Juantwo3

I started "adulting" at a young age watching my mom struggle to keep us going was a lesson in itself, i like my young parents had a child at 18 i have always been working and understood the need for money but no one explained "credit" until i had relized that i had fucked myself. Not just financially but legaly as well i was selling "Thizz" on a large scale and got busted spent some time in jail re evaluating my life and i couldnt help but think that everything my mom worked for i destroyed in a matter of hours. I had some money saved so i got a really good lawyer and manged NOT to get deported, probation really set me back all my friends where doing so good going to collage and i was stuck working under the table at a repair shop working for pennys and paying off a massive fine all while trying to provide for my son. Shure enough that lit a fire under my ass and it made me adapt to the situation i put myself in i learned the game and planned my next steeps over the next 5 years.

Sure enough i stuck to it and im better then. I have ever been, i own a very succesful business and i am happy. I have 2 boys a place to live and i get to do what i love and at 25 i personally feel im doing very good, and i am setting steps to the next level.

In reality theres no book to becoming an adult, there will be things that take place in your life that will sculpt you into the adult you will become you wont even notice you will just look back one day and say "fuck its been a long time"

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GO DUCKS!!!!!!!!!

zombiewolf513

Stay on top of your property taxes. Don't buy anything if you can't pay for it in full unless absolutely necessary. Don't let another man make your decisions for you.

ZenkiKid

If I were single I would do this. 100000000%.

If it was going really well I would probably buy another condo too and rent that one out completely.

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http://www.nissanroadracing.com/

STR8 H8N

never adult

yolo

simmode1

YES! Most of us let live pass us by because we're chained to a desk 9-5. You have to find alternate streams of income. My wife and I are testing the waters of Forex trading right now...

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"Simplicity is the key to brilliance." - Bruce Lee

CrimsonRockett

Pretty much.

Being an "Adult" isn't very difficult. People sometimes just make it feel that way.

You have X expenses. You make X income (monthly average if commission based). Set a goal of how much you need to set aside monthly for a "rainy day". Trust me, you'll have one. Give yourself some play money. Treat yourself (within reason).

As others have mentioned, the biggest problem people have is spending what they don't have. Learn how to separate wants from needs. Sure, you want that $200 pair of sneakers, but do you really need them?

I remember being 20 years old, owning multiple cars, having an insane stash of parts, but being broke (no debt, just a couple hundred dollars in my accounts). I reassessed my situation, got rid of everything I didn't need, kept my one S13 (personal reasons), and bought my first house at 23.

Never stop learning new things. If you lose your job, can you easily find one elsewhere? With the right set of skills, you can.

I had the pleasure of working in a high net worth area. Mostly retired folk or young guys/gals in the tech industry. The stories I heard, the advice I received, it all helped shape who I've become today.

Now, my girl and I clear six figures, we both hold steady jobs (she's salaried, I'm commission based) we live well within our means, we owe very little, we have enough funds for a "rainy day" to live off of for several years, and are currently in the market for our second home with plans of renting out our current one.

You have to take (calculated) risks in life in order to succeed.

Or, win the lottery and forget everything I just said.

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-Jspec-
Instagram/CrimsonRockett

Silverbullet

I wouldn't worry too much about credit. Do what it takes to increase your income.
In terms of increasing credit, its simple. Put all your expenses on a credit card and pay it each month.


There are different ways to live your life.

You can learn to just survive by watching mainstream media/news convincing you that everything is at a scarcity and that your credit is everything, or you can learn to thrive- get whatever you want out of life.

Learn to invest in yourself. Read/listen to books, attend conferences and seminars.
Meet mentors. Everyone I know that is successful has had mentors that taught them whatever business they are in.
Experiment. Don't be afraid to looks stupid or what others will think. I know its easier said than done

Good luck. Don't limit yourself.

Looks like you're on the right track by learning to invest in yourself by seeking mentors on Zilvia, but there are better communities for this.

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HouseBuyers365.com

BossHogg

It's not hard. You basically run your life like you yourself are a business. Sad thing to say, but the world is money. Nothing more. You take your income and live within your means. Don't fall for the cookie cutter american life style. You don't need to get married/kids in your 20's. That is the worst possible plan a person can do.

Get out their and experience shit on your own before you tie yourself down. Get yourself established and what not. Me personally, I would want to make sure I have stable means of living and available time before I bring a child into the world.

Honestly, I recommend to stay single and don't have kids. Women are one of the worst investments you can make as a young man (vice versa for women, but you all usually don't pay for shit lol). Love changes and best friends become strangers. Focus on yourself. Once you hit a point of establishment, then think about "settling" down. If you are just "dating" for the sole purpose of dating, then you are wasting your time and money. Been their done that, bought a t shirt. Learned that lesson.

Financially, I started slow. The first step is the hardest, it gets easier as you prove to yourself you can do it. Set goals. First things first. I made 5g my "0 point" (basically, your "oh shit" money). If I had $5,001 in my bank, then I only had 1 dollar. I used extra income to pay for life and mostly pay off loans. But never go under the 0 point. Once you get out of actual monthly payments and loans paid off etc, you open up yourself financially.

That is when I started to raise my "0 point". Made it 10 grand. Now that is a pivotal part of saving in my opinion. For the sole reason that you gain that 5th digit. It feels good. You have another number on your statement. Which guess what, makes it easy to keep at least 10g because you don't want to see it turn to a 9 and lose that extra digit. So lets say 10g is the 0 point. I want sweet turbo or something. Well I would have to have 13g before I could buy it so you can cover the spread of not going under the 0 point.

Now, once you hit your new "0 point" limit, I would immediately start to the next. Go up 5 grand each time. But I would still buy fun stuff because you have to live a little. It's not like you have to strictly save at ALL times lol. But keep moving forward even if its a little bit slower because you bought wheels, couch, entertainment center etc.

Once you go through the routine once or twice, you will see that it is easy to save. You start to get close to your new 0 point and it motivates you to reach it. Just keep moving up and up. 20g, 30g, 40g, 50g etc. People may look at my build thread and most likely think I blow all my cash on car stuff lol. They would be wrong. I could buy everything in that thread over again in cash right now. Once you start to hit actual good levels of money, you can reward yourself better. My GTR was a legitimate impulse buy. I bought that thing while I was taking shit on the porta potty at work. Just scrolling through facebook on my cell phone lol.

I understand I have unique job and lifestyle. My job pays well. I started my own rig truck and business. I am the owner and only employee. I have been to 31 states in the last 5 years. Traveling, working, building America. I have no kids(that I know of, don't you judge me) I have no wife. There is one thing I have learned, don't ever stop your path in life over a woman. It's hard fellas I know. But sometimes you have to let them go and keep going forward. I promise you, I have fallen in love in every city I've been to. There is no shortage of women. She is not the "one and only". That is an emotion. Emotions are temporary but highly influential. Don't get trapped in it if you know it doesn't feel right.

Now I'm not saying marriage and kids are terrible lol. Don't get me wrong. I love kids. All my friends kids call me uncle etc. I'm just saying, don't get caught up in it if you are not 100%. ONE HUNDRED PERCENT fellas. If you're only 80%, then you are wasting your time and money. Those are full time investments. It's all or nothing with me or it's simply not worth it. This is America, men get the short stick when it comes to divorce and child support etc. Keep that in mind.

All of this stuff could be talked about in deeper dialogue, but I don't want to type a novel. I just hit the gist of it. Life is very circumstantial and wont be the same for everyone.

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TheRealSy90

I've currently been having a hard time deciding whether I should get my CDL, or finish my drift car this year.


My drift car only needs the power steering setup finished, get tuned, and get the paint and body work done.
Or I can spend that same 4 grand, go to the CDL school here, and basically have a guaranteed CDL which would open up job opportunities and maybe allow me to move to Phoenix and be closer to the drifting scene. But that means I probably won't get my drift car finished this year.


Honestly I know which decision is the "right" one... I just miss drifting my car so much :'(

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ryandriftingfat

What kind of return on investment will that drift car get you? How about the CDL?

The choice is obvious.

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WYLD STALLYNS
http://instagram.com/ryandriftingfat

STR8 H8N

stranger roommates

simmode1

^^^I'd aim for acquaintances actually... Responsible school friends, church members, whatever social construct/group you find yourself in... etc.

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"Simplicity is the key to brilliance." - Bruce Lee

TheRealSy90

Yeah I know lol.

Yeah renting to your best friend sometimes isn't the best idea haha.

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STR8 H8N

what he meant to say was buy a duplex

hanzbrady

Hey could I actually PM you about your job? I know you're a welder and I'm kind of interested.

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[email protected]

simmode1

There are ways to do it. My wife lived in a condo her mom bought before I met her. She was a flight attendant and rented out the other rooms to other flight attendants at reduced rates (but still greater than the mortgage) because who wants to pay full price for an apt when you're there maybe 7 days out of the month? They're hardly ever there, but when they are, they just need a place to put their luggage and sleep. 3bdrm, 2 baths and each of the 2 spare bedrooms had 2 bunk beds in it - meaning 4 ppl per room. 8 paying & responsible flight attendants passing like ships in the night. Probably never more than 3 or 4 were ever there at a time. Really common among flight attendants & her experience was relatively problem free. They call them Crash Pads. Only reason she stopped is because she got relocated to a base in another state & she didn't feel like commuting from state to state.

No idea if it was legal though... lol... I don't wanna hijack the thread so I'll stop on this issue right here.

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"Simplicity is the key to brilliance." - Bruce Lee

STR8 H8N

is op a flight attendant?

hanzbrady

No, but I do travel for work. Like I said any information is helpful whether it's relevant to my exact situation or not.

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[email protected]

zeitgeist

Find a spouse with an education and strong work ethic

STR8 H8N

lunchmeat

I did. Seriously, she's a walking encyclopedia set. Bad news is she's a public school teacher and they don't make shit around here. Which is why I'm busting my ass to get certified in info sec. Land a job in that and I double my yearly income.

supersayianjim

I'm 33, soon to be 34. I don't have any kids and I will keep it that way. so I have to fuck older chicks that have there plumbing fixed or already have the baby-bug out of their system.

I recommend getting a woman who is older and already established, you need atleast 1 reliable chick to have in life wheither the main chick or the only chick.

these bitches nowadays only care about justifying being a cow and popping out babies. taking this advice you will avoid a divorce and a bitch cleaning you out earlier on in life.

remember, if you think you have had some good pussy, there is better. don't let her trap you that way.

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http://www.240sxforums.com/forums/rb...ject-s-rb.html

exitspeed

I just bought a baby grand piano. Pretty much the most grown man thing I've done.

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What I do for a living...www.mhrussell.com

voiddweller

I don't post much, but I read a few really good pieces of advice in this thread so I'll add a few that I've learned over the decades:

1. As stated previously, staying out of debt and only spending what you earn is sound advice, but it's a tough lesson
2. Take good care of your health, especially your teeth and gums
3. You can't take care of anyone unless you take care of yourself
4. Apply for credit early and pay it off every month
5. Start saving at least 10% of your weekly income for retirement as early as possible
6. Build a 3-6 month buffer to cover all your 'needs' before spending money on 'wants' and never touch it unless you lose your primary source of income
7. Enjoy life and find your balance between planning and spontaneity
8. Incorporate a form of passion in what you do for work and life
9. Never rely on anyone or anything for your happiness - it comes from within
10. Most material things can be replaced, but a life can not

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97 S14 SE w/S13 Blacktop
04 CL9