How to be wealthier and healthier — at the same time.

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Show Notes

Harlan and Miranda are joined by Jessica Moorhouse and Jaclyn Phillips. Jessica is a personal finance expert (blogger, podcaster, speaker) and Jaclyn Phillips is a fitness expert (fitness coach, yoga instructor, champion bodybuilder). We talk money and fitness — and how they go together.

Jessica Moorhouse is an award-winning personal finance blogger, speaker and host of the popular Mo’ Money Podcast, who regularly shares helpful money tips with major news outlets and magazines as a go-to millennial money expert.

Focusing on building her community offline (in addition to online), Jessica founded the Millennial Money Meetup in 2016 to promote financial literacy amongst millennials in her city of Toronto. Aside from being passionate about personal finance, she’s also a fitness & balance advocate, having launched her first e-course with fitness coach Jaclyn Phillips, the Rich & Fit Bootcamp, in June 2017.

Facebook: https://www.facebook.com/jessicaimoorhouse/
Instagram: https://www.instagram.com/jessicaimoorhouse/
Twitter: https://twitter.com/jessi_moorhouse
YouTube: https://www.youtube.com/c/jessicamoorhouse1

Jaclyn Phillips is a registered yoga teacher, fitness coach and international bikini competitor based out of Toronto. She has been active her entire life and approaches health and wellness from a holistic perspective. Finding balance between work, fun and health has always been her focus and lifestyle.

Priorities for Jaclyn are making the time to eat healthy, work hard and train hard, and she has a passion to share this with others. Her goal is to inspire and motivate others by sharing her fitness journey and experiences through progress, nutrition and workouts. Jaclyn has a soft spot for animals too – especially dogs – and loves all things nature.

Facebook: https://www.facebook.com/jaclynphillipscoach/
Instagram: https://www.instagram.com/jaqioh/
Twitter: https://twitter.com/JaciPhillips
YouTube: https://www.youtube.com/channel/UCaDJnkBMVkdlR6Yz41GqcGA

Hosted byHarlan L. Landes and Miranda Marquit
Produced byadulting.tv
Edited and mixed bySteve Stewart
Music bybensound.com

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A resume is stale. Show who you really are. Learn how a blog can really make you shine.

So, is it time to update your resume and LinkedIn profile? You can do that, but it’s not enough.

No, really. Resumes are so 2009. LinkedIn profiles may be a little better.

What you need is a blog. Why? For starters, a blog is a more robust example of who you are and what you can do.

Improve and demonstrate your writing skills.

Good writing skills are essential for most jobs. Whether you’re a customer service representative, a journalist, or a team manager, your writing needs to be clear, accurate, and compelling – unless you’re a doctor.

Admittedly, far too much business today is done by email. That said, if your emails to clients are confusing or droll, you won’t be effective.

Rather than learn good writing skills on the job, learn at home. Your blog readers, who will likely be your friends and family at first, will let you know if your writing isn’t making sense. I won’t hear from friends or family for years, but I’ll get an email or direct message when they notice a mistake in my writing.

You don’t have to go solo, though, there are numerous online courses that you can take to help with your writing. Some are free. Some are cheap. A good writing course is worth it.

Improve and demonstrate your critical thinking skills.

Businesses are desperate for critical thinkers. Those who excel do more than regurgitate information. Hiring managers and business leaders want to know that their teams can manipulate and apply information and data in a way that’s useful and beneficial to the organization.

What better way to make sure you’re interpreting information accurately and coming to unique, valuable conclusions than to share your interpretations with the world on your blog and social media?

In 2011, when I posted my first blog post with my name on it, I had to work up the courage. I was concerned about what people would think. They might’ve thought my ideas were stupid, so I was prepared to rebut their rebuttals. They might’ve called out my writing, spelling and grammar skills, so I proofed, proofed and reproofed before I hit publish.

Hitting the publish button for the first time took me way too long. I’ve gotten much better in the last six years, and that’s a skill I can take to any job, whether I work for myself or someone else.

Show your personal brand.

Personal brands are gold these days. It’s harder for businesses today than generations past to market to and attract an audience. Unless it’s aired during the Super Bowl, a television commercial, like a resume, doesn’t carry the same weight as it once did. Therefore, businesses are looking for creative solutions to be recognized and to grow their buyers.

This is why a person with a solid personal brand is valuable to a business.

The best way to show potential business partners or employers your true self is with your blog. If an employer can scroll through even a few months of your blog, they’ll get a somewhat accurate understanding of who you are. Therefore, they’ll have a good idea if you can work together and, if so, of how you can work together.

Take, for example, a hair stylist. If a hair stylist, going through school, posts their work online and their work is consistently good or shows improvement, they can share their blog or portfolio with prospective employers and the hiring employer will have a good understanding of the candidate.

Build a following.

A personal brand backed by a substantial social media following is platinum. You don’t have to be an A-List YouTube star (if that’s such a thing). But, if you have an audience who likes and listens to you, you have leverage when business opportunities arise.

If that same hair stylist also posts their work on Instagram in addition to their blog, and they grow their Instagram following to one thousand, ten thousand, or more, they’re even more valuable to a prospective employer.

Also, the risk of failure for the stylist with the big Instagram following opening their own salon is less because they can guarantee a percentage of their followers will follow them to whatever salon they go.

Build a platform for your other skills.

In today’s economy, it’s good to have multiple streams of income. Employees no longer spend a lifetime working for the same employer. Even staying with the same job, within the same company for more than a few years is considered antiquated. The best way for employees to feel financially secure is to not rely on one source of income.

A blog is a great part-time job. Your blog can focus on your hobby, something entirely different from your day job. Or, it can complement what you do during the day.

Take, for example, someone who wants to be a nanny abroad. Thousands of people want to be nannies in different parts of the world. Being a nanny will be the prospective employee’s primary job. However, they could start a blog about how they went from the idea of becoming a nanny abroad to actually becoming a nanny abroad.

Blog readers can use the nanny’s blog as the template for how to become nannies themselves. Everyone can learn from the mistakes and successes of the nanny. The nanny can continue blogging about their experiences, what they like and don’t like, what they learn, and about other nanny jobs.

They could eventually monetize their nanny blog with ads and sponsored posts. They can become a resource for the nanny industry and write books, make videos, and become a speaker all because of a blog.

Have an accountability journal.

Another value of having a blog is that it can act as your accountability. If you’re striving to achieve a goal, such as paying off debt or losing weight, sharing your goals with the world makes it harder to quit when you don’t succeed as fast or as quickly as you’d like.

Likewise, people with the same or similar goals can act as your support, share their stories to help, and inspire you and others. Plus, everyone can learn from your trials and tribulations.

You can, essentially, create a community of people to help and uplift each other. Connecting with people because of your blog is even better than monetizing it.

Resumes are outdated.

Finally, resumes are static and stale. It’s easy to pad a resume and use the right words to make even the most mundane success seem incredible. Resumes won’t go away anytime soon because they’re an executive summary of your accomplishments.

A blog, though, has life and personality. It can demonstrate everything about you. To be sure, no recruiter or hiring manager will sift through every page of your blog and every video you create, but they don’t have to do all that.

Anyone considering hiring or working with you will easily and quickly get a sense of who you are from your blog. That’s why a blog is a nice complement to your resume.

So, don’t skip updating your resume or LinkedIn profile. But, complement them with a blog and stand out from others. Starting a blog isn’t as hard as you think and the value is more than worth it.

Have you seen success with a blog or have any questions about starting one? Let us know in the #Adulting Facebook community

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Are you trying to improve and need answers? I mean real answers. Sometimes a wiki just won’t do. Here’s a list of the best books to help you out.

These days, most people look to the internet for all things explanatory, interesting, or otherwise worth knowing. If you want to learn something, there’s usually a resource just a click away.

But when you’re looking to improve as a person, oftentimes the answers provided by a Google search can seem too shallow. You need thorough examination, thoughtful analysis, and a guiding hand that doesn’t skimp on words. You need a real, honest-to-goodness book. Remember those?

Unfortunately, wading through the countless self-help books on the market is a lot harder than scrolling through a list of search results. Here are some of the best titles I’ve read, by some of the most respected names in personal improvement.

The Happiness Project by Gretchen Rubin

Rubin’s self-help book is so much more than any click-bait list you could find online. Of course, she includes the basics like getting enough sleep, exercising and eating well – but she also offers some unique insights, such as seeking out the hobbies you enjoyed as a child.

In the book, Rubin realizes that she once loved children’s literature and Young Adult novels, but gave them up when she became a professional writer. In going back to what she loved in her youth, she reclaims a piece of her happiness she didn’t know was missing.

Rubin’s tips are less woo and more hard work. Waking up earlier to make her daughters a special Valentine’s Day breakfast is hard, but creating memories and traditions is a big part of her happiness. She gives you the tools to follow your own path to happiness, not anyone else’s.

The Power of Habit by Charles Duhigg

As a freelance writer, I’m always looking for the latest productivity hack. In The Power of Habit, I found a book that explains how to form the habits that I want and make them a part of my everyday life.

A New York Times reporter, Duhigg delves into how habits are created and how people can change the most dangerous and stubborn habits. He studies addicts who quit after decades of drinking or doing drugs to find the most effective methods and insights.

Duhigg explains that our entire life is based on habits. A series of habits turn into behavior, which becomes the foundation of our personal and professional relationships. Duhigg breaks down habits into their most basic forms and explains how successful people use habits to increase their efficiency and reach their goals.

Love Warrior by Glennon Doyle Melton

I first heard about Glennon Doyle Melton a year ago, and I was intrigued by her brutal honesty. She doesn’t hesitate to write about her struggles with bulimia, alcohol and drugs. Even as a non-addict, I find myself relating to her desire to slip away from the world and everything that’s hurting her.

Love Warrior is the story of Melton’s life, starting with her struggles with bulimia in middle school and ending with the revelation that her husband had been cheating on her consistently throughout their marriage.

In the book, she describes how she learned to speak her truth and resolve her lingering body issues. Though I have nothing in common with the Florida-based mother of three, I find myself relating to her truth and wanting to live a more open life after finishing the book.

Big Magic by Elizabeth Gilbert

Liz Gilbert is most famous for Eat, Pray, Love, the 2006 smash hit where she chronicled her divorce and subsequent worldwide soul-searching journey.

But Gilbert’s best work might be her latest – Big Magic, a how-to guide for creative people struggling to fulfill their artistic endeavors. If you’re feeling uncertain about your painting or writing, Gilbert’s book can help you push through your mental blocks.

Some of the book is a little out there, but overall her message is solid. She believes in working on your art as a side project, so you aren’t relying on it for money, and finding what you’re passionate about – not necessarily what you’re good at it.

The Total Money Makeover by Dave Ramsey

I can distinctly remember the first time I read The Total Money Makeover. I was in high school and had already spent years listening to Dave Ramsey on the radio, driving in my mom’s car. I was familiar with Dave and his style, but “The Total Money Makeover” changed something deep inside me.

Dave uses real-life examples of struggling families to show how they can get out of debt, save for retirement, and stop worrying about money. His trademarked “Baby Steps” formula lays out easy steps that everyone can take.

There’s no wondering about which debt you should pay off first or if you should save for retirement before your child’s college education. This book is a foolproof system and anyone who follows it is guaranteed financial success.

Are there any books that have greatly influenced your life? We’d love to hear about them over at #Adulting Facebook community!

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From money to relationships and everything in between, here’s the best advice from a panel of expert adults.

I know you won’t follow every piece of advice you’re about to read. Some of this won’t have anything to do with you, anyway. But bear with me.

That’s because I and the rest of the Adulting.tv team asked hundreds of people — some of them adults and others… “adults” — what advice they’d give their younger self. Some answered with very specific advice about opportunities they had at the age of 21. Some offered tidbits of wisdom they gained from making mistakes. Most didn’t answer at all.

Don’t worry — even if you take some advice to heart, you’ll still make mistakes in life. Mistakes are the best way to learn about yourself and how you can grow as a person.

But if you have the opportunity to avoid a few, you might as well take it. So let these certified adult experts help you.

Something in this fantastic round-up of advice will apply to you, at any age.

“21 wasn’t that long ago for me but I would say this: Choose a place to live that is inexpensive and allows you to save. Spending too much in rent can really hurt your ability to pay off your student loans, invest, and even travel the way you want to in the future.” Kevin Matthews II

“Don’t be afraid to try new jobs and careers. Like your actual life, your working productive life is a very long period of time and you’ll have many opportunities to switch and try new things. Don’t be afraid to do so, especially when you’re early and have less to risk!” Jim Wang

“Take the time to explore your priorities and hobbies, but make sure you have some buffer in your account. I ran out of money in my early 20s and found myself scrambling and unfulfilled. There is a way to be YOLO yet at the same time be responsible with your spending. Think about money as buying you time and choices instead of cool things, which was what I was most concerned about when I first graduated college.” Sarah Li-Cain

“Don’t always look to see what others are doing with money or what the current trend says you should be doing. Figure out what works for you… This also applies to starting a family, your career and pretty much anything else.”

“Don’t listen to people telling you that starting a business is the ultimate thing to do. Not everyone is built for it mentally or emotionally and it takes more than passion or an interest to make it a success. It’s more than acceptable to be an employee of someone else and plenty of people have lived great lives that way.” Eric Nisall

“Alcohol and sugar are overrated. Try sobriety and protein for a couple weeks.” Doug Nordman

“21 was just a few years ago for me, but the best thing I did and therefore the best advice I have is to start paying off debt ASAP, especially if you are single and don’t have children. I wasn’t dating anyone then, so I lived at home with family, worked 2 jobs and debt snowballed like crazy to pay off as much as I could so that someday when I got married I would be in a little less debt. It really helped, because when I got married at 23 a lot of the financial pressure was off since I had paid off about $17,000 worth of debt on my own. Also– be careful what major you pick in college! I graduated with a degree that I can’t do anything with, that I picked solely because the classes were fun and interesting. Unfortunately, I’m going to have to go back to college for a second degree to actually get a decent job.” Bailey Kay Cummins

“Trust your gut. It will never steer you wrong with jobs (if you are getting a stomachache thinking about the promotion you feel like you have to take, you’ll probably quit 6 months later), with dating (if you feel leery about a guy, he’ll probably be the sort of guy who gets mad at you for being sad), with money (if it feels like a bad use of your money, it probably is). Don’t railroad over those gut feelings.” Emily Guy Birken

“At 21 years of age I was living in a dumpy apartment in a Philadelphia slum with a year-old baby. I had a permanent part-time job and no child support or government aid. As a result, I was so broke I did all our laundry (including the diapers) on a scrub-board. Here’s what I would tell my 21-year-old self. Tough times show us what we’re really made of and what we’re capable of accomplishing. Often, we later realize that what we perceived as misfortune was actually crucial to making us the people we have become. (And in fact, that’s happened.)” Donna Freedman

“At the start of your career, move into a cheap apartment that you hate (ideally with roommates). Why? You won’t want to spend any time there. That makes it easy to skip out on luxury utilities (tv, internet, etc) and expensive furniture. Lower expenses means more cash to put towards investments. You’ll also be able (and willing) to put in more hours at work, creating clear differentiation between you and your peer group. Hustling hard early on should produce a steeper compensation trajectory. Before you know it, you’ll be on a clear path to financial independence.” Eppie Vojt

“This fall you’re going to go through the Student Union at college. There will be a Citibank representative there soliciting students to apply for a credit card. Do not stop. Flip him both birds, yell, “F YOU!” at the top of your lungs and keep walking.” Travis Pizel

Start contributing to a Roth IRA and take advantage of all the tax benefits in retirement investing. Even if you can only afford $50 a month, those early contributions really add up over the years. Just one $50 investment can grow to $749 over 40 years on a 7% annual return. Now imagine you were able to make that $50 a month!”

“When you’re young and don’t pay much in taxes, you might not be getting such a benefit from the instant deductions of a 401k or a traditional IRA. This is when a Roth IRA makes the most sense. You don’t get an instant deduction but get to withdraw the money totally tax-free in retirement, that’s contributions and all earnings tax-free.” Joseph Hogue

“Find what makes you happy and then organize your life around that. Quit comparing yourself to others. Everyone moves at a different pace and has a different focus. What’s important is that you do what’s best for you. Not what’s best for your friends or others around you. Life is much more enjoyable when you do that.” Andrew Daniels

“I know you’ve spent the last 16 years of your life in school, but don’t stop learning now. Keep learning and mastering new skills whether they’re related to your work or not.” Julie Starnes Rains

“Don’t build a life that requires a financial partner. Make your own money and make sure you can support yourself if the shit hits the fan. It’s great to HAVE a financial partner, but it’s another thing to NEED one.” Morgan Marie Quinn

“My biggest revelation after wasting four years of college and working a dead end job was learning that the market doesn’t care about my passions (which were fickle anyway); the market rewarded professions that were IN DEMAND. So my job was to find a niche in the job market that married my skills and interests with jobs that were HIGHLY needed, and that small realization changed everything for me. I no longer felt guilty for “selling out” to make money, because by choosing a career that society valued it was a win-win for everyone.” Curtis Hearn

Negotiate everything! Your salary, purchases, and business deals. It’s a muscle that needs to be built and there is always an opportunity to build it.” Alanna Jackson Anthony

“Don’t underestimate yourself. You might not think you qualify for those scholarships, but you’d be wrong. You’ll be kicking yourself to find out later only five people applied for that $5,000 scholarship and you thought 1,000 people would apply! This goes for graduate school scholarships and TA positions. Just apply.” Melissa Hoffman

“Youth is time to experiment and have new experiences. Manage your money so you can do that. It’s a better investment than grad school for most people. Be bold. But always be able to support yourself.” Teresa Mears

“I’d tell my 21-year-old self to party less. I was a neo in my fraternity at the time and basically wasted a year in school partying. My priorities were not in order.” Jason Butler

“No one cares more about your finances, your career, or your health than you do. Learn about each and pay equal attention to each one so that you have a secure and balanced life for years to come. Don’t let the fear of the unknown stop you. Life happens. Let it.” Amy Savage Blacklock

Exercise. Find a workout routine that makes you feel great and make movement part of your life every single day. I don’t care what you do, whether it’s running or yoga or lifting or walking for miles or playing rec league sports, just find something that gets you physically active most days. Physical exercise benefits your bod, but it’s also an investment in your mental and emotional well-being (and staying healthy = less in healthcare costs). Getting into a workout routine only gets harder as you get older, so start now while it’s easier to work it into your day so it becomes a part of your long-term lifestyle.” Kali Hawlk

“Take a deep breath and understand career success doesn’t happen overnight. Every day when you get to work, it is a new opportunity to impress your team and keep up the momentum. But don’t stop side hustling. Don’t be afraid to invest a few bucks in your projects and stay focused!” Eric Rosenberg

“(1) Work for experience, not income, because eventually the experience will command a far higher income. (2) Buy rental real estate instead of renting and begin as early as possible. Beg or borrow the down payment if necessary. As long as the property is positive cash flow and financed with a fully amortizing, fixed rate mortgage your financial security is just a question of time, and time is why you want to start as early as possible. Rental real estate provides inflation adjusting income you can never outlive, and there’s not many investments you can say that about.” Todd R. Tresidder

“Invest in defense industries. They seem to be doing better and better.” Mason Handke

“Jump on Bitcoin and Ford stocks. In other words, when you see a good financial deal, take time to learn enough to invest in it and do it quickly. Also, skip that whole finishing college thing. You guys know what you want to do; just get your certs and get out. The lost earning potential will eat you up later. Don’t let anyone else tell you what God wants from you. You’re smart enough to figure it out yourself. You’re going to have a lot of ‘I wish…’ moments down the road when you realize you’re letting someone else control your moral compass. Lastly, take that trip to Costa Rica. Just do it. Once you have kids and a real job, it’s going to be so much harder to do. The money’s there. Take the opportunity.” Lacey Keller Smith

Save up so that you can travel and see the world. Don’t worry about a new pair of pants or about going out every weekend. Explore this planet.” Martin Dasko

“Ironically, my 21-year-old self had more money to save and invest than my 37-year-old self. I would have told him to do that. But more than that, start a business. The barrier to entry for many businesses like insurance companies, online companies, etc. is so low, starting it young means great rewards while you’re still young instead of when you’re older like most people. But even more than THAT, be creatively productive with free time. Back then I had GOBS of free time and I did a fair amount of writing, but nothing else I did really created. I was focused mostly on entertainment. Nowadays I have all kinds of desires to continue to be creative, but no time. But if I had started something back then it would have been easier to *continue* working on my passion instead of trying to add time in my day for things I’m passionate about.” Greg Hamblin

“If you make $N per hour and can pay someone to clean your house (or other tasks) for $M per hour, and N>M, pay someone to clean your house while you work more. Now don’t forget to work the extra hours.” Brad Cole

“Open a Roth IRA.” Rhiannon Fox

“Don’t be so serious. Let things roll and have some fun. Explore more. Don’t be so afraid of life.” Joe Saul-Sehy

“Don’t get married!” Arantza Zabala

“You have another half-dozen major failures and reboots in front of you. Don’t take them so hard. Don’t bother getting complexes. Be more focused on what you can and can’t control and fight the one in spite of the other.” Rodney Staton

“Don’t be afraid. Although life can be scary, it is also worth it to face that fear. Don’t give up on your self. What most other people think if you doesn’t matter, especially those who dont like you. Don’t let those people decide your future. That have no investment in you! Work hard! Nothing is easy.” Laurie Clark-Jacobson

“If it is important, financially, it will still be there a week later. Be happy. Don’t take life too seriously.” Morgan Dayna McKinnon

“Do not look for someone else to make you feel good or happy. Try if you can to be secure in yourself. If you are looking, look for someone with same morals, values, and expectations. If your future is to be together your values will allow you to work together on any obstructions that come up. Values discussed before a close relationship, married or not, is key to enjoyment of one another.” Lenorah DeAngelis

“Jäger is NEVER a good idea. Neither is tequila. That petty thing or person you’re overly stressed about now? Let it go. It most likely won’t be there in one year and it doesn’t deserve your energy. See also: people who make you cry for stupid reasons. No one else’s opinion of you matters more than your own. Plan for all the things but don’t plan so much you can’t handle whatever is thrown at you. All those things people in their 30s and 40s tell you? It’s solid advice. Don’t dismiss it. They know their shit (or pretend like they do).” Jana Lynch

“Start early and always save a portion of your paycheck. Try to make it be the same each week.” George Morrison

“Figure out the monies. Know how much your life costs, how to minimize, save, and spend wisely. Never be without at least a month’s expenses in savings. Avoid student loans at all costs.” Lindsay Johnson Nuesca

“Find something you are really good at and make a business.” Kade Marquez

“Invest your money instead of wasting it on all the crap you’re about to buy. Oh yeah, and start a blog — the internet is not a fad.” Tom Drake

“Life is not going to turn out the way you think sweetie, but don’t worry, you are gonna make it and it’s gonna be GOOD.” Charlotte McLendon Baker

“When I spoke to a group of middle-schoolers earlier today I took them on a journey. I told them that I’ve been at my job for 10 years. And I showed them the importance of being picky with how they spend their money. I said 10 years ago, when I started my fancy pants engineering job I could have spent $5 per day on Starbucks coffee. Instead I bought Starbucks stock and now it has tripled in value! And I showed them different examples showing how those small choices made a huge impact! Crystal Hammond

“When you meet people always ask how you can help them achieve their goals, or how you can be helpful in general, and then help them. Never expect anything directly in return but forming those early bonds, and staying in touch will serve you well for your entire life.” Bobbi Rebell

“Get an IUD. ” Elyssa Jean Kirkham

“Make self development a habit. It will take you from good to great.” Felix A. Montelara

“Travel while you can! I didn’t have the travel bug back then. Once you get kids, the game changes. Both time and money are in very short supply. At 21, travel. David Leonhardt

“If you truly believe in your stance, hold firm. People will try to intimidate you, but that doesn’t mean you’re wrong. Applies to just about every part of life.” Kay Bell

“So strange. My nonlinear, unplanned, dirt poor youth doesn’t look at all troubling to me. Maybe just… invest in Microsoft.” Dean Ferguson

“Never marry someone who makes you cry.” Sherri Bible

“Travel. Leave your bubble and visit somewhere where you don’t speak the language; it’s even better if you can live in another country for a while. When you come home, start planning the next trip. Don’t let having kids deter you from traveling; it involves a bit more planning, but they only make it better. Pay off your student loans ASAP then save; you really don’t need a lot of material items. Spend your money on experiences (see first paragraph) and save your money.” Leslie Smith

“No matter your culture, it is okay to be single in your 20s. Discover yourself rather than discovering others, as this will be the one opportunity you have to do so.” Brynne Conroy

“Research is the key to everything related to finances. From renting a place to live and the utility payments required when you move in, to car knowledge when you go shopping for a car. Building credit and how to do it right. Relationships? Be smart, don’t just jump in. Know what matters to you and make those things important in your relationships. Oh, and credit is IMPORTANT. Don’t fuck that up.” Nik Thurnbeck

“Plan well for your retirement. Put away more than you think you can. Stretch! The time sneaks up on you – enjoy yourself some now, enjoy yourself a LOT later – you’ll deserve it! Also, be as good as you can to others — don’t leave anything to regret (oh there will always be regrets — so try to keep them to a minimum) I really think that’s the most important piece of advice. Be kind, be good. Be honest. Especially with yourself. Please keep your promises — every one. If you don’t think you can keep it, don’t make it. Sounds hokey, huh? But its true. Live the very best life you possibly can every day. Respect nature. Look to nature for lessons on life. The more you look at animals, birds, and just nature around us, the more you can understand about human nature. Seek simple affirmations and actualization. The more actualized and complete you feel, the easier it is to be satisfied by the little things. Now to take my own advice – early to bed and early to rise – huh, I wish! Oh one more — Polonious – Act I Scene III – Hamlet: ‘Neither a borrower or a lender be.’ Oh boy, I really mean that one!” Shari Berman Landes

“Always be nice. And don’t sweat the small stuff.” Wendie Berman Biegel

“People will show you who they are.” Jenna Carpenter Smith

“Spend time alone. You don’t have to be in a relationship all the time, and certainly don’t judge your worth based on whether you’re single or in a relationship. Learn to love yourself first.” Chris Kilian

“Don’t pour yourself into a man who doesn’t care enough to do the same for you.” Magdalen Sheffield

“All these responsible things but also make sure you have fun and travel in your 20s. Don’t be so work focused because your 30s, if you have kids, could be very very very boring.” Christina Marie

“Never be afraid to be who you truly are. Do all the things!” Aaron Sheffield

“Don’t worry about how successful other people are. It’s not a contest, and if it were, it would be a marathon, not a sprint.” Francesca Pellegrino

“Go to Vanguard and take the spot at Mystique. You’re gonna change jobs anyway.” Sean McReady

“Life isn’t a race. There’s no rush to finish college in 4 years. It’s OK to be the last of your friends to get married, have kids, buy a house, have a career. Life is a journey to be enjoyed. You will accomplish your goals when the timing is right.” Elizabeth Buono

“Travel as much as you can and don’t be in a hurry to settle down.” Nakki A. Price

“Follow your instinct. It’s usually right. Don’t be afraid to say no.” Danielle Marone

Wait for a job that you will LOVE!! Travel a lot! And never settle!!” Lauri Kane

“First you need to know the most important investment to make is in yourself. Strengthen your weaknesses. Fortify your strengths. Sometimes maybe go out of your comfort zone. Find yourself at a job. It may pay the bills and take care of your family but something that you don’t hate going to do everyday. Start at Step 1. Investments, credit, all of that stuff comes later. If you can’t manage yourself you can’t manage the rest of that stuff. Be successful at managing yourself and that’s when those other options start opening up. That’s when you start considering them.” Colin R Gelles

“If it’s working, it’s working. A messy, backwards, or unconventional approach to something doesn’t mean it’s wrong. I’ve finally learned to accept the way I live, create, and give, and it doesn’t look like anyone else’s. All kinds of people are needed to make this world work, so ignore what you’ve heard in the management, productivity, and success books. If you are working at your best and comfortable with the process, that is what matters. I wish I wouldn’t have fought against convention for all these years and just accepted my way. What a waste of time!” Linsey Knerl

“Make — and especially keep — more social connections. Your friends can become your support network (emotional and business) as you all gain more experience and responsibility.” Virginia Rich Diaz

“Listen to yourself and learn to trust what you hear.” Alan Steinborn

“And carpe diem!” Sally Dikowitz

“Try to prepare for things like illness, accidents, etc. and the possibility you may not be able to work at some time, you never know!” Pamela A. Parker

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Leap outside your comfort zone. Try something new. Fail. And grow into the life you want.

Once in a while, we present Adulting.tv LIVE! Subscribe on YouTube to hear about future events, and share your questions about or suggestions for our next discussions!

Show Notes

Life stuck in a rut? Feeling low on confidence? Maybe you need to conquer life by stepping outside your comfort zone. Martin Dasko joins us to talk about bold challenges and how trying new things changed his own course.

You can improve your confidence as you seek the life you want to live, and the key to doing so is getting comfortable with taking on bold challenges.

Martin Dasko is the founder of Studenomics. His alter-ego is the Latin Lover, a villain in Toronto’s semi-pro wrestling scene. Martin is the author of several books, including Next Round’s On Me and So, You Want to Drive for Uber? He is also a co-host of Do You Even Hustle?, a podcast about business and sales in real life.

Hosted byHarlan L. Landes and Miranda Marquit
Produced byadulting.tv
Edited and mixed bySteve Stewart
Music bybensound.com

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Are your retirement dreams bigger than your 401(k)? If you’re ready to retire, but your wallet isn’t, here are some ideas to get you on your way.

If you’re thinking about retirement, you’re probably ahead of the curve. Most Americans don’t have enough saved for their golden years, and a substantial amount have nothing saved at all. If a retirement fund is your nest egg, most people haven’t even started looking for a chicken!

If you want to retire early, you’re going to need to get creative. Living costs continue to rise, the future of social security is dubious at best, and most experts predict that millennials will struggle to retire on the same timeline as their baby boomer parents. It’s a harsh reality, but it doesn’t appear to be changing anytime soon.

Here are a few practical ways to retire when you want – and one you probably haven’t thought of.

Keep a budget.

When your heart is set on early retirement, you need to hit those numbers consistently in order to reach your goal. If you stop contributing to your 401(k) for a few months to pay off some debt or go on vacation, you could miss your target retirement date.

Stay on track with a budget and designate how much you can spend per category. Not sure how much you should budget? Track your spending first to see what your current numbers are, then see if you need to make any changes.

“Once you’ve tracked your spending for a few months, you’ll be able to see spending patterns,” said anonymous early retirement blogger Mrs. 1500 of 1500 Days.

Earn more money.

When you decide to retire early, you’ll probably find that you have to save far more than the average person. Your two choices are to live below your means or find an additional source of income. Depending on how much you make and when you want to retire, even living below your means might not be enough.

Go through the math and see how much you need to save to reach your goal. Can you do that on your current income? Or will you need work more?

Mrs. 1500 said people should “get a second job, improve [their] current earnings, get a side hustle or use [their] funds to invest in passive-income producing ventures such as real estate, stocks that pay dividends, or Private Money Loans – essentially being the bank for investors.”

Know your number.

Being aware of how much you need to retire is crucial. Some people assume you need millions, while others think Social Security and Medicare will be enough to string them along. Both answers are probably wrong.

Everyone’s number is different and depends on their lifestyle, location and when they plan to retire. There are many retirement calculators online to help you figure out how much you need, but you should see a financial planner if you want a personalized figure.

Mrs. 1500 said you should save 25 times your annual spending “so that you can safely withdraw 4% every year.”

Downsize your home.

Housing costs make up the largest portion of the average consumer’s budget, and a hefty mortgage can delay retirement.

Instead of holding onto your home, find the least expensive option you’ll still be happy with. You might even have enough equity in your current house to pay off a new mortgage. Many retirees like the convenience of a condo where they’re not responsible for mowing the lawn or general maintenance.

A smaller house will also come with lower utilities, property taxes and more. Use the difference to save for retirement.

Move to a cheaper country.

Your nest egg might be too small for a retirement in America, but it could be just enough to spend your golden years overseas. Many South American and Asian countries offer a low cost of living and welcome American expats.

Joseph Hogue of Peer Finance 101 lives in Medellin, Colombia with his wife and son. Their total living expenses equal $1,400 a month – a sum far smaller than anywhere they could find in the US.

“That includes health insurance for a family of three, internet, cable and all the amenities we had when we lived in the States,” he said. “The city is the second largest in the country and has a metro system as well as everything you’d expect in a large metropolitan area.”

Other popular options include Belize, Thailand, the Philippines, and Nicaragua. In many of these destinations you can live on $1,000-$1,500 a month and get access to the same level of healthcare as you had back in the States. Many of these countries have significant expat communities where you can meet other Americans.

“Sometimes it can feel like you never left at all,” Hogue said.

Before you pack your bags, do some research on your chosen destination. Make an approximate budget and factor in flights back home, which may be pricey and exhausting.

Are you prepared for retirement? Do you have any other tips to get ready? Let us know over at the #Adulting Facebook community!

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Life’s too short to always feel shafted. If you’re not getting what you want out of your life, it’s time to change things! Let’s put your effort where it matters.

Is your life a profitable business or a non-profit? In business, everything requires a return on investment (ROI). Unless they’re required otherwise by law, companies don’t do anything without the intention of making money. Companies hire a person in so much as that person can complete a task that pays for their salary and makes the company a profit.

I know! Some jobs subsidize others, but this isn’t ECON101. We’re in Adulting701, and we’re talking about life.

Why is it that we don’t apply a similar philosophy of an ROI on our personal lives? We keep people around who suck our souls. We repeat bad habits that harm our health. We avoid opportunities to challenge ourselves and grow. We stay with the same, old tried and true to the detriment of our dreams.

That is not a business or personal model for success.

Spend time with other awesome people.

As we age, we collect people in our lives and keep them at all cost. We’re loyal and faithful and sometimes caring to a fault. Everyone has their down days and who doesn’t want to live up to Bill Withers’ standard when he sang, “Lean on me when you’re not strong, and I’ll be your friend. I’ll help you carry on.” Aside from ending in a preposition, those are noble words by which to live.

See what I did there?

In 7 Habits of Highly Effective People, Stephen Covey talked about emotional bank accounts. Everyone has an emotional bank account, and the people in our lives are either making a deposit or making a withdrawal from our emotional bank account.

The more people withdraw from our emotional bank account, the lower our ROI. If they deduct or even deplete our emotional bank account, our ROI can be negative. That’s not okay. We want people who add more than they take so that we can be all or more than we can be. It’s fair to remember, that we’re either adding to or taking from others’ emotional bank accounts, too.

Keep people around you who make you better and whom you can help be better.

Risk living for your dream or stay stuck in a nightmare.

Les Brown said, “The graveyard is the richest place on earth because it is here that you will find all the hopes and dreams that were never fulfilled.” Will you take your biggest and best asset to the grave with you?

Are you staying with a job because you have family responsibilities? Are you not stretching towards your dream because you think you’re too old, too young, not the right gender, don’t have enough experience, blah, blah, blah?

You know what they say about excuses, right?

For the longest time, I wanted to be financially and geographically independent by helping people with their money. That’s making a long story short. However, one of my mental hurdles was thinking that I was too young. Who would listen to me in my 20s? Who would listen to me in my 30s? Even when I started this venture, I wondered who would listen to me in my 40s?

When I started doing what I wanted, I began networking with others who were doing the same. Many of them were younger than me. Because I’m a master of self-doubt, I started to think I’m too old. If I listened to my internal dialogue, I had one year in which I was the optimal age to do what I wanted to do.

Mel Robbins says we’d be committed to an institution if other people could hear our internal dialogue. So, I stopped listening to my fears and insecurities and started listening to my faith and possibilities. While nothing is inevitable, I’m happier than ever and can’t wait to wake up every day to continue working on my dream.

If you aren’t excited to wake up more days than not, is it because you’re living a nightmare? If you’re living a nightmare or even a drama, what value are you getting from it?

Don’t love the one you’re with, rather be with the one you love.

“Love the One You’re With” is a badass tune, but it’s bad advice. There’s a good chance we get one life and, as we’ve learned over the last couple of decades, we can have full and happy lives alone. We don’t need someone else to make us happy and, if we think we do, there’s a problem.

If we “need” someone in our lives to make us happy, then we have more needs than love. Plus, it’s not fair to put that kind of responsibility on someone.

Only when we can love ourselves fully, completely alone, and for who we are can we receive true love. It feels unfair, but it’s true, and any relationship we stay in because we need to will be mediocre at best and, in economic terms, that’s stagnation.

Our resources are limited. We only have so much time. We only have so much energy. We can only give so much without getting something in return. What is your ROI in every area of your life and how can you get a better return?

When you figure out that formula, you’ll have more abundance than you thought possible.

We would love to hear your thoughts about your personal ROI in the #Adulting Facebook community! Hope to see you there!

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