The rule I live by
Don't complain about something you're not actively trying to fix.
That's it. That's the whole rule, and it has completely transformed my life — mostly because, let's be honest, I love to complain. I'm not going to pretend I'm the kind of person who calmly accepts things. I vent. I spiral a little. What changed is that now the venting has to come with a next step attached.
I don't think the goal is to never feel stuck or frustrated. I still feel both, regularly. The goal for me is to close the gap between realizing something isn't working and actually doing something about it. That gap used to be months. Sometimes years. Shrinking it is the single thing that made me feel like I have any say in how my life goes.
What it looked like when I hated my job
I was in a job I hated, and I could have talked about it forever. I did talk about it a lot. But alongside the complaining, I started applying to new positions. I earned additional certificates in my field. I even started graduate school.
None of that felt dramatic at the time — it was mostly evenings and weekends and a lot of applications that went nowhere. But I ended up in a role I actually enjoy, making almost double what I used to make.
The venting didn't get me there. It just made the situation feel slightly less unbearable while the applications were out. The applications got me there.
What it looked like with six figures of student debt
When I graduated with six figures of debt, freaking out was the obvious response, and I did plenty of that. But I paired it with something else: I started learning everything I could about personal finance, and I tracked where every single dollar went.
Tracking sounds tedious and it kind of is at first. What it gave me, though, was information instead of dread. Instead of a vague feeling that my money was disappearing, I could see exactly which categories were eating my paycheck and which ones I'd been quietly lying to myself about.
That's the part I'd want anyone in a similar spot to understand about my experience — the number didn't shrink because I felt bad about it. It started moving once I knew what I was working with.
Yes, this includes getting roommates
Here's where the rule gets uncomfortable. If I look at my numbers and decide my expenses are simply too high to make any progress, then complaining about how expensive everything is doesn't count as trying to fix it. Actually fixing it might mean getting roommates.
I've been willing to do that. Housing is usually the biggest line item, and it's the one people are most protective of. I'd rather share a space for a while than spend years frustrated that nothing is changing.
That's my own tradeoff, not a prescription. Some people have kids, or a partner, or a job that makes it impossible, and there are other levers to pull. The point isn't roommates specifically. The point is that if a cost is genuinely the thing blocking me, I have to be willing to look at that cost honestly instead of treating it as fixed.
Side hustles and the part about control
The complaint underneath all my other complaints was this: I felt sick over the idea of a corporation controlling my entire life. My schedule, my income, my ability to leave.
So I tried a bunch of side hustles. Most of them I didn't like. I kept going until I found one I actually loved, because I wanted to become financially independent as soon as possible without pinching pennies for a decade to get there.
What I noticed is that the trying itself changed how I felt, even before the money did. The moment I was working on the problem, it stopped feeling like something being done to me.
That's the whole payoff of the rule. The sooner I take action, the sooner I stop feeling like life is just happening to me — and start realizing how much of it I'm actually in control of.