1. Missy Lacock
An ever-changing world means
there’s no way to foresee our future,
and a lot can go wrong. However,
a lot can also go right – and both
brands of unexpected events often
require greenbacks. The problem?
ACCEPT A GREAT INTERNSHIP. Two-thirds
of internships are unpaid, and most rotate
in ten-week to six-month intervals.
PAY FOR EXTRA TRAINING to get a better
job or be better at what you do. Companies
aren
,
t required to front the costs of volun-
tary class and seminar enrollments.
MOVE FOR A NEW OR BETTER JOB. 18.7% of all moves
in 2012-2013 by 18- to 24-year-olds were job related,
according to the U.S. Census Bureau. Relocation
expenses can include U-Haul rentals, travel costs,
housing deposits, and first and last month
,
s rent.
OPPORTUNITY
BEGIN A NEW JOB. New payroll cycles mean
you
,
ll need extra money to supplement the
period before your first paycheck.
YOU’RE HIRED!
69% of large companies and 39% of
small companies offered full-time jobs
to their interns in 2012. forbes.com
22
winter 2014

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23
winter 2014
16.8% of college
graduates ages
21-24 are under-
employed, accord-
ing to a 2014 Eco-
nomic Policy Insti-
tute report. And
remember that
those student loan
payments kick in
six months after
you toss your hat.
LOSING A JOB BECAUSE OF LAYOFFS.
Severance packages vary widely, and
employers are not required by law to
provide severance pay at all.
SUFFERING AN ACCIDENT OR ILLNESS. You
,
ll
never know what hit you, and those repair
and medical bills stack up fast.
EMERGENCY
TAKING TIME OFF WORK FOR PERSONAL REASONS.
You
,
ll still have bills waiting when you get back.
UNABLE TO FIND A JOB UPON GRADUATION.
More than half of all young adults don’t save, according
to a Wells Fargo 2013 survey, even though financial
advisers recommend keeping a fund with three to six
months’ income of backup cash. Saving money for
OPPORTUNITIES and EMERGENCIES is critical to being
ready to adapt to any event.