Frugal Grad

Financial information for the recently-graduated

Month: July 2016

What is “frugal?”

We can always pay for it later - YOLO (right?).

We can always pay for it later – YOLO (right?).

To most people our age, frugal is just another four-letter word. It’s not cool to be frugal, it’s too much effort to be frugal and we’re going to miss out on all the best things in life if we’re frugal – you know, YOLO. Well that’s just a load of crap.

There is more than one level of frugality. There are many people who take it to extremes: they live on $1,000 a month, and were able to retire after 8 years of working. I think that’s awesome, but that’s not necessarily what we’re going for here. This blog’s position on frugality is that you should save and optimize where you can, so you can spend on what’s important to you. If that happens to be early retirement, then great. If that happens to be an international vacation every month, then that’s great too. We’re not here to judge your goals, we’re hopefully just going to give you some tools to help you reach those goals.

So as you read through this blog, hopefully you pick up some good tips. If you have any questions about what you’re doing and how you can improve it, feel free to let me know – I am always looking to help people achieve their goals.


Welcome to Frugal Grad

Welcome to the Frugal Grad blog. With all of the financial blogs created over the years, why should you care about this one?

Simple: this one is geared directly to the recent high school and college graduate. As we all know, there are a plethora of decisions that are made right after graduation that affect the rest of your life. So how is a blog created 10 years ago relevant to the unique challenges of the young-adult today? And how practical is the advice being doled out by 40- and 50-year old financial advisors going to help you today? The short answer: not very.

Are you a high school graduate getting your first steady paycheck? Are you a college graduate just getting hit with your student loan payments? Are you a parent or a grandparent trying to set your child/grandchild up for success? Then read along, and hopefully you will learn something along the way. I won’t make promises that you can retire by 30 (full disclosure: I’m several years away from 30 and won’t be retiring by then), or earn a million dollars a year sitting at a desk, but I do promise to help guide you through the decisions that affect us after college, and the trade-offs that each decision will entail.

If you have any questions or suggestions, let me know in the comments, or through my contact page, and I will be sure to address them in future posts. Otherwise, continue reading this blog and take in my wildly unsolicited advice.

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