Tyler Smith

My Furnace Broke Down 🥶

Published about 1 year ago • 1 min read

My Furnace Broke Down

Do unexpected expenses ever derail your financial progress?

My furnace stopped working last week when it was 13° F outside.


As I awaited the diagnosis, I wondered how much it would cost and began to regret dipping into my emergency fund recently for some very, um...non-emergency purchases... 😬

I tried to play it cool as I asked the technician, "Worst case scenario, how much does it cost to replace the system?" I tried even harder to seem calm when I heard the answer. "Starts around $12,000."

I hadn't felt so nervous about affording something I urgently and unexpectedly needed for quite a while. It was a terrible feeling.

Look, it's not really fun to save for things like HVAC systems, broken pipes, or car repairs. But when we don't, we risk sacrificing our financial peace. My financial peace was interrupted by the mere thought of being out an unplanned twelve grand.

Fortunately, this incident ended up costing a couple hundred dollars instead of thousands. But it was a great reminder that it pays to sacrifice a little bit of fun now to prevent devastating setbacks in the future.

Dodged this bullet. We'll see what life has in store next.

Hopefully, I'll be better prepared.

Quote Of The Week

The fact of the matter is that successful people are accountable.

Brian P. Moran: The 12 Week Year​

Reading List

*Books stay on the list until I'm finished reading them. (This one's gonna be on here for a's like 2,000 pages long. But so good!

Something Fun

Hope you enjoyed these little tidbits. Hit reply to let me know how you've been and what's on your mind.


Please consider inviting someone you know to subscribe. ❤️

​Unsubscribe from Tyler Smith Consulting LLC. | Budget Coaching​

113 Cherry St #92768, Seattle, WA 98104

Tyler Smith

Helpful conversations.

Stories, insights, and encouragement from a coach and lifelong learner.

Read more from Tyler Smith

TYLER SMITH Hey friends, I've gained 30 pounds over the last few years. Somewhat disturbed by this, I recently decided to hire a coach to help me improve my health. Things have been going well. But then... Two weeks ago I went on a quick trip with my brother-in-law. We saw Jacob Collier perform at the Hollywood Bowl and returned home the very next day. In that short time, I managed to gain back nearly half the weight I'd lost over several months. This depressed me. How could a few days of...

8 months ago • 2 min read

Hey friends, One idea I've been thinking about lately is the more responsibility you assume, the more problems you face. A new relationship. A new child. A new pet. A new job. A new business. A new volunteer position. A new personal goal. A new home. A new hobby. Each enriches your life. Each brings new problems to solve. Sound familiar? This week I completed 78 items on my to do list. Each item represented a problem in my life. There were work problems: How to earn a promotion? How to...

9 months ago • 3 min read

A client and I had an insight this week as we chatted: we spend so much more in this life than our money. We also spend our time and our attention. We can spend our money, our time, and our attention in a “default” way, which tends to be the path of least resistance. Or, we can spend with intention. We use a budget to spend our money in alignment with our values. We use a calendar to spend our time in alignment with our values. We use a to-do list to spend our attention in alignment with our...

11 months ago • 1 min read
Share this post