I tracked how much time I spent managing my family's finances. What I found shocked me.

Aug 29, 2026 05:39 PM - 1 hour ago 2

the writer and her 3 kids

The writer spends astir 16 hours each period managing her family's finances. Courtesy of Katherine Frankowski

To amended understand which tasks were consuming my non-working hours, I tracked everything I did successful my disconnected hours for 1 month.

I was shocked to study really overmuch clip I spent managing my family's finances.

Coming to position pinch the size of the workload helps maine return pridefulness successful it—and admit its worth to my family.

<body>

A fewer months ago, I was emotion excessively busy, and I wanted to cognize why. I knew really galore hours I was giving to activity each day, but wherever precisely were my non-working hours going? I decided to way everything I did successful my weekday disconnected hours for 1 month. My astir astonishing finding? How overmuch clip I spent managing my family's finances.

It's an important but hidden role

Tracking my weekday disconnected hours confirmed immoderate things I already knew. For example, I knew I was spending a batch of clip shuttling my 3 school-age kids around. I besides knew that housekeeping, meal planning, and market shopping were taking up large chunks of time, too. But I didn't recognize really overmuch clip I was spending connected my family's financial health.

It's not that I didn't recognize I was the 1 paying the mortgage aliases monitoring the checking account. It's that I someway lacked a conscious knowing of how much clip these tasks collectively took — until I tallied up the hours.

I tracked my activities during my weekday disconnected hours successful 15-minute increments. At the extremity of the month, which was not different successful immoderate way, I tallied 16 hours of financial work. This intends I was spending astir 10% of my off-hours managing my family's finances. I checked the mathematics 3 times earlier I could judge it.

These tasks adhd up

How could I beryllium truthful unaware of really overmuch clip I was spending connected my family's financial health? One logic is that the activity consists of countless mini tasks: removing a copy in installments paper charge, search down the beneficiary shape for an aged 401(k), comparing security premiums. These tasks undoubtedly adhd up, but they are besides difficult to tally mentally.

Another logic I didn't recognize really overmuch clip I was giving to my family's financial wellness is that I usually do the activity alone. I break down our monthly spending alone. I cheque the balances connected our finance accounts alone. No 1 other ever really sees the financial activity I do for my family, truthful possibly it was easy for maine to not really spot it either.

Understanding the magnitude of activity was bittersweet

Getting my caput astir really overmuch clip I give to managing my family's finances was bittersweet. What if I'd spent those 16 hours exercising that month? Or hanging retired pinch friends? Time is precious, and I was giving much of it than I realized to our finances.

But astatine the aforesaid time, discovering the existent size of the occupation gave it a benignant of gravity, aliases importance, that helps maine return pridefulness successful the work. Yes, managing our finances takes existent time—but that's because it matters. Even the engaged activity matters.

When I look astatine the database of things I did that period to amended my family's financial health, I spot tracking, evaluating, forecasting — the activity of a CFO. So that's what I telephone myself now: my family's CFO. I dream readers who are doing this often-invisible but meaningful activity for their ain families will commencement moving pinch this title, too.

More