Don’t ever accept the first offer. Instead, negotiate a better deal — no matter what it is.

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

Joining Miranda and Harlan for Adulting.tv LIVE! is Rebecca Neale, Personal Finance Lawyer. An expert in negotiation, Rebecca is our guest today to discuss tips and tricks that are going to help you in all aspects of your life. (Plus, get a bonus from Rebecca by heading to https://promos.brilliantnegotiator.com/adulting.)

We talk about how to negotiate everything from a better price at the store to your next car. We also look at some of the ways you can sabotage yourself when you negotiate, as well as the biases against you as you head into your next negotiation.

Rebecca Neale is a lawyer who has been negotiating settlement agreements in court cases for a decade. Her superpower is her poker face. She owns her own law firm and focuses on divorce, custody, estate planning, and consumer rights — where she works one-on-one with clients, to help them navigate some of the most difficult chapters of their lives. Rebecca practices law in Massachusetts and assists people nationwide with non-legal advice on negotiation. For more information on her law firm, visit http://thepersonalfinance.lawyer/

Watch the video, recorded live, above, or listen to just the audio using the player below. Don’t forget to subscribe to the podcast!

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

Like what you’ve heard?

Join other #adults who receive free weekly updates.


For a limited time you’ll receive our new book, The Best Bank Accounts for Adults, when you sign up!

You think you need the same bling as your neighbor. But what if instead of keeping up with the Joneses, you’re actually keeping up with the Joneses’ debt?

I used to spend a lot of mental energy comparing my life to other people’s lives.

My home was never good enough. My clothes never had enough labels. And no matter how hard I tried, I could never live up to the people that I was comparing myself to.

Are you jealous of the Joneses?

I discovered the hard way that always trying to keep up with other people set me up to lose.

I didn’t have as much money as the people I was comparing myself to. I wanted their stuff, though. So I tried.

I didn’t have enough resources. Each time I tried to keep up with these people, I lost financially.

Why?

Because I had to use debt (credit) in order to pay for the stuff that the Joneses had, but I didn’t.

That sucked.

The long-term pain of those financial decisions that I made just wasn’t worth it. It has taken years to pay off the debt that I got into trying to keep up with people who could care less about how I lived my life. The certainly didn’t care about my financial well-being.

I had to hit financial rock bottom in order to change my perception of what was important for me financially.

I was broke, my mom had lost her job, and I was working at Starbucks trying to keep it all together. I was getting constant calls from creditors wanting their money and I wasn’t able to live up to my obligations making $9 at Starbucks.

At that point, I really hated the Joneses and I hated all of the bad financial decisions that I made trying to live a financial lie. Every day those financial lies bit me in the ass. Painful.

In retrospect, I wish that I’d just been honest about the fact that I was jealous of the Joneses.

No one cares about your finances as much as you do.

The Joneses don’t care about your finances.

Seriously, they really don’t. Especially if they’ve never met you.

Let’s be real. The Joneses (and everyone else) focus on their own personal finances. It is baffling to me how many people go into debt to purchase a lifestyle that they can’t afford to impress people that don’t know them.

So, I spend a lot of time being baffled by my own bad financial decisions trying to look cool for people who didn’t know me and weren’t invested in me having a strong and healthy financial life.

Think about every time you rushed to buy a new outfit for that trip that you’re going on two months from now. The people in that town have never met you, but you’ve made a decision to buy new clothes for people who have no clue what you were wearing before they met you. I used to do this. I would go on a trip (that I charged), then get new clothes (that I charged) and then go on a trip and meet great new people. Dumb.

The people in that town have never met you, but you’ve made a decision to buy new clothes for people who have no clue what you were wearing before they met you. I used to do this. I would go on a trip (that I charged), then get new clothes (that I charged), and meet great new people. Dumb.

These great new people don’t care that you bought a new outfit to impress them. They’d like you no matter what you wear.

It really pains me to think about this every time I send a payment to a creditor. What if I had saved that money and just paid cash for the same experiences, clothing, and trips? I feel like I made a deal with the Credit Devil. And the Credit Devil was laughing at me each time I made a bad financial decision based on envy.

What if I had used that money to pay off (or, at least make a dent) in my student loans? I realized that focusing on other people and what they had resulted in giving up my financial power to other people.

Are the Joneses really that rich?

Here is the final, and hopefully, most compelling reason you don’t need to keep up with the Joneses (or Kardashians): you have no idea what their financial reality really is.  

It is very easy to look wealthy without actually having cash money.

It’s also very easy to have money and lose it all.

Let’s work through a list of people who earned a ton of cash, people we all envied, but were actually broke or ended up broke.

  • MC Hammer: He tried to lift up an entire community by basically hiring an entire community. His heart was definitely in the right place. But he ended up going bankrupt even though he made millions of dollars.
  • Famous athletes: As reported by Sports Illustrated, almost 80% of professional athletes go broke once they retire. These are guys who typically earn millions during a short, sexy career running with or kicking ata ball. For those of us who cheer them on, it’s hard to wrap our heads around the idea that they could ever go broke. But, the numbers don’t lie. A majority of them do.
  • 50 Cent: This one falls under karma. He wrote a whole song called “Window Shopper” that basically shamed someone for window shopping.

Check out some of the lyrics:

“Man you’s a window shopper

Mad at me, I think I know why

Man you’s a window shopper

In the jewelry store lookin’ at shit you can’t buy

Man you’s a window shopper

In the dealership tryna get a test drive

Man you’s a window shopper Mad as fuck when you see me ride by.”

Nice.

Of course, he had his own financial troubles.

Here’s some real talk. No one will care about your money as much as you do.

No need to keep up with the Joneses when you know your financial stuff.

It is now easier than ever to get what you want for a lot less through comparison shopping, savings apps, and old-fashioned financial discipline.

Spend time learning how to manage your cash and grow your income.

And, always remember: unless you can get up close and personal with someone’s financials you never know what’s behind their financial curtain.

Don’t make financial decisions that will hurt you in the long run, trying to live someone else’s reality. Live your own reality-for less. Challenge yourself and see what you can make happen.

Like what you’ve read?

Join other #adults who receive free weekly updates.


For a limited time you’ll receive our new book, The Best Bank Accounts for Adults, when you sign up!

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.

The best way to support Adulting.tv is to subscribe and leave us an honest review. Thank you!

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.

Become a Friend of Adulting

To get Adulting delivered directly to your device, subscribe using iTunes, Stitcher, Google Play, or your app of choice.

Join the Friends of Adulting! Please leave an honest review on iTunes. We would really appreciate the feedback!

Like what you’ve heard?

Join other #adults who receive free weekly updates.


For a limited time you’ll receive our new book, The Best Bank Accounts for Adults, when you sign up!

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.

Like what you’ve read?

Join other #adults who receive free weekly updates.


For a limited time you’ll receive our new book, The Best Bank Accounts for Adults, when you sign up!

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?

Like what you’ve read?

Join other #adults who receive free weekly updates.


For a limited time you’ll receive our new book, The Best Bank Accounts for Adults, when you sign up!

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.

Like what you’ve read?

Join other #adults who receive free weekly updates.


For a limited time you’ll receive our new book, The Best Bank Accounts for Adults, when you sign up!

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.

Like what you’ve read?

Join other #adults who receive free weekly updates.


For a limited time you’ll receive our new book, The Best Bank Accounts for Adults, when you sign up!