I spent the majority of my college career in distinct denial about a lot of things. I figured if college was allegedly the “best time of my life” then why the hell would I want to be a buzzkill on myself and think about any post-college related topics. So I didn’t. Ignorance is bliss, after all.
I actually still recommend not worrying about these things until you have to- but maybe having a more proactive approach/knowledge of these things in general is probably a better plan of action than mine- which was “Yeah I don’t really want to think about that now” which I said..regarding most things.
Things that you ACTUALLY have to pay attention to- post diploma include;
“TAXES”- when people talked about taxes, I used to do hand gesture quotations when I said the word. I liked to view it as something people just enjoyed bitching about but they weren’t really real. I was under the impression (pretended) that taxes just didn’t really apply to me. I mean I would do them EVENTUALLY (No I didn’t..don’t arrest me) but I was pretty ignorant to the whole thing. Pay attention to these things , download TurboTax and figure that shit out. If you’re going to be in trouble with the law/government- you’d definitely want it to be for something cooler.
Student Loans- I signed up for any and every damn loan while I was in school. I had zero interest in thinking about how much money I would owe. I had zero interest in paying anything while I was in school at all for that matter. However, then you graduate and bills just keep showing up with your name on them. Words like “interest rates” and “principal balance” are suddenly entirely relevant to your life. Just speak with someone before you sign your name on every Sallie Mae dotted line, and MAKE payments you can’t defer those things forever, you don’t want to be paying yours and your kids off simultaneously.
Health Insurance- This falls under the category of “things you don’t appreciate at all until you don’t have them.” You think things like “well I’m young and healthy and I sure as hell don’t want to pay three grand for insurance..I’ll be fine without it”. Translation: “I really should probably get in the ambulance but this shit is going to cost me a thousand dollars out of my pocket..maybe I don’t really have a concussion.” True Story. So when you think you’re completely content taking a year off and sitting at the beach the reality is those adult jobs with “benefits” really are actually “beneficial”, (get it beneFITS-beneFICIAL..see what I did there). But really get a Job. Working kind of sucks BUT nobody hates money. And hey- Obama made birth control free with most health insurances so there ya go!
Things like “401K” and “Retirement Plans” you probably should pay attention to as well but getting old freaks the shit out of me so I just block my ears and do ”I CANT HEAR YOU” when I get asked about it. We can worry about that later- 65 year old you might be pissed but youthful you is OK with it.