August 4, 2025 • 41 mins
Adulthood doesn't come with a manual—but we’re here to help. In this two part episode, we break down the essential things every responsible adult should know, do, and accomplish to live a stable, self-sufficient, and fulfilling life. From managing finances and maintaining physical/mental health to mastering time management and building a strong support network, we’re covering the practical and personal foundations of mature living. Whether you're just stepping into adulthood or reevaluating your life goals, this episode will give you actionable advice, smart habits to adopt, and a checklist to measure your progress. Adulting isn’t always easy—but with the right mindset and tools, it’s absolutely
manageable.
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manageable.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:03):
You're listening to the Hot Topics Podcast Psycho forty eight one,
Lovely Lady Land Shop and Dobulous Blonius seven. Let's get
into it. Welcome everyone back. We're back, We're back. We're
back to another episode of Hot Topics podcast. Today is
(00:25):
going to be a solo day. We have my coworkers out.
One has been under the weather and the other one
has been tied up during some duties. So it's going
to be me Psycho forty eighty one on this particular
episode solo do loo. Okay. So one of the things
we wanted to speak about now I was hoping we
(00:47):
had a you know, a discussion or people here to
talk about it and get their inputs in it was
adults adulting. Adulting sucks, okay for anybody out there who
you know enjoys being an adult. Yes, we do enjoy
(01:08):
being an adult, you know sometimes, but overall, I think
adulting sucks. So you kids don't know how good you
have it. So we're going to go over some things
that every functioning, responsible adult should know. And a lot
of things are common sense, but some things are not.
And hopefully if any parents are listening, they could relay
(01:31):
this back or have their their child listen to these
things and hopefully get some insight on where they are
in that progress or that progression. Adults included. So what
I did realize is that being a responsible adult is
a lot to it, and there's some shortcomings that I
(01:52):
have when it comes to that, just by going over
some of the things that I was reading and compiling,
you know, for this episode. So we're gonna talk about
that and as basically everything of responsible adults should know,
do have, and accomplish, right, simple as that. And we're
(02:15):
gonna go over some things like, you know again, things
to know, things to do, things to have, things to
accomplish like, uh, we're talking about life skills, uh, legal
and civic knowledge, social and emotional intelligence, which is sounds easy,
but that's one of the more difficult things. We're gonna
talk about daily habitual practices, routine maintenance, relationships in community.
(02:42):
We're gonna talk about financial milestones, things under things to accomplish.
We're gonna talk about personal development and that's a big one.
We're gonna talk about social contributions, which I think everybody
should have, and that's that's undervalued. Uh. Some bonus character
traits to cultivate. We're going to talk about key documents
(03:04):
and records, things that you should have in your possession,
and financial essentials that's about being an adult and functioning
as an adult and preparing to have your own family.
We're going to talk about some practical tools and household items.
Sounds easy, but these are little things that some people
don't think about. And then we're going to go into
(03:26):
knowledge and resources, home and living essentials, transportation essentials because
everybody needs transportation, and then contingency and mobility in case
things happen. Okay, some things you'll hear is going to
(03:46):
be repeated because they're applicable to different topics, so nonetheless,
don't threat So first thing we're gonna talk about is
life skills. And life skills is just basically that those
(04:08):
things that you have, that experience, that know how, that's
basic to life. Right. So Number one basic financial literacy.
That means you need to understand budgeting, savings, debt, credit, taxes,
(04:30):
and interests. Now, this one's interesting because you know people
do no bud budgeting for the most part. That's basically
putting in your income and your expenses and see what
you have left over and making sure you a lot
the appropriate amount of money to those things, and then
you're adding other things like your wants. Always take care
(04:52):
of your needs first, and then hopefully you'll have savings. Now,
the savings part that's self batory. You want to make
sure that you do have a savings for especially for
emergencies or just for the future. Debt that is not
always a bad thing, but there's something that needs to
be controlled because if you don't understand how debt works,
(05:15):
it could work in your favor and it also can
work against you. So you need to know things like that.
And they have classes on financial literacy out there, and
I think what we'll end up doing is every subcategory
that we have, we're going to actually have a different
episode to talk more in depth and bringing some experts
to talk about it. So we'll have somebody come in
(05:36):
and talk about financial literacy that covers all of that.
But but now we're just going to talk about the
general things because it's a lot credit. Most people don't
understand credit. You know how your credit affects many different things,
So you need to learn about credit. You need to
learn you know how a credit score is calculated, the
(05:59):
impact it has. Then there's taxes, the raggedy taxes. Everybody
needs to pay taxes. You're never going to get around
not paying taxes, and taxes is not necessarily a bad thing.
You just need to know how to file and how
to you know, record things so you can actually get
(06:22):
the most out of it. So and then there's interest
that could be from investments, that could be from savings,
which is not a lot, but just understand the interests.
So you want to go into time management, this is
probably one of the most difficult things. You need to
know how to prioritize tasks, very difficult for most, not
(06:45):
for most, but I know for me. You know, set
goals easy, easy to set goals, but maintaining it and
being on that that drive or that you know, ladder
to get to those goals and something else. And then
you have to manage procrastination. That's what the time management
thing is. And there's so many things in that you
can talk about. Procrastination will make your day harder. You
(07:10):
can make your financial goals more difficult. But that's something
that some of us do and I'm one of the
big perpetrators of procrastination. If they had a degree in
and out have a master's and under again under life skills.
You need to know about critical thinking. Now, critical thinking,
(07:34):
there's a lot of people out here, and we always
talk about this on social media. There's a lot of
people out here that see information or see things that's
posted a read here, look at whatever, but they don't
have any critical thinking skills or they don't use critical thinking.
So you need to be able to evaluate whatever information
is out there or that's presented to you. You have
(07:56):
to think independently, and most of all, avoid being scammed, okay,
because that can cost you a lot of money. So
again we're gonna have in depth episodes to talk about
all these different you know points number four. You need
to have basic home and auto maintenance. You need to
(08:18):
know how to do certain things like you know how
to reset a breaker in your home, how to change
your tire, how to stop a leak, how to you know,
change your oil, even though you could pay for it
sometimes you know knowing how to do those little basic
things we'll save you money in the long run, and
you're not always going to be in a position to
(08:39):
do a lot of those things, but it's good to
know how to do certain things. You know, changing the
filter on your air conditioning or your furnace. I think
changing light bulbs, and it sounds simple, but you know,
there there's a reason you need to change a lightbulb
and see what you know, you can select the light
(09:00):
bulb and select something that's not gonna be bright enough
or something that's gonna take up too much of your power.
So if you want to be power conscious, those are
the things you gotta look at. So it's not so
much as easy as it sings for everything. You know,
we're not asking you to, you know, put up a
dry wall or anything like that, but just know some
(09:20):
basic repair stuff like using spackling to patch up a hole.
That's easy. You know, you can a lot of this
stuff you can get off of YouTube. But you want
to have some type of basic home and auto maintenance
know how. And then which is this is big for me,
(09:41):
emergency preparedness. When emergencies happen, and emergencies could be anything,
you gotta know how to call emergency service. You should
know how to administer basic first aid and that could
be like having a deep cut or somebody with a
broken bone or something along those lines. First aid. You
want to you know, it's good to know some type
of CPR because that could be the difference between life
(10:04):
and death, between you know, a loved one and what
to do. How to respond to a fire if you
have a fire in your home. You know, I'm not
talking about where the whole house is engulfed in flames.
I'm talking like if there's a kitchen fire or fire
that started in one of the rooms, or maybe the
kids were playing with matches, how to address those, What
(10:26):
to do when you have storms and you know, but
at these storms and heavy rain, and make sure that
you're you're outside, gutters are clear, make sure that the
sump pump is working because that might bring a lot
of rain and you don't want to back up and
stuff in your basement. And then what do you do
(10:47):
during power outages? So those are basic things that you
need to know. That's, you know, life skills. So the
other part that you need to know legal and civic knowledge.
And this kind of burns me up sometimes too when
you talk to somebody and they don't know certain things.
(11:07):
I'm not saying you have to be a lawyer, but
certain things you need to know to be a functioning adult,
a responsible adult. You got to know some of your
rights and responsibilities. You know, if you have a job,
know you're some employment law, so you know they can't
work you one hundred and twenty hours a week and
not compensate you with over time or whatever it is.
(11:29):
You need to know that if you're employed, if you're
renting a home or an apartment, you should know what
your tenant rights are, what the landlord can and cannot do,
not just that what your rights are or your responsibilities
are as a tenant, So you just can't know what
(11:49):
their rights are or your rights are. You gotta know
what your responsibilities are. You need to know about legal protections.
And that's when it comes out to not you know,
knowing your writes as a as it pertains to law
or law enforcement or even consumer law. You know, can
you return items or you know, if you buy a card,
(12:11):
you know how long do you get to return it
for a refund? Things like that. So I won't go
too deep in it again because you know, there's things
you need to learn in depth. And this would be
like a probably a six hour podcast episode that we
went into death depth with all of these. So a
person would need to know how government works. How the
(12:33):
healthcare system work. You know, not just your local government,
but you need to know how state and federal things
are structured. One thing used to irritate me is when
people get so bent out of shape because the state
delegate didn't get the sidewalks you know, done, or the
councilmen didn't change the law, or didn't bring in a
(12:58):
business to the area. But you have to know what
their responsibilities are, what their rights are, what can they do.
You'll get mad at the councilman for something that is
out of his control, out of his power, out of
his jurisdiction. The same thing with the state delegate or
state senator. You know. That's why that's important. And then
obviously once you know how that works, then you can
(13:19):
probably be a better informed voter or get in law,
get in get involved with the legal process to how
to change things or how to make your voice known,
not just on voting day. You need to know how
to vote. You go on an election day, where do
(13:40):
you want to go, not where you want to go,
where you need to go, what things you need to bring,
what things you cannot bring? Those important things. And then
health insurance, how does health insurance work? You need to
know what you're allowed to claim or what you're what
(14:00):
you're able to get paid by an insurance, but about deductibles,
all the all things like that. I mean, these are
these are pretty basic things. And then when you go
unto under maybe it needs a war. But you need
to go into social and emotional intelligence. Now this is
(14:20):
the ambiguous thing, right because sometimes I think, like, okay,
having social and emotional intelligence that's worked a lot of
people throughout, but they don't really understand it. But basically
that's going to be a whole whole episode in itself.
But you need to know how to handle conflict resolution
and along with that have some type of communication skills
(14:45):
that's super duper important. That could be the difference between
you living a crazy life, you know, having stress at home,
not getting along with your your neighbors, or even having
issues at the job place. You need to know how
that's done and how to do it effectively. And then
you need to know about this is more on the
(15:08):
social I guess intelligence, But when you talk about boundaries
and consent, that's both you need to know what your
boundaries are and how to express it, and you also
need to know about consent especially in the social avenue.
You know that can get you in trouble once you
if you don't know the difference between consent or where
(15:31):
a normal person's boundaries are, or if somebody states what
their boundaries are and you violate it. So you need
to know what those are and when not to cross them.
And lastly, how to recognize toxic behavior. And that's not
just in other people, that's in yourself too. You will
(15:51):
grow better as a person once you start learning what
toxic behavior is and if you have it, and if
your friends have it or your you know, your partners
or whatever, it'll make a world of difference. So that
wasn't too much. But there's three things under things you
need to know life skills, legal civic knowledge, and then
(16:14):
social emotional intelligence. Easy enough, right, not so much? Then?
Now what every adult needs to do. This is going
to be a big one, and like I said, you're
not going to know all of them, but there's things
that you should know. So let's go into that one
(16:39):
daily in habitual practices. What do you need to do
time and time? Again? Number one, pay bills on time
and manage your money responsibly. Don't be impulsive with everything.
Knowing that if you get this five hundred dollars handbag
(17:00):
to be short on the rent. Okay, that's something that
you need to factor in to maintain hygiene in a
reasonably clean living environment. That's good for your mental health
and it's also good for your physical health. And Three
keep medical legal in text documents organized and accessible. Why
(17:24):
is that important Because when it's time to file or
time to check information, you want to be able to
have that readily accessible for you to use or to
you know, check if you need to, you know, if
you come up with a conflict of some sort. Four,
(17:44):
you need to take care of your physical and mental
health pro actively. Get that word proactively. That means don't
wait till you're ready to fall apart and you're in
your deathbed to you know, stop smoking and mental health
as well. This is gonna be big for some people.
(18:05):
Don't want to. They think you're a week if you
go get some type of counseling or therapy. You know,
at some point all of us needed at some point
or another, and you need to take care of your
mental health. That can affect everything as well. I can
tell you've been through that too. Now. Routine maintenance these
(18:27):
are things that you need to have, and I'm talking
about your your home, your car, and yourself. You have
to have know how and you need to be able
to handle your routine maintenance. So that includes having and
your health check up. And that means so some things
(18:49):
you know, you can keep in a diary or a
journal to keep up with, like say if you had
headaches on this particular date, or you know you was
dizzy on this particular date. But because that all matters.
So when you finally get that doctor appointment and they'll
ask you, did you have any of these and you
won't remember, So keep those things in a little book
(19:11):
or in your phone or whatever. But you should have
at least once a year an annual physical and also teeth.
Believe it or not, when you have issues with your teeth,
it can affect your your life actually because your well being,
and it can actually cause you your life. So you
(19:31):
should go to the dentist at least. I'm gonna say,
I believe it's twice a year to get your checkups,
cleaning if needed, you know, they'll tell you. And I
think most people who have insurance, when you have a
regular dentist, they'll usually After you have your your service,
they'll schedule for your next one. So you want to
(19:54):
make sure you keep on that. Car maintenance is important.
It's important because that it can cost you more money
and it can also cost you your safety if you don't,
you know, keep up with that. So that means regular
oil changes, tire rotations, getting your fluids checked, things like that.
And if you have any lights on on your dashboard,
(20:17):
does blinking the check engine check this or whatever lights out?
That's important. One. You don't want to be pulled over
about the police. Secondly, you don't want to get to
a situation where you know you really need it. Example,
you know you had that headlight out, you had one
light out, but the other one worked, so you kept
on going and all of a sudden you're on this
trip and the other light goes out. What are you
(20:40):
gonna do? You're not gonna be able to drive at
night with any headlights on. The police won't let you
and as a safety hazard. So keep up with your
car maintenance. Now for home maintenance, it might be a
little bit more complicated because you got to make sure
that you check your your smoke detectors, your carbon dioxide detectors.
(21:00):
Check your your some pump to make sure that's working.
You want to check your gutters because that can keep
your keep it from flooding. Make sure it's not clogged
with leaves and stuff like that. And you want to
make sure you change your filters whatever filters. Could be
a portable air conditioning it could be the furnace filter,
(21:21):
it could be cleaning the events from your from your
air conditioning and heating. You want to make sure that's
that's good. Could be changing batteries in the door locks. Yeah,
things like that. So then lastly for things that every
(21:45):
responsible adults should do, relationships and community. And this is
something that I'm not really good at. So that's my
little shortcoming. To check in with friends and family periodically.
Now it makes a difference because you never know what
somebody's going through, and you know, you check it in
(22:08):
on somebody might make the difference between life and death. Okay,
we're back. I had to take a little break here
with family business. But yeah, so getting back into relationships
and communities said, checking with friends and family periodically. You
never know what impact you'll have on their day, and
(22:29):
you always want to check on them just to make
sure they're okay, So as hard as that might be
for some people, try to do it. Next, know your neighbors,
you know, participate in local community events like community meetings
if you can. And the importance of that is once
(22:51):
you attend these community meetings, there's a lot of information
that's put out there. You know what's going on in
the community, things that will affect to you, whether it
be you know, something that's moving to your area, some
issues that they have with construction or you know, the
water pipes, whatever it is. They usually have guest speakers
(23:14):
come in and talk about certain things, and that's how
you stay informed, which is very important, very very important.
You know, they might have community events that's coming up
that you might want to, you know, make some money
off of or participate in some sort of way, but
it's very very important that you have some type of
(23:36):
community involvement. And knowing your neighbors also is a good
way of protecting your home as well, because they all
notice things about you and you notice things about them,
and you can call them when things just don't seem right. Thirdly,
help others when you're able and ask for help when needed.
(23:57):
That's huge. Neighbors help neighbors, friends help friends, family help family.
That's what you have in a community. So don't be
hesitant to ask for help. I know some of us,
myself included, we don't like to ask for help. But
you ask for help, they ask for help, and you
(24:18):
know you can build a good relationship with that because
everybody needs help at one point or another. Nobody does
it on their own. And we got to go into
things to accomplish. This is a big one because everybody
has something they want to accomplish in life. But these
(24:39):
are basic things that are responsible adult. So one financial milestones.
You have to have some type of financial milestone, and
that means that means build and maintain an emergency fund.
It might be difficult, there's always been difficult for me,
but building and maintain an emergency fund, and basically you
(25:04):
want to keep three to six months of expenses if
you can. What that means is if something was to happen,
loss of job, layoff, pandemic, you want to be able
to at least maintain your household or yourself for at
least three to six months and hopefully you know things
(25:24):
will resolve itself by then. Number two, be able to
file your own taxes or if you don't know how
to do that, nowhere to get help. And that's tax Act.
You can do it on your software HNR block whatever.
Just then there's plenty of tax preparers all over the place.
(25:46):
So be able to file your own taxes and then
nowhere to get help. Three. Pay off high interest debt.
That is a huge financial milestone. If you could do that,
you'll be sitting pretty things. You'll be able to afford more,
(26:08):
you know, those little things that you could trying to
save up for it. It seems to be more possible
now and nothing drags you down than having some high
interest debt. So have that accomplished. One of those Save
for retirement. So that means if you're in a job
and if you have an opportunity get a four one
(26:30):
k or put money into the four one K or
ira or something along those lines. You should always have
something for retirement. Don't think for today, think for tomorrow.
Maintain good credit that will save you money in the
end and allow you to get the things that you
(26:51):
may not be able to get. Credit is a lot,
I mean, we don't put enough into credit, especially when
you're young. Need to teach kids about credit early, and
again we'll have something specifically or critic because that's very
important and going into personal development. Now, everything might not
apply to you, but most of them should. Number one
(27:15):
would be live independently. That means financially and practically. Get
out your mom's basement. Mom's okay unless you're there to
help mom out. Get out on your own. Don't always
look for a roommate. Be out on your own. Know
(27:35):
how to handle things on your own, because one day,
whether you've never experienced it before, you may be out
on your own and you don't want to be lost
in the sauce. Learn the second language. This is personal
to about me. You don't have to, but it's good
to learn a second language, even if you're not gonna
be fluiding it. Learn a little bit of everything if
you can, you know, learn the technical skill or trade.
(28:00):
Electricians a little bit of carpentry, you could. They have
classes sometimes they used to do things at the home depot.
I'm not sure if they do it now, but they
used to have classes on how to do certain things
like tiling or drywalling or something along those lines. But
learn the trade. That always adds value to yourself, and
then you think about things like the Walking Dead. You know,
(28:23):
if you had to take ten people with you, you
can only save ten people who you want to take.
I'm want to take the person who know how to
you know, build something or you know, hook an electrical
circuit up or plumbing something along those lines. You have
to have some type of skill, and that's just good
to have, even if it's not for that you know,
TV type reason, but just to make your life a
(28:45):
little bit easier. This is something that's underrated guys, especially
be able to cook. When I say cook, I mean
not just put something in the microwave like one of
them frozen dinners and stuff like that. Know how to cook,
know how to actually plan and put together a basic
(29:09):
healthy meal from scratch. Now to make a salad. Know
about nutrition, what makes things healthy. And there's a certain
group of people, a certain demographic that you know, we
we don't eat healthy from the time we're young. So
(29:29):
learn to make a healthy meal. You know, you don't
have to. I'm not saying you have to be a chef,
but just learn how to put that. I told my
nephews this back when they were when they were little,
so I was, you know, back when I was dating.
I said, hey, you know, when you guys get up
to dating, you know, you can't keep always going out
taking a woman out and you know, going to the
movies and dinner and this and that, because it'll drain
your pockets. Blah blah blah. So you know, I told him, said,
(29:52):
you know, we put together a meal so you can
get you a roast chicken. Then they don't make it
really easy because you can go to Costco and get
through one of those you know rotisserie chickens. Wh great
for like four dollars, nice size, get you a bag.
But potatoes. Make some mashed potatoes from scratch, some string
beans or sparagus, whatever it is. Put it together nice balance,
(30:13):
healthy meal and it's going to you know, be easy
in your pockets, and it's not going to you know,
send you to the doctor. So that's very important. Travel
alone once in your life. And I'm not talking about
doing the risky stuff like say you're going overseas or
(30:34):
you're going to a certain place and something happens, there's
nobody to check up on you. That's something I'm not
you know, I'm not four it. But when I say
travel alone, if that means go to the supermarket and
go to a movie. Things like that, you know, or
if you're talking to those people that's still living with
mom and dad or grandma, you know, live you got
(30:57):
to live away from home. You got to know how
to understand the world in yourself. That's important. Get out
of your own neighborhood. I learned that when I got
to this particular city and I realized it's people that
have never not moved out of the city, not traveled
out of the city. They have not ventured outside their
own neighborhood. Get out. See how other people are doing it,
(31:19):
See how other people are living. Open, expand your horizons.
That is so undervalued, you know. And a lot of
us have been you know, fortunate enough to serve in
the military or whatever that took us to different places
than we traveled. So we got to see those things.
We got to see and meet people that did things differently,
you know, give us a different perspective. Learn, let us
(31:40):
learn to compare and you know, use the best practices.
So that is very undervalued. Get out of your neighborhood. Now,
social contributions, these are some things you need you want
to accomplish that I recommend volunteer at least once in
your adult life. Give back, even if it's a clothing drive.
(32:06):
You know they sometimes have the hat and glove drive,
cote drive, food drive, anything along those lines. You will
feel better about yourself. And it's always good to give
back because you never know when you might need that
same helping hand one time in your life. Volunteer, volunteer
at the senior center. Something give up yourself. Vote, and
(32:30):
I'm talking about and this is something. Vote. If you
don't vote, you don't have the opportunity to voice what
you want. If you don't vote, you can't complain. And
I'm talking about voting in local elections, state elections, federal elections,
(32:52):
including the mid terms. Now this is where you guys
really mess up, because I'm saying I always vote. We
vote in the federal elections, like the presidential election because
we might be passionate about that, and then come mid
term elections, which is the next two years, we don't vote,
We don't turn out, and then the person that we
(33:14):
wanted to win in the federal elections is handicapped because
we didn't vote for the appropriate congressman or governor or
what have you. You those things matter. You can't just
vote in one election and think that's all you need
to do. No, you got to vote in all of
them and make a conscious vote. Don't just vote because
(33:38):
somebody you know laughs the wrong way, or somebody wears
a pants suit, or somebody you know don't have a
good haircut. You know, be knowledge about certain things. Attend
you're talking about volunteer. Attend some community meetings or civic
meetings or even political rallies. Hear what they got to say.
(34:04):
See what type of people are going to these rallies.
So you want to do that. It's going to make
you a better person and a more educated voter, a
mentor or support someone else, especially when it comes to
the kids that you know, some generations just drop the
ball and we just you know, left the kids out
(34:25):
there to fend for themselves. If you have the ability,
if you have the time, go ahead and mentor somebody.
It could be even a coworker or a younger person.
You know, they call you unk you're qualified, but they
call you og, you're qualified. Mentor somebody pass on some
of that knowledge that you had to them. You'll appreciate
(34:48):
it because that knowledge won't disappear, you pass that knowledge
onto them. Guess what, when you get older and you
want decent people around you, you can feel satisfied that
you passed information, that that knowledge from you to somebody else,
and they hopefully would pass it on to somebody else.
And it doesn't even have to be generation. The generation
will be peer to peer accomplishments. Again, here's some character
(35:16):
traits to cultivate. These are accomplishments, and these are these
are probably one of the harder things to do because
one we had to recognize it in ourselves, own your
own up to your mistakes and learn from them. That's
that's called accountability. One of the things that you know,
my Marvel fan, one of the things that we always
(35:36):
hear is that how Tony Starks always learned from his mistakes.
And you followed the uh what's it called, the the
uh the one with the gauntlet, whatever it's called. But anyway,
the war the infinity, infinity wars, right, you know, anytime
he's defeated, he always learns from his mistakes, always and
(35:59):
rectifizes him. So try to do that. But you have
to recognize your mistakes. You have to, you know, swallow
your pride and say, you know what, I messed up.
I did this wrong, I did that wrong, I thought
this wrong, I jumped a gun on that. Let me rethink, retold,
and you know, be a better person. Discipline You got
to stick to habits and commitments even when it's hard, hard,
(36:24):
very hard. That means I'm gonna give you a personal
on sugar. If I say, you know what, I'm gonna
cut back my sugar, I'm gonna cut it almost down there,
almost nothing, because you can't just completely cut it out
because everything in this USA has sugar in it. So
you need to have that discipline. You'll feel better once
you see the results that your desired results, you'll feel better.
(36:49):
And if you don't have discipline, you always will have
that little thing in the back of head that makes
you feel bad. So those are things that you want
to kind of build. Appreciate it as well. Empathy that's
the third one. Empathy. Try to understand other people's experiences.
(37:09):
Put yourself in their shoes. Nothing worse that I hate
when somebody does not have any empathy for other people.
That really irks me. If you don't, I don't think
you're a good person. Period. That's what I think we
have in this world, not just in this country, in
this world, we have a serious lack of empathy. Just
(37:30):
now we're looking at I'm looking at stuff. You know,
I follow the news, not on all the major ones,
but I just followed news, and I'm looking at all
these things that's going on in Palestine and the Gaza,
and to see the stuff that's going on over there.
And you have no type of empathy. There is there's
(37:52):
something wrong with you. You are morally deficient. And it doesn't
even have to be something as big as that could
be something like you know what's going on with the
you know, local police in the community relations, or you know,
a homeless person, have some type of empathy. You don't
have to say come out to pocket for everything. But
don't be that woman says, you know, he he or
(38:13):
she asked for a dollar or or fifty cents or whatever.
You know, you yell at him, go get a job,
and all that other type of stuff. You know, don't
be a butthole. Yes I said it, butthole. I know,
Lamb Chopper is going to say, oh, you can't say that,
but yeah, you're a butthole if you say stuff like that.
So you know, I'm gonna I'm gonna end it here
(38:34):
for this episode because this is a pretty deep one
and I want to go into more things. But if
you guys have kids or other adults that you know,
you know that can benefit from what we're saying here
and we're meaning me today, send them, send them to
(38:56):
share the the link, send them to the podcast episode.
You know, I'm reading these things, and I researched these things,
and I always thought I was very responsible an adult.
And when I went through the whole list of things
and throwing some extra things at the last minute, I
was like, you know, I'm really not passing this class,
(39:18):
this adult adulting one on one class. There's a lot
of things that I need to improve on, and there's
nothing wrong with that, you know, But I'm going to
recognize what I need to improve on, and then I'm
going to learn from them. Accountability. I'm not putting on
anybody else. I know that there's things that we don't
do that we should do or even teach the next
(39:44):
generation of how to do it. So with that said,
the next episode, we're going to talk about things to have.
That's not going to be, you know, too long, but
we don't talk about things to have, and I guess
that's it, things that have huh Okay, I guess it
is a long one and that includes, like you know,
(40:08):
documents and records, the financial essentials, that's a big practical
tools and household items, knowledge and resources, knowing how to
get resources home and living essentials. This is the second part,
is gonna be the fun part. But you're gonna recognize
some things that you already do, and you're gonna recognize
some things that you should be doing that you don't.
And hopefully we'll all learn from this and then pass
(40:30):
it on to somebody else. But stay tuned for part
two of this and hopefully you got something out of
it like I did, and like I said, please share, Share, Share.
You know, we have a lot of adulting to do,
and you know I'm recognizing I'm falling short. So hopefully
(40:54):
you know somebody else can learn from this as well.
Thank you for all tuning in. Thank you family for
listening to the latest episode of Hot Topics. As usual, listen, like, Share, Subscribe,
time
You're listening to the Hot Topics Podcast Psycho forty eight one,
Lovely Lady Land Shop and Dobulous Blonius seven. Let's get
into it. Welcome everyone back. We're back, We're back. We're
back to another episode of Hot Topics podcast. Today is
(00:25):
going to be a solo day. We have my coworkers out.
One has been under the weather and the other one
has been tied up during some duties. So it's going
to be me Psycho forty eighty one on this particular
episode solo do loo. Okay. So one of the things
we wanted to speak about now I was hoping we
(00:47):
had a you know, a discussion or people here to
talk about it and get their inputs in it was
adults adulting. Adulting sucks, okay for anybody out there who
you know enjoys being an adult. Yes, we do enjoy
(01:08):
being an adult, you know sometimes, but overall, I think
adulting sucks. So you kids don't know how good you
have it. So we're going to go over some things
that every functioning, responsible adult should know. And a lot
of things are common sense, but some things are not.
And hopefully if any parents are listening, they could relay
(01:31):
this back or have their their child listen to these
things and hopefully get some insight on where they are
in that progress or that progression. Adults included. So what
I did realize is that being a responsible adult is
a lot to it, and there's some shortcomings that I
(01:52):
have when it comes to that, just by going over
some of the things that I was reading and compiling,
you know, for this episode. So we're gonna talk about
that and as basically everything of responsible adults should know,
do have, and accomplish, right, simple as that. And we're
(02:15):
gonna go over some things like, you know again, things
to know, things to do, things to have, things to
accomplish like, uh, we're talking about life skills, uh, legal
and civic knowledge, social and emotional intelligence, which is sounds easy,
but that's one of the more difficult things. We're gonna
talk about daily habitual practices, routine maintenance, relationships in community.
(02:42):
We're gonna talk about financial milestones, things under things to accomplish.
We're gonna talk about personal development and that's a big one.
We're gonna talk about social contributions, which I think everybody
should have, and that's that's undervalued. Uh. Some bonus character
traits to cultivate. We're going to talk about key documents
(03:04):
and records, things that you should have in your possession,
and financial essentials that's about being an adult and functioning
as an adult and preparing to have your own family.
We're going to talk about some practical tools and household items.
Sounds easy, but these are little things that some people
don't think about. And then we're going to go into
(03:26):
knowledge and resources, home and living essentials, transportation essentials because
everybody needs transportation, and then contingency and mobility in case
things happen. Okay, some things you'll hear is going to
(03:46):
be repeated because they're applicable to different topics, so nonetheless,
don't threat So first thing we're gonna talk about is
life skills. And life skills is just basically that those
(04:08):
things that you have, that experience, that know how, that's
basic to life. Right. So Number one basic financial literacy.
That means you need to understand budgeting, savings, debt, credit, taxes,
(04:30):
and interests. Now, this one's interesting because you know people
do no bud budgeting for the most part. That's basically
putting in your income and your expenses and see what
you have left over and making sure you a lot
the appropriate amount of money to those things, and then
you're adding other things like your wants. Always take care
(04:52):
of your needs first, and then hopefully you'll have savings. Now,
the savings part that's self batory. You want to make
sure that you do have a savings for especially for
emergencies or just for the future. Debt that is not
always a bad thing, but there's something that needs to
be controlled because if you don't understand how debt works,
(05:15):
it could work in your favor and it also can
work against you. So you need to know things like that.
And they have classes on financial literacy out there, and
I think what we'll end up doing is every subcategory
that we have, we're going to actually have a different
episode to talk more in depth and bringing some experts
to talk about it. So we'll have somebody come in
(05:36):
and talk about financial literacy that covers all of that.
But but now we're just going to talk about the
general things because it's a lot credit. Most people don't
understand credit. You know how your credit affects many different things,
So you need to learn about credit. You need to
learn you know how a credit score is calculated, the
(05:59):
impact it has. Then there's taxes, the raggedy taxes. Everybody
needs to pay taxes. You're never going to get around
not paying taxes, and taxes is not necessarily a bad thing.
You just need to know how to file and how
to you know, record things so you can actually get
(06:22):
the most out of it. So and then there's interest
that could be from investments, that could be from savings,
which is not a lot, but just understand the interests.
So you want to go into time management, this is
probably one of the most difficult things. You need to
know how to prioritize tasks, very difficult for most, not
(06:45):
for most, but I know for me. You know, set
goals easy, easy to set goals, but maintaining it and
being on that that drive or that you know, ladder
to get to those goals and something else. And then
you have to manage procrastination. That's what the time management
thing is. And there's so many things in that you
can talk about. Procrastination will make your day harder. You
(07:10):
can make your financial goals more difficult. But that's something
that some of us do and I'm one of the
big perpetrators of procrastination. If they had a degree in
and out have a master's and under again under life skills.
You need to know about critical thinking. Now, critical thinking,
(07:34):
there's a lot of people out here, and we always
talk about this on social media. There's a lot of
people out here that see information or see things that's
posted a read here, look at whatever, but they don't
have any critical thinking skills or they don't use critical thinking.
So you need to be able to evaluate whatever information
is out there or that's presented to you. You have
(07:56):
to think independently, and most of all, avoid being scammed, okay,
because that can cost you a lot of money. So
again we're gonna have in depth episodes to talk about
all these different you know points number four. You need
to have basic home and auto maintenance. You need to
(08:18):
know how to do certain things like you know how
to reset a breaker in your home, how to change
your tire, how to stop a leak, how to you know,
change your oil, even though you could pay for it
sometimes you know knowing how to do those little basic
things we'll save you money in the long run, and
you're not always going to be in a position to
(08:39):
do a lot of those things, but it's good to
know how to do certain things. You know, changing the
filter on your air conditioning or your furnace. I think
changing light bulbs, and it sounds simple, but you know,
there there's a reason you need to change a lightbulb
and see what you know, you can select the light
(09:00):
bulb and select something that's not gonna be bright enough
or something that's gonna take up too much of your power.
So if you want to be power conscious, those are
the things you gotta look at. So it's not so
much as easy as it sings for everything. You know,
we're not asking you to, you know, put up a
dry wall or anything like that, but just know some
(09:20):
basic repair stuff like using spackling to patch up a hole.
That's easy. You know, you can a lot of this
stuff you can get off of YouTube. But you want
to have some type of basic home and auto maintenance
know how. And then which is this is big for me,
(09:41):
emergency preparedness. When emergencies happen, and emergencies could be anything,
you gotta know how to call emergency service. You should
know how to administer basic first aid and that could
be like having a deep cut or somebody with a
broken bone or something along those lines. First aid. You
want to you know, it's good to know some type
of CPR because that could be the difference between life
(10:04):
and death, between you know, a loved one and what
to do. How to respond to a fire if you
have a fire in your home. You know, I'm not
talking about where the whole house is engulfed in flames.
I'm talking like if there's a kitchen fire or fire
that started in one of the rooms, or maybe the
kids were playing with matches, how to address those, What
(10:26):
to do when you have storms and you know, but
at these storms and heavy rain, and make sure that
you're you're outside, gutters are clear, make sure that the
sump pump is working because that might bring a lot
of rain and you don't want to back up and
stuff in your basement. And then what do you do
(10:47):
during power outages? So those are basic things that you
need to know. That's, you know, life skills. So the
other part that you need to know legal and civic knowledge.
And this kind of burns me up sometimes too when
you talk to somebody and they don't know certain things.
(11:07):
I'm not saying you have to be a lawyer, but
certain things you need to know to be a functioning adult,
a responsible adult. You got to know some of your
rights and responsibilities. You know, if you have a job,
know you're some employment law, so you know they can't
work you one hundred and twenty hours a week and
not compensate you with over time or whatever it is.
(11:29):
You need to know that if you're employed, if you're
renting a home or an apartment, you should know what
your tenant rights are, what the landlord can and cannot do,
not just that what your rights are or your responsibilities
are as a tenant, So you just can't know what
(11:49):
their rights are or your rights are. You gotta know
what your responsibilities are. You need to know about legal protections.
And that's when it comes out to not you know,
knowing your writes as a as it pertains to law
or law enforcement or even consumer law. You know, can
you return items or you know, if you buy a card,
(12:11):
you know how long do you get to return it
for a refund? Things like that. So I won't go
too deep in it again because you know, there's things
you need to learn in depth. And this would be
like a probably a six hour podcast episode that we
went into death depth with all of these. So a
person would need to know how government works. How the
(12:33):
healthcare system work. You know, not just your local government,
but you need to know how state and federal things
are structured. One thing used to irritate me is when
people get so bent out of shape because the state
delegate didn't get the sidewalks you know, done, or the
councilmen didn't change the law, or didn't bring in a
(12:58):
business to the area. But you have to know what
their responsibilities are, what their rights are, what can they do.
You'll get mad at the councilman for something that is
out of his control, out of his power, out of
his jurisdiction. The same thing with the state delegate or
state senator. You know. That's why that's important. And then
obviously once you know how that works, then you can
(13:19):
probably be a better informed voter or get in law,
get in get involved with the legal process to how
to change things or how to make your voice known,
not just on voting day. You need to know how
to vote. You go on an election day, where do
(13:40):
you want to go, not where you want to go,
where you need to go, what things you need to bring,
what things you cannot bring? Those important things. And then
health insurance, how does health insurance work? You need to
know what you're allowed to claim or what you're what
(14:00):
you're able to get paid by an insurance, but about deductibles,
all the all things like that. I mean, these are
these are pretty basic things. And then when you go
unto under maybe it needs a war. But you need
to go into social and emotional intelligence. Now this is
(14:20):
the ambiguous thing, right because sometimes I think, like, okay,
having social and emotional intelligence that's worked a lot of
people throughout, but they don't really understand it. But basically
that's going to be a whole whole episode in itself.
But you need to know how to handle conflict resolution
and along with that have some type of communication skills
(14:45):
that's super duper important. That could be the difference between
you living a crazy life, you know, having stress at home,
not getting along with your your neighbors, or even having
issues at the job place. You need to know how
that's done and how to do it effectively. And then
you need to know about this is more on the
(15:08):
social I guess intelligence, But when you talk about boundaries
and consent, that's both you need to know what your
boundaries are and how to express it, and you also
need to know about consent especially in the social avenue.
You know that can get you in trouble once you
if you don't know the difference between consent or where
(15:31):
a normal person's boundaries are, or if somebody states what
their boundaries are and you violate it. So you need
to know what those are and when not to cross them.
And lastly, how to recognize toxic behavior. And that's not
just in other people, that's in yourself too. You will
(15:51):
grow better as a person once you start learning what
toxic behavior is and if you have it, and if
your friends have it or your you know, your partners
or whatever, it'll make a world of difference. So that
wasn't too much. But there's three things under things you
need to know life skills, legal civic knowledge, and then
(16:14):
social emotional intelligence. Easy enough, right, not so much? Then?
Now what every adult needs to do. This is going
to be a big one, and like I said, you're
not going to know all of them, but there's things
that you should know. So let's go into that one
(16:39):
daily in habitual practices. What do you need to do
time and time? Again? Number one, pay bills on time
and manage your money responsibly. Don't be impulsive with everything.
Knowing that if you get this five hundred dollars handbag
(17:00):
to be short on the rent. Okay, that's something that
you need to factor in to maintain hygiene in a
reasonably clean living environment. That's good for your mental health
and it's also good for your physical health. And Three
keep medical legal in text documents organized and accessible. Why
(17:24):
is that important Because when it's time to file or
time to check information, you want to be able to
have that readily accessible for you to use or to
you know, check if you need to, you know, if
you come up with a conflict of some sort. Four,
(17:44):
you need to take care of your physical and mental
health pro actively. Get that word proactively. That means don't
wait till you're ready to fall apart and you're in
your deathbed to you know, stop smoking and mental health
as well. This is gonna be big for some people.
(18:05):
Don't want to. They think you're a week if you
go get some type of counseling or therapy. You know,
at some point all of us needed at some point
or another, and you need to take care of your
mental health. That can affect everything as well. I can
tell you've been through that too. Now. Routine maintenance these
(18:27):
are things that you need to have, and I'm talking
about your your home, your car, and yourself. You have
to have know how and you need to be able
to handle your routine maintenance. So that includes having and
your health check up. And that means so some things
(18:49):
you know, you can keep in a diary or a
journal to keep up with, like say if you had
headaches on this particular date, or you know you was
dizzy on this particular date. But because that all matters.
So when you finally get that doctor appointment and they'll
ask you, did you have any of these and you
won't remember, So keep those things in a little book
(19:11):
or in your phone or whatever. But you should have
at least once a year an annual physical and also teeth.
Believe it or not, when you have issues with your teeth,
it can affect your your life actually because your well being,
and it can actually cause you your life. So you
(19:31):
should go to the dentist at least. I'm gonna say,
I believe it's twice a year to get your checkups,
cleaning if needed, you know, they'll tell you. And I
think most people who have insurance, when you have a
regular dentist, they'll usually After you have your your service,
they'll schedule for your next one. So you want to
(19:54):
make sure you keep on that. Car maintenance is important.
It's important because that it can cost you more money
and it can also cost you your safety if you don't,
you know, keep up with that. So that means regular
oil changes, tire rotations, getting your fluids checked, things like that.
And if you have any lights on on your dashboard,
(20:17):
does blinking the check engine check this or whatever lights out?
That's important. One. You don't want to be pulled over
about the police. Secondly, you don't want to get to
a situation where you know you really need it. Example,
you know you had that headlight out, you had one
light out, but the other one worked, so you kept
on going and all of a sudden you're on this
trip and the other light goes out. What are you
(20:40):
gonna do? You're not gonna be able to drive at
night with any headlights on. The police won't let you
and as a safety hazard. So keep up with your
car maintenance. Now for home maintenance, it might be a
little bit more complicated because you got to make sure
that you check your your smoke detectors, your carbon dioxide detectors.
(21:00):
Check your your some pump to make sure that's working.
You want to check your gutters because that can keep
your keep it from flooding. Make sure it's not clogged
with leaves and stuff like that. And you want to
make sure you change your filters whatever filters. Could be
a portable air conditioning it could be the furnace filter,
(21:21):
it could be cleaning the events from your from your
air conditioning and heating. You want to make sure that's
that's good. Could be changing batteries in the door locks. Yeah,
things like that. So then lastly for things that every
(21:45):
responsible adults should do, relationships and community. And this is
something that I'm not really good at. So that's my
little shortcoming. To check in with friends and family periodically.
Now it makes a difference because you never know what
somebody's going through, and you know, you check it in
(22:08):
on somebody might make the difference between life and death. Okay,
we're back. I had to take a little break here
with family business. But yeah, so getting back into relationships
and communities said, checking with friends and family periodically. You
never know what impact you'll have on their day, and
(22:29):
you always want to check on them just to make
sure they're okay, So as hard as that might be
for some people, try to do it. Next, know your neighbors,
you know, participate in local community events like community meetings
if you can. And the importance of that is once
(22:51):
you attend these community meetings, there's a lot of information
that's put out there. You know what's going on in
the community, things that will affect to you, whether it
be you know, something that's moving to your area, some
issues that they have with construction or you know, the
water pipes, whatever it is. They usually have guest speakers
(23:14):
come in and talk about certain things, and that's how
you stay informed, which is very important, very very important.
You know, they might have community events that's coming up
that you might want to, you know, make some money
off of or participate in some sort of way, but
it's very very important that you have some type of
(23:36):
community involvement. And knowing your neighbors also is a good
way of protecting your home as well, because they all
notice things about you and you notice things about them,
and you can call them when things just don't seem right. Thirdly,
help others when you're able and ask for help when needed.
(23:57):
That's huge. Neighbors help neighbors, friends help friends, family help family.
That's what you have in a community. So don't be
hesitant to ask for help. I know some of us,
myself included, we don't like to ask for help. But
you ask for help, they ask for help, and you
(24:18):
know you can build a good relationship with that because
everybody needs help at one point or another. Nobody does
it on their own. And we got to go into
things to accomplish. This is a big one because everybody
has something they want to accomplish in life. But these
(24:39):
are basic things that are responsible adult. So one financial milestones.
You have to have some type of financial milestone, and
that means that means build and maintain an emergency fund.
It might be difficult, there's always been difficult for me,
but building and maintain an emergency fund, and basically you
(25:04):
want to keep three to six months of expenses if
you can. What that means is if something was to happen,
loss of job, layoff, pandemic, you want to be able
to at least maintain your household or yourself for at
least three to six months and hopefully you know things
(25:24):
will resolve itself by then. Number two, be able to
file your own taxes or if you don't know how
to do that, nowhere to get help. And that's tax Act.
You can do it on your software HNR block whatever.
Just then there's plenty of tax preparers all over the place.
(25:46):
So be able to file your own taxes and then
nowhere to get help. Three. Pay off high interest debt.
That is a huge financial milestone. If you could do that,
you'll be sitting pretty things. You'll be able to afford more,
(26:08):
you know, those little things that you could trying to
save up for it. It seems to be more possible
now and nothing drags you down than having some high
interest debt. So have that accomplished. One of those Save
for retirement. So that means if you're in a job
and if you have an opportunity get a four one
(26:30):
k or put money into the four one K or
ira or something along those lines. You should always have
something for retirement. Don't think for today, think for tomorrow.
Maintain good credit that will save you money in the
end and allow you to get the things that you
(26:51):
may not be able to get. Credit is a lot,
I mean, we don't put enough into credit, especially when
you're young. Need to teach kids about credit early, and
again we'll have something specifically or critic because that's very
important and going into personal development. Now, everything might not
apply to you, but most of them should. Number one
(27:15):
would be live independently. That means financially and practically. Get
out your mom's basement. Mom's okay unless you're there to
help mom out. Get out on your own. Don't always
look for a roommate. Be out on your own. Know
(27:35):
how to handle things on your own, because one day,
whether you've never experienced it before, you may be out
on your own and you don't want to be lost
in the sauce. Learn the second language. This is personal
to about me. You don't have to, but it's good
to learn a second language, even if you're not gonna
be fluiding it. Learn a little bit of everything if
you can, you know, learn the technical skill or trade.
(28:00):
Electricians a little bit of carpentry, you could. They have
classes sometimes they used to do things at the home depot.
I'm not sure if they do it now, but they
used to have classes on how to do certain things
like tiling or drywalling or something along those lines. But
learn the trade. That always adds value to yourself, and
then you think about things like the Walking Dead. You know,
(28:23):
if you had to take ten people with you, you
can only save ten people who you want to take.
I'm want to take the person who know how to
you know, build something or you know, hook an electrical
circuit up or plumbing something along those lines. You have
to have some type of skill, and that's just good
to have, even if it's not for that you know,
TV type reason, but just to make your life a
(28:45):
little bit easier. This is something that's underrated guys, especially
be able to cook. When I say cook, I mean
not just put something in the microwave like one of
them frozen dinners and stuff like that. Know how to cook,
know how to actually plan and put together a basic
(29:09):
healthy meal from scratch. Now to make a salad. Know
about nutrition, what makes things healthy. And there's a certain
group of people, a certain demographic that you know, we
we don't eat healthy from the time we're young. So
(29:29):
learn to make a healthy meal. You know, you don't
have to. I'm not saying you have to be a chef,
but just learn how to put that. I told my
nephews this back when they were when they were little,
so I was, you know, back when I was dating.
I said, hey, you know, when you guys get up
to dating, you know, you can't keep always going out
taking a woman out and you know, going to the
movies and dinner and this and that, because it'll drain
your pockets. Blah blah blah. So you know, I told him, said,
(29:52):
you know, we put together a meal so you can
get you a roast chicken. Then they don't make it
really easy because you can go to Costco and get
through one of those you know rotisserie chickens. Wh great
for like four dollars, nice size, get you a bag.
But potatoes. Make some mashed potatoes from scratch, some string
beans or sparagus, whatever it is. Put it together nice balance,
(30:13):
healthy meal and it's going to you know, be easy
in your pockets, and it's not going to you know,
send you to the doctor. So that's very important. Travel
alone once in your life. And I'm not talking about
doing the risky stuff like say you're going overseas or
(30:34):
you're going to a certain place and something happens, there's
nobody to check up on you. That's something I'm not
you know, I'm not four it. But when I say
travel alone, if that means go to the supermarket and
go to a movie. Things like that, you know, or
if you're talking to those people that's still living with
mom and dad or grandma, you know, live you got
(30:57):
to live away from home. You got to know how
to understand the world in yourself. That's important. Get out
of your own neighborhood. I learned that when I got
to this particular city and I realized it's people that
have never not moved out of the city, not traveled
out of the city. They have not ventured outside their
own neighborhood. Get out. See how other people are doing it,
(31:19):
See how other people are living. Open, expand your horizons.
That is so undervalued, you know. And a lot of
us have been you know, fortunate enough to serve in
the military or whatever that took us to different places
than we traveled. So we got to see those things.
We got to see and meet people that did things differently,
you know, give us a different perspective. Learn, let us
(31:40):
learn to compare and you know, use the best practices.
So that is very undervalued. Get out of your neighborhood. Now,
social contributions, these are some things you need you want
to accomplish that I recommend volunteer at least once in
your adult life. Give back, even if it's a clothing drive.
(32:06):
You know they sometimes have the hat and glove drive,
cote drive, food drive, anything along those lines. You will
feel better about yourself. And it's always good to give
back because you never know when you might need that
same helping hand one time in your life. Volunteer, volunteer
at the senior center. Something give up yourself. Vote, and
(32:30):
I'm talking about and this is something. Vote. If you
don't vote, you don't have the opportunity to voice what
you want. If you don't vote, you can't complain. And
I'm talking about voting in local elections, state elections, federal elections,
(32:52):
including the mid terms. Now this is where you guys
really mess up, because I'm saying I always vote. We
vote in the federal elections, like the presidential election because
we might be passionate about that, and then come mid
term elections, which is the next two years, we don't vote,
We don't turn out, and then the person that we
(33:14):
wanted to win in the federal elections is handicapped because
we didn't vote for the appropriate congressman or governor or
what have you. You those things matter. You can't just
vote in one election and think that's all you need
to do. No, you got to vote in all of
them and make a conscious vote. Don't just vote because
(33:38):
somebody you know laughs the wrong way, or somebody wears
a pants suit, or somebody you know don't have a
good haircut. You know, be knowledge about certain things. Attend
you're talking about volunteer. Attend some community meetings or civic
meetings or even political rallies. Hear what they got to say.
(34:04):
See what type of people are going to these rallies.
So you want to do that. It's going to make
you a better person and a more educated voter, a
mentor or support someone else, especially when it comes to
the kids that you know, some generations just drop the
ball and we just you know, left the kids out
(34:25):
there to fend for themselves. If you have the ability,
if you have the time, go ahead and mentor somebody.
It could be even a coworker or a younger person.
You know, they call you unk you're qualified, but they
call you og, you're qualified. Mentor somebody pass on some
of that knowledge that you had to them. You'll appreciate
(34:48):
it because that knowledge won't disappear, you pass that knowledge
onto them. Guess what, when you get older and you
want decent people around you, you can feel satisfied that
you passed information, that that knowledge from you to somebody else,
and they hopefully would pass it on to somebody else.
And it doesn't even have to be generation. The generation
will be peer to peer accomplishments. Again, here's some character
(35:16):
traits to cultivate. These are accomplishments, and these are these
are probably one of the harder things to do because
one we had to recognize it in ourselves, own your
own up to your mistakes and learn from them. That's
that's called accountability. One of the things that you know,
my Marvel fan, one of the things that we always
(35:36):
hear is that how Tony Starks always learned from his mistakes.
And you followed the uh what's it called, the the
uh the one with the gauntlet, whatever it's called. But anyway,
the war the infinity, infinity wars, right, you know, anytime
he's defeated, he always learns from his mistakes, always and
(35:59):
rectifizes him. So try to do that. But you have
to recognize your mistakes. You have to, you know, swallow
your pride and say, you know what, I messed up.
I did this wrong, I did that wrong, I thought
this wrong, I jumped a gun on that. Let me rethink, retold,
and you know, be a better person. Discipline You got
to stick to habits and commitments even when it's hard, hard,
(36:24):
very hard. That means I'm gonna give you a personal
on sugar. If I say, you know what, I'm gonna
cut back my sugar, I'm gonna cut it almost down there,
almost nothing, because you can't just completely cut it out
because everything in this USA has sugar in it. So
you need to have that discipline. You'll feel better once
you see the results that your desired results, you'll feel better.
(36:49):
And if you don't have discipline, you always will have
that little thing in the back of head that makes
you feel bad. So those are things that you want
to kind of build. Appreciate it as well. Empathy that's
the third one. Empathy. Try to understand other people's experiences.
(37:09):
Put yourself in their shoes. Nothing worse that I hate
when somebody does not have any empathy for other people.
That really irks me. If you don't, I don't think
you're a good person. Period. That's what I think we
have in this world, not just in this country, in
this world, we have a serious lack of empathy. Just
(37:30):
now we're looking at I'm looking at stuff. You know,
I follow the news, not on all the major ones,
but I just followed news, and I'm looking at all
these things that's going on in Palestine and the Gaza,
and to see the stuff that's going on over there.
And you have no type of empathy. There is there's
(37:52):
something wrong with you. You are morally deficient. And it doesn't
even have to be something as big as that could
be something like you know what's going on with the
you know, local police in the community relations, or you know,
a homeless person, have some type of empathy. You don't
have to say come out to pocket for everything. But
don't be that woman says, you know, he he or
(38:13):
she asked for a dollar or or fifty cents or whatever.
You know, you yell at him, go get a job,
and all that other type of stuff. You know, don't
be a butthole. Yes I said it, butthole. I know,
Lamb Chopper is going to say, oh, you can't say that,
but yeah, you're a butthole if you say stuff like that.
So you know, I'm gonna I'm gonna end it here
(38:34):
for this episode because this is a pretty deep one
and I want to go into more things. But if
you guys have kids or other adults that you know,
you know that can benefit from what we're saying here
and we're meaning me today, send them, send them to
(38:56):
share the the link, send them to the podcast episode.
You know, I'm reading these things, and I researched these things,
and I always thought I was very responsible an adult.
And when I went through the whole list of things
and throwing some extra things at the last minute, I
was like, you know, I'm really not passing this class,
(39:18):
this adult adulting one on one class. There's a lot
of things that I need to improve on, and there's
nothing wrong with that, you know, But I'm going to
recognize what I need to improve on, and then I'm
going to learn from them. Accountability. I'm not putting on
anybody else. I know that there's things that we don't
do that we should do or even teach the next
(39:44):
generation of how to do it. So with that said,
the next episode, we're going to talk about things to have.
That's not going to be, you know, too long, but
we don't talk about things to have, and I guess
that's it, things that have huh Okay, I guess it
is a long one and that includes, like you know,
(40:08):
documents and records, the financial essentials, that's a big practical
tools and household items, knowledge and resources, knowing how to
get resources home and living essentials. This is the second part,
is gonna be the fun part. But you're gonna recognize
some things that you already do, and you're gonna recognize
some things that you should be doing that you don't.
And hopefully we'll all learn from this and then pass
(40:30):
it on to somebody else. But stay tuned for part
two of this and hopefully you got something out of
it like I did, and like I said, please share, Share, Share.
You know, we have a lot of adulting to do,
and you know I'm recognizing I'm falling short. So hopefully
(40:54):
you know somebody else can learn from this as well.
Thank you for all tuning in. Thank you family for
listening to the latest episode of Hot Topics. As usual, listen, like, Share, Subscribe,
time
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