Now What?

Archives
Subscribe
December 16, 2025

Ask Me Anything!

Money, reading, writing, long-distance hiking, relationships, preparedness, grief, aging, offline life — anything!

My dear reader.

Whenever there are five Tuesdays (aka five newsletter publication days for me) in one month, I’ve decided to use the bonus extra week to do something simple, fun, and different from our regular monthly flow of three essays plus the What’s Working column.

This time around that’s an AMA, free for all subscribers, so in the comments you can ask me anything (serious or silly or anywhere in between!) and I’ll do my best to answer every question in the week ahead.

All topics are welcome: money, reading, writing, long-distance hiking, relationships, preparedness, goals, enoughness, grief, aging, offline life — anything!

Ask away :)

Nic

Don't miss what's next. Subscribe to Now What?:
Join the discussion:
  1. J
    Jen
    December 16, 2025, evening

    I love this! I will echo others asking for your favorite fiction books as of late.

    I loved hearing updates about the old, family home that you were renovating and settling in to. I would love to hear about how living in that space is going - how are you making it feel like home and do you foresee it being your homebase for a long time?

    Reply Report
    N
    Nic Antoinette Author
    December 16, 2025, evening

    Books! I don't track my reading anywhere, so these favorites are likely influenced by recency bias, but the ones that first come to mind are: The Everlasting (by Alix E Harrow) and A Witch's Guide to Magical Innkeeping (by Sangu Mandanna).

    House! I'll definitely be writing more about this in the coming months, since so much of what has shifted deep within me in the past year+ has to do with home/local living, and the ethos of trying to go an inch wide and a mile deep instead of spreading myself out so much (geographically and in other ways) like I did before. The house isn't actually mine (it is owned by my partner's father) and never will be (my partner and I don't share money/asset ownership and don't plan to), but our hope and vision is for this to be our lifelong home. This year's projects have included: building a crushed rock patio with outdoor seating, repainting the barn, making some structural changes/fixes to the barn and chicken coop, winterizing the house in as many ways as possible to cut down on heat loss (and our wild gas bill), planting fruit trees (apples & peaches), expanding our gardening space (adding raised beds and fencing/protecting the in-ground garden area).

    While I never would have picked to live in this town (or in the suburbs of Boston more generally) on my own, I love this house so much. I feel like it has a soul (does this sound weird??) and that I'm just so lucky to get to be one of its current stewards. Thanks for asking!

    Reply Report Delete
    S
    Sarah
    December 17, 2025, morning

    Combining these topics, have you read North Woods by Daniel Mason? It follows a New England house over several centuries and all of its inhabitants.

    Reply Report
    N
    Nic Antoinette Author
    December 17, 2025, afternoon

    I have not! My partner read it though, and I think it's still on our bookshelf. Thanks for the rec!

    Reply Report Delete
  2. F
    Flo
    December 22, 2025, evening

    Attempting an FKT is something you’ve thought about for a long time. How does thinking back on your AZT FKT attempt feel? Is it a dream that feels complete for now?

    Reply Report
    N
    Nic Antoinette Author
    December 23, 2025, evening

    Somehow I secretly knew you'd be the one to ask me about this, and I love that. Outdoorsy folks, unite! :)

    To be honest it sort of feels like the AZT attempt didn't happen? Or like, my year feels so starkly divided into before dead dad and after dead dad that anything from early spring feels lifetimes away and sort of ethereal/unreal.

    When I do think about it though it feels fine, neutral, filled with lessons learned, and I'm definitely proud of myself for trying. There's a lot I'd do differently though, and no it doesn't at all feel complete for me. I am not exaggerating when I tell you that I still think about FKT-style hiking literally every single day, so...

    Reply Report Delete
    F
    Flo
    December 24, 2025, afternoon

    That prediction made me laugh. I am still and forever obsessed with hiking. 😂 Interesting to know you’re still thinking about FKTs.

    Your dad illness and death was such a profound change, such a rupture in your life. It makes sense that Before feels so distant. ❤️ I hope you’re finding the support you need going through that grief and change process.

    Reply Report
  3. S
    Sam
    December 16, 2025, evening

    Thank you so much for this! If you are willing to share I'd love to know:

    1. Who the values aligned financial planner is that I think you mentioned a while back.
    2. Again, if you are willing to share, any advice/experience around your moms move? Yesterday my mom was diagnosed with mild dementia, I'm just thinking about next steps.
    Reply Report
    N
    Nic Antoinette Author
    December 16, 2025, evening
    1. Of course, Sam, happy to share! I'm working with Revalue: https://www.revalueinvesting.com/

    2. I am sending you just the biggest hug as you begin to navigate this, and if you have any specific questions along the way please feel free to ask. More generally, it helped that my mom wasn't at all resistant to moving. Between her own mild dementia and very advanced end-stage COPD she cannot live alone, and once my dad died she was fully ready and accepting of the need to go to assisted living. I toured a bunch of places, both in FL and near me in MA, and the place I ultimately chose is about 20 minutes from my home and has both regular assisted living (which she's in now) as well as a memory care unit (in case she needs to shift to that later on). Since she wasn't able to tour places with me, it helped to ask her what she wants from her new home and really listen, and then do my best to find the right match. It also helped that we had already done her estate planning type documents well before the move, and that I am her POA, health care proxy, a cosigner on her bank account, etc and can therefore make decisions and commitments on her behalf.

    Reply Report Delete
    S
    Sam
    December 18, 2025, afternoon

    Thank you that helps! I love the cosigner too, that's one I haven't done but I could see it being easier!

    Reply Report
  4. R
    Rachel
    December 17, 2025, morning

    If you’re willing to share, I’m wondering how you and gent navigate your relationship as you both grow and change? Specifically how you navigated exploring your queerness and gender identity while also in a long term partnership. Im also curious if you and Gent still do any long distance hiking together or have any other adventures planned together for the future? Thanks for doing this AMA, I am thoroughly enjoying reading through all the questions and your responses!

    Reply Report
    N
    Nic Antoinette Author
    December 22, 2025, afternoon

    So glad you're enjoying the AMA, Rachel! Thanks for the thoughtful questions :)

    On navigating growth and change within our partnership, I feel like the honest answer is rather unsexy: communication. We talk a lot about what's shifting and changing for us in real time, how we can support each other in those shifts, and what that means/looks like in the partnership. In regard to the specific things you mentioned (queerness & gender identity), I asked Gent for his take on that the other day and he said: "I always want you to be your most full self! I don't want to be in partnership with only a static, singular version of who you are, I'm here for all of it." <3

    The hiking thing has definitely been hard for us — he injured his spine in September 2023 and has been in varying degrees of pain on and off ever since, which makes backpacking tough and risky (the possibility of having a bad flare up while out in a remote area is scary!) After now exhausting all the non-invasive treatment options and not really seeing results, he's probably going to talk to a surgeon soon about the possibility of a discectomy, which could potentially eliminate his pain.

    Bigger picture than that, though, is the lifestyle shifts we've made in the past few years: adopting two young dogs, getting a flock of chickens, starting a vegetable garden – all things that require one or both of us being home more often than long-distance hiking requires (in addition to the way we're prioritizing reductions in spending and air travel). This past summer we had hoped to do a lot more mini adventures in the Northeast, but my dad's death and Gent's hospitalization and recovery for lyme and meningitis derailed all of that. So I'm hopeful that 2026 can be a year of balancing our growing farmstead plans with lots of fun outdoor time!

    Reply Report Delete
  5. J
    Jacq
    December 17, 2025, afternoon

    I'm curious about anything you're willing to share about how you navigate finances in a partnership. I am also legally married to my partner and we keep mostly separate finances, only sharing things like housing and grocery costs, managing our own debt, savings, and personal spending, etc. Sounded simple at the start, but we're finding there's a lot of grey area in there. How do you, as someone who is so intentional with their money choices, balance that with another whole human?

    Reply Report
    N
    Nic Antoinette Author
    December 17, 2025, evening

    It's an ongoing conversation between us for sure! Our current setup (which we've had since we moved in together and which works very well for us) is to keep totally separate bank accounts, savings, and credit cards (and to pay for our individual spending on our own), but then to also have a joint credit card for shared expenses which I pay off each month and then Venmo request his half from him.

    Our core shared expenses are pretty clear right now: groceries, vet care and food for the dogs, household things (toilet paper, dish soap, lightbulbs, etc) and any sort of date we go on together (a coffee shop outing for example, since we hardly ever eat meals out or do paid entertainment - we are homebodies at heart). Those are the agreed upon categories that we both always put on the joint card without any kind of conversation.

    Then there are the shared-use things that I pay for 100%, which right now is our utilities. My partner currently isn't working a wage-earning job and so I pay for our water, gas, trash, internet, and Netflix (no electric bill because we have solar), whereas he does a bigger share of the household tasks (like daily dog walks, tending the chickens, and taking the lead on all the various projects involved in having such an old house). This feels equitable for us, and we check in about it every few months to make sure that's still the case.

    Then there are the shared-use things that he pays for 100%, which is anything big or structural for the house itself. This is because his dad owns the house and it will always stay in his family, so while I don't pay rent to live here (a huge savings!) I also won't ever have equity in the house, so it doesn't feel correct to either of us for me to pay for things like roofing materials or any other project that he and his dad want to do on the property.

    For everything else we just have a quick convo about it if necessary, and luckily we have thus far been totally aligned on what feels fair.

    (Not sure how useful any of this is since every person/couple is so unique, but if you have any specific questions feel free to ask!)

    Reply Report Delete
  6. A
    Amy
    December 16, 2025, evening

    I’m intrigued by this vacuuming every day you mentioned, and would love to know specifics. Do you vacuum your whole place each day, or rotate between spots? What sort of vacuum do you use? Any tips for implementing such a practice? I love this concept, in theory, to keep on top of the neverending supply of fur tumbleweeds blowing around my house from my floofy cat and two dogs (without it being a task my ADHD brain procrastinates indefinitely bc in my mind I’ve made “vacuum day” a BIG DEAL), but I have serious back issues and my vacuum is heavy…

    Love your newsletter, and really loving this switch to Buttondown. :)

    Reply Report
    N
    Nic Antoinette Author
    December 16, 2025, evening

    I'm so glad you're enjoying both the newsletter and Buttondown, Amy!

    Vacuuming haha yes, let's gooooo. So first I'll say that this is a task I enjoy, and that I never feel like I need to force myself to do it, which helps. I also much prefer to do it every day because the less often I do it the more of a "thing" it feels like, because the combo of dog hair + wood stove + outdoor lifestyle makes it dirty really quickly. (No shade to anyone on the cleanliness level of their own living space btw, I just personally have always been someone who does better, mentally, in a tidy space – especially working from home.)

    So no, I don't do the whole house every day, but I do vacuum the highest-use downstairs rooms daily (kitchen, living room, bathroom, mudroom). It's super quick, maybe takes me 5 minutes total, and I usually do it right after dinner. The flow is: clean up from dinner, do the quick vacuum, and then settle in to read or watch something (my most common post-dinner activities). I vacuum the upstairs (my bedroom, office, and small bathroom) about once a week, and my partner does his own bedroom.

    We have some kind of cordless vacuum (totally blanking on the brand) and that also helps me a lot, since it stays on the charger all the time and is always ready to use, and I don't have to deal with cords or anything heavy.

    This is the most I have ever written about my vacuuming habits lol. Hope it's helpful!

    Reply Report Delete
  7. E
    Emma
    December 17, 2025, evening

    Yay, AMAs are so fun! I so enjoyed your monthly conversations with Julia and would love to hear how she’s doing, if she would be comfortable with that:)

    Reply Report
  8. G
    Ginn Reese
    December 17, 2025, evening

    Books and baking! Those are my winter goals this year. My question is how is the short hair working for you in the cold weather? I didn’t cut off nearly as much as you did recently but I’m finding my neck is always cold! So I guess I should add to my winter goals to wear hoodies almost exclusively 🥶

    Reply Report
    N
    Nic Antoinette Author
    December 17, 2025, evening

    Ha well I am someone who pretty much always wears hoodies this time of year anyway so it's actually better with the buzzed hair because they fit so well without any hair in the way! Books + baking + hoodies is a dream winter goal list to me :)

    Reply Report Delete
  9. J
    Janine
    December 16, 2025, afternoon

    Do you have any ridiculous pet-related silliness that you indulge in with your partner? For reasons I cannot understand myself, I regularly try to ‘sell’ our eldest cat to my husband as though I were an auctioneer. “I’ll let you have her for £50…” etc. I have absolutely no idea why I do this, and my husband is none the wiser.

    Reply Report
    N
    Nic Antoinette Author
    December 16, 2025, afternoon

    Janine omg hahaha I am truly cackling out loud at this right now. I keep re-reading it and laughing all over again, so thank you for this day-brightening question and share!

    One of ours, for Mona, is that she has been reincarnated many times and is aghast that this time it is as a dog. This makes her internal monologue one that is said all through gritted teeth, and we often narrate what must be going on in her mind as she lives out this new existence after having been a Buddhist monk, a master martial arts fighter, etc. 😂

    Reply Report Delete
    J
    Janine
    December 18, 2025, morning

    OMG I am living for this - superb!!

    Reply Report
  10. S
    Sneha
    December 16, 2025, evening

    First up, I love reading your newsletter! :) As the weather gets colder, what are some meaningful ways you tend to yourself? (Looking for inspiration here to romanticise/love/deal my way through winter :D) TY!

    Reply Report
    N
    Nic Antoinette Author
    December 16, 2025, evening

    Gosh this is so relatable. One main thing, and to be honest this is the first time I feel like I am actually doing this, is to not set myself up to fight the season. For me this primarily comes down to hike related stuff, where last winter I was trying to train a ton for a spring hike and doing so made me super resentful of winter — as if the season was icy and snowy and freezing at me lol. I hated that feeling! So this year I am pivoting away from that and instead trying to stay in the flow of the season by asking myself: What is winter a good time for?

    For me it's a wonderful time to do two of my favorite things: read and bake. I love to be cozy, tucked up in a blanket near the wood stove with a cup of tea, reading for hours. I'm not as inclined to do that in the summer (when I'd rather be out playing in the forest and mountains), so this is the season for that (especially since it's dark by like 4:30pm here right now). Baking is hard in the hot months too, because I live in a 175-year-old house with no central AC that gets hottttt, and turning on the oven is just out of the question. Similarly, my favorite types of things to cook are autumn and winter meals: soups, curries, baked pasta, etc. so I lean into doing more of the cooking for me and my partner than I do in the summer.

    Reply Report Delete
  11. U
    Uma Girish
    December 16, 2025, evening

    What is your relationship with the dark? As in, the darkness of winter, the dark in life…

    Reply Report
    N
    Nic Antoinette Author
    December 17, 2025, afternoon

    This is a beautiful, generative question, Uma. And my most honest response is that I don't know, or can't yet articulate, the thing that feels like my answer. I'll be contemplating this and taking it to my journal this season (thank you for that!) and in the meantime for anyone else intrigued by the question I would love to recommend this podcast interview: https://podcasts.apple.com/us/podcast/come-out-loud-featuring-adrienne-maree-brown/id1637476174?i=1000736506885

    Reply Report Delete
  12. C
    Carrie Ebner
    December 16, 2025, evening

    Hi Nic, I get a lot from your newsletter, and enjoyed your backpacking memoirs a lot earlier this year. I'm wondering about "patriarchy" a lot and curious if you experience its influence on your life. I notice you give back, and have stopped investing in stocks (I still invest in the market, but "get around it" morally by donating to support people and places who are exploited). Thanks so much for being a great leader of alternative trails to follow! -Care-e

    Reply Report
    N
    Nic Antoinette Author
    December 22, 2025, afternoon

    I thought about this question all week (thanks for asking!), and admit that I feel a little stumped by the scope of it. Because patriarchy impacts... everything?! Which makes it feel impossible to give you a comprehensive answer, so instead I'll share one of the things that kept coming to mind while I reflected on your question, and that's the way that patriarchy's assigned gender roles puts such a huge (and often unspoken) burden on women (I'm using the gender binary here since that's what patriarchy does) to be selfless and nurturing, and to do most/all of the unpaid domestic labor in their family and relationships. That's something I internalized so much when I was young, and have really had to be conscious and intentional about breaking out of!

    Reply Report Delete
  13. K
    Katy
    December 16, 2025, evening

    How's the gardening going? And chickens, if I'm remembering correctly that you got chickens? Any plans to increase homesteading efforts?

    Reply Report
    N
    Nic Antoinette Author
    December 16, 2025, evening

    We do have chickens, yes! Silkies, leghorns, ISA browns, and Jersey giants. The silkies are my favorites – they are so sweet! My partner is the main caretaker for them though, and they are more his thing than mine. But it's fun to have them, and wonderful to bake with fresh eggs.

    Gardening continues to feel both exciting and totally overwhelming?? Which I think is normal :) To be honest the garden got pretty neglected this year though, since my dad was diagnosed with cancer in May and then he and my mom and my partner were all hospitalized (for totally different reasons) in June, and then in August my dad died and I had to move my mom up here and and and – not a lot of energy to tend the plants, you know? We grew delicious lettuce and arugula though, earlier in the year, and had a banger crop of potatoes.

    The hope for 2026 (especially since my plan is to not travel outside of the northeastern US at all) is to really focus on the garden, and then also on learning different food preservation methods. I'd also love to build some kind of simple, outdoor, off grid summer kitchen. The list goes on and on! So yes, definitely plans to increase subsistence living efforts.

    Reply Report Delete
  14. J
    Jessica P.
    December 16, 2025, evening

    How fun!! Where do you get your news from? I'm off social media and pretty much every major news outlet because they all seem so biased. However, I want to stay up to date on things happening in our country. How/where do you get your news?

    Reply Report
    R
    Rachel
    December 17, 2025, morning

    Hi, just popping in because I have a great podcast recommendation … “up first” by NPR. It’s a daily podcast that’s released early in the AM and only about 10-15 minutes long. They cover the biggest 2-3 stories. It’s thorough enough to make me feel like I am informed but not overwhelming enough to ruin my day lol. I know this question was for nic but when I discovered this podcast it completely shifted my relationship with consuming the news and wanted to share! :-)

    Reply Report
    N
    Nic Antoinette Author
    December 16, 2025, evening

    Great question! My personal process is this:

    Monday - Friday I read the email roundup from WTF Just Happened Today? (https://whatthefuckjusthappenedtoday.com/) and then I also read/skim the transcript of the Democracy Now podcast (which feels better and more easily accessible to me than listening to the hour-long show). For international news and a non-US perspective I also check the homepage of Al Jazeera and go deeper as desired.

    On Fridays I listen to the news roundup on the podcast It Could Happen Here (they call this series Executive Disorder), because the hosts are people with whom I share values and I appreciate that they cover big stories as well as things I might not hear about anywhere else.

    I take the weekend off from checking things, and trust that if anything major happens I will hear about it (either out in the world or from my partner, who does still look at Instagram and who also uses Reddit).

    Otherwise, I subscribe to a few newsletters from more topic specific activist spaces (such as the monthly roundup from Interrupting Criminalization) which helps direct my own action and attention in the places I want it to go.

    Reply Report Delete
  15. K
    KSL
    December 16, 2025, evening

    What are your favorite fiction books of the year??

    Reply Report
    N
    Nic Antoinette Author
    December 17, 2025, afternoon

    I shared a few in another response above, and I'll also add that I really enjoyed the duology that starts with The Courting of Bristol Keats (by Mary E. Pearson). Reflecting back on 2025, it was a low fiction year for me, for a few reasons. First, back in late winter and early spring when I was training for my AZT FKT attempt, I was particularly drawn toward running/sports books (memoirs, training guides, etc) and none of those were fiction. Then, during the months of my dad's cancer and death I barely had the focus to read longform at all, and when I did I was drawn toward other types of nonfiction. It's only been in the past few months that novels have felt good to me again, and I'm excited about that. I've missed fiction!

    Reply Report Delete
  16. A
    Amani
    December 16, 2025, evening

    These questions are great! Also Janine's cat-auctioneering has made my day, incredible.

    I have two questions. The first one, to carry on our cookie-related conversation from a few newsletters ago, is: what is your all-time favourite cookie? And the second: I wonder if there are practices you gravitate towards to sort of "cement" feelings of enoughness. While my finances are still more touch and go than I'd like, I have so much in my life that makes me feel like I have more than enough, and I'm so grateful! But I still occasionally experience sharpness and anxiety around lack in my body, almost like it hasn't caught up with my mind. I guess another way of asking is, how does embodying enoughness in your every-day look and feel for you?

    Reply Report
    N
    Nic Antoinette Author
    December 17, 2025, afternoon

    Cookies! My all-time favorite is probably freshly baked shortbread (I loooove the vanilla bean shortbread recipe in Sally's Baking 101 by Sally McKenney). A related offshoot of this cookie type is linzer tart cookies, which I've never actually baked myself but sure do love to eat! For purchased cookies, my forever favorite is to go to a really great Italian bakery and get rainbow cookies. Extreme childhood nostalgia for me!

    Enoughness, ooh, this is a lovely question. Earlier on it was a lot of list-making in my journal, with prompts like: What am I grateful to have enough (or more than enough!) of right now? When have I felt satisfied and content in the past few months? What do I have access to that can be shared?

    For those moments of felt anxiety around lack or scarcity (which of course I still experience, and I think most everyone does too!) one thing that helps me is to get very specific about what's underneath that feeling. It's never that I want more money for the sake of having more money, but because of what money can give me (or what I think it can give me). So, using that anxiety as an invitation into more specificity around my wants or needs, and then creatively brainstorming a) how to increase the inflow of money to meet those needs and/or b) how to meet those needs outside of the formal money economy is soothing to my nervous system because it returns me to a place of agency.

    Reply Report Delete
    F
    Flo
    December 22, 2025, evening

    When I first read this I thought cookies were your answer to how you feel enoughness. Why not? Cookies are magic lol.

    I like to get into specifics too in response to feelings of scarcity or more generally feelings of discomfort. And I’ve found that it’s not enough to have that conversation in my head. I have to write it down to make connections that were not available to me within my mind alone.

    Reply Report
    A
    Amani
    December 24, 2025, morning

    Amazing! Also a big fan of shortbread in its many iterations, so this is right up my street. I look forward to checking out the vanilla bean shortbread recipe. I had to look up the rainbow cookies as I was unfamiliar with them, I was expecting something with rainbow sprinkles but of course Italian flag-coloured cookies from an Italian bakery makes more sense, haha!

    And thank you for this thoughtful reply re: my second question, it really resonated. Especially your last point. I think both trying to meet our needs outside the formal money economy and the "what do I have access to that can be shared" prompt are both such great invitations to step back into our own agency. I will be carrying these thoughts around with me. Thanks Nic!

    Reply Report
  17. J
    Jonnie
    December 16, 2025, evening

    I've heard several people mention how you've helped them with a money class you offer. Will you be offering that class again? If so, when?

    Also, as you’ve gone through your own money journey, do you have any tips for avoiding overdraft fees? I recently had a big financial setback and was out of work for a while, but I'm finally starting to work again and want to get my finances in order. I know I need to prepare for retirement and would love to be able to give and support causes I care about, but I need to get my money situation sorted out first.

    So, I guess my main questions are:

    What is this money class people are talking about? Do you have any advice for avoiding overdrafts, especially if you’ve been in a similar situation?

    Reply Report
    N
    Nic Antoinette Author
    December 17, 2025, afternoon

    In 2024 I taught two sessions of a class called How Much Money is Enough? and that's what folks are referring to. As of now I have no plans to teach it again, since I am focusing exclusively on this newsletter for the next 6 months and no other work. Mid-year 2026 I'll be reevaluating how my own income and work desires feel, and making decisions from there, and if I do ever teach that class again I'll share it in the newsletter first, so you won't miss it :)

    As for the overdraft fees, the most honest answer I can give you is that that is not something I have personally struggled with because a) I enjoy being to-the-dollar meticulous with tracking my spending, and b) the few times I've needed to cover expenses that I don't have cash for at the moment I've chosen to use a credit card instead of a debit card. (Credit cards are obviously their own whole beast, beyond the scope of this question, but just sharing why I haven't dealt with overdraft fees personally.)

    So none of what I'll share next is from my own lived experience, but from a more general personal finance "best practices" lens, here are some ideas: 1) Talk to your bank and see if they offer any kind of no-fee overdraft protection (for example, do they offer an account notification you can set up for when your balance drops below a certain amount?) 2) My understanding is that all banks are required by law to allow you to opt-out of overdraft protection, which would mean your card would decline if there aren't sufficient funds to cover a transaction but this would also eliminate overdraft fees. 3) Consider changing banks to one that has lower overdraft fees and/or meets your needs better overall, if your current bank folks are unhelpful (or shame-y) about any of this. 4) Experiment with expense/income tracking to find something that feels good for you. I personally use YNAB (happy to share my little referral link if you think it's a good fit for you!) but honestly I just used a simple spreadsheet for years, and there are also free apps/software. 5) Surround yourself with stories and info from folks in similar situations to help you feel less alone (assuming you do feel that way; I often did in the early days of trying to learn about personal and systemic finance stuff, since I was never taught any of it) by reading books and listening to podcasts that are aligned with your values and curiosities in this arena.

    Reply Report Delete
    G
    Georgie
    December 22, 2025, evening

    Jonnie, just chiming in as an example of someone in a similar situation. I had a recurring overdraft issue a few years ago and managed to get out of it! I was able to get a balance transfer credit card which was 0% interest for 18 months. I’m in the UK but hope they have them where you are to. The credit card basically paid off my overdraft in one lump sum. At that point I cancelled my overdraft, as Nic mentions above. Then I paid back the credit card for the 18 months. It meant I stopped paying interest on my overdraft and gave me some breathing space. I also really loved seeing it as a separate bill, rather than constantly seeing my bank balance fluctuate in and out of my overdraft. I haven’t used an overdraft since. I still use a credit card for any cash flow stuff/emergencies, because it usually works out that you have about a month or so before it shows up on the statement and you need to pay it - I then pay it off in full. Hope that helps!

    Reply Report
  18. A
    Anna
    December 16, 2025, evening

    Any advice for quitting social media? I just deleted Instagram from my home screen yesterday! What do you do when you need something mindless to take up a few minutes of time?

    Reply Report
    Christin's Newsletter
    Christin Chong, PhD
    December 16, 2025, evening

    Relatedly question, how are you thinking about distribution as a creator without using platforms like Instagram?

    Reply Report
    N
    Nic Antoinette Author
    December 16, 2025, evening

    Okay so, the most honest answer I can give you is that I am not currently thinking about this at all, since I have intentionally chosen not to prioritize expanding my business or gaining visibility as a creator.

    At this time I am writing here for this newsletter, and that's it. I wrote about this in more detail a few weeks ago, but basically my plan is to spend the next 6 months doing exactly that and see where I land, income wise, and if the combo of continuing to reduce my expenses + really focus on this newsletter can balance out to a point where this project earns me my basic subsistence enough number. I hope so! And I'll happily share more along the way or in 6 months.

    I'm going to be a guest on my beloved friend Amelia Hruby's podcast, Off The Grid, next month, talking all about this journey of business degrowth. If you have any specific questions about this please feel free to ask!

    Reply Report Delete
    N
    Nic Antoinette Author
    December 16, 2025, evening

    Yesterday! Hell yes, congrats! My advice is:

    1) Make yourself a very specific list of why you are quitting and re-read it all the time, adding to it whenever new reasons pop up. Similarly: it helped me to identify what I call the "price of admission" for making a change — aka the things I am knowingly giving up in order to have the thing I want more. With Instagram the price of admission to a more peaceful life, greater privacy, and a reclamation of my own attention (the three things I wanted most) was losing touch with some folks and not being the first to see a news update or pop culture thing. To me that was a worthwhile price to pay, and reminding myself that there is indeed a cost (and that I had decided to pay it) was much easier than telling myself it "should" be "easy" to quit because Instagram is "bad". 2) Be super tender & kind to yourself. Changing an ingrained habit or behavior can be really hard! The addictive nature of these apps is fucking real, and engineered on purpose by very smart, very rich, very powerful people. There's nothing "wrong" with you if quitting feels difficult.
    3) Intentionally learn about the most evil aspects of these companies to help strengthen your resolve (Cory Doctorow's Enshittification is my A+ rec here). 4) Surround yourself with stories of other people who are making this same choice, especially if you don't have anyone in your offline line that can relate (Amelia Hruby's podcast, Off The Grid, is my rec here, as well as her new book, Your Attention is Sacred Except on Social Media). 5) Create a menu of easy things to do instead of scroll social media (which you insightfully touched on already in the second part of your question!) I often turn to podcast listening for this, or honestly even just scrolling through my podcast player app to see if there's anything new I want to download. Same for browsing the book app that my local library uses and putting books on hold. It satisfies that momentary urge to scroll and see new things, but in a way that doesn't hook me.

    Reply Report Delete
    A
    Anna
    December 16, 2025, evening

    I love all this useful advice, thank you! I will try these strategies and see how long I can stay away, perhaps indefinitely. I super appreciate the book and podcast recs.

    Reply Report
    A
    Alex
    December 17, 2025, morning

    I deleted this year but it was after many years in a contemplation space and then almost a year of deactivating my account and seeing how that felt. Recommend reading Careless People - reading about how unethical of a company Meta is really helped me make the leap from contemplation to action. I know I’m missing out on stuff (like Lily Allen’s tour announcement) but mostly it feels great and I have reclaimed so much time! Good luck!

    Reply Report
  19. M
    Me.
    December 16, 2025, evening

    Those of us who are lucky enough to have been long, long, longtime readers can really appreciate how big a change it’s been for you to set down roots, not just in your physical community but within yourself. Do you have any advice about letting go of things that are still wrapped around your heart long past when they’ve stopped serving where you are in life?

    Reply Report
    N
    Nic Antoinette Author
    December 22, 2025, afternoon

    This is a lovely reflection, thank you 🖤

    I don't know that I have any advice, since I'm still (always?) living into this same question in various ways. I've been working on an essay about relinquishing the dreams of capitalism, which has brought this inquiry up for me in a big way. One thing that has helped me (and this is probably a boring answer since it's my main answer for everything lol) is list-making. For some reason that's the most accessible and generative format of reflection for me, and in this particular realm it has helped me to better name what specifically I used to want, and why, and which aspects of that dream/desire still fit and which don't. Is there another way to give myself the feeling I wanted when X thing was my dream, but in a way that's more right-fit with my current life and values? That's a question that's been feeling supportive for me lately.

    And then more on the letting go side of your question, it helps me to get myself to a place of agency about it at least in some small way, where I can hopefully see that surrendering a past dream is a choice I'm making, and that making that choice doesn't mean that letting go of the dream is easy, effortless, or without grief. I've even thought (and this might be too woo-woo for some) of having a small "funeral" of sorts for dreams it's time to let go of. Not sure what that would look like, but it's been on my mind this year.

    Reply Report Delete
    F
    Flo
    December 22, 2025, evening

    “ Is there another way to give myself the feeling I wanted when X thing was my dream, but in a way that's more right-fit with my current life and values?”

    I love that question! I’ve been thinking about my flying habits lately. It makes me uncomfortable to fly to Europe almost every year but for now I’ve made peace with continuing to do so to see my aging parents. I’ve always had the dream of going somewhere with tropical forested habitats to experience a very different type of nature but I can no longer imagine flying to Costa Rica for a vacation. It doesn’t feel aligned with my values. I think your question might help me think through this.

    Reply Report
    N
    Nic Antoinette Author
    December 22, 2025, evening

    "I can no longer imagine flying to Costa Rica for a vacation" deep relate! Travel is one of the areas where this question feels most supportive for me, for sure.

    Reply Report Delete
    M
    Me.
    December 22, 2025, evening

    Thank you for the reply Nic. These are all very helpful considerations for most people’s needs but not so much in my case — where I’ve never been able to match the feeling, never been able to shake it, truly never been able to go more than a few days without coming back to it, after what is now a decade of hoping it would fade. The sort of thing where at this point I kind of just have to assume it will always be there, etched into me somewhere. If I even knew how to find that feeling somewhere else, and I haven’t yet, I don’t think it would stop this one anyway. Not sure I can list-make my way out of this one haha.

    But such is life I suppose. Not just in the sense that things are out of our control, but also that sometimes things just… are. I will always have this unquenched fire. There’s a blessing in something eternal, even if it can’t be shared.

    Reply Report
    N
    Nic Antoinette Author
    December 23, 2025, afternoon

    "sometimes things just… are."

    This is so true (and profound in its simplicity), and makes me think that the answer you're seeking might be the one that you already have: continual surrender. It's an answer I personally both love and hate for myself, because god can't there be something else instead?! And yet.

    🖤

    Reply Report Delete
    G
    Georgie
    December 22, 2025, evening

    I’m not sure what your situation is but I had this feeling for most of my twenties, specifically about a relationship I recognised that I struggled to move on from, and partly didn’t even want to move on from. I felt exactly how you described in your first post. Honestly? What helped me in the end was counselling to chat through that feeling. It took a while but being able to slowly sift through my tangled wool of emotions about it did work, and I’m so grateful I did it. It freed me up for new experiences - and today I can look back on it occasionally as its own little time capsule without comparing it negatively to my current life. As I say, just my experience so may be completely different for you. I did also try to be very tender with myself about it, as society is very ‘must move on/adapt immediately’ and that’s never been my experience with any big life change.

    Reply Report
    G
    Georgie
    December 22, 2025, evening

    *first paragraph sorry, not first post

    Reply Report
    M
    Me.
    December 22, 2025, evening

    Thank you Georgie. I appreciate you sharing this.

    Reply Report
  20. L
    Lauren
    December 18, 2025, morning

    Hi Nic! I love your newsletter and appreciate the opportunity to challenge my own thinking every week. While I know you're only committed to the newsletter for the next 6 months, I'm curious if you're ever tempted to write another format that will eventually be published (e.g., another book) and if you give into that temptation (writing a chapter, jotting down notes, etc.) or sit firmly with your decision to commit exclusively to the newsletter.

    As a reader, I would love another book as I enjoyed both of yours so much; as a fellow writer, though, I experience waves of excitement and uncertainty where I'm like "get this idea away from me!!!" but at the same time I can't seem to let go of the storyline(s) swirling around in my head.

    I'd love to hear your experience if you're open to sharing.

    Reply Report
    N
    Nic Antoinette Author
    December 22, 2025, afternoon

    Thanks so much, Lauren!

    My 6-month commitment to focusing exclusively on the newsletter is only in regard to my public-facing writing; I don't put any restrictions on myself when it comes to working on other projects/ideas if they call to me! I'm not writing anything else at the moment though, but there are two book ideas that have been simmering in the back of my mind for a while: one on the exploration of the "how much money is enough" question, and one more hike memoir. We'll seeeeee :)

    Reply Report Delete

Add a comment: