Thank You Ninja & The Future of Punch Debt in the Face

Like many of you I have been reading Punch Debt in the Face for the better part of a decade, so when I saw his post about being done with Punch Debt in the Face I was completely bummed.  I actually found my first comment on the way back in 2010 in a post about optimism and stupidity.  So who am I? and why did I buy the site?

My name is Evan and I own and run MyJourneytoMillions an 8 year personal finance blog.  While I never gained the popularity or notoriety that Ninja did, I have always enjoyed blogging and couldn’t bear the thought of this becoming a landing page when the domain expired.

While I won’t be writing here that often I hope to share some other fantastic voices!  If you have a story to tell please contact me!

Don’t be a Del Boy: get a steady career

The Del Boys of this world are always on the lookout for a quick fix, an easy way to make money without having to put in an abundance of hard work or real effort. Whether it’s selling moody diamonds, become a repairman for a rich home or winning the lottery, you’ll make your millions – one day.

It’s a character that’s ripe for comedy for good reason. While their plans might be well-intentioned, making stable levels of cash requires oodles of hard work and determination.

Prodigious entrepreneurs don’t just take a shot in the dark. Their calculations are risky, but are ultimately designed to pay large dividends. And where they fail, they’ve got backup plans to reinvigorate their cash flow.

It all sounds like a bit of a hassle, really, doesn’t it? Wouldn’t you prefer to table your plans for entrepreneurial domination and enjoy a steady career instead?

If you would, we’ve found a few career paths that are more stable than entrepreneurialism – but will still earn you plenty of cash. Take a look and see how they could help your career.

Project Management

Every large company needs a glowing leader, someone with the charisma of Don Draper and the planning skills of a master architect. But beneath them sit people who are keeping the cogs whirring in this grand business structure.

These people are project managers – and the best of them are rolling in cash.

To become a project manager, you’ll have to study hard and work your way up the career ladder.

Start by earning an Msc Project Management from a fully-accredited distance learning provider, which will teach you all the foundations of leadership and project management that’ll keep you in good stead throughout your career. Once you’ve got a degree in your back pocket, you’ll be ready to grab the world of project management with both hands.

Tax Manager

Doing taxes isn’t for everyone. Some find those mountains of numerical values, befuddling variables and head-scratching bureaucratic forms about as accessible as a crash course in rocket science.

But some people are prodigious in the field of taxes, looking at a complex series of facts and figures and processing them like they were Sherlock Holmes. What’s more, they’re paid well for their cash.

Earning a sizeable salary in this role does, however, take a lot of time and dedication. You’ll need at least two years of experience at the bottom of the ladder before you can progress. From there it’s a case of keeping up to date with tax information and maintaining an air of professionalism that’ll put you head and shoulders above your peers.

If you’ve got any other career suggestions that could make you a ton of money, we’d love to hear them.

4 Things You’re Not Prepared for in High School

High school is the best time of many people’s lives. For others, it’s a complete and utter nightmare. But for every high school student, there are a few things that you just can’t prepare yourself for, no matter how confident you may be about the future. While constant studying, homework, college prep and trying not to fall asleep in your classes might be consuming most of your brain, it’s likely that the other half is focused on your social life. The harsh reality of the matter, however, is that in the long run, many of these things don’t matter as much as you think they do – or even at all.

High school – and life after it – requires some preparation. Here are four areas that you might think you’re an expert in, but should really should read about, just to be safe.

  1. College

According to EdSource, a recent survey reported that less than half of the U.S. high school students feel they’re ready for college. No matter which side you’re on – ready or not ready – rest assured that there’s little that can prepare you for the actual experience, short of diving right in.

One way to prepare yourself for college is to take AP classes. The coursework will teach you critical thinking skills necessary to excel in the university classroom. When it comes to the application process, selecting a school and ultimately making your move onto campus, you’ll find yourself faced with an entirely new lifestyle.

In college, you’ll be living on your own, making your own schedule and facing new responsibilities; not to mention taking your education into your own hands. Appreciate what you have now, live in the moment. College will change you, in a good way.

  1. Life Skills… Seriously

Unfortunately, understanding the Pythagorean theorem will only get you so far. Many high schools don’t teach a lot of basic life skills, and you’re going to need those more than anything once you get into the real world. The Huffington Post wisely recommends that you educate yourself on life skills like finances, cooking and handling stress while you’re in high school.

Because unfortunately, you might not learn them any other way. You may not need help figuring out where to put the stamp on an envelope – as this particular Huffington Post writer lamented – one day you’re going to have to do things like sew buttons, file taxes, open a bank account and know how to do more in the kitchen than boil water. You’ll also have to manage necessities like auto and health insurance, that is, once you’re no longer eligible to be on your parents’ plan.

  1. Getting Auto Insurance

Getting your own car might be one of your biggest dreams and goals right now, but owning a car isn’t all made up of fun and driving off into the sunset. A car is an investment that you’ll have to put some serious thought into, and one of the biggest mistakes you can make is having those thoughts clouded by factors like what make and model will boost your popularity. And don’t forget about the fact that you’ll have to make car payments – and pay for insurance. Unfortunately, there’s no answer out there to help you pay (asides from your own financial planning), but when it comes time for you to look up the best car insurance for students, sites like CoverHound are a helpful resource. Figuring out various types of insurance on your own is just one of the things you’ll be dealing with later in your adult life.

  1. Relationships

This last item on the list will be brief, and maybe one of the hardest to remember. While there’s a lot to be excited about when it comes to getting started on your dating life, the truth is that high school relationships aren’t always fruitful. They can seriously distract you and bring about undue stress. Staying with your high school sweetheart is pretty darn unlikely – and that’s coming straight from Psychology Today. In high school, you’re just not prepared for the level of maturity, understanding and commitment that a serious relationship needs to thrive.

 

Overall, keeping an open mind, staying humble, and taking initiative to educate yourself will all serve you well during high school and beyond. Eventually, you’ll be able to look back and feel proud, rather than reflecting on all of the things you wish you would have known or done to have made your life easier. Regardless, growing up is certainly no easy journey. But try to keep in mind that no matter what life throws at you, if you keep the proverbial good head on your shoulders, you’re going to survive it – guaranteed.