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Opinion Editorials

There’s a new American Dream, no picket fence needed

(OPINION EDITORIAL) While the American Dream of a two story home with a white picket fence sounds dreamy, so does not living paycheck to paycheck.

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american dream white picket fence

A long time ago, in a galaxy far, far away… there was a dream.

It was the American Dream of a white picket fence nuclear family where everyone eventually went off to college and got awesome jobs.

These days are a little different and I mean for everyone, not just for the millennials who like to remind each other how much harder it is economically (than Baby Boomers) via memes. It’s not only a class issue of those living paycheck to paycheck, but I think we can all agree that this is the new American Dream: not living paycheck to paycheck.

So how does this new dream become obtainable? Are coding schools the answer for someone who is searching for a lucrative career path? Do we work side jobs? Do we donate plasma regularly?

There’s all kinds of personal finance information out there with varying sorts of likelihood of possibility, or impossibility, even. Some will tell you to squirrel away at least 10% of your income or to become a committed saver. Or how about the Rule of 72? And let’s not forget nest eggs.

These are all nice ideas.

Planning for retirement, it’s the highest bit of advice that we can get yet it’s not even on the radar. We’re trying to make it through today, and hopefully tomorrow, too, speaking from someone who is also in this group.

According to a recent survey by PurePoint® Financial, 60% of Americans believe we are on the brink of a financial crisis versus thinking the current economy is strong. What’s most unfortunate about these kinds of statistics is that fear isn’t a motivator for saving.

“Sometimes in the face of uncertainty, people tend to freeze and not take any action at all,” said Pierre P. Habis, President of PurePoint® Financial.

I can’t blame anyone with the mindset of, I need this money now. Because that’s how life works.

From someone who is also in this boat all I can say is save what you can. Do you really need to spend $30+ at the theater or can you wait for Redbox? Can you get up a little earlier to pack a lunch with what you’ve got?

I can’t tell you how often I’ve spent money eating out some place only to walk away feeling frustratingly unsatisfied; you know that accompanying guilt of having bought food some place only to have it felt not at all worth it.

So what’s a person to do in this crazy world we call now?

It’s an eye-roll worthy response, but the answer is really save save save.

Whatever you get, pocket a bit into a savings account or a piggy bank, and don’t touch it. Maybe we don’t need that extra shot of espresso or that Pop! figure of Eleven with Eggos. That $5-$10 can be deposited somewhere, especially if it comes with some kind of interest.

It does add up.

So really, it all boils down to saving what you can and not spending the extra cash on things that are fun or not really necessary. I mean did I really need the 4k UHD version of Baby Driver? No, but these are the sort of decisions you have to be prepared to make if you’re budgeting.

And the other obvious? If you work at a company that has a 401K plan, especially if it matches, jump on it! It may at first seem like money being deposited into a black hole, but future you will thank you.

Ashe Segovia is a Staff Writer at The American Genius with a Bachelor of Arts in Communications from Southwestern University. A huge film nerd with a passion for acting and 80's movies and synthpop; the pop-cultural references are never-ending.

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Opinion Editorials

If you’re not constantly hustling, are you even living?

(EDITORIAL) If you aren’t hustling on the side, at night, while you eat, and in your sleep, are you really even a person in 2018?

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Back in the day, the idea of “hustling” was something of a negative concept (think Jon Voight and Dustin Hoffman in Midnight Cowboy). Now, if you’re not constantly hustling, and living that hustle life are you even living? If you don’t Rise and Grind, are you even a real person?

In this fast-paced, “I want it now” society, the assumption is that because we have 24 hours in a day, we must use every second of that time on one side hustle or another to make a few extra bucks, otherwise we’re not being productive. As Guru JP explains below, “being busy means you’re being productive. You do your best work when you’re always working. More quantity equals better quality.”

This has become one of the beliefs of entrepreneurialism: if you’re not working on your startup while Uber-ing at night and walking dogs via Wag on your lunchbreak, you’re not hustling and you’ll never be successful.

One important key of the hustle is to document how busy you are on social media, or else it’s not actually happening. Sharing a daily “rise and grind” pic on Instagram is the only way to appropriately start a manic day of hustle.

Despite what research would say, face-to-face communication is ineffective and computer mediated communication, or communication through text with no context or nonverbal cues, is the best way to relay messages. Also, if you’re hustling 24/7, there’s no way you have time for an in-person meeting when you’re on a FaceTime meeting while hosting a G-Chat team meeting simultaneously. I mean, come on.

The way that you know this is legit is that the hustle is referred to as a “game” which is how you should always describe your career path. Pople like volunteers in impoverished countries, single parents working ONLY two jobs, and people who built a business from the ground up and decided to only stay with that business, have no idea what hustling truly is (especially since none of it was documented on Snapchat).

And, the benefits of constant hustling are immense! You have unlimited time off and can take an unpaid vacation to anywhere in the world – just as long as there’s WiFi.

With hustling, you have so many options on how to make some extra scratch and start six different podcasts that all have a listener of one. Why wouldn’t you want to join this amazing idealism of entrepreneurship? Also, if you’re still reading, you’ve lost the game. Shouldn’t you be on to something else by now?!

Author’s note: In case you couldn’t tell, this entire article is incredibly facetious. Our COO wrote a popular editorial, rejecting the idea of hustling, and I completely agree with her on that. Constantly working to the point of exhaustion is, well, inefficient. Work on one thing, succeed, and then go from there. Ugh.

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Opinion Editorials

The strong case for Texas being technology’s next frontier

(EDITORIAL) Everyone loves Tacos and tech in Austin, but Texas has far more to offer – here’s how the various cities will create the next mecca for the tech world.

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texas capitol ceiling

Despite what the movies have told you, Texas is not the place you think it is. Sure, we’ve got cowboys, brisket, and a lot of BBQ, but the Lone Star State is much, much more than clichés. Over the last few decades, Texas has been gaining steam as one of the premier places to live in the country.

While yes, people love a good chicken fried steak or are always looking for an excuse to sneak over to their favorite grocery store, HEB, Texans aren’t sitting idly by when it comes to tech – they’re grabbing the industry by the horns.

Thanks to the state’s business-friendly tax breaks, a year-round predominantly warm weather climate, and a strong state culture, the popularity of Texas makes a lot of sense: Houston, which was once considered a third tier city is about to overthrow Chicago as the third largest in the nation, while also being lauded as our most diverse city.

Let’s repeat it, for all the people in the back: Houston, Texas is more diverse than Los Angeles, or New York.

Affordable neighborhoods are popping up across Houston, which are attracting immigrants from every culture looking for their slice of the American Dream. Houston is seeing explosive growth and a cultural shift away from being a town built on strictly fossil fuels, but now, startups, tech, and umbrella industries are finding their niche in the state’s biggest urban area. Only New York is home to more public companies.

Houston’s medical sector ranks with some of the top care in the world. And with those elite doctors, come the innovative pharmaceutical and medical companies, and the tech that supports them.

When you look at the top twenty metro areas to live right now in the country, four of those cities are in Texas. While some of those reasons are affordability and the signature Texas heat, the state is seeing new residents thanks also to a healthy job market. Since 2010, Texas has added 12.6% more residents, double lapping California’s growth of 6.1%.

Texas’ workforce is bigger than 46 states in the union total population and has doubled in job growth, productivity, and new deals are being struck daily. Texas’ impact on the tech sector is indisputable: Texas has exported more technology than California, again.

Deep in the heart

Startup culture is alive and well in Austin, but while some of our startups are finally beginning to draw VC attention away from Silicon Valley, we know how to slug it out in the land of the bootstrapped beginnings. If your company can thrive in Austin, with so many talented people, and a lot of great ideas, you can make it anywhere (sorry New York, for stealing your platitude).

Austin is still a developing story. As enterprises are opening offices in the capital city, this is helping VCs along the coasts see Austin’s potential as a hub of ideas. The city is still behind the bay area for risk-taking ventures, but given the current climate of investors, there’s a sea change happening.

Giants like Apple, Atlassian, Oracle, Dell, Amazon, Samsung, Facebook, and Google are all occupying space in buildings across the Austin skyline. Enterprise companies are investing heavily into the Austin market, and there are zero signs of a slow down. If you need further proof, just look at the traffic on any of the city’s major highways during rush hour.

Dallas is making a hard play at attracting the top-tiered companies as well. When Amazon head honcho Jeff Bezos announced put out a call for bids for Amazon’s HQ2, many cities made a play for the site, but now that the final cities have been chosen, both Austin and Dallas both stand to score the shopping monolith.

Oculus, TopGolf, and startups like Veryable, Dead Soxy, and Artist Uprising are attracting some of the brightest minds to the Dallas/Fort Worth metro area.

South Texas joins the party

San Antonio is quietly building a case for a burgeoning tech scene, too. It’s not quite there yet on the enterprise or startup level, but the city is widely known for one thing – cybersecurity. Outside of Washington D.C., San Antonio is known as “Cyber Security City USA” to folks in the black hat scene.

San Antonio logged the most substantial growth of all of the Texas cities, adding over 250,000 new residents in 2017 alone. Thanks to a robust military presence, San Antonio is quietly attracting more and more security-minded firms, a feat that’s unique in comparison to what the rest of the state is offering. Military-friendly banking institution USAA is headquartered in San Antonio, as is grocery chain HEB, and Whataburger, with all three companies investing heavily into user experience and mobile applications (aka technology).

If Amazon decides on HQ2 in either Dallas or Austin, that will signal a 200,000+ person addition to the state’s population and economy. That’s a lifetime investment into either city, wherever Bezos, and his board chooses. Coupling that possibility with the already strong presence of Southwest Airlines, Texas Instruments, and just about every major gas corporation, it’s easy to see why these moves are a huge deal. For the latter, it’s also important to note that every sector is bolstering their websites, their social media footprint, everything that can be done on a laptop is happening – one new job at a time.

As the tech scene develops and changes from a strong west coast-driven model, Texas is benefiting from the change. Many Californians are moving to Texas, which is an article to itself, but one thing remains: the Texas economy has never been stronger, and it’s only improving. The story of tech in Texas is a continual work in progress.

We’re not going to overtake California next year, but we’re making a stand, and people are noticing. If the current economic growth is an indicator, the famous Dairy Queen saying is potent with it’s accuracy: “That’s What I Like About Texas.”

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Opinion Editorials

How one podcast is giving a voice to veterans everywhere

(OPINION EDITORIAL) Veteran and former Paralympic skier begins volunteer podcast as a way to give voice to fellow veterans.

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veteran podcast h train

“Tough times don’t last, tough people do,” is the mantra that Joel Hunt lives his life by. As an Army veteran, who was injured during his third deployment, Hunt has seen his fair share of tough times.

After suffering a traumatic brain injury and partial paralyzation in his left leg, Hunt left the army and was in the care of his parents. They encouraged him to try Paralympic skiing as part of his rehabilitation.

While he was initially against the idea, he eventually warmed to it and wound up skiing in the 2014 Paralympics in Sochi, Russia. This accomplishment helped lead him to the path he’s on now, which is dedicated to helping fellow veterans.

Hunt is now the host of The H-Train Show, a podcast he produces in his Denver, Colorado home. His work on the podcast is done strictly through volunteering, and is dedicated to giving veterans a place to communicate.

“It’s something that helps keep me busy and makes me feel good,” says Hunt. “[It helps] to erase the past.” The podcast airs on Military Brotherhood Radio and has had a variety of guests – all dedicated to the significance of veterans.

In addition to the podcast, Hunt also assists veterans through organizations such as Project Sanctuary.

Hunt recently co-hosted an event with former Denver Broncos wide receiver, Brandon Stokley, that brought ten injured veterans to the Broncos training camp for a meet and greet. Accompanying Hunt at this event was his service dog, Barrett, who Hunt has taught to fold and do laundry.

Hunt explains that all of his efforts are dedicated to helping fellow veterans recover from the tragedies of war. While he says that, due to his brain injury, he does not recall deployment, he still carries the tragedies of losing fellow Army members.

Now, being retired both from combat and skiing, Hunt states, “My heart is to help other veterans avoid the fights for life I did. Not everyone can enjoy all the success I achieved, but at least I can help make the journey less of a struggle.”

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