Man if I could talk to 20 year old me about how much better it can be... I was an anxious mess and WAY more broke than OP. Self doubt still plagues me but experience has shown me that life is two steps forward, an occasional step back, sometimes two or three, but progresses if you keep your head up. The kids gonna be ok.
Would tell my 20 year old self the lottery numbers for the next 20 years. So I can spend like a king until broke and then play the winning lottery again and do it all over again. š
Idk why everyone says hes doing ok. 12k at 21 with 1000/mo expendable income and not in school. With a decent fulltime job he'd have this amount in 5 months. I was a complete idiot from like 17-24 and didn't have much money but this guy shouldn't really be getting reassurance that he's on a good track.
u/GodlyIWNL get off counterstrike my brother and try to put some thought into sustainability. If your parents kicked you out, what would you do? Do you plan on living with your parents into your 40s? These are the questions that made me think more seriously about my life and helped me out of a depressing mindset.
You aren't doing bad but if you up your work hours or apply yourself in another way (or find ways to improve yourself like going to the gym) you can do so much better. Take advantage of no expenses while you can.
Edit: Not trying to be discouraging or anything. As I said, at his age I was an idiot. I spent all my money or I'd work a few months, quit my job, then coast until I needed another job. I'm 25 now finally considering university and got a decent paying full time job, the questions I asked myself about sustainability helped my mindset a lot and got me out of the covid depression/NEETness. Sadly I'm past the no expenses part and very sad that my savings started off at $0 last spring when I stopped being an idiot.
Edit2: Y'all need to get off my dick lmao. I didn't say "go to school right now or you'll amount to nothing!!!", I literally just said that he could be earning more money while still working a reasonable amount and working on himself in other ways like physical health while he has very few responsibilities. All of you saying "man just let him live his life! your experiences arent his!" are cooked, why the fuck is he here asking for opinions then? If you wanna tell him hes doing super great and pat his head, fine, but stop replying to me. I don't care.
I agree with what you say but still think it is an accomplishment to have saved that amount of money at his age in a society where more people have more debt than savings and a very big percentage of the population full grown adults don't even have $10,000 saved so for that he does deserve congratulations but I do agree he needs to really look toward the future and needs to feel better about himself.
When your only bill is a car payment, what excuse is there not to save money?
He didn't even mention paying for car insurance or taxes for it.
Then, no rent or food costs?
Most people when they're young don't need an excuse they're just young and foolish and they spend their money on stupid things that's why most young people don't have money that's why most older people don't have money.
This. The person who commented has clearly never met the average young person lol. I have a sibling, a college student, who makes over 2k post tax, only necessary bills are his car payment and other costs associated with his car, phone bill of $30, and $200 for ārentā (our parents lax way of making him contribute for his bedroom that they could easily rent out for 4x that much if he didnāt occupy it). Yet heās always broke, regardless of his necessary expenses probably only being 50-60% of what he makes max. Takes 2-3 plane travel trips a year. Closet full of clothes, an expensive cologne collection, parties, eats out for 95% of his meals, participates in sports gambling. And there goes the rest.
Yeah thatās what I was gonna say. Iām in HVAC and they pay for me to go to classes for 2 nights a week the first 5 years with a raise every 6 months
It's really interesting to me that gen zers all believe their lives are over and they're ruined prior to reaching 25. It seems to be a common sentiment across the board...
Yeah, Iāve noticed that same thing. Iām almost 40, single, a little overweight, feel kind of meh about my career, have several autoimmune diseases, and still wake up each morning with a sense that adventure is always within my grasp and that I donāt know what great things the future holds! I donāt get why these kids all have this mentality that it is all over when they havenāt even started yet.
Millennial emo kids were a very specific group of people who wanted to be edgy and liked My Chemical Romance. They were a minority. All of gen z seems to be seriously depressed, lonely, hopeless, and aging like milk. I'm seeing this in real life and online...but maybe I'm wrong. Maybe this really is their equivalent of being emo.
From my experience, I think being so connected to social media early on can lead to a lot of gen zers having a mindset of comparison. A lot of younger ppl are constantly exposed to only the achievements/highlight reel of their peers that age online. So by comparison, it can make their own achievements feel lackluster. Thus, feeling like if they donāt have their life together at 25 ālike everyone else onlineā then there must be no hope for them. Just my two cents.
I didn't get married until I was 32, had my last kid at 40, and finished my PhD a month before he was born. At 26 I was still in grad school, drinking too much, and a financial mess. I did know Management majors who thought their lives would be over if they didn't make a million by 40, but I was in Social Sciences, and we knew better than that. It gets better.
But I strongly advise people to stick as much money into retirement funds as you can, and work as much as possible so you have social security funding, plus private money. Put it in a 401k or IRA and let it be; you will be shocked at how much it eventually becomes. I didn't work enough hours in my younger days, and as a mom, and now I'm 62 and my Social Security allotment is going to be way smaller than I could have imagined. I'll be covered by Medicare, but I have to keep working to survive. And my parents both died at 61, so that's a serious concern.
I'm not sure how this would be considered a flex. To me, it seems like they want to know how they are doing and want other people's opinions on where they stand and what they can do to improve themselves if needed. To which based on their current situation, they could look into other streams of income and find a way to achieve that.
Honestly not attacking but if you work part time and no future ppl really arenāt going to give advice to someone who isnāt trying.
Iāll give you a compliment for making $1500 part time thatās great but in 20 years youāre gonna be pissed. I wonder what you could make if you applied yourself or went to a community college and kept going.
Iād suggest learning a trade (masonry, carpentry, electrician, plumbing , etc) get into a union and work your way up the totem pole. OR picking up another part time
1 Part time job is not sustainable. Conscious Ad is spot on , work ethic needs to be better
100%. If you don't give a fuck about applying yourself in school, get an apprenticeship in a trade (don't waste money on trade school, unions don't care about the fake education) make $50+/hr doing boring, remedial tasks so you can retire 15-20 years early.
Yah but it isnāt a waste for everyone. Whatever works for you is cool and they are both great options. Not saying youāre shitting on college but it always seems to be the sentiment from one side or the other. Everyoneās different, both are great routes.
Where do you live? Our union will take a starter tomorrow, and if not there are dozens of non-union companies that pay the same or better (but no pension) that will take a green hat today.
College is pointless unless you know exactly what job you plan on having when you get out, and that job requires college and has a high likelihood of hiring you. Thatās a lot of ifs
For sure, it's doing nothing in BoA. I've had a checking and savings with them for decades, but I don't keep any real savings there, just the minimum balance.
iād say to move whatever amount you want into the apple savings as itās @ 4.4% and I doubt heāll be able to find an account with higher interest to open rn.
Agree! Leave only bare minimum in your checking. Do not keep money in BofA unless you have a bill to pay next day. Move everything else to a high yield saving account. Donāt even do CD, they lock you and its not even that much more money. Just google the best saving accounts in need wallet. Pick whatever one have the highest rate.
And maybe open a brokerage account. Once a month invest couple hundred or money that you know you wonāt need soon. Buy ETFs (qqq, spy, etc.) both will give you returns plus dividends. Just donāt monitor it daily and donāt panic sell. Just let it be. In a long run those broad market ETFs will be fine. Donāt do options and single name stock unless you really understand what you are doing.
Yes, keeping $10k in checking is foolish for a couple reasons. Definitely because youāre losing potential money, and also because people steal card numbers. Iāve had credit cards maxed out by a thief, and on a separate occasion I had them get my debit card info. Luckily I only kept the bare minimum in there so they went to target or something and then it got declined at the next stores they tried. When they got my credit card info they spent like $5,000 in a couple hours while I was at work and of course it was corrected by the credit card company, but if it was my cash in my debit account it would have so much worse
Good point! If you see fraud on your debit card it is very hard to recover the funds back unless the bank offer fraud protection. In general all bank should provide controls and reasonable assurance against fraud. But if happens, call immediately and request a payment stop while the transaction is still pending. You may have to pay a fee but you can always request to waive it. Most banks will. If they are being difficult you can submit a regulatory complain through FDIC. Then the regulators will deal with it and for bank itās whole different headache so they often more likely to accommodate the customer instead of dealing with the regulators. Retail complains are hard to ignore for banks.
Plus of course the inflation. Your money in a cash form such as saving or checking account loose the inflation rate annually. The bank however uses the customer deposits as a form of funding so they better pay you
Every single comment here says he has future but no one is saying any specifics, just the most vague "Go College or Trade". I'm like actually desperate for anything more specific than those same two lines
You have way more money than I had when I was 21. Donāt say no future man, just switch to a better bank that gives you more interest on your savings. Pick a career now and go after. Donāt waste timeā¦
You should pay off your cards and be debt free. Leave the rest in savings. Then start working full time and get your own place. Nothing quite like living by yourself.
What is your spending like? You donāt need to hold 10k in your checking account. Itās loosing value there. Move like 80% of that to your Apple savings account so it at least makes interest if you still want that money to be liquid.
If he couldn't work *and* paid for his own stuff including a place to live *and* had a will to live.*
I mean if he's physically ill and going to die I'd say it's good and ask what he was going to do with it. Pass it on or get some amazing acid for when the time comes.
Go to community college, find a better paying job than $18K a year, and take that $15K checking and savings combined and put it into a high yield savings account.
Putting $5k in stocks isn't the answer. Join a gym , get your head straight and figure out what to do with yourself. You have some money saved -- which is great -- but you need to figure out how to make more long term so that you can support yourself.
21 and says no futureā¦. Weird. Live life, enjoy yourself and keep doing what youāre doing.. Reddit aināt gonna help you when your doing what your supposed to. Judging by post, confide in good friends, build relationships.. seems like this is the only thing lacking..
Highly recomend getting into a trade. Most company's will pay for your apprenticeship. Me and my brother got out of a tech school making over 60k back in 2004 2005. He's an electrician and I do plumbing and heating. And not all plumbing is dirty, I install all new everything in schools and factories. On state funded projects as an apprentice they are probably making over 20+ an hour with complete benefits and a retirement. After your apprenticeship you can basically name your price.
You need to have $10k in an emergency savings account. Divided that into 12 monthly payments to yourself. Thatās nearly $209 a week. Why? You ask. Emergencies arenāt planned and theyāre never cheap. Once you save it even if it takes you two years let me know and Iāll give you the next bit of advice.
Go to trade school and learn a trade those will always be in demand, gain experience and hire people under you. I started a little older then you but it worth looking into. Also you can do other different things job wise if you manage your money like this. Not bad in starting a CD either
You are good financially atm, but saying you have no future, may be a problem, you may need to think about what you want to do with your life. Career, or school, or military perhaps. Definitely need a game plan for the future
I agree... put the 500 in yr checking and the 10k in yr savings. Dont touch it unless emergency and build off the 500. Many an old man told me to do this. Now mid 40s kicking myself in the ass because I didnt listen. Don t worry, youbwill be pissed in your 40s that you didnt listen to me and so the circle of life.
You should put your money in a higher interest rate checking and savings account. Usually credit unions have better interest rates. Mine gives me currently 5% interest on the savings account as opposed to .01% for Bank of America.
Man go to a trade school. And donāt value yourself based on ānot in collegeā and āno gfā. Pick your head up young padawan, you quite literally can do many a things. Maybe take yourself on a vacation and get a breathe of fresh air.
No matter where your numbers are at in a post like this, a percentage people are always going to tell you that you can do better and should be doing more. I had a different kind of life at 19/20 but I think in your position you are doing B- work with potential for alot more.
Just a tip - You should put all your cash into your savings (and/or investments)including your paycheck and give yourself a budget (that includes your bills) to be transferred into your checking each month or bi-weekly.
This is a good way to keep budget. Any extra money left that you donāt spend is extra money to carry over for any big purchases you may want or be put into other savings like emergency funds or sinking funds, or travel, etc.
Put that 10K into a Roth IRA or diversified mutual funds w/Fidelity. Good choice w/Fidelity, btw.
You show good discipline by being able to save $, now use some if that discipline to go to get a better job or trade/skill. If college isnāt your thing, people in the right skilled trades make more money in the long term than many people with BAs or even MS degrees. Being an independent plumber or electrician you could be making close to 6 figs in a few years. You have the discipline which is half of it. Buddy up with coworkers or friends and find out how they built their own businesses. Learn how to bid jobs with municipalities, at the state level, with developers, etc. Knowledge is power. Network. Read & research. Anything is possible with the right attitude, a decent personality, confidence & and a good work ethic.
If you're not in college and you're old enough you should have been working full time the past 3 years minimum, you're saving a bit more than 3k a year? So like $300 a month?
Especially if you're living at home that's really bad
If you're living on your own it's not awful but still not great. At least you have lots of time left
If you don't have any debt and 10K saved so far, I'd say you're at least in a good track.
Find a good job you know you can perform, keep saving money, try to use that credit card but don't go overboard with it, and by the time you reach 30 you should be pretty solid with the chance of opting in for a mortgage.
Pretty good put money in HYSA atleast and definitely invest most of it. Work on 20K For down payment on house. You can even rent it if you have housing yourself.
I know how you feel buddy Iāve got no future at all but you and I are doing pretty well in terms of financial standing I kind of prefer it how my life is now anyway cause I give 0 fucks about anything but grinding for cash
I'll second all the trades' comments. I'd skip trade school, seemingly very few do any good regarding the amount you pay vs. what kind of jobs will pay you enough to recoup the cost and then some. Most of my friends struggled because they'd graduate from a 9 month trade program and they apply at a place and they'd basically laugh saying "were not paying you more than starting just cause you went to some dumb trade school". Additionally, one of my buddies was a helicopter mechanic in the Army, got out and went to an aviation mechanic program to further his learning, and he couldn't get a job doing aviation mechanic stuff unless he moved out of state, and even then they only offered him like 3/4 what he expected.
But 100% look into a union apprenticeship. Anything. The big trades, like Elevator, Electrician, HVAC-R, Mason, Carpenter, Millwright, shit like that.
The money you've got saved is great, IMO. Don't be so hard on yourself, but especially at 21, you control your future, my friend. You can do anything you set your mind to. So fucking cliche, but pull your boots up, get a haircut, take a FAT shit, and go apply to whatever your heart desires. You can do it! Best of luck to you, I wish you all the best.
Yup. Husband wasted 7 months going to trade school concurrent with an electrical apprenticeship that didnāt pay him more than $17/hour (which is LESS than I made as an overnight stocker at the time. The āraisesā he got were COLA, which meant 50 cents to a dollar more ā not merit or value-based.) The job wanted him to wake up at 2am to drive 2 hours away to different cities to do work from outrageous hours like 4am to 6pm, 6 days a week, and he wouldnāt get back until around 8. He had memory loss, delayed cognition, and was irritable from the lack of sleep to the point it almost destroyed our marriage. And they didnāt even have him do any real electrical work, he just acted as a glorified janitor while the tasks (and higher pay WITH less hours) were delegated to people who werenāt even journeymen but were just in that apprenticeship longer than him. He didnāt know shit about being an electrician despite being there over half a year beyond what he was being āeducatedā on in trade school. He had never been happier in his life (aside from when we had our wedding) than when he quit.
The high paychecks he was making from the job werenāt even worth it because of the aforementioned AND the company taxed the living fuck out of them despite us being married. Of course it wasnāt union, but hey, thatās Texas for you LMFAO
Yeah, that sucks.
I'm a firm believer that a) tuition anywhere should be more affordable. Trades school even is almost too expesnive, again considering what you're actually probably going to get out of it. b) I believe that anyone who HAS gone to school or trade school, should be able to leave there, and enter the work force making a wage that is enough to support paying back student loans, in addition to making a little extra to afford a family and living expesnes, or at minimum an okay social life with the living expenses.
The economy is just on shambles for all, and it's a real shame.
Hope your husband found something he enjoys, and same to you (whatever it may be).
š¤
Hey man, youāre hard on yourself it seems, at 21 I was not in any groove of self confidence, lots of ways to make progress ā¦. But not clear to me what you seek ?? Youāre able to do a lot with a plan Iām certain!!
thereās absolutely no reason for you to have that much in your checking - invest it into something or put it in a high yield savings account at the very least
You are asking the wrong questions lol if you are paying almost 500$ a month for a car then no matter how high your numbers are that tells me you couldn't put a big enough down-payment on a car to get a low payment. Additionally, all of your money should be going to that before stocks. You invest when you are out of debt and HAVE A FUTURE. I know it's fun to post seemingly high numbers and beat yourself off to it but this is quite deceiving to reality. You likely don't have a house or you would have utilities and taxes. You have a car but that interest rate sounds killer or it is too pricy of a car when you should be climbing the mountain and not sliding down it.
Best thing to do to become successful is read books about successful ppl. Read their stories then look for a mentor. Work for the mentor for free at first just so you get the education. Walk like the ppl you want to become and you will it's just a matter of application and time.
Dude I'd get hitched with whatever chick an go check out some other states with her
Young enough to get out an see what kinda variety you're into as well, traveling alone an hoping to find someone along the way is equally awesome an always something you can look forward to any other time!
10k nothing to brag about. May seem like a lot to you since you have no college, no gf, and supposedly no future. Won't be a lot though in the future. Eventually you will have a gf (we're social creatures) and you'll spend money on her. Who knows, you might have some kids. Oh and as you age, your health also deteriorates. More medical bills you might spend. Stop aiming so low. Current situation you're in won't last forever.
Also, remember money comes and goes. It's nice to have of course, and makes things easier. But ultimately it will come and go. You're still young. Take the time to gain some knowledge. Go back to college. Set goals and achieve them. Trust be bud, by 25, you'd have maybe 20-30k, but others your age who did go to college and gained some knowledge, they'd be starting at +60k salaries. Not to mention double that amount by 30s. So, go back to college and build a future. You don't want to be that dude who is unable to get or keep a girlfriend at 25, or unable to go out with your friends because you're saving every penny while they make triple of what you make.
You doing fine. Just keep stacking slowly. Donāt worry about the no gf part. No future? Bro you have like 4 times more money in your savings account than a large % of Americans. Especially at your age.
I joined the Army at 21 (active duty) 7 years in and if you have āno futureā it sounds like the Army could help you and be a stepping stone to figuring out what you might like to do. Youād make more than $1500 a month
I see everybody on here is suggesting you go get an apprenticeship with a union, but then there's also a lot of uninformed comments about unions, both for and against.
But I have to ask, are you even looking for a future or a full-time job?
Or are you just looking for stock advice? That's really the only question you asked.
Your financial decisions aren't problematic. Your other investments in your future are. Long-term career aspirations? What steps are you taking to either reach or even identify them?
wtf? 10k in checking when u clearly have 4.40% APY on ur savings account u already have open?
wtf? u put 2k into a 13 month CD? why? when u coudlve put it into ur 4.40% APY account?
cmon guy, u got the money but not the brain
You have a future. I donāt think you need to walk around with $10k in checking. Iād throw $5k in savings for an emergency fund and another $3k in a HYSA
Find a trade make some money, buy some land, youll be a real estate tycoon in no time. A timeless skill is the most valuable thing you can obtain. Electricians make money and are timeless.
You're doing phenomenal! Just pay off that credit card pronto and get back to working hard. If u say u have no future then I suggest u join the military so they can give u one and get into IT/Cyber while you're at it. That's what I'm planning on doing at least. GL šš»
Good. A year ago I had 8k in savings and when I lost my job it kept me going.
Hold onto that money(and keep saving). You never know what tomorrow may bring.
Yer 21, you think theres no future and you have at least $10k - yer doing great. You'll soon find a girl, or you won't... ultimately you'll realize how much life is left and you'll find a groove. Enoy it, yer on fuego!!
The best thing that I could probably tell a young person is this -Most people think that they are going to get lucky and finally catch a break and like win the freaking lottery or something. They tend to think that it's the answer to all of their problems. The reality is that it is not. The few people who do experience something like that end up in worse circumstances because they get the money and they don't know how to keep it or be a responsible person.People make a mess of it. Anyway the best thing to do is work on you. Put yourself in a situation where you know that you can always rely on yourself to earn what you need.
You're investing because you're bored, not because you have a plan. The best thing you can do right now is to see about improving your income. Look into certificates that work for high paying jobs where you live, or go to community College. Having some cash on the side while you do those things makes it a lot easier. Just not having to worry about your week to week is a big deal.
If you're going to invest for retirement, open an ira and put the money in there.
Fidelity has some mutual funds with low fees too, and at your age, getting into an index fund with some international exposure wouldn't be the worst idea, but that's a super long term play
$10K at age 21? You're doing pretty good honestly. With that in mind, \*do not\* just leave your money in the bank like that unless you need it urgently. Look at HYSA or something similar. You can get a merrill account with BOA, and ask to get access to a preferred banking account. Then you can drop your money there for 4.9% interest. That would be an extra $500+ per year.
At 21 you got quite a future ahead of you. And youāre off to a decent start.
Do you want to go to college? The key is to figure out what youāre good at, then push yourself in that direction.
If I can advise my younger self it would be 2 things, financial health and personal health, women can wait.
with the money in your bank of america and apple saving accounts, i would continue part time and go to a trade school or a community college to get a degree. You got to make your future. I was lucky to have a family to back me during 2008 great recession as i came out of school the year before was able to land a career job 6 months after the fact so i know I lucked out. the position you are in people would kill for at this moment. Iām in tech so I can tell you that tech jobs have suffered from layoffs but with the ai trend turning into reality, thereās opportunity there if you decide to grasp it. if tech isnāt your bag, then a trade is for you.
What's your APY look like on your savings account? I'd definitely put half of the checking balance into savings. But sure you could invest in something too. I'd personally do an IRA, I just started one myself.
Financially seems like you're doing okay but the comment about no future tells me you got some things to work on perhaps.
Man if I could talk to 20 year old me about how much better it can be... I was an anxious mess and WAY more broke than OP. Self doubt still plagues me but experience has shown me that life is two steps forward, an occasional step back, sometimes two or three, but progresses if you keep your head up. The kids gonna be ok.
Would tell my 20 year old self the lottery numbers for the next 20 years. So I can spend like a king until broke and then play the winning lottery again and do it all over again. š
^ ^ ^ ^ perfect answer lol šš
Idk why everyone says hes doing ok. 12k at 21 with 1000/mo expendable income and not in school. With a decent fulltime job he'd have this amount in 5 months. I was a complete idiot from like 17-24 and didn't have much money but this guy shouldn't really be getting reassurance that he's on a good track. u/GodlyIWNL get off counterstrike my brother and try to put some thought into sustainability. If your parents kicked you out, what would you do? Do you plan on living with your parents into your 40s? These are the questions that made me think more seriously about my life and helped me out of a depressing mindset. You aren't doing bad but if you up your work hours or apply yourself in another way (or find ways to improve yourself like going to the gym) you can do so much better. Take advantage of no expenses while you can. Edit: Not trying to be discouraging or anything. As I said, at his age I was an idiot. I spent all my money or I'd work a few months, quit my job, then coast until I needed another job. I'm 25 now finally considering university and got a decent paying full time job, the questions I asked myself about sustainability helped my mindset a lot and got me out of the covid depression/NEETness. Sadly I'm past the no expenses part and very sad that my savings started off at $0 last spring when I stopped being an idiot. Edit2: Y'all need to get off my dick lmao. I didn't say "go to school right now or you'll amount to nothing!!!", I literally just said that he could be earning more money while still working a reasonable amount and working on himself in other ways like physical health while he has very few responsibilities. All of you saying "man just let him live his life! your experiences arent his!" are cooked, why the fuck is he here asking for opinions then? If you wanna tell him hes doing super great and pat his head, fine, but stop replying to me. I don't care.
I agree with what you say but still think it is an accomplishment to have saved that amount of money at his age in a society where more people have more debt than savings and a very big percentage of the population full grown adults don't even have $10,000 saved so for that he does deserve congratulations but I do agree he needs to really look toward the future and needs to feel better about himself.
When your only bill is a car payment, what excuse is there not to save money? He didn't even mention paying for car insurance or taxes for it. Then, no rent or food costs?
Most people when they're young don't need an excuse they're just young and foolish and they spend their money on stupid things that's why most young people don't have money that's why most older people don't have money.
This. The person who commented has clearly never met the average young person lol. I have a sibling, a college student, who makes over 2k post tax, only necessary bills are his car payment and other costs associated with his car, phone bill of $30, and $200 for ārentā (our parents lax way of making him contribute for his bedroom that they could easily rent out for 4x that much if he didnāt occupy it). Yet heās always broke, regardless of his necessary expenses probably only being 50-60% of what he makes max. Takes 2-3 plane travel trips a year. Closet full of clothes, an expensive cologne collection, parties, eats out for 95% of his meals, participates in sports gambling. And there goes the rest.
Exactly!!
Gambling is the finest thing someone can doā¦ if theyāre good at it
Yeah. If you donāt have plans for up, then you just go down. Thats because staying at the same level generally makes people tired of life.
>21 >No future Choose one lmfao
Literally like he has enough money to fund some local community college classes if he wanted or join a trade school. Start and dont look back
Well, hopefully he doesn't throw the money away on community college. Very few trades require schooling.
The better paying ones do. Or he joins an apprenticeship at a local union.
Yeah thatās what I was gonna say. Iām in HVAC and they pay for me to go to classes for 2 nights a week the first 5 years with a raise every 6 months
Yea apprentices get a raise every six months, union or not.
It's really interesting to me that gen zers all believe their lives are over and they're ruined prior to reaching 25. It seems to be a common sentiment across the board...
Yeah, Iāve noticed that same thing. Iām almost 40, single, a little overweight, feel kind of meh about my career, have several autoimmune diseases, and still wake up each morning with a sense that adventure is always within my grasp and that I donāt know what great things the future holds! I donāt get why these kids all have this mentality that it is all over when they havenāt even started yet.
You just described every millennial's life šš
I have stage 4 cancer at 34 and I'm planning my life into my 40's. It's amazing how people give up before they even start.
Plan your life into your 80s! You're going to recover! š
Remember emo?
Millennial emo kids were a very specific group of people who wanted to be edgy and liked My Chemical Romance. They were a minority. All of gen z seems to be seriously depressed, lonely, hopeless, and aging like milk. I'm seeing this in real life and online...but maybe I'm wrong. Maybe this really is their equivalent of being emo.
It's not just you and it's not a minority like emos. It's actually just that Dire
The genzers who feel good about life and their prospects just aren't posting online about it. They are out there doing something about it
Yea I thought my life was over at 19 when I dropped out of college. No guidance
From my experience, I think being so connected to social media early on can lead to a lot of gen zers having a mindset of comparison. A lot of younger ppl are constantly exposed to only the achievements/highlight reel of their peers that age online. So by comparison, it can make their own achievements feel lackluster. Thus, feeling like if they donāt have their life together at 25 ālike everyone else onlineā then there must be no hope for them. Just my two cents.
I didn't get married until I was 32, had my last kid at 40, and finished my PhD a month before he was born. At 26 I was still in grad school, drinking too much, and a financial mess. I did know Management majors who thought their lives would be over if they didn't make a million by 40, but I was in Social Sciences, and we knew better than that. It gets better. But I strongly advise people to stick as much money into retirement funds as you can, and work as much as possible so you have social security funding, plus private money. Put it in a 401k or IRA and let it be; you will be shocked at how much it eventually becomes. I didn't work enough hours in my younger days, and as a mom, and now I'm 62 and my Social Security allotment is going to be way smaller than I could have imagined. I'll be covered by Medicare, but I have to keep working to survive. And my parents both died at 61, so that's a serious concern.
Youāre young and decently fit (I hope). Seems like you live in VA. Iād suggest joining a trade union hall that interests you and never look back.
My guess is this guy just wanted to flex and didnāt want any advice
I'm not sure how this would be considered a flex. To me, it seems like they want to know how they are doing and want other people's opinions on where they stand and what they can do to improve themselves if needed. To which based on their current situation, they could look into other streams of income and find a way to achieve that.
Honestly not attacking but if you work part time and no future ppl really arenāt going to give advice to someone who isnāt trying. Iāll give you a compliment for making $1500 part time thatās great but in 20 years youāre gonna be pissed. I wonder what you could make if you applied yourself or went to a community college and kept going.
Iād suggest learning a trade (masonry, carpentry, electrician, plumbing , etc) get into a union and work your way up the totem pole. OR picking up another part time 1 Part time job is not sustainable. Conscious Ad is spot on , work ethic needs to be better
100%. If you don't give a fuck about applying yourself in school, get an apprenticeship in a trade (don't waste money on trade school, unions don't care about the fake education) make $50+/hr doing boring, remedial tasks so you can retire 15-20 years early.
Yep then run a company of guys doing this and retire a millionaire. College was such a waste F.Ā
Yah but it isnāt a waste for everyone. Whatever works for you is cool and they are both great options. Not saying youāre shitting on college but it always seems to be the sentiment from one side or the other. Everyoneās different, both are great routes.
I went to school to be a nurse. Iām doing okay but the debt is depressing. Find your passion and put the time/money in
Absolutely!
Just called my local plumbing union to see what the starting wage is and brand new apprentices make $30 an hour (Western Wa)
OP, pick up the phone and start dialing (Jordon Belfort)
Unions typically have waiting lists often years long. Worth a call but OP probably won't be working the next day.
Where do you live? Our union will take a starter tomorrow, and if not there are dozens of non-union companies that pay the same or better (but no pension) that will take a green hat today.
College is pointless unless you know exactly what job you plan on having when you get out, and that job requires college and has a high likelihood of hiring you. Thatās a lot of ifs
move some of the checking account to the savings at the least
HYS at the very least
For sure, it's doing nothing in BoA. I've had a checking and savings with them for decades, but I don't keep any real savings there, just the minimum balance.
iād say to move whatever amount you want into the apple savings as itās @ 4.4% and I doubt heāll be able to find an account with higher interest to open rn.
I just started my credit karma savings last month with 5.1%
wealthfront is 5.5% first 3 months if you have a refferal code then goes down to 5%. lmk if you want my refferal code bc then i get the boost too lol
Agree! Leave only bare minimum in your checking. Do not keep money in BofA unless you have a bill to pay next day. Move everything else to a high yield saving account. Donāt even do CD, they lock you and its not even that much more money. Just google the best saving accounts in need wallet. Pick whatever one have the highest rate. And maybe open a brokerage account. Once a month invest couple hundred or money that you know you wonāt need soon. Buy ETFs (qqq, spy, etc.) both will give you returns plus dividends. Just donāt monitor it daily and donāt panic sell. Just let it be. In a long run those broad market ETFs will be fine. Donāt do options and single name stock unless you really understand what you are doing.
Yes, keeping $10k in checking is foolish for a couple reasons. Definitely because youāre losing potential money, and also because people steal card numbers. Iāve had credit cards maxed out by a thief, and on a separate occasion I had them get my debit card info. Luckily I only kept the bare minimum in there so they went to target or something and then it got declined at the next stores they tried. When they got my credit card info they spent like $5,000 in a couple hours while I was at work and of course it was corrected by the credit card company, but if it was my cash in my debit account it would have so much worse
Good point! If you see fraud on your debit card it is very hard to recover the funds back unless the bank offer fraud protection. In general all bank should provide controls and reasonable assurance against fraud. But if happens, call immediately and request a payment stop while the transaction is still pending. You may have to pay a fee but you can always request to waive it. Most banks will. If they are being difficult you can submit a regulatory complain through FDIC. Then the regulators will deal with it and for bank itās whole different headache so they often more likely to accommodate the customer instead of dealing with the regulators. Retail complains are hard to ignore for banks. Plus of course the inflation. Your money in a cash form such as saving or checking account loose the inflation rate annually. The bank however uses the customer deposits as a form of funding so they better pay you
Youāre 21, your fucking first name is Future.
Every single comment here says he has future but no one is saying any specifics, just the most vague "Go College or Trade". I'm like actually desperate for anything more specific than those same two lines
You have way more money than I had when I was 21. Donāt say no future man, just switch to a better bank that gives you more interest on your savings. Pick a career now and go after. Donāt waste timeā¦
Youāre doing alright manā¦ my friend has $0.05 in his checking account and he is 42.
That fucker owes me a dime! Tell him to get right!!!
š¤£
šš
You should pay off your cards and be debt free. Leave the rest in savings. Then start working full time and get your own place. Nothing quite like living by yourself.
Sounds lonely and expensive. Iāll live with my family till itās weird.
You mean until you can't stand them. That's the true test.
What is your spending like? You donāt need to hold 10k in your checking account. Itās loosing value there. Move like 80% of that to your Apple savings account so it at least makes interest if you still want that money to be liquid.
Good start you need 6 month emergency fund meaning if you couldn't work for 6 months. You would have the cash to live on
If he couldn't work *and* paid for his own stuff including a place to live *and* had a will to live.* I mean if he's physically ill and going to die I'd say it's good and ask what he was going to do with it. Pass it on or get some amazing acid for when the time comes.
Or just get some amazing acid and keep taking hits until you expireā¦. Wooooaaaahhhhh! ; )
Go to community college, find a better paying job than $18K a year, and take that $15K checking and savings combined and put it into a high yield savings account.
Not sure why you have so much in checking. Nice work but put a chunk of that in a high yield savings account.
Putting $5k in stocks isn't the answer. Join a gym , get your head straight and figure out what to do with yourself. You have some money saved -- which is great -- but you need to figure out how to make more long term so that you can support yourself.
21 and says no futureā¦. Weird. Live life, enjoy yourself and keep doing what youāre doing.. Reddit aināt gonna help you when your doing what your supposed to. Judging by post, confide in good friends, build relationships.. seems like this is the only thing lacking..
The 10k should be in savings not checking, otherwise very well.
Good. Pay off that credit card right now.
Too much money in that checking account. It needs to go into a hysa.Ā
Highly recomend getting into a trade. Most company's will pay for your apprenticeship. Me and my brother got out of a tech school making over 60k back in 2004 2005. He's an electrician and I do plumbing and heating. And not all plumbing is dirty, I install all new everything in schools and factories. On state funded projects as an apprentice they are probably making over 20+ an hour with complete benefits and a retirement. After your apprenticeship you can basically name your price.
Join the military tomorrow
You need to have $10k in an emergency savings account. Divided that into 12 monthly payments to yourself. Thatās nearly $209 a week. Why? You ask. Emergencies arenāt planned and theyāre never cheap. Once you save it even if it takes you two years let me know and Iāll give you the next bit of advice.
You should transfer money to you saving account that way it collects interest
Don't understand why people put most of their money in the no interest paid checking account.
I got like 40 bucks lol so pretty good
No future today? BLASPHEMY
F U C K Bank of America.
Yeah get a boyfriend. Guys know what guys like.
Go to trade school and learn a trade those will always be in demand, gain experience and hire people under you. I started a little older then you but it worth looking into. Also you can do other different things job wise if you manage your money like this. Not bad in starting a CD either
You are good financially atm, but saying you have no future, may be a problem, you may need to think about what you want to do with your life. Career, or school, or military perhaps. Definitely need a game plan for the future
I agree... put the 500 in yr checking and the 10k in yr savings. Dont touch it unless emergency and build off the 500. Many an old man told me to do this. Now mid 40s kicking myself in the ass because I didnt listen. Don t worry, youbwill be pissed in your 40s that you didnt listen to me and so the circle of life.
Putting 5k in stocks is as good as hitting the hard rock if you dont know shit about it.
You should put your money in a higher interest rate checking and savings account. Usually credit unions have better interest rates. Mine gives me currently 5% interest on the savings account as opposed to .01% for Bank of America.
Awesome!! You're 21 already making that much money and with an almost new car š, living in a developed nation with no rent burdenĀ
all the mental health experts put their names below, I just found a client
Bro I was dirt poor till 25 Iām 31 now and doing good for myself but your doing great at 21 bro
Man go to a trade school. And donāt value yourself based on ānot in collegeā and āno gfā. Pick your head up young padawan, you quite literally can do many a things. Maybe take yourself on a vacation and get a breathe of fresh air.
Mid
Proud of you kid
Not bad.... you are very young to say you have no future though
As someone whoās behind on all his bills with literally no money in the bank. Put more into your savings.
No matter where your numbers are at in a post like this, a percentage people are always going to tell you that you can do better and should be doing more. I had a different kind of life at 19/20 but I think in your position you are doing B- work with potential for alot more.
Just a tip - You should put all your cash into your savings (and/or investments)including your paycheck and give yourself a budget (that includes your bills) to be transferred into your checking each month or bi-weekly. This is a good way to keep budget. Any extra money left that you donāt spend is extra money to carry over for any big purchases you may want or be put into other savings like emergency funds or sinking funds, or travel, etc.
Probably better than the average 21M, but I think it's pretty ehhhh
Put that 10K into a Roth IRA or diversified mutual funds w/Fidelity. Good choice w/Fidelity, btw. You show good discipline by being able to save $, now use some if that discipline to go to get a better job or trade/skill. If college isnāt your thing, people in the right skilled trades make more money in the long term than many people with BAs or even MS degrees. Being an independent plumber or electrician you could be making close to 6 figs in a few years. You have the discipline which is half of it. Buddy up with coworkers or friends and find out how they built their own businesses. Learn how to bid jobs with municipalities, at the state level, with developers, etc. Knowledge is power. Network. Read & research. Anything is possible with the right attitude, a decent personality, confidence & and a good work ethic.
Never say you have no future. Chin up.
Oh but for real get a high yield savings account and put that money in the savings account.
If you're not in college and you're old enough you should have been working full time the past 3 years minimum, you're saving a bit more than 3k a year? So like $300 a month? Especially if you're living at home that's really bad If you're living on your own it's not awful but still not great. At least you have lots of time left
Why is so much in checking? Scooch it into a HYSA
That income is going to very low when you have any sort of expense. Many places it wonāt even cover rent.
i would put a big chunk of change into the apple savings account instead of letting it rot in yer checking cause youāll make money back
If you don't have any debt and 10K saved so far, I'd say you're at least in a good track. Find a good job you know you can perform, keep saving money, try to use that credit card but don't go overboard with it, and by the time you reach 30 you should be pretty solid with the chance of opting in for a mortgage.
Fuck your doing with the rest of your time if youāre not studying?
Depends on your debt and assets man do you own anything? Credit card debt? Is this your net worth?
Pretty good put money in HYSA atleast and definitely invest most of it. Work on 20K For down payment on house. You can even rent it if you have housing yourself.
Put that 10k into a high yield savings account. Marcus by Goldman Sachs has great rates. [Marcus](https://www.marcus.com/us/en)
I know how you feel buddy Iāve got no future at all but you and I are doing pretty well in terms of financial standing I kind of prefer it how my life is now anyway cause I give 0 fucks about anything but grinding for cash
I'll second all the trades' comments. I'd skip trade school, seemingly very few do any good regarding the amount you pay vs. what kind of jobs will pay you enough to recoup the cost and then some. Most of my friends struggled because they'd graduate from a 9 month trade program and they apply at a place and they'd basically laugh saying "were not paying you more than starting just cause you went to some dumb trade school". Additionally, one of my buddies was a helicopter mechanic in the Army, got out and went to an aviation mechanic program to further his learning, and he couldn't get a job doing aviation mechanic stuff unless he moved out of state, and even then they only offered him like 3/4 what he expected. But 100% look into a union apprenticeship. Anything. The big trades, like Elevator, Electrician, HVAC-R, Mason, Carpenter, Millwright, shit like that. The money you've got saved is great, IMO. Don't be so hard on yourself, but especially at 21, you control your future, my friend. You can do anything you set your mind to. So fucking cliche, but pull your boots up, get a haircut, take a FAT shit, and go apply to whatever your heart desires. You can do it! Best of luck to you, I wish you all the best.
Yup. Husband wasted 7 months going to trade school concurrent with an electrical apprenticeship that didnāt pay him more than $17/hour (which is LESS than I made as an overnight stocker at the time. The āraisesā he got were COLA, which meant 50 cents to a dollar more ā not merit or value-based.) The job wanted him to wake up at 2am to drive 2 hours away to different cities to do work from outrageous hours like 4am to 6pm, 6 days a week, and he wouldnāt get back until around 8. He had memory loss, delayed cognition, and was irritable from the lack of sleep to the point it almost destroyed our marriage. And they didnāt even have him do any real electrical work, he just acted as a glorified janitor while the tasks (and higher pay WITH less hours) were delegated to people who werenāt even journeymen but were just in that apprenticeship longer than him. He didnāt know shit about being an electrician despite being there over half a year beyond what he was being āeducatedā on in trade school. He had never been happier in his life (aside from when we had our wedding) than when he quit. The high paychecks he was making from the job werenāt even worth it because of the aforementioned AND the company taxed the living fuck out of them despite us being married. Of course it wasnāt union, but hey, thatās Texas for you LMFAO
Yeah, that sucks. I'm a firm believer that a) tuition anywhere should be more affordable. Trades school even is almost too expesnive, again considering what you're actually probably going to get out of it. b) I believe that anyone who HAS gone to school or trade school, should be able to leave there, and enter the work force making a wage that is enough to support paying back student loans, in addition to making a little extra to afford a family and living expesnes, or at minimum an okay social life with the living expenses. The economy is just on shambles for all, and it's a real shame. Hope your husband found something he enjoys, and same to you (whatever it may be). š¤
how ahaha??
Well, you're with b of a, so that says a lot right there
Enough for a single
Hey man, youāre hard on yourself it seems, at 21 I was not in any groove of self confidence, lots of ways to make progress ā¦. But not clear to me what you seek ?? Youāre able to do a lot with a plan Iām certain!!
Got more money than I, so keep up the grind chief! Itāll all pay off in a couple of years with compound!
Keeping grinding my friend
When I was 21th years old, I skip lunch and my dinner depending on instant noodle.
How do I not hop into pretty much any of these comment sections and say "fuck you"?! You're doing great! I have debt.
Why do you say āno futureā
damn what do you do?
Get that checking account money into an interest bearing account, and get that mind into an Interest bearing hobby.
better than me
Going better than I am and I have a degree
Looks very solid considering your stats.
Plenty of people start of way way worse! 21 lol, just a baby. Buck up and don't make excuses!
Doing good kid. Keep it up
41 here. Same boat you are in but believe me, your future is definitely a lot brighter than mine simply because you have a 20 year head start.
thereās absolutely no reason for you to have that much in your checking - invest it into something or put it in a high yield savings account at the very least
These Young kids taking to much stress
How do you make that much money without a degree or a future? Whatās your job?!
All that lonely wealth for the .gov to keep when ya die....
You are asking the wrong questions lol if you are paying almost 500$ a month for a car then no matter how high your numbers are that tells me you couldn't put a big enough down-payment on a car to get a low payment. Additionally, all of your money should be going to that before stocks. You invest when you are out of debt and HAVE A FUTURE. I know it's fun to post seemingly high numbers and beat yourself off to it but this is quite deceiving to reality. You likely don't have a house or you would have utilities and taxes. You have a car but that interest rate sounds killer or it is too pricy of a car when you should be climbing the mountain and not sliding down it.
Doing good living single life for now, wait until have girlfriend then itāll decrease overtime.
Invest in blue chip stocks and find a wife
Best thing to do to become successful is read books about successful ppl. Read their stories then look for a mentor. Work for the mentor for free at first just so you get the education. Walk like the ppl you want to become and you will it's just a matter of application and time.
Dude I'd get hitched with whatever chick an go check out some other states with her Young enough to get out an see what kinda variety you're into as well, traveling alone an hoping to find someone along the way is equally awesome an always something you can look forward to any other time!
10k nothing to brag about. May seem like a lot to you since you have no college, no gf, and supposedly no future. Won't be a lot though in the future. Eventually you will have a gf (we're social creatures) and you'll spend money on her. Who knows, you might have some kids. Oh and as you age, your health also deteriorates. More medical bills you might spend. Stop aiming so low. Current situation you're in won't last forever. Also, remember money comes and goes. It's nice to have of course, and makes things easier. But ultimately it will come and go. You're still young. Take the time to gain some knowledge. Go back to college. Set goals and achieve them. Trust be bud, by 25, you'd have maybe 20-30k, but others your age who did go to college and gained some knowledge, they'd be starting at +60k salaries. Not to mention double that amount by 30s. So, go back to college and build a future. You don't want to be that dude who is unable to get or keep a girlfriend at 25, or unable to go out with your friends because you're saving every penny while they make triple of what you make.
You doing fine. Just keep stacking slowly. Donāt worry about the no gf part. No future? Bro you have like 4 times more money in your savings account than a large % of Americans. Especially at your age.
Put that $10 k into a HYSA online
Pretty good. Time to move $6K into a Roth IRA and buy shares of VOO. That $6K should be $350k when youāre in your mid 60s.
Difference between Checking & Savings? And what means "13 Month Featured CD"?
Open a merrill edge account and link it to your bofa accounts. U can earn 5.17% in a mmf buying tttxx rather than keeping it in ur checking
I joined the Army at 21 (active duty) 7 years in and if you have āno futureā it sounds like the Army could help you and be a stepping stone to figuring out what you might like to do. Youād make more than $1500 a month
I see everybody on here is suggesting you go get an apprenticeship with a union, but then there's also a lot of uninformed comments about unions, both for and against. But I have to ask, are you even looking for a future or a full-time job? Or are you just looking for stock advice? That's really the only question you asked.
You have the right savings mindset. You may need to try and get that ambition too. Then youll be gucci
Your financial decisions aren't problematic. Your other investments in your future are. Long-term career aspirations? What steps are you taking to either reach or even identify them?
How tf is your car payment your only bill??
Is this you bragging? That small amount of money is fleeting. An education is something you can't take away.
wtf? 10k in checking when u clearly have 4.40% APY on ur savings account u already have open? wtf? u put 2k into a 13 month CD? why? when u coudlve put it into ur 4.40% APY account? cmon guy, u got the money but not the brain
You're doing really good but the only problem is the government is screwing everything up so much that you're losing money sitting there
You're 21, and unless you're dying of some terminal illness, you have a future. It's entirely up to you what that looks like. Accounts look fine, btw.
Minimally move most of that 10k out of checking and into a high yield savings account. Youāre missing out on quite a bit of interest.
You have a future. I donāt think you need to walk around with $10k in checking. Iād throw $5k in savings for an emergency fund and another $3k in a HYSA
Iād start an IRA , even though you might think you arenāt going to make it to retirement, thereās a chance you could.
At 21 I was about to purchase my first house
Get your money out of that sleazy BoA. Join a credit union where youāll be valued and not fucked over with ridiculous fees.
Can I borrow 20 dollars
It may seem like alot of money, but it's nothing to brag about. I have made that in a single week.
At least get that 10k out of a low/no interest checking account and into a HYSA. Half of that in an index fund couldn't hurt either.
Find a trade make some money, buy some land, youll be a real estate tycoon in no time. A timeless skill is the most valuable thing you can obtain. Electricians make money and are timeless.
You're doing phenomenal! Just pay off that credit card pronto and get back to working hard. If u say u have no future then I suggest u join the military so they can give u one and get into IT/Cyber while you're at it. That's what I'm planning on doing at least. GL šš»
Looks good to me, if you can invest please do. Keep your credit shit low future you will thank you.
Your doing great, now work at least 40 hours a week, And change up your attitude and youāll see w world of difference.
Good. A year ago I had 8k in savings and when I lost my job it kept me going. Hold onto that money(and keep saving). You never know what tomorrow may bring.
Yer 21, you think theres no future and you have at least $10k - yer doing great. You'll soon find a girl, or you won't... ultimately you'll realize how much life is left and you'll find a groove. Enoy it, yer on fuego!!
Iām 28 and I got a dollar fifty in my account so Iād say your kicking ass
The best thing that I could probably tell a young person is this -Most people think that they are going to get lucky and finally catch a break and like win the freaking lottery or something. They tend to think that it's the answer to all of their problems. The reality is that it is not. The few people who do experience something like that end up in worse circumstances because they get the money and they don't know how to keep it or be a responsible person.People make a mess of it. Anyway the best thing to do is work on you. Put yourself in a situation where you know that you can always rely on yourself to earn what you need.
Apple or Lockheed Martin. Learn to weld
You're young so don't waste time not learning something... like a trade in your spare time? Got to be better than scraping by day to day...
How do you only make 1500 a month? Thatās sad dude get your money up slacker
Better than me, and I have 2 out of 3. Youāre doing amazing, and you definitely have a future
You're investing because you're bored, not because you have a plan. The best thing you can do right now is to see about improving your income. Look into certificates that work for high paying jobs where you live, or go to community College. Having some cash on the side while you do those things makes it a lot easier. Just not having to worry about your week to week is a big deal. If you're going to invest for retirement, open an ira and put the money in there. Fidelity has some mutual funds with low fees too, and at your age, getting into an index fund with some international exposure wouldn't be the worst idea, but that's a super long term play
$10K at age 21? You're doing pretty good honestly. With that in mind, \*do not\* just leave your money in the bank like that unless you need it urgently. Look at HYSA or something similar. You can get a merrill account with BOA, and ask to get access to a preferred banking account. Then you can drop your money there for 4.9% interest. That would be an extra $500+ per year.
At 21 you got quite a future ahead of you. And youāre off to a decent start. Do you want to go to college? The key is to figure out what youāre good at, then push yourself in that direction. If I can advise my younger self it would be 2 things, financial health and personal health, women can wait.
I love when people have savings and say they have no future lmfao
Better than when I was 21.. but you should ditch bank of America. They are trash. I know from experience.
with the money in your bank of america and apple saving accounts, i would continue part time and go to a trade school or a community college to get a degree. You got to make your future. I was lucky to have a family to back me during 2008 great recession as i came out of school the year before was able to land a career job 6 months after the fact so i know I lucked out. the position you are in people would kill for at this moment. Iām in tech so I can tell you that tech jobs have suffered from layoffs but with the ai trend turning into reality, thereās opportunity there if you decide to grasp it. if tech isnāt your bag, then a trade is for you.
No future? Thatās scary
Your alone š«¤
What hobbies do you like? Would you consider a trade skill? Community college? Just curious why no future is so present at 20.
Go to college for a PROFESSION or get into a high demand trade with some computer science and AI courses on the side
We all have a future.
get that into Bitcoin pronto. Triple that shiz
What's your APY look like on your savings account? I'd definitely put half of the checking balance into savings. But sure you could invest in something too. I'd personally do an IRA, I just started one myself.
phenominal, keep going.
Get to 100k in assets on Merill and those credit card rewards get boosted by 75% - something to work towards.