The many years of “adulting” have taught me many things, one of which is that saving money is hard. Sure, making a consistent effort will make it a little easier. And removing the money to be saved before you start spending a paycheck helps even more, but keeping that saved money, there’s the issue.

I’ve tuck away little amounts of money my entire married life. After twenty years you would think the amount would be substantial, but it’s not. I don’t know what it is about Karma but the minute it hears two nickels rubbing to together in your pocket, something goes wrong. Whether it is a car, a water heater, or broken bone, to fix the issue often requires a dip into that blasted nest egg.

Now the answer here isn’t to give up and not save at all. Imagine the debt I would have acquired for those bumps along the way if I hadn’t saved.  And who knows… Maybe Karma ages with us, going so deaf and blind it finally leaves us alone.