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Old October 15th, 2016, 11:58 AM   #1
Spencerrides
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What should/were you guys doing at age 20 to make money or just doing?

I'm in a predicament that im not to proud to be in at that moment and im out seeking advice to get out of it. I am 20 years old with absolutely no money and still living at home with the Parents. I just recently lost my job but it was only making minimum wage.

All I have is me and my Ninja 250 lol and I'm Looking for some advice.
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Old October 15th, 2016, 12:11 PM   #2
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Wow Spencer, sorry to hear that. On the good side, your parents are keeping a roof over your head, which I'm doing for my son who recently graduated college.

When I was 20 in 1978, I was going to the University of Maryland, commuting from my parents' house on my '72 Kawasaki H2. I was into bicycles, and for money I manufactured eyeglass mounted rear view mirrors. A bike shop in College Park, MD started wholesaling them for me. The demand grew, and after a couple years I was the biggest producer of those in the world. Admittedly, it's a niche market, so I had no delusions of grandeur, and I've moved on to other things.

I am a huge fan of self employment. Maybe there's a talent or skill you have that you can turn into a business. You don't have to start big to do as well as minimum wage.
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Old October 15th, 2016, 12:31 PM   #3
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Quote:
Originally Posted by Spencerrides View Post
I'm in a predicament that im not to proud to be in at that moment and im out seeking advice to get out of it. I am 20 years old with absolutely no money and still living at home with the Parents. I just recently lost my job but it was only making minimum wage.

All I have is me and my Ninja 250 lol and I'm Looking for some advice.
I was a student of mechanical engineering at twenty.
Had little money then, but had all the good things that you do have now but may not see and appreciate at this moment.
I was not aware myself of those many blessings at that time neither; it takes living, kicks and losses to appreciate and miss those things.

Please, don't let the bombarding of advertisements make you believe that the quality of your life is proportional to the money that you make or have.
You are a prince of the universe, a marvelous masterpiece of evolution and the planet and infinite number of possibilities are laying at your feet.

"You must understand the whole of life, not just one little part of it. That is why you must read, that is why you must look at the skies, that is why you must sing and dance, and write poems and suffer and understand, for all that is life.
In oneself lies the whole world and if you know how to look and learn, the door is there and the key is in your hand. Nobody on earth can give you either the key or the door to open, except yourself." - Jiddu Krishnamurti
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Old October 15th, 2016, 12:59 PM   #4
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Old October 15th, 2016, 02:06 PM   #5
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At 20 years old I had been in the US Army for 2 years. I bought my first house (a 3 bedroom condo) shortly before turning 20. I stayed in for 6 1/2 years. Got a skill and a security clearance that led to my Government Contracting job that I have been doing for 28 years now.

I have 4 kids, one went to an out of state college on an athletic scholarship, has graduated, and is employed. Second one went to community college for 3 years to get his associates degree, has transferred to a state school and will graduate this spring. Third one did a year and a half at community college and decided it wasn't for him. He followed in my foot steps and is in the Army. Fourth one is still in high school.

But one thing all of them have in common. I was and still am adamant that they will not work a part time job and live in my house after graduating high school. I'll support them as much as possible as long as they are working towards a degree or some sort of technical education. But if they are out of school, they can go to the school of hard knocks. That's the main reason #3 went into the Army.

So my advice would be to start visiting some recruiters.
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Old October 15th, 2016, 05:25 PM   #6
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At 20, I was working at a medical billing office as accounts receivable for all the insurance payments, moved up from a basic data entry clerk. Still lived with my Dad, and did so until I was near 30 I think. Had no desire nor need to move out. Got my first Ninja on my 21st birthday, ended up quitting my job not long after.

Picked up a spring job as a Trapper for the Remington Shotgun School. Was out looking for my next job when I had my high side accident. A month laid up healing and I hobbled into a casino to pick up my next job as a Keno Runner. That was interesting with a leg brace.

Spent 8 years there, working through a variety of jobs available within the company. Finally left when I decided I needed to go back to school. Went on to be a medical courier/file clerk that I only liked during the courier bits. Quit after deciding my happiness outweighed my paycheck. Headed into Radio Shack next to work better with my school schedule. That was 9 months of "I am not fit for sales" realization before scoring my current GIS Analyst job.
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Old October 15th, 2016, 05:43 PM   #7
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Originally Posted by VaFish View Post

So my advice would be to start visiting some recruiters.
At 20 years old I had been in the Air Force as an aircraft mechanic for two years and stayed in for 4 years total. Although I was not making a lot of money, I always had plenty of money to enjoy myself because my housing, food, medical and dental needs were all taken care of.
If you decide to go the military route my advice would be to decide what you would like to work at in the civilian world and then find which one of the five will give you that training. When you get out you will not only have the training but also the experience that employers are looking for.
Good luck to you.
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Old October 15th, 2016, 08:48 PM   #8
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I was in between part-time $9/hr jobs and part-time college, quitting this and quitting that and being bored and restless. My 20th year was spent frustrated in my parents' house with no money and no idea what to "do with my life" ... My 21st year I quit school for the second time and my part-time bakery job and went for a 10,000 mile road trip with my dog. I came back and somehow got a job working on motorcycles. I did that for a year and decided it wasn't a good long-term thing, so I went back to college to study psychology, but at a different school. I'm almost done with that now. Very happy I decided to finish college but it has to be the right fit.

Seriously, just do something. Anything. If you don't like it, try something else. Don't sit at home feeling broke and sorry for yourself - try to get a job in any area you think you might be interested in. There are entry level jobs in every field if you don't have experience. But you're supposed to be broke and lost at 20, I think.
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Old October 16th, 2016, 04:59 AM   #9
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Studying aerodynamics.

I was working with a team of guys that studied aerodynamics. We built and flew radiocontrolled airplanes. We competed in a sport called Q 500 pylon racing and aerobatics and pattern.
We designed and built our own wings and propellers. We did extensive modification to two And four stroke engines.
Plus electronics and fuel systems . Building fuel tanks a and radios.
It was a great time. We each had strengths and we learned and doscovered a lot. It was a building block for things I have done since then.
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Old October 16th, 2016, 09:11 AM   #10
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I saw pretty early on in life, that there are bosses, and there are workers. I wanted to be a boss, even at the cost of not making as much money as what I could have going to college. So, I skipped college, and started working right out of school at 17 with one goal in mind. To save every single cent that I earned to start my own business. Around 23, and living at home with no bills the entire time, I had saved over 200k. I ended up partnering with my best friend, and together we started up an auto body/collision repair shop, this was back in 2006. It has been around ten years since we started up, and although the road has been hard at times, it has been a very financially, and even spiritually rewarding life decision. It wouldn't have it any other way in this life for me.
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Old October 16th, 2016, 10:10 AM   #11
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At 20, I was in school and the sole maintenance tech at a heat treat shop. At 21 I became the claims metallographer for a steel mill and at 22 I was promoted to senior metallographer. At 23 I went back to the heat treat shop to run their lab.
Lots of varied experience led me to where I am now, project manager and applications engineer at a machine vision company.
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Old October 16th, 2016, 01:13 PM   #12
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College.

I graduated this May after a 5 year appearance. I'm finally moving out of the parents house and entering the work force just before my 24th birthday. Don't worry so much about the whole "I'm 20 and live with my parents, I'm so embarrassed" thing. Not worth it.

Advice? Go to school for something practical. Doesn't matter if it's trade school, community college, or university. Go for something useful that will make you marketable and desirable by more than just minimum wage positions. Want to be a mechanic? Get structured training and certifications and experience. Want to be a CPA? go to Business school and do the college route. Want to be a welder? Community College usually has something useful to get experience and training and market exposure.
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Old October 16th, 2016, 04:39 PM   #13
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Quote:
Originally Posted by Finesse View Post
Seriously, just do something. Anything. If you don't like it, try something else. Don't sit at home feeling broke and sorry for yourself - try to get a job in any area you think you might be interested in. There are entry level jobs in every field if you don't have experience. But you're supposed to be broke and lost at 20, I think.
Quote:
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Advice? Go to school for something practical. Doesn't matter if it's trade school, community college, or university. Go for something useful that will make you marketable and desirable by more than just minimum wage positions.
Good advice here.

Me, at 20? I can't remember if that was cooking in a restaurant or working in a nursing home. Both jobs trained me for the skills I'd need and both paid relatively well, considering. More than minimum.

But yes, get a job, any job, even if it's minimum, even if it's awful. Being employed seems to help get a different job when you apply for it. Or maybe that horrid job can lead into something better.

My first job when I moved to Montana was at Wendy's, for super-low part time hours, and for sure minimum wage. But I needed something, so that I could get something better. And I did- moved over to cooking in a real restaurant and then to the nursing home.
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Old October 16th, 2016, 06:12 PM   #14
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At 20 I was in the Army. I had just graduated EOD school.
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Old October 16th, 2016, 07:06 PM   #15
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I was working part-time at a minimum wage job and going to school full-time when I joined the Army National Guard. I turned 20 during basic training. Because it's the National Guard, I was back home and in school before I turned 21. Been alternating between being on active duty orders and being home in school and working part-time (at a better job) since then. Still finishing up my B.S. in Engineering but I've also had some unique and interesting experiences along the way.

Going active duty is a better choice if you want the GI Bill to go to school. Out of my many years of National Guard service, only the year I was deployed counted toward Post 9/11 GI Bill eligibility, which means I don't have the full education benefits.

Could I have take a "better" path? Perhaps, but that depends on the destination. I think the most important thing is to set goals for your life and find a way to work towards them. I'm happy with where I am, where I've been, and where I'm headed so that's all that matters to me.
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Old October 16th, 2016, 07:47 PM   #16
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I used to live with my parents up until i was married. Had to move out since my wife's workplace is closer that way. Living with parents is not a bad thing. They are getting older as you can take care of them at this age. It's living and sucking their money out is the problem. Be good to them while they are still around. You would not know when will be the time when you shed your tears and feeling how much you missed them when they have left us forever.

I was a jerk when I was 20. And sometimes still am.

Having a thought on what you have and where you are staying is a sign of maturity. You are matured enough if you decided to look at yourself and evaluate.

If one job is paying you low, get two jobs. If two jobs still low, get three jobs. My previous "working" hours were from 0830 hrs to 1730 hrs and continued to 1830 hrs to 0030 hrs and after that I had to ride around 30 mins to get back home. I was broke, had too many debts which I can handle.

I had three credit cards (which were maxed out), one bike loan and one personal financing loan. Every month I earned around 100 dollars for fuel and food, after deductions for all those debts. My solution is to get another job.

I worked in a diner, earning around 5 dollars a day, with dinner provided. I got lucky since in Malaysia the gas price is lower, around 1 dollar for two litres. So you could imagine i work office hours and extended to 12 midnight since my financial management sucks bigtime. The money earned from my main salary is given fully to my parents and my daily expenses would be from my hours working in that diner.

If you can get the best out of having the bike owned (to travel to work and stuffs), keep it and do extra work at this moment. You will not be burdened with all this for eterniry, and this is only for temporary. You will get hired in a new place which will pay better, if you look hard enough.

If you can't get the best out of having the bike, then let it go. There is always another time and another place for another bike. I can guarantee you that it will be better than today.
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Old October 16th, 2016, 07:56 PM   #17
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Just to add, I did not spend even a dime for breakfast nor lunch. Remember when I say that dinner if provided in that diner? I would pack two boxes of "lunch boxes", at the price of extra job with the permission of the owner. I would wash his car during weekends or I would help to cut his lawn once a month. He would still provide lunch for me all that time being at his home... lol.

So I packed two boxes of food, i kept it in the refrigerator once I arrived home. I'd take it out on the next day and heat it up in a microwave..

One for breakfast and one for lunch. There, free food at least.
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Old October 16th, 2016, 08:10 PM   #18
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College, Alcohol, more alcohol, Girls, more alcohol. Then I turned 21, focused on my education and got a Degree. aside from student loans, pretty sure Im still paying for it. Wouldn't suggest that route.
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Old October 16th, 2016, 09:29 PM   #19
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Look for a sales job from a reputable business. Sales rewards good customer service and hardwork with good money. It can also put you in touch with people who have better opportunities for you. Also go to school and get that piece of paper that makes you more money.
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Old October 16th, 2016, 09:32 PM   #20
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Full-time EMT/Security Officer, and a full-time Cybersecurity student. This year I've ridden more on the track than I could keep track of. I became an official NYST coach and got bumped to expert class after starting in novice.

Currently 20 years of age.
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Old October 17th, 2016, 03:19 AM   #21
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Per-diem EMT on top of a part-time gig at 20.
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Old October 17th, 2016, 08:22 AM   #22
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College studying mechanical engineering. Worked two jobs most of the time my whole college career. One working for the university on campus between classes (putting books back on the shelf in the library - an it was a big library lol) and the other evenings and weekends at Walmart pushing carts up from the parking lot.

I am sorry to hear about the job loss, and I would only provide one piece of advice at this time. Find something to drive yourself with a purpose. It can be many different things to different people but everyone needs to feel a purpose, to have a goal.

It could be an education, it could be learning a trade, it could be military, it could be working your way up in a company from an entry level position. It could be just about anything. But don't allow yourself to sit in a situation where you are not driving yourself forward in some way.
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Old October 17th, 2016, 09:48 AM   #23
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at 20 I was running nuclear powered submarines for the Navy. Sucked, but got me a cushy job when I got out.

Goose Creek... South Carolina? I was stationed out of Charlston... back when there was a naval base on the Cooper River.
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Old October 17th, 2016, 01:21 PM   #24
Bob2010
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Worked $10/hour smoked everyday until I was 25 and had money to buy my own house. Got a real job stopped smoking and got married.
In other words - enjoy your free ride/time while you can. Only having 1 week off a year sucks
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Old October 17th, 2016, 06:46 PM   #25
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I'm not at liberty to say... Wish you the best though; I wanna move back in with my parents... The whole good food, not many bills, an mom doing laundry; you can come adult here if your parents will agree to the swap
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Old October 17th, 2016, 07:14 PM   #26
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@Spencerrides Hey where have you been? Everyone has given you lots of greate advice. What are your thoughts abought your future?
Whatever your plans are I wish you well and the best of luck.
A quote to think about: "Your focus determines your reality." - Qui-Gon Jinn
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Old October 18th, 2016, 06:06 AM   #27
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You'll most likely find a job and land on your feet. And as premature as this sounds, when you do land on your feet start thinking about retirement now.

http://money.usnews.com/money/retire...0-000-per-year

Like I said it seems super premature but even a modest amount of money you can save in your 20s, earns interest until you are 65, and starts building good financial habits.
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Old October 18th, 2016, 07:06 AM   #28
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At 20 I had just graduated from Tech School in Auto Body and was working at a large dealership while still living at home. We were young, and they didn't pay us as well as they should have for what we did. That was over 30 years ago.

After working there, fixing major wrecks, for almost 10 years I decided I need a change. Went into professional photography, starting at the bottom in a small studio in town. Still not making much. Boring work. Eventually moved to Chicago and worked for a major player, doing shoots for Nike and Harley. Still doing grunt work and not making much. Then worked as a freelance magazine photographer for almost 10 years, but eventually the industry imploded and I moved on.

Moved again and started a business 4 years ago. All the "benefits" of being self-employed, but difficult and stressful at times. Not much security.

Looking at what some on my friends have done, the smartest ones have gotten jobs with State or Federal agencies, and have pensions. When they retire they will still make more than I do working 50 hours a week. They will have the time and money to enjoy their passions (like cycle riding). My wife is a RN, and as the joke goes, she makes twice as much as me for working half as hard (an exaggeration, but still...).

Choosing the right education and career pays off many times over. Looking at the long-term and making a good decision now will benefit you your entire life.

Aim high.
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Old October 18th, 2016, 07:39 AM   #29
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I was a student at the university and in the Marine Corps Reserve so that brought in a little money. I'd sometimes get active duty orders and that helped as well, but then my unit got it's funding cut and i couldn't get active duty orders anymore. around those years i also worked in a bank, did some construction, drove a taxi, worked fast food, learned to weld and made iron gates, did brake jobs and mechanical work for people around the hood, cut grass, cut hair, sold drugs on the street when things got really bad, and eventually graduated and became an engineer. whew, it's been a long road getting here! sometimes i couldn't make ends meet and i'd go hungry for a couple of days, which sucked more when I'd hear my classmates talking about how they were partying every weekend. Now I'm living like...

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Old October 18th, 2016, 07:47 AM   #30
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At 19 I lived with my brother and commuted to College less than a half hour away. At 20, I moved back to my Mom's, to comfort my now-ex, and continued to commute to College an hour and half one way. Got a job working half-time so had a full class schedule that ended around 6 - 8 pm and then went straight to work, working 4 hours, before going home and doing hw before hitting the sack. I had class mates that did full-time jobs but I wanted to concentrate on my school work and get good grades.

There will always be hurdles. Having an understanding family or friends help and the joy of being able to return the favor are the great aspects of life. Do what you enjoy and give back when you can.
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Old October 18th, 2016, 08:34 AM   #31
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Quote:
Originally Posted by 1uglybastard View Post
I was a student at the university and in the Marine Corps Reserve so that brought in a little money. I'd sometimes get active duty orders and that helped as well, but then my unit got it's funding cut and i couldn't get active duty orders anymore. around those years i also worked in a bank, did some construction, drove a taxi, worked fast food, learned to weld and made iron gates, did brake jobs and mechanical work for people around the hood, cut grass, cut hair, sold drugs on the street when things got really bad, and eventually graduated and became an engineer. whew, it's been a long road getting here! sometimes i couldn't make ends meet and i'd go hungry for a couple of days, which sucked more when I'd hear my classmates talking about how they were partying every weekend. Now I'm living like...
I feel that Engineering is a solid choice for a career. Of my 3 kids, 2 are studying to become Engineers. The third is talking about the Marine Corps.
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Old October 18th, 2016, 10:25 AM   #32
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I feel that Engineering is a solid choice for a career. Of my 3 kids, 2 are studying to become Engineers. The third is talking about the Marine Corps.
Most of my colleagues and I are doing very well, but a few have had some trouble staying employed due to cutbacks. Engineering gigs aren't like they used to be where you could walk in a place and get a job. Make sure they network aggressively. Also, it pays well, but they should save aggressively too. unemployment can last months or, for a few, years. If they get a job in a stable industry, work hard, and are socially flexible people, then they can have a very good career. most likely they'll be bouncing around from job to job in order to grow. most engineers nowadays have between 6-10 jobs throughout their careers.

Oil and gas has its ups and downs, and the downs can be brutal. some end up working in an entirely different field after they get laid off, so your kids may want to save this field as a last resort.

As far as the Marine Corps, from my experience, it promotes the slowest of all the branches, but that depends on your job. If the get an MOS (Military Occupational Specialty) that is very populated, then promotions will go very slowly, and if you get passed up for promotion twice, they don't allow you to reenlist. The recruiter most likely won't know which jobs are full so he should find some marines that work in an Admin MOS and ask them. they usually know because they process promotions paperwork. I can tell you Intel is probably still one of the fastest promoted MOSes. They are the tacticians who study intel given by recon and plan missions.
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Old October 19th, 2016, 10:46 AM   #33
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I see a lot of posts talking about how one shouldn't be ashamed to stay living with their parents and that there isn't anything wrong with it....

I don't know, I'm 35 and when I was 20 you were pretty much considered a loser if you still lived with your parents at that age or older.

I found a roommate and moved out as soon as I turned 18. Before that, my parents had forced me into college right out of high school, no break at all. I dropped out after one semester. I found out real quick that work paid the bills not school. A girl I worked with needed a roomie so I went for it. I worked two jobs (full time stock at Publix and part time at a horse farm) to pay the bills. Times were hard at first, things like trading cars because one of us had more gas to get to the other's job and such, and scrounging free food off a friend who worked at Denny's. No matter how bad it got, I never went back. Come to find out my mom and her co-workers had a running bet on how long it would be before I came crawling back. Not me. I relished the life experience. I ended up in a nice apartment on my own with a brand new truck and the pride that came from seeing what all my hard work had earned me.

edit: just to clarify, not calling OP a loser for living at home, was just stating that's how most people looked at others that did that when I was that age. Me personally, I think it's better to get out and experience life, but to each their own.
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Old October 19th, 2016, 11:34 AM   #34
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Heck, I was working as an engineer, well into my 20s, and still lived with my parents. The house had two extra bedrooms, and I contributed to the bills each month. I thought it worked out pretty well, and I don't remember any friends thinking I was a loser, just maybe a little jealousy of my ability to save money.
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Old October 19th, 2016, 12:07 PM   #35
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I still live at home. I could move out but there's definitely a financial advantage to staying at home, which is helpful while going to school. I know other people in their mid to late 20s still living at home. They have well paying jobs and could afford to move out if they wanted to but they just choose not to. To each their own.
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Old October 19th, 2016, 01:01 PM   #36
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@Spencerrides you need to start reading all this good advice.
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Old October 21st, 2016, 07:51 AM   #37
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I was in the military at that point. Got money in my pocket, got experience, and made getting a job after I left insanely easy.
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Old October 21st, 2016, 05:18 PM   #38
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There are 3 viable options.
  1. School
  2. Military
  3. Workforce
You are still living at home which can keep your expenses low and provide you some flexibility in that you don't have to take the first available job in order to eat.

School is a great option, but only if this is something YOU want. If you are not motivated to take advantage of it, it is just a waste of your time and money that you will be paying back for years.

If you truly don't know what you want to do with your life, the Military allows you to delay that choice for a few years while gaining income and and improving your future employment options.

This brings us to the workforce. It provides money now, but you are stuck starting at the bottom with limited education and experience. Pick an industry (not a single company) that interests you. Pester them until they hire you. Figure out what it is and find a way to offer them whatever it is they are looking for. Expect lots of unsuccessful attempts but keep trying and lean from each encounter, for it is not our successes from which we learn the most. Once you are in, figure out what your next step up is and work towards making that happen, repeat. Each job should not be considered permanent, but an opportunity to gain experience and references. Work hard, keep improving and try to always part on excellent terms. Salary tends to increase incrementally so don't expect to go from minimum to six figures without allot of little steps.

Taking a part time job outside your preferred industry is not a bad thing, it is always easier to get a job when you already have one. Just don't get stuck some place, keep working towards where you want to be.

Last futzed with by Chocula; October 21st, 2016 at 07:58 PM. Reason: typo
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Old October 21st, 2016, 06:35 PM   #39
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At 20 I was majoring in drugs and alcohol with a minor in economics. That got me a job as a security guard which led to a medical records job that became an IT career that ruined my health which got me into Chinese medicine and a 3 year certification program Now I'm being offered early retirement and I'm opening a little office to practice and teach Qi Gong. Who knows what'll be next??

So moral of the story,
Be aware of your surroundings (opportunities)
Be flexible
Ask yourself often if your situation is serving you or are you serving it.

Peace and good luck man!
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Old October 22nd, 2016, 01:38 AM   #40
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