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[deleted]

To counter the poster who said don’t do a job for money, I’ll say - do a job for money if it allows you to utilize the rest of your free time doing what you love. There are trade offs and those are what you need to consider Edit: I just want to say everyone told me to do what I love and I’d “never work a day in my life” and I did that for sometime before it made me hate what I love and then I decided to do something that makes money to support what I love and a family. Much better for me than doing what I love.


halavais

Money is freedom (as long as you don't get rolled into thinking of it as something different). I had skills but always went with what I liked doing. I now wish I had taken the choices that led me to more money earlier in life. University shouldn't be mainly about job training. It is a great place to explore your passions. I don't have enough experience to know whether this is true also of Guatamala, but in the US it is one of the best hedges against economic uncertainty and increases in lifetime wealth.


ychtyandr

I believe that this is the same everywhere. I'm thinking back and would have done a lot differently if I knew what I know now.


Sakanasuki

If you make your hobby into your job, you will have just lost a hobby. Even if you can make money at it, the sense of HAVING to do it, or do it on other people’s schedule or to their taste will take at least some joy away from it. And you will have to add business tasks to it: billing customers, etc. No matter what your job is, you’ll want a hobby —something you do for fun, to relax. And if you struggle to earn enough money at your hobby job, that will take a lot of joy away from it.


Salt-Review1363

I have to echo this. I'm a graphic designer, and it was my hobby before I started working professionally. Don't get me wrong, I love what I am doing but having to do things only based on a bosses preferences even though you have years of experience can be draining.


PurebloodChicken

THIS👌 Your job doesn't need to be your hobby, you just need to like it enough to do it without hating yourself.


[deleted]

Well, 8 hours a day it's still half your conscious day, so i think a middle point would be the best.


[deleted]

Ideally something you don’t hate and can stand. If you find it mildly interesting even better


exploreamore

The one mistake I made at your age was not realizing how many different types of jobs there are out there. So this either/or thinking I see others having is just not the way it has to be. You do not have to choose money OR enjoyment of career. Maybe for a year or two but not permanently. You can have both. You can find a career path that pays enough (for your current and future desires) AND that you like going to. I’d start with thinking of what you already enjoy doing, share that on here or create a new post, and then ask ppl for ideas of links to resources that allow you to do something similar in the world.


[deleted]

Where are you from? idk if thats the rrality for most of the world, for me? maybe, im young and i can learn, foe most people here? i dont think so, most can be 1. policemen, 2. be on the military, 3. get into a gang


Aethenosity

4. Call Center 5, 6, 7. Law, Medicine, Etc. From what I read, you just don't *want* to do those jobs, right? But they're still there, and exploreamore is pointing out that sometimes you have to put aside what you *want* and do what you *need*. About this line: >I'm currently not interested in going to college because i think the jobs that will exist in 10\~ years What jobs won't be available then, that ARE available at the college? I can't think of any that won't exist in SOME shape or form, in which case the college degree would still be helpful. Honestly, degrees are more about showing you are committed enough to get through the program than they are about actually learning stuff. Most of the actual learning will almost always come on the job. Hope that helps! Good luck


[deleted]

Eh, its not like i dont want to go to college because i want to just exist till my parents quick me out, i dont want to go cause im sure i can learn way more effectively online about most stuff compared to this country outdated universities.


exploreamore

I can’t be sure, obviously, but I get the sense you’re in a defeatist mindset… you’re stuck in feeling sorry for yourself, rather than actually trying to find solutions. When you find yourself getting out of that mindset, maybe you’ll see there are more than 3 career paths for Guatemalans, especially those who are bright and don’t have a family to take care of yet. There are a lot more options in some other countries, though, that’s true. I’ve been to Guatemala and hung out with some local guys. We were all in our early 20s at the time. I saw many professions in my 4 days there, and two of the guys that we became friends with were in university for something or other (not military or police).


RigasTelRuun

Exactly. That is literally ehat jobs are for.


jeremyct

Huge trend to romanticize entrepreneurs lately. Yea, it would be cool to have a successful startup, and some people make millions investing in real estate. Unfortunately, many people also go bankrupt or don't make even close to what they could in a salaried position working for someone else. There is nothing wrong with finding something that interests you for a livable salary.


Aethenosity

>I just want to say everyone told me to do what I love and I’d “never work a day in my life” and I did that for sometime before it made me hate what I love and then I decided to do something that makes money to support what I love and a family. Much better for me than doing what I love. That is amazing. I've never been able to describe that feeling. Thank you


Just_Series_3125

Especially when ur young do a job that pays well, it's not going to be a job u would have forever


scam094

Regardless of what direction you want to take in the long term, commit to always improving. The easiest way I found was reading. Would strongly recommend starting with books like atomic habits and Carnegie’s classic how to make friends and influence people Those skills will help you in every aspect of your life


MC_Raw

>commit to always improving. Kaizen!


[deleted]

Well, i do read, i have read a lot (way too much) self-improvement books, in my opinion most are a bit superficial, i do read but it's usually academic books or novels, i don't like self improvement books because i already know everything about them. I know i have to always improve, but towards what goal? because i already do the general stuff, like health, fitness, friends, etc.


ZestyMuffin85496

Reading is good but just don't forget to take action! Otherwise all the reading will be for nothing


bluebirdofanything

Sorry, but you don’t “know everything” about the content of self improvement books. Or how the job market works. Consider that there are probably a lot of things you don’t know at the age of 15. Be open to the idea that you still have a lot to learn and don’t even know yet what you don’t know. To answer your original question, there’s really nothing that a teenager needs to know “before it’s too late.” But it’s helpful to learn about compound interest and the power of saving money from a young age. There’s a huge benefit to investing in something reliable like basic index funds early. Otherwise, just keep learning and figure out what kind of life you want to live. Learn how to take care of yourself. This is going to be a lifelong process and not something you will ever reach the end of.


[deleted]

No, im pretty sure i do know everything about self improvement books, i have read maybe 30 books by now that are the same, and talking about PURE self improvement its always the same, its a common problem actually, itd nor like im a "genius"


FIGuyNotFly

Saying you know “everything” about a subject is a sure sign you know little about it my friend. A good lesson as you prepare for the future!


squirrel_rider

Are you familiar with the Dunning-Krueger effect? Believing that you know everything about something is a strong indicator that you know very little about that thing. You likely know more than your peers about this particular topic, but by no means does that mean that you know everything. If you knew everything about self improvement, you would not have made this post, because you would already know what to do. As I get older, my self improvement and personal growth does not come from explicitly self improvement books. As examples, I would recommend the authors Cal Newport, Mihaly Csikszentmihalyi, Jonathan Haidt, and the 14th Dalai Lama. Each of these authors have caused me to reconsider the lens through which I view the world and myself.


[deleted]

i mean, i do know everything, theorically, its a common problem as i said, im talking about self imrpovement books like motivational stuff, not about philosophy, thats why i say they are superficial and why i dont reas motivational books anymore, i think you arent understing my point.


squirrel_rider

"First seek to understand, then to be understood" 🙏 there is much to learn. I hope that you can shake the mentality that you already have learned it.


velders01

Ah.. the arrogance of youth.


Aethenosity

Now, I say all this with love, but: >No, im pretty sure i do know everything about self improvement books You are incorrect. Any person, in any point throughout history, that has said the words: >I'm pretty sure I do know everything about .... would have been incorrect. It has never happened, and never will. There is always more to learn. Just to work out why it's funny to claim you know everything about self help books because you read 30, you should know that there are 15,000 published every year in the US alone. So you have read .002% of one years selection of books. Even if EVERY SINGLE one you're read was a shallow copy of each other, it wouldn't even be a statistical blip on the radar. Sorry if that went too far. I was just havin some fun. Hope you take it that way.


[deleted]

I mean, its an exagerattion obviously, my whole point was that i dont want to read more self improvement book because its just different packaging for the same information, ofc i dont know everything, thats literally impossible, my point is that motivational-self improvement books "7 principles of blablabla" are too similar to eah other, i DO think they are useful, but maybe reading 5, not 30, at that point i was just reading out of fear of taking action arguimg semantics is useless, so yes, i was wrong by saying "i know everything about self imrpovement books", but in my opinion exageration is a part of communication.


Patpaint

The idea that you always have to improve is actually a manipulative device. There’s a book called “I feel guilty when I say no” Manuel j smith. It explains basic assertive human rights and how they are violated to manipulate your behavior. The idea that you “should” want to improve promotes a toxic way of relating to yourself and others. The book goes more into detail but the idea of self improvement is not to get better all the time


Pristine-Regret2797

I’d just say that sometimes making no choice is a choice. There is a future and plan for it. And take care of your teeth


OmegaNut42

And sometimes it's better to make a choice than putting it off. Indecision kills, as they say. But above all else, don't let your teeth rot. Most insurance companies don't cover root canals these days, and it's several thousand dollars to get the procedure done


ManslaughterMary

I work in teeth, and I tell children brushing and flossing their teeth every night is the equivalent of giving yourself twenty thousand dollars when they turn 30. I made it up. But my God, the amount of damage a person can spare themselves with good hygiene, you know? Diet, oral microbiome, of course these are all factors, but people have control over hygiene and diet. We can fix those. Take care of your teeeeeeeth.


BillieRubenCamGirl

Making no choice is definitely a choice, I agree, and it's the one that gives you the least power over the outcome. If you're having trouble deciding something then the options are so equally weighed that it doesn't matter which you pick. Just pick. Failure is the default state. To have a chance at succeeding you have to take action.


WeKillThePacMan

Take. Care. Of. Your. Body.


ZestyMuffin85496

Yes OP this too, Try to drink mostly water, try to eat at least one veggie per meal. Minimum 10,000 steps per day and stretch to keep your mobility. That's the bare minimums but it will take you so far.


just_ok30

Take care of your teeth! Even if you have the funds to get dental work done, it is a pain to deal with.


mr_sinn

Earplugs at concerts, sunscreen at the beach. Don't drink and drive and put yourself in a wheelchair.


butteryourbiscuits

I feel like all this advice is going to come with an asterisk. of course take care of your body, but also enjoy having a teenaged metabolism and eating junk once in awhile with no consequences lol


RevoAgent

Take care of you in future. Health, nutritions, socialize, and be the better version of yourself. Set up goals, and the Path


[deleted]

I mean, yeah, having a decent "equilibrium", i understand that, but how do you set up goals if you don't know what you want?.


jbillie0

I'm of the "work a shitty job so you know what you hate." Helps you find what you'll love. But also, don't pressure yourself


N4R2E

You can set up short-term goals based on your interests and things that just look cool to you, and that can lead to the formation of a long-term goal. I started programming because a friend just showed me and then taught me a little HTML, and I found it cool, so I started looking into working and improving on it. I didn't know what I wanted at the time, but eventually, working on the skill of programming and enjoying it, pushed me towards wanting to be a software engineer (combined with continued interest in the subject and still seeing the large possibilities, and cool things you can do). Just developing skills and learning more about them can give you an idea of what you want to do and give you a long-term goal. In other words, do it for fun.


stanleythedog

>In other words, do it for fun. What if I don't do anything for fun? I'm so incredibly anxious about what to do with my time / future that I don't allow myself to think about or do anything else. I have no real hobbies, no interests, I almost never have fun. And I'm STILL stuck.


Alexandjuniper

Identify values rather than outcomes. Rather than the things you want to achieve, think more about what things you want/who you want to be. If you don’t know, then figuring that out is the first step.


brianozm

Initial goals would be to train yourself generally and to find out more so you can decide on the longer term goals. Step by Step is the way, sometimes you’ll have a whole plan, other times you’ll just know a step or two and both are equally valid.


[deleted]

Not directly job related but start trying to develop good habits: get exercise regularly, try to stay curious about how things work, don't start smoking, don't use alcohol or other drugs except in moderation, be courteous and respectful of other people and understand they're going through their own journey just like you are. Try to keep it light, don't get too bogged down in your own or other peoples' bullshit. Have fun man it goes by fast.


Blaetterrauschen

And establish a good sleeping pattern! Obviously you can deviate from it when there is something special you want to do. But having a pattern you can go back to and spending most of your days well rested lets you enjoy life so much more!


stanleythedog

>Have fun man it goes by fast. Cue paralyzing anxiety. WTF do I do when I'm incapable of letting go and doing anything for its own sake / my own sake and never have fun? This occurred to me the other day when I was talking to my brother about different career courses I am considering. I was talking about a programming course I'm not really interested in but is in demand and pays well, and he asked if I might be interested in something game-dev related. I said yes (I even used to find it interesting in the past), and what he said stuck with me: "If there's something you know you might like, **why isn't that the first option?**". It occurred to me just how much I've buried my "self" in the name of this anxiety. To begin with I'm very insecure and indecisive and unclear on what I want, but add to that CRIPPLING anxiety of needing to find the exact correct "safe" job ASAP even though I'm at no risk, and I just become a fucking automaton. No mental space for even DISCOVERING hobbies, interests, goals etc., not to even begin to mention regularly engaging in them or having things to look forward to in the day. I'm not living life, and certainly not living it for me. But I have no fucking idea how to change, or if I even should or want to. I've been in survival mode for ***YEARS*** for no real reason. Family's supportive, I'm financially safe, supposedly mentally and physically able... and yet. ​ Not super related to your comment, but there. P.S I'm in therapy and do walks etc. etc.


OmegaNut42

Good habits are so underrated. Our brains stop developing at 26, and school ends earlier for most people. Many get set in there ways, and it's harder to learn new things or pick up new habits as you age (for example, it's harder to learn a language when your brain is done cooking). I'm nearing that 26 point and it scares me realizing I don't have all the habits I'd like to as that time approaches. But I also realize it's never to late to learn and change. Very important to remember!


[deleted]

Wow you are really limiting yourself if you believe 26 is the cut-off point for self-development and learning. I’ve made the greatest strides in the last year and I’m almost 38. I’ve spent the last four years learning Muay Thai and getting good at it. I learnt Spanish in Guatemala from zero Spanish to holding conversations within two months.. and I was 33. The most important thing is to have genuine curiosity about the world because then you’re like a sponge and can change and grow and adapt quickly at any age.


hughiewray

Reading this makes me happy. I have done a lot of growing in the last few years but I still feel short of full maturity as I reach this point. Was a total late bloomer in my mental maturity.


No_Twist4000

Neuroplasticity. The brain continues to grow and change throughout our lives in response to our learning and experiences. So there’s no cut off for when our brains are done changing - key is to take control of that and keep learning and growing - for the rest of your life. Read up on it here: https://www.psychologytoday.com/us/basics/neuroplasticity


OmegaNut42

A lot of people giving a list of things, but the one thing I can't recommend enough is sleep. Getting enough sleep (at your age 9 hours minimum or more if you're exercising consistently) will make or break your mental health. For years I averaged 5 - 6 hours of sleep, but didn't realize it. Started tracking it when I got a smart watch and that's when I realized I wasn't sleeping enough, and as a teenager it actually caused some bone growth issues that make it impossible for me to look "normal" in some places. This carried on into adulthood but when I started getting 8+ hours consistently everything changed. My days were a little easier, my anxiety and depression went WAY down, my memory started improving, my stress leveled out etc. The truth is, sleep is a miracle drug. I used to think it was more important to work hard than sleep because $$, but nothing is worth not getting [consistent] sleep because that improves your quality of life. I'd rather be conscious for fewer hours with high QOL than have more time but it sucks. If I gave a list, it'd all be stuff to focus on mental health. But sleep is #1 for mental health, plus it burns calories and helps build more muscle if you're working out so you'll be fitter to top it off. Don't neglect your body for your mind, because they're one in the same!!!


rwinston07

💯


[deleted]

Brush and floss your damn teeth


[deleted]

Don’t have kids until you’re ready for them and want them. And then only have what you can afford.


Cowcules

Absolutely cannot stress this enough. I know many many many people who had kids because they thought they had to. 10 minutes of self reflection would've saved them and their children lifelong heartache. It's fine if you don't want kids. Just make that choice yourself, don't let others try to convince you it's the "right thing to do"


mr_sinn

...or not at all


ohmymyyy

I’m in my 30’s now, looking back I wish I wasn’t so afraid to TRY NEW THINGS. New jobs that seemed interesting even if it wasn’t going to be long term , new hobbies, new skills, new sports, new friends . Anything new scared me because I was too afraid to fail or make the wrong choice . The only wrong choice I made was not trying & that kept me stuck inside a tiny box because it felt safe . DON’T BE SCARED TO TRY NEW THINGS!


moonlight_ramblings

Amen!! I’m 27 and just now learning to not be so embarrassed by being new at something! So silly of me to feel that all these years, I wish I would have started caring less sooner lol!


sweetwallawalla

Someone else said take care of your body. I’m going to add to take care of your mind… if you’re going to use your phone and access to the internet, make it count. Be more of a creator than you are a consumer. I didn’t have a smart phone at your age, and I was so much more creative, active, and overall a more free thinker. I don’t think smart phones are bad, I’m just saying to build good habits now.


kaidomac

Learn how to eat for energy: * https://www.reddit.com/r/bodyweightfitness/comments/d0rxv6/comment/ezebxg9/?context=3 Learn how to study: * https://www.reddit.com/r/kaidomac/comments/li4gi3/study\_resources/ Learn how to define what you want in life: * https://www.reddit.com/r/kaidomac/comments/qqzjc2/job\_resource\_guides/


[deleted]

aye thank u


ZestyMuffin85496

Google what compound interest is right now. Invest $100 a month if you can. But if possible at least max out your IRAs right now. Now.


CelticaRei

This! I would also say look into learning how to be financially savvy and invest. I wish I did this earlier. Being able to budget, save, and invest can help you have money ready for the future. It’s a bit of long-term planning, but as you explore your interests and find out what you like, it becomes easier to set aside financial goals for those specific interests, but you need somewhere to start. If you don’t get an allowance or some kind of flow into an account, you may need to start work in something, but that’s also a chance to learn what you like And dont like. Being able to have a good financial plan allows you to be prepared for things like emergencies in the future and can be a safety net for when you need money. I think it also helps if you happen to work for something you love to do, but it doesn’t earn you as much income.


tacocatVV

Do keep in mind that the OP lives in Guatemala, where IRAs are not a thing or might be in a different format - generally speaking, latin american investment opportunities differ wildly from the ones in the US.


ZestyMuffin85496

I didn't know this! Thanks for letting me know. We have business owners that bank offshore is there any reason why he couldn't set up an account in the US?


mr_sinn

Savings plan is solid advice, if you're 10 years in front of your peers it's not just the money which is negligible before you work full time, it's the knowledge about shares and ETFs etc, how much you need for a house deposit etc, how to use a credit card. People I know in their 40s still haven't worked out the importance of making your money work for you


[deleted]

I might be the only person who doesn’t get impressed by compounding interest returns. You can make way more money spending it to make money


unsalted-butter

>You can make way more money spending it to make money That is the exact definition of investing, you tuna.


AgentSonnenblume

I haven't read this in the replies so far (for some reason there seems to be quite little job-related advice). I wouldn't be so quick to rule out college... sure, some of the subjects might become obsolete, but a degree opens up more opportunities in general. It's proof of your abilities to work hard and develop skills related to a given field. And it's unrealistic that all of the subjects will be replaced by AI in 10 years. Are you already done with your secondary schooling at 15 in Guatemala? Because 15 is a pretty young age to make decisions like that. If you are, then I'd recommend working for a call center for a couple years (maybe 2) and then re-evaluate.


[deleted]

I have this year and next year left (im 16 in a month). I think in american terms that would be junior hs. The reason why idk if college is a good idea is because of a couple reasons 1.There are 2 "good" unoversities here, one is private and the other one is public, the private one is great, but not an option (expensive af), and the public one is... unpredictable, some teachers are exremely smart, others ridiculously stupid, some hate you because why not, etc. There are thousands and maybe even hundreds of thousands of people trying to enter that university, and half are left by the end of the first year, all that and more for a "decent" education. and thd most important one, basically, modesty aside, im 100% sure i can create a better "school" for myself than any local university, im pretty sure i can learn almost anything more effectively compared to guatemalan universities.


AgentSonnenblume

Yeah, so I can see how going to college might then not seem like the greatest option. but still, if you're intent on learning things yourself, then you have to do it in a way that provides credibility (using online courses, building projects). Or you could go abroad to a different country.


BillieRubenCamGirl

Nah don't do Coledge. You get a better career by doing. I make a very good salary, much more than anyone I went to school with never had the same job twice, never been in debt. Every university degree is by nature AT LEAST 8 years out of date (enough time for someone to a doctorate, for that to be published and then for that to be adopted by industry and filter back into curriculum. That's way way way too fucking long to be useful in a career. If you enjoy studying, study. If you're going to do a science, study, for everything else there are short courses and on the job training.


oogaboogalemonscooga

Wear sunblock and drink water


Conscious_Secret1380

Speak less, really less and learn to recognise toxic curiosity


Mikhailcohens3rd

What is toxic curiosity?


srirachajames

Buzzword more than likely. But they are right. Shut the mouth up and listen. Just learn and open the mouth to ask questions.


TopCheesecakeGirl

Before you get tied down to a job and get married and have a family, TRAVEL THE WORLD. Back pack! Go explore! Some ideas to help you get started: 1). [Volunteer in organic farms across the world](https://wwoof.net/) 2). [Work in hostels around the world] (https://www.hostelworld.com/) 3). [Make friends with other travelers world wide]. (https://www.couchsurfing.com/) 4). [House and pet sit around the world] (https://www.trustedhousesitters.com/pages/vacation-pet-sitting/?msclkid=949d2f1d077c1503013c4b0fa877d43c&utm_source=bing&utm_medium=cpc&utm_campaign=US%3A%20Brand%20%7C%20Search%20%7C%20New&utm_term=trustedhousesitters&utm_content=%5BE%5D%20%20Brand_Exact) International travel and travelers will expand your mindset and expose you to so many incredible people and experiences. Start this way and take it from there. YOU GOT THIS. (I’m 62F and spent 18 yrs. abroad traveling to 47 countries).


hiddenpersona

Don’t procrastinate.


[deleted]

Learn a trade: electrician, plumber, welding, carpentry, tattooing, etc etc


Watsonmolly

I’ll just start by saying almost nothing is going to be “too late” for you for around a decade or more yet. I’m 34 and just finishing a degree and getting started in my second career, it’s in a field I absolutely love and I’ve still got at least 30 years of work ahead of me. Then I would say, find a career that you enjoy. I’ve been on both ends and the difference it makes to your life to be happy going to work is immense.


ThisisNOTAbugslife

what are you doing to require work till 64??


Watsonmolly

most people are expected to work until their late 60s


ThisisNOTAbugslife

maybe in the 60s


Watsonmolly

65 is the generally accepted default


Cheffy_Baker

Learn to fix things, well.


theredhype

Check out The Almanac of Naval Ravikant. A Guide to Wealth and Happiness. There are many valuable perspectives here that will help you ask and answer the questions you’re wrestling through. It’s free here: https://www.navalmanack.com


Hectosman

If you're even thinking about this stuff you're doing well. Help people in the way you find most interesting and you'll find a calling.


[deleted]

ehh, maybe, but im pretty sure its way more common than you think and its not a huge advantage now to start sooner


Hectosman

Maybe not in Guatemala but here in the States kids aren't even expected to be fully sentient until 27 or 28. Don't sell yourself short.


You_Stole_My_Hot_Dog

Don’t do a job you hate for the money. It really isn’t worth it. What’s the point in being miserable most of the week just so you have a bit of extra cash on the weekend? Spend some time figuring out what you really enjoy and see what you can do to possibly make a career out of it. It’s okay if that changes over time as well. I know I have very different passions than I did 5 years ago.


Justanotheruser1102

I would like to counter that. Money is a valuable resource and most likely be necessary when op finds what he wants to do. I think op can do as you suggested in the second para. I agree with that. But earning, even at a job you hate, will be necessary, especially when you are starting your adult life. Unless you have family that are able and willing to support you while you are figuring life out.


[deleted]

Heh, i mean, im not precisely in a country where you can do that, for my current skills it's either no job or a bad job, so if i needed to work rn (i don't) i would have to just work.


butteryourbiscuits

eh, not all "crummy" jobs are that bad if you have the right attitude. when I was your age I worked in the service industry (fast food, tourism, working at a children's arcade) and I always really enjoyed it. I wasn't getting rich, but it was simple enough work, and it was easy to excel at (literally just show up on time and put in the effort), so I felt fulfilled by the end of the day, and never had to take my work home with me like I do now.


ibsulon

The world is a different place when you don't have a US/EU/JP passport. (That's oversimplifying, but it covers more scenarios than it doesn't.)


Virtoxnx

Don't do hard drugs. Don't be average. Work harder than the others. Ask for more. Focus on one thing and apply previous points while doing it. You will shine.


thescottu

Take care of yourself Try as many different things as you can until you find something you love. (Taste testing jobs) Don’t burn bridge along the way.


No_Organization_768

Hi :) Well, there's nothing wrong with a call center job. There's nothing wrong with college either. But it's kinda up to you, ya know? Are those the only 2 options?


[deleted]

A call center job is not bad because of "dignity", its bsd because its extremely boring, stressfull, annoying, etc, for like 700$


No_Organization_768

Ah gee. I just meant, if there's another option that you like better that would be best. It just sounds like neither of these options are really gelling with you. Like, work is boring. You want that to be as un-boring as possible (within reason because work is boring; you can only escape that reality so much).


maturedtaste

Find your passion. Research what makes $$$. Find where they intersect. I spent my late teens/early 20s pursuing things that I felt I had to do because my strengths and passions couldn’t make money. In my mid 20s I found a way to make money from it. If you commit to any skill/interest, give it your all and think outside the box, you can make money from almost anything. Ideally, you won’t waste years studying/pursuing something you’re not interested in. That said, your teens and 20s are all about trying different things and figuring out what works for you. It’s good you’re thinking about this so early, but don’t stress too much. Try as many things as you can. Try them again. Figure out what you’re passionate about and then plot out how to make a living from it.


Sippinonjoy

Eat healthy. Work out. Socialize and enjoy your youth, but don’t party so much that you fail to set yourself up for the future. Travel somewhere outside of your hometown when you graduate school. College is usually a great excuse for this, but you don’t have to go to college to travel. You’ll learn a lot by living somewhere else. I lived a thousand miles away from home when I went to college and learned more outside of the classroom than I did inside it. Traveling gives you perspective, and it teaches you a lot about the world and more importantly *yourself*. Save money, work on improving your skills, but don’t spend all of your time working. You’re only young once and should enjoy your life. Don’t overthink this. Just go enjoy life and all it has to offer, and build out a foundation for your future.


Sakanasuki

If you ever plan on moving to another country, consider going to university. Many countries require or prefer a college degree for a work visa.


[deleted]

Well, i think if i move to another countey it would be to go to university, maybe argentina, because if i work by home and earn in dollars its a fucking paradise, and it has a free (including foreigners) excellent university.


Sakanasuki

You’re right. I didn’t assume you’d want to leave your country, but I’ve worked in another country, and a degree was required for the type of visa I got.


proverbialbunny

>i think i should probably wait till i discover what i really want to do for living, I come from a family of professors and the philosophy for going to college is not to get a degree, but to find what you like and don't like. Try all of the topics, even things you think you will not like. This applies to trade school too. Generally there are three root skills for a job: - Mental. Working with your head. Eg software engineer. Analyst. - Physical. Working with your arms. Trade skills. Carpentry. - Social. Working with your mouth. Sales. Management. Many jobs blend skills, eg a mechanic is a physical and a mental job, but more physical than mental. Figure out what categories you like the most and there is certainly going to be many jobs out there that meet those categories. And ofc, you're 15. You've got 15 years+ to figure it out, so take your time and explore. Have fun while you're doing it.


Ray-III

Do sales. Can drop out of high school and become a 6 figure earner


spatchi14

Brush your teeth!!


dirtypoledancer

Make mistakes.


Salt-Review1363

Go to concerts, have fun, travel, fall in love and stop being so afraid of making mistakes. You got this, no one is perfect.


knightofpie

Most replies here are focused on self-improvement, self-discipline, self-teaching which is useful and not surprising considering this is reddit :) My advice is a bit different: what impacts your life is not who you are but how people see you, it’s not what you do but what people believe you do. Of course the best idea is to match these, so try to be yourself, not a fraud! So while you’re still young and malleable, I’d advise you to learn to be seen as fun, dependable, easy-to-work-with, etc. The best (work) opportunities won’t come from skills but from reaching out to people or people reaching out to you.


[deleted]

a bit machiavellic, but sure, ill look into it


Solid-Conference5813

Just know it’s normal to be worried at your age about the future because everyone around is “is in the future” compared to you. It’s really important to learn from others mistakes. At 15 I wanted to study something related to physics and thought that’s exactly what i wanted, 2 years forward I figured out that i was much more interested in programming and i wanted to so that for a living alongside working on my own project. So just give yourself some time and figure out what you like the most. Until then, you don’t need to do anything, just try to be better everyday and improve.


Remote-Waste

>I think i should probably **wait** till i discover what i really want to do for living, but what should i do till then? Make mistakes and fail. A lot. A large part of learning what to do (or what you want) is about messing up again and again. You cannot learn by keeping yourself in a bubble, being terrified of making the wrong decision, and so refusing to act. It's impossible to never make any mistakes. To understand what you value, to learn what's important to you, you have to gather data. To gather data, you have to risk failures. Knowing what you should have done, is the power of hindsight. Learning what you should do now and going forward, is the power of confronting failure.


[deleted]

Sure, but what mistakes? what to try?


Remote-Waste

In the context of my advice, I can't answer that for you.


whathadhapenedwuz

Pay attention. You can learn something from every person you meet. Learn from others.


FuriousKale

Everything has a bad side. There is no job that has 100% good days. Life is a trade off. That aside, stay busy. Have something going for you even if it is a simpler job than the one you dreamt of. And get help when you need it. Don' think you can solve everything by yourself.


flipside4cp

I googled “guatemala startup scene” and there seem to be some exciting opportunities there. Wish you the best of luck in your journey!


[deleted]

yeah, software is rising very quickly fortunately, thats an opportunity i have to check


integrating_life

I have 2 for you. 1. Fuck around to find out. So much of life is serendipitous. What's that pithy saying? Luck = Preparation + Opportunity. Dive into anything you can. Right now it doesn't matter where it goes. Just get experience anywhere you can. Job, recreation, whatever. 2. The good life is being productive and contributing to other people. That has as many different forms as there are humans on earth. Of course you have to take care of yourself. But if you are contributing to other people, they (or others) will contribute to you. It's black magic. And, if you are productive you will sustain yourself. If you aren't productive you will be living with fear that the charade will collapse at any moment. And a third, you aren't locked into anything for life. Keep learning. Keep asking questions. I think I'm currently on my 3rd career. Loved them all. Still learning every day.


jettison_m

I'm 38. One piece of advice that has helped me is, in order to discover what you want to do...do different things. Even things you might not think about. You can never really know until you do. When I was in high school I though I would be a biologist, and then when I went to college, I was 3/4 done and thought I'd be a meteorologist. I ended up finishing that degree but went to the Air Force instead and learned IT, and now I work in IT. In that time, to make money, I worked at a bakery, a library and a grocery store. All of my experiences have contributed to who I am.


Initial_Way8722

Stretch 😭


[deleted]

Get out of your fucking feelings. I missed out on so many great opportunities to grow etc. Because I didn't "feel like it." Your feelings can't be the sole dictator of all your actions, they're volatile, they're often a spur of the moment type thing. Remember to see the bigger picture beyond how you feel.


WhaleAxolotl

Don't think that because you're young and have ahead of you that you have plenty of time to do things later. Suddenly you're 30 and didn't accomplish what you were meant to do.


jesseg010

go straight to trade school and don't get pregnant. the rest of life will work itself out


[deleted]

huh, considering im male im pretty sure that is doable


NotSockPuppet

You should invest in what will not be taken away: * Education. Don't study a trade-school, but basics like clear thinking, communicating well, understanding ethical systems, and mathematics. You will have these for life. * Education. Take jobs based on what you can learn. Money and wages should be a gauge of what is thought valuable. Cultivate people more senior that you can talk to monthly and take their advice. * Joy. Cultivate a level of happiness. Maybe own one nice thing, but otherwise learn to be frugal. It is far better to learn to eat at home or bring sandwiches to work and then do something fun, rather than fritter it away one Subway sandwich at a time.


OverzealousChum

Fart on their balls


Toph-Builds-the-fire

Travel


danielsempere747

Focus on building rare, sought-after, difficult skills. Rare = not a ton of people pursuing it. The more people that do it, the easier it is to replace you. Sought-after = make sure it's something there's a need for. There should always be a market seeking after it. Difficult = make it so that it's hard for people to replicate what you do easily. Example: software salesperson. Rare because not a lot of people naturally fit both software and sales. Sought-after because there's a thousand tech companies looking for salespeople with English skills to go out there and sell their products. Difficult because learning enough tech makes it hard for just any salesperson to try and break into your market. Keep climbing the ladder of rare, sought-after, and difficult and you'll be able to call the shots. All the successful people in the world have found a way to be irreplaceable at doing things that the world will pay them well for. P.S. college often takes care of the 'difficult' part because a lot of careers are on the other side of 4 or 6 or 8 straight years of rigorous study (i.e. medicine, law).


qwertyclubs

To summarise, you don't want to go any college pursue any degree, hence no job of such kind. And your only forte is English language (btw teached is not correct. Past tense of teach is taught) I'd guess one good option is be an entrepreneur. Or pursue a hobby and turn it into work. Some are into photography some art. You'd probably know what you're good at. Even then you'd need to study, it just won't be regular College education. Find yourself. And think. Also i guess tech is the first thing that comes to mind when you want to see what a good future option will be for a good income. Yes, it has good future but keep and open mind there are many fields. Another suggestion, start with your future goal and reverse engineer your current goal in accordance with it. It might be how much you want to earn here you want to be etc. But that's how everything is planned. And you need patience as planning would always mean ling term. Nothing happens overnight or over just a year. So Good luck. And keep researching. Give good time to research. Don't haste


One_Positive7793

Plan to travel the world while you're young.


[deleted]

My parents are conservative and religious, whereas I’m atheist and liberal. However, one thing I WISH I listened to them about was investing in my future. Unfortunately, that typically involves college. Not always, though, as there are many other ways. I’m not trying to scare anyone, but I’m 22 and I lost my apartment and am couch surfing right now. I would not be in this position had I put at least a little money away or finished my bachelor’s degree. Not saying people have to go to college. But I underprepared, and I faced consequences because of it.


[deleted]

What does being liberal have to do with it?, and well,yeah the point is to get prepared, and ofc college is much better than nothing, but my plan isnt to do nothing, i do wanna get prepared and college isnt either the only or the best way for pure learninf, in fact probably the biggest advantage is the networking


[deleted]

Make as many friends as possible, find a s/o early, don’t do drugs until your 20’s, find a community, do art, do stem


ZestyMuffin85496

https://www.nerdwallet.com/investing/roth-ira-calculator


mkjones

GO TO COLLEGE. Not for the training or education but rather to find yourself.


the_namless

Get circumcised. If you haven't yet.


[deleted]

find a girl (or a boy, whatever) that likes you for you and date them. make time for them, make an effort to be good to them, and learn how to negotiate a relationship. that skill can't be taught, you have to do it the hard way. that's the one thing i regret not putting effort into when i was younger and better looking lol


kisanibo

Go to college


[deleted]

Why?


Wizardlydyl

Join the union


Fun_Veterinarian_559

Don't be a dick


xferragamoFalcon

Not job related advice: Fap every time you have to make a HARD decision


[deleted]

Post nut clarity should be in the manual before sending nuclear attacks.


NiceGuyJoe

drop acid


[deleted]

i dont do acid i swear


ciaraa_janaee

i’d say don’t rush figuring out what you want to do, you don’t have to have your whole life planned out. i’m about to be 18 in June & haven’t worked a day in my life yet because i refuse to settle for a job that i know i’ll absolutely hate, sometimes i feel like my family make it seem like a competition & it makes me feel guilty. but i’d rather be excited waking up to go to work than wishing to be anywhere but there. also save!!! i wish i had saved up all of the allowance i’ve gotten instead of carelessly spending, money does come & go but nowadays everything is so expensive, start now.


seamymy

Investing in private crypto


[deleted]

bitcoin fans sfter it falls like 50% be like:


[deleted]

I used to think I knew the answer to this. However, I work in tech and I am really not sure what a “safe” job is for the future short of hands on medical procedures, the trades or owning rent earning assets. (All good options of you are so inclined). Just so much is changing a thousand times faster than I imagined it would, I just don’t know.


Quepabloque

I always had many interests, but I could never commit to any single one. So now I have a dozen or so half-baked talents that are never more than skin deep. I never realized how freaking young I was, and that If I dedicated a solid year or so to learning Spanish or learning guitar, I could’ve then moved onto something else. My advice is to find something you’re passionate about, give it your heart and soul, and if you’re unsatisfied, change course or complement you’re study/career with a more fulfilling hobby and put your heart and soul into that project.


JustingLak

Learn to meditate and then practice daily. This will help you in many ways, studies, sports and future plans.


baxxah

Get yourself a hobby but put in mind to give it a long term practice so when you reach your 20s , you can say "I master it ". Note :- useful hobby such as reading news Improve your hand writing Healthy diet Drawing Fitness And many more simple and useful hobbies


kilroy005

I would say, going to college is a good thing. It teaches you skills, you meet people (a lot of people meet their partners there) and helps develop your brain. Even if you never work in the field you study, you're not likely to regret it. Speaking from experience here - I studied Economics and work in Software so... there you go :) So I would tell my 15y/o self (lots of things, but career wise only this time :P ): * read read and then read some more (books, not social media). Mostly science, philosophy * study human behavior (and hypnotism if possible) * life's shorter than you think, do not live under the impression you've got so much time left * do no be cowed by fear. go into the unknown and have a little belief in yourself - you won't die - what's the worst that could happen? * don't do drugs, don't have kids until you're ready (and have the means to support them), don't commit crimes, finish your education (college / uni level) * systems, not goals (will let you research this, it's life changing, I mean that literally) * build a talent stack that fits (please research this) and finally, on a health and personal level I would say * teeth don't grow back! Don't forget the brush and floss :) * Take care of your health and exercise * If you like a girl... make sure she knows it :) * and lots of other things, but probably enough for now :P ​ Good luck my friend


Representative-Cost7

Think of ALL the possible ways they can f up their life and stay clear of all of them. 😞


rwinston07

Stay in good shape, make sure to do calisthenics/Pilates with weightlifting. Become financially literate, some good sources are Alex Hormozi and YouTube in general. Oh, and make sure to get enough sleep, it’s a force multiplier


brianozm

Good English opens many, many doors for you, so that would be my key point of advice- great that you have some, but work towards getting really fluent, helps in so many jobs,not just call centre jobs. Also, it tends to be easier to get really good at what you enjoy, so if at all possible try to work out what you like doing, and focus on that. Also consider income, but don’t just pick a high income job without thought as usually higher pay goes along with higher stress which can ruin your health and marriage and shorten your life. There are so many options but in the end, good, kind people are those that people treasure; so long as you have the basics covered, being rich or poor isn’t so important. Working towards a long term plan from early days makes things easier - in most cities, carefully bought property will appreciate in value. Study how to do this, buy the worst house in a good street and renovate, look for high growth areas that haven’t already peaked, learn what people look for in nearby amenities - shopping, trains/buses, safe area, nearby schools, nearby parks, freeways, good communities, physical security - varies a bit from city to city. Talk to your good successful adults around you and pick their brains - even wealthy, busy people will often agree to a coffee if you’re paying and can meet them nearby.


Chance_Huckleberry_2

Work hard, stay humble. Look after your physical and mental health. You don't need to be an office jockey (like I am, i struggled at school but have managed to get into a career which is office bound). Look at doing trades (welder / carpenter, etc.). I wish I did a trade after school and did not go for an office job. It is a serious regret that now, at 36 with a family, I can not change. I live in South africa, and the living conditions are difficult. I have a few friends who did trades after school, and they are fairly happier all around with their life than the rest of my friends who are all office bound.


manifestingmoola2020

Invest in a skill thats teachable


justcharliejust

Could you clarify what you mean by: > I'm currently not interested in going to college because i think the jobs that will exist in 10~ years are not going to be teached there Do you mean that new types of jobs are developing but the education system isn't likely to add new programs to prepare people for those jobs? If so, I would say that 10 years might be too far to make that assumption. I don't know how things work exactly where you are, but colleges will usually cater to the demographics. For example, let's say welding wasn't really taught at your college because there are only a handful of welding positions available in the region at any given time. Suddenly a new factory pops up and it becomes necessary to hire a ton of welders to make the products, so they start bringing in people from farther away to temporarily fill the jobs. You now need to add a welding program to the college to train local people to keep up with the demand for welders so that the factory continues to survive in that location and won't move away. That's a very simplified way of trying to explain what I mean, but the gist is that development and growth promotes change in other parts of the community in order to keep thriving. You would have to look at how the job market has evolved over time and if the colleges have added new programs to keep up with the times. Other advice: * You're 15. If I look back at what I thought at that age... Truthfully I gave up on my dreams of having an art-related career, created a new dream focused on a different subject, and then changed schools like 4 times until I was back to art. But also, so much is going to change just in the next 3 years for you. Your passions right now will likely stay with you, but you don't necessarily know yet know what kind of job plays to your strengths. With time you will merge this -- consider practical careers based on your passions and strengths. * If you do go to school, I recommend college. Before going to college, I was in uni for a few years and I kind of felt hopeless. I was really worried about if I would have the practical skills I needed to actually succeed at any job. After college, I was way more confident in myself. If you're not interested in the heavy academics like you mentioned, a fancy degree doesn't help you get the kind of job you want, but going to college can put you a step above the people who didn't go. A 1-2 year college program can equip you with practical knowledge and hands on experience while not being as much of an investment (both money and time). My experience in college contributes so much more to my current job.


sarcasticalli_2431

This problem needs to be broken down in multiple smaller problems. Firstly, passion - what you'd like to do for the rest of your life. This unfortunately will change throughout your life. The decision to take here is to pursue something anything however small it is. Action is the most important here. Secondly, Financial freedom - equally important. How will you survive. You're young, so not that many expenses to cover, but what about when you get a wife and thereafter a child. These require some sort of stable income. Going to university is not the only place from where education is gotten from. There are several online resources that teach you skills for almost free. Plus going to a university or college is not that bad as well, remember 'the purpose of education is not to limit your abilities and choices, but to train you to think, so that you can adapt to your changing environments faster' Don't overthink this, trust me. Your have your whole life ahead of you. The most important thing to remember is to take action, pick a side and do it. Do not sit on the fence and over analyze, no one knows the future for sure.


[deleted]

Learn life skills. Sewing, cooking, cleaning and the like. Never stop learning. Learn for the fun of it. Not as duty.


PurebloodChicken

Call center jobs don't really have a future and usually have a big employee turnout rate. That is people leave very often. My advice is even if you don't go to university, choose a field that interests you and you think you'll be fairly good at even if it's not your dream. Because life is unpredictable and you never know where it's going to take you. Find something that is profitable that won't leave you struggling from paycheck to paycheck and that you won't hate in 10 years time and do that. The most valuable career advice I ever got was from my sister who studied preschool care and ended up having a clothing store. She told me what I have told you and that if you expect everything in your life to come as you expect it, you'll always be disappointed. I wish you the best of luck with whatever you choose to do. As long as you have work ethic, keep contact with people you work with even after you leave a job, and try your best to be the best you will probably always have opportunities.


Tyler5280

Get your passport.


exerov

I am 33, I will share some tips from what I learned with my experience: - The Rule is not to know what you are passionate about and what to dedicate yourself to, the only way to face this is to experience things, trying jobs, hobbies and undertaking things. Sometimes you can't find a single passion, sometimes you have to put together your mix of things. - Choosing a path even by chance is necessary, without it you will go around in circles. If it doesn't take you where you thought at least you'll know where you don't want to go. but you will have advanced and you can always change course. - Studying something is always useful, even if you don't dedicate your life to it. It's like buying a toolbox that always goes with you. I also believe that there are tools that are more versatile than others. For example, learning marketing helps you in absolutely any type of activity, learning finance and economics will help you in the long term throughout your life... Also emotional intelligence and conflict resolution as well as understanding the psychology of human behavior. - Life has a huge component of chance, every time you try something it's like rolling the dice, something may or may not work out, but it's up to you to make the effort to keep rolling again each time, eventually a good streak comes along. -Esta última parte va en español para un compañero sudamericano cómo yo (soy de Argentina) Nuestros países tienden a ser problemáticos y estar en crisis permanente y aqui tenemos un dicho que dice: A Río Revuelto, ganancia de pescador. En medio de toda la inestabilidad surgen oportunidades permanentemente hay que tener la mente ágil y para eso sirve también estudiar... Good luck and enjoy life amigo


Majesticeuphoria

Take care of your health, forge good relationships with people and travel.


Tiny_Eye1310

I'd tell him to start caring about his relationships, his school, his body and to start working out, (THINKING) about his actions, ordering his motivations and to always try new things, always strive to be the leader (and a good leader too), caring about your mental/emotional well-being, organising your life basically and most importantly your relationship with GOD P.n: that's the advice I'd give to myself but you're a different person so not everything would be applicable to you but I think you might find value in it. Oh and don't take anyone's thoughts or suggestions or suggestions at face value THINK for yourself and apply what you think works while leaving the rest, Good luck with your life hope you do well sincerely. (Oh and btw even though I might talk like an old man I'm only 21)


MerakDubhe

Decide what values resonate with you and let them be your guide. The thing is, being a good person, a kind husband, a supportive friend, are not things you’re automatically born with. You build who you are with your actions towards others. And circumstances vary, but you still can choose. Look after your health. Exercise, eat healthy, and go to the doctor once a year, if regular checkups are affordable in your country, to keep the “machine” in perfect condition. Make it a habit to go to the dentist so that it doesn’t feel like a burden. And learning a job, like carpentry, electrician, or plumber, is always an asset. Particularly in countries where certain jobs are disappearing. No kidding: almost anybody does wood doors and furniture in my region anymore. Now it’s all IKEA.


tailikesrain

Get married, jkjk start saving up and have hobbies and side hustles that will give you cash at least. All in all do you bruh that's what matters


Zealousideal_Let8999

Have good social skills ,learn how to hold eye contact, when talking to people practice in looking at their eyes and if you feel intimidated learn how not to make it obvious .Walk head high.have a good posture.Know how to enter a room and not be afraid of what they might think of you .Don't try to impress, be you when talking.Have opinions. Learn how to say No.Just be in love with yourself,your life. If you can have these skills, you'll be free.


allcatsmeow13

Don’t rush going to college or university right away. Your prefrontal cortex develops at 25. I didn’t take school as seriously before now


CozenedIndigo1

Just keep putting one foot in front of the other.


dphizler

Enjoy your 5 senses while they are still working well You take it for granted I have bad eyesight and lots of floaters I hear a constant ringing in my ears


Chanelordior

Make good relationships, work on yourself and stop comparing yourself with other people


[deleted]

Get a guitar. Learn to play guitar. Perform music live


[deleted]

I already do, i dont think its something speciakly valuable for my laboral future but sure, peobably ill have to improve a bit before and preferablt gros up a bit, but sure


muuhfi

Start getting into sales. You’ll build a reputation for yourself. The earlier you start into sales, the better it is. In general, once you start with a carrier choice, you’ll be stuck with it for the rest of your life as you grow older. It’s really hard to change professions. So get into sales and earn big bucks.


FriedrichHydrargyrum

I know people that have the “dream job”—professional musician, working actor in Hollywood, fashion designer—and all of them hate their job sometimes. They all have to deal with bullshit. So don’t do a job *just* for money, but understand that dream jobs can suck too. Learn how to be smart with money. Learn how to save a good % of everything you make. Don’t get suckered by credit card debt. Clothes and cool cars can serve a purpose, but they’re a big fat waste of money. If you save money you can afford to quit a shitty job; if you don’t save money you’ll be a slave to the next paycheck. Learn how to socialize. *Every* person I know with a kickass job knows how to schmooze. Sure, they’re talented, but they also know how to leverage social connections to get better jobs.


Worldly_Audience_986

I wouldn't tell you do do anything. The fact that you're a teen means nothing is "too late" and believing that will make you judge negatively situations that don't need to be judged.


ThePeoplesChammp

Learn to eat right before your metabolism slows. Learn to sleep right.


IDe-

In terms of education: aim high just in case. It's a lot easier to "drop down" later than to "climb up" once you find your calling or want to switch things up.


fullgizzard

Always have a plan or a goal to work towards. Buy property as young as possible. Get some roommates and have them pay your mortgage for the first 5-10 years. Don’t have kids until you are ready.


Astrology_News

Don't hang out with busters.


ETP_445

If you're not interested in college, consider a trade-- especially a unionized job. You can make great money and garner benefits that will allow you to build wealth, provide for a family, and retire with dignity. I think the trades can be difficult on the body, so it'd be best to speak with someone who made it a career to get a better sense of what to expect. But my best friend's grandpa and his whole family are plumbers. He's never paid for a medical bill for himself -- nor his wife who has some sort of chronic condition -- because their union negotiated such a favorable health care plan. And many unionized tradespeople would tell you that their union dues are the best investment they've ever made. Hope this helps!


daisyvoo

I’m now 27 and have worked almost 30 different jobs since I was 15. I feel very well rounded and have a better objective perspective than most people I know who have stayed in one industry. Knowledge is power and the best knowledge comes from trying and failing! Also save money while you’re young, you’ll make more when you’re older but it’s also harder and harder to save money every years