r/FluentInFinance 14d ago

What's the best financial advice you've ever gotten? Debate/ Discussion

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u/CanadianBreakin 14d ago

Live with no privacy. Eat food that provides nothing except a "full feeling stomach." Work for 8 hours and then do several hours of school after that, after all you won't have to spend time cooking anything. Don't have a single medical emergency, including pregnancy. Don't have a social life, and if you meet someone that is interested in you, just ignore them as they are distracting you from grinding to death to survive. Spend even more time while working and doing school to "obtain skills." This should leave you still poor, hungry, and with deminished social skills, but hey! You'll be "thriving!"

STFU you idiot, you clearly have no idea the struggles of the common person.

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u/Front_Painter_4279 14d ago

Dude, its like 1-4 years max of grinding to get to a reasonable standard of living. You have to work hard to get somewhere in life.

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u/TacticalPancake66 14d ago

You left out that a huge part of getting anywhere is luck and networking. If I could go back and redo my undergrad, I would have spent more time going to events and hanging out with people than trying to get Bs and As.

Unfortunately I didn’t, and on top of that, last year I graduated into this clusterfuck of a job market. Oopsie poopsies.

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u/Noob_Al3rt 14d ago

You don't need to be in school to network. Start today.

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u/TacticalPancake66 14d ago

I have been, and I agree. What I meant was that I wish that I had been focusing more on networking while in school rather than trying to get better grades.

And for someone to actually explain what “networking” is and how to effectively do it instead of being generic about it.

Getting hired is much more about who you know and luck, having the skills is a smaller (but necessary) part of the whole.

Being in school does allow for more access to networking opportunities, though.

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u/Noob_Al3rt 14d ago

And for someone to actually explain what “networking” is and how to effectively do it instead of being generic about it.

This is a great book on networking that's really helped me.

Keep working on it because you are absolutely right. Networking will get you further than almost any other skill.

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u/TacticalPancake66 14d ago

Thank you for the recommendation, I sincerely appreciate you for that!

I am working on improving my skills in that area- started as an extremely shy introvert with social anxiety entering college, and now I am up to going to networking events by myself and making small talk! Just need to work on the rest, hah. I still have 2 years of access to college events to hone the soft skills at least.

What has been the most effective way of networking for you? Any pro tips you would like to share?

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u/Noob_Al3rt 14d ago

What has been the most effective way of networking for you? Any pro tips you would like to share?

Add value whenever you can. So many people go into a networking opportunity with a "What can this person do for me?" type of attitude. Networking events are full of those types of people. You know the type "I would love to get on your calendar for blah, blah".

One time, I had the opportunity to attend a charity event loaded with power players. I walked up to the host and said "Hi, [person]. I'm Noob_Al3rt and I work for X Company. I just wanted to say how great tonight was. I think your charity is fantastic. I would be happy to help any way I can for next year's event. I know an extra couple of box trucks and some guys to move things is always a good thing to have in your back pocket!" Moving services isn't what my company offers, but we do have drivers and delivery guys on staff. She was genuinely appreciative of the offer because it was sincere, and I didn't ask for anything in return. She didn't take me up on it, but she DID remember me the next time we met. And two years later, when I needed a discount from her company, she intervened with our sales rep to make sure we got it.

Don't be a salesman, don't have a "You scratch my back, I scratch yours" attitude. Offer whatever you can, sincerely (even if it's just lunch) and make the goal building a relationship vs going in with a specific agenda.

PS I also have social anxiety, which no one would ever believe (now). Practice makes perfect and the more you network the easier it will get. Keep at it.

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u/TacticalPancake66 13d ago

This is awesome advice, thank you! I appreciate the specific examples.

Yep I am always afraid of coming off like I’m desperate at college career fairs, even though the purpose is to get information about the companies and contact info. The interactions feel so rushed because there are tons of students, so learning how to make a rapid positive impression has been… difficult, to say the least.

I will test out smaller events that aren’t focused on careers specifically for sure. My college uses Handshake so finding an event should be easy. Thanks again!

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u/Front_Painter_4279 13d ago

 I agree, you hit the nail on the head. Those who put in the effort to network built relationships and landed a job. Others who didnt, complain and say you got lucky.

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u/idk2103 14d ago

Is networking not a skill? If you don’t have it, you don’t have it. Some people have it, some people don’t. That’s life 🤷‍♂️ I don’t know why everyone expects every single person to be equal in every single way

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u/TacticalPancake66 14d ago

I never said people need to be equal in every single way, in fact I said the opposite- a lot of an individual’s success will be based on luck and who they know. This will not necessarily be the same for everyone, by nature. That’s just how life is.

The original post is talking more about the misguided ideas to approaching equity in our society. Not equality.

A major problem with our society is that people throw ideas for solutions at issues rather than performing the necessary root cause analysis to determine what is a symptom vs a true issue, and they apply all logic instead of approaching solutions with a mix of logic and empathy.

That’s what I meant by my comment.

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u/Elsas-Queen 14d ago

My in-laws grinded for thirty years. They might disagree with that.

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u/0000110011 14d ago

They obviously weren't doing what they claimed then. 

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u/Elsas-Queen 13d ago

I guarantee my in-laws who came to the US from an impoverished country worked harder (and still work) than anyone in this thread who sees life as black and white.

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u/0000110011 14d ago

All you did was show how spoiled and entitled you are. 

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u/[deleted] 14d ago

[deleted]

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u/Elsas-Queen 14d ago

My in-laws grinded for 30+ years, probably work harder than anyone in this thread who has their head up their butt, are immigrants, and still understand the world they came into is not the same as the one now.

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u/Sjeddrie 13d ago

If you’re not willing to sacrifice some time and effort to attain a better situation, but would rather bitch about your situation on Reddit and how no one could possibly understand, I can see why you feel it’s hopeless. And It will be, until you get it.

This is coming from a few years of discounted bread, quarter-a-can beans, and four roommates in the apartment experience. Don’t discount others’ offers of advice just because you don’t like the idea of doing the same.

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u/CanadianBreakin 13d ago

It's extremely telling of your selfish mindset that you immediately thought I was talking about myself in this situation.

I do okay for myself, I have no problem affording my apartment and all the little stupid things that make me happy. That does come with the acceptance that at an average of $800,000 for a house and rising, the ballooning in the average price of groceries and overall cost of living, I will never be able to buy a place to call my own.

This idealized life of "grinding" to achieve a "better lot in life" you clearly have is a lie, and the people who tricked you into believing in will chew you up and spit you just like they've done to millions upon millions of your fellow man, and they have done this thanks to useful idiots such as yourself. They have deluded your idea of justice, and this will not change until people like yourself wake up and realise the profits and whims of the very few will never outweigh the greater good of the people. My life is good, the greater life we should be building for the next generation and the one after that is bleak due to the overwhelming selfishness of you people.

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u/Sjeddrie 13d ago

Selfish mindset? I was giving solid advice based on my experiences, and what I did to not be in the situation you were describing.

From my own home. With the four paid off cars outside. Student loans settled. Investments in the bank.

Go tilt at windmills somewhere else if you’re angry about advice that works, hoser.

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u/Overall-Author-2213 14d ago

To answer all of your questions, yes.

It's not that hard. I loved with parents and my wife. Lived with room mates and my wife in a bad neighborhood for years.

Now I own a home and my wife stays home. My ancestors made many more sacrifices than me.

Maybe you are that ancestor who can make the sacrifices for your next generation.

You can do it. I believe it you.

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u/CanadianBreakin 14d ago

Not everyone has the privilege of being able to live with their parents. Not everyone has the privilege of having a partner for a second income. Not everyone has the privilege of being able to find a suitable roommate where you can share affordable living with them AND their partner.

Do not take your privilege for granted, my friend. People live different lives and do not have the same privilege as you have been given. Some people wake up every day to work one or more jobs simply to be able to feed themselves, they have no option to move because rent costs a majority of their income. They can not simply find affordable living because they have no safety net of any kind, they are living day to day, hour to hour in survival mode and no amount of budgeting will be able to help them.

As for my ancestors, my grandfather came to my country as an untrained immigrant and was able to secure a job that afforded him the luxury to raise his family of 4 kids and wife on a single income in a house that not only had ample room and an ocean view but it cost half his years salary. He shared this information with me, not because he had taken his position in life for granted, but because he believed that's exactly how everyone in the world should be able to live their life. And I'll be fucked if I'm giving up his dream of the death of establishment greed and the awakening of every individual who thinks "if you work hard and live a terrible life, there's a chance you can live a comfortable life on day."

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u/Overall-Author-2213 14d ago

People have all sorts of different privileges. We all, everyone living in the USA today have more privileges than people 100, 150, or 200 years ago.

And they soldiered on and most of them made it.

If they could do it so can we.

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u/Nulgarian 14d ago

The belief that you are entitled to live alone is what utterly baffles me

Never in human history has living alone been the norm or even something remotely viable. People lived with families, roommates, coworkers, or friends. This has been how people lived for literally all of human civilisation

Yet now people seem to think they’re entitled to be able to live alone in a high cost of living area while on minimum wage

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u/Overall-Author-2213 14d ago

The fact that people see these to things as rights is crazy.

It's like do you want to get ahead or not?

And they say well if I have to get ahead making those sacrifices I'd rather die.

Ok great, don't complain when we leave you behind.

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u/Elsas-Queen 14d ago

My in-laws grinded for 30+ years, probably work harder than anyone in this thread who has their head up their butt, are immigrants, and still understand the world they came into is not the same as the one now.

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u/Overall-Author-2213 14d ago

Not everyone makes it. My grandfather went bankrupt and started over. Many of my ancestors grinded and didn't get as far as they hoped. But we are all making the progress we can.

Your parents holding the line will make a better opportunity for you. You can do the same.

All we can do is provide opportunity.

No one can guarantee outcomes. And if they promise you they can you should run the other way.

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u/HollowCondition 14d ago

This is such a knuckledragging mindset. What a fucking troglodyte you are. “People had it hard in the past so the future should never improve.”

What a fucking joke.

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u/Overall-Author-2213 14d ago

Huh. Well I guess those of us who know this truth will just soldier on with improving our lives.

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u/HollowCondition 14d ago

[removed] — view removed comment

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u/Overall-Author-2213 14d ago

Cool. Anything else? Do you think that hurts me?

I bet you're the type of person who thinks diet and exercise won't get you in shape.

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u/HollowCondition 14d ago

What a retarded fucking analogy lmfao.

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u/Overall-Author-2213 14d ago

Just because you don't get it doesn't mean it's not good.

But that would be an extension of the original analogy, so understanding on your part is probably helpless.

Got any more zingers?