🏁 The beginning of the end

And just like that, the sun has begun to set on 2022. We’ve officially crossed the

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Hi friends,

And just like that, the sun has begun to set on 2022. We’ve officially crossed the threshold into “year-end” season.

Fellow small business owners, freelancers, and self-employed folks, this is your annual reminder to meet with your accountant for a year-end tax planning meeting. It's the sign you've been waiting for.

The end of the year already feels like a mad dash, but getting some clarity on your taxes can be a bit of comfort during year-end chaos.

Your favorite finance friend,

Illustration by Martin Nicolausson

1. 👩🏼‍🤝‍👩🏻 The Art of Friendship: How to Open Up About Money. (Shondaland) I gave my thoughts and advice on how to go about talking about money with your friends.

2. 👨‍💼 Sam Taggart’s Hard Sell. (The New Yorker) A door-to-door salesman’s quest to rebrand his profession.

3. 👗 The Gig Law Causing Chaos in California Strip Clubs. (WIRED) Dancers say a law to protect people working at ride-hailing and food delivery apps has been used to undercut their livelihoods.

4. 😫 Building Your Personal Brand Has Its Drawbacks. Burnout, for One. (The New York Times) Younger workers embraced the idea of a personal brand as a way to get ahead, and carve out some power and security in their careers. But posting through it has its drawbacks.

5. 🤓 A Bookkeeping Thing - Do you Need a Tax Projection? (HYG Original)

6. ⛪ Get-rich-quick schemes drained my town’s wealth. At a Christian conference, their legacy lives on. (The Guardian) “This was the overarching theme of the day: Christianity is under attack in America, cancel culture is silencing us, so God commands you to earn a lot of money (which we’ll teach you to do, via the stock market and real estate) in order to fight the culture war and recruit new believers.

7. 🤔 Why It's So Hard to Stay Healthy When You Don't Have Great Health Insurance? (Men’s Health) “From my perspective, the longer they can deposit your premiums while making it as difficult as possible for your family to get reimbursed for care, the more they make.” Editor’s note: This article brought me tears as I read it while sitting next to my wife on a flight.

8. 👌 Everyone wants a tip now. Do you have to give them one? (Vox) “Tipping is supposed to be a reward for excellent service, but studies have shown that the vast majority of people are motivated more by social pressure. Tipping is expected of them, and they don’t want to deviate from a long-established norm — especially if other people are watching and possibly judging them. Digital POS systems aren’t the only way a business will request tips, but it’s one of the newest as well as one of the hardest to refuse. Unlike tip jars on a counter, which are easy to ignore, or writing a tip on a receipt, tip-by-tablet becomes a public affair. You’re forced to declare your level of generosity or cheapness to anyone within eyesight, including your server.”

🙌🏾 Thots and prayers to everyone struggling with this right now (myself included).⁠ ⁠ #financefriend #personalfinance

🙌🏾 This the pyramid of financial awesomeness. It’s a tool I created to help you understand the personal finance universe. It’s the 50,000 foot view that I take readers through in my book, Finance for the People. Each brick represents a concept for you to learn and actions for you to take. But don’t let is stress you; everyone’s journey will look different. If you want to get deeper into it, check out my book Finance for the People. Avail wherever you buy books. #financeforthepeople #financefriend #pyramidoffinancialawesomeness #personalfinance

In this month’s Taking Stock, we're talking about how to get a handle on your finances when you're worried that you're spending too much money for the sake of serotonin. How do you resist the siren call of online shopping and form new, healthier habits — without feeling deprived? ⁠ “I just graduated college and I’m a lot more aware of my money than before — but since the pandemic started, I’ve been spending more of it. I’ve never had any conflict about money with anyone else, as I’m very independent, but I have internal conflicts where I feel really bad if I spend my money on something expensive. I’m well aware of rising prices, so I’m trying to save more, but still, opening packages gives me serotonin. It’s way easier to online shop and I tend to buy things that make me happy, yet I still feel guilty every time.⁠ ⁠ I have a good job, so I feel like I shouldn’t be so stressed about money… but I am. I’m worried about my savings because I don’t want to work for the rest of my life. I’m only 22, so I have many years until 65, when I’d like to retire. I think about money constantly, and I just really want to get to a place where I don’t need to worry about my situation.⁠” ⁠ Click the link in the bio for my answer.⁠ ⁠ #financefriend #personalfinance

@thehellyeahgroup

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