Let’s Talk About Personal Finance
Personal finance isn’t inherently fun, but it can be rewarding. I remember the rush I felt the first time my credit score increased. I like knowing my actions are going to help me in the future. As I say “Money is a vehicle, it helps us reach our goals”. So, I consider money to be a tool, hopefully, a tool you and I can use strategically.
I grew up in a working-class family, so I’ve always valued a good discount. But, as I get older I realize there are more lessons and methods I need to start using in order to live a fulfilling life. I’m a millennial, but according to Pew Research, I’m right at the cutoff. What this means is I remember dial-up internet and the War on Terror. At the same time, I don’t have all the shared experiences older millennials do. However, I do remember the recession. A lot of these memories have shaped my opinion of money, finances, housing, and careers. I think millennials have less faith in the safety nets previous generations were able to rely on. Overall, we’ve seen minimum wage remain constant, while our expenses increase every year. The quality of products isn’t what they used to be. Healthcare is expensive, even with insurance. The price of higher education increases every year and many employers still expect at a minimum a bachelors degree and 2-3 years of experience for entry-level jobs. Dollars just don’t stretch the way they used to and younger generations suffer because of it.
I will admit, I’m a bit cynical and protective by nature. But I want to invite you to be optimistic with me about our lives for a minute. To think of a world where we have enough money, where work is rewarding and healthy. Where we’re able to enjoy our personal lives and indulge in our hobbies. Where education, healthcare, and housing are accessible for all. Yes, a world some older people tell us is unrealistic and impossible.
Money makes the world go round and it’s time for us to have candid conversations about our personal finances. But, money isn’t just money, and we owe it to ourselves to explore how the different aspects of our life impact our perceptions and advantages. So, I decided to call it “The Money Talks Series”.
