"You need to invest your money now."

— Every finance guy ever

This year has been hard on everyone, but worse for others. Some people had dumb sheer luck not to have their careers impacted. Restaurants, nail salons, and other typically small businesses took the brunt.

Making blanket statements like this can be harmful. It's not even true. If I just lost my job and don't have excess savings, I'm going to save, not invest.

I used to do this all the time to my friends (all college students - some in debt). And I was wrong to do so!

As I work on completing my Accredited Financial Counselor®️ training, I'm realizing the huge breadth of knowledge I had been missing this whole time. But I'm appreciating the training I am getting to better that part of me.

To my friends who see this, sorry, I'll do better. To others, learn from my mistake!