πŸ“ˆ Million Dollar Habits and Chipotle

This week I saw a college kid with a sweatshirt: β€œI HAVE MILLION DOLLAR HABITS.” What does that mean? We were at Chipotle (cheap!), but he did order the most expensive item on the menu (steak tacos).

I wish we all wore shirts that explained our money habits. But we don't, because that would be bad fashion, but also because we aren't comfortable talking openly about money. Recently The New York Times published a new guide on how to discuss money. If you're having a hard time bringing up the topic with someone you care about, this is a must read. (It was probably just a dumb sweater, right?)

πŸ“ˆHot Tip: Negotiate your rates
December and January are usually slow months for freelancers, but finding work in February also means negotiating (or not negotiating) your rate. Imposter syndrome makes the process difficult enough, but for women and people of color, it also means being seen as an imposter. Why not read over a few tips from female freelancers on how they asked, and got more.

☎️ To-Do Today: Lower your interest rate
No bones about it (that is a real phrase) if you have credit card debt you'll likely have to pay it one day. But that's not true for credit card interest. That can be negotiable. Call the phone number on the back of your credit card and ask them if they can lower your interest rate. If they know you're going to make payments they'll be more inclined to help you out. Be kind when you call! Just be kind all the time!

πŸ‘”β“Something Fun: Suit covered in question marks
Do you remember Matthew Lesko? No? How about those commercials in the 90s where a man covered in question marks yells at the camera about free money the government was giving away? ("$3,000 in grants to get your GED! $10,000 cash to open a car wash! $1,500 to learn to make fermented cheese!") He's still around (still wearing those suits) and in this Vice profile, he identifying himself a weirdo and reflects on his work, considering himself a better spokesperson for the government than the government.

Dylan Snowden