This level of overconsumption is organized hoarding!

01/16/26 - Friday

January 16, 2026

Hey friends đź‘‹

This week’s episode might be uncomfortable.

But it is also clarifying, freeing, and honestly… overdue.

We are talking about the kind of overconsumption that does not look messy or extreme on the surface. The kind that hides behind bins, labels, and shelves.

Because having less clutter does not always mean we are consuming less.

What we mean by “organized hoarding” 🧠

This episode is not about shaming anyone for having stuff. It is about naming a pattern many of us are stuck in without realizing it.

Things like:

  • Buying backups of things we barely use

  • Stockpiling “just in case” items that never get used

  • Decluttering and then rebuying the same category weeks later

  • Feeling anxious about running out, even when we clearly are not

When consumption is driven by aestheticism, fear, stress, or control instead of need or joy, organization alone does not solve the problem.

Why this matters for your money đź’¸

While very few people will get to the levels we highlight in the episode, it highlights the normalization of overconsumption and indulgent impulse spending.

Overconsumption rarely feels like overspending in the moment.

It feels like:

  • Being prepared

  • Being responsible

  • Collecting

But over time, it shows up as:

  • Money tied up in unused stuff

  • Crowded spaces that create mental noise

  • A constant sense of “I should stop spending” without knowing how

This episode helps connect the dots between clutter, anxiety, and spending habits in a way that’s compassionate and practical.

The real shift ✨

The goal is not minimalism.
It is not perfection.
And it is definitely not getting rid of everything you own.

It is learning how to:

  • Pause before buying “future you” items

  • Separate safety from stuff

  • Spend intentionally instead of reactively

When you change the why behind your purchases, the amount naturally follows.

Quick reminder: The 2026 Spending Planner is here đź“Š

If this episode has you rethinking your habits, this is a great moment to zoom out.

Our 2026 Spending Planner has officially been updated, and it is:

  • Simplified so it does not feel overwhelming

  • Unified so everything lives in one place

  • Streamlined for people who hate budget apps but do not want pen and paper

It is designed to help you see patterns clearly, not police yourself. And use code FRIENDS30 to get 30% off through Friday!

Are You Sick of Health Insurance? đź©ş

One area where intentional planning really matters is healthcare.

Health insurance isn’t right for everyone. Jill and I both use healthcare sharing. Jill uses HSA for America.

HSA For America helps individuals and families:

  • Find the right Health Savings Account and high deductible health plan

  • Understand how HSAs can lower taxes and build long-term savings

  • Get support instead of guessing when it comes to healthcare costs

If medical expenses feel confusing or stressful, this is a solid place to start learning your options.

Looking to lower your healthcare costs? **

Your takeaway this week đź’›

Overconsumption is not a personal failure.
It is often a coping mechanism that outlived its usefulness.

Awareness is the first step.
Compassion is the second.
And systems that support you come next.

Give the episode a listen when you’re ready. It might change how you see your stuff and your spending.

We’re always in your corner,
Jen and Jill

P.S. If this episode made you want to declutter or stop buying for a bit, start with curiosity, not rules. That is where lasting change begins 🌱

**Means this is a sponsored or affiliate section. We may earn a small fee or commission when you choose to try one of our sponsor or affiliate partners. But opinions are still 1000% our own.