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What was your first job and why did you get it?My first job was teaching swim lessons/lifeguarding when I was 15. I worked at the same day camp I went to as a kid and loved every minute of it. The camp would let me give private swim lessons to campers after hours in the pool and wouldn’t charge me a fee, which was so kind. This money I got to use as spending money, but my paychecks from the camp went right into savings.

Did you worry about money growing up?Yes. There was zero need for me to worry, however, so it was all self-inflicted. I would panic that one day we would wake up and have nothing left. If we went on vacation or even out to dinner, I would cry hysterically that we didn’t have the money to do so (we did, my parents were anything but frivolous). Lots of therapy has helped me realize this fear stems a lot from my eating disorder and needing a sense of control. I can’t control what happens tomorrow, so I fear that I need to hang on to every penny just in case of the unknown. I am still working on this. MINZY Life is Simple Just Add Water Poster

Do you worry about money now?Absolutely. When I moved to Charleston from Washington, D.C., I gave up a very lucrative career to be closer to family. The trade-off was now living in a city where wages are about 1/3 of what they are in D.C. And a new industry that pays less in general. It doesn’t help that I am now unemployed and have zero income. While I have good savings and am not in any financial trouble now, it still worries me as I do not know how long this unemployment will last. It keeps me up at night thinking about a stupid purchase I made ten years ago and thinking how I could have that money in the bank now. I am trying to keep calm and not talk myself off a ledge every day since I don’t think all the money in the world could keep me from not worrying about it.

At what age did you become financially responsible for yourself and do you have a financial safety net?I got my first credit card sophomore year of college and have been paying for that on my own expenses ever since. My parents paid for my tuition and rent in college, but I was responsible for all other bills. After I graduated, I was kicked off the family cell phone plan and 100% on my own. If I was ever in trouble, however, my parents would be my safety net. It would have to be a dire need, though, as my pride would have me spend my entire savings before ever asking for help.

Do you or have you ever received passive or inherited income? If yes, please explain.When I was 12 and had my bat mizvah, I was gifted a lot of money from family and friends. All of it went into the bank. This was the nest egg that really started my savings/investments and the ability to buy a condo at 22 in cash. Other than that, I have not had any inheritance.

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