You go through school, leaving with a diploma or degree, but are worried about your financial future. You weren't taught how to budget, do taxes, save and invest money, or pay off your debt. You don't have much money so you have to be extra careful with how you use it.
This is the current reality for many young adults, but it doesn't have to be. Host Grant Gardner dives into the basic fundamentals of personal finance and discusses how to not only avoid the common mistakes, but overcome them to enhance your financial position.
More information available at: https://capitaladulting.com/
Oftentimes, the financial conversation centers around the individuals who aren't responsible with their resources, but that overlooks another group: Those who are "over-savers", or folks who are worried about not having enough. They tend to be ultra-conservative financially and often shortchange the enjoyment they could have in life by being overly future focused.
If that's you, today's episode is for you. It's not bad to save/be protective in general, but remember, money is designed to help you live life, not drive you to live for money!
8 Apr 2024
32. Is the American Dream Dead?
A recent WSJ survey indicated that Gen Z considers themselves the most hopeless generation in recorded American history. A significant portion of respondents answered no when asked if they thought their lives would be better than their parents.
In a slightly different style episode, I delve further into the current mental state of young Americans, the reasons to feel hopeless, but more importantly, the compelling case for why we should be more hopeful than ever. While certain things are more difficult, the reality is there has never been more opportunity to find success than there is today. It takes creative thinking and hard work, but a path to achieving our goals in modern day America is available. On top of that, it's easier than ever for each of us to find "success" in a way that's meaningful at the individual level, rather than trying to match a societal stereotype.
Give it a listen and take some time to think through how you can capitalize on the opportunities in your life today.
21 Mar 2024
31. Laid Off? How to Survive Financial Disasters
There's a lot of doom and gloom on the news today: Despite strong economic signs, layoffs are happening, inflation is stabilizing higher, and folks feel generally discouraged. While life is extremely unpredictable, there are clear steps to start taking today to protect yourself from any downside risk.
In today's episode, I dive into some general ideas/tips on ensuring you're well-positioned to weather unexpected financial crises. The most important component is being proactive and planning ahead. When a disaster occurs, it's too late to make the changes necessary to stay afloat. While it requires discipline and sacrifice, it's critical to make prudent financial decisions today to build your own safety net for the future.
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Apple Podcasts (US)
5.0 / 5
3 ratings
Spotify
5.0 / 5
4 ratings
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