Not all parents/guardians are fit to teach their kids about finances. Mine definitely weren’t. Growing up it was always “this is good life Partaite Mais Je Suis Une Nathalie Et C’est Presque Shirt our mistakes.” But just because I could identify specific bad behavior didn’t mean I knew what I should do as an adult on my own. Having an adult who could say, try to put X amount of each paycheck in savings, etc would have been wonderful. My first job out of college I was permanently panicked over my. Student loans and every time the. HR woman asked me if I was ready to start a 403b I said no. One time I decided to explain that it was because of my. Student loans and she said something that now seems so simple and obviou. But having a knowledgeable adult tell me made all the difference.
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She said everyone goes Partaite Mais Je Suis Une Nathalie Et C’est Presque Shirt (monthly bills, mortgage, etc). And if I waited for it to end I’d never have anything set aside for an emergency or retirement. She said even 1% of my paycheck would at least be something and that. The best thing to do was to start saving when the annual cost of living increase kicked in so I’d never miss the difference. I ended up putting 3% in each pay period and seeing how quickly it accumulated has influenced my savings habits to this day. Personally, I won’t touch a credit card with a 10ft pole. I don’t believe anyone should buy outside their current savings. Credit cards just encourage the mindset of buy it now but pay for it later.