Let's be real here: college is supposed to teach us how to be adults and live in "the real world;" but none of us are ready, and some of us never will be. I probably will still be calling my parents 10 years from now asking them to do my taxes or help me figure out my 401k plan. We're supposed to be in college to learn valuable life lessons for when we graduate and have to start our own lives, but I cannot confidently say I know how to be an adult. Scary, isn't it? Here are some of the things I wish I to know how to do by the time I graduate.
1. How to do taxes.
This one still confuses me, and probably will until the day I die. Am I supposed to hire someone to do them for me? Am I supposed to use TurboTax like I see in the commercials? What will happen if I forget to do them on time? When is tax season? Is there more than one?
2. How to monitor your credit score.
What's a good credit score and what's a bad credit score? Should I be using Credit Karma to look up my score? When is a good time to start building up my credit? What factors even go into building credit? Does everyone start with a high credit score, or do we all start from the bottom and work our way up?
3. How credit cards work.
I'm at the age where people are just starting to apply for credit cards and build up their credit. What happens if I never get approved to have a credit card, though? How long do I get to pay off my credit card bill? Is there a limit to how much I can put on my credit card?
4. How to manage a mortgage.
I've heard the term "taking out mortgages" on homes before, but what are they really used for? Is this some type of property loan? Is it going to put me into even more debt than I already am as a broke college student?
5. How to cook a good meal.
This is a big one. Why isn't there a "college student's guide to cooking" class? Let's be real here: we all came to college with the knowledge of how to microwave chicken nuggets and order in Domino's. Is it even possible to survive on a regimen of chicken nuggets and pizza for the rest of my life? Maybe we should just all give up cooking and eat Chipotle every day.
6. How to jump-start a car or fix a flat tire.
I know there is going to be a day where I'm driving through a place that looks like a scene straight out of one of the "Texas Chainsaw" movies, and my car is going to break down in the middle of nowhere. How am I supposed to attach the jumper cables? What if I attach the cables the wrong way and I ruin my or the other person's battery? What if I don't have the proper tools to fix my flat tire — then what?
7. How to budget money.
I've started to learn the hard way that I can't always eat out every day, and leisurely activities are almost always going to be out of the question. How much money is supposed to be in my savings account every month? Will I have enough money to go grocery shopping at the end of the week? Should I be buying things in bulk at Costco to save more money? Are things even cheaper at Costco?
8. How to manage a 401k plan.
So, apparently, I'm supposed to start saving for retirement, like, now? If I don't start putting money away soon, am I going to have to wait until I'm 80 and miserable to retire? How do 401k plans even work? How much money am I supposed to be putting in this savings account every month?
9. How to dress for a job interview.
Dressing to fit a company culture is very important during a job interview, but how do we know if we need to dress more on the formal side or if we can dress more on the business-casual side? What if I come to a job interview as the overdressed or under-dressed one?
10. How many drinks should I have after work on a weekday?
What if I end up having too many beers and missing my alarm for work in the morning? Should I even be drinking on the weekdays?
11. How to shop at appropriate clothing stores for my age.
Is it still acceptable to still be buying my clothes and jewelry from Forever 21 when I'm 26? I mean, they do have a business wear section...
12. How to take a decent photo.
It's probably not the best idea to have a selfie as your LinkedIn profile picture.
13. How to fix household problems.
It's probably a good idea to know what to do if a pipe bursts in your house, or if your toilet or sink is clogged.
14. How to write a check.
This one would probably be one of the most useful things to know how to do. When writing out the amount of the check, am I supposed to spell out the numbers or do I just write them out numerically? What will happen if one of my checks bounces?
15. How to make a good cup of coffee.
There will be one day where I just cannot afford Dunkin' Donuts or a trip to Starbucks, and I will be forced to brew my own cup of crappy coffee. What's the best brand of coffee out there to ensure that I have the best damn coffee in my cup to start my day?
Whether I'm just learning how to cook an actual meal or learning how to budget my money, I know it will be a long process down the road, but I will figure it out somehow. Even if it does mean making 20 calls to my parents.