Well Bro, let's break this down....
I'm 27 years old and have about $30,000 in cash saved up right now. However I have student loans near the same amount that I pay on every month, a credit card bill, and a hefty rent payment.
You are actually doing BETTER than you think you are.
- According to this study, the average 27-year-old has a negative net worth of over $10,000:
http://thecollegeinvestor.com/14611/average-net-worth-millennials/
- According to this study, people around your age group have less than $1,000 in savings:
http://www.cnbc.com/2016/11/23/here...-millennial-has-in-their-savings-account.html
I have a useless liberal arts degree and have cycled through a half dozen jobs in the last 5 years, mostly in wireless phone sales.
My recommendation before was to continue to operate in some sort of Sales position, maybe IT or Telecom sales position. Find one in a low/average cost of living area, that as a Rep pays out let's say $35k - $50k a year. Then continue to grow, bust your a.ss, and look for next level Telecom/IT Sales related positions (including management positions) that will pay out $60k plus per year.
You
MIGHT be able to start applying for some of the $60k plus per year Telecom/IT Sales related positions right NOW, as I believe you have 3 - 5 years in Telecom sales already, correct? In terms of your degree, for this field, you just need a bachelor's degree in general, which you already have.
The first two of those jobs were great, but the latter two were just dreadful. That has really become a terrible industry, even worse than the airlines.
Bro, every industry svcks lol. You are just going to have to
accept this.
I actually love travel and helping people with it, but there is very little fun here because of antiquated systems, but worst of all the working environment. The office politics is through the roof. It's an office building FILLED with fake smiles from fake people, beta males, mostly female management, and 400 pound feminists who insist on speaking politics and religion at work.
Today there was a half dozen of them bantering incoherently about Valentines Day, and all I could do was bite my tongue. The dominant narrative among Human Resources is in line with that of the 400 pound feminist, not me. When you gather a bunch of these disgusting pigs in one place and they are 75% of the roster, they feel comfortable speaking without a filter as long as the audience is mostly females. And the entitlement even among the lowest caliber of women is making me fvcking hate women, especially those under 30. Couple that with 90 minutes of rush hour traffic per day (45 each way) is driving me goddamn insane. I haven't exceeded one year at a job since January 2015.
Bro....
so what lol?? You are just going to have to accept that most industries and companies operate like this. Your job is to show up and make the company MONEY, which in turn makes YOU money, so you can then go out and live where you want, drive what you want, wear what you want, eat what you want, etc.
I'm a capitalist, but the very nature of capitalism is corruption and lack of ethics lol. For ME to sit over here making 6 figures, there has to be a group of people underneath me making less than that, and a group of people underneath THEM making less than the group above them are making.
That's how the shyt works. There's no morality, this is
business.
I would prefer to work for myself, but I have no product or service to offer.
Bro, do you really think working for yourself is LESS stressful?
Listen, you know I'm in Commercial Finance Sales, but until recently, I technically operated my own business for 10 years. That wasn't less stressful, it was
MORE stressful, because everything fell on YOU. You have to create the products/services for the market, you had to identify the market, you had to raise capital, you had to deal with Accountants, you had to deal with lawsuits/legal issues, you had to keep up on regulations, YOU, YOU, YOU.
And understand you could do all of these things and STILL NOT GET PAID lol. You could not be profitable, which means you didn't technically earn shyt, you just did a bunch of "work" for NOTHING.
Which is why I laugh at the "minimum wage" debates, because I would love to know what fvcking minimum wage do entrepreneurs and small business owners (which represents millions of people in the US) get
?
So the best alternative is to work for a company that allows me to work from home or remotely (even better).
No.
- Your experience is in SALES, you have 3 to 5 years in it.
- Pick a field of sales that is growing, in demand, and when products/services are sold it allows you to make a good living. That should be IT sales, Financial Services sales, Telecom sales to an extent, etc.
- Seek out positions at this point (because you have 3 to 5 years experience and a degree) that has a base with commission plan. Seek out positions that will pay at least $35k - $50k per year in a low/average cost of living area.
- KICK A.SS in that position for the next 2 years. Then seek out Sales related positions paying $60k plus that are still in good cost of living areas.
- PLAY the office politics, smile, kiss a.ss, and do your damn job which is to make the company money. FVCK trying to use this as some "meaningful purpose", let that "meaningful purpose" come from something you do OUTSIDE of work. Such as start a non profit, volunteer in homeless shelters, WRITE a book, etc., etc.
- OPEN a side business and make sure to do the recommended investment strategies I lined out in other threads about using Index Funds, etc.
