Everything You Want To Know (But Are Afraid to Ask) About Cat Parenthood

If you’re considering the addition of a furry, four-legged animal of the feline variety to your family, then congratulations! I hope you’re adopting a cat so that all shelter pets can find a forever home.

Before you bring your new cat or kitten into your home, here are nine important things about cat parenthood I wish someone had told me before I adopted my first cat.

1. You’ll Have An ‘Aha’ Moment When You Realize Your ‘Cat Owner’ Status
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There will be a moment when the responsibility of bringing a living, breathing, sentimental creature into your home will hit you. For me it was the day the vet handed me a prescription written out to “Petie Arslanian” — my cat officially had my last name. Seeing it in writing made it incredibly real. I panicked. When did this happen?! Had I missed the court hearing?

Don’t panic. You can do this! Soon, I was filling Petie’s prescriptions without batting an eye.

2. Fostering Is A Great Way To ‘Test Drive’ A Cat
A cat’s first impression of you should not come while he or she is inside a cage at a shelter, given that cats are often scared and masking their true personality when cooped up. After our first meeting, I thought my first cat, Kip, was a docile lap cat. Turns out, he was just depressed from being inside a cage on adoption day. The moment I got him home, he leapt out of the carrier and proved his true, energetic stripes. (Thankfully, he’s mellowed out since.)

Fostering allows you to get to know a cat and what he or she is really like. Even if you decide the cat is not for you permanently, a foster home provides cats with cage-free time and socialization! Win-win!

3. If You Have More Than 1 Cat, Don’t Feel Bad If You Have A Favorite
Playing favorites with cats is normal. I love all three of my cats, but the one I miss the most when I’m away is Kip, and not because he’s my “first born” (er, first adopted). Kip is what’s often referred to as a “heart” cat. He’s the most in-tune with my emotions. Whenever I’m sick or sad, he’s right by my side. (I suspect parents feel the same about their two-legged children, though they’d likely never admit it!)

4. It Is Possible To Lose Kittens (Even In A 1-Bedroom Apartment)
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Take a deep breath. Kittens have magical abilities that allow them to squeeze into spaces you never knew existed! I once lost three foster kittens for 24 hours. I turned every piece of furniture upside down — still no kittens. I worried myself to sleep that night. The next morning, as I was dialing the rescue agency to confess my ineptitude as a foster parent, three little heads popped out from under the same sofa I’d turned on its end the night before. “Um,” I stuttered when the phone was answered, “wrong number.”

Now, I highly recommend keeping kittens in cages with narrow bars at all times unless you are supervising or can keep them confined to one room.

5. The Term ‘Foster Failure’ Was Coined For A Reason
If you decide to go the foster route, let this be a warning that you may end up with a “foster failure” — or in my case, a cat squatter. As a single woman, I never intended to have three cats. Yet when I fostered my third cat, Haddie, she avoided adoption day at all costs (hiding, or simply playing hard-to-get until I gave up). While adopting her permanently was unplanned, I love her dearly.

6. At Some Point, Your Cat Will Puke On Your Carpet (Or Some Other Fabric In Your Home)
Puking is usually a side effect of a lodged fur ball, and the sight of it may be shocking or even repulsive at first. Long-haired cats and cats that groom often are usually the biggest culprits of these spit-ups. Brushing your cat regularly with a high-quality comb — I swear by the FURminator — can reduce the hacking up of fur balls.

7. Consider Adopting An Adult Cat
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Kittens are adorable, but they don’t stay tiny for long … and boy, can they wreak havoc on your home! By adopting a more mature cat, you take the guesswork out of adoption. You’ll know exactly what you’re getting in terms of personality and temperament — like if he or she will be a lap cat, a curious cat, a busy body or will play well with others.

8. If Your Furniture Is Very Important To You, Adopt A Cat That’s Already Been Declawed
First off, not all cats scratch. So fostering-to-adopt (FTA) is another way to find out if your kitty has the scratching tendency. Whatever you do, avoid declawing, as the practice has been found to be painful and can lead to other behavioral issues like biting. The procedure entails amputation up to the first joint — not just removal of the claw, as many falsely assume.

There are many “surrendered” cats that have already been declawed and are looking for forever homes. They may be the perfect match for you!

9. Last But Not Least: Invest In A Lint Roller Immediately
I literally have a lint roller in every room of my home and every purse I carry. If you don’t like the idea of the waste produced by all those sticky sheets, then a damp rag, sponge or even a rubber dishwashing glove does the trick just as well.

Adopting a cat will surely prove to be a life-enhancing and entertaining experience. My cats have brought me much joy and comfort, and I wish the same for you.

Purina Cat Chow, through its “Building Better Lives” program, has donated nearly $600,000 to more than 100 cat-focused shelters nationwide and helped improve the lives of more than 86,000 cats during the past three years. You can help by adopting a rescue cat, donating much-needed supplies or volunteering at a pet shelter near you.

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How I Thrive Working Late While Others Sleep

While you were sleeping, I was up at 4 a.m., getting ready for my 5:40 a.m. train that would deliver me to New York Penn Station at 8:45 a.m., an hour before a big pitch meeting. And I beamed with pride because I looked like I’d slept for nine hours the night before, and felt zero jitters after slamming a 5-hour Energy the moment my feet hit the bedroom floor.

In the midst of what feels like a self-care craze, I appreciate the “get more sleep” and “you can’t be everything to everyone” advice that so many successful women have shared. I agree. Of course, I’m a much better person when I’m well rested. And I wouldn’t be effective if I didn’t prioritize. Yet, like many professional women, I walk the very fine and precarious line of wearing fatigue as a status symbol and can be guilty of carrying my productivity as a metric for self-worth as if it were a coveted Birkin bag.

So why tax myself and welcome what some may feel is undue pressure? Frankly, I love what I’m doing. The Simon Sinek quote that has been floating around since his TED Talk on restoring the “human” in humanity so perfectly captures why I welcome a busy life in pursuit of my dreams: “Working hard for something we don’t care about is called stress,” Sinek says. “Working hard for something we love is called passion.” I am fortunate that I get to work in the dynamic, competitive, and fast-paced world of beauty and retail, identifying trends and thinking about new market opportunities, but doing so with the goal of helping women look and feel great while tackling their own complex lives. And as an advocate for women, I hope to one day do even more to empower girls and women on a broader scale.

This means I’m busy. And I love it. The truth is, I’m fueled more by what I love and by the goals that lie ahead. To me, that is part of having a life of well-being. It also means I have had to work hard to create time for myself to rest, reflect and recharge. When I need to clear my head, I take my dog for longer walks. I quiet my mind by reading before bed. I generally wear dresses to work to remove the decision-making process of pairing separates. And I try to manage my personal life the way an effective leader would approach guiding her team at work: only do the things that only you can uniquely do. Let others do the rest. So I have a house cleaner and I outsource my least favorite chore, doing laundry. Sometimes my dog goes to daycare. I make it work by not doing all of the work myself. I find that women have this tendency to want to do it all and to do it all perfectly. But I don’t need credit for how shiny my floors are or how perfectly pressed my dress might be.

I made the decision a long time ago that I would have a life and career with meaning, and that to the greatest extent possible, they would be integrated. That work would not be just a way to earn a living; rather, I see it all on my personal continuum. For me, the desire to do more, be more and contribute something meaningful to the world means embracing a few sleep-deprived nights when the output is a presentation on advancing women in business leadership or a speech to underserved teenage girls on why they should dream big.

As I approach 35, I reflect with gratitude on the series of hard-won lessons I’ve learned in building a fulfilling life and making it work on my own terms. I have learned that it is not about having “it all” — it’s all about having what I want.

Pursuing your dreams often means sacrificing sleep. Garnier Ultra-Lift® Miracle Sleeping Cream™ combines the hydrating and recharging power of a mask with the light refreshing feel of a cream. This anti-aging formula reduces signs of dull, dry and tired looking skin. Skin is firm, looks younger and well rested in just one week. Visit Garnierusa.com/sleepwiththis to learn more. #SleepWithThis

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9 Ways To Show Mom (And The Rest Of The Internet) How Much You Love Her

There’s no shortage of ways to communicate with the ones we love. And whether you prefer to use Facebook or FaceTime, technology now allows us connect more visually and creatively than ever before.

Between texts, tweets, Instagram posts and more, there are many unique ways to show you care through your favorite apps and websites. In fact, it can be downright overwhelming at times. So we’ve partnered with Best Buy to bring you 12 ways to modernize the Mother’s Day “I love you” card. Put down the paper and try out these thoughtful, 21st century-inspired expressions of love your mom deserves.

1. Make her a custom emoji
Sure, you could text mom the typical hearts (red and pink, of course), roses and box of chocolate emojis, but why not go the extra mile and create an emoji of your mom? Download the imoji app and upload her photo to generate a personalized sticker that you can use on iMessage, Instagram, Facebook and Twitter.
imoji

photo credit: imoji


2. Create a Pinterest board inspired by her hobbies
Does Mom love experimenting in the kitchen? Gardening? Travelling? Put together a custom Pinterest board inspired by the things you know she’ll love.

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3. Dedicate a #ThrowbackThursday post to her
Chime in on the always-trending #ThrowbackThursday hashtag on Instagram, Twitter or Facebook with a retro mom-and-daughter pic.
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4. Tweet her best advice
Moms are chock-full of brilliance, and let’s face it, they’re almost always right. Spread your mother’s age-old wisdom by using the #MomKnowsBest hashtag on Twitter.

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5. Share one of her Facebook posts
Give mom the Facebook love (and likes) she deserves by sharing her latest photo or status update.

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6. Make her a Spotify playlist
Remember when compiling a mix tape was the official symbol of love? Well, it still is… sort of. Gather your mom’s favorite songs — or ones that just remind you of her — in a Spotify playlist. Share it with her, and play it during Mother’s Day festivities.

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7. Start a virtual family tree
She always said she wanted help mapping out the family tree. Today’s the day to get one started using MyHeritage.com’s free Family Tree Builder.

family tree


8. Include her in your cover photo
It may be a simple gesture, but the cover photo is prime real estate on your Facebook profile. Use a recent or nostalgic picture to show her (and the rest of the internet) just how much she means to you.

cover photo


9. Make a digital photo collage
Put together a collage of your all-time favorite photos of you and your mom using the Pic Stitch app. Play around with different templates to find the one that suits your mom’s taste, and share it publicly on your social media accounts, or in a personal email just to her.

photo collage

For more tokens of appreciation for your very modern mom, head over to Best Buy’s Mother’s Day Gift Center. Check out the slideshow below to start brainstorming!


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Soul-Singer Leon Bridges Brought a Timeless Essence Back at Cliff Bell's in Detroit

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Going inside one of Detroit’s best jazz clubs Cliff Bell’s is always a bit of an escape into an air of the past. Beautifully restored from an era very far removed, it’s history always kind of feels engrained within the walls. For that, it’s a great place to see someone like Leon Bridges, a new face in soul music from Fort Worth, Texas who’s style and sound is something out of the chitlin’ circuit of the 1950s and 60s. At the ripe age of 25, has only been writing music for a few years now, but has an innate timeless quality about him that is genuine.

The crowd at Cliff Bell’s wasn’t necessarily eclectic, but more so ranged from your older folks who probably grew up listening to their parents 45s of music quite similar to Bridges to your tattooed millennials who found out about Bridges virally online.

Leon Bridges ran through an amazing set with his 6-piece band including “Coming Home” and “Lisa Sawyer”, a couple of the songs already released that have lead to his huge online buzz, along with songs from forthcoming full-length album due out June 23rd. Bridges comfortably understands those simple everlasting virtues that music can have and delivers it marvelously with such tenderness. He’ll sing you a ballad one moment, and then take you to church the next; all with a real smoothness that never feels kitschy.

Bridges’ sudden rise has been because of the Internet, and when you walk to the show this past Thursday evening that has been sold out in advance, you can only wonder who are these people that had enough sense to buy a ticket in advance. There’s an anomaly in Detroit sometimes where the people are actually involved in the music scenes are starkly behind and oblivious to new exciting artists that hit the radar. Shit, I’ll be honest in saying that I didn’t even know whom Leon Bridges until this past week, but he really only has been buzzing for a short time now. That’s the beauty of the Internet though; the underdogs of music can find their own lanes. Even in the crowd, the girl next to me was asking the guy she was talking to how he came across Leon Bridges’ music and he said through some blog he visited.

Leon Bridges has the talent for longevity, whereas his material is already strong enough that he can go through a whole live performance without loading it up with a bunch cover tunes; something that might be a typical move for other artists with nostalgic qualities about them. He rests on the idea of looking and sounding sharp at all times, and that is his winning ticket.

For more information on Leon Bridges, visit leonbridges.com, and check out this commercial presented by Beats By Dre featuring Leon Bridges’ song “River”:

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Everything You Need to Know About Tesla's New Household Batteries

Tesla unveiled a new product line at its design studio in LA tonight. It’s called Tesla Energy and it’s a suite of batteries for homes and for businesses. The existence of the batteries has been one of the worst kept secrets of all time. But we are here at the announcement event and finally have some details. And they’re pretty damn cool.

Read more…



Tesla Energy Powerwall batteries want to supercharge solar

models-powerwallTesla has revealed Tesla Energy, its ambitious plan to make sustainable electricity more practical by putting rechargeable batteries into homes and businesses. Announced at Tesla Motor’s Hawthorne facility today, Tesla Energy consists of a wall-mounted lithium-ion battery that can operate in multiple ways, including as a backup for power-outages, as a way to “stockpile” power when traditional energy suppliers are … Continue reading

Tesla wants its Powerwall to save the grid and your bank account

Our lust for electricity is insatiable. At night we connect a hydra of wires to our phones, computers, smartwatches and tablets. They sip at the electrons being pumped into our homes, filling their batteries to be ready for another day without being …

Craft Beer Going Social Analog With Card and Board Game

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The craft beer industry is booming to the tune of $19.6 billion and at every taproom, brewing and brewpub there are craft beer fans on their phones. From Untappd, craft beer’s leading social media platform, to NextGlass, which helps beer noobs find something else they’ll like based on algorithmic recommendations, screens and phones are omnipresent. it’s a veritable #socialanalog

That’s part of what led Colorado’s New Belgium Brewing Company to launch its Beer Mode app. The app, when activated, lets users put down their phone and enjoy a beer. “Activate Beer Mode and we’ll automatically post preselected messages to your social networks so you can give beer your undivided attention.”

The Geek Shall Inherit The Earth

Beer, by its very nature, is social and there is a trend among some craft beer drinkers to gamify that social experience but not with apps or red plastic cup drinking games. These folks are making old-school gaming — card games and board games — new again.

“Beers and board games are both extremely social in nature, so it only makes sense to combine them,” says Cheryl Harrison, organizer of the Beers & Board Games Club in Columbus, Ohio. “Especially when meeting new people, a beer or two can help everyone relax and have a better time while sitting down to conquer a game together.”

Harrison’s Beers & Board Games Club, founded in 2013, boasts more than 250 members who gather monthly at different breweries or beer bars to drink and play.

“Play is proven to enhance creativity and happiness, but no one ever takes the time to ‘play’ as an adult,” Harrison says.

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Architectural renderings of Dungeons & Drafts — set to open in Fort Collins, Colo. in June.

A Haven For Geeks, Gamers and Beer Fans

In February the Kickstarter campaign for Dungeons & Drafts — described by co-founder Manny Garza as a “Medieval-themed, board game, vegan gamer tavern” — exceeded its funding goal of $9,600 in 6.5 hours. In total, the campaign raised nearly $58,000 from over 700 backers to bring the gaming-centric, beer-focused tavern to life.

We’re talking a mere board game, here, people. The very definition of #SocialAnalog.

“For too long geeks have had to endure noisy sports bars and venues without readily accessible polyhedral dice just to have a drink with friends. Well, no more! Dungeons & Drafts is here to provide geeks from all walks of life with a welcoming place to call their own, kick back with a pint, and play a game with friends,” the Kickstarter campaign boasted.

Dungeons & Drafts will feature an extensive board game library and video games, as well as a menu of Medieval and Old-English themed foods. They will also offer vegan, gluten-free and vegetarian menu choices, as well as a drink menu featuring locally curated beers from Colorado, cider, meads, and game-themed cocktails. Manny and Melissa Garza’s “geek tavern” is set to open in June in Fort Collins, Colo. – with more than 1,000 people having RSVP’d for the opening night.

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Thinking & Drinking is a 300 question card game designed to foster conversation.
Each card also features a U.S. craft brewer and beer.

If Giving Up Cheese Made You Immortal, Would You Do It?

The “immortal cheese question” from the card game Thinking & Drinking has people debating between eternal life and cheddar, mozzarella and gouda, says the card games creator Jonathan Cooper. “People always want to negotiate when this question is asked. They always want to trade years of their life for pizza,” says Cooper. Cooper is the co-creator of Thinking & Drinking, a card game featuring more than 300 questions that’s designed to get people talking while they’re out enjoying craft beer. In fact, each card also features the profile of a U.S. craft brewer.

The social analog board game includes questions like:

  • Which Could You Go Longer Without, The Internet Or Coffee?
  • What’s one moment in your life you wish you could relive?
  • Which movie/tv president would you actually vote for?

“We just wanted to introduce people to breweries that they might not yet know,” said Cooper. “Gaming and beer are perfectly matched because they’re both great social lubricants.”

More than 300 breweries, including recognizable names like Colorado’s New Belgium Brewing Company and Georgia’s SweetWater Brewing Company and local brewers like Pennsylvania’s Crystal Ball Brewing Company and Kentucky’s Apocalypse Brew Works, are profiled in the game.

There’s also a wide-range of beers profiled in the game including a jalapeno porter called Feugo by Twisted X Brewing Company in Texas, a Maple Bacon Coffee Porter by Funky Buddha Brewery in Florida, and the Fussy Sipper Pumpkin Peach Ale from Smokehouse Brewing Company in Ohio.

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Brewin’ USA simulates craft brewing from making the beer to distributing it across the U.S.

Starting Your Own Brewery – The Game

When Adam Rehberg set out to create Brewin’ USA he wanted to take everything that goes into craft brewing — the barley, the hops, the production and distribution — and get it into a single board game.

“I started brewing about 10 years ago as more of an engineering-nerdy-thing, which opened my eyes to craft beer. There is something about the brewing process that makes it a very fulfilling process,” says Rehberg. What he managed to do is take that four to eight week brewing process and distill it down into a tabletop board game that pits players against each other for ingredients and marketshare — it’s like Risk and beer had a baby.

In Brewin’ USA players are tasked to become the best brewery in the country by competing for resources, brewing beer and even fulfilling the ever-growing demand for the — fictional — beer. “I like the problem solving and challenge most about games,” says Rehberg, noting that he was “definitely challenged to make the game an extremely solid representation” of the craft brewing process.

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5 Smart Ways to Spend Your Tax Refund

By Paula Pant, WiserAdvisor.com contributor

Congratulations, you’ve gotten a tax refund! Now, what are you going to do next?

If the only answer that comes to mind is a cheeky “I’m going to Disney World!” never fear. Here are a few better ways to spend that windfall that will help you set yourself up for future financial success.

1. Build an Emergency Fund

Many financial experts recommend putting aside at least six months’ worth of living expenses in an emergency fund. This cushion will help you cope if you find yourself facing any number of sudden hardships, from a job loss to an illness to a pricey home or car repair. These unexpected costs can tank a budget if you don’t have the overflow to cover them.

Put your tax refund towards your emergency fund, regardless of whether this is your first step towards starting one, or whether you’re building on one that you already own.

2. Pay Down Debt

Debt is a drain and a burden on your finances, both now and in every year in which you carry an outstanding balance. It limits your ability to pursue other financial goals and siphons away your hard-earned money while you — in effect — pay several times the original purchase price of items you likely don’t even remember buying anymore.

One great way to put that tax refund to work is to use it to start paying down your debts as soon as possible. A popular method you can use is the “snowball method,” which involves ranking your debts by balance from smallest to largest and throwing every dime at the smallest debt until it’s gone. Then, you move down the line to the next smallest debt. This method is a great way to see forward progress, feel the thrill of wiping debts off your list and build momentum. Putting your tax refund towards your smallest debt may allow you to either wipe it out completely or at least make a huge dent in your balances.

3. Max Out Your IRA or HSA

In 2015 you’re allowed to contribute a maximum of $5,500 to an IRA, which rises to $6,500 if you’re age 50 or older. If you’re eligible to contribute to a Health Savings Account (or HSA), you’re allowed to contribute up to $3,350 as an individual ($4,350 if you’re 55+) or $6,650 as a family ($7,650 if you’re 55+).

All of these accounts are great ways to plan for the future. If you’ve already got your emergency fund in place and your debt taken care of, why not consider putting your tax refund towards one (or both) of these worthy goals?

4. Save for a Single Goal

In addition to emergency, retirement and health savings, most of us are working towards other savings targets, and your tax refund could be a nice boost to any of those goals.

You can set aside money for your holiday spending; it’s never too early to build a fund to cover the travel, gift-giving and party-hosting of the holiday season. You could put your refund towards a family vacation fund, your children’s college tuition funds, or finally getting your roof repaired. Give yourself extra motivation by opening a separate savings account for each of these goals and creating a nickname like “Cancun or Bust!”

5. Give to Charity

If all of your financial ducks are in a row (first of all, good for you!), you can always consider using your tax refund to create a donation to a charitable cause. There’s something in it for you, too, beyond that warm, fuzzy feeling of knowing you’ve made a difference; many charitable donations are tax deductible, which can help you when you’re filing your 2015 returns. Check out IRS.gov for a detailed list of the many ways you can claim a deduction for your charitable giving, or speak to your financial advisor.

Bottom Line

Regardless of how you choose to spend your tax refund, the most critical tip is that you make a conscious decision about how to use that money.

Don’t let your tax refund slip through your fingers in small increments: Spend an extra $30 here, an additional $60 there, and pretty soon you’ve blown through your tax refund without any idea of where or how you spent that money.

Instead, deeply consider how this small windfall can help you make progress towards a goal, whether that’s building your retirement funds or amassing enough savings to pay cash for your next car. Apply the entire lump-sum towards that goal. By doing so, you’ll never need to wonder where the money disappeared.

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3 Moves to Build Money Confidence in Your 20s, 30s, 40s and 50s

The older you get, the more confident you’ll feel about your money, right?

Actually, no. According to new research from LearnVest, it turns out that age doesn’t necessarily correlate with financial confidence in the way you might expect.

The study, which surveyed more than 100,000 people, found that there’s a U-curve when it comes to money confidence by age. Those under 25 actually reported feeling more confident about their finances compared to those in their 30s and 40s.

So what gives?

Well, the findings seem to show that feeling empowered has less to do with how much you make, and more to do with the financial responsibilities you bear.

So the more of them you have as you age — the mortgage, the college fund, the paltry nest egg, you get it — the less confident about money you’re likely to feel.

Still, every demographic faces its own set of money worries, so we asked financial pros to pinpoint one big challenge that tends to plague people in each decade and offer tips on how to tackle it — with confidence.

20s Financial Confidence Challenge: Saving on a Starter Salary
In your 20s, you may be getting your first real paycheck — but it may have fewer zeros than you’d like.

But that didn’t stop 39 percent of the under-25 set in the LearnVest survey from labeling themselves as financially confident. Perhaps it’s because they’re thinking ahead: Government data shows that income grows 111 percent by the time people hit the 25-to-34 age bracket.

Still, the promise of a higher income can be little comfort when you’re scrimping. Lauren Ray, a 23-year-old content manager for an SEO firm, graduated in 2013 with more than $55,000 in student loans.

She currently lives with her parents and calculates that it will take her about 17 years to be debt-free. “When I receive my paycheck, the first thing I do is make a payment on my loans,” says Ray, who lives in Bensalem, Pa. “It’s overwhelming to think about the amount of money I owe — and the time it will take to pay it off.”

Even if it’s just temporary, how can you defeat starter-salary malaise?

1. Start paying yourself first — now. According to a recent study, millennials have a savings rate of -2 percent, which means they are living paycheck to paycheck or going into debt. But fewer family money responsibilities means now could be a good time to get in the habit of diverting money from your paycheck into savings.

RELATED: Pay Yourself First: The Habit That Can Help You Build Wealth

“A lot of times [20-somethings] like to spend and then save what’s left over,” says Daniel Wrenne, a CFP® with Wrenne Financial Planning. “You have to acknowledge that you have to save first — otherwise you’re not going to do it.”

2. Start your nest egg, no matter how small. Young people have more time to take advantage of compound growth, so consider funneling whatever you can into a 401(k) or a Roth IRA — even if it’s just 1 percent.

“Then commit to increasing your retirement savings as your income increases with the cost of living,” says CFP® Catherine Hawley. “I think you can be really confident if you’re saving 20 percent of your gross income. But not everyone can do that starting off, so do what’s possible for you.”

3. Don’t feel pressured to pay off student loans ASAP. Although the stress of your loans might be weighing you down, you don’t want to funnel all of your money toward paying down your student loan debt — to the detriment of making progress on other financial goals.

“Come up with a payment plan that you can actually afford now — but that also gives you clarity on when you’ll pay the loans off,” Hawley says. “Your circumstances are going to change, so know that you can always take a different strategy in your 30s.”

RELATED: Money Mic: Student Loans Dashed My Dreams of Buying a Home

30s Financial Confidence Challenge: The High Price of Nesting
If you’re less concerned with catching the latest indie band and more preoccupied with the color of the nursery, welcome to your 30s — the decade of “real adult” responsibilities.

Fact: The average age of a first-time homebuyer is 33, and 30 is the average age at which college-educated women first give birth.

The increased financial responsibilities that come with establishing roots could be why those in the 35-to-44 bracket were the least financially confident in the LearnVest study. After all, home, hearth and a growing household all amount to higher expenditures.

So how can a 30-something’s finances withstand the pressure?

1. Spend for the life you have, not the life you want. Lauren Bowling was looking forward to entering her 30s with a husband, a new home — and plans to start a family.

So she and her fiancé bought a 2,000-square-foot, single-family house in Atlanta — only to call things off three months later.

RELATED: 4 Couples, 4 Home Purchases: How Much Can They Afford?

Luckily, the home was in her name and the mortgage was affordable, but that still doesn’t mean she thinks it was the right investment.

“I let romance get the better of me, and we bought a home for the future, rather than what was needed for us at the time,” says Bowling, a financial blogger. “It was more home than we needed as a couple. Now I wish that I’d bought something much smaller and in a better neighborhood.”

As evidenced by Bowling’s story, while it’s O.K. to have a wish list, it’s important to know when you need a budget reality check.

“Being conservative [with what you can afford] can give you more flexibility if you decide to change careers or spend more time at home with your kids,” Hawley says. “Your hands aren’t tied by that large mortgage.”

2. Inflate your savings instead of your lifestyle. Another reason to keep those housing costs down? Lifestyle creep.

“If you see the money in your checking account, you end up buying the nicer towels, the nicer car — things that, in the long term, you won’t have much to show for,” Hawley says. “Those [could be] small increases to your retirement account instead — that’s really where you’re going to be growing your wealth over time.”

3. Simplify your financial picture. With so many financial responsibilities to juggle, cutting back on the number of accounts you manage can help you keep better track of your financial progress, suggests Wrenne.

That could including rolling over old 401(k)s, limiting the number of credit cards you carry, or using an online tracking tool to see all your finances in one place.

“I think simplification should be a big consideration — there’s no reason to have, say, six checking accounts when two is much easier for you to manage,” he says.

RELATED: More Money, More Problems? The Dangers of Lifestyle Inflation — and How to Avoid It

40s Financial Confidence Challenge: The Sandwich-Generation Crunch
Once you enter your 40s, you’ve got a three-pronged potential strain on your finances: college costs, retirement and your parents’ care.

The average family has saved just over $15,000 for higher education, according to Sallie Mae data — which, unfortunately, isn’t enough, considering a four-year public university costs almost $19,000 just for the 2014-2015 calendar year.

Meanwhile, Pew Research shows that about one in seven middle-aged adults provides support to an aging parent and a child.

Given all of this, it’s no wonder that only a third of LearnVest respondents in the 45-to-54 age range said that they felt financially confident. But how can you when your money worries span generations?

1. Set college expectations early. Only 8 percent in Sallie Mae’s college study said they would “limit college choice based on cost.”

But if you plan on helping to foot the bill, it’s O.K. to tell your kids that the bank of mom and dad has a threshold, says Sheryl Garrett, a CFP® with the Garrett Planning Network.

“The younger, the better [when it comes] to planting the seeds of reality,” says Garrett, who’s already told her daughter that out-of-state college tuition will be her responsibility. “You can say, ‘If I fund college, I’m going to have to rely on you when you graduate.’ I’m sure most children would prefer that you take care of yourself.”

RELATED: Calculating College ROI: How to Tell if You’re Getting the Best Bang for Your College Buck

2. Prioritize the parent money talk. Now is the time to start asking your folks about their finances — and what they hope will happen as they age. How long do they intend to stay in their home? Can they afford nursing care? Do they have an estate plan?

“You have to be careful in your approach, but you still have to bring it up,” Wrenne says. “I always tell clients, ‘Blame it on me.’ Tell them your planner is bugging you to get this information.”

For further ideas on how to broach the conversation, Google “40/70 Talk.” It’s called that because it’s the eldercare discussion you should have by the time you’re 40 and your parents are 70.

3. Assess your retirement progress — stat. Crunch some numbers: Are you on track to replace 85 percent of your income in retirement? Will you have to stretch out your retirement timeline? Are you budgeting for increased contributions?

“Usually the 40s is when people realize that they’re either doing pretty good — or they’re way behind and start to get freaked out,” Wrenne says.

But that’s still better than keeping your head in the sand. “Once you’ve admitted to yourself that you need to work on your retirement strategy, ask yourself: What do I need to change? Where can I make improvements?” Wrenne says. “Then you can build a new plan going forward and monitor your progress.”

RELATED: 6 Signs You May Need to Revisit Your Retirement Plan

50s Financial Confidence Challenge: Prepping for the Retirement Transition
In the LearnVest survey, financial confidence inches back up in the 45-to-54 and 55-to-64 age groups, forming the second half of the confidence U-curve.

That could be because big-ticket financial responsibilities, like mortgages and college costs, start to wind down in your 50s — even as earning power remains strong.

Of course, there’s still your nest egg to think of: 68 percent of Americans ages 50 to 64 say they’re worried about not having enough for retirement.

“I know I don’t have enough saved,” says Beth O’Donnell, 54, the owner of a business consulting firm who lives in Philadelphia. “Like everyone else, I got slaughtered in 2008 and have only now regained all I lost. I worry constantly about losing my business — and therefore my income. At this age, unemployment is long-term and often permanent.”

O’Donnell’s story begs the question: How can you help boost confidence when retirement looms large?

1. Play catch up. Once you hit 50, you can contribute an additional $6,000 to your 401(k) and an additional $1,000 to your IRA above the current 2015 limits.

Do that every year from 50 to 66 and you’ve funneled an additional $112,000 into retirement — not bad considering that doesn’t include compound interest or the regular contributions that you’re hopefully already making.

2. Be realistic about your exit strategy. Some 50-somethings may view retirement as the only way to end a career they are so over — but “don’t get trapped into retirement as an escape from your job,” Garrett says. “That often leads to a decision to retire before you’re truly financially ready.”

Instead, calculate how your retirement income might change based on several age scenarios — and remember that working is still a possibility.

“A lot of people don’t want to quit cold turkey,” Hawley says. “They either want to cut back their hours or switch to a job that reflects a pet passion they can turn into an income stream.”

RELATED: Semi-Retirement: Are You Cut Out For It?

3. “Practice” your retirement. Sometimes the idea of retirement is more romantic than the reality. You may think that beachside cottage is for you, but if you’re used to the hustle and bustle of a busy 9-to-5, will you enjoy that investment?

Before you decide how you want to spend your golden years, visit the places you’re thinking of moving to, as well as the activities you plan to pursue. How will you spend your time? How will you spend your money? Can you live a simpler life — or do you need your creature comforts?

“Getting a sense of that change,” Hawley says, “will really help you experience [retirement] before you’re thrown off the deep end.”

RELATED: 5 Ways to Retrain Your Brain to Save More for Retirement

This post originally appeared on LearnVest.

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