Pivoting in a Pandemic, Pivoting in Life

Well, we are coming up on a year of Covid-19 changing the world as we knew it. One word I think we have heard over and over during the pandemic is “pivot”. So many of us have had to pivot in our businesses, in our means of earning money, in our family care situations, and in a multitude of other areas that affect our every day lives.

Covid-19 forced me to go virtual with my workshops, classes, and one on one budgeting sessions. I had intentions to work on this in the near future but with Covid the near future became the immediate future. So I did it. I got out of my comfort zone of teaching in person and took to the virtual world. It ended up being one of the silver linings for me during Covid. I did not have time to think too hard about it- I just dove in and learned what I needed to learn. A year ago I barely knew how Zoom functioned- a lot can change in a year!

How Did You Pivot During The Pandemic?

How have you had to pivot during Covid-19? There are so many stories of resilience, recreating, and rethinking during Covid. I believe amidst the suffering and sickness there have also been many strides towards community and connectedness. Human beings are amazing- we have in less than a year restructured the way we do business. Now, I am not saying it has been a bed of roses, it has not, but we did it any way. The creativity, determination, and courage I have witnessed is inspiring. Just think what we will be able to accomplish once Covid-19 is under control.

The pandemic was an extreme and unexpected reason for pivoting. Yet, in regular life pivots also happen. When someone gets divorced, loses a job, has to care for an aging parent or sick loved one, or decides to move across the country or to a new country- pivoting and reinventing occur. This is part of the beauty of choosing your life and the direction it goes.

I do not want to lose the lessons I learned during the pandemic, I want to build on them. I plan to continue to immerse myself in nature, get centered, practice compassion, love fiercely, and teach Financial Literacy and Responsibility in a fun and engaging way. What has the pandemic taught you and what will you build on as we move into 2021 and hopefully say goodbye to Covid-19?

Friday Finance Fun

Please join me for Friday Finance Fun free live Zoom event on February 5th at 6pm EST. MoneyMaestra’s special guest is Melissa Frantz, the founder and owner of Event Village, an online marketplace for local artisanal goods. Our topic: Pivoting and Creating a Startup in a Pandemic. The registration link is below. Hope to see you there.


Susan, The MoneyMaestra

Susan Howell
Written by: Susan Howell, The MoneyMaestra.

Even though I grew up without money, I was able to retire at 50 based on my financial practices. I worked for the Federal Government for 26 years, with 6 of those years at the IRS and 20 at the Department of Justice, which included investigating many money-related cases.

I created MoneyMaestra to share what I know and to help people get on the path to Financial Freedom.


  1. Cheryl

    Pivoting is such a necessary skill in life, and I agree that the pandemic has brought it to the forefront. Before Covid I was traveling a lot for business. That came to a complete halt and our business has adapted with zoom calls and increased shipping of all the samples we used to process in person. This is actually a welcomed change for me.

    I think the most impactful pivot is in my mindset. Affirming that there is a lot of “stuff” in my life that can be trimmed away if necessary. I’m focused on what’s really important—health, my loved ones and doing my part to help heal this precious world we live in.

    • Susan Howell


      So well said. Yes, pivoting is such a necessary skill in life and the pandemic has shown us that in a big way. I agree with you on mindset pivot. I feel the same, the pandemic has made me really think about what is important in my life. My connection with nature has grown even deeper throughout the pandemic. Health, family, and friends are key for me- and enjoying the moments. I was also able to really focus on MoneyMaestra and creating the direction of my business.

  2. Christina

    I have always felt blessed, but nearly in a year into the pandemic , I am feeling more blessed than ever! Working from home and being forced into an empty calendar, has given me the opportunity to realize I am happiest when I am serving others. To that end my husband and I have started serious, targeted retirement planning so that my time will be freed up to help others in small but impactful ways sooner rather than later. This is a team effort for sure as we pivot toward our next chapter with clarity and a plan. And if plan A doesn’t work out, we know we can find a plan B!

    • Susan Howell


      Thanks for sharing that- what a great plan A! The pandemic has really given us time to stop and think about what is important. When you are clear on the goal- the path becomes clearer. The sooner you can start serious retirement planning the better. It is so refreshing to see both you and your husband working together towards your financial/retirement goals. Communication is key in dealing with money.


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