Binders, Guest Posts, imagination

A Series of Imagined Exchanges With My New Financial Advisor

April 5, 2015

beauty-hunting-jen-logo-black1-300x88By Susan Harlan.

 

“As you’re falling asleep, I’m going to take over your brain.”

“Are financial advisors supposed to do that?

“Yes.”

 

“So what are you hoping to get out of this meeting?”

“Well, my car broke down, so I have to get a new car.”

“And you’d like to discuss options.”

“Yes. I’d like to figure out what I should spend and come up with a budget for the future. But mostly I’m just depressed because I really loved my car. I attached all sorts of significance about where I am in my life to that that car.”

“I see.”

“Her name was Beryl.”

“You named your car Beryl?”

“Yes. Because she was an old lady. She needed an old lady name.”

“Well, we’ll do our best to come up with a plan.”

“I’ll probably still be sad.”

“Probably.”

 

“So where do you feel that you are in your life?”

“Could we maybe start with some smaller questions?”

“Sure.”

 

“I’ve entered all of your information into this budget spreadsheet.”

“Thank you.”

“We can go through it all. Bills, discretionary expenses, what-not.”

“So you can just plug in the numbers and it adds it all up for you?”

“Yes. That’s the idea.”

“That’s very cool.”

“I think so.”

“And if you change a number, it adds it all up again?”

“So you haven’t ever used Excel?”

“I think there was this time that I was working on this thing…well, no.”

 

“Let’s look at discretionary spending that can be cut, and then we’ll turn to your monthly bills.”

“Are you going to judge me?”

“No.”

“You may regret saying that.”

 

“So what is this eBay expense, for example?”

“That was for a couple of afghans.”

“How many?”

“It might have been as many as four. All told.”

“You could probably do with fewer afghans.”

“They were all different colors.”

“Still.”

“Yes, I probably could.”

“And this eBay charge?”

“Vintage cocktail glasses.”

“I see.”

“They were etched.”

“Right.”

“And a yarn painting.”

“What’s a yarn painting?”

“Well, it’s just really a painting, but you know – made from yarn.”

“Right. These could probably be cut. I see a certain amount of money going towards household expenses.”

“Yeah, I get it.”

“Are there other purchases along these lines we can talk about?”

“Well, that one is for a garden gnome named Baudelaire, and that is for a concrete deer and duck.”

“I don’t necessarily need to know about the exact objects – just the category.”

“The gnome is French.”

“So ‘Housewares’?”

“Sort of. But he lives on the porch.”

 

“These are the kinds of purchases you’ll want to be careful about in the future.”

“Yes. I get tempted to buy things when I’m bored.”

“Are you bored a lot?”

“That’s a difficult question to answer.”

“We can come back to it.”

 

“Do we need to factor a gym membership into the budget?”

“No. Absolutely not.”

 

“How much does your dog cost you per month?”

“About $100.”

“So I’m putting that in.”

“Does that make her a very expensive dog?”

“She’s fine.”

“Even a budget dog?”

“Sure.”

 

“Okay, moving into other recreational expenses. Here, we have Netflix. That’s discretionary.”

“Only if you want me to die the death of the wretched.”

“So Netflix stays.”

 

“Let’s take a look at your monthly food expenses. You may not realize this, but you’re spending a lot on groceries.”

“I can imagine that to be true. I eat a lot.”

“I’m sure we can find a way to make some cuts. What’s this bill for?”

“Vermouth.”

“This whole bill is for vermouth?”

“Well, yes. Sweet vermouth.”

“Was it for entertaining? I can put it under ‘Entertaining.’”

“Sort of. I just found a shop that has some very nice vermouths.”

“What are they for?”

“Manhattans.”

“We may want to cut back on the Manhattans.”

“That’s very upsetting, but I get it.”

 

“I see a number of charges per week for $7.36. What is this?”

“Five Guys.”

“The hamburger place?”

“Yes.”

“If we add these up, you have quite a lot of them every month.”

“Hmm. How many are we talking?”

“I’d really rather not say.”

“I understand. I’ll try to eat more sandwiches.”

“Please do.”

 

“So we’ve been talking a lot about patterns in the past. Let’s turn to your long-term financial goals.”

“Sounds good.”

“How do you see the next couple of years? What would you like to be able to do?”

“Well, I want to but a ramshackle, old farmhouse in the Hudson River Valley and fix it up.”

“Farmhouses are nice.”

“Preferably something with a wood-burning stove and peeling wallpaper. Maybe some nice tile.”

“Anything else?”

“I’d also like to fix up a vintage Airstream trailer and then drive it around the country with my dog.”

“This are noble goals, but maybe we could think more in terms of paying off educational debt.”

“Oh, right. I thought you meant, you know, home improvement goals.”

“We can work out a plan for how much money you should put towards your debt, and that will help you to reach these goals. Eventually.”

“Okay.”

“Any other long-term goals?”

“Well, it’s not really related to paying off debt.”

“Okay.”

“I’d like to move back to New York City and be able to go out to lunch everyday.”

“Everyday?”

“Yes, like how all the expat writers went out to lunch everyday in Paris and ate lobster and drank white wine and talked about books. I’d like to have that life.”

“That does sound nice.”

“But without the wars and the misogyny.”

“Naturally.”

 

Susan Harlan is an English professor at Wake Forest University, and her work has appeared in venues such as The Guardian, The Toast, The Awl, The Morning News, Jezebel, Roads & Kingdoms, and Public Books.

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2 Comments

  • Reply Keiko April 5, 2015 at 7:24 pm

    Oh, what a treat reading this…

    I have pretty much the same conversations with my ‘smarter’ self at night-we delve into every possible topic and actually come up with great solutions to a few of my issues but come morning, pooof-all gone… The introspection in the small hours is maddening, a tad depressing but so necessary..

  • Reply Mandi April 7, 2015 at 6:54 am

    That was delightful!

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