Being an adult sucks. Pretty much everyone growing up knows this, and it’s been true for thousands of years. They have to pay taxes. They have to go to work. They have to make sure that they keep their kids safe and healthy. I could go on and on about all the things that suck about being an adult, but I would probably use up all of this essay talking about it, so I’ll keep my mouth shut. One thing is for certain though: you can’t avoid it.
Everybody needs to grow up at some point and deal with the responsibilities of being an adult. However, being an independent adult is probably the most difficult to deal with when you grow up. You don’t have anyone to help you cope with stress or help you pay the bills. It’s just you on your own, and that is a scary thing to think of when you’re a teenager, still as carefree and laid-back when you were first born.
However, that doesn’t mean you can’t start preparing for your future to make the pain of being an adult go away a little bit.
The first thing to help you plan for your future is to try to find a career. It doesn’t necessarily have to be something you like, but something that you’re good at. That doesn’t mean you should work at McDonald’s for the rest of your life, rather you should try and find a nice steady job with a modest cash flow.
If you’re looking for your first job, than get your name out there for people to hire you for your services. Mowing lawns and raking leaves are some good beginner odd jobs to do. If you’re looking for some longer term jobs to be hired for, than go to your school’s annual Career Day and try and analyze what your strengths are for certain jobs that you want to do. I for one would like to be a computer repair technician. They have a pretty intermediate salary of $54,730 per year, and that rounds out to about $26 per hour and $4,562 per month in the state of CT. If I’ve done my math right, that will supply me with all the cash flow that I need to live a healthy and long life.
The house that I would like to rent is in Thompson, CT and costs $1,000 per month. The property tax in Thompson is $26 per month, making the house expenses cost $1,026 per month. Homeowners insurance doesn’t apply, mainly due to the fact that I wouldn’t buy the house, rather just rent it. Cable/internet would cost $80 per month if I purchase the plan that suits my needs (after all, I need good internet if I’m going to work as a computer tech). Car insurance costs $50 per month, and the data plan for my cell phone would be $100 per month, making the fixed expenses all add up to $1,285. Variable expenses such as groceries, electricity, gas and water would add up to $1,050, and if I add taxes in, the amount I need to pay per month for expenses would be $4,335, leaving me with $227 for free will spending. As for how much savings I’ll add each month, I’ll probably put most of the money I have left over into a 401K retirement fund, mainly because I want to stay safe for the future, not just the present. I’m not sure the exact amount I’ll have left over when I retire, but I’m figuring it will be somewhere around $100,000 dollars, which is a pretty nice amount of money to have when you retire. I’m sure that, along with Social Security, will be plenty to keep me afloat until the day I die (figuring I don’t die when I’m still young.)
In conclusion, this project pretty much solidified how sucky it is to be an adult. However, if you invest and plan for the future, than you won’t have as much trouble staying afloat and you won’t have to rely on food stamps the rest of your life. Being successful when you’re an independent adult is not an easy thing to do, but if you really put your mind into being a responsible adult, then you won’t have as much trouble keeping your electricity on at night. You just need to set your mind on your lifetime goal, and when you do that, you’ll realize just how easy your life has been when you’re sitting on your death bed.