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The first full decade of adulthood is an exciting time. With their teen years in the rearview mirror, 20-somethings get to experience a new sense of freedom and independence as they tackle the real world on their own. This time also comes with many overwhelming firsts, like entry-level jobs, big-ticket purchases, new living expenses, investments and debts.
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In 2017, a humble brasserie in Bourges, France, received its first Michelin star. The restaurant’s clientele of construction workers and locals struggled to get their regular seats as the Bouche à Oreille was overrun with demand for its (deeply satisfying) $15 homemade beef bourguignon.
Sadly, it turned out to be a mistake. The real winner of the star was the Boutervilliers Bouche à Oreille near Paris, and Michelin eventually corrected the mistake on their website. Asked whether she was disappointed to lose her Michelin star, chef Penelope Salmon replied, “no, not at all. I cook with my heart.”
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Spotify might just be the biggest star in 21st century music. But like any big star, everybody’s looking to see how Spotify spends its wealth.
“I’m not willing to contribute my life’s work to an experiment that I don’t feel fairly compensates the writers, producers, artists, and creators of this music,” says Taylor Swift – whose love-hate relationship with Spotify is well-documented. Damon from Galaxie 500 takes a more forensic approach: “Spotify… sent songwriting royalties of $1.05 for the 5,960 times our single “Tugboat” was played that quarter—split between the group’s three members, each of us had made 35 cents.”
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When did you first learn about money, and what were those lessons like? Your memories might include your first piggy bank or an allowance, conversations about saving and spending with your parents, or observing the adults in your life making their own financial decisions.
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There are plenty of books, radio programs, podcasts and TV shows that offer advice on how to achieve “financial freedom.” It sounds nice in theory, but it’s a difficult term to define. One person might imagine financial freedom as living a lavish, millionaire lifestyle, while another may consider not living paycheck-to-paycheck to be enough. If there isn’t a textbook definition for this term, why is it important, and how can you get there?
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When it comes to personal finances, it can be hard to describe how you’re doing and what you need. It’s easy to say “I’m not making enough money” or “I’m doing fine financially,” but that doesn’t shed light on what’s really going on. Can the cause of your financial woes truly be boiled down to the size of your paycheck, or are other factors, like debt and spending, weighing you down? Does “doing fine” mean that you’re “just getting by” with your money, or are you on a clear path to meet your financial goals?
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Let’s say you’re in dire need of cash. You might be struggling to work your way out of debt. Maybe you had an unexpected emergency with a big price tag. There’s a stash of cash available in your 401(k), but you’re technically supposed to save that money for retirement. Should you tap into your retirement savings if you really, really need it?
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Sometimes it’s difficult to spot the difference between good and bad advice. Amidst questionable suggestions from family and friends, contradicting web searches and the hundreds of “get rich fast” books at your local library, it can be especially hard to know what financial advice is worth your time.
In this blog, we’ll explore 11 common personal finance myths, clear up the misinformation and uncover the truth.
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If you’ve been searching for ideas on how to make additional cash through a side hustle, you’ve likely noticed that there are hundreds of ideas to choose from! Unfortunately, some freelancing and side work ideas aren’t incredibly lucrative, take more time than they’re worth, or are outright scams.
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If you’ve tried to create a budget in the past, you may have struggled with prioritizing your expenses. Needs like food, shelter and utilities are likely at the top of your list, but is a new pair of jeans more important than putting money towards your emergency fund? Should medical bills or car payments come before credit card debt? Is it okay to squeeze in a latte if you’re still paying down your college debt?
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