Should you ever be stranded in a forest or forced to survive outside, you’d want to know the best places to get water, what you can and cannot eat in the wild, where to build a makeshift bed, how to catch a fish, how to correctly cross a river, how to keep your core body temperature high. and much more.
This is Water. The plain fact is that you graduating seniors do not yet have any clue what “day in day out” really means. There happen to be whole, large parts of adult American life that nobody talks about in commencement speeches. One such part involves boredom, routine and petty frustration.
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You can make almost two and a half percent these days just doing that. That’s a no brainer. But really this question is all about a written financial plan. When you have a written financial plan, you know what to do with your extra money. You have to plan for it. You have your goals written out, and for each goal you have an asset allocation.
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So in anticipation of everyone getting to re-watch The Last Jedi at home, let’s begin by taking a look at what I predicted, why I predicted it, and why most of it was likely wrong. Who knows, we might.
By way of example, let’s say it’s an average adult day, and you get up in the morning, go to your challenging, white-collar, college-graduate job, and you work hard for eight or ten hours, and at the end of the day you’re tired and somewhat stressed and all you want is to go home and have a good supper and maybe unwind for an hour, and then hit the sack early because, of course, you have to get up the next.