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LET’S GET TO WORK



You Can’t Really Learn to Manage Money until You Get Some

Somewhere along the way, someone—someone older, let’s be honest—said to you: Time is money. And maybe you thought: Yeah, okay. But it’s actually a really important concept.

Here’s the deal: You have twenty-four hours in a day. Eight (at least!) should be for sleeping. Another eight-ish are for school or a combo platter of school-and-studying. This leaves you with around eight hours of freedom in your day. See how quickly that time flew? Like . That’s why time is one of your most precious resources.

Money is another one. And while the amount of money you can make is somewhat limited (particularly when you’re young), it’s less limited than time. If you put your mind to it, you can make more.

Throughout your life, you’ll work, which essentially involves trading time for money. You do a job. The job takes time. You get paid for putting in that time. (There are other instances where you can make money in your sleep—by investing money you’ve already earned, for example—but we’ll get to those later.)

So let’s look back at those eight free hours. What are you going to do with them? Maybe you want to make some money. This is how we start to place a value on time. The middle-of-the-night hours aren’t super valuable to you right now (you need those ZZZZs). But those after-school hours when you’re not studying? Those weekends? Those are yours to do with as you wish. You can hang with your friends, sure. However, if you make the decision that you’d like to put some money in your wallet, you can also trade them for cash by working.

SOME TIME IS MORE VALUABLE THAN OTHER TIME

When you take your first econ class, one of the initial lessons you’ll learn will be the relationship between supply and demand. You’ll see a graph that looks like the one below. Supply and demand move in opposite directions, and where they overlap, that’s the price.

Think of toilet paper at the beginning of the coronavirus pandemic. People were really afraid that we were going to run out, so they started buying up—hoarding, really—toilet paper. They demanded more. That behavior led to a shortage of toilet paper, driving the supply down. Stores like Costco had to limit purchases to one pack at a time. And the price? Because demand was much greater than supply, it skyrocketed. Later on, when people realized they didn’t need to hoard as much and there was going to be enough to go around, demand returned to normal levels. The toilet paper supply stabilized (there was plenty on the shelves), and the prices went back down.

Your time is a little like toilet paper. It’s more valuable when there’s more demand for it. Let’s take the holidays, for example. If you work at a retail store, you might get paid more than normal for working the early hours on Black Friday, when the store needs a ton of help. Then it’s up to you to decide what is more important to you—a few more hours of shut-eye or the extra cash in your paycheck. When you get out into the working world full time, you’ll also see that there are times when jobs are really plentiful and others when the pickings are slim. When they’re plentiful, you’ll likely get paid more because there are more jobs than workers who want them. When they’re slim, employers can ask you to do more for less.

The value you place on your time and your money can also help guide you in career choices. If you’re focused on making a lot of money, you might enter a career in finance or become a doctor. Both fields are traditionally laden with long hours but also with high paychecks. If you’re someone who prefers a flexible schedule and plenty of time to yourself, you might have to sacrifice some of that pay for more hours in the day. Maybe you’ll become a college professor and have time off between semesters, or a freelance graphic designer and make your own schedule. Neither is right or wrong; it just matters what matters to you. (We’ll talk more about your career choices and your money in chapter 12.)

HEY, NO FAIR! WHY DOES HE MAKE MORE FOR THE SAME WORK?

“We do a disservice to our country as a whole when we don’t value people equitably.”—Katica Roy, gender economist, founder and CEO of Pipeline Equity.

To understand the gender pay gap—the fact that women, on average, still earn only 81 cents for every dollar a man earns, and women of color earn even less—you have to flash back to World War II. Men went to war. Women kept the factories running by going to work. But there was no law in place to ensure that women were going to be paid the same as the men were—so they weren’t.

Once the men returned and the war was over, plenty of women realized they enjoyed working and wanted to stay in the workforce. The men got their jobs back at higher salaries. The women who stayed were paid less. Was it fair? Of course not. Not then and not now. Even though women are making 81 cents on the dollar, they are not paying 81 cents on the dollar for, say, a gallon of milk. But because there was no precedent for women in the workforce, the situation didn’t get a lot of pushback.

Even today—when there is a lot of pushback—the gap isn’t closing very quickly. A study from the American Association of University Women says it won’t actually be closed until 2119. Yes, a century from now. And the fact that millions of women lost jobs or left the workplace during the pandemic to care for their families may put us back another twenty years. Clearly, that won’t do. So how can you help close it for society and make sure that you are paid fairly for the work you do?

Elect Leaders Who Want to See the Gap Closed. Vice President Kamala Harris wants to bring back a policy that requires companies with one-hundred-plus employees to publicly disclose pay based on gender and race. This helps because it forces companies to be transparent about pay, effectively shaming them into leveling the playing field. Plus, this federal law would fine all companies not paying equally for equal work. But it’s important not just to approach this on a federal level. Get to know your elected officials—members of Congress, governors, mayors, city councilmembers—and let your voice be heard. You can create change. If you don’t like how something is being done, speak out, organize, and don’t give up until you see positive change being made.Know What Fair Pay Is—and Ask for It. Women traditionally have not negotiated for pay as much as men have. That’s changing, but it’s also still a problem we have to solve one at a time. Whenever you go for a job—whether it’s a dog-walking gig, a job in a store, or for a company—do some online research to figure out what the going rate is in your area. Then ask for it. Say: “Based on my experience and the going rate for this sort of work, I am expecting to be paid $15 an hour.” (Or whatever the rate is.)Talk to Your Friends about Pay. Let’s just put this out there: Talking about how much money you make isn’t rude, and it isn’t mean; it’s helpful. Because when you share, you are letting others know what’s possible—and helping them understand if they’re being treated unfairly. Speak up.READY, SET, WORK!

So you want to make some money? Great! There are plenty of opportunities, no matter how old you are, but they fall into a few basic categories. First, there are the informal jobs like babysitting, pet walking, lawn mowing, etc. These are jobs or tasks that neighbors or other people pay you for directly, usually with cash or Venmo.

Then there are the more formal ones, where you typically fill out a job application and you get an actual paycheck. For the latter, working at a retail store or a nearby restaurant, you’ll need to have working papers (more on that in a sec).

Finally, there are the entrepreneurial ones, where you essentially make your own job by starting your own business. You might set up an Etsy store, selling anything from makeup to T-shirts to laptop stickers. Creativity is the only barrier to entry. For example, after purchasing stick-on nails for her own use, thirteen-year-old Joelle Hinds decided she could do them better. She ordered plain press-ons and started painting them herself, creating a library of colors and designs that she sells at her Etsy storefront.

How much you can make will vary by your age, your area, and your experience. For the informal jobs, like babysitting, the going rate in the area determines what you get paid. For the formal ones, you’ll make at least the minimum wage. This is the dollar amount most official employees have to make per hour no matter what. While the federal minimum wage is set at $7.25, a lot of states have set their minimum wages significantly higher.

You can get an informal job as soon as you can find someone to hire you. (Most of us at HerMoney started babysitting and doing other jobs around age eleven.) But before you can get a formal job, you need to know: Am I eligible to work? Each state has a law about how old you have to be to get a job—in most, age fifteen is the minimum. Next, you’ll need something called working papers, which you’ll get through the Department of Labor in your state or from your employer. A parent or guardian will need to sign them if you’re under eighteen.

LOTS OF JOBS OVER YOUR LIFETIME

The advice you’ll read over the next few pages is designed to take you from the very first job you have as a teenager into the internships you’ll have in high school and college and maybe even that first real job. Remember, as you get your first job, it’ll be one of many, many, many, many that you will hold over the course of your life. Most of today’s adults have held twelve over their careers, on average.

INTERNSHIP: Work done by a student or trainee, sometimes without pay, in order to gain work experience or earn college credit.

Think of these jobs as rungs on a ladder. That babysitting gig might lead to a job in a store, which might lead to an internship (or three), which will lead to a real job. For the first job, you won’t write a resume. You may not even have an interview. But as your jobs get more formal, more professional, you’ll have both. You’ll write cover letters. You’ll have not just a single interview for a position, but several. You may even be asked to complete a case study or take a test. (Yes, they want homework before you even get the job.) You’re not there yet—but over time, you will be—so we’re going to give you the 411 on all of the building blocks you’ll need.

For right now though … chill. It’s okay that the first job you hold is in no way your dream job. It’s even okay that it’s not at your dream company. While you think a big name might look best on a resume, think again. At a small company, you’ll likely be given more responsibility, like working on major projects that are typically above your rank when a team needs extra help. You’ll have experiences with higher-ups that will teach you more than you ever expected.

And job title and company are not the only factors in accepting a position. Salary and benefits (like health insurance, paid vacation time, and a retirement account like a 401(k)) matter, too. All of these combined are called your total compensation, or total comp for short. This can and should be a factor in whether or not you decide to take a job. There may even be, as you enter the realm of internships, some people or companies who want you to work for no pay. (These are called unpaid internships.) You should know they’re not legal unless you get college credit. Even then, getting paid is better. But if it’s a great experience and you need to satisfy an internship requirement to graduate, you may do it. And that’s okay, too.

TIME TO APPLY

A job isn’t going to fall into your lap. Well, sometimes it does if someone you know needs help, and you volunteer that you’re available and would like to do it. (This doesn’t happen often, so step up when it does!) Most of the time, you’ll have to go job hunting. That means searching online and off for positions that align with your interests and experiences. Each posting comes with an application—a form to fill out with your personal information as well as professional history. Many ask for a resume and cover letter as well.

What are these? A resume (pronounced re-zuh-may) is a one-page doc that outlines your education, work experience, and other accomplishments and skills. A cover letter is basically a written introduction to you and your resume. Some jobs will ask for one, others won’t. But when you do write one, it should explain a little bit about why you’re applying for this particular job, and why you think you’d be a great fit.

Here are some pointers to keep in mind when drafting your resume:

Don’t use a boring template. Have a little (though not too much) fun by using a free service like Canva. Pick out a clean but interesting template, and copy and paste the information you need to include.If you don’t have experience because this is your first job, put education at the top instead.Don’t be afraid to let your personality shine!If you’re a writer, an artist, or have work you’d like to exhibit, build a portfolio online and link to it on the resume.And here’s what a resume might look like. This is actually the real resume that Rebecca Cohen (who helped write this book) used while she was in college. It landed her an internship at theSkimm (!) and eventually a job at HerMoney.com.

Next up, we have a cover letter Rebecca used to apply for an internship. Each cover letter should be tailored to the job you’re applying for. And, like Rebecca’s does, it should have a first sentence or two that makes you really want to read more.

Always remember:

Do not use a cover letter to just regurgitate your resume. It should be different and share new information.Start with an attention grabber. Let them know you’re excited about their company and the role they have available. (Yes, this means each cover letter you write should be tailored to the specific role you’re applying to!)Include a short paragraph quickly explaining who you are, what you’ve done in the past, and why you’re here.Focus on why the recruiter should hire you: This is how I can fix your problem, this is how I can help, and this is what I am going to do in this role (with examples).Lastly, proofread, proofread, proofread. A typo or grammatical error can quickly make a hiring manager move your application to the bottom of the stack (or worse, the garbage can). Triple-check everything before you send it out.NAILING AN INTERVIEW: IT’S ALL ABOUT THE FIRST IMPRESSION

Here are seven things you need to know to crush any job interview:

Dress for the Job You Want. This means understanding how people dress to work where you’re applying (if it’s a store, just walk in), then copying it. Even if the company is pretty casual, it never hurts to take it up a notch.Come Prepared. Bring a copy of your resume with you. And don’t let the conversation surprise you. Do research on the company, the interviewer, and the industry. Knowing enough to answer the question “Why do you want to work here?” with specific examples is a good start.Show Some Initiative. Is the position at the local newspaper? Show up with a typed list of ten story ideas you’d pitch as a writer. Are you hoping to intern at an aerospace engineering firm? Show off that jet you built for class last semester by including a link to photos of your project.Act Like a Pro … But Not a Know-It-All. When you get hit with a question you’re not sure how to answer, don’t panic. Instead, take a beat, consider what you know about the company, combine that with your personal experience, and doctor up something that works. A lot of the time, interviewers aren’t looking for the perfect answer—they just want to see the logic you follow in getting to one. BTW: A bear can run faster than an alligator. (Yes, they actually ask that question.)R-E-S-P-E-C-T. An interview is a chance to prove you’re someone the team would like to work with. Showing off your manners and maturity are half—maybe even more than half—of the battle. Even if you feel silly, hold the door open, shake hands, say “please” and “thank you,” and smile until your cheeks hurt.Ask Good Questions. Yes, an interview is where you have to answer questions, but at some point, the interviewer will likely say, “Do you have any questions?” And you need to say yes. Here are some options that always work, no matter the position. Pick a couple to go with.– What can I expect out of a normal day?

– If you’re speaking to the hiring manager: What do you like most about your role? If you’re speaking to HR: What do you like most about working at this company?

– What is the most difficult part of this job?

– How did you get involved with this industry/company?

– What will my main responsibilities be in this job?

– How does someone succeed in this company?

– Are there opportunities for growth on the team? If so, what are they and what does the timeline look like?

– What skills will I need to use on a day-to-day basis?

– What is the team missing and how can I fill that role?

– What should I expect from the rest of the interview process?

– May I have a business card?

You want to make sure you have their contact info when you walk out the door so you can thank them and follow up as needed.

7. Follow Up. After any interview, circle back to say thanks with a quick email. (Seriously. We know people who didn’t get a job because they didn’t send one.) Ideally, you’ll do this within twenty- four hours of meeting with them. Include a gracious “thank you for your time,” a reminder of something you discussed, and an explanation of how excited you are about the opportunity. Do not expect an answer. But if you haven’t heard back from the interviewer or a recruiter in the promised timeframe, feel free to follow up with another quick and courteous email.

YOU GOT THE JOB, CONGRATULATIONS! NOW WHAT?

Now it’s time to prove you’re up to task and will be the best employee they’ve ever hired, just like you promised in your interview. The time you roll into the office says way more about you than you’d think, and it all comes down to your actions showcasing how much you care. Let us give you two scenarios:

Intern A is supposed to arrive by 9:00 a.m. She’s at her desk by 8:45, scrolling through last night’s emails, saying “good morning” to other early arrivers, and sipping the coffee she made in the office kitchen. By the time her manager arrives at 9:05, she’s caught up and ready to get to work on the next project.Intern B scrambles through the door at 9:15 a.m.—iced coffee in tow—and has to face her boss, who has been there for ten intern-less minutes already. She still has to take time to catch up on last night’s missed details before launching into today’s project, which is now delayed by at least thirty minutes.Need we say more?

Okay, fine. We’re not all Intern A all the time. We have our Intern B days, and that’s fine, as long as you don’t make every day an Intern B day. Arriving early and being (mostly) honest about when you start working are two factors under a larger, more ambiguous umbrella of being professional. That means clearly communicating what you’re working on, trying hard to build relationships with the people you’re working with, and even signaling that you’re having a problem with something you’ve been asked to do well before you were supposed to finish it.

PAY EXPLAINER: HEY, WHERE DID MY MONEY GO?

We’re really sorry to be the ones to tell you this. When you get your first real paycheck, you may notice some money missing. Yes, missing. If this is a full-time job, some of the money might have been deducted to help pay for your health insurance or fund your 401(k). (Don’t worry, we’ll get to what this is in a minute.) Even generous companies now ask employees to help split the cost of these items. But the rest of the missing money? That’s taxes. All employees are required to give a portion of your hard-earned money back to the government in taxes.

Here’s how taxes work. Every pay cycle, a portion of your paycheck will be automatically deducted and sent to the government—the federal one, but often the state and local ones, too. This is called withholding. The money that is withheld in taxes pays for things like government programs, including Social Security and Medicare, which you will benefit from in retirement.

Now, let’s break this down a bit further and show you what this looks like. Assuming …

PAY CYCLE: (Or pay period) Th is is how often you’re paid by your employer, typically every two weeks.

You’re an Illinois residentMaking a $52,000 annual salary ($1,000 per week)Falling in 2020’s tax brackets as a single filer (which means you’re a single person with no spouse or children)You’ll see withheld:

Federal Tax: 22% or $220 per week ($440 per pay cycle)State Tax: 4.95% or $49.50 per week ($99 per pay cycle)Social Security: 6.2% or $62 per week ($124 per pay cycle)Medicare: 1.45% or $14.50 per week ($29 per pay cycle)Now let’s see this all in action …

TAX BASICS

Federal Income Tax: Federal income taxes provide the largest source of income for the federal government—that’s why you are constantly hearing them being debated in Congress. In general, Democrats believe in bigger government programs and support as well as higher income taxes, while Republicans believe in fewer programs and support as well as lower income taxes. Federal income taxes are used for everything from infrastructure (building roads and bridges, for example) to education, public transportation, and disaster relief.

State Income Tax: These are taxes on income you earn either working in the state or working for the state. While most states have income taxes, nine states—Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming—don’t. Sometimes people move to these states for that reason. State income taxes pay for state and local programs.

Payroll Taxes aka FICA (Federal Insurance Contributions Act): The third type of taxes taken out of your paycheck are payroll taxes (though you may see them listed as FICA). These pay for Social Security and Medicare, two big government programs. Social Security taxes provide retirement and disability benefits for employees and their dependents. Medicare taxes provide government health insurance for people sixty-five and older as well as some younger people with disabilities. Your employer chips in for these taxes, too.

We know what you’re thinking. “You mean out of my $2,000, biweekly paycheck, I’m only taking home $1,258?” Um, yes. But don’t panic. In your early years, when you’re likely only working part time, even if all these taxes are taken out, you’ll likely get a lot of that money back. How? Let us introduce you to a little thing called tax refunds.

When Tax Day rolls around each year (usually April 15), workers who earned more than $12,200 (in 2021) have to file a tax return. If you didn’t make that much and taxes were taken out of your paycheck, you can file a return, and the money will be given back to you, otherwise known as a “tax refund.” If you made that much or more, filing a tax return is essentially how you settle up. If too much money was taken out of your paycheck based on your income, you’ll get a refund. If too little was taken out, you’ll have to write a check to the government to pay them what you owe. P.S., If you have earnings of your own (and want to claim your refund), you have to go through this process if you’re still a dependent—a child under nineteen or a student under twenty-four. In that case, your parents get tax breaks for your care and feeding as well.

401(K): WHAT IT IS AND WHY IT’S IMPORTANT

If you’re reading this book straight through, you may have noticed a couple of times now that we’ve referenced something called a 401(k) as a way to save for retirement. We know that’s a very long way off for you, but since you’ll likely start saving in one of these accounts in your twenties, we wanted you to have all the details.

A 401(k) is a retirement savings account that you open through your employer, and your employer often adds money called matching dollars to it on your behalf … for free! As soon as you have a job that offers one of these plans, you’ll want to sign up for it immediately because if you don’t, you’re literally leaving free money on the table.

Here’s how it works: If you earn $40,000 per year and you decide to save 6% of your salary, that means you’re taking $2,400 directly out of your paychecks and putting it into your 401(k). But if you have an employer who matches 50% of your contributions, the company will put an additional $1,200 into your 401(k) as an incentive to get you to save. This is why sometimes people refer to their 401(k) as a place to get free money. It really is! All you have to do is take the first step to save, and then your company will kick in their contribution. Later on, when it’s time for retirement, you’ll have even more money waiting for you. It’s a no-brainer!

We can’t wait for you to open your first account—“future you” will thank you!

DEAR BLACK GIRL: WHAT I WOULD SAY TO MY TEENAGE SELF ABOUT THE RACIAL WEALTH GAP

By Javacia Harris Bowser

My teenage self never thought she could be a homeowner, and that’s a truth that breaks my heart.

Even though my parents worked very hard and made sure my younger brother and I never went hungry, many bills went unpaid. They could never afford to buy a house. Year after year, we moved from one rental home to the next. So, my teenage self was convinced that home ownership was only for rich, white folks—and as a Black girl from a family quite familiar with the phrase “insufficient funds,” that certainly didn’t include me.

I wish I could go back in time to tell teen me she deserves a home of her own and anything else she wants in life.

But I wouldn’t sugarcoat the facts. I’d be honest and say, Yes, the odds are stacked against you, and when you’re all grown up, the numbers will still be discouraging.

The gender pay gap is real. The racial wealth gap is real, too. You already know this, but the ever-evolving statistics regarding gender and racial inequities bear repeating. As I’m writing this, women earn just 81 cents on average for every dollar that a man earns. For women of color, the gap is even wider. Black women are paid just 63 cents for every dollar a white, non-Hispanic man earns; Native American women are paid 60 cents; and Latinas are paid 55 cents. White families in America, on average, have wealth eight times greater than Black families. Slavery, decades of discrimination, Jim Crow laws (which forced segregation), and redlining (which limited the ability to borrow money to buy homes in Black neighborhoods) have all contributed to the systemic racism that threatens to hold back Black people—especially Black women. If your parents have had every door slammed in their faces, how can they open a window of opportunity for you?

But you are stronger than statistics. That’s what I would tell my teenage self, and that’s what I’m telling you.

Learn as much as you can about money. This book you’re holding in your hands is a great start. But don’t stop with this. I wish my teenage self would have had access to the websites, resources, and social media platforms created by millennial money experts like Tonya Rapley of My Fab Finance and Dasha Kennedy of The Broke Black Girl. I wish she could have been able to learn from nationally recognized financial educator Tiffany Aliche of The Budgetnista.

Get your money management in check right now. Look at the money you have coming in—whether that’s from an allowance, a part-time job, or a scholarship—and assess how much money you have going out. Track your spending to figure out where you need to cut back. (Are all of those Target trips really necessary?)

Create a budget and stick with it. After you’ve covered any bills you have to pay, allot some money for fun, but also set aside money for savings. When you’re tempted to blow up your budget, think about your future self and the life you want her to have. In fact, make a vision board or try journaling about the life of your dreams. Describe the life you want as if it’s already yours, and read this whenever you need encouragement to make smart money moves.

I finally became a homeowner six years ago. My husband and I bought a three-bedroom, two-bathroom house and I love everything about it from the high ceilings to the hardwood floors.

Don’t let anyone or anything dim the light of your dreams.

You’re going to have lots of jobs over the course of your career. Think of your progression through the working world as a ladder that you’re climbing to the top.When you look for a job, you should try to find one with the best possible salary, but also consider what it’s like to work there and what the benefits are, like a 401(k) retirement plan or health benefits. You have to evaluate the total package.Having a good resume and cover letter are so important when it comes to landing a good job. Your application materials should be tailored to each job, typo-free, and make the hiring manager want to read more.After you interview for a job, follow-up is key. Make sure you send an email or handwritten note to thank the interviewer for their time.When you get your first paycheck, take time to bask in the glow of earning money. You did it! But be prepared to have money taken out for things like taxes and retirement contributions.WHICH WORDS DEFINE YOU?

Resilient, creative, empathetic, optimistic, enterprising, communicator.

WHAT’S YOUR JOB?

I’m the founder of Ladies Get Paid, a platform and community that helps women level up professionally and financially. I’m also the author of Ladies Get Paid, the book, which is all about how women can take command of their careers to earn what they’re worth.

WHAT’S THE CHANGE YOU’RE LOOKING TO CREATE IN THE WORLD?

I want for women to achieve equity with men, both in terms of power and pay. Part of that is learning to empower ourselves, but the other part is improving our company policies as well as our governmental policies so that all women may rise.

TELL US ABOUT YOUR FIRST JOB.

My first job after graduating was as a development associate for Chess in the Schools, a nonprofit that uses chess as a way to get lower income kids excited about education and on a path to college. I was paid $37,000 and that was in 2009.

WHAT’S THE BIGGEST MONEY MISTAKE YOU EVER MADE?

Not learning about it! The second worst mistake was going into thousands of dollars of credit card debt. I didn’t realize how high the interest was.

WHAT’S THE SMARTEST MONEY MOVE YOU EVER MADE?

Realizing that it’s less about how much money you make and more about how much of it you spend.

TELL US A MONEY STORY THAT MADE YOU WHO YOU ARE TODAY.

After graduating college, I moved to New York with $300 in my bank account. My generous cousin let me crash on his couch for six months. I lived off of chickpeas and cans of tuna, and eventually I saved enough that I could move into my own place.

WHAT ONE PIECE OF CAREER ADVICE WOULD YOU GIVE TO YOUR YOUNGER SELF?

Don’t be so hard on yourself! I think that pushing myself was, in some ways, a good motivator, but I’ve come to realize that you don’t need to be so hard on yourself to achieve great things. In fact, you’ll probably get there a lot sooner if you take time to really slow down and let yourself be truly proud of yourself.

WHAT ONE PIECE OF MONEY ADVICE WOULD YOU GIVE TO YOUR YOUNGER SELF?

Invest! Just a little bit goes a long way over time. Plus we can’t let men make all the money.:)

WHAT ARE THE TOP THREE THINGS EVERY TEEN NEEDS TO KNOW ABOUT GETTING PAID?

Do something that makes you come alive. If there’s a skill that comes naturally to you and/or a job that gives you energy, go in that direction.You are your best advocate. Don’t assume your hard work is going to be recognized. Learn how to embrace and articulate your value, which includes (always) negotiating your salary.Know your values. Being clear about your values will make it easier to know what decisions to make and what paths to pursue.


Text copyright © 2022 by HerMoney Media, Inc.

Illustrations copyright © 2022 by Nina Cosford