Tag Archives: financial planning

How To Be An Adult, if being an “adult” is defined by paying rent only a few days late

It’s not that being an adult is hard per se, it’s just that stuff keeps popping up that no one taught you how to do. When I was younger I remember looking at adults and thinking they had it all together, they pay their bills, they have stocks, they have retirement funds, they handle things. And I just assumed I would learn how to do all of these things, too. Now I know how to pay my bills, but I have no clue how to buy stocks or set up any kind of financial planning. Where do people learn this? Do I just walk into my bank and say “Hey I want stocks!”? I’m gonna try it, i’ll let you know how it goes.

Speaking of my bank, my dad wants me to get a credit card to build up my credit. I actually have a good credit score because of my student loans but my dad still thinks it’d be a good idea. I want to get a good one, with a low interest rate and rewards, here’s another thing I don’t know how to navigate. Cool.

My question is at what point is it not cute that I don’t know how to do these things? I think for now I’m harder on myself than, for example , my parents. They don’t expect me to have all this figured out. But then I look at Facebook and there are people my age buying houses and having babies. And all I have is a cactus plant. And I see all these girls that look my age and are dressed in fancy business outfits and carrying briefcases (not that I want to carry a briefcase) but I’m like how did you get that far this fast?? Did I miss something?

Is there a Coursera class on adulthood? Or did everybody just figure it out as they went along? Or is every 23 year old as confused as I am?

Maybe I am overreacting. I’m the type of person who likes to have a plan, and a backup plan. And a rainy day fund, and did I mention that I like plans? So being 23 and figuring it out is hard for me. But I think this is part of the process of growing up, to freak out about your lack of knowledge and then google “how to buy stocks”. Don’t ask me how anyone figured anything out before the internet.