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Millennial Spotlight: David Carlson

Meet David of Young Adult Money!

I’m David Carlson, a millennial personal finance blogger and author.

​I currently act as the editor of the blog Young Adult Money, which I started four and a half years ago.

I published a book in May 2016 called Hustle Away Debt which is focused on helping people pay off debt faster through side hustles.

I also speak on personal finance topics and help companies market to millennials.

Continue Reading…

Freelancing/ Millennials/ Money Matters/ Workplace

3 Ways Millennials Influence Business & Finance

Guest Contributor: Christine Sato

The largest generation in U.S. history has changed the way we look at business and finance through their entirely different values and perceptions of what is important in the world today.

​Millennials have embraced a wide range of lifestyles that has shifted the traditional models of what it means to be an adult member of the United States society.

Basically, what was important to their parents, most likely holds little to no value to the millennial or at the very least, ranks much lower in their list of priorities.

​Let’s look at three ways these shifting values influence the world of business and finance. Continue Reading…

Lifestyle/ Millennials/ Money Matters

The Millennials Guide to Charitable Giving

millennials charitable giving

Millennials love to give, in fact, Generation Y has even been hailed by some as the most charitable generation.

According to Achieve’s Millennial Impact Report, 84 percent of millennials made a charitable donation, and 70 percent spent at least an hour volunteering.

Despite being one of the most cash-strapped and indebted generations in American history, millennials have proved their generosity is not economically governed.

As we enter into the “Giving Season”, as my fundraising colleagues call it, here are a few tips regarding charitable donations and gifts that can assist you in celebrating the season: Continue Reading…

Entrepreneurship/ Freelancing/ Money Matters

6 Financial Resources for Entrepreneurs

entrepreneurs financial resources

“It takes money to make money,” was a business adage I seem to recall rolling my eyes at as a college sophomore.

Yeah, yeah…

Well turns out, that while it doesn’t take millions of dollars to get a business going, it does require some resources.

But Hannah – I’m broke!

If you’re a like most millennials post-Recession, access to hundreds of thousands of dollars isn’t exactly something you have as an option…

I’ve been there too. 

Not only do you need funds to get your business idea off the ground, but you also need some cash (also known as “working capital”) to keep your start-up afloat for the first few months of operations. Continue Reading…

Career Advice/ Entrepreneurship/ Millennials/ Money Matters

15 Must Follow Millennial Bloggers

millennial bloggers

Blogging is one of the top media platforms in today’s digital world.

​It’s replaced many traditional forms of media, such as magazine subscriptions and industry journals. Instead of relying on media conglomerates to provide us with informative and inspirational content, millennials are turning to blogs – and their favorite bloggers.

While there are thousands of “top” bloggers on the ol’ interweb, here are my 15 all-time favorite millennial bloggers: Continue Reading…

Entrepreneurship/ Money Matters

3 Reasons Every Startup Should Crowdfund

crowdfund_success

As the economic landscape continues to dally in recession state, and commercial lenders are reluctant to bank on unproven start­ups, entrepreneurs are turning to their community to raise the funds necessary to turn their dreams into reality. Through crowdfunding platforms such as Indiegogo, Kickstarter, Fundable, etc., entrepreneurs are able to request donations, exchange “perks” for funds, acquire lending, or offer equity in their start­up venture.

This community­ oriented funding approach is rapidly taking the place of traditional business financing, providing entrepreneurs with a viable opportunity to not only raise start-up capital but also establish a customer base before they even open their doors!

Here are three reasons every startup should consider crowdfunding:

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Entrepreneurship/ Money Matters

5 Entrepreneur Life Hacks

entrepreneur life hacks

Entrepreneurship isn’t easy.

It doesn’t always turn into an overnight success; instead, it’s often characterized by endless sleepless nights and gut turning “oh god” moments.

Your employed friends don’t exactly “get it” – the 100+ hour work weeks, the cash flow “issues”, and the overall pain of hinging your future on your own idea. What the…?

Starting my own business, I was immediately struck by how many areas of “normal” life were affected or eliminated by my entrepreneurial status. 

All the financial advice I’d received went out the window when I was no longer drawing a salary. My ability to buy or even rent a place to live got super complicated, and the employment benefits I’d so taken for granted – health insurance, life insurance, 401k – were gone.

Continue Reading…