Hayatınızı 25 yaşında eğitim almadan yeniden inşa etmek istiyorsanız, yetenek ve 24 bin borç, hala ebeveynlerle yaşıyor, araba, kötü kredi puanı/kredi geçmişi, vb. Ne yapardınız?

7 Yorum

1. KnightCPA

   Ağustos 3, 2025 - 2:47 am

   Minus the debt, this was exactly me at 25. Currently 36M.

   -2013: I went back to school to get a degree in accounting. Went $24k into debt for a brand new car, $24k into debt for student loans (after I was confident on an accounting degree being right for me and needing a reliable car to get to high-paying internships. But before buying the car, I suffered through 2 years of commuting on a $2,600 suzuki sv650s. I waited till the very last minute before needing a car before going into debt to buy one).

   – 2016: Graduated $52k in debt after interest for those 3 years. Joined Big 4 making $52k/.

   – 2018: Paid off my student loans.

   – 2019: Bought a house.

   – 2020: Bought a brand new truck with $0 down at like 2.4% APR.

   – 2022: Paid off the brand new truck.

   – 2025: currently (1) saving up for a second house so that I can gift my current house to my younger brother and (2) allowing my younger brother to live with me for free while he goes back to school. Also for accounting.

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2. OliviaPresteign

   Ağustos 3, 2025 - 2:47 am

   What have I been doing since high school, and what kind of debt is it?

   First step would be to get *any* job. Food service, retail, warehouse, etc. Anything. Apply for dozens of jobs every day until you land one. You can also do gigs like babysitting, dog walking, etc. to earn extra cash.

   Begin to pay down your debt from the highest interest to the lowest.

   Is your city walkable or do you have a good public transportation system? If no, you will need to eventually get a car: do not go into debt for the car. Buy a beater that’ll get you from point A to point B.

   Once you’re in a bit of a more stable place and building some confidence, I’d consider a path like healthcare (patient transport, EMT, nursing) that are high demand with lower education requirements. It’ll depend on what you enjoy and are good at.

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3. UXReveal

   Ağustos 3, 2025 - 2:47 am

   Probably the military, specifically Air Force/Space Force just for quality of life.

   Helps with not having to pay rent and minimum bills as well as being able to have steady income to pay off the remaining debt.

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4. AlternativeTomato504

   Ağustos 3, 2025 - 2:47 am

   Go learn an in demand skill first off.

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5. Emilio-Serna-Galdor

   Ağustos 3, 2025 - 2:47 am

   Save money (factory, manufacturing, which pay better), go back to school (community college is a good start), get a degree (yes, a bachelor’s degree) but make sure you do internships, and at 30, you’ll be proud of yourself. But first of all, start loving yourself. Take care of yourself. Go to the gym, buy skincare and hair products, make friends. Because it sounds like you’re stuck in a deep hole of shame and desperation. I’m there too (or was) so I know how it feels like.

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6. Lost2nite389

   Ağustos 3, 2025 - 2:47 am

   You just described me literally, just a different amount of debt 😂

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7. Background-Middle223

   Ağustos 3, 2025 - 2:47 am

   Following along to unfuck myself at 22🫠🫠🫠

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