- Try and limit student loans to your anticipated first year post-graduate salary
- Jobs, Internships, school projects, and mentors lead to better post-graduation employment
- Unfortunately GPA still matters – If yours sucks, at least try and show improvement
- Don’t buy on credit unless it appreciates – a car loan is the exception
- Pay your credit card in full every month – PERIOD
- Save and invest10-20% of your post-graduation income – Pay Yourself First
- Take advantage of compound interest – IMMEDIATELY
- Don’t buy individual stocks – Nobody can predict the future, so don’t try
- Buy ETFs – DIVERSIFY DIVERSIFY DIVERSIFY
- Max out tax advantage accounts
- At a minimum, obtain Car and Health Insurance – Don’t let an accident or illness set you back
Author Archives: professorheath
Budgeting
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It’s great to understand the benefits of investing, but there’s more you need to know. Budgeting is an integral part of saving. A budget is a written plan that allows you to track your money as it comes in and … Continue reading
Save As Early As Possible
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Any financial planning textbook will tell you to save AND invest your money, and to do it as soon as possible. The real key here is to act early in life to take full advantage of compound interest later in … Continue reading
The College Life Podcast
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I recently appeared on The College Life Podcast. Alicia and I had a great conversation about my time at Community College, the power of mentoring, and a few things related to personal finance for college students.
You Wont Get Rich Working
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You most likely won’t get rich by working hard, although that will help. You probably won’t get rich by saving your money and hiding it under your bed. You probably aren’t going to get rich overnight. Your employer isn’t going … Continue reading
Courses
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Please check the College of San Mateo’s schedule for the exact list of courses I teach in a given semester. I take pride in what I do and work hard to make sure that students have an experience that exceeds … Continue reading