10 things you need to do before you graduate college | budgeting, saving, and negotiating jobs!

//10 things you need to do before you graduate college! This is how I'm preparing for post-grad life! I talked about budgeting, saving money, retirement accounts (eek), negotiating your first job and salary, and taking control of your finances! I feel like we don't talk about financial literacy and setting ourselves up for success. These are things I'm doing, and while I'm not an expert, I do think they're things you should do too!

-------------------------------

Snapchat | @michellereedyt

-------------------------------

// SUBSCRIBE //

-------------------------------

// VIDEO DETAILS //
Camera | Canon 70D
Lens | Sigma 30mm f1.4

[bubbles]

Can you make a video about negotiating? That would be extremely helpful!

[jacquelinebeth]

Two videos within 24 hours?! Yes please!💚

[thebabyperks]

I use my credit card just for gas and going out to eat, and I use my debit card for the rest. Once I have a full time job I assume I'll start using my credit card for more, but until I have that steady income I feel more comfortable using it for food and gas.

[laila]

can you make a separate video on credit? 🙏🙏

[amykelly]

I love the comment you made about negotiating a higher salary if you aren't taking advantage of all of the benefits. The flip side is also super useful. If you can't negotiate more money you might be able to get more of other benefits like paid time off, remote working options, and a lot of other things!

[sydney]

Love this video! I'm graduating from undergrad on June 6, can't believe it's almost here

[Abadaba]

Aiden's blog is REALLY REALLY good. What a wise guy! He reminds me a lot of my father who is a Financial Advisor with Raymond James. Can't wait to see the two of you pair your skills and wisdom together. Financial Dynamic Duo in the making. :) My favorite blog post is his critique/thoughts about Robinhood. Our generation needs more videos and blogs like yours. I'm encouraged :) Keep it up!

[shiralevitt]

your skin is amazing! can you please do a skincare routine?

[mikaelazobolas]

I know that this video didn't get as many views as some of your other videos, but the content is SO valuable!! Please never stop making videos like these that can actually help us all with growing up and becoming financially responsible. Thank you so much! Love you and love this!! 💕

[KathrynMueller]

I’m graduating May 12th! I can’t wait 🙌🏼

[eliashleyy]

Who else loves when Michelle posts a new video!!! You make my day!💓🤩

[YanaLovee]

I got my first credit card at 18 (I’m 20 now) and as of now I have and 2 and I promise it’s not scary! As long as you pay your bill on time everything will be fine and it’s helped my credit so much! also I’d recommend using credit cards for things like gas and groceries because you can points from various companies that way, also Discover card gives you money back just for being a good student! Great for college students!

[maddiew]

Get a credit card and use it for something specific and small, like anytime you go get a quick lunch, use the credit card. Then you pay it off at the end of each month and it’s not a huge expense, you won’t go into debt, and you build credit! It’s helped me so much!!

[beautybyashleyTV]

This was so helpful Michelle!! I'm going to be a junior in college in the fall and I am going to try to start budgeting and saving my paychecks for post grad :)

[victoriawilliams]

This video is perfect! I’m graduating May 23 :) it’s wild because you touch on everything I’ve been freaking out about recently, credit cards, downsizing, saving money, structure after graduation, professional wardrobes, and everything!! You inspire me <3

[yazminni]

Our timelines are lining up with similar life changes and these videos have been so helpful. 💛

[MafaldaTeixeiraa]

so helpful!! I'm graduating in 2 years and I feel that I know nothing about adulting!!

[aria-vyug]

I'm graduating high school in may one year early! It's really intimidating tbh. Thanks for being an inspiration!

[danielasuarezgurza]

Hopefully this will help you Michelle and others soon to be college grads: 
A few days ago, I was talking to my mom (who is an amazing accountant) about credit and she told me that the best way to start building credit is to get a credit card and use it for monthly obligatory expenses (light, gas, groceries, cable, etc.) things you know you can and have to pay; once you become more responsible and have better economic stability you can start using the card for emergencies and gradually increment the use according to how much you can and want to pay. Also the best credit cards are the ones who reward you (money, travel points, etc.)and make you really pay at the end of each month, I've heard America Express has really great options.

[universeofyabooks]

Building credit is very important! We actually had a discussion about it in my business law class (@ UT Austin) last week, and he recommended either having it set up in your name but being billed to your parents & buying little things consistently that you know you can pay off!