>22 years old, will graduate university in a few days >bachelors in french and spanish >maybe $70,000 in debt >have a job teaching english in spain in the fall, pays like shit but less than thirty hours a week >currently have $1400 in my bank account
I want to save money, build wealth, get out of debt, etc. but was raised very poor and have never been taught how to handle finances, obviously. Any suggested reading to help me better my situation? Any tips on investing/when to invest vs saving? If the US dollar collapses due to the virus, should I go ahead and exchange my money to euros?
The Money Guy Show on JewTube gives good advice IMO. What % interest is on the student loans?
Dylan Harris
~3% for most of it, but about $20,000 worth is private loans which have about 10%.
Brandon Bennett
>>have a job teaching english in spain in the fall, pays like shit but less than thirty hours a week
You should get a second job while you're over there. You can either work hard for your money, make a lucky gamble with the little bit you do have, or inherit some money. If none of these things are possible, you're gonna be broke for a long time.
Charles White
Lmao great job on having a retarded major
Daniel Sanders
Look for opportunities in international business particularly Africa or adjacent countries that are resource rich. Corporations are doing heavy extraction and French is the national language of many places. Also, consider the military. Linguists are essential. It will shelter your through the next two years of depression.
Jack Phillips
hey OP
youre gonna ignore this. and thats fine, beucase maybe youre not supposed to make it.
but make a coinbase account ,buy the token called "chainlink" that is all.
from this point on try to buy some every week/month. even if its just a cople chainlink you can affornd. the price is around 3 dollars right now
next month it can be 5 dollars. or 2 dollars but next year it can be 1,000 dollars.
its your only shot. our only shot
take this from a guy who has 13,000 link tokens.
Connor Butler
you can always ignore the debt, fuck up your good goy score, and stay in spain. bang young Spanish teens while you're at it and merge into the European lifestyle, just don't come out a socialist
John King
I definitely planning on getting a second job while in Spain, not sure what to do yet. I was a tour guide once, it paid well, not sure if that’s the case in Spain or not.
>retarded major You’re not wrong, duolingo is free, I’m just mentally ill as fuck (schizoaffective) and something repetitive like memorizing vocabulary was the easiest thing to do on my zombifying meds.
Elijah Bailey
Wtf, why you took that shitty major. You just wasted years of your life.
Joseph Jones
you should definitely prioritize paying off the 10% interest loans my dude.
Woah woah there are waaayy worse majors he could have picked. Being able to speak multiple languages is always useful to someone
Camden Cooper
Put all your money in oil stocks and get a job at an American DMV since its nothing but shitskins. > You just lost 70 grand betting on a Spanish Stock > I imagine your a good know it all liberal who thinks diversity is our strength. > Welcome to the game of life. You just started 70 thousand spaces behind
I believe there was a girl on facialabuse dot com who was Columbian and spoke multiple languages. Very useful indeed. She took it up the ass and swallowed cum in 2 different languages.
>If the US dollar collapses due to the virus, should I go ahead and exchange my money to euros? why would you want Euros, or any paper money for that matter, in that situation?
OP here. I’m definitely a dumbass, though for what it’s worth I’m trying to learn how to be smarter than my parents. Since teaching while in Spain will be my primary job during the week, what are some side gigs I can do in Spain? Not really asking for get rich quick because that sounds like bullshit. Since I’ll be completely alone out there, it should be easier to dedicate my entire life to making money or at least learning how, preferably through smart investments. My dream job has always been working for the military internationally. but since I’m schizo I can’t join. I guess freelancing is still an option?
Owen Perry
>> 18871604 Latuda, lamictal, remeron, trazodone.
Levi Turner
First step :
Don't do a bachelor's in French and Spanish
Did that help?
John King
Bump
Dominic Robinson
Wow man. I don't think people here understand how hard it is to function or make good decisions while on those meds. I know what those meds are like. They make it very difficult to tackle anything that is mentally difficult.
I taught English in Spain for 6 months. So AMA if you want.
And bro you are so fucked financially. Sorry to tell you. There's no future for you in Spain and you're not gonna get a good job in the USA with that degree.
Best advice I can give is turn to trades immediately and hope you can pay the debt down that way.
Robert Thomas
The only advice he needs and more.
Christian Allen
>70k debt you're fucked. those degrees are worthless. I got a worthless polisci degree for 40k and thankfull was able to pay off my loans by living at home and working two jobs. it was so fucked up and not worth it at all.
Xavier Moore
this is the only viable answer. just ignore the debt and start a new life in spain. you're never gonna pay that off
Hudson Baker
I know its not a trendy thing to do because its real money, but buy gold if you want to keep your cash safe during turmoil and fight inflation.
What’s the Spanish opinion on intermittent fasting? I’m considering doing OMAD to save money on food. Also in general does anyone here have reading recommendations to make myself more financially literate? As I said, I grew up poor and I want out of that mindset.
Jose Bell
Lol. What.
They don't really fast. They eat 3 meals a day like most everyone.
Are you a mericafag?
Luis Morales
>bachelors in french and spanish >I want to save money, build wealth, get out of debt
good luck with that
Easton Watson
man you should get a skill like engineering or computer science so you could make 300k+
you could actually do badass international shit if you could get an jn ar a company doing deals
even if you just got an MBA then you could go be a manager at some intl firm without a ton of tech skills
Gabriel Thomas
i know i'm a piece of shit loser but i'm loving watching tons of my former peers graduating with useless degrees into the middle of coronavirus with a bunch of debt. i know they've technically done more with their lives than me but its just so fucking funny. all these dumb middle class pricks with $50k debt while I have $50k just in Chainlinks kekek. i love seeing these kids who think they're Richie Rich because their parents leveraged a McMansion getting rekt. they unironically thought they had a future and boomer lifestyle ahead of them.
instead, all that awaits is thiswelcome home! we missed ya!
