ITT: Older misc'rs (28+) give life advice to younger misc'rs

[MrSilverback]

If I only knew what I know now:

- Enjoy college, best time of your life
- Don't accrue a ton of CC debt, you'll regret
- Take care of your body when your young. Train smart with good form.
- Put in your time in the weight room while young so you need to work less when you're 30+ (srs)
- There will be many loves in your life. Don't let love cause you to make bad decisions when you're younger.

[AcLion]

will take advice op, preciate

[darkninja67]

Don't mess with those two hoods who were picking on the mentally challenged kid.
live and learn

[Sebt1890]

how much CC debt are we talking????

[CodyLee1337]

Think I'm on point with most of this stuff finally good post will keep reading

[MrSilverback]

how much CC debt are we talking????

General rule of thumb (of mine) is no more than 5% your income for more than a year.

Eg: $25,000 year salary, no more than $1250 per year. Works out to a little over $100 a month CC payment to pay it off.

I prefer to be a LOT less than 5%.

[PervedOut]

-As you get older, your friends turn their backs on you even quicker
-Develop a hobby (not drinking/drugs) as you will need it to occupy your time and perfect it
-Attractive single women our age are single for a reason...THEYRE NUTS
-The grass is NOT greener on the other side (dead srs)
-Having a shtty car at our age is a symbol of failure, make sure you dont

[Uncle-Phil]

don't get married until the age of 35+.

focus on yourself before anyone else.

acquire knowledge and skills to get a good job, focus on love later.

[MrSilverback]

- Fighting 99.99999% of time isn't worth it. The .000000001% time it is...hit first and hit hard.
- Start saving. A "security blanket" is worth more in the the peace of mind than the actual money in the bank.

Don't mess with those two hoods who were picking on the mentally challenged kid.
live and learn

No problems since. One of the guys asked if he could work in on a bench with me. I said no problemo.

[MrSilverback]

-As you get older, your friends turn their backs on you even quicker
-Develop a hobby (not drinking/drugs) as you will need it to occupy your time and perfect it
-Attractive single women our age are single for a reason...THEYRE NUTS

Soooooooooooooooooooo much truth.

Especially #2. My hobbies are so important to me. Aside from my loved ones...they're my life.

[darkninja67]

- Fighting 99.99999% of time isn't worth it. The .000000001% time it is...hit first and hit hard.
- Start saving. A "security blanket" is worth more in the the peace of mind than the actual money in the bank.



No problems since. One of the guys asked if he could work in on a bench with me. I said no problemo.

Good to hear it turned out well.

my advice:

Live life as you may have just one crack at it.
Saving early is always good as is getting an education in a field that is hiring always.
Think really hard about having children at an early age.

[LucasDavenport]

General rule of thumb (of mine) is no more than 5% your income for more than a year.

Eg: $25,000 year salary, no more than $1250 per year. Works out to a little over $100 a month CC payment to pay it off.

I prefer to be a LOT less than 5%.

I agree with this. I'm 33 and have finally crawled out from any CC debt in the last few months. For the first time since I was 18. As soon as I did I went to the bank and got my limit dropped from $7500 to $1000. I don't even want it but need it for ordering online and emergencies etc....

Don't accrue debt kids. It fuking sucks and will drain you. By that I mean don't take out a $100 bucks to go get yucky with the boys. Before you know it you're paying a $400 bar tab and wondering wtf!

Do not get married before 28. EVER. NO EXCEPTIONS.

WRAP IT UP.

Take a spring break trip in the Carribean once a year(if you can afford it). I waited until last year and regret waiting so long. Have to treat yourself now and then brahs.

[escortbrah]

in for advice

see username and sig for further analysis

i want to make $20k a month in 5 years

[arn710]

I agree with most of them but not the CC one

I know it sounds dumb but I racked up a good amount of CC debt in college. Honestly, I don't regret it one bit. Had the absolute time of my life. If I could do it over again, I would have racked up more. Some of the opportunities you have while you're in college will never present themselves when you have the actual responsibilities of an adult.

Being frugal at this point in my life is a fair sacrifice for the fun I had when I was younger

[blazinbeast]

I need to find a new hobby desperately. I go to the gym regularly but always have so I don't even think of it as a hobby any more. Played soccer my whole life but it is getting old.

The only thing I would really love to do is Muay Thai...but I have had shoulder problems so I get discouraged from signing up.

Any other good ones? I spend way too much time thinking and focusing on girls and it is not healthy at all.

[Preban_AR15]

You aren't fooling anyone when you buy a used old luxury car with 200k miles. Just buy a reliable car as your daily driver. You need something easy to maintain while in school.

This especially applies to the MISC, everyone always suggests a used BMW with high mileage as their first car.

[Scotytri]

Don't start smoking, it's a bitch to give up
Agree with CC debt, don't get in to much
Keep in touch with your friends
Find a job you enjoy, there's no point spending 40 plus years doing something you hate
Don't get caught up in the kids and marriage trap if you don't want to
Women put out easier as they get older.

[MrSilverback]

I agree with most of them but not the CC one

I know it sounds dumb but I racked up a good amount of CC debt in college. Honestly, I don't regret it one bit. Had the absolute time of my life. If I could do it over again, I would have racked up more. Some of the opportunities you have while you're in college will never present themselves when you have the actual responsibilities of an adult.

Being frugal at this point in my life is a fair sacrifice for the fun I had when I was younger

To each their own. My GF buried herself in college "having the time of her life". She regrets it immensely. People recover from deby in different ways.

Right now I have $85,000 in open credit on CC's. Of that $85,000 I've filled about $1000 of it.

[E-Tank]

focus on yourself before anyone else.

acquire knowledge and skills to get a good job, focus on love later.

so much this

im tired of my friends wanting love and kids etc but they dont even have themselves right including how theyre gonna finance a child

[blazevic]

anyone who is 25+ on misc is 90% a massive virgin/wierdo



proof of virgin ^

notice the homo beard and gay ass glasses lmao

[ehte]

Be fu*king awesome with money. Save,save & save serious

[mole177]

no debt brah checkin in. don't take out loans just because you can. have a strategy to pay it back within a timely manner.

friends come and go, you'll only have a handful of brahs you can talk anything about, pick them wisely.

know how to cook. it'll save you money and excite wifey material.

[darkninja67]

To each their own. My GF buried herself in college "having the time of her life". She regrets it immensely. People recover from deby in different ways.

Right now I have $85,000 in open credit on CC's. Of that $85,000 I've filled about $1000 of it.

fuk
Know that feeling and it wasn't good. had to make a decision back in 2000 and it may have actually saved my life. That stress sucks.

[escortbrah]

Women put out easier as they get older.

[vtecaddict]

-Say to yourself "Do i need it or do i WANT it". Should save you some money
-Try to save every paycheck. It's nice to have a nice sum of money in case of emergencies
-Don't fall for the marriage trap at such an early age.
-Start running. Running at least 15 miles a week is way better for you than squatting 500lbs in the long run.

[Bassackwards]

-before you get married, make sure you both evaluate all of your assets and debts. i didnt know about my wife's financial problems until after we got married. now she is a stay at home mother/house wife and i'm left paying her bills.

-do all of the crzy **** and the things on your to do list before you get married. because afterwards, you may never get the chancce to do them.

[5x10]

-Having a shtty car at our age is a symbol of failure, make sure you dont

my house is paid off and I drive a 98 Buick lesabre
I would say the opposite
Buy a beater, save your money, pay off debt

And make sure you look at a girls spending habits if you plan on having a serious relationship with her
Money is the biggest cause of relationship issues

[arniesays1]

Get a job you enjoy, as appose to one that just pays well.

I work in management, and the ONLY good point is that it pays well (and will look good on a CV). But the job is crap, Im miserable as fuk, and looking to leave ASAP and getting a job I enjoy even if the pay is half of what Im on now.

[FEA]

In more more excellent wisdom.
I like the whole avoiding marriage/kids trap.

[MrSilverback]

I need to find a new hobby desperately. I go to the gym regularly but always have so I don't even think of it as a hobby any more. Played soccer my whole life but it is getting old.

The only thing I would really love to do is Muay Thai...but I have had shoulder problems so I get discouraged from signing up.

Any other good ones? I spend way too much time thinking and focusing on girls and it is not healthy at all.

-Fishing
-Hunting
-Cars
-Motorcycles
-Scuba Diving
-Surfing etc.

Just some of mine.

Find a job you enjoy, there's no point spending 40 plus years doing something you hate

^This. Money is nothing if you can't stand waking up and doing what you do every morning.