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How Gratitude Factors into my Financial Life

I am particularly thankful for the values that were instilled in me as a child.

Grandparents, aunts and uncles all raised me to be appreciative of what I have, even if it wasn’t much. I carried that with me until I graduated college, when I loosened the purse strings a bit too much.

That behavior was soon corrected after my divorce because I felt financially insecure once again, similar to when I was a child.

I knew I had to do something and so I made a few changes:

  • Refocusing on my original guiding principles
  • Cutting back on things that I didn’t truly value
  • Saved and invested

Eventually, I became financially independent.

The pandemic, once again, allowed me to see what was important and what I was most thankful for. That is, of course, still family and friends who love and support me unconditionally.

That’s something that money can’t buy.

How I Overcame a Financial Mistake

My biggest money blunder was thinking that I had made it because I graduated from college and had a “good job.” I thought for sure I’d never have to worry about money again.

Boy was I wrong.

But I’m thankful for the rocky road along the way because I was able to redirect myself and focus on becoming financially independent. Money is no longer my biggest worry and it’s a big relief. That’s why I share as much information as I can to empower others to focus on their own financial wellness.

Read More: Open Letter to Single Mothers Struggling Financially

Gratitude as a Motivator

I’m grateful for my journey through life. The ups and downs have made me appreciate what’s most important to me, and I’ve learned that those things can’t be bought. This sense of gratitude helps me control unnecessary spending.

Personally, I started tracking my financial journey with Personal Capital’s free financial tools.I added my savings accounts, checking accounts, credit cards, 401(k)s, and other financial accounts.

In that low moment, I saw my net worth for the first time. That moment was so empowering. The numbers weren’t what I was expecting, but for the first time I was ready to make well-informed decisions.

These free tools have helped me track my spending and analyze my investments. Now, I can spend and save with confidence. For that, I’m grateful.

Get Started with Personal Capital’s Free Financial Tools

Featured individual is a paid spokesperson and not a client of Personal Capital Advisors Corporation (“PCAC”) and does not make any endorsements or recommendations about securities offerings or investment strategy. The content contained in this blog post is intended for general informational purposes only and is not meant to constitute legal, tax, accounting or investment advice. You should consult a qualified legal or tax professional regarding your specific situation. Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.

Lakisha L. Simmons, PhD, is a Personal Capital Financial Hero. She retired early from her position as a tenured professor of business analytics at 41 years old. She is co-author with her 11-year-old son of "Divorced: 7 Keys to Making it Through Your Parents’ Divorce," the author of "The Unlikely Achieveher," and CEO of BRAVE Consulting, where she teaches women how to be happy, healthy, and wealthy. She enjoys traveling and spending quality time with her family. She can be reached via or on social media at @drkishasimmons.
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Let us know…

This year, my top financial priority is:

Building my emergency fund
Paying off high-interest debt
Budgeting better
Saving for a short-term goal, like a vacation or new car
Increasing my investment contributions
Maintaining status quo - I’ve got this under control

Make moves toward your money goals with Personal Capital’s free financial tools.