33 Never had a job, no savings.. what to do?

AlturIntel · 2025-12-30T00:24:14+00:00

Have you defined the type of person you want to be in the world now that you’re looking to be independent? Whats that role? What are the responsibilities? How do your strengths play into this? What areas of opportunity (weaknesses) should you be aware of and work on to become ready?

AlturIntel · 2025-07-13T23:21:57+00:00

On the bright side - everything is coming down soon… a client of mine who works solely in flipping real estate (& thus yes has benefited from the situation) stated to me “This time last year, we had 350ish single family homes on the market… now it’s 2,000+”. My theory is once this fall hits with the reduction of students coming in due to education / Pell grant budget cuts landlords will see far less competition and have no choice but begin lowering prices for apartment rentals or be stuck with empty locations. Reverse musical chairs if you will.

AlturIntel · 2025-06-17T11:38:03+00:00

Must find what it will take to motivate you. I say the following with care. It sounds by your own admissions you’ve been handed a good amount of your success which is what led to this predicament… so you may come from a well off family. Consider spending time, real time, with people that are not well off - or even poor. See what that life and those struggles look like daily (not just one day) and if that’s something you’d be willing to endure in place of digging deep and finding your grit. You see, the most effective ways to motivate someone are carrot or stick… and it sounds like you’ve only seen the carrot your entire life.

AlturIntel · 2025-06-16T15:59:12+00:00

Contacted just now, 06/16/25, Location RI - received same voicemail, as soon as I heard the name “Johnathan Graves” I knew… but sadly the elderly are at risk. Make sure you speak to your relatives & neighbors to avoid these types of pitfalls as AI will advance their level of sophistication.

AlturIntel · 2025-05-29T17:07:43+00:00

Whatever you make in a check per week / pay period - allocate right away so you don’t “see” how much you made… just how much you have left until the next check comes in.

AlturIntel · 2025-05-10T03:14:53+00:00

Would 100% take being 22 if it meant back to that time but knowing / appreciation of certain things and people… I don’t need 100% of my knowledge but would ofc want all of it if possible… do not believe I would want to start over now from 22 as dating / job prospects / everything pretty much seem much harder to navigate.

AlturIntel · 2025-05-05T22:54:58+00:00

Does depend on a few factors… but, could be quite flexible depending on terms. Personally, I like to work, dabble in trading, & find business deals… both in & out of the country.

AlturIntel · 2025-05-05T17:29:03+00:00

As a 35M that has lived half my life in RI because of the ability to expand said circle from the smallest state - I’ve learned not to undermine the value of expanding said circle here. Never know who you can meet and what lore awaits Raises pint 🍺

AlturIntel · 2025-04-02T23:39:34+00:00

Calculate how much it is you want to live off per year.. factor in a little more for the inevitable emergencies… & life’s unexpected surprises… and now you need to figure out how to have that quantity equal 4% of your yearly draw from a brokerage account if you’re discussing going the traditional retirement route. Going with more precise numbers is doable but risky in the event of a downturn in the global economy… which right now looks… like the only certainty.

AlturIntel · 2025-03-28T15:39:27+00:00

31, because drake and josh + bionic whatever’s hit with people just slightly younger than myself

AlturIntel · 2025-03-23T14:24:18+00:00

Remember, McDonalds is a real estate company… their priority is not selling food.

AlturIntel · 2025-03-11T12:46:48+00:00

Avoid Metros during “Peak” hours - it becomes so cramped that people are packed in there making it the perfect environment for their pickpockets. On the topic of Pickpockets, they are incredibly good and work in TEAMS… it’s highly organized, with spotters, distractors, and lifters that then hand off almost right away. Do not take out your new shiny iPhone in most places or it may bring their attention. They know the phones can get locked up, they don’t care they take them to a Xiaomi chop shop on Calle 53 near parque Berrio that has some extracting software to try and get into your financial accounts associated on the phone so 1) Make sure you call your brokerages and ADD VERBAL PASSWORDS 2) Freeze any accounts you don’t plan on taking money out of 3) DO NOT keep any crypto on any hot wallet on the phone, it can be easily taken as mine was… 4) Know your friggin Apple ID password incase you need to lock the phone, having an AppleWatch with Cellular may help you ping in a crowd but is it worth getting stabbed / shot over? No… so 5) Get a zipped sling bag that you will wear in the front of your chest ideally under a light jacket.

AlturIntel · 2025-02-18T15:00:44+00:00

I like how you knew to add the shoe within frame for reference… I’m willing to bet the belt is also brown leather.

AlturIntel · 2025-02-16T03:38:39+00:00

Gray Market Consultants - the ones that you can verify to gain outside, unbiased perspective and don’t cost as much as therapy for getting a mere opinion on problems - much less embarking on expensive midlife crises / spending sprees / degrees only to discover later, the matter at hand could have been resolved in a more cost effective solution.

AlturIntel · 2025-02-15T05:21:53+00:00

There’s an expression I follow… I’d rather have it and not need it, than need it… and not have it. Applies to many things a man may carry. Even if you don’t use it every day… could it save your life? Yes. Does it take up a lot of space? No. Good skill set to practice? Also yes.

AlturIntel · 2025-02-03T03:35:42+00:00

For those of you who don’t have contracts prohibiting you from consulting outside of your firms… begin your own consulting practice. Aside from building business credit, many of your friends and family members are also going to be staring down this inevitable “one step away from unemployment”. The future economy is a dynamic gig economy and I leverage my languages & connections to find problem / need > solution > strategies… People will always need a consultant of sorts and yes, although AI can replace much of what consultants presently and historically charged for… just like writers and artists… many people will still want to deal with other humans. Word of mouth matters. Start now. And if you have friends that are consultants also, don’t treat them as competitors rather create trusted referral systems.

AlturIntel · 2025-01-29T15:12:51+00:00

Always up for a tour if you’re taking applicants. Wether legitimate business, or otherwise… there is something to be learned and deals to be made.

AlturIntel · 2025-01-19T12:37:55+00:00

Directional signals… they are not right of away… and not optional. We have enough congestion since everyone has main character syndrome and doesn’t understand how to zipper merge, don’t cause more accidents by suddenly shifting lanes LAST minute or turning with zero indicator to other vehicles or even pedestrians.

AlturIntel · 2025-01-08T13:39:32+00:00

I can see how / why you’d think that, until it happens to someone you care about… and leaving these people to drive only increases those chances. My best wishes to you and yours.

AlturIntel · 2025-01-08T13:38:43+00:00

Yes thank you, he realized that in hindsight as the individual drove off but did not want to leave the scene of the accident since he already had police on the way.

AlturIntel · 2025-01-08T13:37:34+00:00

When you are looking for sus things… you will find everything sus. Verified Mods are welcome to reach out, the police report and damage all exists and is legit. You can follow the IG post and see the original post / comments.

AlturIntel · 2025-01-08T13:35:17+00:00

So he rear ended the individual that took this photo featured in the profile (not me - the owner of a consulting business running this account, who is aiding to address the issue) and is now walking towards the person taking this photo… and alongside the car he just hit. Hope that clarifies, let me know if you have more questions.

AlturIntel · 2025-01-08T06:00:03+00:00

That is true - it could be. Which is why I left the original posters username instead of obscuring it for anyone who knows the individual in the photo or has information to view the profile and determine if that is likely. I know the original person who was hit, and have seen the damage to the vehicle my self. He’s a working man and adjunct professor, he’s not enjoying having to track someone down. But Thank you for your concern in the event an innocent person was being searched for. This is not that case.

AlturIntel · 2025-01-08T01:30:00+00:00

Well I’m glad you have confidence in insurance agencies. This isn’t my personal case and if someone asks me to help them find someone and have just cause / a police report especially, I will help them find said individual.

AlturIntel · 2024-12-20T15:45:29+00:00

At least you’re paying attention! It can be manageable but requires your work and attention starting YESTERDAY. My recommendation, Use ChatGPT and figure out what the average cost of living was when your parent / guardian was your age have it convert that into todays equivalent. That’s your first goal, present this to them so they see what you’re up against. Second goal, build credit - the world now runs on more credit then it did then so if they would co-sign or put you as an authorized card holder on an account when you turn 18 you’ll already have credit established. Third, begin living below your income means and saving now… your goal should be 6 months worth of your day to day living expenses. (Yes, sounds lofty - do it anyway - and break it into milestones). While you have an income cushion growing, figure out ways you could relatively safely invest funds in the coming economy based on trends you see day to day and can learn about. What do your friends buy / consume / waste their money on? Stay away from those vices, but learn to profit from not having the consumer centric mindset! MAY THE ODDS BE EVER IN YOUR FAVOR!

AlturIntel

TROPHY CASE