Real Adult Life

a diligent over-analysis of "adultolescence"

The Filthy Rich Personality January 29, 2011

Filed under: Musings — jamiej527 @ 5:03 PM

Is your long-term financial security linked to your personality? Jeffrey Strain thinks so.

I spend more time than I care to admit, but rarely does an article tickle my brain for days after I read it. Strain’s asserts that specific behaviors have less to do with successful money-handling than do certain personality traits (patience, satisfaction, organization, discipline, reflectiveness, creativity, curiousity, risk-taking, goal-orientation and work ethic).

I think Strain’s analysis is brilliant. I only want to expand it in two points.

First, not everyone wants to be filthy rich. I think most of my customers would settle for security coupled with the occassional indulgent purchase or vacation.

Second, it’s all about balance. For Mark Zuckerberg, Bill Gates, and Richard Branson risk-taking was a virtue. For the friends of Bernie Madoff, not so much. Likewise, there are plenty of incredibly creative people with brilliant ideas, but who lack the business acumen to make anything of these ideas.

Personally. I’m anything but a risk-taker. The irony is that I’m too satisfied with my life to care!


New Beginnings January 27, 2011

Filed under: Uncategorized — jamiej527 @ 9:57 PM

The last post was the beginning of a new vision for my blog: an expanded view from the bottom rung of responsible adulthood.

I claim that most people don’t find fulfillment in their job alone. No wonder, then, that I lost interest in blogging about only work.

This new vision will continue to feature my viewpoint of the professional world, but also personal finance, business, technology, and whatever else tickles my fancy. I will continue to write as a student of life, not an expert.

Hope you’re as excited as I am! And always remember that I love getting comments!


The Realities of Money January 22, 2011

Filed under: Musings — jamiej527 @ 11:57 AM
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True story: As a  high school student, my money habits drove my parents crazy.  I may have been the only teenager in history with parents who wished she saved less and spent more.  I remember hurting my mom’s feelings because I hadn’t spent my $200 Christmas gift card by March because I was saving it for prom expenses.

I’m still obsessed with saving money.  I couldn’t sleep for a week after my bank’s IRA training because I was terrified that I’d never be able to retire.  My significant other knows I’d rather go without food for a week than be late with rent; I’ll pass up entertainment for a month rather than miss a loan payment.  My 401k is maxed, student loans paid off, car loan 4 months ahead, and I haven’t paid for clothes in three months.  I trust that these choices will pay large dividends in my future.

Luckily, one of the blessings of my job is that it guarantees that I will never, ever become self-righteous about money.

While a Latte Factor way of life works for me, I also understand its pitfalls.

I won’t pretend I don’t get frustrated when friends who make several thousand a year more than me complain about being broke after buying fancy cars or insisting on apartments with granite-topped everything. But I understand the incessant pull of the lifestyle one step fancier than one’s own.

I understand why some people judge women who sport acrylic nails while their home is in foreclosure. Personally, though, I’ve come to understand the importance of little daily indulgences that keep us happy.

In my first weeks at the bank, I jokingly noted an inverse relationship between customer sanity and savings account balance. As a relatively high-balance customer for my age, I still am a lighthearted adherent to that claim.

Financial gurus are constantly ranting about Americans poor savings habits. I don’t disagree–many times I’ve helped customers manage financial crises that could’ve been avoided with even a few hundred dollars in a savings account. Saving $10 a week to spend on gifts would make the holidays much happier for most of us.

But so would a weekend roadtrip. Or a flat-screen TV. Or a car that starts reliably even during the coldest Minnesota winters.

One of the reasons I love banking is that it isn’t about math at all. Money is about emotion. We save because we hope for a better life, or because we’re fearful of the future. We spend not only because we need to eat, but because we need to fit in, to keep up, to have fun, to indulge.

A nutritionist who worships at the shrine of Omega Fatty Acids will never convince me to completely eschew McDonalds. Likewise, who am I to expect everyone around me to pinch pennies? I’m blessed to have learned this lesson early in life.


Loyalty January 11, 2011

Filed under: Work — jamiej527 @ 11:23 AM
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What’s the role of loyalty in today’s workplace?

Two months after I joined my company, they eliminated an entire division.  Two months after that, another.  Then they began the strategic restructuring steps, eliminating individual positions that often left two- or three-decade employees without a job

This was hard for me to swallow.  For all my flaws, insecurities, and mistakes, I’m one of the most unfailingly loyal people on the planet.

Obviously this leaves me with three choices: move to Japan or another country where loyalty is still valued, travel back in time to the 1950’s (which really wouldn’t work, since I’m female and all…), or shut up and deal with reality.

Companies, of course, still want employees to be loyal.  And if I’m honest, I can’t help but be loyal to my company.  Despite the tough decisions I’ve watched my leaders make, I have huge respect for them.  So much respect, in fact, that I can’t even start describing the reasons without overwhelming the focus of this post.

Given a choice, I’d much rather advance within my company than jump ship and move to a new one.  I also know that many of my mentors have left our company only to return to it, finding their “new homes” weren’t as great as our current employer.

That said, it doesn’t change reality. I’ve busted my ass for my company for two and a half years, but one lousy quarter and I’d be out of a job.  Or, depending on circumstances, even a series of great quarters won’t save me from a round of layoffs or corporate restructure.  Emotionally, that just doesn’t sit well with me.

I’ve been paid for the work I’ve completed.  I know I’ll be paid for the work I’m currently completing.  Beyond that, I have to earn my keep.  At other companies I’ve seen the dangers of keeping underperformers on the payroll.  My business mind understands these decisions, but heart doesn’t


It’s in my head! January 3, 2011

Filed under: Life — jamiej527 @ 12:34 PM

Last night I took part in this conversation:

Boyfriend: But outside stock brokers, who really gives a crap about business quarters?
Jamie: Uh….
BF: What?!
J527: (Taking planner out of my purse, slightly abashed) I broke down my New Years Resolutions into quarterly goals, look!

Yep.  I’m even treating my personal life as if it were a business venture.  I can’t decide whether I’m proud or ashamed.


A Labor of Love November 29, 2010

Filed under: Musings — jamiej527 @ 6:29 PM
Tags: ,

I grew up being told that I should pursue a “dream job.”  Don’t stop, I was told, until you find a workplace you can’t wait to arrive at each morning.  Don’t settle.  Find a job that stimulates, fulfills, and enriches your life.  One that makes you want to hop out of bed and run to the office each morning.  This ideal was painted in contrast to a created evil: taking the best job you could get, punching the clock, and biding time.  Laboring for years without much reward or satisfaction.

Now, however, I think the paradigm is a bunch of hooey.

The best job, in my opinion, is the one that adds the most value to life.  But the Dream Job paradigm fails when it ignores how a job affects the rest of a person’s life.

My mom worked 34 years at a regional drugstore chain until the company folded earlier this year.  The work didn’t have her skipping through the store doors with an eager, bursting heart each morning, but it was still her dream job.  It allowed her to coach and manage her children’s sports teams, to volunteer in our classrooms, to take extended vacations each summer.  It wasn’t mentally challenging, but it left her mentally fresh enough to give our family her attention.

I know plenty of people who stick out jobs they hate, and are miserable because of it.  But I know a greater number of people who agonize over achieving a Dream Job and are missing out on life in the process.

Loving your life is a better goal than loving your job.  I’ll take a job I tolerate with a life I love over the converse any day.


Gender June 15, 2010

Filed under: Musings — jamiej527 @ 9:02 PM
Tags: ,

I loved my gender studies classes.  I’m fascinated by gender differences in the media.  I love and embrace my both my femininity and andgrogyny.

I’m all about gender theory, I love it.  But gender reality sometimes sucks.

Blatant sexual harrassment isn’t part of my workplace.  But I definitely feel the pangs of working in a male-dominated environment.  I’m gonna shatter these obstacles, have no doubt, but I find myself working without a roadmap.

The worst part?  It’s all cliche.  I’m working without many role models.  My tactics, effective or not, are overlooked because they aren’t traditional.  My (mostly male) superiors promote miniature versions of themselves (ie: not me).  I spend extra time fending off advances from customers.  Wah, wah, wah….

Cliches are cliche for a reason.  They’re passionate experiences shared by large numbers of people.

Or as my Minneapolis customers would say: “Shits real, yo!”