FINANCES IN 60 SECONDS
They say money makes the world go round — so, then, why are so many people financially illiterate? According to a study that examined 150,000 people across 140 countries, only 57% of Americans were financially literate as of 2015. Other studies, like those done recently by the National Financial Educators Council, have found that only 16% of Americans ages 18–26 are hopeful about their financial future.
However, there is a caveat to those relying on TikTok for financial advice: Don’t. While the good influencers creating the videos do offer sound advice worth considering, there are plenty of uninformed “experts” that spout bad advice. Plus, the short length allowed on each video means video creators have to boil down complex market advice into short sound bites. The bottom line is that TikTok personal finance accounts are great introductions to financial literacy, but they cannot replace expert advice and information. If you want to check it out or offer the Gen Z in your life some quick finance tips, check out these well-established influencers. Humphrey Yang — @humphreytalks Yang is verified by TikTok, which means he’s been authenticated as an online public figure, and he’s amassed more than 21.8 million likes. His advice ranges from breaking down the latest trends in the market to
highlighting common financial ideas in simple terms.
Rahul Rai — @thelaymaninvestor Any investment advice should always be properly vetted, so Rai’s videos feature him performing “duets” with other personal finance accounts to critique or promote their advice. Delyanne Barros — @delyannethemoneycoach Pulling from her personal experience and candidly sharing her best practices, Barros has amassed nearly 173,000 followers and offers insights into how the market works. Barros’ goal is to retire by 45, and followers can watch along as she pursues that dream.
TikTok influencers are hoping to change that.
TikTok was launched in 2016 and slowly grew before booming in 2019 and becoming a household staple in 2020. Personal finance experts, like advisors, teachers, and economists, saw an opportunity amid the dance crazes and lip-syncing. Today, personal finance TikTok creators are becoming increasingly popular on the app and offer quick tips about common financial mistakes, saving for retirement, and understanding weird market trends, like the insanity with GameStop, Reddit, and the stock market in January 2021.
WHEN IS IT TIME TO GO TO THE DENTIST?
“When do I need to go to the dentist?” We hear this question all the time, and now we have a question for you: What would your answer be? Just go right ahead. We’ll wait. What did you come up with? Common answers might be: “When your teeth hurt,” “If you can see discoloration or staining,” or “If you notice your crowns are wearing thin.” All of these are good answers, but it’s actually a trick question. Ideally, going to the dentist isn’t about addressing a current problem at all. It’s like having the oil changed in your car; It’s a routine trip you make twice a year to avoid more serious problems (like the ones discussed above, for example). That isn’t to say that, if you’re experiencing acute pain in your tooth, gum, or jaw, you should wait for your next scheduled appointment to come in for
treatment. After all, you wouldn’t wreck your ride and then wait three months to get it looked at during your next oil change, right? But those simple, regular appointments are the baseline for good dental care. We know that for many patients, this presents challenges. Not everyone can afford to be seen twice — or even once — each year. Similarly, if you haven’t been seen in years, you may need more work than we can do in a routine cleaning. We do everything that we can to make sure we make these cleanings affordable, so you’ll save money: Regular cleanings are the best way to catch problems before they become too expensive to correct! For more information or to schedule a regular cleaning of your own, please call Texas Sedation Dental at 903-704-0154!
LONGVIEW - 903-704-0154
2 | WWW.TEXASSEDATIONDENTAL.COM
Made with FlippingBook Ebook Creator