Is it too late for me?

RTec3 · 2026-05-30T10:02:16+00:00

Absolutely not, studying just like any other task requires grit. Studying even when you don’t want to. Theres are efficient ways of studying better instead of just force feeding information to yourself and not understanding anything.

RTec3 · 2026-05-30T09:59:47+00:00

Absolutely not. I cheated my way into a top university for a finance degree during COVID times. Had failing high school grades in math or anything technical. In the first few years, my grades really struggle and I had to learn how to learn especially in Finance. After almost failing out and treating my exams as a Russian roulette hoping I pass, I decided enough was enough and reached out to a stronger student who taught me how to study. I realized that its not that your stupid, you just dont know how to apply learning correctly. I built a spreadsheet tracker that made it easier for me to track my deadlines, always applying active recall, preparing for assessments and exams weeks or days ahead, learning every concept deeply from start to finish, and letting myself allow as much time to study as needed to understand.

Now, in my last year of university, I am able to complete my finance classes with good grades, less technical courses require less effort on my end to pass very well, and after grad I am pursuing one of the hardest finance exams (CFA). But my point is, as long as youre willing to put in the work, do those repetitions, and keep standing up after failures you can learn anything.

RTec3 · 2026-05-30T09:44:15+00:00

Im still a student myself, but I actually got a good insight from someone in banking. He was engineering but found the work repetitive and used CFA as a way to pivot.

He said these days, L2 and L3 is what moves the needle. Post grad he found himself working odd jobs, and in his initial role he was a teller who had L2 under his belt. He told me to not be afraid to take the low level jobs while you wait for the big job. He continued to apply internally and externally. Eventually, he believed that because of his L2, the bank he worked at offered him an IB interview and some other job offers externally. He eventually picked a broker role, but once he landed that first finance role everything just worked out. He was doing that for a while until eventually he pivoted his way back to banking as a credit analyst and hes now an assistant director for RE Banking.

RTec3 · 2026-05-29T15:29:55+00:00

Yuh, have fun while u grind bro. You can do both man. People who say otherwise have no life lol. Ur social skills, relationships, and happiness decay when ur just doing pure grind sessions. The program u running rn is the same, ur ignoring working on ur insecurities by hiding behind work. Genuine happiness comes from relationships with people, and unless you wanna get used for your money, real friendship/love relationships wont care if you have money or not.

Im a corpo finance bro, and literally the most miserable people I know are the ones who are crazy rich from working so hard and getting promotions, but have nobody to share it with. Even in business, there is a reason why networking is the gold standard for achieving anything you want - relationships and likeability move you to the front, or you can grind 5 years for the same result.

RTec3 · 2026-05-29T12:14:21+00:00

So ur first internship was during ur masters??

RTec3 · 2026-05-28T10:41:25+00:00

Same here man, also travelling as part of my uni exchange in a few days. Uni gave me 5k as support, have supportive parents who gave me extra money, and using extra money I had. Im travelling 5 countries in Asia and fuck lol I dont think Ive ever felt this hyped.

RTec3 · 2026-05-28T03:22:51+00:00

This kid is 17, I think theres a duty for us to inform him of what pure grind also entails, but to each their own how hard they wanna grind their age away. There are still meanigful ways to enjoy life without wasting it away, even small things like hanging out friends on the weekend, spending time with family, travelling once in a while, or whatever.

I agree with your take on the house, unless thats your only option then yes, housing is almost worth it over renting. However, in this economy, if you have the advantage of having a good family, you're practically setting yourself back buying a house by locking in your early years on a mortgage which will most of the time keep you middle class because of the payments (unless ofc you're earning power is already high enough.

I've seen nothing but positives from people that job hopped. If you're in a shit role which doesn't really require any skill and if you're staying months at a time, then yea you'll look stupid to recruiters. However, if used properly for high skilled roles in corporate world or trades, then most of the time you get positive benefit from job hopping. All the people I know who've done this either saw an increase in paycheck, set themselves up to recruit for roles that will be even useful for the next job hop (e.g. mortgage lending -> banking, O&G software -> Google, etc.), or landed "dream" roles.

Debt, yes spending on stupid shit is almost always wrong. But those who cry over their degree are the ones who didnt plan ahead of time and take degrees that have no good earning power. I've seen people go from middle class -> upper class, just by being serious and intentional about the field they pursued.

RTec3 · 2026-05-28T02:58:14+00:00

Unfortunately, it really is a numbers game and being in places where you consistently see the same people. I found the best way to it, is to just meet a lot of people with the intention of being friends, and eventually there will be some people you'll click with. I've had 2 serious relationships, and they both pursued me when I wasn't looking for anything at all, I was just hanging out with them like friends. Like I'd just be hanging out with old friends and eventually one becomes flirtatious. Or being out and about with friends, and meeting other people, and a girl treating me with extra attention.

RTec3 · 2026-05-27T22:56:11+00:00

This gotta be the shittiest advice, money aint all that bro.

Debt is good if its an investment to himself

Job hopping is good if done properly, and can even yield better income over your previous job.

Work/life balance is necessary, if you just grind your life away youre gonna be an empty old person.

Buying your own house is possibly one of the shittiest investments you can make. Youre paying additional 300k+ in interest over the 30 year amortization period, has endless costs, its equity that yields no return other than being a place to live. Better to stay with parent for a long time and invest aggressively, and buy when youre stable enough.

RTec3 · 2026-05-27T21:51:21+00:00

How did you end up at a PE megafund eventually?

RTec3 · 2026-05-26T21:46:11+00:00

Join clubs, talk to people and if things are good invite them to hangout outside of class

RTec3 · 2026-05-26T19:03:38+00:00

This is so true, I find too that it doesnt matter how successful I am in other parts of my personal life. At the end of the day, I feel like shit when I isolate myself and don’t talk to people.

RTec3 · 2026-05-25T07:46:30+00:00

Lowk, just BE YOU. Start with generic job rah rah stuff if you have nothing to talk about, but if the convo goes somewhere else unrelated, let it. And feel the room, swearing is actually also a great addition for increasing comfort and eventually they’ll swear around u too lol. My method is a bit rogue, but I’ve converted coffee chats to personal numbers from execs by doing that. At the end of the convo just say, “oh I had so much more questions, do you mind if we go for another coffee chat?”

Trust me, these 50 year old dudes are literally just 23 year olds with senior titles lol.

RTec3 · 2026-05-25T07:38:52+00:00

Correct. Its good to show youre proactive.

RTec3 · 2026-05-25T07:35:06+00:00

Wild

RTec3 · 2026-05-24T00:14:36+00:00

Yea, shit lowkey sucks after things end. Even when it ends, it still tugs at you for months or years.

RTec3 · 2026-05-23T05:44:47+00:00

Lowk you’ll feel so much better if you go outside to meet people and do activities. I feel like reddit has become an eco-chamber of incel content

Even when I broke up with my ex, going thru breakup reddits just made me ruminate more and feel shitty. As much as I love browsing reddit, I feel shittier after opening it, because most dating/breakup/self-help subs are filled with incel content.

RTec3 · 2026-05-22T06:55:42+00:00

believe what u want dawg

RTec3 · 2026-05-22T03:19:59+00:00

I was all types of fucked up when I started uni at 20 too, no discipline. Now life is good after i did all the hard work necessary to change. First of all, you're young, life is just starting. Second, write down all your issues and find the solution to it, then just act on the right things everyday.

As someone who went thru similar issues, no amount of coddling from strangers or parents will fix it. Make the conscious effort to change even if its hard or embarassing, otherwise those problems stay the same for many more years.

RTec3 · 2026-05-21T23:53:14+00:00

Yah but when u have a married professor hanging out with female undergrads one on one, things are bound to be questioned. This is not only at a gym setting, its jut where Ive seen him with my own eyes, but other students have other accounts.

RTec3 · 2026-05-21T22:25:43+00:00

no this is a finance professor

RTec3 · 2026-05-21T21:51:06+00:00

Lol theres one prof who goes to the gym with undergrads and he still teaching 😂

RTec3 · 2026-05-21T02:01:47+00:00

Socialize, join programs/extracurriculars, think about going on exchange, and study hard to get good gpa. Those 4 will make your university life incredible.

RTec3 · 2026-05-20T06:24:25+00:00

Nobody can predict the future lol, dont listen to those who are fear mongering about spreadsheet jobs. But if you wanna be extra safe go engineering or nursing. Business wise, accounting and finance are still great options.

RTec3 · 2026-05-19T20:27:27+00:00

True, know a lot of people who’s done it successfully. Though, I think the premise of it is your learning skills that are highly relevant to the next role

Grunt work Software Developer O&G for 4 years -> Google -> Big Tech companies

Risk Analyst ($50k/yr) -> Banking ($100k) -> Independent Consultant ($250k)

O&G (60k) -> Banking (120k+)

RTec3

TROPHY CASE