Spent the first 21 years in the biggest daze of my life. Spent the next 6 years living on the islands in the pacific. Just moved back in with my mom a month ago to my finances and life in order, never thought this would be me.
I went out on a whim and got a college degree in Russian language (it's a bachelors from accredited university in the US). 3.3GPA
It cost me ~$74k @7.65%(consolidated) in Parent Plus loans (as of today 11/25) and $20k @4-7% in personal student loans (as of today 11/25).
In addition to the $94k in student debt, I also have wait for it.... $10k in credit card debt (interest free until 3/2018).
I had no idea what I was doing in college, i spent the entire time partying if I wasn't in class. Worked as a surfing instructor, bar manager, photographer, event setup staffer for concerts and large ceremonies, did more retail and customer service and tried car sales.
I am currently a server assistant at a restaurant, full time, to make ends meet until I find a better job.
I initially moved back home to either do a bootcamp or self teach myself software development (would love to do fullstack dev) but the whole logic/numbers thing is a weak aspect of mine. I also thought about starting in IT, I've been around computers my whole life, but I think paralegal/lawyer is something I would like a little better. I'm more of a coffee shop code computer guy.
I am thinking of taking a year at my community college and getting a paralegal certificate and go legal route to at least establish a decent career and then study software in my free time.
Here's more to this issue. My mom is in an abusive relationship and is leaving my step dad. We going to rent out a 1BR apartment and I'm going to help her cover rent because she is also in $20k credit card debt and is making ends meet at her job and just lost hours.
So I'm definitely keeping my head straight, but I just really need some guidance. Been listening to Grant Cardone and Jim Rohn and Earl Nightingale and Napoleon Hill.
I thought about going and selling insurance or doing something in finance, but I think my get-rich-mentality is an illusion and I really need to get my chit together because I don't want to be 30 and sleep on my mom's couch.
Thank you for any help or personal experiences you can write on here. I need it.
Submitted November 26, 2017 at 12:03AM by thejajaman http://ift.tt/2i6X1ZC
