The Artful Codger

In the past ten or so years, I've been a regular attendee at what would be considered 'artistic' community events.  Specifically, these events include attending traveling Broadway shows in Des Moines, and the annual Des Moines city arts festival.

Prior to the past decade, my interest in the fine arts was mostly limited to excessively complimenting my kids on their mandatory elementary school art projects.  If you go back far enough, you might also include watching MTV -- you know, back when it was still a music video channel and not whatever it's trying to be today.

These days, however, I've become at least a little bit more interested.  I've seen dozens of live stage performances, mostly Broadway musicals, and I'd say at least half of them were quite entertaining.  I'm more drawn to the contemporary, adapted musicals than to the old-school classics, which are almost entirely singing and dancing.  I even watched some of the Tony Awards on TV this year -- yikes.

As for the Des Moines Arts Festival, it's a way to be open-minded about people who do creative things, be it painting, photography, sculpture, or music.  Every year, I run across something that I think would be a cool conversation piece, or something with vibrant colors that must stimulate the right side of my brain.  Also every year, I wonder about how these poor artists are able to charge hundreds or even thousands of dollars for something will zero utility value, which is why I'm only a viewer and not a customer.

No one would say that I've become an aficionado of the fine arts.  Far from it.  I can't think of anything I'd rather do less with my leisure time than go to a ballet, or listen to a symphony orchestra.  Plus, I do think too much public money is channeled to the arts, when it could be better served to help human suffering.  (Those able to spend hundreds or thousands of dollars a year on show tickets or artwork can surely fund the arts privately.)

That said, I can also say I’ve matured enough to appreciate artistic talent and output.

Dear Graduating Class of 2019

It's time to give some more life advice to the early-twenty-somethings out there with brand new college diplomas.....

To the graduates of 2019:

It's probably difficult for you to go a day without seeing a news story about the crushing amount of college debt that most of you now have.  I can think of two exceptions to this: Some of you were lucky enough to have had your college paid for you by a parent or other family member or scholarship, while some others simply never read the news.

For many of you -- not all, but many -- there's a good chance that the main reason for this debt is you.  You probably could have studied harder in high school, creating a better chance for scholarships.  You probably could have studied harder in college, and completed it sooner.

Try not to ponder why you have this debt.  Your generation isn't about to blame yourselves for your own (in)actions anyway.  Better to focus on how to eliminate it.  I'm here to help.

1)  Get a job and start making money.  Any job.  No waiting for the job you want.  Listen to my (stolen) old saying:  If you wait to take the job you love, you'll never work a day in your life, because you are never getting that job.

2)  Work hard, and keep working hard.  Find a way to be indispensable, and you'll be fine.

3)  Stop spending money you don't have.  This may be a hard habit to break, because it's essentially what you've been doing throughout college to create the debt you have.  The living-on-credit monster doesn't need to be fed, it needs to be starved.

4)  Don't worry about saving for retirement now.  There are financial advisors out there who will try to convince you that saving now means you won't have to save as much later, which is true.  But it's also stupid, because eliminating high-interest debt is more important, and gives you more bang for the buck.  Also, let this be your first lesson that advisors mostly only care about giving advice that makes money for themselves.

5)  Repeat.

That's it!  You'll have your college debt paid off in no time, and have learned good life-long habits.  Of course, one alternative to all of this is to move back in with your parents.  Don't do it.