|Money, Money, Money|
It's the dietary equivalent of trying to lose weight but not knowing the right way. Then trying every diet plan under the sun. THEN after having marginal success with some plans and complete failure with others, deciding to go to the last resort... a lot of exercise! This is us putting aside a lot of other "luxuries" in life and getting on the dreaded financial treadmill and just running until we pass out... literally.
I personally think the debt mentality starts a lot earlier than we care to accept. I started teaching our oldest daughter about debt and finances at the age of 7. Some may feel that is early. But I don't think it's early enough. It wasn't like I was having her file my taxes. I was just teaching her basic principles of money. But not just that. I was teaching her some of the basic principles of finance. I think this is where the disconnect in my life started.
My parents didn't teach me those lessons. I don't BLAME them one single bit, though. They grew up poor. Their parents grew up poor. And their parents before them grew up poor. (You get the picture.) So how do you teach your child about how to bake a chocolate cake if no one ever taught you how an over works? Eventually, if you are to break the cycle, someone has to teach someone how to bake a cake!
Another place that I think fails is school. And I'm not talking about all schools. As a matter of fact, I think teachers should be one of the highest paid professions in the world. But here is what I'm talking about with school. School is supposed to help prepare us for life AFTER school. One of the biggest (if not THE biggest) dilemmas we face after school is how to handle money. So why isn't there a LOT more emphasis on that? Yeah, we learn what money is and how to use (spend) it. But most of us never truly learn how it works. And that is the HUGE fail in my book.
If we really think schools are supposed to help prepare us for life, then this is something that should be taught almost every day and at almost every grade level. Finances should be a reflex by the time you graduate. We are a capitalistic society. And that is true whether you agree with it's principles are not. I just think that economics classes in school should have more "real world" value and not just a class that people glide through. As important as money is (again whether you like it or not) economics should be ranked up there with reading, 'riting and 'rithmatic. I think we as a society should be given better tools to deal with such a huge problem that affects everyone.
I know some of that sounded like a rant but it really wasn't meant to be that way. I honestly believe that ultimately, we are responsible for WHO we are as well as WHERE we are in life. So this is not a pity party "blame the system" post. This is more of a "yes, most of us were failed but here's what WE plan to do about it going forward" post. I do believe that it's sad when you live in a time when you feel having 2 full-time jobs a blessing. But that's what it is and where we are at this point.
|In case you are looking to buy me|
something but didn't quite
know what to get.