Personal Finance Is a military career a good option if you have nothing to lose? |
- Is a military career a good option if you have nothing to lose?
- Offered a huge promotion after quiting, help me not screw up the salary negotiations?
- I might get fired...for not working strategically?
- Hospital refuses to explain charges. What are my options?
- Sister recently passed away. Parents want to put the leftover amount of her life insurance policy down on my student loans.
- Inheriting 255 acres of land, what to do
- $160,000 at 21 or a 1-year Master's degree
- How do you handle giving gifts to your SO on Christmas when you’re both involved in the household finances?
- What can a successful man do prior to marriage to protect his asset in case of divorce?
- Selling employee owned stocks
- Grandma with dementia was scammed out of $15,000, what can we do to get the money back or get the scammers caught?
- How are all these credit card and personal loan companies getting my address?
- Mom took half of college debt, how to intelligently help her pay off that loan.
- $55k cash. 19k in student loans, 19k in car loans, 290k mortage. How best can we use this cash?
- Automotive Salesperson for 8 years. Received job offer with Financial Firm. Fork in the road.
- I'm 17 years old, and currently work at a fast food restaurant (getting paid minimum wage, it's also my first job) . I'm curious in how I can expand my financial knowledge.
- Buying our first home. How’s our budget for it?
- After nearly 8 years with my current employer, it's time for me to move on and I don't know what to do about my 401k.
- moving out- rent and deposit questions
- I Am Considering Buying My First Used Car On Monday
- My work pays for life insurance, but I have no dependents. Who gets payed if I die?
- Credit late payment due to security cancelling my card.
- Is it worth saving for retirement if you have student loans?
- I'm 21, college degree, debt-free, some savings, and hate my job. I want to find something I'm passionate about. How do I dig myself out of this rut?
| Is a military career a good option if you have nothing to lose? Posted: 27 Oct 2018 08:06 AM PDT Hey everyone, I wasn't quite sure what sub to ask this on but this one seemed the most appropriate. The title kind of says it all. I'm 20 years old, relatively fit and getting better everyday, no real close friends, pretty disconnected from family, and no SO (not that I'm here for the pity party). I'm going to a community college currently and I'm almost finished with an AA in Psychology. Took me a couple years but I don't think college is really for me. I'm currently working a minimum wage job with no chance of a promotion (my boss said that herself) and it gets me just enough to put gas in my car and occasionally get a decent meal. I remember in high school we'd always have military people over basically saying you can find your purpose in the military. Would a military career work out in both short term and long term? Just looking for any advice at this point. I'm on mobile so sorry for any mistakes. Edit: Well this got bigger than expected haha. I just got off work and I want to thank everyone who took some time to help me out. I got a ton of messages, I'll try my best to respond to each one. Thanks everyone, for the advice and words of wisdom. I have a lot to think about to say the least. [link] [comments]  |
| Offered a huge promotion after quiting, help me not screw up the salary negotiations? Posted: 27 Oct 2018 05:10 AM PDT I quit my job 6 months ago. Was with the company 4 years and felt like my career was stuck there since I hadn't been promoted and was passed up for a promotion I really wanted. I wound up quiting on a whim. I lied and said I was quitting because I got a better job offer. I thought I'd find another job quickly but... it's been 6 months and I'm still unemployed. My old boss's boss called me last week. He said he wanted to reach out personally because a job has come avalibke that he thinks I'd be great for. He said he knows it's only been s few months and that 'I'm probably settled into my new job by now' but that he would like me to consider applying for the job. He basically said that if I applied I'm guaranteed to get it. The job he offered me is a huge promotion. It's in line with the job i pretended to quit for. I want to accept it. Does anyone have advice on how to best handle this? I want to make sure that if I go back I am doing so on veey good terms for myself. I was very underpaid in my last position and I feel undervalued. I want to make sure I don't return under similar circumstance. Thanks!! [link] [comments]  |
| I might get fired...for not working strategically? Posted: 27 Oct 2018 03:26 PM PDT I'll try my best to paint a picture of my current work situation... I work for Company A (as a sub-contractor; I am not an employee) who lost a contract to Company B. We support a government client. For purposes of work transfer and continuity, Company B hired some of us from Company A in a short-term support agreement to help assist the knowledge transfer of work to the government client. My manager from Company A is basically telling me to be lazy, delay, give vague answers, etc., because once Company B is "done using us" we're all going to be let go. The problem is we support a government client and it is not in my nature to come to work 9-5 and do nothing (waste of tax dollars eh?). I tried walking the gray line of doing some work while not compromising us but my manager is not too happy either way. Company B managers assign me tasks and I have to do them because refusing work also does not look good? Company A manager called me last Friday and in a conference call with another manager basically said I'm on the chopping block unless I start becoming a better "team member." Why I'm stressed - If we get let go, they blame me and give me a bad review to my firm. If we get a long-term agreement from Company B, I still have a fractured relationship with Company A after this fiasco. I'm trying not to jump ship because my first employment I only worked for 11 month and on this one, again another 10 months. My resume is looking choppy. What do I do when I am morally conflicted and I have to keep several parties happy? [link] [comments]  |
| Hospital refuses to explain charges. What are my options? Posted: 27 Oct 2018 12:50 PM PDT My wife had outpatient surgery. The bill was $5k or so. We had/have the money, but the hospital offered a 0% payment plan so we sent them $50/month for roughly two years. Then a letter and a check show up saying that we overpaid our bill. By my calculations we still owed another $1k.
Two months go by and the hospital says the letter was a mistake and they added $1200 to what I thought the bill should be. I spent six months talking to customer reps who offered two explanations:
I was never able to get any more information than this. Not what the insurance isn't paying, not which departments transfered the bill. Only, "I'll have my supervisor look at this."
At some point the issue was elevated to a special office in the hospital that was supposed to "review" the bill. They reduced the bill by $150, but offered no explanation why.
That was four months (39 emails and phone messages) ago. The hospital won't even return my calls anymore. We're still sending $50/month. As I see it, all my options suck:
I'd appreciate any advice you guys have! [link] [comments]  |
| Posted: 27 Oct 2018 09:42 AM PDT Currently I have 40k in debt from my 4 years at state university. It's through a Wells fargo student loan with about an 10% or so interest rate between the 4 individual loans (they were taken out yearly). I have a decent credit rating, I haven't checked looked in awhile but it was 730 last time I looked. My sisters life insurance policy was for 40k. My parents said they expect funeral cost to be about 10-11k. Do I have any options for reducing my interest rates or minimum payments? Should I just put the money down in full on my loans? My loans do not go into repayment until march. Edit: Do I have any options for refinancing the loan at a lower rate? (is that the proper term?) [link] [comments]  |
| Inheriting 255 acres of land, what to do Posted: 27 Oct 2018 09:38 AM PDT Hello reddit, this is my first post. Hope this topic is not out of place. I have recently inherited approximately 255 acres of land in Missouri. I have had this land appraised within the last year to be worth $1,192,000. This land is generating $18,000 gross income every year from various leases. I am only twenty years old and currently in my third year of college at Ohio State University. The previous mentioned leases were set in place before I inherited this land. Those leases will expire in about 2 years which will be right around the time I graduate college. I want to know how I can best utilize this asset to help me generate extra income when that time comes. I can't help but think that with an asset worth just over one million dollars, there should be some other options that make more income than it currently is. I guess my big question is that, given such a large asset, how can I use it to help support myself throughout my life? Hope I didn't leave out too much information, I am pretty clueless when it comes to this kind of stuff. I just don't want to look back at this asset I have been given in ten or twenty years and think, I could have utilized it ten times better. Thanks in advance. [link] [comments]  |
| $160,000 at 21 or a 1-year Master's degree Posted: 27 Oct 2018 06:58 AM PDT TL;DR: choosing between doing a ~$40k master's degree in a year or taking a $160,000 job; $40,000 in loans, interest in research/PhD, discomfort at the idea of corporate slavery ----------- I am currently 20 and an undergraduate senior at a well known university in the United States. I have received a job offer from a large tech company in Seattle for a software engineering position that starts after I graduate, a few months after I turn 21. I also applied to (and was accepted to) my school's accelerated master's program for computer science, which I can drop out of at any point or finish within an extra year. My job offer expires in 4 days. As someone who has no idea what they want to do with their life, I have been wracking my brains about what I would like to do - especially since the offer is a mind-boggling $160,000 in total first year compensation. This is especially ridiculous to me, coming from a once-dirt-poor immigrant family that as far as I know has never even broken $100k in household income. It is well known that engineers at the company can quickly progress to $200,000 after a year or so, and then a cool $350,000+ within ~5 years of graduation. Being a longtime lurker on /r/financialindependence, it seems like an extremely lucrative opportunity FIRE-wise, and from a purely financial perspective, it seems like a no-brainer. It would also allow me to rapidly eradicate my $40,000+ student loans. I am also concerned about being chained to a desk for a large part of my adult life in the pursuit of capitalism, but that is another post (novella?) in itself. Suffice it to say that although I interned for this company over the summer and found the work at least somewhat interesting (although very intense), the prospect of doing cutting edge research and "helping the world" instead is extremely enticing, and I feel I would in some sense be selling out if I took the job. I could also potentially kill myself by doing both at the same time (online master's). If I wanted to do the master's or a PhD later (company will pay for some of it after a year of work), it would take 2 years and would not be at the same caliber of institution as my current one, due to my underwhelming 3.2 GPA. (I do have research experience, but it is not too focused). If I wanted to do the Master's, I can also convert this full-time offer to another summer internship and then start in 2020 with a salary bump as well - the company is not going anywhere. However, the Master's would run me about $40,000 in total for the year- about a $200,000 opportunity cost. Is this really worth it? I am sorry if this sounds condescending or hoity-toity to anyone. I am just as confused as you as to why somebody wants to pay me three times the median household income as soon as I can legally have a drink. I would really appreciate any help, especially from engineers/scientists who have gone through something similar. Thank you! ----------- Edit: $160,000 is in total compensation; the salary is about $100k with the rest being a signing bonus and stock. Yes, this is a legitimate offer I have in writing from a very large and well-known company after a summer internship. Edit 2: Sources to prove that these are the state of current tech compensation packages. Please don't just downvote because you think I'm lying. https://www.paysa.com/salaries/google https://techcrunch.com/2016/12/02/what-interns-and-new-grads-really-get-paid-at-top-tech-companies/ Edit 3: The research experience I mentioned I have is in Computational Astrophysics and Computer Vision/Image processing. I have done undergraduate research for a little over 2 years. Edit 4: Holy crap this blew up. Did not expect this much feedback, it's been amazing. It's all been super helpful, thank you guys so much. I think I'm 80% sure about taking the offer at this point. As a side note, I think this is the most controversial post I've ever seen. Damn. [link] [comments]  |
| Posted: 27 Oct 2018 06:41 PM PDT I'm starting to think about a big ticket Christmas gift for my wife but we are both hands on with financial decisions and overall transparency. It sounds cliche, but I don't want anything. I know she'll say the same, but would love to get the gift I'm thinking of. But if I ask her to create a gift budget, then I'll end up getting a gift I don't actually need and, In essence, we'll end up paying double for her gift. So how does you handle this situation in your family? [link] [comments]  |
| What can a successful man do prior to marriage to protect his asset in case of divorce? Posted: 27 Oct 2018 06:39 PM PDT I live in IL, but I might move to CA in the future. I earn a high income and have about $150k in savings, I also have some stocks and mutual fund investment. I'm also planning to start a small business next year (LLC or S corp). In case my business does well, I would really like to protect my assets. The girl I'm thinking of marrying does not earn much income. And while I love her, one can't be too careful in this day and age. What can I do to protect myself in case she cheats on me which will force me to divorce her? I would like to know how to protect my current assets, and preferably, future assets as well (as much as possible). Thanks [link] [comments]  |
| Posted: 27 Oct 2018 05:03 PM PDT I'm hoping someone can explain if and how one would go about selling employee owned stocks. My husband has almost $4k, that is 100% vested, in stocks with a company he is about to leave. He also has just under $9k in his 401k. We plan on leaving the 401k alone, but with the stocks is it possible to sell them? I wouldn't even know where to begin the process outside of knowing the company name that handles it. [link] [comments]  |
| Posted: 27 Oct 2018 06:31 PM PDT I just found out that my husband's grandmother was just scammed out of $15,000. The scam started two weeks ago, we know this because my mother-in-law is her durable power of attorney and saw the money removed from the account. What does my mother-in-law need to do to take control of her mother's finances 100% and what can we do to report this scam? Edit: I forgot to mention an important piece of the scam; the scammers claimed that she won 8 million dollars, all she had to do was pay these fees and taxes. The scammers instructed her on how to send the money and what amounts, told her what to tell people, told her to keep the prize money a secret, and also told her to get a secret cell phone. As far as we know right now the scammer is based out of NewYork, the name on the certified mail is the same name that has suddenly been showing up on her phone bill. We live on the opposite side of the country. [link] [comments]  |
| How are all these credit card and personal loan companies getting my address? Posted: 27 Oct 2018 06:10 PM PDT I've recently started to receive a lot of junk mail about applying for credit cards and personal loans. I graduated from college about 6 months ago and move to a new place. The school doesn't have my updated address so even if the companies saw I recently graduated they'd send the info to my old apartment. The only place I put my updated address is during the registration process for my federal and private loans. I looked into refinancing on SoFi recently and might have put my address during a soft pull for rates. Is this how the companies got my info? Is it allowed? How do I make it stop? Is it safe to throw them away or do I need to shred them? [link] [comments]  |
| Mom took half of college debt, how to intelligently help her pay off that loan. Posted: 27 Oct 2018 03:14 PM PDT My long time girlfriend's single Mom split her college debt with her as a long standing agreement when she went to college. Her Mother has never been financially well off but is really frugal and intelligent and has been diligently paying this loan ever since, always on time. Now that my girlfriend has finished paying "her part" of the loan and has a steady job and income, she wants to take/pay off as much as her Mom's debt as she is willing to let her take (her Mom is stubborn about doing her part). The question is, what is the most intelligent way with taxes and interest in mind to do this? I don't know what type of loan her Mom has or any of the details. I figure there should be some beneficial loan types or methods since it's ultimately my girlfriends student debt that she will, in some way, be paying. Another thought would be methods to write off the money going toward the debt. Her Mom also has other normal debts in the forms of a mortgage and car payment. My girlfriend is 32 and makes about $75k/year and owns a home with me. Thanks for the help! [link] [comments]  |
| $55k cash. 19k in student loans, 19k in car loans, 290k mortage. How best can we use this cash? Posted: 27 Oct 2018 04:10 PM PDT Basically the title. My fiancee and I graduated a few years ago from uni. Fortunately she had no student loans and I've been holding off talking to her about paying off mine. We got a house earlier this year so I broached the subject when I realized how much cash we actually have since she inherited some money recently. My car I paid off a few months earlier was totaled from being stolen and I had to get a new one. Against the popular sentiment here I didn't get a beater (forgive me!) I made it abundantly clear that I wouldn't do anything to touch her inheritance but since we are getting married soon, I tossed the idea out there to tackle some debt and she received it well! Was hoping to get some input from others on how to best tackle this. If it is any help, our gross take home is ~$105k before taxes off the top of my head. Here's a summary of everything. Breakdown: Student Loans: $19,250 @ 3.9% Car 1 Loan: $16,666 @ 2.5% Car 2 Loan: $2,498 @ 2.5% Mortgage: $287,750 @ 4.375% My thinking is to knock off Car Loan 2 and pay off the student loans. I kept the mortgage in the breakdown for the full picture even though I don't have much intention to throw a bunch of money at that yet, unless popular opinion says otherwise. Thanks. [link] [comments]  |
| Automotive Salesperson for 8 years. Received job offer with Financial Firm. Fork in the road. Posted: 27 Oct 2018 12:58 PM PDT Good afternoon, Over the past couple years I've been pondering the idea of a career change, not only to earn more, but to broaden my skill horizon and perhaps move away from my current city to experience more in life. Although, it's easier said than done, especially as a commissioned salesperson who has a mortgage, 5 year relationship with a wonderful woman, an-already great career/workplace, and the potential for internal promotion. A credible Financial Firm reached out to me about a job opportunity as a Financial Advisor. I attended the information session, then I applied and got invited to the hiring process which is vigorous, long, and difficult. It included 2 phone-interviews, credit check, criminal check, 4 hour virtual assessment, and 2 in-person interviews. The process took about 3 months, and finally I received a job offer to hire on. The idea is that they'll pay me a percentage of my current annual income for the first 4 years while I get trained, earn my licences to sell product as an FA. The income diminishes every 4 months by 5% as I build my practice and earn asset bonuses. However, the first 3-4 years is where you'll live frugally and busting your ass doing door-knocking, finding 25 quality prospects per day, and doing training modules, etc. Also, they fly you to Mississauga for training and graduation. So it will be a long process to hopefully earn $100K+/year with travel rewards, building your own schedule, and building your branch where you get your own office assistant, etc. NOW, I currently work as a Salesperson at a Honda dealership and have a decent client-base which gives me a great living earning $60K+ each year. I get Weds/Sundays off, free Golf membership, perks such as being able to drive any car I want, not having to lift anything heavy (besides a booster pack), sell a great product (new/used), and have a great mentor who promises that I'll get a management position whether it's a Finance or Sales Manager - however, this hasn't happened yet and I don't believe it will anytime soon as we have 2 finance managers already. But he keeps telling me to keep putting my time in and it will come. The Financial Advisor opportunity will be in the city I was born in, which is about 2 hours away from where I live now and grew up. It would be fantastic to move back there and start a new career in that wonderful city. I do have a house that costs me close to $2K/mth which is fine. I have a student renting out a room now paying $650/mth and can afford the rest no problem. Now, if I accept this opportunity, I'll be training at home for the first 14 weeks with less pay. I can rent the room out and get by. There's an unfinished basement I could renovate for $20K and rent that out for $700 per month and get that back in under 3 years. Summary: Keep my house (rent it out) and rent a place in the other city while building my FA practice? IDEA: Leave current city, keep house, earn more, get more experience. Sorry for the long rant. If I can get a good response from anyone, it would be much appreciated. I don't have a lot of time. [link] [comments]  |
| Posted: 27 Oct 2018 07:26 PM PDT I want to know and create good financial habits. I want to start creating and practicing them early in my teen years since I could financial risks. I want to know how to invest and about stocks as well. I do go on Khan Academy and check out Accounting but I want to know what you guys have learned through your years. I do plan on pursuing higher education, either going to college or a trade shop. However, I do not want to have student debt on my shoulders once I graduate so I'm still thinking about that. Extra Info: I do not have any expenses other than gas for my car and my phone bill. I put in 16 hours a week (School + Sports + Work Eek!) I make roughly $320 every 4 weeks. Edit: I also plan on putting on more hours once I finish my Cross Country season to around 30 ish. [link] [comments]  |
| Buying our first home. How’s our budget for it? Posted: 27 Oct 2018 07:08 PM PDT We're married, mid-20s, child free, living in a HCoL area. We've been renting for 4 years and had pretty much enough of it. I should say from the start that the homes we are looking at are new constructions, so we are not worried about sudden HVAC or roof issues. Here is our plan for buying our first home:
What do you guys think? Are we ready to purchase a home, from a financial POV? We also contribute to retirement and save around 25% of our monthly income. We haven't spoken to a mortgage officer yet and we wanted y'all opinion. [link] [comments]  |
| Posted: 27 Oct 2018 04:46 PM PDT Hello everyone. I (26/M) will be leaving my employer of nearly 8 years on good terms. I'm moving on to focus on my education and will be working part time for my father's small business to help support myself. My current employer offers a 401k that I have been contributing to. With what they also match, it's currently at roughly $32k. I'm hopeful someone here may be able to offer what to expect as my options moving forward and helping me choose the right option for me. [link] [comments]  |
| moving out- rent and deposit questions Posted: 27 Oct 2018 04:41 PM PDT Hi everyone, My current roommate is a nightmare. I never signed any paperwork -do I need to give them a month's notice? I don't want to be a bad person but I need to move out. Are there any legal issues with this? Second question, new potential landlord wants the rent in cash. He asked if my check was "local"- I said no because I just moved to this new state. I said I wasn't comfortable - I've never had to pay that way and I don't want to be walking around with a bunch of cash. I know people in other questions have said to get a receipt- but I don't see how a piece of paper receipt protects me at all from fraud. thoughts? [link] [comments]  |
| I Am Considering Buying My First Used Car On Monday Posted: 27 Oct 2018 03:07 PM PDT The car in question here is a 2012 Toyota Prius One listed at $10,980.00 with 47k miles. To me this is a great price, I commute daily and need a vehicle with good gas mileage. However, the vehicle was in an accident 08/31/2013, with "damage to the rear". I checked the rear of the vehicle and under the rear of the vehicle and didn't see any misalignment, or anything out of the ordinary. I also noticed the vehicle has an open recall for it for software updates, and throughout it's lifespan, has had two other "software update" related recalls. I have already gone down to the dealership and test drove the car. It drove very well, and I didn't notice any issues. It was responsive, and felt good to drive. The power mode worked good, eco seemed fine, all the features were there and nothing felt or sounded strange with it. So far it appears to be in extremely good condition. I checked the AC, tires, paint, engine, lights, touch screen and it's various features, under the car, interior, exterior, under the seats, trunk, battery. Just about anything I could think of to see if something was wrong with it. Everything looked great. My concerns are this: Is this a fair price for the vehicle, considering its history of having a "car accident" and the "software update recall" ? Is there anything I should be aware of before paying cash for the vehicle on Monday? TLDR: I am paying cash for a 2012 Prius One Monday, but it has an accident history "rear damage" and a recall for "software updates" on it. Is its current price of $10,980.00 a good price for a Prius of that year with 47k miles on it, considering the accident and recall? KBB has the vehicle priced a few thousand higher than the current listed price. I have already test drove the car and heavily inspected it, it seems to be in excellent condition. [link] [comments]  |
| My work pays for life insurance, but I have no dependents. Who gets payed if I die? Posted: 27 Oct 2018 10:28 AM PDT (or spouses) Ideally, I'd like to put this (potential) money towards a charity. Can this be done? I was also thinking of donating my body to science, so there wouldn't be a need to pay for body preservation or cremation or whatever. [link] [comments]  |
| Credit late payment due to security cancelling my card. Posted: 27 Oct 2018 05:57 PM PDT So, I'm working 6-12s on nightshift right now so I don't have a lot of time to keep up with finances etc, hence I have all my accounts on auto pay. I generally pay all my balances off monthly but I had a balance on my regions credit line and the due date slipped my mind. Apparently somehow, someone thousands of miles away managed to add my card information to their Samsung pay account, tried to use my card and regions cancelled the account, which cancelled my auto pay. I was notified by email the account was cancelled but not informed my auto pay would be cancelled. Well, my due date passed by and I also was not notified bc they also cancelled my notifications via text message. They finally called me after it was sent to collections. While I'm happy their security department protected me from fraudulent card use, I'm unhappy about not being notified of my alerts and auto pay being cancelled and having a derogatory mark on my credit. So here goes: should I be worried about one late payment mark on my credit? Can I file a dispute? Should I cancel this line of credit because I'm angry at their customer service? Credit score is currently 760 and I don't plan on buying anything soon but I'm petty and vindictive and don't appreciate this situation one bit and would rather take my business elsewhere. [link] [comments]  |
| Is it worth saving for retirement if you have student loans? Posted: 27 Oct 2018 12:56 PM PDT I assume not. If the interest rate on the loans is > return on 401k or whatever investment you're doing, then you should just pay the loans of first instead of doing any investing, right? If this is true, should you actually use all the money you would have used for retirement investments and dump it in to student loans? I've heard that paying student loans off too fast can make your credit score look bad. Thanks for any clarification, and sorry if this is covered in the Wiki and I missed it. [link] [comments]  |
| Posted: 27 Oct 2018 09:25 AM PDT Hey everyone, I could use some advice. I've lived life by the book and really feel like I haven't lived at all. I don't know if r/personalfinance is really the right place for this question, but I hope somebody has some advice. About Me: I'm 21, going on 22. I graduated college this past May after only 3 years, 3.96 GPA, top honors in Political Science and Philosophy. My Finances: Income: $2,550/mo (39k salary) Debt: $0 Savings: 14k cash (3.8k savings, 10k Money Market "emergency fund") Expenses: ~1k/mo ($790 rent + utilities, $200 food) [I'm a penny-pincher that lives on rice and beans] The Problem: I'm not happy with life. I dread going to work in the morning, I feel like my brain isn't being put to use, and my health isn't a focus. Most importantly, I've lost all my passion. The problem is I don't know what I want to do in life. I went to school for Political Science and Philosophy. I don't want to do the pointless work of Capitol Hill, but Philosophy doesn't offer the best job prospects. I could go to grad school and enter academia, but that's a huge investment for not knowing what I want in life. I currently do Digital Strategy for a non-profit. I've quickly learned that social media is not my forte. However, I also fear I'm just lazy and entitled. I procrastinate at work (lazy?) but it's because I have no passion. I've only been working 4 months; I have no reason to complain? I'm obviously an incredibly smart and talented person (not trying to brag). Currently, I just feel like my actual talents are being wasted... The Question: I feel like I just need a life change. I want to do something I'm passionate about. I went straight from college to work; did everything I'm "supposed to". Like any person my age, I would love to start a podcast, make YT videos, learn stock trading, travel, something I can be learn and be passionate about. But those things don't put food on the table. I don't have any debt, and I have some savings. I just don't know if I can justify quitting my job to chase clouds. Also, hopping from job to job trying to find the right one doesn't look great on a resume. I could do a passion in my free time, but when I get home from work, I'm just too tired and depressed to do anything. Please help. I don't know what I want in life, and I feel like I'm just spinning my tires at the moment. It's been awful for my mental health. TL;DR: I'm 21, no debt, 14k cash, and bored with my life. [link] [comments]  |
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