It sometimes amazes me how afraid we are to talk about money. It’s something we all need to survive, yet we’re constantly afraid of offending someone or being seen as inferior. It seems so crazy to me because I think we’d all feel a bit better if we realized that many of us are in similar situations and not as different as we think.
Yet, while that all sounds nice, I do think many of us are in uncomfortable situations because we make poor choices. Yes, the government sucks. Yes, things are expensive. But no, you don’t have to buy all of the things you want. You don’t have to try to live up to some fake standard that you think society has set. You don’t have to have such a big house, or the brand new car, the giant T.V., or all the other things you think you need. I realize that this clearly doesn’t reflect everybody, but it reflects a hell of a lot of people. I see people complain everyday about things that are completely in their control to fix. And you can call me a bitch if you want, but here are some truths:
- Most of the time, private colleges are a stupid choice. I came out of 4 1/2 years of public community college/university with $18,700 in student loans, and got hired immediately. Don’t even try to kid yourself here, folks.
- Condoms are cheaper than children. Enough said.
- Just because you’re 20-something does not mean you need to go bar hopping every weekend; it means you need a more productive, less expensive hobby.
- Traveling is great, but it’s a stupid thing to do if you don’t have money in an emergency fund. Emergencies will happen. They always do. And you will be in a very bad position if you just spent $2,000+ on a trip to Europe instead of being a responsible adult.
- You can keep chasing a higher paycheck your entire life but if you keep inflating your lifestyle every time you reach it, you will be nothing more than a hamster on a wheel. If you can learn how to live on less, you can take a job you truly enjoy for a less paycheck and less stress, because you have learned how to be satisfied with a more simple lifestyle. This is the key, I promise you.
I know that some people may have very different opinions about this list, but I mean to be very blunt. We are adults, and it does no one any good to sugar coat things. I know that I am young, but being young does not mean being naive. I have been through a lot in my 24 years on this planet, and I am pretty confident in where I am at this point in my life. I do not mean to insult anyone, but if I did, maybe you should take a second look at some of your choices. I am not perfect, but I am trying my best and want to share that with all of you in hopes that it will help you like it’s helping me.