The time has indeed come. 

I could wax philosophical about the time I’ve spent away from discussing finances, financial goals, and financial freedom, and how it has been symbolic of the general chaos that has befallen much of our lives since the last time I posted in our Facebook group Common Cents, which was mid-February, but that would be dishonest. 

As I shared even before March 2020, I felt I had fallen off a path of chosen frugality and financial goals. Some of it was mindless, as we ...