Weekend reads: Money fears, useless advice, and jobless futures

Colin Lalley 1600


Colin Lalley

Colin Lalley

Insurance Expert

Colin Lalley is the Associate Director of SEO Content at Policygenius in New York City. His writing on insurance and personal finance has appeared on Betterment, Inc, Credit Sesame, and the Council for Disability Awareness.

Published October 21, 2016|3 min read

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In this week's Weekend Reads: Stop reading and start doing, discover the financial fears of money experts, and imagine an apocalyptic robotic future that's less "Terminator time travel" and more "universal basic income."

LifehackerYou Probably Don't Need More Financial Advice, Just Make a Change

If you want to make changes in your financial life, you probably read a lot of expert advice online. So what if one piece of advice was...stop reading so much advice? Okay, that's a little much since it never hurts to get tips and perspective from someone else. But there comes a point where you just need to make a change. Stop reading about how you should drop your morning latte and actually skip Starbucks. Stop reading about how compound interest is the key to retirement and actually start saving. Stop reading about how you have the most student loans ever and work out a repayment plan. It's the financial equivalent of "poop or get off the pot." So before this weekend kicks off, ask yourself what you're waiting for. And then stop waiting.

The Wild WongWhy We’re Afraid of Money and How to Beat the Fear

I know I just told you to maybe listen to less financial advice, but Kristin Wong is one of my favorite financial writers, and it's really for the reasons we talked about above: there's a practicality to her advice, so if I read something and wanted to act on it right away, I could. Her article about why we fear money is great because it's something we absolutely all relate to. Whether it's when we're actually spending the money, getting a bill, or thinking decades down the road, there's usually a "but what if..." attached to it. It's nice to know that even the experts feel this way, and facing it head on can help you overcome it. Plus the article comes with a video, so fire it up before you dive into your Netflix queue this weekend.

VoxWhy we need to plan for a future without jobs

Between robots taking over factories and self-driving cars and algorithms writing books and pop songs, it's hard to imagine a future where we aren't all completely replaced by our robotic overlords. As exciting of a life of leisure as that sounds, we lowly humans will presumably still need things like food and clothes. So how are we going to buy them when we make up zero percent of the workforce? That's a question that Andy Stern is asking. One answer is a universal basic income, which we've talked about before. It'll probably start with a higher minimum wage, but before long we'll be questioning things like how we value work, how we allow work to value us, and whether or not the American Dream is still a thing. And since 50% of Americans apparently don't believe in it anymore, we might have to start asking whether we're all properly equipped for the Hunger Games. To do this weekend: learn how to use a bow and arrow.What's the last financial change you actually made? What's your biggest money fear? How should we handle our workforce endangerment? Let us know in the comments!