Spend $176,000 to become a social worker, brehettes

[Originalman]

This thread is going to do numbers but the real problem is asking someone who is 18 - 24 to make a major financial decision about the rest of their lives and most people that age aren't nearly mature enough to do that...

Also college pushes and teaches you to "follow your heart and dreams" and not do what makes logical fukking sense...

That is part of it. BUT the other part is Americans are believe if they ignore finances that it will go away. It ain't just youth.....you got parents in their 30s, 40s, 50s and 60s signing up for parent plus loans that they can't afford.

You got older adults in their 30s and older going to college getting loans for degrees that they ain't gonna finish or study in a field that won't pay shyt.

I worked with professionals who got master degrees in their late 20s and early 30s when working and owe 100K for grad school. Even though they already owed 50, 60, 70 and 80K from undergrad.

This ain't just a youth issue. This is an American issue where we make huge financial decisions without truly sitting down and crunching numbers to see if we can afford the shyt.

 

[King Poetic]

These women be having all that debt Then on top of that will swipe luxury items and vacations on a credit card. Move out with all that debt ,Lease a car they can’t really afford. Now they got the degree , Gucci and LV , apartment and a Benz and she’s a “world traveler” . And you ain’t shyt if you ain’t on her fabricated level

That’s why I always say don’t judge a book by a cover

For example.. about 10 years ago I did part time repo work with a co worker at a time…

It’s crazy how many times I went to nice cribs in these middle class and well to do neighborhoods and we taking these nice cars left and right because people are 4/5 months behind on payments …

But people love to live a image to make them feel they on a level as their boss

 

[Originalman]

She did ironically. I was in nursing school at the time. I needed to rent a room because I wasn’t working as much but I stayed in my apartment so she could take a stable roof over her head while she got on her feet. Going to class in the day and working overnight. She stayed there rent free for over a year while she got her IT certs.

She went from minimum wage to 80k in less than 2 years. I ended up having my car repossessed because I couldn’t cover all the bills and she gave me $1k to get it back but said I needed to pay her back

Wow. Yeah I am glad you got away from her. She was a real number......and one of the worst type of mates. Selfish, but wants you to cover shyt, entitled and financially irresponsible.

Trust you extended you lifespan and reduced your stress levels not being with her. Look some women (and men) are bad with money, but I give props to those who say hey I suck at this and let their significant other who is good with money handle the bills and finances. This is how it should be done.....not an idiot who is horrible with money make financial decisions and putting all the weight on the financially responsible partner.

 

[Kiyoshi-Dono]

$644 on a Nissan Sentra

 

[stepbackj34spud]

If she has a $600+ car note then she’s most likely driving brand new “status symbol” vehicle like a Mercedes or bmw so her insurance is likely over $200/month not to mention said vehicle likely also takes premium fuel and gets 20mpg. We’re talking over $1k a month in transportation.

Edit: apparently it’s a Nissan Sentra

Car insurance is way more expensive than that bro.

 

[skyrunner1]

$644 on a Nissan Sentra

How is that possible? What type of loan she signing up for

 

[King Poetic]

How is that possible? What type of loan she signing up for

Her credit is like under 300

 

[13473]

she is an actual model w/ an agency. but it doesn't seem like it pays much. her side hustles = about 1500 & she's driving all day doing 4 shoots a week. she maybe makes $100 a shoot ... less actually since she listed a bunch of side hustles that make up that 1500



if she's working 12 hours a day like she said for $4500/month, she's averaging $12.85/hr. u don't need to go 200k into debt to get that.


lose the side hustles and just maintain 2 full-time jobs. idk if the new ad agency job is full-time. if it isn't, she should find something else
move to a cheap city since u work remotely, where rent isn't $2500/month
get a cheaper car
move to a no-overdraft bank. she paid around $500 in overdrafts i'm guessing and made $2800. that's nearly 20% of her income

 

[skyrunner1]

Her credit is like under 300

You can still get financing with terrible credit? Man thats crazy.. She paying Beamer prices for a super compact nissan, thats wild.. At that price just stack your money repair your credit and build up.. You gonna pay 3 times that sentra

 

[skyrunner1]

she is an actual model w/ an agency. but it doesn't seem like it pays much. her side hustles = about 1500 & she's driving all day doing 4 shoots a week. she maybe makes $100 a shoot ... less actually since she listed a bunch of side hustles.



if she's working 12 hours a day like she said for $4500/month, she's averaging $12.85/hr. u don't need to go to baylor to earn that amount.


lose the side hustles and just maintain 2 full-time jobs
move to a cheap city since u work remotely, where rent isn't $2500/month
get a cheaper car
move to a no-overdraft bank. she paid around $500 in overdrafts i'm guessing and made $2800. that's nearly 20% of her income

Sentra IS THE CHEAPER CAR?!

 

[beenz]

Cliffs:
She paid $176,000 for a BS in family and consumer sciences from Baylor universirty.
She's an enrollment advisor for a college, "model", actor, virtual assistant and brings in 4-4.5k a month before taxes.
She made $2,816 one month, spent $4,500
She spends $400+ a month on eating out.
She has a $644 car note.


No wonder all these women are looking for 6 cert, 6 figure brehs.

I don't know why so many women are averse to STEM careers where u are guaranteed money. the only high paying jobs they typically have are nursing or in education.

also, women are usually much worse with finances than men. most cannot budget for shyt and only care about keeping up with the jones's at any cost.

 

[DA_LURKA]

4 jobs and only bringing in 4 - 4.5 K a month?

 

[downtheline]

$644 auto loan ? I’m willing to bet she has a newer model of whatever she’s driving.

 

[bourgeoisie tall freak]

her college loan story is crazy. she says her mom died when she was young and left a college fund. her dad spent it. then her dad convinced her to go to baylor at any cost even though she was accepted to cheaper schools

thanks dad

 

[bourgeoisie tall freak]

I don't know why so many women are averse to STEM careers where u are guaranteed money. the only high paying jobs they typically have are nursing or in education.

idk why so many people dont considered nursing stem