Welcome toMoney Diarieswhere we are tackling the ever-present taboo that is money. We’re asking real people how they spend their hard-earned money during a seven-day period — and we’re tracking every last dollar.
Today: a genetic counselor who has a joint income of $278,000 a year and spends some of her money this week on vegan macarons.
Occupation: Genetic Counselor Industry: Healthcare Age: 30 Location: New York My Salary: $108,000 full time + $5,000 part time Husband’s Salary: $165,000 (he also receives a yearly bonus usually $20,000-$50,000) Net Worth: $360,500 (Condo, which we own together, is worth about $1,200,000 minus mortgage of $745,000 (divided by 2); 401(k): $80,000; investment accounts: $12,000; HYSA: $41,000. My husband and I do not share finances. He probably has about $362,000 in addition (401(k): $280,000; investment accounts: $50,000; other cash on hand: $32,000.) Debt: $745,000 remaining mortgage balance My Paycheck Amount (biweekly): $2,500, additional $300-$500 a month for once a month per diem side job My Husband’s Paycheck (1x/month): $8,200 Pronouns: She/her
Monthly Expenses Mortgages: $1,574 ($4,574 total: $3,200 for mortgage and interest. My husband pays $3,000, I send him an additional $200, I pay $774 for condo HOA and $600. I also pay for all the grocery costs to offset the difference. We use the building gym every day to save on gym costs.) Electricity: $150 Internet: $35 AMC A-List: $24 Apple Storage: $3 Phone: $130 for four lines, my husband pays for this Metrocard: $127 (pre-tax) Healthcare, Vision, Dental: $180 (pre-tax) Streaming Subscriptions: $40 (we share some accounts with friends, my husband pays for his own subscriptions, health insurance, and transportation.) Savings: $500 into investments, trickled in every week, and $1,000 in a high-interest savings account. (I should probably switch this around but I don’t have the heart to see my investments shrink every week.)
Annual Expenses: Life Insurance: $16,800 (we split this cost) Amazon Prime: $139 (I pay) Homeowner’s Insurance/Umbrella Coverage: $1,600 (we split this cost)
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
We never really talked about college but I always assumed I would attend one. I did ask my parents a few years ago and they said they would have been happy if I didn’t attend college and pursued my hobbies instead. My brother did not attend a traditional university — he went to community college followed by trade school and my parents had absolutely no issues with it. I grew up in Canada and the cost of a good university is nowhere near as expensive as in the US. I did very well in high school and got into a prestigious university with scholarships. The total tuition was about $3,000 CAD per semester, some semesters were free when I made the Dean’s Honor List. My parents paid for my college and I also had two unlimited credit cards that got paid off every month like magic. I attended grad school in the US. I sold one of the cars my parents bought me as a present to cover my living expenses while I was in school. I also had about $10,000 of savings at the time from my job. My parents continued to pay my tuition in full. I know how extremely lucky I am. The total cost of grad school tuition for two years was about $63,000 USD and I spent about $35,000 living in the US for two years. When I graduated, I had $5,000 left to my name.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
Thinking back, I had no concept of the value of money at all. I was exceptionally out of touch with reality in my early college days. I would routinely spend thousands of dollars a month on luxury goods or eating out. My parents named me as an authorized user on their credit card (without giving me the card) when I was 16 and put my name down for some car loans and mortgage loans when I was 18. I didn’t realize how big of a difference this made until I was 23, trying to apply for my first solo credit card and realizing I had a credit score of 800 with a long credit history. My parents never had conversations with me about money. I had a boyfriend in my junior year of university that changed my life. He pointed out how extremely spoiled I was, with my brand-new luxury car that was gifted and unlimited monthly allowance. He challenged me to make something for myself and that’s when I started working as a medical office assistant and put away my parents’ credit cards. As soon as I realized how hard it was to make money, I dialed way way down on extravagant living and lost some “friends” in the process.
What was your first job and why did you get it?
I had a job at Orange Julius when I was 16 because all of my friends got jobs at the mall. I lasted about one week because it was “too much work.” My real first job was as a medical office assistant when I was 20. It started off as a bet that I wanted to win (said boyfriend bet I wouldn’t last three months) but throughout the process, I learned the value of hard work. It was the first time I proved to myself I can live within my means and work hard for the things I wanted. I saved $10,000 in my gap year before attending grad school while working to support myself.
Did you worry about money growing up?
Almost never. My dad owns his own company. My mom quit her full-time job to help my dad with his business in the beginning and then became a stay-at-home mom when I was eight. Things really got better when we moved to Canada. My dad bought a huge mansion and we could have anything we wanted. They never talked to me about money. My dad stayed behind in Asia to work on his business while my mom, brother, and I stayed in Canada. Thinking back, I don’t know if I would have preferred having the upper middle-class lifestyle over being able to spend time growing up with my dad. He’s my favorite person.
Do you worry about money now?
Absolutely. About two years into my job, I realized I will never have the lifestyle I grew up in. I know my husband and I do well by all standards, but we will always have to work and take home a paycheck for a living. We have to plan for vacations and large purchases. I am grateful that I had a headstart in life, without debt, but I always worry about how we are going to be able to provide for our children one day.
At what age did you become financially responsible for yourself and do you have a financial safety net?
24 years old. I stopped using my parents’ credit cards for unlimited spending at 20 but they still paid for my housing costs and tuition. In grad school, I only asked them to pay for tuition and I paid for my own housing and all other expenses. As soon as I graduated from grad school, I became financially responsible and independent. My dad is incredibly proud that I don’t take any money from him. He boasts this to all of his friends. I definitely know that I have a financial safety net whenever I need it, but I try my best not to rely on it. When we purchased our condo in 2020, my parents offered to buy it outright for us but we turned them down and got a mortgage instead.
Do you or have you ever received passive or inherited income? If yes, please explain.
I spent about $200,000 CAD of my parents’ money after high school. This includes university and grad school tuition plus the first four years of room and board and the frivolous spending in my early college days. I only know this because my parents, in an effort to be fair, recently gave my brother the difference between what I spent and what he spent as a lump sum gift. I gave my parents feedback on how I thought the way they gave me unlimited funds was unhealthy for a teenager. They took the feedback and gave my brother a set monthly allowance when he was in school.
Day One
7:30 a.m. — Monday, UGH. My alarm vibrates on my watch and I hit snooze four times before getting out of bed at 8. If you sleep with a partner that’s a light sleeper, I highly recommend the vibrating alarm. My husband, F., has already gone to the gym before I even open my eyes. D., a little poodle we are dogsitting, makes herself comfortable between my legs.
8 a.m. — I start getting ready for work. I am currently using the Clinique Moisture Surge Eye concentrate and Lancôme Genifique for skincare. My daily makeup consists of a light foundation under my eye as concealer, eyeliner, eyebrows, a light dusting of powder, and a lip tint.
9 a.m. — I am groomed, dressed, and ready to head to work! D. sits on the bed watching me get ready. F. takes her for a walk and I feed her breakfast. I spend way too much time saying goodbye to her on the bed before leaving for work.
10 a.m. — Get to work. As a healthcare provider, I work in person and have never had the option to telecommute. I really don’t mind because I do not have the discipline to work from home. I see a patient for a routine indication. After the patient leaves, I check my emails and find out there was a break-in in our condo building Sunday night. Scary. I talk to condo board members (I got myself elected as a board member when we moved into the building) about the next steps and type out some safety reminders to be posted in the building lobby.
1 p.m. — Lunchtime. The hospital offers free lunch every day. It’s nothing fancy — just a bottled drink, a variety of chips/cookies, and a sandwich. I grab one and resume talking with the board about the break-in. Luckily, through the help of a board member and the doorman, the perpetrator was apprehended by the police, and all stolen items were returned. So much drama! F. texts me that D. has officially left our house. I cry again on the inside. I’ll miss her.
5 p.m. — My afternoon patients don’t show up. This is not uncommon when the weather is nice. We are also experiencing a declining pregnancy/birth rate so my patient volume is suffering. I am a clinical prenatal genetic counselor and I find my job very awarding. I stay in my office until 5 because I am attending a sponsored dinner tonight. It’ll be easier to go from my office than from home. A company is hosting a nice sponsored dinner to discuss genetic testing and treatment advances in cerebral palsy.
9 p.m. — I have a wonderful time at dinner and actually learn quite a bit about the genetics of cerebral palsy. My friend offers me a ride to the subway and then I take the train home. F. meets me at the subway exit to walk home together. He’s been walking me home from the further subway stations since the increase in crime in NYC. We walk home and talk about our day. We see a new restaurant that just opened and really liked its menu. We make plans to come to eat here tomorrow.
11 p.m. — I get ready for bed. I play some games and watch YouTube on my phone before falling asleep at about midnight.
Daily Total: $0
Day Two
8 a.m. — Alarm. I don’t have patients today so I start my day slowly. F. is going into the office today so he brushes me a quick kiss before leaving for work. He probably woke up before 6 a.m. to go to the gym and run. He made me my daily morning tea and it’s sitting in a thermos on the kitchen counter.
10 a.m. — I get to work. I have a meeting this morning with the gene therapy company that sponsored the lecture and dinner last night. I thank them again for arranging the event and we brainstorm some ways to reach a broader audience. I am super stoked the field of genetics has really advanced since the proof of concept in the mRNA vaccine. I believe within the next decade we will be discussing genetic disorders in a whole new light as all these different therapies become available.
12 p.m. — Lunchtime. Same boring stuff but it’s free. I learn one of my friends, B., just found out a family member had passed away. It’s all very sad. I try to console her but I don’t think I’m doing a good job.
2 p.m. — I see I was charged for a Home Chef meal delivery. I get these occasionally. $60
4 p.m. — Head home from work. It was a super uneventful day since I didn’t have patients. I’m also not behind on charts so I basically just waited in my office, read some articles, and did some paperwork. I have a new summer student starting next week so I send her some readings and assignments. I am also supervising student research and I make plans to meet the students tomorrow to get their hospital IDs.
5 p.m. — It’s Tuesday, which means I work out with my friend, K. Today we are working out in my building gym but we meet up early since we’ve added the Couch to 5K training to the routine. We are on week four and it’s getting tough! We run down to the park and back to my building, do another 20-minute upper body workout in the gym, and then I walk K. halfway to her house and buy us some bubble tea. We both get lychee slushies with cheese foam and crystal pearls and I get F. a grape slushie with cheese foam (his favorite drink from this place). $18.26
6:30 p.m. — Our agent tells us there’s an open house today to show our condo. We are tempted to move into a brand new luxury building in the same area since our condo has appreciated in the two years we’ve had it. F. and I recently came to the conclusion we don’t want to be bothered with the move. It’s hard to justify a move from a two-bed/two-bath to another two-bed/two-bath, wipe our savings out, and pay $1,000 more a month just for the “luxury” amenities. We walk to the new restaurant that just opened in the area. It’s a soft opening so they don’t have their full menu yet but the food blows us away. We eat and have some good conversations about our decision not to move and we talk about whether we want to start trying for a baby. The check comes and I pay. $50.21
8 p.m. — We get home from dinner and I shower and get ready for bed.
10:30 p.m. — We head to bed. F. falls asleep almost right away. I stay up to watch some YouTube videos and fall asleep by midnight.
Daily Total: $128.47
Day Three
8 a.m. — Alarm. Yup, another workday. I get ready with my usual. F. had already left for work and left my tea on the counter. He is the sweetest man for making me tea every morning. His company now wants them to return to the office 10 days a month. F. is trying to get all of his days in early in the month so he can work from home without guilt. It’s a busy week for him as they finalize everyone’s appraisals and decide on raises and bonuses. I keep my fingers and toes crossed for some good news at the end of the month.
10 a.m. — My two summer students show up at my office. It’s my first time meeting them in person so we chat for a little and I walk them over to the planning office to get their student IDs. We make plans for their next steps and I send them on their way. I am excited about the project they are about to embark on.
12 p.m. — Today we have a sponsored lunch from one of the genetic testing companies. They always bring the yummiest food. I spend some time talking to the company about testing delays and creating new accounts for different departments.
4 p.m. — I finish seeing my patients for the afternoon. Luckily everything is pretty routine this week. I had a very bad week two weeks ago when we found a cluster of sonogram anomalies in a span of three days. It’s really hard to tell expectant mothers bad news but I also rather it come from me than some of the other providers. I call patients about their results and finish for the day.
5 p.m. — I have a book club meeting tonight but almost everyone cancels. This is the first time B. will be coming out for an outing since finding out she had COVID and since her family member passed. I go to a vegan bakery to pick up a tart and a box of macarons. I also go to the drugstore for a card. $39
6 p.m. — Book club meeting is at an Ethiopian restaurant that I picked. Out of six members of the book club, only three attend, but we have a very good time talking about the book. While we eat, we choose our next book — Weapons of Math Destruction. I am excited to get started listening to this book. I realized I’m slightly dyslexic when it comes to reading a book. Since switching to audiobooks, my life has CHANGED. We share a vegetarian dinner platter and an appetizer. $30
9 p.m. — I get home. F. is already home and cleaned the house. I honestly don’t know what I would do without this man. His company is sending him to an express MBA program over the summer and he has been putting in countless hours doing prep work. F. works for a very large global corporation and works long hours. Luckily, we both enjoy our jobs and have a passion for our fields. We talk about our days, I wash my face, and then we unwind in bed.
10:30 p.m. — Lights out. I watch YouTube videos in bed and fall asleep before midnight.
Daily Total: $69
Day Four
7:30 a.m. — I know, I know, it’s time to wake up. F. is staying home today to work from home. After his run and workout, he showers and stays with me as I get ready. We talk about the day ahead and he makes me my daily tea. We also talk about having kids and remain undecided if this is the right time.
12 p.m. — Boring lunchtime. I pick up some free regular lunch and my work friend.
4 p.m. — I leave work. My office is about an hour commute from my house. It’s far but I mostly enjoy the subway commute as I can close my eyes and listen to audiobooks or podcasts. I’m loving the Money 2.0 mini series from Hidden Brain. It’s fantastic. It’s Thursday which means it’s a workout day. I get home first to get changed. F. walks me to K.’s house because he has a dentist appointment nearby.
5:30 p.m. — I arrive at her house and the workout starts. It’s the toughest run yet and I am so proud of myself for finishing. K. talks to me about an app called Libby where you can rent audiobooks from the library. Mind blown. I will have to investigate this later. Audible has become an expensive hobby. I paid for an annual membership with 12 credits three months ago and I’ve only got five credits left! F. and I have a movie reservation tonight to see Dr. Strange so I don’t linger and head home to shower.
8 p.m. — I finish showering and getting ready for our movie date night. The theatre is 15 minutes door to door from our place and I love the convenience. We also watch a movie at AMC whenever we don’t know what to do since we pay for the monthly A-List membership. It allows us to book tickets right on the app with no restrictions. We make an effort to watch at least two movies a month to “break even” and I’m happy to say we have done exceptionally well with this membership.
10:30 p.m. — Dr. Strange is fantastic! We both love the movie. We head home and wind down for bedtime.
11:30 p.m. — Lights out and I’m cozy.
Daily Total: $0
Day Five
8 a.m. — It’s FRIDAY! I have a light schedule today so I slowly get ready for work. F. has an early work call and I can hear him in his office working away. I peek at the kitchen counter and he remembers to make me tea before his day began! What a sweetie.
9 a.m. — I am working through The Code Breaker by Walter Isaacson. I didn’t realize the race to find a tool for gene editing is such a page-turner! It’s been a very interesting listen thus far.
12 p.m. — Boring lunchtime. I pick up some oven Lay’s potato chips and a tuna fish sandwich. Not my favorite sandwich but it’s free. I am very grateful work has been feeding us lunch since 2019. It has saved me so much time and money.
3 p.m. — I finish all my patients for the day and decide to leave early. I’m happy for a slow week at work because a slow week means healthy babies!
5 p.m. — I get home early and decide to go on a solo run to build up my endurance. I book a gym slot and do a 30-minute run on the treadmill. Our building started a reservation system during COVID where a unit is able to reserve one-hour time slots every day and not share the gym with anyone else. I love this policy and as a board member, voted for it to stay in place.
6:30 p.m. — Finished showering and getting ready. We are going to a friend’s house for game night and I am SUPER late! F. is already there since I told him to meet me at their house. I run out of the house, grab some bubble tea for everyone, and take the train to my friend’s house. We live in the same neighborhood and initially planned on walking but I’m already super late as it is. $35
7 p.m. — I’m the last to arrive. It’s games night with three couples. We play Coup and Ticket To Ride while watching a movie. I bring some edibles with me and we all take some. We order pizza and it’s the perfect night. Lots of fun conversations, cuddles from their dog, and some philosophical discussions. We all leave by 11.
11 p.m. — F. and I decide to walk home since we are still feeling pretty high. We continue to talk about having kids. It is my belief that if we keep talking about it maybe we won’t have them. There just never seems to be the “perfect time” for kids and I love our life as is.
11:30 p.m. — We get home and start watching The Edge Of War on Netflix. It’s slow and we get tired so we don’t finish. We unwind and head to bed around 12:30. I fall asleep super fast.
Daily Total: $35
Day Six
10 a.m. — YUCKKKK it’s raining cats and dogs outside and we had plans to do a pizza food crawl with some friends. We decide we’ll go anyways.
1 p.m. — We meet up at a pizza place called L’Industrie. They have awesome burrata pizza. Our friend, E., orders one slice for everyone and we get lucky with seats in the covered area. We eat the super yummy pizza and talk about the horrible weather. We take some edibles and then head to the next place.
2 p.m. — We go to another place right next door for more pizza and drinks. Two more friends join us. Their pizza dough is made from sourdough and it’s delicious.
4:30 p.m. — We are having such a good time but I’m starting to feel super sleepy. We leave the group and go home for some lazy couch time. Our portion of the bill from the two places comes to about $60 and F. pays.
5 p.m. — Home and on the couch.
9 p.m. — Decided to stop fighting the sleepiness and head to bed. I pass out cold.
1 a.m. — I wake up in the middle of the night in agonizing pain and realized I got my period. I change my underwear into Thinx period underwear and fall back asleep.
3 a.m. — Ouch. I’m in so much pain and it’s unusual for me. I take some Ibuprofen and go to bed again.
Daily Total: $0
Day Seven
9 a.m. — I wake up and all of my muscles ache. This is a very bad period month and I text K. to cancel our workout plans. I feel very bad since this is the first time I’ve canceled in six months but my body cannot do anything today. I feel like I am a teenager again with the amount of pain I’m in. I take two Ibuprofen and try to wait out the pain.
11 a.m. — I get out of bed and try to be productive. My body hates me and deep down, I wonder if my body is punishing me for not wanting to have kids yet. F. is being super understanding and makes me tea. He also plugs in my heating pad and makes me a cozy corner on the couch. I get Libby to work and download another one of the Bridgerton series. This one is about Gregory and it’s super enjoyable. I listen and doze off.
7 p.m. —F. cooks me dinner and I never leave my comfy spot on the couch. I head to bed at about 9 and hope my body stops punishing me tomorrow.
Daily Total: $0
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Get all the buzz about beeswax! Nature provides a plethora of healthful ingredients that work wonders for natural hair. One of those ingredients is beeswax which comes courtesy of our busy little friends, the bees, who also give us wonderfully humectant honey – yay bees!
Keep reading to discover some of the beautiful beeswax benefits you get from hairstyling products made with this gift from nature
Beeswax is a natural wax produced by the abdominal glands of worker honey bees. It makes up the structure of honeycombs and is used by the worker bees to build the familiar hexagonal cells of the honeycomb.
Beeswax is made up mostly of fatty acid and fatty alcohol compounds. It is edible – a fact that humans have taken advantage of since prehistoric times. It has also historically been used as a natural lubricant, in candle making, as a waterproofing agent, and as wood and leather polish.
Of course, beeswax also gets added to skincare and hairstyling products, thanks to its many wonderful benefits.
Thanks to its waxy nature and its composition of fatty acids and fatty alcohols, beeswax offers plenty of benefits that natural hair can take advantage of. Furthermore, beeswax also has antibacterial, antioxidant, and non-comedogenic properties so your natural haircare routine gets an extra boost from hairstyling products that include it in their formulas.
Check out these six ways in which using beeswax for natural hair is a major plus!
1. Beeswax smooths hair and helps to prevent frizz.
Beeswax’s texture makes it very good at smoothing your hair as it gets your strands to lay straighter and tames frizz. It is particularly beneficial when applied to the ends of your hair.
2. Beeswax helps with creating dreads and other long-wearing styles.
Dreads, twists, braids, locs, and other long-wearing styles are much easier to create and maintain thanks to the supreme hold you get from beeswax and the moisture it locks into your strands.
3. Beeswax promotes hair growth.
The protective and nourishing properties of beeswax are thought to help promote healthy growth. Added to that, is its ability to help you retain length (see the next two points).
4. Beeswax seals strands and is effective at locking in moisture.
Your hair needs to retain moisture and maintain its ideal protein-moisture balance. This ensures your strands are not weak and brittle but instead are strong, flexible, and resistant to manipulation.
5. Beeswax helps to prevent breakage from split ends.
Beeswax smooths and seals the ends of your hair, keeping split ends from splitting further up the strand. Remember, though, that the only way to truly rid your hair of split ends is by trimming your hair regularly. Read Transitioning Hair: Its Stages and 12 Helpful Natural Hair Journey Tips for more on this.
6. Beeswax treats the symptoms of certain scalp conditions.
Beeswax has been shown to help alleviate the symptoms of certain scalp conditions, including psoriasis, eczema, and dandruff. Be sure to read the upcoming tips for using beeswax first if you are considering using it for this reason.
Good-to-know tips for using beeswax for natural hair
Whether you are new to the world of beeswax hairstyling products or you’ve been using them for some time now, these tips on how to use beeswax will surely come in very handy.
Start small with the least amount of beeswax you think you’ll need then add more if needed. This is one way to avoid a heavy buildup of beeswax on your strands.
Avoid using beeswax every day as it really does build up over time. This could leave your hair feeling and looking heavy and limp.
Protect your hair at night this will help to preserve your style so you won’t feel the need to apply more beeswax in the morning.
Rub the wax in your hands before applying to warm it up, thin it out, and spread it evenly. That way, you’ll get the best coverage from a small amount of beeswax when applied to your hair.
Know how to remove it so you can remove it as fully as possible without damaging your strands. The best steps are: apply warm olive oil; work it in and let it soak for a few minutes; wash with dish soap (yes, really, it cuts the grease); then use your regular moisturizing shampoo and conditioner.
Consider using a clarifying shampoo regularly, depending on how often you use beeswax and how much of it you use. Clarifying shampoos are amazing for removing product buildup from your hair and scalp.
Use with caution if you have fine hair as beeswax will tend to weigh down your strands and make styling your hair difficult.
Also, use with caution if you have greasy or oily hair as it may make your hair look and feel greasier and oiler than it already is.
Avoid using beeswax on your scalp because it’s simply not meant to be used there. Although beeswax is said to be non-comedogenic, a buildup of it and other products on your scalp might lead to clogged pores.
Use as a finishing agent to give your curls and coils definition and shine while calming frizziness.
Avoid beeswax if you are allergic to other bee products, bee pollen, or bee venom.
Bees are among the most important pollinators of food crops on the planet. Without them, many plant species would no longer survive, causing a domino effect in the food chain with very adverse consequences for many animals – including us!
The arrival of summer always brings the sudden urge to throw our laptops and run outside, spending as much of our free time in the sun as possible. Even the indoorsiest among us would be so inclined to venture outdoors, to be up for anything that doesn’t involve being confined to the walls of their homes.
But when it comes to any type of outdoor activity, choosing the right shoe is crucial — and in most situations, a towering platform or heeled mule just won’t do. Enter the “dad sandal,” a reliable standby for all things outdoorsy that’s not only practical, but undeniably comfortable. They boast all the appeal of the chunky, “ugly-cute” styles that have had a stronghold on footwear trends over the last few years, all while offering the support you (and your arches) need.
We admit: Styling "dad sandals" — with their busy prints and in-your-face colors and countless straps — can seem intimidating at first. But this season’s iterations lean more chic than “dad." See: Chaco's summer lineup. That's why we plucked five styles and pieced together cute-but-practical outfits for whatever your summer plans may be, whether that involves some light walking or, well, climbing up the side of a mountain.
Consider this your guide on how to seamlessly integrate dad sandals into all of your outdoorsy summer ‘fits.
Hitting the trails
A dad sandal is a less clunky (and sweaty) alternative to a classic hiking boot, making them a solid choice for summer hikes. These boast adjustable straps to ensure the most secure fit, while the supportive sole will keep your feet in tip-top condition no matter how many miles you trek. And while this style is peak dad, the print makes for a trendy addition to your hiking ensemble: Pair with a sleek workout set, a bold fannypack to hold your essentials, and don’t forget to bring a packable, waterproof jacket — you never know when you might run into sudden rainy weather.
When checking a new city off of your bucket list, you’re bound to do a serious amount of walking. Paired with sweltering summer temps, things are likely to get sweaty, too — may we suggest a breezy linen set that’ll keep you nice and cool? Footwear-wise, we recommend having some fun in the print department, especially if the rest of your ‘fit is neutral. Equipped with an extra-cushy sole, these neon sandals will keep sore feet at bay as you exceed your usual step count. Throw in some chic accessories, and you have yourself a look that’ll seamlessly take you from sightseeing to dinner.
Crap Eyewear The Full Bloom, $, available at Crap Eyewear
Missoma Squiggle Wavy Large Hoop Earrings, $, available at Missoma
Vacationing by the beach
If your summer plans entail vacationing in a far-off, tropical destination, then chances are, you’ll be spending most of your time at the beach (or poolside…or both). That said, a lightweight slide you can easily kick off is a key item to add to your packing list. A neutral-hued style will match anything and everything you squeeze into your suitcase, including a printed bikini or a vibrant coverup. This pair features a soft sole and arch support, perfect for a shoreside stroll after a quick dip.
Chaco Women's Chillos Slide, $, available at Chaco
Faithfull the Brand Marzia Printed Recycled Triangle Bikini, $, available at Net-A-Porter
Camping plans? Whether you’re roughing it out in the woods or opting for a cushier glamping experience, a chunky all-terrain sandal with excellent grip is imperative for exploring your surroundings. Pair with comfy clothing made for moving, a backpack that’ll hold all your gear, and a hat for extra sun protection. Don’t forget to pack something warm and cozy for nighttime — it’s bound to get chilly, even around the campfire. And if you really want to lean into the dad style trend, try throwing some soft, fuzzy socks into the mix.
Chaco Women's Lowdown Sandal, $, available at Chaco
Everlane The Seamless Bike Short, $, available at Everlane
Everlane The Track Jogger, $, available at Everlane
& Other Stories Boxy Pile Jacket, $, available at & Other Stories
The North Face Borealis Backpack, $, available at The North Face
Urban Outfitters Safari Pocket Bucket Hat, $, available at Urban Outfitters
Picnicking in the park
Whether you’re posting up in an urban oasis or somewhere with rougher ground (a national park, perhaps?) picnic dressing should prioritize comfort as much as style, especially when it comes to your shoes. A dad sandal with a lugged outsole will prevent you from slipping should you encounter some mud, while a cushioned sole will keep your feet happy as you hunt for the ideal spot to set up shop. Pair yours with a breezy sundress, a tote (for carrying snacks, of course), and some summery accessories, and you’ll have yourself the perfect picnic ensemble — one that’s cute and practical.
A casual night out never looked so cute. Maude Apatow sports a stylish and sweet look while leaving her hotel with family in Paris. The boots and shorts combo are personally making my heart leap as I imagine switching out my cowboy boots for an edgier pair. Let’s recreate this look for less.
The starlet paired some classic light wash denim shorts with a high neck tank. I’ll take any excuse to look for denim from American Eagle. The quality and longevity speak volumes, and this light wash pair—available through size 24—will be a staple you reach for again and again.
Paired with a basic cropped tank from H&M, this has all the makings of an on-trend night out look.
Worn unbuttoned, a button-down blouse can serve as a lightweight outerwear option for summer, in addition to elevating a look from day to night. I’m loving this option from Amazon to use and reuse as outerwear completing this look, or workwear for the day after your night out.
Cinching the look completely are some chunky faux leather boots from Boohoo that bring some of the classic Y2K fashion into your wardrobe.
Maude’s sunglasses are Chanel, but you can find a similar pair here at Target, also available in a stunning amber color. Keep it casual with some small hoops and you will rock this look!
It’s time for another annual cosmic ritual to take place in our skies: Neptune retrograde. Starting on June 28 and lasting until December 3, the Planet of Illusion, Dreams, and Fantasies will appear to spin backwards, sending our perception of our lives and the world around us into a bit of a topsy-turvy ride.
Narayana Montúfar, senior astrologer for Astrology.com and author of Moon Signs: Unlock Your Inner Luminary Power, says that Neptune is one of the trickiest planets to master and understand. “At its best, it is a source of spiritual inspiration, compassion, and universal oneness — at its worst, it surrounds us in a cloud of fog and confusion, making it hard for us to see the correct way to move forward,” she says. “When Neptune is direct and activating a sensitive planet or area of our charts, it puts a veil over our eyes.” If we’re not careful, Montúfar says that the planet can surround us in a world of fantasy, “creating an aura that seems glamorous but that in reality leads to self-deception.”
But we’re not talking about Neptune direct here — we’re talking about Neptune retrograde, the transit that’s about to hit us for the next five-ish months. Once it enters its backwards dance, the tides will turn, and that foggy veil will be lifted. Montúfar warns that this lucid of a worldview can be a bit of a shock at first. “This is when unwanted realities might hit us, especially if we haven’t been channeling the positive and spiritual vibration of Neptune,” she says. It’s not that brutal out here, though — Montúfar says that “Neptune retrograde can help us find a deeper meaning for our lives and how we relate to the overall collective vibration.”
Now, we can see things for what they truly are — good or bad, love or lust, unjust or fair. Again, this can be a shock, but it makes us all the more wiser, more powerful, and ready to take meaningful action. “We may notice where we have been lying to ourselves or looking at a situation with rose-colored glasses,” says Madi Murphy, co-founder of the CosmicRx. “This will allow us to manifest hopes, dreams and desires that align with our new crystal clear reality.”
Murphy advises us to pay extra attention to where we feel like we can’t ignore certain unhealthy situations, whether it’s at work, in our relationships, or with our finances. “Notice where you are seeing the ‘true’ side of someone or something emerge,” she says. “Don’t let yourself fall in love with someone’s (or something’s) potential: see situations for what they are and be honest with yourself and others.” To accomplish this, Murphy says we may need to redraw some boundaries with people or even redirect our dreams, ideas, and visions to something new.
“To make the most of this time, have compassion for your past self and for others as you actively work to see the whole picture and learn accordingly,” Murphy says. Practicing healthy boundaries and providing yourself with ample self-care are key now, and she advises us to spend time in nature, journal, and work with crystals. “This is a very beneficial time to start a dedicated, daily spiritual practice,” she says. “This can be a very mystical time that helps you make some very real magic in your life.”
Be sure to mark your calendars for July 14, when Venus and Neptune retrograde square off, which Lisa Stardust, astrologer, and author of The Love Deck. says will make us unsure of how to proceed in matters of love and money. “Making financial investments will be unwise at that time,” she says. Maybe skip the fancy, extravagant date and treat yourself to a chill, budget-friendly night in by yourself instead — love and spending can always wait (even if it’s just for a day!).
Iva Naskova, astrologer at the Nebula app, also adds that this particular transit may cause “some relationships [to] go through a rough patch, but it is because this transit helps you see things from a real perspective and can be helpful to see that the person you are with is not the one right for you.” It is, once again, hot girl summer after all, so breakups are bound to happen — and this time, you’ll be able to have a clear head about it.
Seeing things for what they truly are can help us move forward from the toxic things in life: relationships, situationships, jobs, friendships, you name it. And while retrogrades often get a bad rap, Neptune’s is here to help us rather than harm us. You just have to make sure you’re ready for a reality check.
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