Credit: vitma1978At the time of writing this article I'm 28 years…

by: Mohammad Hafiz

credit: vitma1978At the time of writing this article I'm 28 years old (almost 29) and my life looks nothing like what I thought it would. if

}I run a successful business as a financial blogger and subject matter expert from my laptop. I'm still living at home in an effort to save money and help in the caretaking of my grandmother. I recently learned I have a higher net worth than most people my age, I have yet to own a car, and I decided to screw real jobs nearly four years ago. Now that I think of it, my life looks nothing like what it's "supposed" to look like. And thank goodness for that! As I look back at the last few years of my life, I realize I've had to undergo an "unlearning" of what society has taught me about money. While I was fortunate to start realizing this at a pretty young age, I still wish there were some money truths someone would have told me in college. The economy has changed foreverI had just started my junior year of college when the stock market crashed in 2008. By the time I graduated in 2010, people were still operating under the assumption that a real job with a 401(k) was the only way to be a responsible adult with a career. Fast forward nearly a decade and I can tell you that is sure as hell not the case. The economy is never going back to what it was and had I realized that back then I would have saved myself a lot of headaches. There is no one-size-fits-all financial planI began my financial journey devouring every money book I could get my 22-year-old hands on. I was desperately searching for the silver bullet that would solve all my money and career woes. While the books were helpful and certainly gave me a foundation, I've come to learn that there is no perfect money plan. All you can do is create a plan that works for you and that takes a whole lot self-awareness and reflection. This brings me to my final point…Money is more about psychology than mathI avoided math like the plague growing up. Seeing as how money and numbers go hand in hand, I kind of avoided my finances for a while too. What I've come to learn on this journey – that for some reason a lot of people don't tell you despite how obvious it is – is that money has more to do with psychology than math. Personal finance is a lot more about self-awareness than spreadsheets. In fact, the spreadsheets are pointless if you don't even know why you're behaving the way you do with money.

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