I'm debt free and everyone thinks I'm poor and doing poorly. It's all about perceived viewpoints. I have more money saved than most of my family and friends and I get the least amount of respect.
People don't seem to understand zero debt and a healthy investment account balance. All many people can see is bling, the more and the shinier the better. And that's all junk.
The only debt I have is my house, and my parents think I'm loaded but truth be told I barely have any cash just assets. I've been contemplating on selling some assets to pay down the house but at the same time I feel it's better not to
Hahaha. Well said. There are people who get a 4 year degree in sports management or liberal arts or theatre and wonder why they can’t make good money while buried in student loans. On top of that, these same people get a masters or PhD and rack up more debt.
This caller makes me feel unmotivated. Be careful who you are around. I graduated 2015 with a BBA in Supply Chain Management from a big private school. 60k in debt. First entry level job at 45k right out of school. Second job 60k. 3rd 70k paid of my loans. 4th 80k and I'm at 110k as a Panda Express Manager. Now 31 working on paying off the house.
Yeppers … as in yes. When I’ve come into relatively small sums of money, surprise, surprise, there have been people with their hands out who needed a “loan” for … ahem … exactly the amount I had accumulated. Incredible how the world works, ain’t it?
@@penguinvic9892I helped coach a friend out of debt, I stressed to her the importance of not telling her family about her emergency fund as they were all so badly financially entwined, as soon as anybody had money they were distributing it around the family
I've heard this from my circle - I don't want entry level. But you ARE entry level - start! Climb! Go! I had to take a pay cut to get into my field, and now I'm well-off. You can't make every decision based on the short term.
I wish colleges, my parents, or even high school had explained this or set that expectations. Got a degree as a network engineer and got rejected from about 100 Network Admin/Engineer positions...couldn't understand why. Almost gave up...eventually just took a job at a computer repair shop and 2 years later I was a Systems Admin for a small business that head hunted me after I did work for them. 10 years later I'm doing extremely well. You need to start below your education...it's counter intuitive but it's the truth.
Exactly some people don't get it! I was working full time when I got my associates degree back in the early 90s. I was making $15 an hour at a company that made rollers for ink presses. I interviewed and was offered a drafting job for $9 an hour. I went in and spoke to the owner of the company I was working for to get his advice. He told me to take the job! He wrote me a letter of recommendation and told me if I ever needed a job to come back but he never wanted to see me again. It paid off i'm not wealthy but I make a good living. Kids today want to start at the top.
@@penguin12902 For what it is worth, I'm 52 and have 30+ years of network architecture experience. I'm now in advanced cloud networking and have had >25 certifications during my pathway. From baud and x.25 to global virtual infrastructure-as-code networking. Good to meet another enthusiast :)
Listening to this makes me realize that for all the mistakes and screwups I made when young...things didn't turn out so bad after all. In debt, yes. But means to escape, also yes. There is hope.
📌 TA is all well and good but I find it truly baffling that all major stocks you tubers just look at pure TA and completely Ignore the bigger narrative of why stock Is pumping and why the future outlook might not be as rosy as it seems. Alot has changed and that's about it, but the truth is that I don't even care much about the bull or bear market anymore because *Norman Vitalii* covered me while I'm doing comfortable. 2.3 BTC per month
The financial strategies employed by Norman Vitalii are truly remarkable. Their ability to navigate market trends and provide sound financial advice has resulted in significant wealth accumulation.
There are many people that are doing better than me. I try to ask them things to learn from them and be better. No reason to be jealous. Most of them are glad to tell me.
Caller-Please listen to Uncle Dave. You have a degree, so figure out where you want to be, and follow that path. First thing is do anything to get your foot in that door. Play the long game. Good luck!
Yeah they obviously don’t understand the job market. “Entry level” jobs aren’t just handed out basically anymore, people with a lot of experience are applying for “entry level” jobs because of the bad job market and those people will get hired over somebody with no experience every time
Right. It’s not easy just to get an entry level job but it can be done. Just have continue networking (with people in that industry ) in anyway you can
@@lonnieswag100 agree, even a entry lvl on my team needs some kind of relevant experience. I feel bad when I go through resumes that have a degree with nothing but those part time retail jobs, they’re immediately disqualified.
I’m 60 getting ready to retire to Mexico’s pacific coast in about 12 months. I’ve been through everything this gentleman is talking about. Left the Army as a Military Police commissioned officer in ‘94 to a 2nd shift production supervisor in a frozen pizza manufacturing facility. Some 30 years later after several mistakes, different jobs and some sacrifice, have put together about $1M in retirement funds as well as another $1M in paid off rental properties. Life is not easy. It’s a marathon and not a sprint. It is possible.
That’s how I felt after I graduated with my BBA. Couldn’t find a decent entry lvl mkting job at 21, thankfully I was a great saver & paid off all my tuition at that point. It was the only year I was completely unemployed since my first job at 14. I felt so lost. Finally sucked it up and got an office admin job, used that company’s tuition reimbursement to get my MBA….after that I got another entry lvl to get my foot in the door of a corporate job…8 months into it I was offered a business analyst job in the same department…that’s been my career path for the last 14 years.
Not exaggerating when I say that most marketing majors struggle finding a job. I know a ton of them currently unemployed after almost a year of graduating and they all had at least 2 internships. It’s just not a good degree from an ROI and opportunity perspective
@@ballinforlife9 I’m not surprised. I think it is especially hard to get such a general degree with no relevant experience. I definitely would do it differently.
@@ballinforlife9 You can't judge degrees by cost and salary only. A marketing major wasn't going to study electrical engineering or do well in pre-med. Probably their other options were not going to college at all. You don't see hardly any Princeton grads with Marketing and Management double majors.
@@ballinforlife9recently had a friend graduate with a marketing degree and she was crying hard before her graduation because everyone with different degrees found jobs and she didn’t. Knowing her I know she’ll be okay but it’s tough finding a job out here. This is in NY at that! My brother is even struggling finding a job in engineering but he finally got an interview with Tesla!
I had to stop listening to Dave's radio show years ago because all the "debt free" folks would be out of debt i. Like six months to a year. Took my family a decade. We didn't have a huge amount of debt, but a lot of hard times.
I graduated from college in 2001... and got an administrative assistant position, which is entry-level. But my boss told me that 8 years before, SHE was the administrative assistant who answered phones and made photocopies. People - degrees haven’t been the golden ticket for generations now. Companies want experience, not pieces of paper. Find out were you want to work, and just get your foot in the door. It’s going to take you years to work your way up anyway.
@@katiejon17 agree! I couldn’t find a decent job with my degree & no relevant experience, but I got my foot in a Fortune 500 as an Admin with an MBA, less than a year, I was poached by an executive to fill in a vacant position on their team which gave me a career path. Now making $125k.
I'm in management in the sciences (pharma) and actively discriminate against people with STEM degrees. Truth is, you don't need a degree to work in a lab, you need some instruction, sure, but I've found if I spend a couple weeks training a high school graduate on a process they're typically more knowledgeable about the science than someone with a BS or even MS. I have 2 MS degrees and have no respect for academia.
I graduated from the Highest median starting salary from a public university in the USA. My first job was $100K/yr in 1980. Overseas, tropical diseases and light sniper fire. The engineering education was Free, paid by an alumnus Paper? How about a plate of Silver. I
At 26, I was living a financial fantasy in my head. Good for this guy to call in and have the awareness to know he’s got to change and save. -gotta love when Dave uses DADGUM to motivate. I think it’s my favorite. 😂
My husband and I were debt free individually and combined just before we got a new car. We’ve been hammering away at that debt like a pair of insane Spartans even though we’ve only had the car 4 months so far. We’re saving for our first place and don’t want to have to deal with a car note the same time we’re paying a mortgage. We don’t talk about our wealth to anyone else, we keep it to ourselves because it’s not a race against them.
Yes! I'm celebrating £32K stock portfolio today... Started this journey with £3K.... I've invested no time and also with the right terms, now I have time for my family an…
Every marketing professor ever will tell you straight up that you’re not going to get a marketing job straight out of school. Most of them worked their way up with entry level roles, especially in sales.
I'm so happy I made productive decisions about my finances that changed my life forever,hoping to retire next year.. Investment should always be on any creative man's heart for success in life .
Thanks for the advice! I'm new to financial planning and wasn't sure where to start. Any tips on finding a reliable financial adviser or resource to guide beginners?
As a beginner, it's essential for you to have a mentor that is verified by finra and SEC to keep you accountable. I'm guided by a widely known financial consultant Stacey Macken
When he said that he doesn’t know what he’s been doing the past “4 years”. Most of us felt a little stuck and discouraged 2020 during the pandemic. This has to be considered
I worked in Digital Marketing for over 7 years - there are SO many free resources online. This guy has no ambition and drive. Just hopes and dreams. Americans really don’t realise how easy they have it.
@@siva47931 I know you are predisposed to not like it...but still watch for some reason, but the baby steps aren't all that easy and can actually work- they take decades to pay off and any program that works usually does,
@@siva47931the baby steps will absolutely bring you financial peace. I don’t even follow them myself, but reading through them, anyone who follows it will absolutely be debt free and living a peaceful low-risk life
@@siva47931 Really? So you think being debt free and saving/investing for 40 years is a lying strategy? Tell me again you're a fool without telling me you're a fool.
@@siva47931 How to tell everyone you're a fool without saying you're a fool. That's really good. A method that gets you out of debt, keeps you out of debt and encourages you to save/invest, you think is a lie? This was one of those comments that would have been better left unsaid. Better to be thought a fool then prove it is true.
I got a marketing degree 10 years ago and really struggled to break through. I ended up doing things I didn’t love and I’m still doing that, but at least making some money
I bought the same lie. Many years after graduating with over 100K of debt I’m pursuing digital marketing, a field absolutely unrelated to my degrees, and a year after I really get into it I can’t get in the field. I’ve input over 400 apps and started seeing the same job posts I’ve either been ghosted on or have rejected me. I empathize completely with where he is but I’m still inputting apps. I only need that one “yes!”
I feel for guys like Nate. They didn't find true experienced career mentors to tell them what they actually have to do to have success in a career. They just listened to a guidance counselor and They probably either didn't listen to their parents (often the case) or their parents were clueless. I hope he gets some good mentorship around him
My guy NEEDS to go listen to every one of Aaron Clarey's videos, NOW! His advice is just the thing a stuck young man needs to hear. This caller could have been me 15 years ago.
I appreciate someone else who feels like they're drowing in debt while surrounded by people who arn't, and trying their best to work things out emotionally with this concept. Not easy at all, not simple either, and im sure it'll work out in the end. We got this Nate!
You CAN do it! Every generation has hurdles to overcome. The pandemic and beyond is yours. Persistence is key and you'll be able to tell your grandkids how you had to work through the economy going south and having to work lots of hours to pay off your enormous student loan debts and come out the other side victorious. And while you struggle, you are also working to change your family tree. You got this!
One Christmas night, I over heard my sister in law suggest to my mother in law that the next year we should draw names for gifts. She was trying to be helpful. She said that my husband and I were 'not in the same boat (financially)' and they were thought it would be easier for US. We drove used cars, had a small house, and had no debt. Still do! She drove new cars, bought everything in sight and has dozens of maxed out credit cards and she thought we were poor.
When I started working in the IT field I had a degree, All that degree did besides teach me a bunch of stuff was to get my foot in the door. It doesn't matter what kind of degree you have you have to do the grunt work to get your foot in the door. Yes he should have gotten an internship. and GOOD schools actually help out with that. Once I got my foot in the door and got experience, got certifications, and worked my way up I was making good bucks by the time I retired. And yes an internship is a great way to get a foot in the door. At my last workplace we had paid internships for students going to college in the IT field. Many of those guys progressed to becoming full time regular employees after they finished school. Those interns were doing basic level one help desk duties, but now some are managers, others are programmers, some are project management, you name it. But the bottom line is you always start out at the bottom. Even doctors when 1st starting out are interns and not making much money (especially with the student loans they have to pay off), but they work their way up, decide where they want to specialize in, keep learning, and eventually end up with a comfortable life. It is never easy as people make it out to be.
i did my bachelors in engg in south east Asia 15-20 yrs ago. 4 years costed me $5000, came to the US, got my phd and landed a six figure job after grad school 11 yrs ago.. 0 student debt.. Americans should consider attending college outside US and then do grad school in US.. avoid taking a student loan
Yes, no one in America knows you can go to places like Germany or other European countries and get an almost FREE education, some schools are even 100% in English… I only know this through friends and coworkers from Europe, this information is hidden to Americans.
Norman Vitalii’s advice has been a blessing. I’ve been able to donate to my favorite charities more than ever before. I even started a community garden with my profits!
Don't be jealous. Just get to work. Make sacrifices. My wife and I put focus and a lot of effort into becoming debt free. it's been such a blessing, but it wasn't without sacrifice.
Go see the Marine recruiter. I did almost 60 years ago. If physically qualified, you could become a Naval Aviator, a fighter pilot. After that, you never have to explain or apologize for your life again. I also got grad school along the way because they need skills that those who have them won't enlist with.
Go Army all the way. I joined when I was 18, I am finally retired at 38, met great friends all over the world, GI Bill paid my college degree, no debt, and now life is beautiful; thanks to God, Country, the Army, and my efforts. Don't be afraid, one must go through the trials and tribulations before the grass is greener on the other side.
So many people (especially young people) think that they should be able to get their dream job and never really have to put in any effort and that every day will be fun. Like Dave said, they thought success would come easy. This guy is $100K in debt but doesn't want to work in the filed in which he incurred the debt for. That's like spending $100K to buy a big rig then finding out you have to drive all over the place with long hours, dealing with crappy traffic and boredom, and when you get home you have to do preventative maintenance on the rig so now you get a job flipping burgers and complain that you have to pay the truck loan. That would actually be a better situation than the caller is in because you can at least sell the truck. He can't sell his degree!
I am fortunate I made productive decisions that changed my finances (gathered over 1M in 2years) through my financiaI planner. Got my 2nd house in Feb, and hoping to retire nxt yr.
I agree. The company I work for has a warehouse in Ashland (10 miles north of Richmond) and I could move there from western New York to do the same job, but it would be hard to find affordable housing. Rent and home prices are pretty high there.
LMAO. i got an accounting degree, during that time i took One Marketing class. The teacher was boring, the book was basic stuff and half the kids never came back after the first break.. Marketing is basically sales. you don't need a degree. Go do Verizon customer service, then get promoted to sales after a couple years and make Easy Commissions. Everybody wants phones.
"Persevere and lean into this." - Dave Excellent advice! I am by no means the most skilled in either of my endeavors (software programming and real estate investing), but as I made mistakes, I stuck with it, learned, and after 20 years became an "overnight success"! The ability to stick out a plan through hard times is what often separates the successful from the "would have beens".
You could easily make $40,000-$50,000 working for Fed Ex or UPS without going to college, you would actually make much more once you get a driving position in either of these companies. People making stupid decisions about education.
I wouldn't say "stupid," I'd chalk it up to their vanity. A kid would rather be $150,000 in debt and earning $45,000 as a "scientist" than no debt and earning $45,000 as a UPS driver.
Trade school or military. My nephew is an electrician making about 100k no student debt. My cousin did 4 years military, he’s a police officer making over 100k with some OT of course. College is good, but is NOT the only option.
@@user-bm6wu9zw9mI was in the military, got a bachelor's degree with tuition assistance and the GI Bill. No student loan debt and because of my VA disability rating I do not have to pay property taxes on my home.
You'd be amazed at what you can do out there with no overpriced degree. The lies we were fed about education are being exposed these days. Don't go to school because someone told you that's what you're supposed to do. Unless you're going for a very specific reason like medical school, engineering, law school, these types of degrees like this guy has are almost worthless.
Good suggestions. Too many people there going to learn everything they need to know by going to college. You learn the principles, but it is up to you to get practical experience.
Attention all young people: YOU HAVE TO DO THE TIME TO GET THE HIGHER DOLLARS. DO IT! You will not regret it. It's a time investment, and all we have when we are young is time.
Find a company you want to work for and get a foot in the door. I applied to the same company 8 times to get my first marketing job, if you want it enough you'll get it Nate!
Don’t compare yourself with others unless you compare yourself with the difficult and painful parts of their life as well. The whole package. Once I do that, I wouldn’t trade places with any of them.
This guy IS MARVELOUSLY inarticulate! Good luck with marketing, dude. I think it's incredible, how I can respond to folks in my own thread (below), and those are taken out. Hey, if analysis of a service or product, the presentation of that can be conveyed to a client, and then to the buying public, by this kind of inarticulate person, marketing has truly gone to hell.
You don’t have to be highly articulate to work in marketing. SALES is customer facing and demands excellent communication skills. Marketing is more on the content creation and data collection/analysis side
@@KiingM Huh! So being able to understand a product and convey its utility to potential clients, isn't key to successful marketing? Okay, gotcha. How the world has changed!
@@charisginn6932 That is news to me! So, you're suggesting that an accurate assessment of a service or product, recognizing its potential and being able to convey this to both the client and potential customers, isn't of key importance then?
If you are looking for an entry level job in marketing, you have to have at least five years of relevant experience just to get an entry level position and no entry level position is going to pay over $50,000 for the position. The only way you get experience in marketing as a college student is to volunteer and perform marketing work for nonprofits and school clubs because the volunteer work helps you get the internships and the volunteering and internships helps you get the entry level job.
Sometimes Dave's advice is like: "If I were in your shoes, I would start a world class marketing company called Prestige Worldwide where in the next two weeks you are making 350 million per year. Put liquid paper on a bee if that's what you need to do to get started." Great. Thanks Dave.
Even with a business degree you still need to work and get experience ,nobody is just gonnna say oh a degree here is 100 grand person who never actually worked
I was told I had to go to college when I got out of high school in 1999 if I didn’t want to flip burgers. I flunked out of college at 18, worked at a warehouse and got my CDL and started driving truck. Truthfully, you need a work ethic and to not settle at jobs and companies that don’t respect you and know your worth. Now I’m 42 with a wife and 2 kids, I work about 50 hours a week, make $90k a year with the opportunity to make more if I ever want to work it. No consumer debt and a mortgage that will be paid off in 5 years. You don’t have to follow the path your originally thought and you don’t have to do what others tell you is best. Find your own way.
I was just talking to some friends about this topic: perseverance and work ethic. He should work 40+ hours to earn money then another 25+ hours acquiring digital skills. Google, FB and others offer free courses in digital marketing, advertising, and targeting. Until he is where he wants to be financially, every week will be 65+ hours minimum.
We were poor, but debt free, but we kept the debt free status by living with other people or on other people's property for the first seven years. When we started renting, we rented the cheapest place we could find. We finally bought property when we had been married for 20+ years. It didn't have much of a house, but we didn't really care. We will build a new house, when we have the cash to build it. I will do the design, because I know how to do it. The point is: being debt free is not an easy road, especially when you have $10 left, after you pay the JP. We wound up with a business that neither one of us had the background for, and it worked out perfectly for us. Why? Because we have God's help.
I saw a person with a degree get passed up on a management position because the young lady without a degree, had management experience in a previous job at a Dominos Pizza when she was a few years out of high school.
I started stocking store shelves and after working my way up ended as VP of marketing. There are lots of intro jobs in marketing...get off your ass and start at the bottom if you have too.
I graduated with a marketing degree and I couldn't find a marketing job for 2 years. I had a few freelance gigs and got certifications to help. I had to take a job in sales and luckily got into tech sales. Marketing is a popular degree for women and unfortunately if men and women are going for the same job the woman gets it 95% of the time assuming all else is equal.
My buddy got a data analytics cert from Coursera and since he could talk about the projects he did in that course during interviews, he landed a pretty solid job without a college degree
This is a real problem. There are a lot of industries these days that the “entry level” jobs require 2-4 years of experience. So fresh college graduates are stuck needing experience but no one will give them a job to get experience. Dave is right that college grads are often lied to with promises that they will have no problem finding a job after graduation. It’s not often the case. But that’s a big problem in my opinion
I'm curious, what did Dave pay George as an intern? He actually did have some good advice at the end; you have to constantly adapt and improve in this world. That even means realizing that your degree wasn't the best idea and working from there, being in debt and wanting to be financially free and happy. How to adapt when what you thought would work doesn't..
I studied finance and all those models and math. Yet I was shocked that most of money in investing is made by few calls you "don't talk about". Is my degree useless ? I don't feel so, but there is a big difference between real world and books.
I'm debt free and everyone thinks I'm poor and doing poorly. It's all about perceived viewpoints. I have more money saved than most of my family and friends and I get the least amount of respect.
You are laughing your way to the bank. Let them think whatever they want, you know the truth.
Coz u r stronger, smarter and better than those guys
People don't seem to understand zero debt and a healthy investment account balance. All many people can see is bling, the more and the shinier the better. And that's all junk.
How you kno you have more money saved then most of them
The only debt I have is my house, and my parents think I'm loaded but truth be told I barely have any cash just assets. I've been contemplating on selling some assets to pay down the house but at the same time I feel it's better not to
The irony of a person with a marketing degree that feels like they've been lied to...
Hahaha. Well said. There are people who get a 4 year degree in sports management or liberal arts or theatre and wonder why they can’t make good money while buried in student loans. On top of that, these same people get a masters or PhD and rack up more debt.
What a great idea---get an easy degree because it's easy. Too bad it is a useless degree.
🫢😂😂
That's so funny. It took me a moment to get it. Thanks for my first laugh of the day.
I graduated with a communications degree and I now work for the city. Zero student loans, debt free. Guess I got lucky.
The trick in life is to learn to not look in sombody else's bowl to see if there is enough in your own.
Yes, one of my favorite sayings is “focus on your own dog bowl” 😂
I like to say my shack is paid for is your mc masion paid for the look on peoples faces
Norman Vitalii’s guidance has been invaluable in managing my startup’s finances. I never thought I’d be able to double my investments in just a year!
I bet he won't be jealous when he eventually becomes debt-free. He'll be thankful he went on this journey
This caller makes me feel unmotivated. Be careful who you are around. I graduated 2015 with a BBA in Supply Chain Management from a big private school. 60k in debt. First entry level job at 45k right out of school. Second job 60k. 3rd 70k paid of my loans. 4th 80k and I'm at 110k as a Panda Express Manager. Now 31 working on paying off the house.
Wait, panda express pays 110k? Why not work at chick fillet?
That’s great money for a Panda Express manager. I had no idea they pay like that! Good for you on becoming debt free and all!
It's hourly so if you work 50-55 hours and make a little bonus it's very doable to make 100+.
Do you need a supply chain management degree to be a PE manager? Why did you not go into procurement?
So panda 🐼 does pay $110,000 like their advertising says.
Orange 🧡 Chicken is good.
I'm debt free but act like the other 99% of people in debt. Never let anyone know your moves.
Yeppers … as in yes. When I’ve come into relatively small sums of money, surprise, surprise, there have been people with their hands out who needed a “loan” for … ahem … exactly the amount I had accumulated.
Incredible how the world works, ain’t it?
💯
@@penguinvic9892I helped coach a friend out of debt, I stressed to her the importance of not telling her family about her emergency fund as they were all so badly financially entwined, as soon as anybody had money they were distributing it around the family
You act like 99% of others in debt? As in you spend on shit you don’t need?
I was wondering what that meant, as well
I've heard this from my circle - I don't want entry level. But you ARE entry level - start! Climb! Go! I had to take a pay cut to get into my field, and now I'm well-off. You can't make every decision based on the short term.
I wish colleges, my parents, or even high school had explained this or set that expectations. Got a degree as a network engineer and got rejected from about 100 Network Admin/Engineer positions...couldn't understand why. Almost gave up...eventually just took a job at a computer repair shop and 2 years later I was a Systems Admin for a small business that head hunted me after I did work for them. 10 years later I'm doing extremely well. You need to start below your education...it's counter intuitive but it's the truth.
Exactly some people don't get it! I was working full time when I got my associates degree back in the early 90s. I was making $15 an hour at a company that made rollers for ink presses. I interviewed and was offered a drafting job for $9 an hour. I went in and spoke to the owner of the company I was working for to get his advice. He told me to take the job! He wrote me a letter of recommendation and told me if I ever needed a job to come back but he never wanted to see me again. It paid off i'm not wealthy but I make a good living. Kids today want to start at the top.
@@penguin12902 For what it is worth, I'm 52 and have 30+ years of network architecture experience. I'm now in advanced cloud networking and have had >25 certifications during my pathway. From baud and x.25 to global virtual infrastructure-as-code networking. Good to meet another enthusiast :)
Listening to this makes me realize that for all the mistakes and screwups I made when young...things didn't turn out so bad after all. In debt, yes. But means to escape, also yes. There is hope.
📌 TA is all well and good but I find it truly baffling that all major stocks you tubers just look at pure TA and completely Ignore the bigger narrative of why stock Is pumping and why the future outlook might not be as rosy as it seems. Alot has changed and that's about it, but the truth is that I don't even care much about the bull or bear market anymore because *Norman Vitalii* covered me while I'm doing comfortable. 2.3 BTC per month
Norman Vitalii’s investment strategies are incredible. I’ve always loved art, and thanks to them, I now have my own art studio!
This kid is young. He’s at least aware of his situation, unless most at his age.
Unless what?
"unlike" but yes I agree
Kudos to him for asking for help. That's wisdom.
The financial strategies employed by Norman Vitalii are truly remarkable. Their ability to navigate market trends and provide sound financial advice has resulted in significant wealth accumulation.
Quiet bot
With Norman Vitalii’s help, I’ve been able to contribute to our family’s financial stability. I’ve started a small home-based business making crafts.
Might wanna get on the *Norman Vitalii* train, the proprietary nature of it deters me as a crypto enthusiast but also interests me as an investor
There are many people that are doing better than me. I try to ask them things to learn from them and be better. No reason to be jealous. Most of them are glad to tell me.
That’s the issue, jealousy! A jealous person will never get ahead.
Our Pastor reminds us, "Leaders are lifetime learners".
Caller-Please listen to Uncle Dave. You have a degree, so figure out where you want to be, and follow that path. First thing is do anything to get your foot in that door. Play the long game. Good luck!
When the caller is a run on sentence
The caller is a sentence?
@@amireallythatgrumpy6508 The caller is a sentence, is a sentence.
Haha, This is how a lot of people in Richmond speak... Trust me.
Yeah they obviously don’t understand the job market. “Entry level” jobs aren’t just handed out basically anymore, people with a lot of experience are applying for “entry level” jobs because of the bad job market and those people will get hired over somebody with no experience every time
Ken needed to be on this call
Right. It’s not easy just to get an entry level job but it can be done. Just have continue networking (with people in that industry ) in anyway you can
@@lonnieswag100 agree, even a entry lvl on my team needs some kind of relevant experience. I feel bad when I go through resumes that have a degree with nothing but those part time retail jobs, they’re immediately disqualified.
Yeah they don’t
What bad job market? Didn’t Biden create 8 million jobs? (Said sarcastically)
I’m 60 getting ready to retire to Mexico’s pacific coast in about 12 months. I’ve been through everything this gentleman is talking about. Left the Army as a Military Police commissioned officer in ‘94 to a 2nd shift production supervisor in a frozen pizza manufacturing facility. Some 30 years later after several mistakes, different jobs and some sacrifice, have put together about $1M in retirement funds as well as another $1M in paid off rental properties. Life is not easy. It’s a marathon and not a sprint. It is possible.
Entry level in Marketing is 30K, sometimes 35K… the people who “start” at 40K have experience already.
That seems awfully low. You can make more than $30k working fast food.
@@darylfoster7944 it really is! That’s why it was so shocking. Companies know they can pay Pennie’s cause it’s an over saturated degree.
That’s how I felt after I graduated with my BBA. Couldn’t find a decent entry lvl mkting job at 21, thankfully I was a great saver & paid off all my tuition at that point. It was the only year I was completely unemployed since my first job at 14. I felt so lost. Finally sucked it up and got an office admin job, used that company’s tuition reimbursement to get my MBA….after that I got another entry lvl to get my foot in the door of a corporate job…8 months into it I was offered a business analyst job in the same department…that’s been my career path for the last 14 years.
Not exaggerating when I say that most marketing majors struggle finding a job. I know a ton of them currently unemployed after almost a year of graduating and they all had at least 2 internships. It’s just not a good degree from an ROI and opportunity perspective
@@ballinforlife9 I’m not surprised. I think it is especially hard to get such a general degree with no relevant experience. I definitely would do it differently.
@@ballinforlife9 You can't judge degrees by cost and salary only. A marketing major wasn't going to study electrical engineering or do well in pre-med. Probably their other options were not going to college at all. You don't see hardly any Princeton grads with Marketing and Management double majors.
@@ballinforlife9recently had a friend graduate with a marketing degree and she was crying hard before her graduation because everyone with different degrees found jobs and she didn’t. Knowing her I know she’ll be okay but it’s tough finding a job out here. This is in NY at that! My brother is even struggling finding a job in engineering but he finally got an interview with Tesla!
Wow it took me from 26 to 42 to become debt free including the mortgage. He shouldn't be upset that he hasn't done it yet when he's just 26.
I had to stop listening to Dave's radio show years ago because all the "debt free" folks would be out of debt i. Like six months to a year. Took my family a decade. We didn't have a huge amount of debt, but a lot of hard times.
I graduated from college in 2001... and got an administrative assistant position, which is entry-level. But my boss told me that 8 years before, SHE was the administrative assistant who answered phones and made photocopies. People - degrees haven’t been the golden ticket for generations now. Companies want experience, not pieces of paper. Find out were you want to work, and just get your foot in the door. It’s going to take you years to work your way up anyway.
@@katiejon17 agree! I couldn’t find a decent job with my degree & no relevant experience, but I got my foot in a Fortune 500 as an Admin with an MBA, less than a year, I was poached by an executive to fill in a vacant position on their team which gave me a career path. Now making $125k.
I'm in management in the sciences (pharma) and actively discriminate against people with STEM degrees. Truth is, you don't need a degree to work in a lab, you need some instruction, sure, but I've found if I spend a couple weeks training a high school graduate on a process they're typically more knowledgeable about the science than someone with a BS or even MS. I have 2 MS degrees and have no respect for academia.
I graduated from the Highest median starting salary from a public university in the USA.
My first job was $100K/yr in 1980.
Overseas, tropical diseases and light sniper fire.
The engineering education was Free, paid by an alumnus
Paper? How about a plate of Silver.
I
I'm sure degrees are worth there weight in gold , to the people that teach and sell them
@@michaelschnepel5000
In Silver
At 26, I was living a financial fantasy in my head. Good for this guy to call in and have the awareness to know he’s got to change and save. -gotta love when Dave uses DADGUM to motivate. I think it’s my favorite. 😂
I find it crazy when you see an entry level position posted on a job website and it says, "experience required".
It probably means someone in the company is earmarked for the position but they are hoping for someone better.
My husband and I were debt free individually and combined just before we got a new car. We’ve been hammering away at that debt like a pair of insane Spartans even though we’ve only had the car 4 months so far.
We’re saving for our first place and don’t want to have to deal with a car note the same time we’re paying a mortgage. We don’t talk about our wealth to anyone else, we keep it to ourselves because it’s not a race against them.
I'm favoured, $27K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America.
You're correct!! I make a lot of money without relying on the government.
Investing in stocks and digital currencies is beneficial at this moment.
Yes! I'm celebrating £32K stock portfolio today...
Started this journey with £3K.... I've invested no time and also with the right terms, now I have time for my family an…
Sonia Duke program is widely available online..
Started with 5,000$ and Withdrew profits
89,000$
Sonia gave me the autonomy I need to learn at my own pace and ask questions when I need to she's so accommodating.
Every marketing professor ever will tell you straight up that you’re not going to get a marketing job straight out of school. Most of them worked their way up with entry level roles, especially in sales.
I'm so happy I made productive decisions about my finances that changed my life forever,hoping to retire next year.. Investment should always be on any creative man's heart for success in life .
Thanks for the advice! I'm new to financial planning and wasn't sure where to start. Any tips on finding a reliable financial adviser or resource to guide beginners?
As a beginner, it's essential for you to have a mentor that is verified by finra and SEC to keep you accountable. I'm guided by a widely known financial consultant Stacey Macken
Stacey demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit
I remember giving her my first savings $20000 and she opened a brokerage account for me it turned out to be the best thing that ever happened to me.
Yes I can believed that, I got victory with her, was so sad after receiving the first pay knowing I invested so low with fear
When he said that he doesn’t know what he’s been doing the past “4 years”. Most of us felt a little stuck and discouraged 2020 during the pandemic. This has to be considered
I wholeheartedly agree
I worked in Digital Marketing for over 7 years - there are SO many free resources online. This guy has no ambition and drive. Just hopes and dreams. Americans really don’t realise how easy they have it.
Anyone who tells you: "All you need to do to be successful" or "5 easy steps"- is lying.
Even worse 7 Baby Steps
@@siva47931 I know you are predisposed to not like it...but still watch for some reason, but the baby steps aren't all that easy and can actually work- they take decades to pay off and any program that works usually does,
@@siva47931the baby steps will absolutely bring you financial peace. I don’t even follow them myself, but reading through them, anyone who follows it will absolutely be debt free and living a peaceful low-risk life
@@siva47931 Really? So you think being debt free and saving/investing for 40 years is a lying strategy? Tell me again you're a fool without telling me you're a fool.
@@siva47931 How to tell everyone you're a fool without saying you're a fool. That's really good.
A method that gets you out of debt, keeps you out of debt and encourages you to save/invest, you think is a lie? This was one of those comments that would have been better left unsaid. Better to be thought a fool then prove it is true.
I got a marketing degree 10 years ago and really struggled to break through. I ended up doing things I didn’t love and I’m still doing that, but at least making some money
Its not what you know but who you know!! marketing is a very broad and competitive field!! Good luck,keep pushing!!
I bought the same lie. Many years after graduating with over 100K of debt I’m pursuing digital marketing, a field absolutely unrelated to my degrees, and a year after I really get into it I can’t get in the field. I’ve input over 400 apps and started seeing the same job posts I’ve either been ghosted on or have rejected me.
I empathize completely with where he is but I’m still inputting apps. I only need that one “yes!”
I feel for guys like Nate.
They didn't find true experienced career mentors to tell them what they actually have to do to have success in a career. They just listened to a guidance counselor and They probably either didn't listen to their parents (often the case) or their parents were clueless.
I hope he gets some good mentorship around him
My guy NEEDS to go listen to every one of Aaron Clarey's videos, NOW! His advice is just the thing a stuck young man needs to hear.
This caller could have been me 15 years ago.
Who?
@katyedwards3935 arron cleary is a former accountant and teaches a minimalistic lifestyle
@@fauxbro1983 Also good self-employment advice.
@fauxbro1983 Gotcha
Who dat?
Where the hell is he finding an entry level marketing job for $50-60000?! They don’t exist
Certainly not in marketing. In IT, yes
...not for you...
Exactly!!! This is a high level income that you should expect in your 40’s, not as a new college grad!!!
In some fields like CS
Dave always acts like people can just find a higher paying job by sheer desire.
I appreciate someone else who feels like they're drowing in debt while surrounded by people who arn't, and trying their best to work things out emotionally with this concept. Not easy at all, not simple either, and im sure it'll work out in the end. We got this Nate!
You CAN do it! Every generation has hurdles to overcome. The pandemic and beyond is yours. Persistence is key and you'll be able to tell your grandkids how you had to work through the economy going south and having to work lots of hours to pay off your enormous student loan debts and come out the other side victorious. And while you struggle, you are also working to change your family tree. You got this!
Entry level these days, they want years of experience.
But these 2 live under a rock.
America is a rock?
@@silentnot4812 But it was a lot easier to get a job back then.
Don’t be jealous, go on the long journey to be debt free that they did.
My brother had this problem. I explained to him they are all probably broke and are living off of credit card debt.
One Christmas night, I over heard my sister in law suggest to my mother in law that the next year we should draw names for gifts. She was trying to be helpful. She said that my husband and I were 'not in the same boat (financially)' and they were thought it would be easier for US. We drove used cars, had a small house, and had no debt. Still do! She drove new cars, bought everything in sight and has dozens of maxed out credit cards and she thought we were poor.
She was right. You have money in the bank and she has negative money in the bank.
"They want digital marketing and I don't know that."
OK. So go learn it.
When they say they want digital marketing, they actually expect demonstrated use of those skills, not just learning said skills.
True that. The market dictates what is desired.
@@justmeandalwaysproud5206no one was born with that experience. You have to get out there and start with an entry level job.
So true, like how did he graduate in 2020 and not learn digital marketing. Does he market via newspaper and telegram?
When I started working in the IT field I had a degree, All that degree did besides teach me a bunch of stuff was to get my foot in the door. It doesn't matter what kind of degree you have you have to do the grunt work to get your foot in the door. Yes he should have gotten an internship. and GOOD schools actually help out with that. Once I got my foot in the door and got experience, got certifications, and worked my way up I was making good bucks by the time I retired. And yes an internship is a great way to get a foot in the door.
At my last workplace we had paid internships for students going to college in the IT field. Many of those guys progressed to becoming full time regular employees after they finished school.
Those interns were doing basic level one help desk duties, but now some are managers, others are programmers, some are project management, you name it.
But the bottom line is you always start out at the bottom. Even doctors when 1st starting out are interns and not making much money (especially with the student loans they have to pay off), but they work their way up, decide where they want to specialize in, keep learning, and eventually end up with a comfortable life. It is never easy as people make it out to be.
i did my bachelors in engg in south east Asia 15-20 yrs ago. 4 years costed me $5000, came to the US, got my phd and landed a six figure job after grad school 11 yrs ago.. 0 student debt.. Americans should consider attending college outside US and then do grad school in US.. avoid taking a student loan
Yes, no one in America knows you can go to places like Germany or other European countries and get an almost FREE education, some schools are even 100% in English… I only know this through friends and coworkers from Europe, this information is hidden to Americans.
Norman Vitalii’s advice has been a blessing. I’ve been able to donate to my favorite charities more than ever before. I even started a community garden with my profits!
Property leasing jobs are some of the worst available
You can't find anything Entry level making 50-60k, especially in Marketing.
Engineering and IT both start higher than that.
I started at 88k with an engineering degree…. In 2014
For marketing, yes you can but in California
Don't be jealous. Just get to work. Make sacrifices. My wife and I put focus and a lot of effort into becoming debt free. it's been such a blessing, but it wasn't without sacrifice.
Go see the Marine recruiter. I did almost 60 years ago. If physically qualified, you could become a Naval Aviator, a fighter pilot. After that, you never have to explain or apologize for your life again.
I also got grad school along the way because they need skills that those who have them won't enlist with.
That's right...just like Richard Gere and Tom Cruise.
Go Army all the way. I joined when I was 18, I am finally retired at 38, met great friends all over the world, GI Bill paid my college degree, no debt, and now life is beautiful; thanks to God, Country, the Army, and my efforts. Don't be afraid, one must go through the trials and tribulations before the grass is greener on the other side.
So many people (especially young people) think that they should be able to get their dream job and never really have to put in any effort and that every day will be fun. Like Dave said, they thought success would come easy.
This guy is $100K in debt but doesn't want to work in the filed in which he incurred the debt for. That's like spending $100K to buy a big rig then finding out you have to drive all over the place with long hours, dealing with crappy traffic and boredom, and when you get home you have to do preventative maintenance on the rig so now you get a job flipping burgers and complain that you have to pay the truck loan. That would actually be a better situation than the caller is in because you can at least sell the truck. He can't sell his degree!
Gave the dude absolutely no advice at all. Amazing
Yep cuz they just believe quality jobs grow on trees
Dave is amazing. How to acquire wealth. “Do This”.
I am fortunate I made productive decisions that changed my finances (gathered over 1M in 2years) through my financiaI planner. Got my 2nd house in Feb, and hoping to retire nxt yr.
Get to her, if you care…
Elizabeth Green Hunts
Kudos.
Great info…
Man 40k at 26 years old is rough. Even for Richmond, VA.
I agree. The company I work for has a warehouse in Ashland (10 miles north of Richmond) and I could move there from western New York to do the same job, but it would be hard to find affordable housing. Rent and home prices are pretty high there.
If he's single then he should be able to get by on 40k. I make 60k as a single person and it's enough for me.
@@BREEZYM6015he should try being a couple living on SS and getting less than $30,000
I lol @ "entry level marketing job pays 50k a year" in Richmond, VA
He should see how two retired people on SS live..less than $30 a year..I’d be happy with $40k
LMAO. i got an accounting degree, during that time i took One Marketing class. The teacher was boring, the book was basic stuff and half the kids never came back after the first break.. Marketing is basically sales. you don't need a degree. Go do Verizon customer service, then get promoted to sales after a couple years and make Easy Commissions. Everybody wants phones.
"Persevere and lean into this." - Dave
Excellent advice! I am by no means the most skilled in either of my endeavors (software programming and real estate investing), but as I made mistakes, I stuck with it, learned, and after 20 years became an "overnight success"! The ability to stick out a plan through hard times is what often separates the successful from the "would have beens".
You could easily make $40,000-$50,000 working for Fed Ex or UPS without going to college, you would actually make much more once you get a driving position in either of these companies. People making stupid decisions about education.
I wouldn't say "stupid," I'd chalk it up to their vanity. A kid would rather be $150,000 in debt and earning $45,000 as a "scientist" than no debt and earning $45,000 as a UPS driver.
Trade school or military. My nephew is an electrician making about 100k no student debt. My cousin did 4 years military, he’s a police officer making over 100k with some OT of course. College is good, but is NOT the only option.
@@user-bm6wu9zw9mI was in the military, got a bachelor's degree with tuition assistance and the GI Bill. No student loan debt and because of my VA disability rating I do not have to pay property taxes on my home.
@@zvmZvm0102 Or maybe being naive and listening to the wrong people. I remember those days...
You'd be amazed at what you can do out there with no overpriced degree. The lies we were fed about education are being exposed these days. Don't go to school because someone told you that's what you're supposed to do. Unless you're going for a very specific reason like medical school, engineering, law school, these types of degrees like this guy has are almost worthless.
Envy is when you want something, Jealousy is when you want to take someone else's something
Because the job market is crap at the moment. Good luck getting that entry-level role.
Good suggestions. Too many people there going to learn everything they need to know by going to college. You learn the principles, but it is up to you to get practical experience.
Marketing and management. What an awesome combo.
Double major in business school??? The only degree worth having out of business school is accounting once you pass the CPA exam.
Yeah, because "One size" fits all 👏👏👏
You don't need to pass the CPA exam, though.
Kamel in with Dave fluffing at the first opportunity.
He and Rachel have a fantastic show together.
What do you think FPU stands for?
@@evr0.904 I know what it is.
Attention all young people: YOU HAVE TO DO THE TIME TO GET THE HIGHER DOLLARS. DO IT! You will not regret it. It's a time investment, and all we have when we are young is time.
Find a company you want to work for and get a foot in the door. I applied to the same company 8 times to get my first marketing job, if you want it enough you'll get it Nate!
Don’t compare yourself with others unless you compare yourself with the difficult and painful parts of their life as well. The whole package. Once I do that, I wouldn’t trade places with any of them.
Just stay the course. Don’t worry about doing it fast.
Debt-free is not flashy. But it’s so much better.
This guy IS MARVELOUSLY inarticulate! Good luck with marketing, dude.
I think it's incredible, how I can respond to folks in my own thread (below), and those are taken out.
Hey, if analysis of a service or product, the presentation of that can be conveyed to a client, and then to the buying public, by this kind of inarticulate person, marketing has truly gone to hell.
Answering questions ad hoc on the air for millions of people to hear is a l.i.t.t.l.e. different from a marketing job.
You need to brush up on what marketing entails
You don’t have to be highly articulate to work in marketing. SALES is customer facing and demands excellent communication skills. Marketing is more on the content creation and data collection/analysis side
@@KiingM Huh! So being able to understand a product and convey its utility to potential clients, isn't key to successful marketing? Okay, gotcha. How the world has changed!
@@charisginn6932 That is news to me! So, you're suggesting that an accurate assessment of a service or product, recognizing its potential and being able to convey this to both the client and potential customers, isn't of key importance then?
If you are looking for an entry level job in marketing, you have to have at least five years of relevant experience just to get an entry level position and no entry level position is going to pay over $50,000 for the position.
The only way you get experience in marketing as a college student is to volunteer and perform marketing work for nonprofits and school clubs because the volunteer work helps you get the internships and the volunteering and internships helps you get the entry level job.
Sometimes Dave's advice is like: "If I were in your shoes, I would start a world class marketing company called Prestige Worldwide where in the next two weeks you are making 350 million per year. Put liquid paper on a bee if that's what you need to do to get started." Great. Thanks Dave.
$100,000 for his degree is not worth it. When are people going to stop doing this to themselves.
Even with a business degree you still need to work and get experience ,nobody is just gonnna say oh a degree here is 100 grand person who never actually worked
I was told I had to go to college when I got out of high school in 1999 if I didn’t want to flip burgers. I flunked out of college at 18, worked at a warehouse and got my CDL and started driving truck. Truthfully, you need a work ethic and to not settle at jobs and companies that don’t respect you and know your worth.
Now I’m 42 with a wife and 2 kids, I work about 50 hours a week, make $90k a year with the opportunity to make more if I ever want to work it. No consumer debt and a mortgage that will be paid off in 5 years.
You don’t have to follow the path your originally thought and you don’t have to do what others tell you is best. Find your own way.
I was just talking to some friends about this topic: perseverance and work ethic. He should work 40+ hours to earn money then another 25+ hours acquiring digital skills. Google, FB and others offer free courses in digital marketing, advertising, and targeting.
Until he is where he wants to be financially, every week will be 65+ hours minimum.
We were poor, but debt free, but we kept the debt free status by living with other people or on other people's property for the first seven years.
When we started renting, we rented the cheapest place we could find.
We finally bought property when we had been married for 20+ years. It didn't have much of a house, but we didn't really care.
We will build a new house, when we have the cash to build it.
I will do the design, because I know how to do it.
The point is: being debt free is not an easy road, especially when you have $10 left, after you pay the JP.
We wound up with a business that neither one of us had the background for, and it worked out perfectly for us.
Why? Because we have God's help.
A marketing and management degree is entry level
They mean nothing in the real world
Internship, “Taken away from me” instead of “doesn’t exist anymore” is such a weak victim mentality.
I’ve started to learn if they’re gonna lie to you I’m gonna lie to them.
I saw a person with a degree get passed up on a management position because the young lady without a degree, had management experience in a previous job at a Dominos Pizza when she was a few years out of high school.
I started stocking store shelves and after working my way up ended as VP of marketing. There are lots of intro jobs in marketing...get off your ass and start at the bottom if you have too.
comparison is the thief of joy.
You got to be creative and standout. Yes, it takes effort and more then a degree. These kids were sold a dream with just graduating. It takes more!
“I didn’t know the.. ehhh uhhh ehhh ummm ehhh nevermind”
I graduated with a marketing degree and I couldn't find a marketing job for 2 years. I had a few freelance gigs and got certifications to help. I had to take a job in sales and luckily got into tech sales. Marketing is a popular degree for women and unfortunately if men and women are going for the same job the woman gets it 95% of the time assuming all else is equal.
LMAO! Dave, the internet was invented in the late 1960s 😂😂
Entry level making $60k😂😂😂. Dave you're out of touch. Not a lot of internships around anymore
My buddy got a data analytics cert from Coursera and since he could talk about the projects he did in that course during interviews, he landed a pretty solid job without a college degree
He should try to get a job as a general manager for a fast food chain, they make between 50,000 - 72,000
This is a real problem. There are a lot of industries these days that the “entry level” jobs require 2-4 years of experience. So fresh college graduates are stuck needing experience but no one will give them a job to get experience. Dave is right that college grads are often lied to with promises that they will have no problem finding a job after graduation. It’s not often the case. But that’s a big problem in my opinion
Even with degrees, you will need to have experiences in order to get high paying jobs. It will probably take about 5 years before you see it.
Ok ..use that marketing degree and market yourself dude
I'm curious, what did Dave pay George as an intern?
He actually did have some good advice at the end; you have to constantly adapt and improve in this world. That even means realizing that your degree wasn't the best idea and working from there, being in debt and wanting to be financially free and happy. How to adapt when what you thought would work doesn't..
I studied finance and all those models and math. Yet I was shocked that most of money in investing is made by few calls you "don't talk about". Is my degree useless ? I don't feel so, but there is a big difference between real world and books.
Worked hard when his majors were marketing and management? Sorry, those majors are nothing like stydying engineering, medicine, law, accounting..
Dave: i hate bitcoin
Also Dave: you need to learn new things, adapt to new ways of looking at things, embrace digital change