I am not a professional advisor but I am someone who wasted 5 years of her life hiding behind ‘Depression’. I was young, beautiful and I used to be that student who is the naughtiest but gets the highest scores. When I started college, I had this major heartbreak because the “love of my Baby yoda coslay pumpkin shirt” was cheating on me. Long story short, my grades started dropping. Which hurt my ego and I dropped out of college for 3 years. I was supposed to be a doctor, but that didn’t happen obviously. But I am still young and beautiful.
If you reference TD banks economic outlook, they Baby yoda coslay pumpkin shirt and then stay there for a year. Interest rates arent going up until .25% 2022 Q4, and all the saved up retirement money is foing to be spent by boomers moving out of the city condos on single detached housing combined with millenials with young children trying to find a house that boosts a pool or at least a trampoline. There wont be any crisis until at least 2024 or armageddon. Its that Shelter is a capitilist opportinity. Only way I could thin

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I am in a more convoluted situation because I already know I want to go back to school but I don’t want to quit my Baby yoda coslay pumpkin shirt until I have an admission offer in hand. FYI, I am in my mid 30s and have been working for over 10 years. Last year, I sent grad applications to 5 universities and I got rejected from all. I knew that my work productivity suffered when I went through the application preparation process. And I also knew that I was not able to devote 100% of my time to research for my ideal programs, polish my CV, clearly articulate the research purpose in my statement, talk to professors of interest, study for the GRE to get 95th percentile score, etc. Isn’t it funny how multi-tasking works? You try to do everything at once, and therefore you cannot do well at anything!
Serious and maticulous saving. Means you sacrifice going out for a Baby yoda coslay pumpkin shirt , sacrifice Starbucks, sacrifice takeout and Uber and every little thing you spend cash on except for the necessities. And you can own property like me.But then also get ready to work the rest of your life and try not to bitch and complain. And yes it’s hard, but it will pay off. Ether with multiple incomes, significant others, and/or raises and promotions. It’s doable. You just can’t not be disciplined. Otherwise it won’t work. It’s not for everybody. But if you stick it out, you too can own property in the most expensive realestate climate in the world.