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Hart of Learning
16.1K posts
Hart of Learning
@HartofLearning
Teacher, Thinker, Life long learner. Interested in effective & efficient learning & teaching for humans and machines. Live long and learn lots.
Tham gia Temmuz 2013
4.6K Đang theo dõi1.6K Người theo dõi
@Budgetdog_ The only college I am recommending at this point is @WGU - their degrees are in fields that are in demand and their tuition is affordable.
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I highly doubt our kids go to the “college” we know today
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@The_Money_Buddy Pay off the debt.
It's like immediate interest earned.
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My friend is 38.
He has:
• $220k in his 401k
• $15k in savings
• $12k in credit card debt
He still carries a balance every month.
Investing… but drowning in interest.
What would you tell him?
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@VinceBoley @grok Start with three books not in the picture:
-Teach Like a Champion 2.0 by @Doug_Lemov
-How Learning Happens by @P_A_Kirschner @C_Hendrick
- How Teaching Happens
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Hey @grok I know we should obviously read them all, but which book from below do you believe is the best for a teacher to read first?
researchED US@researchED_US
So many great books...so many great speakers! Come join us May 2 in New York City...
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@KurtSupeCPA I'm really enjoying your posts about retirement planning, etc.
I'm 48, love my job (this year, but not last year), so lots of work in my future. I like how personal the situations you share are. If there are tricky retirement questions I see on Facebook, I tell my your name.
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Client was a VP at a large company.
62 years old. Was going to work until 65.
January: called into HR.
Severance package. Sign by Friday.
He called me that afternoon.
"I think I just got retired."
No transition. No goodbye lunch. No plan.
His whole identity was that job.
His social life was those people.
His purpose showed up every morning at 7:45am.
The money was fine. We figured out the money in two meetings.
The identity took a few years.
He told me recently: "The hardest part wasn't losing the job. It was realizing I'd built my whole life inside someone else's building."
Retirement that happens to you hits completely differently than retirement you choose.
Millions of people in their 60s are navigating this right now and nobody is talking about it.
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PRO TIP: Let your kids pick books from a curated selection of exceptional literature
Libraries used to do this for you... but they aren't what they used to be
My kids picked books from @educatedandfree 's list (link below)
Watership Down, The Incredible Journey, All Creatures Great & Small, National Velvet - all headed our way
There are truly incredible books out there! Let your kids read greatness♥️
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@MarketPalmer_ True. I took economics in highschool- required course.
I learned more in the non-required financial planning course I took at the community college on a lark.
It was taught by an older guy who was teaching it as a side gig to benefit from 403b & 457. I learned a ton from him.
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If schools are teaching us:
– Cursive
– Calculus
– Bunsen burners
– How to dissect a frog
They should be teaching personal finance as well.
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We’ve fought for more than a decade to bring back 8th grade algebra for kids who are ready & interested. We’re finally on the verge, but the school district’s new proposal creates a significant barrier — requiring kids who want to take algebra in 8th grade to also take regular 8th grade math.
Kids shouldn’t be required to take two math classes, which will simply force them to give up an elective. The district should avoid this barrier & let 8th graders choose to take algebra as their sole math class.
GrowSF@GrowSF
🚨 We need you to take action 🚨 We fought to bring back 8th grade algebra. SFUSD’s proposed version forces kids to give up an elective to take it. That’s not real access. Send an email and demand real flexibility and advancement options growsf.org/advocacy/8th-g…
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@FixingEducation PBIS, MTSS, Restorative Justice. Behavior gets worse.
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Common Outcomes of PBIS in Schools:
•Students behave for rewards, not internal motivation. “What do I get if I behave?” becomes common.
•Chronic disruptors stay in class, impacting everyone else.
•Teacher exhaustion from tracking behavior, rewards, data, and meetings.
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Couple comes in for their annual review.
$2.8 million. Well invested. Solid Pension. Completely on track.
I ask the question I ask everyone.
"How is your daughter doing?"
Mom's face changed first.
Their daughter is 39. Hasn't asked for anything. Never complained.
But she's been in the same apartment for six years.
Daycare alone is $1,800 a month. Down payment feels impossible.
Dad said "we always figured she'd get it eventually."
I pulled up a simple chart.
Statistically they live to 88. She inherits at 56. Maybe 60.
At 60 her own retirement is eight years away.
The money that could change everything at 39 arrives when her finish line is already close.
Neither of them had ever seen it framed that way.
The annual gift exclusion is $19,000 per parent per child.
They can move $38,000 a year to her. No gift tax. No estate implications.
Over ten years that's $380,000 transferred while they're healthy enough to watch it matter.
Dad looked at his wife.
"Why are we waiting?"
Most families leave everything at death because nobody showed them the math of giving it while they're alive.
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@VinceBoley UFLI is great, but I personally like @ReadSimplified even more since students can progress faster.
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I am looking to research and do a deep dive into UFLI--I'm hearing great things, and I wanna see what it's all about.
Can anyone point me in the right direction of where I should start?
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Do you think it's possible to go from broke at age 40 to saving/investing enough to retire by age 50? It's definitely possible, all you have to do is save/invest 66% of your earnings
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@jonbrooks 2008 bailout.
Pre bailout, we saw prices skyrocketing. If there wasn't a bailout, there would've been a crash.
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If housing prices had simply followed income growth since 1970, the average home today would be $138,000.
So… what actually broke?
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@esanzi Also, legislatures need to role back some laws regarding student behavior that were passed in the last decade (at least in WA). We used to be able to give after school detention without being required to provide transportation. That made the parents responsible too.
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If behavior is the #1 reason teachers want to leave the profession, parents must ask themselves what part of that is on them?
Can't bang the table for parental rights and then take no responsibility for student behavior.
Plenty of kids behave well. But too many do not.
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People are divided on this.
A restaurant automatically added a 25% tip to every dinner bill.
The owner says it guarantees fair pay for servers.
Some customers say tipping should always be optional.
Should restaurants be allowed to add automatic tips?
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@HippyMomPhD The hormones make it hard to teach/learn. It would be a great time to try out tradecraft.
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By far the biggest "waste of time" in school, is 6-8th grade. I'm shocked at how little is accomplished during those years.
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