Photo: Lambert/Getty Images I feel caught between what people seem to consider “investing” in myself versus saving money for the future. I’m 27 and I feel like everyone is constantly telling me to do things that cost money now but will “pay off” down the road — buy expensive clothes that will last longer, take a business class because it’ll help my career, pay for therapy because it’ll help me be better at work and life in general, go to fancy exercise classes because they’re good for me.
These mind games are part of being human. And while nobody gets it “right,” it is possible to make the process a little less haphazard. Ideally, you want these self-investments to be part of a larger plan. We may all be flailing toward an uncertain future, but you can still make some educated guesses about yours.
At the same time, you also want to save some money for emergencies, and I recommend automating that too. Your goal is to have enough cash squirreled away in a savings account — preferably one that you can’t easily see or access, so you won’t be tempted to “borrow” from it — that you could stay afloat for a few months if you lost your job.
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