3 Times I’ve Gotten Lucky With Money

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Are you lucky with money? I share 3 instances in my life where I've been lucky with finances, largely due to the advantages I've had.

This may not be the news of the century, but I’m far from being rich. At best, I’ve been lucky with money. My parents were lifelong factory workers, I grew up in the same small bedroom in a modest brick home for first 18 years of my life, and I had a job from the time I was legally allowed to work.

I never had a brand new car or a private school education growing up, but I did have a very comfortable childhood. We didn’t get everything we wanted, but we never went without basic necessities, even when my parents were laid off from their jobs.

While I may not have grown up as one of those “rich kids,” I’ve certainly had many advantages along the way in helping me get to the point where I am today, and sometimes I feel the need to remind myself just how fortunate I’ve been. Here are three times I’ve gotten lucky with money.

#1 Parents Who Talked Openly About Money


I was so very lucky to have parents who weren’t afraid to talk about money in front of me. If I asked how much money they made, they told me. If we didn’t have the money for something when my parents’ factory was on strike, they told me.

If I wanted to know specifics about our family budget, they told me. There weren’t any financial secrets in my childhood household and, although I didn’t realize it then, their openness taught me to never be afraid to talk openly about money. And here I am doing just that every week at Frugal Rules. 😉

#2 Free College Education


I always knew I would go to college, but I never expected my parents to foot the bill for me to attend a private or out-of-state university because I knew how much those colleges cost. An expensive university education was never a possibility for me, and I was fine with that. I knew enough about money to know that I didn’t want to saddle myself with student loan debt for the next couple of decades for a degree from an expensive college that would get me no further than a degree from a state school.

So when I applied for in-state universities, I applied for as many scholarships as I could find. The one I chose to attend was the university that gave me the most money, and it wasn’t my top choice.

Now that my college career is a decade behind me, I’m so glad I made the choice to attend an affordable college. After my scholarship money ran out, I worked every summer and took odd jobs during the semester, and my parents helped foot the remainder of the (affordable) bill. I graduated with no student loan debt, which was a lucky way to start my adulthood.

Are you lucky with money? I share 3 instances in my life where I've been lucky with finances, largely due to the advantages I've had.

#3 Being in a Two-Income Relationship


This isn’t something that’s mentioned very often in the personal finance blogosphere, but it’s easier to save money and take financial risks when you’re in a stable, dual-income relationship than when you’re single because you’re sharing expenses, you’re part of the same team and you always have something (and someone) to fall back on. Having my husband’s income as a safety net helped me gain the confidence to leave my job two years ago to freelance and stay home with our daughter, and I’m not blind to that fact. That was a huge deciding factor for me, and I’m not sure I would’ve made the leap without him.

Whether we realize it or not, many of us have had certain advantages in our lives. Growing up with a supportive family is an advantage. Living in a low cost of living area is an advantage. The ability to attend college is an advantage. Being born into a free country is a huge advantage. Instead of being ungrateful for the things we want but can’t afford, we should learn to be thankful for the opportunities we’ve been afforded in our past.


Do you feel like you’ve had certain financial advantages or opportunities in your life? If so, in what way? In what ways do you feel like you’ve been lucky with money? How do you feel you’ve been unlucky? If you could go back, what would you do differently with money? What would you do all over again?

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Robin McDaniel

Robin is a freelance writer who chronicles her financial missteps and victories on her blog


  • I definitely feel like I’m lucky for having parents who care about me. They were very frugal and I learned a lot from watching them manage their money. They also helped me avoid some big mistakes in life.

  • Money Beagle says:

    I started off with no student loans, which was a very positive thing. I’m very grateful for that.

  • I’m not sure I’d call the scholarships luck. You worked hard to qualify for those, and put in the time and effort to apply. Everyone always tells me I was lucky to get a full-ride scholarship, but only a few of them saw how much I worked my tail off in high school to be in a position to get the scholarship. Being debt free right out of college felt really great, though!

  • I was lucky with money by getting a free college education as well. It has really helped my finances to not have student loans out of college.

    I’ve never been in a live-in relationship and shared expenses with a significant other. I know other people who are in that situation and they definitely save a lot on rent.

    Side thought: I really like the images for this post. 🙂

  • Mike says:

    My parents always talked about money too. I guess that is why I have been pretty good (not great) with money too. I was fortunate to earn a scholarship to a private university, so that save me a quite a bit of money too.

  • Tawcan says:

    I started off without any student loans either. Definitely got me off to a great start. I’m very lucky that way.

  • Nicole says:

    I didn’t finish college, but I was lucky enough to walk away debt free thanks to grants and scholarships and I feel thankful I don’t have school loans to worry about. I’ve also been in a two income relationship most of the time I’ve been with my husband which has definitely helped us plan for our future. I am grateful.

  • #3 is a big one. My wife has no desire to stay at home with kids one day and plans on continuing working. #2 is so awesome for you! As someone who had a totally opposite experience coming out of college, I can see the value in making sure my children – and as many other people’s children – graduate with little to no debt.

    • The more I read about the amount of student debt some people have, the more thankful I am that I (luckily) escaped it.

      And # 3 was a big one for me. It’s easier to take financial risks when you have something to fall back on.

  • I got lucky because husband has always been the entrepreneur type, even if he actually held a regular job for more than 20 years. He’s always earned money on the side,so this inspired me tremendously.

    And yes, we are a 2 income family, since I also run my web design business from home. It allows us to really achieve more of our financial goals since our 2 businesses ‘complete’ each other and having money from each one clearly boosts our finances.

  • I’m part of a single income household, and it can be challenging at times. To make myself feel more secure, I began side hustling. Not only does it bring in extra income, it has also given me a chance to acquire new skills and have new experiences. I don’t think there has ever been a time that I truly regretted having a new skill under my belt. Gives me more options for how to proceed in my life.

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