No One Ever Told Us That: Money and Life Lessons for Young Adults
John D. Spooner
Format: PDF / Kindle (mobi) / ePub
The "new grownup" guide to managing your life and money in the modern economy
No One Ever Told Us That is a series of essential life and financial lessons that every adult needs to read before they embark upon their own life's adventures. You've completed your education, your couch surfing, and your internships—now it's time to grow up. You have a "real" job, maybe a family, and maybe a mortgage; but you've been launched into an uncertain world. This book is your much-needed guide to life as an adult, giving you the answers you need about becoming a professional, becoming financially secure, and becoming your own person. You see the world differently when you spend your days supporting yourself and your family, and money management quickly becomes an integral part of everything you do. This useful guide shows you how to do what you need to do, find the people you need on your side, and fulfill your obligations to those who matter most to you.
You may have been used to the idea of "independence" for a while by now, but when the reality of it hits, many new adults are thrown into a sudden state of panic. This book is your guide through the storm, your handbook for adulthood, and your personal companion for the journey ahead.
• John D. Spooner has a dual life. He has been named by Barrons as one of the top 100 financial advisors in America. As an author, the great mystery writer Robert B. Parker has said, "John Spooner is, quite simply, one of the best writers in America."
• Gain a fresh perspective on the world as a grownup
• Meet financial challenges with smart money management
• Assemble your personal, legal, medical, and financial support team
• Learn essential lessons before you suffer their consequences
• Written by the only full-time writer and money manager in America
Nothing in your experience has ever prepared you for the responsibility of responsibility. You've been thrown into the deep end, the undertow is strong, and the stakes are high—it's time to start swimming. No One Ever Told Us That gets you right on track to your brightest future.
like myself? Festina lente (“Make haste prudently”). Forget the business plan. I've seen countless soi-disant [so-called] entrepreneurs invest months in research, spreadsheets, and PowerPoints. Rather, have a plan that fits on two pages that your grandmother could understand. Then proceed immediately to point 2. Sell something—anything! Get out there and sell your service and collect the money; get a client who will sing your praises, and don't care too much about the margin you make. If you can
dinner parties for me in their apartment overlooking the Vatican. The husband had grown up in Brooklyn, a student of history and character, giving me so much trivia of the city that only a Brooklyn boy could give: funny and full of irony and observations that taught me more about Rome than any guidebook could ever provide. And when I returned to Boston, I had e-mails from two people I had met there. One of them, an expatriate for many years, decided she needed help managing her money and became a
have helped me in wonderful ways during the year. The process could take me days to complete, partly because I like to go into stores, see and touch the merchandise, and talk with the people who sell and buy the products. It's also partly how I do research about spending habits and what the buying public is thinking about. It helps me strategize and manage people's money to be in the thick of life, not merely online. Shopping that way can make things easy, but teaches me nothing. So it could
be taken advantage of. “It's like phone or cable bills. I called my phone provider and said, ‘I can't pay your bills, I’m switching.' Immediately, no argument, they cut the bills by 40 percent. But they count cynically on people to never take the time to complain. Bitch and moan sometime. Out loud. It can help on almost everything you do. The squeaky wheel.” Bill, a former litigator and judge, held forth on today's law firms: “Well, these days you get twice as many lawyers coming out of school
planning chapter, avoid corporate clichés, such as going forward or break down the silos, wherever possible. These expressions are only signs of lack of original corporate thinking. The latest corporate-speak I've heard, on a trip to Manhattan, was, “I don't have enough bandwidth for this.” Since then I've heard bandwidth a number of times. Make up your own comments, and, when they prove popular in business, abandon them for new ones. Other old ones are best-case and worst-case. I find most