It Ends with Us

It Ends with Us (2016, 427 pages) by Colleen Hoover. “He wouldn’t allow you to take him back. He would make the decision to leave himself so that he knows for a fact he can never hurt you again. That’s the kind of love a woman deserves” (392)

Oh, how I want to share more than that quote, but I do not want to spoil this read for anyone. It is worth reading, as it is raw, honest, inspiring, and a profoundly beautiful story. The plot of this book is extremely character driven. To say much of anything about any of the characters would give away the whole book. The story flips between the protagonist Lily Bloom’s past written as journal entries to Ellen (yes, that Ellen) and her present. Hoover did an amazing job with this type of flashback as it can be distracting or confusing, but this was quite the opposite. It was enjoyable and revealed more of the character’s story, which is a story of unshakable love and finding the strength to make the right choice in the hardest situation. There’s an incredibly powerful message in this book that is very subtly woven in from the start. It begins in the first chapter, but you don’t realize yet how significant each of these moments truly are until you meet all the characters. Then these pieces of the story come together, forming a scenario that gives such a raw, honest portrayal of an incredibly relevant issue. I’m a firm believer there are books out there that help you understand something about yourself you never knew, or things that you thought you knew about yourself but were so wrong about. This is one of those books. The naked truth is this book strips away a lot of preconceived notions. I highly recommend it. I will say there is a film adaptation of this book, but the film changes two major plots of the book, one so much that you will not understand the title of the book unless you read the book. I won’t out right tell you what the plots are, but I share this sentence from the book, “cycles exist because they are excruciating to break” (420)

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Achieving a Better Life Experience Act

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. –Michelle Singletary

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The Strong Black Woman

The truth of the matter is we need help and we need support, which is why it’s imperative to have a strong circle. You’ll have hard days and you’ll need someone to talk to, someone to unload what you’re feeling. Pursue your grind and hustle, but don’t do it alone.

I think we also feel the pressure to be perfect. Then when we aren’t, we feel our worth diminish instead of remembering our humanity. We have to treat ourselves with better care. And we also have to make peace with our mistakes. Mistakes don’t make you dumb, they make you better. –Dr. Kristian Edwards,

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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a museum

A friend once said, “Black people’s first experience with a museum is their Grandmother’s living room wall.” – Alana Marie

Wow, that resonates deeply. Our grandmother’s walls were like galleries of love, history, and survival—family portraits, newspaper clippings, church fans, and artifacts that told our story long before any museum ever would. Those walls held not just art, but lineage, memory, and pride. –Kurt Juman

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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spiritual reflection

Dear God, Help me slow down, cherish the time I’ve been given, and spend it with intention, love,
and gratitude.
Amen

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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