Living the dream as your own boss? Don’t let it become a budgeting nightmare. Stay on top of things when you have a variable income.

When former cubicle-jockeys switch to a freelance career, it’s almost always in pursuit of one elusive goal: freedom.

But with that freedom comes uncertainty. Many newly self-employed individuals find themselves missing the income consistency that came with their old gig.

But variable income doesn’t have to mean a dubious financial situation. There are a few methods you can use to create the consistency you’re looking for. This allows for the kind of stability you’d enjoy at an office job.

Here’s how I manage my own variable income:

Calculate how much you need.

Living on a variable income is stressful if you’re also living in the dark. If you don’t know how much you need to survive, how can you know if you’re budgeting correctly?

Go through your spending and add up your necessary expenses, including rent, groceries, gas, utilities, debt payments and other bills.

Then divide that number by 75% to calculate your target income.

That will be the minimum you need to earn each month. Anything left over can be used for discretionary spending or saving.

Live on last month’s revenue.

While salaried individuals know how much they’re going to bring in every month, people living on a variable income have no clue.

A long-term client could take an extended vacation or an assignment might be delayed indefinitely. One of my favorite ways to combat this uncertainty is to live on last month’s invoices.

If you grossed $3,000 last month, then you can only spend $3,000 this month — even if you project to make $4,500 this month.

This budgeting philosophy is all about spending the money you have, not the money you think will have. After all, things can and will go wrong every month. The technique also eases your cash flow, since many freelancers don’t get paid until 30 days after they’ve submitted an invoice.

Save most of your surplus.

A friend of mine who worked in the dance industry once told me about a mentor who would go designer shopping every time she got a choreography gig. These jobs paid exceedingly more than teaching gigs and left her with more cash than she was used to.

Instead of saving that dough, she’d go shopping for name-brand purses and clothes. I was shocked when I heard that story, but not surprised. It’s human nature to go on a shopping spree when you land a big windfall. However, budgeting responsibly (especially on a variable income) is all about denying those urges.

It’s ok to celebrate a new client or big project as long as you’re tucking some of it away for a rainy day. Try to save between 70% and 80% of your surplus income and enjoy the rest responsibly.

Keep an emergency fund.

Everyone who works for themselves has a slow period where the work seems to dry up. You can plan ahead for these months by having a larger-than-normal emergency fund.

I keep a six-month emergency fund since my husband and I are both self-employed. Having half a year’s worth of expenses keeps us afloat during the off-season. It’s a good buffer to have and prevents me from picking up a McDonald’s application when the work starts to dwindle.

Multiply your baseline income by how many months you want to save for. Most people with variable income should have between six months and a year’s worth of bills saved in an emergency fund.

Make your expenses the same every month.

One of my favorite ways to regulate my finances has been budget billing for our utilities. Most gas, water, and electric companies allow you to pay the same amount every month instead of the amount you use.

Having budget billing has simplified my finances since I know our water bill will be static, no matter the season. I don’t have to worry about high gas statements in the winter or AC costs in the summer. Contact your energy company to see if they offer this service.

Look for other ways to normalize your bills so that you have the same expenses each month.

Save by percentage, not dollar amount.

Writer Jackie Lam of Cheapsters became a freelancer after she got laid off at her full-time gig. To make the transition smoother, she started saving a percentage of what’s left over after she’s paid the bills, instead of a specific dollar amount.

For example, instead of saving $200 a month for a vacation, she sets aside 5% of her budget. Using percentages makes it easier to hit her savings goals, even if she hasn’t had the most productive month.

In busy times, she might save more than $200, and during slowdowns she might only save $100. That percentage tends to average out over the year.

It’s a way to feel a little more secure and avoid feeling like a failure if you don’t hit a set dollar amount.

Be your own CEO.

If you really miss the stability of office life, consider paying yourself a salary. Once you’ve calculated your baseline, it’s simple enough to choose a stable wage to take going forward. Overage income can be applied to your savings, while consistently coming in under budget can be a warning sign that it’s time to take a pay cut.

This isn’t exactly the most efficient method listed, but it can take a lot of psychological weight off of planning your finances. It’s simple. Pay yourself a little less than you typically make and save the rest.

Do you live on a variable income? How do you make it work? What’s your favorite budgeting technique? Let us know in the #Adulting community on Facebook.

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The things you do each day are draining your finances. Here are the things you need to stop doing. Now.

There is a mind-numbing range of mindless and expensive habits that get in the way of creating long-term and sustainable financial success. 

Let’s be honest. Most of us have financial habits that we have fallen into blindly because we’re not honest about the habits that may be getting in the way of our financial future.

The following three habits are so expensive that it may be time to kick them to the curb:

Fake hair.

The first one is tied to self-esteem. I totally get it, but your expensive fake hair habit is making you broke.

My hair broke off really badly and I needed a way to feel good about myself so I started wearing fake hair. Fortunately, this isn’t that big a deal, but my hair loss was a demoralizing experience.

I accepted that to get a great fake hair look that I would have to pay through the nose and so I paid big bucks (for me) to achieve the right look.

Like me, there are a lot of women who are dealing with hair loss or just would like to achieve a different look and spend way too much on their fake hair. I didn’t realize I had this habit and felt like I managed the expense really well.

I would stretch the times between getting an expensive weave and would try to consistently care for my fake hair with constant TLC.

But, what I didn’t realize was that I was paying too much for weaves and fun lace-front wigs and I discovered that I could get the same look for 75% less than what I was spending.

Instead of paying between $175-$200 for a weave or lace-front wig (including shipping), I discovered that there are inexpensive options that create the same look for less!

I discovered the amazing world of YouTube low-cost wig reviews. There were wigs that looked the same as what I was buying before, but for $30. It was a life-changing information.

I jumped on that savings, I still feel good about myself, and my wallet loves me for it.

Recreational pot habit.

One of the most expensive habits of all is a pot habit. You should break the weekly pot habit ASAP. 

Hey, I’m not judging you. I’m from Colorado. But that legal bud is not cheap.

If you’re smoking a bowl a couple of times a week, getting the newest in pot-related gear, and snacking like it’s going out of style, it may be time to do an audit of how much you’re spending on your legal weed.

According to the Colorado Pot Guide, the cost of an ounce of pot ranges between $100-$300 dollars depending on where you purchase it.

If you purchase just one ounce a month you’re spending $1200-$3600 in pot each year. That’s almost like shoving $20 bills into your bong and smoking it up. And, we haven’t even factored in the snacking costs.

For many people who embrace the 420 life, the expense may not always be top of mind. And, I’m not saying what you should or shouldn’t do. But your pot habit can be painful to your bottom line.

Instead of always having a reserve at home perhaps you could just indulge at your favorite concert like everyone else does?

When factoring in the cost of pot also consider the potential for losing your job if your employer does drug checks. In Colorado, employers have the right to terminate employment for off-the-job cannabis consumption, even if it’s medicinal.

Lack of research before purchases.

The first two expensive habits were pretty specific. This one, though, applies to most people.

Many of us make big (and small) purchases without doing research. I can’t even begin to tell you what a difference doing basic research on my purchases has made to my finances. I’ve discovered that there is always a deal to be found on any item I want to buy.

For example, if you hope to purchase a car, spend some time researching the following: gas mileage, if the car has had any recalls, cost for maintaining it, and if there is a place where you could buy it for less than the listed price.

There is no reason to purchase clothing at the listed price. It always goes on sale. By researching ways to get rebates on spending, savings apps, and places where you could purchase the same items at a discounted price.

Research doesn’t have to be an annoying and onerous process. And it’s at the heart of how I have been able to save substantial amounts of money on trips, shopping, and even my home purchase.

Once you kick your expensive habits to the curb, you will be more likely to have more money to spend on things that really matter to you.

What are your expensive habits? How do you plan to break them? Let us know at the #Adulting community on Facebook.

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Financial stability is a requirement for successful adulting. Here’s how you achieve stability and recognize it when you are stable.

If financial independence is the dream, financial stability is the first adult step along the path towards that vision.

On the final day of the year, fifteen years ago, I returned home from a weekend away to find my belongings on the lawn in front of the house I was renting. (I used the Internet Archive’s Wayback Machine to fact-check myself using my old, anonymous personal blog, my first time reading those entries in over a decade.)

My roommate thought I was moving out at the end of December, and when I wasn’t around, she moved two people into the room I had been occupying for several months. I had been planning to move out at the end of January, and the roommate knew this. But my name wasn’t on the lease, so perhaps she thought she could do whatever she wanted.

A later entry brought back the memory of a related event: I visited that apartment again ten days later to pick up a few remaining items, and the new occupants were moving out because that roommate committed some kind of check fraud. But I digress…

Being forced out of my living space with no notice on New Year’s Eve was the end of a particularly bad year. I lost a job, lost my car, and lost my girlfriend. I had moved to northern New Jersey for a job I no longer had. I was in my mid-twenties, but I wasn’t financially an adult. I survived by spending on credit cards, avoiding student loan bills, and accepting help from parents.

With the necessity of moving in with family as 2001 became 2002, I vowed to turn things around for myself.

I wasn’t necessarily aware of the idea of financial independence, but thankfully, that is how I can describe my situation today. In early 2002, I just wanted financial stability. And I had to figure out how to get there.

How I became financially stable.

After college, I chose a career somewhere between education and nonprofit. The organization I was working for was meant to be a stop-gap while looking for a teaching position, but I did enjoy it, and I didn’t put enough effort into moving forward. It cost me more to work as a nonprofit employee than I was earning — and I wasn’t even spending a significant amount of money.

1. I found a new job.

Instead of looking for my ideal career, my priority was earning money and getting back on my feet, taking control of my situation. Nothing is permanent. I could work on my loftier life goals while at least working somewhere during the day that would allow me the flexibility to plan for the future.

Without a car, I was limited to jobs that were accessible by walking or by traveling on the train. I turned to a technical temp agency. That’s how I earned money over breaks during college, and I knew I had many skills that would serve me well in corporate settings. I found something right away — an executive administrative assistant at a major financial firm.

This had no relation to my degree, but it was a job. And it paid 50 percent more than what I was earning at the nonprofit organization. Theoretically, I could even stay involved with the activity I was passionate about on weekends while working a “regular” job.

2. I designed a budget.

My dad helped me brainstorm a basic budget on the back of an envelope. That’s how I remember the situation. This budget had to take into account paying off a cash advance from my credit card, consumer spending on my credit card, and my student loans. I intended to move out and be less of a burden on family as soon as possible, so I budgeted for rent, as well. And savings for the future.

Partly because I wanted to stick to my budget and partly because I needed some self-reflection time to recover from bad choices, I also saved money in the first few months of my new job by staying in a fortress of solitude.

The budget was essential for setting myself up for financial stability.

3. I tracked every penny.

I used free software to meticulously track my spending, making sure I was staying within my budget and paying my bills on time.

You can only have a clear picture of where you’re going financially if you know where you are. It is incredibly easy today to get a full snapshot of your finances at any time thanks to technology. Apps communicate directly and securely with banks, so you all you need to do is check your phone to see where you stand. The app adds your bank balances and subtracts your debt, and the result is your financial net worth.

And beyond your net worth, you need to know how that changes over time, so you track your income and expenses, too. Today, I use Personal Capital and Quicken.

4. I started saving for the future.

It wasn’t enough to have a bank account whose balance was increasing every month. My new job offered a retirement plan with a matching contribution. Always say yes to a matching contribution. It’s free money.

How do you know when you’re financially stable?

To be considered financially stable — a true sign of adulting — you must meet these criteria.

  • You must be spending less than you’re earning. It doesn’t matter which side of the equation you try to improve, but it helps to focus on both your expenses and your income. You can only cut your expenses back so far — but income potential is unlimited. When you spend less than you earn, you have a surplus. The surplus allows you to have some control.
    • Living paycheck-to-paycheck — spending every penny you earn — means you have no surplus and you are not moving towards flexibility or control.
  • You don’t have to be debt-free, but you must be paying down your debt and not accumulating any more. If you’re able to make your minimum payments on your debt and then some, you’re in good shape.
  • You’re not relying on loans or gifts from family. This is the cornerstone of stability. You can make it on your own, just with your income and your expenses. It’s true that you may be in financial trouble if your income disappears, especially if you’re only beginning to establish savings, but for now, you are making it on your own.
  • You are building your future through savings and investment. Your nest egg might not be too big just yet, but it’s growing. You’re putting aside extra money to create an emergency fund and you have a systematic transfer to an investment account, preferably a low-cost index mutual fund.
  • Your friends support your goals. Don’t waste time around people who give you a hard time for being responsible. Often, when one starts acting more grown-up, the friends still wading through adolescence grow bitter. Or maybe you’re the last one to cross the threshold into actual adulthood.
    • People reach this point at different times in their lives. I wasn’t financially adulting until I was in my late twenties. Some start when they’re 40. And I’ve seen some sixteen-year-olds who are taking control of their future I never would have considered.
  • You’re moving forward steadily in your career. How you progress is often up to you, even when are faced with resistance was you’re trying to gain more responsibility, authority, and compensation at your job. You do know that often you have to accept more responsibilities before being granted more authority and increases in compensation. This type of success proceeds at different speeds, but you should always be aware of where you stand, and you make decisions that move you forward.
  • You have health insurance and you take care of yourself. Your health and well-being affect your ability to have a life of any sort in the future, so you watch your health and have an appropriate health insurance plan. You see a doctor once every one or two years, at least, if you’re otherwise healthy, and you see a dentist and dental hygienist every six months. If you need work, you get it done.
  • You pay your credit card balance in full every month. Credit cards can be great tools for people who are financially stable. They allow you to time-shift your spending, just like the DVR time-shifts The Walking Dead. They allow you to collect cash back and points that can be used for travel. But only if you avoid interest charges, late payments, and pay your balance in full every month.
    • This could be considered an “advanced technique,” and many people start messing with credit cards before they are prepared to handle the responsibilities. So watch out.

Financial independence is the next step after financial stability, but it could take a lifetime to achieve. Imagine if you no longer had to rely on your job. Imagine if you could live the life that you wanted to live, go where in the world that you wanted to go, and do anything that you wanted to do — without any concern about what the financial consequences would be.

That is financial independence. And you can’t get there without financial stability first.

Are you financially stable? If so, when did you finally achieve it?

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Dream of life without money worries? It’s possible. But it probably means more work than you expect.

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Have you heard about financial independence? Probably. It’s a buzzword right now.

It’s not always to nail down exactly what it means, though. Financial independence means different things to different people.

In this episode, we talk about what it means to break your chains and get on the path toward money freedom — whatever that looks like to you.

Concepts

  • What does financial independence mean, really?
  • Can creating a situation where you enjoy life without too much worry be the same thing, even if you still work?
  • Do you need to be totally debt-free to be financially independent?
  • Why is financial independence so appealing?
  • Reasons money freedom matters so much.
  • A realistic look at what it takes to actually reach financial independence.
  • The need for planning when you want money freedom.
  • Tips for saving up for the future.
  • Financial realities and the hard work necessary.

This week’s “do nows” are all about figuring out what you want your money to do for you. Instead of viewing money as the end result, it’s about changing things around to use money as a tool to help you get what you want from life.

On top of that, it includes an exercise in self-reflection. Be brutally honest about what’s holding you back from financial independence.

Our listener question is all about the worth we assign people based on their net worth. You don’t need a big pile of money to feel good about your life and your finances. Here’s how to stop treating money like a competition and feel secure in your own choices.

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Resources

Why is it so hard to say no?

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You’re a grown-ass adult. It’s time to suck it up, get a job, and stop taking money from Mom and Dad.

According to a 2016 Fidelity study, 47% of millennials have received some sort of monetary support from their parents. This support was “most likely to take the form of help with a cell phone bill, utilities or groceries.”

The cost to raise children today is much more expensive than ever before in history. In fact, between 2000 and 2010, the cost to raise a child increased 40% or $60,000. The most recent estimate from the USDA is that the cost to raise a child from birth to the age of 18, not including college, is $233,610.

If you’re taking money from Mom and Dad, you’re part of the problem. They’ve spent enough just to raise you, and now you’re asking for moar?

Every generation since the 1980s lives with their parents longer or boomerang back to the nest more frequently than the generation before them. Boomerang kids are now at its highest level since World War II.

When is enough enough?

Here are eight signs when it’s time to kindly thank Mom and Dad for their investment and walk away.

You have a job.

If you have a job, start cutting back on your parental monetary fund. Even if you only cut back a little at a time because you’re starting your career, the goal should be to become fiscally independent as soon as reasonably possible.

If you find your fiscal dependency is scheduled to last in perpetuity, you’re not doing it right.

You don’t have a job, but should.

If you don’t have a job but should, it’s time to grow up and get a job. Over time, complaints about the economy, who’s president, who’s not president, fairness or unfairness of life are excuses.

As entrepreneur and author Ryan Blair said, “If it’s important to you, you will find a way. If not, you’ll find an excuse.” Over time, you own your lack of employment or your underemployment.

Stop taking money from Mom and Dad and get make your own money. Everyone will be much happier in the long run.

You hear your parents fighting about money.

As much as the cost of having and raising children have grown, so too has the cost of adulting.

Adult expenses, such as healthcare, medicine, and taxes have grown and wages have not. This means it’s harder and harder for Mom and Dad to get by from paycheck to paycheck.

By 35%, money is the leading cause of stress in relationships. Don’t add to Mom and Dad’s financial stress by being a financial leech. If you hear or sense financial friction between Mom and Dad, it’s time for you to become economically independent.

Your parents drop hints that it’s time you pay your own way.

It’s often hard for parents to push their kids fully and completely out of the proverbial nest. Therefore, they’ll drop sly or even passive-aggressive hints that it’s time you pay your on way.

If you hear comments such as “It would be nice if someone paid for me once in a while” or “It’s nice you have all that money (even when you don’t pay for a thing),” it may be time you paid for your own things.

Stop taking money from Mom and Dad when even they have exhausted their patience. You’re not that special.

Your parents are approaching retirement.

It’s more expensive to retire in America than ever. This trend has continued for decades over many presidential administrations.

Older Americans are finding it harder to hold onto jobs, if they can even retain incomes that keep up with the rate of inflation. As housing, healthcare, and prescription drugs costs increase, Social Security becomes less and less helpful.

Many parents have sacrificed retirement nest eggs to put children through college. As you may be struggling with student loan debt, Mom and Dad may be struggling with retirement insecurity.

As your parents approach retirement, within maybe decades, it’s time to stop stealing from their future.

Put on your big-person pants, stop taking money from Mom and Dad, and become a contributing member of society.

When your parents are in retirement.

If your parents are in retirement and you’re still taking their money, stop.

When you have nicer things than your parents.

If any or all aspects of your life (think: car, vacations, home, phone) are nicer than your parent’s, then it’s time to stop relying on parental funding.

Sure, mom may not need or want the new iPhone and dad may hate the idea of taking on a new car payment. That doesn’t mean they want to forsake a fat retirement account for your “phat” lifestyle.

If you’re living like The Kardashians and they’re living like Rosanne and Dan Conner, it’s time to cut the purse strings.

When you can cover your own essentials.

There will always be parents who can’t stop giving money to their children and grandchildren. It’s cute when grandparents give money to grandchildren. It’s not cute when parents give money to adult children.

While there may be many reasons for their drive to do so, there’s one reason to make them stop. You don’t need their money.

These are just a few of the reason to stop making Mom and Dad take care of you. At some point, it’s not their responsibility to take care of you. You need to stop taking money from Mom and Dad.

Do both them and yourself a favor and make this decision independently. And do it sooner rather than later. You’ll both be happier for it.

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My finances weren’t a shitshow when I hit 30, but they certainly weren’t as good as they could have been.

We all have regrets.

After I made it through my 20s, I had my own share of regrets — including financial regrets.

While my finances weren’t a complete shitshow at the end of my 20s, they still weren’t where I wanted them.

If I could go back to my 20s, there are a few smart money things I’d do differently:

Start a retirement account much earlier.

Even though I had the option to save for retirement early in my 20s, I didn’t.

In fact, I didn’t start saving for retirement until I was in my mid-20s. I missed out on more than five years’ worth of tax-advantaged compound interest as a result.

I’d have about $30,000 more in my retirement account today if I’d started earlier.

Over time, that compounds even further, meaning I’ve left hundreds of thousands of dollars on the table. All because of that decision not to start a retirement account earlier (and take advantage of a match offered to me at one point).

The smart money is always on investing early and often, and getting it in a retirement account with tax advantages.

Figure out my priorities.

I spent a lot of time in my 20s not really knowing what I wanted. I didn’t even try to figure out what I wanted.

Instead, I followed a prescribed path: get married, finish college, have a baby, buy a house. It didn’t even occur to me to think about whether any of these things made sense for me or meshed with what I wanted in life.

In fact, if I hadn’t bought a house in my late 20s, I’d been in a better financial position today. I’d have been able to invest more, and I wouldn’t have had to pay $10,000 to unload the house when my ex and I made fast decision to move across the country.

There’s nothing wrong with buying a house, but you should know why you’re doing it, and make sure it fits with your lifestyle goals.

One of the smart money moves I made when I got into my 30s was to sit down and decide on my priorities — and revisit them regularly.

Spend consciously.

If I’d understood my priorities, I would have changed the way I spent money. The key to making better financial decisions for your own life is understanding your priorities and spending consciously.

I spent a lot of time and money on things I didn’t really think about. One day, I looked at my cluttered house and realized that I could have gone to Europe — twice — if I hadn’t bought a bunch of random shit without thinking about it.

Impulse purchases are a huge part of the way most of us make spending decisions, and I did a lot of pointless spending in my 20s.

Today, I think about my purchases. I ask myself if an expenditure will help me reach one of my goals, or if it is completely necessary. By thinking about purchases, I reduce the financial waste in my life and I ensure that I have more money to put toward the things I really value.

Track spending.

On top of spending more thoughtfully, I also wish I had tracked my spending. I had no idea where my money was coming from, and where it was going.

Without knowledge of what I was doing with my money, I didn’t fully realize how much I was spending. I didn’t see patterns in the way I managed my finances. As a result, I wasted a ton of money (and time).

If you haven’t started tracking your spending, it’s a smart money move you can make today.

Borrow less.

I treated debt as though it was my money instead of someone else’s money. I borrowed even when I didn’t have to. With a full-tuition scholarship and a cushy on-campus job, there was no reason for me to get student loans. But I took them and spent, spent, spent.

I maxed out credit cards in the name of shopping and road trips. Even after I married, my ex and didn’t have a problem borrowing more than we should have.

It’s hard to find a smart money move that beats having as little debt as possible. When you’re in debt, you pay interest instead of earn it, and that, again, means you miss out on benefits of putting your money to work for you.

Learn about investing.

Even after I finally opened a Roth IRA, I still didn’t take the time to learn about investing. That was a huge mistake.

If I could do it again, I would read up on investing, learn about index funds, and do more with investments. It would have meant a lot more money in my pocket today and in the future.

Now, I use investments to help me meet a number of goals, from my emergency fund to my travel fund.

Do yourself a favor and learn about investing right now. Just understanding the basics can go a long way toward helping you build wealth for tomorrow.

Work more (or at least work smarter).

I took off work whenever I could during my 20s. Mostly, I took work off to have fun. Which meant that not only was I not earning money, but I was spending it, too. (Yikes. Spending money I didn’t even have.)

While I didn’t need to get rid of all my fun, the fact of the matter is that I had a serious case of FOMO. I did everything any one of my friends suggested. I was the only person that went to each event. I could have worked a couple more shifts a week and still maintained a social life.

At the very least, I could have learned to work smarter. Sometimes it’s not so much about the amount of work you d as it is about the way you do it.

A few things I did right in my 20s.

Even though I could have made more smart money moves during my 20s, that wasn’t a completely lost decade.

I did manage to do some things right, including:

  • Started a debt pay down plan. Thankfully, I realized that I needed to change things up before I hit 30.
  • Bought proper insurance coverage. My ex and I bought life insurance when we married so we would be covered (and our son would be cared for).
  • Started a businessI think it was a smart money move to start a business while in my 20s. I’ve been able to build my desired lifestyle as a result.
  • Paid attention to my creditWhile I didn’t need all the debt, I did do a good job on my credit. I made payments on time, and I had a diversity of accounts by the time I reached 30. As a result, I’ve been able to do pretty much anything I need to.

If you’re in your 20s, don’t be stupid with your money like I was. Take some time to think about your finances, and get off to a good start.

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It’s possible to pursue a passion and earn a living, whether the two endeavors are linked or not.

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Is it possible to earn money AND do what you love? Even if you’re able to figure out what your passion is, do you really believe that if you pursue your passion the money will follow? Sometimes, it’s possible, but not always the same way motivational speakers lead to you believe. Pursuing your passion is important, and possible, but earning a living may be related to your passion and it may not be.

Our guest for this episode is Stefanie O’Connell. She is the author of The Broke and Beautiful Life, and is a millennial money expert. Join her free seven-day cash confidence challenge.

Listen to just the audio by using the player below.

Hosted byHarlan Landes and Miranda Marquit
Produced byadulting.tv
Edited and mixed bySteven Flato
Music bybensound.com

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