Going back to school

[Kidnemo]

What crack are you smoking? $50,000? Are you nuts? You should have $50K saved up for retirement before you're 30. My gf's dad started from nothing, retired at 50 or so as a multi-millionaire, and is living the high life going on vacations, doing whatever the fuck he wants. He didnt do anything particularly special either, outside of staying out of debt.

FACT: anyone with half a brain could live well and retire comfortably at a reasonable age.

Please come back when you know what you're talking about.

LOL

Awesome, your g/fs dad is the average too. Actually I just read an report yesterday that said 100% of people that retire are multi-millionaires!

FACT: I said that anyone with half a brain is able to save and retire early, that doesn't change the fact that people who do that are the minority.

Only about one-third (36 percent) of Baby Boomers think they will have enough money to live comfortably once they retirement.

40 percent of Boomers are not sure if they will have enough money to live comfortably.

One-fourth of Boomers do not think they will have enough money to retire.

the average retirement age in 2001 was 58.3 after 26.4 years of service

There is an entire industry built around helping people to retire because they don't have the financial wisdom to do so themselves, that is a fact.

The number of "working retirees" is way up as well, which IMO pretty much defeats the entire point of retiring in the first place.

I could spend more time looking up stats and numbers, but most of my opinion on the subject was based around working with reasonably well established white collar people for around 8 or so years. There were tons of them freaking out about money and many of them were so dug into their daily work ruts that when they were layed off they had zero clue what to do.

Don't be such a smarmy little cunt all the time.

[Diff-chan]

Yea and most of those people probably had houses they couldnt afford, credit cards they were struggling to pay, six expensive cars they couldnt pay for to keep up the status. They were probably working their shit jobs to keep paying for that lifestyle.

Not trying to front here, but if you've been working for 30 years, making $30,000 a year after taxes, thats $900,000 your working life. If you dont have $100,000 after that to your name you're a retard. But the thing is, life doesnt work like that. If you have a degree you'll make something like $2.5 million over your life. If you have to work at Wal-mart when you're 70 its because you screwed up, probaby by buying shit you cant afford.

Now I dont know what will happen to this economy over the next 50 years, its not looking too hot right now, but just in terms of the current.

[Jeremy]

Part of me hopes you never stop acting like you know everything about everything.

[Dyne]

If you have to work at Wal-mart when you're 70 its because you screwed up, probaby by buying shit you cant afford.

i love how you use your own life to base others on. peoples lives don't end up at Wal Mart because they "buy shit they can't afford", they end up there because there is pretty much a non-existant job market out there for college grads. the old saying "a degree will get you in anywhere" doens't apply all over the country.

just remember a lot of people aren't as fortunate as you. you got lucky, appreicate that.

[Yoshi]

Im so glad I didnt go get a worthless degree in whatever buzzword "new media" bullshit that so many of you chumps did.

IBTN

i love how you use your own life to base others on. peoples lives don't end up at Wal Mart because they "buy shit they can't afford", they end up there because there is pretty much a non-existant job market out there for college grads. the old saying "a degree will get you in anywhere" doens't apply all over the country.

just remember a lot of people aren't as fortunate as you. you got lucky, appreicate that.

Bullshit. It's not luck. It's called hard work and planning. I believe Diffx and I have the same degree, or at least a very similar one. Neither of us went to some damn ritzy private school like Duke or Stanford. We went to state school, worked for the degrees and got jobs in related fields (interestingly enough in two totally different industries).

There is a job market, and it is plenty healthy if you're not an idiot who never went to college or picked a predictably useless major. In this "horrible" economy, my employment has never been threatened, and my salary has increased over 70% since I started in 1998 (for you retailers, that's the equivalent increase of $7/hour to about $12/hr percentage wise).

It's no one's fault that people don't have safe, well-paying jobs but their own. If they spent half the time researching or even thinking that they do whining, they'd be a lot better off too.

[Dyne]

the other thing i'm wondering is where bills come into this magical 30k/year takehome. because it's pretty hard to save money when you have a house, car and other bills.

and i don't believe there's to many 30k/year takehome jobs for non collegiate folks. it's a nice fairytale.

IBTN

Bullshit. It's not luck. It's called hard work and planning. I believe Diffx and I have the same degree, or at least a very similar one. Neither of us went to some damn ritzy private school like Duke or Stanford. We went to state school, worked for the degrees and got jobs in related fields (interestingly enough in two totally different industries).

There is a job market, and it is plenty healthy if you're not an idiot who never went to college or picked a predictably useless major. In this "horrible" economy, my employment has never been threatened, and my salary has increased over 70% since I started in 1998 (for you retailers, that's the equivalent increase of $7/hour to about $12/hr percentage wise).

It's no one's fault that people don't have safe, well-paying jobs but their own. If they spent half the time researching or even thinking that they do whining, they'd be a lot better off too.

you guys work with money and numbers, of course it's not hard to find work. just don't play up everyones lives like yours.

[toxic]

Yea and most of those people probably had houses they couldnt afford, credit cards they were struggling to pay, six expensive cars they couldnt pay for to keep up the status. They were probably working their shit jobs to keep paying for that lifestyle.

Not trying to front here, but if you've been working for 30 years, making $30,000 a year after taxes, thats $900,000 your working life. If you dont have $100,000 after that to your name you're a retard. But the thing is, life doesnt work like that. If you have a degree you'll make something like $2.5 million over your life. If you have to work at Wal-mart when you're 70 its because you screwed up, probaby by buying shit you cant afford.

Now I dont know what will happen to this economy over the next 50 years, its not looking too hot right now, but just in terms of the current.

What a moronic statement, dude. In this idealized world you live in, there must be no kids, no car repairs, no vacations and a house that never has problems.

[jonas]

Multimedia isnt gonna get you anywhere (ive read robobo, no offense)

What? Robobo has nothing to do with Multimedia. It's just a hobby that Andrew and I enjoy doing. My course was for web design, etc etc. It wasn't entirely useless and I am good at my craft in it... I just don't think it has the longevity.

Am I gonna be a web designer when I'm 45? I doubt it.
What about a cook? Most likely, and probably quite successful.

[Mykozo]

I've been out of school for about 2 years now. I graduated from college with a diploma in Multimedia Design.

The thing is, it's a hard decision for me. I'm almost 24 and I am just about to be promoted to Supervisor at my retail job. Multimedia Design didn't really work out because of the flakiness of the field. There are so many people wanting work but only so many jobs. In cooking however, there are tons and tons of jobs.

The reason there are so many people wanting work, and only so many jobs is because the field that you got your degree in is quite popular, and the people that have the jobs that are making the good money are the ones that have paid their dues. Unfortunately lots of times in media you are going to have to work either

1. unpaid internships, which hopefully result in a staff position at the company your interning for, or,
2. other crappy, low level jobs, while you keep searching for something better and finally get your break.

I've been an engineer and editor on and off for the last 5 years, and I'm just now starting to get offers for good, well paying full time positions. Almost all of the work I've had has been freelance, which took alot of self promotion on my part just to keep myself working enough to pay the bills. However I still love freelancing, because I can overcharge the shit out of people The bottom line is that working in media has to partially be a labor of love at first, with the well paying positions coming only after you've grinded it out on the bottom rungs of the ladder. Furthermore, because of the highly competitive nature of the field, success depends on your willingness to not have a life. People want it so bad that if you are not willing to take the low paying jobs, work ridiculous hours, and essentially be a bit of a bitch for awile, then there are 1000 people in line right behind you that are more than willing. I tell ya what though, for me it was totally worth it to stick it out. I work with tons of cool people, wear whatever I want to work, do what I love to do, and get paid well for it. It doesn't even seem like a job anymore.

Don't ever, ever, ever...stay in retail if at all humanly possible. Room for advancement is usually limited to middle management, where you will stay until a DM or RM leaves, gets promoted, or kills himself.

BTW, I started typing this about an hour ago at work then got sidetracked, so pardon if anything above has already been touched upon.

[Yoshi]

Part of me hopes you never stop acting like you know everything about everything.

He doesn't know everything about everything, but he knows more about most things than most people here.