Music Mondays – Cups


Cups – When I’m Gone

I have a confession to make, I am a HUGE Pitch Perfect fan, and in honor of this Friday’s premiere of Pitch Perfect 2, I thought I would share the song Cups (When I’m Gone) which Anna Kendrick’s character, Beca, sang when she tried out for the Bellas. I downloaded this song not long after Pitch Perfect came out and I remember listening to it during one of my walks and imagining that my money was singing to me the chorus:

When I’m gone, when I’m gone

You’re gonna miss me when I’m gone

From that point on, I like to use this song as a reminder to me before I actually spend my money on something. For years, I mindlessly spent money on things and experiences without regard for my money, and now I look back on that period of my life with regret and realize that I do miss my money now that it’s gone. Just as the singer in this song is urging her lover to value her before she leaves, we need to value our money before it leaves our bank account.

Mindfulness is the Key

The best way to value our money before it leaves our bank account is to become mindful of it in the first place. Many of my clients have no idea how much money they spend in a given month. They have a general guess or they have a spreadsheet of what they should be spending; however, once I start tracking their spending, we realize that the actual numbers are very different from the guesses.

The reason why the perception and the reality are so far off is that they are not mindful of their spending. It’s easy to lose track when you swipe cards at every point of sale, and with each mindless swipe of the card, another dollar leaves your bank account never to be seen again. If you find yourself in this mindless swiping vicious cycle, you should switch to cash payments for a while. You may lose rewards points or other credit card benefits, but you will instantly become mindful of your money before it leaves your bank account.

What Else Will You Miss?

Last week both my blog site and my company site were hacked. I have a post coming up about that on Wednesday; however, the whole experience made me realize that I missed my site and it’s security while it was gone. It was a painful experience to miss my sites and discover that there was more I could have done to protect them.

Over the past week, I have performed a personal audit of all that is important to me with the intention of making sure that I am protecting and valuing everything as I should before it’s gone, and I encourage you to do the same thing. Sit down and write a list of all that’s important in your life and next to each person, place or thing, think about if you have done everything to protect if, and if not, put a plan in place for how you plan to safeguard it. This could involve insurance, savings strategies or behavior changes. Whatever the case may be, don’t wait another minute to protect what’s valuable to you, because you don’t want to miss it when it’s gone.

What would you miss if it were gone? Have you protected against that? Has your site ever been hacked? Are you as excited for Pitch Perfect 2 as I am?



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Shannon is a financial planner who left a “traditional” financial services firm to start her own company, The Financial Gym, because she felt traditional financial services firms did not have the tools or resources to help people in their 20s and 30s who are starting out and trying to build assets while also managing debt. She realized that the key to long-term personal financial success is a commitment to financial fitness and making smart financial choices. Through her blog, Financially Blonde, her book, Train Your Way To Financial Fitness, her podcast, Martinis and Your Money and The Financial Gym, Shannon is committed to making financial fitness fun, easy and accessible for everyone.


  1. My daughter loved Pitch Perfect. She is looking forward to the 2nd, she has plans to go see it with a group of her friends. Too many things to list that I would miss if they were gone, some of them can’t be protected so to speak. A good reminder to make sure you have things in order.

  2. “The best way to value our money before it leaves our bank account is to become mindful of it in the first place.” <– I may be a finance blogger, but I am no different than the average "spender" and I am completely guilty of not being mindful of the money in the account. This is why having a budgeting system is so helpful for me — it keeps me paying attention.

  3. Powerful post, Shannon! My old mortgage team and I talk on occasion about all of the money we made in the mortgage heyday, and about how we sure do wish we would’ve managed it differently. Even one year of managing it well would’ve meant a totally different financial pic for all of us.

  4. Loved that movie and that song. I downloaded it too and can play it on ukulele, but I want to learn the actual “cups” part. As I told you I would have freaked too if my site were hacked. One thing I’ve missed is when my email has been down for whatever reason. I feel cut off from the world.

  5. I hoped maybe you were on a fun trip last week. So sorry you got hacked. My Twitter account was hacked a while back and that was bad enough. The whole site would suck. I haven’t seen Pitch Perfect but will add that to my list. I think my daughter would like all the singing.

  6. I love the ties you’re able to make with song lyrics and money! Having an emergency fund popped into my mind while reading the last section. My site has never been hacked before, but it’s gone down for days at a time. It’s really frustrating and always good to have a backup plan ready to go. I like the idea of going through everything that matters to you and figuring out a way to protect it!

  7. I am so sorry your website got hacked. I cannot imagine what a huge pain that was for you. I always smile inside when people tell me that they religiously track their spending in their head. I’m sure they do, but as you said, most of the time, they are off by a lot. Mindful spending is key because you will miss money when it’s gone and it can go so quickly when you’re not paying attention.

  8. I heart Pitch Perfect, Shannon. Definitely looking forward to the sequel. I’m so sorry to hear about your websites. My site’s never been hacked, but I can only image how awful that much feel. Hopefully you’re feeling more secure now.

  9. I am rather embarrassed by how much I enjoy Pitch Perfect. I always watch it with my daughters to justify it. It’s for the kids after all. I’ll never listen to “When I’m Gone” the same way again : )

  10. Pitch Perfect is my wife’s favorite movie! She absolutely loves it.

    On a side note I did have some difficulty getting to your site last week, and I now know why. I freaked out every time my site was down due to BlueHost and I can’t imagine what it would be like to deal with getting hacked. I look forward to the posts that come out of this, though, and I’m sure you have some good advice on how to protect things that are important to you.

  11. “…become mindful of it in the first place.” That’s why paying with cash (and to a lesser extent a debit card) is so powerful. You know when your money is leaving. It’s too easy to lose track of it with credit.

  12. I love Pitch Perfect, too, though I haven´t actually been to the movies (in theatres) in years! It´s so expensive! We much prefer to download movies and just watch them in the comfort of our home. Because of this, though, I´m totally out of the loop with previews and what´s coming soon, sooo I didn´t even know there was a new Pitch Perfect out! I´ll have to look for it online!

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