- April 27, 2024
- Posted by: legaleseblogger
- Category: Related News
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****** just grabbed a
A few things.
First, there’s a reason there’s a saying about comparison being evil and it’s even a commandment (if you’re into that sort of thing). You’re just going to make yourself miserable. But even more so because social media is usually extremely curated content. So many people are faking those lifestyles, many of whom are in deep debt because of it. Just because you see someone on vacation doesn’t mean they can afford it.
Next, your mid 20s sucks. I went through a huge “what am I doing with my life” thing, and I had a college degree and the start of a good career. It’s a really rough few years as you begin to figure out what adulthood really means. So just know you’re not alone there. And covid made this worse. Get off tik tok and other social medias. At least for awhile.
Next, what are your career interests? You’re in community College but feel directionless. What are you studying? What do you want to study? What careers interest you? Have you considered the trades? As you continue your schooling are you trying to advance in your retail role as well? Having supervisor experience is a huge resume booster.
Last, “paycheck to paycheck” can be misleading. The actual definition means you’re barely able to pay for basic necessities. No savings, no investment, no paying for community college. So yes, you’re probably living paycheck to paycheck now, but it’s because you’re trying to juggle work and school which is objectively really hard. You can always take a pause from school if you aren’t seeing the value at the moment.
We don’t live paycheck to paycheck. We live direct deposit to direct deposit. /s
All jokes aside Stay the course. The biggest thing is increasing your income. You’re going the route of school and higher education which is one path.
I graduated college in December of 2012 with a BS in mechanical engineering. This was after getting kicked out of college for grades, and having to get my shit together
My first job FT was for progressive insurance as a claims adjuster bc i needed money. I made $49k/year. After a year i finally got a call back for an engineering job. First salary was $57.5K/year for engineering.
The biggest thing for me was 1) always living below my means. My first apartment was $1010/month for a 500 sqft apartment. It fit my needs. I drove a used 1999 Taurus until it died in 2013. Then bought a used 2010 Camry that lasted until 2021, bc it was totaled. I wasn’t into needing fancy cars or flashy stuff or the newest xyz (except sneakers. But that was a childhood thing that me and my therapist resolved).
I tend to keep my cell phone for 3-5 years before getting a new one.
I got in the habit of actively investing into retirement. Started out at 6% my salary and as my income increased so has my contributions. Built a savings fund. And budgeted for the things i enjoy and like to do.
This year my wife and I(we’re 35/33) are on track to invest almost $50K of our income into retirement, between 401k and IRA this year . Now we get to work with compounding interest to help us. We have over $250K invested and I just hit 6 figures last year for the first time in my career. Small, intentional steps sprinkled in with a bit of luck
Bowling, traveling, and dining out. I live by the mantra “you can have anything, you just can’t have everything”. I prioritize the things I want and spend there and cut spending elsewhere (see car).
On social media you’re seeing peoples highlight reels and you also don’t know if they have parents or other family helping them out or not. Or they could be eyes deep in debt.
First is a budget
Second is income
Third is to get married and stay married (age 26 or older)
Lived with a bunch of roommates of varying levels of tolerability for years.
I wouldn’t have had any money if I had been renting on my own but I still didn’t/don’t have a fancy car or take expensive vacations.
> I’m in community college yet idk what to even study.
Figure that out first. Paying for school while just taking random classes is a waste of time and money.
I blow dudes behind a dumpster for cash. You have to have a side hustle.
First piece of advice is to ignore everybody in a tiktok or instagram who shows a flashy car. It is probably rented and they’re barely getting by hoping to go viral.
Stop going on social media. Make a budget, and live below your means. Always set aside some money for investing and your older self will thank you
Spend less than you make. Save the difference. Invest the savings. Repeat and wait.
Right now, work extra. Whatever that means. I used to do valet on the side. Save that money. Do not touch it. Get a good solid emergency fund. Build from there, always keeping an eye on your bottom line. Remember that rome wasn’t built in a day. Its going to take time. Just stack good days, week and months. The years will take care of itself.
First, people you see in their 20’s taking expensive vacations “living their best life” are either funded by their parents or have zero money after all their bullshit and are as poor as you. They can be ignored, they’re lying.
Second, savings is not about amount, it’s about what you can do. Standard rule is 10%, some people say 10% of gross income. I think that is very difficult on low income, save 10% of each paycheck after taxes.
That should be the first thing you do when you get your paycheck, what’s left is what you have to work with. The money you save should go to a high yield savings account don’t touch it. Obviously emergencies happen that’s the only time you touch savings. This isn’t new TV, shiny car or vacation money.
The only way to have money is to not spend it, it’s a really hard lesson to learn.
Firstly, not everyone online is being honest about what they make. People go into debt buying fancy cars and taking fancy vacations. So learn to stop comparing yourself to others. If anything, let it motivate you to get ahead but do it smart.
Are you paying for college? Don’t pay for classes just to be in college – talk to a career coach or counselor, try an internship in a field you might be interested in. Basically, figure out what you want to do and work backward – either start working on that field or only pay for a certification or degree if it’s necessary to do that. Don’t go into debt for no reason.
Next, the sooner you realize these companies don’t give a crap about you, the better. You are just a number on a spreadsheet to them. But it goes both ways – you can just see them as a means to a paycheck. Finding a field you enjoy will make this more bearable. Or be your own boss, if entrepreneurship suits you!
Finally, don’t beat yourself up for not having life “figured out”. You’ll get there if you put in the work to get ahead. Practice habits that build you up – eat well, sleep well, positive mindset, meditate, exercise… whatever works for you. I knew a lot of guys who didn’t get on their “path” til their early 30s and are doing well now in their mid-30s. You’re still young – take advantage and use this time to figure it out!
Simple method…
Stop spending as much as you make.
Doing that is much easier said than done. Invest in yourself. Get into a field that pays money, and then make a budget. Save as much as possible. And while it would seem like you’re still living paycheck to pay check, over 30 years you’ll see how much they money had grown, and then you’ll be able to stop living pay check to pay check. Then you’ll be in your 50s with freedom to fall back on your savings. You can work odd jobs, or part time jobs, or whatever, because you’ll have some financial freedom.
Please know that a lot of people on social media who “work from anywhere” and “make $10k a month” are scammers who are trying to sell you a dream to get money off you. They are most likely lying.
I have no solid advice for you. Life is a dumpster fire.
Many people who are doing great at such a young age had mom and dad money, were in the right place at the right time for an idea, or were smart/lucky enough to get scholarships to pay for school. Sometimes it’s a mix of reasons. Many also just lie on social media
It seems to me that a lot of people have parents who helped them out throughout their adulthood. College, house downpayments, weddings, home improvements, etc. are often funded by parents.
Don’t compare yourself to them, just keep on keeping on. Check and see what resources your state has for education. In NJ, you can get a full 4 year degree for free if you qualify. You can even earn up to $100k and still get a greatly discounted education.
To answer your question though, you budget and learn to pay yourself first.
The only way I was able to stop living paycheck to paycheck was to make more money. I was still check to check plus some credit cards making 168/yr after school so I had to find a job that makes more.
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It’s also a seasonal job so the 6 months a year I do work I tend to spend very little, evens out for the 6mo off higher spending and traveling
I know what you mean. I used to feel the same way. Read these 2 books:
1. Stop acting rich and start living like a real millionaire by Thomas Stanley.
2. Total guide to money by Dave Ramsey.
Those are both excellent books and easy reads that will you be happy with your finances.
Also social media is nothing more than a planned highlight reel. It’s not real life. The comparison game will destroy you from the inside out.
budgeting
Google YNAB. Seriously
Another rant straight out of FluentInFinance.
I think you answered your own question. The people you envy had a plan, and they executed. Meanwhile you don’t know what you want to study, which ties into your lack of career direction, where you’re making minimum wage. What’s your plan?
Sounds like you need some direction in life. A meaningless job will feel meaningless. There’s nothing you can do about that.
What are you passionate about? You are young enough that you can mold a career path in just about anything.
The number one thing that will make you money in life is a skill that not many people have. Don’t go to school for something vague. Learn a specific skill set. It doesn’t have to be something only a genius could do. Lots of people trained in specific trades make a great living.
Ultimately it’s time to grow up. You gotta fall out of the nest and figure out how to fly. A lot of people on Reddit just want to complain and get mad at others for doing well. Don’t be like that.
1) Comparison is the thief of joy. Measure your own progress, don’t try to measure against what others are doing.
2) How do you stop living paycheck to paycheck? By living below your means, paying yourself first, and investing for your future to build up wealth. To do that, you need to create a solid budget and stick to it.
Budget, pay off debt, get dual income (marriage). You’re set for life if you keep this lifestyle up.