5 Ways to Act Like a Grownup (Without Really Trying)

June 2, 2017

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Lead Copywriter

Adulting is hard.

Like way hard.

It feels like you get out of college and suddenly the weight of the world is on your shoulders.

What career should I have?
Can I afford car payments?
Should I buy life insurance?
Should I invest in stocks?
Why are my socks not matching?


Fortunately adulthood is also pretty hackable.

Here are five ways to make adulting just a little bit easier.

1.) Buy dental insurance
Standard dental work is not covered under your health insurance plan and dental work can get stupidly expensive. That’s why so many young people forgo the dentist and find themselves with toothaches, cavities or nasty infections that need taking care of. (Did you know that 40% of Americans don’t go to the dentist each year?) Dental insurance is typically between $20-$30 a month and can help cover costs like teeth cleanings and root canals. If you have a lot of dental work to be done, dental insurance can cost you less in the long run.

2.) Open an IRA
If you want to start saving for the future but don’t know where to start, consider opening an IRA. An IRA is an “individual retirement account” that enables you to build a stock portfolio for future payout. You can easily open an IRA through your bank and some employers offer matching-contribution IRAs (if your employer does this, TAKE THEM UP ON IT). You can also open an IRA directly through investment brokers like Vanguard or services like Betterment. Vanguard offers an easy explanation on how to start.

3.) Save money with apps like Digit
When you’re young and still paying off school debt, your salary might not be enough to help you start saving money. That’s why spare change apps like Digit are an easy way to save little by little. Digit “analyzes your income and spending” and puts a little bit of money aside for you every day. Folks end up easily saving hundreds of dollars a year without even trying. A similar app is Acorns, which does the same thing but puts your “spare change” in to stock portfolios.

4.) Get yourself life insurance
Life insurance might seem like a silly purchase when you’re young and healthy, but you never know what could happen to you. Life has a funny way of dealing some blows, and life insurance is a great way to make sure your loved ones are protected in case something should happen to you. For a young person, life insurance plans typically cost between $20-$30 a month and have payouts of hundreds of thousands of dollars. Here are five other reasons why you should buy life insurance.

5.) Manage your money
In your 20s, debt can be a very real issue. School loans, car loans, rent and other large expenses can quickly add up and put you in a precarious financial situation. A financial planning app such as Mint can help you stay on top of your bills and budget your income. In addition, you can keep tabs on your credit score and receive alerts when your credit score changes. Staying aware of your spending habits and credit score is a helpful way to prevent you from falling in the red. Wally is another easy-to-use app that helps you track and budget your finances.