Browsing: decision making

When most people think fondly of summer, it normally involves hot days spent splashing at the pool, laughter from friends both new and old and the “cha-ching!” of a biweekly paycheck hitting your account. Sure — to most, working in the summer is an effort to fund another Cowboy Coffee for when you desperately need a pick-me-up. But if you give them the chance, summer jobs have more life lessons packed into them than you would think.

Vaping is not only leeching off of your wallet but also negatively impacting your health, whether or not you’re part of the one in five Americans who believe it isn’t. Although it’s true that vapes generally contain fewer chemicals than traditional cigarettes, that doesn’t mean that you aren’t putting yourself at risk of lung cancer, exposing yourself to formaldehyde (the chemical funeral homes use to preserve the deceased) and becoming more likely to develop heart disease.

While sports gambling is legal in 38 states, with two more expected to launch later this year, Texas is one of the few where it is illegal and punishable as a Class C misdemeanor with a maximum fine of up to $500 — at least for now. Texas sports betting on trending apps will have to wait until at least 2025, but with the rapid growth, the gambling world isn’t waiting to enforce cognitive habits that lead to splurges.

Having sex is OK and completely natural, and waiting to have sex until marriage is OK as well. However, it’s important for everyone to understand that skipping from the dating stage to marriage just to have sex is setting them up for failure.

There is a lot of pressure to know what you want to do and who you want to be in college. Any student can probably attest that they’ve been asked, “What do you want to do?” many times. The truth is that coming into college, the majority of people — even those who have everything planned out — change what they want to do in the future. Coming out of high school with limited knowledge and experience of the different topics and programs, students often take more time and in-depth classes to explore their interests.

Picture this: You’re in a Zoom meeting with an adviser trying to figure out what to study in college, suddenly realizing that this one small and seemingly insignificant decision might make or break the next 50 years of your life. Wait — that’s actually how it felt, wasn’t it? Being forced to choose your major before having 20 years of life experience under your belt is scary, but it doesn’t have to be the end all, be all.

Why is a lack of personal finance skills such a common theme among college students? One of my co-workers is $800 in credit card debt. I have overheard two of my classmates joke about how they had less than $5 in their checking accounts. Even my 22-year-old brother didn’t know how to make or maintain a budget until just a few months ago, despite living independently. College-aged students need to prioritize personal finance to establish foundational financial literacy skills that can set them up for a successful future post-graduation.