Cade Hildreth

What You Should've Learned in School

Blog

The Gender Spectrum: A Scientist Explains Why Gender Isn’t Binary

By 6 Comments

The gender spectrum is an understanding that gender is not binary (female/male), but rather a spectrum of biological, mental and emotional traits that exist along a continuum.

In contrast, the gender binary, also called gender binarism or genderism, is the belief that gender is composed of two distinct and opposite genders (female and male) in which there is not overlap.

Unfortunately for those who believe in a gender binary, it is not scientifically or medically correct.

Today, numerous scientific fields, including biology, endocrinology, physiology, genetics, neuroscience, and reproductive science, have confirmed that sex and gender exist as a spectrum, both for humans and across the animal kingdom. [Read more…] about The Gender Spectrum: A Scientist Explains Why Gender Isn’t Binary

Gender Neutral Airlines (And Travel) On The Rise

By Leave a Comment

Beginning in 2019, two major airlines started to offer travelers the option to choose “unspecified” or “undisclosed” as a gender option during the booking process. United Airlines was the first to introduce it in March 2019, while American Airlines followed suit in December 2019.

This move is a major step toward acknowledging people along the gender spectrum, including but not limited to transgender, intersex, nonbinary and gender nonconforming (GNC) identities. [Read more…] about Gender Neutral Airlines (And Travel) On The Rise

How to Ask for a Promotion (13 Tried and True Tips)

By Leave a Comment

Are you researching the best ways to ask for a promotion? If so, know that employers would rather promote from within, because it saves time and money compared to hiring a brand new employee. The hiring and training process is time consuming and hiring from within is an easy way to eliminate friction and cost.

When you feel like it’s the right time to ask for a promotion, go for it because it will benefit you and your employer.

[Read more…] about How to Ask for a Promotion (13 Tried and True Tips)

How to Supplement Your Income: 8 Real Ways to Make More This Month

By Leave a Comment

Are you exploring how to supplement your income in a realistic way? Unfortunately, it’s all to easy to find yourself stuck in the comfort of one source of income.

This is because it’s common to find a job either right out of high school or college and get used to the routine of waking up, commuting to work, and  heading home for the day. But it’s time for a change!

Knowing how to supplement your income is essential for creating a fulfilling lifestyle. You also need (yes, need) multiple flows of income to create wealth.

In an ideal world, you’d create both active and passive flows of income, but typically active income is a better place to begin when you’re starting from scratch.

This is because passive income flows tend to require money to get started while active income flows simply require energy.  [Read more…] about How to Supplement Your Income: 8 Real Ways to Make More This Month

Why 401K’s Are A Bad Idea

By Leave a Comment

Why is a 401(k) a bad idea? Why don’t rich people use them? And seriously, are they worthy of being called a scam?

There’s more than a few reasons that I think 401(k)s are a bad idea, including that you give up control of your money, have extremely limited investment options, can’t access your funds until your 59.5 or older, are not paid income distributions on your investments, and don’t benefit from them during the most expensive period of your life (child-rearing years).

Did I also mention that your 401k account value may plummet as you near retirement (it happened in 2008), you won’t be able to deploy funds into high return investments like real estate, and you’ll have to pay hefty fees to the folks on Wall Street?

Yes, they’ll collect between 1-3% in fees from you every single year. That will be estimated $138,336 over your lifetime.

Btw, your 401k withdrawals will also get taxed as ordinary income, making them subject to state and federal taxes at the time of your retirement. Today, the highest federal tax rate is only 37%, but it has floated as high as 94% (1944). There were also three decades (1950s, 1960s, and 1970s) where the federal tax rate never dipped below 70%.

Do you really want to roll the dice on what tax rate you’ll pay at retirement when today’s rates are some of the lowest in the past 100 years? 

That list is just the tip of the iceberg for why 401(k)’s are a terrible tool for wealth building and almost never used by the wealthy as a strategy for financial expansion. [Read more…] about Why 401K’s Are A Bad Idea

11 Way to Build Confidence in Yourself, Immediately

By Leave a Comment

Confidence – it’s the difference between missed opportunities and goals achieved, going out on a limb or playing it safe. Some people seem born with all the confidence in the world, others shrink at even the thought trying to put themselves forward into it.

The good news is that confidence can be built.

If you’re lacking confidence, there are 11 science-backed, ‘tried and true’ ways you can boost it. [Read more…] about 11 Way to Build Confidence in Yourself, Immediately