Dunaway Law 2019

Dunaway Law 2019

August 2019

DUNAWAY DIGEST

One Perimeter Park South, Suite 100 North, Birmingham, AL 35243 • 205.705.3590 • MatthewDunaway.com

WisdomWith Age HowWe Come to Terms With Our Past Mistakes

that if they went to college and applied themselves, it would prepare them for adulthood. As for the kids who couldn’t pay for college out of pocket, they were told to get student loans they could pay off once they graduated and got a good job. But that isn’t happening for the majority of graduates. I have nieces and nephews who are going through college, and it’s so different than when I was growing up. Back then, student loans weren’t outrageous, and new graduates really were able to get decent jobs fresh out of school. Today, kids are walking out of college with diplomas and ridiculous student loan debts that will take a lifetime to pay off. Not long ago, someone came into my office after racking up six figures on their bachelor’s degree. To make matters

Being young means thinking you know everything.

worse, after graduating, they were only able to find a job at Walmart, making $12 an hour. Unfortunately, student loan debt can’t be discharged through bankruptcy. There are a lot of people looking at their student loan debt and thinking, “Shoot. I wish I could go back and tell myself not to do this.” Fortunately, our society as a whole seems to be waking up to this fact. Our culture isn’t as naive about college as it was 30 years ago. Kids who are graduating high school these days are being taught to take a realistic look at their futures, the burden of loans, and the job prospects that will come with a certain degree. Gaining this wisdom doesn’t automatically make our problems go away. There’s still over $1.2 trillion in student loan debt in the United States. But being willing to reflect on the past and reevaluate on our choices is the first step in making better decisions for the future. There’s a lot of wisdom that comes with age and learning how to look at the big picture.

Being an adult means realizing how clueless you were.

As I’ve gotten older, there have been plenty of times when I thought, “I wish I knew this when I was young!” There’s a lot of wisdom that comes with age and learning how to look at the big picture. As we get older, we learn how to adjust our expectations and desires and get them more aligned with the things that are actually good for us. This applies to what we discussed last month, about learning to recognize the difference between a happy home and a big house. Another area where we see this “wisdom with age” idea is in college and student loans. Around 30 years ago, there was a huge push to make sure everyone went to college and got their degree. The idea was that if more people were educated, the better our society would be. There’s no denying that education is incredibly important to society and culture, and I believe that anyone who has the aptitude and desire to go to college should have the opportunity to go. Unfortunately, over the last 20 years, we’ve completely adulterated what college is. Why do we tell kids they have to go to college? So they can get a good job and make enough money to support themselves and their family, right? In this last generation, kids who went to college were sold an idea

–Matt Dunaway 1 Phone: 205.705.3590

Published by The Newsletter Pro · www.TheNewsletterPro.com

Ride Into the Sunset 4 Tips to Maintain Your Bicycle

Hopping on your bicycle for a family bike ride through the neighborhood is a great activity for beautiful summer weather, but nothing spoils a fun day of riding more than a flat tire or dislodged chain. That’s why it’s important to keep up with bike maintenance, even if you typically stay close to home. By following these four tips, you and your family can enjoy a smooth ride all summer long. Give your bike a once-over. The best way to avoid any problems with your bike while riding is to inspect it thoroughly before you head out. Check each component and make sure everything is in working order. If you notice your handlebars are loose or your brake pads are worn, you’ll be able to make adjustments or repairs before hopping on. Fill your tires properly. Proper bike tire pressure can seem ambiguous; many people just inflate the tires until they seem plump enough to ride on. But a bike tire will typically have the recommended air pressure in psi (pound- force per square inch) stamped into the side of the tire. For example, your tire might say Min. 85–Max. 135 psi . This may seem like a broad range, but it all depends on what you’re looking for: A higher psi will increase speed, while a lower psi will give you a smoother ride. Keep it clean. Cleaning your bike regularly is essential in preventing premature wear and tear. When cleaning the body of the bike, use a damp rag with window cleaner or diluted dish soap to wipe it down, and take extra care not to get any of it on the chain. If the chain is dry to the touch, remove any debris that may be caught in it with a small brush or old toothbrush before applying a good bicycle chain lube. Involve your kids. Encouraging your kids to maintain their own bikes will help them understand the importance of taking care of their possessions. Teach them to inspect their bike, clean and lubricate their chains, and regularly check their tire pressure.

August Word Search

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This summer, set yourself up for cycling success and make bike maintenance a priority.

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