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	<title>Comments on: Five &#8220;Forgotten&#8221; Financial Habits to Develop In Your Twenties</title>
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	<link>http://www.moneyunder30.com/financial-habits-develop-in-twenties</link>
	<description>Personal Finance for the Young and Ambitious</description>
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		<title>By: SaraH</title>
		<link>http://www.moneyunder30.com/financial-habits-develop-in-twenties/comment-page-1#comment-3558</link>
		<dc:creator>SaraH</dc:creator>
		<pubDate>Sat, 14 Nov 2009 19:18:06 +0000</pubDate>
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		<description>Doing a lot lately to educate myself about finance, and I&#039;m glad to see that for a 25-year old I&#039;m pretty good as far as the 5 here go. Started a Roth IRA just a couple months ago and am having fun finding the best index funds!

Noticed the mention of charity:water and that reminds me of another organization that a friend of mine does water resource management for called blood:watermission. Not as big as charity:water but is another worthy water organization to consider.

You&#039;re officially on my rss feed now!</description>
		<content:encoded><![CDATA[<p>Doing a lot lately to educate myself about finance, and I&#8217;m glad to see that for a 25-year old I&#8217;m pretty good as far as the 5 here go. Started a Roth IRA just a couple months ago and am having fun finding the best index funds!</p>
<p>Noticed the mention of charity:water and that reminds me of another organization that a friend of mine does water resource management for called blood:watermission. Not as big as charity:water but is another worthy water organization to consider.</p>
<p>You&#8217;re officially on my rss feed now!</p>
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		<title>By: jimmy antepara</title>
		<link>http://www.moneyunder30.com/financial-habits-develop-in-twenties/comment-page-1#comment-3519</link>
		<dc:creator>jimmy antepara</dc:creator>
		<pubDate>Fri, 06 Nov 2009 23:10:14 +0000</pubDate>
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		<description>Hey david - Are there any tax benefits for donating to charity?</description>
		<content:encoded><![CDATA[<p>Hey david &#8211; Are there any tax benefits for donating to charity?</p>
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		<title>By: Abdullah</title>
		<link>http://www.moneyunder30.com/financial-habits-develop-in-twenties/comment-page-1#comment-3517</link>
		<dc:creator>Abdullah</dc:creator>
		<pubDate>Fri, 06 Nov 2009 19:48:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.moneyunder30.com/?p=3472#comment-3517</guid>
		<description>Thanks for providing a practical post on improving one&#039;s overall financial situation.

I agree completely with you in that one ought to write down financial goals so they become more obtainable and concrete.  I think more people would benefit a lot just by doing this alone.</description>
		<content:encoded><![CDATA[<p>Thanks for providing a practical post on improving one&#8217;s overall financial situation.</p>
<p>I agree completely with you in that one ought to write down financial goals so they become more obtainable and concrete.  I think more people would benefit a lot just by doing this alone.</p>
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		<title>By: Brian</title>
		<link>http://www.moneyunder30.com/financial-habits-develop-in-twenties/comment-page-1#comment-3493</link>
		<dc:creator>Brian</dc:creator>
		<pubDate>Wed, 04 Nov 2009 15:55:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.moneyunder30.com/?p=3472#comment-3493</guid>
		<description>Health insurance is definitely something people forgo, however i have talked to several people lately that also failed to have car insurance - in states where it is illegal to be uninsured!! 

I won&#039;t go as far as saying we need more education on insurance, but there needs to be a younger age limit in which you can be on your parents insurance.  Instead of learning the lesson when you are 25, you should learn it when you are 18.</description>
		<content:encoded><![CDATA[<p>Health insurance is definitely something people forgo, however i have talked to several people lately that also failed to have car insurance &#8211; in states where it is illegal to be uninsured!! </p>
<p>I won&#8217;t go as far as saying we need more education on insurance, but there needs to be a younger age limit in which you can be on your parents insurance.  Instead of learning the lesson when you are 25, you should learn it when you are 18.</p>
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		<title>By: Matt</title>
		<link>http://www.moneyunder30.com/financial-habits-develop-in-twenties/comment-page-1#comment-3492</link>
		<dc:creator>Matt</dc:creator>
		<pubDate>Wed, 04 Nov 2009 15:37:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.moneyunder30.com/?p=3472#comment-3492</guid>
		<description>As for the hopping from job to job, I can relate somewhat. I had tried to leave my job but had little luck (economy is a big part of it). Initially I hate my job but then I began to take on a long term perspective. Once I realized that work is usually an unenjoyable necessity and that grunt work is an important step to future more satisfying work, I didn&#039;t mind as much. As much as my current job is not for me for the rest of my life, I am glad I stayed because I have been able to get vested as well as earn raises which will help me negotiate higher salaries in whatever my next job is.</description>
		<content:encoded><![CDATA[<p>As for the hopping from job to job, I can relate somewhat. I had tried to leave my job but had little luck (economy is a big part of it). Initially I hate my job but then I began to take on a long term perspective. Once I realized that work is usually an unenjoyable necessity and that grunt work is an important step to future more satisfying work, I didn&#8217;t mind as much. As much as my current job is not for me for the rest of my life, I am glad I stayed because I have been able to get vested as well as earn raises which will help me negotiate higher salaries in whatever my next job is.</p>
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		<title>By: Matt</title>
		<link>http://www.moneyunder30.com/financial-habits-develop-in-twenties/comment-page-1#comment-3491</link>
		<dc:creator>Matt</dc:creator>
		<pubDate>Wed, 04 Nov 2009 15:33:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.moneyunder30.com/?p=3472#comment-3491</guid>
		<description>This is a great post. I do give to charity, albeit not much because I think it&#039;s really important to put something in my ROTH IRA and my 401k as a necessity. For all I know I won&#039;t be able to contribute if I go back to school, get laid off, etc.

Instead I like to volunteer when I can. It&#039;s a good way to meet people and it also is far more satisfying than just cutting a check, you end the day feeling like an impact was made.</description>
		<content:encoded><![CDATA[<p>This is a great post. I do give to charity, albeit not much because I think it&#8217;s really important to put something in my ROTH IRA and my 401k as a necessity. For all I know I won&#8217;t be able to contribute if I go back to school, get laid off, etc.</p>
<p>Instead I like to volunteer when I can. It&#8217;s a good way to meet people and it also is far more satisfying than just cutting a check, you end the day feeling like an impact was made.</p>
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		<title>By: David Weliver</title>
		<link>http://www.moneyunder30.com/financial-habits-develop-in-twenties/comment-page-1#comment-3490</link>
		<dc:creator>David Weliver</dc:creator>
		<pubDate>Wed, 04 Nov 2009 15:08:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.moneyunder30.com/?p=3472#comment-3490</guid>
		<description>@Wojiech: you&#039;re totally right about young people being passionate; tons of us get involved with causes and volunteer, etc., yet there&#039;s often a disconnect to give financially to charity when money is still a rather precious resource to us. I just checked out Charity: Water, thanks for pointing that out! 

@Samurai, there&#039;s been a lot of debate about Gen Y being entitled as you say. 

I think, however, that younger generations&#039; values are shifting, and with good reason. Employers today do not &quot;take care of&quot; workers the way they once did (with prospects of a lifelong career, advancement, and even a pension). 

So young workers kind of reject the idea they have to &quot;pay dues&quot; at a job to climb the ladder. I don&#039;t think young workers are so &quot;entitled&quot; that they won&#039;t take junior positions---but they DO want *meaningful* work right out of the gate.  And let&#039;s face it, a lot of corporate grunt work isn&#039;t meaningful. 

But give us meaningful work, and I assure you, we&#039;ll work our butts off. Not because of how much we&#039;re paid, but because we love what we&#039;re doing.

When young workers job-hop in search of something more fulfilling, older employers see it as entitlement. But I think it&#039;s really just young people deciding that they value meaningful work and quality of life over arbitrary commitment to an employer that wouldn&#039;t think twice about laying them off if necessary.</description>
		<content:encoded><![CDATA[<p>@Wojiech: you&#8217;re totally right about young people being passionate; tons of us get involved with causes and volunteer, etc., yet there&#8217;s often a disconnect to give financially to charity when money is still a rather precious resource to us. I just checked out Charity: Water, thanks for pointing that out! </p>
<p>@Samurai, there&#8217;s been a lot of debate about Gen Y being entitled as you say. </p>
<p>I think, however, that younger generations&#8217; values are shifting, and with good reason. Employers today do not &#8220;take care of&#8221; workers the way they once did (with prospects of a lifelong career, advancement, and even a pension). </p>
<p>So young workers kind of reject the idea they have to &#8220;pay dues&#8221; at a job to climb the ladder. I don&#8217;t think young workers are so &#8220;entitled&#8221; that they won&#8217;t take junior positions&#8212;but they DO want *meaningful* work right out of the gate.  And let&#8217;s face it, a lot of corporate grunt work isn&#8217;t meaningful. </p>
<p>But give us meaningful work, and I assure you, we&#8217;ll work our butts off. Not because of how much we&#8217;re paid, but because we love what we&#8217;re doing.</p>
<p>When young workers job-hop in search of something more fulfilling, older employers see it as entitlement. But I think it&#8217;s really just young people deciding that they value meaningful work and quality of life over arbitrary commitment to an employer that wouldn&#8217;t think twice about laying them off if necessary.</p>
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		<title>By: Financial Samurai</title>
		<link>http://www.moneyunder30.com/financial-habits-develop-in-twenties/comment-page-1#comment-3489</link>
		<dc:creator>Financial Samurai</dc:creator>
		<pubDate>Wed, 04 Nov 2009 14:42:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.moneyunder30.com/?p=3472#comment-3489</guid>
		<description>What about good old fashioned work ethic?  There&#039;s a knock on Gen Y that they are too entitled and spoiled.  Do you think this is true?

I don&#039;t know why recent grads don&#039;t come in first, leave last for at least their first two years.  Perplexing since there&#039;s so much to learn!</description>
		<content:encoded><![CDATA[<p>What about good old fashioned work ethic?  There&#8217;s a knock on Gen Y that they are too entitled and spoiled.  Do you think this is true?</p>
<p>I don&#8217;t know why recent grads don&#8217;t come in first, leave last for at least their first two years.  Perplexing since there&#8217;s so much to learn!</p>
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		<title>By: Wojciech</title>
		<link>http://www.moneyunder30.com/financial-habits-develop-in-twenties/comment-page-1#comment-3487</link>
		<dc:creator>Wojciech</dc:creator>
		<pubDate>Wed, 04 Nov 2009 12:51:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.moneyunder30.com/?p=3472#comment-3487</guid>
		<description>Giving to charity is one of my favorite things to do. 

Maybe it&#039;s a skewed observation, but I think a lot of young people like me are very passionate about causes,and it would be great if we all spent the dollars to get behind them.

Baker from Man vs. Debt just turned me onto Charity: Water the other day. Had no idea this even existed. It&#039;s great to discover new organizations doing something awesome.</description>
		<content:encoded><![CDATA[<p>Giving to charity is one of my favorite things to do. </p>
<p>Maybe it&#8217;s a skewed observation, but I think a lot of young people like me are very passionate about causes,and it would be great if we all spent the dollars to get behind them.</p>
<p>Baker from Man vs. Debt just turned me onto Charity: Water the other day. Had no idea this even existed. It&#8217;s great to discover new organizations doing something awesome.</p>
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		<title>By: Health Insurance Providers</title>
		<link>http://www.moneyunder30.com/financial-habits-develop-in-twenties/comment-page-1#comment-3485</link>
		<dc:creator>Health Insurance Providers</dc:creator>
		<pubDate>Wed, 04 Nov 2009 07:30:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.moneyunder30.com/?p=3472#comment-3485</guid>
		<description>Yes, it is really crazy to see some people doing almost everything right in that they are saving money and working hard but yet some still think that it is wise to go without health insurance and leave themselves open to financial disaster if they were to develop and expensive illness.</description>
		<content:encoded><![CDATA[<p>Yes, it is really crazy to see some people doing almost everything right in that they are saving money and working hard but yet some still think that it is wise to go without health insurance and leave themselves open to financial disaster if they were to develop and expensive illness.</p>
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