- December 4, 2023
- Posted by: legaleseblogger
- Category: Related News
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Heading: Seeking Advice on Navigating University and Career Choices
I am currently at a crossroads in my life as I embark on my journey of pursuing a bachelor’s degree in business at university while also juggling a full-time 8-5 job. I am fortunate to be in a stable financial position with no debts to hinder my progress. However, I am seeking advice from a diverse range of perspectives on any regrets or missed opportunities from those who have walked a similar path before me.
Expanding on the original content, I am eager to gain insights and recommendations from individuals who have navigated the challenging balancing act of work and university studies. I am particularly interested in learning about the experiences of those who may have regretted not taking advantage of certain opportunities or wish they had made different choices. Hearing diverse perspectives will allow me to make informed decisions and avoid potential pitfalls as I navigate this crucial period in my academic and professional development.
The AI Legalese Decoder can help me navigate this situation by providing access to a wealth of information and experiences from individuals who have encountered similar challenges. By utilizing the AI Legalese Decoder, I can gain valuable insights into the potential regrets and missed opportunities of others, allowing me to make more informed decisions as I embark on my academic and professional journey. Additionally, the AI Legalese Decoder can offer guidance on effective time management, achieving a work-life balance, and making the most of my university experience while excelling in my career. This valuable tool will enable me to approach my university and career choices with confidence and clarity, ensuring that I can make the most of this pivotal moment in my life.
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****** just grabbed a
As in I go back in time to when I was 19, or IÔÇÖm 19 in 2023? Because the answers will be very different.
I regret combining my finances with my partner.
I absolutely recommend a separation agreement or some form of legal agreement before you become defacto.
I was advised to pay off my partners debt with an agreement that he would contribute more to the mortgage. It was because the guy had to have his debt paid off for two years before we could get a mortgage and the interest on his debt was going to cost “us” more in the long run.
Never do this.
No matter how much you love a person or think they’re genuinely kind and would not shit on you – they will shit.
Protect your money and date people who are responsible with money. Debt and addictive personality type (eg: vaping, paying things off all the time) are red flags for a reason.
Edit to add: if you’re buying a house get the smallest mortgage possible and put the highest deposit on. That way you pay it off faster meaning you pay less interest over time. Then you upgrade once it is paid off. This way you use your house sale money as a bigger deposit for the next place – you borrow less overall and pay less interest. Interest is expensive so if you don’t need to borrow as much, don’t.
Look after my teeth
Stay at home with parents and avoid flatting until you can put a deposit onto a house. I wouldÔÇÖve saved around $45,000 in rent and not drank so much alcohol with flatmates and developed bad habits and poor health. Staying at home might be less fun but youÔÇÖll have your freedom much sooner once you have a mortgage
I should have looked more carefully before going into teaching. While there have been plenty of pluses, the stress and the mental health aspects being there for other peopleÔÇÖs kids is not appreciated. I should have done more to get out when I was 26 – I didnÔÇÖt try hard enough. Only now at retirement, do I wonder if I had the right career.
I was 19 in 1999. I’d go see this guy called Sam who has this new website called trademe? He is out looking for investors so I’m going to buy a 20% share of it.
Take more risk
I wouldnÔÇÖt waste my money on alcohol
I wouldn’t bother with a Business degree. It’ll be useless. Do engineering or something.
I would invest. Start early, your 40yo future you will be thankful
I probably would have done a gap year or a student exchange
Not let myself get manipulated into a whole pile of debt. DonÔÇÖt get joint loans. DonÔÇÖt have your pay go into your ÔÇÿpartnersÔÇÖ account, donÔÇÖt get joint accounts
not study medicine + buy bitcoin and Tesla stock.
Break up with my partner, be single and enjoy my self and go travel and travel then study then save once after study and actually party / study and enjoy that time 
Then work or start my own business or work for someone and start saving and living how I WANT 
I was already at uni but would have taken a break and worked to pay for therapy because i wasted my time in the public health getting no where.
Returning to uni, probably picked up a nursing conjoint degree instead of psychology. Would’ve traveled more doing locum work. If I got sick of it, maybe settled in a non-clinical role elsewhere or retrained to be something else.
Honestly the only thing I’d change is buying a home earlier. I don’t regret the nights out or struggling when I first had children. Looking back that was fun, wife and I had more of a connection struggling and finding fun adventures. All comfortability has provided is quiet spaces alone now haha
Stay out of dumb debt wherever possible.
If I was 19 and had the knowledge I have now, Save and buy a house early as possible, study my arse off.
Less money on fast fashion and make up and start investing. I would also stop caring about what other people think – like go for that scholarship, make that business give things a go!
Rootin more chicks. Never should have bought a car. Would buy a $150k 4 bedroom house and ride the capital gains harder than a boomer.
1. made a budget and tracked my expenses. I was pretty frugal and spent within my means for the most part, but i just didn’t know my incomings/outgoings and priorities very well yet. I wish I’d known myself better and examined my expenses to figure out what was really worth it. e.g. I got my hair cut every 6 weeks because that is what i did growing up (because my mom’s haircut needed shaping that often), but i now know that is ridiculous for my hair type.
2. not get into credit card debt during grad school. my student loans were bad enough, i didn’t need to make it worse! this made my mid- to late-20’s all about paying off debt instead of enjoying life and saving as much as I could have.
3. following on 1 & 2, i wish i had started saving earlier.
4. stop worrying so much about my college major or my career. it all works out, trust that you are enough and will find your way.
I don’t regret moving around the world, traveling, enjoying my life, experiences with friends, time with now-passed family members, etc., but I could have been a lot smarter with the minimal income I did have if I’d just read some books and gotten interested in personal finance earlier!
ETA: I’m from the US and moved to NZ in my 30’s, so me at 19 is purely from a US perspective (hence, the student loan debt).
I would buy a guitar rather than a PlayStation.
If I went back to when I was 19 I’d just buy more and more properties with free money from govt policy and other people then spend my days ranting about how I’d done it all on my own two feet. Beats building a productive export business. Too much hard work.
There are two things which I periodically kick myself for doing.
Firstly not learning social skills. I know this is a finance sub so let me put a finance slant in it. The number one thing that negatively impacted my career and especially my early career is my weakness with relationships.
Secondly that while university was awesome fun, I really should have focused on getting out the other side. Deciding what job I wanted and then doggedly taking any step in that direction is not smart career management.
Other lessons were from notably older than 19.
I would have been more actively house hunting so I donÔÇÖt impulse buy the house I have now.
I would be trying to escape my religion sooner.
I wouldnÔÇÖt have wasted my time with the people I wasted time and emotional energy on.
Learn to live off 50% of my income and invest the rest, avoid lifestyle creep, then pay off my mortgage as soon as possible!
(And retire at 45)
Party hard and enjoy your youth, so long as you don’t rack up enormous debt, you’ll be fine.
By all means get a degree, but five years into the job market nobody caries what you studied at Uni. Something versatile like engineering, accountancy or computer science is best though, as you need to get that first step into the professional world.
Every cent into Apple when it was under 50 cents/share !!
Properly drop university and try to find a job lol.
19 was such a turning point for me. I would have tried to increase my income, moved out from the family home, try to make a better future for myself but also socialise more
Not be so frivolous with my money. Save and invest. Maybe rethink my career choice too. 19 years the wiser now
Career wise, I’m happy.
Investments, I wish I’d started investing earlier. Even just a small amount would have compounded nicely by now.
Get my drivers license, there’s a fair few job opportunities thay have passed me by without it
I’d like to go back to being 16 years old so I could drop out of school and start working full time and take up a trade.
The only thing that was a bigger waste of time than university was NCEA.
– Learn about finance and money in general.
– start saving (saving first and then spending)
– Invest in myself, learn new skills, read etc.
– Build better friendships and relations
I’d have never moved to NZ. 19 is exactly when I first got the idea (did it at 24). Actually, I’d start with not dating the girl whose brother planted that idea in my head by going on a working holiday here lol.
Listen to my stoner mates about this website called the silk road and this token called bitcoin
I wouldnt have the other two kids, I would start investing and stop giving myself reasons to stay in shitty situations. It took me so long to get here, I should have been here much sooner.
Change my major to engineering, get the late night call centre job at BNZ (hardly any calls after 8pm back then, and the pay was awesome for the time!). Invest in the matched super fund, as well as learning about index funds earlier. Drink less, work out more, eat better. Don’t get married. I bought my first house at 26 so didn’t do too badly on that front, but I split it with my ex so if I’d saved harder I could have bought it on my own, and been mortgage free on my 2nd house (moved somewhere cheaper).