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But I never would have gotten established if I hadn't taken risks, worked my tail off, delayed gratification from spending, saved, invested in myself. Those principles I mentioned work yesterday, today ,and will tomorrow for those that are focused and take smart risks. The sooner you stop making excuses and start working smarter and harder and have confidence in yourself, the sooner you will achieve your goals.
My son, in his 20's, has been making over $200K/yr the last coupe of years. He wasn't forced to make the sacrifices I did and I'm ecstatic for him. The only help I gave him was paying for his college education. I wish that I had found success so early in my career but I had to struggle for years before breaking through. You might too...you haven't failed until you've given up trying to succeed.
I'm not making any excuses, I' am happy with everything the why it is. (I wasn't talking about myself in my OP). I was just simply stating that your advice is not a one size fits all even though you claim it is. Sometimes no matter how hard someone works, they never catch a break, I'm sure you know some people who have worked and never moved up the ladder in employment no matter how hard they worked. Also paying for your sons college put him ahead not everyone has that luxury.
I'll say what I say to ALL complaints lodged by millennials. Vote in the same numbers as retired people do and you can change this country. As long as millennials do nothing but whine and expect other people to change laws in their favor, they get what they've earned. There are plenty of bills out there that certain politicians have devised to help younger Americana eliminate their student loan debt and make it easier for them to buy homes. Are millennials marching in the streets in support of those bills? Are they even volunteering to help those politicians who are trying to help them? When they do that, let me know. I haven't seen it in any great numbers. I come from a generation that in its youth changed (for better or worse) draft laws in this county, stopped the war in Vietnam quicker than it would have ended otherwise, improved reproductive choices for women, and started the ecology movement. So I have no patience for people who claim it's useless for them to vote because Republicans and Democrats are all the same.
I'm not making any excuses, I' am happy with everything the why it is. (I wasn't talking about myself in my OP). I was just simply stating that your advice is not a one size fits all even though you claim it is. Sometimes no matter how hard someone works, they never catch a break, I'm sure you know some people who have worked and never moved up the ladder in employment no matter how hard they worked. Also paying for your sons college put him ahead not everyone has that luxury.
I do know people that work hard and never seem to catch a break, in fact, that's the way I felt for years. I had a good example in my Father about how to do virtually all those things I mentioned and persevered until things turned around for me. I still think those principles will work in the long run for anyone that employs them. If you want to be successful (however you define success), observe what successful people do and emulate that...there's a formula. Yes, I would love to be a rock start or NBA star but had to give up and go to something different because I lacked the talent to be those things I most desired.
My college roommate works hard but has never caught a break and is almost living at poverty existence. He tries very hard but seems to lack something to be able to take the next step. Come to think about it, he is very successful in emotional interactions which is something I envy. But not in the economic sense.
I'm not making any excuses, I' am happy with everything the why it is. (I wasn't talking about myself in my OP). I was just simply stating that your advice is not a one size fits all even though you claim it is. Sometimes no matter how hard someone works, they never catch a break, I'm sure you know some people who have worked and never moved up the ladder in employment no matter how hard they worked. Also paying for your sons college put him ahead not everyone has that luxury.
Yeah, a lot of us mostly put ourselves through college. I got some help, which I appreciate very much, but my parents put themselves through college with a bit of help (in my mom's case, derision in my father's). They raised my sister and me basically how they were raised and expected us to bear the brunt of our college expenses.
I came out with some debts, just under $30,000, but that's mostly because my mom made too much so I didn't qualify for Pelgrant, need-based Calgrants, and so on. That hole got plugged shortly after I graduated with the Middle-class Scholarship here in California. I mean, it kind of sucks but it's not like $30,000 in student loans is going to ruin my life either.
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I'll say what I say to ALL complaints lodged by millennials. Vote in the same numbers as retired people do and you can change this country. As long as millennials do nothing but whine and expect other people to change laws in their favor, they get what they've earned. There are plenty of bills out there that certain politicians have devised to help younger Americana eliminate their student loan debt and make it easier for them to buy homes. Are millennials marching in the streets in support of those bills? Are they even volunteering to help those politicians who are trying to help them? When they do that, let me know. I haven't seen it in any great numbers. I come from a generation that in its youth changed (for better or worse) draft laws in this county, stopped the war in Vietnam quicker than it would have ended otherwise, improved reproductive choices for women, and started the ecology movement. So I have no patience for people who claim it's useless for them to vote because Republicans and Democrats are all the same.
Sorry, but Millenials don't have the numbers to out vote Boomers and Gen X on the things that matter, which is really welfare spending. We're just not going to be able to vote in politicians willing to cut social security or medicare or raise taxes to pay for those welfare programs. It'd certainly help if the voter turnout in my age group wasn't about half of what it is for the greybeards, but ultimately it still wouldn't matter much. Actually, I'm in the 24 to 44 group now, and have been, so it's not half, but it's still much lower than 45+
Plus I'd vote against any broad elimination of student debt anyway. I'm very happy with IBR/ICR as it is. There is no need for further subsidies for debt forgiveness beyond that. College graduates still far out earn graduates, and I'm strongly against having the bottom 2/3rds support the lifestyle of the top 1/3. I'm even more against that than having the top 1/3rd support the bottom 2/3rds. So if you had candidate A who wanted to eliminate student loan debt (which I disagree with) and cut social security (which I agree with) running against candidate B who wanted to keep the status quo, I'd vote for candidate B.
That still says nothing about what you want to do. It's just a nebulous puff of air. Before you can think about starting your own business, you have to figure out what you want to do.
If they want to change things, they need to start turning out at the polls. Only 21% turned out for the midterms.
Good, maybe the rest of us can try to undo some of the damage these millennials did when they elected Obama.
They deserve a lifetime of economic suffering as a direct consequence of how most of them voted in 2008 and 2012. They have DOUBLED the national debt and they need to pay it back.
Yeah, a lot of us mostly put ourselves through college. I got some help, which I appreciate very much, but my parents put themselves through college with a bit of help (in my mom's case, derision in my father's). They raised my sister and me basically how they were raised and expected us to bear the brunt of our college expenses.
I came out with some debts, just under $30,000, but that's mostly because my mom made too much so I didn't qualify for Pelgrant, need-based Calgrants, and so on. That hole got plugged shortly after I graduated with the Middle-class Scholarship here in California. I mean, it kind of sucks but it's not like $30,000 in student loans is going to ruin my life either.
Sorry, but Millenials don't have the numbers to out vote Boomers and Gen X on the things that matter, which is really welfare spending. We're just not going to be able to vote in politicians willing to cut social security or medicare or raise taxes to pay for those welfare programs. It'd certainly help if the voter turnout in my age group wasn't about half of what it is for the greybeards, but ultimately it still wouldn't matter much. Actually, I'm in the 24 to 44 group now, and have been, so it's not half, but it's still much lower than 45+
Plus I'd vote against any broad elimination of student debt anyway. I'm very happy with IBR/ICR as it is. There is no need for further subsidies for debt forgiveness beyond that. College graduates still far out earn graduates, and I'm strongly against having the bottom 2/3rds support the lifestyle of the top 1/3. I'm even more against that than having the top 1/3rd support the bottom 2/3rds. So if you had candidate A who wanted to eliminate student loan debt (which I disagree with) and cut social security (which I agree with) running against candidate B who wanted to keep the status quo, I'd vote for candidate B.
You can't always save people from stupid. Not qualifying for federal loans is a pretty damn good sign you're doing something stupid and should stop. I wouldn't go as far as to make them illegal, but I certainly wouldn't include them in any taxpayer funded subsidies. You'd be better off having a payday loan forgiveness.
None of these jobs paid top dollar but had good benefits and a really good pension. I retired at 67 years old last year and am living a frugal but decent life.
If you have a really good pension, you made top dollar. The high wage is spread out over your lifetime.
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I would recommend that any student with the capacity should go to college in a STEP or IT program.
If an IT worker makes $120K a year and somehow manages to save a third of their take home pay until they get replaced by a 20-something at age 50, then works at Starbucks until they retire at age 67, they can look forward to living in a tent.
Nothing against you. You were lucky to live in the times you did, financially speaking. Today's youth are absolutely screwed in comparison.
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