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Rant/VentingSome of My Personal Life Lessons For Those Under 30 (self.TheRedPill)

submitted by musicvita25

I've recently rediscovered this fantastic sub and wanted to offer some hopefully important advice to those in their twenties and even late teens. Although I am learning every single day I feel like since turning this age my outlook and opinions have dramatically changed. I want to offer these as I go along:

Chasing Women is a waste of time Luckily Tinder etc is the norm. Women do not disappear they are always there. Always. If desperate for a bang, drop your standards. But do not under any circumstances focus on it. Yes I got laid a lot, not as much as I wanted to however they are memories you share with your buddies over a beer, and they make you smile for about 1 minute. Thats it. But what I will say is get it out of your system. Fuck around, fuck an asian girl. Fuck a spanish one. Have a ONS. Do it, enjoy it. Then you'll know when you don't have the energy for it anymore that its out of your system unlike the beta that settles for any thing, and you can chill with a respectable LTR.

Lack of Goals = Lack of Improvement WRITE YOUR GOALS DOWN. All of them, and set yourself realistic targets. Do not just say "I want to lose weight" say "i want to lose 5kg in 2 months. Those who do not have clearly defined goals are wandering lost souls. Write your goals down, and stick to them. This will bring you greater pleasure then getting laid a lot trust me. Do not be a male bimbo.

Going out every weekend Biggest waste of money, time, energy and so on. I have stayed in on weekends for last 2 years half of it single and had the time of my life. Maybe cos Im 30 but seriously I do not recall one night that was "life changing" and so on. Its a load of shit and in the antisocial socialist heavy society we live in most people are insecure assholes in bars etc. So really think about it, on your days off/weekends why would you choose to go to a place full of people that are a bunch of cunts? Go to dinner, get a hobby, improve yourself, work on a project, even play a video game that you can improve on. Going out is finished. Again nobody on their deathbed ever remembers the night they go to the bar full of average to sexy looking women who were rude or might have fucked you.

Invest Real estate, shares, anything that produces income. Do not invest in something that gives you no dividends. Its a load of bullshit.

There will always be another job, but not another life If you need income, work, but if you want to be successful work for yourself. I realised at 23 that my bosses at all my jobs were no smarter than me, and I refused to ever work for another incompetent asshole again. Funnily enough 7 years later each one of those bosses have either been fired, company closed or quit. You got one life, do whatever the fuck you want on YOUR terms.

*Do not go to College Unless you are studying law or medicine, DO NOT BOTHER. Do not get yourself into THOUSANDS of debt, for a piece of paper. Im a college dropout, zero debt, worked for myself, whereas others I know cant even fucking go out as they are crippled with student loans. Do not do it, youre only doing it for the social life, and again thats a bubble not worth staying in for that amount of debt.

Friends come and go Seriously the friends I have now to before are chalk and cheese. If you dont like a dude, do not hang out with them. Also like to add, do not socialise with women. They are at their worst right now and are selfish beyond belief. Those who are lucky to use them to get laid etc well done, but majority of us have never been so fortunate. They offer you nothing good at all and I havent had a female friend (that i wasnt banging) for 3 years. Couldnt be happier.

Assume bullshit I believed everything I was ever told. We live in a bullshit heavy society. Do not believe a single word. None of it. Whether its in business or socially. Assume bollocks, smile, nod and don't give a fuck.

Its easier to make money for yourself then ever A guy I know had no money, no prospects got a business loan and paid it off in 13 months selling fucking burgers for a stand and is looking to expand. Seriously, take the hit, totally worth it.

Get dumped/Break up Greatest life lesson ever. Best painful experience too. If you've never had this, you've never lived.

Delete all social media Biggest waste of time ever, use it ONLY for trying to bang a girl or promote your business. Anything beyond that do not bother.

Take the risk Invest the money, ask her out, do something stupid, put a lot on red, but all within minimum. Ive gone extreme on all this, I've lost a lot of money, Ive done plenty stupid things, i put a lot on red and black came up. Don't regret any of it, lifes too short. But be warned do not overstretch yourself. Dont put it ALL on red, eggs in one basket and so on.

Last but not least Do whatever YOU want Your family, friends, spouse, teachers, boss do not know you. They think they do, but they are fucking stupid. You know you, and only you can do what you think is right. Trust your heart, but not what you think your dad would like etc. I'm telling you to be selfish because its not their lives its YOUR lives.

You can honestly achieve anything in your lives. Seriously, the amount of shit wankers told me and I proved them all wrong is the greatest feeling ever. I want you to know that you will be hated for all of this because it goes completely against the grain. But thats what this sub is about. Its about becoming the man you always wanted to be.

Edit: Life lessons to youngsters


[–]Ezaar 468 points469 points  (100 children)

Solid.

I think the college bit should be considered based on the desired discipline. But that’s somewhat implied.

[–]kamikaze2001 207 points208 points  (81 children)

Depends a lot on the circumstances. But truth be told, having no degree is better than having an arts major with 75k of debt at 5-10% interest.

[–]BeachBum09 189 points190 points  (58 children)

Computer science. You can graduate making close to 100k. One of the highest paying 4 year degrees. Totally worth it.

Before someone comes in saying bootcamps, learn on your own, or stories of a friend they know who got into it without a degree. Is it doable? Yes but the road isn't as easy. Big time employers with a solid tech department knows that a few week boot camp on just learning code simply scratches the surface. They know that the basic foundation of comp sci concepts weren't learned. That likely basic programming problem solving skills weren't learned. You won't be getting that high starting salary offer. Rather you will still have to do some form of work to get there. You might get hired as a Dev who simply does very basic stuff like simple bug fixes or label changes. You will sorely have to gain the experience to where your job experience is what the next employer will look at instead of your education or lack there of.

Choice of school is a big one. If you get a degree and it costs you 50k, that seems like a lot. However, getting the degree and getting a starting salary of 90k is better than not getting the degree and starting at 50k. Especially considering that after 2-3 years the guy with the degree can now go to a different company making around 110k while the guy without the degree might be at 70k. Within that two years the guy with the degree made more money even if he paid off his loans within that time.

People need to do this type of logical analysis when looking at going to college. They need to have a direct plan for their future and have the ability to stick to it. Research the highest paying degrees. Find a few that seriously interest you. Then look at the salary ranges for positions with those majors. Find average starting salaries, average salaries for 3-4 years of experience, and then the upper range. Look at the potential cost for the degree. Does the salary figures from the info you gathered make this degree worth it? Would you ultimately end up making more money than the average worker? If not you need to look into trades. Hell, even look into trades to start as your base comparison. Will that degree including the cost be worth it when compared to a trade where you didn't need to pay for school?

Some degrees are incredibly worth it but like anything good planning needs to come into play.

[–]HappyMexican 48 points49 points  (19 children)

Difficult and a bit optimistic. The amount of mathematics it takes is what holds most people back from finishing a CS degree.

100k? starting pay for a lot of CS degrees is like closer to 60 - 70k. But then I live in the midwest so maybe thats why its lower.

School choice Doesn't matter as much as you think. You could get a online degree (Make sure the school is accredited or a state school with online program). And ya your pay wont be 100k, but you could still get IT jobs starting pay between 40 - 50k.

That being said after like 5 years 100k is totally a possibility. And I totally think your right in suggesting CS degree. 70k is still plenty to do whatever else you wanted too. I got a MIS degree and I make 60k. Just got back from las vegas where I had a blast. I have also visited China, and Austin Texas over the summer as well! Tech jobs are good paying.

[–]BeachBum09 13 points14 points  (10 children)

I'm just putting into perspective the differences between going for the degree and not. The salaries are just figures used based loosely on what I am aware of. More so used as an example, a hypothetical. I mean yea, Facebook and Google were offering up to like 110k for new graduates but thats in silicon valley where even at 110k you'll be living modestly.

The math is not even that daunting. I am and was the poster child for "terrible at math and deathly afraid of it" throughout my years in school including college. The way math was taught just never reached me. I guess I think differently which is why programming came naturally. I did horrible in calc. So bad in fact I had to plead to my professor to pass me so I can graduate. But once I started taking some of the CS centered math courses they never felt like math. Just abstract CS problems. Also, I did not have a lot of math associated with my CS degree. Truthfully the basics of math is really all you need. I think people get discouraged by the math involved because they see the symbols and letters and get overwhelmed. The thing about math is they teach it just as numbers and how they work together. "Solve for X in this arbitrary problem consisting of a formula of numbers." Which makes it hard to conceptualize. Just give me a problem involving real world situations so I can associate the numbers and figures with something tangible. If you look at the "math" involved with neural networks the formulas look incredibly intimidating. Except you can't view it that way. You have to view it as a symbol, a representation of something else. Pretty much that complicated symbol you see is just a simplified version of a bigger formula. It's essentially a variable. You take all of these outputs and put it in this variable so form now on we are just dealing with this variable instead of having to know the intimate knowledge of what's going on inside.

Like I said. I truly did not have a lot of CS math courses past things like discrete math and linear alg. I also have been an engineer for over 7 years and have not come across a situation where I have had to use complex math on the fly or where I could not look up a mathematical solution for a problem online and apply it programatically. If I need some random generator or to pull something random from a collection, I won't sit down and write out a complicated math problem using logarithms to produce said random generation or whatever other output I want. I would look at articles explaining random number generation in math or other concepts and apply them to my program. I only need to understand that particular solution at that one time. I don't need to be an expert on logarithms and continually hone my skills there for when I need to use it down the line.

A software engineer is sometimes more about knowing how to fix the problem but not knowing the intimate details on how to get there. You then learn or research those details and concepts and continually break the problem down and filling in any gaps in knowledge through said research. I know that I want to randomly display images to the user from their photo folder. I know that I would need some random number generator that will work upon a range of numbers based off the count of pictures. Oh, I realize that pictures see to be repeating too often? I will look up some other mechanic on how to track this and mitigate the issue. Or I can research similar tactics used by others. I wouldn't want or need to come up with some complicated algorithm on the fly.

[–]Gallobrax 2 points3 points  (6 children)

Semi related: You seem to have your head screwed on right as you are obviously dealing with some high level work. Perhaps then you can provide me some feedback.

When I started college I initially went for a degree in computer science. In my case the math on the curriculum actually washed me out of the program so I did what most in my situation would do: I switched majors. Luckily this was into economics which I think gives me a better foundation then IT alone. Incidentally my career path hasnt changed much (minus an initial auditing job I took.) as I'm now a quasi systems admin/hardware specialist.

Despite this i am recently finding myself very bored and very broke (Its a startup of 2 years) however the job has taught me a lot especially as it concerns microcircuitry and electrical work. I've hit a wall now though at the startup and need to expand further. With what I've described in brief is it in your experience better to focus on hardware or software?

[–]BeachBum09 3 points4 points  (3 children)

I'll be completely honest I don't have any experience with the hardware side of things. My opinion is that if you hit a wall and are getting that negative feeling about your work than you need to look at the market. You're in the tech category one way or the other which is great. You can always make that resume look great for the prospective role.

I don't think you should be wasting your talents at a place that makes you feel the way you do about work. Maybe no fault of their own. It's like any relationship. Sometimes they run their course. You just owe it to yourself to see what's out there. You spend a significant chunk of your life at work. You can't dislike that much of your life and truly be happy.

You have specialised skills. Shop them around. Do you honestly like software and programming? It's not for everyone. If you do. Go for it. I said that experience trumps all education for the most part. Only thing I know is there is a lack of solid software developers. Not just good senior guys but there is a lack of people willing to learn. It's not always about pure development and code. You have to learn the company's personal business application of it all. Not many people have both the social skills or ability to translate what someone who isn't a developer is telling you into build into something that can be properly translated to a technical problem. Then ultimately a solution can be worked out.

If you like that kind of thing you'll have no problem getting hired and quickly moving up in your career. Don't let momentum set it. Always bet on yourself. It's got the best odds in the house.

[–]pchthrowaway 1 point2 points  (0 children)

Personally biased on this one, but people with hardware experience make great software engineers. My schooling was in EE and very hardware focused but I’ve worked mostly in software. The expense of getting hardware right provides an incentive to get the software right early by habit. A lot of the formality in hardware design prevents the almost constant rework you see in the software world. There is software trade stuff to learn along the way, but you just gotta be open to it.

[–]Gallobrax 1 point2 points  (1 child)

I see your point and it's what I've come to the conclusion of myself. Onwards and upwards as someone once said. Thank you for the perspective, unlike others I do have a solid foundation I just need to explore my options much the same as I need to with women.

[–]BeachBum09 0 points1 point  (0 children)

Good luck. I'm sure you will do fine. Again, bet on yourself. Best odds in the house.

[–]theoracleofbromaha 1 point2 points  (1 child)

I had a very similar experience, however ended up getting a degree in Technology and Operations. It’s the business side of Industrial Engineering. However by specializing in Enterprise Software and learning SQL I am now making around 75 grand with 3 years of work experience. Find out if software is truly what you love. You don’t have to be a developer to make the money that the industry offers. Look into project management and agile certifications. Software engineers are seriously fucking happy when they get a new project manager or BA that actually knows how to write some code and understands basic software architecture.

[–]Gallobrax 0 points1 point  (0 children)

This is a good thought thank you.

[–]deepthr0at 4 points5 points  (2 children)

Currently a senior in college for my BS in comp sci and got most of the math out of the way, honestly the worst part was getting through basic algebra/trig after being away from it for almost a decade, even the dreaded Calc 2 was not too bad if your fundamentals from algebra/trig were sound.

Once you get to higher levels of math it actually becomes fun in a challenging sort of way and you actually start to appreciate the beauty of certain formulas and equations. And this is coming from someone that absolutely hated math in high-school.

[–]Schultzie98 1 points1 points [recovered]

I'm in Calc 3 and still waiting for math to start being fun lol.

[–]BreakingRed_ 7 points8 points  (0 children)

Difficult and a bit optimistic. The amount of mathematics it takes is what holds most people back from finishing a CS degree.

Good.

You wouldn't want to get a degree that everyone can get, as the value of the graduate would surely plummet in a few years.

[–]daprospecta 5 points6 points  (2 children)

I make 100k in Austin but that's not the standard and that's with 6 years experience. Unless you are graduating top of your class from a top it school, 100k isn't happening unless your in San Fran.

[–]HappyMexican 0 points1 point  (0 children)

Nice hire me please.

No I agree with you, only way I could realistically make 100k in the next 5 years is probably trying to become a database admin, and that would mean tons of work and being on call 24/7. I really don't think I want that much stress personally, I like my free time.

But I remember reading somewhere, average person really only needs around 70k to be satisfied. That is probably all I am aiming for in the next 5 years, maybe 75k with inflation rates staying the same. Life needs a balance between work, hobbies and free time. 70k salary with little on call or after hours work is all I want.

[–]HisokaMoreau 0 points1 point  (0 children)

yup make the same about in nyc, been working it jobs since 18, 10yrs later Im in that range, granted I switched my focus to linux/cloud computing and that field is hot

[–]satellite779 7 points8 points  (3 children)

In big tech centers (NorCal, Seattle) 100k is bare bone starting salary. With stocks, should be at least 120k, probably a lot more at Facebook and Google. It's ridiculous but it makes sense: computer science jobs are automating other jobs so there's more of a pie going to programmers

[–]Robocompany 1 points1 points [recovered]

Can confirm. Google, Amazon, Microsoft pay about $130k starting salary.

[–]satellite779 1 point2 points  (1 child)

Yeah. With some experience, it's not uncommon to work for well over $200k even if you're not a genius.

[–]HisokaMoreau 0 points1 point  (0 children)

bro!! Deadass, had a guy that worked with me, literally couldn't even do an ls command w/o a screen share and he was making 160 lmao, many ways to get it

[–]1dongpal 14 points15 points  (2 children)

fuck all this. make your own business

[–]wanderer779 6 points7 points  (1 child)

Just look at it like any other investment. What is the initial outlay, what is the stream of cash flows, and how sure are you that it will work out? The first two are easy, the last one is a bit trickier and would probably require a full post.

People try to oversimplify things. "no one should go to school, it's too much debt" is just as dumb as, "education is priceless, money is no object".

[–]BeachBum09 2 points3 points  (0 children)

Agreed. I just think that some people when dealing with decisions like these don't get analytical but rather start imparting emotions and feelings into the decision. They feel that if they study something they really like but doesn't pay well that they will be one of the lucky ones who gets the higher paying jobs. We tend to see ourselves in a good light and that it will somehow work out. You need to remove the emotion and feelings from the equation. Not necessarily to make the right decision but to make an informed decision. The result you come to when removing emotion and feelings can be just another metric used to decide. However, it's still important and essential information to be aware of.

[–]PM_Me_TheBooty 5 points6 points  (11 children)

I entered the workforce as a programmer after self study and make 65k in a very poor area. College isn't needed. There aren't degrees for new programming languages even

[–]BeachBum09 9 points10 points  (5 children)

That's because programming languages are irrelevant. Any CS course worth it's salt doesn't teach programming languages. They teach computer science concepts. Semantics vs Syntax. If your course, boot camp, or college cs major focuses on programming languages over the concepts of computer science you got robbed.

Having experience or knowledge on a language or a few languages means nothing if you don't know the basics they are all based off of. We don't learn basic comp sci concepts using C++ because C++ is somehow a great language. We use it because it's basic enough to be able to teach the concepts. Once you know the concepts the language in which you program is irrelevant. Last year I needed to do some Python stuff. Never used python before and really never interacted with the code. It took me no time to get the lang of it. You just have to look up the syntax. No prospective computer engineering student should focus solely on the languages. Languages come and go. New ones pop up all the time and fizzle out or take over the new "best" spot. They change so often with new ones constantly coming out that it would actually be a disadvantage to focus your time learning them as opposed to the basic concepts. Hell, learn pseudo code first. You don't even need syntax.

"If this is bigger than this, do this." is the same as

If (x > y ) { ... }

is the same as

If x > y Then ... End If

is the same as

x > y ? option1 : option2

All different ways in different languages. Yet my first sentence made using words and plain english represented the same thing.

I'm glad you found a job making okay money in a poor area. I'm not sure of your experience or how long you have been working but 65k is way underpaid for a software engineer. The national average is like 110k. Obviously that includes people with many years experience. I'm just trying to highlight the visibility of the education. Yea, you were able to self teach yourself. That's great. However, you likely had to start at a smaller company. One which pays less, which is why you are getting 65k. If your company is a bigger company that usually pays more, you got 65k because of your lack of qualifications.

Now, I am not saying 65k sucks and I am most definitely not saying you aren't qualified. Fuck, you might be better than half the people I work with. But that fits into my point. Your resume did not show formal cs education. So even if you might be the best programmer they have, they don't know that. So your salary is lower to start. Then when you go to a new company after 2-3 years your experience nullifies education or lack of. Then you can make the better money. Facebook, Google, etc will not hire someone without a college degree as their first engineering job unless they have some very impressive experience and projects on their resume. Many large corporations looking for engineers are the same. Those are the companies that tend to pay more. So you are eliminating yourself form the higher paying companies, at least initially. That's the point I was trying to make.

[–]PM_Me_TheBooty 4 points5 points  (4 children)

Nah this is the pay in my area. Of I lived in ny I would need a salary of 110k to live the same quality of life. Companies want people who can do the job. They don't care about theory.

[–]BeachBum09 4 points5 points  (3 children)

I wouldn't show up to work tomorrow for 65k. Software engineering salaries are pretty standard across the country. They have to compete with everyone. It isn't like most professions. I think you should do a little more research because you are very much being underpaid if you think you can do the job without knowing the theory.

[–]PM_Me_TheBooty 5 points6 points  (1 child)

Nah the median in my area is 70-75k. I am underpaid but local economy is a real thing you don't seem to be accounting for. I do intend to apply for a senior position. That would put me around 100k.

[–]BeachBum09 4 points5 points  (0 children)

Good to hear. I was just wondering why so low. Good luck on getting that senior position!

[–]HisokaMoreau 0 points1 point  (0 children)

hell yes, devs at my place at making 150-200 (NYC) but yea ur def being underpaid at 65k for software engineering

[–]Cesare_MA 1 points1 points [recovered]

You've clearly never seen a half decent CS program before. Some of my friends are in one of the top CS programs in the country (easily top 10, probably top 5) and it is hard as fuck, not to mention they're some of the smartest kids I've ever known.

Good on you for making it without college, but don't knock it unless you've already studied CS at MIT or something and thought it was stupid.

[–]PM_Me_TheBooty 0 points1 point  (2 children)

Cs has nothing to do with programming.

[–]Cesare_MA 1 points1 points [recovered]

I don't mention programming once in my post.

[–]PM_Me_TheBooty 0 points1 point  (0 children)

No but I did. I'm a programmer. Not a computer scientist.

[–][deleted] 3 points4 points  (1 child)

I graduated recently from a no-name university with a comp sci degree. Currently have a job as a software engineer making more than my parents.

Even though I enjoy what I currently do, eventually I'd like to start my own business, maybe doing something unrelated to my current field.

Yes, i have some debt, but I come from a home where money was always short and a concern. So to be where I'm at right now in my early 20s, its easily the best decision of my life. Highly recommend to others.

I think OP had the right idea, just didn't understand the breadth of good degrees that are out there. Certainly don't go to college to get a "hobby" degree. Get a STEM degree and start making something of yourself.

[–]BeachBum09 1 point2 points  (0 children)

I'm with you on starting my own thing. Just gotta figure out what that thing is

[–]TemplesOfSyrinx 2 points3 points  (2 children)

Computer science is also one of the few disciplines where you don't necessarily need a degree to get a job.

I hire developers based on what comes out of their mouths during an interview and if they can prove to me that they are technically adept for the work. To that end, I've passed on Deans List graduates in favor of self taught applicants based purely on how they did in their interviews.

If you really want to pursue a career in software development, remember that it's not just how well you can code. It's also how well you can communicate, how well you can get along with others, the impression you make with clients/users.

[–]BeachBum09 1 point2 points  (0 children)

Exactly this. I was simply stating starting credentials. Sometimes it's tough when some companies have these very strict guidelines.

[–][deleted] 1 point2 points  (1 child)

You're way better off studying comp sci on your own. You can learn exactly what you want without all the uni frills, much quicker and completely free. As an engineer, I'd even extend this process to that. I've learned more post degree, specific to my interests than I ever learned in school.

[–]BeachBum09 0 points1 point  (0 children)

Again. I agree. However, a vast majority of corporations and companies you would want to get into do actually look at degrees. It was simply part of my discussion on how writing off college is not necessarily a good idea. It's all about analyzing the numbers.

The previous place I worked at wouldn't even call you in for an interview if you were a self taught programmer with no college. Is it a shitty metric? Yes. However a lot of these corporations get a lot of applicants for their junior (fresh out of college) roles. The degree simply is another way the lean out that list. I have seen it done at my previous place of employment. Applicants fresh outta college with the degree and very little experience were chosen over the applicant with multiple personal projects but with no college. They didn't even bother to bring in the guys without the college.

As I continued to say, once you get the first job it's no worries. People tend to look at experience at that point. I prefer the experience over if you have a degree or not any day. It's just an unfortunate fact that a lot of companies feel that the person with the degree is the "safer" bet. If that guy comes in with the degree and is an utter fuck up, the person who hired them can just say "he did fine in the interview!" but if he didn't have the degree his boss might ask him "wtf were you thinking. He doesn't even have a degree!" It's more of a way for middle management to cover their asses when it comes to potentially shitty hires.

I honestly don't care about grades or your degree (past being a failure at college with shit grades). I interviewed guys who just graduated from top name schools in the field with a perfect 4.0 gpa and they couldn't work their way out of a simple fizz buzz program on a white board. While on the other hand I have interviewed people who graduated from a mediocre school with an information systems degree who picked up programming at their previous job due to necessity and they killed the interview. It's more about the person than these qualifications. It's just unfortunate that some places put the degree as a limitation in a way to weed out some applicants easily.

[–]ButchersBoy 0 points1 point  (0 children)

You can earn that in CS without a degree and the debt. I do.

[–]circlingldn 0 points1 point  (1 child)

fuck cs if youre not good at math....accounting degree/finance and get a accounting job in the big 4 or lower....then work as a fin controller and earn $140k + a year easy

[–]BeachBum09 1 point2 points  (0 children)

Been a computer engineer for over 8 years now. Never had to be good at math. Just not an idiot. All you need to have is the ability to look up and get gain a topical knowledge on a particular subject to achieve the result.

[–]bwoodski 0 points1 point  (0 children)

Comp sci not so much. I graduated with a degree in econ, hating making spreadsheets and just learned to code on my own, with paid courses and a $50 course at my local CC.

In tech all that matters is that you ahve the skills. Most comp sci grads cant even code well.

[–]batavianguy -1 points0 points  (9 children)

Computer Science jobs right now is in the sweet spot of high demand and low supply. I don't think it's the case in the next 20 to 30 years. At that time, CS jobs would just be as commonly supplied as accountants, economics degree jobs, etc

CS is a low barrier entry field. The only reason it's not as common as accounting, management, etc right now is because Computer related fields are still a novelty.

In the next decade or two, general public perception and understanding of the technical aspects behind computers would be as normal as people's current understanding of car engines.

CS jobs will be having oversupply in the next decade or two.

[–]alpha_male_number_1 2 points3 points  (1 child)

I don't know about that. It requires effort. We live in the Tinder age. The instagram age. It may very well be that supply continues to dwindle. Although it may be abstracted so it can be more easily grasped, those who do the nitty gritty will still be hard to come by. It takes TIME.

[–]batavianguy 0 points1 point  (0 children)

as is accounting, engineering, med, and pretty much every skill-dense degree. CS jobs right now is having similar time as engineers did back in the times of Rockefeller and Carnegie. Right now the demand is high while supply is low but as time goes it will stabilize

[–]BeachBum09 1 point2 points  (4 children)

No they won't. Demand is only increasing and there aren't nearly enough to fill all roles.

[–]batavianguy 0 points1 point  (3 children)

Yes it will. It is the case in India, my country, and many asian countries. CS jobs don't suddenly become dirt poor, of course, but it's value goes down as supply goes up. I don't know why the American Public has generalized CS people as 'weird nerds' but as the generalization begins to fade now and you can see how so many people say "Just pick up CS!" "I picked up CS! it's so great!" in recent years, i think it's a safe bet to say that CS graduates supply would rise significantly

It won't be dirt poor but obviously it won't be as valuable as it is now.

[–]BeachBum09 0 points1 point  (2 children)

It won't in the US. The biggest problem we have in hiring is finding US citizens who can speak fluent English. All studies and projections on CS careers show a projected lack of students graduating with the degree for the jobs needed to be filled. We can already look out 4 years from now. Projections show an uptick in engineering jobs but when you look at the current incoming class in college there isn't enough taking cs or similar degrees to fill that increasing demand. Another 4 years isn't going to magically change that.

[–]batavianguy -1 points0 points  (1 child)

that's why i said it will probably happen in the next 10 to 20 years. 4 years is too short.

[–]NapoleonicViewgraph 0 points1 point  (1 child)

It’s a hell of a lot harder to be a good software engineer than a middle manager. It takes a special kind of person, which naturally creates scarcity in the market.

However the massive importation and outsourcing of jobs to asia is counterbalancing that.

[–]batavianguy 0 points1 point  (0 children)

Yes, but middle manager is just one example of oversupplied position. To be more precise, software engineering doesn't take a special kind of person, it is a job with specific skill like Accounting, Engineering, etc.

Right now the hype for CS is extremely on the rise. Im not saying CS jobs will be dirt poor, but the salaries will drastically lower down.

Such case is in my country. My father was one among the pioneering generation of first IT experts. Used to be paid huge, nowadays similar jobs only pay 60 to 70% it used to (counting inflation)

Right now my country is saturated with CS jobs and I'm pretty sure the same thing could easily happen in USA. After all, yes, a lot of increasing CS graduates in Asia have begun taking up outsourced jobs from US

[–]MrInternetDetective 11 points12 points  (1 child)

I went through one year of public university and dropped out. Couple thousand in debt. Moved cities, got an IT job off craigslist which is what I was going for anyway. Didn’t need to get certs or anything. Making good money for myself at a good company and only regret listening to my parents telling me “there’s no way you get a job without a degree”. I am getting offers for different positions every week. Do not take every word from boomer parents as truth.

[–]HappyMexican 8 points9 points  (0 children)

Yeah your right, but when it comes to average 18 - 25 year old, I still say they should do school.

It is more of a factor of they need to go to a Junior college first. Spend the first 2 or 3 years fucking around and finding a major they like. Jucos are practically free so if they drop out no big whoop.

once they hit the job market with a IT degree they will get snapped up and not be forced to work for minimum wage Tier I calls (I did this) for years before moving up.

[–]Raz0rLight 1 point2 points  (0 children)

True, you want a functional degree in a viable market. But different countries have vastly different study investments, and many at zero interest. Id say the US study cost is one of the highest if not the highest by far.

[–][deleted] 1 point2 points  (0 children)

What about engineering, accounting, finance, economics, etc.?

[–]newls 1 point2 points  (0 children)

Also depends on the country. In the UK you pay it back in what is effectively a graduate tax. It's technically a government loan but you don't actually have to pay it back if you don't have any income, and the repayments scale up as your income grows.

The socialists in this country love to cry about students graduating with thousands in 'student debt' but it's all BS. In practice it's just another form of income tax.

Easy to pay off. It does not affect my credit score, credit card applications, nor my mortgage. And if you emigrate outside the EU for enough time then it's wiped clean, if you're inclined to move country.

So if you're doing a STEM subject then it is of course worth it. But even if you're doing an arts degree (God help you) there's no serious financial risk at all.

[–]buddhadarko 3 points4 points  (0 children)

This.

People need to step out of the mindset that society has pushed that tells us that we NEED college or we are nothing. Lots of people are successful that either dropped out or never went to college. Fuck it. It's nothing but a business and they only care about you while you're enrolled they are receiving money from you or from your loans. Nobody asks about you when you get your degree(s) and you're struggling to buy food and shit because you're trying to pay those loans off.

Fuck college unless you're doing law or medicine, like OP said.

[–][deleted] 0 points1 point  (0 children)

It's a glorified / elitist trade school. Go for things that you have a plan for employment and a way to pay back your debt. If you can't answer those ?'s go to community college part time while you work, go learn a trade, or start a business.

[–]ayylma088 0 points1 point  (0 children)

depends on the country. Ever heard of free education?

[–]regpaq 11 points12 points  (0 children)

And not all college degrees cost more than $50k. I went to a state school in CA and tuition during my time (3 years ago) was around $3k per semester. I also went to a community college first which was under $500 a semester. I ended up graduating with a business degree and no debt by being smart with my money. My friends without degrees are struggling and I'm maxing more than twice as much as them. Not going to college shouldn't be advised as a blanket statement.

[–]Drumcode-Equals-Life 10 points11 points  (2 children)

You should only go to college if you're going to study a field that will pay for itself, I'm an engineer who paid off his college loans in three years, in debt free as I turn 26, feels good man

[–]HappyMexican 0 points1 point  (0 children)

Yeah all high school students need to be taught what STEM is and how important it really is. I didnt find out about the term til my second year in college...

I would even go as far to say if it is not STEM then don't bother. Too many English/art/music majors struggling financially even if they are successful.

[–]Kampizi 5 points6 points  (0 children)

Get a general degree, sucks to hit a wall where grammar matters and you realize you can't write at a college level

[–]therowdygent 4 points5 points  (2 children)

OP is right about college, most degrees aren’t worth the debt. Better yourself and learn a trade.

[–][deleted] 6 points7 points  (0 children)

At least with a trade you can be working for yourself in 5-10 years. It’s a lot easier to run a plumbing or construction business than an engineering firm with limited experience.

[–]Ezaar 0 points1 point  (0 children)

This is a viable option if college isn’t appealing.

[–]DroppinDimes52 3 points4 points  (0 children)

Yeah this is very generalized. I have a mining engineering degree and it has EASILY given me more earning potential than the 4 years of work experience I missed out on.

[–][deleted] 2 points3 points  (0 children)

I would also scratch law school unless you're incredibly academically oriented. Law school is full of legions of people who think they're gonna be the guys from Suits, and then graduate to one of the highest post-grad unemployment rates and a mountain of debt.

[–]PM_Me_TheBooty 4 points5 points  (0 children)

College was a waste of time and one of my biggest regrets. Its the information age. Its all free online.

[–][deleted] 0 points1 point  (1 child)

So what if, say the college where I am most likely going to doesn't charge high fee. Should I go there? Because the place where I am from, people are very judgemental here & if I don't at least graduate from college, they'll look at me like some uneducated fuck & I'll always get discriminated & belittled by everyone I know?

[–]Riace 0 points1 point  (3 children)

I think the college bit should be considered based on the desired discipline.

If you are in to something that makes no money (eg art) then best either choose something else or go without.

don't waste money on an education that will not easily and rapidly pay for itself.

[–]Ezaar 0 points1 point  (2 children)

That's a conventional mindset and not necessarily appropriate to the spirit of knowledge and growth.

[–]Riace 0 points1 point  (1 child)

What's the point of getting in to massive, life-long debt with no prospect of ever escaping said debt?

[–]Ezaar 0 points1 point  (0 children)

Decisions associated with the choices have consequences.

That being said, willingness to do what it takes is applicable with it with out a degree. And the education is worth it based on the rigor.

There’s value, but what you seek and what you do with it after is the choice the individual has.

Ain’t guaranteed a “good job” with education, you do it because you value it.

[–]meruxiao -1 points0 points  (0 children)

I feel like engineering is a valid degree and anything in stem is

[–]coco5440 195 points196 points  (33 children)

Education is damn important these days. Don'y under estimate it.

My kids have degrees in pharmacy (Pharm.D.), chemical engineering (B.Eng.), business (MBA), and social work (MSW). They were careful to minimize debt (i.e. went to the schools that offered the best deals). They're making good money now -- even the social worker makes over 80K.

[–]RPTA3498 40 points41 points  (5 children)

Agreed. I have an MBA and it was definitely worth it. It has changed my income potential exponentially.

[–]VaguelyEuphemistic 1 points1 points [recovered]

as a counterpoint, due to bad timing (and certainly more than a bit of mismanagement on my part), my MBA was a complete waste. I finally got my loans under $40k :(

[–]askmrcia 4 points5 points  (2 children)

I recently got my MBA and it helped me tremendously.

To your point I was very hesitant that it would not help. Especially since I was 24 at the time with very little experienced. I finished it at age 26 and got a salary boost (from switching jobs) by $60k.

Yea I have loans, but those will be paid off and its not like the loans are killing me.

So I can see it from both sides.

[–]wantondavis 0 points1 point  (1 child)

What do you do with your MBA that you are making 60k? I have mine (although not from a well known school) and tbh I'm not sure what to do with it.

[–]askmrcia 0 points1 point  (0 children)

I'm a business analysts level 2. It was a contract to hire position. So I make around 90k.

Mine wasn't from the best school either. But since I had some experience in SQL, SharePoint had trouble shooting I had a lot of recruiters contact me. And by some experience I mean one year.

I strongly suggest going the business analyst or system analyst. Or hr systems analyst. Or even application analyst. Really any analyst position will suffice. Those get your foot in the door. Like you I wasn't sure what the hell to do either. I knew I was unqualified for any manner position.

But like I said, I started with a contract job. And those tend to pay more. At least 70k and you can always and should push for more. Hope this helps.

[–]RPTA3498 10 points11 points  (0 children)

If it was mismanagement on your part then it's not the MBA that was a complete waste its on you. Back to OP's lack of goal = lack of improvement. I busted my ass in my MBA spend all day and even some weekends in the business building. Graduated near the top of my class with a 3.8 GPA and knew what I was worth.

[–]musicvita25[S] 32 points33 points  (5 children)

Congratulations on your children choosing degrees that bettered their careers. In the UK Media studies or PR and advertising degrees dont. But thats excellent.

[–]Knuzzy 3 points4 points  (4 children)

In the UK Media studies or PR and advertising degrees dont

Agree with this, but one other subject I would add to your list of being worthwhile is engineering. In the UK there is a very high demand for apprentice and graduate engineers. On top of that, it can be a very very well paid job if you get into the right side of it.

[–]musicvita25[S] 0 points1 point  (3 children)

Funnily enough you do not need a degree from this, you can easily work your way up. My cousins a civil engineer and did exactly that

[–]Knuzzy 1 point2 points  (0 children)

Civil engineering is a lot different to your traditional 'metal basher' and whilst it's true that you can work your way up, the most common way of climbing the engineering ladder nowadays is by doing an apprenticeship which leads on to a university course. The beauty of it all is that most companies will pay for your tuition fees and accommodation, which is what my company did.

Totally depends on how you get your foot through the door though and how ambitious you are, any guy of the street could turn a passion into a lucrative business.

[–]bigz000 1 point2 points  (1 child)

You can do this, but I wouldn’t bet everything on it. I work for a power company and we just flat don’t hire people without an engineering degree anymore (for engineering jobs), because...we don’t have to. If we go out for an engineer, we would toss the 100 without the degrees and focus on the few that had them.

[–][deleted] 2 points3 points  (0 children)

Which is amazingly ridiculous I think... coming from someone with an engineering degree. You throw a 100 resumes out and focus on the "few" that have a degree. Do you know how many dipshits I went to school with that got engineering degrees (myself included)?? Your probably tossing out the resumes of your best candidates.

[–]Barmacist 2 points3 points  (1 child)

PharmD debt sucks so much tho, even if your debt free going in you can expect 100k+ coming out.

[–]coco5440 2 points3 points  (0 children)

In-state tuition at Texas Tech was barely over 10K per year. With a starting salary of 130K and 9-5 hours seems like a pretty good deal.

[–]Senior Endorsed Contributormax_peenor 12 points13 points  (10 children)

Education is damn important these days. Don'y under estimate it.

Most degrees these days are worthless. The first two in your list are a couple obvious exceptions. MBAs are only as good as the connections you made. They stopped teaching people how to actually run companies decades ago; marketing and debt facilities seem to be their focus now. Social worker? Yeah, fine and dandy as long as people are still buying state bonds. Ask all the social workers in CA how they feel in a couple years, once the reserves are tapped again.

I think school can be a great thing for everyone, but the most important lessons are not in the classrooms. You need to learn how to talk to people and make connections, plus you need to learn how to deliver on deadlines. School is a good place to do that, but it isn't the only place.

[–][deleted] 5 points6 points  (0 children)

Good connections at university can definitely change your life. Especially if you become friends with RP aware men who are in their 30s or 40s and who already have established careers.

[–]marplaneit 1 point2 points  (1 child)

I think what's important, it's the ability to learn by your own. 8 months a go I started brewing, now I have a small bussines running, I learned a lot, by reading tons of book and practicing and experimenting, all of this while I'm in med school. I had brewers with 5+ years in the trade, asking me how I do certain things...

[–]Senior Endorsed Contributormax_peenor 0 points1 point  (0 children)

And you provide the world 100,000 times the value as someone with a MA in women's studies that works in HR driving everything nuts.

[–]dingman58 0 points1 point  (0 children)

I think school can be a great thing for everyone, but the most important lessons are not in the classrooms. You need to learn how to talk to people and make connections, plus you need to learn how to deliver on deadlines.

Absolutely agree with this. In my opinion colleges are more about gaining access to a peer group (making connections), resources (experts, libraries, labs, shops), and opportunities for extracurricular projects. If done right you can use it as a launchpad for a business, inventions, etc.

[–]beginner_ 0 points1 point  (1 child)

Agree, Having connections is the most important aspect. With connections you can get a job without having a formal degree / education just because the guy trusts your skills. It's for sure the easier way to get hired. And for starting your own business, it's obvious you need a huge network.

A degree helps when going through normal hiring process because HR drones get a checklist and throw out all applications missing important items on said checklist which usually as a formal degree/education. If you don't have one, you won't even get the chance to prove yourself at an interview.

And for some professions (engineering for example) you absolutely need a degree. If you are crafty / skilled "handyman" going into trades can be a good option. Advantage being that you actually see what you did. As an "office drone" (manager, accountant, IT,..) you don't really see the result of your work.

[–]Senior Endorsed Contributormax_peenor 3 points4 points  (0 children)

A degree helps when going through normal hiring process because HR drones get a checklist and throw out all applications missing important items on said checklist which usually as a formal degree/education

A few years ago, we caught HR doing this at a company where I was building an org from the ground up. This is after I told them I didn't care about education, but only cared about experience and/or personal projects. One of the recruiting cunts decided on their own that I was wrong and still filtered based on education. After ten weeks of getting worthless resumes and largely headhunting on my own because of it, their new VP of HR came to offer a profuse apology, after firing her. Apparently, a couple of the other recruiters were there when she proudly announced she wasn't going to do as I asked because she knew better.

Sayonara, toots. It took almost three months to rebuild a hiring pipeline through recruiting again and I was running absolutely ragged running my own recruiting efforts in the meantime. Fucking hell.

[–]coco5440 -1 points0 points  (3 children)

California has a massive budget surplus -- we're not about to run out of money anytime soon. And BTW CPS social workers are basically law enforcement (my daughter testifies in court more than most cops).

[–]Senior Endorsed Contributormax_peenor 2 points3 points  (0 children)

http://www.sacbee.com/news/politics-government/politics-columns-blogs/dan-walters/article152923419.html

^ You have fun with that.

Even moonbeam admitted at the beginning of the year we were heading into red again. There will be no massive IPOs to save them this time.

[–]grewapair 2 points3 points  (1 child)

You're out of your mind. The unfunded pension liabilities alone are a catastrophe. Any state run by Democrats is always a shell game, sliding away things that should have been budgeted for so they can hand out more free stuff.

[–]coco5440 0 points1 point  (0 children)

Funny how California and New York continue to run massive surpluses while Red States like Kansas sink under mountains of debt. Just saying.

[–]sadcaticorn 0 points1 point  (1 child)

I'm curious what field of social work your child works in and where?

[–]coco5440 1 point2 points  (0 children)

She's child protective services for a Bay Area county.

[–][deleted] -4 points-3 points  (3 children)

Eh I beg to challenge this train of thought. Pharm D you're maxed salary wise once you start. Same with engineering, MBA, and social work (btw wtf). Combined I probably salary more than all 4 combined. And my salary is my lowest form of income atm.

He hit the nail on the head. MD, dentist, JD only for college. My kids aren't going. I'd rather give them 50,000 once they graduate high school (I've got 4) and say here now go start or disrupt whatever industry or passion you love.

College is a bullshit phenomona that scams on the middle class. My brother is a general contractor, mason by trade (born 1960) and makes and pays most his trade workers what your kids probably make and they have zero college debt. Also I usually don't brag about cash but you did so I feel I need to say that those who say they're making good money, don't know what good money is.

I'm glad your kids are doing well by thier means and standards but to say a college education is end all be now is bullshit. I think grade and high school education and development is highly critical and important but secondary or higher education is so horseshit now it's unreal. 1.5 trillion in student debt. Sounds like a guaranteed money maker to me.

[–]coco5440 2 points3 points  (2 children)

Getting a JD turned out to be financially unwise. However, its paid off in nonmonetary ways. At 53 I still enjoy going to work and I have an unprecedented level of autonomy.

[–][deleted] 0 points1 point  (1 child)

I'm sorry you have not been able to receive much return on your college investment. What is your law speciality? You didn't choose the wrong one did you?

That's like family medicine in my line of work. Those guys work thier dicks off and don't make shit - guess they should have specialized. My 6 year residency worked out well but I'll never let my kids do it. My wife got lucky. Dentist school and straight into work force.

[–]coco5440 0 points1 point  (0 children)

I'm a public defender so I don't make that much. But my job's always interesting (people do some weird shit), I generally work 9 to 5, and most importantly I don't have anyone looking over my shoulder. I've only seen my boss twice in the last six months and that's only because I ran into her in the hallway of our main office.

[–]Armydude19 127 points128 points  (10 children)

I agree with you except the college. The market is over saturated with lawyers and you'll just end up in debt with a piece of paper unless you're top 10% of your class at a good law school. Shows you don't know shit in that aspect.

What if your businesses tank or the economy goes to shit? You have absolutely nothing to fall back on. You still have time to get an education, don't be an idiot just because you're successful now.

Go to college but get a STEM degree.

[–]nedkeib 46 points47 points  (1 child)

"So why did you choose not to go to college?"

"Someone on an anonymous forum about being an alpha male and getting the confidence to fuck women told me not to"

[–]Herdsengineers 23 points24 points  (2 children)

i have a few friends that are lawyers. they are no rolling in cash. one guy works for a firm as a construction litigator, doesn't make any more than me (i'm an engineer), and he's fucking miserable. they treat him like shit because they can, there are so many lawyers these day if he quits, they can replace him easily.

[–]coco5440 1 point2 points  (0 children)

Yes, construction defect litigation really really sucks! It's not hard so the pay sucks and a ridiculous amount of billable hours are expected. Also, three day long depositions about window flashing that have to be summarized every evening for the insurance carrier (it's amazing more attorneys don't eat a gun). Switching to criminal law was the best move I ever made.

[–]Docbear64 0 points1 point  (0 children)

To be fair even STEM doesn't require a degree ( but you'll work your ass off in your own free time or doing small starter projects to build a knowledge base) . I went to college and got a STEM degree and Have worked with quite a few really talented dudes who never finished college. Granted like I said they were talented and hard working but I think we live in a day and age where you can literally learn to do anything you like , as long as you can prove to people your capabilities they'll pay you .

[–]Lambdal7 0 points1 point  (0 children)

If you're fucked with a degree, you're triple fucked without one.

[–]mylittlehandgun -1 points0 points  (2 children)

what would you do if you already had a shit degree ( biology)?

[–]Armydude19 5 points6 points  (0 children)

Biology isn't shit. Get a master's in it. Go do internships or Look into crime scene analytics. Police Departments need people for that shit.

[–]_xex 5 points6 points  (0 children)

Biology is not a shit degree. You have to move to where the work is, tho. Depending what type of biology you studied, you could get a job in pharmaceuticals which actually pays decently (80k plus). Or you could upskill, teach yourself a programming language or two and make a plan to enter the fast growing computational chem/bio field and likewise make decent $$. Good luck bro (btw, I am a pharmaceutical chemistry student)

[–]Senior Endorsed ContributorVasiliyZaitzev 37 points38 points  (2 children)

Guys interested in this topic will find the below of interest:

Life After 30: How to Be an Old Guy

-You have one life. Here's how to enjoy it.

[–]hbPUA 2 points3 points  (0 children)

Every day I live by this. Not quite ruling my own world yet, but getting closer every day.

[–][deleted] 81 points82 points  (23 children)

College was fun af highly recommend it tbh.

[–]pollodustino 22 points23 points  (7 children)

Even just going to community college for general ed is better than not going at all. It gives you a routine, something to accomplish, a place to be social, and if you choose to continue on for a four year degree, it's way cheaper than going straight to a university right out of high school. It also has way more interesting electives and optional classes, as well as many trade programs. The class sizes are often much smaller, typically capped at thirty students, except for the large lecture courses with labs like Science and Math.

I've gone to community college my entire collegiate career. I learned a trade I can take anywhere, I can continue on to a four year if I ever want to, and I've made fantastic friends. And have ZERO student loans over my head.

[–]BaboonBukkake 19 points20 points  (6 children)

I go to community college too but the girls aren't hot lol

[–]askmrcia 22 points23 points  (2 children)

I go to community college too but the girls aren't hot lol

LOL I would think the girls at a community college would be hot because those were the hot bimbos that realized their careers in acting isn't planning out.

Then again I guess community college would be filled with the chicks that were teen moms so yea I guess you're right. lol

[–]Barmacist 30 points31 points  (0 children)

If you like overweight african american girls you're in luck!

[–]NapoleonicViewgraph 5 points6 points  (0 children)

So many moms in their early 20s in community college.

[–]HappyMexican 9 points10 points  (0 children)

...hey hey hey, they still got puss right?! Everyone looks the same in the dark bro.

[–]pollodustino 5 points6 points  (0 children)

Some years I've gone have had nothing but fuglies, other years have been nothing but hotties. Depends on the area and time, really. The two colleges I go to (Same district) are in heavily white and Hispanic, and Asian and Persian areas respectively, so I get a decent mix.

[–]FuckMichaelMcCoy 0 points1 point  (0 children)

Theyre not university-tier.. but there are some just not as high percentage. Also depends on location. If youre in a beachtown, theres gonna be some hotties. If you live in the desert with barely any towns around then its gonna suck ass as far as girls go.

[–]WolfofAnarchy 27 points28 points  (4 children)

Agreed with everything, except for this:

Going out every weekend Biggest waste of money, time, energy and so on. I have stayed in on weekends for last 2 years half of it single and had the time of my life.

I've had amazing times going out, met amazing people and have absolutely had life changing nights with people. From finding some awesome dudes and driving like madmen over the Autobahn through the night, from fucking 2 Japanese girls on a rooftop, life has been fucking amazing when you go out clubbing and leave your comfort zone at home.

People don't realize life is a precious gift, and they're wasting it in their dark rooms.

[–]ScoutEU 3 points4 points  (2 children)

I just wrote a similar reply. You're only young once, and I know many people who regretted not going out more when they were younger (and had less responsibilities, and a more forgiving body for recovery).

You learn nothing about life sitting at home, in fact isn't that why anxiety and depression is on the rise for young people? (Sitting at home on Facebook not meeting people)

[–]chivibes 1 points1 points [recovered]

It should also be stated that you don't have to drink or do drugs when you go out. Right now I physically can't drink due to a medication I'm taking, but that hasn't stopped me one bit. In fact, I've had just as much fun and have gotten several numbers while sober at the club and bars. It's only the social stigma of not drinking that is holding people back.

[–]musicvita25[S] 0 points1 point  (0 children)

See its moderation. Going out ALL the time isn't the one.

[–]light_a_man_a_fire 1 points1 points [recovered]

I'm 30. You're right that going out every weekend is a waste of money. I don't really go out anymore however when i am on my deathbed i will look back EXTREMELY fondly of most the times i did go out, all the fun i had, and all the women i did in fact go home with. It wasn't extremely common but it certainly happened many times. I would never advocate for somebody to deny themselves these experiences.

[–]itsam 1 points1 points [recovered]

I'm 33, my 20s were really blue pilled religious and highly motivated. Married to my first (very promiscuous) girlfriend, saved all my money to build a house and have a wedding while working 2 jobs at 22. Watched all the money I saved for a home get hit by the housing crisis and lost every cent I saved. Now at 33, divorced last year (went on the second date of my life at 32) I'm just trying out the bar scene and I love it. If i can find some club or bar with good music and get out on the dance floor and that's all I want. It's what I really like to do now, I feel like most of this subreddit condemns things without explaining moderation. Do what you like in moderation and always remember your future self in 6 months and make sure that guy will be happy and healthy.

[–][deleted] 0 points1 point  (0 children)

True, it is a waste of money but there some great memories to be made!

[–]parsnippityjim 37 points38 points  (1 child)

Wow there’s some bad advice in here that could really fuck up your life.

If you only invested in dividend paying investments you would have missed out on all the best investments of the last twenty years.

There a lot more majors that are good besides Law and medicine. Law actually sucks in the US if you don’t go to a top five school. College is important as social proof, do not underestimate it, just be smart about it. Avoid debt by going to a community college then transferring into a state school and pick a high paying major (Not all STEM majors are high paying).

In some age groups and some geographic locations not having social media means you’re a fucking weirdo. Again it’s social proof. Just control yourself like a damn man when using it. Don’t keep the app on your phone, only log in to post pictures of you doing cool shit or being out with friends. DO NOT post political shit. Think of it as a social resume.

HANG OUT WITH YOUR FRIENDS. MAINTAIN YOUR MALE SOCIAL GROUP.

[–]marplaneit 6 points7 points  (0 children)

This. Not having social media, at least Facebook with a few pictures, is a hugeeee red flag, at least in the young crowd -35. I'm in med school, but there are a lot of good carreers at college, yes don't go a for a stupid degree, like a PhD on medieval art history, but most STEM do great. Going out, at least twice a month does great of my mind health... I own a small bussines and I'm in med school, I fucking study or work almot every waking hour, a few saturdays of playing hard won't make a dent.

[–][deleted] 44 points45 points  (0 children)

*Do not go to College Unless you are studying law or medicine, DO NOT BOTHER. Do not get yourself into THOUSANDS of debt, for a piece of paper. Im a college dropout, zero debt, worked for myself, whereas others I know cant even fucking go out as they are crippled with student loans. Do not do it, youre only doing it for the social life, and again thats a bubble not worth staying in for that amount of debt.

This is the dumbest statement in your otherwise decent post. Survivorship bias at work here. There's always state and city colleges that are affordable and your chances of landing a decent paying job is way higher than aiming to be that 0.001% of successful entrepreneurs.

[–]IkWhatUDidLastSummer 7 points8 points  (0 children)

I always advocate for this:

  1. Dont waste your entire existence on chasing irrelevant pussy.

  2. Dont have female friends that you would like to bang IF YOU DONT/CANT bang them. Show your intend, show that you wanna bang them, escalate, make things clear, if she doesnt reciprocate THEN END IT THERE. Youre emotionally taxing yourself if you are friends with someone hoping she will eventually leave some pussy for you, its like a dog hoping its owner eventually drops some food accidentally - the dog will not survive if its the only way it relies on getting food.

And i know the male hamster will go absolutely crazy on me for saying this, trying to find justification for being friends with a girl they would wanna bang but is incapable of.

[–]emilandersen043 28 points29 points  (2 children)

I don't agree with all your points but some are solid advice

[–]DodgedAFew 12 points13 points  (0 children)

Not sure how he jumped from Tinder to 'respectable LTR'.

[–]PurryFury 47 points48 points  (4 children)

" Delete all social media " , seems legit considering where it posted. Kek

[–]1clon3man 37 points38 points  (3 children)

reddit and forums are really not the same as places where you have your real name and all your highschool friends. totally different animal

[–]PurryFury 9 points10 points  (2 children)

I would say that Reddit is still a social media. People share their art pictures, memes some even their nudes and SH , stories. Even though it is just partaly a social media, still is a social media. And the part about real name is only up to a personal choice, for me i dont even share my real name or life on facebook and such.

[–]1clon3man 8 points9 points  (1 child)

yes, its still social media, but I think it's 80% less bad as facebook. Facebook isn't geared toward self-improvement or knowledge sharing and has addictive properties. Perhaps if you sum up all the self-help sources and combine that all together, you can reach an amount of time wasting equivalent to 1 mainstream social media website... my 2c

[–]Hillarysdilddo_2016 7 points8 points  (0 children)

Depends. if you're posting on two X you might want to delete your social media including Reddit.

[–]sssozi 1 points1 points [recovered]

Solid other than college.

Most people here I doubt are arts/English majors. If you attend college for a STEM degree it pays off just don’t be in crippling debt still. 25k+ And you’re doing it wrong

[–]musicvita25[S] 4 points5 points  (3 children)

Considering the minimum in the uk now is 9k a year just the degree then according to your theory every degree is wrong. Which i genuinely believe to be true

[–]CeleritySteam 1 point2 points  (0 children)

Even the cheap ass schools are something like 12k a semester. About 3k of that is overpriced books, another 2k is school lodging even if you have your own place but still.

[–]sssozi 0 points1 point  (1 child)

I’m talking in terms of USA. For instance CSUs average under $8k a year. Financial aid covers half if not all a persons tuition. People struggling should at most have $16k debt which is manageable. Maybe more maybe less but it better be debt towards a useful degree.

[–]coco5440 2 points3 points  (0 children)

Yes, in the good old USA only chumps pay the full sticker price for Education. My very smart daughter went to community college for next to nothing for two years -- got excellent grades which qualified her for "Cal Grants" that paid for her tuition at UC San Diego for the remaining two years. She then went to UC Berkeley for her masters were a program that required her to work for a government agency or non-profit for three years paid most of her tuition.

[–]DoctorBees69 5 points6 points  (2 children)

This is all so contradicting. Don't chase women. Take a risk, ask her out. Don't go to college. Take out a business loan. Also super anecdotal. Staying in every weekend, having no female friends, and not working for anyone may work for some, but not everyone. Additionally, there are benefits to investing in things that don't necessarily pay out dividends. For example, investing in a company that focuses more on its own growth and raising share prices and financial confidence is better for some people than investing in a company that has to relegate a portion of their earnings to shareholder dividends. There are benefits and detriments to both.

[–]matthewzz1997 3 points4 points  (1 child)

Yeah I totally agree. I think OP is a bit older so a lot of this stuff doesn't really matter to him now that he's already had his fair share. But for those like me who are just starting out, I think his advice isn't very helpful.

[–]DoctorBees69 1 point2 points  (0 children)

There is some good advice in here, but it's hidden among potentially bad advice and most of it is stuff that is just a repeat of the sidebar that everyone should know. Not really a necessary post, if it's even beneficial.

[–]Noveno 29 points30 points  (17 children)

Terrible advice in general, can't agree. The invest advice is specially horrible.

[–]halfback910 3 points4 points  (12 children)

What about the investing advice is horrible? I'm curious. Dividend-based investment is a time-proven, defensive investment strategy.

[–]Slut_Slayer9000 2 points3 points  (8 children)

You have to have ALOT of money that you don't need anytime soon to make any real money with dividend based investing. For younger people its honestly not worth the time. I actually take Marc Cuban's advice, value and buy and hold investment strategies are outdated in todays stock market, if you wanna do that just max out 401k, IRA's and HSA's then buy ETF's/index/mutual funds. Its much much more practical to just save money, then buy big and sell big when you can cash in on the markets momentum, basically swing trading. You can make some actually money doing that, you just have to pay capital gains tax, and more importantly you have to have the disposable capital to be able to do so, most people don't, and you definitely aren't going to get that capital by buying stocks that give you dividends. Don't get me wrong it does work but when you crunch the numbers unless you have a shit ton of money to invest you're making pennies on the dollar.

[–]halfback910 1 point2 points  (7 children)

Blatantly false. I've invested spare money in high dividend yield stocks, held them, and have an average dividend yield of 8.2% to 8.5% over the course of a year and a half. That's solid.

These are stocks that haven't lowered their dividend once in five years. And regularly raise it. They have strong financials and operational metrics. Even if their equity TANKS, I'm still getting my 8.2%

Trying time the market is moronic. That's not to say that you shouldn't be opportunistic if you see an above average return on one of your stocks and sell.

But if you try and time the market, you're going to lose your shirt.

And if you are NOT maxxing out your 401k or saving money for multiple years for a large expense (home) you should not b investing period.

Edit: I've only invested like 13k in stocks. Just don't be an idiot and buy less than a thousand dollars worth at a time to save on fees. You really don't need much money at all.

[–]Slut_Slayer9000 1 point2 points  (6 children)

Blatantly false. I've invested spare money in high dividend yield stocks, held them, and have an average dividend yield of 8.2% to 8.5% over the course of a year and a half. That's solid.

Not blatantly false at all. I think you missed my point, its not a bad strategy BUT to make any real money you need to have ALOT of money to invest. 8.5% is really good but what does that equate too if you don't have 50-100+ shares of that stock? Its literally pennies on the dollar. If you don't have a lot of money to invest (10K+ at minimum) dividend based investing is a waste of time.

[–]halfback910 1 point2 points  (5 children)

... 8.5% is 8.5% regardless of what number it is. That is how percentages work.

And dividend yield is based on dollars, not numbers of shares. So if I invest 100 dollars in an 8.5% yield stock, I get $8.50 that year.

[–]Slut_Slayer9000 1 point2 points  (4 children)

Which is my point lmao. If you don't have a lot of money to invest that 8.5% ain't shit. You'd need to put up 10K just to make $850 in a year. I'm not arguing whether it works or not, I'm arguing that its not an efficient investment strategy if you have limited funds to invest with, as even investing 10k doesn't net you much profit in the long run, most people don't even have 10k to invest to begin with.

[–]halfback910 1 point2 points  (3 children)

But that's how yield works. You should always invest where your best yield is.

[–]Slut_Slayer9000 1 point2 points  (2 children)

Yeah if 8.5 percent is your best yield then you're lazily investing which is totally fine but its not the only option out there. I'm just personally saying that for the majority of people out there seeking investing advice its not worth tying up $10k for an entire year to make $850. Dividend based investing is for the lazy, and already rich. Most of the top companies these days don't even give out dividends, they just reinvest in their company.

[–]halfback910 0 points1 point  (1 child)

Oh Jesus Christ. I'm saving this til I get home from work. There's just so much wrong in so little space. I can't possibly address it all with bathroom breaks alone. Even I don't eat nearly enough fiber for that.

[–]Noveno 0 points1 point  (2 children)

I'm not english so it's very hard for me to explain. There're two big reasons: dividends are discounted of the stock price. Also you are going to pay taxes of those dividens. There're more reasons, you can some of them here or all over the internet.

[–]halfback910 2 points3 points  (1 child)

If I own the stock more than 3 months they're taxed at the same rate as capital appreciation.

And if dividends were truly discounted then yield would never be higher than inflation.

[–]Noveno 0 points1 point  (0 children)

Dividens are being discounted, that doesn't mean that the stock price can't grow higher that inflation, but they are being discounted anyways.

Anyways, you have the articles, you can find a lot more in the internet. I have myself dividens stocks, but I know it's not the best choice, that's why the advice of "only invest in dividends stocks" is bullshit.

[–]Lex-Luger 1 points1 points [recovered]

Fuck off if you won't give valid reasons why the advice is bad

[–]Noveno 1 point2 points  (2 children)

I'm sorry I hurted your emotions

[–]Lex-Luger 1 points1 points [recovered]

You are the reasons why people delete their comments. Nice vote brigade bud

[–]Noveno 1 point2 points  (0 children)

If people delete their comments it's because 1) they're extremely sensitive, so I don't care the advice of super emotional people or 2) they said stupid things. In both cases I have no problem with them deleting their comments. I repeat, I'm sorry I hurted your feelings but in general this advice is horrible.

[–]HappyMexican 4 points5 points  (0 children)

Lack of Goals = Lack of Improvement WRITE YOUR GOALS DOWN. All of them, and set yourself realistic targets. Do not just say "I want to lose weight" say "i want to lose 5kg in 2 months.

Probably the most valuable piece of advice for any age. I am turning 29 and I didn't start doing this til i was 24. Since 24 I went from unemployed 310 lbs dude with no degree who got cheated on and dumped and still lived with his parents. To 60k Salary with a Information Systems degree, 210 pounds, 2 cars, and a dedicated submissive LTR.

Mostly cause I came up with a game plan and half assed followed it for years. Even half assing is better then nothing.

[–]Ch1pp 3 points4 points  (2 children)

Don't invest if you don't get a dividend.

Ignore that one guys. If you're trying to trade shares while hoping to rely on dividend income you could struggle. Some shares grow in value but give tiny dividends, some give huge ones but don't grow, some do neither. Just invest smartly (and let me know when you find a share that does both).

[–]behindtheline40 2 points3 points  (1 child)

This man is giving explicit advice to people under the age of 30. Says only get dividend bearing investments. lol what. Fundamental misunderstanding of investing.

[–]Ch1pp 1 point2 points  (0 children)

Well all under 30s naturally have a big ol' pot of money to plough into dividend bearing investments and no time to wait for growth. /s

Don't know where the OP pulled that one from.

[–]OfficialBananas 7 points8 points  (0 children)

Female friends are such a waste of time especially the ones that use you. Pick accordingly.

[–][deleted] 2 points3 points  (0 children)

I agree with everything except the college bit. Only go if you (or your parents) can pay up front or you had your shit together in highschool by getting many scholarships, etc. Otherwise I'd say learn a trade, work your way up in an already established company, or build your own company.

College can be a very valuable place to network and your future prospects are much better if you get a good degree, like personal finance (what I'm going for, 30% projected job increase and great potential to be self-employed. Also will learn investing skills to augment the income you already earn from helping people manage their money) or engineering.

[–]tibikush2012 2 points3 points  (0 children)

First point is a very important one for all guys.

Every guy should pass a phase of scoring a lot of women through ONS or short term relationships. It will free him of the artificial crave of sex that we are bombarded with through the media.

[–]dinkstar 2 points3 points  (0 children)

Or learn a trade. I own my own concrete business. If you can learn how to finish concrete you'll make good money. Before I went into business for myself I was making $25 an hour. In Illinois Unions you'll be making around $45 an hour by Chicago. I was making more than most my friends who spent a lot of money and time in college.

I got sick of working for other people who made a lot of money off my talent. Started my own business about 6 years ago and never looked back. I'm the happiest and most successful I've ever been in my life. It's scary at first, but you just gotta nut-up and say fuck it. I have a few jobs ive done in my post history. I specialize in decorative design.

[–]Frenchy100 2 points3 points  (0 children)

I would add: take acid. Your life has not been lived until you do. It would be like dying a virgin to die without having the experience

[–]madking696969 2 points3 points  (0 children)

woohoo. love posts like this. i think self cultivation is way more important than getting laid.

wish there was a non sexual part of TRP

[–][deleted] 2 points3 points  (0 children)

Learn Game when you got the energy for it.

I’m a good looking guy (always was) but now with unshakable self worth and muscles but can’t be fucked to go out lol.

When I had that energy in my teens and twenties I was an anxious, desperate, over excitable beta.

So go out and shag whilst you still go out young ones.

I’m doing great in life but was the nice guy when I had the energy of a bad boy now I “get it” but am not interested in that scene.

[–]infantinemovie5 2 points3 points  (2 children)

I know not everyone will be lucky enough, but if any of you get an opportunity to join a trade, fucking DO IT! College is such a waste of money. I'm 23 and about to buy a house after working in the trades for 5 years.

[–]Bear-With-Bit 2 points3 points  (0 children)

Under fucking rated. College grad here, essentially starting a biz from a trade.

[–]Liviag86 2 points3 points  (1 child)

All good points except #1 (have lots of random sex). You sound like a degenerate with that advice. I'm sure you are not - just engrained with the ways of the declining culture. Horrible advice - at least for a new generation that sees past the frankly immoral views of the boomers, gen-x'ers, etc.

Fucking around outside of marriage is good for no one. Yes, I sound like a religious nut-job. Doesn't make it not true.

[–]musicvita25[S] 0 points1 point  (0 children)

Have lots of sex is important pre marriage.

[–]awaken471 4 points5 points  (3 children)

Those are really good advices, but I feel like social media is now part of your lives, including to get a job, to attend and get invited to special events and many others. Instagram is shit, however

You seem to give a shit about women. How do you fake interest in order to get laid? I honestly can't pretend that I'm enjoying the conversation enough to move forward with them

[–]musicvita25[S] 7 points8 points  (2 children)

Firstly, you dont need social media to get a job or get invited to "special events" if they like you they'll invite to the party OR call you to say you got the job.

I got 47k followers on instagram and it is indeed the biggest pile of crap ever.

Where do i seem to give a shit about women?

I literally don't care anymore. I'll tell you a theory I came up with:

I have been in the presence of women who'd drop their panties instantly for an average looking guy but reject me. I also have been with women who adored me and wouldn't look twice at another attractive bloke.

To summarize, there are women (albeit you have some form of value) that would throw themselves at you, and some that don't.

So faking interest etc is all an enormous waste of time UNLESS she is a 8/9 OR she is like the most solid girl youve ever met and see a potential LTR. But like thats very rare.

So in regards to "moving forward" do what I do and assume theyre interested. This is a loose generation, many many people are sleeping around or at very least fooling around, esp when you meet off dating apps.

So just assume youre in there and just escalate. Example:

If you match on tinder If she replies If she gives the number If she agrees to the date If she flirts back and is interested If you kiss or bang on first date Then imo youre in there regardless.

Do what I do, I think about sports when women talk and just nod

[–]Sincam59BC 3 points4 points  (1 child)

Delete all social media but you have Instagram and reddit? You have some good advice in the OP, but several of the points are just “huh?” Deleting social media sounds like a classic “kids these days!” Besides, Tinder requires a Facebook account.

You shouldn’t be spending more than half an hour per day on it at most (unless it’s your job, e.g. marketing or business consulting).

[–]matthewzz1997 1 point2 points  (0 children)

Not to be a dick but if he truly does have 47k followers on Insta, I feel like he's one of those people who doesn't care for it because he's already "got it" and is very successful with it. It's like when millionaires say money isn't important.

[–]DirtyRazz 1 points1 points [recovered]

I'm not sure about the college part. I think I will push my children to take advantage of education. Nothing beats having a good education at the same time, having fun and creating friendships or possibly find your future spouse. Of course you will have debt if you are not on scholarship, but it's worth it because a degree opens up more opportunities than not having one.

[–]musicvita25[S] -1 points0 points  (0 children)

Depends on the individual completely.

[–]GotRichVeryQckly 1 point2 points  (3 children)

Good advice.

Also, life is too short to listen to bad music.

[–]musicvita25[S] -1 points0 points  (2 children)

I barely listen to anything thats been released in the last 10 years

[–]Jazsi 2 points3 points  (1 child)

Oh look, another 'le wrong generation' moron.

[–][deleted] 1 point2 points  (2 children)

Wise words but anything that doesnt pay dividents is bullshit? This is not true

[–][deleted] 1 point2 points  (0 children)

Your college point is wack. "don't go into student loan debt" is solid advice, but what if you want to learn a trade in college or get a STEM major? I'm studying a life science because I want to. Sure, my mom is paying for the tuition I haven't covered for with scholarships, but I could have more scholarships and I've comfortably lived out of my vehicle in the past for finances. Even then, it's never too late to go to college. Work until you can afford it. You don't have to go to university (it loses it's charm after about a month anyway) to get an education.

An education is crucial for some men's pursuit of happiness, and of course it will help you get a job. At the very least get a degree in business and do your own thing from there.

[–][deleted] 1 point2 points  (0 children)

nice post, was expecting some kind of retarded obvious list of facts but turned out to be great advices that I totally agree with
the thing I will try to apply the most is the "it is risky and foolish, but I don't care what they think about me" part, I too often find myself not doing something because of what people would think of it, also doing things because "that's what people do" and proceed to take snapchat/facebook pictures to prove I did it and that I had fun

[–]mgbkurtz 1 point2 points  (1 child)

Many comments, but I didn't go out pre-30 and really wish I did. Socialization is very important.

[–]matthewzz1997 1 point2 points  (0 children)

Exactly, I mentioned this in another comment:

I think OP is a bit older so a lot of this stuff doesn't really matter to him now that he's already had his fair share. But for those like me who are just starting out, I think his advice isn't very helpful.

[–]steven565656 1 point2 points  (0 children)

As for going out, it really depends on where you go. Sure, going to some pretentious bar or club full of dickheads is no fun, but that's very different from going to a cool live music venue where everyone is chilled out and having a blast. Find a scene you like and you will have a blast.

[–]chasebandz01 1 point2 points  (1 child)

What if we already fucked up and got a worthless degree? I have 20k left to pay, working a full-time and part-time job to pay it off rapidly, and I'm 26. I think I'm too stupid to code, but I could see myself doing IT and networking. Anyone?

[–][deleted] 1 point2 points  (0 children)

Get into IT asap and look into infosec. Lots of money to be made there. The important thing is to move fast on getting the career ball rolling.

[–]GraveyardZombie 1 point2 points  (0 children)

If I could add one to this list is that “Family is the one you create...not the one you were born to”. Even your mom and dad can become selfish toxic pieces of shit . Learn from your blood family’s mistakes and apply to your new family of what you think Family should be like.

[–]1scissor_me_timbers00 1 point2 points  (0 children)

What have you done for career and money working for yourself?

[–]trp_nofap_rewire2018 1 point2 points  (0 children)

Holy shit, this is some good content

Thanks for sharing your thoughts OP

A few points you brought up are extremely important to the present context of my life (don’t chase pussy and college for instance). I used to think fucking girls was the most awesome part of being a man. After a few lays, I felt nothing but emptiness. I’m much more fulfilled after crushing a workout or finishing a book. Regarding college, you’re completely right. I’m about to drop Law School because I can’t stand it anymore and actually here in Brazil this degree isn’t a relevant factor to net you a job given the crisis. You’ve said it well, we gotta live under our own terms and nothing else.

I’m really fortunate to have stumbled upon this community at the age of 22, btw

Peace dude

[–]criveros 1 point2 points  (1 child)

the best memories I have are those where I spent Thursday to Sunday partying and getting drunk.

[–]musicvita25[S] 2 points3 points  (0 children)

More to life then getting pissed

[–]ScoutEU 1 point2 points  (3 children)

I have to disagree on the 'don't go out every weekend'. I'm 34 and don't regret one weekend. (I have friends who are older and regret not going out more when younger). The saying is 'you're only young once' and that is very true.... When you're older going out is harder as it's harder on your body and friends settle down etc.

You've got the rest of your life to sit in your house if that's what you choose to do, but going out will improve your social skills, and give you memories and life lessons

[–]musicvita25[S] 0 points1 point  (2 children)

Disagree.

I went out solidly 2-3 nights per week for ten years. But perhaps thats why I'm done with it.

[–]ScoutEU 0 points1 point  (1 child)

You regret all your nights out and wish you just stayed home?

[–]musicvita25[S] 1 point2 points  (0 children)

I dont regret anything mate.

But I prefer chilling, watching movies, going out to eat then going to bars full of cunts 2-3 times a week.

[–][deleted] 1 point2 points  (1 child)

Like that song: Nothing else matters by Mettalica.

[–]ProfHotTub 1 point2 points  (0 children)

Great stuff. I never was heavy on going out every weekend but when I did/do they’re dialed to 11. Got plenty of stories that were well worth it. Also think the cure to hangovers is just not to sleep that night. This best utilized on high energy cities

[–][deleted] 1 point2 points  (0 children)

Do not invest in something that gives you no dividends.

A lot of good shit in here but this should be the #1 takeaway, both metaphorically AND financially.

[–]notonlyplace 1 point2 points  (0 children)

Lack of Goals = Lack of Improvement

Find something you enjoy, I see so many people improving themselves just for the sake of it, improve yourself in something you love, I started by business not to improve myself or work hard but to do something I enjoyed doing.

I spent 18-20 hour days programming because I enjoy it, Improving myself was a side effect to me it was the same as playing video games.

Chasing Women is a waste of time

Sometimes Women do hit on me, but most of the time I have to make a effort, I would say get a LTR if you don't want to chase women,

[–][deleted] 1 point2 points  (1 child)

For education, I'd cut out law. Most that start an arts degree with the intent on entering law school never do it. The competition was insane.

Acceptable majors to invest with student loans are:

Engineering

Computer science

Science - > medicine

Even these majors (minus medicine and law due to legal requirements) can be self taught for free. You seriously do not need a professor to learn fluid mechanics, electrical design or chemistry. Most people just lack the ambition and confidence in their ability to remain focused on self education.

[–]EscortSportage 1 point2 points  (1 child)

Funny, im reading this while i sit in a USELESS THEOLOGY college class.

ABSOLUTE pathetic beta teaching the class,

[–]kaertrolled 2 points3 points  (1 child)

Maybe I'm not completely correct with my terminology and I feel we are splitting hairs here because fact of the matter is a few months ago I bought a bit of Bitcoin, a few months later I have much more money than I put in initially. Therefore whether it's called profit or dividends or whatever is of little consequence, the person I replied to phrased it as though there was no money to be made from it and that was all I was trying to point out. If it's made me money consistently and repeatably then in my mind Bitcoin is making me money.

[–]beta_no_mo 0 points1 point  (0 children)

Bitcoin is the exception, not the rule.

[–]halfback910 3 points4 points  (21 children)

Do not invest in something that gives no dividends.

Surprise excellent investment advice in TRP.

I would add that non dividend paying investments can be valuable due to the expectation of future dividends. For instance Amazon shares will absolutely pay out dividends some day.

[–]musicvita25[S] 0 points1 point  (20 children)

Id rather invest in something that pays me today then wait for "some day"

Its like these bitcoin guys. Good luck to them but the second I discovered the founder has still not been traced, and it doesnt produce any income, I said no

[–]halfback910 4 points5 points  (4 children)

Well the whole thing about bitcoin is it is SUPPOSED to be a currency, not an investment. It's not a good currency though.

And I do agree. I only invest in dividend paying stuff.

[–]Baloo020 4 points5 points  (1 child)

I disagree. Especially in your 20's build up your "human capital". Instead of buying a share of apple, go to a conference for whatever you want to do and meet people. The best investement Warren Buffet ever made was a $100 public speaking course offered by Dale Carnegie. That did not pay him any "dividends" directly.

[–]halfback910 1 point2 points  (0 children)

They're not mutually exclusive. The thing about investing in yourself is that it takes time. Whereas investing in financial capital takes almost none of your time.

So if you still have investment money available after you've run out of time for personal investment (which is totally possible if you're working) you can do financial investment.

My comment was referring specifically to financial instruments that don't pay dividends. I.E. stocks without a dividend.

[–]LOLMUFFINLOL 1 point2 points  (0 children)

You can make allot allot of money in crypto currency these days buddy. I'm just in it to make as much money as possible until it ends (if).

[–]musicvita25[S] -1 points0 points  (0 children)

You'll be amazed at how many people don't.

The whole thing about investing is a real interesting one. I personally stick to real estate and businesses I run. The only other thing ive done is written a book, so I guess time was the biggest investment for that.

But I was minutes away from investing in bitcoin, literally

[–]kaertrolled 4 points5 points  (2 children)

Alot of misinformation in that statement. Bitcoin produces tons of dividends, and daily unlike the couple of percent you see from banks. Issue is its volatility and most people can't handle it. Plus at 5600 as of today it's kind of expensive to buy in for most people today. But you can buy a bit of Bitcoin to trade other kinds of cryptocurrency which are much much cheaper like less than a few cents, Many of which grow exponentially inside a couple of months, then sell those back for bitcoin then withdraw the money. The whole point of Bitcoin is that it has no leader etc, it's decentralised which mean it's in everyone's hands and not just in the hands of the few. I'd really recommend looking a bit further into it before dismissing it. It have been incredibly lucrative for me personally.

[–]Shukakun 1 point2 points  (11 children)

Isn't the point of dividendless investments that you're supposed to sell some of them to get an amount of money roughly equal to actual dividends? The way I had it explained for me was that a company can either use its surplus money to pay dividends, or to invest in more growth. If that isn't a load of bull, investing in a non-dividend stock makes sense long term, especially if you don't need the dividends to survive right now.

That being said, I'm not saying "dump everything into bitcoin for long-term riches". I wouldn't do that with any investment regardless of how promising it is. Don't put all your eggs in one basket, invest widely (ie multiple different low or no fee index funds). The idea is that investments, on average, always grow slowly but steadily.

I'm by no means an authority on this stuff though, so if I'm saying something completely wrong here, feel free to correct me.

[–]musicvita25[S] 0 points1 point  (10 children)

In an ideal world never sell.

I suggest reading a lot about Warren Buffet, the master investor when it comes to shares and funds.

Having said that another great mentality is buy low sell high. Were at record highs, but those sitting on a lot of cash cannot wait for the next crash to pick everything up for a fraction of what it was before.

[–]Shukakun 0 points1 point  (9 children)

I'm currently going with invest regularly regardless of how it's going (which long term means invest when it's average, neither high nor low), and never selling. But we'll see in the future. Only been at it for a year, and I haven't needed it as an emergency fund yet. Guess I have needed it, but my intention is to treat it as money that doesn't exist, so it'd pretty much have to be a life and death situation for me to withdraw.

[–]musicvita25[S] 0 points1 point  (8 children)

I wouldn't invest a penny in the stock market right now. I'm telling you a crash is months maybe even weeks away.

You'll regret investing high, none of the big boys are investing right now. Just compare the price of amazon for example, its ludicrous.

Sit on your cash, wait and get ready to pounce!

[–]Herdsengineers 1 point2 points  (2 children)

my GF's dad - retired highly successful stockbroker (he and his kids are all set up with trusts valued in the $millions) - he agrees a major "correction" is coming. he's told me don't have your money in stocks. get it out, into something else, wait for the crash, then get back in after the stock.

unless you can be johnny on the spot with shorting trades to make money as the crash happens. i'm not that stock savy, so gonna give that a miss.

[–]musicvita25[S] 0 points1 point  (1 child)

Interesting to know what else to put it into?

Im in real estate there are SOME deals knocking about but sadly can see it going same way

[–]Herdsengineers 0 points1 point  (0 children)

i've asked him - what else to put it into? don't have a good answer yet.

[–]Shukakun 0 points1 point  (4 children)

Yeah, I've heard a lot about an upcoming crash, and judging with the little knowledge I have, it seems to make sense. That being said, regular investing regardless of how the market is going is not about buying at an optimal price. The main factors that push me towards that method are "Buy as early as possible, hold forever" and "People, me included, have a tendency to spend their money, regardless of how much they have". For example, last February, I saw a treadmill for €1100 on 50% sale, so I thought "Damn, I'd love to have a treadmill, and it's only €550!". Sure, it IS nice to have one, and I do use it, but it would probably have been a better idea to throw those €550 into the stock market instead and let them grow. In a perfect world it wouldn't matter if I had direct access to the money or had to sell stocks to get it, but in the real one, the psychological difference is huge. Bank account money is spendable. Stocks are "Money I've basically thrown away until I can safely sell a portion each year to cover all my expenses without emptying the investment account faster than it grows". In other words, that money is untouchable for a long time, and that feels great. Would it be ideal to save cash Amy buy lots once the market crashes? Sure. Would I spend that cash I'm holding on training equipment or clothes or a new computer or some shit? Probably.

[–]musicvita25[S] 0 points1 point  (0 children)

So do what I did and invest, but at the right time.

When I was sitting on cash 2 years ago it burnt a hole in my pocket I was tempted to go nuts, however I found an investment and put it straight in and that was that.

Do I regret it? 50/50 I got a flat that was quite expensive but I bought for the area. But ten years down the line, it'll be best thing I could have done.

[–]Barmacist 0 points1 point  (2 children)

Dude, they've been screaming collapse for 3 yrs now. It hasn't happened. I waited and missed out on the pre Trump run up and some of the Obama runup. Even if the market does drop, if you're young, just wait it out and you'll make your money back. Look at what happened since the 08 crash.

[–]Shukakun 0 points1 point  (1 child)

Yeah, I don't really care about collapses. Those are for in & out investors. I'm more of a fire & forget kind of guy.

[–]Barmacist 0 points1 point  (0 children)

I just have some money parked in a vangaurd S&P index. Its done very well so far.

[–]sparks_mandrill 1 point2 points  (1 child)

This is the same modern day regurgitated babble you find in most male self-help blogs. None of this is original whatsoever. OP is likely still in his 20's

[–]musicvita25[S] 0 points1 point  (0 children)

Thanks for contributing fuck all to this discussion

[–]Future_Alpha 0 points1 point  (5 children)

kinda confused about some things.

They are at their worst right now and are selfish beyond belief.

Isn't the response to that to be even more selfish and put your happiness and beliefs above yours at all times? If that is the case who cares if a bitch is selfish?

[–]Alphadestrious 0 points1 point  (2 children)

This is the truth. Once had a female friend who I liked, would talk to and hang out all the time and of course she met other guys/people and got distant. Female friends won't be there forever.

[–]Future_Alpha 0 points1 point  (1 child)

curious: why didn't you ask her out?

[–]Alphadestrious 0 points1 point  (0 children)

This was years ago and I did. She had just got out of a 4 year relationship and you know what that means. She just wanted to "meet new people" and so she just slowly got distant over time. But I just moved on.

[–]musicvita25[S] 0 points1 point  (1 child)

Should be that way regardless of feminism

[–]Future_Alpha -1 points0 points  (0 children)

Agreed. If movies from the 60's (High plains drifter, Once Upon A Time in the West, etc) are any indication, men were more selfish than now. Doesn't matter if women are selfish imo, you have to be more selfish than them.

[–]BeholdTheWar 0 points1 point  (0 children)

Good advice. Id probably also add that EVERYTHING IS CHAOS. Dont expect anything, and be ready for everything.

[–]VictxrSenpai 0 points1 point  (0 children)

Haha Well nowadays a bachelors degree is worth as much as a high school diploma (unless your into medicine, computer technology, etc.) Still id rather have a bachelors in something, compared to just a high school diploma, because in all honestly im not "making money moves" with just my diploma nor do i think ill be like any of those drop outs who will be seeing decent money off some genius idea. I think its also the fact that i go to a community college for Gen. Ed. before switching to the uni and i have a scholarship . But to each his own. On some real shit though college is a fucking business just like any other business and as a student, im tired of getting fucked over by required classes needed for a simple degree. And from what ive been hearing lately is for most jobs(unless in a specific field) require an associates or bachelors, and they really dont give a shit what its in. Take Gen Ed at a community college before heading to any university, it will save you money in the long run.

[–]Blackkillerjoe 0 points1 point  (0 children)

I agree with almost every advice but when it comes to investing your advice is horse shit, as a financial Analyst I can tell there are many financial instruments that pay no dividend but outmatched dividend paying stocks. Besides that h Your life recommendations are great

[–]jmjf7 0 points1 point  (0 children)

Do not invest in something that gives you no dividends

Disagree on this point. Dividends should be a factor in the decision to invest in a specific company, but not a criteria to live by. There are lots of good stocks that don't include a dividend.

[–][deleted] 0 points1 point  (0 children)

Hmm. My group of friends make my life so much more enjoyable. Feel bad for dudes that can't develop real lasting friendships.

Going out is still tight if you do it for the right reasons. Yeah, looking for bar sluts every weekend gets old. Going to the standard douche bro bar every weekend gets old.

[–]LOLMUFFINLOL 0 points1 point  (0 children)

What about going to school for the trades like welding, mechanics, ect.

[–]zilti 0 points1 point  (0 children)

If desperate for a bang, drop your standards

For that I'd need matches in the first place.

[–]2bb4llRG 0 points1 point  (0 children)

Few Lessons already known, some learned, thanks for sharing man.

[–]TheWolf149 0 points1 point  (0 children)

Really on point post, but I would argue that not all risks in business are beneficial.

[–]uebermacht 0 points1 point  (0 children)

In case this gem of a post gets removed:
http://archive.is/67O3w
Thank me later.

[–][deleted] 0 points1 point  (1 child)

Its easier to make money for yourself then ever A guy I know had no money, no prospects got a business loan and paid it off in 13 months selling fucking burgers for a stand and is looking to expand. Seriously, take the hit, totally worth it.

I've heard this line more time than I can count, but all the examples I find online seem like bullshit. What are some examples of good side hustle?

[–]musicvita25[S] 0 points1 point  (0 children)

Again hustling load of bollocks. Work, sell your own product, do your own service. Hustling is for drug dealers

[–]EntitledShitHead 0 points1 point  (1 child)

Do you have any advice on confidence? I feel that mine fluctuates a lot and sometimes I can’t control it, especially around attractive girls.

[–]musicvita25[S] 0 points1 point  (0 children)

Confidence is bollocks. Its realising what you want and going for it.

The great thing about society is most people are assholes. So if youre rejected by an asshole girl who cares. She is probably ten times more insecure and never going to achieve even half what you will in your life time.

You are the prize not the tits and ass

[–]Prophets_Prey 0 points1 point  (0 children)

Solid advice. Thanks for sharing.

[–][deleted] 0 points1 point  (0 children)

If you're going to college, STEM fields are still a good bet. They're getting a little saturated but most of them still offer employment available right out of school, if not soon after. There are a lot of trash degrees in the liberal arts and social sciences fields you should avoid, but most of those are occupied by women. A good rule of thumb is if there's a lot of women graduating with a particular degree, it's probably worthless and you should avoid it.

[–]mcavvacm 0 points1 point  (0 children)

The college bit also changes on which country you live in. I laugh at the USA's crippling debt system.

[–]The3Percenterz 0 points1 point  (0 children)

I got outta the military. Started a weed business, that failed due to shit outta my control. I went back to college on Post 9-11 GI Bill, got a divorce, sold my place that was burdening me financially, I live 20 mins from campus and 100% debt/cc debt free, credit score 760, about 12,700 up in cash. Living behind my dad now b/c it is smart while I attend college and getting paid for that shit. Studying marketing and sales b/c I have a sales personality and i'm also doing radio b/c I love broadcasting. Dad recently got a nasty divorce so I feel it is a higher power that has me here for now to help him out. He was rough for awhile but is seeing the freedom at the end of the tunnel. I read, study guitar (taking my first lesson soon to improve) even though i've been decent at it for 10 years now. Divorced, no kids, run and workout. I'm 30. I also have a former boss trying to get me into a sweet GS11 gig in logistics as that's what I did before for 9 years. Anything I could be doing better here? I feel i'll use up the next 2.5 years of benefits, get the degree, a job, house, then freedom. Thoughts?

[–]246882257066 1 points1 points [recovered]

Nobody remembers how their nights went at the club on their death bed. This is true because in the grand scheme of things this is all BS.

But it doesn't mean it's not important. I feel like you're rationalizing this because your life didn't go so well... (my opinion based on what I read, I may be wrong. Not sure if reading you correctly).

[–]musicvita25[S] 1 point2 points  (0 children)

Not once did I say my life didn't go so well.

I bought into the bullshit of going out every weekend, and so on.

I was obssesed I always thought I had to be out partying. When i wasn't I felt depressed. Now I love my nights in and relaxed lifestyle far more

[–]Kaiju0 0 points1 point  (0 children)

Seems mostly pretty legit, although I've gotta say that I have a mix of male and female friends, and they each fill different roles as friends. I value my female friendships just as much as my male ones, but in different ways.

[–]st4rkeks 0 points1 point  (0 children)

Luckily I live in a country where you have to pay around 16€ for a semester of university! Thanks for the advice btw, I'm 18 and this will definitely come in handy!

[–]_white_r0se_ 0 points1 point  (1 child)

Don't chase woman, but ask her out? Do you have DID?

[–]musicvita25[S] 0 points1 point  (0 children)

Correct. Chasing a woman compared to asking her out there and then is completely different

[–]musicvita25[S] 0 points1 point  (0 children)

Wow gold, incredible thanks so much!

[–]ShozOvr 0 points1 point  (0 children)

Agree with everything but the education part. Maybe it's more relevant to the US.

[–]WISE_TURD 0 points1 point  (0 children)

I love dividends, but do go chasing dividend yield (annual dividends per share/price per share) too much.

If something has an unsustainable dividend payout ratio (dividends/net income), then they'll have to cut it one day anyway, sending the stock price tumbling and fucking you for being greedy about dividends.

Furthermore, going towards share buybacks instead of raising the dividend seems to be the general trend these days.

Having a good mix of stocks that have dividend growth, dividend yield, and some that are purely growth (don't pay a dividend) is a good way to go.

Example (not advising you to do but these, this is merely an example): boeing (div growth), at$t (div yield), and netflix (pure growth).

I like to reinvest the dividends (google DRIPS) in order to achieve more compounding, more dollar cost averaging, and being able to "set it and forget it".

Cheers.

[–]bar2121 0 points1 point  (1 child)

Good read. Do disagree with you though about only going to college for law and medicine, finance/accounting I think is still lucrative.

[–]musicvita25[S] 0 points1 point  (0 children)

Not really.

I was so close to getting into accounts until my accountant told me how the likes of quikbooks and many other computer softwares are taking over from them.

Basically computers and robots will be doing all our accounts in the future. How terrifying is that

[–]Drakonlord 0 points1 point  (1 child)

"Don't go to college". My salary would be significantly worse if i didnt have a degree and I didn't do a STEM degree.

[–]lawlyer1216 0 points1 point  (0 children)

i enjoyed this post. wish i had read it a decade ago, though am/was too fucking stubborn to probably listen. 27, quarter million in debt from law school I dropped out of on my final semester. now i’m working for myself, slave level poor, but I only moderately hate my life and there’s a light at the end of the tunnel. some good fucking tips here.

[–]Shaman6624 0 points1 point  (0 children)

Where I live you have a 25 k debt at 0.1% interest after college. If you take the full loan. You can also not take a loan at all cause youll get 400 euro a month anyway provided you get your diploma.

[–]Project_Thor 0 points1 point  (0 children)

TLDR: Fuck the World.

Got it.

[–]hodltaco 0 points1 point  (0 children)

"*Do not go to College Unless you are studying law or medicine, DO NOT BOTHER. Do not get yourself into THOUSANDS of debt, for a piece of paper."

No and yes. A college education can give you critical skills that can/will affect how you navigate your world and how the world interprets you.

There are ways to do it and there is a time to stop. Attending a Jr. college for the first two years will cut your education cost in half and depending on your location be a guarantee of getting into a better school. For example: attend Santa Monica College (Jr. college) and they feed directly into UCLA. Good luck trying to transfer into UCLA any other way without starting over. Most jr. colleges have similar setups with bigger schools.

Getting a BA/BS is a terrific base but stop there. Without a very specific corporate or career path an MBA/PhD is a big waste of time & money. In fact an MBA could hurt your chances as a fresh hire at a Fortune 500. Corporations would prefer to mold you rather than you to come at them with your MBA "training".

Edit: sorry, thought this was implied-getting a degree doesn't mean "Theatre Arts" or "Philosophy". If you have no idea what you're after then head towards a "Management" or "Business" degree. The education will be practical and not appear on a resume as though you were choosing the easiest path.

[–]IWantaPupper 0 points1 point  (0 children)

Hey guys, solid list. Though I need more hobbies and interesting shit to do. I had my first weekend off in two months. Got everything I needed to accomplished on day 1 and day two was just gym, weed, and basketball. I usually longboard but it’s a little to cold for that rn. What do you guys do to improve yourself that you also find fun?

[–]HillarysCell-mate 0 points1 point  (0 children)

Thank you for writing this. As someone going through some shit you have no idea how much it helps and inspires me to take control of my life

[–]LidlKwark 0 points1 point  (0 children)

Do not go to College Unless you are studying law or medicine, DO NOT BOTHER. Do not get yourself into THOUSANDS of debt, for a piece of paper. Im a college dropout, zero debt, worked for myself, whereas others I know cant even fucking go out as they are crippled with student loans. Do not do it, youre only doing it for the social life, and again thats a bubble not worth staying in for that amount of debt.

Thank God I do not live in the US. Speaking to (West-)Europeans: pursuing a degree in Business can lead to a great career, don't let American horror stories stop you.

Hell, even Psychology can lead to great things, it's just not as safe of a bet.

[–][deleted] 0 points1 point  (0 children)

i recently dropped out of college. it really does not feel like something i will end up regretting. i just could not take the ideology being forced on me.

[–]Angu_jungle_poo 0 points1 point  (0 children)

Do whatever YOU want

this is the MOST important part. If you like clubbing or raving - do it. If you like living on the breadline - do it. If you like spinning girls like crazy - do it. BUT DONT! DONT! DONT! Let other people tell you who you are, always be ready to change your whole life in an instant.

[–]balanceaholic 0 points1 point  (1 child)

Dude. As a female in my mid 20's I was super excited to read your post. But you talk about women like were desolate whores just here on earth to provide you with a hole. Common on. Were people too. We have goals. Dreams. Weve been cheated on. Taken advantage of.

Shitty people are just that: shitty people.

I think you could benefit from seeing a psych to get over whoever hurt you so bad. Ie. Probs Mother.

On a positive note: I definitely agree with some of your points. Mainly working for yourself and avoiding university or college unless your in it to get a phd or masters. Its so easy to teach yourself online these days. You can buy a full course from chapters and learn everything. When i was too broke i went and took a photo of every page and went from there.

Also diversify in stocks. 5 dollars in bitcoin when it first began would be worth 1 million today. (Or august when i read it)

Edit: Computer science is also very worth the cost.

[–]musicvita25[S] 1 point2 points  (0 children)

I do apologise and I do appreciate your goals and so on.

Yes youre people too, I get that, but frankly you are right about the shitty people part regardless of gender.

My mother definitely a factor, and I am not hurt I just speak how I do. I am aggressive but thanks for your opinion

[–][deleted] 0 points1 point  (1 child)

What I find hilarious about this post is how astute you are in regards to chasing women and how much of a waste of time going out to bars and shit is, but how moronic your whole "medicine and law are the only worthwhile fields" schtick is.

So you're basically saying that every other academic contributes nothing to society, that the world would be better off without English teachers, philosophers etc...

Yeah fuck that. Either you're trolling or you should really reconsider this inane idea.

PS: Not every country has a student loan system as retarded as the US, so you should probably consider that in your theories.

[–]musicvita25[S] 0 points1 point  (0 children)

Well I'm from the UK and were following suit.

Sorry mate we dont need more english teachers, philosophers, we need more electricians plumbers and tradesmen. Not people coming out of uni with enormous debt and mickey mouse degrees.

Its medicine or law primarily. End of.

[–]CeleritySteam -5 points-4 points  (1 child)

"Delete all social media Biggest waste of time ever, use it ONLY for trying to bang a girl or promote your business. Anything beyond that do not bother."

I use it purely for trolling SJWs. It's a cheap laugh that quickly fades for a low, quick effort. Just don't take it seriously at all for any reason, it's a sand castle at best.

[–]356dc -1 points0 points  (0 children)

Do not just say "I want to lose weight" say "i want to lose 5kg in 2 months. Write your goals down, and stick to them. This will bring you greater pleasure then getting laid a lot trust me.

Like the only reason why men want to be in shape isn't to be more attractive and getting laid more? You're delusional and are hamstering.

Go to dinner, get a hobby, improve yourself, work on a project, even play a video game that you can improve on.

Improve myself for what purpose exactly? For the sake of improving? Play a fucking video game? lol. Work on a project... as in work on a project that contributes to the good of society (which is full of cunts and assholes who are not worth your time anyway) or as in work on a project that will bring in loads of money that you could further use to... buy what? More video games to improve on?