Why Losing Nearly Everything Was the Best Thing That Ever Happened to Me

This past year, I’ve called it quits on an epic level I never expected or anticipated — and not willingly.

I called it quits on my freelance career in an ill-advised foray back into the 9-to-5, hoping it would salvage our precarious financial situation.

My sanity called it quits on me as I quickly remembered why the 9-to-5 is not the place for me, while watching my sacrifice do nothing for our bank account because one income and a disabled spouse’s medical bills don’t play well together when said spouse is four years into a benefits battle.

I called it quits on working altogether when the depression this caused plummeted me into the scariest and most encompassing black hole I’ve ever experienced — and made me very nearly call it quits on existing.

We called it quits on our life as we knew it, selling our house as well as most of our earthly possessions except those that would fit in the two rooms we’re now occupying in my in-laws’ basement.

We also lost both of our elderly dogs within months of each other, lost the ability to foster dogs (one of the lead reasons I hung onto our money trap of a house as long as I did), lost regular contact with most of our friends given our new location, and very nearly lost our marriage to the strain major depression puts on a relationship. (The thought of losing my husband, and not the wish to stop existing, was surprisingly the one factor that actually made me decide all the other losses were worth whatever it took to get better.)

If we owned a pickup truck, we’d have been one lost pickup truck away from the worst (or best?) country song ever written.

It was also the year I called it quits on giving a flying fuck about anything but the stuff that really, truly matters to me on the most basic of levels. Because when you’ve hit your rockiest rock bottom, you lose that ability altogether. Not in a deliberate, “I’m self-improving” way, but in the way your vision focuses when you’ve realized your building is burning to the ground: suddenly you know there are only a few things worth grabbing as you hightail your ass out of there, and all the rest can go up in smoke for all you care.

Sometimes clarity comes through long, intensive years of thought and work and struggle. And sometimes you put in long, intensive years of thought and work and struggle, and you teeter-totter between flashes of clarity and long hauls stuck back in the mud of mundanity. And then it all goes to hell in a handbasket and there clarity it is, waiting for you in the rubble with a sad little shrug that says, “Well, I’d hoped we wouldn’t have to meet like this, but here I am anyway, so hello.”

So that’s where I am now. With a newfound perspective I’m quite thankful to have, although the means of obtaining it weren’t anything I’d prefer to go through again.

A Caveat Before The Feel-Good Bit

People jaw on a lot about the notion that from great pain and great suffering come great lessons, wisdom, opportunity, etc.

And that’s true. From the epic shit storm that has been the past year, I’ve emerged a wiser, leaner, meaner butterfly than any mofo that ever left the chrysalis.

But I make no mistake that it was, in fact, still shit, and even the most optimistic of results can’t make it otherwise.

I am grateful for the positive things I’ve mucked out of the past year, and happy with what looks to be the glimmerings of a new chapter dawning, but I still mourn all of our losses, and there are plenty of pieces of me that are the worse for wear and will be for some time now.

It feels frivolous and dense to brush over a dark period and move on to the bright side without first mentioning that pain and suffering suck super fucking hard, and if you’re smack in the middle of them, this post may help to show you there can still be good — but it’s not meant to diminish or make light of the bad you’re currently going through.

I’m all too sensitive to how hollow and crude wisdom like “everything happens for a reason” and “things will get better” sound when you’re facing down the barrel of the worst-case scenario you never wanted to learn you were strong enough to face. So let me say this now to anyone in the midst of that:

You have a right to feel the suck. You have the right to not want to fight right now. You have the right to hate, and resent, and mourn, and take all the time you need until you actually feel the new strength you’ve found in yourself. Because shitstorms are exhausting, and there’s going to be a delay before the lessons you’ve learned catch up to your ability to feel anything about them.

So go easy on yourself, and don’t let this sound like some sort of unicorns-and-rainbows attempt to gloss over how hard hard times can be.

Cool? Okay. Then, that disclaimed…

What Can Be Learned on the Other Side of the Suck

As Mark Manson (one of the few bloggers I still follow in my new lean, mean refusal to waste energy on anything unnecessary) put it perfectly:

“The truth is that transitions between the life stages are usually triggered by trauma or an extreme negative event in one’s life. A near-death experience. A divorce. A failed friendship or a death of a loved one.

Trauma causes us to step back and re-evaluate our deepest motivations and decisions. It allows us to reflect on whether our strategies to pursue happiness are actually working well or not.”

And that’s precisely what’s happened to my husband and I as a result of all the things we were forced to let go of this past year: they made us realize the seismic shift our priorities needed to take to ensure our next steps were happy ones. As a result:

We called it quits to most of our debt. We had built up just enough equity in our home that our proceeds from its sale were enough to settle some outstanding bills and wipe the slate clean. While it’s incredibly hard to keep afloat of things with our lopsided income-vs-needs equation, we are hellbent on only incurring debt again in cases of absolute, unavoidable need. (Read: medical treatment to keep us alive, etc.)

We called it quits on the “wants” we considered “needs.” My own health post-breakdown has made my return to the writing world much slower than I’d prefer. It’ll be a while before I’m back to the productivity level I was at when I left, and in the meantime, the only way to keep our restricted income on pace with our needs is to radically slash what “needs” we allow ourselves.

Fortunately, letting go of as much as we have this past year has made it pretty crystal-clear what “needs” we actually need. A bathroom and kitchen of our own, the discretionary income to go out to eat with our friends, the self-respect of having our own place? Things we really, really wanted, but not needs. Not when the shit hits the fan and it’s slash or burn.

Our relationship as a couple, our health (such as it is), the breathing room to let ourselves heal and re-strategize? Needs. The few things, actually, that we do need without question. All the rest is just noise, and expensive noise — financially, mentally, physically and emotionally.

We called it quits to the burden of homeownership. When we got engaged, buying a house just seemed like the next logical step in the timeline. It was what everyone did; it was “better than pouring money down the drain,” as the conventional wisdom goes. (At the time, I was still naive enough to believe in the validity of conventional wisdom.) And for a little while, it was nice. We had lots of space. We got lots of dogs. My husband had a man cave and a practice space in the basement and I had a home office with a door I could close.

But then he got sick, and sicker, and the collective monetary and energy burden of maintaining a home and property began to weigh much heavier in our minds than the fact that our monthly mortgage bill was roughly the equivalent of rent for an apartment in our market. Finally letting go of our house, sad as it was, was like letting go of a breath I’d been holding for nine years without realizing it.

Maybe things would have been different if we’d kept renting after we got engaged; maybe they wouldn’t have. We can’t really know, and we can’t beat ourselves up over what’s done. We can only know the path we need to take going forward, and start walking.

I called it quits on my pride. This may sound like a horrible thing, and it was that belief that this is a horrible thing that led us to the point of near ruin. I held onto the house for too long, I tried working a job I knew would break me, I kept working that job even when it was clear it wasn’t doing us the financial good I thought would make it “worth it”… all because I was absolutely dead-set on never, ever having to tell anyone (least of all my in-laws) I couldn’t handle the situation on my own and needed help.

My focus in life has been all about Making Things Happen and Never Giving Up and harnessing the sheer power of hustle and determination to make the impossible possible. To admit defeat felt like admitting my entire life had been a sham. But sometimes the impossible is just that. And when your own bullheadedness prevents you from being able to admit that, it isn’t strength or independence; it’s just foolishness.

I called it quits on any of the remaining fucks I gave about what a “successful” life is supposed to look like. Shitty luck and steep odds have landed us in a place I’m not happy with as a long-term situation. Of course I’d like to have our own kitchen and bathroom. Of course I’d rather be surrounded by dogs and have room for all my books. Of course I’d rather not depend on others for some of my most basic needs. Knowing this was the right step to take doesn’t make it any less painful or humiliating.

But I’m also, in an odd way, more content than I’ve been in a long time.

Because admitting we needed help and being willing to take a temporary loss has given us a chance to turn a page and start over. And I now that I know the only things our story really, truly needs to be a good one, I’m cautiously optimistic about what this new chapter will bring.

What This Means for CCIQ Going Forward

When I started this blog, I was a starry-eyed, gungho dreamer who owned a home, lived on two full-time incomes and the accompanying benefits, and had the ability to summon boundless energy through tenacity alone. (I envy that energy now. It seems otherworldly.)

Now, I’m six years older, battered and scuffed in some places I wasn’t before, and in circumstances I still can’t quite fathom because nothing in any of my planning or imagination ever prepared me for this sort of thing.

I am not the same person I was at the start of this, and my life is not the same life it was. I don’t say that in a grab-the-tissues, cue-the-violins way, but in a realizing-how-things-have-changed way.

So it only makes sense that this blog change to reflect that.

Expect more about simplicity, living outside the lines and radical choosiness in a way previous Quits have only hinted at.

Old Cordelia was all about escaping the cube, being an entrepreneur and hust-hust-hustlin’.

Cordelia today is more about tiny living, calling shenanigans on “the American Dream,” and figuring out what this whole hygge craze is all about.

I hope you’ll be with me for the newly reformulated CCIQ. I’m as curious as anyone to find out what’s in store…

Image:  Unsplash / Pixabay

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  • Amanda A. Meader

    I’m with you Cordelia! I called it quits four weeks ago, for very similar reasons. Hang in there….

  • Marilyn

    I quite literally share your pain. I won’t go into the long sad story, but suffice to say, it IS the same sad story except somehow we have the house. It’s getting increasingly decrepit because we can’t repair anything, but I figure it’ll hold up as long as we need it. Regretfully, we can’t go live in someone else’s basement (don’t think I wouldn’t if we could!) because they are gone. So we stay here, or there is nowhere to be. Ironically, we are where what remains of family comes when there’s nowhere else. For us, there IS nowhere else. Yeah, letting go of your pride may be the hardest part of it. When I had to actually go on line to beg for money to fix the well, that was the bottom for us. We survived.

  • Cheri Hamlett

    Cordelia, I am SOOOO with you. This is what the past 1+ years has been like for me: my job of 4 years ended on November 30 of 2015. I was doing all the job search things and nothing was happening. In March of 2016 I was walking my dogs and they broke my left hand (long story). I had a cast on my hand for a month and it was difficult to be that effective in my job search but I did my best. On tax day (April 18) my house flooded in the horrific storm we had here in Houston. The repairs on my house took forever (finally finished in January). The contractors I dealt with took advantage, lied and took way too long to get everything done. I was back to living in a small space – my bedroom, half of a bathroom (with a shower thank goodness) and no kitchen. I hadn’t lived like that since the 1980s in Chicago (and then I at least had a kitchen). What really was frustrating is that the contractors were so inconsistent in their comings and goings I often times had to miss networking and job search events. Plus they were horrible about communicating – if I hadn’t been around they would have started projects that neither I nor my dogs should have been around to experience due to the air quality issues they caused. I often had to pack up my stuff and my hounds and head for a nearby hotel at the last minute. I finally resorted to looking for a retail job to get some money in the house – I had used up my severance from my last job, all of my allotted unemployment AND the insurance money from my personal property loss to live on. I couldn’t get hired! I have, in the past, worked in retail and been an assistant manager. I was beyond frustrated. I finally got hired on by a major chain but when I went to request shifts – there weren’t any! I finally got connected with the manager of a department and she was able to give me shifts. In January I secured a contract position, making less than 2/3s what I had been making previously – certainly not enough to cover costs and pay off the additional debt I incurred as a result of the flood. I had to cancel my good insurance (that was subsidized by the ACA) when I was eligible for insurance under my company – unfortunately the only option I could reasonably afford has such a high deductible that I will never satisfy it unless I get really sick. AND, the day after my good coverage ended, I got the flu and had to pay out the wazoo to be seen and get the medicine I needed. I am still looking for a higher paying full-time gig with better benefits, but I am also pushing myself to get back into Life/Success Coaching. I feel it is my calling to help others find their purpose and achieve it. I handled my adversity very well, despite not having that great of a support system, and I feel that now is the time to get back to where I need to be and do what God put me on earth to accomplish. The bad times are always going to come along; we can either be beaten by them or come out stronger and more determined. Either way it is a hard row to hoe but what is the alternative? Stay strong Cordelia – you are an Amazon warrior who can accomplish whatever you set out to do.

  • Cordelia’s Mom

    Excellent post, Sweetie. You’ve been through Hell and back, and you’ve survived and managed to keep your marriage intact. Not many people could have done that.

  • Hannah Watson

    Your writing shares your pain and I really hope you’re getting all the support you need to continue your upward journey.

  • Carol

    I’m sorry for all you’ve been through the past year. I’m in the midst of something similar right now. Thank you for writing this. I needed to read it today. I’ll be watching for more posts.

  • Seth Aaron Lease

    Welcome back to the trenches. Your blog is fun. Well wishes to you on your journey and finding the right words to write with.

  • Ruth Elisabeth Jackson (Elisab

    Good to see you back here! Always loved your posts, always will.

  • Thank you for sharing your story, I look forward to reading more. Struggle really sucks, but I do find it brings me a certain creativity that can only come from a dark place. PS- Mark Manson is great…I recently read his “Subtle Art…” and loved it.

  • Lisa

    I was just diagnosed, at the advanced age of 40 as Bipolar Type II. That, combined with my ADHD Inattentive type makes working a full-time job hard. I quit my job in the middle of a mixed hypomania/depression at the end of February, and am recovering, resting, and putting the pieces back together on my life a month and a half later. I’ve applied for disability. I’m not counting on being approved, but I have to at least try. I am working a part-time virtual 1099 position. I’m pet-sitting part-time (incredible therapy by the way), and looking into being an elder companion. I’m well medicated. I’m going to therapy weekly. I’m adjusting my expectations. Going forward I may only be able to work part-time. That’s okay. I’m focusing on writing. I’ve started writing a book about my life experiences thus far, with the goal of self-publishing. I’m not even pressuring myself to write daily – more like a few times a week is the goal. I’m hanging with my 4 cats, and finding healing. I’m volunteering. I have so much support in my life that I’m immensely grateful for. When it comes down to it, I think life is about working a little, loving a lot, and finding and spending time with “your people.” That’s overly simplistic, but that’s where I’m at now.

  • I’ll admit to a little smug satisfaction when you two got a house so that you could keep dogs. But if it was messing you about that much, I’m much more glad to see you do what you need to do to keep your sanity, even if it means going without household woofers for now.

  • Kurt Q-Co Cobbaut

    We can control our own destiny, some people just need a little motivation with it. It’s not easy to turn around your entire life in a few minutes. It takes time. But it’s always worth it in the long run. Something that helped me a lot was “the manifestation miracle”. It’s more of a “reprogram yourself” system. Something we need to do to get ahead in life. It helped me getting stronger mentally, attract more positive influences around me and brighten up my days sort to speak. Click here if you want to give it a go: https://tinyurl.com/yan35gc2 , I wish you all the succes you want in life, love and …well, Life.

    • Trash

      Kelly Gurnett
      a.k.a. “Cordelia”

      Cordelia Calls It Quits
      Twitter: @CordeliaCallsIt
      *Need help making your blog (or your life) awesome? I’d love to work with you!. *

  • Hi! I read your Pennyhoarder article, “Here’s What Landlords Do With Your Rent Payment Every Month” It was so good that I wanted to check you out. I’m sorry to hear what happened, and am hoping you’re back to writing?

  • Visualverbs

    I’ve learned the hard way, too. The person who has what they NEED is a wealthy person INDEED.

    Especially in today’s out of control world.


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