{"id":877,"date":"2021-12-03T17:03:29","date_gmt":"2021-12-03T17:03:29","guid":{"rendered":"http:\/\/gpswp.com\/bradyassetmanagement-2\/?p=877"},"modified":"2024-02-02T23:12:48","modified_gmt":"2024-02-02T23:12:48","slug":"retirement-advice","status":"publish","type":"post","link":"https:\/\/gpswp.com\/bradyassetmanagement-2\/2021\/12\/03\/retirement-advice\/","title":{"rendered":"RETIREMENT ADVICE"},"content":{"rendered":"\n
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The first piece of advice is to learn self-control. When we\u2019re kids, most of us learn self-control in terms of when we talk in class, how many cookies we can eat when they first come out of the oven, and when we go to bed. But it\u2019s just as important to learn financial self-control.<\/p>\n\n\n\n

Self-control is even more important when we start to work full-time and make more money than we ever had previously. When we get older and are making a regular salary, we have to learn instant gratification can get us in trouble if we start buying whatever we want with credit cards.<\/p>\n\n\n\n

Saving up for the latest PlayStation, rather than putting it on plastic, is going to be so helpful in the long run. Remember, if putting gadgets, jeans, and sushi on credit cards becomes a habit, you could end up paying for those things for many years into the future.<\/p>\n\n\n\n

The article does note, of course, that credit cards are a financial tool most people have to use, at least from time to time.1<\/sup> And you can also be strategic about how you use them. For example, select a card that has good and achievable rewards, perhaps frequent flyer miles or cash back.<\/p>\n\n\n\n

Then, always pay your balance in full when the bill hits in your inbox. Also, don\u2019t carry more cards than you can keep track of or pay off each month.<\/p>\n\n\n\n

Not relying too heavily on credit cards is such a valuable financial life lesson. Credit cards are valuable tools for emergency situations and can also help you build credit, but it\u2019s so crucial to not to abuse them.<\/p>\n\n\n\n

The next thing that benefits young people on their journey to retirement is to know where their money is going. It sounds like a simple thing, but it\u2019s essential. If you stop every morning on the way to work for a bagel or coffee, you might not really notice the daily expense. In a way, your mind can play tricks on you. Every morning when you\u2019re in line for your coffee and bagel, you tell yourself, \u201cHey, it\u2019s only $6.\u201d But your mind isn\u2019t factoring yesterday\u2019s $6 and tomorrow\u2019s $6.<\/p>\n\n\n\n

Finally, no matter where you are in life or on your journey to retirement, it\u2019s important to have an emergency fund.1<\/sup> With factors including credit card debt, student loan debt, an entry-level salary, it can be difficult to build an emergency fund. But it\u2019s still important to save money, even if it\u2019s only a few bucks.<\/p>\n\n\n\n

The decisions you make when you\u2019re young can have a lasting impact on your retirement strategy. By starting to make good decisions early on, you\u2019ll position yourself well for everything that\u2019s yet to come on your journey.<\/p>\n\n\n\n

1 https:\/\/www.investopedia.com\/articles\/younginvestors\/08\/eight-tips.asp<\/em><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

The first piece of advice is to learn self-control. When we\u2019re kids, most of us learn self-control in terms of when we talk in class, how many cookies we can eat when they first come out of the oven, and when we go to bed. But it\u2019s just as important […]
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