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Save money or grow money, but you can’t do both

(EDITORIAL) There are two lines of thinking when it comes to your money – Make small changes every day, or seek bigger fish. You can’t do both.



bonds and mortgages

More, more, more

There are two universal truths. Time is not limitless, and we would all love a little more money. It doesn’t matter how much you earn or what you do every day, hours pass, bank accounts deplete, and everyone is looking for a little bit more.

There are two lines of thinking when it comes to earning more/saving more/retiring sooner – Make small changes every day, or seek bigger fish. You can’t do both.

One or the other

We all know this right? I mean, intrinsically, know this. If you respond to every e-mail, take advantage of every sale, clip every coupon, and retain every rubber band, you won’t have time for any of the big picture goals.

Say you want to save $20k this year – you’re not going to do it by making a small change everyday. If you quit your daily Starbucks habit you could save 1,500 bucks. Maybe more if you love your double shot macchiatos with extra foam. Sure, that’s five percent of the way to your goal, but it’s not achieving it.

If you spent your hours learning how to make smart investments, building a side business, or working another job, you could have your coffee and drink it too.

The truth about long term

The problem is, these longer term goals are more difficult and the progress isn’t as obvious. If you subscribe to every money saving blog, coupon newsletter, or stress over the cost of maraschino cherries, you at least get some instant gratification. You feel the progress because you can feel the pennies clinking into your piggy bank.

Making more money is harder, and the satisfaction not as immediate.

Building another job for yourself, (whether you’re building a business, freelancing, flipping houses, or even learning how to invest) is hard work, and it will take time to pay off, but in the end, you’ll make way more money than the coupon clipping penny pinching of your brethren. I’m not suggesting we be wasteful, there are still costs to rampant consumption, I’m just saying don’t let it consume you.

Pinching pennies won’t make you rich.Click To Tweet

Avoiding versus creating

Hard work does pay off, though, and it pays off big time. It doesn’t matter whether you have a day job in sales, or you’re raising three kids – an entrepreneurial spirit can empower you physically and financially.

An entrepreneurial spirit can empower you physically and financially.Click To Tweet

Take something you’re truly passionate about, and find a way to get paid for it. I promise you it will be way more satisfying than clipping coupons or turning in tin cans or stressing about the little things.

Saving money is making money. And I know you can do it.


C. L. Brenton is a staff writer at The American Genius. She loves writing about all things, she’s even won some contests doing it! For everything C. L. check out her website


How calendars can stop your procrastination, boost productivity

(PRODUCTIVITY) As the old method of pen-to-paper planning comes back in style, see how its use can help with time management.



writing pen paper productivity

My favorite part of writing for this publication, by far, is the fact that it always has me keeping my eyes and ears open for inspiration. The simplest comment from a friend can snowball into an idea that becomes beneficial to others.

Such was the case this past weekend when my best friend, Haley, stopped by to help me unpack my new house. Haley is a graduate student, pursuing a master’s in interpersonal communication, and is a much smarter version of myself.

We got to talking about what was on tap for Haley’s final semester and she told me about a workshop she’s creating for the graduate school on the topic of how using planners/calendars helps with time management. The girl has an affinity for pen-to-paper planners, and has created an organizational structure for her daily life through their use.

Naturally, I thought, “hey, sometimes I attempt to give people advice on time management and planning, let’s bounce some ideas off of each other.” Haley then gave me a rundown of the bullet points she’s planning on covering for her interactive workshop.

1) Take everything as it comes. As a new task pops up, put it down on your calendar (whether paper or electronic) so that you don’t forget to do it later.

2) With these tasks, schedule deadlines for yourself. It can be tough to be self-motivate and have tasks completed by your own assignment. However, putting them down in writing will help you stick to them.

Only work on something if you’re being productive. If you stop being productive, you should take a step back and work on something else for a while,” says Haley. “This is why my personal deadlines help because it makes me work harder but I still have my own time.”

3) Schedule out your week starting with events that you cannot change. Start by writing down your work schedule, then appointments, meetings, etc. Then schedule in tasks that have more flexibility in time.

4) After doing this, take all of these tasks and prioritize what must be completed first and assess how much time each task will take. Be sure to give yourself an appropriate amount of time for each task.

5) For bigger projects, considering breaking them down a bit. “For bigger projects I break it down into steps, normally using a concept map to understand the core aspects of my task and what needs to be accomplished within each of those to make it more digestible,” says Haley. “Once I have the pieces, I place the pieces into my weekly schedule of events I cannot change.”

All of the pieces of this puzzle come together to create a calendar that will help you juggle every aspect of your life and boost your productivity. By implementing these ideas in my own planning, it has definitely helped me to become more of a self-starter.

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A hugely dangerous challenge of the Internet of Things

(EDITORIAL) The Internet of Things is here, with all manner of soft AI voices and shiny Bluetooth bits. But how long can we count on it staying?



LG Alexa internet of things

So, robot apocalypse. The Internet of Things machines have their cold metal fingers all up in our data, our houses, our sand dunes and/or porn.

And for what? What do they offer in exchange for this unprecedented invasion of our day to day lives?

Seamless, user-friendly automation to help with a thousand daily tasks, demonstrably improving our quality of life.

That’s… that’s actually a pretty good offer! Nice work, robots.

It comes with catches, and we’ve covered those, but Day One bumps and blunders are part of owning tech. They generally get engineered out.

What I want to talk about is Day 100, or 1000. Because the important word in “Internet of Things” isn’t “Internet.” We have the Internet. We can confidently expect the Internet to continue being a big deal.

But “things” is an important word. Things are distinct from tech. With tech, buying the thing and futzing with the thing are part of the fun, especially for practicing nerds like your narrator. Tech is new, and the excitement of a new game or a new phone can take the edge off, say, a server crash or a quick trip to tech support and back.

What about things? No early adopter aura in history will get a customer to ignore a fridge full of rotten food. Fridges need to work, period. So does your thermostat and your car. All those things are charter candidates for the full IoT overhaul, and they’re all capital T Things, not tech. They aren’t shiny toys people can live without for a week or four. They’re expected parts of daily life, things that need to work on Day 1, 100, and 1000.

Are companies preparing for that? Are the startups rising out of the blue-light-white-plastic Stuff Renaissance prepared to rebrand as global service providers, doing the hard, unglamorous, absolutely necessary work of digital maintenance?

Bigger question: are they prepared to guarantee security while they do so? Because anything with digitized bits needs patches and updates to function, and if it can download patches and updates, it can download things that are not patches and updates. No one wants to chase a botnet out of their microwave. Are the companies invested in always-on Things standing up and saying they’ll take responsibility for indefinitely securing and maintaining the infrastructure they intend to profit from?

Short answer, no. They’re not. Operations departments tend to be vanishingly small, painfully understaffed, spectacularly underpaid. Let’s be real,: we don’t prioritize stuff like that. We’re talking the digital equivalent of the guy who chases the raccoons out of your HVAC, and that sounds entirely too much like work.

Maintenance is not sexy.

But it’s absolutely necessary. It’s generally just the beginning of a thing. It gets the wheel rolling, and that’s not to be undersold.

But the IoT wheel is most definitely rolling. The issue is keeping it in motion, making it a wifi-level universal usage standard, not a 3DTV fad.

That won’t get done in a meeting. That gets done through long term adoption, and long term adoption will be about attracting, training, and retaining people willing to do the hard work of maintenance and customer support.

The Internet of Things wants to be a major step forward in the infrastructure of daily life. I am incredibly in favor of that. But daily life works because it’s the full time job of a whole lot of people to make sure it does so. So to Internet of Things companies, I say – pay them, treat them well, make your organization the best place in the industry for them, or be left behind by the people who do.

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Incorporating less stress into your work day

(WORKPLACE) Telling someone to chill when stressed at work is useless advice, so let’s discuss meaningful, tangible ways anyone can stress less at work.



stress mental health

You can’t avoid all the stress of a job, whether you own your own business or work for someone. It’s important to deal with chronic stress. Long-term, stress will affect your immune system, causing you to get sick more often. It’s linked to heart disease, heart attacks, low fertility and many other health problems. It can make asthma and acid reflux much worse. You have to manage your stress.

How can you incorporate less stress into your work? I have dealt with anxiety all my life. Here are a few of my most effective solutions:

1. Set boundaries

No is a complete sentence. I know my priorities and have to make myself say no to even simple requests. I’ve learned that the less I explain, the more likely I’m going to stick to those boundaries. I can’t stop people from asking me to do something, but I can make sure that I’m getting my work in on time.

2. Don’t wait until the last minute

I’m a horrible example to follow, because I can procrastinate with the best of them. But I’ve found that when I work ahead of deadlines, I am far less stressed. I set imaginary deadlines for myself. If I miss it, I still have time to work. If I don’t, I sleep better because the project is done.

3. Get up away from your desk at least every 60 minutes

Just getting a fresh cup of coffee reminds me to stretch and move. Five minutes away from my screen can help me stay focused on the next project I need to finish. I also try to look away from the computer screen every 10/15 minutes. This reduces eye strain.

4. Leave your work on your desk

Okay, I’ll admit I read emails after hours, but very seldom do I act on them. I’m finding that I need to shut down at 5 or 6 in the afternoon and forget about work. We’re so connected these days that it can be difficult to separate. But you have to. Your family will thank you. Your sanity will thank you.

I’m sure there are more things you can do to relieve your stress. Get a massage. Exercise. Eat healthy. All those things your doctor tells you to do. But before you can practice self-care, you have to prioritize your time and deal with work stress.

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