Light at the End of the Tunnel, Part 2

Obviously, I knew it was time for a change.  In my case, it was time for 100 changes.  I knew I had to completely shake up my life and re-create it if I was going to stay afloat.

First things first – I got into rehab.  I found a great outpatient program that I could afford on a negative income (those with student loans get it!) and started going to two group sessions a week as well as a one-on-one with an addiction counselor.  The rehab program was the first and most important step in my recovery. Obviously, I learned about dealing with stress and anxiety, navigating life with a criminal history, and how to resist the urge to drink.  I got even more, however, from my mates in rehab.

As someone with a mostly clean history, I frankly saw myself as a better person than those who were addicted to, for example, meth or prescription pills, or those who had their kids taken away after a felony DWI.  But there I found myself, in my 20s, sitting right next to those people and realizing that they were just like me.  They were not uneducated, uncultured losers with no self-restraint.  They were people…mothers, adolescents, professionals, blue collar workers, average Joes, all shoved out into the world and learning to deal with the angst of life just like I was.  We all came from different demographics, but in that group therapy room, we were equals learning to fight off a common enemy.  It was quite a humbling experience for me, and it completely changed the way I think about the criminal system and treatment of addicts in our society.

Despite all my efforts to fit in, those around me would still make comments such as “how did you end up here with people like us?”, or “I never thought lawyers dealt with this shit.”  I would answer basic questions about criminal procedure (with the strong warning that I was NOT a licensed attorney and I cannot give legal advice) and share my stories about my past.  The nice clothes I wear and the expensive degree I bragged about sometimes hid my history of depression and alcoholism, unresolved issues with my father’s death, and feelings of inadequacy.  I think I helped them in the same sense that they helped me – I helped at least some of them realize that just because they struggled with addiction and happened to get caught, it didn’t mean that their worth was decreased.  It definitely put some obstacles in their path, but they could still shine.  It had been quite a while since I felt that I was capable of motivating or inspiring anyone, and it was such an honor to have a few people look up to me. I treasure that time, and if anyone reading is going through the same issues – please reach out and I would be glad to help you find an outpatient center like mine.

I attended a few AA meetings, and they just weren’t for me.  I see the appeal and I realize it works for some people, but it seemed too…spiritual.  I am a very realistic person and I felt that people in those groups gave up their addiction to alcohol and replaced it with an addiction to AA.  I learned some good lessons from the Big Book, however (the Big Book is a book given to AA members with several anecdotes and advice from the founders and previous AA members).  Don’t take my word for it though – maybe it would be great for you!  Just not my cup of tea.

To help with my case, I decided to do the best that I could, which means hiring the best attorney I could.  I chose a gladiator named George Milner III, who has a stellar reputation in Texas and beyond.  He wiped out my savings, but he made me feel calm and got me the best deal possible given the circumstances.

Unfortunately, I didn’t have much time for personal development outside of rehab.  As soon as I graduated (a month after my second arrest), it was time to study for the Texas Bar Exam – a three day monster with a 76% pass rate.  I dedicated at least 8 hours EVERY DAY (yea, weekends too!) to studying, sometimes more if I didn’t have to work or didn’t have a mini breakdown between lectures.  I stayed pretty isolated during that time, and I found it amazing how much easier it was to retain information and focus without a hangover.

At the end of July 2015, I took the Texas Bar Exam.  Four months later, I read my name on the pass list.  While this was one of the best days of my life, I could not help but focus on the asterisk located next to my name on the pass site.  This mark meant that while I passed the exam, I did not meet the character and fitness requirements of the Texas Bar, and thus, could not immediately become a licensed attorney.  Back to reality.

While I was waiting on the results, I worked in a few different places.  I had a well-paying contract job at a corporate office in Addison, TX, and I worked in a Middle Eastern cafe in Irving, TX.  It was there I met the man who would play a huge role in my future and my continued recovery.

He was a very polite and handsome customer, and he came in two to three times a week to enjoy a meal or smoke hookah.  He always sat in my coworker Karim’s section.  One afternoon while I was alone on the floor, he came in and it was my turn to wait on him.  Our initial interaction was not noteworthy, but after a few minutes he took out the key to my heart – a DayMinder Dayplanner! No, I know you wish I was kidding, but it’s true.  People like me, who enjoy writing down goals and errands into a spiral planner, are a dying breed.  I couldn’t help but comment on it, and I ended up neglecting my other tables to continue what turned out to be a wonderful conversation.  When he asked for his check, he also asked me for my number (to make a reservation at the cafe, of course) and I happily handed it over.

Many people advise not to date when you are recovering, because addiction is a mental condition, meaning you can replace your addiction to a substance with an addiction to a person, and when it doesn’t work out, you are even more devastated than before, and may turn back to whatever got you into recovery in the first place.  That’s very sage advice that I didn’t give a f**k about.  I let this man into my heart very quickly, and over the course of a month he knew about my family, my past, my addiction and arrest (really hard to hide that kind of thing with a breathalyzer in your car, lol), and all the ugly parts of my personality.  Somehow, he saw light where I could not, and we decided to give our relationship a real chance.

I concluded rehab and I wrapped up my contract job.  What happened next was SO unexpected, but it was just what I needed.

 

Well, at least I’m not broke.

Ah, finances. I truly view money as a necessary evil.  I’m not a materialistic person.  I want to be a millionaire not so I can ring a bell every time I want orange juice, but rather, so I can invest in other people’s businesses, start charity organizations, and be able to be an influential person (I know you can do this as a poor person, and probably more effectively…but I’m not a saint and hunger strikes don’t suit me).

All of those lofty goals are in the future.  Right now, in front of my face, is reality.  Thanks to law school and overall ignorance about money, I am somewhere near $200K in debt. You would think I am incredibly depressed and that it consumes me – but you would be wrong!  I am excited about the debt because paying it off is a project, and it has encouraged me to form a scholarship fund later in life. It also makes me want to publish a story or become a public speaker at local schools to warn kids about what can happen in college and encourage them to save.  I was unbelievably dumb, and I learned a lot about finances in the last couple of years – just in time to start paying for my mistakes.

I would rather not talk about my income, but here is where my money goes currently:

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I would encourage anyone who is currently not dead to make a chart like this.  I keep good track of my finances; however, seeing them in a chart like this really causes me to consider whether I am doing the right thing. Let’s talk specifics.

  1. Debt. The largest percentage of my income is going toward my debt.  I think this is a positive thing, because the longer I allow the debt to sit around, the more interest it collects.  Also, the quicker I pay off my debt, the more money I have available to pay on other things.  What I don’t know: Every month, my student loan debt interest exceeds the amount I am paying.  Each month, I am paying down interest, but not any principal. I desperately need to find out whether the Income Based Repayment Plan I am on includes Loan Forgiveness.  If it does – I am definitely going to pay the minimums!  If it doesn’t…I am going to continue to live very humbly and even downgrade a few things to get that bad boy paid off in 5 years.  My other debts include a couple credit cards (I had a brush in with the law a few years back, and it was expensive + I was broke).  I utilize the “snowball method,” which means that I throw all the extra money I can at the smallest debt I have while paying the minimum on all other debts.  Eventually, I pay off those small debts one by one, and use what I would be paying on the small debt monthly contributions to chisel away at the larger debts on my list.  The snowball method has gotten one card completely paid off, one is at 35% utilization, and my big daddy card is at 60% utilization. I also have some things that are not collecting interest, so I continue to make the minimum payments there; but will throw extra cash at them once my cards are paid.snowball
  2. Savings.  Because this chart illustrates my take-home pay, the contributions I make to my IRA (6% of my salary, plus 50% employer contribution) are not included here.  Realistically, I am saving closer to 20% of my salary with that factored in.  I think that is a pretty decent percentage.  Currently, I have $4,700 in savings, and my goal is to increase that to $15,000 before making any serious moves (like buying a franchise, quitting my full time job, etc.).  My savings balance isn’t the worst – but considering I started saving in 2016, I am off to a good start.
  3. Groceries. I don’t eat out much, but my groceries are still out of control.  I LOVE to cook. I live for it.  In my house, a week’s menu may include 4-5 exotic dishes, 2 full gourmet breakfasts, homemade “junk” food, and various other snacks and (occasionally) convenience food.  I don’t know how to save money here.  Help me.  😦
  4. Bad Habits. I promise I’m not buying heroin, but I do occasionally enjoy wine and we have hookah.  I know like I know like I know I need to stop smoking, especially since it is becoming a bit of a problem (e.g. I don’t like to admit how much I smoke it,  sometimes I smoke when I don’t even really want it, etc.).  I have been smoking it socially for over 10 years.  I got my own during law school and used it as a release; and it started becoming a full on addiction about 3 years ago.  I don’t have much else to say.  I know I need to stop, but I know that in the abstract.  So far, I don’t have a compelling reason to besides my (future) health.  Isn’t it crazy that it isn’t enough?  Maybe I should go to therapy or get an accountabili-buddy.shisha
  5. Other. The only other things that are a little ridiculous are mindless spending (Groupon, gourmet food for my animals, subscriptions, etc.).  Cutting these out would save me about $200 a month ($2,400 a year).  Is it bad that I don’t care that much?  I am making a great amount of money, and my partner is as well. We enjoy ourselves, but we also aggressively save.  Besides my debt, what would I spend this on? Oh yeah…
  6. Charity.  Missing from the chart above is CHARITY.  For someone who thinks about animals and those less fortunate more than I think about myself, why am I not donating? Next on the agenda is to decide where I can cut out $100 a month to make a difference.

My long term financial goals are, of course, to get out of debt, start a business, and be able to start my own non-profit.  I don’t have kids yet.  If that happens, naturally my goals will shift to accommodate children’s clothing, college funds, etc.  We’ll worry about that when we get there.

How does this budget look?  Are there things I should change/do differently?  What do you do to cut corners?