This is your man here and you are listening to the Women in Money podcast.

We will rise above and live a life we love.

December 6th, 2020, Susie O'Harran. Welcome to the Women in Money podcast as well as the men smart enough to listen.

Do you know what yesterday was?

Yesterday was December 5th. Do you know what December 5th is?

Well, besides the fact that it's one of my best friend Leslie Lens birthday and Leslie's one of my grammar school friends.

They were like four of us that hung out all the time together.

But Leslie really and I still talk all the time and Leslie turned 69 yesterday.

Which means that I turned 69 and a half because my birthday is June 5th.

And so, forever, I have celebrated my birthday and then I celebrate Leslie's birthday and I always celebrate my half birthday because I'm celebrating Leslie's birthday if that makes any sense.

But that also means that I'm six months from turning 70. And I have to tell you and I've talked about this before.

That's a big deal. Now, do I feel like I'm 70? No. Do I look like I'm 70? I don't know. I guess I do look like I'm going to be 70 because I'm going to be 70.

So I can only hope that I look as good as I can possibly look. So you know what's interesting though is that decades mean a lot, not just emotionally speaking, not just how does it feel that you're going to be 70.

But it also has a true repercussion on your financial state of being. I personally call it the dollar of the decades because there's always something that goes on financially.

Where there's a difference when you turn 20 to 30. Now we have a decade there where you're going from being out of college or whatever you're doing and you're trying to get a little bit more serious.

Maybe you've gotten married and you're going to have kids or you're by yourself. But now you think, all right, the dollars of the decade when you're 30 is I want to buy a home.

I want to start saving for my future. That's when retirement accounts usually start to come into your life, even though they should have come in when you were in your 20s.

And then you turn into your 40s. And now the dollar of the decades there is am I saving enough? Oh my God, have I saved enough for my kids college education?

Why aren't I saving enough in my retirement accounts? Look how much debt I've accumulated. Oh my God, maybe I need a bigger house now because my kids are growing up at whatever it is.

But now you're tending to spend more money in your 40s. Then comes the 50s.

And the 50s start to become intense because you know you are just 10 years away from turning 60 and 60s a big number. So in the 50s you're like, oh God, now you're afraid because you realize you haven't saved enough.

You don't have enough money. You've refinanced your house. You're not going to have that house paid for by the time you retire. Oh, your parents are in trouble.

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