Opening the Next Chapter: Musings from a Recent College Grad

All of a sudden, you’re walking away with a piece of paper in your hand saying that you’re now qualified to head out into the working world.  I know I speak for all college graduates when I say, “Where on Earth did the time go?!” Gradcapsgowns_B9A6046 2_smWhat a milestone. While graduation has become a time for well-deserved celebration, it ultimately comes down to a time for reflection and thinking ahead. The ever looming question, “What am I going to do with my life?” haunted me every day, even before senior year began. As a planner, the uncertainty of the future was terrifying because as we all know, a college degree doesn’t guarantee a job offer anymore – it now only seems to serve as a jumping off point. (more…)

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Secrets of a Former Financial Advisor… Budgets

GettyImages_512193945I am a former financial advisor.  The company I worked for is not important (rhymes with “barbarian excess”), but the life and money lessons I learned from that experience proved to be very valuable.  For example, I learned that I can’t sell, which might have led to my career change into compliance oversight of financial services.  I liked helping people, and helping them solve the puzzles that were their finances and their frustrating lack of progress towards their goals.  But more often than not, I found that what was in their best interest was to keep their accounts where they were, and find a way to save more.  But as with losing weight, people don’t want the difficult and slow, albeit tried and true way to get there.  They want a magic pill that gets them results tomorrow.  Which brings me to the first lesson I learned about people and money:

Budgets Don’t Work.

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