Behold, the Updated Locations Spreadsheet (and an Update on my Location)

Before I jump into things: If you happen to be reading this right after it drops, here’s a quick PSA (directed to readers who are also in the US, but relevant to anyone living in a democracy) – VOTE VOTE VOTE VOTE!! We all have a civic duty to stay informed and participate in our democracy. Please vote in Tuesday’s election if you haven’t already voted early. Research your candidates, and understand what they stand for. And critically, please vote as a citizen and not as a consumer. Voting (in my opinion, but this is my blog, so that’s all you get) is a profound act of participation. We are making our voices heard on what we think is best for our country and our fellow citizens.

This likely means acknowledging that the vast majority of those fellow citizens have had very different life experiences than you and that the stakes are higher for many of them each election than they ever will be for you. That can be an uncomfortable experience, but it’s one worth having. If you’re treating your vote like an Amazon purchase (picking the person that promises you what you want and what will help you as an individual, even if it hurts those more vulnerable than you and by extension our country as a whole), you’re doing this wrong. And our country needs you to do better if we’re going to survive. This PSA will make more sense later in this post. Ok, now onto the spreadsheet.


In 2019, as I was leaning 100% into my career change and planning to leave DC, I made a spreadsheet to help me decide where to move. I wrote a post explaining the rationale and how to use the spreadsheet. Even though I haven’t been on the blog much in the past few years, that remains one of my most popular posts, and I still consistently get people emailing me who have questions about using it for their own search. I’ve even recommended it to a few clients (with the caveat that it wasn’t official financial advice 😂)!

The Spreadsheet Update

A few months ago, someone reached out and specifically expressed that they were having issues actually customizing it – adding categories and cities. Which is exciting! Because someone is using it!

When I went back to look at the formulas, I realized there were some shortcomings in the setup, so I decided to make it easier to customize the inputs. This post walks through those new instructions, assuming you are already familiar with the general purpose and concept of the original sheet. If you’re not, go back and read the original post!!

Now, if you go back to the sheet, you’ll see a few new things – highlighted in yellow (image below). You can input new cities at the bottom of the list, and new categories in the new columns added to the end.

BUT, for this to work and not skew the data, you also need to add some extra information. One of the tricky things when entering new data is that some data points are good in higher numbers (Walkability scores), while some are better with lower numbers (price per square foot for home buying). To account for that, you’ll now need to indicate at the bottom of the sheet whether your new category is “good” or “bad” so the standardization formula knows how to treat it. (Going back to my original post example, Batman would mark the crime column as “good,” while most people would mark it as “bad.”) You shouldn’t need to change any data or inputs to the right of the dark dividing column.

This reader was interested in adding categories for whether there were bike trails in a city and distance to a body of water. There were a few tricky things with those specific examples that I want to highlight. Keep in mind that for categories that don’t have numerical value (Y/N for bike trails, for example), you’ll have to change your answers to a number. So 1 for Yes, 0 for No, with the “good or bad” line marked as Good (if you’re measuring the existence of bike trails, the positive number is a good thing). You also can’t put in ranges for distances, but you could put in the actual distance to a body of water or a ranking (from 1-5 for example) for how close the city is based on your own distance scale.

Here’s a screenshot showing the changes, with new blank cities and categories and the “good or bad” row. The image also links to the customizable spreadsheet!

New blank rows/columns and conditional formulas! We’re getting fancy.

As a reminder, you can customize this to your heart’s content, but you’ll need to make your own copy first.

File > Make a copy!

If you do use the spreadsheet and either 1) update the data (these are all 2019 numbers…a lot has changed) or 2) add cities/categories, I’d love it if you could share that data with me or email me your updated spreadsheet/numbers!

The Me Update

(HARD turn from fun spreadsheets) After the garbage Supreme Court decision overturning Roe v. Wade that undermined our Judicial branch and the democracy that rests on it (if you think I’m overreacting, you’re not paying attention), I started thinking a lot more about whether or not I wanted to be in Ohio long-term. At a basic level, expansions of anti-abortion activist legislation could undermine my ability to have kids safely in a non-traditional or higher-risk conception/pregnancy. Or just any pregnancy. At the moment, Ohio’s “Heartbeat” bill is held up in the courts, but its future is uncertain. Additionally, and more fundamentally, I think there is something to be said for voting with my tax dollars. And when I first made my spreadsheet in 2019, I didn’t realize that my tax dollars might be supporting something like this (again, BECAUSE WE HAD PROTECTIONS THROUGH ROE V WADE). Ohio isn’t a utopia by any means, but if I were making my spreadsheet today, I wouldn’t have moved to a state that was actively trying to limit abortion access to SIX WEEKS.

The complicating factors? I have no intention of renting again. I also want my next home to be on more land, and ideally to be a property that I can grow in long term. And I’m not convinced I can afford that vision at the moment, especially with current mortgage rates. I’m loving my career change, but growing a business ain’t easy, and we’re not quite at the “Scrooge McDuck swimming pool of gold” level when it comes to my personal finances. So this is NOT an update saying I’ll be moving soon, but rather an update that I’m starting to *contemplate* moving *eventually.*

At the moment, the Minneapolis area of Minnesota is pretty near the top of my list, but I’ll probably update my spreadsheet categories to see if there are other hidden gems out there that have what I’m looking for. One definite new category: does this location still protect my fundamental human right of bodily autonomy even though I’m capable of childbirth? When a dead person has more rights regarding their body than someone who is pregnant, something is deeply wrong in our society.

Are there other factors you think I should consider when I update the spreadsheet for my search? Or other locations you think I should put into the running (nothing farther south than DC, or on the west coast, for weather and family proximity reasons respectively…). Comment here or shoot me a message!

Leveling Up with the CFP®

leveling up with CFP® text with plant growing in jar of coins

Three years ago, I never would have imagined I’d be where I am. Working independently, living in a house I OWN, and helping people improve their finances every day. It took a lot of risks and leaps of faith to get here, but I don’t regret any of them.

As I started working with more clients last year, I realized that I needed to level up. I needed a deeper understanding of some of the nuances in financial planning, and I needed to signal to future clients that even though I don’t have decades in this industry, I’m so committed to this work. So, last November, I started the coursework to become a CERTIFIED FINANCIAL PLANNER™. (Apparently, you get in trouble if you don’t write it that way, so please don’t think I’m extra for the all-caps). Some of the CFP® material was a refresh – at that point, I’d already been working with clients for almost two years. But some of it, the parts that I didn’t get as much exposure to with my clients, was brand new. Estate planning minutia, tax strategies, and so many different retirement plan rabbit holes.

Continue reading “Leveling Up with the CFP®”

Grief and Growth

It’s so hard to realize that this year is almost gone. And more than that, this decade of my life is almost gone – I turn 30 in a few weeks. In a lot of ways, it feels like we’ve been paused since March 2020. Like the past year and a half shouldn’t even count; like we should get a “do-over.” But that’s not true. We’ve had to keep surviving, living, growing, changing even with all of the stress and uncertainty of the pandemic. Maybe even BECAUSE of that stress and uncertainty. I think there are plenty of people out there who experienced forced introspection in 2020 when they might not have done that work otherwise.

When I look back at the past year, I see so many changes. At first, I tried to talk about all of them in one post, but it very quickly got excessive. They’ll each get their own post. I make no promises about when those posts will happen. They’re all changes that are poignant – that I consider pivot points in my life. Today’s post, the first post of 2021 after almost a year of not writing, is for SunCat. It’s half reflection, half eulogy.

Continue reading “Grief and Growth”

Peace Out, 2020

This has been a year of paradoxes. On the one hand, I’ve grown in my business and am loving self-employment. On the other hand, this is the most stressed I’ve ever been because, well,… *gestures to the world.*

Throughout the year, I’ve tried to be kind to myself. To give myself grace for not hitting goals I set in 2019 (I was so naive back then…). To take breaks when I feel the anxiety wave threatening to overwhelm me. But also to be as engaged as possible in a world that feels like it will never be the same (in good ways and bad).

I’m writing this post to wrap up the year because it feels wrong to go into 2021 without some reflection. I’d like to say that I’ll definitely write more regularly in the new year, but I’m not making that promise. I’ll do my best.

In so many ways, 2020 feels like a lost year. So much has happened, but I feel like I’ve been in this stasis of isolation. I never leave my home, and I’m terrified for loved ones at higher risk. I’ve made minimal progress at making friends or building community in my new city. And this year, generally, has felt like a decade. Can we talk about the fact that 1) the Australian wildfires, 2) the Presidential primaries, and 3) the impeachment ALL happened before COVID-19 took over our lives? It’s exhausting.

But some things have happened. I started the year with basically no regular client meetings (I made $100 one month…that was rough). In the last 4 months of 2020, I’ve been able to consistently make enough to cover my expenses. I’m hoping to continue that trend into 2021. And even more excitingly, I started the process to become a CFP® (Certified Financial Planner). I’m taking the coursework for that now, and I’ll take the exam itself next year. I won’t actually get my certification until I log 4,000 experience hours, but the coursework and exam are a major hurdle, and I’ll have those experience hours done in the next couple of years.

SunCat is still kicking. She’s currently on: a steroid 2x a day, chemotherapy pills, an antibiotic 2x a day, a probiotic 2x a day, arthritis meds daily, and anti-seizure medication. Along with bi-weekly injections. Which seems like a lot, but she’s happy and stable, so I’ll put up with the complicated medication regimen for as long as it helps. I’m so thankful that she’s still here, more than a YEAR after her cancer diagnosis.

And, a glimmer of excitement at the end of the year: my mom is visiting. We’ve taken all possible precautions. In fact, Lyra moved out this week so that I could isolate myself for a solid week before my mom gets here. And, since neither of us has gone anywhere this year, the risk of spreading something is as low as it can be. I cannot WAIT to see someone in person who isn’t my roommate or my pets. Or the occasional brief visitor. This is 100% what I need at the end of such an exhausting year.

I’ll put one more post out before 2021. I need to write another book update. More because I don’t want that hanging over my head in the new year; the list is scary long… Fair warning, I don’t plan on putting book images in, or long comments about each book, except the ones I’m particularly excited about. So I can’t guarantee that the post will be a super engaging read, but my motto for this year has been, more than ever, “done is better than perfect.”

Wishing you and your loved ones the best holiday season available to you, and hoping that you have a safe and healthy new year.

A Reintroduction and Challenging the Status Quo

I did a fun thing a few weeks ago. I reread all of my blog posts, starting from the beginning. It’s been almost three years since I started writing here, and I honestly couldn’t even remember from week to week what I wrote, so I wanted to make sure I stood by what I’ve said over the years. I’ve also been thinking about sharing this blog with more people I know IRL, so reviewing my posts was important to me.

Continue reading “A Reintroduction and Challenging the Status Quo”

Books of 2020: Part 1

I REALLY should not have put this post off. There’s a reason I switched to quarterly book posts! And I’ve done a lot more reading than usual this year since I have more time with my career change. Anyway, here’s the list. I’m not writing blurbs for each book; I’ll focus on the ones I ranked highly. I’m also not including the cover photo for each book, though I’ll try to include most since I personally really like seeing the cover art.

…Except I totally do. via GIPHY
Continue reading “Books of 2020: Part 1”

What Did I Miss?

"What Did I Miss" text over a dark background of lightning

Well, hi there. My name is Elizabeth. Just thought I would remind you since I’ve been AWOL for MONTHS.

On Friday, my roomie Lyra and I watched the Hamilton filming on Disney+ (which I use my sister’s log-in for because I’m a cheapskate). It was MAGICAL. And I told Lyra that after watching the musical, which I had never seen, Jefferson’s song, “What Did I Miss?” had become one of my favorites. Don’t get me wrong, the song was always great. But the VISUAL elements really made it. Hence, this post title.

https://www.youtube.com/watch?v=_yV6bLE4oJ0
Watch the whole clip here!
Continue reading “What Did I Miss?”

2019 in Review

text reading 2019 in review over a photo of a bottle of champagne and champagne flutes

Well, we’ve made it through another year, which means it’s time for an annual recap. Here’s the highlight reel from 2019! Want to see how far things have really come? Check out 2018 in review to compare.

This post contains affiliate links. As an Amazon Associate, I earn from qualifying purchases. Read more about my affiliate philosophy here.

Financial Security

I’m not sure how to assess this category. My net worth went up significantly this year, and I’m now a homeowner. I have a very healthy emergency fund. But at the same time, I just left my job with a stable paycheck and haven’t replaced that income yet. I’m confident I’ll get there, but it’ll be a little nervewracking until that point. But that is also the whole reason for an emergency fund that can cover the better part of a year’s worth of essential expenses (things that can’t be put on a credit card short-term: mortgage, student loan payments, health insurance premiums, utilities).

The Good Wife character saying "Am I broke again?"
via GIPHY

And I mean it about the credit card. I know that the general rule of thumb is that “debt is bad,” especially credit card debt. But I’m starting a damn business, here. If it takes a few months to generate an income that will support my monthly expenses, I have no shame about putting groceries and gas on my credit card until then. The interest paid will be well worth the wiggle room it gives me to get this business off the ground.

Lucy from I Love Lucy saying I got a credit card, money is no object.
via GIPHY

Happiness

StarDog and his faithful sidekick, COMET!

I know I’ve been happy in the past year. There have been some really wonderful moments. But there have also been some really hard ones. Despite those, I’m so happy that I’ve found a new career path that I’m passionate about, and that I’ve moved to a new city where I think I have a better chance of building a sustainable life. I’ve met some wonderful people, and I’ve reconnected with some old friends. I’m happy that I’ve been able to spend lots of time with family this year, and that I now live in the same city as my BFF Lyra (and HER NEW DOG, aka COMET!).

Travel

This year, I got to visit two countries that were very high on my bucket list: Morocco and Kenya. They were both amazing, and I’m really glad I had that opportunity through work. But so many people asked me if I would miss the work travel when I left my job, and the answer is a resounding “no.” Why? When I travel for work, it’s work. I don’t have full control of the itinerary, my time is often limited, and I always end up sick by the end of the trip because of how stressed I am. Instead, in 2020, I’m looking forward to traveling at my own pace. To not having to ration my vacation time, and to not having to attend meetings or lead a group. It’ll be grand.

via GIPHY

SunCat

If you’ve read this blog for more than 2 seconds, then you already know that I am completely unashamed to be a Cat Lady. SunCat has been with me for 15 years, and she’s my best friend. She’s more affectionate that StarDog, she sleeps with me every night, and she’s gotten me through some pretty horrific times of my life. This fall, she was diagnosed with two different types of cancer, one of which has metastasized. I was devastated, and the diagnosis came in the middle of me buying a house and right before I left for a 2.5-week international trip. To say I was stressed is an understatement.

Thankfully, things have improved since her initial diagnosis. The goal here isn’t to cure her; that’s highly unlikely given the types of cancer she has. However, the chemotherapy treatment she’s on acts in a palliative capacity; it minimizes the symptoms of the cancer and slows its spread. Since starting it, she’s gained weight and gotten her energy back. I’m so glad that she did well with the move to Cleveland, and I plan on spoiling her for whatever time she has left (though let’s be real, that’s nothing new).

LOOK AT THOSE TOE BEANS! SunCat is a huge fan of my new heated blanket.

Health

It’s been a tough year. I completely pivoted my career trajectory, and in the midst of that, I’ve had to deal with the reality of leaving my job, starting a business, and moving somewhere new. The stress has definitely gotten to me at times, especially in these last few months when it felt like one hit came after another came after another. That being said, I’m really happy with where I’m ending my year. I think I’m in a good place to be healthier (mentally and physically) in 2020, which I wouldn’t be able to say if I was still in Washington, DC and in my previous job. Hopefully, this prediction proves true in my 2020 recap!

2019 in Numbers

Reading Highlights

I list every book I read, but some are better than others. Here’s a list of all the books I rated DEAR (Drop Everything and Read) this year. Out of the 85 books I read, I loved these 23 the most. I swear I didn’t plan this but turns out female authors swept the list this year:

Nonfiction

Fiction

To see all the books that I read (including many that I ranked just below DEAR as “Highly Recommend”), check out my quarterly posts:


Ok, we’re calling 2019 a wrap. On to 2020 and all the new adventures it’ll bring!

via GIPHY

Books of Q4 2019

My last reading recap of the year! Enjoy the recommendations, and let me know if you have any other books you think I should read based on this list. I’m always open to suggestions. This quarter was light on non-fiction because I’ve been crazy busy and stressed, but I’m hoping to change that trend in 2020.

To read past book recommendations, check out:

This post contains affiliate links. As an Amazon Associate, I earn from qualifying purchases. That being said, my first preference is for you to check any recommended books out from your local library! Read more about my affiliate philosophy here. You can also check books out in e-book form and download them to the Kindle app, which means you don’t even have to put on pants and leave the house to get your book. Isn’t technology grand? Occasionally, books I read and review are also available for free through Amazon’s Kindle Unlimited program, and I make sure to note if that’s the case.

  • Drop everything to read this book (DEAR for short)
  • Highly recommended (HR)
  • Good book (GB)
  • OK
  • Meh don’t bother (MDB)

Nonfiction

Fiction

  • The House of Salt and Sorrows by Erin A. Craig. HR. This book was so great. It was essentially a horror version of the Twelve Dancing Princesses fairytale. It was dark and suspenseful, and the worldbuilding (along with the unique religious elements) were very well done. It was masterfully written and kept me reading until the end.
  • Ash Princess
  • Smoke Lady by Laura Sebastian. HR. This is a great fantasy series with a unique magical system and some great worldbuilding. The third book isn’t out yet, but I’ll be waiting for it eagerly–the first two were wonderful.
  • Crown of Coral and Pearl by Mara Rutherford. HR. This was another great book that I really enjoyed reading. It’s a fantasy with strong female characters, and the first books set up some really interesting plot points for the second book to flesh out more. And as a bonus, the kindle version is currently on sale for $2.99! It was a really unique plot, and I can’t wait to read the sequel.
  • The Beautiful by Renée Ahdieh. GB. I really love Ahdieh’s writing, but this one was hard to get through at points. It was slow, and a little convoluted. I liked it fine, but it wasn’t one of my favorites–I think her other books are much stronger. I’ll probably still read the sequel though. It speaks highly to her skill as a writer that even one of her books that is only “ok” still gets a GB rating. She’s one of my absolute favorites.
  • The Royal We by Heather Cocks and Jessica Morgan. HR. This book was so cute. I don’t know how I ended up on a royals reading kick, but I’m glad I did. This is essentially a romance between an American studying abroad and a British prince. I love that it isn’t a “whirlwind” romance–the relationship develops over several years, and it seems believable and human. The plot is well-developed, and I’m excited for book 2!
  • Red, White & Royal Blue by Casey McQuiston. DEAR. Another great book that involves British royals! But this one was even better. The premise is that the son of the (first female) US president ends up in a relationship with the British prince. They have to navigate all of the implications associated with that, while also muddling through the beginnings of their relationship. It’s delightful and heartfelt, and it made all sorts of “best” lists this year. If you haven’t read it, put it at the top of your list.
  • American Royals by Katharine McGee. GB. Compared to the other two books in my royals binge, this was only okay. It explores an alternative world where George Washington accepts when offered the monarchy after the American Revolution. Some of it is interesting and entertaining, but I didn’t feel like it was anything new from a typical royal fiction novel. I’m pretty indifferent about whether or not I read the sequel.
  • Reign of Magic by K.M. Shea. GB. Free on Kindle Unlimited! I really like Shea. She has a lovely series of fairytale retellings, and this is the second book in a continuation of that plotline. I’ve reviewed other books in this series. They’re entertaining and fun plots featuring strong female characters. I just wish that the series wouldn’t take so long to conclude…I won’t enjoy waiting for the next book to finally come out.
  • Snow Queen: Heart of Ice
  • Snow Queen: Sacrifice by K.M. Shea. GB. Free on Kindle Unlimited! This is a prequel to the series I mentioned above. Again, good quick reads. I’m glad I read this after the “later” series though–I appreciated the connections more.
  • The Kiss Quotient. GB.
  • The Bride Test by Helen Hoang. HR. Ok, there are a lot of things I love about these books. For one, they feature characters you don’t often see in a typical romance novel. In both books, the main characters are Asian, and one of them is autistic. I love the representation of autistic characters being human and falling in love (rather than simply being a plot device or not being present at all). These are Hoang’s first two books. The Kiss Quotient wasn’t as good; you could see that she was still working out her pacing and her style. But I loved the Bride Test and thought it was a lovely plot and story. If you’re at all a fan of this genre, I recommend reading it.
  • The Prince by Jillian Dodd. OK. Free on Kindle Unlimited! The book was fine. Nothing special. The main character is a teenage girl spy, fresh out of “spy school.” It’s an overplayed plot device, in my opinion. But the book was free, and I was bored. I might read the next ones, but it wasn’t a series I was particularly invested in after the first book.

I’ve been MIA on the blog for a while (might have something to do with moving and buying a house…). Look for a year-end wrap-up, a 2020 Look Forward, and a housing update in the coming weeks though!