6 biggest lessons about career and money that any person aged 22-31 should know, don’t regret it until you’re old
When I started writing about money and my career, I had just graduated from college with a rudimentary understanding of markets, credit, and the world of personal finance. I don’t know what an index fund is, and my thinking about budgeting is just hoping to have enough money in my account to use until the next payday.
Until now, I still have a lot to learn. However, during my eight years in professional communications, I have been fortunate to speak with countless people who have provided me with invaluable advice and wisdom. In the process, I have achieved many achievements, promoted, increased my savings and built a work-life balance with me.
I’ve rounded up some of the money and career lessons I’ve learned over the course of nearly a decade that have made the biggest difference in my life and wanted to share them with you.
Hopefully you can pull off some suggestions for yourself, even if it’s simply to save a little extra money.
1. There is no such thing as a “high-paying light job”
There are very few things in life that are given away for free. If you come across something that promises to bring you money, fame, or some other desirable thing that is “simple, easy to do, effortless”, such as a business opportunity that one person inflated routines, a service that promises to help you pay off debt, or a new investment that will double your money… be on the lookout!
These types of scams work because they take advantage of people who are in a vulnerable situation or promise to give us all their support. But there’s no such thing as “easy” money or paying back less than you owe. Chances are, those “bargains” will put you in a worse position than you started with.
2. Proactively ask for what you want
It would be great if employers paid us more money, a better title or the responsibilities we crave just because they were impressed with our work and productivity! But, the world doesn’t work that way for most people, you have to know to ask for what you want.
Some people are naturally good at this, but personally it took me many years to learn this lesson and to this day, I am still learning. Every time I mustered up the courage to ask for what I wanted – maybe more money, different terms in my employment contract or even for the cocktail I ordered, but not what I was being denied. misrepresented – I am not only protecting myself, but also becoming more confident.
3. Start saving
Start saving and investing as soon as possible. This can be difficult, especially when you’re just starting out and you don’t have enough money or time for it. But every penny you spend now is a little peace of mind for a later date.
Even though I have set up an automatic pension for eight years, I always try to save beyond that account. There’s always something to buy, people to date, a new restaurant to try.
Get started today: a few tiny coins may not seem worth it now, but you’ll thank yourself in the future.
4. Take time for yourself
I started my career in business journalism deep in a culture of hustle and bustle: Working hard all the time, seen as an ideal, even a moral imperative. If you can’t brag about how busy you are and how little sleep you get, it means you’re not doing your best or you’re doing something wrong.
Things have changed a bit over the last few years, especially during the Covid-19 pandemic, instead of talking about productivity, we are now having a larger conversation about burnout and what it is. We owe it to our employers and ourselves.
However, the culture of hustle is far from dead – and when you have to work two jobs just to pay the rent, it may never go away completely. It is usually a privilege for you to opt out. Over the years, I’ve come to realize that the value of spending time doing what really makes me feel relax gives me a much greater sense of satisfaction than spending hours on my laptop. me. For me, it’s going for a walk, baking a cake, trying to eat a few fruits and vegetables every day, and putting email aside to read a book or write a letter to a friend.
This is good for you, simply because you are human and you can expand your world beyond work.
5. Can be skeptical, but still need a goal to strive for
As a Gen Y money author, it’s hard not to be skeptical about everything. Our careers and finances have been shaken by the 2008 financial crisis, the Great Recession, and the Covid-19 pandemic. On average, we are earning less than our parents’ age, even though we are more educated and the costs of everything like housing, schools, health insurance are significantly higher. And all of this is happening against the backdrop of the worsening climate crisis.
Current society makes most of us ordinary people skeptical about the future. Who cares about a better job position amid a global pandemic? Why save for retirement when we will never retire?
I don’t have the answers to those questions, and believe me, I think about them all the time myself. But one thing I know for sure is that inaction in the face of all these challenges will only make things worse. Without saving for retirement, your old age will definitely get tougher.
Such is life, you never know what will happen tomorrow, skepticism is common, and a goal to motivate and move forward is always a necessity.
6. Stick with people who trust you
As a child, I often ignored my father’s advice to focus on building relationships and connections. I don’t have to attract people, I think my work speaks for itself.
The old me was impulsive and simple like that. I’m not saying you need to make friends with everyone you meet – but with luck, you’ll find people in your field who believe in you, your work and your potential. If you meet such a person, keep and cherish them.
Not only will you help each other improve, but you and them will also be able to find more joy and meaning in your work.
The author of the article is Alicia Adamczyk, a senior financial reporter and author of CNBC’s Make It’s weekly newsletter. Previously, she was in charge of personal finance at Money Magazine and Lifehacker. She holds a bachelor’s degree from the University of Michigan and currently lives in New York City.
By Business and Marketing
at Blogtuan.info – Source: cafebiz.vn – Read the original article here
