“You can love the company as much as you like, but the company will never love you back.” - My dad.
In a similar vein, HR is not there to help you, they are there to protect the company.
When in doubt, shut up.
The best way to make money in Vegas is to sell light bulbs.
If you find yourself in a hole, stop digging.
Don’t play rigged games
Try to do the right thing, but actually take some time to try to figure out if it’s right or just feels right.
Being right and being wrong feels the exact same until challenged with facts.
That which you consider to be your necessary expenditures will always rise to meet your income unless you protest to the contrary.
–The Richest Man In Babylon
Never commit more than one crime at a time
There are so many laws that it’s impossible not to break multiple at once if breaking a big one. Like planning and executing a heist requires you to break a hundred different laws.
Well then don’t do those, lol
I think it’s more like “don’t drive fast with a tail light out” or “come to a full and complete stop at a stop sign if you have (illegal) drugs in your car”.
Nailed it, haha
Don’t give crazy a baby.
Think long and hard before having kids. Understand if you actually have what it takes to give them a proper life.
Never have children with your ex
Don’t put your dick in crazy
Always stick your dick in crazy.
Far away from where you live with a fake name and number.
Crazy is pretty great in the sack.
My brain gives me advice all the time. I don’t know why, but I have all sorts of quotes, whether it’s from me, or someone else.
“How can you be there for others, if you can’t be there for yourself?”
“The most simple solution is often the best one.”
“Judge someone not by what they are, but who they are.”
“Don’t chase ghosts.”
“Effort is the most important currency.”
And, of course,
“Stay hydrated.”
Effort is the most important currency."
I like this one.
I have a related quote:
“People are focusing too much on how they’re spending their money, and not enough on how they’re spending their effort.”
Spending time is the most generous act
Yes, none of those are original, but they’re all good advice.
Some of them did come to mind naturally, but it’s pretty much impossible to create any sort of brand new sentence, unless you’re eating spicy deep fried peeps, using a Yamaha DX-7 as a plate, at an Olive Garden in Kansas. That might be original. Maybe.
Back in my early twenties I invented the martingale strategy, thinking that I had finally figured out a way to beat the house. I was pretty stoked. Then I talked to my manager about it and he let me know that it was a strategy which has already been proven to fail and has been heavily researched mathematically. Like you said, it’s pretty much impossible to come up with an original thought these days
In the USA, money buys your freedom
The best I ever received? Start saving and investing when you’re young to benefit from compound interest over time. I didn’t take the advice, but I received it!
Did you have money to invest when you were young enough for the advice to matter?
If you worked for $8/hr and took 5% of your income and put it towards retirement (I know 5% is a lot when you’re broke) from age 18-67 assuming you got a 2% raise every year, you could retire with ~$385,000 in the bank and it would last you until you were 79. That’s using the default numbers from Bankrate. If you could bump your savings rate up to 15% using those same numbers (which is admittedly unrealistic) you would be a millionaire at retirement. The moral of the story is start early and be consistent.
If you’re making $8/hr, your head is going to be incredibly deep underwater. 5% is not remotely possible at that wage. At 15% you may as well be living in fantasyland.
Most people wouldn’t remain at $8/hr their whole life, you would likely earn more as you gained training and experience. My point was that at the extreme low of full time wages, your savings rate at an early age helps determine where you would end up. It’s doable especially at hire wages.
The fucked up thing about plain money is that even if you have a million today, that million will be worth less than half when you retire, due to inflation and nrtions that keep printing more money to cover their expenses.
Which is why the second part is to invest it.
People with money usually don’t keep it as plain money though. On average, if you just invest it in S&P500 (assuming historical returns), it’ll be worth at least 4 million after adjusting for inflation after 30 years. 3 million dollars reward for having 1 million dollars. But even if you’re like a gold-standard fanatic and just put it in gold, the same applies.
I’m not going to point out the ridiculous problem with this, since you already did before bowling over it. I’m just gonna disengage.
Saving and investing is also way easier if you don’t give yourself the option to not do it. You won’t manually move 10% of your money each month, but if it goes to a 401k or a separate account automatically it’s far more likely to stay there.
Don’t panic.
It’s easier to apologize than to ask for permission.
We best lead by example.
Keep your mouth shut and your eyes and your ears open.
Don’t cheap out on the things that separate you from the ground (shoes / tires / mattress / etc)
Buy cheap, buy twice. Buy once, cry once.
imho the 2nd and 3rd contradict each other a bitt possibly
I could see that.
As a young teenager: Do not start working until you have to. Once you start, you’ll never stop.
Depends on if you have found your passion. I found the career I was passionate about at age 14 and now have more experience than the vast majority of my peers. Until just recently, I had never managed someone younger than me, and I’ve been a supervisor for a very long time now.
Survivorship bias is a thing. Just because someone is successful doesn’t mean following their advice will make you successful. “I put all my money into lottery tickets and now I’m a multi-millionaire. Everyone should do what I did!”
If you want a scooter, get a bike instead. The bigger wheels make them more stable. -My Dad, not long before he was promoted to glory.
Have an emergency fund and pay yourself first.
The emergency fund comes first $1000 or 6 months expenses tends to be the sweet spot. It keeps you from taking on bad debt like credit cards and pay day loans. 5% of your paycheck is a good place to get started, that’s usually enough to build up funds fairly quickly without hurting too much.
Retirement doesn’t have to be a ton of money each pay check, especially if you start early in life, but if you ever want to retire you have to start as soon as possible because the later you start the more money you have to put away. Take the company match on a 401(k) or 5-20% of your paycheck. Invest in a target date fund or S&P 500, Russell 2000 fund, or whole market fund (and look at the expense ratio, you want that to be as low as possible) and call it a day. Individual stocks are for suckers, but if you want to gamble with individual stocks use 1-5% of your portfolio to do it so it’s not the end of the world if you pick a loser.
Finding your target for retirement is a big step to knowing what you need to save early. Play around with some retirement calculators and debt payoff calculators fairly often as your target number may change based on your lifestyle.
pay yourself first
Did you get this from The Richest Man in Babylon? I just quoted another part of that book for this thread. That’s one of the core lessons of that book.
Probably, I’ve read it before.
I couldn’t tell you the original statement. It’s an extremely popular saying among financial advice people.
A small dose of selfishness is necessary to live life with sanity
It’s called healthy egoism
