Learning the Hardway

Teachers play an essential role in preserving and deepening collective wisdom. A good teacher not only guides through their expertise, but they know that the true teachings are found within each one of us and, after a lifetime of trying, erring, and persevering, they know how to create kind space for wisdom to arise.

I recently rediscovered a 59-page handwritten novel I wrote at age 12 titled “Stoop 12: Learning the Hardway.” Rereading this school project through an adult lens has been a profound experience, prompting me to reflect on the intersection of art and life.

The story follows a 17-year-old protagonist named Andrea living in “The Bricks” housing projects. It depicts a cycle of gang violence, theft, and teenage pregnancy—a world where characters are focused solely on survival. While the mature themes and body count (deaths) are startling for a childhood assignment, I am struck by how accurately it reflected the environment I was raised in.

In hindsight, I find myself questioning if my teacher at the time actually read the submission, given the explicit language and heavy subject matter. Despite the raw nature of the content, I can see how the project was intended to improve writing skills, boost creativity, and foster emotional intelligence.

I wanted to share these reflections with you as I process this look back at my younger self’s perspective on life. I am curious if you ever had similar assignments as a child, and if you still have any of those early writings?

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On Hope and Possibility … 

“May we honor the beauty in every ending and trust the promise of each new beginning. May we walk forward with open hearts, knowing we are always being led home.”

Positively Purging-I welcome your feedbacks in the comments and your likes and passing the real life wisdom on to others as I embark on this new venture of “positively purging“, as I know each of these pieces represents something…

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Self Reflection

  • What do I consider an indulgence? Why?
  • What are my beliefs around rest (inclusive of getting enough sleep, naps, breaks, vacations, etc.)? When do I allow myself to rest? Why?
  • What are some of my favorite places and spaces? How frequently do I visit them? Why?
  • What are some of my favorite things that I own? How frequently do I use them? Why?

Positively Purging-I welcome your feedbacks in the comments and your likes and passing the real life wisdom on to others as I embark on this new venture of “positively purging“, as I know each of these pieces represents something…

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ABLE Account

Last week, this section included a question about how to financially assist someone so that the person doesn’t lose federal benefits. I suggested creating a “Special Needs Trust.” 

A reader reminded me that people can also use an ABLE Account, which I had overlooked. It’s named for the Achieving a Better Life Experience Act, which became law in 2014.

“I am in a similar situation as your writer as the guardian of a disabled adult. Special Needs Trusts are not necessarily as safe as an ABLE account as some of the myriad ‘qualification’ forms ask specifically about being the beneficiary of any trust. ABLE accounts are set up with legal protections against being a disqualifier for benefits. They are sponsored by states. … We have opted for a Virginia account (ABLENOW) for a Massachusetts resident so we can avoid that.  We have also created a larger account (this is where a trust would come in) holding the estate that funnels into the ABLE account because the maximum annual donation amount is the IRS gift cap. I hope this is useful.”

Yes, I love it when readers help me answer questions.

Here are some key benefits of an ABLE account:

  • Funds don’t count against income/asset limits for SSI and Medicaid.
  • The original legislation specified that the disability must have begun before age 26, but that will expand to age 46 starting in 2026. 
  • These accounts are similar to 529 college savings plans, with tax-free growth and withdrawals for qualified expenses.
  • Earnings grow tax-deferred, and withdrawals for qualified disability expenses are tax-free.
  • Friends, family and the account owner can contribute.
  • The money can be used for disability-related needs (housing, education, health care, etc.) without losing eligibility for benefits such as Medicaid or SSI, provided the balance stays below $100,000. 
  • ABLE accounts are offered through state-sponsored plans, such as ABLEnow in Virginia, but you don’t have to enroll in your own state’s plan. Just make sure to check if contributions could qualify for a state income tax deduction.

For more information, visit the ABLE National Resource Center website.

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sacred path

Be mindful that your life and work are led by authenticity, not fear. Embodying your authentic life, voice, passions, purpose, and gifts is why you are here. You deserve this sacred path. It’s the most magnetic and divinely aligned – Lalah Delia

Positively Purging-I welcome your feedbacks in the comments and your likes and passing the real life wisdom on to others as I embark on this new venture of “positively purging“, as I know each of these pieces represents something…

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