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  1. #14376
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    Quote Originally Posted by Mazderati View Post
    Yeah, but everyone else is just lazy. /s
    No. Just not as lucky.

    The world is perfect. Appreciate the details.

  2. #14377
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    Quote Originally Posted by Timberridge View Post
    Que?

    You and Benny sound like two broken down old guys at a bar. Then glademaster walks in and somehow by comparison you both are Tony Robbins.
    Says the millionaire with the business degree.

    The world is perfect. Appreciate the details.

  3. #14378
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    Quote Originally Posted by californiagrown View Post
    Who taught todd basic handyman skills as a kid, how to live below his means, save a large percentage of his income and invest early? It seems like you are also discounting the Wife's (or babymama's) role in Todds financial situation. Dual income no kids until their late 30s allows you to save quite a bit of money.

    One of the often overlooked benefit of well-to-do parents is the money mgmt habits that they pass down to their offspring. The inheritance of socioeconomic habits and culture from parents is not to be underestimated IMO.
    yeah, we can invent a whole back story for Todd than Google one of the 50 shitty “retire by 40 articles” that wasn’t about someone who inherited 6 figures to justify our priors, or just say… that’s not common.

    and there are some top “state” business schools

  4. #14379
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    Quote Originally Posted by sirbumpsalot View Post
    The degree is just a ticket to get in....the rest is up to you.
    100%. The name on the diploma gets you an interview easier, and may even get you an entry level job easier... but the industry only cares about results from their on out. Very few people stay at one company their whole life, and No ONE cares where you went to school when applying for that second job. The cream will rise (not counting sexist, racist decision making that is becoming less and less of a problem recently).

  5. #14380
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    Quote Originally Posted by Timberridge View Post
    Que?

    You and Benny sound like two broken down old guys at a bar. Then glademaster walks in and somehow by comparison you both are Tony Robbins.
    Plenty of people go to state school and do just fine and live perfectly happy lives, but only on maybe a polo forum would there be more obtuse people that would try and justify having 1.1 million liquid investable assets at 40 as normal.
    Live Free or Die

  6. #14381
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    You both need to go for a bike ride.

    500 people in the whole world? C'mon man.
    "timberridge is terminally vapid" -- a fortune cookie in Yueyang

  7. #14382
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    Quote Originally Posted by Benny Profane View Post
    No. Just not as lucky.
    That's partly the point. It's the success paradox. It's the working stiff's version of Carlin's drivers analogy. Everyone more successful than you had it fall in their lap and everyone less successful is lazy.

  8. #14383
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    Come on man, don't dig your hole deeper. There are only so many fortune 500 companies. And of those, there are maybe a handful of people who went to Eastern Iowa State (or equivalent) and rose to VP by 40 years old.

    That was the example, and it is ludicrous.
    Live Free or Die

  9. #14384
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    Quote Originally Posted by BobMc View Post
    Back to the stonk market... CLB was downgraded and price target lowered yesterday, sold a July 16 CC @45 for $3.25/per this morning. Up $105 on it already, gonna let it ride and be assigned or not. It's only paying a dividend of .04 annually, been wanting to move that into something higher yielding.
    XOM will likely raise its dividend. My conviction remains high. Adding to core holdings by selling June 65P

  10. #14385
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    Quote Originally Posted by californiagrown View Post
    and No ONE cares where you went to school when applying for that second job.
    demonstrably untrue.


    it’s the 1.1 million in liquid assets with high cost lifestyle additions (children) that’s the rub

  11. #14386
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    Don't let Benny suck you in to his black hole of negativity.
    "timberridge is terminally vapid" -- a fortune cookie in Yueyang

  12. #14387
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    Yup. Think happy thoughts, and get rich!

    The world is perfect. Appreciate the details.

  13. #14388
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    Quote Originally Posted by dunfree View Post
    demonstrably untrue.


    it’s the 1.1 million in liquid assets with high cost lifestyle additions (children) that’s the rub
    Yeah, I didn't even go near that one. Kids. The most comfortable Boomers I know we're both working DINKs.

    The world is perfect. Appreciate the details.

  14. #14389
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    Quote Originally Posted by dunfree View Post
    demonstrably untrue.


    it’s the 1.1 million in liquid assets with high cost lifestyle additions (children) that’s the rub
    the first part was admittedly hyperbole. The point was that the name on your diploma gives exponentially diminishing returns the further out from your graduation date that you get. Its job performance that becomes important (yes exceptions exist).

    I dont think anyone was arguing that todd's situation was super common or the expected normal. Just that its not outrageous, or unobtainable if you play your cards over 20+ years intelligently, with discipline, and manage to avoid some bad luck along the way you could have 1.1mil in total investable assets. It doesnt take an ivy league degree or rich parents, and it sucks that is the kneejerk assumption. Financial success is a lot more possible than i feel like many of my liberal compatriots (and paradoxically the MAGA contingent) believe these days. Too much woe is me and blame-game, not enough competitive fire to succeed (as a general observation, not to say that some structural issues do not exist).

  15. #14390
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    Someone should tell Yale their degree just isn't what it used to be.

    While I agree there is a lot of woe is me negatively and that does not help, you at least need to set realistic goals to achieve / state. Work hard and play your cards right and sure you will be comfortable, but 1.1 liquid is a whole hell of a lot more than comfortable at 40 years old.

    The Todd example without help from home or blind luck is .1% territory and if you don't know that you clearly didn't work for it.
    Live Free or Die

  16. #14391
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    Quote Originally Posted by californiagrown View Post
    the first part was admittedly hyperbole. The point was that the name on your diploma gives exponentially diminishing returns the further out from your graduation date that you get. Its job performance that becomes important (yes exceptions exist).

    I dont think anyone was arguing that todd's situation was super common or the expected normal. Just that its not outrageous, or unobtainable if you play your cards over 20+ years intelligently, with discipline, and manage to avoid some bad luck along the way you could have 1.1mil in total investable assets. It doesnt take an ivy league degree or rich parents, and it sucks that is the kneejerk assumption. Financial success is a lot more possible than i feel like many of my liberal compatriots (and paradoxically the MAGA contingent) believe these days. Too much woe is me and blame-game, not enough competitive fire to succeed (as a general observation, not to say that some structural issues do not exist).
    In other words, don't ski.

    The world is perfect. Appreciate the details.

  17. #14392
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    I don't get why people go for a business undergraduate degree.

    Real case. Boston, degree in business, got a material job out of college for 53ka year.

    Engineering degree, 80k first job of of college.

    Is it because a business degree is easier?

    Sent from my Redmi Note 8 Pro using Tapatalk

  18. #14393
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    Or maybe Todd chucked a few grand into GME back in July and cashed out in April?
    Or maybe todd is exceptionally skilled at cocksucking while not being addicted to hard drugs. Et Voila!
    It's a war of the mind and we're armed to the teeth.

  19. #14394
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    Quote Originally Posted by rod9301 View Post
    Is it because a business degree is easier?
    Probably. Engineering wasn't even on my radar when i went to uni in '89. As in it never crossed my mind, from what I recall.

  20. #14395
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    Quote Originally Posted by rod9301 View Post
    I don't get why people go for a business undergraduate degree.

    Real case. Boston, degree in business, got a material job out of college for 53ka year.

    Engineering degree, 80k first job of of college.

    Is it because a business degree is easier?

    Sent from my Redmi Note 8 Pro using Tapatalk
    Most people going for a business degree couldn't pass the "easier" engineering class. Heck...plenty of engineering students can't either....which is why they are "weed out" classes. I bet a lot of them switch to business.

  21. #14396
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    Well, regardless, it's a funny meme.

  22. #14397
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    Quote Originally Posted by AdironRider View Post
    Someone should tell Yale their degree just isn't what it used to be.

    While I agree there is a lot of woe is me negatively and that does not help, you at least need to set realistic goals to achieve / state. Work hard and play your cards right and sure you will be comfortable, but 1.1 liquid is a whole hell of a lot more than comfortable at 40 years old.

    The Todd example without help from home or blind luck is .1% territory and if you don't know that you clearly didn't work for it.
    IDK, todd looks mid 40s, with a wife about the same age. Is 500k in investable assets for todd alone more realistic for you? Because that is what is being said here- folks just keep glossing over the fact his wife was considered an equal financial contributor in all these examples (the horror!).

    Also, the top 1% has a networth of 4.4mil. So, owning 1.1 "liquid" and lets say another 300k in RE equity, puts todd and wife around one third of what it would take to be in the 1% in their mid 40s. Again, not that outrageous, and certainly not close to 0.1% territory by any metric (he'd have to be earning around 2mil/yr to qualify based on income fyi).

  23. #14398
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    Quote Originally Posted by rod9301 View Post
    I don't get why people go for a business undergraduate degree.

    Real case. Boston, degree in business, got a material job out of college for 53ka year.

    Engineering degree, 80k first job of of college.

    Is it because a business degree is easier?

    Sent from my Redmi Note 8 Pro using Tapatalk
    I got an engineering degree, and didnt start making 80k till my 4th year in the industry after switching companies and talking my way into a position i was way underqualified for haha. We certainly do not hire graduates even close to 80k/yr here in the seattle area. You might want to specify which type of engineering youre talking about though haha. But yes, the dropouts from the first year of engineering undergrad either go to business or construction mgmt IME.

  24. #14399
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    todd is an imposter…

  25. #14400
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    Quote Originally Posted by californiagrown View Post
    I got an engineering degree, and didnt start making 80k till my 4th year in the industry after switching companies and talking my way into a position i was way underqualified for haha. We certainly do not hire graduates even close to 80k/yr here in the seattle area. You might want to specify which type of engineering youre talking about haha. But yes, the dropouts from the first year of engineering undergrad either go to business or construction mgmt IME.
    If you are an EE I can confirm $80K to $100K for a BS/MS out of school at any major company. More if you are a PhD or in the bay area or working FB/GOOG/APPL especially in bonus stock perks.

    Could be more lately with job crunch...last I was in the know was 3-4 yrs ago.

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