how i organized my entire financial life

One of the most heart-wrenching issues I have with our modern day education system is how little emphasis they place on money management. You’ll learn about the Baroque period, how to identify 50 different types of rocks (literally had to do this), and what Buddhism is all about, but money? Nah. We’ll skip it. And even if you do take a personal finance course, it’s all so academic that it’s hard to apply it to real life.

When I graduated from college and was in the midst of my first month at my “real” job, I remember heading to the movies and thinking how nice it was to not worry about buying a $5 Icee at the theater. The freedom! The liberation! The independence!

And then at the end of that month, reality smacked me in the face when I looked at my bank account and had no idea where all that money I had earned went. I thought I was making a killing, but I soon learned my salary didn’t get me as far as I thought it would. Cue a defeated 22 year-old and some sad, dramatic soundtrack.