A normal, mundane, summer Monday in the books including a morning workout, followed by actual work, desk lunch salad, etc. Now, hit the pause button and rewind the tape. [Side note, yes I know no one actually uses tapes anymore]. We are now in December 2016. December was when I received my last stipend payment from the University of Miami, where I attended my doctoral program. When the payment went through I realized that the number looked a little off… in fact it was a bit higher. At this point in my life, I was on the cusp of entering my “debt free” phase, so I really didn’t pay all that much attention to the higher payment. I figured there had to be a reason for it. Christmas bonus? Increase in stipend pay? Whatever it was, I didn’t care. I had just moved and was paying for our full apartment’s rent + New couch (Cashew the cat utterly destroyed the last) + all the expenses that accompany moving.

Fast forward all the way back to the mundane, summer Monday. Cue, a very important email from the budget director at University of Miami School of Nursing informing me that I had been overpaid in the month of December. My “whatever didn’t care” attitude from the past winter was kicking my current self-hardcore. In reflecting, I went back to my bank statement and realized the overpayment was not just a small addition, it was in fact $1500 extra. ONE THOUSAND FIVE HUNDRED. This was the exact amount I was planning to spend towards my student debt for the month of August. Cue the crocodile tears. Hell, cue the real tears.

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