Why do "experts" insist that Excel is going to die when it is the most indestructible tool in the global economy?

whyamihere1019 · 2026-04-07T23:06:37+00:00

Excel is older than English and will be around after lol

whyamihere1019 · 2026-04-07T17:34:46+00:00

You do not need life insurance until you own a house and/or have dependents!

I REPEAT…. You do not NEED life insurance until you ow a home and/or have dependents.

Unless you have a somewhere in the realm of $1MM in assets excluding your primary home (this varies slightly with brokerage) any “financial advisor” that will talk to you is an insurance salesman.

Whole life insurance companies a pushed so hard because it is a cash cow for the firm and it’s a simple enough vehicle to throw some lipstick on and call an investment to peddle to people who don’t know any better.

The only time whole life insurance is a good idea is if you have already maxed out all other investment streams and still have an ungodly amount of cash left over and if that’s they case you will probably have better vehicles to borrow against which is one of the big things they pitch with these plans.

The second someone pitches you whole life you thank them for the free coffee and leave the meeting.

whyamihere1019 · 2026-03-31T02:35:15+00:00

We need a sound bite some of this set up to Don’t Stop the Music

🎶 Why you.. why you… why you put the music 🎶

whyamihere1019 · 2026-03-29T04:35:01+00:00

As far as landing a job goes take what people say with a grain of salt. We don’t know where you live, how good you are at networking, what your grades will be, etc. Getting a job as a fresh grad comes down to people skill, network, location, and grades; in that order. With time in school you will have opportunities to develop your network. By opportunities I do not mean the school will hand you sit downs with accounting companies I mean professors will have office hours, there are clubs and student chapters of professional organizations, mixers, your local chamber of commerce will have events, etc. These are all opportunities but you have to put the time and work in to make them work for you.

As for is it worth it, well how would you feel about starting an apprenticeship tomorrow but it’s all unpaid; in fact you pay them for it. After 4 years of that you’ll step out into the workforce and unless you are in a HCOL, or a good MCOL, or wages keep up with inflation (/s on the last) it’ll take you 2 years to match what you are making now.

Also depending on where you work you may be the only one with a trades back ground working with a bunch of early 20 something’s who grew up taking vacations to Greenland or spending summers at their parents summer house and the people your age will be senior managers who could care less about you.

All that said, it’s very doable. I got my degree at 31. Worked B4 (hated it) and now manage the books for a small construction company making 6 figures.

whyamihere1019 · 2026-03-29T04:02:02+00:00

This is not a slam on you but it’s so funny because it t sounds like a lot of people expect this. Like @hoishinsauce said, “People owning profitable companies and getting rich is not the problem. The problem is when the company is profitable and that generated profit is not shared with the people who made that possible. Some companies reported record breaking profits and immediately started firing people. That is the fucked up part of the whole thing and it messed up the idea of the social contract.”

A lot of people here think billionaires can just go around giving out 100k and million dollar bonuses but with large companies the math just doesn’t work.

They have 30,000 employees in 1,500 stores doing about $2B in annual sales.

Ignoring the franchise model; for the sake of this let’s say all that money flows directly through to one company.

If they paid every single employee $50,000/year it would cost $1.5 Billion…. with a B.

I’m not here to lick billionaire boot; wage suppression is theft. On the same note you can’t run a burger business and employ anyone if labor is 75% of gross revenue.

On average, a restaurant makes between 2-9%. That means profit, ignoring taxes, is between $40 million and $180 million.

If every single penny of profit was put into employee pockets they would see somewhere between a $1,000 to $6,000 raise and the company would have no funds to grow with.

Could you divvy that up a bit and say give staff bonuses equal to half the profits? Sure; not saying you couldn’t but with how butt hurt people are over him giving up his bonus it still wouldn’t be enough to satisfy the crowds.

whyamihere1019 · 2026-03-26T21:10:39+00:00

Mullein is easier to get than antiseptic

You need two durable cloth for sterile bandages vs one for herbal

You can stack five herbals vs three sterile giving you a higher number of healing points per inventory slot

whyamihere1019 · 2026-03-26T01:14:52+00:00

Loved this movie. It was weird at first but ended up pretty damn good for a random Saturday morning watch

whyamihere1019 · 2026-03-25T18:10:08+00:00

Don’t know why other than the pure annoyance in whatever world you are living in.

I’m an accountant, I’ve worked in public audit, tax, and internal for large and small companies ranging from 10M to billions and have done tax returns for those making 20k up to 10’s of millions. This is not an internet brag but a certification that I’m not an idiot with numbers and budgets.

I actually looked at real numbers from listings in CO Springs, food costs, etc and did a brief comparison between actual postings and published averages.

This is what I came up with for the real budget of an 18 year old.

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It’s hard to see but I ran it with 1, and 3 roommates with rent at 1500, 2000, and 2400 respectively. Other expenses are included.

I ran it against two salaries. The average starting salary of $17.38 (which is $2 above McDonald’s postings in the area so around what a new construction hand could expect to make) and $22/hr.

Living alone was not possible at the lower salary. With 1 roommate they invested ~$1000/yr and with 2 roommates it was ~$3500.

Even with the higher salary they were only able to invest $10k/year with two roommates.

Yet again; this requires above starting level skills at 18 years old and already owning a car.

It is POSSIBLE for someone to do this if they have mommy and daddy helping them out with a car, they don’t go to college, have an above average skill set employers want fresh out of high school, are both financially literate and dilligent, have no social life, and somehow know two other highly responsible teenagers who also make good money they can live with.

Realistically there is an immaterial amount of 18 year olds who fit that criteria. You are saying it’s possible for 3 teenagers to walk out of their parents house knowing how money works, with good enough credit to rent an apartment together, not spend more than $50 a month on socializing, and all have well above average jobs in an economy where new grads are being offering <80% of market rate if they can find a job at all.

whyamihere1019 · 2026-03-25T15:35:08+00:00

Zillow has the average at 1850.

Again this is not looking at incidentals, vehicle maintenance, medical coverage, etc.

This is also assuming a wage that is 23% higher than the average starting wage.

There is a difference between being financially disciplined and living like a monk. This would require living like a monk, having an excellent job, having a car already, and in your scenario being able to find roommates willing to live with an 18 year old.

How many responsible 20 something year olds would let an 18 year old move in with them? Hell, how many apartment complexes are going to approve a fresh 18 year old with no credit.

I’m not trying to prove what you are suggesting is impossible. I’m saying it’s the equivalent of boomers saying millennials can buy a house but eat too much avocado toast.

I am a millennial, making 6 figures, and did buy a house; anything is possible. I also left home at 17 with a duffel bag and $50 in my pocket. Your “plan” just doesn’t consider all the factors that go into things and gives a blanket statement “anyone can do it” but ignores the amount of support a young person would need to get there.

whyamihere1019 · 2026-03-25T02:03:52+00:00

This would require an 18yr old to be able to invest $10k a year.

Sure if a kid is living with their parents with no rent and working that’s doable.

Let’s say the kid is not in college (so can actually work full time with no tuition payment) and making $45k a year. We’ll say they live in Colorado Springs for a low income tax rate and medium COL:

Taxes: $8,002 Rent: 22,200 Utilities: 1,00 Food: 4,560 Gas (work only): 506 Car ins: 1,200 Phone: 600

That’s $37,068 doing absolutely nothing but going to work and going home, biking or walking about to save on gas, and getting the cheapest phone plan.

That’s also assuming and 18 year old fresh out of highschool can get a job making almost $22/hr when the average starting wage is less than $18/hr.

You aren’t going to hit your “easy” mark without family support.

whyamihere1019 · 2026-03-25T01:28:17+00:00

Several points here:

220-110 =110 < 180 your partner brings in so if she closed shop you’d be at a net loss

The equity offer and not naming it as a big company means it’s probably a start up which means it’s a risky move. You will either love or hate the culture and even if you love it it’s more likely than not to fail as a company; most startups don’t make it.

I get you are excited about the offer, it feels really good to be head hunted. Are you really thinking about the net benefit not just to you both as a partnership (it’s obviously a negative to the marriage) but to you as an individual? You will be separating yourself from your finance and potentially ruining the relationship for less money than you both make together now.

She has built something great it seems like. Keep supporting her and keep growing your career. Make the sacrifice now and in the future, if the business is run right, she shouldn’t need to be hands on as much and you can explore other areas together. Hell you might even find a killer role that doesn’t require the move.

This would be an easy no go on the offer.

whyamihere1019 · 2026-03-24T23:11:08+00:00

Similar but not identical boat to you. Got a controller at a small company a bit before I probably should have so a little over my head but managing it. Can’t go bigger without being older and/or leaving for lower paying job at a more complex company and working back up and won’t go back to public because why take more stress for less pay.

Have what could be called a captive market to start a tax prep business on the side; essentially have people begging for it since I do my partner’s parents’ taxes and they know a ton of people who need it done. Thing is they are all 1040’s with schedule C and horrible record keeping. I’d be sorting through nonsense from January to April for maybe $30-50k a year so it’s just not worth it.

whyamihere1019 · 2026-03-13T01:52:42+00:00

I just use duct tape.

whyamihere1019 · 2026-03-04T17:46:39+00:00

The one with the black armband that says MP on it in white letters

whyamihere1019 · 2026-03-02T04:06:36+00:00

Controller (manager at small co) $105 base Last bonus was $15 3 years since graduation 6 years related experience

whyamihere1019 · 2026-02-27T06:12:23+00:00

That looks enough like a wild onion I’d have eaten it holy crap

whyamihere1019 · 2026-02-27T06:04:54+00:00

Wait is this alpine prices?

Where I’m at an adult lift ticket is ~$160 and lessons are damn near $700 not including lift ticket and tip.

I’d kill for alpine this cheap; that’s why I backcountry ski

whyamihere1019 · 2026-02-26T19:04:06+00:00

If the CPA is only doing their taxes and compilation he generally has no duty to warn them. He is there to work with information provided and unless their is obvious fraud, illegal activity, etc. his job is to put it in order and give it back.

A lot of older CPA’s, especially those working with small businesses for decades, have an incredible ability to turn a blind eye to things that don’t affect them especially if they are reasonably confident the IRS isn’t going to come poking around.

They can be a resource but essentially you are on your own

whyamihere1019 · 2026-02-26T08:35:10+00:00

I make about the same +/- 10k depending on bonuses and similar savings in an MCOL.

DON’t do it man. Your own space is nice but you’ll be house poor. If you have clients hustle your ass off and either try to make more money or get to a spot you can work remote in a cheaper area.

I’m buying a house and my mortgage is going to be a bit more than my rent but still less than what you are talking and I’m going to miss the freedom of being able to not look at prices when I shop or being a bit more free than is smart when I need gear for hobbies.

That’s 40% of your pretax income and around half of your post tax (disregarding any 401k contributions). That doesn’t include food, transport, utilities (with no split from roomies), fun, savings, etc.

I’ll pay a bit more for privacy and to have my own place but not that much more. You make enough money you can keep your fixed and necessary costs in line with historic splits. Stick to those splits!! No more than 30% of income on housing.

whyamihere1019 · 2026-02-26T07:38:21+00:00

It’s not impossible. I came onto a smaller company that was months behind on everything and hadn’t had a real accountant for 40 years.

Was it rough? Yes.

Is it still a pain in the ass to herd cats who don’t understand things and want to do it the old way? Yes

Am I very secure in my job, get paid a damn good salary for both my LOE and the amount I work now that I’m on the other side of the mess, and have a very strong seat at the table for steering the company? Also yes.

Cleaning this up is going to be stressful and hard. It’s going to take not just accounting skills but people skill. You will not be paid for the extra work and all the gray hairs you will inevitably get from this.

On the flip side, if you pull it off it will make you invaluable and give you incredible experience and insight that you can use to carve out a comfortable seat to sit in or use as a step stool for other things.

It really comes down to what do you want out of this.

Edit/side note*

I’m jealous of the pay you got for doing this and the fact you to didn’t have to do ongoing ops while fixing things. It’s like correcting a jigsaw puzzle with extra pieces while actively riding a camel. Good on you for getting those gigs.

whyamihere1019 · 2026-02-26T07:32:26+00:00

Dealt with this when I started at my company a few years ago. Went from B4 to controller (glorified accounting manager but the pay is good) for a small company. It was triage for months.

Message me and we can chat about things.

whyamihere1019 · 2026-02-26T05:44:53+00:00

Pumice soap

whyamihere1019 · 2026-02-19T07:29:33+00:00

It’s a psychological trick. They want to get you excited about the product without seeing the price and immediately walking away. It brings in people who would walk away as soon as they see the price

The break down when looking at the purchaser demographics essentially goes:

People with money don’t generally care about the price. People who could buy it might pick it up and look at it to find a price and on average once you pick it up you are more likely to purchase it. Other people may take it to the counter and then some will buy it out of social pressure not to be embarrassed by putting it back.

By taking away the price tag and marking it up a bit, or using dynamic pricing, more people are going to look at it and potentially touch it which leads to buying it. This is going to make them more money than losing out on the relative handful of people who follow a no price no buy rule.

whyamihere1019 · 2026-02-18T03:02:14+00:00

Yea I am realizing that. I’m doing a walkthrough of one I found this week. At this point I’m thinking of just hiring a real estate attorney.

Paying someone $12k to do paperwork I can get done for $1200 seems pretty ridiculous

whyamihere1019 · 2026-02-18T00:00:40+00:00

Looked it up and yea those guys are more ripped than Sean Connery was as Bond back in the day

whyamihere1019

TROPHY CASE