During a recent family outing for dinner (thanks to a free birthday coupon), a man approached us asking us for change so he can get something to eat for the night.

I told him I didn’t have any change, but I would buy him a meal at Rubios, since that’s where we were going. Surprisingly, the man told me he would rather eat at Panda Express and went on his way.

How ironic for someone to be in need and hungry, yet be so picky. Even though I laughed at that situation, I can’t help but realize that many of us, especially myself, are in the same mindset when it comes to our finances.

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Longevity in your job position or career has always been applauded as a sign of stability and loyalty. Among the younger generation, however, this is not the trend.

Pasycale.com recently conducted surveys among older Boomer generation workers and Millennials to compare their approaches to “job hopping”, and found that while nearly half of Baby Boomers felt that they should stay in a position a minimum of five years, a mere 13% of Millennials agreed with this figure.

In fact, a significant percentage of Millennials don’t think they should be expected to keep the same job for more than a year.

Why is there such a difference in views between these generations? The obvious answer is generational differences shaped by the culture, economy, and values we were raised in.

The inability of many Millennials to keep a long-term job is often viewed by older generations as flightiness, unstable, and unwilling to put in time and effort. Millennials are also typified as opportunistic and entitlement-minded, traits that might be true of some but shouldn’t be unfairly applied to all.

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Soon it will be the beginning of a new year, and everyone will be setting goals they want to achieve during 2015. Health clubs everywhere will be overrun with new people looking to join, and existing members that haven’t found their way through the doors in months.

January 1st is a line in the sand that provides us with a fresh start, and the motivation to take a run at losing a little weight, and getting in better physical condition. By the end of month, however, the club will look much like it did in December.

Why? What’s the difference between how we feel at the beginning of the year, and our lack of follow-through shortly after?

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Money is such a complicated subject because there are so many emotions around it. Most of the decisions we make concerning it are personal, and therefore affect us in a personal way. The way we view money is influenced by our upbringing, culture, family, friends, and relationships.

Our past directly relates to our money mindset and our ability to conceive what money can and cannot do.

For most of my life, I grew up thinking that money wasn’t very special. I didn’t go as far to say it was the root of all evil, but I did adopt several money mindsets that I’m dealing with today.

For one, I’ve grown accustomed to the starving artist mindset — that any sort of creative work will leave you broke and just barely getting by. Now that I’ve seen that existence for myself, I wonder, was it me, or did I actually set myself up for that life?

I’ve also been uncomfortable around the idea of wealth. In my mind it equates to greed, and privilege. To believe in wealth feels like a rejection of working class roots, and who wants to reject where they came from?

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One of the ways to successfully manage your debt, and create a pay down plan, is to make use of a debt consolidation loan. It’s always important to carefully consider your options, and be careful when using debt to pay off other debt.

However, if you plan properly, and are careful to practice discipline, a balance transfer or a personal loan can be a good way to consolidate debt and make it easier to pay off. But which one is the better option? Should you only use one, or both as a way to get out of debt faster?

Jocelyn Baird, from NextAdvisor.com, points out that choosing the right method for you depends on where you stand, as well as the kind of debt you have.

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“Stop wasting your money on paying rent” is likely a phrase you’ve heard often. After all, the common version of the American dream consists of owning a home.

But is renting really all that bad? No, and sometimes it’s actually better than buying your own home. Yes, it’s true! In some cases, and for some families it’s smarter to rent than to buy.

However, that’s not the advice we often hear. I was personally suckered into the notion that buying is always better than renting. Why not, right? I was throwing thousands of dollars into rent each year. That’s money I could have used to buy a home and start building equity.

For about a year, I was looking for a place to call my own. But the catch? I live in NYC where property values are notoriously through the roof. Doing a quick search on Zillow.com shows the average home value in NYC is $548,000. If I had a million or two lying around, I wouldn’t have to think twice about buying.

But after searching and searching in the Big Apple, I soon realized that maybe buying wasn’t in my cards right now. Here’s why:

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