Tanya Kowalski
Contributor
Tanya Kowalski is a medical billing specialist, part-time restaurant server, and single mother to a 9-year-old daughter in Phoenix, Arizona. With exactly 90 minutes of free time per day (she's counted), Tanya has zero patience for parenting advice that requires hours of weekly commitment. Her writing focuses ruthlessly on efficiency: financial education systems that work when you're exhausted, stretched thin, and don't have the luxury of 'family money meetings.' As a former restaurant manager who understands time scarcity at a molecular level, Tanya creates content for parents who need 'good enough' solutions that actually fit into real life—not idealized versions of family time that don't exist.
Specialties
Articles by Tanya
The 15-Minute Money System (Because You Don't Have Time for Anything Else)
I have 90 minutes of free time per day. Total. So when I read parenting advice that starts with 'sit down with your child for a weekly 30-minute money meeting,' I laugh until I cry. I don't have 30 minutes. I don't even have 15 minutes most days. But I still want my daughter to learn about money. Here's what actually works.
December 12, 2024
The $5 Rule: How I Taught My Daughter to Save Without Thinking About It
I don't have time for envelope systems or spreadsheets. I work two jobs and barely have time to breathe. But my 9-year-old has saved $847 in eight months using one stupidly simple rule: Every time she gets money, $5 goes to savings first. That's it. That's the whole system. Here's why it works.
October 28, 2024