Financial Challenges that Millennials Face Today

Young people depend on their parents to plan their finances. Once they graduate from college is when they become aware that they are responsible for their funds. Below are some financial hurdles that you need to master to manage your finances responsibly.


Inadequate financial literacy

Managing finances is not an inborn skill but can be learnt like arithmetic, reading or writing. Financial experts like Chris Linkas advise that the young generation should receive education on issues to deal with budgeting, clearing bills on time, saving and planning for retirement.


Clearing student loans

According to statistics, over half of graduate students take loans to finance their education leaving behind a hefty debt to pay. In the long, run, the accumulated debt leaves them with limited financial options. Paying these loans in time provides room for attending to other financial obligations comfortably.


Investing and taking risks

Recent economic performance has made young people reluctant to invest in financial consumer markets, like the stock market. You ought to consider the long-term benefits. Contrary to recent years, the stock market has improved. Investing early means you amass wealth through such investments.


Overcoming worn-out paths

Another challenge is overcoming the pressure that society throws at you according to Linkas. Often, the young are advised on following outdated saving plans. Most young people think over their choices. A lot of them marry later in life and have kids at a later age.

Most of them prefer renting, so they are flexible to move when they leave their jobs, starting their companies to be their own bosses, or go on a vacation.


About Christopher Linkas

He is the European Head of credit in a UK-based financial firm. Chris Linkas is also the head of a 20-person team (European Credit Group) that creates opportunities for principal businesses within the UK-Euro area that comprises UK, Benelux, Spain, Germany, France, Scandinavia, Greece, Italy, and Ireland. The major investment areas include, real estate, renewables, lease properties, secondary LP interests among others.

Even with a higher experience than many investors, Mr. Linkas never ceases to learn. He encourages investors to always research and learn. Investing is a gradual process that requires time and research. He empowers young investors to discover strategies that work for them.

A Tax Free Investment Option

There is always the need for investors to make the right decisions for financial security. Sometimes it makes the most sense to take advantage of the stock exchange, placing earned income and retirement savings into aggressive accounts in order to turn a profit when the market sees a bubble. Investment options are usually fairly expansive, with a multitude of different options to take advantage of. When it comes to employee benefits and investment there is little choice in what avenues you can take. Would it make more sense to invest in a 403b or 401k account to put away money from the future? Not many average Americans know much about how these accounts normally work, but there are common fees attached to these accounts beyond taxes taken out. This means that you are paying for the ability to invest beyond what the government takes, and these occur before the money event hits the account you set up. In order to try and form a more secure and cost effective investment option, Matt Badiali has created an ingenious investment idea that he has affectionately called freedom checks. Read more at Agora News about Freedom Checks.

The freedom check is not a new idea. It was originally created a while ago as an investment option that takes advantage of Statute 26-F, which allows a company that issues the checks to operate tax free. Freedom checks benefit allows them to remove additional spending and fees for the distribution of these forms of investment, which is great news for company employees who will see more money in their investment accounts as a result. Investors can take advantage of freedom checks if their company of choice is involved in the gasoline or oil industry and as long as they accept freedom checks as a form of monetary tender. Read this article at

There are already hundreds of companies who are taking advantage of freedom checks, with hundreds of thousands of dollars in investment payouts being issued. Since freedom checks do not count as social security or Medicaid checks they are not seen as a federal option for payment purposes and do not need to follow the same guidelines as other investment choices. More money in the pockets of investors means happier American citizens and more people who can look forward to prosperous retirement potential. It is currently not known how far the freedom check will go. Its future lies in the same area as cryptocurrencies.


Richard Dwayne Blair Financial Planning Solutions

For many people, their finances are a source of stress. Few people are actively investing for the future. Numerous people struggle with high levels of debt.

Richard Dwayne Blair is a financial planner who has designed a plan to help anyone improve their finances. During his career, he has helped thousands of people with financial issues. He focuses on changing small habits that can make a huge difference over time.


Budgeting is critical to financial success. Some people do not track their spending each month. These people have high levels of debt. With a strong economy, some people feel comfortable taking on additional debt. Credit card debt has increased over the past few years.

Budgeting allows people to focus on key areas of spending. By making a few lifestyle adjustments, most people can improve their financial position quickly.


Investing is essential for people who want to retire. Few people are actively investing in the stock market. There are even some people who do not take advantage of their 401(k) through their employer.

Investing in the stock market is the simplest way to get started. However, real estate is also a solid asset class for people who want to increase their income. Richard Dwayne Blair owns several real estate properties that he rents to tenants.


Richard Dwayne Blair also believes that people should donate their time and money to the local community. Giving is a great way to make a positive impact on the world. Richard Dwayne Blair enjoys working with local charities on various projects. He is passionate about helping children with educational needs.

Richard Dwayne Blair is excited about the future of his business. Not only is his customer base expanding, but he is adding additional locations throughout the country.