Graduate soon...what can I start doing now to prepare for life?

[OliviaTwist]

I’m in a relationship rn!! She wanna live together I’m like bae nooooo

Im a female and I’m telling don’t do it. Maybe in the future ONLY IF you see yourself marrying her but it’s important for the both of you to live separately first.

Don’t go spending all of your money on a brand new car and rent some apartment you can barely afford. Now is the time to develop good personal financial discipline while you don’t have any major responsibilities.

Start building your credit for when the time comes for major purchases. Having no or low credit is just as bad as having shytty credit. Yeah you may be able to afford that $25k pre owned car but that interest is going to eat you up. The fastest way is with credit cards but again, if you don’t have any financial discipline credit cards are also the fastest way to get yourself in trouble.

With all that being said enjoy your youth but do so RESPONSIBLY. Appreciate this time where you aren’t saddled by a wife and kids and can do as you please. Travel with you and your friends as well as your girlfriend. Don’t just go to work and come home to pay bills. Because there will be a time where that’s all you will have time to do. I wasn’t much of the party type in my college/early 20s but I definitely had my fun. Now at 28 I have a very strict bedtime and my knees hips and back from time to time.

They say youth is wasted on the young for a reason

 

[R=G]

Your generation sucks so you better not conform first and foremost

 

[Bossyyyyy]

Your generation sucks so you better not conform first and foremost

Elaborate a bit?

 

[Ciggavelli]

How do you try to finesse the situation on LinkedIn? What I’m really bad at is asking people for stuff, I hate doing it

You can apply to job posting directly on the site, and you can say on your profile page that you’re looking for opportunities

 

[Deep_Black_Conscious]

Im a female and I’m telling don’t do it. Maybe in the future ONLY IF you see yourself marrying her but it’s important for the both of you to live separately first.

Don’t go spending all of your money on a brand new car and rent some apartment you can barely afford. Now is the time to develop good personal financial discipline while you don’t have any major responsibilities.

Start building your credit for when the time comes for major purchases. Having no or low credit is just as bad as having shytty credit. Yeah you may be able to afford that $25k pre owned car but that interest is going to eat you up. The fastest way is with credit cards but again, if you don’t have any financial discipline credit cards are also the fastest way to get yourself in trouble.

With all that being said enjoy your youth but do so RESPONSIBLY. Appreciate this time where you aren’t saddled by a wife and kids and can do as you please. Travel with you and your friends as well as your girlfriend. Don’t just go to work and come home to pay bills. Because there will be a time where that’s all you will have time to do. I wasn’t much of the party type in my college/early 20s but I definitely had my fun. Now at 28 I have a very strict bedtime and my knees hips and back from time to time.

They say youth is wasted on the young for a reason

it's because we don't know anything when we're young because we lack life experience
that's why everyone suffers from FOMO, because of fear of regret
You only get to be young once but not everyone is going to be doing what they are supposed to be doing in that time frame
Some people are late bloomers
Luckily I look very young for my age

 

[dave]

congrats on the upcoming graduation. gonna be tough getting a job with COVID happening and the market in general.

like other posters said, save and monitor your expenses. develop the mentality of sacrificing now for something better in the future.

in terms of living, look for roommates until you can afford to live on your own. my guess will be 3-5 years assuming you progress at least 1-2 levels.

if you have connects, contact them and if not, look for opportunities to network. what's your degree in and have you had any internships in that field? start building your profile on LinkedIn. many employers look to that as a credential.

i did it the old fashioned way. no connects and worked from the bottom-up. started as a temp and now a director. it's a grind. a lot of early mornings and late nights but looking back, it's been worth it for the most part. got my own place in city, no debt, disposable income, able to take care of my parents, and still have a social life outside of work.

all the best to you OP. godspeed.

 

[Prodyson]

Title.

I’m 22, and currently, I am on the job hunt and finishing up school. I’m learning how big networking is as well, because I’m getting some crazy looks just because I know so and so.

I am investing and saving pretty heavily and really wanna do any/ everything I can to make more $$ with my $$.

Regarding finding a place, it’s likely I’ll be going back for a few months after I find a job in order to stack $$ and find an actual place.

I’m very big into self improvement and fitness. Everyday I’m trying to become more disciplined, because I’m finding that discipline seems to be a key to a good life.

I just want to keep all of the momentum I have currently to keep building. If there’s something I need to be doing as a young man, I’d like to know other things I can do now to become better tomorrow, next week and so on

Don’t be afraid to move somewhere random for a good opportunity (with really good pay). You’re young with no family. It’s best to do that while it doesn’t affect anyone else. Being the guy who’s willing to move/travel will really pay off in the short term and long term. You’ll progress through your career a lot more quickly. Even if it’s Kalamazoo, Michigan.

 

[dark_magic]

Gonna look into this today

As you keep studying, you may arrive at the point where:

1) Debt is tax free money.
2) Taxes (and the tax code) make you money.

But those realizations come much further down the road and your system has to be designed for that (along with the mindset to handle it all).

 

[blues_funk_reggae]

I just wish I had a better grasp of investing at 22. Had I put in money into stocks like apple and Netflix I'd be sitting on a bank right now.

 

[ExodusNirvana]

1. Save your money
2. SAVE. YOUR. MONEY.
3. Wear a condom
4. Exercise
5. Travel


That's it. Do that until you hit your 30's and you're gonna wake up one day and smile. I promise you.

 

[Mr.Plan B]

Political Science - going to law school down the line

I envy you I wish I could have went to school for that. I chose to follow money and go with finance. shyt are you willing to move or relocate anywhere? Lots of job out here

 

[Bossyyyyy]

I envy you I wish I could have went to school for that. I chose to follow money and go with finance. shyt are you willing to move or relocate anywhere? Lots of job out here

Mannnn I’m after the money too lol had the chase not been worth it in your experience? I thought finance was where the $$ at

also, yes I’m definitely willing to relocate. For a few of the jobs I’ve applied to, I’ve indicated that as well, but I’m not sure how the “apply for jobs out of state” process looks like, esp when you hired and it’s time to move

 

[Bossyyyyy]

1. Save your money
2. SAVE. YOUR. MONEY.
3. Wear a condom
4. Exercise
5. Travel


That's it. Do that until you hit your 30's and you're gonna wake up one day and smile. I promise you.

Hell ya big dawg. I’m not gonna lie, after my savings hit a certain point, I’m gonna think a savings acct is pointless (I already do).

Aside from the stock market what are good ways to save/ compound your $$?

 

[Bossyyyyy]

I just wish I had a better grasp of investing at 22. Had I put in money into stocks like apple and Netflix I'd be sitting on a bank right now.

Me when I think of $GME

builds character i guess

 

[Bossyyyyy]

Im a female and I’m telling don’t do it. Maybe in the future ONLY IF you see yourself marrying her but it’s important for the both of you to live separately first.

Don’t go spending all of your money on a brand new car and rent some apartment you can barely afford. Now is the time to develop good personal financial discipline while you don’t have any major responsibilities.

Start building your credit for when the time comes for major purchases. Having no or low credit is just as bad as having shytty credit. Yeah you may be able to afford that $25k pre owned car but that interest is going to eat you up. The fastest way is with credit cards but again, if you don’t have any financial discipline credit cards are also the fastest way to get yourself in trouble.

With all that being said enjoy your youth but do so RESPONSIBLY. Appreciate this time where you aren’t saddled by a wife and kids and can do as you please. Travel with you and your friends as well as your girlfriend. Don’t just go to work and come home to pay bills. Because there will be a time where that’s all you will have time to do. I wasn’t much of the party type in my college/early 20s but I definitely had my fun. Now at 28 I have a very strict bedtime and my knees hips and back from time to time.

They say youth is wasted on the young for a reason

Ok, considering you’re a woman, how do you recommend I go about telling her? I’m pretty sure she knows I’m on the fence about it, but by the looks of things she’s all in, looking for places and all. I just personally don’t feel ready to live with her, and definitely don’t feel ready to enter a contractual agreement with her.

There are benefits such as saving money, but at what cost? We’ve been together about 1.5 years, but seems a bit too soon for me