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Joined 3 years ago
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Cake day: July 4th, 2023

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  • I think a lot of people don’t understand basic finance.

    Having healthy savings let’s you spend money, figure out how to save for long term so it can accrue interest and give you supplemental income (basic mutual fund, nothing crazy).

    If you can afford a trip, you can afford to spend $500 less and put that into savings. Even $10 a week quickly and up and compounds, especially if you start young.

    It’s not just about not spending, it’s about putting the extra cash somewhere smart so it goes itself so you’re but sacrificing as much but still having that financial security.















  • Depends on your situation and objective. If you’re currently employed and want to increase potential earnings in the same track, then probably around 30/35 from my personal judgement. You should really have enough professional experience and context at that point to make up for a degree, especially if you’re engaging in continuing education, staying up to date on professional articles, watching conference talks, etc.

    If you’re looking to get an MBA to move into a management track, it’s probably worth it later in life until like your 40s and 50s earnings wise.

    If your current industry is tanking and you need to pivot to a new one, then you don’t really have any other options than to reskill no matter how old you are.

    If you just want to learn philosophy or history independent of your work, then there’s not really a point where it’s too late, just how many classes you have time for which is wholly dependent on your life circumstances and doesn’t depend on age.