potter in my case) in Spanish was also a hugely beneficial way to learn. I had to go a lot by context and memory, and then of course looked up words as I went. It’s also interesting that you watch the shows with no subtitles, I always watch my shows with Dutch subtitles on but maybe I should turn them off and try it that way!

    As for your sponsored post, I personally think if it’s a brand you’ve been planning on buying from or working with, an occasional post that would help your readers would be interesting. Heck it would be interesting just as an exercise in seeing what the process is and assessing if there should be a blanket “no”. That’ s just my opinion though as a fellow blogger who would be interested in what that even entails.

    Love hearing about your adventures!

    1. I’m so glad you liked it!! And I like that spin on why I can learn this stuff quickly 😉 . Let me know how those shows go without subtitles!

  2. Amazing month. Love your posts. Your Spanish learning activities and progress is really impressive. I’m so happy for you. I learned in high school and study abroad in college and your example encourages me with lots of simple ways to maintain my skills and vocabulary.

    1. Thank you! And yeah if you adopt any easy ways to keep up the language please let me know – I’m still figuring out how exactly I want to go forward after leaving México.

  3. I’m so happy to hear that your language learning was so successful! Spanish is a beautiful language, and I hope you keep it up.

    And there are Spanish language FIRR accounts?? I didnt even think to look! Would you be able to share your favorites?

    1. I’m planning to! And yeah the main one I’ve been reading is @finanzascanada on insta – their posts and stories are always interesting and give my vocab a workout 🙂 .

  4. Nice post! It’s wonderful that your ability to speak Spanish has progressed so quickly. Merida sounds fantastic.

    Re sponsored posts: it’s up to you. You’ve been consistently transparent with your opinions and decision-making on this blog, so (speaking for myself here) I think you’ve established a level of trust with your audience that would work to your benefit for products you wanted to review anyway. Like, why not be sponsored at the same time and make some money out of it? That makes sense to me. I know for sponsored videos on Youtube that the sponsor reviews the video and approves it for publication, which can interfere with the creator’s process/channel (not necessarily that it always does, but it can). Some creators don’t like that, which also makes sense to me. I don’t know if that’s the same for blogs, but I can see why you’d want to think about it and discuss it with your family and friends. As a reader (and youtube viewer) I’m not a fan of constant sponsored posts – like, yeah, I see what’s happened, and I’ll just not consume anymore, thanks. But the odd post? Where you wanted to review the thing anyway? Not a problem.

    1. Yeah I’m already missing that city 🙂 . And thanks so much for sharing your thoughts on the potential post. I appreciate it.

    1. Haha I like that take. Thanks for sharing that post. I just read it and am not sure what it is has to do with the sponsored post question though. Those don’t have contracts involved to my knowledge.

  5. Fantastic post!

    I’m fascinated to read about your medical tourism experiences. It is SO eye-opening to hear about quality healthcare experiences outside the US for a fraction of the cost. I think there is a perception that we are a global healthcare leader (I say that as a medical professional) and truly, we are not a leader in many cases.

    I also know Spanish, not well anymore, but I did minor in it in college and have always wanted to do an immersion experience like this! You may have convinced me to add Merida to my future travel list!

    1. Yeah – definitely check those posts out for all the details. And yeah it’s wild where the US sits in all this. Also woohoo that’s so exciting!

  6. Hey Purple~
    Long time reader, first time poster! My contribution is on the conversion of temperature. 82F is 28C essentially (27.7778C). I lived in Asia for 8 years/ Europe for 2 years and that’s all I picked up!
    Kudos to you for your self propelled learning journey!
    {insert purple heart}
    Marilee

  7. Within the 5 books you read you had 2 Kings, a Queen and a Lady. Per chance do you have royalty on your subconscious mind? Lol!

    1. Ha! Fair point. The Kings and Queen were part of one series. I have no excuse for the Lady. It just came up ready from a hold I had at the library.

  8. Nice on picking up Spanish so quickly. Immersion really is the way to go. It took me a couple of months to be able to speak in Spanish and maybe 4 to be able to think in it. I found it much easier after that when I wasn’t reaching for words to translate the English thought in my head! Recently I’ve started brushing up with the https://www.espanolautomatico.com/ podcast for natural learning. She’s a very deliberate teacher but what we hear is natural speech and covers a wide range of topics so there’s lots to choose from and it definitely works.

  9. What an amazing month! You accomplished so much, and are quite an inspiration with language learning.

    I mostly came though to say that I recently saw a lizard doing push-ups!!! Had never seen it before, and then you mentioned it’s the same word in Spanish.

    Here’s the video: https://photos.app.goo.gl/3r1H8RkmvHeSb4NRA

    1. OH WOW!!! Thank you for sharing! I was joking about lizards being jacked from push ups, but it looks like the exercise in Spanish is well named 🙂 .

  10. What a great month! Last year I did something similar and took immersive one on one Spanish lessons for six weeks in Guatemala (HIGHLY recommend it if you ever want to further your Spanish studies somewhere else in Latin America.) Like you said it’s amazing how much you can pick up in such a short time compared to years in the classroom in the US.

    As for your sponsored post dilemma, I understand your reasons for declining it, but I would have zero issues if you decided to actively monetize your blog. I’m a full-time blogger myself so maybe I see it differently, but you’ve created this amazing resource pretty much for free, and I think you deserve to be compensated for it. Whether it’s sponsored posts, affiliate links, display ads, or anything else, I would be thrilled to see you getting compensated for your hard work in creating such valuable content.

    1. Awesome! I’ve never been to Guatemala – that sounds amazing 🙂 . And thank you for your thoughts on the post – I’ll think about it more.

  11. I really admire you Spanish evolution. Hope to do myself (most probably when I will retire…) – and loved your idea to full immersion on.

    As for your sponsored post debate, I will encourage you to add sponsored links for products you feel happy with, to write about a financial step you would recommend, and why not, to offer 1 to 1 financial couch for people on the road that need a outside point of view. I know you will not go rich with these, and I see no problem on adding occasionally.

    1. Thank you 🙂 . And that’s an interesting perspective – I prefer to give free financial coaching and I do have some affiliate links on the website right now (with a warning at the top of each post that they might be there 😉 ).

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