Don’t be afraid, this isn’t really my last post! But my friend Sam over at Forest Azuaron put me up to a challenge: write a post as if it was your last. Give one final piece of financial advice.
It’s funny, really, because if I were going to make a final statement, it would be about beginnings. Because that’s really what this is all about. Roth IRAs, interest rates, bank fees, ideas for frugal grocery shopping… none of that really matters, if you never actually start. You can read every personal finance book and blog there is, but if you used all your time to do that, instead of actually looking at your own finances, you wouldn’t actually get anywhere.
Start today. Now. Figure out where you stand: add up everything in your bank accounts and your wallet – count your change! And pull out your latest credit card statements, add up your student loans. Everyone knows, in the back of their minds, what it is they should be doing. Personal finance is common sense. Everyone knows they should be getting rid of their debt, that they should save up for things instead of accumulating more debt, and they should be saving for retirement… these ideas aren’t hidden away in a trunk of knowledge or anything.
People just need that kick in rear to get started on what they’ve been putting off. So, consider this your kick. Go, get out of here, do it right now. Why are you still reading this? Scram!