Dreams and Student Loan Debt

May 9, 2019

What do you want to be when you grow up?  Me?  I don’t know, but I’ll let you know when I do finally grow up….. (imagine a rim shot here).  But seriously, it’s a big question that our kids are thinking about early on in their lives.  As most of us adults know, that will probably change over time, perhaps even mid-college degree.

A poll put out by Fatherly and the New York Times reported the top ten careers that kids want to do.  At the top of the list were doctor and veterinarian.  Great professions.  Very noble work.  A LOT of student loan debt.  After just a quick search online, I found those in each of these careers could VERY easily end up with over $100,000 in student loan debt.

That’s a new house. Read the rest of this entry »

Books To Teach Your Kids About Money

April 11, 2019

So, what is the right age to start teaching our kids about money?  Do we really even need to do that?  I mean, surely there is a class they will take at some point in time.  But if not, I guess we all deal with money so they’ll just figure it out.  Right?

Unfortunately, money management isn’t something our kids “will just figure out”.  Oh, they’ll learn it some day.  But what do you want them to learn?  There are a lot of different ways to handle money.  Some are definitely more positive than others.

How do we teach our kids about healthy money management?  You don’t have to figure it out on your own.  And it doesn’t even have to feel like a lecture.  There are some great children’s books out there that can help you teach your kids about money. Read the rest of this entry »

Debunking Financial Literacy Myths

April 4, 2019

“Hey, did you hear…..”

“Did you know that….”

“Somebody once told me…..” (insert the rest of the “All Star” lyrics by Smash Mouth here)

Yeah, aren’t we all experts?  Or, at least, we know an expert who is willing to impart their knowledge without even being asked.  But is that information really good information?

April is Financial Literacy Month.  “A whole MONTH devoted to financial literacy?” you wonder?  Why, yes, yes there is.  But why?  Well, because it needs at least that much attention.  As I am out doing financial literacy education, I come across a lot of different perspectives and opinions.  Unfortunately, too many of them are wrong.

So, to kick of Financial Literacy Month, let’s take a look at, and debunk, some of the incorrect financial literacy myths that are out there. Read the rest of this entry »

Swallowing Some Pride, Surviving Unemployment

March 14, 2019

“The Pink Slip”.  I don’t know of any employer that actually hands out pink colored paper anymore when they let employees go.  In fact, I’m not sure they’ve ever used pink colored paper to terminate employment.  And yet, it seems to be one of the more commonly known colloquialisms that are out here.

Regardless of what color they use to do it, surviving unemployment can be an incredibly daunting proposition.  Not only is there the perceived stigma of loosing your job, but the financial issues can quickly pile up. Read the rest of this entry »

Expected Unexpected

March 7, 2019

Life is good.  You have your plans, your schedule, your routine.  You know what is coming and are ready for it.  You have a six-month plan, a one-year plan, and a 5-year plan all laid out.  It may not always be easy going, but at least you know where you are going.

And then…. life happens.  It wasn’t in the plan.  You didn’t see it coming.  But none the less, it’s here and you have to deal with it.  Are you ready?  Are you even going to survive this? Read the rest of this entry »

Sittin’ In a Tree…..

February 28, 2019

So-and-So and So-and-So,
Sitting in a tree,
First comes love,
Then comes marriage,
Then comes the baby in a baby carriage.

Remember the days when that was the insult of all insults on the playground.  Even if you really did like the other person they paired you with, you certainly weren’t going to admit you liked them, let alone KISSING them!  Horror of horrors!

And then we got older.  I won’t say we grew up, because I think we’ve all done some dumb things in the name of love.  But we all did get older.  Suddenly the sound of kissing, marriage, and even kids doesn’t sound so bad.  After all, that’s what big people do, right? Read the rest of this entry »

I File, You File, We All File, Why File?

February 7, 2019

I’ve already stated my disdain for doing my taxes.  For whatever reason, I just dread doing them every year.  That said, I pretty much have everything put together and ready to go.  I just need to print out a few of the statements to have in the file.  Yes, my taxes will get done.  As much as I don’t like doing it, I will continue to do it every year.

It amazes me how many people I come across who question whether they should even bother with filing.  There are a lot of reasons why they question and we’ll take a look at some of the most common situations.

To start us off, “Why should I bother filing my income taxes?” Read the rest of this entry »

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