Monday, January 16, 2017

10 Signs You're A Financially Miseducated Millennial.

         As a member of the financially miseducated millennials club,  I do not sit around lamenting about my inability to save a nickel or to come up with a budget that is realistic, practical and that does not involve becoming a millionaire by next week.  I started my first job at the age of fourteen and opened a bank account with my first check.  I applied for my first credit card at nineteen and I am well versed on the importance of a good credit score and a decent credit history.  I went to college and I took macroeconomics twice!  Stop judging me, okay?  Thanks. Somehow, I still don't have any money.  I don't feel sorry for myself.  I charge my perspective on and my relationship with money to how I was educated about it.  Here are a few signs that we may be in the same, penniless boat.
  1. You believe having a mortgage means that you are a homeowner and that your home is an asset.  
  2. You believe paying for a college education with student loans is reasonable and that you'll be able to pay off that debt once you get that ideal income from the job you land because of that degree you just purchased.  
  3. You do not have any skills outside of what you gain from books. You don't know how to build anything.  You don't know how to sew.  You have no idea how to keep a plant alive or how to fish.     
  4. You believe it's reasonable to spend most of your money on Christmas gifts and all that comes with celebrating that holiday but you've never taken a financial planning course or read a book on budgeting and actually applied it and you don't have any plans on doing so in the near future but you've already started brainstorming next year's ugly sweater party and pollyanna gift exchange.    
  5. You are in debt and don't have enough savings to live for at least 12 months, comfortably, without a job if you had to do so.  
  6. You do not have a zombie apocalypse stash of cash located in a secret location outside of your home.  
  7. You think you're saving yourself money when you shop at Walmart. 
  8. You walk into Target thinking you're going to be able to get out of there only spending money on things you intended to purchase.  
  9. You work long hours to make extra money but you do not invest the money into anything that can make you money outside of your job.  
  10. You have a car note,  a mortgage, student loan debt, credit card debt and a job and you think you'll be retiring some day and living life- purchasing Christmas gifts for relatives, taking trips and having dinner parties- all with the retirement money. 
I don't have any solutions to any of these, that I care to write at the moment because I am still broke.  What I will say is, the first step to overcome being a financially miseducated millennial is to admit that you are a financially miseducated millenial.


Twitter, Facebook and Instagram:@Msfridaynights.

    Friday, January 13, 2017

    Blows To Your Head

    Blows To Your Head
    By Jaywan Evans

    Some days, I wonder
    Who came home tonight
    What did they do to you out there
    From a distance I perceive a whole man
    But then I look deeper and find remnants
    Of battles fought, tears shed and blows
    Blows, to your head

    They never stop there
    Can't let you walk away without breaking your heart again
    Unfulfilled dreams, journeys void of destination
    Keep pushing, but they push back harder and stronger and more blows
    Blows, to your head

    You're not worthy, not decent
    No matter how you feel
    They want you gone, done
    Out of here
    Underpaid and locked down, debt slave
    Traded place just to laugh in your face
    Eyes low, shoulders slumped, back bruised and many blows
    Blows, to your head

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    Tuesday, January 10, 2017

    Yes, We Can but We Haven't Yet.

         President Obama's love affair with Black America is like Griet and Vermeer in Tracy Chevalier’s Girl with a Pearl Earring. It's all made up in the mind. We fell in love with his confidence and intelligence. We were wooed by his charm and good looks. I saw him in person, as I stood out in the rain. The hem of each of my pant legs were muddied from following an endless line of constituents-to-be through campus. After more than an hour, I secured my spot about thirty feet away from the Democratic presidential nominee. In a leather bomber jacket, he let the rain trickle down his forehead while giving a speech on a janky stage, without an umbrella. In my eyes, he was the man this country needed to lead it out of the tragedy that was G.W. Bush's America.

         I’ve been in enough love affairs, all by myself, to know when the feeling is not mutual.  You know, the kind where you let yourself get into a person who may or may not like you that much, or know you exist, but you pine for them anyway.  The idea of that person is enough, in your delusional mind, when that person's actions don’t validate how you feel about them.  It seems we like to love for the sake of love sometimes.  No matter how disappointing the reality of a person is, we'll hold on waiting for them to live up to our expectations.  When we're not actually paying attention, that person is perfect and just right for us.  

         Obama wasn't that much different than the average POTUS.  His skin color and what that represented, along with his beautiful family is what stood out the most.  Otherwise, he didn't give us anything original.  He didn't do much for the country that was particularly memorable.  For those who clung to what he could potentially be for us, he let us down and ignored us most of the time.  I guess you don’t have to do a lot of great things for a bunch of people to love you.

         Doing one thing right every now and again does not a legend make but in the case of Obama, we overlooked his mistakes or outright wrongdoings.  I would have loved for him to have been the one.  I want to be able to say that after eight years of chanting, "Yes, we can," that we actually did something other than chant.  Like so many other times that I've gotten my hopes up for someone, I'm left empty.  I stood behind someone who never turned around to acknowledge me.  

         Obama had the potential to usher in a new America but he didn't.  As he leaves the White House, he will be leaving tire marks over the hopes and dreams of Black America, whether they know it or not.  While listening to his farewell speech, many will sit and write their love letters, pleading for President Obama to stay just a little while longer.  They won't speak of actual accomplishments that made anyone better, instead they'll continue to fantasize about what could be.  I'm not going out like that.  I'm putting his number in my phone under Do Not Answer and tossing out the scrapbook I made when I still had hope for us.  


    Twitter, Facebook and Instagram:@Msfridaynights.