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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Used from: $16.32 USD In Stock

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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Your resume probably needs a little help. Take it up a notch and make a resume that will get you hired.

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Looking for a new job? You need a resume. You need a great resume. Your resume needs to showcase your skill and present the case that you are perfect for the for the job.

So how do you create a resume that gets the job done? You have to be aware of the latest trends in resumes, as well as understand the importance of having your resume available in different formats.

Concepts

  • How resumes have evolved over time.
  • Using LinkedIn for your resume.
  • Should you create a multimedia resume?
  • Tips to create a resume that works well as a digital or hard copy.
  • Items that should included on your resume.
  • Tips to create a resume with a clean, readable design.
  • How to use keywords in your resume.
  • Ideas for tailoring your resume for the job.
  • Things you shouldn’t do on your resume.

If you are ready to create a resume, this week’s “do nows” will get you on the right track. Start by scrapping your current resume and starting from scratch. Google yourself to get an idea of what others see when they search you. And, while you’re at it, complete your LinkedIn profile.

Our listener question this week focuses on using career sites to find jobs. What should you do with the resume you build through the career site?

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Resources

Things to stop putting on your resume
Employers using social media to screen applicants
Tools that can help you create a multimedia resume

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Looking for love, sex, or intimacy? It all starts with a first date. Don’t screw this up.

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There are few things in life as nerve-wracking as a first date.

Could this person be The One? What if you mess up and say something stupid? What if it’s a complete disaster and you just don’t connect with the other person?

Any first date can be fun when you approach it with an open mind and try not to put too much into it. Even if you don’t find true love, you might be able to make a new friend. And that’s worth trying to make a good impression.

Take a deep breath. Step back. It’s time to explore the world of dating.

Concepts

  • Why do we to on dates?
  • The difference between being genuine and being a pickup artist.
  • Understanding boundaries.
  • Tips on things you can do to make a good impression on a first date.
  • Things to avoid on a first date.
  • The importance of following up if you are interested.No game-playing.
  • How to decide when it’s time to friend each other on Facebook.
  • What to do if things don’t work out like you hope.

“Do Nows” this week are all about taking action to get started. We talk about setting up an online dating profile and scouting good first date locations in your town. Also, make sure you do a little self-reflection to ensure that you are comfortable with yourself.

This week’s listener has cold feet about a potential first date. What happens when you think you might want to back out?

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Resources

Scientific Guide to a First Date

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It’s that you’re drinking. It’s how you’re drinking. Get more out of each sip once you learn the secrets of drinking for adults.

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According to the National Institutes of Health, young adults are likely to engage in heavy binge drinking behaviors.

There’s nothing wrong with knocking back a few with your friends. Drinking is a way to unwind, relax, and be social. The problem isn’t that you’re drinking. It’s the way you’re drinking.

Drinking for adults is all about being responsible and trying to avoid behaviors that could hurt you and others. Or damage your long-term health.

Concepts

  • A look at some of the physical health problems that come with heavy drinking.
  • Understanding the mental health problems that accompany heavy drinking.
  • Concerns about loss of control and safety.
  • Tips on drinking for adults so you don’t end up in a bad situation.
  • Best practices when it comes to drinking.
  • The importance of being a good friend in drinking situations.

This week’s “do nows” require you to take a hard look at your drinking behaviors. Have they slipped into something unhealthy? We offer tips for cutting back, and how to tell when enough is enough.

Our listener is tired of just getting drunk when going out with friends. We look at alternatives to getting trashed just to get trashed, and how to approach your evolving entertainment needs with your friends.

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Resources

Young Adult Drinking
Health impacts of heavy drinking

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Clipping coupons isn’t going to solve this poor AF budget situation. You need some serious strategies for climbing out of this hole.

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One of the first things personal finance experts tell you when it comes to saving your money life is to trim the fat from your budget.

It’s all about looking for savings. Free up that cash. Cut all the things!

The problem with this approach?

Once you get right down to it, there’s only so much you can cut from your budget. Eventually, you’ll be down to the bone, with nowhere left to go. At that point, you need more than someone telling you the secret is in saving $5 a week on your groceries with coupons.

If you’re poor AF and wondering where to go next, there is hope. It takes planning, work, and time. It’s not fun, but it’s doable.

Concepts

  • How to know that you really can’t cut any more from your budget.
  • How chronic health issues and other circumstances can limit your choices.
  • Why it’s so difficult to get back on top once you start falling behind.
  • The importance of finding ways to earn more income.
  • Tips for looking for a second job.
  • How to use the sharing economy to make a few extra bucks.
  • Ideas for home-based ways to earn money.
  • Ideas for side hustles that can get you earning almost instantly.
  • Community resources to look for when you need help stretching your budget.
  • How to approach your support system and loved ones for help.
  • Tips for approaching your creditors to make payment arrangements.
  • The importance of getting psychological help when you need it.

This week, the “do nows” revolve around honestly evaluating your situation and making a list of your resources. What can you expect in terms of help from others? What are the realities of your budget situation. We’ll help you figure out where you are right now so you can begin making a plan of attack.

This week’s listener question is about a circumstance many of us can relate to. What happens when you fall behind and things just keep piling up? What do you do? We take a look at the options, and how you can take small steps today to start breaking the cycle.

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Beth Kobliner, author of Get a Financial Life: Personal Finance in Your Twenties and Thirties, discussed retirement, credit, and basic personal finance.

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Miranda and Harlan are pleased to welcome Beth Kobliner to Adulting.tv. We discuss the actions you can take today to set yourself up for financial success in the future, and why you need to start thinking about the future right now.

One of the topics we cover is retirement. Regardless of how difficult it seems, there are ways to start putting away a tiny bit of income for retirement, and Beth shares exactly how that can be done. We also discuss other financial basics, including tips for improving credit even without a lot of experience with money.

Beth Kobliner is a commentator and journalist, and author of the New York Times bestseller Get a Financial Life: Personal Finance in Your Twenties and Thirties. Her guide for parents, Make Your Kid a Money Genius (Even If You’re Not!), was published by Simon & Schuster in February 2017. Kobliner has been a staff writer for Money magazine and a contributor to the New York Times, the Wall Street Journal, Redbook, Glamour, Reader’s Digest, and O, The Oprah Magazine.

She also served as a content advisor for Sesame Workshop’s financial education initiative, offering on-air money advice to Elmo. Kobliner was selected by President Obama to serve on his Advisory Council on Financial Capability for Young Americans.

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

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

You work too much for too little pay. It’s time to ask for a raise. But you have to do it right.

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You work hard. You provide value to the company. But you’re still being paid like a noob. How do you ask for a raise?

Because it’s not going to just show up for most of us. Most of us have to ask for more money. It’s never fun, but it needs to be done.

If you want more from work — whether it’s a raise or a promotion — you need to prove your value and then take your evidence to the boss. In this episode, we’ll talk about how you can do that.

Concepts

  • How to recognize that you actually deserve a raise or promotion.
  • Tips for figuring out how to quantify your contributions.
  • Reasons it’s time to ask for a raise.
  • When to approach your boss about a raise.
  • What you need to know about the process of asking for a raise or promotion.
  • How to make a presentation to your boss.
  • Suggestions for what to include in your presentation.
  • How to focus on your value to the company.
  • Tips for compromising on the amount of the raise.

Our “do nows” this week are all about reflecting on the reality of your situation and paying attention to the value you offer. We also take a look at how you can assess when the best time to ask for a raise is.

A listener also has a question about how much work has been piled on. We talk about what you can do if your boss isn’t willing to acknowledge your work, even though it’s the right thing to do.

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Resources

When to approach your boss to ask for raise
Are you ready for a raise?

Like what you’ve heard?

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