Leveling up during Chaos.
To some leveling up may be a conversation that feels a bit vapid and unnecessary given the events happening globally especially in the US. I would disagree because leveling up will be necessary to survive the upcoming economic climate. Here's some tips I believe everyone should be implementing in order to survive and also thrive.
Save money - I know that all the finance bros constantly downplay savings and mostly focus on investing, but savings is STILL RELEVANT! Having savins can prevent you having to take payday loans, replace a car vs a car part, and help you feel more at ease during emergency. Whether you are saving $25, $50, or more every paycheck, please, set some money aside
Build your network - LinkedIn is great! Meeting people in person is BETTER. It's time to join groups, go to local meetups for people in your current or desired field because this is going to be how people get job opportunities. Also focus on sustaining those relationships, so NOT just a LinkedIn hit it and quit it, but instead please focus on building long term mutually beneficial relationships with people that you like and who know more than you!
education, Education, EDUCATION! - If you are afraid that your job could be at risk, you want to explore a new career, or feel like you need more education, DO IT! But when you do it please be smart. Focus on grants, scholarships, transferring credit from lower cost institutions, interships, bootcamps. Do your research! Check websites like will a robot take my job, career trajectory, and need for that particular job/career in your area. Be smart while getting smart. Do NOT believe these people online telling you that degrees don't matter! In these next 4 years they will not only matter, they will be the reason many people get left out of the new economy.
B-U-D-G-E-T - I know this is hard to do in this economy for some right now, but now more than ever you need to know where your money is going. If you're in debt and want to get out first assess that you are able to meet your basic needs (housing, food, etc.) then work out a sustainable debt pay back plan. If you can help don't allow things to go into default, but if the do, or have, focus on paying the most important bills first, save, and then of course focus on debt.
Do NOT DOOMSPEND - I know it may seem tempting to spend like there's no tomorrow and that everyday the news and government can make it easier to become more and more nihilistic, but maxing out affirm, Klarna and Afterpay will NOT help. Set a little cash aside for guiltless, mindless "joy spending" and then STOP. Think about creating community instead of spending all the time. Set up a home paint and sip, go the local coffee shop and read a good book, check out some new pieces at the Museum. Research low-cost hobbies and lean on those when you're anxious instead of spending.
Have your own $$$ - Yes even if your partner has money, set some aside that you don't touch of your own. You never know when you, or both you and your partner might need it.
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