Financial Library

Recent college or university graduates with their first career job have an understandable itch to spend money after years of living on Kraft Dinner. The last thing they want to think about is saving money and building assets.

Yet this is the ideal time in life to start developing the correct habits that will lead to a comfortable lifestyle now and in the future. But what we often hear are the reasons why now is not the right time to get started. And you don't even need to watch how you spend every penny!

Here are five bad excuses for not investing:

Our previous article looked at the increase in market volatility in 2018 in historical terms to put it in perspective. The other factor to consider is where are we in the market cycle and what this might mean for you personally in terms of your own long-term financial strategy.

Many market commentators suggest that we are past the half-way mark as far as the longevity of this equity market run since mid-2009. If history is any guide, there is very likely more time left before the next recession or bear market (defined as a 20% or more correction in the equity markets).