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Posts by Kenneth Wells6

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I've lost my drive. What do I do? in Psychology ·
Harold Wilson5 said:I’m not quite sure where to begin this story.

Ever since I was a kid, I’ve always been ahead of the curve. School was honestly too easy for me—even through high school—so I would breeze through with straight A's without much effort. To keep things interesting and feed my ambition, I’d constantly push myself by entering competitions and taking on extra extracurricular activities.
Eventually, I decided to pursue a demanding university degree that would finally offer a real challenge and set the stage for a solid career path.
Back then, I had this clear vision of myself as a high-powered executive or running my own company.

Everything changed during my college years when my brother passed away suddenly. That was the turning point for me.
It was almost like a sudden realization hit me: so many things in life just aren't worth the stress. For instance, I stopped feeling guilty about postponing an exam or even failing one if I felt like it.
Even so, I managed to graduate on time and landed a great job.

At the same time, while we were always close, I found myself growing even closer to my parents. They mean the world to me, and now, I have a wonderful husband and our family life is incredibly harmonious.

Now, after five years on the job, I’m feeling something I’ve never felt before: complete burnout. Even though my job is dynamic and actually pretty cool, I feel like there just aren't enough hours in the day to enjoy my own life.
I suppose it’s a combination of
- the fact that nothing feels challenging enough anymore. I work way faster than my colleagues, so I'm left with a choice: either pull a double workload for the same pay, or spend half my shift surfing the web or reading, which eventually gets boring.
- my brother's passing and the realization that my happiest moments are spent with family and friends. Now, those eight hours at the office—plus the hour or so I spend commuting—feel like wasted time.
- the fact that my husband and I managed to get ahead of our finances early on, especially regarding our housing situation, so I don't have that crushing financial pressure forcing me to stay.
- the age gap at work; most of my colleagues are much older, so there isn't really any social buzz or grabbing drinks after work—it's just strictly showing up for eight hours and leaving.
- watching the bosses and owners grind for ten or more hours every single day, living in constant stress over monthly targets.

I caught myself thinking the other day that by my late thirties or early forties, I’d much rather work just four hours a day at a relaxed pace, maybe something remote, or even just retire early to focus on being present for my family, future children, and friends.
I honestly have no idea where that ambitious girl went—the one who wanted to be number one and a leader in her field.

I don't know what I want from this thread. Maybe I just need to vent, or perhaps I want to see if others have gone through this. Was this just a phase for you, or did it stick?

Given that nearly all your concerns revolve around your career, I would suggest that the wisest course of action is to find a new job.
If there is something else that brings you fulfillment, you should attempt to pursue it. As the saying goes—if you have a hobby that could be turned into a vocation, give it a try. That might even lead you toward starting your own company and becoming the boss.
If none of those paths appeal to you, and since you aren't facing any financial pressure, perhaps you could try working reduced hours or taking some time off entirely to see how it feels.
Life offers so much beyond one's career; time is a finite resource, and if you can spend it on something that truly brings you joy—you should do so.
Time Management and Productivity Tips in Psychology ·
Ronald Smith3 said:🤔

I’m looking for some advice from the pros—you know, the people who actually have their lives together and master time management... I want to know how you structure your day to juggle everything. For me, it’s balancing college with my other side hustles, plus there's the whole house chores, family, friends, working out, and trying to find time for self-improvement like reading or those deep-dive personal growth courses. Don't even get me started on healthy eating; I manage to whip up something decent once in a while, but that's about it 🤣

What does your daily, weekly, or even monthly schedule actually look like? Do you set big yearly goals? And honestly, how do you stay motivated on those days when everything feels impossible and just too much? If you fall off the wagon and miss a goal, how do you get back on track without losing your mind?
Do you swear by any specific methods—like that Eisenhower Matrix thing where you sort stuff by urgent vs. important? Also, how often do you see your family or friends, and how do you actually maintain those bonds? Do you ever get that feeling that if you say "no" to an outing, you're slowly drifting away, and then when you finally hang out again, you realize you have nothing left to talk about? And how often are we talking for housework?

I threw a lot of questions out there just to get the ball rolling, but I’d really love to hear from someone who truly believes they can achieve whatever they set their mind to. I know life isn't perfect and things go sideways... but I know there are people out there crushing their goals and living intentionally. I'd love to hear your wisdom 🎉

I strive to spend my time on things that either entertain me or serve a purpose. For example, sports, gaming, or watching movies—those are entertaining ways I spend my time. On the other hand, work, reading, or watching educational videos—those are useful. Things that are neither fun nor useful, such as reading newspapers or watching the news—I simply don't do those.

Every year, I set goals for the upcoming year, and throughout the year, I revisit them many times to reflect on how to achieve them. I am talking about roughly five to six significant (and attainable) goals.

On a smaller scale, I create a weekly plan. A weekly plan has proven to be the most effective method for me. A month is too long a period to plan everything with any real sense, whereas daily plans are really just simple to-do lists. Within a single week, one can find time for recreation, health, relationships, personal growth, or whatever else one deems necessary.

I intend to achieve every goal, and I believe that I will. That said—of course—I haven't achieved absolutely everything I have ever envisioned. However, that does not stop me from trying again, provided the goal remains relevant, or perhaps shifting my focus to something more pressing at the moment.
It strikes me as somewhat irrational—if not entirely reckless—that you seem to hold such little regard for anyone else's perspective, their lived experiences, or even just their general outlook on life. Is that truly how one functions? It is precisely through these external influences that we evolve as a society—by allowing others to help instill new values within us. After all, our parents guide us from childhood—teaching us what to do, what to avoid, and what constitutes decent behavior. Our entire identity is shaped by those outside influences during our formative years. What kind of world would we inhabit if, at any given stage, someone simply decided—"I no longer care what anyone else has to say"?
Consider this scenario: suppose we have Person A, who spends their time insulting and cursing everyone they encounter—completely indifferent to how others perceive their behavior.
Then there is Person B, who litters in public spaces, neglects basic hygiene on a subway, and refuses to wash—again, utterly unconcerned with the social impact of their actions.
Add to that the billions of other individuals who have cultivated various habits—good or bad—without the slightest interest in how those habits affect the community.
That does not sound remotely like a functional society—not compared to the one we currently navigate, where we have established certain socially acceptable standards thanks to the collective influence of those around us.

Regarding the lives of others... if you see someone doing better than you, you face a choice: you can succumb to envy, or you can let that serve as motivation to strive for a better life and improved circumstances yourself. If you see someone struggling more than you, you might feel a sense of smug satisfaction—or, perhaps more constructively, you could attempt to learn from them or offer assistance to improve their situation. Ultimately, it all depends on one's perspective—but I find it difficult to argue that it is necessary, or even beneficial, to claim that nothing matters except oneself.
John Grant2 said:Sorry in advance if this turns into a massive novel! I don't really post on these forums much, so clearly, my social skills have taken a bit of a hit 😁

So, I’m creeping up on 30, and my question is pretty straightforward: how do I become a more independent, self-assured person—someone my family can actually lean on?
I honestly never thought I’d be asking something like this at my age, but my twenties just kind of slipped by without delivering that whole "confidence boost" everyone talks about.

I’m not even sure how to start this story without sounding like a total drama queen. My family thinks I’m exaggerating, and if I’m being totally honest with myself, I know there isn't some huge catastrophe happening. I truly appreciate everything I have because I worked my tail off to get here, with plenty of support from my family along the way. I try my best to be kind to everyone, but man, I lose my patience so easily. I definitely have my flaws. If you asked my family, they’d probably tell you I’m a little spoiled. I have a solid job working overseas, I support myself completely, but since I don't have a husband or kids, I basically spend my entire paycheck on myself. Once I started earning my own way, I’ll admit I got a lot more comfortable, and now I just don't have the stomach for things I used to put up with back when I was financially dependent on them.

Here’s a recent example for you. This year, I’m vacationing at a family house out in the middle of nowhere—like, a tiny coastal town where there’s zero infrastructure. No running water, no post office, no banks, nothing. I came out here because the whole family is gathering (my brother lives abroad too), which is the sweet part. But the downside? This place is incredibly boring for someone who's single. There aren't any restaurants to go out to or bars to hang at; it’s mostly just families with little kids or older couples looking for peace and quiet. For instance, this summer we ran out of water because we all converged on one spot and the local reservoir couldn't handle it. Now, my mom is constantly lecturing me about how we use too much water or how we take too many showers. The thing is, I’m just done dealing with that kind of nagging. Don't get me wrong, I’m used to living with limited resources and I’m not out here wasting gallons, but after a long day in this heat, I just want to be able to rinse off with some soap and water, you know?
Am I a bad person if I find myself wanting to avoid coming here just because of these practical headaches?
On the flip side, I feel this heavy sense of duty to help my mom since she’s out here alone. There’s no one else around to help her with the heavy lifting or fixing things, but then again, my help feels useless because I have no clue how anything works in a place like this. Everything here runs on handshakes and "knowing a guy," rather than actual services you can rely on. So, my mom ends up looking at me like I'm clueless because I don't understand the basic daily rhythms of life here. It's just that I live in a different world where things function differently, and being here makes me feel totally ineffective. Nothing I’m used to works here.
Basically, I come here to see my family, but all these logistical hiccups just drive me crazy.
Mom is deeply attached to this house because it’s where her parents were born, and she pours everything into it. But honestly? I couldn't care less about this place, mostly because of the hassle—the water issues, the limited grocery options, even trying to find a repairman through some random acquaintance. As she gets older, she stays longer because she loves it—gardening, yard work, all that stuff. I just don't share that enthusiasm. And when we run out of water and I have to wash up with a bottle or take a "shower" in the ocean, it just frustrates me. I’d love to just head home, but I know everyone would judge me and think I’m being selfish and only thinking of myself.

Another issue: my family keeps calling me stingy. I get why they say that, though, because I’m used to watching every single penny. Part of it is just how things work where I live; there isn't this big culture of constant group treats and splitting bills the way it might be common in other places. The other part is that I live alone—no spouse, no extra safety net—so I feel like I have to guard my money and manage it perfectly. I know I overdo it sometimes, but having that cushion gives me a sense of security, knowing I can afford things and have a backup plan. I realize I go overboard, but I can't explain to them that it isn't about being cheap; it's about anxiety. I always have this nagging thought that I'm out there on my own and nobody is going to step in to help me except myself. Because of that, I stress out about everything, including money. I struggle to just relax and enjoy life. Ever since I was a kid, I've had this work ethic drilled into me—this idea that I have to provide for myself. And look, it's true. I don't want to blame my parents because they gave me everything I needed to succeed, but I wish they understood that my "flaws" aren't because I'm a bad person; they stem from feeling insecure and needing to control everything. Why am I like this? Who knows. Maybe it's just my personality, or maybe it's the circumstances, because growing up, we dealt with some financial uncertainty. Even though we weren't struggling—we could afford piano lessons and all that—I still remember those tense moments when the mood would shift because we were worried about making it to the end of the month. We never lacked the basics, but the fear was always there. To me, an empty bank account felt like a wall closing in. That’s why I’ve always known I had to pull my own weight. The favorite saying in our house was that I wasn't born a princess with a monthly allowance to fund my "artistic pursuits." (By the way, writing is my hobby. I haven't turned it into a career, but I do it independently and it doesn't bother anyone!) The point is: find a good, steady job, stay independent, and don't rely on anyone else.

Now that I’ve finally hit that point of financial independence, I’m actually feeling more insecure about myself than ever before. It’s kind of wild, right?

I really wish I could just sit my family down and explain that some of my flaws aren't because I'm a "bad person," but more like reactions to everything I've been through. I don't think they actually view me as a bad person, per se, but it feels like they only ever see this surface-level version of who I am.

Then there's this third thing—I've never really brought a boyfriend home, nor have I had those long-term, serious relationships. My family thinks I've just blown all my chances or that I’m constantly rejecting people because my standards are way too high. And look, I get why it looks that way from the outside, but I feel like nobody truly understands what's going on inside my head... for instance, my mom sees it as romantic whenever I go out with a guy, even if he's just a friend. She’d never admit it, obviously, but I can tell by how she reacts. To her, every outing is basically a date. So when I stop seeing a guy after a few weeks, in her mind, it’s just because I rejected him for being "not good enough."

Writing this out makes it sound so silly, honestly. Like, as an adult, I know I shouldn't care so much about what people think of my life, but at the same time, I just want someone I can talk to—really talk to—as an equal. Especially now that I'm grown up and should be able to have these one-on-one, mature conversations with my parents or siblings.
I just feel like I can't talk to anyone like a real person.
And that leaves me feeling incredibly insecure.
I mean, I'll admit, I *am* pretty demanding in certain ways. Moving toward intimacy too quickly is a massive hurdle for me, and because of that, potential partners usually just give up and run the other way.

I try to please everyone, and I just fail. All this insecurity bleeds into my private life—I don't have a partner, let alone a marriage or kids. I don't even feel capable of being a mother or looking after someone else. I've been sweeping my personal life under the rug for years; it's basically the source of my biggest fears. I just don't feel like the type of woman men gravitate toward, and I struggle to provide that level of intimacy or physical connection that everyone seems to crave. I can't even fake it, you know? I tried, but guys can always smell the act. After a couple of dates, once they realize it isn't genuine, they either bail or start acting insecure themselves—thinking maybe they aren't attractive enough for me—which isn't even the issue. I just can't explain it to anyone. Everyone thinks I'm exaggerating, which I guess might be true in a way, but I can't help it. They act like intimacy is just this spontaneous thing that happens naturally between a man and a woman.

So, I just stopped dating. Honestly, I know my "setup" is complicated, and most people just want a partner to enjoy life with—sex, closeness, daily routines, small talk, all of it. I totally respect that, so I decided I wouldn't hold anyone back.

But truthfully, I have no idea what to do with myself.
Who can I talk to openly as an individual, without being judged through the lens of being a daughter, a girlfriend, or a lover?
Sometimes I feel guilty for even thinking this way because my family isn't bad at all, and I'd hate for anyone to think they're terrible based on what I'm saying. Maybe I'm the problem—for them and for myself. I just can't be this "superwoman" like my mom was, working herself to the bone every single day just to put food on the table. Any bit of stress just knocks me completely off balance, making me feel even more unsure of myself, and then the panic sets in. How do you even change at this stage of life? What am I supposed to do? Where do I find a safe space where I can just figure out who I actually am?

Taking care of yourself—earning your own way and spending it on your own needs—has nothing to do with being spoiled. You aren't being indulgent; you are simply acknowledging that you have provided yourself with a more comfortable life through your own efforts. Is that not true? Is there anything else? Money is earned for a purpose—to alleviate life's burdens and to afford those small luxuries that bring genuine joy and relaxation. After all, isn't that what wealth is truly for?

John Grant2 said:Sorry in advance if this turns into a massive novel! I don't really post on these forums much, so clearly, my social skills have taken a bit of a hit 😁

So, I’m creeping up on 30, and my question is pretty straightforward: how do I become a more independent, self-assured person—someone my family can actually lean on?
I honestly never thought I’d be asking something like this at my age, but my twenties just kind of slipped by without delivering that whole "confidence boost" everyone talks about.

I’m not even sure how to start this story without sounding like a total drama queen. My family thinks I’m exaggerating, and if I’m being totally honest with myself, I know there isn't some huge catastrophe happening. I truly appreciate everything I have because I worked my tail off to get here, with plenty of support from my family along the way. I try my best to be kind to everyone, but man, I lose my patience so easily. I definitely have my flaws. If you asked my family, they’d probably tell you I’m a little spoiled. I have a solid job working overseas, I support myself completely, but since I don't have a husband or kids, I basically spend my entire paycheck on myself. Once I started earning my own way, I’ll admit I got a lot more comfortable, and now I just don't have the stomach for things I used to put up with back when I was financially dependent on them.

Here’s a recent example for you. This year, I’m vacationing at a family house out in the middle of nowhere—like, a tiny coastal town where there’s zero infrastructure. No running water, no post office, no banks, nothing. I came out here because the whole family is gathering (my brother lives abroad too), which is the sweet part. But the downside? This place is incredibly boring for someone who's single. There aren't any restaurants to go out to or bars to hang at; it’s mostly just families with little kids or older couples looking for peace and quiet. For instance, this summer we ran out of water because we all converged on one spot and the local reservoir couldn't handle it. Now, my mom is constantly lecturing me about how we use too much water or how we take too many showers. The thing is, I’m just done dealing with that kind of nagging. Don't get me wrong, I’m used to living with limited resources and I’m not out here wasting gallons, but after a long day in this heat, I just want to be able to rinse off with some soap and water, you know?
Am I a bad person if I find myself wanting to avoid coming here just because of these practical headaches?
On the flip side, I feel this heavy sense of duty to help my mom since she’s out here alone. There’s no one else around to help her with the heavy lifting or fixing things, but then again, my help feels useless because I have no clue how anything works in a place like this. Everything here runs on handshakes and "knowing a guy," rather than actual services you can rely on. So, my mom ends up looking at me like I'm clueless because I don't understand the basic daily rhythms of life here. It's just that I live in a different world where things function differently, and being here makes me feel totally ineffective. Nothing I’m used to works here.
Basically, I come here to see my family, but all these logistical hiccups just drive me crazy.
Mom is deeply attached to this house because it’s where her parents were born, and she pours everything into it. But honestly? I couldn't care less about this place, mostly because of the hassle—the water issues, the limited grocery options, even trying to find a repairman through some random acquaintance. As she gets older, she stays longer because she loves it—gardening, yard work, all that stuff. I just don't share that enthusiasm. And when we run out of water and I have to wash up with a bottle or take a "shower" in the ocean, it just frustrates me. I’d love to just head home, but I know everyone would judge me and think I’m being selfish and only thinking of myself.

Another issue: my family keeps calling me stingy. I get why they say that, though, because I’m used to watching every single penny. Part of it is just how things work where I live; there isn't this big culture of constant group treats and splitting bills the way it might be common in other places. The other part is that I live alone—no spouse, no extra safety net—so I feel like I have to guard my money and manage it perfectly. I know I overdo it sometimes, but having that cushion gives me a sense of security, knowing I can afford things and have a backup plan. I realize I go overboard, but I can't explain to them that it isn't about being cheap; it's about anxiety. I always have this nagging thought that I'm out there on my own and nobody is going to step in to help me except myself. Because of that, I stress out about everything, including money. I struggle to just relax and enjoy life. Ever since I was a kid, I've had this work ethic drilled into me—this idea that I have to provide for myself. And look, it's true. I don't want to blame my parents because they gave me everything I needed to succeed, but I wish they understood that my "flaws" aren't because I'm a bad person; they stem from feeling insecure and needing to control everything. Why am I like this? Who knows. Maybe it's just my personality, or maybe it's the circumstances, because growing up, we dealt with some financial uncertainty. Even though we weren't struggling—we could afford piano lessons and all that—I still remember those tense moments when the mood would shift because we were worried about making it to the end of the month. We never lacked the basics, but the fear was always there. To me, an empty bank account felt like a wall closing in. That’s why I’ve always known I had to pull my own weight. The favorite saying in our house was that I wasn't born a princess with a monthly allowance to fund my "artistic pursuits." (By the way, writing is my hobby. I haven't turned it into a career, but I do it independently and it doesn't bother anyone!) The point is: find a good, steady job, stay independent, and don't rely on anyone else.

Now that I’ve finally hit that point of financial independence, I’m actually feeling more insecure about myself than ever before. It’s kind of wild, right?

I really wish I could just sit my family down and explain that some of my flaws aren't because I'm a "bad person," but more like reactions to everything I've been through. I don't think they actually view me as a bad person, per se, but it feels like they only ever see this surface-level version of who I am.

Then there's this third thing—I've never really brought a boyfriend home, nor have I had those long-term, serious relationships. My family thinks I've just blown all my chances or that I’m constantly rejecting people because my standards are way too high. And look, I get why it looks that way from the outside, but I feel like nobody truly understands what's going on inside my head... for instance, my mom sees it as romantic whenever I go out with a guy, even if he's just a friend. She’d never admit it, obviously, but I can tell by how she reacts. To her, every outing is basically a date. So when I stop seeing a guy after a few weeks, in her mind, it’s just because I rejected him for being "not good enough."

Writing this out makes it sound so silly, honestly. Like, as an adult, I know I shouldn't care so much about what people think of my life, but at the same time, I just want someone I can talk to—really talk to—as an equal. Especially now that I'm grown up and should be able to have these one-on-one, mature conversations with my parents or siblings.
I just feel like I can't talk to anyone like a real person.
And that leaves me feeling incredibly insecure.
I mean, I'll admit, I *am* pretty demanding in certain ways. Moving toward intimacy too quickly is a massive hurdle for me, and because of that, potential partners usually just give up and run the other way.

I try to please everyone, and I just fail. All this insecurity bleeds into my private life—I don't have a partner, let alone a marriage or kids. I don't even feel capable of being a mother or looking after someone else. I've been sweeping my personal life under the rug for years; it's basically the source of my biggest fears. I just don't feel like the type of woman men gravitate toward, and I struggle to provide that level of intimacy or physical connection that everyone seems to crave. I can't even fake it, you know? I tried, but guys can always smell the act. After a couple of dates, once they realize it isn't genuine, they either bail or start acting insecure themselves—thinking maybe they aren't attractive enough for me—which isn't even the issue. I just can't explain it to anyone. Everyone thinks I'm exaggerating, which I guess might be true in a way, but I can't help it. They act like intimacy is just this spontaneous thing that happens naturally between a man and a woman.

So, I just stopped dating. Honestly, I know my "setup" is complicated, and most people just want a partner to enjoy life with—sex, closeness, daily routines, small talk, all of it. I totally respect that, so I decided I wouldn't hold anyone back.

But truthfully, I have no idea what to do with myself.
Who can I talk to openly as an individual, without being judged through the lens of being a daughter, a girlfriend, or a lover?
Sometimes I feel guilty for even thinking this way because my family isn't bad at all, and I'd hate for anyone to think they're terrible based on what I'm saying. Maybe I'm the problem—for them and for myself. I just can't be this "superwoman" like my mom was, working herself to the bone every single day just to put food on the table. Any bit of stress just knocks me completely off balance, making me feel even more unsure of myself, and then the panic sets in. How do you even change at this stage of life? What am I supposed to do? Where do I find a safe space where I can just figure out who I actually am?

You aren't obligated to satisfy everyone's every whim—is that not true? As someone once told me, you should prioritize your own people and offer them support. Be present as long as you truly wish—so they can see you, and you can see them—but please, know when to walk away. If it becomes overwhelming, cut it short. Go somewhere where you can actually find some peace and happiness—why endure something that simply doesn't sit right with you?

John Grant2 said:Sorry in advance if this turns into a massive novel! I don't really post on these forums much, so clearly, my social skills have taken a bit of a hit 😁

So, I’m creeping up on 30, and my question is pretty straightforward: how do I become a more independent, self-assured person—someone my family can actually lean on?
I honestly never thought I’d be asking something like this at my age, but my twenties just kind of slipped by without delivering that whole "confidence boost" everyone talks about.

I’m not even sure how to start this story without sounding like a total drama queen. My family thinks I’m exaggerating, and if I’m being totally honest with myself, I know there isn't some huge catastrophe happening. I truly appreciate everything I have because I worked my tail off to get here, with plenty of support from my family along the way. I try my best to be kind to everyone, but man, I lose my patience so easily. I definitely have my flaws. If you asked my family, they’d probably tell you I’m a little spoiled. I have a solid job working overseas, I support myself completely, but since I don't have a husband or kids, I basically spend my entire paycheck on myself. Once I started earning my own way, I’ll admit I got a lot more comfortable, and now I just don't have the stomach for things I used to put up with back when I was financially dependent on them.

Here’s a recent example for you. This year, I’m vacationing at a family house out in the middle of nowhere—like, a tiny coastal town where there’s zero infrastructure. No running water, no post office, no banks, nothing. I came out here because the whole family is gathering (my brother lives abroad too), which is the sweet part. But the downside? This place is incredibly boring for someone who's single. There aren't any restaurants to go out to or bars to hang at; it’s mostly just families with little kids or older couples looking for peace and quiet. For instance, this summer we ran out of water because we all converged on one spot and the local reservoir couldn't handle it. Now, my mom is constantly lecturing me about how we use too much water or how we take too many showers. The thing is, I’m just done dealing with that kind of nagging. Don't get me wrong, I’m used to living with limited resources and I’m not out here wasting gallons, but after a long day in this heat, I just want to be able to rinse off with some soap and water, you know?
Am I a bad person if I find myself wanting to avoid coming here just because of these practical headaches?
On the flip side, I feel this heavy sense of duty to help my mom since she’s out here alone. There’s no one else around to help her with the heavy lifting or fixing things, but then again, my help feels useless because I have no clue how anything works in a place like this. Everything here runs on handshakes and "knowing a guy," rather than actual services you can rely on. So, my mom ends up looking at me like I'm clueless because I don't understand the basic daily rhythms of life here. It's just that I live in a different world where things function differently, and being here makes me feel totally ineffective. Nothing I’m used to works here.
Basically, I come here to see my family, but all these logistical hiccups just drive me crazy.
Mom is deeply attached to this house because it’s where her parents were born, and she pours everything into it. But honestly? I couldn't care less about this place, mostly because of the hassle—the water issues, the limited grocery options, even trying to find a repairman through some random acquaintance. As she gets older, she stays longer because she loves it—gardening, yard work, all that stuff. I just don't share that enthusiasm. And when we run out of water and I have to wash up with a bottle or take a "shower" in the ocean, it just frustrates me. I’d love to just head home, but I know everyone would judge me and think I’m being selfish and only thinking of myself.

Another issue: my family keeps calling me stingy. I get why they say that, though, because I’m used to watching every single penny. Part of it is just how things work where I live; there isn't this big culture of constant group treats and splitting bills the way it might be common in other places. The other part is that I live alone—no spouse, no extra safety net—so I feel like I have to guard my money and manage it perfectly. I know I overdo it sometimes, but having that cushion gives me a sense of security, knowing I can afford things and have a backup plan. I realize I go overboard, but I can't explain to them that it isn't about being cheap; it's about anxiety. I always have this nagging thought that I'm out there on my own and nobody is going to step in to help me except myself. Because of that, I stress out about everything, including money. I struggle to just relax and enjoy life. Ever since I was a kid, I've had this work ethic drilled into me—this idea that I have to provide for myself. And look, it's true. I don't want to blame my parents because they gave me everything I needed to succeed, but I wish they understood that my "flaws" aren't because I'm a bad person; they stem from feeling insecure and needing to control everything. Why am I like this? Who knows. Maybe it's just my personality, or maybe it's the circumstances, because growing up, we dealt with some financial uncertainty. Even though we weren't struggling—we could afford piano lessons and all that—I still remember those tense moments when the mood would shift because we were worried about making it to the end of the month. We never lacked the basics, but the fear was always there. To me, an empty bank account felt like a wall closing in. That’s why I’ve always known I had to pull my own weight. The favorite saying in our house was that I wasn't born a princess with a monthly allowance to fund my "artistic pursuits." (By the way, writing is my hobby. I haven't turned it into a career, but I do it independently and it doesn't bother anyone!) The point is: find a good, steady job, stay independent, and don't rely on anyone else.

Now that I’ve finally hit that point of financial independence, I’m actually feeling more insecure about myself than ever before. It’s kind of wild, right?

I really wish I could just sit my family down and explain that some of my flaws aren't because I'm a "bad person," but more like reactions to everything I've been through. I don't think they actually view me as a bad person, per se, but it feels like they only ever see this surface-level version of who I am.

Then there's this third thing—I've never really brought a boyfriend home, nor have I had those long-term, serious relationships. My family thinks I've just blown all my chances or that I’m constantly rejecting people because my standards are way too high. And look, I get why it looks that way from the outside, but I feel like nobody truly understands what's going on inside my head... for instance, my mom sees it as romantic whenever I go out with a guy, even if he's just a friend. She’d never admit it, obviously, but I can tell by how she reacts. To her, every outing is basically a date. So when I stop seeing a guy after a few weeks, in her mind, it’s just because I rejected him for being "not good enough."

Writing this out makes it sound so silly, honestly. Like, as an adult, I know I shouldn't care so much about what people think of my life, but at the same time, I just want someone I can talk to—really talk to—as an equal. Especially now that I'm grown up and should be able to have these one-on-one, mature conversations with my parents or siblings.
I just feel like I can't talk to anyone like a real person.
And that leaves me feeling incredibly insecure.
I mean, I'll admit, I *am* pretty demanding in certain ways. Moving toward intimacy too quickly is a massive hurdle for me, and because of that, potential partners usually just give up and run the other way.

I try to please everyone, and I just fail. All this insecurity bleeds into my private life—I don't have a partner, let alone a marriage or kids. I don't even feel capable of being a mother or looking after someone else. I've been sweeping my personal life under the rug for years; it's basically the source of my biggest fears. I just don't feel like the type of woman men gravitate toward, and I struggle to provide that level of intimacy or physical connection that everyone seems to crave. I can't even fake it, you know? I tried, but guys can always smell the act. After a couple of dates, once they realize it isn't genuine, they either bail or start acting insecure themselves—thinking maybe they aren't attractive enough for me—which isn't even the issue. I just can't explain it to anyone. Everyone thinks I'm exaggerating, which I guess might be true in a way, but I can't help it. They act like intimacy is just this spontaneous thing that happens naturally between a man and a woman.

So, I just stopped dating. Honestly, I know my "setup" is complicated, and most people just want a partner to enjoy life with—sex, closeness, daily routines, small talk, all of it. I totally respect that, so I decided I wouldn't hold anyone back.

But truthfully, I have no idea what to do with myself.
Who can I talk to openly as an individual, without being judged through the lens of being a daughter, a girlfriend, or a lover?
Sometimes I feel guilty for even thinking this way because my family isn't bad at all, and I'd hate for anyone to think they're terrible based on what I'm saying. Maybe I'm the problem—for them and for myself. I just can't be this "superwoman" like my mom was, working herself to the bone every single day just to put food on the table. Any bit of stress just knocks me completely off balance, making me feel even more unsure of myself, and then the panic sets in. How do you even change at this stage of life? What am I supposed to do? Where do I find a safe space where I can just figure out who I actually am?

Your approach to finances is actually quite rational. You are mindful of your money—you don't want to waste it—and that isn't the same thing as being stingy. Stinginess would imply refusing to pay for anything, even for yourself or others, just to hoard cash; that simply makes no sense. Having a sense of financial security is a wonderful feeling, and it isn't something you should feel guilty about.

John Grant2 said:Sorry in advance if this turns into a massive novel! I don't really post on these forums much, so clearly, my social skills have taken a bit of a hit 😁

So, I’m creeping up on 30, and my question is pretty straightforward: how do I become a more independent, self-assured person—someone my family can actually lean on?
I honestly never thought I’d be asking something like this at my age, but my twenties just kind of slipped by without delivering that whole "confidence boost" everyone talks about.

I’m not even sure how to start this story without sounding like a total drama queen. My family thinks I’m exaggerating, and if I’m being totally honest with myself, I know there isn't some huge catastrophe happening. I truly appreciate everything I have because I worked my tail off to get here, with plenty of support from my family along the way. I try my best to be kind to everyone, but man, I lose my patience so easily. I definitely have my flaws. If you asked my family, they’d probably tell you I’m a little spoiled. I have a solid job working overseas, I support myself completely, but since I don't have a husband or kids, I basically spend my entire paycheck on myself. Once I started earning my own way, I’ll admit I got a lot more comfortable, and now I just don't have the stomach for things I used to put up with back when I was financially dependent on them.

Here’s a recent example for you. This year, I’m vacationing at a family house out in the middle of nowhere—like, a tiny coastal town where there’s zero infrastructure. No running water, no post office, no banks, nothing. I came out here because the whole family is gathering (my brother lives abroad too), which is the sweet part. But the downside? This place is incredibly boring for someone who's single. There aren't any restaurants to go out to or bars to hang at; it’s mostly just families with little kids or older couples looking for peace and quiet. For instance, this summer we ran out of water because we all converged on one spot and the local reservoir couldn't handle it. Now, my mom is constantly lecturing me about how we use too much water or how we take too many showers. The thing is, I’m just done dealing with that kind of nagging. Don't get me wrong, I’m used to living with limited resources and I’m not out here wasting gallons, but after a long day in this heat, I just want to be able to rinse off with some soap and water, you know?
Am I a bad person if I find myself wanting to avoid coming here just because of these practical headaches?
On the flip side, I feel this heavy sense of duty to help my mom since she’s out here alone. There’s no one else around to help her with the heavy lifting or fixing things, but then again, my help feels useless because I have no clue how anything works in a place like this. Everything here runs on handshakes and "knowing a guy," rather than actual services you can rely on. So, my mom ends up looking at me like I'm clueless because I don't understand the basic daily rhythms of life here. It's just that I live in a different world where things function differently, and being here makes me feel totally ineffective. Nothing I’m used to works here.
Basically, I come here to see my family, but all these logistical hiccups just drive me crazy.
Mom is deeply attached to this house because it’s where her parents were born, and she pours everything into it. But honestly? I couldn't care less about this place, mostly because of the hassle—the water issues, the limited grocery options, even trying to find a repairman through some random acquaintance. As she gets older, she stays longer because she loves it—gardening, yard work, all that stuff. I just don't share that enthusiasm. And when we run out of water and I have to wash up with a bottle or take a "shower" in the ocean, it just frustrates me. I’d love to just head home, but I know everyone would judge me and think I’m being selfish and only thinking of myself.

Another issue: my family keeps calling me stingy. I get why they say that, though, because I’m used to watching every single penny. Part of it is just how things work where I live; there isn't this big culture of constant group treats and splitting bills the way it might be common in other places. The other part is that I live alone—no spouse, no extra safety net—so I feel like I have to guard my money and manage it perfectly. I know I overdo it sometimes, but having that cushion gives me a sense of security, knowing I can afford things and have a backup plan. I realize I go overboard, but I can't explain to them that it isn't about being cheap; it's about anxiety. I always have this nagging thought that I'm out there on my own and nobody is going to step in to help me except myself. Because of that, I stress out about everything, including money. I struggle to just relax and enjoy life. Ever since I was a kid, I've had this work ethic drilled into me—this idea that I have to provide for myself. And look, it's true. I don't want to blame my parents because they gave me everything I needed to succeed, but I wish they understood that my "flaws" aren't because I'm a bad person; they stem from feeling insecure and needing to control everything. Why am I like this? Who knows. Maybe it's just my personality, or maybe it's the circumstances, because growing up, we dealt with some financial uncertainty. Even though we weren't struggling—we could afford piano lessons and all that—I still remember those tense moments when the mood would shift because we were worried about making it to the end of the month. We never lacked the basics, but the fear was always there. To me, an empty bank account felt like a wall closing in. That’s why I’ve always known I had to pull my own weight. The favorite saying in our house was that I wasn't born a princess with a monthly allowance to fund my "artistic pursuits." (By the way, writing is my hobby. I haven't turned it into a career, but I do it independently and it doesn't bother anyone!) The point is: find a good, steady job, stay independent, and don't rely on anyone else.

Now that I’ve finally hit that point of financial independence, I’m actually feeling more insecure about myself than ever before. It’s kind of wild, right?

I really wish I could just sit my family down and explain that some of my flaws aren't because I'm a "bad person," but more like reactions to everything I've been through. I don't think they actually view me as a bad person, per se, but it feels like they only ever see this surface-level version of who I am.

Then there's this third thing—I've never really brought a boyfriend home, nor have I had those long-term, serious relationships. My family thinks I've just blown all my chances or that I’m constantly rejecting people because my standards are way too high. And look, I get why it looks that way from the outside, but I feel like nobody truly understands what's going on inside my head... for instance, my mom sees it as romantic whenever I go out with a guy, even if he's just a friend. She’d never admit it, obviously, but I can tell by how she reacts. To her, every outing is basically a date. So when I stop seeing a guy after a few weeks, in her mind, it’s just because I rejected him for being "not good enough."

Writing this out makes it sound so silly, honestly. Like, as an adult, I know I shouldn't care so much about what people think of my life, but at the same time, I just want someone I can talk to—really talk to—as an equal. Especially now that I'm grown up and should be able to have these one-on-one, mature conversations with my parents or siblings.
I just feel like I can't talk to anyone like a real person.
And that leaves me feeling incredibly insecure.
I mean, I'll admit, I *am* pretty demanding in certain ways. Moving toward intimacy too quickly is a massive hurdle for me, and because of that, potential partners usually just give up and run the other way.

I try to please everyone, and I just fail. All this insecurity bleeds into my private life—I don't have a partner, let alone a marriage or kids. I don't even feel capable of being a mother or looking after someone else. I've been sweeping my personal life under the rug for years; it's basically the source of my biggest fears. I just don't feel like the type of woman men gravitate toward, and I struggle to provide that level of intimacy or physical connection that everyone seems to crave. I can't even fake it, you know? I tried, but guys can always smell the act. After a couple of dates, once they realize it isn't genuine, they either bail or start acting insecure themselves—thinking maybe they aren't attractive enough for me—which isn't even the issue. I just can't explain it to anyone. Everyone thinks I'm exaggerating, which I guess might be true in a way, but I can't help it. They act like intimacy is just this spontaneous thing that happens naturally between a man and a woman.

So, I just stopped dating. Honestly, I know my "setup" is complicated, and most people just want a partner to enjoy life with—sex, closeness, daily routines, small talk, all of it. I totally respect that, so I decided I wouldn't hold anyone back.

But truthfully, I have no idea what to do with myself.
Who can I talk to openly as an individual, without being judged through the lens of being a daughter, a girlfriend, or a lover?
Sometimes I feel guilty for even thinking this way because my family isn't bad at all, and I'd hate for anyone to think they're terrible based on what I'm saying. Maybe I'm the problem—for them and for myself. I just can't be this "superwoman" like my mom was, working herself to the bone every single day just to put food on the table. Any bit of stress just knocks me completely off balance, making me feel even more unsure of myself, and then the panic sets in. How do you even change at this stage of life? What am I supposed to do? Where do I find a safe space where I can just figure out who I actually am?

Just don't force yourself to be someone you aren't. If you do, you won't build a successful relationship; eventually, your true self will emerge, and everything will fall apart. Therefore, be yourself and act in the way that feels most comfortable to you. You don't owe anyone anything. Furthermore, people who engage in intimacy after only one or two dates aren't necessarily in happy relationships at your age. They might face the exact same struggles; it doesn't always correlate. Surely there are men out there with whom you will click—men who will actually understand you.

John Grant2 said:Sorry in advance if this turns into a massive novel! I don't really post on these forums much, so clearly, my social skills have taken a bit of a hit 😁

So, I’m creeping up on 30, and my question is pretty straightforward: how do I become a more independent, self-assured person—someone my family can actually lean on?
I honestly never thought I’d be asking something like this at my age, but my twenties just kind of slipped by without delivering that whole "confidence boost" everyone talks about.

I’m not even sure how to start this story without sounding like a total drama queen. My family thinks I’m exaggerating, and if I’m being totally honest with myself, I know there isn't some huge catastrophe happening. I truly appreciate everything I have because I worked my tail off to get here, with plenty of support from my family along the way. I try my best to be kind to everyone, but man, I lose my patience so easily. I definitely have my flaws. If you asked my family, they’d probably tell you I’m a little spoiled. I have a solid job working overseas, I support myself completely, but since I don't have a husband or kids, I basically spend my entire paycheck on myself. Once I started earning my own way, I’ll admit I got a lot more comfortable, and now I just don't have the stomach for things I used to put up with back when I was financially dependent on them.

Here’s a recent example for you. This year, I’m vacationing at a family house out in the middle of nowhere—like, a tiny coastal town where there’s zero infrastructure. No running water, no post office, no banks, nothing. I came out here because the whole family is gathering (my brother lives abroad too), which is the sweet part. But the downside? This place is incredibly boring for someone who's single. There aren't any restaurants to go out to or bars to hang at; it’s mostly just families with little kids or older couples looking for peace and quiet. For instance, this summer we ran out of water because we all converged on one spot and the local reservoir couldn't handle it. Now, my mom is constantly lecturing me about how we use too much water or how we take too many showers. The thing is, I’m just done dealing with that kind of nagging. Don't get me wrong, I’m used to living with limited resources and I’m not out here wasting gallons, but after a long day in this heat, I just want to be able to rinse off with some soap and water, you know?
Am I a bad person if I find myself wanting to avoid coming here just because of these practical headaches?
On the flip side, I feel this heavy sense of duty to help my mom since she’s out here alone. There’s no one else around to help her with the heavy lifting or fixing things, but then again, my help feels useless because I have no clue how anything works in a place like this. Everything here runs on handshakes and "knowing a guy," rather than actual services you can rely on. So, my mom ends up looking at me like I'm clueless because I don't understand the basic daily rhythms of life here. It's just that I live in a different world where things function differently, and being here makes me feel totally ineffective. Nothing I’m used to works here.
Basically, I come here to see my family, but all these logistical hiccups just drive me crazy.
Mom is deeply attached to this house because it’s where her parents were born, and she pours everything into it. But honestly? I couldn't care less about this place, mostly because of the hassle—the water issues, the limited grocery options, even trying to find a repairman through some random acquaintance. As she gets older, she stays longer because she loves it—gardening, yard work, all that stuff. I just don't share that enthusiasm. And when we run out of water and I have to wash up with a bottle or take a "shower" in the ocean, it just frustrates me. I’d love to just head home, but I know everyone would judge me and think I’m being selfish and only thinking of myself.

Another issue: my family keeps calling me stingy. I get why they say that, though, because I’m used to watching every single penny. Part of it is just how things work where I live; there isn't this big culture of constant group treats and splitting bills the way it might be common in other places. The other part is that I live alone—no spouse, no extra safety net—so I feel like I have to guard my money and manage it perfectly. I know I overdo it sometimes, but having that cushion gives me a sense of security, knowing I can afford things and have a backup plan. I realize I go overboard, but I can't explain to them that it isn't about being cheap; it's about anxiety. I always have this nagging thought that I'm out there on my own and nobody is going to step in to help me except myself. Because of that, I stress out about everything, including money. I struggle to just relax and enjoy life. Ever since I was a kid, I've had this work ethic drilled into me—this idea that I have to provide for myself. And look, it's true. I don't want to blame my parents because they gave me everything I needed to succeed, but I wish they understood that my "flaws" aren't because I'm a bad person; they stem from feeling insecure and needing to control everything. Why am I like this? Who knows. Maybe it's just my personality, or maybe it's the circumstances, because growing up, we dealt with some financial uncertainty. Even though we weren't struggling—we could afford piano lessons and all that—I still remember those tense moments when the mood would shift because we were worried about making it to the end of the month. We never lacked the basics, but the fear was always there. To me, an empty bank account felt like a wall closing in. That’s why I’ve always known I had to pull my own weight. The favorite saying in our house was that I wasn't born a princess with a monthly allowance to fund my "artistic pursuits." (By the way, writing is my hobby. I haven't turned it into a career, but I do it independently and it doesn't bother anyone!) The point is: find a good, steady job, stay independent, and don't rely on anyone else.

Now that I’ve finally hit that point of financial independence, I’m actually feeling more insecure about myself than ever before. It’s kind of wild, right?

I really wish I could just sit my family down and explain that some of my flaws aren't because I'm a "bad person," but more like reactions to everything I've been through. I don't think they actually view me as a bad person, per se, but it feels like they only ever see this surface-level version of who I am.

Then there's this third thing—I've never really brought a boyfriend home, nor have I had those long-term, serious relationships. My family thinks I've just blown all my chances or that I’m constantly rejecting people because my standards are way too high. And look, I get why it looks that way from the outside, but I feel like nobody truly understands what's going on inside my head... for instance, my mom sees it as romantic whenever I go out with a guy, even if he's just a friend. She’d never admit it, obviously, but I can tell by how she reacts. To her, every outing is basically a date. So when I stop seeing a guy after a few weeks, in her mind, it’s just because I rejected him for being "not good enough."

Writing this out makes it sound so silly, honestly. Like, as an adult, I know I shouldn't care so much about what people think of my life, but at the same time, I just want someone I can talk to—really talk to—as an equal. Especially now that I'm grown up and should be able to have these one-on-one, mature conversations with my parents or siblings.
I just feel like I can't talk to anyone like a real person.
And that leaves me feeling incredibly insecure.
I mean, I'll admit, I *am* pretty demanding in certain ways. Moving toward intimacy too quickly is a massive hurdle for me, and because of that, potential partners usually just give up and run the other way.

I try to please everyone, and I just fail. All this insecurity bleeds into my private life—I don't have a partner, let alone a marriage or kids. I don't even feel capable of being a mother or looking after someone else. I've been sweeping my personal life under the rug for years; it's basically the source of my biggest fears. I just don't feel like the type of woman men gravitate toward, and I struggle to provide that level of intimacy or physical connection that everyone seems to crave. I can't even fake it, you know? I tried, but guys can always smell the act. After a couple of dates, once they realize it isn't genuine, they either bail or start acting insecure themselves—thinking maybe they aren't attractive enough for me—which isn't even the issue. I just can't explain it to anyone. Everyone thinks I'm exaggerating, which I guess might be true in a way, but I can't help it. They act like intimacy is just this spontaneous thing that happens naturally between a man and a woman.

So, I just stopped dating. Honestly, I know my "setup" is complicated, and most people just want a partner to enjoy life with—sex, closeness, daily routines, small talk, all of it. I totally respect that, so I decided I wouldn't hold anyone back.

But truthfully, I have no idea what to do with myself.
Who can I talk to openly as an individual, without being judged through the lens of being a daughter, a girlfriend, or a lover?
Sometimes I feel guilty for even thinking this way because my family isn't bad at all, and I'd hate for anyone to think they're terrible based on what I'm saying. Maybe I'm the problem—for them and for myself. I just can't be this "superwoman" like my mom was, working herself to the bone every single day just to put food on the table. Any bit of stress just knocks me completely off balance, making me feel even more unsure of myself, and then the panic sets in. How do you even change at this stage of life? What am I supposed to do? Where do I find a safe space where I can just figure out who I actually am?


You are far too hard on yourself—constantly listing your flaws and insisting that you are the source of the problem—while simultaneously insisting you aren't ungrateful for everything you possess. In truth, the issue lies within your original title: self-confidence.
You are an independent woman carving out your own path; what you have accomplished thus far is a significant success. Surely there are many other areas of your life where you can find reason to be proud? By fixating on the imperfections, you are simply preventing yourself from building that necessary confidence. Focus instead on the positive—on your achievements and your strengths. You must advocate for yourself and believe in your own worth—in every arena, whether it be family, friends, your career, or your relationships...
How to build self-esteem? in Psychology & Therapy ·
I am not entirely sure—but if you allow someone to insult you, I suspect it will only further erode your self-esteem. It becomes a cycle of thought—an endless loop where one thinks, "well, they must be insulting me because I deserve it, because I am nothing..." a truly vicious circle.
If you offer something to another person, you have every right to expect something in return. If someone lacks respect for you, then they simply have no place in your life.

However, there is truth in the old adage—to receive respect from others, one must first establish respect for oneself.
Consider your positive attributes. Write them down—then read them occasionally. Reflect on everything you have accomplished thus far. Think about what you have learned, and the relationships and friendships you have built and maintained. You are half of those connections; therefore, you are responsible for their existence.
Try to remain positive—think positively. Begin by believing in yourself. Do not start with the idea of finding the perfect partner for a flawless relationship—that requires another person, after all. Instead, start with simple things you can achieve on your own. When you feel uncertain about whether you can do something or if you will succeed, say to yourself, "I can, and of course, I will." Repeat this to yourself. Remember when you conquered something else difficult. Try to cultivate a positive mindset. Positivity can work wonders.

If you maintain a positive outlook and recognize your inherent strengths and merits, you will find that your confidence and self-respect follow.
Chase Student Starter Pack in Banking, Insurance & Loans ·
slyrider5 said:So, I’ve been using this student banking package and that overdraft limit for a few years now, but I have a couple of questions:
1. I’m turning 25 this year and finishing up my degree—do I need to do anything specific about this account once I graduate? I know I definitely will, but what does that actually look like? Like, do I need to physically head down to a JPMorgan Chase branch to sort it out?
2. What happens once the student perks "expire"? Does the bank just upgrade me to a standard account or something similar? Basically, what changes? I probably won't land a full-time job immediately after graduation; it’s more likely going to be an internship first... Regarding my current setup, I have the standard checking, mobile banking, and debit cards, plus an American Express card that's still sitting sealed in its envelope. I don't plan on using the Amex until I have a steady paycheck, because I really don't want to rack up debt without a reliable income. For now, just having the checking account works fine.
3. Right now, I’m running about $267 in the red—I pay it off, spend it again, and just keep circling through it, lol. But I’ll likely need to pay for a minor medical procedure soon that will cost a few hundred dollars, and they offer a payment plan. My question is, can I still put that on a payment plan using my existing $333 overdraft limit, even though my checking account is already negative? Specifically, do I need to have a certain amount of cushion in the account during the months they pull the payments, or do I need to clear my current $0.00 deficit before I can qualify for installments? And how many monthly payments am I even allowed to spread a cost over with this kind of account?

Hopefully, that all makes sense... Thanks in advance!

1. You don't necessarily have to do anything; you could simply wait until you turn 27 and continue paying $1.75 per month for that package. Officially, you should report the change, but no one is going to knock on your door. I know plenty of people who just waited until their 27th birthday, at which point the package expires automatically.
2. There is no upgrade. 🙂 You simply start paying the standard rates for all your services. This will be significantly higher than $1.75. For instance, the checking account might be $2.25 monthly, while mobile and online banking could be $4.75 monthly, etc. You can select the specific services you need and coordinate with the bank to cancel anything unnecessary.
3. As for the overdraft limits, I have no idea, so I cannot assist there. 🙂