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re: For people on this board under 30
Posted on 1/16/24 at 11:37 am to rintintin
Posted on 1/16/24 at 11:37 am to rintintin
I’ll advise people under 20 to never get out of shape. Once you do it’s hard to come back from it. Always in shape growing up then got busy after college and took 10ish years but woke up one day 50lbs heavier and out of shape. Took 2 years to lose those 50 lbs and now I’m in the best shape of my life but it was tough
1
Posted on 1/16/24 at 11:59 am to SneezyBeltranIsHere
Probably a frickin realtor.
Posted on 1/16/24 at 12:17 pm to tigerbacon
quote:
I’ll advise people under 20 to never get out of shape
I’d advise them to never be under 5’10
Posted on 1/16/24 at 12:24 pm to SneezyBeltranIsHere
But more importantly, never take advice from a guy that has “sneezy” embedded in his username.
Posted on 1/16/24 at 12:26 pm to SneezyBeltranIsHere
I bet you cannot even list some of the barriers to entry on starting a business in today's day and age.
Posted on 1/16/24 at 12:28 pm to SneezyBeltranIsHere
quote:
Also, NEVER have debt. No credit card debt you can't pay off every month. Never have a car payment. Save and buy your home in cash.
quote:
1.) Start your own business. You should move heaven and earth to do this. Take risks. Try multiple times.
There is literally no way to achieve starting a business and/or building wealth without using debt. Unless you come from wealth or have a very unique idea to draw investors
quote:
3.) If you can't pull off the other 2, and you are going to work for someone else, you need to have a corporate role in the upper 2%. This usually means enhancing your education. Don't get a law degree or an MBA or any Masters from a non-elite university. Only from top schools.
This also takes debt to afford those schools unless you come from wealth.
quote:
Also, you need to work your arse off. A MINIMUM of 6 full days a week, every week. No exceptions. Many weeks, you will need to work 7 full days. No one ever tells you this is necessary. It is necessary. Send your family on vacation. You need to stay home and work.
This is stupid
Posted on 1/16/24 at 12:28 pm to SneezyBeltranIsHere
Grant Cardone and Dave Ramsey had a baby and made the OP.
Posted on 1/16/24 at 1:20 pm to SneezyBeltranIsHere
The only part I will do is the debt part. I’m not worried about making $200k a year.
Posted on 1/16/24 at 1:20 pm to BlackCoffeeKid
Car isn’t too difficult if you don’t need a brand new one.
Posted on 1/16/24 at 2:35 pm to SneezyBeltranIsHere
All good except the real estate part unless it’s corporate level. Don’t buy rentals like town homes or villas.
Posted on 1/16/24 at 4:56 pm to SneezyBeltranIsHere
quote:
2.) Find a business to business corporate sales role with uncapped commissions. This will allow your effort to determine your income. I know people who aren't particularly bright who W2 300K, 400K and more in roles like this.
Also, you need to work your arse off. A MINIMUM of 6 full days a week, every week. No exceptions. Many weeks, you will need to work 7 full days. No one ever tells you this is necessary. It is necessary. Send your family on vacation. You need to stay home and work.
I have one of these jobs, and I promise you we don't work past 11am on Fridays or ever exceed 40 hours a week!
This post was edited on 1/16/24 at 4:57 pm
Posted on 1/16/24 at 5:03 pm to SneezyBeltranIsHere
Sometimes things just happen for a reason
That would fly in the face of some of your advice, which had some good insight. Not that I'm a worthy judge. I'm old and poor. I'm pretty happy on a daily basis though
That would fly in the face of some of your advice, which had some good insight. Not that I'm a worthy judge. I'm old and poor. I'm pretty happy on a daily basis though
Posted on 1/16/24 at 6:13 pm to SneezyBeltranIsHere
quote:
I am willing to take all of the bullets in this thread if one person in their 20s or 30s benefits from it.
Time to nut up or shut up. Show your bank accounts, with a tab open on TD
Posted on 1/16/24 at 7:15 pm to SneezyBeltranIsHere
quote:
Also, you need to work your arse off. A MINIMUM of 6 full days a week, every week. No exceptions. Many weeks, you will need to work 7 full days. No one ever tells you this is necessary. It is necessary. Send your family on vacation. You need to stay home and work.
This always cracks me up lol Slave away during the years you're most capable of doing fun and enjoyable things so that you can have money when you're old and decrepit and can't do jack with it
Posted on 1/16/24 at 7:59 pm to SneezyBeltranIsHere
quote:
Never have a car payment. Save and buy your home in cash.
Rates are relatively elevated right now but you’d be an absolute retard to buy your one with cash when rates were 2.785% and if you get get 0% or slightly higher on a car you should do that to and put that cash in higher earning investment.
Overextending yourself with debt is not a good decision regardless of rate.
Posted on 1/16/24 at 8:39 pm to SneezyBeltranIsHere
Sneezy ---- It would be great to see how these same people feel 30 years from now about your advice.
I have never carried a CC balance, except for 4 months where my wife bought a few "unnecessary" things [about a months salary worth] after having our first child.
I have always paid cash when buying a vehicle. Have always paid cash for anything related to my hobbies. IMO, if you can't pay cash for a "TOY", you should not be buying it. I have paid off 2 of the 3 homes I have owned. Really wish I had paid cash for this last home.
I retired almost 24 years ago at the age 53. Retirement is great.
I have never carried a CC balance, except for 4 months where my wife bought a few "unnecessary" things [about a months salary worth] after having our first child.
I have always paid cash when buying a vehicle. Have always paid cash for anything related to my hobbies. IMO, if you can't pay cash for a "TOY", you should not be buying it. I have paid off 2 of the 3 homes I have owned. Really wish I had paid cash for this last home.
I retired almost 24 years ago at the age 53. Retirement is great.
Posted on 1/16/24 at 8:49 pm to JohnnyKilroy
Mattz nailed it. This is a 22 year old applying to law or med school that is taking the OT for a ride.
Posted on 1/16/24 at 9:01 pm to LaLadyinTx
quote:
When it comes time for promotions or layoffs, it will be noticed and mostly, that has proven true.
In corporate America, you're far more likely to see a scenario where the diligent man is working his tail off, and gets more work to do while hits diverse team mate is promoted for equity's sake.
Posted on 1/16/24 at 10:12 pm to SneezyBeltranIsHere
How about I take your suggestions, turn that sumbitch sideways and stick it straight up your candy arse!!!!!!!!!!!
Posted on 1/16/24 at 10:48 pm to RoyalAir
quote:
In corporate America, you're far more likely to see a scenario where the diligent man is working his tail off, and gets more work to do while hits diverse team mate is promoted for equity's sake.
I worked in a male dominated industry. The company decided to actively recruit more women to the workforce. One day a new employee was assigned to work for me. It was a Jamaican woman who was born there and since became a permanent resident in the States. She worked her butt off for me, we both had a mutual respect for one another, and she did great, but was way down the chain in seniority for her position. Then we lost a contract and we knew the chances of a layoff was high.
I resigned before it could happen to me. The woman came in my office worried about getting laid off (she mentioned this several times before). I closed the door and told her we can have a conversation where I use corporate jargon, buzzwords, consult a policy manual for situations like this….or, I can talk to you like we are having after work beers at the local watering hole. She said she wants the watering hole talk. I told her to friggin relax and there is no way they are going to lay off a black female with hard to achieve academic certifications, and they will lay off a seasoned guy to keep you around. She smiled, laughed, and felt better.
We kept in touch after I left. She never got laid off and instead was promoted. She was a great employee so she earned it, but the company looked at the situation in a different light.
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