Photo by David Clode on Unsplash







Dear Smart Money People,

This is my favorite line from Finding Nemo in the production at Disney World in Orlando Florida. Guaranteed every time we see it, I cry. The scene is Dory is stuck in a fish net and Nemo sings “Just keep swimming.” The collective efforts of all the fish swimming down breaks the net. Then Dory starts singing “just keep swimming.” Fishnet breaks. Fish free. Queue TEARS

The message is clear though, just keep learning and growing and don’t give up. If you continue on the path of learning, growing, trying and reaching, no doubt you will achieve your goals, whatever they are. The point is that if you are growing, you are for sure, not the same person you were yesterday or last year. If you keep on that path, you will not be the same person you are today.

Brilliant Karen, but what does that have to do with me? Everything.

Money and personal finance is a long game. It takes TIME. It can be frustrating. But if you stick to your budget, remember your WHY and just keep swimming, no doubt you will achieve all you wish for and more.

When I started on this journey it was to fix my marriage. I wanted peace and happiness. I wanted joy and harmony. I wanted laughter to outweigh the serious conversations. I knew that money was such a huge elephant in the middle of our marriage that I had to do SOMETHING or it would never work.  My goal at that time was to settle the anxiety and frustration and fighting. It worked.

It worked so well that here we are today with a paid off home, no debt, a fully funded 6 months of expenses and retirement and college savings. It took 10 years.


What the journey had rooted deeply within us is a sense of “Look what we did!!” and then begged the question: “What else can we do??”

So my challenge to you is this, Just Keep Swimming. 

I’d love to hear what you have on your goal list. I’d love to hear how I can help!

Email me at karenandbill (remove spaces) and tell me where you are struggling or where a little help from your friends would benefit you.

You can always leave a comment in the comment section too!

As always, you’ve got this.

Swimming right alongside you.


Karen and Bill

One thought on “Just keep swimming”

  1. Love your blog. I feel like I’m sitting right next to you having a conversation. Funny I kept repeating this line last week while walking the camino. Hips, calves, thighs, feet sore and achy and being rained on each day for hours… but there was nothing to do but “just keep swimming” (sometimes I inserted “walking” for “swimming”). The kids would get mad, “mom! Please stop singing that!”

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