>22-years-old >making $35,000 out of college >in order to retire comfortably have to put 10% of my income into a jew01k that my employer matches >have to pay off 25k in student loans while also putting part of my income away for retirement
This is a fucking scam. You need to invest when you are young for retirement or you're fucked, but you also have to pay back student loans at the same time? What the fuck kind of retarded system is this?
Julian Russell
>35k out of college Jesus Christ are you an English major or something? At very bare MINIMUM you should be making 45k/yr.
I really wish more parents and schools taught people how to effectively negotiate their starting salaries.
Asher Garcia
fuck you can negotiate?
Elijah Peterson
Solution: don't have student loans.
Jason Reyes
yeah it goes something like this
>hey give me more money >employer: no
most college grads are lucky to even get a fucking job, why would they push it by asking for more you retard? they'll just get another grad not being a retard by pushing their luck.
>trusting 401ks
they put your money on the stock market, guess what when the next crash happens you're shit out of lucky. you're better of putting your money under your mattress for 50 years.
Colton Cook
You and me both, pal. The future is bleak.
Nathan Kelly
That's not true at all. A good employer expects a potential employee to negotiate a wage that works for both and more importantly is an indicator of retainment. Employees are an investment, any worthwhile company excpets some sort of salary negotiation.
I can tell you really don't have experience with this at all
Hudson Long
I make 55k out of college in finance/accounting dual major, but my only goal until I am 30 is buy land, guns, and propose.
401k, social sec, it's becoming more likely that in next 20 years none of that will matter.
Fuck retirement anyways, I can golf now if I want.
Alexander Stewart
>use your superior college intellect to create a time machine >go back in time >become a plumber >one way ticket to success
Jackson Torres
It's a pretty smart thing to negotiate something a little higher or at least your vacation and sick day's going into employment on a salary since you don't get paid for overtime.
Jacob Collins
Wait you have to pay for rent and everything so at this rate you'll be able to live a real life by the time you're 50. Enjoy your slavery. Where banker and government decide your life worth. Not much more than cattle in this corporate world.
Aaron Cook
>I can tell you really don't have experience with this at all And I can tell you expect your experience to be the norm and not the exception.
literally >works on my machine ;^)
Adrian Clark
>Make 39k a year with no college and no debt
Dominic Reyes
>25k is a lot of debt
If you can't pay that loan off in 3 years you're fucking worthless as a person.
Jason Jones
It is the norm you fucking retard.
Jesus Christ, this is exactly what I'm talking about. Schools and parents really need to teach kids about proper salary negotiation before getting hired.
Jayden Torres
What's there to negotiate? You have a piece of paper and no real job experience. The negotiations come once you have 2+ solid years in the industry.
Ryan Gutierrez
Lmao made 30k out of college writing for a small town paper. At least I was pursuing a passion
Mason Gray
Why, when women won't negotiate shooting for the same position?
Unless you can show off some real life skill out of school, oh wait...
Sebastian Bailey
im going to do some research on the dos and donts for the future, thank you for the tip
Connor Allen
>another dick-measuring RP thread from a bunch of NEETS with grand ideas about life without college degrees and work experience
Adrian Martin
Retiring is a ridiculous baby boomer fantasy that will kill you faster. Work and pussy keeps you alive. Never quit.
Justin Sullivan
>be 23 years old >worked through high school >haven't made less than $50,000 a year since graduating at 17, in a very cheap city >almost $50k in my 401K right now, already maxed out contribution for 2017 >only debt is a car at 0% interest
Enjoy inflation, overpaying on taxes, and not getting that sweet sweet money from employer match.
Hey, someone who isn't an idiot.
>lel government seizing 401K conspiracy
Levi Nguyen
You're right tho. I moved from the journalism industry where i ate scraps to to a new gig at a prestigious prep school and I had no idea how to answer the salary question. I gave a 15k range and am happy on the low end at 45k but holy fuck my 60k top end must have made them giggle.
Hudson Evans
I'm making 30K/yr stipend to get a PhD and accepted a job starting at 108K. Sort yourself out user!
Landon Anderson
>0 percent interest
What kind of car did your parents purchase for you?
Thomas Clark
>he doesn't know how to manage credit
If you're 22 and don't have at least a 750 FICO, it's already to late for you.
Ian Butler
kek, good luck on keeping the government from seizing your 401k one day to pay DEABTS
Asher Hughes
Government won't be the one's seizing shit.
There won't be a diversification strategy to hedge against what is coming, aside from personal development and skill/knowledge base.
Jayden Gonzalez
Hey, it's the >it's happening soon and only I'll be prepared fantasy game.
Gabriel Wood
>retirement this is where you are wrong. don't give (((them))) your money, never fell for (((their))) tricks, build solid skills to live by yourself.
Easton Cruz
Soon, as in the next 35 years faggot. Damn certainty.
You think Bernanke was a genius I bet, and Yellen has a clue.
Get fucked, you won't need my help
Wyatt Sullivan
I could hire you at 18 with a technical certificate and pay you $40k/yr and give you benefits and a company car. You could work from home and pursue an Associate's Degree where, after receipt, I'd increase your salary to $55k/yr. And, after you graduated with a bachelor's in any safety or engineering focus, you'd make minimum $75k, but likely $96k with the experience I'd given you.
t. Senior Loss Control Consultant bullshit title
Joshua Gray
You forgot to add the affiliate link for your emergency survival food.
Zachary Parker
>Thinks I'm talking about prepping
You should delet your account
Angel Richardson
CS here, 60k starting
Henry Lewis
>still falling for the work for someone else meme
Brandon Bell
Wrong. The system won't collapse completely into anarchy, the elites will just assume control. If you make the right investments, you can ensure you're a low-tier patrician in the pecking order.
Dylan Butler
>Making 35k.
401k plans will probably go the way of SS where the government Jews everyone out their money somehow to pay for the debt. If I were you, I'd pay off student loans ASAP, then save the rest of the money for quality of life/emergencies. Just make sure to have enough money at retirement for a rope because fuck getting old when the whole country will be BLACKED/RICED/BEANED by then.
Noah Scott
Welcome to reality. No one gives a fuck about your virtue signaling and you are responsible for yourself. You pay off your loans and bills, buy health and life insurance, and work a 40+ hour career for atleast two years before you ask your employer for a raise of what you believe is reasonable for the workload given.
$25 in student loans is fucking nothing
Gavin Hall
Current systems won't collapse entirely as far as I can guess, but the concept of retirement will be pretty funny.
Dominic Gonzalez
Youngfag here. Just graduated high school and I'm going to college in the fall.
>started three businesses in high school >first was a graphic design team and that failed miserably >second was a YouTube network, that went REALLY well until subnetworks were banned last august, made a total of 30k after taxes. >In august I used half of my money to save for college, used 10k to buy a car and used the other money to live, help pay my dad's rent while he was unemployed. He's good now and got a really good job with our local NHL team as the play-by-play announcer. >used the remaining 3k to start a website that custom printed esports jerseys >my friends and I just sold it for a shit ton of money. Each of us made off with about $35k after taxes.
So now that I've basically paid for state university, what should I study? I'm hoping for a Business/CompSci double major.
Dylan Edwards
Seriously, does anyone trust our government to do anything right before everything collapses on us? Debt ceiling, PetroDollar, and constant threats to our social safety nets, how anyone can say "I want to put my money into an account that the government can alter/control" is pretty retarded in 2017. The idea of having someone else decide the fate of your money is idiotic, fucking Trump can say some retard statement, and boom currency devaluation of the almighty cuck $.
Luke Williams
Richest person I know (who hasn't self made millions by taking advantage of legal system through patent law) is chemical engineering in petroleum outfit restorations.
Anthony Myers
How the future bond and sovereign debt crisis are handled, combined with the student loan defaults and aging draw on SS, will determine how this goes down.
Michael Martinez
Dude just don't go to class, Jack off and play league everyday
Jeremiah Cook
Oh my bad guess you're the "poor but responsible" type.
How is that chink shit car treating you ?
Wyatt Thomas
I got a job paying $40K after gaining experience at a crap help desk job.
I'm traveling to India to train people. At night. When it would be daytime in the US.
If not for the fact they're reimbursing me the $250 to apply for a passport expedited and county fees, I'd have already quit.
Anthony King
I'm by no means a fluke, I have friends who make more than me live streaming, and a lot of people in the YT network industry my age who make over 100k a year.
Levi Bailey
Exactly. There's an uncertainty like we've never seen, all because some cucks said "kick the can, the young people will figure it out", except no one will figure out how to pay for this because it's basically impossible without a global war to wipe our debt or a lot of pain that current/future generations will have to deal with for a LOOONG time. We're basically Greece at this point, but on a much larger scale with the exception being an actually good military to back us up when shit goes down. Every other nation knows this, which is why the idea of a strong EU military should scare us all "IF" it ever happens. American exceptionalism is basically dead, we're just running a facade, until the faucets dry up.
John Morris
Business should be treated like a trade if you choose that route, 80% is common sense. The most enriching courses were financial derivative models and geopolitical reconciliation of best practices, but B.sc degrees are a dime a dozen unless you meet every suit you possibly can during school.
Compsci is fun but you really better know exactly what it is you want to focus on, and get a niche skillset, unless you are going the entrepreneur route.
Agricultural, synthetic materials, and chemical engineering are the knowledge sets I wish I had the time and resources to learn.
Good luck user, congrats on your success, it's not common.
Nolan Wright
And the young who inherited the can were too poorly educated to figure out a way to keep kicking.
Ethically, for future humanities sake, I'm glad it will finally end. Hard times ahead though, most Americans aren't mentally prepared for food shortages due to truckers unable to logistically refuel in a depression.
Hunter Perry
>math phd here, 300k starting >any job I want
Brody Perez
I can't wait for the inevitable devaluation of the accreditation system.
Universities played themselves, assuming the student loans they hand out like candy would always be backed by the feds in some way or another.
Ayden Roberts
>Jesus Christ are you an English major or something?
Guys I seriously don't know who's being ironic and who's being serious. those are big numbers for me.
Anthony Campbell
Seriously, this feels like a "fuck Boomers thread", but these problems are very much because "that" generation decided to take the profit motive all the way into every institution imaginable.
>Prisons $
>Education $
>Housing/Rents Full blown greed to a level never seen before.
>Unions? Nah, the businesses could make more money if they just outsource everything. More profit doesn't hurt anyone, right?....except for the economy, once all the juice has been squeezed from the local money tree.
>Fiscal responsibility? Nope, fuck that, I need mine.
Boomers were handed everything on a silver platter, yet still weren't happy. They decided, why do I have just 1 car? Why not 3? How about houses? Let's get a vacation home because that's completely normal, and why not get another mortgage, so I can flip that house for more $$$. Housing values always rise, right? Then they have the audacity to call the young lazy and telling them to work harder because of their past mistakes/screw-ups. Well, good luck with that pal because the mess they left, will be fucking almost impossible to fix.
Levi Ortiz
Boomers destroyed this country economically, and honestly, even the ones who don't understand why are at fault for not caring enough to fight for change. Comfort breeds complacency, and they had the gall to believe the youth of today are fighting from an even starting point.
My boomer father accused his mother-in-law who grew up during the depression of stealing from millenials by expecting Medicare payments.