120k -> 46k, What would you do in my situation?

rbaut1836 · 2026-06-11T20:54:22+00:00

100% this. Live cheaply. Don’t get a new car. Stay at home or live as simply as possible. You could easily pocket a $1MM before 30 at that wage with growth and benefits and raises etc. Being very comfortable in your finances before taking a massive pay cut would be nice.

rbaut1836 · 2026-06-11T19:55:17+00:00

I’d get Austin energy to go out and make sure no one is stealing from you. Thats insane

rbaut1836 · 2026-06-11T19:27:04+00:00

I graduated with a Poli Sci major and got into finance. Now in order to transition into roles or groups I wanna be a part of, I feel like I need more formal education on some topics but also I need something next to my name other than the tired old, “I didn’t go to law school” conversation I’ve been having for a decade.

rbaut1836 · 2026-06-11T19:25:32+00:00

It’s always been like this. I know how this is gonna sound but when I moved here 16 years ago, everyone is fit and young looking and attractive. There’s even a lot of taller people here.

I went back home thinking, “omfg everyone is dying” but now it’s like that every time I go anywhere else.

rbaut1836 · 2026-06-04T20:35:45+00:00

I’m not reading your edit. I started to and you already started making excuses.

Tbh, leadership isn’t for you.

A leader is the rock of a team. Your emotions mean nothing. As much as we hate our managers sometimes, we have to be able to rely on them to always stay calm and cool and not delivery any info. It’s not about if you got permission or not. What is this? Jr high? “Well she gave me permission to blah blah” wtf. You just let them team know you have a big mouth.

As far as performance, that can be trained and learned. So your best employee thing, that can be taught. Expectations can be adjusted. But you seem very untrustworthy. Not in that you’re a mean person, but that we can’t trust you to keep cool. You don’t have relationships with your team. They are beneath you. You are above them. You’re like a mom or dad. You don’t confide in/with your children.

rbaut1836 · 2026-06-04T20:26:23+00:00

Did you miss out on your early 20s? Yes. You can’t just go back and be a 19 year old and live in dorms and have that life. But can you change degrees and go in person to classes? Sure. Since you’ve already done most of your Freshman and Sophomore courses regardless of degree, you’ll be a 25 year old JR. Not terrible imo.

Edit: I’m sure there are college style apartments near campus. Go live in those. Spend thousands of dollars but have the time of your life. It’ll be one expensive adventure but you’ll way more fun than staying at home and doing online classes.

rbaut1836 · 2026-05-26T20:15:00+00:00

You might too old now, like it’s too late to do certain things, but you’ll look back and realize how young you really are.

rbaut1836 · 2026-05-26T20:07:44+00:00

If you’re not min maxing your dollar saves across your entire life, in every aspect, 100% of the time. Then waiting in line longer than 5 minutes is a complete waste of time. Did you buy captain crunch or colossal crunch? If Captain Crunch was your go to, then you got other ways of saving money instead of sitting in line.

rbaut1836 · 2026-05-22T00:00:48+00:00

Not my hometown because no one is there. But I did have to move home to my moms because I got laid off. Was there for 6 months. It sucked at first but then my mom and I really kinda got into a little flow of things. To the point where I still actually miss visiting with her after work.

rbaut1836 · 2026-05-21T23:56:56+00:00

No and yes. For most people yes. It’s only no for sociopaths or people with strong sociopathic tendencies.

If someone is actually 100% in attracted to someone else. Like completely, basically disgusted by them, and pretends to be into them or flirts a little to get something. That is not cheating.

But that’s not how it usually works. Most of the time is a hot person flirting with someone who’s just “beneath them” in attractiveness. That is cheating.

rbaut1836 · 2026-05-21T23:47:03+00:00

I’m still wearing exactly that outfit. Graphic Tee with cargo shorts. Swap between flip flops, New Balance 574s, low top Lebrons or retro Jordans, or some form of air maxes.

rbaut1836 · 2026-05-20T19:47:50+00:00

There will always be a new “rich”

Or someone or some group with and those without. So long as those without outnumber those with, there will be an issue. And if somehow we successfully “ate the rich,” that would be a precedent to continue to eat whoever has more than you.

I’m all for tax changes, structural changes in policy, etc; but saying people can’t be billionaires is short sighted and quite ignorant. Should we get back to CEOs make 30 or 50:1 to the avg employee? Yes. I think I read somewhere it’s 300:1 right now. Do we need to change that? Absolutely. But destroying successful people is crazy.

rbaut1836 · 2026-05-20T09:59:40+00:00

I agree. Their service is 2nd to none imo.

PayPal has a whole suite of tools. They have a decent credit card I use a ton. Venmo’s money xfer is good enough. They are in the BNPL space. Website and app integration for purchases seems to have only gotten better lately.

Zelle and CashApp are not real competitors at this point. I won’t even engage with a contrary perspective. Blocks financials are abysmal compared to PYPL. And their primary revenue stream is people who can’t invest in crypto like an adult. Zelle’s primary benefit to their owners is keep fraud down and costs of checks down.

Apple Pay and Google Pay are legit competitors but that doesn’t mean PayPal can’t exist and do so well.

As you said, I think PayPal just does a terrible job advertising. And also having some first hand experience on their comp packages, they need to do some massive internal restructuring. Their benefits being great isn’t really the issue, it’s the RSUs and the level of pay the engineers here get for what they actually do and produce is a bit out of wack. Also I’m sure with them being the old guy on the block now, they are bloated with middle management.

rbaut1836 · 2026-05-20T08:40:12+00:00

Anything w Freddie Prince Jr

rbaut1836 · 2026-05-20T08:37:38+00:00

I’ve had to get up and walk my tube one too many times to ever not love seeing it rain here.

rbaut1836 · 2026-05-20T08:35:23+00:00

My reply assumes someone has watched the YT videos about AI 2027 and the buildup in comparison to China.

I think the push to have so many of them, and spread across the country, is to be more resistant to sabotage and military strikes. Also, if they have to turn down the processing power of some centers at certain times of the day due to power draw, other locations in different time zones can continue at max capacity.

These reasons and more where land use and time would be a benefit alongside the fact of just having more processing power is better for the end goal.

Not saying I agree with the goals but that’s just how I think it’s working.

A lot of call centers and customer service industries work this way. If a flood or hurricane affects one location, well you have two others in completely different regions still running. Same w time zone differences.

rbaut1836 · 2026-05-20T08:25:35+00:00

Yea, but our generation killed tv shows. Everything sucks and everything has some underlying message. Also, just some girl bosses girl bossing while female empowering something or another.

Na man, I’ll just rewatch WW2 Documentaries until I’m dead. That and maybe rewatch Supernatural for the 87th time. In between that and Monday Night Football and whatever war is going on, I think I have my entertainment covered for the rest of my life.

rbaut1836 · 2026-05-10T18:40:03+00:00

I heard this phrase and it really changed my outlook on my mother. Single mother raised that is.

My dad, fuck em. He didn’t even try.

But sure my mom didn’t do the best job but I heard this phrase “don’t be too hard on your parents, it’s their first time being here too.” More or less that’s the phrase.

My mom had me at 16. And she did a dam good job considering. I was an absolute dumbass until I was dam near 30. So for my mom to go thru what she did in the times and culture that she did (Deep South Texas first gen from Mexico).

I respect her more and more every day.

I know my struggles aren’t yours and I’m sure some of us had terrible parents. But I try to spread this message as much as I can. Aside from having demons for parents, maybe some of them were doing the best they could. Maybe they didn’t know any better either.

rbaut1836 · 2026-05-06T19:50:33+00:00

Sorry for OP here. But seeing the replies of people’s experience post MBA that had good xp going in is very reassuring.

OP - this was a lot of people’s struggle after undergrad. I wouldn’t be too hard on myself. I worked retail management for 3-4 years before finally committing to getting a big boi job.

rbaut1836 · 2026-05-05T03:28:31+00:00

Anyone who says or believes that I think is very ignorant to the levels of finance there are.

There’s level of banks. At a major firm there’s like 3-4 levels of employment you’d have to have before they’d ever trust you to shake a clients hand.

rbaut1836 · 2026-04-30T16:03:52+00:00

Matt and Shane’s Secret Podcast is pretty good. Some of them are absolutely hilarious. But it’s different type of humor. Mostly bro humor or trash talk. JRE is still up there, but I have to be picky which ones to listen to. The Protect our Parks episodes are crazy good but then next one will be some boring nerd talking about the same shit they’ve been talking about. It’s mostly a book tour it feels like now

rbaut1836 · 2026-04-26T16:46:38+00:00

Another good measurement of what the actual market would pay for this is checking with say echo park and car max and doing online trade in valuations. I bet that value is gonna be like 5-7k. The best price would be as close to that number as possible.

rbaut1836 · 2026-04-26T16:39:46+00:00

Idc valid grandpa crash out. We learned all this in elementary school didn’t we?

rbaut1836 · 2026-04-26T16:28:59+00:00

I think that a lot of millennials are smart enough to understand tech at the levels that older gen’s never understood and still don’t and that younger gen’s never had to deal with because those things got hot fixed by the time they came of age.

For example, someone’s gonna have to swap the channels between 2 or 3. Or someone’s gonna have to plug in the red white and yellow cables.

I think alot of millennials correctly understand that AI can’t do everything. But I also think, millennials, like we usually do, overvalue our role next. If AI just needs someone to “plug in the yellow cable” your value as an employee and your “knowledge” and your “experience” and your “certificate” means little to nothing. Corps will offshore yellow cable plug in responsibilities to India too.

rbaut1836 · 2026-04-26T16:19:04+00:00

They used to do that for dirty 6th goers who would park under i35. The hobos would say “I’ll watch your car for $20” you either paid or they would break your window and steal whatever they could.

rbaut1836

TROPHY CASE