TODAY'S QUESTION:
Do you have any advice for little boos about what to look for in a financial advisor, what to expect from one, when and if it makes sense to hire one? I’m in nursing school right now, but once I start my new career, is it worthwhile for me to see an advisor early on? Or is it too expensive to be worth it until you have at least a couple of stacks?

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TODAY'S QUESTION:
I’m about to turn 18 and I’ve really appreciated seeing all your advice and resources. I was unlucky enough to have a family member die a few years back, and they left me a good amount of money, reassuring but not life-changing. I won’t have access to it until I’m 21, so this is by no means urgent, but with all my preparing for independence I’ve started thinking about what to do when I can access it. I’ve looked at a couple of options: buy a car, pay rent for a while, set it aside for emergency funds, start my retirement account, and maybe enjoy some of it then. If I am thrifty, I could maybe do multiple of these, but certainly not all. With the caveat that I’m not sure what my situation re: debt and financial security will be in 3 years, what would you recommend?

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TODAY'S QUESTION:
My spouse and I are disagreeing about paying for college for our children, ages 4 and 1. I paid my own way through college and scraped by without loans through scholarships, choosing an affordable institution, working countless part-time jobs, and eating a lot of Kraft mac & cheese. My partner's college and housing expenses were paid for by his parents entirely. I know that I worked harder in college because I was paying for it, more than I would have if my parents were footing the bill. As such, I don't want to pay for my kids' expenses. My partner vehemently disagrees and says we would be cruel not to, especially since we're in a financial position to do so and still fully fund our retirement accounts and live a comfortable lifestyle. I'd love to hear your thoughts on this!

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TODAY'S QUESTION:
"I work in an extremely toxic work environment. My boss is disrespectful, the whole company culture is abusive, and HR has been utterly dismissive of my issues. Walking in the door every morning feels like I’m entering Shawshank Penitentiary. I’m at the end of my rope and I know I have to leave to save myself. But I haven’t been able to land a new job yet. I have some savings, but I’m definitely not financially independent. I’d describe it as a small amount of ‘Fuck You Money,’ but not enough to live on for more than maybe 4-6 months. Should I quit? Even before I have a new job lined up?"

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Today's Question
How do you guys keep from getting discouraged?

One of my coworkers has a daughter my age, and he's always talking about how she's going to Germany again, or on a cruise, or she's got some big trip planned. It just really gets me down. I'm trying to save for school but if I save up for school then I won't have money to travel, and if I travel then I'll have to work minimum wage until I die.

I just hate feeling like I don't have a choice. But it's not like money just grows on trees...

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Today's Question
I’m writing in hope of some advice, or probably just to get out of my own head and get an outsider’s perspective, because I’ve thought about this WAY too much.

I’m in my thirties, and I moved to a Richer Country from a Poorer Country (all within Europe) a few years ago. I had some truly shit jobs for a while, but got incredibly lucky eventually, and landed in my current job in December of 2018. I work for a charity that aligns with my values very well. I have a good boss. I’m paid reasonably well---my salary circles around average for my job title in my city, though I could probably make 20% more in a bigger charity, with the experience I now have.

Trouble is... I don’t really like my job? I’m an office manager/jack of all trades assistant, and I’m damn good at it, but I didn’t choose to do it out of a passion for filing invoices and fixing trivial IT problems. I chose it because I had a wide variety of skills that you don’t need a degree for (I have a degree, but it’s purely academic), and people like me are very appealing to small organizations that want one person to fill all the gaps. It was never going to be a long-term plan; I just wanted something that would pay rent while I found my feet in a new country. I don’t want to be solving other people’s petty problems ten years from now. 

Now that my two-year mark on the job is slowly approaching, I don’t know what to do. Moving to a different role in the same organization is not an option; we’re too small for that. Do I try to pursue a career in corporate/charity internal training (very appealing, no idea how to even start)? Do I try moving to a different job despite being comfortable, so my CV doesn’t look like I’m too stagnant? Do I stay and buckle down and write after hours to fulfill my dream of writing a novel? (How do I deal with the emotional fallout of never being able to publish that novel, which is very likely?) 

Do I just keep this job and wait until some kind of an opportunity presents itself? I appreciate that no one can solve this problem apart from me, and it’s seven kinds of immature to expect you’ll magically give me the golden answer based on a few paragraphs of summary. But it was kind of therapeutic to just write it out and know someone sympathetic will read it. Your blog has been consistently excellent at filling long social-distancing weekends, so thanks for that! Stay safe, and please don’t let The Evil Chicken bring you down.

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Today's Question
How do you know when it’s the right decision to get a loan rather than paying for something with cash on hand? My dad always tells me to “compare the interest rates against the rate of inflation and stock market dividends” which like... what?

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Today's Question
Hello Bitches. I currently have a full-time job that doesn’t pay the best but it’s enough to support my lifestyle. I also volunteer around twenty hours a week, sometimes more. The volunteering is really rewarding and I enjoy every second, but I’m wondering if that time would be better spent getting a second job or learning a new skill to improve my finances?

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Today's Question
Am I the asshole for refusing to pay at a restaurant that was false advertising?

So my girlfriend (her 27, me 28) wants to go to this fancy new restaurant in the city that she’s heard good things about. We get there and it seems like one of those hipster places but whatever, I’m hungry. I look at the menu and this place is crazy expensive---like every dish is more than $15-$20 and half the ingredients I’ve never heard of. I order the bison steak ($26) and my girlfriend orders some weird pasta, noki I think ($18). Very important, these were listed as ENTREES on the menu. Mind you, with drinks plus tip this is going to come out to over $60, which is already ridiculous for dinner for two people.

So anyway we order as we are starving. My steak arrives and I am shocked, it’s like 6 small pieces of sliced steak with some weird sauce on the side and a small handful of salad. I joke to the waiter 'where’s the rest of my steak?' and he explains they serve smaller portions at this restaurant because they focus on getting the highest quality ingredients. I don’t care if this bison was blessed by the Pope himself! It’s absurd to charge that much for such a small bit of steak, it’s highway robbery. When I go to restaurants I expect an entree to fill me up and be enough for leftovers.

I’m complaining to my girlfriend and she’s getting annoyed with me. Similar situation with her pasta, it was like maybe 12 pieces of noki dressed up with some frou frou bullshit.

Granted, the food was pretty good but I cannot get over how tiny these portions are. I’m a big guy and I like to eat, what can I say? 

When the waiter comes back I inform him we will not be paying for our meal, and that they are falsely advertising entrees that barely qualify as a light snack. My girlfriend is begging me to stop but that’s where we’re different, I don’t let businesses push me around and rip me off.

A manager comes and apologizes but asks us to leave. I don’t end up paying as they realized I called them out on their bullshit. My girlfriend is silent the entire time on the way back. I’m still hungry so I drive through McDonald’s and get a burger, and when I did that she asked to be dropped off at her place.

It’s now the next day and I’m starting to think I didn’t handle the situation as well as I could have (I could have probably just asked for a discount). My girlfriend hasn’t responded to my texts so now I’m starting to think I’m an asshole. Am I the asshole?

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