"Mad Max: Fury Road" (2015)

Millennials are constantly being scolded and lectured by baby boomers who think that we don't know anything about finances. According to them, all our economic troubles are our own fault. They say that we don't believe in saving money for the future and that if we would just stick to a budget—cut out coffee shops and bars and stop wasting our paychecks on trendy, over-priced fixed-gear bikes—we could all own our own homes and begin planting some metaphorical seeds for a stable and secure retirement.

What these know-it-alls don't seem to realize is that, while we do believe in the concept of saving, our belief in anything like a "stable and secure" future has been strangled out of us by decades of inaction on climate change and the looming apocalypse it has brought on. None of their advice is even relevant to the meager subsistence that the lucky among us will manage once the world is reduced to a charred husk of human progress. That's not to say that "saving" isn't still important. If you do intend to be one of the survivors, here are some tips that might help you prepare your finances!

Don't Skimp on the Coffee and Alcohol

big coffee

When society collapses, money won't really mean anything. The same way that bitcoin prices could collapse tomorrow and a throw a lot of "millionaires" into poverty, those "dollars" in your bank account don't really mean anything if the government collapses. Your "savings" will have to be in commodities rather than currency.

A lot of people will tell you to put your money in gold and bury your fortune in your backyard, but we both know that you don't have a backyard, or a house, or a shovel. Besides, the value of gold is still pretty arbitrary. It has some very useful functions, but without a society in place to carry out those functions—to turn it into electronics and dental implants—it's mostly just a nice, shiny metal. Keeping some handy is probably a good idea, but the stuff that's going to be really valuable, after the flimsy structure of our civilization finally gives out, is the stuff that people truly need. Namely, drugs.

There will be demand for all kinds of drugs, but caffeine, alcohol, and nicotine will be your best bets. And since high-proof liquor and freeze-dried coffee are both compact and can be kept around more or less indefinitely, you should invest in a good stock to have on hand for the end times. Alcohol can also be used as a disinfectant, and coffee and cigarettes provide the added benefit of suppressing your appetite and keeping you alert when you've eaten the last slice of avocado toast and the wolves are circling.

Rent, Don't Own

rental

When world governments dissolve and the marauding hordes begin to roam the countryside, do you want to be tied down to one location—a house that you poured your savings into and probably doesn't even have an effective moat? Of course not. You want to be able to leave town in a campervan packed full of coffee and liquor at a moment's notice. Owning is for chumps who believe that a real estate market that collapsed because banks were too greedy will somehow survive as climate collapse brings on our collective doom. Along with decreased stress, maintenance, and upfront costs, renting also allows you to hit the fury road and never look back.

Get a Fixed-Gear Bike

fixed-gear bike

Speaking of that campervan, you'd better find a good, sheltered spot to park it, because once global infrastructure gives out under the tremendous weight of man's folly, it's not going to be good for much more than a place to sleep. Gasoline will start going bad pretty soon after the oil refineries shut down. If your engine runs on diesel—and you happen to have a way to store large amounts in a cool, sealed environment with fuel a stabilizer and some sort of biocide—you may be able to keep your vehicle functional for several years, but even then you'll probably want a backup for navigating the decaying roads. Something fast, functional, and easy to repair—like a fixed-gear bicycle!

Plant Some Actual Seeds

planting seeds

We are constantly being told that we need to develop new skills in order to compete in the modern world, but in the hellscape of tomorrow, the skills that matter most won't be coding or graphic design, but sowing, weeding, and pruning. However much you're able to store in freeze-dried rations and canned goods, eventually the food you can grow yourself is going to be among your most valuable assets.

Seed packets are cheap, small, and can last a number of years, but if you don't figure out how to take care of plants now, there won't be much point in opening those packets after society has been razed to ashes. Find a community garden where you can develop your green thumb, or at least have a go at raising some herbs on a windowsill, or a tomato plant on your fire escape. Once you've got the basics down, you can start learning how to convert your waste into safe and efficient humanure—so you won't have to compete for precious fertilizer.

With these simple rules in mind, you can start saving up today for a secure and stable future in the wastelands of our fallen empire.

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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