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Is it really you, though? I’ve found whenever you don’t have a set of values and plan in place, it can be really freaking easy to let others dictate what’s best for you. Lesson learned? People love to spend your money for you. Especially when you don’t have any sort of plan for it.

Many moons ago, I was very stressed for a very dumb reason. Okay, maybe not so dumb. Looking at it now, it feels dumb but back then I didn’t think so.

When I was a teenager, age 18, new to college, I had this idea of how I wanted my life to look. A swift move caused me to declare my major as public relations-mass communication. The move came after I had my initial sit down with an academic advisor. 

“You need to choose a major right away. You already have enough credits that you’re technically almost a college junior. Not a freshman” 

I don’t remember what I said. I might have just mumbled an ‘Oh’ and preceded to point to a major I vaguely had in mind. Public relations appealed to me because I liked finding ways to get the message out about something. Being able to improve my speaking skills (since I was super introverted) was also a plus.

My advisors in my program assured it was the best thing for me. They talked about how everyone improved their professional development so much through it. I went along with it because I thought they had my best interest in mind.

The media program at my university was a typical media one. It was a competitive fast-paced environment where people loved to be defined by their work. Getting an internship or job at a well-known company was how they defined success.

So, naturally, the best interest in mind appeared to be getting a job at a prestigious media company.

Unpaid internships were very common in the field. Following the best interest of the masses involved depleting your bank account and hastily working a low-wage job in addition to an unpaid internship. It was all about getting ahead. And this seemed like the only way.

Thrust into life after graduation, a whole lot of spendy things presented themselves. Everyone knows houses and weddings can be expensive but what about everything else? Buying furniture, getting actual kitchen supplies (rather than just eating Ramen), and the cost of attending other people’s weddings.

Since these expenses rarely get talked about, the money can have a tendency to part from your bank account without much notice.

 

A few years ago, on a sunny day, I made my way to a Mercedes Benz dealership. I was looking to get an extra key for my smart car. (Mercedes-Benz distributes the Smart Fortwo in the U.S.)

Before I could make my way to the parts desk for the new key, a snazzy car salesman started talking to me. He made a reasoning why I needed to ditch the Smart Car and opt for something more roomy and nicer. He went on and on about how I deserved it and could afford it.

Me? A person who was working an entry-level paying job affording a Mercedes Benz? LOL.

But for a moment, I thought he had my best interest in mind. He was very convincing in the way he talked and reasoned. My monthly car payment would provide me peace of mind and reliability, he said.

Remembering Chevy’s very convincing millennial-targeted car ads didn’t help. 

My dad even told me I should get a new car. They were new and reliable! He said. This was my dad. Surely he had my best interest in mind!

Luckily I never did listen to my dad about getting a new car. I kept my old one and continued to drive it. Since then, I’ve learned a car payment isn’t a common, necessary thing. I’ve also been slowly learning that my work doesn’t define my purpose or constitute the image of success. That has to come from me. No prestigious media company required.

So, who has your best interest in mind?

I wonder about this a lot. Not just for me, but for others. When you see something so much, it starts to seem normal. People finance new cars they can’t afford and way more house than they need. When you see people spending a lot of money on professional development and self-care (ugh) you start to feel like you’re doing something wrong if you’re not spending a lot on it.

I guess it’s easy to say ‘me’ when asked who has your best interest in mind. Is it really you, though? I’ve found whenever you don’t have a set of values and plan in place, it can be really easy to let others dictate what’s best for you.

People love to spend your money for you. Especially when you don’t have any sort of plan for it.


Who has your best interest in mind? 

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Colin // RebelwithaPlan

Colin Ashby is the writer behind Rebel with a Plan, a website dedicated to people who choose to rebel against the norm of living in debt and feeling financially unenlightened. He believes everyone has an eccentric quality to embrace and that lattes are sometimes a necessity (despite what the personal finance community tells you).

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