Nothing says “good job” like cold, hard cash. Know your tipping etiquette so you don’t look like a schmuck next time you’re out.

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We live in a culture that expects you to tip certain service providers. Understanding tipping etiquette can be tricky, though.

When do you tip? What sorts of services should you tip for? Are the times when you don’t need to tip? And, really, doesn’t it seem like everyone expects a tip today?

Today’s episode is all about not looking like a schmuck when you leave the house. You want to do your tipping right.

Concepts

  • The culture of tipping and why we do it.
  • Where do we see tips?
  • Which service providers should you tip?
  • Tipping etiquette and social norms.
  • Why it’s important to tip workers who might not even be getting minimum wage.
  • How much should you tip?
  • When do you tip?
  • Special occasions and tipping.

In our DO NOWs we take a look at how you can figure out your own tipping behaviors. Don’t forget to make a list of people you should be tipping.

This week’s listener question has to do with tipping etiquette when figuring how much to leave at a restaurant. Do you tip on the bill before or after tax? We debate the merits of both.

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There’s a lot of suspect information floating around about money. Avoid these myths and show your money who’s boss.

Since I write about personal finance, I’m used to advising my friends about their own finances. It seems that every time I bring up the subject, I find myself correcting people.

With most of the information available readily on the internet, how is it possible that there’s so much misinformation?

But even I sometimes find out that something I believe is wrong. Personal finance is a complex topic, full of changing rules and expert advice. Read below to see if you believe any of these common money myths.

All adults need life insurance.

When I got married, I called my insurance agent a few days later to ask about life insurance. I felt so grown up, thinking about my future and impending death.

But my agent told me I didn’t need a life insurance policy. I didn’t have a mortgage or a child with my husband, so there was little reason to pay for a policy. If he died, I could still support myself.

I was relieved to know that I didn’t have to buy an extra form of insurance. I’m a fairly cautious person, but I like being able to avoid spending money if I don’t have to.

Of course, there are other factors at play, such as how much cheaper life insurance costs while you’re younger. You can also consider funeral costs for your parents if you pass. While you might not need life insurance right now, keep it on the back burner. It’s something you might consider before you hit 30 and rates go up.

Investing is risky.

Recent surveys indicate that millennials are afraid of investing, either because they don’t understand the markets or they’re shell-shocked from growing up during two recessions.

But Dani Pascarella, CFP and founder of wealth coaching firm Invibed, said that people who don’t invest are guaranteed to lose money.

“The current rate of inflation in the U.S. is around 2.2%, but most savings accounts pay less than 1% in interest,” she said. “That means if you don’t invest your savings, you are actually losing your purchasing power.”

That’s not to say that any form of investing is better than a high-yield savings account. People lose money every day in the stock market. But finding an investment that will not only beat inflation, but also provide a healthy return, is possible. You can research investing on your own, use a robo-advisor, or hire a financial planner.

And you might be surprised that you can start investing with very little. Companies like Acorns allow you to start with pocket change.

I need to keep a small balance on my credit card.

One of the most persistent credit myths is that you need to have a small balance on your credit card for the card issuer to report on your credit report. Some people mistakenly believe that if they pay off their balance every month, the issuer won’t report any activity on your account, which won’t help your credit report.

Not true. The only way a credit card company will report zero activity on an account is if you pay off the balance before the statement is posted. Once the statement is posted, you can pay off the entire balance with no fear of what it’ll do to your credit report.

This myth is dangerous because it entices people to keep a balance on a credit card that likely has a high interest rate. There’s no reason to pay interest fees every month, especially not for the false reason of boosting your credit score.

All debt is bad.

Most financial experts agree that you should avoid debt whenever possible. But not all debt is bad, and if you’re careful, you can use debt to create more revenue.

“The rich actually use it as a tool for building wealth,” Pascarella said.

For example, rental properties are a popular form of investing. Borrowers take on mortgages on properties that they believe will provide a solid stream of income. Not only do these rent payments pay for any expenses, they also provide a tidy profit.

Many business owners also got started by borrowing money, from a bank, family members or other companies. Without that initial loan, they wouldn’t be able to build their empire.

Renting is throwing your money away.

This is a myth I’ve heard a lot, mostly from people who buy a house way too quickly. They believe that a home is an investment and always better than renting.

But owning a home is expensive. Closing costs, private mortgage insurance, property taxes, homeowners insurance and maintenance fees can quickly drain your bank account. In general, if you plan to own a home for five years or less, you’ll likely lose money on the deal. That’s partly because when you first take out a loan, your initial payments mostly go toward interest. Only later do the payments skew more toward the principal.

That means if you sell a home three years after you bought it, you’ll have little equity to gain from it. Plus, the market isn’t likely to change that much in a short period of time, so you’re not able to get a huge rate of return.

Unless you plan to settle down in an area for more than five years and are prepared for the responsibilities of a house, stick with renting.

You don’t have to fall victim to these money myths. Instead, think about what matters most to you. Create a financial life around what you hope to see in your own future, and look for solid information that will help you on your path.

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Choose one of these best bank accounts to handle your finances like an adult.

If you don’t have a bank account yet, you should open one. (Continue reading for some suggestions.) Anyone who earns money from a job or any other source — even if there isn’t a lot of money to spare — should be using a checking account at the very least.

My bank tells me I’ve been a customer since the year I turned 13, so whether it was from an allowance, from taking care of my neighbor’s cat while they were on vacation, or from my first job in retail, I was at least trying to have a positive money attitude, inspired by my parents.

It’s possible to be successful without a bank account, but without one, you’ll have obstacles in today’s society. You can work at a job where you’re paid cash, or you can use check-cashing services at Walmart or storefronts. Prepaid debit cards can help you buy things in an increasingly cashless environment. But all these workarounds are expensive and limit your financial possibilities.

Bank accounts can be expensive, too, and many of these financial corporations will try to fleece you at any opportunity with overdraft fees, minimum balance requirements, maintenance fees, and ATM fees. The list of hidden fees seems to go on forever. Avoiding fees sometimes requires some attention, but when you can, checking and savings accounts are much better than “alternative banking products.”

You don’t need to go crazy. You can do everything you need with one checking account, but to make the most out of benefits banks have to offer, you’d need one savings account as well. That will help you earn interest on the money of yours you let the bank use — yes, when you deposit money in a bank account, you’re letting the bank use your money, so they should be giving you something in return (in addition to your ability to withdraw any amount of your money at any time).

I prefer the KISS strategy when it comes to bank accounts: Keep It Simple, Stupid. (No offense.)

Choose one of these best bank accounts to open.

Best Overall Bank Account for an Adult.

Fidelity Cash Management Account. This is the best example of the KISS method of banking. It’s a checking and a savings account in one, though the amount of interest you earn is minimal. But for a primary bank account, that’s just fine. Everything is free. Let me repeat: Everything is free. There’s no minimum balance. When you want to use an ATM, the owners will charge a fee, but Fidelity pays you to cover that fee.

You receive free checks to use. (You should learn how to use a checkbook and how to write checks if you don’t already know.) You can deposit any checks you receive using an app on your phone. Of course, you receive a debit card to access your money using an ATM or for purchases. Open a Fidelity Cash Management account.

Best Bank Account for an Adult Who Doesn’t Trust Banks.

Your local credit union. Not a fan of the financial industry? Credit unions don’t answer to Wall Street, so they’re not always trying to profit from their customers. Credit unions are owned by their members (who are also their customers), so it’s a system that makes the needs of the customers their priority.

Many community credit unions are open to anyone, but some have restricted membership. Navy Federal Credit Union is one of the best-reviewed credit unions out there, but you need to be affiliated with the military or the Department of Defense (or have an immediate family member who is) in order to join.

The Navy Federal Credit Union e-Checking is that organization’s best option taking all the facets of banking into account.

An independent credit union may also be the best option for Socially Conscious Adults. (Trump fans should head to CitiBank or Wells Fargo; the president owns stock in these companies.) Search for a credit union.

Best Bank Account for an Adult With Limited Mobility.

The branch that’s local to you. For a while in my adult life, I didn’t own a car. That really limited my ability to get around to a distant branch. This might apply to someone who lives in a walk-able city, too, like New York City.

Convenience is an important factor in choosing a bank account, sometimes more than a tiny bit of interest you might earn. So if you have a bank within a walking distance of 60 seconds, no one would ever judge you for choosing that bank’s free checking option over another bank.

Almost every bank account in existence today can be managed online, so there should be very few things you need to actually travel to a branch for. But sometimes, something comes up. But any online account should also be good for someone without access to transportation. Ally Bank is a strongly-reviewed online bank with a standard checking account. Simple is another interesting choice.

Best Bank Account for Adults Who Earn Interest.

Synchrony High Yield Savings. If you want just one bank account, choosing a checking account like one of the above. If you’re ready to have both a checking account and a savings account, and you’re moderately good at managing your money, a high yield savings account is a good choice for a second bank account.

And in recent years, Synchrony has offered one of the highest interest rates around. As of right now, that’s 1.05% APY (annual percentage yield). What does that mean? If you deposit $1,000 on day one and do nothing else, on day 366, your balance will be $1,010.50.

Not a huge increase, but it’s better than ending up with less. And we’ve been at a low point in interest rates. They will rise in the future — we just don’t know when. Open a Synchrony High Yield Savings account.

Best Bank Account for Adult Entrepreneurs.

Citizens Bank Clearly Better Business Checking. It’s important to separate your business finances from your personal life. If you develop a business, or you start earning money from your hobby in a serious way, you’ll want a business checking account. Make your business official with the state and federal governments, then open this account.

There are no maintenance fees and no minimum balance requirement, so it’s perfect for your side hustle. The bank offers 200 free check transactions, which should be sufficient for most small businesses. Open a Clearly Better Business Checking account.

If you have a bank account, which account do you have?

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Looking for more quality time with your S.O.? Start a business together. Just make sure you’re really cut out for a shared business.

Many moons ago, actually 495 moons ago, my husband and I decided that we were done with our W-2s.

We were tired of working for someone else, seeking other people’s seemingly impossible approval, and letting someone else dictate our income and quality of life. So, we started our own business and haven’t looked back.

If you’re thinking of working with your life partner or spouse, you may want to know that it’s pretty awesome. It’s not just me who thinks that, as you’ll see. Others think it, as well. Here are some of the myriad of reasons to work with your partner.

You can spend more time together.

I’ll start with the most nauseous reason first. The first and primary reason we started a business together is because we want to spend more time together. We happen to like each other, so, why not spend more time together?

With traveling to and from work, preparing for work, working and sleeping, we were only seeing each other a few hours a day. We were living for the weekends, but the weekends were too infrequent and too short. So, we made an employment change.

Plus, rather than text each other all day from separate locations, we can now just look up across the table.

Masterminding.

There’s something special about growing something special with your best friend. This is usually why couples make babies. Growing a business isn’t too unlike raising children. They both take patience, perseverance, creativity, money, and love.

Holly Porter Johnson of the ClubThrifty.com says, “Working with your partner is awesome because you get to dream together! I love coming up with new ideas and bringing them to fruition with my husband by my side. There is no greater joy than growing something together and becoming successful as a team.”

We couldn’t agree more. Working with your life partner is a great way to boost all your ideas and make the most of life and business.

Dividing and conquering.

Even though it’s your own business, you still often must meet the expectations of others. Sometimes those expectations come with deadlines and sometimes they come with demands. In these circumstances, we divide and conquer.

Mrs. Frugalwoods of Frugalwoods.com says, “By dividing and conquering—and focusing on our individual strengths—as partners (in love and money), we excel at creating genuine, relatable content that not only expands our brands, but also deepens our relationship.”

We both understand our business and both have a vested interest in its success. Either of us can take the helm when necessary and we work well together the rest of the time. This makes for happier clients, better service, and a stronger bond.

Motivate each other.

Building a business is hard, but it’s easier when you build one with someone else. Getting out of bed is hard, but it’s easier to get out of bed when the person next to you is getting out of bed, too.

There are times when you just don’t wanna. Usually, we don’t have that feeling at the same time. So, when one needs a pick-me-up, the other’s there and vice versa. When it’s hard to see the bright side, the other is there to shine the light.

Working with your life partner is great when you have built-in support.

Complement each other.

There are some things he’s good at doing and there are other things I’m good at doing. This, like dividing and conquering, let’s us take advantage of each of our strengths.

Personally, my husband is great with coming up with a million good ideas. He fails on the execution of those ideas. I struggle with ideas and am good with execution.

Likewise, he’s good with technology and I’m good with words. So, with the foundation of our business being an online blog, he keeps the lights on and I keep them coming back for more.

Save cost-of-working costs.

The reason many families have multiple cars is because each family member has a different job. That’s more cars, more gas and more car insurance. When you’re a home-based business of two that shares a bed, you really only need one car.

Working with your life partner cuts down on other costs, too.

Aside from our public speaking, most of our business is behind a laptop. Therefore, we don’t need as many “work clothes,” packed lunches, and Tupperware or contracted services such as a cleaning person or personal chef. We had a personal chef for a year while we were building out business and both working a W-2.

Now we have the time to take care of these things.

Lunch dates.

Even though fewer people do work lunches anymore, some business partners have the occasional lunch date. When you work with your partner, every lunch (and breakfast and dinner) is a true-blue lunch date.

Usually, we eat lunch while we watch an inspirational talk or video on YouTube, but it’s more special watching these with your someone special than watching them alone. Likewise, when we’re inspired we have someone with whom to be inspired.

Not only are these lunch dates good quality time, but they’re also a relaxing time to brainstorm solutions to struggles we’re having. As Mrs. 1500 of 1500Days.com says, “The Mister and I have a pretty solid relationship. He’s my best friend, and I know that he has my back with anything. That part’s really important.”

If you’re considering working with your life partner, know that it’s a work relationship that can work.

It may not be for everyone, but the from the other co-working couples we know and our own personal experience, it’s pretty lit.

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Yes, it is possible to legally sell yourself. You might be surprised that some people are willing to pay you just for who you are.

At some point, any number of us are looking for ways to earn a little fast cash.

Whether it’s an extra $50 this week or a desire to find an extra $1,000 in the budget this month, the ability to make extra money entices all of us.

But how do you make extra money quickly? And can you get the cash when you want it?

One way to get that paper quicker is to sell yourself.

Not like that. That’s illegal.

But there are ways to sell some bits of yourself and it’s totally legal. Here are some of the ways you can make extra money by selling what your mama gave you:

Hair.

Believe it or not, people want to buy your hair. You’ve probably heard of people donating hair, but you can actually get money for your hair.

Your best bet is going to be if you have long hair (at least 10 inches or so) that hasn’t been treated or dyed.

However, even if you have shorter hair, or hair that was treated or colored at some point, you might still be able to get some money.

It’s possible to make up to a few hundred dollars when you sell your hair. There are websites like HairSellon that allow you to list your hair for sale. There’s even a hair price calculator to help you estimate what you should list your hair for.

I just did my own hair and discovered that it is worth $70. (It’s been dyed). Not bad considering all I need to do is cut it off.

Blood plasma.

I know several people who have made decent money by donating blood plasma. You can make $25 to $50 per donation, depending on where you live.

It’s also possible to donate up to twice in a seven-day period. That’s up to $200 a month. I know a guy that paid for his family’s groceries just with his blood plasma donations.

Companies like BioLife can provide you with the ability to make extra money quickly and easily. You do need to make sure you meet the requirements, including a medical screening and testing negative for hepatitis and IV, and follow a recommended diet.

Eggs (for the ladies).

When I was in college, I saw an ad in the newspaper for egg donations. I was intrigued. Ultimately, I didn’t go for it. But sometimes I wish I had.

When it comes to egg donation, you can earn thousands of dollars. One company, Growing Generations, starts at $8,000. You get $750 of it upfront, as you begin the medications required.

Most egg donation isn’t just about getting the compensation for the donation itself. All your expenses are paid. This includes mileage if you have to drive and airfare if you have to fly. Meals, hotel, and other expenses are covered.

However, the downside is that this can be harder to do than just lop off your hair. You have to go through a whole cycle of medications. Plus, you have to be healthy. The ad I saw insisted on high intelligence as well.

I’m almost too old to make a good candidate now, but there are times I wish I’d gone for it when I was younger. I was a good weight, not totally unattractive, and doing quite well in school.

It’s something to think about if you want to make extra money and don’t mind the idea of your genetic material being given to someone else.

Women can also make money by selling their breast milk and by being surrogates. But you really have to be committed to make extra money in these ways, since it requires going really above and beyond.

Sperm (for the dudes).

Men can also get in on the genetic material racket by selling their sperm. This is easier than being an egg donar, though. You can make up to $1,500 a month if you meet the requirements to be a sperm donor.

You have to make a commitment, though. You need to come in at least once a week for between six months a year. You might also need to meet a height requirement and pass a health screening.

Realize, though, that you could end up with some of your progeny coming to find you. Even if you ask for confidentiality, there are ways for determined people to find out the truth about their biology — and come looking.

You can find a local sperm bank using a directory.

Poop.

Yes, poop.

A company in Boston is willing to pay you $40 per stool sample.

You do need to pass a screening and be willing to donate several times a week for 60 days. But that’s not too bad, when you think about it.

However, it’s limited to those who can get to the centers in the Boston area. So if you aren’t local enough, it’s not going to help you. But if you do live in the Boston area, your poop could save lives — and be profitable.

Clinical trials.

I recently had a medical procedure. Because I was willing to answer questions about it, I received $75 in Amazon gift cards.

While it’s not cold, hard cash, it was still useful. And I shop at Amazon regularly, so it was very helpful. Not bad for 45 minutes worth of talking on the phone.

You can also participate in clinical trials to make extra money. If you meet the requirements, you can try out pharmaceuticals and other medical items.

You can search for clinical trials in your area to see whether you have a nearby trial that you qualify for.

Of course, the downside is that you can end up with adverse reactions and serious discomfort. But if you’re willing to stick it out, it can mean thousands — or even tens of thousands — of dollars.

Used panties.

Finally, you can wear your panties like normal and then sell them. Websites like Pantydeal can hook you up with buyers looking to sniff your used panties.

It’s part of the adult industry and a way for you to make some money easily and even quickly.

Websites that deal in panties promise discretion, although you are likely to make more money if you are willing to share pictures and videos.

If you consider yourself “adventurous,” there might be some money in your old underwear.

Bottom line.

Before you get too excited about selling yourself to make extra money, think through it. It can be hard to give bits of you away. And some of the best-paying opportunities can be painful and inconvenient. B

But if you are sure, look into ways that you can take your income potential to the next level just by being who you are.

Have you ever sold your body parts legally? Are you interested in taking that step? Let us know in the #Adulting community on Facebook.

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Debt doesn’t have to be a financial death sentence. You can overcome it. Put together a plan and get to work.

Twelve years ago, my husband, David, and I found our sitting on the floor of our basement apartment as two financial services professionals with $51,000 in credit card debt between the two of us.

Like the cobbler’s kids with unfortunate shoes and the emperor with off-the-rack clothes, we were helping other people with their money and not ourselves.

We put together a debt payoff plan and got rid of that debt in two and a half years and built a business based on our experience becoming and living financially free.

How did we pay off so much debt?

We’re often asked in interviews how we paid off so much debt so quickly.

The underlying question is, “What tools or tricks can you give us to help us become financially free?”

The problem with tools and tricks and that what works for us may not work for you and vice versa. That’s why our first response to that question is that we figured out what we most wanted in life.

We found our “why,” and as Jim Rohn says, “When you know what you want, and you want it bad enough, you’ll find a way to get it.” When we figured out what we most wanted and not what we thought we should want or what others thought we should want we had the motivation to pay off our debt.

When times were tough, and they were, we used our why as fuel to continue our path to being debt free and stick with our debt payoff plan.

But that doesn’t mean there aren’t tips and tricks you can try. Here’s the five-part plan we used to become and live debt free. You can see if some — or all — of this plan might work with your own style to help you reach your financial goals.

Be money conscious.

My husband and I thought we coined this term. To us, it initially meant being clear on how much money we earn, have and spend. It meant having a basic understanding of the economy and how the economies of the world affect us personally.

We later learned that Napoleon Hill thinks he coined “money consciousness” in his book, Think & Grow Rich. Hill talks about money consciousness on a metaphysical level. The results on both a practical and metaphysical level produce the same results, as Hill says, “only those who become money conscious ever accumulate great riches.”

Live below your means.

Living below your means sounds outdated and old-fashioned, but it’s critical to getting and staying out of debt and achieving financial success. This rule affects everyone, rich and poor, black and white, gay and straight and everyone in between everyone else.

Living below your means is such a powerful principle that it brings down many seemingly successful movie, music, and sports stars.

Cash is king.

Living on cash gives most people a 20% raise. Studies show that individuals who use only cash spend less money in addition to paying less in interest fees. When we had our debt, we were paying $10,000 a year in interest payments. When we paid off our debt, we gave ourselves a $10,000 raise and dramatically improved our quality of life.

Have a financial plan.

Just like you can’t drive from New York City to Los Angeles without clear directions, you can’t achieve financial goals without a financial plan. A good financial plan includes knowing the starting point of where you are financially and the ending point or goal of where you want to go.

It wasn’t until we knew which direction we wanted to go with our financial lives and our lives in general that we could go from a negative net worth of $51,000 to a positive net worth over $700,000. Therefore, you need to have a financial plan.

Creating and maintaining a financial plan isn’t hard and doesn’t limit us from enjoying life. Our budget and financial plan help us do all the things we want in life by letting us know when we can have and do what we want. As Søren Kierkegaard said, “Anxiety is the dizziness of freedom.”

Now, how do you pay down your existing debt?

The Avalanche and Snowball methods.

The Avalanche Method says to pay off highest interest rate debt first while making minimum payments on other debts. Then, proceed to the next highest interest rate debt and so forth until all debt is paid off.

The Snowball Method, popularized by Dave Ramsey, says to pay off the smallest debt first while making minimum payments on other debts. Once the smallest debt is paid off, proceed to the second lowest debt and so forth. The Snowball Method gives quick wins.

For my husband and me, neither seemed fast enough, especially because all our debt was credit card debt and we saw a loophole.

Our Debt Lasso method.

We first contacted all our credit card companies and asked them to lower our interest rates. The Debt Lasso method helped us to start saving money immediately. Any savings we had immediately went towards our debt.

Most companies obliged even if it took some explaining. It helped that despite having all that debt, we rarely missed or were late on payments. The only thing holding down our credit scores were our debt to income ratio.

It, also, helped that we explained how dire our situation was and that we didn’t want to miss or be late on future payments or file for bankruptcy. So, it was in everyone’s best interest to accommodate us.

Next, we looked for 0% interest-rate-credit-card-promotions with no annual fees. When we found a credit card and promotion that suited us, we calculated the cost of a balance transfer to that card. This strategy required reading a lot of fine print to be clear what we were getting.

At the time, 3% balance transfer fees were standard. There were some that charged less than 3% and even some that charged 0%. The 0% interest-rate-credit-card-promotions with no annual fees and 0% balance transfer fees were gold. Some exist today!

Most of the 0% interest-rate-credit-card-promotions lasted between six to 18 months. The longer the promotion, the more time we had to pay off our debt. Then, we diligently paid off as much debt as we could as fast as we could. When one card was paid off, we put more money towards our remaining debt. We continued this strategy until all our debt was paid off.

This is the five-part debt payoff plan we created to destroy $51,000 of credit card debt and, then, stay out of debt. If it worked for us, it can work for you. So, get working.

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Don’t get caught in the buy low and sell high fantasy. Your path to best long-term results is boring AF.

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The Dow recently closed above 20,000. It seems like we’re still seeing a bull run, even with some losses. Indeed, even with recent drops, the Dow is still above 20,000. But will it last?

It’s tempting to try to time the market. But the problem is that, as humans, it’s hard for us to make good choices when it comes to investing.

We talk about the need to buy low and sell high, but is this actually practical advice? Let’s look at how likely this is for you to accomplish.

Concepts

  • What it means to buy low and sell high.
  • The realities behind trying to get in low and sell high.
  • Does stock picking make sense?
  • Downsides to frequent trading.
  • A look at indexing and how it works.
  • Riding the market instead of trying to beat it.
  • Why most people end up selling low — they have to.
  • Should you invest cash instead of having it just lying around?
  • The psychological downsides of trying to buy low and sell high.
  • The concepts of rebalancing and asset allocation
  • How to create “buckets” of money based on your time horizons.

This week’s DO NOWS are all about taking action for a better investing future. Consider opening an investment account and setting up an automatic plan to invest in an index fund or ETF. One good place to start is Acorns, which allows you to use pocket change to start investing in ETFs.

We also suggest picking up a couple of books to learn more about investing:

The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns (Hardcover)


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Oblivious Investing: Building Wealth by Ignoring the Noise (Paperback)


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This week, our listener asks about investing with a small amount of money. The good news is that you can invest, even if you feel like you’re broke. We talk about different choices you can make when you’re running low on funds, and how to make the most of each dollar. You can also read our article on how to invest when you’re broke AF.

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