From 27 to 21, With Love

Hey there! You! Yes – you! Stop for a minute.

Take a breath.

Let’s talk.

Thanks to Earnest, the providers of personal loans and student loan refinancing, for inspiring this thought-reflection on where I’ve been over the course of my educational career, and how it has made me who I am today!

It’s a little odd that I have to talk to you this way. This is me talking to me, after all – a quick connection back in time. I’m 27 now, and you’re still 21. You’ve just graduated undergrad and you’re heading into graduate school.

I see from your tense shoulders and thin, tight mouth that you’re in your usual high-strung, deep-stress mode.

This is a vision of your future, so please listen carefully. I’m going to give you some advice about ‘what comes next’, and how to navigate it. If nothing else, you may feel comforted about a few things.

First, keep the gold standard in ‘Savings’ high on your list of personal priorities. Just yesterday, I reinvested a chunk of money that I’d put away in 2011. That’s thanks to you, kid. Someday we’ll be even more grateful for our growing RSP, TFSA, and other long-term investment strategies.

It should be comforting to know that life in moderation continues to give you a sound financial base from which to operate, and make decisions, post-graduation. Apply to all those graduate scholarships which came to you interest-free, and keep living at home (you will, eventually, find your way to independence). Buy frugally. It will mean less stress about employment options over time.

Second, keep the gold standard of ‘Health’ equally high as Savings on your list of things-to-strive-for. I can tell you that eating well and feeling strong and healthy remain the saving grace during many stressful work-related situations. I know that you think school is the hardest time of life. Well, working is hard too, though in different ways.

I believe that you will start to improve in terms of your stress-management after graduating. It remains a daily battle, but time for reflection and more openness to failure come in very handy. Please be open to experimentation, and don’t make decisions to protect your ego. You’ll be proud of all the benefits that come out of hard work and careful thought.

Third, and lastly, I know that you’re worried about the economy and fearful that your educational choices will hold you back from employment upon graduation. I can assure you that this fear doesn’t ease any time soon – but I can tell you that Savings and Health help in having the freedom to see all of your options.

You will get other opportunities to learn. You will feel excited about continuing down your path of life-education. And, most importantly, you will never regret all the choices that you made during your six-year university journey. So my third piece of advice to you is – Do Not Worry. Stay strong, and make space for self-care, loving who you are, and care of others. Explore the world as you have been and will do – it’s the only way to grow and learn.

Thanks for your time, kid. Hope you’re okay after everything I’ve just told you – well, you look a bit less tense, anyways.

Good luck, and see you in the future!


3 Comments Add yours

  1. Mary LeGault says:

    Very good advise, you are so grounded and insightful.

    Sent from my iPad


  2. robertlfs says:

    Great to see your post!

  3. marialegault says:

    Warm greetings, Robert – and thank you for the kind note! It’s a pleasure to be blogging again 🙂

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