Hard Times Cause Dirty Diapers

Oh, crap. Really.

You know we are in serious sh*t when diaper sales are going down and diaper-rash ointments are rising.

Because according to the Wall Street Journal, as the economy tightens, that is exactly what is happening as more families are finding it increasingly difficult to provide even the essentials.

Things like diapers. Which can lead to higher rates of angry, red diaper rash, hence the increase of sales in diaper rash cream.

And here I am talking about investment finance and the stock market. Shame on me, right?

How (and why) can we even address investing in this new reality?

Writer Hannah Karp reports a growing number of parents…must choose between buying diapers and paying for food and heat … Proctor and Gamble (P&G) also suggests that parents are also potty training children earlier to save cash as economic uncertainty deepens.”

Prematurely potty-training out of necessity?

I am not even sure I can comprehend that properly.

In my culture we don’t bring any baby items into the house until after the baby has safely arrived. Which suited me fine. I was too busy being pregnant.  I simply could not plan for a future of shriveled-up umbilical cords or school yard bullies — my energy was devoted exclusively to wishing baby well — ok, that and timing my next vanilla milkshake.

Same goes for investment finance. Our daily obligations are important and overwhelming enough. Sometimes there is simply not enough time — and more importantly, resources — left over to even contemplate our financial futures.

So the question is: Is there a place for investment finance in our lives today?

The answer has to be yes.  Essentially, investing is just a way to manage (and grow) your savings. It doesn’t matter if it is $10 a week or $1000 —  investing provides hope for a manageable future.

“Experts” agree that the stock market is among the only ways for the average person to gain wealth, beyond wage-earning. So, that means that for average person to be able to pay off debt sooner, save for retirement or simply buy their baby some diapers, they absolutely need to be invested.

So, I am asking you reader:  What is your financial lifestyle? What can we discuss that would be relevant and of real value?

[For full disclosure, I have decided to post this on both and The former is where I discuss investment finance and the latter, personal finance. This is the first time I am recognizing how distinct these two  financial realities really are]

Article Posted 4 years Ago
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