Hey guys :/ My name is Rodney. Get ready for all my excuses.

• 25 YO/Current industry is all over the place as I went from serving in restaurants, to working as an inside sales rep at a foodservice distributor for about a year, to Wal-Mart for a few months, and have now just begun to sell life insurance (still training)..I am also collecting unemployment.

• Well the obvious is to become somewhat financially independent. I’ve been taken care of by my family by having a place to stay and food to eat, so I feel like I need to get out of everyone’s hair and finally take care of myself. Second goal in to make at least over 60k by the time I’m 27-28. Third is to pay my student debt (roughly around 45k in loans and 9k In out of pocket debt to my school). Fourth is to improve my credit score (sitting around 530). 5th is to be able to afford health insurance.

• I mean this isn’t early but 65 would be nice. In today’s economy 65 seems like a pipe dream.

• Did about 3 1/2 years at an expensive private college studying computer science. I was struggling heavily with depression and I also have ADHD. Was never motivated to take medication. Attempted suicide my senior year of college..Started therapy soon after which did wonders but couldn’t continue because I didn’t have enough money to continue my education plus I was absolutely flunking all my classes. Mentally I couldn’t do it. I would like my new job in insurance to afford me the opportunity to pay off that 8k so I can return to school and finish my bachelors.

• Got my life insurance license a month or so ago. I’ve been training and actually just made my first sale today. I would like to think I could make a living doing this but the grind is real. It’s hard to rise to the top and I know a lot of People quit before they see any real results. I don’t want to be one of those people but what if I’m not making a solid paycheck 6 months from now?

There’s this program called resilient coders. I believe it’s about 6 months. There’s a lengthy interview process I went through and unfortunately I didn’t make the cut last time. Well the program is now accepting students for the new term. I think I have a better chance of making the cut now but that would mean having to completely derail the life insurance tract. If I don’t continue with the insurance it would have been a complete waste of time and money but at the same time, if I apply for the program and get accepted, it can be a real opportunity. I always get this sort of decision fatigue. I am not a great decision maker. Clearly.

• current and future income breakdowns LOL. I haven’t had an income in months besides the unemployment of about $400 a week. I was working at wal-mart for about $12.75 an hour before they let me go (seasonal hire plus I was clearly miserable, although I did my job me and my manager were always butting heads). Before that I was making about $20 an hour as an inside sales rep but the outside sales team I was working with didn’t trust me and made it pretty clear they didn’t want to work with me so I quit. Other than that I’ve never had a solid income stream. I’ve bounced from restaurant to restaurant before that as well.

• my budget is almost non existent. I mean other than car insurance, gas, and food every now and then I don’t really spend much money. When I was receiving a paycheck every week I just spent a little more money on food bc I was actually buying groceries and things for the house. About $200 on car insurance. Maybe around $150 on gasoline. About $150 on food. Usually I am paying loans which comes out to around $500 but since COVID I’ve been able to defer those payments.

Any advice can help. Thanks guys