malfeasance
Member
Congratulations, trl01
MESO-Rx
Anabolic Steroids
Give financial advice to your 20yr-old self
- Thread starter Aestheticstqwe98
- Start date
This is something to remember. It is as simple as finding a trade that you feel good about. Learn the business, and go into business for yourself.
You can make money working for someone else, but the guy that owns the business is the one making bucks.
My younger brother bounced from job to job in his early 20's. He took a job painting. He didn't mind the work and learned about the business. 6 years ago he went into business for himself and is making 150k now at 32.
If you just need time to think, the 4 years I spent in the military were good years.
Forthewin1123
Member
First thing.. you have alot more.then you give.ypirself credit for brother!!! Don't forget what.you have in sight of what.yoj wamt.
I'm now 34.. I startednworking woth.my grampa when I was 8.. he is/was a mason/carpenter. By.13 I was running jobs.. never made a dollar
. Never asked.for a dollar. I had everything I wanted/needed. My pay was I learned 3 trades and spent everyday and every summer woth the best man I've ever known.. to this day I still see him everyday. Love thst.man to death!!
I've learned every trade there is growing up. Honestly everything .. it has made me very valuable and i never struggle for work.. beciase I habe trades and I'm good at them.
At 21 I bought my 1ST home. Lost it by 26.. drugs.. 28 bought second home.. lost it29.. I'm 34 wotg 4 years clean and restarting for tje 3rd time.. if I over.think about my failures and what.i lost.or don't have that I could/should have ot will ruin me.. 34 2 kids.. single father.. yes I won custody..3 bedroom apartment.. some money put away.. more the a grand..kids habe more then most.. and I'm happier then ever ..
Here is my advice.. I don't know what.yku do for work.. but I recommend getting into a trade.. the money is good and it's always needed.. also always side work woth trades to be found.
2nd.. try.to cut out any wasteful spending.. it's not easy. It's jarder.then dieting and sticking to the diet. Do not live beyond your means.. eat at home and eat cheap.. meat and potatoes!! Put away money.. idc if.yku habe 20.. pit away 10 and make tje other 10 work period.. this will force you to be disciplined woth your money.
Its very expensive to live these days.. 50geand a year job is at the poverty line.. you gotta hustle as legally as possible.. if you learn a trade ..do side work for friends or strangers.. be cheaper then tje.otwjr guy.. by a little.. fight for it..
Nothing comes easy.. for most if us anyway.
Maybe a local union will be your answer.. great opportunity and at.ykjr age of 23.. by 28 you can be making 70k.. im.serious!!! If you habe any questions about trade work or how to find these jobs or training hit me up.. good men helped me ..showed me how.. I'll gladly give any tips I can..
steckdose0
Member
you have to pay back credit cards
malfeasance
Member
Well, of course you do. Why did you post this? Maybe a little more explanation will help us all understand your point.
steckdose0
Member
that's the advice i would give my 20 year old self i thought it was self explanatory that i would apply for credit cards and max them out, forgetting that credit is essentially just a loan and not free money.
steckdose0
Member
and to add to that, when i was 20 all i cared about was fucking girls, the gym, steroids, and partying. i would encourage every guy in their early 20s be the same way (possibly minus the steroids), because it's not a good look when you're in your late 20s and into your 30s. once i hit 26-27 i was pretty much over "partying". it was time to build a life.
PimpyLongCockings
Member
All superb advice, especially when it comes to spending 4 years. My “spending 4 years” was spending on a college education that I’m still paying for. Actually 2 majors and a minor in things I don’t use.
All because I was undecided.
Oh yeah, Dave Ramsey. And don’t spend more than you make(don’t go into debt, think of that horrible lease, it’s debt)
notdeadYET
Member
I know you said financial advice but here's a few things I would tell my 20 year old self. And they all tie into financial health and well-being.
1. Stay in the military (Retire at 37, start a second career.) Although no real complaints here as I made out well, great experiences, friendships, college paid for 100%, etc. I definitely suggest all men do 4 years.
2. Don't chase the hottest pussy, find one that will treat you well AND contribute financially (Enough said, 2 good incomes are better than 1).
3. Figure out now where you want to live, move there, then get settled and start your life/career (beach, mountains, city, etc.) (Chasing 6 figures isn't necessary if you find a place that allows you to get by for less, plus it's easier to get established in a new place when you're young with less responsibility).
There's a ton more but those 3 stick out to me right now. Money isn't the end all, live your best life, don't be a slave, find a good balance.
1. Stay in the military (Retire at 37, start a second career.) Although no real complaints here as I made out well, great experiences, friendships, college paid for 100%, etc. I definitely suggest all men do 4 years.
2. Don't chase the hottest pussy, find one that will treat you well AND contribute financially (Enough said, 2 good incomes are better than 1).
3. Figure out now where you want to live, move there, then get settled and start your life/career (beach, mountains, city, etc.) (Chasing 6 figures isn't necessary if you find a place that allows you to get by for less, plus it's easier to get established in a new place when you're young with less responsibility).
There's a ton more but those 3 stick out to me right now. Money isn't the end all, live your best life, don't be a slave, find a good balance.
Old post but what jumped out at me was how you view money. Stop thinking about it in any negative light. Go listen to Bruce Lipton about re-programming your subconcious. Remember, what you think about you bring about. If you concentrate on a "lack mindset" that's exactly what you will get. Instead create the feeling that you have that which you seek. Once you do, then you align yourself to it vibrationally. (Abraham Hicks)
Yes it might sound like cosmic bullshit. But the most successful people think exactly this way. Consider coming from a family that struggles. This mindset is programmed into you. And you self sabotage yourself from succeeding. Not everyone, but most.
On the flip side you're raised in a family that has wealth, success, and passion. You now have this subconcious idea that no matter what you do, you will succeed.
I came from a family of struggles. Once I grasped this concept and changed my point of view I began to see my success develop exponetially. I day trade stocks part time (I'm on the west coast) with a very focused and knowledgeable group of mentors and like minded individuals. I wake up excited to start my day. Even my engineering job has me completely engaged. Follow your passion and the money will as well. Guaranteed. Be fucking relentless like a man possessed and elminate distractions for a while as you build your fucking empire!
The above advice is what I wish my 20 year old self knew.
Yes it might sound like cosmic bullshit. But the most successful people think exactly this way. Consider coming from a family that struggles. This mindset is programmed into you. And you self sabotage yourself from succeeding. Not everyone, but most.
On the flip side you're raised in a family that has wealth, success, and passion. You now have this subconcious idea that no matter what you do, you will succeed.
I came from a family of struggles. Once I grasped this concept and changed my point of view I began to see my success develop exponetially. I day trade stocks part time (I'm on the west coast) with a very focused and knowledgeable group of mentors and like minded individuals. I wake up excited to start my day. Even my engineering job has me completely engaged. Follow your passion and the money will as well. Guaranteed. Be fucking relentless like a man possessed and elminate distractions for a while as you build your fucking empire!
The above advice is what I wish my 20 year old self knew.
One problem with working (medium sized or large corporations) for someone else is education. In a world where progressive credentialism is a fact of life, it's not what you do or can't do, but what you did in school that sets your income(this is company policy). You have to put working for someone else out of your mind as this will lead to misery as you mature and realize more and more doors are closed without degrees in your background. Back in the 80's you could be a high school graduate in a supervisor position making the equivalent of $80K today, but that's long long gone. That position now requires a masters degree.
If you feel something is a dead end it's best to go through the torture of making a change, finding something that will be more long term.
The truth is there are lots of people that have really good careers, but they crack in their mid 40's and can't take it anymore. I worked in such a career where I noticed all of my peers in misery working 14hrs a day making good money, but it was sucking the life out of them. It sucked the life out of me as well, until I quit.
You gotta save for your future regardless, you have to invest and start building up a savings or retirement somehow because the government is going broke and believe me when you are closing in on 50 you're gonna want to gtfo of the daily grind.
That's what I did, I invested relentlessly and was lucky enough to have my retirement knocked out before I turned 50. I couldn't imagine waking up to go to work, as for me work is a complete waste of time and most of the work done in this country is total bullshit to please the asthetic desire of crazed consumers instead of a real utility need.
As you get older and wiser you realize the only important thing is your time. Material trappings of life, nice house, car, wife's fake tits.....all of it is meaningless, the only thing to focus on his how to escape this rat race of misery we call the USofA.
Americans have been programmed to work like dogs, to keep buying stuff that forces them to keep working. The trick is how do you learn self control, this is something that isn't taught in western culture, it's looked down upon as you are handed a life goal of being a good consumer.
Sit down and add up what it cost to keep a a very modest roof over you head, food and water, cloths, transportation, aas and try to subtract as much of the fluff out of your life as possible, get rid of the entertainment, the dick butter, the flashy toys, train yourself to be hard and to deny your inner consumer and eventually you'll realize you don't need much to live on like the majority of Americans.
So my advice is find a trade where you can be your own boss, you might make less or you might make more, but don't go to work for someone else because your just someone's whore where you come to work everyday, hand the lube to your boss, unzip your pants and bend over until they are satisfied filling you with creampies.
If you feel something is a dead end it's best to go through the torture of making a change, finding something that will be more long term.
The truth is there are lots of people that have really good careers, but they crack in their mid 40's and can't take it anymore. I worked in such a career where I noticed all of my peers in misery working 14hrs a day making good money, but it was sucking the life out of them. It sucked the life out of me as well, until I quit.
You gotta save for your future regardless, you have to invest and start building up a savings or retirement somehow because the government is going broke and believe me when you are closing in on 50 you're gonna want to gtfo of the daily grind.
That's what I did, I invested relentlessly and was lucky enough to have my retirement knocked out before I turned 50. I couldn't imagine waking up to go to work, as for me work is a complete waste of time and most of the work done in this country is total bullshit to please the asthetic desire of crazed consumers instead of a real utility need.
As you get older and wiser you realize the only important thing is your time. Material trappings of life, nice house, car, wife's fake tits.....all of it is meaningless, the only thing to focus on his how to escape this rat race of misery we call the USofA.
Americans have been programmed to work like dogs, to keep buying stuff that forces them to keep working. The trick is how do you learn self control, this is something that isn't taught in western culture, it's looked down upon as you are handed a life goal of being a good consumer.
Sit down and add up what it cost to keep a a very modest roof over you head, food and water, cloths, transportation, aas and try to subtract as much of the fluff out of your life as possible, get rid of the entertainment, the dick butter, the flashy toys, train yourself to be hard and to deny your inner consumer and eventually you'll realize you don't need much to live on like the majority of Americans.
So my advice is find a trade where you can be your own boss, you might make less or you might make more, but don't go to work for someone else because your just someone's whore where you come to work everyday, hand the lube to your boss, unzip your pants and bend over until they are satisfied filling you with creampies.
And another thing.
Most Americans are poor. The media doesn't like to show the shadowy true underbelly of life, but once you've living long enough to see through the Tony Robbins infomercial that is the United States, you realize life is dark, depressing, painful, miserable and completely absurd.
There is no purpose to life, it's a biological accident, nothing but chemicals that became reproductive. We see our flying, crawling ancestors all around us. We are machines with only one function..replication, established by a stupid ignorant process called evolution that had to use trial and error to come up with this huge shit pile we have now.
Lets cut the bullshit and get down to the hard facts of life, not the lies they teach you through relentless propaganda. Sometimes life is a long hard miserable slog, sometimes you get face cancer and they have to saw off half your head off to save you.
No matter which career you choose, or don't choose, know that you'll be dead in 80 years so you're free to do what you want with this 80 and have no need to live up the artificial expectations of those peering eyes all around, judging to see if you live up to their expectations.
Many people, probably most people seem to love to want to engage in high minded joyous talk about how great life is, but the universe doesn't give a fuck about you, just like it doesn't give a fuck about the gazelle running from a lion.
So I will leave you with this. Children born with deformities, poor people in 3rd world countries digging through trash heaps for something to eat, a child being raped by his father.
Life is suffering, that's all there is until you die. That's reality and not the sort of shit you get from the 6 o'clock news.
America is basically a seduction, an exploitation, but once you scratch that bitch just a little you realize it's nothing but a big hunk of fools gold. You won't solve this problem, I won't solve it either, only death solves the crude and stupid game.
Most Americans are poor. The media doesn't like to show the shadowy true underbelly of life, but once you've living long enough to see through the Tony Robbins infomercial that is the United States, you realize life is dark, depressing, painful, miserable and completely absurd.
There is no purpose to life, it's a biological accident, nothing but chemicals that became reproductive. We see our flying, crawling ancestors all around us. We are machines with only one function..replication, established by a stupid ignorant process called evolution that had to use trial and error to come up with this huge shit pile we have now.
Lets cut the bullshit and get down to the hard facts of life, not the lies they teach you through relentless propaganda. Sometimes life is a long hard miserable slog, sometimes you get face cancer and they have to saw off half your head off to save you.
No matter which career you choose, or don't choose, know that you'll be dead in 80 years so you're free to do what you want with this 80 and have no need to live up the artificial expectations of those peering eyes all around, judging to see if you live up to their expectations.
Many people, probably most people seem to love to want to engage in high minded joyous talk about how great life is, but the universe doesn't give a fuck about you, just like it doesn't give a fuck about the gazelle running from a lion.
So I will leave you with this. Children born with deformities, poor people in 3rd world countries digging through trash heaps for something to eat, a child being raped by his father.
Life is suffering, that's all there is until you die. That's reality and not the sort of shit you get from the 6 o'clock news.
America is basically a seduction, an exploitation, but once you scratch that bitch just a little you realize it's nothing but a big hunk of fools gold. You won't solve this problem, I won't solve it either, only death solves the crude and stupid game.
The more I read about this sort of success story the more I realize it's just not gonna happen that way for most people.
I agree work is bullshit. Surfing and travel is a hell of a good way to spend life.
The problem is for every new business start up 90% of them fail in 2 years.
I'm not knocking you, I applaud you for telling work to piss off and spend your time having fun that's the only honest way to count down the minutes until you die.
The most important lesson to realize is that work sucks, working for someone else sucks, doing anything work related sucks ass, even thinking about work sucks. If you have any intelligence at all you will realize that 95% of the jobs are nothing but bullshit, stuff that never needed to be done, it's just a giant civilizational circle jerk where you reach to your right to jerk someone off until they blow their load and you pick up your paycheck.
My hope for the future of this fine country is that the young people stop giving a fuck, just don't give a fuck about anything anymore and let the whole mess go to pot. Just smoke pot and fuck all day long. Sure we have the highest average income in the would of industrial nations, we also have ever increasing suicides, a forth of the population on psych meds to keep from blowing their brains out from the relentless monotony of waking up everyday to wax someones carrot.
Our ancient ancestors would be appalled at what we've become.
We need honesty in this country. Does anyone really like working....fuck no?
malfeasance
Member
Impressive. What was your savings rate during your working life, $ saved/ gross income? I am guessing it had to have been 35% or higher to hit the eject button at 50.
70%.
The problem is I don't think kids today can do this anymore as the cost of living has gotten out of control. It could happen in mass if the kids revolt and decide to walk away from consumerism, education, debt, but I have yet to see a generation impress me in this manner, young or old Americans mostly follow whatever advertising and society tells them to do.
The interests in Socialism is probably because we have reached a point where the average young person today is looking at the mountain they have to climb just to have little taste of what prior generations had with little effort and are saying "fk that".
So I'd say in 30 years this country will be full blown socialist as the demographics change and everyone will be poor which might actually be an improvement for the psyche of this country.
Those that hold pride in hard work and grit to present the tough guy image will be looked at as dumbasses, all those soldiers that died in endless wars to protect the American Dream they held dear, all of that will be for nothing in a few short decades as the country radically changes and loses any identity or purpose, which is a good thing. It won't be long before we'll see complete chaos in the streets. At that point does your social security check really exist, does you retirement really exist...nope. The Empire is coming to an end so enjoy your time while you can because everything you depend on and believe in is about to to blow up in a puff of smoke.
malfeasance
Member
WOW!
Can we all agree that the best advice to give to young people is to stop being a conformist.
How else do you deal with misery, stress, anxiety?
Stop caring what others think about you. Study neuroscience and realize it's all just brains bubbling and fizzing. When someone looks at you with approval or disdain, you tell yourself it's just his/her brain bubbling over with chemicals.
Lao Tzu: Care about what others think and you will always be their prisoner.
This doesn't mean you become a self arrogant prick. What it means is that you honestly accept who you are without the need to feel like shit because you didn't live up to societies expectation.
The OP is making a living, if he enjoys it then fine, if he wants to do something else that is also fine, but know that $40K a year is more than most people around the world make. From eastern europe, russia, central, south america most of asia with $40K you're at the top of the heap, but in the USA $40K is ridiculed because you need to work harder so you can buy more worthless shit.
Does the OP really need more money, or is he obsessed with being judged by others for not having a better career, because life doesn't really work in a perfect linear fashion where you progress until you reach the top and retire. The older you get you see more and more of your friends and family suffer and die, until one day it's your turn to suffer and die. Many people in this country fall flat on their ass and you never hear about it, because the spell can't be broken, the American dream must always be championed and those who lose need to quietly disappear so as to save the American public from the truth at all costs.
America champions the fixation that you are never whole unless you accomplish or purchase product a, b or c. This is the entire purpose of advertising, that you are just one more purchase or goal away from serene bliss.
Reputation, approval, achievement, and power are responsible for human misery, suicide, pill popping, addiction.
Only after you have lived long enough do you realize most of the American dream is contingent on things far beyond your control.
The obsession with achievement by a certain age and if you fail you must hang your head in shame is one of the great tragedies of the human race. A primitive man had few concerns, food, water, shelter and perhaps keeping his clan safe. Anyone today can take care of their basic needs with a simple job and instead spend their lives with family and friends enjoying their free time, but we teach young people to deny this and instead seek happiness in long work hours to buy shit to fill the emotional empty hole of constantly denying what we truly want in life which is community, empathy and unconditional acceptance. Not goal setting, accomplishments, purchases as those things are very short lived. I've watched too many of the people around me die after spending their lives working non-stop and when they finally sit down to relax the doctor tells them they have bone cancer and will be in total agony for the last 9 months of their lives as they wallow in pain, starving, wasting away and their last breath comes from an overdose of morphine.
So don't worry about careers, worry about living your life because you will be gone soon enough.
How else do you deal with misery, stress, anxiety?
Stop caring what others think about you. Study neuroscience and realize it's all just brains bubbling and fizzing. When someone looks at you with approval or disdain, you tell yourself it's just his/her brain bubbling over with chemicals.
Lao Tzu: Care about what others think and you will always be their prisoner.
This doesn't mean you become a self arrogant prick. What it means is that you honestly accept who you are without the need to feel like shit because you didn't live up to societies expectation.
The OP is making a living, if he enjoys it then fine, if he wants to do something else that is also fine, but know that $40K a year is more than most people around the world make. From eastern europe, russia, central, south america most of asia with $40K you're at the top of the heap, but in the USA $40K is ridiculed because you need to work harder so you can buy more worthless shit.
Does the OP really need more money, or is he obsessed with being judged by others for not having a better career, because life doesn't really work in a perfect linear fashion where you progress until you reach the top and retire. The older you get you see more and more of your friends and family suffer and die, until one day it's your turn to suffer and die. Many people in this country fall flat on their ass and you never hear about it, because the spell can't be broken, the American dream must always be championed and those who lose need to quietly disappear so as to save the American public from the truth at all costs.
America champions the fixation that you are never whole unless you accomplish or purchase product a, b or c. This is the entire purpose of advertising, that you are just one more purchase or goal away from serene bliss.
Reputation, approval, achievement, and power are responsible for human misery, suicide, pill popping, addiction.
Only after you have lived long enough do you realize most of the American dream is contingent on things far beyond your control.
The obsession with achievement by a certain age and if you fail you must hang your head in shame is one of the great tragedies of the human race. A primitive man had few concerns, food, water, shelter and perhaps keeping his clan safe. Anyone today can take care of their basic needs with a simple job and instead spend their lives with family and friends enjoying their free time, but we teach young people to deny this and instead seek happiness in long work hours to buy shit to fill the emotional empty hole of constantly denying what we truly want in life which is community, empathy and unconditional acceptance. Not goal setting, accomplishments, purchases as those things are very short lived. I've watched too many of the people around me die after spending their lives working non-stop and when they finally sit down to relax the doctor tells them they have bone cancer and will be in total agony for the last 9 months of their lives as they wallow in pain, starving, wasting away and their last breath comes from an overdose of morphine.
So don't worry about careers, worry about living your life because you will be gone soon enough.
What kind of business or sector?
Megadick3000
Member
Electronics and ancillary products.
Let me make it clear, all i did was buy some shit wholesale from china and resell it online, starting with a measly $350. Stuff that sold the best i focused more on, i did not aim for one specific industry i just catered to whatever sells, the goal being purely the profit. I never even registered myself as a business, i had no overhead because i stockpiled in my own residence so it was pure profit sans the taxes. Once i started paying $100,000/year of personal income taxes i got offended (fucking canadian government) and my accountant helped me open a corporation for a much better tax rate.
My avg profit per item is about $10, my average customer order is about $100 of which roughly 50% is profit. My staff can process an average of 5 orders per hour which would mean an hourly avg profit of $250 for each hour of time my staff are working. My record one day sales was $18,600 of which about 70% was profit and the other 30% my principle.
Whilst many businesses fail its because people go into business using debt and huge commitments like leasing a premises for X years without even knowing if their business plan will work. The best way to start a business is very small with minimal capital needed and the least risks. If it proves profitable on a small scale then you just scale it up for bigger returns. In my case there was no debt used, the business has no overhead to hurt its bottom line, it cannot “fail” because at worst it is neutral benefit to ones life (stuff just sitting in a room in your house) and at most its the first stepping stone to living your dream life. Anyone can start doing this, i did it with $350 CAD so you do not need much capital, just the more you start with the faster the snowball will happen obviously.
The key is reinvesting the profit back into expanding your stock and range of products. If you just spend the profit on taking some chick on a date you will just be spinning your wheels. You gotta have discipline to reinvest that profit continuously until your turnover is big money. Which means you need a regular job to cover your life expenses. Fortunately this type of home ecommerce business is very flexible around whatever your schedule is which is why it can be done by pretty much anyone.
- minimal capital to start (no debt!)
- flexible around your regular job
- very profitable
- no legal red tape to pass
- no degrees needed, could even start as a teenager
- no long term commitments involved
Extremely low barrier to entry.
I dont see why anyone wouldnt be hustling stuff online on the side. The internet is a wickedly powerful tool for both knowledge and making money.
PimpyLongCockings
Member
FINALLY!!
Someone who lays out the proper way to start and build a side hustle. No dreams of opening a restaurant on Main St when they’ve never had experience
No laying out $$$ on overhead.
Thanks for taking the time to outline the proper way.
Someone who lays out the proper way to start and build a side hustle. No dreams of opening a restaurant on Main St when they’ve never had experience
No laying out $$$ on overhead.
Thanks for taking the time to outline the proper way.
