As you start roller derby, one key skill to master is crossovers. Crossovers are the foot over foot move that makes it possible to go more quickly around the track. At first, they seem insurmountable and impossible. Then, they seem almost doable. One day, a beautiful, magical light goes off and it all makes sense.

If you're not ready for fine tuning information,and you are so fresh meat that standing up on skates is a challenge, check out my 10-tips-for-building-up-to-crossovers. This is how I got from wanting to do crossovers to actually starting to to them well enough to be ready for further coaching.

​Otherwise, to help you get from "how the heck would I even start" to "I get it! I get it!", here are three helpful videos to help you make progress. Watch these, and practice, practice practice, and you, too can master the ever elusive crossover!

This video is hosted by Gypsy from The Skate Truck NYC. This is a great first video to watch as you're trying to figure what a crossover should look like and how to even starts. The video begins with the off-skates movements and ends with basics on how to put the pieces together. 

This video, featuring Rollemite from Derby Warehouse, includes an example of how to do a crossover, emphasizes the importance of weight transfer, and using one footed glides as a building skill. It also includes one drill using a wall for support. I thought that drill was very helpful, and I hadn't seen that in other videos. 

This video features The Neutrino from the Rat City Rollergirls. It is by far the most educational, and entertaining, video on crossovers that I have run across. There are several points that resonated with me: the idea of climbing a mountain sideways, pushing the wall with your hip and modifying your center of balance came together in this video. This video has sparked the ah-hah moment for many a derby skater.

Did any of these videos help you? What other resources helped you the most? Post your thoughts in the comments. 

After my first roller derby class, I took my daughter and a friend roller skating on a Saturday. I was overwhelmed by how hectic it was, and I was ecstatic when they had an adults only skate.--so ecstatic, in fact, that I skated way to aggressively & rolled my ankle spectacularly. I had to skip practice the next day because I had a noticeable limp.

I spent the following week doing everything I could to heal as quickly as possible including elevating, wrapping, icing, bathing in Epsom Salt and even a turmeric poultice. I ended up skating a week later (when I probably shouldn't have) with an ankle brace. Sheer determination, and my awful habit of playing hurt, kept me going.

I do ankle circles, 10-20 circles, each direction, each ankle. I also do the alphabet with each ankle. 

These can be done standing up, or seated. I can do these while I'm sitting at my desk at work, standing on the train platform, or just waiting. Standing up gives an added component of balance above and beyond just the ankle work--and who couldn't use more balance?

When it comes to heal raises and toe raises, I either do them for a set period of time, like 30 seconds, or for a set number, like 20. Either way, these are a great way to exercise ankles and calves. 

These exercises can also be done whenever you have 30-60 seconds to spare. These can be done while in line (and not even looking very ridiculous), waiting for the microwave to finish or just anytime when you have a few moments with no onlookers. 

Single leg balances are helpful for ankle stability, and for overall balance.For roller derby and roller skating in general, in order to do several skills, you need to be able to balance (and skate) on one foot. When I first started roller derby, I lacked the balance and coordination to skate on one foot--much less do crossovers. 

You can do these in whatever style you want. sometimes I do them standing up, other times, I do the while squatting. If you want to up your game further, close your eyes, too. (It's amazing how much harder closing your eyes makes it.) 

 I usually do 30 seconds per leg 1-2 times per day. Typically, I do this in front of the microwave (where I have a timer), while waiting for the train and counting to 30, or while making a latte using the fancy coffee machine at work (which conveniently takes 30 seconds for foam and 30 seconds for espresso).

I am a parent to a teenage daughter. [Insert appropriate level of panic here.]

Personally, I don't think most people really know what they are doing when it comes to parenting. I always felt like there would be a magical day when I felt grown up and like I knew all of the secrets of the world. Suffice it to say that it hasn't happened. Regardless, I have a child, and she's growing up, so I've continued to make things up as I've gone along, and it's been going pretty well. So far, she's a likable, considerate person who gets decent grades, has a lot of interests, and has friends whose parents I don't hate. As an extra added bonus, she gets along with me as a mom and a tolerable adult figure. I consider that a win.

With that less than stellar resume of my parental qualifications, here are my top 3 pieces of unsolicitied life advice for my teenage daughter. Who knows. Maybe your child, or any random adult for that matter, will learn a little something.

There are some basic life things that we all have to do--but there's a whole lot that we actually don't have to do, but that we do out of obligation. Let me rephrase. You do not  have to do everything people ask or tell you to do, like or try. ​You get to say no and you don't even have to give said person a reason why either. How cool is that?

You don't have to like a band, hate a person, identify as gay/bi/straight, try a drug, do a shot, dye your hair, eat food, take a dare or do anything physically that you don't want to do. People of all ages will try to tell you otherwise, and they are wrong. This also goes for hugging someone creepy, eating a dessert that a coworker made or having a second helping of casserole because someone says "You are too skinny!" People often want some sort of validation for how they live their lives, and they will try to get someone to affirm their own choices by choosing them, too. You don't have to be that someone. 

​The flip side of this is that other people also don't have to do everything you tell them they have to do either. We each get to make our own choices, and take a "No" or "No thank you" or "I don't think so" as a real answer. Set the personal boundaries that are right for you, and accept other people's boundaries, too. 

Children and adults alike each deal with "emergencies" on a regular basis--many of which wouldn't have had to be emergencies with just a wee bit of forethought. Many day to day "emergencies" can be mitigated by having your cell phone, $10 in cash, and your house keys.

On the low end, here are a few super-easy tips from me to you. Bring a towel with you into the bathroom. Brush your teeth before you put on your lipstick. Put on your knee pads before your wrist guards. A little forethought goes a long way.

On to bigger and better things. Many other perceived "emergencies" have only become so because of neglecting to look ahead a few days to see what is coming up or a general lack of communication. On Sunday, look ahead at your week. Give me a heads up that you have a band concert, volleyball game, birthday party or sleepover at least 2 days before it happens. If I have to fill out paperwork, or give you permission to do something, or figure out any logistics, make that a week. All those activities that you are involved it don't just happen. It takes a bit to get a doctor's appointment for an athletics physical or request a copy of your vaccination records or lay hands on the special whatever-it-is that you want to get whats-her-name for whatever thing it is she's celebrating.

Also, just know that if you don't plan ahead, I am at the point where I'm done making your poor planning my emergency. I've got things going on too--must of which I had to schedule and arrange to accommodate all of your activities that I actually knew about.

Overall, take responsibility for your own life because no one is going to care more about your activities than you do. Get a calendar and write things down. While I'm temporarily still your chauffeur, I am not your concierge.

Everyone needs help from an adult sometimes. Everyone. You can talk to me, or if you'd rather, try out these people: your dad, your step-dad, my best friend, your best friend's mom, a teacher at school who you like. Talking to your friends is great, but sometimes you need an adult opinion. (I have 30 years of life experience on you--which means I've been through a few things that are totally new to you.) You are fortunate that you have many, many people who care about you who want you to be well. Even if you think it's the most horrible thing that anyone could ever do, let's talk and figure out what's next. Give me a chance to help before you do something extreme like running away, hurting yourself or hurting others. I am also happy to share my list of stupid things that I did as a child (and some after that) that I also thought were super horrible then that you will find laughably lame, now. 

​If you know of someone who you think needs help, tell one of us about that, too. I am happy to talk to your friends, their friends, other people's parents, or whoever else you think is struggling to help them get through it--whatever it might be. Life is often hard, and going through it alone makes it even harder. Let one of us help--which includes picking you up and helping you get out of a messed up situation at some god awful hour in the morning (which I will happily do whenever it is needed.) I'm also not going to yell at you or give you a hard time. Again. Here to help.

What is your top "adulting" advice for others?

I'm not a huge AC/DC fan, but being from a small town with a bowling alley, I have heard a fair amount of AC/DC in my time. Regardless, I do love a good cover, though--the more unexpected, the better. Check out these three fun covers of the song "Thunderstruck" as I'm guessing AC/DC never imagined it could be.

Turns out there are actual words to "Thunderstruck." In this version, you can even tell what they are--although there is no guarantee that all of these words align completely up with the original lyrics. It's even better when played by a Finnish band and features a banjo, an accordion, an anvil and a set of spoons.  

This guy does covers of popular songs on a piano in a church. It's surreal hearing Thunderstruck sound beautiful. 

My high school orchestra (who I swear could not play any song quite SLOW enough) would have been way more fun with these two. It's not everyday you see an intriguing Creation cello duo.  I wonder how many bows these guys go through in a show. The Louis XVI era dress makes this rendition even better.

Previously I posted about indoor roller skating rinks that are open year-round in the Twin Cities area. Now, let’s talk about other skating options:

• Skating outside
• Special skating events

​For these roller skating options, there’s no equipment rental. Instead, you need to have your own skates, and your own safety gear (knee pads, elbow pads, wrist guards, helmet, mouth guard) as well. In some cases, safety gear is required, but in all cases safety gear is just plain a good idea. 

Personally, I fall down a fair amount because I’m trying a new skill, doing something involving contact or dodging small children—and that’s inside on a floor designed for roller skating. Outside, it’s a whole different experience. Now you have things like heat, cold, rain, wind, puddles, uneven terrain, rocks and potentially traffic.

​When skating indoors, even just at a roller rink, I always wear some kind of knee pads. Always. Outside, I recommend wearing closer to full gear. You may feel like a dork for a bit, but injuries suck, and sitting on the side of a trail bleeding is not cool at all. Regardless of heat, I also suggest wearing leggings of some sort. Falling on even a thin layer of material is much more pleasant than having your bare skin scrape across pavement (as my daughter learned the hard way).

That’s right. Indoor skating and outdoor skating require different wheels. Who knew? Well, now you do. In short, roller skating wheels vary in how hard they are and for outdoor skating, you need softer wheels to absorb the shock of uneven terrain. Wheels are labeled with a durometer (or hardness) number. The higher the number, the harder the wheels. Wheels considered outside wheels typically have a durometer of 78a. Hybrid wheels (appropriate for both inside and outside) are typically 84a. 88a and above (the scale goes to 101a) are for skating indoors.

Given that super quick description, get thee some outdoor wheels. As a frame of reference, I picked up wheels that are a 78a, for myself. I also have dedicated outdoor skates, which were my starter roller derby skates. I I know myself well enough to know that I was not going to take the time to change my wheels each time I wanted to switch from skating outside to inside.

For my daughter, who currently has 1 pair of roller skates until I figure out if her feet are done growing, I got a set of hybrid, or indoor/outdoor, wheels with a durometer of 84a. Again, I’m not changing her wheels every time we skate, and the extra grippiness of having softer wheels indoors for her is not the worst thing as she learns new skills.

Now that we’ve had the safety gear and outdoor wheels talks, here are ideas on where to actually get to the outdoor skating:

• Multi-Use Trails: Here in the land of 10,000 lakes, and I swear as many parks, there is no shortage of trails that can be used for walking, biking and skating. A few fellow skaters have mentioned skating around Lake Nokomis, the Dam (Near Coon Rapids, MN) and Lake Calhoun. In general, looks for trails that have fewer hills, more even terrain, and in a distance that works for you.
• Skate Parks: Granted, these are tailored for skateboarders, but they work for roller skating, too. Some would argue that to increase your skills as a skater, trying out skateboard ramps is a way to up your game. Under "Learn More," Check out Chicks in Bowls for fabulous, badass women who do amazing feats on ramps. 
• Dedicated Skating Areas: The Oval in Roseville, MN is a great example of a dedicated skating area. It is open from late spring through fall. They have it all. A skateboard park with ramps, a track where you can do laps and a rink area (which is used for hockey in the winter) where you can skate smaller, more roller derby friendly size laps. 
• Places with Skating Friendly Surfaces: Some places have surfaces that are skate appropriate. For example, Wolfe Park Pavilion in Saint Louis Park, MN has a large area that is great for skating. Granted, there isn't a posted schedule and it is used for multiple events, but it's also a great skating location when it is available. 

Here are a couple more options for skating. These are inside events where you need to bring your own skates and safety equipment. They only open at special, scheduled times:

• Schwan Super Rink at the National Sports Center in Blaine, MN: In June and July of 2017, they had several scheduled dates where you could roller skate at their facility. The events required full pads and a waiver, was for adults only and had identified schedules for what would happen when (warm ups, open skate, etc).
• US Bank Stadium in Minneapolis, MN: The old Metrodome stadium was known as a popular inline skating location. In late 2016 and early 2017, US Bank Stadium had several dates for roller skating, or inline skating, inside their facility. The events required full pads and a waiver, had restrictions on phone/camera use, and was open a few hours at a time when people could skate. 

If you're in the Twin Cities area, and looking for a buddy for skating related fun, check out the Skate Dates group on Facebook. 

Many times, when you ask someone how they are "BUSY!" is a common response. Some wear "busy" like a badge of honor. "Busy" indicates that you are so good at pretty much everything that you are constantly in demand. While it's definitely nice to be wanted, it's also exhausting to try to do everything all the time for everyone. 

As someone who was formerly a member of every group and an organizer of every event--to the point where it way way more work than fun--I've learned a thing or three about managing my time to increase my overall happiness.

People talk a lot about time management as a way to squeeze the most life into every waking moment. I used to try really hard to do everything I thought I *should* do. (The word “should” is a hint that perhaps I didn’t want to do some things very badly.) Want to know a little secret? One of the real tips for effective time management is deciding what you’re not going to even consider doing. 

I always appreciate being asked to help out, attend a function or be a part of a group. Now, I find other ways to help that involve a time commitment I'm willing to make. Do I want to volunteer to run a junior roller derby bout? No, but I'll donate items for the silent auction. Do I want to organize all of the volunteers for the school fiesta? No, but I'll volunteer for an hour to sell tickets or just contribute money. I've learned to say no to things that I'll end up dreading, and to say yes in a way that I won't hate. 

Saying no is freeing. It's beautiful to be invited to an out of town wedding for a passing acquaintance and politely decline to attend. It's nice to not to go to every single class my daughter takes and feel like I'm a bad parent if I don't pay close attention to her every move. It feels good when I take care of myself by not committing to go to multiple events on a given day because it's just too much all at once.  

​I've also gotten better at realizing that I don't need to give an excuse or an explanation for saying no. I get to just say "no thank you" or "that's not my thing" or "I have a conflict" and that's enough. I get to manage my time, priorities and energy as I see fit--and everyone gets to be okay with that.

​In life, all of us have received a talking to regarding the value of sticking with things. I came equipped with way to much of that skill. I am the queen of work more, try harder and overachieve. I kept on dating someone way after it was clear that the relationship was going nowhere. I stayed involved in organizations long after the benefit to me was gone out of a sense of obligation (and probably of my own importance). I stayed in jobs that had stopped being interesting because it was easier to stay than it was to find something I'd like more. I've kept going with lots of things because "I'm no quitter!" 

Today, I am proud to be a quitter. It's just a matter of figuring out when it's time to keep trying, and when it's time to call it a day. 

I decided to end a marriage when there was nothing else constructive I could do to make it work that would not seriously impede my own happiness and self worth. I quit volunteering to run an art festival when I realized it was a source of stress instead of a source of joy. I quit a part time job because the hours were terrible and my time was more valuable to me than the small amount of pay I was receiving. Knowing that you don't actually have to finish everything you start is an important life lesson to learn.

My "stop doing" list was a welcome relief to obligations I was taking on for no good reason. I stopped getting together with friends who weren't fun. I stopped going to family gatherings where my drive time was way longer than time I would get to spend with individual people at the event. I quit finishing books that I started reading, but didn't like and stopped watching tv shows that lost my interest. I also quit denying the fact that I need a fair amount of alone time to maintain my happiness.

​Quitting really is freeing when you don't view it as failure, but a non-judgmental ending that opens up the possibility of new beginnings.

Really? How is trying new things a time management skill? For me time management is really happiness management. Part of my ongoing happiness comes from learning and trying new things. Now that I've freed up time by saying no and quitting things that no longer serve me, I have time available to try whatever appeals to me at the place I am in life.

Recently, I tried soma yoga, started a roller derby skills class and decided to go roller skating with my daughter weekly. I now block off time to blog and read. I also spend time with my husband, go to movies at my favorite local theatre, schedule much-needed introverting time  and hike new trails with my best friend. Over time, I'll hang on to what I still enjoy, move on from what I've discovered isn't my thing. Maximizing my time (whatever that looks like to me) makes me feel better.

​Many people think of retirement as the magical day when they no longer have to work. The reality is that retirement is not just a one-time event. Instead, retirement is a phase of your life that could last decades. Part of the challenge of planning is making sure that you have enough saved in your retirement account so you can enjoy yourself without outliving your money.  

​In a previous life, I worked as a corporate trainer supporting a group of Financial Coaches in one organization’s Retirement Planning Group. The goal of this team was to help people prepare to retire. This included financial coaching conversations about topics including saving, investment options, health care, and the million factors to be considered when figuring out the logistics of retiring. In addition, we also focused on helping people envision the lives they want to lead, and figuring out what financial resources would be necessary to make those retirement dreams a reality.  

​Here is my disclaimer regarding the content in this article. (We all know there has to be one of these just to set the record straight.) The ideas included are for educational purposes only, and should not be construed as financial advice. Concepts covered here are overly simplified examples of basic retirement related information. Please consult a qualified financial professional to learn additional details about each financial concept and to help you figure out what is right for you.

​Now, let’s get back to an often asked question about retirement planning. Many time, when having initial conversations about retirement, people just wanted us to tell them what they perceived to be a very simple question: How much money do I need to save for retirement?

• The short answer is—a lot.
• The longer answer is—it depends. 

Sometimes, articles on retirement planning suggest a simple answer that even includes an actual dollar amount: $1,000,000.

That’s right. ONE MILLION DOLLARS!
​
Doesn’t that sound like a CRAZY amount of money? Certainly, if I had a million dollars, I’d be rich—and for sure able to do whatever I wanted in retirement.

​The trick with retirement is that it may last a really long time—think 30, 35 or even 40 years. When we’re working, we get more money every couple of weeks as long as we stay employed. In retirement, though, we start with a big pile of money and our goal is to figure out how to not run out of money while we’re still alive. So how do we do that?

One common strategy for attempting to not outlive your retirement money is the 4% rule.

In super-oversimplified terms, the thought is that if you withdraw 4% of your total account value annually, there’s a pretty good chance that you’ll have enough money to last you for 30 years. (Notice that the word “guarantee” is nowhere in this statement. There are no guarantees. There is only planning as best we can and adjusting our plan as we deal with the challenges life throws at us.)
​
Basically, if you start with $1,000,000 in retirement savings, and use the 4% rule as a guide, in your first year of retirement, you would withdraw $40,000 worth of income. If you’re for real using the 4% rule, you’d adjust what you take out each year based on inflation—meaning that you’ll typically end up taking out a little more each year. 

Translating $1,000,000 into about $40,000 a year puts that amount in perspective. Depending on your lifestyle, you may need to save more, or less, money for retirement. One commonly recommendation for figuring out much income you need is to anticipate that you’ll need to replace approximately 85% of your pre-retirement income. If for example, your pre-retirement income is $50,000 per year, 85% of that would be $42,500. (Again, in this super-simplified version doesn’t consider other sources of retirement income, like Social Security, or inflation.)
​
One way to estimate the amount you may need to save is to take what you anticipate to be the annual income you want, multiply that number by 25, and use that as your overall savings goal. If, for example, you decide your annual desired income from your retirement account is $75,000 per year, $1,875,000 could be your desired retirement savings goal. (Again, in this super-simplified version doesn’t consider other sources of retirement income, like Social Security, or inflation.)

Check out these resources to give you another take on these topics. Don’t take my word for it—keep learning more so you can make the best decision for you.

• 3 Serious Problems with the 4% Retirement Rule
• NerdWallet’s Retirement Calculator
• Information from the IRS about Retirement Plan Contribution Limits
• "If I Had a Million Dollars" performed live by the Bare Naked Ladies

A while ago, my husband and I stumbled upon a channel on our Roku called DittyTV. This station features  videos by Americana musicians. Here are videos by three of my favorite groups that I've found recently. 

This video features Shawn James without the Shapeshifters. He's just a guy, in a room full of weird stuff singing an amazing song and playing all of the instruments by himself.

Any guy whose band is called The Night Sweats has to be okay. The song is fun and the video has a Blues Brothers movie feel.

I love these 4 Canadians dressed like Amish guys in this quirky video where they are playing in multiple atypical concert locations.

In roller derby, pads are not for if you fall, but for WHEN you fall. Keep this in mind as you pick out your first roller derby gear.

Having the right safety equipment is a prerequisite for even entering practice. Your gear will be checked to make sure you're wearing all the pieces and that it's all on correctly. Missing equipment means that you don't get to skate. 

​Being a sport that not just everyone knows about, it takes a little bit of research to figure out what to buy, how to buy it, and where to buy each item. Here are a few tips to get you started. 

You're looking for roller derby skates, not inline skates or artistic roller skates. Roller derby skates usually have a lower boot than the skates roller skating rinks have for rent.  Derby skates are typically sized in men's sizes, and for women, buying 1 size smaller is recommended. Here are few popular skates for fresh meat (roller derby newcomers) that run about $100-$175 : Reidell Dart​,  SureGrip GT-50 and ​Reidell R3.

Since concussions are prevalent in roller derby, getting a quality helmet is important. Helmets used for roller derby are not the same as bicycle helmets. Typically a skateboard helmet or hockey helmet works. Measure your head, and use those measurements to make sure you purchase the right sized helmet. A helmet will probably be at least $30. Triple 8, Pro-Tec and S-1 are frequently purchased brands. 

You can pick up a sports mouth guard at a drug store or big box department store for under $10. Many roller derby skaters grab a mouth guard by SISU. They are lighter weight and you can  drink and speak more effectively with one in. These may run around $30 and come in a variety of fun colors.

You need a set of elbow pads with hard plastic on the elbows. Popular brands are Triple 8, 187 and Pro-Tec. Make sure they fit snugly on your elbows.

You need a set of wrist guards that have braces on the fronts. (If you see roller derby skaters clapping, they are usually hitting their wrist guards together.) Ideally, wrist guards should have a brace on both sides for additional stability and protection--like the Triple 8 Saver Series Wrist Savers, which run about $20.

In roller derby, falling is inevitable, and I almost always fall on my knees. There are also several skills that require you to land on or tap your knee pads. Consequently, knee pads are a good place to buy better gear right away.

​Personally, I started with low end Triple 8 knee pads (about $30) , and I quickly upgraded. I went with 187 Killer Pro Knee Pads, which were about $65. It seems like a fair amount of money, but not damaging my knees is worth way more than that. Some people don't like how far the 187s stick out, so try out different brands or talk with other skaters to see what they like. Pro-Tec, Smith Scabs and Deadbolts are just a few other brands to check out. See the Learn More section for a link to an article including knee pad reviews. 

Ideally, you'd get a chance to try on gear before you buy it. Be sure to see if there is a roller derby shop in your area. In the Twin Cities, check out Derby4All. General sports stores, or skateboard shops, may have some equipment, but not necessarily the best derby specific gear.

For beginning derby skates, you may want to check out the pro shop at your local roller skating rink. The selection is typically not huge, but you may have a chance to try on skates before buying.

Online, there are approximately 4 bijillion places where you can buy derby gear. Here are just a few:

• 2N1 Skate Shop
• Devaskation
• Bruised Boutique​
• Derby Warehouse

Be sure to check with other skaters. They may have gear that they want to get rid of that can get you started.

Facebook also has several different groups to buy, sell and trade roller derby gear. Here are a few:

• Derby Deals
• Roller Derby Swap Shop
• Roller Derby Recyclables
• Second Chance Skates

Please note that I'm not receiving incentives from any organization to promote or suggest one product or website over another. These are just my personal opinions, for your consideration. Here are places where you can learn other people's opinions:

• DerbyLife: A Rookie's Guide to Roller Derby Gear
• The Fresh Meat File: All You Need to Know to Get Started in Roller Derby
• Derby 101 Guide from the South Bend Roller Girls
• Knee Pads 101: Reviews on Several Popular Roller Derby Knee Pads

​

When it comes to basic financial advice, we all know what we're supposed to do. Spend less than you earn. Save for retirement. Pay down your debts.  This covers the what, and a little bit of the how, but skips the most important part: the why.

 When figuring out how to budget your money, you need to know what you care about and how that influences what you spend your money on. Without thinking thorough the why, you may catch yourself spending money on things you don't really value just to keep up appearances--or because you think you should spend on those things. 

Most of us inherently know what we care about, but we have a hard time putting it into words. Fortunately, Think 2 Perform offers a free, online tool that can help you name and prioritize your values. For me, this tool helped me translate my ambiguous thoughts about what matters to me into a few helpful terms. 

Here are my top 5 identified values:

• Happiness
• Health
• Autonomy
• Relationships
• Education

Here's what each value tangibly means to me: 

• Happiness: For me, happiness means low stress, low hassle and low drama. It includes quiet time for me to recharge, and the time and money to do things that I want to do with people I  enjoy. It also means I have choices and options and I can decide what I want to do and when I want to do it. 
• Health: After seeing friends and family members struggle with health issues that limited their mobility and quality of life, being healthy is a priority. Health means getting enough sleep, eating well, staying active, being functionally fit, having energy, not being in pain and making time for my mind and body to rest. It's important to me that I am able to take care of myself and my family and set a good example for my daughter so she doesn't have to struggle with some of these same issues.
• Autonomy: I like to have options. I like having control over my schedule and being able to decide what to do on a given day. I like to be able to work from home and work shorter hours on some days and longer hours on others depending on work demands.  I like living in an area that has so much to offer and being able to have multiple possibilities for what to do in a given day.
• Relationships: I work to maintain the strong relationships I have with my husband, my daughter, work colleagues, and friends I've made during different part of my life. My best friend and I get together weekly--even if it's just to run errands together or take a walk. My daughter and I have game night and go roller skating together. I make the time to participate in communities related to my current job, my profession, my daughter and my neighborhood. 
• Education: In day to day life, I look at each interaction as an opportunity to pick up information--whether it's a new meditation app, a great place to buy a Vera Bradley purse or characteristics of the best roller derby wrist guards. I also do the standard things like take classes, attend webinars and re ad daily.  At my professional job, I create experiences to help individuals continue grow their knowledge after initial training has been completed. Overall, education is a big part of who I am.

So how do those values translate to how I choose to spend my money? Here are a few examples on how this manifests itself :

• Happiness: I budget for a monthly light rail train pass. Since driving in traffic stresses me out, I commute to work via train.
• Health: I budget for monthly massages for myself. It  helps me make time for self-care and promotes my overall physical and mental health. 
• Autonomy:  I budget for 2 vehicles.  In addition to my train pass, my family owns a car and a truck. We have a car because it's more comfortable for road trips and a truck so we can haul things. There is also less coordination of plans, and we have a backup vehicle if one needs repairs. 
• Relationships:  I budget for roller skating. Since my daughter and I both started doing roller derby earlier this year, one of our mother/daughter activities is roller skating. We usually go once a week together, and sometimes she brings a friend or we skate with other people we know. 
• Education: I budget for exercise classes. Recently, my best friend and I went to an all day yoga festival where we got to try out multiple yoga styles.