You’ve got time in your 20s to figure all of this out. Make some mistakes, but find some answers by 30. Read More...

Turning 30 is often treated as one of life’s great tragedies — the end of youth and a step closer to death. Morbid, I know.

Well I’m going to be 30 next month. Before you begin offering your condolences, though, let me assure you that I’m perfectly okay with it. In fact, this milestone has made me reflect a lot on how far I’ve come in the last 10 years.

I might not have all the answers, but I’ve learned a lot of important lessons that have helped me to embrace this new older, allegedly wiser me. Whether you’re still living up your 20s or are nearing the big 3-0, consider these important realizations you’ll undoubtedly have along the way.

1. Family is really important.

Families come in many sizes with varying levels of dysfunction. And family doesn’t always mean your biological relatives. They’re the people who annoy the hell out of you but you love unconditionally. And the older you get, the more real-life shit you’ll encounter that makes you appreciate the fact they’re in your life.

2. Your body has flaws and it’s not that big of a deal.

For most of my 20s, I agonized over every little perceived defect I could find about myself — so much so that I never really appreciated how awesome I actually was.

Now, I might not be 100 percent happy with my body (who really is) but I am much more accepting of it. And I can say with certainty that life is way more fun when you stop caring so much about whether you have a flat stomach or flawless skin.

3. Happiness can’t depend on someone else.

Whether it’s the approval of a parent or the love of a partner, you’ll find that chasing validation from others will never make you happy, no matter how hard you try. You can’t change the people in your life. Instead, find your passion and learn to derive happiness from what you can control: your own actions and accomplishments.

4. You can’t party like a 20-year-old.

When I was in my early 20s, I didn’t get hangovers. Now a hard night out leaves me feeling near-death for at least 48 hours. Sometimes a quiet night in with Netflix and a beer is much more appealing than going bar crawling or clubbing. And that doesn’t make you any less cool (that’s what I tell myself, anyway).

5. There are no more excuses for poor money management.

Debt is bad. Saving money is good. You spent your 20s learning these two basic principles of personal finance — likely through trial and error — so there’s really no excuse for neglecting your 401(k) or relying on your credit cards anymore. Get it together.

6. You’ve figured out what you want to be when you grow up.

Important Lessons You Must Learn By 30

In your 20s, you had jobs. In your 30s, you have a career. Years of boring, unfulfilling, or otherwise soul-sucking work helped to teach you what it is, in fact, you want to do with your life. You know what you’re good at, what gives you a sense of purpose, and you’re ready to pursue your professional goals head-on.

7. It really doesn’t matter what others think of you.

Maybe you lead an unconventional lifestyle, or have made choices your friends and family disagree with. Maybe you go grocery shopping in worn out yoga pants and no makeup.

You will always be judged by others for what you do, what you look like — for who you are. That will never change. The most liberating realization you will have right around age 30, however, is that it doesn’t fucking matter.

8. You need to make your health a priority.

Okay, so you’re more accepting of your body and care less about what other people think, but let’s not go overboard. You want to make it to your 40th birthday.

Every year of your life past the age of 25 makes it exponentially more difficult to maintain your health. I can look at a piece of pizza and gain five pounds and it takes me a couple more minutes to run a mile these days. I make it a goal to eat clean and exercise regularly — for the most part — because I know it will only get harder from here.

9. Sex gets way better.

I’ll just leave it at that. I might be a few days shy of 30, but I’m still worried my mom might be reading this.

10. Toxic relationships aren’t worth your time or energy.

The older you become, the fewer fucks you will have left to give. In fact, you probably gave out way too many in your 20s and now have to be super conservative with the rest. If a relationship costs you your emotional health, peace of mind, or values, you can’t afford to keep it.

Your 30s should be some of your best years. You’re too old to keep making the same stupid mistakes, but too young to be completely jaded. Find joy in the fact that you’ll someday get over your naïve 20-something phase and finally be — almost — comfortable in your own skin. I know I do.

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!

How to find your new BFF. Read More...

Are you finding it harder to make friends now that college is over?

As life picks up pace and as you know longer have the shared activities of high school and college, you might find yourself drifting away from your old friends.

Unfortunately, it can be difficult to make new friends as an adult. You have the pressures of career, relationships, and you might even be starting a family. You might also be mobile, and moving around as you look for work or adventure.

If you’re starting to feel like you want to make new friends, there is hope. And this episode will talk about how you can make good friends even if you think your peak friend years are over.

Concepts

  • A look at how you make friends when you’re younger.
  • Why are relationships so hard to maintain as you get older?
  • Ideas on where to go to make new friends.
  • Tips for interacting with people in a way that allows you to develop meaningful relationships.
  • How to figure out what you’re looking for any friend.

Become a Friend of Adulting

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

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

Resources

The New York TimesWhy it’s harder to make new friends as an adult
Stanford UniversityCenter on Longevity

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 can learn many lessons about being an adult from a teenager. This teen may even be a better adult than you are. Read More...

What makes an adult?

According to society and government, once you reach age 18 you are considered an adult. You can make your own decisions and sign legal documents. But just because you are a certain age, does that make you an adult?

While you might technically be an adult, the actual act of adulting is a little bit harder. Functioning as a successful adult requires more than just turning 18.

In fact, as I look at some of the things so-called adults do (or don’t do), I realize that there is a lot that 21-year-olds can learn from my 13-year-old son. Hell, there are probably some days that my son is actually a better adult than I am.

Here are some of the life skills that my 13-year-old excels at, and will help him when he becomes an actual adult.

Time management.

If you want to be a better adult and more successful in life, time management is key. We all have days when we don’t want to get something done wrong we have a hard time getting a handle on the clock. The idea, though, is to do our best to plan ahead so that we can manage our obligations.

A couple weeks ago, my son and I were talking about our after-school day. I reminded him that I had a meeting to go to and that he would be on his own after dinner. He mentioned that he knew that he would need help with his homework and suggested that we tackle the homework first, before he practiced saxophone. Rather then springing the homework on me after I returned from my meeting, he thought ahead to all of what he needed to do that afternoon and took the initiative to make sure he had time for all of his obligations.

Sometimes we just run out of that time and we have to choose between different activities. That’s just life. Adulting is recognizing that sometimes you do have control over your time, and making sure you prioritize what is most important.

Do you have to be told what needs to be done?

My 13-Year-Old Is a Better Adult Than You Are

We only need direction sometimes, especially when we’re learning something new. However, if you want to be a better an adult you need to recognize that sometimes you just need to do what needs to be done without being told.

My son comes home from school and knows he needs to take care of certain things. He has music practice, fencing practice, and homework. I don’t need to tell him to get started on these things; even on days he doesn’t necessarily want to get going, you still getting started even if I’m not home too tell him to do so.

After I broke my wrist my son really stepped up, keeping track of when he needed to start the laundry and paying attention to what time to start dinner. In many cases, he saw would need to be done and went ahead and did it.

Eat healthy meals.

We all like junk food. I’d rather eat cake than make a salad. However, I know that macaroni and cheese for dinner every day and over processed foods aren’t good for me. So I don’t make them very often.

My son is learning how to be a better adult by making better food choices. When he make dinner, he includes a fruit and vegetable in addition to whatever the entrée is. He helps with cooking, and is capable of reading a recipe. Thanks to Blue Apron, it’s possible for him to see you what we plan to have and get step-by-step instructions on making a nutritious dinner.

Track your spending.

Maybe it’s because I write about money, but my son is already learning habits that many 20-somethings I know don’t have down. I recently got him a debit card, and he is very good about tracking his spending.

He also takes the time to think about what he wants to buy with his money. He almost most never makes an impulse purchase because he had a clear idea of what he hopes to use his money for, and the knowledge that if he uses his money on something today he won’t be able to buy something else tomorrow.

He’s also learning to give money to charity and set aside money for the future. He follows the stock market because he is investing in an index fund with his long-term savings money.

Finally, he’s constantly thinking of other ways to make money. He works hard and his 4-H projects so that he can earn ribbon money, and he helps out with administrative duties in my home office. He also has big plans for a YouTube channel and other online ventures. We’ll see if he follows through with any of them.

Obviously my 13-year-old is not ready for many of the responsibilities associated with being an adult. But he’s got a pretty good handle on things.

What do you think makes an adult? Are there some things that you see so-called adults doing that aren’t very adult-like at all? How are you trying to be a better adult?

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!

Just started a new relationship? Here’s how to tell if it’s already over. Read More...

As humans, we have a tendency to seek out relationships. This is especially true when it comes to romantic relationships. If you’ve just got out of one relationship you might be ready for something new.

Don’t just jump in, though. You don’t want your next relationship to crash and burn. Here are some red flags that might indicate that your next relationship is doomed:

You’re not comfortable with yourself.

If you don’t like yourself, there is a good chance that your next relationship will fail. Even if it doesn’t, it might not be a healthy relationship to be in.

Before you heat things up, make sure that you love yourself. Even though I have been dating a little bit recently, I’m not sure I’m actually ready for a new relationship.

I actually enjoy being alone with myself and getting to know who I am again. Before you embark on a new relationship adventure, Make sure you’re comfortable with yourself and that you like yourself for who you are. When You have those good feelings about yourself, and that confidence, you are more likely to find someone who respects and loves you for who you are.

You play games in a relationship.

Anytime there is game playing involved in a relationship, that’s a red flag. It can be fun to play games and it can make you feel good about your power.

Unfortunately, you make a relationship about power and games and who has the upper hand, there is a good chance that relationship won’t last very long.

Stop worrying so much about when it’s okay to call back and agonizing over how to construct every text. Be real and genuine and stay away from someone who is playing games with you.

You demand proof of love.

Many of us grew up on those princess movies that show the guy engaging in some huge attempts to prove his love. We’ve also seen these kinds of gestures from women trying to show men how much they are in love.

When you demand a proof of love that is extravagant or out of the ordinary, that’s a sure fire sign for a huge fail. There’s nothing wrong was wanting to do something big with your SO, for trying to surprise him or her. But when the relationship becomes more about the stuff and the surprise than it is about the little things that you do together every day, and the little things you love about your partner, that’s a big problem.

You never disagree.

5 Signs Your Next Relationship Will Crash and Burn

There is no way that you will always agree with someone all the time. In fact, if you always agree on everything all the time that’s a pretty good sign that someone isn’t being totally honest.

If you don’t disagree ever, you might find out down the road that you have very different ideas of what you want the relationship to be. Additionally, you might be surprised to discover that your SO has some pretty strong feelings that they never told you about in the interest of avoiding confrontation.

Healthy disagreement and an understanding of how to overcome these disagreements and compromise our parts have a good relationship. If you want to have a relationship that lasts, you need to figure out where your disagreements are, and learn how to work through them in a healthy manner.

You don’t agree on the big stuff.

While it’s true that you’re going to have some disagreements about some things, the really big red flag is if you have disagreements about some of the big core value things that you believe.

It’s one thing to disagree about what movie you want to watch on a Friday night or to have slightly different hobbies. In fact, having some different hobbies and a little bit of alone time can be good for relationship. The trouble comes in when you disagree about major issues and fundamental values.

I already know to avoid any online dating profile that says he is looking for more children. I don’t want more kids, so hooking up with someone who does makes no sense in my situation. Other fundamental differences that can impact your relationship might include how you handle money, your basic feelings of ethics and morality, and maybe even your religion.

Some of these big things can be worked out to compromise. I know plenty of Democrats and Republicans that are married to each other and somehow it works. There’re also plenty of mixed faith relationships that aren’t problematic. (Although this can change when kids come along.)

When you have fundamental disagreements about life and values those are very hard to overcome. If you find yourself realizing that you don’t want the same thing in the long-term, that’s a sure sign that your relationship is going to fizzle out at some point.

Before you start your next relationship, or if you’re in the early stages of a new relationship, double-check the situation. You don’t want to end up crashing and burning is starting to process all over again because you didn’t heed the warning signs.

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!

Letting go doesn’t have to be the end of the world. Read More...

Do you really need to do everything with your significant other? Is it really a sign of love if you can’t stand to be apart?

The reality of the situation is that sometimes it’s healthy to do things separate from your partner.

Another consideration is the fact that sometimes the relationship is over and you need to let go.

Both of these circumstances require that you overcome your anxiety related to confrontation or your worries about what would happen if the relationship ended. The end game should be a healthy relationship that both you and your partner fully enjoy.

Concepts

  • Reasons it’s important to develop your own interest and let your partner do the same.
  • Signs that it’s actually time to end the relationship.
  • Why is it so hard to let go sometimes even if you aren’t happy?
  • Tips for letting go when it’s time to say goodbye.
  • Tips for more effective exercise.

Become a Friend of Adulting

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

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

Resources

The Wall Street JournalWhen it never gets easier to say goodbye
Scientific AmericanWhen it hurts to be away
PsychCentralSecrets of happy marriages
Psychology TodayLetting a relationship go

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!

Can you survive a long-distance relationship? It can be difficult but rewarding, especially if you follow these tips to strengthen it. Read More...

Even though it’s been years since my husband and I lived in separate cities, I can still feel the aching feeling I had every time we said goodbye. The reunions were so sweet, but the departures felt as if we were breaking up.

Surviving a long-distance relationship can be an indicator of a good relationship, but it can also teach you things you didn’t know about yourself. It’s a learning process for your partnership.

Want to know how to make it through together?

Give each other space.

This probably seems crazy. “Give each other space?” you’re probably thinking. “But we’re already apart.”

When you’re in a long-distance relationship, the impulse to stay constantly connected is strong. But that can make you crazy and drive your partner away.

This is the best time to learn how to respect each other’s boundaries before you’re sharing a space. Don’t text, email, or call constantly. Set a schedule so that the other person can still have a normal life without worrying that they’re not getting back to you.

“Leaning on your partner too much is bad to begin with, but is multiplied when you have limited contact with each other,” my sister-in-law Kim L. said. Kim spent a year apart from her boyfriend after college.

Find shared interests.

While you’re apart, it can be hard to find things to talk about. The usual “how’s your day” conversations grow stale in the face of distance.

“After two weeks of being apart, it can be hard to find things to talk about on the phone — we just want to see each other again,” said my friend Brad Z., who spent months studying abroad in South Africa while his girlfriend was in the States.

That’s why it helps to do things together. That can be going to see the same movie when it opens, even if you’re in different cities. It can be sending articles the other person might like or listening to a new album and discussing it.

Constantly reminding the other person that you miss them makes for a boring conversation after a few weeks.

Make a life for yourself.

Instead of being sad that you’re apart from your partner, focus on what you can do by yourself. A friend of mine joked that she always got more studying done when her boyfriend was away. I used my time to watch “The Golden Girls” non-stop and spend as much as I wanted in antique bookstores and beauty stores.

“I wish I could go back and tell myself that it would be over soon and to enjoy Arizona rather than come home every night and remind myself how many days were left until it was over,” said my friend Audrie O., who spent a summer apart from her now-husband on an internship.

Finding your own network is also crucial if you’re an extrovert. Relying on one person for companionship is always bad, but it’s even worse if that person doesn’t live near you.

If you’re an introvert, use this time to recharge and focus on cultivating your hobbies and passions.

The good news is research shows that couples in long-distance relationships learn to communicate better than couples who aren’t. They also foster more trust, better discussions and greater intimacy.

“The distance forces you to focus on your friendship and your communication with the other person,” said my friend Joe R., who spent years in a long-distance relationship. “I think that these things lead to long-term success, because they kick in when the excitement and the newness of the relationship starts to fade.”

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!

Avoid unnecessary drama in your life. The distractions can be harmful to your health. Read More...

Some people just like to have drama in their lives. A little excitement can be good, but not if it harms your relationships and causes you turmoil. First, don’t be the drama queen in other people’s lives. Then, try to avoid drama coming from other people.

If you find yourself in the midst of drama frequently, find out why. Look for the cause, whether it’s you or the people you spend time with. Drama and pettiness can happen and destroy lives at work, at home, or with any type of relationship.

Listen to the episode for our ideas for things you can do right now to eliminate the unnecessary drama for your life and feel happier. This is the key to fulfilling relationships at home and at your job.

Concepts

  • How misunderstandings and miscommunication lead to drama.
  • What is drama, and what does it mean to be petty?
  • How to react to bad situations avoid causing drama.
  • Maintaining a high social standard.

Become a Friend of Adulting

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

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

Resources

NPRThe hidden brain: How miscommunications happen
Psychology TodayStop to drama queen cycle
ForbesTired of office drama?

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!

How do you know when it’s the right time for sex, especially with a new partner? Read More...

Adults can have sex whenever they both decide that they want to have sex, if everyone involved is capable of consenting, and if doing so would be legal.

Providing those two conditions are met, feel free to make your own choices about physical intimacy. But not so fast — at least not at first. The best decision is an educated decision, so there are some things you should know first about yourself and your partner, covering your attitudes, values, beliefs, and approaches to any consequences.

The decision to have sex may seem a little more complicated if it would be your first time with a particular partner — or first time overall. Give the following considerations some thought before taking a relationship to the next level of intimacy or adding sex where there may be no relationship at all.

Sex can even be an impulse decision if you’ve already gone through the process.

What is important to you?

Do you feel that you need to have a emotional connection with a partner before starting any physical intimacy? The first thing to think about is what you value in a relationship and what kind of beliefs you have. Your beliefs may be influenced by your parents, the community you grew up in, or input from other people around you. Everyone’s situation is somewhat different.

The first step is communicating your beliefs and your values surrounding relationships to your partner. You do not have to have the same opinions, but it helps to understand where the other is coming from. This goes a long way towards avoiding any emotional surprises later on.

You might even find that you think you feel one thing, but you find that later on, you change your mind, or you feel that your initial feelings were wrong. It’s good to recognize that as a possibility, regardless of how you feel today.

What type of relationship, if any, is important to you before you have sex? Do you want to act on purely physical arousal? Would you prefer to have an emotional connection before Netflix and chill? Or do you consider yourself a sapiosexual — a word I just recently learned — turned on by intelligence? There’s no right answer; it all comes down to what you like.

And if you don’t know what you like yet, you should feel free to experiment, make mistakes, and figure it out. On that note…

Do you feel pressured?

You shouldn’t let anyone pressure you. The decision to have sex is one you need to have the freedom to come to on your own first, then as a couple. Don’t allow your partner to manipulate you, make you feel guilty, or convince you to do something you’re not ready for. Communicate honestly about your desires, and expect the same from your partner. Trust goes a long way to making sure the sex you do have is enjoyable and fulfilling — and potentially amazing!

Pressure can come from outside the couple, too. Your friends may not be pressuring you outright or on purpose, but you might feel pressure just being within a group of friends who have a different approach to sex than you do. Try to separate your image of yourself from the idea of what you think people expect from you.

You could be pressured into not having sex, too. Keep in mind that as an adult, you have the freedom to say yes. It can be difficult to remember this if you have been receiving opposite messages consistently and repeatedly from people you trust since adolescence. Physical intimacy is not bad, evil, or inappropriate. It can be risky, but it shouldn’t be shameful.

A question I hear often is regarding the number of dates with the same person after which sex is expected. Sex should never be expected. You should wait until you feel you’re ready to be intimate with that particular partner. The number of dates is irrelevant.

How would you handle the consequences?

The Right Time to Have Sex

Starting or continuing a physically intimate relationship can have unintended consequences, so it’s best to think about what you would do personally in the event of each consequence, and then talk about what you would do as a couple.

If the relationship involves a man and a woman, pregnancy is a potential outcome. Have you given any thought to what you would do or how you would feel if you or your partner becomes pregnant as a result of your intimacy? Have you discussed this? And if not, are you taking enough precautions to try to prevent the situation? And then what happens if the preventative measures fail?

How familiar are you with your partner’s sexual history? And beyond history, what about the present? Are you both sleeping with other people as well? Basic information about other sexual partners is helpful to prevent the spread of STIs. Combine this knowledge with safe, protected sex, and you are setting yourself up for healthy sex. Condoms will help protect both against pregnancy and STIs, while birth control via pill, patch, implant, or some other means will only help avoid pregnancy. But there are no guarantees.

And while it may not be as important as these considerations, you might need to think about the well-being of others beyond your potential sex partner. Are either of you in emotional or physical relationships with others? How will your actions affect your other relationships?

Sometimes, the consequences might be nothing more than feeling awkward when seeing your partner under normal circumstances. Sometimes, even people who think they can handle being friends with benefits find that they’re uncomfortable around the other person or even develop a stronger emotional connection when they weren’t planning to. These consequences can be frustrating or they can be great — depending on whether everyone involved continues to share the same attitude and feelings towards the relationship.

The role of sex in a relationship.

Sex can strengthen a good relationship or add excitement outside of a relationship. It doesn’t solve all the problems throughout the world, and in fact, it can also harm others if it’s included in an abusive relationship. Avoid using sex as a bargaining chip or to control your partner’s behavior. But there are no rules other than what the law calls for, including the ability to consent.

Sex is meant to be fun! It’s all about pleasure and enjoying each other. If it doesn’t feel good, change something, don’t be nervous, avoid the pressure, and keep trying.

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!

Wait a minute. I can afford this now. This is what it’s like when you’re adulting. Read More...

A few weeks ago, I finally experienced what it’s like to be the “rich” friend. A group of girlfriends and I, people I’ve just met recently, were talking about going skiing. The trip can cost almost $100, including gas, meals and lift tickets. That’s a hefty amount for me, but something I can afford.

One of the girls in the group said she couldn’t afford to go. The rest of us said we understood, and that’s when it hit me.

“Wait, I’m that friend that can afford things now.”

Things were different a couple years ago. I was trying to pay off my students loans and was putting any extra money toward my debt. I said no to parties, dinners, and cross-country trips. I said no to hobbies, concerts, and movies.

I remember feeling jealous and judgmental of my friends who could travel and not think about how they weren’t putting money in their retirement funds. Or people who gave to charity while deferring their loans. I gave $25 at weddings, lamenting even that amount.

While I was in college, most of my friends and I were on the same level. We spent money with abandon, even though we all claimed to be broke.

I keep thinking back to one of the first episodes of “Friends,” where Rachel, Joey, and Phoebe have to bring up that they can’t afford to go out to eat or buy concert tickets. I’ve never had that difficult conversation with a friend, but I have been the one to suggest hanging out at my place instead of going to the movies.

Starting to Afford Things

Now my husband and I don’t mind picking up the check when friends come in town — we’ve even treated his parents to dinner occasionally. If you want to feel like an adult, try buying dinner for your in-laws. That will make you feel like an adult faster than you can say “health insurance premium.”

I like this feeling. For the first time, my life has options. I just bought tickets to see one of my favorite writers, Elizabeth Gilbert, speak. When purchasing the tickets, I splurged on the VIP package, which includes a cocktail reception with Gilbert. A year ago, I would’ve bought the cheapest ticket and considered myself lucky.

The good news is that there are always alternatives to pricey forms of entertainment. You can watch a movie at someone’s house instead of going out. You can bake together instead of grabbing dinner. The same way that my friends compromised for me when I was unwilling to spend money, I need to do for other people.

It may mean that they won’t be able to come to ski trips or big concerts, but they’ll be available for drinking wine at home and rewatching a “Harry Potter” movie.

I’ve seen my parents manage friendships while earning differently than other people. It’s not about being ditching the friend who can’t afford to go to the restaurant you want to go to, it’s about being a friend and finding ways to bridge that gap.

The best experiences are the ones when you have the right people.

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!

Without the right financial values, you’ll be lost with money and you’ll set a poor example. Fix that right now. Read More...

When you’re struggling financially, you might have two different ways of dealing with it. You might freak out because you can’t deal. Or you might just stick your head in the sand and ignore your problems because it hurts too much.

That’s what I did when I was dealing with the worst of my money problems. I had to hit rock bottom before turning my life around. That gave me a chance to figure out what my financial values are.

1. Money is not for the sake of money.

With money, you have to be that annoying kid. The one who asks, “Why?” after every sentence. “I want to be a millionaire.” “Why?” “Because I want to be rich.” “Why?” “So I don’t have to be concerned about having enough money.” “Why?” “So I can do the things I’d like to do.” “Why?” “Because I want to travel the world.”

Finally we get to an answer. There’s no point in having a high balance in the bank or a long-term investing strategy if there isn’t a goal other than gathering that money. If your only goal is to retire with a million dollars, you’re totally missing the point. The purpose of money is to do something with it. What do you want to do?

2. Balance financial independence with helping others.

What would you do if you ended up with one million dollars that you didn’t plan on having? How about one billion? What else is there besides “financial independence” (having enough money to do what you want without worrying about earning more from working)?

Don’t forget to look outside yourself and your family. Help others, especially those who don’t have the same types of opportunities as you. You don’t need to be financially independent to start making a better world. Some of the most charitable people are those who are not wealthy. Find the right balance for you between making yourself rich and contributing to a rich experience for the world.

3. Are your assets on display?

If you feel the world is a competition or that you have something to prove, you probably have less of a problem with showing off your success. Grow up in a community where success is hard to find, and you feel this even more. You celebrate your success publicly, because it not only helps validate you, but it gives hope to others.

But this perpetuates the idea that money and wealth somehow make people superior. And the competition isn’t only about wealth. Look around and you’ll see people trying to prove that they have the skills to save more money than anyone else. Money brings out your competitive nature. Whether it’s about earning money, having a wealthy partner, or saving money, you may feel the need to show off.

Showing off tells people you’re not confident with yourself. People don’t need to know about your success. Keep it quiet and do good with your money without fanfare.

4. Wealth isn’t something to idolize.

Wealth Isn't Something to Idolize: 6 Healthy Financial Values to Fix Your Money Attitude

We see popular people living well and we want to be like them, whether it’s the musical artist who’s an “overnight success,” a Kardashian, or just some couple on House Hunters International.

Have you seen all the books and blogs that supposedly teach people how to be rich by thinking like a rich person? As if changing your “mindset” will give you the same opportunities experienced by people who have lived their entire life surrounded by wealth? Yes, you do have to have a positive life philosophy if you want to be able to handle the wealth you build, but you won’t gain anything by just thinking like a rich person. Financially successful people are not better or smarter than the rest of us.

Strive to be a person of strong character, not a person of a huge bank balance.

5. Money isn’t related to human decency.

On that note, we often confuse wealth with living as a good human being, just as often or if not more than we characterize wealthy people as “evil.” These are both wrong! If you are a bad person before becoming wealthy, you will remain a bad person when you become wealthy.

Just like wealth doesn’t lead to decency or indecency, the lack of wealth doesn’t correlate either. Poor people aren’t necessarily lazy. They aren’t necessarily hard workers, either. Everyone has a life full of their own circumstances that often don’t correspond with any stereotype or generalization. Separate someone’s character from their wealth, and don’t make assumptions.

6. Financial success isn’t a reward for hard work.

You do your chores, you collect your allowance. This is supposed to be a life lesson for kids about how the real world works. Except it’s not!

Yes, you do get paid when you show up for your job, but how hard you work often is not related to how much you get paid. I worked for an arts organization after college, and I worked hard. There were times of the year I worked 80 hours a week and the job consumed my life. Didn’t make much money, though.

There are wealthy people who never worked a hard day in their life. Many have, though, so having a great work ethic is still the best approach to build wealth. The problem is that it’s far from a guarantee. Sometimes working hard just doesn’t pay off. A vast amount — the majority — of people throughout the world work hard their entire lives but will never be wealthy.

Financial success requires grit, but also much more.

What are your financial values?

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!