Personal Finance in Your 20s For Dummies

Eric Tyson

The clearest and most extensive explanation of everything you need to know about personal finance. If you need to learn what a credit score is, when you should use a checking or savings account, or any other first step into the realm of finance then this is your go-to book. It is broken down into sections so you don't need to read it cover to cover. Use this as a guide and find the section you need in the table of contents and skip straight to it. Before getting any book that further explains the tips and tricks of finance make sure you have this book to explain the basics.

The Money Book for the Young, Fabulous & Broke

Suze Orman

A very pragmatic, organized, and colorful guide to being young and broke. There are sections geared at those fresh into the professional world featuring topics like surviving on low salaries, how to find jobs, paying off student loans and much more. It also features more adult topics concerning buying a home, buying your first car, and setting up retirement plans. There is a lot you can learn from the material in this book and it is a great early guide to personal finance.


The 4-Hour Work Week: Escape the 9-5, Live Anywhere and Join the New Rich

Timothy Ferriss

This book has been a mega success and can teach young people about the financial opportunities of life. As a combination of a lifestyle and a finance book, this can be an enlightening read. It isn't just about how to make money but the reasons why we want to make money and how to live life to the fullest. If you are just graduating university and are interested in traveling before you enter the workforce consider reading this book. There are ways to make money while still going out and exploring the world.

Financial Literacy for Millennials: A Practical Guide to Managing Your Financial Life for Teens, College Students, and Young Adults: A Practical Guide to Managing Your Financial Life for Teens, College Students, and Young Adults

Andrew O. Smith

Geared towards young people this is a great book to get an early start at learning finance. Use this book to learn about smart spending and prepare yourself for the real world. Parents, this is a great opportunity to educate your younger kids on smart financial decisions for the future. Aimed straight for the target audience of young adults this book is easy to read and incredibly helpful for early life financial learning. This book covers every element of finance from specific advice to a general overview of financial policies and shouldn't be missed.

Rich Dad Poor Dad

Robert Kiyosaki

Robert Kiyosaki is a firm believer that school systems don't provide people with the financial education that they really need and in this book he puts forth his take on how to achieve economic prosperity. A longtime best-seller this is a great book for looking ahead towards your financial future. Focusing on how to make the most out of your money; this provides insight into smart investing. This book is built around the idea that rich and poor parents teach different financial lessons to their children but you can prosper no matter where you come from.

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Why You Need Cometeer Coffee: Coffee You Can Take on the Go

Cometeer Coffee

There’s an internet trend that says that everyone has three drinks: one for energy, one for hydration, and one for fun.


Hydration drinks are usually seltzer, a sports drink, or good old-fashioned water. Fun drinks can be anything from boba to kombucha to a refreshing fountain sprite. But the drink you choose for energy says the most about you. Are you a chill tea drinker? An alternative yerba mate devotee? A matcha-obsessed TikTok That Girl wannabe? A chaotic Red Bull chugger? Or are you a lover of the classics, a person after my own heart, who just loves a good cuppa joe?

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Over two years into the most momentous event in our lives the world has changed forever … Some of us have PTSD from being locked up at home, some are living like everything’s going to end tomorrow, and the rest of us are merely trying to get by. When the pandemic hit we entered a perpetual state of vulnerability, but now we’re supposed to return to normal and just get on with our lives.

What does that mean? Packed bars, concerts, and grocery shopping without a mask feel totally strange. We got used to having more rules over our everyday life, considering if we really had to go out or keeping Zooming from our living rooms in threadbare pajama bottoms.

The work-from-home culture changed it all. Initially, companies were skeptical about letting employees work remotely, automatically assuming work output would fall and so would the quality. To the contrary, since March of 2020 productivity has risen by 47%, which says it all. Employees can work from home and still deliver results.

There are a number of reasons why everyone loves the work from home culture. We gained hours weekly that were wasted on public transport, people saved a ton of money, and could work from anywhere in the world. Then there were the obvious reasons like wearing sweats or loungewear all week long and having your pets close by. Come on, whose cat hasn’t done a tap dance on your keyboard in the middle of that All Hands Call!

Working from home grants the freedom to decorate your ‘office’ any way you want. But then people needed a change of environment. Companies began requesting their employees' RTO, thus generating the Hybrid Work Model — a blend of in-person and virtual work arrangements. Prior to 2020, about 20% of employees worked from home, but in the midst of the pandemic, it exploded to around 70%.

Although the number of people working from home increased and people enjoyed their flexibility, politicians started calling for a harder RTW policy. President Joe Biden urges us with, “It’s time for Americans to get back to work and fill our great downtowns again.”

While Boris Johnson said, “Mother Nature does not like working from home.'' It wasn’t surprising that politicians wanted people back at their desks due to the financial impact of working from the office. According to a report in the BBC, US workers spent between $2,000 - $5,000 each year on transport to work before the pandemic.

That’s where the problem lies. The majority of us stopped planning for public transport, takeaway coffee, and fresh work-appropriate outfits. We must reconsider these things now, and our wallets are paying

the price. Gas costs are at an all-time high, making public transport increase their fees; food and clothes are all on a steep incline. A simple iced latte from Dunkin’ went from $3.70 to $3.99 (which doesn’t seem like much but 2-3 coffees a day with the extra flavors and shots add up to a lot), while sandwiches soared by 14% and salads by 11%.

This contributes to the pressure employees feel about heading into the office. Remote work may have begun as a safety measure, but it’s now a savings measure for employees around the world.

Bloomberg are offering its US staff a $75 daily commuting stipend that they can spend however they want. And other companies are doing the best they can. This still lends credence to ‘the great resignation.’ Initially starting with the retail, food service, and hospitality sectors which were hard hit during the pandemic, it has since spread to other industries. By September 2021, the US Bureau of Labor Statistics reported 4.4 million resignations.

That’s where the most critical question lies…work from home, work from the office or stick to this new hybrid world culture?

Borris Johnson thinks, “We need to get back into the habit of getting into the office.” Because his experience of working from home “is you spend an awful lot of time making another cup of coffee and then, you know, getting up, walking very slowly to the fridge, hacking off a small piece of cheese, then walking very slowly back to your laptop and then forgetting what it was you’re doing.”

While New York City Mayor Eric Adams says you “can't stay home in your pajamas all day."

In the end, does it really matter where we work if efficiency and productivity are great? We’ve proven that companies can trust us to achieve the same results — or better! — and on time with this hybrid model. Employees can be more flexible, which boosts satisfaction, improves both productivity and retention, and improves diversity in the workplace because corporations can hire through the US and indeed all over the world.

We’ve seen companies make this work in many ways, through virtual lunches, breakout rooms, paint and prosecco parties, and — the most popular — trivia nights.

As much as we strive for normalcy, the last two years cannot simply be erased. So instead of wiping out this era, it's time to embrace the change and find the right world culture for you.

What would get you into the office? Free lunch? A gym membership? Permission to hang out with your dog? Some employers are trying just that.

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