No One Ever Told Us That. John D. Spooner
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      No One Ever Told us That

      NO ONE EVER TOLD US THAT

       Money and Life Lessons for Young Adults

      JOHN D. SPOONER

      Cover image: © hin255/Shutterstock

      Cover design: Wiley

      Copyright © 2015 by John D. Spooner. All rights reserved.

      Published by John Wiley & Sons, Inc., Hoboken, New Jersey.

      Published simultaneously in Canada.

      No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise, except as permitted under Section 107 or 108 of the 1976 United States Copyright Act, without either the prior written permission of the Publisher, or authorization through payment of the appropriate per-copy fee to the Copyright Clearance Center, Inc., 222 Rosewood Drive, Danvers, MA 01923, (978) 750–8400, fax (978) 646–8600, or on the Web at www.copyright.com. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030, (201) 748–6011, fax (201) 748–6008, or online at http://www.wiley.com/go/permissions.

      Limit of Liability/Disclaimer of Warranty: While the publisher and author have used their best efforts in preparing this book, they make no representations or warranties with respect to the accuracy or completeness of the contents of this book and specifically disclaim any implied warranties of merchantability or fitness for a particular purpose. No warranty may be created or extended by sales representatives or written sales materials. The advice and strategies contained herein may not be suitable for your situation. You should consult with a professional where appropriate. Neither the publisher nor author shall be liable for any loss of profit or any other commercial damages, including but not limited to special, incidental, consequential, or other damages.

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       Library of Congress Cataloging-in-Publication Data:

      Spooner, John D.

      No one ever told us that: money and life lessons for young adults / John D. Spooner.

      pages cm

      Includes index.

      ISBN 978-1-118-99223-4 (cloth); ISBN 978-1-118-99226-5 (ePDF);

      ISBN 978-1-118-99224-1 (ePub)

      1. Investments–Miscellanea. 2. Finance, Personal–Miscellanea. 3. Conduct of life–Miscellanea. I. Title.

      HG4521.S7184 2015

      332.024–dc23

2015007712

      DISCLAIMER

      I am a writer. But I also happen to run a wealth management business under the umbrella of a major investment banking firm. These dual careers are distinctly separate from one another. This right brain, left brain life seems to work fine for me.

      But my opinions expressed within these chapters are strictly from my own experiences, and are my own observations.

John D. Spooner

      For my clients and special friends who have taught me all the lessons. And for my sister Susie, for so many reasons.

      ACKNOWLEDGMENTS

      In no special order, my thanks to the following people for their help in bringing this advice to their young adults who need gentle shoves in the right directions.

      Even if my helpers didn't realize at the time how much they added to my writing of the book, they made it possible: Weld Henshaw, Bob and Debbie First, Robert Sprung, Yvonne Russell, Alan Miller, Mike Sandler, Fred Greenman, Bill and Judy Cowin, Dr. Stuart Mushlin, Jeff Levine, Andy Hunter, Bill Eisen, Joe Rooney, Suzanne DelVecchio, and Nat Bickford.

      And all the caring people at John Wiley & Sons.

      Above all, agent and friend, John Taylor “Ike” Williams, and his associate, Katherine Flynn.

      INTRODUCTION

      This is a book for all of you new grown-ups, out in the world for long enough to have experienced some early bumps in the road, and long enough to know how challenging this new century is for you, in all areas of your still-young lives.

      I speak to you as if you are my children, all of them relatively new grown-ups, and needing practical advice for all these new crossroads you face.

      I have advised, and still advise, thousands of people, in hundreds of professions and careers. And I've done this for more than 50 years. No rookie, no virgin either, in finding solutions to so many of life's problems.

      And as you all are at various new crossroads, I'm at another major one myself.

      After my last book, No One Ever Told Us That, had been out for several months, a young man knocked on my office door. He seemed to be in his late twenties or early thirties, in a suit and tie, with highly polished English shoes. I seldom see young people so turned out. He was holding a small package wrapped in bright paper, like a birthday present.

      “Do you have a minute?” he asked.

      “Not really, I said, “but come on in.”

      He held up the package. “This is for you,” he said. “You changed my life.”

      “How did I do that?” I said. “Although I'm flattered.”

      “I read your book,” he said. “In a chapter about the problems in almost all families there was a line. I've had issues with my family for years and it was eating me up, having to stifle my feelings. Your line was, ‘Love your family, but don't let them suck the oxygen out of the room.’ I kept thinking about that line. And it gave me the courage to finally speak out. When I did, years hiding these things just fell off my back. Thank you for changing my life.”

      I opened the present.

      “It's pictures done by my favorite artist,” he said. “He does graffiti.”

      I thanked him and asked him to tell me about himself, which he did. And then he said, “You know, you should write a book for us, for me and my friends. We're out of school СКАЧАТЬ