u/iyoteyoung

Anyone else been but in the super late start group 4? Apparently starting time is anywhere from 8am…….which means we’ll not even be halfway (10am) and the heat will really be out in Sydney!

Is this correct? Are there any later groups? I had mentally prepared to start at maybe 7am latest and be battling the sun at 10am for the last one hour. But now it looks like I’ll be cooking from 18km onwards truly scared.

I’m definitely going to Chiang Mai but wondering what other city to add before crossing over into Laos. I’m looking to relax mostly but am open to day hikes and viewing temples and learning about history at museums. I just don’t wanna move around too much so it’s currently

Bangkok -> Chiang Mai -> Pai -> Chiang Rai -> Chiang Khong for slow boat.

Is it still possible to travel internationally frugally?

The first logical thing seems like it would be to go domestic but that’s actually very expensive (accomodation, petrol etc).

The next course of action is Bali or somewhere in SEA. Tell me why flights are $1000 return whether it’s next week or 6 months out.

I know travelling is a privilege so doesn’t need to be accessible. I just want to take a holiday. (I’m trying to get into camping which is the cheapest of all but whilst I’m gaining confidence to do that solo looking at alternatives). I also enjoy seeing other cultures.

I don’t want to quit my job and spend my life savings but my 20s will pass me by waiting for this deposit to amount, upskilling etc. So I’m looking for the best of both worlds. (Can’t live at home by the way!)

The first logical thing seems like it would be to go domestic but that’s actually very expensive (accomodation, petrol etc).

The next course of action is Bali or somewhere in SEA. Tell me why flights are $1000 return whether it’s next week or 6 months out.

I know travelling is a privilege so doesn’t need to be accessible. I just want to take a holiday. (I’m trying to get into camping which is the cheapest of all but whilst I’m gaining confidence to do that solo looking at alternatives). I also enjoy seeing other cultures.

Everyone on here says you need at least 40-50 mile weeks for 12 weeks pre marathon or even 30 mile weeks for a good half marathon time, but everyone on the internet does it in much less! And no they don’t have a running background. And these are women by the way (a sub 3:45-3:50 is amazing for anyone but let’s not pretend about the gaps for men and women! That’s an incredible time for a woman with little training considering Boston is like 1:30!)

I’m 23 and have been working for 8 months, barely wrapped my head around investing but understand in the long run I will see growth and that ETFs will outperform me buying random stocks. I bit the bullet and decided on DHHF.

One thing I wish is that I started in uni. I always saved 60% of my income (was lucky to live at home) now I’m out of home so can only invest $100/month. I have a grand right now.

My little brother is 19 at home no expenses and takes after me saving diligently and using that savings to travel. I want to encourage him to still enjoy life and go on exchange during uni, party etc but maybe take 10% of that 60% savings and put it in ETFs. After saving an emergency fund of $1000.

Is this good advice though? Is investing such small amounts worth it? I feel I myself am already putting negligible amounts.

I just want to set my brother up, I’ve done all this reading and I want to share it with him (parents aren’t into this stuff and don’t understand grit and hard work will no longer see you through).

I’ve told him not to put more than he can bear parting with (for 7 years at least). And stressed he should have at least 1K emergency fund (I know this is extremely low but he lives and home and honestly will for years to come!!).

I’m 6 months post grad and I’m looking to live in the UK for 12-18 months. London would be nice but I know most hospitals don’t offer accomodation and we don’t get payed enough afford it otherwise.

I’m a UK citizen so I understand I’d need to apply for working permits etc (never lived there since birth).

Is it a better idea to get a permanent job or to locum? Locumming would let me travel but good luck getting housing without stable income.

I’m worried I’d face burnout and leave the UK more jaded than I came. I also know moving somewhere doesn’t necessarily mean you’ll travel more or like it the way you did on holiday!

This is a finance sub, so I had to frame it like that. But how are we feeling about the strikes and what could an increase (and what amount) would alter your current financial goals?

I’m a new graduate and the pay is roughly $33 an hour compared to $38-$48 in other states! I thinks abt how much mote I could invest but also enjoy in life. But I’m single with no dependents. Just wondering how those with families and responsibilities (aside from rent of course) are coping?

Long story short Victoria do not value their allied health workers and as a new grad I’m on $33 whilst in WA or QLD I could be on $46 & $48 respectively.

I know money isn’t everything but I live out of home anyway and want to save more. And look into to investing but also be able to eat out occasionally etc.

But after all is said and done I wonder what getting paid that much more would really do for life as money really never is enough (look at every second person on this sub earning 400K a year and crying poor, saying they feel below the poverty line).

My only issue is I’m not white. In Victoria (specifically Melbourne) I’m a majority in certain areas so haven’t really experienced racism. There’s heaps of us and our food is appreciated (lol). But I know qld is quite conservative (Pauline Hansen) and WA is just very isolated.

Before I begin please don’t suggest moving home, it was toxic and almost took my life…..well almost made me take mine. Please and thanks!

What do you think I can do to not disadvantage myself compared to those who are able to live at home (almost completely cost free). Or are lucky enough to have a partner! I work somewhere with lots of immigrant background colleagues who are able to save almost our entire 2K check each fortnight!

Here is my current breakdown:

So before I moved out when I started work I had 20K saved (travelled a lot during uni and did a 10K trip before starting work). Also had 5K emergency fund. It’s been 8 months out of home and here’s what’s happened and keep in mind I’m only on $33 bucks an hour (thanks Victoria allied health)

$2.7-3.3K before tax, usually 2200/fn salary, $2000 after salary packaging

Each fortnight:

$1K towards house fund in HISA ($26K total)
$50 to invest (1.1K so far) Betashares DHHF
$400 to emergency fund (5K will build to 7-10K)
$100 to for car related things (rego insurance, savers) professional insurance etc.
5% (so ~$100) to travel (as somebody who loves to travel this is painful!
$500 to rent!*

That leaves me with $40 a fortnight

BUT I salary package!

Salary packaging:
$350 from salary packaging is for groceries, fuel transport (don’t usually finish) medication etc.
$106 is “meals and entertainment” so I use this to do things with friends as it unfortunately usually involves eating!

*Rent is $1000 in Melbourne sharehousinh (only 10 mins from work!) but struggling to find a new place 750-900. But I appreciate the little commute!

Feels like after a 4 year degree I shouldn’t be struggling to do the very basic stuff. I’m not asking off a European holiday, a brand new car or new outfits to hit the clubs every weekend. I just want a safe simple future - a roof over my head

I see this comment 10 times per day on this sub. And not just for us poor folk starting out work - even those with multi million dollar property portfolio’s or those with 1 PPOR and 1 IP.

Everyone wants to leave because it’s not “like the old days”. I’m annoyed too that a house is 15 times my average (70K) income. I just started work and it feels so hopeless but these are the cards I’ve been dealt. So I’ll ETF, max out my super and see where I am in 5 years.

It’s not any better in other western nations like US or UK so where are you guys going……Bali? To put them in the same situation we are in when the government allowed foreign (non-citizen) investors to snap up property?

I don’t think immigrants or migrants caused the crisis I think it’s the governments lax laws around property - it was lucrative for so long. And for people who had NEVER stepped foot in the country! I don’t care about immigrants who are permanent residents or citizens buying houses, as many as they want (so leave xenophobia out of it).

I looked into Canada but I’d have to sit CAMRT test as qualifications aren’t recognised.

I just want to experience living in London and being close to mainland Europe. Although I do know the grass won’t be greener on the other side. I’ll barely make enough to survive and the NHS sounds like a beast compared to Aus working conditions.

I’ve been told I’d be better off getting a hospitality job as a bartender to have an okay quality of life.

Is it really that bad? I’m under 25 atm and just want to travel and see what living in London is really like.

I know I’m crazy because so many Brit’s move over here as it’s “better”

I’m young (and Australian so don’t say Australia!) and want to do a working holiday visa in a couple of years,

Originally thought UK but the working conditions in NHS seem atrocious. I’d want to move there to experience life and so I can travel more! Getting burnt out at work seems counterintuitive. Also I acknowledge cost of living is astronomical and I’d be saving zero to none.

Canada is another option but I found out I would need to sit CAMRT test as my qualification isn’t recognised!!

Open to other suggestions. Unfortunately I only speak English :/ under 25 if there are any schemes like that……

When discussing changes to CGT in new budget, the tax brackets not being aligned with inflation or indexed is something that’s come up a lot so I’d be curious to see what everyone thinks!

18K is a very low tax free threshold now that I think about it

I have a friend who studied post grad medicine. He is PGY3 this year and got into radiology this year at a metro hospital in Melbourne. (Relevant because it’s a “desirable” location so should be “harder”) He’s not the only one - all other new program members are PGY3. I do acknowledge that they’re a small percentage of their graduating cohort so that’s not the case for everyone.

On the other hand at this same hospital a year 5 reg Ortho surgeon did 5 years unaccredited before getting on the program but that is surgery and she is a woman (if that means anything!) and she did undergrad so was only 35!

Every post on here says in the last 2-5 years (range varies) speciality training has become increasingly difficult to get into and they’re greatly they’re not in medical school now. Essentially being a consultant shouldn’t be an end goal and unaccredited positions will be forevermore etc.

I won’t even start on people saying the money is not what it used to be.

Is it oversupply of grads? Or the fact consultants are rarely 1.0 FTE and most leave the job by dying not retiring?

Is this sub just bias to hating med (because they’re in the thick of struggling to get training, doing the long hours, working away from home) or is it just not good at all?

EDIT: edited for grammar as I was getting roasted in the comments

I’ve been told over and over on here that the fees will eat into my measly amount I put away each month ($100). When I’m able to increase to $200 a month is that enough to justify the ETF fees?

And for those investing lower amounts such as $100-$200 a month would opening a vanguard be worth it or should I stick to some “pocket” version like raiz, pearler or commsec pocket?

I just started full time work 5 months ago and I’m building my emergency fund to 5K but once that is done I’ll begin investing the amount that was going to my emergency fund (10%) and put the old investment amount into emergency fund ($50/fn) into emergency fund (so that it’s still growing but slower!).

Live at home but may move out for 6 months as have an opportunity to rent friends house near cbd.

I want to do post grad med, but I also acknowledge it’s not just 4 years. It’ll be rewarding but with sacrifice and as a mature age student it’ll be the rest of my 20s where I’m a little restricted with what I can do (moving, travelling etc.)

In 23 (so 24 if I get in for next year). Currently I’m New grad allied health, employed for 6 months,
haven’t yet got gamsat results for march and if they’re above the minimum I’ll apply.

I just am not sure whether I should stay in this career I have no zest for in order to travel and work for a few years in the UK or Canada. That’ll take me to 27/28 but there’s no guarantee when I return I’ll get into med straight away!!

I also acknowledge I could change my mind and not do med as I find out more about myself which is okay.

I travelled quite a bit in undergrad about 6 weeks each year overseas. Now I’m working my desire to travel is none but I’m worried it’ll come back and I’ll feel like I wish I traveled more or got to experience living overseas before med.

As I’ve travelled a bit i don’t over romanticise it and it could be a bust - and the NHS is NO picnic! I’d be better off in hospo. Then I’d regret not starting med earlier.

I acknowledge you can travel in medicine (fellowship can be completed overseas) but I’ll be 35 with different priorities.

I also acknowledge people travel during med school (Europe every year) but I am NOT from an affluent background and the sacrifice I’ll have to make to be in med school is keeping my head above water paying rent and surviving an unpaid placement etc.

I really wish allied health had exchange (I know med doesn’t genuinely some schools have placements but not all!) because I think that would’ve fixed this itch once and for all!

I’ve seen people advise PGY3 can be taken off but that’s 6 years away for me (if I get into med that is). I don’t want to travel now but I worry at some point I will as I have many years of my 20s left!

Been feeling depressed about being single again. I’m only 23 but it’s bleak.

I asked my friends whether relationships made them happy and I found out a lot of them lacked self confidence beforehand or didn’t practise some basic hygiene (now encouraged by partner).

Other people didn’t go to therapy until forcibly drives.

I know my friends aren’t everyone in the world and we are relatively young but if they admit they found happiness and health in their relationships - aren’t I really doing in hard as a single?

I feel like a strong person so to speak as I’m getting up everyday and doing the same thing….

I’m no longer depressed about being single but just slightly annoyed that people can’t fathom taking care of them selves or self esteem unless they’re cuffed!

I’ve asked a few friends and the general consensus is…..the relationship has made them take better care of their health and actually take steps to make those appointments or see someone (physical and mental).

I thought we were all trying to be healthy😭 I just feel annoyed that I’m able to do this stuff alone. Like competence.

I know I’m just a bitter single

TL;DR why can’t most people function without being in a relationship

I’m once again struggling right now with being single. I’d worked through my issues and have come to understand a partner won’t make your life better, you need to have a good baseline and be content with life on your own etc.

I’d accepted right now I need to do that and learn to live as an adult alone, and make the most of Melbourne life! I also realised the wrong partner can ruin your life. But then I saw this reddit thread about moments that split your life into a “before” and “after” and a lot of people said meeting their husband/wife. Like people attributed their better mental health, better financial habits and overall lust for life to their partner. Some even said life was worth living.

So those of you with partners could you answer these questions:

I’m taking a survey, thanks for participating.

1. Would you say having a partner has made your life better (happier) or is more neutral.

2. Is there a “before” and “after” in your life like your life is split into two parts (like it would be following the death of a parent or another traumatic event)

3. Is it really convenient having someone to pick up half the mental load or not really?

4. Would you say your trajectory of success has changed? (I.e I guess if you live together you’d half expenses so save money. but if you don’t maybe they’re a financial whizz and explained how to invest/super or they stop you buying things lol OR they encouraged you to go for a promo at work). Or they made u go to therapy and get on lexapro lol. Or maybe they’d made you more studious or they do flash cards with you.

5. Do you fear never being single again? Or what do you miss about it/wish you did?

6. Do you really think you guys will be together forever or is that something people just say? How do the statistics not give you anxiety?

TL;DR people whose life is better with a partner how so? Is it really life on easy mode…..especially in this economy?