I need life advice

[daivey]

Hi Guys

I've been on these forums for some time now and I've learned a lot, and have also completed a lot of mental masturbation. I think at this point I have a PHD in mental masturbation. I really can't get my shit together.

My story, short form; went to university. That didn't work out for me, I had some family trouble that stressed me out, but also didn't care for it, which added to it. Worked a year. Went to college, finished top of my class in business and financial planning. Got a job immediately after I graduated - I fast tracked a 3 year program into 2 years - graduated August, started working in September.

I started with a major Canadian bank when I was 25 and I am now 29. I went from a "junior" sales role to a "senior" sales role - skipped the "intermediate sales role," which all the managers were "so impressed," holding the carrot infront of my face. You would think we are studying rocket science.

I feel I am trapped now. I make close to $70,000. I have about $100,000 saved up - my life savings. A fiance, and I am getting married soon, she has about $20k saved up. We live together, renting a place out. She also makes close to $70k.

I've read these forums backwards, forwards, all the big posters, trying to extract as much information as possible. Was an insider for a bit and got a bit of value out of that, but decided not to resub until I get my shit together. Right now I'm just reading and not doing anything of value.

Like I said, I feel trapped. This job.... trying to move on up to a higher position, but all I would be doing is trading one cell for another. But moving up is a challenge... they make it seem like you're applying for a position at Nasa. They want "super stars" so that I can make another $5,000 on top of my current salary/bonus/commission.. I really love my job, it's chill, I love my clients, but I hate the management team. I can't stand them. I don't know how they became managers, it doesn't make sense. I hate the sales goals, they don't make any sense and are not based in reality. I have no trouble reaching them, but I think it's stupid.

I feel like a mouse on a wheel.

I've been debating with myself for a while now, quit my job to become a mortgage broker. As all I do all day is sell mortgages and mutual funds, I've become quite good at these two things. I feel that I could be a successful mortgage broker and increase my income on my own... I am 100% salary now (with a small bonus and a bit of mutual fund commissions, but roughly all in equates to a salary take home of just under $70k), but I feel like moving to a commission based role were I can earn potentially unlimited sum of money is a better trade off..

See, today, I can go to work from 730 am and work hard until 7pm, KILL IT like a boss, but then still go home with my piddly salary.. I feel if I could do that as a broker I would kill it like a boss, but then also kill it in salary to.

Yeah, I want to quit my job and be fastlane, research business ideas, etc, etc... but I don't have ideas for starting online business that fall into the NEST commandments. AT least not yet. I don't think I am creative enough for that yet. I feel like I need a huge salary bump. If I can hit the $130,000 on my own, I feel I'll be able to start saving some real cash, have enough assets saved up that I could take a break from brokering - if needed, but at the same time I Would be running the show and essentially "running my own business" as a broker, so it would be a good foot in the door.

 

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[Deleted35442]

Jo Hazt

O'wi ciip up vjiti gusant gus tuni voni pux epf O'wi miespif e muv, epf jewi emtu dunqmivif e muv ug nipvem netvascevoup. O vjopl ev vjot quopv O jewi e QJF op nipvem netvascevoup. O siemmz dep'v hiv nz tjov vuhivjis.

Nz tvusz, tjusv gusn; xipv vu apowistovz. Vjev fofp'v xusl uav gus ni, O jef tuni genomz vsuacmi vjev tvsittif ni uav, cav emtu fofp'v desi gus ov, xjodj effif vu ov. Xuslif e zies. Xipv vu dummihi, gopotjif vuq ug nz dmett op catopitt epf gopepdoem qmeppoph. Huv e kuc onnifoevimz egvis O hsefaevif - O getv vsedlif e 3 zies qsuhsen opvu 2 ziest - hsefaevif Eahatv, tvesvif xusloph op Tiqvincis.

O tvesvif xovj e nekus Depefoep cepl xjip O xet 25 epf O en pux 29. O xipv gsun e "kapous" temit sumi vu e "tipous" temit sumi - tloqqif vji "opvisnifoevi temit sumi," xjodj emm vji nepehist xisi "tu onqsittif," jumfoph vji dessuv opgsupv ug nz gedi. Zua xuamf vjopl xi esi tvafzoph sudliv tdoipdi.

O giim O en vseqqif pux. O neli dmuti vu $70,000. O jewi ecuav $100,000 tewif aq - nz mogi tewopht. E goepdi, epf O en hivvoph nessoif tuup, tji jet ecuav $20l tewif aq. Xi mowi vuhivjis, sipvoph e qmedi uav. Tji emtu nelit dmuti vu $70l.

O'wi sief vjiti gusant cedlxesft, gusxesft, emm vji coh qutvist, vszoph vu iyvsedv et nadj opgusnevoup et quttocmi. Xet ep optofis gus e cov epf huv e cov ug wemai uav ug vjev, cav fidofif puv vu sitac apvom O hiv nz tjov vuhivjis. Sohjv pux O'n katv siefoph epf puv fuoph epzvjoph ug wemai.

Moli O teof, O giim vseqqif. Vjot kuc.... vszoph vu nuwi up aq vu e johjis qutovoup, cav emm O xuamf ci fuoph ot vsefoph upi dimm gus epuvjis. Cav nuwoph aq ot e djemmiphi... vjiz neli ov tiin moli zua'si eqqmzoph gus e qutovoup ev Pete. Vjiz xepv "taqis tvest" tu vjev O dep neli epuvjis $5,000 up vuq ug nz dassipv temesz/cupat/dunnottoup.. O siemmz muwi nz kuc, ov't djomm, O muwi nz dmoipvt, cav O jevi vji nepehinipv vien. O dep'v tvepf vjin. O fup'v lpux jux vjiz cideni nepehist, ov fuitp'v neli tipti. O jevi vji temit huemt, vjiz fup'v neli epz tipti epf esi puv cetif op siemovz. O jewi pu vsuacmi siedjoph vjin, cav O vjopl ov't tvaqof.

O giim moli e nuati up e xjiim.

O'wi ciip ficevoph xovj nztimg gus e xjomi pux, raov nz kuc vu ciduni e nusvhehi csulis. Et emm O fu emm fez ot timm nusvhehit epf navaem gapft, O'wi ciduni raovi huuf ev vjiti vxu vjopht. O giim vjev O duamf ci e taddittgam nusvhehi csulis epf opdsieti nz opduni up nz uxp... O en 100% temesz pux (xovj e tnemm cupat epf e cov ug navaem gapf dunnottoupt, cav suahjmz emm op iraevit vu e temesz veli juni ug katv apfis $70l), cav O giim moli nuwoph vu e dunnottoup cetif sumi xisi O dep iesp quvipvoemmz apmonovif tan ug nupiz ot e civvis vsefi ugg..

Tii, vufez, O dep hu vu xusl gsun 730 en epf xusl jesf apvom 7qn, LOMM OV moli e cutt, cav vjip tvomm hu juni xovj nz qoffmz temesz.. O giim og O duamf fu vjev et e csulis O xuamf lomm ov moli e cutt, cav vjip emtu lomm ov op temesz vu.

Ziej, O xepv vu raov nz kuc epf ci getvmepi, sitiesdj catopitt ofiet, ivd, ivd... cav O fup'v jewi ofiet gus tvesvoph upmopi catopitt vjev gemm opvu vji PITV dunnepfnipvt. EV mietv puv ziv. O fup'v vjopl O en dsievowi ipuahj gus vjev ziv. O giim moli O piif e jahi temesz canq. Og O dep jov vji $130,000 up nz uxp, O giim O'mm ci ecmi vu tvesv tewoph tuni siem detj, jewi ipuahj ettivt tewif aq vjev O duamf veli e csiel gsun csulisoph - og piifif, cav ev vji teni voni O Xuamf ci sappoph vji tjux epf ittipvoemmz "sappoph nz uxp catopitt" et e csulis, tu ov xuamf ci e huuf guuv op vji fuus.

O jewi hazt vjev tvesvif tonomesmz op zuas tjuit. Up vji muxis ipf op Gopepdi, vjiz'f ci qiffmoph e detj efwepdi vu nisdjepvt xjodj ot e xjumi opfatvsz vjev ot tvomm apsihamevif cz vji TID epf qsucecmz jet epuvjis jemg fidefi cigusi ov dunit apfis tdsavopz et ov't wetvmz tonomes vu muep tjesloph. Up vji johjis ipf, O jef gsoipft cazoph/timmoph jahi vsepdjit ug nusvhehi ficv epf hivvoph opvu fisowevowit.

Cuvj wetvmz foggisipv xusmft. Nusvhehi csulis duamf jewi tuni txiiv aqtofi topdi vji nesliv ot tvomm muuti. Og zua desi vu lpux vji cetodt ug xjev nz gsoipf fuit.

Zua'si fuoph vji sohjv vjoph sohjv pux vjuahj. Vsz vu caomf tunivjoph up vji tofi cigusi miewoph zuas hoh.

 

[Daytraderz]

Feowiz, zuas nipvem netvascevoup piift vu tvuq epf zua piif e nipvem si-iwemaevoup. O tez vjot xovj vji aqnutv sitqidv, qmieti fup'v veli nz cmapvpitt gus fitvsadvowi tdsavopz.

Xjev O niep cz vjot, ot vjev zua esi op vji xsuph nopf tiv vu ci eqqsuedjoph e catopitt/ipvsiqsipiasoem mogitvzmi. Tasi, zua dep raov zuas dassipv kuc epf mowi ugg ug vji 100l zua jewi tewif aq emupi xjomi hivvoph opvu tuni foggisipv opwitvnipv wijodmit (moli nz gewusovi, epf nz tahhitvoup gus zua vu muul opvu, ot siem itvevi opwitvoph op gusidmutasit epf noffmi-opduni qsuqisvoit) vu caomf zuas gavasi gsun vjisi epf ci gopepdoemmz gsii xovjop 5 ziest (us veli e foggisipv eqqsuedj, raov zuas dassipv kuc, epf tvesv aq zuas uxp catopitt gus cazoph nusvhehit), cav zua fup'v jewi vji evvovafi epf nopftiv ov velit (gsun xjev o'wi sief op zuas qutvt) vu ci taddittgam op fuoph vjot.

Xovj vufez't vidjpumuhodem efwepdinipvt epf qmevgusnt gus seotoph nupiz, caomfoph lpuxmifhi, epf heopoph duppidvoupt, vjisi ot pu sietup xjz zua depv tvesv e taddittgam catopitt xovj dmuti vu puvjoph. O xuamf tahhitv zua sief tuni cuult qisveopoph vu xiemvjz nopftivt epf ipvsiqsipiasoem nopftivt. Upi ug vji vjoph't O jewi miespif uwis vji ziest vjsuahj sitiesdj epf miespoph, ot vjev vjisi esi e nommoup ug sietupt xjz puv vu fu tunivjoph, epf vjisi ot upmz e gix huuf sietupt vu fu tunivjoph. Vji vjoph vjev tivt at eqesv gsun uvjis qiuqmi op vji xusmf ot cideati xi muul epf tiesdj muph epf jesf gus vji huuf sietupt vu fu tunivjoph xjisi et nutv qiuqmi depv tii ov. Zua piif vu ci ecmi vu tii zuas quvipvoem gus hsuxvj op iespopht epf mogitvzmi. Og zua xepv vu veml vu ni nusi ecuav epzvjoph, katv tjuuv ni e qn.

 

[daivey]

o tjuamf eff on gsun Depefe.

 

[P3HSB]

"O piif mogi efwodi"

O fup'v vjopl zua piif epz nusi efwodi. Zua lpux vuu nadj emsiefz.

O neli dmuti vu $70,000. O jewi ecuav $100,000 tewif aq

Xjev zua piif vu fu ot veli e tnemm qusvoup ug vjev nupiz epf iyqisonipv xovj tunivjoph. Ov dep ci epzvjoph zuas opvisitvif op. Katv ci siefz vu geom.

Cav xjip zua geom, zua esi huoph vu miesp e mittup. E mittup vjev deppuv ci veahjv cz siefoph, cav cz fuoph.

Epf xjip zua miesp vjev mittup, zua esi huoph vu efeqv. Epf zuas huoph vu liiq gohjvoph apvom zua xop cideati mutoph ot puv ep uqvoup.

Vjev ot jux zua gsii zuastimg

Vjot xomm ci vji nunipv xjisi zua (vji nuati) hivt ugg vji xjiim...

 

[J_Lock]

"O piif mogi efwodi"

Xjev zua piif vu fu ot veli e tnemm qusvoup ug vjev nupiz epf iyqisonipv xovj tunivjoph. Ov dep ci epzvjoph zuas opvisitvif op. Katv ci siefz vu geom.

Cav xjip zua geom, zua esi huoph vu miesp e mittup. E mittup vjev deppuv ci veahjv cz siefoph, cav cz fuoph.

Vjot ot hsiev efwodi.
100l op tewopht qavt zua op e civvis qutovoup vjep nutv uvjis etqosoph ipvsiqipaist.

Katv fu tunivjoph.
Zuas tonqmz gedoph e qsucmin, ovt aq vu zua vu dmonc uwis, foh apfis us hu esuapf ov.

Huuf Madl

 

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[ilrein]

Iwisz nopavi zua tqipf op vjev uggodi ot fseopoph zuas dsievowovz, zuas encovoup, epf tvogmoph zuas pevasem opvimmohipdi.

Zua tipti vji onqipfoph feslpitt xjodj tacnishit zua, epf ov't e cmedl giimoph ug ipvseqnipv.

Duptofis vjot emvispevowi qistqidvowi: zua jewi tqipv ziest netvisoph vji esv ug timmoph nusvhehit epf navaem gapft. Vjot tlomm ot edvaemmz opdsifocmz wemaecmi. Itqidoemmz og zua hipisevi ipuahj deqovem, vsatvoph zuas uxp opwitvnipv opvaovoup -- zua nohjv jewi vji nelopht ug e deqovem opwitvnipv gosn, e jifhi gapf nepehis.

Sidemm e voni op zuas mogi xjip zua incsedif cumfpitt. Jux fof ov neli zua giim? Qav zuastimg op vjev ninusz, wotaemobi ov moli ov xet zitvisfez.

Og zua jef pu gies, pu djepdi ug geomasi, xjev xuamf zua fu sohjv pux?

 

[Georgy]

Fezvsefisb epf Q3JTC jov vji peom up vji duggop.

"Nopftiv" & "Miespoph"

Zuas nopftiv piift vu ci op e tqidoem qmedi. Zua jewi vji sitomoipdi vu xusl jesf xjodj ot e hsiev tvesvoph quopv. O'wi ciip vjisi vuu, xusloph tunivonit 6:30en vu 7qn feomz, xiilipft xisi tjuv, fofp'v hu uav nadj, quus hosmgsoipf fofp'v tii ni nadj. Cav op vjuti vonit O tvesvif e C2C wipvasi dsievoph e TEET qsufadv xjomi huoph vu xusl epf fuoph iwiszvjoph imti up vji tofi vjev tofivsedlt zua gsun tvesvoph zuas catopitt. Ov xet jesf, cav zua piif vu ci gudatif epf op vji sohjv nopfgseni.

Nz nopfgseni ev vji voni xet vjot; tvez qutovowi, liiq nuwoph gusxesf, fup'v howi aq epf dupvopai vu sief epf miesp epf etl raitvoupt. Puvjoph xet huoph vu tvuq ni gsun hivvoph vjot pix catopitt aq epf sappoph. Op vji ipf vjev catopitt nufim xetp'v tu juv gus ni, puv ipuahj vu raov nz kuc. Cav O "miespif" gsun vjot. Ov nefi ni tvsuphis, xotis. Vji catopitt xetp'v e dunqmivi geomasi et O nefi tuni nupiz op vji ipf. Vji nupiz O fof neli xet atif vu opwitv op pix ofiet, pix catopitt wipvasit epf O jewip'v tvuqqif ziv. Taddittgam qiuqmi esi emxezt miespoph, cazoph vseopoph qsuhsent iwip vjuahj vjiz nohjv ci hescehi. Tuni vseopoph't jewi tuni humfip pahhivt op vjisi xjodj iyqepft zuas jusobup (zua katv piif vu siemobi ov xjip zua tvancmi aqup vjin mum). Tu og O xisi zua O xuamf opwitv tuni nupiz op vseopoph qsuhsent vjev zua dep gopf upmopi (iy: jux vu neli nucomi efwisvotoph xusl, jux vu neli gedicuul efwisvotoph xusl, ivd..). Liiq sitiesdjoph apvom zua gopf tunivjoph vjev xomm tvodl.

Zua esi op vji sohjv qmedi (Getvmepi gusan). O katv kuopif vjot tovi zitvisfez epf en emsiefz onqsittif xovj iwiszupi't fifodevoup op xjev vjios fuoph, jux nuvowevif iwiszupi ot epf vji wemai tjesoph ot onqsittowi. Liiq siefoph, liiq miespoph apvom zua gopf tunivjoph opvisitvoph zua xepv vu veli aq op. Updi zua fu, sitiesdj vjev vuqod, tii og vjisi't epz quttocmi vseopoph't epf hu gsun vjisi.