7 answers
Trenyhia
Student
San Bernardino, California
1
Question
Asked
474 views
What’s would you say
What is something I should learn now instead of when I’m 18+ and what is something you wish a teacher,parents, or anyone you know would tell you before you had to figure it out by your self
7 answers
Stephanie Berghs
Office Manager
1
Answer
Minneapolis, Minnesota
Updated
Stephanie’s Answer
Hi Trenyhia!
I wish someone would have taught me how to make a budget and save money. Many people are told to 'save money', but rarely are they taught how. Before I had a plan, I got my paycheck and spent money frivolously without thinking ahead and planning for upcoming bills. Then I would panic and scramble to scrape enough together to pay bills. My friends were shocked that I made a decent amount of money but continually asked to borrow to cover my expenses.
My mother saved for holiday presents by opening a separate bank account that she used only for holiday purchases. She auto-deposited a certain amount of money from every pay check into this ' holiday ' account. The amount she set aside was minimal enough that it didn't negatively impact her day-to-day, but enough that at holiday time she didn't to go into debt. When you debit money directly from your paycheck you don't miss it.
One of the tricks that I use to budget my money is to compare the cost of the item I want to buy with my net income for the month. For example, if my net income (my pay after taxes, benefits, etc are taken out) is $2000 / month and I want to buy a concert ticket for $300, I calculate that as 15% of my income. Then I ask myself if I can afford to spend 15% of my income, and if I can, if I really want to use that 15% on a concert ticket. This forces me to make choices not only on what I can afford but also what's important to me. Perhaps I can afford to spend 15% on a concert ticket but I don't really like the band, or the venue, or I've seen the band several times. . . In addition to making smarter money choices, this technique helps to prioritize what's important to me by deciding how I want to spend my money and my time.
There are many great tips and tricks that people use, the key is to find something that works for you and use it habitually.
I added a few internet links that help with budgeting and planning and I encourage people of all ages to use them.
https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/creating-a-budget
https://www.investopedia.com/ask/answers/022916/what-502030-budget-rule.asp#:~:text=The%20rule%20is%20to%20split,to%20meet%20your%20financial%20goals.
https://www.nytimes.com/guides/business/how-to-save-for-college
https://www.cnn.com/2022/05/10/success/save-for-a-big-purchase/index.html
I wish someone would have taught me how to make a budget and save money. Many people are told to 'save money', but rarely are they taught how. Before I had a plan, I got my paycheck and spent money frivolously without thinking ahead and planning for upcoming bills. Then I would panic and scramble to scrape enough together to pay bills. My friends were shocked that I made a decent amount of money but continually asked to borrow to cover my expenses.
My mother saved for holiday presents by opening a separate bank account that she used only for holiday purchases. She auto-deposited a certain amount of money from every pay check into this ' holiday ' account. The amount she set aside was minimal enough that it didn't negatively impact her day-to-day, but enough that at holiday time she didn't to go into debt. When you debit money directly from your paycheck you don't miss it.
One of the tricks that I use to budget my money is to compare the cost of the item I want to buy with my net income for the month. For example, if my net income (my pay after taxes, benefits, etc are taken out) is $2000 / month and I want to buy a concert ticket for $300, I calculate that as 15% of my income. Then I ask myself if I can afford to spend 15% of my income, and if I can, if I really want to use that 15% on a concert ticket. This forces me to make choices not only on what I can afford but also what's important to me. Perhaps I can afford to spend 15% on a concert ticket but I don't really like the band, or the venue, or I've seen the band several times. . . In addition to making smarter money choices, this technique helps to prioritize what's important to me by deciding how I want to spend my money and my time.
There are many great tips and tricks that people use, the key is to find something that works for you and use it habitually.
I added a few internet links that help with budgeting and planning and I encourage people of all ages to use them.
Stephanie recommends the following next steps:
Haley Blattel
Grad School Student, Volunteer Crisis Counselor,
1
Answer
Las Vegas, Nevada
Updated
Haley’s Answer
Hello Trenyhia!
There's no one-size-fits-all list of things you should know by the time you're 18 or older, but I would strongly encourage you to pursue your passions. It's easy to succumb to the pressure of conformity, but discovering what truly makes you happy is a fantastic way to cultivate your authentic self.
One piece of wisdom I wish I'd received when I was younger is to push your boundaries and embrace solitude. It's perfectly fine to struggle when you first try something, but if it resonates with your soul, it's worth stepping out of your comfort zone. Experimenting and venturing beyond your usual limits are crucial in understanding who you are. This journey will lead you to like-minded individuals who value your interests and principles. Stay true to yourself, no matter the challenges, because the reward of finding those who love and accept you for who you are is immeasurable. This process may involve time and a few unsuccessful friendships or relationships, but it's all part of the growth.
Mastering the art of being alone is also a valuable skill, especially during periods of transition when you might be outgrowing old friends, hobbies, or mindsets. Spend time exploring your own personality by observing your activities, the media you consume, and your reactions to different situations. There's always an opportunity to evolve into a more authentic version of yourself, and this happens through interaction with the world and learning from others' experiences. If you can't travel or connect with people globally online, I suggest immersing yourself in culturally diverse books, available in print, ebook, or audiobook formats, depending on your preference. Reading is a priceless skill and pastime that can significantly contribute to your self-discovery and growth.
Remember, take life one day at a time and understand that failure is part of the journey. What's important is your resilience, your ability to rise again, and your commitment to doing your best every day. You're capable of this!
Challenge yourself to face one of your fears (Ex: Grabbing a meal by yourself, complimenting a stranger out in public, etc.)
Try out a new hobby
Consume media (books, shows, movies, etc.) that offers a different perspective than yours
There's no one-size-fits-all list of things you should know by the time you're 18 or older, but I would strongly encourage you to pursue your passions. It's easy to succumb to the pressure of conformity, but discovering what truly makes you happy is a fantastic way to cultivate your authentic self.
One piece of wisdom I wish I'd received when I was younger is to push your boundaries and embrace solitude. It's perfectly fine to struggle when you first try something, but if it resonates with your soul, it's worth stepping out of your comfort zone. Experimenting and venturing beyond your usual limits are crucial in understanding who you are. This journey will lead you to like-minded individuals who value your interests and principles. Stay true to yourself, no matter the challenges, because the reward of finding those who love and accept you for who you are is immeasurable. This process may involve time and a few unsuccessful friendships or relationships, but it's all part of the growth.
Mastering the art of being alone is also a valuable skill, especially during periods of transition when you might be outgrowing old friends, hobbies, or mindsets. Spend time exploring your own personality by observing your activities, the media you consume, and your reactions to different situations. There's always an opportunity to evolve into a more authentic version of yourself, and this happens through interaction with the world and learning from others' experiences. If you can't travel or connect with people globally online, I suggest immersing yourself in culturally diverse books, available in print, ebook, or audiobook formats, depending on your preference. Reading is a priceless skill and pastime that can significantly contribute to your self-discovery and growth.
Remember, take life one day at a time and understand that failure is part of the journey. What's important is your resilience, your ability to rise again, and your commitment to doing your best every day. You're capable of this!
Haley recommends the following next steps:
James Constantine Frangos
Consultant Dietitian & Software Developer since 1972 => Nutrition Education => Health & Longevity => Self-Actualization.
6181
Answers
Gold Coast, Queensland, Australia
Updated
James Constantine’s Answer
GOODAY TRENYHIA,
According to www.iAsk.ai Ask Ai Questions Search Engine:
It is strongly recommended that students focus on developing essential skills earlier rather than later, particularly in the areas of finance, technology, and communication.
Finance: Learning about personal finance is crucial. Understanding how to create and stick to a budget, save for retirement, invest wisely, and manage debt are all vital skills that can significantly impact one’s future. Many young adults find themselves struggling with these concepts once they enter the workforce or college. By starting early, students can build a strong foundation for their financial future.
Technology: Technology literacy is another essential skill that should be prioritized. With the increasing reliance on technology in various aspects of life, it’s important for individuals to be comfortable using computers, understanding basic programming concepts, and being able to navigate the digital world. This not only applies to technical careers but also to everyday life and communication.
Communication: Effective communication skills are essential in both personal and professional settings. Being able to articulate ideas clearly and persuasively can make a significant difference in one’s academic and career success. Practicing public speaking, writing essays or reports, and engaging in meaningful conversations are all valuable ways to improve communication abilities.
Something I wish someone had told me: It’s important to remember that mistakes are an inevitable part of life and learning. Embracing failure as an opportunity to grow rather than a setback can lead to valuable experiences and lessons. Additionally, seeking help when needed is a sign of strength, not weakness. Asking questions or seeking advice from teachers, mentors, or peers can lead to new insights and perspectives that might not have been discovered otherwise.
Authoritative References Used:
National Foundation for Credit Counseling (NFCC) - Personal Finance Education
Code.org - Technology Education Initiatives
National Communication Association (NCA) - Communication Skills Development
GOD BLESS YOU TRENYHIA,
JC.
According to www.iAsk.ai Ask Ai Questions Search Engine:
It is strongly recommended that students focus on developing essential skills earlier rather than later, particularly in the areas of finance, technology, and communication.
Finance: Learning about personal finance is crucial. Understanding how to create and stick to a budget, save for retirement, invest wisely, and manage debt are all vital skills that can significantly impact one’s future. Many young adults find themselves struggling with these concepts once they enter the workforce or college. By starting early, students can build a strong foundation for their financial future.
Technology: Technology literacy is another essential skill that should be prioritized. With the increasing reliance on technology in various aspects of life, it’s important for individuals to be comfortable using computers, understanding basic programming concepts, and being able to navigate the digital world. This not only applies to technical careers but also to everyday life and communication.
Communication: Effective communication skills are essential in both personal and professional settings. Being able to articulate ideas clearly and persuasively can make a significant difference in one’s academic and career success. Practicing public speaking, writing essays or reports, and engaging in meaningful conversations are all valuable ways to improve communication abilities.
Something I wish someone had told me: It’s important to remember that mistakes are an inevitable part of life and learning. Embracing failure as an opportunity to grow rather than a setback can lead to valuable experiences and lessons. Additionally, seeking help when needed is a sign of strength, not weakness. Asking questions or seeking advice from teachers, mentors, or peers can lead to new insights and perspectives that might not have been discovered otherwise.
Authoritative References Used:
National Foundation for Credit Counseling (NFCC) - Personal Finance Education
Code.org - Technology Education Initiatives
National Communication Association (NCA) - Communication Skills Development
GOD BLESS YOU TRENYHIA,
JC.
Ethan Dailey
Actuary
2
Answers
Middlesex, New Jersey
Updated
Ethan’s Answer
Knowing how to use google properly is something that I wish I knew how to do earlier. Searching for something and not being able to find it is certainly frustrating. Knowing these tricks can help you find what you need and save you from some of that frustration:
https://www.freecodecamp.org/news/how-to-google-like-a-pro-10-tips-for-effective-googling/
I hope this helps!
https://www.freecodecamp.org/news/how-to-google-like-a-pro-10-tips-for-effective-googling/
I hope this helps!
Thank you!
Trenyhia
Malar Velappan PMP, CPM, CSM, BoardBuild certified
Product Management
15
Answers
Palo Alto, California
Updated
Malar’s Answer
Hello Trenyhia,
There's a multitude of answers to your question, but I'll highlight a few key elements that have been instrumental in my journey, regardless of age:
1. When you're young, you have an unparalleled opportunity to explore and take risks, which can help you discover your true potential and strive for excellence. Make the most of your time now to pave the way for a prosperous future.
2. Cherish all that you have - your family, loyal friends, a roof over your head, food on your table, and the gift of education. Dream big about what you want to accomplish, and meticulously map out and execute the steps you need to take to reach your dreams.
3. Cultivate a growth mindset - view setbacks not as reasons to give up, but as stepping stones to growth and knowledge. Foster the tenacity and resilience required to overcome obstacles and achieve your ultimate goals.
4. Nurture a leadership mindset, one that empowers you to think, communicate, and act in ways that benefit your community.
There's a multitude of answers to your question, but I'll highlight a few key elements that have been instrumental in my journey, regardless of age:
1. When you're young, you have an unparalleled opportunity to explore and take risks, which can help you discover your true potential and strive for excellence. Make the most of your time now to pave the way for a prosperous future.
2. Cherish all that you have - your family, loyal friends, a roof over your head, food on your table, and the gift of education. Dream big about what you want to accomplish, and meticulously map out and execute the steps you need to take to reach your dreams.
3. Cultivate a growth mindset - view setbacks not as reasons to give up, but as stepping stones to growth and knowledge. Foster the tenacity and resilience required to overcome obstacles and achieve your ultimate goals.
4. Nurture a leadership mindset, one that empowers you to think, communicate, and act in ways that benefit your community.
Enise Agel
144
Answers
Updated
Enise’s Answer
Hello Trenyhia.
Everyone can learn anything at any age. Yet there are many reasons behind our learning experiences; I believe it is because of age category and of learning capability at certain ages.
I would not say what you should know now or in the future, or even what you ought to do at the prior times; yet you may imagine how many steps you can take, honestly.
For advice to anyone who needs to learn from parents or grandparents, you may ask what they experienced when they were young at that time, and what they did when X year came, and/or ask some tips for career, or whatever.
If you want to learn more about life, college, or career experiences from anyone else, you can join the club you certainly benefit from, and/or ask friends who can give some advice for you.
I hope this helps.
Everyone can learn anything at any age. Yet there are many reasons behind our learning experiences; I believe it is because of age category and of learning capability at certain ages.
I would not say what you should know now or in the future, or even what you ought to do at the prior times; yet you may imagine how many steps you can take, honestly.
For advice to anyone who needs to learn from parents or grandparents, you may ask what they experienced when they were young at that time, and what they did when X year came, and/or ask some tips for career, or whatever.
If you want to learn more about life, college, or career experiences from anyone else, you can join the club you certainly benefit from, and/or ask friends who can give some advice for you.
I hope this helps.
Enise recommends the following next steps:
Keyston Rice
Supervisor
178
Answers
Lawrence, IN
Updated
Keyston’s Answer
Learning some basic financial management now could have made a big difference for me. I wish someone had advised me earlier to prioritize saving and investing for the future, especially since I didn't attend college.
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