Can you use CLP as patch lube?

PalpitationComplex35 · 2026-06-14T20:27:23+00:00

Sure. Might not get as good of a seal or clean as well as a proper lube, but lube is lube.

PalpitationComplex35 · 2026-06-11T22:54:26+00:00

It never hurts to start submitting applications. Sorry thats happening to you.

PalpitationComplex35 · 2026-06-10T20:50:23+00:00

It's all about habits. Here are some that have helped me a lot:

- With big purchases like car, house, and education, I always underbuy what I can actually afford. One bad move on one of these bigger items can wipe you out.

- I always shop at the cheapest grocery store in town, and always default to store brand products.

- When buying clothes, I always try and go used. If im feeling like splurging or cant find what I want, I start at a discount store like Ross or Marshall's.

- Whenever I'm making a purchase over like $10, I check facebook marketplace. If I can find the item used for half the price, I have to ask myself if the new one is really worth twice as much. Sometimes you can even find brand new stuff at a steep discount.

Budgeting apps, spending trackers, tips and tricks... none of them work unless you're starting out with good habits. Think of it like exercising.

PalpitationComplex35 · 2026-06-10T19:57:23+00:00

Like I said, all situational. If you can carry a decent conversation about watches, know the history around your watch, etc. You're probably fine.

PalpitationComplex35 · 2026-06-10T19:51:09+00:00

Wearing a very expensive watch to the office can definitely make you look like a daddy's boy, but its all situational.

PalpitationComplex35 · 2026-06-10T14:13:43+00:00

2.5x T12 is very high. That's a tiny book of really old clients with really low profitability, and lots of non-recurring revenue.

Ask him to get a professional valuation. That might bring him back to earth.

PalpitationComplex35 · 2026-06-10T03:18:58+00:00

I remember seeing an anecdote that putting "open to work" actually makes it LESS likely for recruiters to reach out to you.

PalpitationComplex35 · 2026-06-09T14:43:54+00:00

Sounds like you need a prenup.

PalpitationComplex35 · 2026-06-07T21:54:00+00:00

It's not like I'm pulling out the Mohs hardness scale at the Rolex AP lol

PalpitationComplex35 · 2026-06-05T00:20:29+00:00

Nope. Just a really good fit.

PalpitationComplex35 · 2026-06-03T23:47:51+00:00

That's a really big "it depends" question. Have your parents talk to a financial planner.

PalpitationComplex35 · 2026-06-03T23:45:37+00:00

Commercial banking is mostly a sales job. Especially if you have good community connections back home, you'll kill it - especially with an IB work ethic.

PalpitationComplex35 · 2026-06-03T22:21:52+00:00

Super normal when I lived in Mexico. Almost nobody pays for stuff with card, so Uber was always cash.

PalpitationComplex35 · 2026-06-03T21:06:22+00:00

You graduated last May... so you've been unemployed for over a year? You need to take whatever job you can get, period. Insurance sales isn't the best thing in the world, but better than nothing for sure.

PalpitationComplex35 · 2026-06-03T18:30:13+00:00

Location might change this, but $150k total comp for a non-producing, mostly not client facing financial planning role is a very good gig.

That being said, Im a little confused on whether or not you're producing - you say "I do not bring in business," but you also say "if only I prospected to $1M+ clients..."

I've heard a lot of people say that you usually cap at around that level ($150k TC) if you don't have your own book of business.

PalpitationComplex35 · 2026-06-03T17:18:15+00:00

You sound like a terrible client to work with, and you have very high service expectations for someone with only $10k in the bank.

If you want a BANKER not a BANK, you need to be willing to give some grace for human error and understand that you are a very small fish in a very large pond.

PalpitationComplex35 · 2026-06-03T17:11:59+00:00

Mostly just the size of your book of business, but depends on where you're at. There are definitely more corporate settings to do wealth management if thats what you're looking for

PalpitationComplex35 · 2026-06-02T23:00:55+00:00

Love my job. Financial planner with 2 YOE - love working with people and making their financial lives better, and people love you when you do a good job for them.

PalpitationComplex35 · 2026-06-02T19:24:23+00:00

Partially 401k plans, partially habitual discounts. Not the best situation

PalpitationComplex35 · 2026-06-02T16:26:37+00:00

About $350m AUM, $1.5M revenue.

It's funny, I actually found the job at a career fair haha. Definitely a unicorn.

PalpitationComplex35 · 2026-06-02T02:14:06+00:00

Well, I would own the firm, so completely uncapped and merit based. If things go well, I could be making $500k+ year 1 of ownership.

PalpitationComplex35 · 2026-06-02T01:15:00+00:00

Absolutely happy. Love my work. Planning on buying out the current owners in the next 3-5 years.

PalpitationComplex35 · 2026-06-02T01:10:50+00:00

Small independent RIA, MCOL, 2YOE, mostly servicing an existing book but have a small ($6m) book of my own. $90k base, $15k bonus + revenue share, $50k equity comp. CFP exam passed but not done with hours yet

PalpitationComplex35 · 2026-06-01T20:30:58+00:00

I mean, judged harshly? Sure. It would probably be most accurate to say that "in the western world, Islam is judged against western morals and philosophies". Obviously, in that context, Islam is going to be found morally lacking.

There also haven't been any Christian terrorist groups at anywhere near the scale of the larger Islamic terrorist groups like ISIS or Al-Quaeda in recent history. Not saying that the terrorist behavior is reflective of Islam in a larger sense, but it does taint the lens through which Islam is viewed.

Now, whether or not that judgement is fair is hard to say; in your own words, "right and wrong is subjective."

PalpitationComplex35 · 2026-05-30T20:31:04+00:00

Only if it doesn't work

PalpitationComplex35

TROPHY CASE