finding out what career i wanna do

[overeitherway]

sadly I can't be a neet for certain reasons, I have no choice but to work, the least I can do it plan things smartly to retire early or just not work as much, anyways deciding on a career is hard, I don't wanna be a minimum wage wagie ofc, I don't have any expectations to get my self some high tier job from studying at university cause i'm too low IQ for that, for now i'm mainly focused on trades but i'm afraid to get into them cause you have to work long hours in the ones I wanna do and man doing something you don't even like for long hours is gonna take a toll on you

but tbh I just accepted the fact no matter what your gonna have to work a lot if you wanna make decent money, even with jobs that are considered successful like being a lawyer or doctor, you have to work really long hours plus you had to go to years of school to even get into them, the only exceptions is if you have some comfy tech job at a big company

 

[overeitherway]

@OccitaNEET

 

[MelaninQueen]

cause you have to work long hours in the ones I wanna do and man doing something you don't even like for long hours is gonna take a toll on you

you literally live in the us and trades are a breeze there unlike in many other parts of this planet. YOU literally LIVE IN EASY MODE, kiddo. so stop complaining son and get some fucking worthless paper dollars and i suggest you living off the grid as soon as you're able to.

 

[overeitherway]

you literally live in the us

I don't you retarded mudslime

 

[MelaninQueen]

I don't you retarded mudslime

then kill yourself. i'm glad knowledge like gnosticism is out of your reach.

 

[overeitherway]

holy 0

 

[Alatrist]

holy 0

since your island's army consists of 1 regiment i reckon you join them and die in the upcoming venezuelan invasion

 

[OccitaNEET]

high tier job from studying at university cause i'm too low IQ for that

Good. These jobs sucks imo

i'm mainly focused on trades but i'm afraid to get into them cause you have to work long hours

The hours arent actually that bad, much better than retail imo
Although youre a thirdie so you should check regulation in your country

in the ones I wanna do

Which ones would those be ?

if you wanna make decent money

Before making more money, you should focus on reducing your spendings as much as you can.
Spend less > need less > work less
I want to make a thread on that later


I know where you live, so i might check which trades are common, or needed, over there
Im interested

 

[overeitherway]

Good. These jobs sucks imo

yea but they pay a lot, I recommend it for anyone who has the IQ to achieve it

The hours arent actually that bad, much better than retail imo

I don't wanna do it cause the pay is shit lol

Before making more money, you should focus on reducing your spendings as much as you can.
Spend less > need less > work less
I want to make a thread on that later

saving is cope, first thing's first is increasing your income, no one ever became rich from saving, not saying to doesn't help btw but it isn't a sole factor, also financial intelligence and being financially smart and just being cheap are not the same thing, people confuse them a lot

 

[OccitaNEET]

saving is cope, first thing's first is increasing your income

Its both
Earn more + spend less = no worries

no one ever became rich from saving

But many become/stay poor because of terrible spending habits
Too lazy to type it all out so lets ask AI:

Spoiler

Question:

Ive heard that many american live paycheck to paycheck, but some of them have high income. Can you tell me more about it, and cite the sources ?

Answer:

Yes, it's quite eye‑opening: many Americans live paycheck to paycheck—even in the highest income brackets. Here's a breakdown:

---

National Overview​

• 53% of Americans report living paycheck to paycheck according to LendEDU’s 2025 survey (lendedu.com).
• Bank of America data indicates about 30% of households spend 95% or more of their income on essentials, effectively living paycheck to paycheck (cnbc.com).
• Meanwhile, ~26% spend 95% or more of income on basic expenses .

---

Income-Level Breakdown​

LendEDU (2025) shows that:

• 72.8% of those earning under $50K live paycheck to paycheck
• 44% of those earning $50–99,999
• 32.3% of earning $100–149,999
• 20.6% of households earning $150,000+ (lendedu.com, axios.com)

CNBC/Wills Towers Watson (2022):

• 36% of individuals earning $100K+ live paycheck to paycheck—double the rate in 2019 (cnbc.com, bankrate.com).

LendingClub/PYMNTS shows variation:

• 48% of Americans with > $100K in income lived paycheck to paycheck in early 2022—a rise from 2021 (ir.lendingclub.com, cbsnews.com).
• A Business Insider–cited survey found 51% of those earning $100K+ were living paycheck to paycheck by December 2022 (bankrate.com, businessinsider.com).

Bankrate data:

• 24% of workers making $100K+ report living paycheck to paycheck (bankrate.com).

---

High-Income Households​

Despite their earnings, many higher‑income Americans face high expenses:

• 20% of households earning $150K+ spent over 95% of their income on essentials (ir.lendingclub.com, cnbc.com, axios.com).
• 36% to 40% of earners with $100K+ are in this cycle (cnbc.com, lendedu.com).
• 30–36% of those earning $250K+ also live paycheck to paycheck .

Real-life financial stress stories illustrate:

• A couple making over $200K still feels stretched and cuts leisure expenses (kiplinger.com, businessinsider.com).
• A 77‑year‑old trucker earning over $100K still hasn’t saved enough to retire (businessinsider.com).

---

Why It Happens​

Key drivers include:

1. Lifestyle inflation
   High earners often increase spending as their income grows—counterbalancing financial gains (businessinsider.com, cnbc.com).
2. High fixed costs
   Expensive housing, large mortgages, utilities, childcare, and auto costs eat into budgets (en.wikipedia.org, cnbc.com).
3. Perception vs. reality
   Some consciously choose to spend nearly all income, even if they can technically cover essentials—defining “paycheck to paycheck” not as inability, but earning-to-spending parity (cnbc.com, cbsnews.com).

---

Summary​

Income Group	% Living Paycheck to Paycheck
<$50K	73%–78%
$50K–$99K	~44%–65%
$100K–$149K	~32%–50%
$150K–$250K+	~20%–36%

• Over half of all Americans live paycheck to paycheck.
• Even among $100K+ earners, roughly 30–50% are in that cycle due to lifestyle and fixed costs.
• Among the $150K–$250K+ bracket, still 20–36% are stretched monthly.

---

Why High Earners Still Struggle​

• Lifestyle creep: More income means more spending—often on housing, travel, cars.
• Fixed expenses: Larger mortgages, childcare, insurance… these all rise with status.
• Different definitions: Some can pay essentials but don’t save—they see living paycheck‑to‑paycheck as any month with zero leftover.

---

Final Thought​

“Living paycheck to paycheck” isn’t solely an income issue. It's a financial behavior and lifestyle phenomenon. Thoughtful budgeting, debt management, and saving are vital—even for high earners—to avoid this cycle.


Let me know if you want deeper dive into solutions, comparisons, or demographic breakdowns!

it isn't a sole factor

Obviously

I don't wanna do it cause the pay is shit lol

Not always, some tradies make more the officecucks. (But not always, of course)

 

[overeitherway]

Not always, some tradies make more the officecucks. (But not always, of course)

I meant basic wagie retail jobs not trades

 

[OccitaNEET]

I meant basic wagie retail jobs not trades

Ah my bad. Im a bit tired