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I wanted to feel like my very first vote mattered.

Don’t Boo, Vote: If You Don’t Vote, No One Can Hear You Scream

The first time I ever voted was in 2004. I had just turned 18 a few weeks before election day, and I was at least as excited to get a hall pass to go to the gym during my free period as I was to cast my ballot. (Welcome to Small Town America! All public elections and blood drives take place in the high school gymnasium.)

I skimmed through most of the ballot. Dafuq did I care who was town treasurer? Old Mr. Farwell had held that post for centuries. SKIP. And town selectmen? Why couldn’t we just have a fucking mayor like everyone else? SKIP. State Senator? SKIP. Representative? SKIP. SKIPPITY. SKIP.

I hopped right down to the main event: George W. Bush vs. John Kerry for President of the United States. I filled in the little bubble next to Kerry’s name.

We all know what happened next. And it’s why you’ll never take the tour of the Kerry Presidential Library in Aurora, Colorado.

I was pretty disgusted. It’s not that I was excited about voting another gray-faced old Lego man wearing a mop wig into office. But I wanted to win! I wanted to feel like my vote mattered. Instead I felt like I’d wasted my free period when I could’ve been bullying my future husband out of his lunch money to buy orange creamsicles from the vending machine.*

Needless to say, Old Mr. Farwell stayed town treasurer. And I completely missed the lesson to be learned from my first election.

Read on, and you won’t make the same mistake.

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If you're tired of paying taxes, you're shit out of luck.

Taxes: Your Annual Fee for Membership in Civilization

While I would never presume to contradict the inimitable Ron Swanson, he left out half the lesson. Sure, the guv’mint takes a percentage of your money in taxes. But it’s not all doom and gloom and stolen lunches! For as they say, “There ain’t no such thing as a free lunch,” and those dastardly G-men actually give us a useful thing or two in exchange for our taxes.

So listen up, kids! Your days of hating taxes are about to come to… a middle!

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Sometimes I'm fucking appalled by what I see.

Something Is Wrong in Personal Finance. Here’s How to Fix It.

We recently wrote an article about how raising awareness isn’t enough. Our thesis was that you need to pair awareness with some kind of action. Well, good thing we practice what we preach!

Last time we talked about some of the many ways being white brings unearned financial privileges. We got a ton of great responses from readers—many of them white—who are happy that the talk is being talked within the personal finance community.

Now let’s tell you how we think you can walk the walk. Here are our suggestions to make the personal finance community more realistic, more inclusive, more ambitious, and all-around better.

Let’s get to work.

Let's get to work.

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