I think I'm reaching the point when I feel like age no longer dictates how old someone, mentally at least. I may be only 19 physically, but I sure don't feel like so. When I was 17, I'm pretty sure I acted like a 17 year-old, a typical teenager with a driving permit. I didn't care or want to think about the future, such as what I wanted to study or do. So when it came time to apply to college, I more or less tried to prolong the decision. First, get into a decent college, then decide what to do. And I'm actually still procrastinating on that decision. I have one more semester to decide, but till then, eh whatever.
Back to the topic of discussion. I think if I asked anyone to take a guess at how old I was, they'd probably be off by 5 years at least due to the way I talk, what I talk about, or how I act. Sometimes, I mistaken myself to be older than my friends when I'm not. For example, I talk about putting my summer earnings into one of those accounts that I can't touch till I'm 59, so I'll have money then. Teenagers don't do that. 20 year olds don't do that. A friend of mine, 1 year my elder, told me to go on a shopping spree with the few thousand I made this summer. But, all I can think about is buying a new ipod, and then saving the rest. But who knows what the world is going to be like when I'm 59? Should I splurge now because of this uncertainty? No, that's not how I roll. Should I live for today instead of tomorrow? Probably, but I'll still save the money. Now, I just need to figure out how to properly invest that money. Stocks? bonds? mutual funds? Okay, I sound like I'm a 40+ year old man. Great. I should probably start acting like I'm 19, given that there's only one month and a few days before I turn 20.
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3 comments:
as silly as it may sound, splurging at an "uncertain time" like this actually makes more sense than saving it till you're 59.
Unless this account is inflation-linked, the value of your money is likely to erode, especially in a time where inflation rates greatly surpass inflation rates.
So.. spluging may actually be a good idea after all. In 30 years, you may not even be able to afford buying these same goods with the same amount of money.
That said - it makes more sense to "spend" (aka invest) in something that's gonna give you a return instead of something that depreciates.
And yes, i sound like a 40 yr old man :)
*oops i meant
"inflation rates greatly surpass INTEREST rates" in the second para :)
OMG who ever commented that comment to the left is bringing back horrible memories of the intermed macro exam i just took about an hr ago.
but yeah lol i assume that "friend" is me eh? lolololol
GO SPEND UR MONEY WOMAN lololol
well as for me i have 1000+ invested in mutual fund already so im using the rest.
gotta know how to allocate ur money :P don't save it all! (for me it's don't spent it all lol)
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