ETFOptimize | High-performance ETF-based Investment Strategies

Quantitative strategies, Wall Street-caliber research, and insightful market analysis since 1998.


ETFOptimize | HOME
Close Window

How to Transition From College to Married Adult Life Without Breaking Your Bank or Your Spirit

“Go to college” they said. “It will be fun!” they said. I am not sure, however, that any of us are fully prepared for the difficulty of transitioning from life in college to life after college.

Being a full-time undergraduate student has its challenges, there’s no denying that – late nights studying and rushing through homework, working a full- or part-time job, maintaining relationships…the list goes on, and I did almost all of it. My four years attending the University of Wisconsin-Oshkosh (go Titans!) helped prepare me for the professional working world. The knowledge and skills I developed helped me land my position here at Medi-Share, which I couldn’t feel more blessed to have. However, there are so many other parts of adulting that “they” left out, that flew around the corner at me and are experiences that many low- to mid- 20-year-olds don’t know how to navigate.

Where in the world to start the next chapter?

When my then fiancé (now wife) and I were preparing to graduate, we knew we wanted to start our own life away from Oshkosh, away from Wisconsin, and away from the horrible winters with 10+ feet of snow. Orlando, Florida was our dream destination, so we did what was necessary to make it happen. Our families and friends said we were crazy to think we could pick up and move across the country, which gave us the motivation we needed. Moral of the story: don’t let anyone tell you what you can’t/shouldn’t do. Let God guide you as you prayerfully make your plans. Listen to the advice of your friends and family, but ultimately, own your decision.

I applied for hundreds of jobs in the Orlando area that I was 100% sure I was qualified for but had no interviews. The biggest obstacle I faced was trying to find a job from 2,000 miles away. Finding someone to take a chance on you is hard enough locally. Finding someone to take a chance on you a plane ride away? That felt almost impossible. However, I kept my head down, finally went through the grueling process with the ONLY company that gave me an interview and couldn’t believe it when I finally got a job offer TWO WEEKS before graduation (also while preparing for finals, packing for a cross-country move, and planning a wedding). Nothing prepares you for that kind of stress, but the key is to keep calm, prioritize, and not overwork yourself. The opportunities will come if the Lord wills it.

Marriage and starting a family

One of the biggest steps of adulting, and what I call “the most beautifully stressful experience of my life.” Whether you choose “singleness” (or it chooses you), you decide to get married on later in life, or you marry young like I did, it’s a big deal and in some sense, it forces you into making adult decisions with lifelong impact. Planning the wedding is when I really started to feel like a real adult, especially when you consider the sheer number of important decisions that need to be made for you and your future spouse, and when you see all of those dollar signs. This is my third point: Embrace Responsibility

I see the biggest separation between college and adult life when I compare my date nights with my wife with the weekend activities of my college friends. While we post pictures having a nice dinner, I still see many I went to school with having parties in someone’s basement. When we were recently in the process of buying our first house, most others I knew were still living in college housing with no plans of moving out any time soon. Creating that separation from the things you like to do and leaving the fun college party life is hard to do, and too many struggle to find their way out of it. While many fear increased responsibility, I find that it makes me a better husband, son, friend, and professional.

A chance to chase what you love

One of the biggest mistakes I see people make when they try to make the transition from college to adult life is to take the comfortable route. Too often I see young adults find the job that fits their degree the best, the one that seems to have the easiest responsibilities, or the one that is completely different from their true passion because people told them they would be crazy to chase their dream. I almost walked that road, too. My dad always told me when I asked what I should do after college, “I don’t care what you do as long as it’s something you love.” I love art and I love social media, and now I have a great job where I can do both! My wife, Caitlyn, and I love Disney and Universal more than anything, and now we live 20 minutes away from their two largest resorts in the world. Independence after college is scary, but it should also be liberating. Use it as an opportunity to chase the things you love, both professionally and for pleasure.

Budget, budget, budget

Lucky for me, I’m married to someone who is a numbers whiz and a great budgeter, which makes my life a bit easier when it comes to money. Even if you’re not good at math, that doesn’t mean you can’t be responsible with your finances. I’ve learned that the earlier you start budgeting the better. There are countless resources out there that will tell you what portions of your income you should spend on certain things. They’ll throw percentages at you, use income levels that you probably aren’t close to yours as examples, and that is definitely intimidating. Simply, here’s a rough look at how we construct our budget.

(My income + Caitlyn’s income) – all monthly expenses (including tithing) = leftover money

Then, we split our leftover money roughly in half. One half is fun money for fun date time (at the theme parks, obviously) and the other half goes to savings.

I know we will face more “adulting” decisions in the years to come, but these essentials helped us grow from two dependent college kids to a unified, independent family, supporting each other and facing the challenges that come our way together, with God’s help.

We’ve found what works for us. Find what works for you.

Jacob works as our Social Media Coordinator here at Christian Care Ministry/Medi-Share. He recently relocated to Florida after graduating from the University of Wisconsin-Oshkosh with degrees in both Marketing and Economics and is currently working on attaining his MBA from Florida International University. In his free time, you can find Jacob with his wife at the Disney World, Sea World or Universal theme parks, on the golf course, or playing music.

Stock Quote API & Stock News API supplied by www.cloudquote.io
Quotes delayed at least 20 minutes.
By accessing this page, you agree to the following
Privacy Policy and Terms Of Service.


 

IntelligentValue Home
Close Window

DISCLAIMER

All content herein is issued solely for informational purposes and is not to be construed as an offer to sell or the solicitation of an offer to buy, nor should it be interpreted as a recommendation to buy, hold or sell (short or otherwise) any security.  All opinions, analyses, and information included herein are based on sources believed to be reliable, but no representation or warranty of any kind, expressed or implied, is made including but not limited to any representation or warranty concerning accuracy, completeness, correctness, timeliness or appropriateness. We undertake no obligation to update such opinions, analysis or information. You should independently verify all information contained on this website. Some information is based on analysis of past performance or hypothetical performance results, which have inherent limitations. We make no representation that any particular equity or strategy will or is likely to achieve profits or losses similar to those shown. Shareholders, employees, writers, contractors, and affiliates associated with ETFOptimize.com may have ownership positions in the securities that are mentioned. If you are not sure if ETFs, algorithmic investing, or a particular investment is right for you, you are urged to consult with a Registered Investment Advisor (RIA). Neither this website nor anyone associated with producing its content are Registered Investment Advisors, and no attempt is made herein to substitute for personalized, professional investment advice. Neither ETFOptimize.com, Global Alpha Investments, Inc., nor its employees, service providers, associates, or affiliates are responsible for any investment losses you may incur as a result of using the information provided herein. Remember that past investment returns may not be indicative of future returns.

Copyright © 1998-2017 ETFOptimize.com, a publication of Optimized Investments, Inc. All rights reserved.