I’m 32M, single, no kids, no house, living with a roommate to save money.
II feel like I’m too old to be living this way and I want to change. I also feel that I’ve come to the point of no return though.
People my age seemed to have figured it all out while I just screwed it all up
The first half of this decade has been a roller coaster. I finished a business program, got a job at a Fortune 500 company, I was then headhunted at a bank, got laid off. I was in a relationship with a great person. We spent 3 years together travelling the world and living the high life. Then almost a year ago we broke up.
Since then I’ve been spinning my wheels. I found a good job at one of the major banks here in Canada. But I’m not sure what I’m doing with my life.
I’m trying to recover financially from the lay off, pay off student debt, save money for a home. I have a roommate to help facilitate this for now. But I feel like I’m not much of a catch relationship wise to be dating.
Career wise I’m not sure where I’m headed. It’s a great job, but it’s a little junior for where I’d like to be and the career trajectory isn’t exactly clear.
I look everyday at homes that I can buy. I find really nice places that I’ll be able to afford. I keep imagining living there with a dog, meeting nice people in the community, and enjoying this life with someone, but that someone isn’t there and I’m not sure if they’ll ever be if I don’t get the other things taken care of.
I just feel lost. Not because I don’t feel capable. I’m capable, but I don’t have my “why”.
I’m 32M, making ~$90,000 working in Business Development for a wealth division at one of the major banks in Canada. As for my education, I have an Associates Degree in Business, but I don’t have a degree.
I really love my job. I’ve been working there for almost 6 months already and I’ve had nothing but positive experiences so far.
The salary could be better, but I have a good pension, amazing share options, banking product incentives, 5-weeks vacation starting, no mandatory RTO, and amazing health benefits.
Before this job, I was laid off for almost a year and while I don’t imagine this role will come to the same fate, I’m nervous I’ll have nothing to offer to another employer due to my lack of degree. I’m also nervous about future opportunities at the bank without a degree.
I feel like since I was laid off, I’m playing a game of catch up to my peers. I feel that I’m at an age where I’m young enough to realize a project like finishing my degree, but too old to not make a concrete plan.
I’m single, don’t own a home, I have student loans of about ~$16,000, zero consumer debt. So I’m not necessarily tied down to anything.
I’m a single 32-year old guy with no kids, no real commitments outside of my work, and looking for direction.
My career progression is still a big question mark, but I’m very grateful in that I’m surrounded by a supportive team in a great work environment and I make a healthy middle class income.
Outside of my career, though, I feel lost on what I should be focused on.
I don’t own a home, I don’t have a family, I don’t have a partner. While I want those things, I’m not in a rush. I don’t want to achieve milestones just “because”. I want my decisions to be purposeful.
I really value physical activity and health. I value financial stability. I value continuous learning and curiosity.
But it seems like at this age, everything is about keeping up with the Joneses. Status-based achievements. Yet, I don’t see that people are happy. I see that they’re stuck living a life that appears to be successful when really they aren’t truly happy.
I don’t want to fall down that trap. So I want to ask you, older Redditors, what should I be focused on at this age? How should I live my life with meaning and purpose?
I spent my 20s trying to figure myself out. I have very dysfunctional parents who didn’t direct me down the right path. I didn’t know how to manage my finances and I didn’t know what to do for a career.
I ended up fixing my financial situation and going back to school for a community college business program when I was in my later 20s. I cleaned up my debt and went from a 450 credit score to now 800.
I have a pretty important job at one of the big 5 banks in Canada that I got through networking and being good at relationship building.
But I’m still lost. I don’t have a degree, I don’t have a house, I don’t make enough money and I don’t know what to do and I’m scared I’m too old.
To add context, I’m single and I have no kids.
I’ve been working for 4 months as a business development associate at a Wealth Management firm for a major bank. I really enjoy the job, I enjoy my team, and I enjoy the projects we work on, but I’m not sure where this path will turn out for me.
I was asking my boss about becoming a financial planner, but she said that my role won’t lead down to that. She said there is a lot of growth within the company and that she anticipates that my role will take on more responsibility.
I asked her directly “that’s good to know, but is this role a dead end?” She told me, no not at all. How it’s structured now means that it’s a role with a lot of potential.
What does this mean? It sounds positive, but I’ve also been in previous dead end jobs that sounded like they were more important than they were.
I’m 32, I have a good job in BD for a wealth management firm. I’ve been here for 4 months and I have the equivalent of an associates degree in business.
I never finished a degree and never knew if I really needed to.
In my field I can get my licensing and become a financial planner. Our FPs start at $200,000 and can make up to $800,000 a year.
Since I don’t have a degree, the process is a lot longer but my job could pay for it.
Do I take this path? I have no idea if it’s what I want to do but I’m too old to not know and I don’t want to be 40 as lost as I am now.
I feel like such a mess and a bit of a loser. Not sure what I’m doing.
Talked to this super hot guy on Scruff this morning. He asked me if I was willing to meet right now and I said “give me 30 minutes and I’ll tell you to come over”.
Went to take a shower and get ready.. come back out to text him. He told me “sorry I’m no longer interested” and then blocked me.
I’ll be 32 in a month. I make $90,000 in a pretty decent field. I live in Montreal. I feel insanely behind in life.
Looking at others my age they have the newest condo, going on the best vacations, can wear the best clothes.
I’m sacrificing a lot to pay off debt and based on my debt calculations I should be debt free by March.
But I need to figure out something with my salary. In this economy, I don’t think anyone is doing well under at least $150,000
I’m 31, turning 32 in exactly one month. I landed to get myself a decent job in a Wealth Management firm. I make an $80,000 base and will probably make between $90,000-95,000 with bonus this year. I live in Canada, so while this isn’t a bad salary, it’s not a great salary.
I want to get into financial planning and I believe I can be great at it, but it’ll take schooling and licensing that will more than likely take me until I’m 40 to get.
How late to the game am I? I feel so stupid for not figuring out a path until now.
I’m 32 working in business development for a WM firm for a top 5 bank in Canada.
I’m interested in becoming a Financial Planner. At my firm, they want FPs to be licensed with their CIRO (Canadian version of securities licensing), CIM and their CFP.
I currently only have a college diploma in Business (the equivalent to an associate’s degree). I can still attain all of this licensing with my current education, but given that I don’t have a degree it would add a few more years.
Would this licensing be enough or am I in a tough situation without having my bachelors? Does it make sense at my age to pursue a bachelors? I’d be around 40 when all is said and done.
I have no idea if this is the right sub, but I thought I’d ask this here anyway. I’ll be 32 in a month. I really didn’t get my stuff together in my 20s. I didn’t know how to build a career and I had poor guidance.
I’m now looking at my path and it seems so behind. I finished an associates degree, I did get a really good job working in business development for a bank, but I can’t afford a home.. I’m not making a large six figure salary.. I don’t have an MBA or anything like that.
I want what my friends have but I’m scared that I missed the boat.
I’m 32 currently working in Business Development for the wealth management division of a major bank in Canada. I like the job but it’s entry level for the field. I make ~$90,000 a year, but the Wealth Advisors on my team make $200,000 starting and go all the way to easily $700,000 a year. Amazing money.
While I don’t have a degree, I have a college diploma in business (associates degree in the US). Advisors at my firm need licensing and eventually to get their CFP. All of which surprisingly you do not need a degree to get.
So is it worth it to go towards the licensing or towards finishing a degree?
Does anyone know what lounges this card gives you access to at Montreal Trudeau airport?
Quelqu’un sait à quels salons à l’aéroport Montréal Trudeau cette carte donne accès ?
Thank you/merci
I tend to believe that Montreal’s rental market is way over inflated and is unsustainable, but I also don’t know if there is a market that is easily taking on these rental prices.
Out of curiosity, I was looking at 1-bedrooms (3 1/2) in Toronto where I used to live and I see places going for $1300-$1700/month. A lot of which in the downtown core.
These prices are what landlords in Montreal are currently asking for rent. Mind you, we make far less money both in salary and in net income than people do in Toronto.
What is going on?
I’m 32 and I’ve been single for almost a year after a three year relationship. I finally feel ready to start dating/hooking up regularly.
The problem? I can’t find anyone that I remotely find attractive. There are so many guys that give me the ick.
I either find myself being harassed online since I’m new meat or I’m talking to guys that have zero ability to converse which is equally as unattractive.
Then there are those that are interesting, but they play games of being hot and cold. One day they want to hook up, the next they say they only want a relationship, the next they’re not interested, then like clockwork they pop back up when they’ve realized that they still haven’t found “Prince Charming”.
I find it all exhausting and a massive waste of my time.
This BS made sense in my 20s when we were all immature players, but in my 30s encountering other 30-somethings like this, it’s discouraging.
I’m a later-millennial (born in 1994) and I notice an interesting trend with my age group. We all complain about the unfair advantage boomers have had to us, the cost of living, our inability to save, our low stagnant wages and while all of this may be true, we also all live WAY above our means.
Not only do we live above our means, we do so pretending like we have those means which I find so disingenuous. The number of people I know who travel more than once a year in FIRST CLASS. The people who live in condos they can’t afford. Buying vehicles they can’t afford. Shopping constantly for the newest clothes at the most expensive prices. Why???
And sure, some people may be trust fund kids or in some high-paying tech job, but this is by far the minority of my circle. Regardless of how much money they have access to they’re still putting their money into frivolous objects that bring them no return while there are cheaper long-lasting alternatives all while complaining that they’ve been hard done by in this economy…. The entitlement is out of this world.
If we were all more honest about our lot in life, worked together to be more financially responsible, and spread that message amongst our peers, we’d be doing so much better as a generation.
I’m 32, I currently work in a client-facing BD role at a WM firm at one of the Big 6 banks in Canada.
I love my current position. I get to work with our branches and have those first KYCs with our clients. I also work closely with my FPs who have allowed me to shadow their planning processes and how they close with their clients. So far, I’ve already brought in $5MM AUM to the firm.
While I’m doing well on the BD piece, I would ultimately like to go down the planning route. I figure that with all the certifications I’d need, plus going back to university to finish a degree that I never completed, I’d be fully certified by around 38-40.
My question is, is this too late to the game? Some of my FPs are bringing in $600,000/year. Would I even see this level of income starting at 40?
I’m 32, I currently work in a client-facing BD role at a WM firm at one of the Big 6 banks in Canada.
I love my current position. I get to work with our branches and have those first KYCs with our clients. I also work closely with my FPs who have allowed me to shadow their planning processes and how they close with their clients. So far, I’ve already brought in $5MM AUM to the firm.
While I’m doing well on the BD piece, I would ultimately like to go down the planning route. I figure that with all the certifications I’d need, plus going back to university to finish a degree that I never completed, I’d be fully certified by around 38-40.
My question is, is this too late to the game? Some of my FPs are bringing in $600,000/year. Would I eve see this level of income starting at 40?