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Any advice for me a guy turning 18 yo old??
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this post was submitted on 14 Oct 2025
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Showerthoughts
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A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. The most popular seem to be lighthearted clever little truths, hidden in daily life.
Here are some examples to inspire your own showerthoughts:
- Both “200” and “160” are 2 minutes in microwave math
- When you’re a kid, you don’t realize you’re also watching your mom and dad grow up.
- More dreams have been destroyed by alarm clocks than anything else
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- A good place for politics is c/politicaldiscussion
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explain
Let's say you're a student and poor. You live cheaply, eat ramen every day, etc.
Now you get your first real job. The amount of money at first will seem crazy. There will be the temptation to just splurge, buy watches, fancy apartment, fancy car on loan, etc. This happens every time your income increases significantly.
Now let's say you get fired. Suddenly you have the loans, the bigger apartment, etc but no way to pay for it. This will be very stressful and you may have to do things you don't want to.
Imagine instead you didn't have the car. You got a modest apartment, and saved some money. You have no debts, and can easily take half a year to get a new job no stress.
So when I say live below your means, I mean do not give in to the temptation to splurge. Spend less money than you make.
Try to put at least 30% or so of your income to the side (aim for 50%). Make an emergency fund of at least 3 months worth of expenses. Then start putting money into tax-deductible retirement funds and ETFs.
Most importantly, never take loans and keep monthly expenses like subscriptions to a minimum.
ok now i get it