It’s Per$onal #160 – Age 30, Fredericksburg, VA


It’s Personal is an anonymous blog series about the personal lives and finances of women.

its personal


What is your name?

Taylor, IG: @thedebtfreewife


How old are you?



Where do you live? City and State (or Country if outside the U.S.)

Fredericksburg, VA


Do you like where you currently live? Why or why not?

Sort of!


Do you have any hobbies?

Reading, napping, wannabe runner!


What is your highest level of education?



If you went to university/college, what school did you attend? What did you study?

Purdue (online), Fire science and emergency management


What is your current occupation? If not currently employed, please say “Not Employed”

Public safety consultant


If you are currently employed, do you like your job? Why or why not?

Yes, for the most part. I like the content of my job but don’t particularly love working for the government


If you are currently employed, what is your yearly salary (or approximate yearly compensation)? Feel free to include any bonuses or other compensation perks you may receive this year.

$94000 + $400 added to HSA, $7500 year towards education, 21 days of PTO, 6% 401k match


Have you ever been promoted at work? Please elaborate if so.

Yes, I have promoted once in 3.5 years. It came with a 12% raise & 5 additional days of PTO.


Have you ever negotiated your salary? Please elaborate if so.



Do you have a second job or side hustle? If Yes, please explain.



If you have a second job or side hustle, about how much money do you make monthly from your second job / side hustle?



Are you single / in a relationship / married?



If you are in a relationship / married, do you and your partner have joint or separate finances?
Do you have any children / dependents?

Yes, a 19 month old daughter


Do you have any pets?



What is your monthly rent / mortgage for your household?



About how much do you spend on groceries each week?



Are you debt-free?



If you are debt free, how much debt have you paid off and how long did it take you to pay it all off?



If you have debt, what kinds of debt (i.e. credit cards, student loans, car) and how much debt do you have?

Student loans, furniture, car


Are you currently investing/saving for your retirement?



If yes, about how much do you have invested/saved for retirement? Are you satisfied with this number?

~$40k, I feel behind but doing as much as I can


What’s been your favorite purchase of 2023 so far?

My husband and I took a trip to Asheville. That tops everything so far.


What’s one piece of advice you’d give to your younger self? (Doesn’t have to be money-related)

Don’t make yourself smaller so others can take up more room.


Do you have any current goals you want to accomplish? (Health, Fitness, Financial, Travel, etc.)

Run a marathon, make $100k


What are you struggling with in life at the moment, if anything?

Productivity. I struggle with work while also being home with a toddler.

I was a highly productive person before becoming a mom and struggling with the way my productivity has changed.

It feels impossible to be both a good mom and a good employee.


What accomplishments of yours are you most proud of?

My bachelors degree!


What makes you imperfect?

I jump into things with both feet and then lose interest quickly


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It’s Personal is an anonymous blog series about the personal lives and finances of women.


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About Taylor

A few years after graduating college, Taylor made it her mission to become debt free. After paying off all $60k of debt, she began to blog about what she's really passionate about: personal development. Nowadays, Taylor blogs about the topics of Mindset, Money, Health, and Career for women.

"It's Per$onal" is a super popular and anonymous blog series about the personal lives and finances of women all over the world. Check it out!

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