Job Hunt: Getting an Awesome Job After College


My Inspiration is Gone and I’m Depressingly Unfulfilled

Alone On The Foreshore

I mean, I don’t know.

Nearly 3 years ago, StuffGradsLike started as a Twitter account. There was no website, no blogs, no nothin’. Just some dumb thoughts about post-college life I thought were clever.

Then, it began to build momentum. I started a WordPress blog, and I wanted to write. I wanted to write about post-college life, and to help college graduates who were struggling. I had struggled – miraculously, I landed a full-time job as a writer with my English degree. I had also recently taken the famous personality test, StrengthsFinder. My results said that I would be a great fit for teaching, counseling, coaching, and mentoring types of jobs. [Read more…]

The 5 Biggest Obstacles Facing Millennials Who Want to Be Smart With Money

15386948767_c086fc4ee8_bMy student loans hung over my head like a rain cloud. All the time. How was I ever going to pay them off? I can’t. It’s too hard. I’ll pay the minimum, and I’ll try to not check my bank account more than once a week – anything more frequent was just depressing.

I hated feeling like I didn’t know how to control my money, but worse still, I had no idea what to do about it! I felt like a 6th grader at the school dance – too scared to make a move, sure that anything I tried would just backfire anyway. I’ll just play it safe and get another cup of punch.

If you’re sick of not being smart with your money, you’ll need to be aware of these 5 obstacles first. [Read more…]

3 Next Steps for Millennials Who Are Already Financially Stable

17102022497_84b7c9c342_bSo you don’t have loans (well, maybe you’re almost free of them). You’re living on your own. You’re paying the bills and you’ve still got enough for drinks on Friday night. You work hard, and you play hard.

This article is for a rarer breed of Millennial – those who find themselves on some pretty stable financial ground already. That means you’re essentially debt-free, you’re paying for major purchases yourself, and you probably have a job that pays pretty well and can support your lifestyle.

You probably have some notions about finances in your 20’s – you should do some things. Things like retirement, 401(k)’s, maybe setting aside some money by “investing” or whatever. Even if you’ve got the means to live a financially secure life, you probably aren’t using your money to its fullest potential

Here are 3 next steps to take once you’re financially stable.

1. Start Putting Money Into Your Employer’s 401(k) Plan

[Read more…]

3 Next Steps When You’re Broke and Financially Clueless in Your 20’s

We’ve all been there. Maybe you’re there right now.

I was 23. I was unemployed, and my savings account was dwindling, fast. My main hobbies included sleeping in until 11:00am and binge-watching Netflix shows. Every day. These were my hobbies for two primary reasons: they made me forget the deplorable state of my life/finances, and it was free.

Don’t get me wrong, I was applying for jobs all the time. I would go through phases where I felt supremely motivated (out of either guilt, depression, or desperation) and I’d apply to dozens of jobs every day; I would also go through phases of utter discouragement and I’d watch an entire season of House of Cards in 12 hours. Then back to job-hunting. [Read more…]

Why Millennials Should Use the Envelope System to Pay Off Student Loans

Cutting your Spending

When I left college, I had about $15,000 in student loans. It’s a big chunk of change, even if it’s barely half of the national average of student loan debt. Like you, I had a string of piddly jobs after college – freelance writer. Unpaid social media manager for a local coffee company. Lab rat (honestly – I had a friend who worked in a research lab). Nothing stuck, and my loan payments started coming in.  

Skip to a couple of years later. I had about…$13,000 in student loans left.

I mean, C’MON. I was on my second full-time job, I had no car payments, and I hadn’t even bought anything nice. I hadn’t made a dent in my loans. Where was all my money going? [Read more…]

Money Market Accounts: What They Are & Why Millennials Need Them

Piggy Bank

“Money market account? I can barely stop myself from overdrawing my checking account, and Wells Fargo turned off my saving account because I never had any money in there anyways.”

Today, we’re going to discuss a very important financial tool for Millennials – Money Market accounts. If you’ve never heard of these accounts, no problem – most millennials have never heard of them, either. There will be a bit of financial jargon in this post. Don’t worry – I’ll make things simple.        

A money market account is a type of bank account.

Your bank probably has them if you ask them. Still, we’re not going to open a money market account through your average bank – we’re going to open one through a “mutual funds company.” 

OK so far?

 A mutual funds company is simply that – a company. They specialize in investing in things like stocks and bonds (this is jargon – it’s not that important). People like you open a money market account with them, and you deposit money into that account. The company then invests your money into stocks and bonds.  

“Hold on!” You cry out, panicking wildly. “Doesn’t that mean I could lose all my money if the company makes a bad investment?! Oh man, where’s my inhaler!

No. Although most money market accounts are not FDIC insured (which means the government would reimburse you if the bank lost your money), there is a slight risk that if their value dips you could lose money (this has never happened in America, though). Some money market accounts are FDIC insured, too.   The bottom line: you can withdraw some or all of your money whenever you’d like, unless you specifically sign on for a chunk of time (6 months, a year, whatever). 

The main advantage of putting your money into a money market account are the high interest rates they tend to offer you. 


The only downside? They’re not that flexible. They’re cumbersome. Still, this is a small price to pay for large interest rates: here’s why.

Sure, money market accounts are not as flexible as a regular bank like Wells Fargo or US Bank. However, while Well Fargo may offer you .01% interest on your savings account (that means if you had $500 in your bank, and your bank gave you a .01 interest rate – common for big banks – you’d get an extra $5 dollars a year. Go buy an ice cream cone and think about your life) money market accounts offer substantially higher interest rates, some even peaking at 1.5%, ten to fifteen times more money you get back.

Simply put: a money market account is an excellent financial tool for millennials. Why? Because it’s (very) low risk, high reward. 

It’s not even that inflexible. Kimi and I have a money market account at Ally Bank (this post has no affiliation with them, and I receive no profit from recommending them – they’re just the bank we use). We get 6 free transactions a month. However, we’ve never bought anything with that account – we put our money there to gain interest, not spend it. We love it, and try to add money to it whenever we can.

If you’re so broke that you have to ask the guys in your bible study to help you pay rent this month (I’m speaking from personal experience here), you probably shouldn’t invest your last few bucks in a money market account and hope for the best.

Cathy Pareto, a certified financial planner, said thatThe ideal customer for a money market account is somebody who needs to set aside some financial reserves for emergencies; or perhaps someone who’s in a transitional period, maybe about to switch jobs or homes or putting aside savings for a new baby.

Do you have an extra $500, or even $1,000 dollars currently sitting in your checking account, just begging to be spent on a wild weekend in Vegas where you try and reenact “The Hangover?” Put it in a money market account instead.

The reason why this account is perfect for millennials is because once it’s in there, we won’t touch it.

We’ll forget about it for a little while, and just like your faith in humanity is restored when you find a surprise $5 in your pants pocket you forgot about, you’ll find your money safe and sound, with a decent chunk of interest there, too.

OK, I’m sold. I’m convinced with unwavering confidence that a money market account is my next life step. Shut up and take my money!

There are countless money market accounts and mutual funds companies that are offering competitive interest rates.

First, decide how much you want to invest. Honestly, I’d say the bigger the better, as long as you’ll have enough left over for rent. Then, it’s up to you to find the banks with the highest interest rates.

Here’s an excellent tool created by Nerdwallet that lets you sort through banks and mutual funds companies to find different money market accounts. Simply click the range of money you wish to invest, then choose the banks with the highest interest rates.

At a glance:

1 year, $1,000 maximum investment:

Pick the bank you want (again, I have no affiliation with any bank or link in the article). A money market account is an excellent account that will prevent you from spending your savings, and will give you a much higher interest rate than your average big bank.

I’m definitely no expert in personal finance – I’m not a fancy certified financial adviser or anything, I just know what works for me.

Do you have any more thoughts you’d like to add about millennials and money market accounts?

Final Results for StuffGradsLike’s Survey!


Here are the results from the StuffGradsLike survey!

First of all, thank you so much if you took time to complete the survey – there were dozens of you! This data has given us a ton of insight about what topics you’d most like to read about on StuffGradsLike.

Here are the survey highlights:

[Read more…]

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Tell Me How to Make StuffGradsLike the Best Blog. Ever.


The best blog. Ever.

Well, that’s what StuffGradsLike is going for, anyway.

StuffGradsLike developed a short, 30-second survey, where you tell us what you want to read! We’re narrowing our content to only the most amazingly-interesting-and-relevant topics to our readers.

I know Facebook, Snapchat, and Instagram will probably crash if you don’t use them for the next 30 seconds, but please spare 30 seconds from your busy day to take our StuffGradsLike survey.

What topics would you want to read about MOST?

Please click here and tell us!

Spend 30 seconds telling us how to give you better, more relevant, and more useful content.

Thank you so much. You guys are the reason I write.



“C” Papers, Craft Beer, and Constructive Criticism


I have a 3.75 in my Masters program so far. I’m taking a one-class-at-a-time online program, and 3 out of 4 classes I’ve gotten an “A.”

I have a Bachelor’s in English, where I wrote an essay a week for the better part of my 4 year program. I’ve been blogging for nearly 3 years. I’ve written an eBook. I’m a writer. I’ve been receiving A’s on my essays in my Masters program for the last 6 months.

Perhaps you can imagine the shock I experienced when I received a “C” on the first essay of my most recent class.

Here’s how my train of thinking went: [Read more…]

How My Speech Impediments Helped Me Become Top Salesperson on My Telemarketing Team

Millennials Jam Workshop: Youth and ICTs beyond 2015


“Trying to overcorrect is a great way to find middle ground.” -Sheryl Sandberg

When I was a kid, I had a speech impediment. Well, several speech impediments.

They were minor, but many. I stuttered. St-st-stammered. I mumbled. I spoke as fast as a crackhead who just chugged 2 red bulls would. I had to go to a speech therapist in 3rd grade (I told everyone it was an extra study hall). No one could understand me. I hated it. [Read more…]

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