Kind of fukked up.

Have had a very mid life.

3 options (none great)

1) Get my CFA and learn to code and live at home for a year while I study and save an extra 50k - then move back into the city (at 29)

2) Get my CFA and learn to code and live in NYC and survive but at the margin not saving much and study most of the week

3) Just learn to code and live at home/NYC. And then basically be free in 6 months instead of 12. The 6 months is also a lot lighter than the hellaciousness of the first two options studying for two things for a year


Turning 28 in 4 months, and need to start feel like I'm grinding. I want hella money saved up, I want to date and have fun times in the city, and I don't know if sacrificing a whole year is worth it. I lived there for 3 years and just moved home - working remote

28 and living at home...

JUST LOL

Learn to code is a meme. Entry level is oversaturated and no one wants to interview some dude who's entire education history is watching yt at home

If i see a resume like that, I'm shouting kobe and hitting the trash can from the 3

fuukkkkk

You'll probably disappointed either way

???

1) Get my CFA and learn to code and live at home for a year while I study and save an extra 50k - then move back into the city (at 29)



do that. Nobody will care if you claim you learned to code when you have no experience. the other option, paying to live in NYC in a shack if all youre going to do is be studying a lot is a waste of money.

Are you actually interested in coding? If you just want money and fun times get a job in sales. Either way you'll be glad you saved the money even if it means staying home for a year. The actual year will suck but looking back you'll be in a better situation. No one will care or know about the journey once things work out. I did something similar when I was 25 or 26 and it changed the trajectory of my life for the better.

fair. so you're advocating for this because of the CFA - is it worth learning to code at all then? (in your opinion)Yeah, I think as far as a career goes, it's what I'd be most interested in. I tried sales, and hated it. Yeah, I completely agree the year is going to suck, and I do think I will feel really nice after a year. Just feels so old to move back, but I guess I have to make peace with that.

fuk part of the reason for this post is bc I had a job as an NFL financial advisor and got fired. Now I feel like it's gonna be harder to chickmaxxxxxx living at home. Literally only benefit is saving money.

Become a luxury real estate agent if you want to make bank.

whats the point of saving money?

maybe youll die tomorrow and at best youre giving up living it up in your younger years while you can still do tons of fun ****

NFL financial advisor -> coding


???

yeah man I didn't want to be a shmuck my whole life. And I want to make $. And work remote

I mean it wasn't intentional. That's why I'm considering moving back into the city. Spend $$ but have more fun on weekends. As opposed to living at home.

Still want to study though. The saving money and studying/career stability could bring so much peace of mind to funmaxx from 29-32. Just don't know if that's too late

open an onlyfans and start jerking off

side hustle can make you 4 figures a month

Brads new alt account?

Make sure you put look at my misc posts on your resume.

I’d get a tradie job instead. You’re going to be miserable as fuk sitting hunched over at a desk coding all day for the rest of your life (ded fkin srs).

https://forum.obnoxiousbrutes.com/showt...hp?t=184465483

I don't think I can live at home. Part of me wants to do option 2.I only want to do it 9-5 so that I can sit hunched over my desk writing and making music outside of work. And then I'll touch grass and learn photography

Have thought about responding to you threads a couple times but have not known what to say. Feel like we're really lacking in information. What makes you want to learn to code? Why the CFA? Why BOTH? Why either? Do you have interest in/potential for these? What's wrong with the current job? Do you not have potential for further growth? How much are you currently saving at home?

I could make guesses on all these questions, but they'd be guesses.



I do have a very similar situation - I'm turning 28 next month, and I just passed 100k myself in my savings (reg+retirement) in the last couple weeks, though I live in Boston throwing $2400 into a pit every month for rent. I work as a software engineer, and my job's ok enough. Make around 140 after my promotion over the summer. Buncha things irritating about my job though, and I know I could make more and do better work at a different company, but I will say that my job is very good about WLB and being flexible, which is important for me given a number of health issues.

I often go back and forth about whether I should apply for remote and move back to the suburbs - either to live with family or maybe to pick a friend to room with. I have a bunch of friends back home who are just stacking up cash. If I want to buy property - either a house in the suburbs or a 2BR in the city - I need to either stack cash or get a way better paying job. My pay will keep going up if I stay where I am, but I'd need a really legit job I think if I want to get ahead of the curve. Could also get married, and maybe two incomes would help out, but I'm single af for the foreseeable future.

I stay living in Boston because I think I do make good enough use of it, and I think I should be able to get ahead of the curve eventually, though it might just be a few years depending on when I job hop. I also don't plan on having kids, so that makes things less urgent for me.

Tradie jobs are back breaking, I'd rather code and work on financial independence

How you gonna chickmaxx is NYC? Cold half the time, overpriced and a bunch of stuck up, caked up annoying guidos. Go travel, go to Mexico or Thailand. Good weather, cheap and girls are 10x better and I'm talking foreign girls not local

hey man, thanks so much for your response and for posing these questions. I want to learn to code, because it's the career that I can see myself liking the most, long-term. I had never really chosen a career intentionally, and have had an underwhelming finance career. I never thought the hours of high-finance were appealing, or rather talked myself out of the work to do it. Instead, I picked PWM, and simply didn't like it, didn't put in enough work to be in the 1% to succeed. The nature of coding jobs suits me, the way I think, and the way that I'd like work to fit into my life. I've had an offer to work for $130k+ to continue my career in finance/sales, but know deep down that long-term it's not for me. So instead, I've chosen a $105k remote financial planning role which gives me more of an opportunity to study and meaningfully redirect my career. The CFA is primarily for pride, to do something hard, finish what I've started, and put a stamp on my finance career. It's partially for downside protection/peace of mind, pretty much assuring me that I'll always eat (grew up poor - always ate), with a finance career as a "backup" as well. It's for pride. I also think that having the peace of mind/sense of accomplishment will free me to take some risks/have fun/pursue things on the side (art) - it's an identity thing that frees me, tangibly.

Having more money would bolster this equation. I can reliably save $3k/month at home. If I live here for a year, I will have 150k+ saved, a CFA/(and CFP), a tech job (hopefully), and most importantly, the time/money/energy (peace of mind) to pursue realistically whatever I want (for me, art). It feels like a rock-solid plan, aside from being removed socially. For this reason, I might just rent a room in the city, (~$1.3k), save a tiny bit less, and go into the city on the weekends to hang with friends and date.

It's really nice to hear from someone in eerily similar circumstances. It seems like you have a good balance of enjoying the present/planning for the future too, financially, but I have the same questions for you. Can you meaningfully save on your current stack? You have the career trajectory in place. What is preventing you from trying to make a jump, without making the sacrifice of living at home (if you consider it a sacrifice)? Is it the flexibility that you can't afford to lose? Do you want to get married soon? When do you want to buy a house - are you worried about the short-term financially, or the long-term?

Sure man, hope you got something out of it. Sounds like you have pretty good reasons for learning to code. Do you have any experience? Do you have any concrete plans with how you'll study and get a job? Regardless, I'd lean towards getting the CFA as well - seems like a small cost to solidify your versatility, and even if you are indeed a good fit for software engineering, it can be a hard field to break into.

And if you're only spending $1.3k on rent, I feel like it'd be hard to justify *not* moving into the city. 15% of your income on rent? That's stillextremelyfrugal. I suppose if you're saving 3k a month though, you're probably cutting your yearly savings of $36k at least in half with the rent ($15.6k), utilities, extra food costs, and whatever other added spending, but maybe it's not time to prioritize spending - maybe it's better that you enjoy your youth while solidifying your career. Then, once you have more solid income, you won't be worrying about a year or two when you passed up on $10-20k since you can then save much more. I think that's a question for you to answer though - do you think you'll be able to save much more after learning to code, getting your CFA, whatever all else? Do you have any savings goals (either rates or outcomes)?Ha, I did double-take at a couple of the similarities of our situations. I have been slowly stockpiling money, though I'd certainly like to be saving more. Feels bad that I often am the cheap one out of my friends though - they'll go for more expensive dinners, events, or vacations. I'm not trying to keep up with the Joneses, but I like them and would like to continue hanging out with them. I think right now, I'm probably saving around $16k (?) a year for immediate usage, and I'm maxing my 401k + have some company matching. Saving $15k a year is definitely a long road to buying a house, but I am planning on that not being my continued rate - assuming no major economic events, I will probably be looking at job hopping late next year.

I choose to delay this hop because of the flexibility I currently have + the stress of all my health issues. Yeah, having more money would make life easier, but things are working ok enough now (and I'm somewhat surprised at that) between saving a bit, affording a good enough lifestyle, and being able to get good and frequentmedical care, so I won't try to fix what isn't strictly broken. Living at home would definitely be a sacrifice lol. Just too much family time, even though I visit regularly still.

I don't really care about when I get married (would probably be fine skipping marriage altogether), though I wouldn't be surprised if one of the next girls I date is someone I'm with a long time. I'm just very much a creature of habit :grin:. Having a second income to help save for a property (or to subsidize my rent) would be great. I'm over roommates at this point, so that's probably my most likely opportunity to lower my housing costs.

I'd like to buy a house/property ASAP just so I can stop paying rent and also live in a place that I can design to my liking. Not too concerned with timing the market or anything like that if that's what you're referring to with long vs. short term. Just sick of landlords foregoing fixes or having janky setups in general, and building equity sounds so nice. Being a "homeowner" would also just be cool - would feel like a nice accomplishment on its own, and I also feel like it'd give me some Value on the dating Market, even its mostly only in my head. As it is, I feel like I've worked hard to develop good career skills that I don't hugely benefit from - I don't live a lavish lifestyle, and I don't save a ton. But I get some good flexibility as I said, which is important for the time being. Just my career doesn't quite feel like a source of pride yet, despite all the effort I've put into it (and I've been gunning directly towards software engineering since freshman year).

P.S. feel free to take your time responding - this feels like a dissertation compared to my usual misc posts. I enjoy the conversation though.

Yeah, the whole goal of this is definitely to put myself in a position where my income is high. That is why I also lean to spending money now. However, I don't think that I would enjoy living year-round in a $1.3k room. Living alone would cost me closer to $2.2k in Astoria (cheaper part of NYC). The room felt like it would be a good balance of living in NJ, and having a permanent place on the weekends. Right now, I do hostels, which is just basically unsustainable and cumbersome, though saves me even more money ($600/month depending on how often I stay).

There's a huge part of me that wants to chuck the CFA. I mean, given my long-term goals, I almost want to say, hey, I missed the boat on the CFA, let's just live in the present and build toward the future, and accelerate my income-earning potential, rather than half-ass both coding and CFA for a year, and then maybe start to ramp up my coding process late next year. I am wavering on securing my downside, vs. just aiming for upside. If I can stomach the risk, it almost feels like the latter is more beneficial with any amount of confidence. But is that me just living in the moment/being short-sighted?

Forgot to answer your first questions. It would be through The Odin Project, a relatively well-reputed self-study online course.
It sounds like you're in a position, like you said, where you are trucking along, saving money, with a pretty decent lifestyle. I asked about the long-term vs. short-term because to me, it seems that you are secure with your long-term prospects, but now I understand that the itch to buy a home is the driving force. How much would you want to put down? How much more would you need to save? It seems like the homeownership is a pretty strong priority for you, and if getting a new job isn't a priority right now, then living at home to accelerate your path seems ideal. Dating is also a good option, and, coming from a place where settling down is still far away/foreign to me, I would feel uncomfortable with saving money being a factor in dating, but at the same time I know that is a valuable/tangible factor that a lot of people rightly factor in.

This is true, sorry bud

Yeah, the coding is the easy part especially now that LLMs are so easy to use. The knowledge you need to effectively intersect hardware and software goes beyond coding and in a lot of cases you need experience doing it. Why would I hire someone who just learned to code at 30 versus an 18 year old who is happy to get paid less?

Do what's best for you man. Fuk what others think

Saving up 50k vs. Living in NYC for a year? The former is way better

I'm a software engineer in NH, work remote and bought a house. If I wanted to be in Boston I could be there in 75 mins ( and I do go a lot for fishing probably more than you would be driving there for whatever you do in the city) might want to consider moving North for cheaper options