Aaron Tan’s recommendation for constructing a $1 billion start-up

As a former start-up investor and co-founder and CEO of $ 1 billion auto marketplace car, Aaron Tan knows a thing or two about running a business.

But if he had one piece of advice to other budding entrepreneurs, it would be this: Don’t go alone.

“I don’t know if I’m qualified enough to give advice per se. But I would always say that you should try to find a core team of people,” said Tan CNBC does it.

For 36-year-old Tan, it was critical to his business.

You must first find a group of friends willing to take the leap of faith with you.

Aaron Tan

Co-Founder and CEO, Carro

When he was first inspired to come up with an algorithm to help car buyers and sellers compare the best deals across Southeast Asia, he quickly brought his friends from the Carnegie Mellon School of Computer Science to join him on the journey accompany.

Tan is Singaporean and his co-founders Aditya Lesmana and Kelvin Chng are Indonesians and Thais, respectively. That meant that together they had a much better understanding of the markets they were targeting and the problems they were solving – more than Tan would have ever had alone.

“I am always grateful that my team has been very international from day one. That makes entering the market a lot easier for us,” said Tan.

Aaron Tan, Co-Founder and CEO of Southeast Asian auto marketplace Carro.

automobile

This advice dates back to Tan’s beginnings as a venture capitalist (VC) investing in companies in the US and Southeast Asia.

A strong founding team is important for a start-up, he said.

“As a former VC, I’ve seen companies and we haven’t invested, mostly because there was a strong person and no co-founders,” said Tan.

it is very important to support and complement one another.

Aaron Tan

Co-Founder and CEO, Carro

“It is very important for me to support and complement each other,” he added.

According to Tan, a founder’s ability to build a founding team is a good sign that they are self-aware and understand their strengths and weaknesses. But it also shows their ability to convince others of their vision.

“You will know if you can start a business or not after a while because you will find more people who believe in the trip,” Tan said.

“You have to first find this group of friends willing to take the leap of faith with you before you are able to find the next 100, the next 1,000 people who will grow your business,” he said.

Do not miss: How 3 college friends started a $ 1 billion business selling used cars

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Pay Dirt ist die Geldberatungskolumne von Slate. Eine Frage haben? Schicke es hier an Athena und Elizabeth. (Es ist anonym!)

Lieber Pay-Dreck,

Ich habe ein Dilemma bezüglich meines Mannes und meiner Kreditwürdigkeit. An den Feiertagen holte ich eine Kaufhauskarte heraus. Ich habe weder die Karte noch eine Abrechnung erhalten. Ich habe im Dezember und Januar über seine Website an den Laden geschrieben und nie eine Antwort erhalten. Meine Kreditwürdigkeit war damals 750. Ich fand heraus, dass es über 100 Punkte gefallen ist. Ich habe gerade diese Woche eine Rechnung aus dem Geschäft vom Juni gefunden, als ich nach Hypothekeninformationen suchte. Die Rechnung war hinter den Schreibtisch meines Mannes gefallen und lag unter der Fußleistenheizung. Mein Mann möchte sich trennen, aber ich denke, er versucht absichtlich, meine Kreditwürdigkeit im Voraus zu ruinieren. Wie gehe ich jetzt vor? Bezahle ich nur die Rechnung? Versuche ich mit jemandem zu sprechen? Gehe ich zu einer Kreditauskunftei, um Dinge zu reparieren? Mein Mann bestreitet alles, aber ich glaube ihm nicht.

—Zum Trocknen aufgehängt

Lieber zum Trocknen aufgehängt,

Das erste, was Sie tun müssen, ist, das Unternehmen anzurufen, zu erklären, was passiert ist und die Karte zu schließen. Wenn Sie sich mit einem ersten Kauf im Geschäft angemeldet haben, wussten Sie, dass dieses Konto über ein Guthaben verfügt, und ich empfehle Ihnen, diesen Betrag so gut wie möglich nach unten auszuhandeln. Es ist frustrierend, dass niemand auf Ihre Online-Anfragen geantwortet hat, aber Sie hätten die Kundenservice-Hotline anrufen sollen, nachdem Sie keine Antwort erhalten haben. Wenn Sie beim Öffnen nichts berechnet haben, melden Sie den betrügerischen Kauf, wenn Sie das Unternehmen anrufen. Das Unternehmen hat so viele Tage Zeit, um die Belastung rückgängig zu machen. Wenn das nicht funktioniert, Schreiben Sie an die Kreditauskunfteien. Sie benötigen einen Nachweis über Ihre Kommunikation mit dem Unternehmen und alle Schritte, die Sie unternommen haben, um das Problem zu beheben. Sie sollten alle Aufzeichnungen während dieses Prozesses aufbewahren und ein besseres System für die zukünftige Überwachung Ihrer Rechnungen finden.

Dann möchten Sie Ihre kostenlose jährliche Kreditauskünfte von den drei Büros und gehen Sie mit einem feinen Kamm darüber. Ein Rückgang Ihrer Kreditwürdigkeit um 100 Punkte ist ziemlich signifikant, und Sie müssen sich bewusst sein, ob noch etwas dazu beigetragen hat. Wenn Ihr Ehemann in Ihrem Namen Schulden aufgenommen hat, ist es besser, dies jetzt zu wissen als vor dem Scheidungsverfahren. Verschiedene Staaten haben unterschiedliche Gesetze darüber, wie mit Schulden während einer Scheidung umgegangen wird, deshalb sollten Sie Ihren Anwalt diesbezüglich fragen. Vielleicht möchten Sie auch vorübergehend frieren Sie Ihr Guthaben ein und ändere deine Passwörter auf allen Konten, die nicht geteilt werden. Viel Glück.

Lieber Pay-Dreck,

Ich bin der Autor, der sich meldete über die Ehe. Ich habe Ihre Antwort sehr geschätzt! Ich werde das EAP meines Unternehmens verwenden, um mit einem Anwalt zu diskutieren, und mein Verlobter und ich haben ein solides Gespräch über die Feinheiten unserer Finanzen mit Familienmitgliedern geführt.

All das heißt, jetzt hat er eine Frage zum Gespenst des Studienkredits. Ich habe keine, und er hat 35.000 Dollar. Er macht sich keine Illusionen, dass Joe Biden wird seine Kredite zurückzahlen, noch erwartet er von mir einen Beitrag (und wäre beschämt, wenn ich es versuchen würde). Aber er hat seine Studienkredite während des COVID-Moratoriums nicht bezahlt und hat es nicht eilig, den durchschnittlichen Betrag zu überschreiten, den er monatlich zahlt (über 300 US-Dollar, einschließlich Zinsen), sobald dies wieder aufgenommen wird – obwohl er über 15.000 US-Dollar an Ersparnissen verfügt.

Ich verstehe, Einsparungen sind hart verdient. Tatsache ist jedoch, dass die winzigen Zinsen, die er verdient, wenn er das Geld auf der Bank hält, von den Zinsen übertroffen werden, die sich zusätzlich zu seinen Studienkrediten ansammeln. Wäre es nicht besser, einen guten Teil dieser Ersparnisse zu nehmen, um die Schulden zu begleichen? Ich schlage nicht vor, dass er den Inhalt seines Kontos unterschreibt, aber es würde sich sicherlich auszahlen, mehr von diesen Schulden von seinem Teller zu bekommen? Seine anderen Finanzen sind in Ordnung. Oder soll er einfach seine monatliche Zahlung erhöhen?

—Mein Verlobter verdreht die Augen, während ich das schreibe

Liebes Augenrollen,

Aaaah! Ich freue mich sehr, wieder von Ihnen zu hören und freue mich, dass die Resonanz gut angekommen ist. Es hört sich so an, als ob es den Dialog für ein positives Finanzgespräch eröffnet hätte, was genau das war, was diese Situation brauchte!

Kommen wir nun zu den Studienkrediten, die Biden nicht zahlen wird. Ihr Verlobter hat Recht, wenn er sich weigert, sein Sparkonto aufzulösen, um seine Studienkredite zu bezahlen. Sie haben absolut Recht, wenn Sie sagen, dass einige tausend Dollar beeinflussen, wie viel er während der Laufzeit seines Darlehens zahlt. Aber im Moment würde ich es nicht empfehlen. Wenn uns die letzten anderthalb Jahre etwas gelehrt haben, dann ist es, dass unsere Wirtschaft im Handumdrehen umgedreht werden kann. Es ist jetzt wichtiger denn je, sicherzustellen, dass Sie über einen Notfallfonds verfügen, der die Ausgaben für drei bis sechs Monate decken kann. Es ist fantastisch, dass er über 15.000 Dollar hat, aber ich würde es nicht anfassen.

Es gibt noch ein paar Möglichkeiten, wie er den Betrag, den er im Laufe der Zeit zahlen wird, verringern kann. Sie haben bereits eines erwähnt: Erhöhen Sie seine monatlichen Zahlungen. Er kann mit dem beginnen Schulden-Schneeball-Methode, und sobald er sieht, wie schnell sich die zusätzlichen Zahlungen summieren, wird er versucht sein, seine Zahlungsbeträge noch weiter zu erhöhen. (Dies ist eine besonders gute Strategie, wenn er bereits die Sechs-Monats-Marke für Notfalleinsparungen erreicht hat.) Er kann auch nachsehen seine Studienkredite refinanzieren, möglicherweise den Zinssatz senken. Und schließlich sollte er dafür sorgen, dass seine Ersparnisse in einem ertragsstarkes Konto. Lass mich wissen, wie es funktioniert!

Geldberatung von Athena und Elizabeth, wöchentlich geliefert.

Lieber Pay-Dreck,

Mein Vater starb, als ich in der Grundschule war. Ich erhielt einen bescheidenen Betrag an Lebensversicherungsgeldern, den meine Mutter auf ein Anlagekonto einzahlte. Sie würde Geld von diesem Konto abheben, um in meinem Namen Dinge zu bezahlen – wie Kleidung oder die Privatschule, auf die sie mich schicken wollte. Sie entschied sich, nicht zu arbeiten, und ihr neuer Ehemann war oft arbeitslos oder unterbeschäftigt. Wir lebten im Grunde alle von den Leistungen meiner Hinterbliebenen der sozialen Sicherheit. Sie hat mich finanziell abgeschnitten, sobald ich die High School abgeschlossen hatte und die Leistungen aufhörten (also habe ich sie vielleicht finanziell abgeschnitten?).

Obwohl ich sehr genügsam lebte, war das Konto am Ende des Colleges auf fast die Hälfte geschrumpft, was ich ursprünglich erhalten hatte, aber ich habe es seitdem nicht mehr angerührt. Jetzt ist das Guthaben fast wieder auf dem ursprünglichen Betrag, den ich von meinem Vater erhalten habe.

Ich bin finanziell nicht sehr gebildet, aber mein Mann ist es. Er hat klug in den Aktienmarkt investiert, so dass er sich jetzt zurückziehen könnte, wenn er wollte (er ist Anfang 40). Ich habe ehrlich das Gefühl, dass er mein Geld genauso sinnvoll, wenn nicht sogar besser anlegen könnte als den Investmentfonds, aber ich habe eine emotionale Bindung zu diesem Geld, weil es im Grunde alles ist, was ich von Papa übrig habe. Außerdem habe ich aufgrund von COVID nicht daran gearbeitet, unsere Kinder beobachten zu können. Ich mag es, meinen eigenen Notgroschen zu haben, zumal ich nur zu gut weiß, dass meinem Mann jederzeit etwas passieren kann. Falls die Dinge aus irgendeinem Grund in den Süden gehen sollten, hätte ich zumindest für ein oder zwei Jahre genug, um über die Runden zu kommen.

Ich denke, ein Grund für mein Zögern, meinen Mann mein Geld anlegen zu lassen, liegt zum Teil im finanziellen Missbrauch durch meine Mutter, und ich wäre auch am Boden zerstört, wenn etwas passiert, weil es von meinem Vater kommt. Ich vertraue meinem Mann voll und ganz, aber ich stoße immer wieder an eine Wand, wenn ich versuche zu entscheiden, was ich mit diesem Geld anfangen soll. Soll ich es auf demselben Konto belassen, es meinem Mann überlassen oder etwas ganz anderes tun?

-Blutgeld

Liebes Blutgeld,

Es tut mir leid, dass Ihr Vater gestorben ist, als Sie noch so jung waren. Meine Mutter starb im ersten Jahr an der High School, und ich hatte eine Familie, die mich für meine Sozialversicherungsschecks benutzte. Es nervt. Aber bitte wissen Sie, dass Ihre Mutter Sie finanziell abgeschnitten hat und nicht umgekehrt.

Aufgrund der Geschichte des finanziellen Missbrauchs, den Sie in Ihrer Vergangenheit erlitten haben, ist es völlig gerechtfertigt und verständlich, dass Sie Ihren Notgroschen von Ihrem Ehemann fernhalten wollen. Alle Frauen sollten ihr eigenes Geld beiseite legen, egal ob sie glücklich verheiratet sind, den Ausgang im Auge haben oder eine Katzendame von einer. Eine Ehe ist nicht gleichbedeutend mit finanzieller Sicherheit, insbesondere für eine Frau. Alles kann passieren, und Sie möchten Ihr eigenes Geld haben, das leicht zugänglich ist.

Ich denke, du solltest einen einstellen zertifizierter Finanzplaner um Ihnen zu helfen, Ihr Erbe zu übergehen und eine Anlagestrategie zu entwickeln, mit der Sie sich wohl fühlen. CFPs können entweder sein kostenpflichtig, wo Ihnen eine Pauschalgebühr für die Nutzung ihrer Dienste in Rechnung gestellt wird oder sie Provisionen aus Finanzprodukten verdienen können, die sie für Sie verkaufen oder verwalten. ich würde mit a anfangen CFP der regelmäßig Ihr Portfolio verwaltet und mit Ihnen zusammen eine Finanzstrategie entwickelt, mit der Sie sich wohl fühlen. (Sie können auch Freunde fragen oder lokale Social-Media-Foren nach Empfehlungen für vertrauenswürdige CFPs durchsuchen.) Ich freue mich auf Sie und Ihre neue Investitionsreise!

Lieber Pay-Dreck,

Seit meinem Abschluss an der Graduiertenschule im Jahr 2011 arbeite ich Vollzeit für dieselbe gemeinnützige Organisation und bezahle ständig meine Bundesstudiendarlehensrechnungen (bis zur COVID-Befristung, die letztes Jahr begann). Ich habe jeden Monat das Minimum bezahlt, was die Zinsen kaum kratzt. Ich hoffe, dass meine Kredite im Rahmen der Programm zur Vergebung von Darlehen im öffentlichen Dienst innerhalb des nächsten Jahres.

Meine Darlehen belaufen sich auf 92.000 US-Dollar – fast 20.000 US-Dollar mehr als bei meinem Abschluss. Und ich habe gerade erfahren, dass meine Kredite auf einen neuen Kreditnehmer übertragen werden. Das letzte Mal, als das passierte, „verlor“ ich etwa ein Jahr an qualifizierenden Zahlungen, was mich um ein weiteres Jahr zurückwarf und mir große Angst machte. Ich möchte nicht, dass dies noch einmal passiert; Ehrlich gesagt möchte ich nicht mehr bezahlen, als ich bereits habe! Es war ein großes Gewicht um meinen Hals, das mich direkt daran hinderte, Geld zu sparen, Eigentum zu besitzen, eine Familie zu gründen oder aus dem gemeinnützigen Sektor auszusteigen, aus Angst, die Kreditvergabe zu verlieren. (Ja, ich bedaure, zu glauben, dass ich diesen Abschluss brauchte – eine große Zeit.) Wenn mir die Kreditvergebung nicht gelingt, sehe ich keinen Ausweg aus diesem Loch. Ich würde gerne einen vertrauenswürdigen Beratungsdienst für Studienkredite finden, der mir dabei hilft, und ich sehe Unternehmen, die Hilfe anbieten, aber ich bin mir nicht sicher, welchen ich vertrauen soll. Ich werde jeden Rat, den Sie für mich haben, aufsaugen.

—Gefangen in einer bodenlosen Grube

Liebe Gefangene,

Das Problem mit dem PSLF-Programm ist, dass es eines Tages kann es nicht mehr geben. Es gibt Millionen andere, die hoffen, dass das Programm noch läuft, wenn ihre Kredite vergeben werden. Sie sind also nicht allein mit Ihrer Angst, mit diesen Schulden für immer hier festzusitzen.

  1. Ich habe ein Land mit einer beunruhigenden Geschichte geerbt

  2. Mein Partner und ich führen einen Finanzkrieg wegen Eistees

  3. Eine Diamantkette zerreißt meine Familie

  4. Mein Onkel hat eines der Strandhäuser meiner Familie beschlagnahmt

Wenn Ihre Kredite an einen neuen Dienstleister übertragen wurden, sollte dies in der genau dokumentiert worden sein Nationales Datensystem für Studienkredite. Die Informationen liegen in der Regel innerhalb von zwei Wochen nach der Kreditübertragung vor, sodass Ihre Zahlungen zum Zeitpunkt der Benachrichtigung für das PSLF-Programm korrekt dokumentiert sein sollten. Gab es eine Lücke in den Unterlagen, die an das Bildungsministerium geschickt wurden? Ich erwähne dies, denn wenn es ein Fehler auf der Seite des Verwalters war und nicht bei Ihnen, könnten Sie diese Zahlungen möglicherweise auf den Betrag anrechnen lassen, den Sie für die Vergebung benötigen. Es ist Ihre Zeit wert Telefon abheben und versuche ein paar Antworten zu bekommen.

Wenn das nicht hilft, empfehle ich einen Termin mit dem Nationale Stiftung für Kreditberatung. Es ist die größte gemeinnützige Beratungsstelle in den Vereinigten Staaten und hilft bei Kreditproblemen sowie bei Studienkrediten. Ich möchte Sie um Rat zum PSLF-Programm, zu den fehlenden Zahlungen und zum Umgang mit den Studentendarlehensschulden bitten, bevor Sie versuchen, sich bei einem privaten Kreditgeber oder anderen Optionen zu refinanzieren, die in Ihren Ziel-Google-Ergebnissen angezeigt werden könnten. NFCC kann möglicherweise auch auf andere Programme oder Ressourcen verweisen, die Ihnen helfen können. Und merke dir: Du bist nicht allein.

—Athene

Einführung in die So geht’s Podcast

Ihre wildesten Fragen zu Sex-Ratschlägen werden jetzt in Ihren Kopfhörern beantwortet. Hören Sie jeden Sonntag neue Folgen mit Stoya und Rich, mit exklusiven Folgen für Slate Plus-Mitglieder montags.

Companion’s meals dependancy is draining our price range: cash recommendation.

Pay Dirt ist die Geldberatungskolumne von Slate. Eine Frage haben? Schicke es hier an Athena und Elizabeth. (Es ist anonym!)

Lieber Pay-Dreck,

Mein langjähriger Partner kämpft mit einer ziemlich extremen Esssucht. Seit sie bei mir eingezogen sind, belasten ihre Essgewohnheiten unser Budget. Früher war ich einmal pro Woche einkaufen, bevor sie einzogen, und blieb beim Kochen meiner Einkäufe – ich plante ein- oder zweimal pro Woche, wenn ich mit Freunden auswärts essen würde. Jetzt, scheinbar aus einer Laune heraus, wird mein Partner sich daran machen, etwas zum Mitnehmen zu kaufen oder etwas anderes aus dem Lebensmittelgeschäft zu holen, um eine völlig andere Mahlzeit zuzubereiten als die, die es zu Hause gibt. Ich bitte sie um ihren Beitrag zur Lebensmittelplanung für den Wocheneinkauf, aber schon am nächsten Tag wollen sie nichts im Kühlschrank essen.

Wenn ich sie sanft zurückdrängte und sie daran erinnerte, dass Essen uns davon abhält, finanzielle Ziele zu erreichen, flippen sie aus und haben eine riesige Kernschmelze oder werden völlig katatonisch und drohen mit einem Hungerstreik. Ich bin am Ende meines Wissens, wie wir unser Essensbudget wieder in den Griff bekommen können, ohne noch mehr Drama zu verursachen, denn Zehntausende von Dollar für Mitnahmen und zusätzliche Lebensmittel sind viel zu viel, als dass ich es an dieser Stelle ignorieren könnte.

—Müde vom Essen des Urlaubsfonds

Liebe Müde,

Sie machen keine Angaben, also nehme ich Sie beim Wort, dass Ihr Partner eine echte Esssucht hat, auch wenn das ein kompliziertes Konzept ist. Der Grund, warum Ihr Partner so ablehnend reagiert, wenn er über die Reduzierung des Lebensmitteleinkaufs spricht, ist, dass Sie drohen ihr Bewältigungsmechanismus. Sie versuchen nicht absichtlich, Ihren finanziellen Fortschritt zu behindern, obwohl ich leicht verstehen kann, warum sich das so anfühlt.

Sucht wird verursacht, wenn eine Aktivität die Dopaminfreisetzung in Ihrem Gehirn erhöht. Der Spike oder das „High“ beruhigt Sie und Sie kommen jedes Mal, wenn Sie gestresst sind, für mehr zurück. So wird aus einer Sucht ein Bewältigungsmechanismus. Wenn Sie sich bedroht oder gestresst fühlen, verwenden Sie. Im Gegensatz zu einer Drogen- oder Alkoholsucht können Sie kein kaltes Putenessen essen, weil Sie es zum Überleben brauchen. Es ist nur eine Frage Ihres Gehirns, zu wissen, wann es aufhören muss.

Sie können diese Situation nicht überbieten, daher besteht der erste Schritt darin, Ihren Partner davon zu überzeugen, mit der Therapie zu beginnen. Ein Therapeut kann Ihrem Partner helfen, zu erkennen, wie eine gesunde Beziehung zum Essen aussieht, und ihm helfen, gesündere Bewältigungsmechanismen zu entwickeln. Da sind mehr erschwingliche Optionen Heutzutage, und wenn Ihr Partner nicht geht, können Sie es immer noch. Ich empfehle Ihnen auch, nach einem zu suchen Selbsthilfegruppe für Freunde und Familien von Suchtkranken. Fangen Sie an, Ihre Lebensmittelausgaben getrennt zu halten, und sorgen Sie sich vorerst nur um sich selbst. Sie können nicht kontrollieren, was Ihr Partner ausgibt und konsumiert, aber Sie können beginnen, Grenzen für das zu ziehen, woran Sie bereit sind, sich zu beteiligen.

Lieber Pay-Dreck,

Meine Eltern starben, als meine Schwester und ich Teenager waren, und wir sind jetzt beide Ende 40. Sie haben uns genug Geld hinterlassen, um das College zu beenden, plus jeweils etwa 100.000 Dollar. Ich habe diese Mittel schon früh im Leben sehr sparsam verwendet und das meiste davon für den Ruhestand gespart. Meine Schwester hat alles schnell durchgebrannt und hat immer wieder Boom/Bust-Zyklen durchgemacht. Wir verdienen ungefähr gleich viel, aber meine Familie fühlt sich viel wohler und hat aufgrund unserer Entscheidungen, die wir alle getroffen haben, viel mehr für den Ruhestand gespart. Wir machen gerne Urlaub mit ihrer Familie, aber zwangsläufig bezahle ich im Moment für Dinge und sie zahlt es mir entweder nie zurück oder lässt mich zu kurz kommen. Sie wird mir auch sagen, dass sie mir Geld zum Geburtstag meiner Kinder schicken wird, was ich ihnen sage, und dann zahlt sie nie – also bekommen sie entweder kein Geschenk oder ich bin am Haken. Meinem Mann und mir geht es im Allgemeinen gut, aber wir sind selbstständig und wollen die College-Kosten für zwei Kinder herunterschrauben, also gehen wir vorsichtig mit unserem Geld um. Wir werden überleben, wenn sie es mir nie zurückzahlt, aber es ist eine Schande, das Gefühl zu haben, immer am Haken zu sein, weil ich mit meinem Geld vorsichtiger bin.

Meine Schwester ist sensibel in Bezug auf Geld und unweigerlich, wenn ich sie dränge, es mir zurückzuzahlen, ist es eine schlechte Zeit für sie und ich fühle mich am Ende schrecklich. Soll ich einfach akzeptieren, dass sie ihren Anteil nie vollständig decken wird? Ich hasse es, im Urlaub alles auf den Kopf zu stellen, aber wir haben eine Familienreise nach Hawaii geplant, und ich kann es mir einfach nicht leisten, mehr als den Anteil meiner Familie abzudecken. Wie ändere ich diese Dynamik?

—Kleine Schwester, nicht die Bank

Liebe nicht die Bank,

Ich frage dies so sanft wie möglich: Wann wird Ihre Schwester jemals unempfindlich in Bezug auf Geld sein? Es hört sich so an, als würde sie diese Reisen mit dem Wissen unternehmen, dass sie ihren Anteil nicht bezahlen kann und nicht muss, wenn sie ihre Karten richtig spielt. Um die Dynamik zu ändern, müssen Sie einige Grenzen setzen, stat.

Von nun an sind Sie nicht mehr für die Buchung von Unterkünften für alle verantwortlich. Wenn sie lieber eine Wohngemeinschaft als separate Eigentumswohnungen möchte, muss sie dafür bezahlen und du schickst ihr deinen Anteil. Wenn sie kein Geld hat, um ihre eigene Reise zu buchen, muss sie nicht in den Urlaub fahren. Wenn sie nach dem Grund für die plötzliche Veränderung fragt, teilen Sie ihr mit, dass Sie aufgrund anstehender Ausgaben weniger Cashflow haben und sie nicht mehr erkennen können. Hülse wahrscheinlich sauer sein und versuchen Sie, Sie zu manipulieren, da Sie eine neue Dynamik aufbauen, aber halten Sie sich.

Verbringen Sie als Nächstes einige Zeit damit, darüber nachzudenken, warum du ermöglichst sie in erster Linie. Ist es Schuld daran, so gut zu sein und klug mit Ihrem Geld umzugehen? Wollen Sie sich um sie kümmern, weil Ihre Eltern jung sterben? Wir befähigen Menschen, wenn wir etwas zu gewinnen oder zu verlieren haben. Beginnen Sie damit, die Gefühle oder Gedanken zu verfolgen, die Sie in dieser Situation haben, um zu sehen, ob es ein Muster oder einen Auslöser gibt. Ich hoffe, es wird Ihnen helfen, Ihre Rolle zu erkennen und verschiedene Wege zu finden, um Unterstützung zu zeigen, ohne Ihren Geldbeutel leer zu machen.

Geldberatung von Athena und Elizabeth, wöchentlich geliefert.

Lieber Pay-Dreck,

Ich habe eine tolle Beziehung mit einem lieben Mann. Wir waren beide schon einmal verheiratet, und in beiden Beziehungen war ich der Geringverdiener, da ich jünger und früher in meiner Karriere bin. Mein Ex hatte immer versprochen, dass er mich finanziell absichern würde, wenn wir uns trennen würden, aber als wir uns scheiden ließen, hielt er dieses mündliche Versprechen zurück. Ich wollte keinen rechtlichen und emotionalen Ärger und nahm am Ende sehr wenig mit, ließ das Auto und das Haus zurück und machte Schulden, um eine Kaution für die Anmietung einer Wohnung mit Freunden zusammenzukratzen. Im Grunde fühlte ich mich eine Zeit lang finanziell sehr verwundbar und etwas verbrannt von dem gebrochenen Versprechen.

Meine derzeitige Beziehung ist ganz anders: Er hat mir geholfen, meine Schulden zu begleichen, und jetzt verdiene ich fast so viel wie er. Allerdings habe ich noch keine Ersparnisse, aber er hat ein Sparkonto mit rund 10.000 Dollar. Ich stehe kurz vor einer weiteren kurzen Arbeitsunterbrechung, da ich schwanger bin. Wir wollen ein Haus kaufen (das wir derzeit vermieten), und meine Mutter, die kürzlich etwas Geld verdient hat, hat mir angeboten, mir eine große Summe für die Kaution zu zahlen, etwa 40.000 Dollar. Was ist das Faire und Richtige, um sicherzustellen, dass wir finanziell gleichberechtigt am Haus beteiligt sind? Ich möchte mich sicher fühlen, wenn wir uns trennen, aber ich möchte meinen Partner nicht in die gleiche unfaire Lage bringen, in der ich vorher war. Aber als jüngere Frau habe ich nie das Gefühl, dass ich finanziell gleichberechtigt bin, wie ich sein möchte.

—Nicht so unabhängige Frau

Liebe unabhängige Frau,

Ich möchte, dass Sie von nun an wissen, dass Sie finanziell gleichgestellt sind, egal in welcher Beziehung Sie sich befinden. Sie sind eine böse Frau, die böse Dinge tun kann. Sie können sich schützen und gleichzeitig fair sein, und genau das ist Ihre Aufgabe, wenn es um Ihre Finanzen geht.

Ihr erster Schritt, falls Sie es noch nicht getan haben, ist herauszufinden, wie viel Haus Sie sich leisten können. Sie können ein Online-Tool wie verwenden Zillow um eine Verbindung zu einem Kreditgeber herzustellen, der eine Vorabgenehmigung vornehmen kann – obwohl Sie manchmal eine Vorabgenehmigung erhalten, die Ihrem Budget mehr als bequem entspricht, stellen Sie also sicher, dass Sie Ihre Obergrenze kennen. Eine Vorabgenehmigung kann Sie auch darüber informieren, ob Ihr Schulden-Einkommens-Verhältnis und Ihre Kreditwürdigkeit Ihren Zinssatz oder sogar die Chance auf einen Kredit beeinflussen.

Ich schlage nicht vor, den Eigenheimtitel in Ihre beiden Namen zu schreiben, wenn Sie nicht beide auf der Hypothek stehen. Der Titel ist manchmal wichtiger als die Hypothek, da er vorhersagen kann, wie Ihr Eigentum aufgeteilt wird, wenn Sie sich trennen. EIN Mietvertrag gemeinsamer Titel kann angeben, dass jemand mehr vom Haus besitzt, weil er mehr Geld für eine Anzahlung verwendet hat. Wenn Sie also 40.000 US-Dollar für ein 100.000-Dollar-Haus ausgeben und Ihr Partner 10.000 US-Dollar dafür einsetzt, würden Sie 40% besitzen und er würde 10% besitzen. Du könntest auch a gemeinschaftliches Mietverhältnis mit Hinterbliebenenrecht, wenn Sie beide Eigentümer des Hauses sind und die Immobilie ohne die Zustimmung des anderen nicht verkaufen oder behalten können.

Es gibt auch andere Möglichkeiten, dies aufzuteilen: Sie legen beide den gleichen Betrag hin, den Rest behalten Sie in einer Notkasse und übernehmen die Kosten für eine neue Couch und Matratze. Ich denke, Sie sollten alle Möglichkeiten untersuchen, wie Sie dies angehen können, sich dann hinsetzen und Ihre Liste mit ihm besprechen. Teilen Sie Ihre Bedenken mit, besprechen Sie die Optionen und erklären Sie, welche Sie bevorzugen. Tun Sie am Ende des Tages das, was Sie für richtig und fair halten und das Ihnen Seelenfrieden bringt.

Lieber Pay-Dreck,

Wie fange ich an, ein Notgroschen zu bauen? Ich bin Mitte 30 und hatte noch nie viel verfügbares Einkommen, da meine Eltern meinen Bachelor-Abschluss „bezahlt“ haben, indem sie in meinem Namen Kredite aufgenommen haben, und danach einen Mindestlohnjob im Einzelhandel angenommen haben Ich machte meinen Abschluss und sammelte dann fast so viel wie meine Studiengebühren an Kreditkartenschulden mit hauptsächlich unverantwortlichen Ausgaben. Ich bin stolz, sagen zu können, dass ich die Kreditkartenschulden in den Griff bekommen habe. Ich habe es mit Privatkrediten konsolidiert, die in etwas mehr als einem Jahr abbezahlt sind, ich habe gelernt, meine Ausgabengewohnheiten zu kontrollieren, und ich verdiene jetzt 65.000 Dollar jährlich. Mein Studienkredit ist refinanziert und überschaubar. Aber obwohl ich Dinge wie die direkte Einzahlung auf ein Sparkonto getan habe, die ich nur in Notfällen anfasse, habe ich immer noch nicht das Gefühl, dass ich genau weiß, wie ich mit meinem zusätzlichen Einkommen am besten umgehen soll. Wie lerne ich, mein Geld besser zu verwalten?

—Erholter Kreditkarten-Süchtiger

Liebe Genesung,

Ein großes Lob an das Ablegen der Karte und einige große Geldbewegungen! Du bist auf dem richtigen Weg. Jetzt müssen wir Sie nur noch auf die Ziellinie hinweisen. Sie lernen, wie Sie Ihr Geld besser verwalten können, indem Sie recherchieren. Ich denke, am besten beginnen Sie mit einem nur kostenpflichtiger Finanzberater.

  1. Meine Frau hat wegen Joe Biden die Zahlung ihres Studentendarlehens eingestellt

  2. Ich möchte sicherstellen, dass die Tochter meiner Freundin keinen Cent bekommt, wenn ich sterbe

  3. Meine Schwägerin ließ ihre Tochter ein bizarres Kartenspiel spielen, um ihr finanzielles Schicksal zu bestimmen

  4. Ich bin Schachmeister. Ist es in Ordnung, meine Kollegen zu bedrängen?

Die Zahlung einer Pauschalgebühr für ein Gespräch mit einem Fachmann ist es mehr als wert. Finanzberater helfen Ihnen, Ziele für Ihre Zukunft in Bezug auf Ihr Einkommen zu setzen und zu verstehen, welche Finanzprodukte am besten zu Ihnen passen. Dies ist eine großartige Möglichkeit, Ihre finanzielle Zukunft erfolgreich zu gestalten und gesunde Spargewohnheiten zu entwickeln, die Sie dorthin bringen. Sie können Ihre Freunde um Empfehlungen bitten oder einen Berater finden, indem Sie das Garett Planungsnetzwerk.

Wenn Sie auf den Finanzberater warten möchten, bietet das Internet jede Menge persönliche Finanzberatung (wie diese Kolumne!), sowohl kostenlos als auch kostenpflichtig. Ich liebe das Buch Pleite Millennial von Erin Lowry für allgemeine Finanzberatung. Ich empfehle auch, zu sparen drei bis sechs Monate Ausgaben in Ihrem Notfallfonds. Stellen Sie schließlich sicher, dass Sie alle 401 (k) -Matches oder andere Altersversorgungsleistungen Ihres Arbeitgebers nutzen, oder schauen Sie sich eine Roth IRA an, die Sie selbst (oder beides) durchführen können. Viel Glück!

—Athene

Weitere Ratschläge von Slate

Unsere 12-jährige Tochter kümmert sich nicht um Popularität oder das Tragen von Designermarken, aber ihr Kleidungsgeschmack beginnt sich in Richtung Form statt Funktion zu bewegen. Bis jetzt sind wir mit einigen davon durchgekommen, dass wir zu Beginn eines jeden Schuljahres nur die Grundlagen gekauft haben, aber ich denke, wir müssen es neu bewerten. An ihrer Schule gibt es eine Kleiderordnung, aber keine Uniform, und sie fühlt sich unsicher, wenn sie Outfits trägt, die weniger trendy sind als die der anderen Schüler. Ich möchte nicht, dass sie auffällt, weil sie anders gekleidet ist, aber gleichzeitig haben wir ein begrenztes Budget und noch begrenztere Energie und emotionale Ressourcen, um sich an Kleiderschlachten zu beteiligen.

Workplace playing and chess event: cash recommendation.

Pay Dirt is Slate’s money advice column. Have a question? Send it to Athena and Elizabeth here. (It’s anonymous!)

Dear pay crap,

My office has set up a small chess tournament. Although not directly part of the competition, many of those involved have placed bets on their individual scheduled matches. Some offers have already been made to me myself, but I have not initiated any. I have no objection to gambling, at least in theory, but in this particular case there is a problem.

I am an international FIDE master. If you don’t play chess, consider my chess game to be on par with a good minor league player of your choice: not good enough to compete in a high-profile professional setting, but still orders of magnitude better than a casual player. Quite simply, taking a bet from my coworkers just means taking their money. I’ve tried mentioning this a couple of times and each time it’s been dismissed because I’m just trying to intimidate and undermine confidence. Is it okay to agree to a money bet when you know with absolute certainty that you will win?

—I don’t want “GM” to stand for “Gauche Master”

Dear GM,

Before you go swimming in money, first check if this tournament is breaking the law. Placing bets is considered to be gambling and illegal in the workplace in most states. If it’s illegal but you don’t want to act like a party-goer, stick with your no-go stance. If anyone should report this, you want to be as far away as possible.

If you are clear about this, taking people’s money is perfectly fine. Like Liam Neeson in Taken, you warned her that you were a very special skillsso there is a joke on it. If you feel very guilty, you can always use the money one day for an office reward like lunch or donuts. Get it, tiger.

Dear pay crap,

Stay home mom here. My partner is a very hard worker and deserves a good wage. He made it clear to me that once the kids showed up, I shouldn’t work. (We live abroad so it’s difficult to find a job in a place where I don’t speak the language I don’t speak) My boys are 4 and 7 years old now. However, I don’t have an overview of our finances. I have a credit card with a limit, but I get very little cash. How do I turn this area into a partnership rather than a one-way street if I don’t make any money myself?

-Confused

Love confused

Having a share in your family’s finances is important, so kudos for seeking advice on how to address the problem. Should your partner be absent for an extended period of time – or, God forbid, something should happen to them – you should be able to cover any financial situation they may face. This includes knowing your cash flow, having access to bank accounts, and keeping track of any bills that need to be paid. In addition to knowing about these financial matters, you should always have your name on any checking accounts that your family uses regularly, as well have their own individual account.

Find a time to speak to your partner about sharing this information. One way could be to ask him for one Money date with you one night after the boys were put to bed. Open a bottle of wine, get comfortable, tell him you are grateful for his hard work, and tell him you want more insight into family budgeting and expenses. You may not be contributing financially right now, but you are contributing to the budget and have invested significant sweat capital to make sure things went smoothly.

If your partner chooses not to discuss family finances with you, see if you can find out why he hesitates or refuses. It may take a different approach, a series of conversations, or even a discussion with a couples therapist, but having access to this information is important to your relationship.

Money advice from Athena and Elizabeth delivered weekly.

Dear pay crap,

I am self-employed, chronically ill, disabled and stressed. I am insured with the ACA and I am not afraid of becoming homeless (a fear in the past). But I’m 30 years old and I live in a one-room apartment in a low-cost city where I grew up. I may be sick seven to ten weeks a year, but not all at once. When I am sick, I am often hospitalized. Sometimes I can work anyway, sometimes not. Despite having insurance and making good money, my savings are wiped out almost every year by medical bills, co-payments for medication, and transportation costs.

I am so frustrated. I really want to buy a house. I want to know that I will never be evicted. Apart from that, I want to live in a bigger or more interesting place with better public transport – more expensive elsewhere. Am i missing something? How do I save enough for a down payment or moving costs? I will never find conventional employment due to my chronic absences, no matter how hard I work or how useful my skills are in the 80 percent of the time I am essentially fine. Nevertheless, in my self-employment as a copywriter, I ran into a wall and tried to turn to writing, which makes better money. I am honestly not very good at a lot of business things; I only started my own business as a last resort. I make too much money to qualify for welfare, which is a good thing overall. But are there options that I don’t see?

—Frustrated small business owner

Dear frustrated,

Your feelings are entirely valid. They’re often a medical emergency because you’ve wiped out your finances so you’re in a constant state of stress. This creates a bad cycle as stress can make you sick, and then you’ll be back at the hospital where you started. I myself have several chronic illnesses that I struggle with on a daily basis. It is exhausting, especially when you want more for yourself than your body allows.

There are two different types of income: active and passive income. Active income is a source of income that you regularly look for and work for, e.g. B. Your career as a copywriter. I would check that for your situation Sources of passive income, a source of income that doesn’t require a lot of effort. Some Ideas may take a little more effort at first but will wear off over time. Try to tuck away any income you get from these sources to help build your reserves – be it for a down payment, a move, or a deeper emergency fund.

I also want to make sure that you are considered Small business owner. You can qualify for a ton of tax breaks and potentially be able to move the needle financially if you use it. Don’t be afraid to turn things over to a professional accountant to help you further.

Dear pay crap,

How much can a paid financial advisor cost for basic advice? My partner and I are recently married and we want to speak to someone about retirement, diversifying investing beyond stocks, and saving for kids. I’ve looked for advisors on Feeonlynetwork.com and they seem really targeted towards rich people looking for in-depth investment advice. We actually have quite a bit of money, but our needs are pretty simple.

I Read online that rich people pay much more for the same financial advisor services, and that typical fees could end up around $ 2,500. I definitely don’t want to pay that much! Also, I have an irrational fear of a consultant looking after rich people who want to spend so much money that they get annoyed that we are looking for something simple and cheap. How do I find someone who wants to work with normal people?

—I’ll give you money, just not that much

Better give me your money

  1. I was stunned when I learned the truth about the finances I share with my husband

  2. My late husband left money for his parents in place of our son

  3. My parents cast my brother out after he got out. Do I have to share my inheritance with him?

  4. My husband has been financially abusive for years. Now the tide is turning.

Rich people pay because of the Type of consultant they choose. When you have a significant portfolio of assets to manage, you are ready to pay to have an expert invest their time managing your money for you. All financial advisors should want the best for you, but those who work on a commission basis tend to be more aggressive with their strategies. They can make commissions from regular administration – usually about 1 percent of your total portfolio, or $ 2,500 for a $ 250,000 account – or make money on financial products they sell to you.

Fee-based financial advisors are keen to assist you with this the best of their skills and have a lower risk of conflict of interest. It also makes sense to use one when you don’t need extensive help. These planners bill for their services in a number of ways and depend on location, experience, and other factors, but in general you can expect payment $ 150 to $ 400 an hour. Much like finding a doctor who takes your concerns seriously, choosing a financial advisor can be a shitty business. So I recommend asking for names of planners who like them on your own network. I would also suggest that Garrett Planning Network, a one-stop shop for finding a paid financial advisor. You can sort the ones listed by certification, area of ​​expertise, and location so you’re sure to find the one that best suits you and your family’s needs.

—Athens

More advice from Slate

My 5 year old daughter is taking dance lessons from a teacher she loves, Miss Emma. Her Christmas concert was that week and Emma asked all parents to pay $ 50 for the concert costume. I just picked up the costume and it still has a $ 25 price tag attached. Emma is a very nice teacher and my daughter would love to continue teaching with her, but I’m a little annoyed. Should i tell her something?

Splitting inheritance with disowned brother: cash recommendation.

Pay Dirt is Slate’s money advice column. Have a question? Send it to Athena and Elizabeth here. (It’s anonymous!)

Dear Pay Dirt,

My parents had three children: my sister, “Valerie,” then my brother, “Jack,” then I came along as a surprise when Valerie was 15 and Jack was 12. We all turned into very progressive liberals, which was a constant disappointment to our very conservative parents. Jack, whom they could never accept as bisexual, got the worst of it. They were fine as long as he dated women, but when he married a man, they cut him off and refused to even speak of him. Valerie and I have remained in close touch with Jack, his husband, and their adopted son.

Our parents both passed away a few weeks apart in 2020, and their estate is in the process of being settled. They cut Jack out entirely and left everything 50/50 to Valerie and me. Jack has not said a word about this. But Valerie, who is the executrix, has been putting increasing pressure on me to gift a third of my share to Jack. She plans to do the same, so that each of us would end up with a third of the estate. Jack and his husband get by financially, but his husband has chronic health problems and their son, who is now 14, has autism. While semi-high functioning, he is unlikely to be able to hold down a job that will fully support him.

I fully agree that it was wrong of our parents to cut Jack out because of who he is. But they did what they did, and giving up a large chunk of her inheritance is much easier for Valerie, who has both a high-paying career and a similarly high-earning husband, and has never wanted kids. My fiancé and I, on the other hand, also just get by, and we plan to have two or three kids ourselves. Valerie has flat-out told me that if I choose not to divide my share with Jack, I am lending my support to our parents’ bigotry and don’t deserve to call myself a progressive. Do you agree, or do I have a moral (in addition to a legal) right to keep my full inheritance?

—Undeserving?

Dear Undeserving,

I believe you have a legal right to keep all of the money, but I agree with your sister that you’re perpetuating your parents’ bigotry if you choose to go that route, which was pretty clearly a mechanism by which they intended to punish your brother for being bisexual. You and your sister are capable of rectifying that wrong, and the choice to do it—or not—is entirely yours. I think if this situation didn’t potentially benefit you or wasn’t about money, the morality of it would be clearer, and I doubt you would hesitate.

Also, consider your relationship with your brother. He may not say anything, but I think you’d be naïve to assume he doesn’t notice or mind. You know his financial situation is similar to yours, and unlike you, he already has a dependent to support. Consider what it says, not just about your progressivism, but your sense of overall fairness toward your brother if you decide to keep the entirety of the inheritance. Your bigoted parents probably wanted you to sever your relationship with your brother, and you are allowing them to posthumously create a situation that might facilitate it. Don’t let them succeed.

Dear Pay Dirt,

I am a single woman in my mid-30s with three best friends from high school who are all married and have two kids each. We go on a “family vacation” each summer, which is lovely and great. To date, we have been splitting our rental costs “by family,” which for me means I pay the same as two adults and two children. This has generally worked fine while the kids were small and bunking together or sharing a room with their parents, but as time goes on and we find ourselves in need of more rooms and bigger homes to accommodate the brood, I wonder your opinion on how to split costs fairly. I can afford to pay a quarter of the share, but I can’t shake the feeling that I’m getting the short end of the stick. I’m thinking of proposing a “per bedroom” split, but again, I probably have the most disposable income (read: childless) so don’t want to be the asshole either. What say you?

—Family of One

Dear Family of One,

I think it’s reasonable to request a rethinking of the split when the next vacation rolls around. If you were in a block of hotel rooms instead of a rental, everyone likely would expect to pay a per-room share. If you’re worried about being perceived as an asshole, it’s really a matter of framing. Tell your friends, way ahead of time, that you’re making an effort to try to manage your money better and the rental costs keep going up because everyone is happily expanding their families, and you all need more space. Since you will only need one room, you’d like to figure out a split that’s more equitable, so that your costs don’t go beyond what’s reasonable for a single person. Then put the question to them: What do they think is reasonable? I doubt that any of them are going to make the argument that you should be subsidizing their kids. But if they do, you’ll have to decide if it’s worth the cost for you to continue these vacations.

Money advice from Athena and Elizabeth, delivered weekly.

Dear Pay Dirt,

My parents have been very good with their money for as long as I can remember, possibly to a fault. Paired with wise financial investments, coming into money from other family, and land purchases, I was set up for success in life. I was also raised that money is a private and taboo subject like politics and religion. While my husband and I are on the same page, his family does not hold those values. My perception is that they operate under the impression that a person is measured by their wealth. My husband and I want to be in my parents’ position one day financially, and we’re constantly working on our finances and saving.

The issue is that my husband has developed a superiority complex with money and his parents. We’ve achieved more in the few years we’ve been married than they have in their lives. His parents have been notoriously, and admittedly, not wise with their money. He gets angry seeing how their money has gone out the window. I agree it is their money and they can do with it whatever they please, but their declining health and their late ages aren’t being considered. Any large purchase questioned by him is met with hostility from his parents. They’ve accused us of being concerned that they are spending our inheritance and even brought my parents into their arguments by saying they are treated differently because they don’t have as much money as mine. Both of those statements have never been true! His comments about their spending and saving habits are always well-intended, but are met with hostility and aggression from his parents. There’s no way to preface the conversation without being accused of doing it out of morbid intentions. Do we have any right to guide or question them financially when they aren’t considering health complications or long-term care?

—Not Out for an Inheritance

Dear Not Out,

I disagree with your parents that money should be a private subject, and if we all talked about it more, I probably wouldn’t need to write this column. That said, it sounds like you and your parents have healthy boundaries regarding interference in each other’s financial decision-making and don’t suffer from the lack of trust your husband and his parents obviously have. If your husband’s parents genuinely believe he’s obsessed with his inheritance at their expense, despite the fact that you’re both self-sufficient and financially successful, there’s a bigger problem than the money.

And unfortunately, they really do have the right to make even bad financial decisions as long as they’re capable of having the agency to do so. Your husband needs to respect that. That doesn’t mean that he can’t ever talk to them about money, but he needs to focus on encouragement and not critiquing them. No one has ever corrected a bad habit because a family member routinely suggested they lacked good judgment.

As far as the comparison with your parents goes, your husband can always point out that your parents are fully set up for retirement and long-term care financially, so you don’t worry about them, and note that he’d like them to have the same sense of security about the future. They need to understand that the stakes are not about whether you’ll inherit anything, but whether you’ll end up having to support them financially if they experience health complications or other crises they haven’t prepared for. It’s fair for your husband to note that their lack of planning is causing him stress because he believes that he will bear the cost (both literally and figuratively) if something happens.

But questioning individual purchases is counterproductive: It probably makes your in-laws feel like they’re being policed or treated like children, and that’s where the hostility is coming from. You need to focus on the high-level conversation with them, which is that you want them to be secure if the worst happens.

Dear Pay Dirt,

I know that I should tip 20 percent at a standard table-service restaurant. And I should tip something—maybe a bit less? 10 percent? 15 percent?—for takeout. As we’re emerging from the pandemic, I went, for the first time, to a table-service restaurant where I ordered via my smartphone from the table. The server then brought the order to the table. I wanted to order dessert, so instead of waiting for the server, I just opened the app and added my dessert order. And then when I was done, I didn’t have to wait for the server to bring the check and run my credit card—all that happened on the app, too.

All that was pretty great—I didn’t have to flag anyone down, or feel forgotten—but what to do about the tip? A standard 20 percent seems like it’s a bit much, considering how much less the server actually did in this case. What’s the etiquette here? The internet isn’t helping me out much on this one.

—I Need a Tip

Dear I Need a Tip,

There is no standard etiquette for this, but ordering from a table-service restaurant via mobile is far more akin to ordering normally via table service than takeout. The server still has to respond to additional requests like bringing you extra silverware or a refill of water. They still have to clear your plates and be exposed to you in-person during a pandemic that is still raging. The only things a server is not doing are listening to you recite your order directly into their ears or physically running your card through a point-of-service system, which are not the hard parts of the job. If you don’t like your food, you’re still going to complain to the waiter, who did not personally cook it, and not the mobile ordering system. It’s close enough to regular table service that I think 20% still applies.

  1. My Husband Has Been Financially Abusive for Years. Now the Tables Are Turning.

  2. I Think My Dad Stole My Inheritance

  3. My Daughter Stole $127,000 From My Son’s Wrongful Death Settlement

  4. I Want to Cut Off My Stepson—and Give Money to the Woman He Had an Affair With

Personally, I believe our tipping system allows the hospitality industry to suppress worker wages and should be abolished in favor of reasonable rates. I don’t believe the ability of a server to make a living wage should be dependent on whether you or I are feeling generous on a particular day. But given that this is the way the system works, and it’s not changing anytime soon, I think we all have an obligation to err on the side of generosity. Restaurant workers are on the front lines during a dangerous and precarious time, and many people don’t have benefits and health insurance.

And invariably some people will be jerks and under-tip. If you can, strive to the be the person on the other side of that equation who adds a little more than necessary. Your server will notice and appreciate it. You’re not obligated to do it, of course, but we’re still experiencing extraordinary circumstances—which is why you’re ordering via your phone in the first place—and if you’re in a position to eat at a restaurant at all, it’s worth thinking about how to make it sustainable for the people who bring you your food.

—Elizabeth

Classic Prudie

After seeing several friends go through bitter and prolonged divorces, my husband has decided that he wants us to have a postnuptial agreement. He explains that our marriage is a “limited liability partnership” with no “out clause” and that he wants to put a “stop loss” in place, as if our marriage is one of his stock market trades. He says he doesn’t want to go on in this “contract”—meaning our marriage—unless I sign a postnup. We have been married four years and have a toddler son. My husband says if I don’t sign, he will serve me with divorce papers.

Do you have to take cash recommendation from Reddit? | Information, Sports activities, Jobs

Should You Take Money Advice From A Stranger On The Internet? In Reddit’s r / personalfinance channel, anonymous users exchange tips on buying a house, choosing insurance and dealing with very personal, differentiated financial situations. (Think: “How do I deal with my dying father’s debts?”)

“It’s like crowdsourcing financial advice” says Dana Eble, a Detroit-based public relations specialist who regularly searches r / personalfinance.

When you are not “To run” Like Eble, think of the site as an old school online forum. After you have registered for free, you can share texts, links and photos with an anonymous username. You can also rate positively, negatively rate, or respond to other people’s content. Posts and replies with the most upvotes rise to the top.

Reddit is organized by communities called subreddits based on interests. The subreddit r / personalfinance has 14.6 million members. Here are some things to keep in mind if you are one of those millions.

HOW REDDIT CAN MOTIVATE AND ENCOURAGE

Being active and aware of your money will help you get the most out of it. But for many, money is confusing to manage and inconvenient to discuss.

Scrolling through other people’s questions, problems, and advice can make the topic more normal and less scary.

The subreddit can even be motivational, especially for those who are just starting to think about financial decisions, says Logan Murray, a certified financial planner from Tempe, Arizona.

“Seeing colleagues getting on with their finances can encourage you to do the same.” he says. “It can make the wheels spin.”

Murray also likes r / personalfinance for sharing ideas like brainstorming passive income opportunities. With this strategy, he says, “People can choose what appeals to them.”

Millions of people who share their money experiences can also help you feel less alone. After all, says Eble, the r / personalfinance subreddit is a positive community with “No shame.”

She recalls the post of a desperate and embarrassed 20-year-old who ran into tons of debt and had to file for bankruptcy. The top answer was from someone who said they had to do the same thing in their 20s and that it will be fine.

LIKE THE COUNCIL – IT’S A MIXED BAG

R / personalfinance “Wiki” Page is on Reddit, but separate from the forum. It’s chock-full of useful, in-depth guides on topics like budgeting and much more. Eble consulted it when she started building her emergency fund and learning a little about 401 (k) s.

As for the contributions and responses, the quality of the advice is a “mixed bag,” says Jeff Ledford of Arlington, Virginia. He frequently browses and replies to r / personalfinance posts and is also a certified government finance manager.

Ledford says some posters have to be professionals because their tips are “to the point.” But “There is also a lot of advice that is better to ignore.”

Curtis Bailey, a Cincinnati-based CFP, has also received solid advice on the r / personalfinance subreddit, especially when it comes to basics like managing debt and cash flow. But he also saw misinformation, for example about taxes.

So it’s hard to tell which pieces of advice are worth taking and which are, well, rubbish. In fact, Preston Cherry, a CFP from Green Bay, Wisconsin, describes Reddit’s r / personalfinance as unfiltered “Garbage data” With “a lot of unconfirmed information.”

Cherry points out that the country has a low rate of financial literacy, which is likely reflected in a community-based platform. So the community aspect of Reddit “Reduces the quality of the information” he says.

HOW TO FOLLOW R / PERSONALFINANCE’S ADVICE?

Use r / personalfinance as a source of motivation rather than as specific advice. Aside from the fact that much of the channel’s advice is unconfirmed, Cherry points out that “Personal finances are personal indeed.”

What works for a Redditor may not necessarily work for you as your circumstances and experiences will be different.

As Murray concludes: “You are responsible for your own decisions and your own research.”

If you’re considering seeking advice from Reddit, try checking elsewhere first. Start with a Google search and look for web pages that cite the source of the information or advice, says Bailey. For example, the page can describe a study that supports the advice, show a calculation, or quote an expert or organization.

TRY OTHER SOURCES OF HELP

If you’re struggling to pay bills or manage debts, these sites can be more helpful than Reddit:

– 211.org: Network with resources and programs to help meet basic needs.

– NFCC.org (The National Foundation for Credit Counseling): Find more than a dozen financial calculators and other tools, such as a monthly budget planner.

– AFCPE.org (The Association for Financial Counseling & Planning Education): Register for free virtual financial counseling and coaching sessions.

To easily learn more about personal finance, Bailey recommends taking your reading offline. Rather than skim through individual pieces of advice, read personal finance books that Bailey says can help you “a lot more nuances and depth of understanding.” (To attempt “The Geometry of Wealth” Bailey says.)

With a deeper understanding, you may be more comfortable with money and better equipped to spot shoddy advice – on Reddit or elsewhere.

– – –

This column was provided to The Associated Press by the personal finance website NerdWallet. Laura McMullen is a writer at NerdWallet. Email: lmcmullen@nerdwallet.com. Twitter: @lauraemcmullen.

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My husband makes me present receipts for every part I purchase: cash recommendation.

Pay Dirt is Slate’s new money advice column. Have a question? Send it to Athena and Elizabeth here. (It’s anonymous!)

Dear Pay Dirt,

My partner grew up poor, while I grew up more middle-class. He has always controlled all our finances, and spends hours monthly on budgeting and checking bills, credit cards, etc. I’ve never known anybody who obsesses like this. All income, including gifts, goes to the joint account, and I have to keep receipts for everything I buy, down to a coffee, so he can record and check it. We have a fairly big (but manageable) mortgage, and our child has added many more costs to our lives, but otherwise we’re OK.

I was very young when we got together, and I went along because I didn’t know anything else. Recently, I’ve started to hate it. I hate that he checks anything I buy. I hate that he says it has to be this way because there’s nothing extra. I understand the way his insecure upbringing shaped him, but anytime I ask about doing things differently, I end up feeling scolded, unreasonable, and frivolous. I can’t see a solution. Maybe you can?

—In-House Class War

Dear In-House Class War,

It sounds like you are very patient with your husband and very understanding of his background and how it might reflect through his ideas on money management. However, I’m worried that he may be trying to control you through financial abuse, but I will give him the benefit of the doubt and suggest a few possible approaches.

First, you should have a separate checking account in your name only. You’d contribute your agreed-upon portion into the joint account, and whatever’s in this account would be yours to spend, without scrutiny. This would also help you in case funds are frozen in the joint account. Second, if he hasn’t, he needs to share all the joint account information with you. You need to know where your money is going just as much as he does. Things happen, and your spouse could be left unable to handle your family’s affairs. The last thing you need to worry about is how to log in to pay a bill on time.

Ask if he would consider learning more about finances with you as a couple. There are some great resources out there for learning about money as a couple—the Couple Money podcast is focused on those starting to manage money together for the first time, and David Bach’s Smart Couples Finish Rich offers tools and strategies for managing money as a team.

If you’re still not seeing eye to eye, your requests for changes are met with more scolding or anger, and you want to keep pushing forward, you might try couple’s counseling. It may take an outside voice (although it shouldn’t) to help him realize he has some unhealthy behaviors about money and treating you like an equal. If you fear there is financial abuse, the National Network to End Domestic Violence has a list of signs to look for and next steps with resources. If you’re unable to access the link on a safe computer, call the National Domestic Violence Hotline at 1-800-799-7233 and/or talk to a trusted friend or relative about helping you and your child plan a safe exit. You deserve not to feel scolded or unreasonable for spending your own money.

Dear Pay Dirt,

A relative of my spouse’s died very unexpectedly several months ago. They lived far apart, but I would say they had a pretty close relationship. The estate as a whole is a complicated situation, which my mother-in-law and her sibling are primarily handling. Recently, we learned that my spouse appears to be the sole beneficiary of a life insurance policy that’s going to pay out a life-changing amount of money. Like, pay for grad school levels of life-changing. But the whole family is puzzled as to why my spouse is the only beneficiary and the cousins were left out.

It seems like it must have been a deliberate choice, but there wasn’t any bad blood between this relative and the other family members, and they left no explanation for the situation.

There are definitely some hurt feelings, and at least one person has made comments about how they “certainly hope” that my spouse will “do the right thing,” heavily implying that they should share the money. Some cousins are more than financially secure, while others have much less.

Should we volunteer to share the money, or follow the (presumed) wishes of the deceased and keep it all? However much we decide to keep, how can we most wisely invest this windfall? (We likely wouldn’t need to pay for anything big, like tuition, until fall of next year.) I feel that it’s right to share some of the money with a few family members who really need it the most—but is that going against the deceased’s wishes? Or am I telling myself that because I kinda wish we could keep it all?

—This Feels Awkward

Dear Awkward,

It sounds like your spouse lost a relative whom they shared a unique and close bond with, especially if they were left with their own inheritance that was separate from the rest of the family. The other relatives may be puzzled and hurt by this, but that is not your spouse’s fault, nor is it their concern. It was deliberate for a reason only known to the relative, and now it’s a mystery no one can solve!

Whether you want to share it with family or keep it all is entirely up to you—there’s no right or wrong decision here. You say you feel it’s right to share, but you need to make sure that’s what your spouse wants, too, especially since they are the recipient of this financial gift. Talk with your spouse and make sure you are on the same page about what to do with the money. If you do decide to share, you can gift an amount to all cousins so that it is “fair,” or you can just give a financial gift to a select few. Make sure time has passed and feelings have died down, and try to keep the conversation civil and focused—though, in this situation, someone is bound to be hurt, regardless of outcome.

Once you receive your inheritance check, it needs to go into an investment account that will help you grow your money over a short period of time. A money market account has interest rates that are better than a high-yield savings account, and this investment vehicle still allows you to access cash so you can make payments on your grad school tuition without a lot of hassle. If you decide to keep it with an eye on the longer term, I suggest making an appointment with a fee-only financial adviser.

Money advice from Athena and Elizabeth, delivered weekly.

Dear Pay Dirt,

I finished graduate school last year with about $50,000 in student loan debt, including the loans from my undergraduate degree. My loans were put on-hold while I was in grad school, and then again during the pandemic, so I haven’t made any payments since 2018. I’ve been living at home, working full-time, and saving money since graduating college six years ago, so I’ve been able to save over $60,000—enough to pay off my loans in one lump sum!

Here’s the problem: My family thinks this is a bad idea and that I should pay it off in $300 payments every month instead of emptying my savings all at once. I understand their concerns. I plan on moving out soon, so it would be nice to have this money just in case. I make about $40,000 a year and live a in a pretty expensive city. But I also feel like the money isn’t really mine—it belongs to the Department of Education. I’m proud of myself for saving this money, and I think it would be a huge relief to be completely debt-free after making one big payment. Is that irresponsible? Is it better to pay it off monthly over the course of several years? I’ve been waiting to see whether the new administration would forgive a big chunk of my debt, but this seems unlikely now. What should I do?

—Torn Over My Loans

Dear Torn Over My Loans,

Kuddos to being able to save $60,000! That is such a huge accomplishment, so pat yourself on the back.

I think you should pay your student loans off in full. Explain to your family that paying off your student loans early will mean substantially less interest, saving you thousands of dollars over the course of your loan. (A simple loan calculator can help you estimate just how much you’d save in interest, depending on your interest rate and loan term.) It’s common for people to make the minimum payment on their loans and years later be worse off than where they had originally started. Some people might argue that paying off your loans early could affect your credit score, but unless you’re imminently planning to buy a house, this shouldn’t be an issue.

The bonus here, too, is that even if you pay your loans off in full, you still have an emergency fund of $10,000. If you aren’t in a hurry to move out, ask your family if you could stay longer and build that number until you’ve saved six months of expenses, plus whatever cash you’ll need to move. If you don’t know what your expenses will be, check out Zillow for an idea of what rentals go for in your area in your area. This will keep an unexpected expense from derailing your financial journey and going back into debt. And in a high cost-of-living situation on a $40,000 salary, you’ll want to have a healthy cushion, since rent will eat up a lot of your paycheck.

The other option is to split the difference. Find out what your minimum monthly loan payment is, then figure out how much extra you’d want to pay every month—maybe you double it, or $300 extra, or whatever feels right. Then put the rest—including your emergency-fund money—in a high-yield savings account. This will allow you to pay extra toward the principal on but still collect interest on the original amount you saved and have a healthy emergency fund. But even though there’s no dollar amount attached, being debt-free can feel like it’s worth a fortune.

Dear Pay Dirt,

I’m 22, and I’ve been working at my first job for about a year now. I was hoping to make about $50,000 coming out of college (I majored in STEM), and I’m making $75,000. I come from a lower-middle-class background, and I’ve never had this kind of money before. I’ve gone from being the one in the friend group with the least disposable income, since I put myself through college, to the most. But I’m scared of the rug being pulled out from under me and suddenly having nothing. Currently, I have about $25,000 just chilling in my savings account, although about half of that is going to go into my student loans before my deferment period ends.

How do I get over my discomfort with the amount of money I suddenly have? Is it still fair to split things like meals and experiences evenly when I know I have more money? How do I stop feeling guilty every time I spend money on something like takeout when I know I could have used that money better? What do I do with everything I have saved? For context, I also have a diagnosed anxiety disorder that I’m sure isn’t helping.

—Started From the Bottom, Now We’re Here

Dear Now We’re Here,

In the words of your Drake reference, “We just want the credit where it’s due.” You, my friend, deserve all the credit. You busted your ass in college, you went into a lucrative field, and now you’re making it rain in your bank account. Baller!

It sounds like you have money set aside for an emergency fund, which is a great first step. Most experts suggest you keep at least three to six months of expenses, so keep squirreling away cash when you can—but you don’t need to live like a monk until you hit that number. You want your money to make money, so make sure you have it in a high-yield savings account to earn interest. I would also talk to a fee-only financial planner to get started with investing for your future as well. You sound like you’re in a great place to start a Roth!

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Now, onto your money script. A money script is something we tell ourselves that shapes our beliefs about our finances. It can be a happy, healthy one, or a bad one. Yours sounds like it’s robbing you from the joy you should be experiencing, so we need to work on that. I’d recommend reading Leisa Peterson’s The Mindful Millionaire, which focuses on scarcity mindsets and can help you rewrite your money script into a more positive one.

As for paying more because you make more, you don’t have to. I give you permission to treat people here and there if you would like to, but don’t spend a lot doing that or make it a habit. The same goes for takeout—treat yourself to a meal out here and there, but as long as you don’t do it every night and work on not feeling guilty about it, you’ll be fine. If you’re working with a therapist for your anxiety, it might be good to discuss your money anxiety with them, too. You started from the bottom, but you don’t gotta stay there.

—Athena

More Advice From Slate

I am the mother of twin 5-month-old boys. Both of my parents died recently, while my husband’s parents are both still alive. Now that his parents are the only grandparents, he and they have decided that it’s a given they’ll be present at every holiday. This is beginning to slowly shatter me. Not only do I enjoy myself a lot less when they’re around (really, isn’t that the truth for all of us with our in-laws?), but I also feel (perhaps unreasonably) like it’s a betrayal to my own dead parents to be giving my in-laws every holiday when my own parents never got any. My mother was a huge Christmas person, and she never got a Christmas with grandchildren. It’s going to be damn hard for me to be joyous and carefree with my in-laws as I also mourn my own mother at Christmastime. Add this to Thanksgiving, birthdays, Easter, Halloween, etc., and you can see how I’ve come to dread holidays. I’d love to have some of the holidays be just our own little family, without the grandparents, but my husband thinks this is cruel and illogical. Is it wrong to request the grandparents sit a few holidays out?

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Cash recommendation NFL star Jimmy Garoppolo bought from his dad

San Francisco 49ers quarterback Jimmy Garoppolo is future with the NFL According to reports in the balance after him Angular loads suffered throughout the 2020 season and since his team designed a new rookie quarterback. But at 29, Garoppolo has already had a lot of success.

In addition to winning two Super Bowl rings as a backup quarterback with the New England Patriots, in 2018 Garoppolo made big news when he signed one Five-year contract for $ 137.5 million with the 49ers.

But Garoppolo’s father Tony, who retired after 40 years as an electrician, gave him some simple but important money advice early on.

“Save your money. Don’t be stupid about it,” says Tony Garoppolo, who taught his son.

On Tuesday, Garoppolo teamed up with his father to take part National Signing Day With SkillsUSA and Home Depot this encourages high school graduates to pursue careers in the craft.

“In my opinion [Jimmy] has a good feel for [his money] and he has good people around him and he’s not stupid about it, “says Tony.

Garoppolo, on the other hand, describes himself as both a donor and a saver.

“I’m a donor, but for the most part I’d say I’m a saver. I’m looking for more long-term than short-term,” Garoppolo told CNBC Make It.

When it comes to investing, Garoppolo says finances aren’t really his strongThat’s why he makes sure he surrounds himself with the right people who will help him make good investment decisions.

“I relied heavily on them to point me in the right direction and show me the ropes,” he says.

“I still literally learn about it every day,” he says. “But for the most part just the slow and steady convergence [to investing] – ‘Make your money work for you’ is the best I’ve ever heard. “

Garoppolo says he’s also intrigued by cryptocurrency. “I’m not currently invested in anything, I’m trying to find out which one I want [invest in]”, He says.” I know I’m late for the game. “

Garoppolo says a lot of his teammates own crypto, and he’s heard almost every pitch you can think of. But “[I’m] I’m still learning about it, “he says.

As for NFTswho have become increasingly popular and profitable in sports memorabilia“They’re still a bit confusing to me,” he says.

In addition to providing advice on money, Garoppolo learned from his father what he calls the “Blue Collar Mindset”. That includes working hard and staying “cool”.

“Especially as a quarterback you have to … stay cool,” says Garoppolo.

“I saw almost everything that could be seen [in my football career]”says Garoppolo – for example, right after signing this major contract, his 2018 season ended prematurely thanks to a tear ACL.

“I’m sure there will be something new tomorrow,” he says. So “you just have to roll with the punches and enjoy the moment while you’re there.”

Do not miss:

Chiefs quarterback Patrick Mahomes: “Defeat helps you more than success”

Alex Rodriguez on his life and career: “It’s an imperfect story”

Sound Recommendation: Restore audio system broken by rats? | Arts & Leisure

Q. A friend recently gave me a pair of ADS CN-6 bookshelf speakers, both of which have audible errors caused by rats. A tweeter makes a fake bird tweet sound on high notes, and a woofer has rat nibbles in its cone. I use them with a Denon AVR-1200 receiver and they still work at a level that I find almost acceptable. I think both the woofer and tweeter come at a reasonable cost, but are they worth repairing?

A. I love vintage Analog and Digital Systems (also called A / D / S) speakers, especially the L-Series from the 1980s. What you need to consider before repairing is whether the replacement drivers are original and what it would cost to get them working properly again.

If you are not using the original ADS woofers and tweeters, you only have ADS housings with different drivers and not an ADS loudspeaker. I couldn’t find the CN-6 speakers in the historic ADS range, and even if I could, I imagine that original replacement parts for your speakers are hard to come by.

Unless you have a sentimental attachment to the speakers or really like the style, you also need to consider the cost of brand new speakers that come with a warranty and better performance. I’d bet the $ 249 Emotiva Airmotiv B1 + or the $ 315 Q Acoustics 3020i would both sound better, even if your vintage speakers were in optimal working order. Watch them at emotionsiva.com and qacoustics.com.

I think repairing the chewed cone and correcting the tweeter defect is your best option. It wouldn’t cost as much as replacement drivers and getting the original sound from your speakers. The speaker exchange at recingspeakers.com is an excellent source for speaker repair parts and advice. The woofer should be relatively simple, and it may be able to tell you what is causing your tweeter to make the unwanted bird tweet sound and help you fix it. I would set a cap of $ 125 on the project as the money is at risk and you have no guarantee that the repair attempt will be successful.

TLOVII Toothbrush Brush Head Update: I tried the Philips Sonicare HX9023 / 65 heads (mentioned last week) on my TLOVII toothbrush and they are not compatible. For the time being, it is best to wait until the original TLOVII brush heads are refilled in June.

Great Mom Gifts For Sale: Two popular product recommendations from previous columns offer notable specials for Mother’s Day.

Mixtiles are 8 “by 8” photo tiles that stick and re-glue, hammer, or damage your walls without nails. They are designed to be purchased in bulk and arranged in groups as wall art. The quality of the tiles and the visual effect must be seen to be appreciated. With the code MIXPOSTG30 you can save 30% on any number of Mixtiles. See and order them below mixtiles.com.

Tribit Audio makes the popular StormBox Micro for $ 49, a small, rugged Bluetooth speaker with great sound quality and a sturdy strap that can be used to attach it to handlebars and backpacks. I recently tried Tribit’s $ 119 StormBox Pro speakers and FlyBuds 3 and FlyBuds C1 headphones ($ 39 and $ 69), and you can add them to my recommended products list too. Until May 31st you can save 20% on Tribit products with the coupon code Z42RT4U2. The code works with the two StormBox speakers at Amazon and with all four products at tribit.com.

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Caitlyn Jenner calls ex-wife Kris Jenner for profession recommendation | Leisure

Caitlyn Jenner called her ex-wife Kris Jenner for career advice.

The 71-year-old reality star and former Olympian was married to Kris, with whom she has daughters Kendall, 25, and Kylie, 23, from 1991 to 2015 when the couple’s relationship turned “rocky” after Caitlyn published her memoir She had claimed Kris knew more about Caitlyn’s gender identity crisis than she did.

But even though Caitlyn is drifting apart, she has now turned to Kris for help with her career, knowing that she can trust the mother, who manages all of her children’s business deals, for educated advice.

On this week’s ‘Keeping Up with the Kardashians’ episode, Kris said of her daughters Kim and Kourtney Kardashian, “I wanted to talk to you and Kourtney at the same time because I have an idea and I just wanted you to do it. ” Tell me if i’m crazy or not So I got a call from Caitlyn’s friend Sophia [Hutchins] and she told me that she was a little concerned about Caitlyn because she was looking for something more to do with her career. “

“She said, ‘Well you know if you have any ideas’ and then we started talking about things, but I just don’t know, will I want to go that route?”

Kim then told her mother that reconnecting with Caitlyn could be positive for both of them as they would have time to discuss their differences.

She said, “Since it all happened, I think it’s really a big deal that she’s asking your advice because she obviously knows you’re the best at it. I think it is.” A really great way for you to heal too – might be therapeutic for you – talking to Caitlyn and giving her career advice. “

And Kris said she had to “process the request” before giving Caitlyn an answer.

She explained: “When Sophia called me and asked me about it, I just had to digest it. I had to think about it and sort of process the request.”

Kourtney added, “I think it’s understandable too if you’re still like that, healing, or loving yourself in a certain way. We understand that too, but I think it’s obviously like being a great one.” Person who helps. “

Later in the episode, Kris decided to help Caitlyn and told her to start a career on YouTube amid the COVID-19 pandemic.

And Kim later said in a confessional, “I’m just proud of my mother for reaching this place of growth where she can be very warm to Caitlyn. Maybe if it’s only small steps, maybe she hasn’t done. ” All that aside, but she is able to communicate and start building a little relationship. “