Yeah, but, who are you?

Yeah, but, who are you?

Yeah, but, who are you?

The Extended Cut

Headshot of Wendy Granger

Hi, I’m Wendy! I didn't used to be a finance nerd. It started when I was 24, staring down a mountain of grad school debt with no idea what to do about it. I'm a detailed and organized person. I love designing more efficient ways of doing things. But I knew nothing about how to manage my money. I realized, no one ever taught me this stuff. Not in school, not at home, not at work, but I needed it for just about everything in daily life!


Since I can't not understand and figure things out, I had to teach myself. But how? From the same place I learned most things: books! I started with a couple of books on personal finance. That led to podcasts, articles, and whatever else I could find, and it led to an epiphany: money could be a tool working for me, not a nebulous fear working against me. I didn’t have much, but I had a plan. Suddenly money became easy. It became a source of security and confidence, even despite the mountain of debt. My heart told me, "Everyone needs to know about this!"


So I started talking about money to anyone who would listen, and I watched some of my friends’ relationships with money start to change. It expanded to sharing my Excel budget templates and to sitting down with friends to go over their finances in depth. And it worked! I was hooked on seeing their epiphanies. So much so that I eventually left my career in Film & TV production for it!

So then where did FOLC come in?

So then where did FOLC come in?

But there was one person I just couldn’t seem to reach: my own sister. We would sit down to try a new budgeting tool, or to open a savings account. And it was all so daunting and scary for her. Spreadsheets immediately made her eyes glaze over. We would work hard on it, and she would get it in the moment, but it wouldn’t be long before it all fell apart and she was afraid to check her bank account again.


And she wasn’t alone. I watched other people I love feel just as daunted, some of them with ADHD like my sister, others just intimidated by money to the point of avoidance. And that’s when it clicked. The “standard” way of doing personal finance doesn’t work for everyone.


I don’t have ADHD myself, and I’m no clinical expert, just a person who believes that money confidence can, and should, be for everyone. So I wanted to build a system that works for my sister, and my friends who have ADHD or are otherwise afraid of money, one built around how people actually think, not how a textbook says they should.


That’s where the no homework, no jargon, no judgment came in. So I would work through it with you, to take the fear out of each step, make it easy to get done, and help it stick.

But there was one person I just couldn’t seem to reach: my own sister. We would sit down to try a new budgeting tool, or to open a savings account. And it was all so daunting and scary for her. Spreadsheets immediately made her eyes glaze over. We would work hard on it, and she would get it in the moment, but it wouldn’t be long before it all fell apart and she was afraid to check her bank account again.


And she wasn’t alone. I watched other people I love feel just as daunted, some of them with ADHD like my sister, others just intimidated by money to the point of avoidance. And that’s when it clicked. The “standard” way of doing personal finance doesn’t work for everyone.


I don’t have ADHD myself, and I’m no clinical expert, just a person who believes that money confidence can, and should, be for everyone. So I wanted to build a system that works for my sister, and my friends who have ADHD or are otherwise afraid of money, one built around how people actually think, not how a textbook says they should.


That’s where the no homework, no jargon, no judgment came in. So I would work through it with you, to take the fear out of each step, make it easy to get done, and help it stick.

CREDITS

So what did “teaching myself” actually look like?

So what did “teaching myself” actually look like?

Ramit Sethi’s “I Will Teach You to Be Rich” was the one that started it all. Then Beth Kobliner’s “Get a Financial Life.” I lived on Optimal Finance Daily, The Money with Katie podcast, NerdWallet, and NPR's LifeKit, plus a ton of others. More recently, Morgan Housel’s “The Psychology of Money” gave more new insights for my brain to noodle over.


Highly recommend all of them. Check them out and you might not need me anymore!

Ramit Sethi’s “I Will Teach You to Be Rich” was the one that started it all. Then Beth Kobliner’s “Get a Financial Life.” I lived on Optimal Finance Daily, The Money with Katie podcast, NerdWallet, and NPR's LifeKit, plus a ton of others. More recently, Morgan Housel’s “The Psychology of Money” gave more new insights for my brain to noodle over.


Highly recommend all of them. Check them out and you might not need me anymore!

DELETED SCENES

Do you only think about money?

Do you only think about money?

When I’m not being a joyful spreadsheet nerd, I’m usually watching movies. I’ve also been known to be roller skating, or petting all the dogs I meet. Also, T-rex is the best (and funniest) dinosaur, no question.

When I’m not being a joyful spreadsheet nerd, I’m usually watching movies. I’ve also been known to be roller skating, or petting all the dogs I meet. Also, T-rex is the best (and funniest) dinosaur, no question.

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