General Advice You'd Give Someone Younger

[michigancat]

Well obviously if you don't love being poor you should do something else. Dumbasses.

[420seriouscat69]

Well obviously if you don't love being poor you should do something else. Dumbasses.

Kinda the point I was trying to make to you the other day.

[michigancat]

Well obviously if you don't love being poor you should do something else. Dumbasses.

but don't completely rule out doing something you love because some guy who couldn't make six figures hunting snakes or calling juco football games tells you it's not practical. Get an MBA (a real one) or something when snake wranglin doesn't work out.

[420seriouscat69]

Well obviously if you don't love being poor you should do something else. Dumbasses.

but don't completely rule out doing something you love because some guy who couldn't make six figures hunting snakes or calling juco football games tells you it's not practical. Get an MBA (a real one) or something when snake wranglin doesn't work out.

Oh JFC.

[Dr Rick Daris]

if we are just talking about jobs then i would also say to get a skill of some sort. like an actual skill that is obtained and some piece of paper or something that says you are allowed to do it while most other people can't.

[michigancat]

Well obviously if you don't love being poor you should do something else. Dumbasses.

but don't completely rule out doing something you love because some guy who couldn't make six figures hunting snakes or calling juco football games tells you it's not practical. Get an MBA (a real one) or something when snake wranglin doesn't work out.

Oh JFC.

hey, you gave it a shot and couldn't cut it. At least now you know. But that doesn't mean the next guy couldn't make it.

In retrospect, I shouldn't have tried to steer you to media.

[The Tonya Harding of Twitter Users Creep]

if we are just talking about jobs then i would also say to get a skill of some sort. like an actual skill that is obtained and some piece of paper or something that says you are allowed to do it while most other people can't.

spell my name after 15 beers

[michigancat]

if we are just talking about jobs then i would also say to get a skill of some sort. like an actual skill that is obtained and some piece of paper or something that says you are allowed to do it while most other people can't.

I would go the complete opposite and be as general as possible. What happens when that skill or piece of paper becomes obsolete?

(my "do what you love" advice wasn't necessarily career focused, btw.)

[420seriouscat69]

Well obviously if you don't love being poor you should do something else. Dumbasses.

but don't completely rule out doing something you love because some guy who couldn't make six figures hunting snakes or calling juco football games tells you it's not practical. Get an MBA (a real one) or something when snake wranglin doesn't work out.

Oh JFC.

hey, you gave it a shot and couldn't cut it. At least now you know. But that doesn't mean the next guy couldn't make it.

In retrospect, I shouldn't have tried to steer you to media.

You can just be so smug and short minded sometimes. I would never advise for any one to do something they didn't love. Everyone has a different situation growing up and certain ppl have limitations in certain areas.

[SkinnyBenny]

Spend five days in a hurricane sometime.

[Teddy_Westside]

Don't listen to your dumbass roommates.

 

[K-S-U-Wildcats!]

The problem with credit cards, and the reason all young people should be advised to avoid them, is because it makes it a lot easier to spend money, and the easier it is spend money, the more you will spend.

Doesn't matter if you get 5% cash back or travel points - odds are, any money you "make" using a credit card will be more than offset by all the extra cash you spent because you use the credit card, as opposed to the more painful process of forking over cash.

The only exceptions to this rule are if you have expenses that are more or less fixed and unavoidable. For example, if you've got a job that requires a lot of travel, it's a great idea to charge that travel on a credit card with incentives. You don't have a choice to incur that expense, and you get reimbursed and get to rack up points.

But other than these few exceptions, the general rule holds true: you will save a lot more money using cash than you will "earn" using credit cards.

Yes, your life will probably be a lot more boring until you're rich at the age of 50 and get to retire. Then you'll laugh at all the assholes you preached about what a great deal credit cards are, and how what a great bargain those student loans are that they've been carrying around for the last 20 years.

/Dave Ramsey

[Rage Against the McKee]

The problem with credit cards, and the reason all young people should be advised to avoid them, is because it makes it a lot easier to spend money, and the easier it is spend money, the more you will spend.

Doesn't matter if you get 5% cash back or travel points - odds are, any money you "make" using a credit card will be more than offset by all the extra cash you spent because you use the credit card, as opposed to the more painful process of forking over cash.

The only exceptions to this rule are if you have expenses that are more or less fixed and unavoidable. For example, if you've got a job that requires a lot of travel, it's a great idea to charge that travel on a credit card with incentives. You don't have a choice to incur that expense, and you get reimbursed and get to rack up points.

But other than these few exceptions, the general rule holds true: you will save a lot more money using cash than you will "earn" using credit cards.

Yes, your life will probably be a lot more boring until you're rich at the age of 50 and get to retire. Then you'll laugh at all the assholes you preached about what a great deal credit cards are, and how what a great bargain those student loans are that they've been carrying around for the last 20 years.

/Dave Ramsey

It seems like all of those people will have already experienced all of the things you had to wait until you were 50 for.

[michigancat]

Well obviously if you don't love being poor you should do something else. Dumbasses.

but don't completely rule out doing something you love because some guy who couldn't make six figures hunting snakes or calling juco football games tells you it's not practical. Get an MBA (a real one) or something when snake wranglin doesn't work out.

Oh JFC.

hey, you gave it a shot and couldn't cut it. At least now you know. But that doesn't mean the next guy couldn't make it.

In retrospect, I shouldn't have tried to steer you to media.

You can just be so smug and short minded sometimes. I would never advise for any one to do something they didn't love. Everyone has a different situation growing up and certain ppl have limitations in certain areas.

don't use your background as an excuse. (this is advice for everyone).

[steve dave]

The problem with credit cards, and the reason all young people should be advised to avoid them, is because it makes it a lot easier to spend money, and the easier it is spend money, the more you will spend.

Doesn't matter if you get 5% cash back or travel points - odds are, any money you "make" using a credit card will be more than offset by all the extra cash you spent because you use the credit card, as opposed to the more painful process of forking over cash.

The only exceptions to this rule are if you have expenses that are more or less fixed and unavoidable. For example, if you've got a job that requires a lot of travel, it's a great idea to charge that travel on a credit card with incentives. You don't have a choice to incur that expense, and you get reimbursed and get to rack up points.

But other than these few exceptions, the general rule holds true: you will save a lot more money using cash than you will "earn" using credit cards.

Yes, your life will probably be a lot more boring until you're rich at the age of 50 and get to retire. Then you'll laugh at all the assholes you preached about what a great deal credit cards are, and how what a great bargain those student loans are that they've been carrying around for the last 20 years.

/Dave Ramsey

the above is advice for dumbasses only and should be avoided by most everyone on this message board who I give the benefit of the doubt as being functioning human beings. if you are an idiot who can't handle your finances then credit cards are not a good idea. neither is college probably. look into trade school would be my advice. for the rest of you the world's your oyster.

/steve dave

[puniraptor]

cash is the easiest to spend. I consider cash in my pocket as money already spent because I'm not tracking the numbers in a bank account.

[michigancat]

Cash-only bars reduce my spending because I hate carrying cash. (OT: eff you bars in SF for being cash-only).

[Rage Against the McKee]

cash is the easiest to spend. I consider cash in my pocket as money already spent because I'm not tracking the numbers in a bank account.

Yeah. The only time cash is hard to spend is when you don't have enough on you.

[Skipper44]

Cash-only bars reduce my spending because I hate carrying cash. (OT: eff you bars in SF for being cash-only).

Is this part of the faux dive bar scene?  That blows

[mocat]

cash is the easiest to spend. I consider cash in my pocket as money already spent because I'm not tracking the numbers in a bank account.

This

[nicname]

Don't eff up your credit. 
Don't worry about things that don't really matter.
Try lots of things.
Mostly, don't eff up your credit.

[Matt Siebrant's Left Hand]

Do what you love.

And if you find you don't love it as much as you thought you did, do something else.

What if you just graduated from college with a degree in it? Asking for a friend... 

[lopakman]

The problem with credit cards, and the reason all young people should be advised to avoid them, is because it makes it a lot easier to spend money, and the easier it is spend money, the more you will spend.

Doesn't matter if you get 5% cash back or travel points - odds are, any money you "make" using a credit card will be more than offset by all the extra cash you spent because you use the credit card, as opposed to the more painful process of forking over cash.

The only exceptions to this rule are if you have expenses that are more or less fixed and unavoidable. For example, if you've got a job that requires a lot of travel, it's a great idea to charge that travel on a credit card with incentives. You don't have a choice to incur that expense, and you get reimbursed and get to rack up points.

But other than these few exceptions, the general rule holds true: you will save a lot more money using cash than you will "earn" using credit cards.

Yes, your life will probably be a lot more boring until you're rich at the age of 50 and get to retire. Then you'll laugh at all the assholes you preached about what a great deal credit cards are, and how what a great bargain those student loans are that they've been carrying around for the last 20 years.

/Dave Ramsey

It seems like all of those people will have already experienced all of the things you had to wait until you were 50 for.

Possibly but not necessarily. Plus he may be able to retire by 50 while you're working until 70.  There's no right or wrong, just depends on your individual goals.  Have fun now and pay for it later or pay for it now and have fun later.

[steve dave]

or pay for it now and die

[Rage Against the McKee]

Dave Ramsey didn't retire at 50, fwiw.