{"id":4607,"date":"2019-05-22T11:00:07","date_gmt":"2019-05-22T15:00:07","guid":{"rendered":"https:\/\/www.wework.com\/ideas\/?p=4607"},"modified":"2020-09-03T05:52:51","modified_gmt":"2020-09-03T09:52:51","slug":"digital-tools-are-the-next-legit-get-rich-quick-scheme","status":"publish","type":"post","link":"https:\/\/www.wework.com\/ideas\/research-insights\/expert-insights\/digital-tools-are-the-next-legit-get-rich-quick-scheme","title":{"rendered":"Digital tools are the next legit get-rich-quick scheme"},"content":{"rendered":"\n

Amid calls for social-media hiatuses and digital detoxes, certified financial planner Alexa von Tobel urges modern techies to dive deeper into technology\u2014in ways that work for them. \u201cMoney is stressful for everybody,\u201d says von Tobel, founder and managing partner of Inspired Capital and founder and former CEO of LearnVest. \u201cBut the math is not that complicated.\u201d <\/p>\n\n\n\n

Von Tobel has spent more than a decade schooling the public on how digital platforms can help demystify our financial lives. In her new book, Financially Forward: How to Use Today\u2019s Digital Tools to Earn More, Save Better, and Spend Smarter<\/em><\/a>, she doubles down on that message by reminding people that they are in control, no matter how many new apps, currencies, or industries emerge. \u201cThe world is moving so quickly, I want people to feel like they know where the world is going,\u201d she says.<\/p>\n\n\n\n

In a recent conversation at WeWork Now<\/a> in New York with Betches<\/a> cofounder and COO Samantha Fishbein, she offered four examples of how to take the reins and make tech work for your wallet. <\/p>\n\n\n\n

Use automation to play ‘offense’ against extraneous spending<\/strong><\/h2>\n\n\n\n

With the tremendous \u201camount of tech that exists to help you part with your dollars\u201d\u2014like digital ads that seem to predict what we want before we\u2019ve even Googled it\u2014it pays to be wary, said von Tobel. <\/p>\n\n\n\n

\u201cIt\u2019s really hard in the on-demand economy to budget,\u201d she said. \u201cSo you need to play digital offense.\u201d She is a big proponent of automating bill payments and savings (both long-term and for emergencies), which can help prioritize your nonnegotiable expenses and keep you contributing regularly with little effort. <\/p>\n\n\n\n

Use tools such as banking apps or third-party budgeting and saving tools and you\u2019ll stand a better chance of resisting an impulse purchase of the boots that follow you from web page to web page. <\/p>\n\n\n\n

Break down goals to make savings feel real<\/strong><\/h2>\n\n\n\n

\u201cSo much about money is habits and delayed gratification: \u2018If you don\u2019t get two today, you can get three tomorrow,\u2019\u201d von Tobel said. \u201cThat takes drilling into someone\u2019s head.\u201d Cognitive inclinations<\/a> toward \u201cpresent bias\u201d (difficulty moving past instant gratification) and \u201cexponential growth bias\u201d (difficulty appreciating the value of compound savings) make saving for the future hard for many of us. <\/p>\n\n\n\n

In her household, von Tobel and her husband divvy up savings for their four-year-old daughter into several accounts and then do their best to convey to her the goal for each \u201cbucket.\u201d \u201cI want her to understand the analog of physical money to digital money,\u201d von Tobel said. In this case, the largest bucket is long-term (for college) and the smallest is for shorter-term pleasures (cupcakes). <\/p>\n\n\n\n

Creating different accounts makes it easier to see how your money is working for you and how much closer you are to achieving specific goals, and also keeps you grounded in what you are saving for<\/em>\u2014a difficult task in an age of swiping, tapping, and Venmo-ing \u201cinvisible\u201d funds.<\/p>\n\n\n\n

Research emerging investments before jumping on the bandwagon<\/strong><\/h2>\n\n\n\n

Cryptocurrencies are here to stay, said von Tobel, who projects that blockchain technology will become increasingly woven into our everyday lives over the next 15 years. Nevertheless, when it comes to investing in anything, she said, caution is key. <\/p>\n\n\n\n

\u201cBefore you invest, make sure you have no credit-card debt, have an emergency-savings fund, and are contributing to your retirement account,\u201d von Tobel advised. <\/p>\n\n\n\n

Once you\u2019re ready, be your own best adviser if you decide not to pay for help. In her work at Inspired Capital, she looks for businesses that have a \u201crecord of success and a team of committed entrepreneurs.\u201d She suggested that individuals who go at it alone might seek out promising ventures on platforms such as Kickstarter, AngelList, and YCombinator. <\/p>\n\n\n\n

But be careful. \u201cAt Inspired Capital, we do due diligence and strategize,\u201d she said. Individuals without that kind of team behind them need to be even more vigilant about spending their hard-earned money on volatile currencies and companies, no matter how exciting they seem.<\/p>\n\n\n\n

Buy happiness by buying time<\/strong><\/h2>\n\n\n\n

The growth of freelancing and rapid expansion of the gig economy mean the phrase \u201ctime is money\u201d has \u201cnever been truer than in 2019,\u201d von Tobel said.  <\/p>\n\n\n\n

On one end of the gigging spectrum, individuals are taking on less-structured jobs to supplement their incomes. If you\u2019re at the other end, von Tobel said, you can use the gig economy to give yourself more<\/em> of that precious resource\u2014time. \u201cHow do you buy happiness?\u201d she asks. \u201cSpend money on the things you don\u2019t<\/em> like to do.\u201d<\/p>\n\n\n\n

Calculate the value of your time by determining your per-hour income after taxes, and you\u2019ll have a greater appreciation for how you spend your days based on your compensation. For example, tally the time it takes to grocery shop weekly: checking to see what you\u2019re out of, writing a shopping list, making time to go, then hauling everything back home, unpacking it, and prepping ingredients for meals. If you paid yourself for this task, how much would it cost? Now compare that to the cost of a meal- or grocery-delivery service, and see which is the smarter option for you. <\/p>\n\n\n\n

Presented this way, von Tobel said, \u201cletting good money follow bad\u201d becomes less about reckless money spending and more about time wastefulness\u2014and you don\u2019t want to squander either.<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"

Financial expert Alexa von Tobel shares tips for using tech to keep\u2014and grow\u2014your money<\/p>\n","protected":false},"author":1698,"featured_media":4609,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[43906,43901],"tags":[525,39218],"class_list":["post-4607","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expert-insights","category-research-insights","tag-personal-growth","tag-small-businesses"],"acf":[],"yoast_head":"\nDigital tools are the next legit get-rich-quick scheme<\/title>\n<meta name=\"description\" content=\"Financial expert Alexa von Tobel shares tips for using tech to keep\u2014and grow\u2014your money\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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