Don't just focus on the investing side, focus on your overall financial situation. This includes your investments, but it also includes how you handle your short term savings, plan for trips, use credit cards, negotiate for raises, etc.
To that end, I highly recommend to the book "I Will Teach You To Be Rich" by Ramit Sethi. Ignore the silly title, it's not a get rich quick scheme--it is all about how to get your financial life in order so that you feel "rich" even if you are really just graduating from college and starting your first job.
His advice on investing is going to be similar to what most people here suggest: Index funds, keep adding money over time, rebalance every once and a while but don't sweat the market swings or try to play the market daily. But he's going to give you a lot more instruction on how to automate the rest of your finances and get to a place where you are comfortable.
Unlike many other general personal finance books, he's never going to tell you to be cheap or to go without buying things you really want. He'd rather help you optimize your savings and get a better job than try to fund your retirement by never buying Starbucks.
Read I Will Teach you To Be Rich next. It walks you thru starting from scratch. https://www.amazon.com/Will-Teach-You-Rich-Second/dp/1523505745/ref=sr_1_1?crid=22ZIDQDRP595X&keywords=i+will+teach+you+to+be+rich&qid=1560644428&s=gateway&sprefix=i+wil+tea%2Caps%2C193&sr=8-1
Imho, I don't think you need to waste your tuition money on a semester long class to learn personal finance. There are tons of books, videos, and forums you can access that teach you all the basics and more. You just need to do a little research. My favorite book on the topic is <em>I will teach you to be rich</em>. It's straightforward, easy to understand, and doesn't bullshit. It's a good place to start.
Ramit Sethi's "I Will Teach You to Be Rich, Second Edition"
r/personalfinance is also a great start, too. Their Wiki has a lot of basic information on finances.
For those interested, she found it on Amazon for my birthday! Also, it's a dry-erase board!
It's ctually a set of fridge magnets. They sell them on Amazon, though they may be cheaper elsewhere; I didn't check beyond whether or not they existed.
>0 communication, 0 initiative to fixing these or announcements to attempt fixing the crashes and and the wide connection loss issues
Hey colleagues. This is my solution to the "how do I still write on the board when there ain't no board" problem. I use a USB webcam which can be easily grabbed and moved between being clipped to my monitor and this LEGO thing (or maybe you have two webcams). I think I captured enough of the construction to give you an idea of how it goes together.
I tinkered with the arm lengths to get the camera at just the right height to see fully an A4 sheet of paper or this wonderful Boogie Board which I heartily recommend if you want to save on paper and markers (note that it only writes in 1 color, so sometimes you just have to go back to paper and markers after all. but the quick-erase function is just great.)
Hope this helps someone :)
Clearly you need this because your own link literally fucking says Rosenbaum fucked kids. Also Snopes can eat a bag of dicks for writing a 1000 word dissertation to dance around the fact that all three of them had long histories of being criminals and pretending they were in the right when they all attacked a minor with varying degrees of lethal force as he was running away. While I'm here, just to make sure all the little Snopes simps come crawling out of the woodwork yet again to yell at me for daring to insult their messiah. Fuck Snopes, fuck Snopes, fuck Snopes. Come and get me you little mouth breathers, I love watching you desperately piss into the wind to defend the honor of a fucking website.
> When someone goes super hard on a single thing someone said during a 7-8 hour stream that is part of 5 7-8 hour streams that they put on 5 days a week every week, during a week when
you say this like it was a handful of words and no big deal, but the claim was that illegal, shady things are happening, and that's dynamite. he purports to be an expert, why is it unreasonable to expect him to be able to expand on this claim? this is what people wanted to know about.
and its not just that he got so fucking mad about this, his instinct was to assert instant narrative control - "i should have known, you're doing the destiny thing, you're trying to trap me, i guess you're just being an asshole to get a clip", and on and on and on.
these are things that set off alarm bells for me when i encounter them personally, but that's just me.
>Also 95% of zoomers dont read. Its a good thing that there are other ways for them to get this info.
yeah, for just 75 cents a day you can learn why you should buy a used car instead of a new car and invest in a 401k. guys, read a fucking book. don't waste 8 hours a day on this dumb shit, one and done this and move on with your life and probably get more out of it than you're getting from a twitch streamer who apparently feeds his audience a conspiracy theory because talking about boring ass shit like implied volatility isn't getting the clicks.
I’ll add my 2 cents: this may help, get the book “humongous book of calculus problems by Michael Kelly” (see link below).
You may brush up on the fundamental theorem/topics of your choice to prepare you for Calc 3 multivariable calculus.
This book got me through 124/125. It didn't follow in the exact order of the concepts in class, but doing these practice exercises over and over I was way more prepared for tests than just doing the homework. https://www.amazon.com/Humongous-Book-Calculus-Problems-Books/dp/1592575129/ref=sr_1_4
Product on Amazon: FreezerBoy Refrigerator Magnets
Do you have access to a 457b? Some teachers and government employees do. If you do, I’d prioritize that over other options for investing since they typically have no age minimum to begin distributions, as long as you leave employer (I.e. retire or take a different job in a different district).
Definitely get the details on the disability insurance. I’ve used short and long term disability insurance via my employer twice for surgeries and it was very helpful. After a 7 day elimination period, it covered 60% of my salary, and because the benefit is taxed, the income from it was not. So that was 60% untaxed, checks every two weeks until I was working full time again (I phased back into work both times per surgeon’s recommendation to build up strength).
Two books I recommend for personal finance and investing are here:
https://www.amazon.com/Will-Teach-You-Rich-Second/dp/1523505745
https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926
Also if you’re on Facebook, the group Women’s Personal Finance (Women on FIRE) is a great one.
Ok, where did you order this? I need this in my life.
EDIT: Found it on Amazon
I have this. Within a week the buttons get all rearranged and the dry erase screen doesn't really do too well on the whole erase part. It's cool though.
I got mine on amazon 2 years ago. https://www.amazon.com/gp/product/B011A3ZX4S/
I feel you.
Something that's kind of working for me now is that I worked out a rough budget so I know around how much I can spend on fun stuff while still saving. Most weeks and months I don't spend this money (or only a fraction of it), so when I do spend it it's double guilt free because I know I'm safely spending less than I can afford. I don't keep a budget, but I do track my overall savings and as long as that number is trending up, I know my current habits are working.
Another thing that helped was thinking about how I want my money to function. I want savings because they make me feel secure in the future. But I have to remember that I also want to live well now. I priorities spending on things that will enrich my life now and also give me experiences that will enhance my life going forwards. For example trying a fancy new restaurant the first time is a fun splurge, a new memorable experience, and enhances future enjoyment of watching Top Chef. Going to the same fancy restaurant a 2nd, 3rd or 4th time has comparatively little value so I don't do it.
I remember reading I Will Teach You To Be Rich helped shape some of these ideas.
Here is an example of one of the more upscale versions. It has most features I am looking for.
Just no paging. But since it can send it's work to an app, it doesn't seem unreasonable to have a bit of flash memory and page support in it, too.
This definitely isn't something I should have to wait 10 years for. Even if there is no product that fits exactly it's definitely possible. I just haven't found a good one.
make a spacer to ensure that the speaker surround is not banging into the baffle.
I cut out a circle from cork tile for one amp.
And bought spacers for a different one.
​
The sound in your amp really sounds like the speaker travel is longer than the existing gasket. YMMV!!!
Deal link: Amazon
Price:
$4.70 lower (25% savings) than the previous price of $18.8
All five books in the blockbuster Percy Jackson and the Olympians series, in paperback, collected in a boxed set fit for demigods, complete with a bonus poster!
Now with glorious new cover art and packaged with a special poster, this value-priced set includes the best-selling The Lightning Thief, The Sea of Monsters, The Titan's Curse, The Battle of the Labyrinth, and The Last Olympian.
Accompany the son of the sea god Poseidon and his other demigod friends as they go on a series of quests that will have them facing monsters, gods, and conniving figures from Greek mythology. Do they have what it takes to save the Olympians from an ancient enemy?
Whether it is for readers who are experiencing Percy's funny and thrilling adventures for the first time, or for fans who want to devour the saga again, this gift will be prized by readers aged 8-80.
This beloved series, read in schools across the world, has inspired two motion pictures and a Broadway musical. It is currently in development for a television series on Disney+,
Customer reviews:
★★★★★ / 34,549 global ratings
You should show him how much inflation destroys the value of money that just rots in bank accounts, if he’s so concerned with keeping wealth.
If he’s serious about getting the most out of his money, he’s investing spare cash in the market or in bonds from the country in which you reside (US Treasury bills, I-bonds or TIPS if you’re in the USA).
It’s also counter-productive to penny-pinch - it isn’t an effective wealth-building strategy because it costs you more in the long run. I don’t normally recommend most financial literature, but Ramit Sethi’s I Will Teach You to Be Rich is something you and your husband could read together. I’m sure there’s a copy at your local library.
To his point--follow a savings plan and then be guilt free with the rest.
You've seen plenty of advice about compound interest and everything, I'm just reiterating it--If you start with a solid plan when you are 21, you can do well with a fairly low savings rate.
That's part of why I think this book is a fantastic graduation present for a 21-22 year old: https://www.amazon.com/Will-Teach-You-Rich-Second/dp/1523505745/ref=pd_lpo_1?pd_rd_i=1523505745&psc=1 (despite the silly name).
The author's big thing is about learning to enjoy your money (when he says he will teach you to be rich, he doesn't mean he is going to help you make a million dolalrs a year--he's going to help you live a "rich life"). Get your savings plan on lock and HAVE FUN. If you like $5 lattes at starbucks...buy them. If you want to go on that sweet beach vacation...make it happen.
One of my favorite tactics he suggests is using bank sub-accounts that are earmarked for specific things. It can work as a psychological trick to make you do more of the things you live. E.g. if you have a "travel" account that you set up to automatically put money in every paycheck, you'll see the money building up there and be like "oh crap, I've got $$$ saved, I have vacation time at work, but I've been so busy I haven't actually planned a trip in a while" and it will motivate you to start booking some flights.
I got this cork a while back and it's done the trick for me. I had to spilt it in twain one time to thin it out for really small pathway bricks. But it's thickness suited me well for making rubble walls and fallen chunks of stone.
Quartet Cork Tiles, Cork Board, 12" x 12", Corkboard, Wall Bulletin Boards, Natural, 4 Pack (102) https://www.amazon.com/dp/B0018DHBAK/ref=cm_sw_r_apan_i_8J9RNFRJ3RW6M14A5FTQ?_encoding=UTF8&psc=1
We bought these and have been really happy with them. First Little Readers Parent Pack: Guided Reading Level A https://www.amazon.ca/dp/0545231493/ref=cm_sw_r_cp_api_i_WGV3Y8S76D8773QPJY9D?_encoding=UTF8&psc=1
The other thing we got was a magnetic board that is also erase marker. It came with all kinds of magnetic letters. Usually I make a simple word, he writes it and pronounces it. We play it like a game.
Fantastic question! I had the opposite issue: feeling guilty for spending more. The book at the link below helped a lot to set a plan and enjoy whatever's left over.
From what I have searched, the closest thing I could find is a boogie board:
https://www.amazon.com/Boogie-Board-Blackboard-Writing-Tablet/dp/B07D7WLDMV
However I don't think this was the item, since I'm pretty sure you have to implement a workaround to use it as a stylus on a computer.
I'm kinda with the person who said you can't go to major extremes. You were at a 10. you can't realistically dial back to a 1 without failing. Can you truly go an entire year telling your friends you can't catch a happy hour, movie, or going to a birthday dinner?
FWIW, this is a fantastic book for learning to to control your spending, not just cut back:
https://www.amazon.com/Will-Teach-You-Rich-Second-dp-1523505745/dp/1523505745/ref=dp_ob_title_bk
​
You won't be able to follow every step immediately, of course, but it'll help you switch your mindset from extremes.
I recommend this for young people starting at square one:
I Will Teach You to Be Rich, Second Edition: No Guilt. No Excuses. No BS. Just a 6-Week Program That Works https://www.amazon.com/dp/1523505745/ref=cm_sw_r_cp_api_glt_i_M1XW0Y79VT7PKWRTT1BG
Go to /r/personalfinance and read The wiki top to bottom. It has good info and a list of books. I recommend this one for anyone starting from square one.
I Will Teach You to Be Rich, Second Edition: No Guilt. No Excuses. No BS. Just a 6-Week Program That Works https://www.amazon.com/dp/1523505745/ref=cm_sw_r_cp_api_glt_i_Z2GN442TFAZB4GRRBPK1
Read some books. The wiki has a list, but I like this one for young people in your shoes:
I Will Teach You to Be Rich, Second Edition: https://www.amazon.com/dp/1523505745/ref=cm_sw_r_cp_api_glt_i_1926XZYX0XS1YR4NAPG6