For millennials, many of whom graduated from college into the Great Recession, it might seem like a cruel joke — just when it seemed like the future had a shape and certainty, suddenly there are once again more questions than answers.
Even in the best of times, "planning" can sound like a chore. But planning is really just financial mindfulness: focusing on what is within your control, with awareness of your actions and decisions about money every day. It also means not judging yourself for past mistakes. Mindfulness now provides the building blocks for the future.
It can be alarming to see stock market fluctuations impacting 401k valuations and other investments, but experts advise not reacting too quickly to news cycles. "While it may feel natural to panic in situations such as this, it is important to have patience in any decisions on investments," said Kelly Lannan, vice president of young investors at Fidelity Investments.
Financial mindfulness also means taking stock of what is truly necessary right now, and what you can do without. "Now more than ever is an important time to revisit your necessary and discretionary expenses," said Joseph Edmondson, Money Council member and financial professional at Equitable Advisors. "If you are uncertain about what your future may hold, now is the time to determine where you might be able to find some savings.
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