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Yahoo
25 minutes ago
- Yahoo
Ramit Sethi: When You ‘Should Take the Big Swing' of a Financial Risk To Be Happier
Even when we're thriving in our careers, making good money and feel relatively content with the way things are going, we may have pretty frequent callings to reflect on the hustle and bustle world around us and think, 'Can I just quit my job and travel for a year?' Find Out: Read Next: Financial expert Ramit Sethi talked about this common wanderlust, wondering in a recent email newsletter sent to his subscribers. He looked at a real-life example of one of his readers, a 25-year-old product manager based in California who was in incredibly strong financial shape. He asked Sethi, 'Can I quit my job to travel for a year? How will this impact my future career prospects?' Even When We're in Great Financial Shape, We May Hold Back The question of when you can take this kind of risk-loaded 'big swing' may be 100% feasible financially, but you need to have a crystal clear look at your money situation. If you live below your means, hold no debt, have a strong investment portfolio and plenty of savings, as this person did, then you can absolutely 'afford' to take the risk. But even if you have the dream financial situation and money isn't really a problem, you may resist seizing the opportunity to embark on freedom. It's a sort of mind over matter issue. But rather than using our minds to overcome something, we're using them to hold us back. 'The problem is that it is very difficult to break out of the mindset of needing to 'maximize' how much you invest and save,' Sethi wrote. 'Many people I've talked to who have savings rates like this are in the FIRE community. They find it incredibly psychologically crippling to reduce their savings by even 5%. They also find it very difficult to spend money.' Explore More: Careers May Be More Resilient Than You Think Whether quitting your job and traveling for a year will hurt your career is a whole 'nother beast to tackle. It's highly unlikely that you can quit (unless that job is in academia and you're approved to take sabbatical) for a year and have a guaranteed good job upon your return. 'How will this affect your future career prospects? 'It's likely that it will affect them negatively,' Sethi said. 'It's possible that if you go away for a year, you may come back to a recession. You may come back to your industry being reduced.' But don't just think about the probability of things being tough when you get back. Think about how different and more culturally enrichened you'll be a year from now. 'I know a lot of people who have traveled for a long period of time and came back with an amazing narrative that they could share in interviews,' Sethi wrote. 'That depends on the market, your abilities and the combination of both.' It's OK To Take a Break From Being Aggressive More likely than not, there will be some bumps in your career if you decide to quit your job and spend a year doing something you've always wanted to do (and make nada while doing it). That's why it's so important that you ensure you're well ahead of the game with saving, investing and living debt-free. But a rich life, as Sethi reminded us in this newsletter, isn't just about generating the max amount of money all the time. It's about enjoying money, too. 'A Rich Life is not just blindly accumulating more money,' Sethi wrote. 'In fact, a Rich Life might be actually prioritizing the numbers second.' If you're in amazing shape financially and see no evidence that a big swing of a risk will disable your future or hinder your retirement, go for it. And as you take the leap, recognize with confidence that part of the point of doing as well as you're doing with money is to be able to luxuriate in it (within reason) while you still can. One day, doing something as extravagantly carefree as traveling the world may not be a realistic option for you. More From GOBankingRates 9 Downsizing Tips for the Middle Class To Save on Monthly Expenses This article originally appeared on Ramit Sethi: When You 'Should Take the Big Swing' of a Financial Risk To Be Happier Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
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Travel + Leisure
26 minutes ago
- Travel + Leisure
These Common U.S. Medications Are Banned Overseas—What to Know Before Packing Meds for Your Next Trip
Some common U.S. medications, like Sudafed and Benadryl, are banned or restricted in some countries. International drug laws vary widely, so travelers must research destination-specific rules and carry original packaging and documentation. Ignoring these rules can lead to confiscation or even more serious consequences, which is why it's essential to prepare before flying. You've finally settled in and gotten comfy in your airplane seat…only to realize your everyday meds might not fly overseas. International medication laws are murkier than most travelers expect. Even common over-the-counter drugs like Sudafed are banned in countries such as Japan. Meanwhile, products containing codeine—an opioid often found in cough suppressants and pain relievers—are classified as controlled substances in the United Arab Emirates (UAE) and are strictly prohibited without prior approval. "Even a seasoned traveler like myself has fallen victim to traveling with items that might get flagged internationally," says Katy Nastro, a travel expert at Going (formerly Scott's Cheap Flights). "We tend to take for granted the fact that we can fly across the country with our day-to-day prescriptions or over-the-counter (OTC) meds without the blink of an eye because they aren't subject to additional screening." However, when you go abroad, the rules change. Whether you're traveling with prescriptions or just a bottle of Tylenol, here's what you need to know before packing your meds. As previously mentioned, not all medications allowed in the U.S. are permitted abroad. This holds true for both OTC and prescription drugs. Of course, this list is not exhaustive—you should research the specific laws of your destination before you go. Also known by the brand name Sudafed, this common nasal decongestant is banned in Japan and Mexico. Often found in cough syrups and combination pain medications, this opioid is controlled or outright banned in countries including the UAE, Japan, Greece, and Indonesia. Travelers may need prior approval, a doctor's note, or face penalties for possession—even with a valid U.S. prescription. Best known as the active ingredient in Benadryl, this common antihistamine is restricted in Japan and Zambia. Travelers may need a doctor's note, and in some cases, the medication can be confiscated. Medications such as Adderall and Ritalin require advanced approval in countries like the UAE, Japan, Singapore, and South Korea. These stimulants are often classified as controlled substances, and travelers may need to submit documentation or apply for special permits well before departure. According to Quinn English of FreeQuinnt Flyer, the biggest mistake travelers make is skipping the research. "Just because a medication is either OTC where you live or you got it legally with a prescription does not mean you can legally bring it into the country you are traveling to," he says. On a recent trip to Japan, English and his wife took extra care: They looked up local laws, carried written prescriptions from their doctors, and brought only what they needed for the duration of the trip. Even so, he was surprised by how different access to medication was on the ground; you may need to chat with a pharmacist before getting your meds rather than just grabbing them off the shelf. It might be tempting to toss your pills into a cute travel organizer or dump some Advil into a mint tin, but that could cause problems in transit. Both experts agree—it's not worth the risk. "I always suggest keeping medication in its original packaging," says English. Nastro specifically cautions against bringing pill organizers on international flights. "Optics matter," she says, noting that even harmless medications can raise red flags if they're not clearly labeled. "This can create more of a headache when navigating questions than the medications are meant to help." She adds, "Always travel with the original prescription bottle on your person so they can be easily examined and can help answer immediate questions related to the condition." A person placing pills in a daily pill added protection—especially if your medication is essential or might raise questions—be sure to travel with a copy of your written prescription and/or a doctor's note. "Depending on where you are traveling to and with what medications, you may need paperwork specific to that country," says Nastro. In some cases, she notes, "a certificate is required by the country you intend to travel to." To avoid surprises, Nastro recommends consulting the U.S. Embassy website for your destination, in line with guidance from the Centers for Disease Control and Prevention (CDC). She also points to other valuable resources, including the International Narcotics Control Board (INCB) and the International Pharmaceutical Federation (FIP), which may be able to route medication-specific questions to the appropriate local authority. While the exact consequences vary depending on the country and the medication in question, they can be serious. In the best-case scenario, you might face confiscation or a fine; in more extreme cases, travelers have been detained or even arrested. Remember, says English, "You are a visitor in someone else's country, so it is important to respect their customs as well as their laws." With that in mind, he adds, "Err on the side of caution." When it comes to traveling with prescriptions, Nastro recommends remembering what she calls the four Ps: Packaging (leave it in the original bottle), Prescription (make sure it's legible), Provider (getting a note from your provider can't hurt), and Approved (confirm before travel that your medications are legal—or know what's needed to get them approved). "If you are crossing multiple time zones and need to take your medication at the same time every day, talk to your doctor about how to manage that," says English. "Talk to your provider about any potential side effects of taking your medication at altitude, or even if side effects may occur when you are severely jet-lagged," says English. "The last thing you want is to have an adverse reaction when you are far away from home."
Washington Post
28 minutes ago
- Washington Post
Pack these sandwiches, snacks and drinks for a day at the beach
When I head to the beach, I like to be fully prepared. By the time my towel hits the sand, I don't want to have to do or think about anything, so I make sure to prep all the essentials ahead of time, starting with a cooler filled with the snacks I know I'll thank myself for later. Once I'm sprawled out, boardwalk concession stands feel like miles away and the sand is molten lava.
