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As my generation begins to enter adult life and the working world, many people have no financial literacy. They don't know how to save money, set up a 401k, or even do their own taxes. This lack of knowledge leads to little or no financial planning. This can be disastrous for the present and the future.
In the present, financial planning takes away a lot of stress. Having a set amount of money to set aside into savings and being able to enjoy the rest freely makes making purchases and just enjoying life much easier. Making a savings fund for a trip or other big purchase gives you something to look forward to and work for. Having a safety net of savings takes the stress away from possible medical expenses or unexpected layoffs. Even though won't have to deal with most of these things for a few more years, I still set aside some money from every paycheck to enjoy in the future. I don't know if I will have time to work while I'm away at college, so It's important for me to have spending money while I'm there.
The future is never certain. Medical bills, sudden disability, childcare, parents or other relatives unable to take care of themselves, all these things can cost a lot of money. Having an amount set aside for emergencies can soften the financial blow from these unexpected events. The problem is, many young people think they are immortal. They think that they will be setting aside will be for nothing. After all, no way something bad could happen to them. The problem is, illness and injury come at the most unexpected times. You could be healthy all your life, then get into an accident that disables you forever. Another thing out of sight and out of mind for most young people is retirement. Most Americans retire around 64, which seems like a lifetime away. Saving money in a 401k or other retirement account sets you up to live your last years as well and happily as possible.
Financial planning can also help you reach your goals. Personally, I plan on buying a house in my thirties. This will be a lot easier if I set aside a little money at a time and save up for the down payment and mortgage over the years. Big goals like owning a home can be really daunting. Some people never even start on their goals because they seem so big and scary at first. Even now, I save part of my paycheck in asavings account for the future. I know this money and the money I get from my career in the future will allow me to reach my goals faster than if I saved nothing at all.
Many young people see no use in financial planning and only focus on the present. What they don't know is that financial planning can help you enjoy both the present and the future.
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cite my sources? how about my beautiful mind
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being attracted to blond men is a sign something is really wrong with your psyche
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[already so afraid] let me add caffeine to this, actually
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GET TO KNOW ME ☆ [1/∞] Favorite Ships ➤ Hank & Manny (Swiss Army Man)
“I really screwed you up, didn’t I? I’m sorry. I just wanted to give you all the things in life that everyone else gets to have and all the things I thought I didn’t deserve to have till I met you. And they might laugh at us. And they might call us names and they might think we’re weird, but it doesn’t matter what they think. Just please…don’t die.”
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all this talk about goncharov but i dont see anybody posting the soundtrack??? like how are you gonna talk about this movie without the music
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HEARTBREAKING: Poor girl has to get out of the soft warm bed even though she is so so so so comfy
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no one in this coffee shop knows that im literally hank swiss army man
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In one life - E. I.
[Transcript:
In one life, I was an orange, you were a woman in a cottage. In another life you were the orange and I was the woman. And each time we loved each other. Oh, how we loved each other. Tearing past rinds into flesh. Peeling back skin or slicing into segments. And the knife always felt the same.
In one life, I was a fox and you were a snake. We fought over a hole. And it was not the pit you wanted. Not the damp darkness of the earth that I turned over with my own claws. It was the fight. It was teeth around your throat you wanted. It was your venom in my veins you sought.
In yet another life, you were as you are now and I was plankton. Deep deep in the bottom of the ocean. Millions of years somehow existing in the single moment where we never crossed paths. And we lived without each other. The tragedy of never having met spread out through a million tiny sadnesses. What's a whale to a missed bus?
In one life, I was a hunter and you were a deer. Your skin and your meat saved my family one winter. Bullet through your skull, slicing into you, I cried like that life had never cried before. I wept into your pelt because somehow, I felt you were gone from me in this world. Though briefly we locked eyes, and you did not run. No, you knew me through the shotgun barrel.
In one life you were a poet and I was a poem. Actually, I was hundreds of poems, millions of them. More than half kept to your chest, some given to the world, some sold to keep you fed, some burned to keep you warm. And each time, rising from your hands unto paper or your lips into air, did we not love each other? Could we have lived without the other?
In one life, I was many people and you were many people. That was a confusing time. How we stretched and intermingled with each other. How each of our forms grew or shrank, learned or lost, grasped and pushed. Many lives were ruined, many lives saved, because we wanted to be together again.
In one life, we were a forest. Just one forest. That was the best. In one life, we were a stillborn child; loved and lost before we had a chance. In one life we were pebbles, on different planets. I was on mars and you were not even in the milky way. In one life we were coffins, or was it headstones? In one life, we were together and then we were not and we knew why but it did not make it hurt less. In one life, it didn't hurt at all to be apart. It was for the best.
Do you understand now? We have orbited each other in chaotic ways since the beginning and until the end. You have been my lover, my killer, my friend, my enemy, my life, my death, my favourite colour and my least favourite texture.
Knowing now you could be anywhere or anything, I am scared of passing you without the chance to love you. So, I love everyone and everything. I bare my heart to the world in hopes that whoever, whatever, wherever you are, we are loving each other just as we were almost meant to do.
End transcript.]
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this movie/this article are indispensable lessons in honesty and shame and creative writing and should be mandatory reading/watching i am not joking!!!!!
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getting caught feeding computer chips to the dog to make him smarter whaaattt no i didn’t know you weren’t supposed to i swear no i sweeaaarr. you turn around i’m feeding him spiders to make him develop silk for me
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There is a 2.5 mile zone of spiritual purity around me at all times. I haven't cum in more than three years. Every night while I dream, the sheer force of my aura sucks in filters every spirit entity out of the air like metaphysical krill. The resulting energy allows me to manage my extraordinarily predatory payday loan company for another day.
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women’s voyeristic relationship with themselves and a lacking sense of self
agnes of god // alice notley “along a spectral trail” // sh/satler “fresh meat” // mitski “real men” // @penemily // @bettersituation // beachbunny “cloud 9” // jennifer’s body (2009) // “shame is an ocean i swim across” mary lambert // suzanne rivecca “ugly, bitter, and true” // @leafsea // clarice lispector “the passion according to GH” // mitski “brand new city” // gone girl (2014) // carrie lorig “the blood barn”
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