With age comes financial optimism, or so the title of a recent blog post over at dedicated to financial freedom proclaims. The author discusses her optimism despite the fact that she owes now more than ever before. Her optimism is due to a financial goal to eliminate her debt in ten years, that is completely eliminated owing money to no one.
Low Optimism in Your Twenties
It is often difficult to find optimism in your twenties, you have bills to pay, college debt to repay and it seems all your friends are out everyday networking at the bars after work. You may find yourself living pay check to pay check barely squeezing by each month, or even each week. If you are currently in the state described above it’s time to stop living that life, set some goals, budget your money and start living the frugal life in order to be affluent later on. In your twenties you are often fresh out of college with little to no work experience, employers often low ball you on a salary and quote your lack of experience as the reason. It’s often discomforting to see another worker being paid significantly more than you, and yet they do the same thing. Worse yet would be the worker who does less than you and still receives a higher salary.
Finding Your Optimism
Every cloud has a silver lining as the quote goes. As the author of with age comes optimism states, “Some of us, walked away fairly cheaply. While others of us are still working on cleaning up the remnants of choices gone bad.” Every cause has an effect, meaning your decisions now will come back to your later on. If you are fresh out of school and are living a high consumption life style you should stop and check yourself [before you wreck yourself]. Do you have a plan, a goal, a budget? If your financial life is in disarray you will not find too much optimism for your financial future. Once you get things in order, you will be filled with optimism.
When Your Young
Schools tend to teach a working mentality. Our friends often dictate what we wear, what we drive and where we live. Our constant concern over image is what is driving this nation into financial crisis. Our savings rates as Americans is the lowest it has been since the great depression. Before you get in too deep trying to keep up with the proverbial Joneses get a grip on your future. One day we will look back on these day’s, our salad day’s and laugh at some of the things we do. Since you are reading this article I hope you will look back on these day’s with ease and not regret, glad you committed yourself to a path of financial education, frugality, and independence.
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It is sad that an article giving financial advice to young adults cannot manage to use correct grammar. When you pluralize “day,” or most other words, you do not use an apostrophe. All you have to do is add an “s” to the end. This basic grammar skill is taught in first grade. Perhaps our country’s college graduates would get paid more if they could actually use correct English. Also, “Your” should have been “You’re” because it is a contraction of “You” and “are.”
Jo,
It is also sad that someone commenting on grammar is attributing the poor grammar to an article rather than to the writer. An article may contain bad grammar but it cannot use bad grammar. Apparently you missed a class somewhere along the way as well. This is a blog. There is no editor. Even highly skilled writers make mistakes. Usually the ones correcting the mistakes are doing so because they can’t write well enough to merit publishing. Personally, I’m just thrilled to see someone making an effort to educate young adults in an area of great need. Your comments on grammar should have been sent via email directly to the writer. An offer to help rather than an attempt to embarrass carries much more weight.