Robinhood: An Introduction to Stocks for Beginners

This post may contain affiliate links. Please see my disclosure to learn more.

Have you ever wondered how to make your money grow? Do you want money to work for you instead of the other way around? Have you heard about stock investing but have no clue where to start? Do you want to practice investing to reach a better understanding of the market? Look no further than Robinhood, a financial services company that has revolutionized the way millennials invest.

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Robinhood is a fairly new platform that has introduced young people to the stock market. It has allowed for next gen investing with ease. The world does not prepare young people to invest in stocks. For the regular new-kid-on-the-block, stock investing may seem complicated. Setting up brokerage accounts, keeping track of management and additional fees, and researching stock options can be quite over-whelming. I would know. When I first started out, I felt like I was drowning in information and uncertainty at the same time. Even learning the terms was difficult!

Robinhood, however, makes investing simple. Signing up for an account is very easy thanks to the form they use. Management of the account has also been a breeze. Unlike other brokerage accounts, Robinhood provides FREE trades on stock, options, ETF, and cryptocurrency. They were one of the pioneers in offering free trades, although many big-name companies have started doing the same in recent years. They also have no required minimum amount for their accounts, meaning the account can be at $0. This makes it an attainable platform for college students and new grads earning very little money or just starting out on their career journey. Plus, they welcome newcomers with a gift: a FREE stock (find out how here!)

When you open your Robinhood brokerage account, you are asked to link it to your bank account. After the connection is made, funding Robinhood is as quick as pressing a button. Unlike other brokerage accounts, Robinhood gives you the credit once you begin the transfer, instead of waiting a few days for the transfer to go through. The immediacy of your funds allows you to invest right away, without losing out on an opportunity or wasting precious time.

Investment on the go has never been easier with Robinhood’s mobile app. Both the website and the app are minimalist and easy to maneuver. There isn’t much to do or choose from, something that more experienced investors find lacking, However, this is a great introductory way for the younger generations to enter the stock scene. It comes as no surprise that the average age of Robinhood users is 31 years old (same age as me!).

Another strength of Robinhood’s is the purchase of fractional shares. Some companies only allow entire quantities of a stock to be purchased. What does this mean? This means that if Apple costs $140, you need to have at least $140 in your brokerage account. Not in Robinhood. If all you have to work with is $50, you can still buy a portion of Apple.

There are, however, a few cons. Mutual funds and bonds are not offered. Also, only taxable investment accounts are available and there is limited customer support. But still. If you are looking to dip your toes in elementary stock investing, this is a great way to limit your costs or start trading cryptocurrency.

One word of caution. If you are new to investing, it is easy to get sucked into the potential growth stocks have to offer. Robinhood makes trading so accessible to millennials that it could almost act like a casino for those with a higher-risk personality. If this is your first experience with stock investing, here is some good advice.

  • Treat a brokerage account as your fun money account.
  • Research the stocks that you are choosing to buy. Make sure you believe in what that company is doing. That makes it easier to…
  • Hold onto stocks especially when the market dips. Do not panic and sell your stocks when they tank. If you do, you are taking a hypothetical situation (that being that you lost money) and making it a reality. The market will fluctuate often, but in general, the trend goes up. Have faith and hang on.
  • Consider this account as a bucket for fun money. I have a fun money envelope in my budget (read about the importance of having fun money in this post) and I will invest the money from this envelope in stocks. Your brokerage account is NOT where your emergency fund goes. The High Yield Savings Account is a better place for that. If you are saving for a home, car, or student loans, place it in a high yield savings account to avoid the risk of losing it all. This affiliate link of mine with Marcus will give you an extra 0.2% APY boost! I would also like to dissuade my readers to Robinhood as a means for their retirement savings. Open a 401K elsewhere or with your company and choose an end-date target fund instead. We shouldn’t be playing games with our retirement savings.
  • Speaking of games, be prepared to lose it all. It is hard to separate emotion from stock trading at first, but perhaps entering with the mindset that you can lose all of your money tomorrow will help. You can think of stock investing as a game. If the market goes down, well you began playing knowing you could lose. Don’t let that dishearten you. Try to think of it as being fun. With that being said, don’t place money that you need to access soon in these accounts. That could lead your investing story to a very sad ending.

And for all new account owners who sign up using my affiliate link, you will receive one random FREE stock. Once signed up, you can spread the word amongst all your friends and family and receive free stocks yourself! Just make sure to refer them using your own specific referral link like I did in this post. Both you and your acquaintance get a new stock with each referral and account set-up (limited to $500 of FREE stock per person per year). This is a great way to start a conversation around investing and to create a community around growing wealth.

Tushy: The Cushy Way to Spray DooDoo Away

This post may contain affiliate links. Please see my disclosure to learn more.

I am going off-grid from the PC charts here as I digress to talk about tushies and Tushys – as in human ones and bidets. I have been meaning to make the switch to bidets for a few years now. One of our closest friends has been raving about its usefulness and environmental friendliness at every opportune moment, but I never did like that big clonker that was sitting atop his toilet. So I have been putting it off for the sake of aesthetics, which we all know is an important part of my intentional life. However, as more and more of our friends made the switch, the urge to get one increased, and finally, my less-waste self came across the most minimalist, affordable, pretty bidet I could find: Tushy!

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Where It All Began

Tushy was founded by Miki Agrawal in 2015, the same co-founder of Thinx. It has since then revolutionized the way young people doo their business. Bidets have become a sort of fad, but it is nothing new. Many countries around the world use bidets, and my friend who I mentioned earlier got his after visiting Japan and using bidets in the public and personal restrooms. In a more primitive sense, I, myself, experienced butt-washing in my youth, having never used toilet paper until I was thirteen years old. In my country, we use buckets of water to rinse our bums or simply hop in the shower. In fact, I remember first immigrating to the United States and being told by my mom that “toilet paper does not do the job.” To her, a bum’s not clean until it has been washed with water. This, of course, wasn’t the reason I got on my hands and knees to add a bidet to my toilet. The motivation came from the environmental effects of making the switch. Below are a few statistics.

How Much Are You Saving with Tushy?

The average non-bidet user uses 57 sheets of toilet paper a day. This adds up to about $10 worth of toilet paper a month, or $120 of toilet paper a year. A tree produces about 100 pounds of toilet paper, and one person uses up about 50 pounds of toilet paper a year. For a family of four, this adds up to two trees per year. Because it takes 37 gallons of water to create one roll of toilet paper, 4884 gallons of water is wasted per person per year.

It takes no statistician to confirm that switching to a bidet results in saved money, trees and water. However you also save yourself time from having to buy toilet paper. You save yourself stress during no-TP emergencies. You save your bum from chafing and your significant other from skidmarks. You save yourself the embarrassment.

Tushy is juuuuuust right

Is this all feeling a bit too much? Well your wallet won’t think so since Tushy is quite the affordable bidet, costing only $109 (although my readers can receive 10% off of their Tushy purchase using any of my affiliate links within this post as long as they enter the code: THEDEBTIST at checkout).

Does that sound too little? Tushy is the perfect minimalist bidet, with a sleek white frame and simple adjustable knobs in neutral colors (ours is Bamboo!). We own the Tushy Classic and as baby bear says, it is juuuuuust right! For those who want a little more, the Tushy Spa has a water temperature control making those cold mornings more comfortable.

The Dirty Details

So I know some of you are hoping I spill a few dirty details. However, the only thing dirty might be your toilet seat cover when you remove it to place a Tushy underneath. No worries though! Seeing all that gunk is the most difficult part of this set up. And hey! What a great time to clean up!

Breezy Installation

Here are, however, a few things we came across during installation that you may appreciate. The manual says to turn off the water using the water shut-off valve behind the toilet. Some knobs, however, no longer function due to disuse. In which case, one would need to turn off the water to the entire house. Which is what we had to do.

Secondly, have plenty of towels around. You want to catch any water that comes out of the toilet, in case the shut-off valve doesn’t work. Also, wear gloves. When you get to the part that requires toilet seat removal, you want to make sure you won’t feel any surprises. Hopefully you clean your toilet regularly, but we won’t judge!

Lastly, adding the bidet underneath the toilet seat cover may make the screws that once clamped the toilet seat down too short. The added height of the bidet will require longer screws. No worries, I simply trekked to Home Depot and went down the bathroom and toilet aisle. There’s a section for toilet repair and you’ll need to buy two very long screws, which costs about $3.

Overall, I think the installation is super simple. I was able to do it by myself. If I didn’t have to run to Home Depot to get more screws and if my toilet’s water valve actually shut off, it would have probably taken me 15 to 20 minutes. Which means I would have been using Tushy within the hour. But instead, it took me a good hour due to the “complications” I came across. It’s taken me longer to build Ikea cabinets.

The Reviews

It has only been less than 24 hours but I absolutely love Tushy! I feel suuuper fresh and squeaky clean. Mike gave me a thumbs up as he exited the bathroom this morning. That’s a HUGE sign. In addition, I have had a lot of positive feedback from people in this space. I’ve had people reach out to me to tell me they received this for Christmas. I’ve heard stories about moms installing this in every bathroom in the house (including the trailer!). I have friends who just moved in together literally this weekend saying they are getting one for their new space. And that one friend that has been raving about bidets for ages? He said, “Welcome to the first day of your new life.”

I feel it.

This post was in partnership with Tushy. They gifted me the Tushy Classic with a bamboo knob and I am straight-up IN LOVE. It’s the perfect Valentine’s Day gift for your bum. To get 10% off your new Tushy bidet now, use this affiliate link made especially for TheDebtist readers, or enter THEDEBTIST at checkout! All thoughts, opinions, and content are my own.

How To Use Affirm to Grow Your Wealth

This post may contain affiliate links. Please see my disclosure to learn more.

In general, I am not a big fan of financing companies because I believe that they enable people to buy more than they can afford, with disregard to social responsibility and actual value. We live in a consumerist society focused on bombarding its constituents with more reasons to buy. The endless cycle of consumption is a rabbit hole that many fall into and never get out of. Because of this, I am generally hesitant to promote financing to my readers … unless it has potential to grow their wealth.

Before reading on, I do want to make the following statements.

I am assuming that the person reading this post is financially educated and savvy, does not live paycheck to paycheck, wishes to grow their wealth, has mastered their budgeting basics, and has an aversion to spending on frivolous things that don’t add value to their life. I would like to say that if you are not all of these things, we need to start elsewhere on growing wealth, and this FREE Mastering a Budget course is a great place to start.

This advice is not for those who are privvy to emotional spending, stress shopping, or just mindless consumption, that which pervades much of our American society. If you feel you have the aptitude and wherewithal to use the information I have yet to divulge about taking advantage of financing in order to grow your wealth, then I welcome you to the rest of the post. But if you have even the slightest uncertainty, I recommend you start with beginner posts such as any of the following:

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With that said, let’s continue on to how we can use financing companies such as Affirm to our advantage.

What is Affirm?

Affirm is a financing company that has recently experienced an increased exposure due to financing partnerships with multiple companies. In January 2021, they went public with the ticker symbol $AFRM and have seen an increase in stock value since their IPO at $45. I have personally seen Affirm used in a few of my favorite companies such as East Fork Pottery, La Marzocco, Nisolo, Dyson and Leesa. While this post was not written in sponsorship with Affirm, the eureka moment for utilizing its financing options came to me at a time when I was mulling over alternative wealth growing strategies.

Given that someone has good credit and can secure a 0% interest rate with Affirm when buying big purchases, they can extend their payments over a short number of months (because long-term financing leads to increased rates) which may allow for investment opportunities.

We aren’t talking big bucks here, of course. But what if everyone who is financially stable approaches all forms of consumption with a mindset of, “pay myself first.” If they embrace this mindset, then they would likely prefer to pay for their new Leesa mattress in three payments over the course of three months with 0% interest rather than upfront. If a new mattress costs $1,200, then divvying up payments into thirds allows for $800 to be invested over the course of one month and $400 to continue being invested for an additional month. You are still able to obtain the product at $0 additional cost to you via Affirm financing while Affirm gives you the time to grow your money. Of course, this is assuming that you were already going to buy this product that adds value to yourself. It is not an excuse to buy, just because.

This concept of pay yourself first is not the mentality that many people take. However, I view it as a great strategy for growing wealth – one that simply requires the reframing of our approach to paying for stuff.

It seems quite silly. Small, even, for some people. It can be especially controversial for finance people who promote paying everything upfront in cash. Some people may view Affirm financing as debt. I would like to argue that we can reframe this perceived debt as a calculated decision made to grow your own wealth before growing someone else’s.

Finance gurus who dissuade the use of credit cards may be cringing at my suggestion, but I guess I’m not exactly conventional in that regard. I mean, I use the opening of credit cards in order to fly globally for free by travel hacking! So yeah, I love credit cards (as long as it is used in a controlled manner to further yourself along your life path). And I like the flexibility Affirm gives people, who may take advantage of the opportunity to grow wealth.

As I said at the beginning of this post, if you are someone who hasn’t yet mastered your spending and your budget, I recommend not trying this tactic. But if you are ready to go next level with the way you pay for your stuff on a day-to-day, it’s something worth considering.

Reducing Waste One Lunette Cup At a Time

This post may contain affiliate links. Please see my disclosure to learn more.

I suppose it’s safe to say that this is a space wherein I talk about the topics people normally never talk about – like money, social status and the American nightmare. It’s no surprise, then, that I will talk about how menstruating persons can reduce waste, one Lunette cup at a time. So as not to disclude half of the population, I would like to open this topic up by saying that we all know someone who menstruates. So whether or not that’s you, I hope you still read on to see how we can work as a society to reduce waste in this absolutely common and normal thing.

It is now 2021 and the availability of menstrual products on the market are vast compared to what it was a decade ago. It can be difficult to choose the best solution and it depends on many factors, including cost, lifestyle, level of physical activity, fit, comfort, and consumption preferences. But before we go into why Lunette satisfies all of these factors for me, let’s first discuss what you need to know about menstrual cups in general.

What You Need to Know About Menstrual Cups

Menstrual cups are sustainable alternatives to disposable tampons and pads. There are many positive characteristics around menstrual cups, such as:

  • They are environmentally friendlier than disposable products.
  • They teach us a lot about our individual anatomies.
  • They are comfortable to use.
  • They are efficient at leak control, even during physical activity such as running or yoga classes.
  • They open our minds to normalizing menstruation cycles and open our hearts to sharing with other people the way sin which we mange them.

However, it isn’t all unicorns and rainbows right away. Some difficulties when transitioning to them include:

  • Like everything else, they require a bit of practice in terms of placement and removal, but once mastered, it’s as easy as using tampons.
  • It takes a while to learn what your body needs and to understand your flow schedule. No one else can teach that except you.
  • They are a bit more inconvenient for traveling in places where clean water is inaccessible or for emptying in public restrooms.

When I ask others whether they would be willing to transition, most of them naturally have fear around switching over. I will say, however, that it is no different from learning how to first deal with the monthly Mother Nature visits back in our wee teenage years. Remember how awkward that was? We survived once, we can survive again.

I try to put it this way. Think about how much money you spend a year buying disposable tampons and pads. Count how many products you send to the landfill each month. Research what exactly it is you are putting in your body. Recall the number of inconvenient times you’ve had to run to a pharmacy. For me, plenty.

Focus on your health, your lifestyle, and your impact, and use that to overcome anxiety and uncertainty. I find that when we fear something, it is usually because it is something we don’t understand. But it is important we try to elevate ourselves past that point, and if at the end of the day it still isn’t your thing, then at least you know WHY.

Why I Love Lunette Cup

So why Lunette, specifically? If I am being honest, Lunette was the first one I happened to try. Promoting Lunette isn’t discounting the other available menstrual cups on the market, but when I find something I like, I stick with it to avoid decision fatigue and overwhelm. Lunette, to me, was not only good enough at first go, it was bloody awesome on all counts. Both the company and the product are doing fabulous things, which I briefly outline below.

Environmental Impact

The vegan masterpiece from Scandinavia is a reusable and recyclable product. The company’s efforts to be as sustainable as possible is apparent in their zero-waste packaging and renewable energy. This is also one of the few companies that encourage remote work from their employees, a transition that I really wish to see in the near future.

Social Impact

Lunette understands that education is the key to empower menstruating persons. Destigmatizing periods is a form of activism that we all need to take a part in. They have printed and distributed over 150,000 education booklets around the world. Over 30,000 Lunette cups have been donated through various organizations, while over 500 education packs are delivered to health professionals every year. So far, their product has prevented over a billion period products from reaching the landfills and our ocean. On top of all this, they have increased awareness via their fun, informative, and beautiful blog.

A Frugal Choice

At $32 a cup, this and other menstrual cups, are a frugalist’s best friend. A small box of tampons that last me about one cycle costs $5-7. Multiplied by twelve cycles a year, that comes out to $60-84 per year. A Lunette cup lasted me three years, which would have been about $180-252 in tampons. Assuming the lower end range, buying a Lunette cup saved me $150 over the course of three years. It also kept away at least 432 tampons from the landfill and oceans.

A Minimalist’s Best Friend

I am weird about storing multiple things for future use. In short, I hate doing it. We only have 1-2 toilet paper rolls available at a time. I only buy toothpaste or soap when it runs out. I don’t keep things for the “just because”. It’s the organized, controlling, clutter-free minimalist in me. So when it comes to period products, I don’t like keeping a box under the sink for just-in-case. I also dislike carrying four tampons or two pads in my purse wherever I go. No sirree, not for me. I keep a Lunette cup satchel in a tiny clutch, along with my wallet, cell phone and lip balm. That’s it. For the minimalist, they have this cute clear cup that I absolutely adore.

A Safe Product

The Lunette cup is made with medical silicone that is BPA free and chemical free. It is FDA approved and verified as vegan friendly. It also contains no latex for those who are allergic. Be aware of cheaper menstrual cups that are made with low quality materials that could include BPA, phthalates, latex and heavy metals. Also, look at where it is being made. Be cautious if they are coming from China. Learn what to avoid when buying a menstrual cup for the first time here.

Lifestyle First

What I chase is not money or accolades, but a lifestyle – and an atypical one at that. Lunette, however, fits that lifestyle. I like to purchase environmentally friendly products that make good social impact, which Lunette does. I like as few things as possible and as inexpensive as possible, without sacrificing quality. I like zero-fuss when it comes to my day-to-day. I like comfort, versatility, and ease of use. Simplicity is key. Lunette satisfies all of those requirements, too. I can depend on it during periods of physical activity such as running and yoga. I can depend on it at work, at home, and during sleep. It is easy to maintain and clean, especially with Lunette’s vegan cleanser solution – it only takes a drop. And it can hold twice as much as a tampon plus, so it reduces the amount of times I have to stop during my day to empty them. My period weeks are without a hitch! The only time Lunette has been a challenge for me was when I travelled to countries wherein I could not depend on the cleanliness of their tap water. In which case, I do switch my menstrual management over to Thinx, which I wrote about here! However, Lunette has stood by me for everything else. And with their release of 100% biodegradable cleansing wipes, it is possible that travelling post-COVID wouldn’t be so much of a challenge anymore. It’s a game changer for those who like to camp, road trip, or simply walk 20 hours around a new city.

If you wish to live a more sustainable lifestyle, a healthier one, a more frugal one, or even a simpler one, I would highly recommend making the switch and trying Lunette Cup. Perhaps 2021 is the year to make a commitment to the planet and yourself. If so, make use of their offer this month and purchase an animal-friendly Lunette. All Lunette Menstrual Cups are 20% OFF with the code veganuary at checkout, an ode to their public registration with the Vegan Society. You can use this or any of my affiliate links within this blog.

For those who are just starting on their menstrual cup journey, I highly recommend the Lunette Starter Kit. It comes with one cup, the cleanser, and cupwipes. I was gifted the two cup version, which allows flexibility depending on the flow. The size guide can help you decide which to buy if this is your first time. Or you can always get the starter kit with two cups to learn more about yourself. Both happen to be on sale.

Once again, I thank you for your open mind, your willingness to listen, your intention to understand, and your support of this blog space, including the companies that support me. This post was sponsored by Lunette, but all thoughts, opinions, and content are originally mine.

Play Pretend: Sleep

This post may contain affiliate links. Please see my disclosure to learn more.

On the heels of my previous post regarding the power of sleep as a method of self-care, I decided to play pretend and create the ideal space for a good night’s rest. Good sleep isn’t fashioned out of thin air for most. Many factors play a role. Some of these factors include the avoidance of blue-light from screens up to two hours prior to bedtime. Light in general should be avoided. Heavy duty curtains can prevent outdoor light from shining into the bedroom of a downtown loft. A cheaper option would be an individual sleep mask for the eyes. On top of sleeping in a darkened room, an ergonomic mattress has been shown to greatly improve quality of sleep. An added priority should be sheets that are friendly to the skin and worth sinking into. Lastly, humidity control and replenishing masks allow skin to recuperate overnight from the harshness of sunlight.

In an effort to create the ideal micro-environment for decent shut-eye, here are a list of home favorites that set me up for sleep success.

In an effort to stray from the indication that good sleep requires spending, here are a list of free actionable tips to improve your sleep.

  • Maintain consistency in following your natural circadian rhythms.
  • Avoid screens up to two hours prior to bedtime.
  • Drink a glass of water prior to sleeping and upon awakening.
  • Quiet the mind in the form of meditation.
  • Include physical activity in your daily routine.
  • Consider when you eat. Go to bed satiated, not hungry or full.

Of course, a combination of both creating the right environment and doing the right actions creates the best results. You may also find relevance in the following posts.

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Intentional Living: Invest in Rest

This post may contain affiliate links. Please see my disclosure to learn more.

A good night’s sleep is one of the best forms of self-care. It is regenerative for the body, mind and soul, and much to any frugalist’s joy, it is free. Often viewed as an unproductive activity, getting a good night’s rest lies low on the priority list for the majority. On the contrary, I attribute much of my productivity and success to sleep – and a lot of it, too!

Ever since I was young, I was very fond of the stuff. My parents love to tell the story of how I would nod off in my high-chair, often plopping my face down on my food. I was the last to wake up on Christmas morning (well, every morning for that matter) and the first to fall asleep at night. At family get-togethers, one could be sure to find me on the couch, hogging up the sitting space asleep in fetal position. I took afternoon naps until high school and even in college, I was one of the few people who got eight hours of sleep, frequently trading in a night of partying for my warm sheets.

There was a time when I went against my sleeping pattern and took up midnight shifts as an early-morning baker. I noticed the toll it took on my health. Even though I was still sleeping eight hours every night, the fluctuation between night shifts and day shifts every other day really wrecked my body. I started depending on coffee, lost a lot of weight, and had trouble eating. My mind was exhausted and I noticed that I was on survival mode, less productive overall and more lenient about my tasks and deadlines. It only took three months for me to realize the effects, and while I was happy and alive, my body was barely keeping up.

As I gained awareness of my body’s circadian rhythm, I learned that my optimal sleeping time is 9 hours per night. If I receive less than that, it is best if I take a mid-afternoon nap. Now there are groups of people who would argue against the health benefits of this. But every person is different and the range of ideal sleep time is vast. Regardless of what the actual number of hours is, sleep is a crucial part to your overall productivity and here is why you need to make sure you get enough of it.

Reasons to Invest in Rest

  • Sleep is important for memory and processing daily experiences.
  • A night of sleep more than doubles the likelihood that you will solve a problem requiring insight.
  • Sleep clears toxins in the brain.
  • Sleep is the most crucial factor for peak performance, memory, productivity, immune function, mood regulation.
  • Even mild sleep reduction has detrimental effects on cognitive function many days afterwards.
  • One-third of working Americans sleep less than six hours a night.
  • Sleep deprivation was declared a public health epidemic by the CDC in 2018.
  • Lack of sleep increases the risk of heart disease, obesity, stroke, and cancer.
  • Getting consistent sleep is very important to your health.

As a person trying to live an intentional life, I care a lot about sleep. I understand that the long-effects of getting enough shut-eye will outweigh the few hours I lose each day. Investing in rest doesn’t just mean making the resolution to sleep a set number of hours each night, although that is the FREE self-care part of it. However, one must also consider what they sleep on.

I spend a lot of time curating my bed, and highly recommend getting a mattress and pillows that are ergonomically beneficial. Spinal problems caused by having a cheap bed will translate to decreased quality of life and productivity. My personal favorite company is LEESA. We own their mattress topper and pillows, and it has been such a game-changer. I used to have a lot of neck and back pain due to maintaining static postures and craning my neck at the dental office – so much so that I would wake up in the middle of the night from the pain and spend entire Saturdays lying on the couch unable to move. Once we switched to high-quality pillows and added the LEESA mattress topper, the pain went away! After watching my dad undergo three spinal surgeries in the last two years, I knew that I was not going to wait until my own symptoms got worse. If you want to step up your bed game, Try LEESA! Get up to $400 OFF a LEESA mattress this MLK weekend by clicking on my affiliate link. They have a great trial-period guarantee. For those who are wary about making such an expensive commitment to their health, LEESA also offers 0% financing through Affirm for as low as $25 a month, the equivalent of 8 drip coffees! Think of it as getting better sleep and saving on the coffee.

Likewise, I also invest in high quality bedsheets made out of clean fabrics that are good for the skin. I really like Parachute’s linen sheets and have written why Parachute sheets are the only sheets you need to own this post. Since then, we’ve tried a cotton duvet cover from them as well, pictured above, and we love it just as equally.

An alternative for those who wish to have cotton sheets is PACT. Pact is an eco-conscious company who makes clothing and textiles for the home. Currently, they have a sale on their bedding and bath products lasting until January 31, 2021. Simply use the code REFRESH25 to receive 25% OFF. You can access the sale by clicking on my affiliate link here.

Shop Pact Today.

Other rituals I have around my sleep include making my bed every morning so that the sheets stay clean, turning on a humidifier, and putting my phone away an hour before bed. We also wash the sheets frequently, vacuum the mattress, and rotate the toppers and pillows as outlined by my ultimate cleaning list.

Regardless of what you do to make sleep an important part of your day, make sure to prioritize it for the years to come!

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Financial Advice for Young People in their 20’s

I find that financial literacy is quite low for people in their early 20’s and 30’s. This is not a fault of their own but rather, a cultural failure that presents us all with opportunity for improvement. As a society, we do not openly embrace talk about money. In our educational institutions, we do not teach young children about finance. Within our media channels, we promote a consumerist lifestyle. Culturally speaking, we value hard work, status symbols and the physical earning of money over the actual growth of financial wealth.

I was once young too. I was financially illiterate. I obliterated my savings, worked multiple jobs, and took out more than half a million dollars in debt trying to chase the American dream. Only now, in my early thirties, am I realizing that the short-comings of my financial education is the cause of my financial mistakes. We learn these things later than we should.

The success of young people greatly depend on our ability to talk about money. So I am now talking about it.

In order to combat this information gap, I wanted to share five finance tips with our young population.

Top 5 Things Young People Should Do To Get Ahead in Finance

Master Budgeting Skills. It doesn’t matter how much money you make if you don’t know how to budget. You could make a million dollars but if you spend a million dollars, you aren’t any richer. In my opinion, knowing how to control the outflow of money is more important than increasing income. Mastering a budget is the first step to financial independence because you learn how to manage your cash flow. Without this control, everything else is irrelevant. Budgeting requires an awareness of your spending. It’s like losing weight. The first step to being healthier is knowing how many calories are being eaten and burned. Without monitoring what goes in and out, there is no chance for improvement. Mastering a budget is mastering your self-discipline around spending. But it takes a lot of practice and work. So start early and make the habit stick! I wrote an entire course on How to Master a Budget and published it for FREE to help others get started.

Learn how to flex those frugal muscles. Being financially savvy requires the same diligence and work as being physically strong. Just like real muscles, frugal muscles can grow – with practice. Learn how to be frugal. Realize that not everything needs to be bought. There are many alternatives to spending! For example, try skipping the spin or yoga class and run outdoors or go on a hike. Instead of dining out, try cooking a new recipe. Want to read a book? Look for it at the library. Be creative in finding ways to get what you want for free. Try making things instead of buying them. Learn the art of the trade. And when all else fails, find the beauty in living without. Remember, everything you think you need you were once without, and you were just fine. It all comes down to understanding that every clutter you own used to be money and every dollar you spend used to be free time. Here are a few frugal challenges to get the ball rolling.

Choose a social circle that will uplift you financially. Sometimes, when we tell others that we want to opt out of brunch or happy hour because we are trying to save money, we get a negative reaction. People can get defensive when you turn them down in favor of saving yourself a couple bucks. Trust me, I have been there. However, there is a saying that I love to preach. You are only as good as the five people that you spend the most time with. You will have an easier time on your financial journey if you have like-minded people around you to celebrate your wins. These are people who will motivate you to save, as well as support you when times get tough. If you have difficulty setting boundaries, perhaps this is a good place to start.

Invest in yourself before anything else. I am not entirely against spending. I believe that spending on things that add value to your life is important. However, you want to make sure you invest in yourself before anything else. When I refer to investments, I am not referring to a car or a home. I am referring to investing in things such as continuing education, management skills, mental health, physical health, relationships and personal time. After you’ve invested in yourself, you may see that informational wealth and good health can lead to financial growth. And THEN you can think about investing in other things.

Start planning for retirement now. It is best to start planning for retirement as soon as possible. Due to the exponential potential of retirement funds, early starters will have an advantage over those who wait until they are in their 30’s or 40’s. If possible, maximize your 401k and get your company match. If you have extra money, I would recommend funding a ROTH IRA on top of that. If you have additional income, you can invest it in the market, get into real estate, or for the most conservative, keep it in a high yield savings account to earn interest. Make money work for you, instead of working for your money. Those who act now will go through the difficult parts in their youth but will have an easier time as they age. And vice versa. The unwillingness to act could lead to a very difficult financial future. If you are in your 30’s or 40’s, there is no use crying over spilled milk and lost time. It is not too late for you, but start TODAY.

These are just the basics but all of these things will help create a strong foundation for the decades to come. Most importantly, do not be afraid to ask, be willing to listen, keep an open mind, and constantly seek information. That, in itself, is another level of wealth.