If there is a slight chance that there is anyone on this board that
Likes their job
Makes a steady income (NOT RICH)
Has a house
Has a nice/reliable car
How did you make it?
Any advice for a 20 yr old?
If there is a slight chance that there is anyone on this board that
Likes their job
Makes a steady income (NOT RICH)
Has a house
Has a nice/reliable car
How did you make it?
Any advice for a 20 yr old?
First of all, get into the right field. At the moment that's medical, law, IT, or Finance.
Note that IT and medical are the only "surefire" ones. Law is competitive now, so you need to go to a good school and likely know someone.
Finance is a fucking stretch EVEN if you pass the CFA and get a minor/major in math or stats.
Honestly, the truth is that life is made up of the little things - sleep enough, eat well, exercise, study a lot.
Also, before people spazz out on me - there are definitely other ways to make money.
Trucking is one of them, but you will be driving 12 hours a day and won't have a life / ruin your health. It's only an option if you start your own company, but trucks, and hire drivers, which a lot of truckers do.
I just want to know the path to
The perfect job
Nice income i dont want to be filthy rich just financially stable
And a good house and car
But you are right its about the small things i do
Still want to see what others think!
This guy is an idiot and probably has some form of college debt.
Go into visual arts/illustration. (At a community college. The cheapest and BEST way. You will learn the same skills as a uni but with no debt).
Right now patreon is THE way to go.
My group of friends (all of us from the same community college), including myself, all make $2500+ a month from patreon just drawing. I personally make $2900. My friend makes $3400. My bf makes the least at $2500, but thats because he doesnt really advertise himself or post as often as the rest of us.
Also i only work 2-3 hours a day, 5 days a week. Just sayin. This is the easiest way to go. Im not rich, but i do have comfortable spending money every week and still put $200+ into savings every month.
Attitude change would be a start. Instead of asking others for a path to follow, you could do your own research and find shit that fits to you best. Basically anything could provide you with a stable income unless it's some field that's obviously not about the money like nursing.
Going into Networking Information Technology right now for college and
Thats true as well i wanna see what people have experienced and see what fits best for me reason why i asked
Hey, do you mind expanding on this a bit? I know how to draw at an intermediate level but I don't now how to market myself very well. What kinds of stuff does your group make? Do you have Tumblr/Twitter accounts with thousands of followers and just advertise your patreon all the time?
2500/ month is not very good income, it’s 30k year/ $15/hour.
Difficult to make real money in the arts
I dont want anything CRAZY just something that can oay off a car and a house and throw money at savings and go on vacation once or twice a year
To clarify i just want stability
See picture. Link your account.
2% of all Patreon accounts make more than minimum wage. They are either real-life famous for something else (e.g. making Dwarf Fortress) or do fetish art/cosplay.
There is also this and the fact that actual art takes a long time for even one painting.
Not that user and not too sold on artists making a living unless they are somewhat exception but the numbers are stupid. Most people there don't expect it to be a full time job and don't put too much time and effort into their shit. A lot use patreon as a tip jar for things they do for free anyway.
My understanding is that OP is asking for the most realistic way to become an upper middle class wage cuck. Patreon is not it -the Patreon girl/fag is full of shit, even if one of them is making that much, it's def not a "learn to draw basics, make 3k" type deal.
Accounting
Starting my Master's thesis in Chemistry, got a prosppect for my dissertation while working full-time at uni.
Knowing people, maintaining contacts and friendships helps you out a lot, Networking is gold! It also helps to stay curious and open for new things that might be a little out of your comfort zone.
This sounds nice but it’s really not. Do something you like and can get by on rather than something comfortable you hate. The money wears off pretty quick
Source: me, bought up in low income household and worked as a software developer at a high paid but ultimately sole crushing place
Agree with this. However, also add most engineering sciences and psychology. Finance is surefire if you learn programming and go through a more quantitative curriculum. Although, you'll need to stand out quite a bit if you want the more high-paying investment bank/private equity jobs.
You're in the age of exploration. Do a lot of shit, a lot of different shit, and compile a list of what you like and dislike about it and then apply that list to your job applications or college majors or whatever. You're still becoming yourself and you've got a lot of discovering left to do independent of that.
Open up a Roth IRA. It's not really about the money you're contributing but getting compound interest working for you as early as possible. Also use your credit card like a debit card. Live with your parents if at all possible. A lot of success is extremely unglamorous, especially the process towards getting success.
Avoid debt if you can, and if you can't, minimize it. I dropped out of high school at sixteen and worked as much as I could for as long as I could. I bought a house at 23 and now I basically have zero outgoing expenses since all my shit's paid off.
Workaholism is also really bad for your mental health. I picked up a lot of really deeply unhealthy habits that you should avoid if at all possible. CBT or stoicism or meditation or exercise or whatever but just find something that isn't being a raging alcoholic like me. I pee blood on the regular. Don't be me.
But yeah a lot of adulthood and success is really just enduring disappointment, frustration, and boredom. If you can deal with those things than there isn't a lot that can hold you back assuming you're a relatively normal person.
I am, obviously, extremely very much drunk right now so maybe this is all disjointed but if you have any specific questions I'm here to answer them for the next couple hours
Do you have a rich family background? If the answer is no prepare to sweat blood on your way there. Nepotism solves any and all problems for your success.
Bon voyage you beautiful motherfucker, remember us if you get to the top.
i could buy that car but then i would be unhappy because i wasted money. some people are ridiculous
1. I really doubt that. If so, you should share how with us unless it was parents.
2. You can't really AFFORD it if you aren't pulling $5,000,000 - 10 mil a year.
You're not gonna like what I say.
But the best, most surefire way to get rich, is to be born rich.
Yes I'm a well paid physician now, but I was born into a rich family, went to private schools, had tutors, was able to get through med school without debt, was able to afford a large down payment on our first house due to money from parents, and have investment accounts from parents.
So, there really is something to riding off that wave/momentum of being born rich.
It's possible to do it all on your own. But much less likely or reliably
What is the point of your post? Legit the dumbest shit I've ever read and helps no one. Wow thanks I didn't know that you would be rich if you're born rich.
Trade schools.
EMT to fire academy to fire department
Nursing school to nurse
Plumbing
HVAC
Body shop
Police department.
All you need is a good work ethic.
No absolutely do not get into trucking that is genuinelly awful advice if you want your job to last more than 5 years.
This is solid advice. Trade makes for upper-middle class wages and DOES NOT require someone to go into massive debt. There are usually local labor unions that will pay for your schooling for you as you study.
the point is to realise how difficult a task this is, and that if youre not already in the mix its VERY hard to get in. this will only get harder as time goes on (wealth accumulates with wealth in a compounding manner)
>telling poorfags the truth
You'll get guillotine'd last, my man.
Although OP is aiming more for upper middle-class either way. All of the crap he wants would be perfectly obtainable for basically anyone, only the house will be tricky.
Getting into this soon.
Any advice?
right now you have the perspective of someone without
>Likes their job
>Makes a steady income (NOT RICH)
if you had it you'd realize owning shit like a house and nice car are not worth the trouble or what they cost, because you worked too hard for what you have
every modern car is nice and reliable, anything beyond that is a status symbol for the absolute biggest brainlets
>22 years old
>13k debt from college (EE)
>Steadily making payments while also saving
>No housing costs at this time, just food and various small expenses
>Working +- 40H in unrelated field atm, management opportunity for me very soon, very hungry for it
>Making €10,- hourly at this time
>Have estranged grandfather on my dad's side of the family, seeing him soon
>Sweetest man alive, loyal to his wives (first one passed due to cancer, 2nd one nearly dead now, has lung infection
>Supposedly he's loaded
Am I a douche for wanting a piece?
How can I connect with him?
Last time I saw him about 6 months ago he gave me a little when I left, and desu I could care less about the money, I wish I knew him and his side of the family better, it pains me to hear he has to go through all this shit.
Since a bunch of people mentioned finance, I'll just point out a few things. First, if you want to get into investment banking, private equity, sales and trading, or hedge funds, you need to be very committed in terms of recruiting. You actually have to want it, otherwise you'll get completely cut down by competition. Second, programming and advanced math only really apply to a select number of people in finance. For instance, a guy in IB would likely never need to know anything beyond some VBA. I'm a quant at a HF, so I know more as far as programming and math are concerned. But the required skills are very different.
Let's derail this thread since we seem to both be employed high functioning adults. I'm fascinated by what you do. You're invited in a hedgefund, doing some sort of programming/analytics work? What is your average day like? What exactly is asked of you by your bosses?
Only exposure to finance is on the consumer end (my 401 and previously my Roth before i lost ability to invest in it). Seeing someone on the opposite end of that, the real analytics end, i's interesting
I primarily focus on the building, maintenance, and expansiom of pricing and risk models for the instruments we trade, many of which are exotic products. While I'm responsible for supporting each of those areas, I specialize in rates derivatives risk modeling. A good portion of my average day is spent researching product structures and modelling techniques. When I'm not doing that, I'm interfacing with traders to see what new products have been traded that need to be modeled, and putting together models in code to have brought into production. As an example, a trader might tell me "Oh, we're going to be trading these dual digital options with a vol knock-out." I then need to make sure we can model it for internal valuation and risk (e.g. value at risk, carry and rolldown, sensitivities). Generally speaking, I don't have to worry too much about the actual integration of the models I put together, as IT and a testing group handles the details of that. What is it that you do?
Damn man. That's a next level of jargon that a lay investor like myself can't even comprehend... I'm in the medical field, like I said my investment knowledge is extremely small. I wish I had time to learn about things like hedge funds etc... My idea of trading is just logging onto my Schwab account, buying individual stocks I see value in... It looks like you're involved in high level stuff... More power to you.
Does your group ever work with individual joe schmos?
Neat, a fellow quant on this board. I work in a boutique doing portfolio management.
>Does your group ever work with individual joe schmos?
Why would you want that?
Nothing in his post indicated that after fees the hedge fund he supposedly works at has actually beat the US stock market
It's mostly luck.
Dropped out of college (US high-school equivalent), joined the Army, did a few tours and had an alright time but wasn't crazy about it, got swept up in the privatisation phase of Iraq and ended up making $350 day tax free doing a job I actually really enjoyed.
Never cared about money, wasn't especially hot shit in the military (just standard infantry), only went down that route because my friends did the same.
Hey, I'm sure you know much more than me about anything related to medicine. It's all relative. Generally speaking, we don't work with individual, non-institutional investors.
Oh, that's cool! I wonder if there are any others lurking across the site.
Good advice but kill yourself fot namefagging.
Probably, Jow Forums has a large enough userbase to include pretty much any age and background. Maybe on Jow Forums although I haven't browsed that in a while. What's your background, what did you study? Got mba, cfa, cqf, something else? I studied physics, then later got an mba and then the cfa charter.
That makes sense. I haven't browsed Jow Forums in quite a long time. Is this the first field that you've worked in, or did you work elsewhere between degrees? And I studied math in undergrad and for my PhD. I'm hoping to start preparing for the first CFA exam soon. Do you find it useful in terms of mobility?
there is no future in transportation and hauling
I worked in IT as a programmer before doing an MBA and then switching to finance to become a quant. Good luck with the CFA exam, it's a shitload of work. I assume you don't mean the one in a month but in December? The first one is relatively easy but in the second and third shit gets real. It's nice to have the charter because it does increase your market value and makes looking for new jobs easier.
watch beatthebush on youtube
poorfag losing his shit and sperging out, documented on Jow Forums advice board, thread 20861176
Were you working for a financial institution while in IT? What got you interested in doing quant work? In any case, I hope you enjoy it! And thanks, I appreciate that. I'll be taking the exam in December. When my sister got her charter, she said something similar about the difficulty. Do you think the recruiting value holds up even when looking for other quant positions?
I was working just pure IT before switching to finance. The charter isn't so relevant for quant positions but certainly doesn't hurt and can give you more leverage if you want to move into other positions.
It's the truth though.
>Hey I'm poor and want to become rich
>Best way is to be born rich
>Oh thanks
I was poor and kind of made it. Here is what I did.
>Studied Computer Engineering b.sc 4.0gpa
>Studied Computational Engineering &HPCS m.sc 3.9gpa
>had internships at a private equity, Google and McKinsey
>was super active in 2 uni clubs, one was for investing the other one was formula student
>Did hackerrank challenges, mock interviews and case studies like my life depended on it
>socialist country so debt-free out of school.
>Now work for a trading firm where l make 115k base + possible performance bonus around 300k a year. Which my last 2 years has been around 200k.
Will probably make less soon considering the uncertainty of the markets.
My way was to make plans and act on them early. I was overly ambitious in high school so I failed a lot and learned how to adjust for university. Most of it comes down to planning and just sitting down and actually doing the stuff that you need to do. Like studying. It gets easier over time when you realise it's not as bad as you've imagined it.
IM THE OWNER OF A TRUCKING COMPANY AND I CAN CONFIRM IM MAKING SO MUCH MONEY AND ITS ONLY EXPANDING
BOUGHT A PORSCHE AND TESLA ALREADY
I went to university, I got my PhD and then I continued on towards a PostDoc.
As much as people want to say that the systemis rigged and fucking over the youngs (which it kind of is), you can still be successful by following the only path that has consistently worked for generations:
Don't waste money
live very frugally (for now)
work hard - put in the time and effort
assuming you have even moderate talent/brains, if you work a little harder and strengthen your soft skills, you will be in demand in almost any business line
Tray a few things out and dont stress about it yet
Save your money
first house should either be big enough for you to rent out rooms or a duplex, so others pay your mortgage for you.
Drive small, economical cars (civic, fit, corrola, etc)
buy it used (3 yrs old and 60k miles for a honda or toyota will still get you 10 years of life at half the cost)
ride your bike or walk or take transit whenever possible
Bananas, eggs, brown rice, black beans, PB, Honey should pretty much make up 50% of your diet.
the rest should be chicken or fish (cheap and easy to cook at home), leafy greens and maybe 2 meals out a week.
No soda
No prepared coffees (maybe a double espresso once a week - $2.75 most places)
if you go out with friends, invite them over first, buy a 12 pack ($15) and ask them to bring some snacks. This will save you all $$$ later
honestly, if you can do this for three years, you will have set great habits and should be able to stay out of debt. If you can rack up some savings and add to it, you will do alright.
If you can just be fucking helpful wherever you work - follow instructions, show up early, stay late sometimes, actually accomplish something, you will get better and better jobs.
Big skill to learn that will help you as much as any of these: Learn to work efficiently.
I have an upper-middle management job that's OK, but pays well and has great stability and benefits. the key is I can usually do a weeks work in 25 hours so I get plenty of time to do other things or take on extra projects for $$
You need a plan, OP. Define the things you like and don’t like. What things you could live without and what you can’t. “Success” is defined by you, and until you have a definition you’ll never have a clear path to get it.
Generally speaking, the more you stick to the outside wall in grocery stores the better you’re doing on food. It’s typically the non-processed stuff. If you move around for an hour a day. Like walking or biking whatever, you’ll be ok. Keep a mindful eye of the social contracts you create. Are the people around you convincing you to do shit you hate? Do they have something you want that’s worth that? Read fucking books/ never stop trying to learn new skills. Don’t settle for anyone romantically. The truth is, you’re gonna meet some good people and some bad people. Nobody is perfect, but if you are dragging them along for things and they are dragging you, then get out ASAP. No you can’t do it without hurting their feelings. Just gotta do it. If your feelings get hurt it’s ok, not the end of the world. Be independent and be grateful.
A lot of people posted some really helpful things thanks guys!
OP HERE my buggest thing right now is this
I moved out but got kicked out because of roomie issues and we argued consistently
So now:
Im at home
Finishing my Assoc in Computer Systems Tech (1 more course)
Going into Networking Information Tech (2-3 more years)
I have a car RSX 02 WITH LIKE 250K LOL
I pay bills at home
I work a steady part time job 13-20hrs a week for like 11$ been there for like 3 years+ (Retail)
I study full time
Im 20 am I doing good for my age???? I feel like i could be doing more
Thanks in advance!
My back up plan is to do video game character design for now its just a hobbie but im focused on networking
Also to the user that said I should read I picmed it up recently read through Dantes Inferno and now reading Wonder im enjoying it so far Thank you!
Buy I dont know what I want.
In any field you want to be in, the key to being successful is networking in that field. This is the easier path rather than attempting to run into it blindly.
bitchfags cant handle the truth. i was raised in the ghetto. and now im middle class and independent. im only 22 i started at 17. its all about getting the right job that will lead into something better. never settling, always striving for more. investing in realestate is the new thing. passive income is very good. also sell drugs if u can afford it
30
Software engineer
320k/year
Single-family home in San Francisco
Model 3
Five years ago making 40k doing wageslave customer service
Taught myself how to code and never looked back
The one thing I've learned is that drive and ambition are the most important things you can have in life.
Drive and ambition are huge. Even if you're bullshitting about your success, you're right in regards to those. Especially drive.
I wish I even had a little bit of that, and I'd have a much better life. Instead I'm a doomed Neet.
Some advice, OP.
Don't ever quit your job unless you have something lined up. Don't ever do it. Unless they're legit abusing you or something.
And in your free time, try and get the COMPTIA A+ Certs/etc if you don't have them already. I'm sure you're smart enough to get that in a few months if not weeks. Once you've gotten that, look for a job in tech support. Good for your resume, and more pay.
You're not a doomed Neet, you're just someone who hasn't decided what they want to do with their existence.
I like to think about drive and ambition as ways of giving yourself as many chances as you can to finally get lucky. I certainly lucked out a lot to get to where I am.
I hope one day you can find the fire inside to discover something that makes you happy
I appreciate the kind words. But I have my doubts.
I went through my whole 'existential crisis' part of growing up, so that's not the issue per se. It's more so.. just not having the will/discipline to do the dirty work and get to my goals.