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[quote=Anonymous][quote=Anonymous]Never had a career and the one attempt I made at 45, failed. I retired soon after the failed attempt to become a teacher.
I had worked for minimum wage my whole life, because of legal issues and life circumstances. No benefits, no 401k, no contract to protect me, years of wage theft, abusive drunk boss was all I knew. I could never rely on my job to provide for my future or even present at times like in 2001/2008 when it fell below minimum. Since it was low pay, it was always there though. I just had to work extra 10 hours to get the same money and I had the youth, health, and strength to do so at that time.
Long story short, I became master of every penny I was able to take home. Invested some of into real estate since age 30, and into stocks and crypto age 42. I sold the real estate that hadn't appreciate and bought stocks/crypto in around 2020.
After sending financial advisers packing after putting me into yet another fund, I learned to invest on my own. Investing my new career. I got a degree also at some point going to school after work.
I'm passing down the knowledge to my kids now. They know money comes from money and then maybe from a job. Mom worked for 25+ years and didn't get rich until the market she got into the stock market. So, it can't be from work in our house. Because the kids have investment accounts now, I can take it easier when it comes to their future jobs.
Had I ever been paid well, I would have got stuck relying on my job for money. It took so little money to grow so big. It was not only luck. It is being in the market, staying in the market through 2022, and learning as much as possible.
This investing on your own is not available in so many countries. US make is very easy, but people still don't do it. They seemed to prefer their work place to do it. I will never know why. Will your work 401k tell your kids how they did it? Ofcourse not. They are busy collecting the fees and keeping you safe from learning on your own. Investing is not a rocket science.
I did yet another 10%+ (25% this time) the other day. At some point, it's not luck anymore, it's experience.
If most of the money comes from the market, there are so many careers one can consider age 45+. Time to slow down, not climb the ladder.

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I love how you come on here and post about your marketing acumen, you are so reliable and repeatable. [/quote]

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