Anonymous wrote:

Anonymous wrote:Mr. Money Mustache

Who is a misrable hypocrite.

Seriously. Loaded and now divorced to boot. DH used to follow him - and finally stopped when he realized it wasn’t all sunshine and lollipops.

Anonymous wrote:I wish I had made different career and educational choices so that I may have had more money in my thirties. When I see peers have high net worths I am green with envy.

How do you deal?

Comparison is the thief of joy. You'll see in your forties that many of your peers will have divorced, developed health conditions, had kids with physical/mental issues, all of which might make you realize that your lot in life isn't so bad.

Anonymous wrote:

Anonymous wrote:I wish I had made different career and educational choices so that I may have had more money in my thirties. When I see peers have high net worths I am green with envy.

How do you deal?

Maybe vote republican next time? Seriously, we’re all 20% poorer under Biden.

Yeah I don't know about that. My net worth is up and I make $70k more than when he took office. Loving it!

Anonymous wrote:Buy a plane ticket to Dhaka, Bangladesh. Walk around and look at how people live there. On the flight home, realize you are actually incredibly wealthy and should stop being a spoiled brat.

#knowyourplaceplebe

Buy a plane ticket to Dhaka, Bangladesh. Walk around and look at how people live there. On the flight home, realize you are actually incredibly wealthy and should stop being a spoiled brat.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:What's stopping you from doing that now? Quit whining.

NP here. I tried for 10 years to get a better paying job, but just kept getting offers for less than I make now.

Early choices in your career are really hard to overcome, and over 30 is close enough to 40 that additional education can be a real waste.

Through in some kids and few have time to start a company or take a second job.

The offers were for less than you were earning because that was your market value with your existing skills and experience. Higher-paying roles require different skills and experience, which can be acquired with effort and focus. Just applying to higher paying jobs is futile unless you have made changes to make yourself competitive.

Further, spending and investing practices have a major impact on wealth accumulation at any income level. The time value of money is significant and at 30 there remains the potential to obtain 30+ years of investment growth. Even a modest portfolio can grow substantially over such a time period, especially if added to consistently. See, e.g., https://www.investopedia.com/terms/c/compounding.asp However, if one spends all one earns, the future will be a lot more bleak. Live below your means, invest in a disciplined manner, and the time value of money can do wonders for you.

I addressed that. I would need to basically change careers and build a whole skill set and hope to be eligible before I’m too old or the market is saturated (considering snapchat, Google and Meta are talking layoffs and hiring freezes, OP may not want to go CS route in her 30s). On top of the fact I already had a job and a family.

Life is way simpler when you know to major in a lucrative field young before kids and while in school; I followed my passion went to a great school in hard sciences, but didn’t consider how much it would pay and like Op have similar regret. But I’m your 30s it’s very hard to pivot without a good deal of luck of basically ignoring your family.

Software jobs plummeting

https://www.businessinsider.com/software-job-openings-continue-plummeting-for-23-weeks-in-row-2022-9?IR=T

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:What's stopping you from doing that now? Quit whining.

NP here. I tried for 10 years to get a better paying job, but just kept getting offers for less than I make now.

Early choices in your career are really hard to overcome, and over 30 is close enough to 40 that additional education can be a real waste.

Through in some kids and few have time to start a company or take a second job.

The offers were for less than you were earning because that was your market value with your existing skills and experience. Higher-paying roles require different skills and experience, which can be acquired with effort and focus. Just applying to higher paying jobs is futile unless you have made changes to make yourself competitive.

Further, spending and investing practices have a major impact on wealth accumulation at any income level. The time value of money is significant and at 30 there remains the potential to obtain 30+ years of investment growth. Even a modest portfolio can grow substantially over such a time period, especially if added to consistently. See, e.g., https://www.investopedia.com/terms/c/compounding.asp However, if one spends all one earns, the future will be a lot more bleak. Live below your means, invest in a disciplined manner, and the time value of money can do wonders for you.

I addressed that. I would need to basically change careers and build a whole skill set and hope to be eligible before I’m too old or the market is saturated (considering snapchat, Google and Meta are talking layoffs and hiring freezes, OP may not want to go CS route in her 30s). On top of the fact I already had a job and a family.

Life is way simpler when you know to major in a lucrative field young before kids and while in school; I followed my passion went to a great school in hard sciences, but didn’t consider how much it would pay and like Op have similar regret. But I’m your 30s it’s very hard to pivot without a good deal of luck of basically ignoring your family.

Anonymous wrote:

Anonymous wrote:What's stopping you from doing that now? Quit whining.

NP here. I tried for 10 years to get a better paying job, but just kept getting offers for less than I make now.

Early choices in your career are really hard to overcome, and over 30 is close enough to 40 that additional education can be a real waste.

Through in some kids and few have time to start a company or take a second job.

The offers were for less than you were earning because that was your market value with your existing skills and experience. Higher-paying roles require different skills and experience, which can be acquired with effort and focus. Just applying to higher paying jobs is futile unless you have made changes to make yourself competitive.

Further, spending and investing practices have a major impact on wealth accumulation at any income level. The time value of money is significant and at 30 there remains the potential to obtain 30+ years of investment growth. Even a modest portfolio can grow substantially over such a time period, especially if added to consistently. See, e.g., https://www.investopedia.com/terms/c/compounding.asp However, if one spends all one earns, the future will be a lot more bleak. Live below your means, invest in a disciplined manner, and the time value of money can do wonders for you.

Anonymous wrote:What's stopping you from doing that now? Quit whining.

NP here. I tried for 10 years to get a better paying job, but just kept getting offers for less than I make now.

Early choices in your career are really hard to overcome, and over 30 is close enough to 40 that additional education can be a real waste.

Through in some kids and few have time to start a company or take a second job.

Anonymous wrote:If you're serious about making a change and have aptitude and interest in logic and analytical thinking, consider computer science / data science. Have many smart friends who successfully switched into this after years of low paying passion jobs. One of my friends is in her mid-30s, works as an office manager as a tech company, and getting her company to sponsor the transition to a junior SWE role -- seems like it's going well.

And having done both, CS has lots of overlapping logic skills and parallels to legal transactional work without the 3 years of law school + biglaw (and dealing with difficult counterparties...)

Dp.
But I thought the big SWE salaries were limited to the superstars, like those at faang

And this:

https://www.dcurbanmom.com/jforum/posts/list/1052499.page

This comes up a lot:

https://www.dcurbanmom.com/jforum/posts/list/1047757.page

Are you a woman? If yes, find a rich guy and marry him.
Are you a man? If yes, find a rich old woman and marry her.
Marriage is the easiest and fastest way to wealth.

If you're serious about making a change and have aptitude and interest in logic and analytical thinking, consider computer science / data science. Have many smart friends who successfully switched into this after years of low paying passion jobs. One of my friends is in her mid-30s, works as an office manager as a tech company, and getting her company to sponsor the transition to a junior SWE role -- seems like it's going well.

And having done both, CS has lots of overlapping logic skills and parallels to legal transactional work without the 3 years of law school + biglaw (and dealing with difficult counterparties...)

Anonymous wrote:Mr. Money Mustache

Who is a misrable hypocrite.