LogFAQs > #930966921

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Topic	Has anyone heard of financial independence?
LinkPizza 12/01/19 5:31:35 PM #23:	blu posted... Not necessarily a normal retirement. Normal retirement is 60-65, even retiring at 50 is shaving 10-15 years off your working life. A normal income for a college graduate can retire mid-40's, shaving 20ish years off their career. Yes, that is the process of becoming a hygienist. They have to supply their own patients for board. The ones I know had backup patients in case their main patient didn't show. If worst comes to worse and they prepared well and if a main and backup patient doesn't show...they can take the exams again next year. There's over a 90% passing rate for the exam. Pretending passing was completely random and you didn't pass two years in a row, you're in the bottom 1th percentile of luck. Third time, bottom 0.1th percentile of luck. You say normal, but normal where? Because as I said, it's not in the US. Since the normal person is living paycheck to paycheck... 78% of Americans, which means that's probably the norm. Not to mention, it seems like even the college graduates are having trouble finding jobs these days... And I know any people who have retired with a decent amount needing a second job. Whether it's because they got older and prices went up, while their retirement amount didn't, or they lived longer than they thought they would. And passing isn't the problem. They can easily pass the exam. But it's getting the patients. They apparently use to provide the patients at the school. But could only get a small amount. Passing the exam isn't the problem. Getting the patients is. And that become luck because you have to get patients that fall into the certain groups. Pretending that getting those patients is easy is ridiculous. The students are literally helping each other find patients. But they still have to find their own first... You don't seem to understand that you got lucky. And are in a better position than most. Or maybe like I said earlier, you just want to humble brag about how much better you are doing than others on this board... Hard to tell, tbh... blu posted... If you dont have student loans, dont get high amounts of student loans. Going to a school you think is flashy isnt better than getting a car you think is flashy. Especially when you dont have a plan to pay for what youre buying. There are many schools with tuition 3k and under a semester in the midwestmove there for a year and become a resident. So many unclaimed scholarships exist simply because nobody applies to them, apply. Not everyone can, but anyone can. I could completely restart and go back to college, and I wouldnt graduate with much/any student debt because I spent time trying to understand how to do it cheaply. It's gonna cost money no matter what. Just because you can pay out of pocket or whatever doesn't mean everyone can. And especially young people will have either a hard time getting it, or a really high interest amount. Moving also cost money. And you would have to be able to find a job. And still be able to pay for tuition, even if it's cheap. And that's if they can find a degree at that school for their major. Also, lots of people know how to live a cheap and shitty life. They don't need help with that... blu posted... Though you should still consider investing even when you have student loans. What you make off your investments will likely be more than what you'd be paying extra on student loans. The problem with this is that many people don't have enough to pay student loans and invest. Most people barely have enough to live month to month without the student loans. Adding that is what hurts families and households sometimes... --- Official King of Kings Switch FC: 7216-4417-4511 Add Me because I'll probably add you. I'm probably the LinkPizza you'll see around. <cite>LinkPizza posted [p:930966921] in Has anyone... [t:78211074]...</cite> <quote>blu posted...</cite> <quote>Not necessarily a normal retirement. Normal retirement is 60-65, even retiring at 50 is shaving 10-15 years off your working life. A normal income for a college graduate can retire mid-40's, shaving 20ish years off their career. Yes, that is the process of becoming a hygienist. They have to supply their own patients for board. The ones I know had backup patients in case their main patient didn't show. If worst comes to worse and they prepared well and if a main and backup patient doesn't show...they can take the exams again next year. There's over a 90% passing rate for the exam. Pretending passing was completely random and you didn't pass two years in a row, you're in the bottom 1th percentile of luck. Third time, bottom 0.1th percentile of luck.</quote> You say normal, but normal where? Because as I said, it's not in the US. Since the normal person is living paycheck to paycheck... 78% of Americans, which means that's probably the norm. Not to mention, it seems like even the college graduates are having trouble finding jobs these days... And I know any people who have retired with a decent amount needing a second job. Whether it's because they got older and prices went up, while their retirement amount didn't, or they lived longer than they thought they would. And passing isn't the problem. They can easily pass the exam. But it's getting the patients. They apparently use to provide the patients at the school. But could only get a small amount. Passing the exam isn't the problem. Getting the patients is. And that become luck because you have to get patients that fall into the certain groups. Pretending that getting those patients is easy is ridiculous. The students are literally helping each other find patients. But they still have to find their own first... You don't seem to understand that you got lucky. And are in a better position than most. Or maybe like I said earlier, you just want to humble brag about how much better you are doing than others on this board... Hard to tell, tbh... blu posted...</cite> <quote>If you dont have student loans, dont get high amounts of student loans. Going to a school you think is flashy isnt better than getting a car you think is flashy. Especially when you dont have a plan to pay for what youre buying. There are many schools with tuition 3k and under a semester in the midwestmove there for a year and become a resident. So many unclaimed scholarships exist simply because nobody applies to them, apply. Not everyone can, but anyone can. I could completely restart and go back to college, and I wouldnt graduate with much/any student debt because I spent time trying to understand how to do it cheaply.</quote> It's gonna cost money no matter what. Just because you can pay out of pocket or whatever doesn't mean everyone can. And especially young people will have either a hard time getting it, or a really high interest amount. Moving also cost money. And you would have to be able to find a job. And still be able to pay for tuition, even if it's cheap. And that's if they can find a degree at that school for their major. Also, lots of people know how to live a cheap and shitty life. They don't need help with that... blu posted...</cite> <quote>Though you should still consider investing even when you have student loans. What you make off your investments will likely be more than what you'd be paying extra on student loans. </quote> The problem with this is that many people don't have enough to pay student loans and invest. Most people barely have enough to live month to month without the student loans. Adding that is what hurts families and households sometimes... --- Official King of Kings Switch FC: 7216-4417-4511 Add Me because I'll probably add you. I'm probably the LinkPizza you'll see around.</quote> ... Copied to Clipboard!
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