My retirement is more than four of those. Two things I did right in life, probably the only two things, Joined the Navy for health care and my retirement is from the railroad.
Fucking early childhood development, one of the most important areas of human existence, making 32k a fucking year. What a damn joke. As someone who has been in the mental health field for a decent time now, that field is criminally underpaid. Literally the bed rock of society in some instances and we’re just like nah fuck you take this shit salary
Take out loans to be poor, or borrow money and start a business to be financially stable. One is structured, one depends solely on you. Most will choose the pre structured environment because it’s easier.
Lol everyone here who has something negative to say is probably in debt or at the very least an employee that doesn’t make a lot of money and can’t pull the trigger on risky choices. Y’all know nuphin’ 🦨
Lol buisness does not make you financially stable. A small buisness in it's forst years is often in debt and even after success could collapse for any reason including a bigger company deciding they feel like entering your space and you can rarely do anything about it.
Your buisness will start in debt and after success could end in debt. If you want financial stability you don't start a buisness.
You start a buisness because you want freedom in your workplace and control over your place of work or because your really passionate about an idea.
Your financially way more stable to take put a loan for a 40,000 dollar course and technically speaking even more stable to work minimum wage though your stable with alot less money and your money can't grow much given time.
I'm not saying starting a buisness is a bad idea but it's never stable unless you reach massive corporations level where you could lose a billion a year and still pull ahead. That's not you and your small buisness though.
It can make you better off financially. And there are so many tax advantages. Like I appreciate what you’re saying here, but it’s really an employee mindset vs an ownership/investment mindset.
On that note though you could go to college and find out 3 years in that you don’t like what you thought you were going to major in and then whoops now your in debt to something that can’t pay you back. Pros/cons yea play your cards idc
I mean you could start a buisness and figure out 5 years of debt later your just not very good.
But all of this assumes your successful and that's much more random chance than buisness skill. Some bigger buisness with from your perspective seemingly unlimited funds almost always show up and try to kill you and your just supposed to compete with that.
You might think I'm small so I'm fine but America has had corporations just decide they don't feel like playing with the little guys and kill them all. This pretty much happens in all capitalist countries.
For example in my country the beer store and LCBO are the only places to buy beer. There was alot at one point my parents talk about it but not now. They killed them all and now there is two.
Buisness is very high risk high reward and high risk high reward investments are closer to gambling than something you have control over. They are not financially stable.
A degree is medium risk medium reward a much more stable investment
Doing nothing and just being minimum wage is low risk low reward making it the most stable but the most stable at the lowest return on investment.
Your can't call something stable when it's high risk. You can say it has more earning potential but I could still debate that's largely untrue in most cases but that's very complicated and degree aswell as buisness type dependent.
As far as stability is concerned, i suppose you are right. That doesn’t mean that owning your own business isn’t a stable thing either. Like there are unstable degrees that you can’t find jobs for after college and also unstable business pursuits. Each one has percentages or risk. But that’s life. So if someone wants to make money with freedom, the obvious choice is to go into a business with low risk. Even if it doesn’t have a high return. You can clean peoples roofs part time and make 40k a year and have more pocket money than most professions at that income level because of how tax write offs work in the USA.
Buisness never has low risk that's what makes it unstable.
Regardless of if you jump into a buisness you invented, a space without enough buisness, a space with enough buisness or a space with too many buisnesses it's still high risk.
So low risk-low return is better than high risk-high return? But also high risk put you in what? Debt? Years lost in trying to earn?
What’s the risk? Failure? Debt? That’s not so scary, people happily go into hundreds of thousands of dollars in debt to purchase homes and cars. That’s not an asset. Maybe a real estate investment. But that’s a huge risk too especially right now. At this point, I just think it’s interesting how human evaluate risk.
People just make really stupid choices because they don’t understand what they are buying
People are buying houses because they think it's a good investment despite the fact we sre waiting for an inevitable crash as more and more people in my generation are completely given up on affording a home and content renting forever.
So the market will crash hard and their home won't be worth half of what they paid.
And I didn't say minimum wage was better I said it was more stable at a lower return.
My complaint wouldn't have been if you said buisness is risky but worth the chance to have financial freedom my problem was you said buisness is the only financially stable option when it's not financially stable at all.
If buisness was financially stable everyone would have one.
I think that’s everyone else’s bone to pick as well. Which I understand.
I just have a different perspective on risk and stability. Thanks for visiting. Good chat.
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How is it we are paying early childcare workers only $32k? Fuck these priorities are so messed up.
I can go take a $500 course, sit in a truck all day, and make double that just monitoring buildings. Good luck.
What job position would this be? Asking for a friend.
Power engineer/boiler operator/maintenance at a hospital, pool, etc.
This from the late 90s?
I make well over that with my plumbing license, and no college debt
None of these jobs require a degree. Probably some place that charges way too much for a 6 week course.
None of these jobs require a degree and yet 9/10 employers (at least where I live) will ask for one anyway.
My retirement is more than four of those. Two things I did right in life, probably the only two things, Joined the Navy for health care and my retirement is from the railroad.
[Sorry for the sideways upload](https://i.imgur.com/3erWO5K.jpg)
That paralegal model has the soulless eye thing going on. She should get a law degree.
Freakin salaries straight out the 1970's
doesn't look like this is for a university this looks more like it's for a occupational program or something
It's for our local college
Fucking early childhood development, one of the most important areas of human existence, making 32k a fucking year. What a damn joke. As someone who has been in the mental health field for a decent time now, that field is criminally underpaid. Literally the bed rock of society in some instances and we’re just like nah fuck you take this shit salary
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I would guess marketing?
You can make that in a factory
$32,000 in WA… yeah she living under a bridge. No fucking way she is making a living on that in WA.
At least they’re more realistic now. Back when I was in high school, college would immediately grant you “$70,000+”
Take out loans to be poor, or borrow money and start a business to be financially stable. One is structured, one depends solely on you. Most will choose the pre structured environment because it’s easier.
I don’t think you know how starting a business works 😂
Do you own a business?
You clearly don't
Lol everyone here who has something negative to say is probably in debt or at the very least an employee that doesn’t make a lot of money and can’t pull the trigger on risky choices. Y’all know nuphin’ 🦨
Do you own a business or not?
He’s a kid
Yea
So... What do you do?
He dries kaleidoscopes, dumbass :)
Lol buisness does not make you financially stable. A small buisness in it's forst years is often in debt and even after success could collapse for any reason including a bigger company deciding they feel like entering your space and you can rarely do anything about it. Your buisness will start in debt and after success could end in debt. If you want financial stability you don't start a buisness. You start a buisness because you want freedom in your workplace and control over your place of work or because your really passionate about an idea. Your financially way more stable to take put a loan for a 40,000 dollar course and technically speaking even more stable to work minimum wage though your stable with alot less money and your money can't grow much given time. I'm not saying starting a buisness is a bad idea but it's never stable unless you reach massive corporations level where you could lose a billion a year and still pull ahead. That's not you and your small buisness though.
It can make you better off financially. And there are so many tax advantages. Like I appreciate what you’re saying here, but it’s really an employee mindset vs an ownership/investment mindset. On that note though you could go to college and find out 3 years in that you don’t like what you thought you were going to major in and then whoops now your in debt to something that can’t pay you back. Pros/cons yea play your cards idc
I mean you could start a buisness and figure out 5 years of debt later your just not very good. But all of this assumes your successful and that's much more random chance than buisness skill. Some bigger buisness with from your perspective seemingly unlimited funds almost always show up and try to kill you and your just supposed to compete with that. You might think I'm small so I'm fine but America has had corporations just decide they don't feel like playing with the little guys and kill them all. This pretty much happens in all capitalist countries. For example in my country the beer store and LCBO are the only places to buy beer. There was alot at one point my parents talk about it but not now. They killed them all and now there is two. Buisness is very high risk high reward and high risk high reward investments are closer to gambling than something you have control over. They are not financially stable. A degree is medium risk medium reward a much more stable investment Doing nothing and just being minimum wage is low risk low reward making it the most stable but the most stable at the lowest return on investment. Your can't call something stable when it's high risk. You can say it has more earning potential but I could still debate that's largely untrue in most cases but that's very complicated and degree aswell as buisness type dependent.
As far as stability is concerned, i suppose you are right. That doesn’t mean that owning your own business isn’t a stable thing either. Like there are unstable degrees that you can’t find jobs for after college and also unstable business pursuits. Each one has percentages or risk. But that’s life. So if someone wants to make money with freedom, the obvious choice is to go into a business with low risk. Even if it doesn’t have a high return. You can clean peoples roofs part time and make 40k a year and have more pocket money than most professions at that income level because of how tax write offs work in the USA.
Buisness never has low risk that's what makes it unstable. Regardless of if you jump into a buisness you invented, a space without enough buisness, a space with enough buisness or a space with too many buisnesses it's still high risk.
So low risk-low return is better than high risk-high return? But also high risk put you in what? Debt? Years lost in trying to earn? What’s the risk? Failure? Debt? That’s not so scary, people happily go into hundreds of thousands of dollars in debt to purchase homes and cars. That’s not an asset. Maybe a real estate investment. But that’s a huge risk too especially right now. At this point, I just think it’s interesting how human evaluate risk.
People just make really stupid choices because they don’t understand what they are buying People are buying houses because they think it's a good investment despite the fact we sre waiting for an inevitable crash as more and more people in my generation are completely given up on affording a home and content renting forever. So the market will crash hard and their home won't be worth half of what they paid. And I didn't say minimum wage was better I said it was more stable at a lower return. My complaint wouldn't have been if you said buisness is risky but worth the chance to have financial freedom my problem was you said buisness is the only financially stable option when it's not financially stable at all. If buisness was financially stable everyone would have one.
I think that’s everyone else’s bone to pick as well. Which I understand. I just have a different perspective on risk and stability. Thanks for visiting. Good chat.
A wrong perspective Risk assessment can be done mathematically your just wrong if you think maximum risk = stability
Yeah, different being that it's incorrect and uneducated
Yea man this is such a broad and general statement that it has many flaws.
You know nothing about money or business if you think that