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The Lady

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The Lady in the Black
positivity, tax debt, planning, life goals, savings
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Long Beach, California, United States
Life stage:
SIK (Single Income, Kids)
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Latest Blog Posts

In honor of Thanksgiving, The Lady in the Black lists the financial things she’s most grateful for. Spoiler alert: it’s not all about the money. As background, it’s probably good to remind my readers that in February 2016 I was essentially homeless. I was fired from my job, living in a state with no nearby... Continue Reading ...
Posted: Nov 21 2017 @ 11:24 PM
The Lady in the Black recently took a hiatus from blogging. Now she’s back to mix more science with personal finance. This time she’s delving into the world of physics and the realm of Newtonian finance.  As this is my first blog post after a bit of a hiatus, I’d love to say that I’ve... Continue Reading ...
Posted: Nov 16 2017 @ 2:08 AM
I’ve been fairly obsessed with emergency preparedness lately. The way I see it Mother Nature has just cause to be pissed. But I’m a mom, too, and plan to take care of my own. You can’t prepare for everything…but you can be more prepared than most. The Lady in the Black’s Emergency Preparedness CAUTION: Before we launch into the details, I’d like to qualify that the journey to getting prepared is a ...
Posted: Oct 15 2017 @ 3:58 AM
This week was pretty great. The Lady in the Black scored her fourth featured post on Rockstar Finance and continued to keep the flames alive on her continuing financial fire (not FIRE.) The 3 Most Profitable Things I Did This Week Week Ending October 13, 2017 YAAAAA! Calculate My Net Worth A simple comment about my net worth triggered an interesting conversation on Twitter. In short, I post my current net worth and was asked ...
Posted: Oct 13 2017 @ 1:37 PM
The Lady in the Black furthers her scientific pursuit of the mysterious concept of spavings. In this installment, she and 5 other researchers explore the viability of converting one elusive economic entity (spavings) into a more stable and profitable formulation (savings.) Background As a professional and recreational writer, I love the nuance of language; a good pun, a strong play on words, and the occasional naughty double entendre. And while homonyms are the red-headed ...
Posted: Oct 05 2017 @ 5:35 AM
The weeks are slipping away from me; like sands through the hour glass. This is The Lady’s hastily slammed together memoir of a week that wasn’t so great. I’ll chalk it up to a “baby steps”-kinda week. The 3 Most Profitable Things I Did This Week Week Ending September 29, 2017 Just. Hold. On. Applied for a Car Loan Refinance I did it. I finally pulled the refi trigger–and it may have been a tad ...
Posted: Sep 29 2017 @ 4:41 PM
It’s the fifth edition of Kids Talk. The Lady in the Black is back talking to her own kid about careers, taxes, and retirement. Kids Talk is meant to inspire parents to talk to their kids about financial matters. Children process all of your comments and behaviors about money–even when you don’t think they are paying attention. Consider having unscheduled but regular discussions or even simple interviews with your children to assess their ...
Posted: Sep 23 2017 @ 1:38 AM
The Lady in the Black started investing 3 months ago. Considering she’s 47, she’s pretty frickin’ late to the party. However, she’s in the market now and will be for the long haul. If you ever wonder how a newbie investor gets started then this article is for you. READ THIS FIRST I must INSIST that no one take any of the information below as financial advice or investment tips. Seriously. I’m ...
Posted: Sep 21 2017 @ 7:27 AM
As a newbie personal finance blogger and a woman just starting my journey of financial self-improvement, there’s much to stand in the way of progress. Despite my attempts to be a Lady, sometimes it’s all a Miss. Miss Believe As way of providing context to this article, perhaps I should remind you that I am NOT a financial expert. In fact, I’m simply a 47-year old divorced mom who, for once in her ...
Posted: Sep 19 2017 @ 2:12 PM
This week ROCKED. It wasn’t about scoring the big money wins. It was about getting prepared for the future. Jam out to The Lady’s weekly memoir'the “rock” episode, complete with music GIFs, links and videos. The 3 Most Profitable Things I Did This Week Week Ending September 15, 2017 I’m Kinda Busy. Phoned It In:... Continue Reading ...
Posted: Sep 15 2017 @ 2:13 AM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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