Capital Adulting Grant Gardner

Oftentimes, the financial conversation centers around the individuals who aren't responsible with their resources, but that overlooks another group: Those who are "over-savers", or folks who are worried about not having enough. They tend to be ultra-conservative financially and often shortchange the enjoyment they could have in life by being overly future focused.
If that's you, today's episode is for you. It's not bad to save/be protective in general, but remember, money is designed to help you live life, not drive you to live for money!

A recent WSJ survey indicated that Gen Z considers themselves the most hopeless generation in recorded American history. A significant portion of respondents answered no when asked if they thought their lives would be better than their parents.
In a slightly different style episode, I delve further into the current mental state of young Americans, the reasons to feel hopeless, but more importantly, the compelling case for why we should be more hopeful than ever. While certain things are more difficult, the reality is there has never been more opportunity to find success than there is today. It takes creative thinking and hard work, but a path to achieving our goals in modern day America is available. On top of that, it's easier than ever for each of us to find "success" in a way that's meaningful at the individual level, rather than trying to match a societal stereotype.
Give it a listen and take some time to think through how you can capitalize on the opportunities in your life today.

There's a lot of doom and gloom on the news today: Despite strong economic signs, layoffs are happening, inflation is stabilizing higher, and folks feel generally discouraged. While life is extremely unpredictable, there are clear steps to start taking today to protect yourself from any downside risk.
In today's episode, I dive into some general ideas/tips on ensuring you're well-positioned to weather unexpected financial crises. The most important component is being proactive and planning ahead. When a disaster occurs, it's too late to make the changes necessary to stay afloat. While it requires discipline and sacrifice, it's critical to make prudent financial decisions today to build your own safety net for the future.

Ever been overwhelmed with your financial situation? Unsure of where to start on a plan? In today's episode, we zero in on a framework for better understanding yourself and how to parlay that knowledge into devising the right financial strategy for you.

Ever made a bad decision in your life? What did that look like? If you look closer, was it really a bad decision, or just a bad outcome?
In today's episode, I dig into the difference between good and bad process, how that impacts the outcome, and how we should psychologically approach our decision making and analysis.

From an economic perspective, President Biden's loan forgiveness policy is a complete failure. Yes, student debt has ballooned, but without solving the core issues that led to the crisis in the first place, this plan is simply an expensive band-aid.
Instead, we should tackle:
Government lending practicesRising costs of educationFinancial illiteracy of the 17-18 year old kids making six figure decisions
Without tackling the root problems, we're only jeopardizing future generations of students across the country.