
I am going to provide a piece of strategy that very few people in the history of this world likely will ever be able to verify. When you have multiple degrees from top ten global universities, worked for nearly 100 Fortune 500 companies in one capacity or another, have numerous professional certificates and licenses, have leadership experience, an internationalist who have seen it all, you rarely have to prove to anyone at all your abilities. For the regular person, it’s all about managing expectation of everyone around you. What is important here is, keep in mind, you will likely only work for around 40 years in your life. This sounds a lot but it really isn’t. Make sure you always have FU money to say no to things that will not be advantageous to you. I think the easiest way to accumulate savings for a regular employee is not through savings in the traditional sense, it’s actually through 401K. Many employers will match a percentage of employee contributions and there are quite a bit of tax benefit with contributions for the contributing employee. In today’s day and age, jumping around a bit is one of the best ways to get career advancement if you are good at controlling the length of employment just long enough to not be considered a job hopper and not long enough to be considered an overstayer. In this day and age, an employment length of six months or a year is not that frowned upon anymore if you have a good reason for it and you don’t do this for every single job. Most people escape bad managers or dead-end jobs but obviously that is not what many future potential employers want to hear.
My best advice regarding work life balance is people and organization will likely take advantage of you by giving you more work if they can. If you can, get advanced degrees and professional licenses to boost your marketability on the job market hence making people and organizations think twice before pushing more work to you risking you quitting. If you can’t do any of that, learn as much as you can on the job when you can and try to get some easy to get, inexpensive to obtain and relevant certificates for your profession. Don’t try to achieve too much in your job, it will be significantly harder to do so than trying to piece meal achievements and learn the skill sets at multiple workplaces. The younger generation are switching jobs every 2+ years or so nowadays. I recommend two years max at a job that offers you no significant growth opportunities. Remember the biggest pay bump usually happens when you get hired by a new employer even for the same title you had before at your current company and not from the regular pay annual increases from your current employer.
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Here is what I posted previously regarding this and similar topic(s).

I don’t think neither entrepreneurship nor working for others are the best options. Entrepreneurship typically takes a lot of skills, experience, effort and resources to succeed. From an average expected value standpoint, entrepreneurship is a losing game for the vast majority of people. Depending on your definition of a successful entrepreneur, I would argue there probably are more moderate to major jackpot prize winners in various contests in the US now than there are actually successful entrepreneurs. That’s probably not a coincidence. For every successful entrepreneur, there are probably thousands of less successful ones. Besides controllable factors, there are tons of uncontrollable market risks such as bad timing that can devastate a new entrepreneurial venture. The risk of failure are extremely high for a new venture. Working for others appears to provide a stable income, however, it usually comes with less flexibility, lower ceiling in potentials and doing something potentially one find meaningless. For these reasons, I like the Mezzanine approach. The difficult part about implementing the mezzanine career approach is the work-life balance part. How can one still remain desirable as an employee on the job market when one is looking for a job and keeping a desirable job after being hired for a position while at the same time also be successful in entrepreneurship activities. This may take a lot of navigating in many different aspects.
Most people don’t get rich from working for other people. Some people will point to the highest paying major professionals like doctors And to say medical doctors are rich. While doctors on average make a great salary on average at around $400K a year, most doctors also have to go through 10+ years of post high school education and become doctors if they qualify after meeting various rigorous criteria in their 30s. Most doctors also have 300K or more in debt before they even become doctors. If one were able to work the approximate ten years during or after college and save that money in a 401(k), just based on market appreciation, an annual total 20K contribution (including contribution from the employer) at average calculated market growth of around 10% growth in 15 years will be $600K+. It also comes with tax advantages which I will not discuss at this time. An HSA for those who qualify in addition to a 401(k) for those who qualify could potentially be even more tax advantaged. Anyway, by the time the doctor pays off his or her debt, the non-doctor already has likely $600K+ in retirement account savings than the doctor has. Because there is a limit in tax advantages 401(k) annual contributions by a person while working for an employer, the doctor can not simply catch-up in 401(k) savings the regular way (unless we are talking about catch-ups exceptions at certain age) by throwing money at it. What this means is even if the non-doctor does not contribute anymore to a 401(k) plan after they saved $600K+ in 401(k) their money will grow to at least a few millions after 30 years more than enough to live comfortably in retirement. Ultimately, neither of these above methods will help one get truly do whatever you want wealthy.
Doctors will probably cave in social pressures to live a relatively expensive doctor lifestyle which due to political correct taboos I will not detail what this may entail here. It will likely not be a cheap lifestyle and likely not all being enjoyed by the doctor but rather by those who I also will not talk about due to political correct taboo reasons. Most doctors are not business professionals and while they are busy treating passions like professional athletes trying to be the best in their sport, there may possibility be people who may or may not be taking advantage of them financially for which I will not state due to social contract reasons. Point being, being wealthy may allow one to have the discretion of stop working and doing whatever they like, when whenever they like and however they like within a legally compliant manner within certain acceptable boundaries. That is what have FU money is all about. Being wealthy also means having the influence to exact changes to one’s advantage frequently utilizing other people’s and/or entities’ resources legally. The biggest issue with employees is they are essentially paycheck to paycheck without reasonable certainty of their employment status from one day to another either due to controllable and/or uncontrollable factors. They are essentially exchanging one valuable resource which is their precious time for another valuable resource which is money.
Employees only make what they earn when they use their own valuable time to own them, therefore they can not employ capital inefficiently in this endeavor without, you guessed it, expending more time. The whole time value of money concept is really meant for money to work for you passively without you intently expending your time. Money when managed right is the best, drama-free, salary-free and low-maintenance employee ever. I am not advocating for entrepreneurship alone. The reality is having a stable paycheck is great. Many successful entrepreneurs worked for other people before they became successful themselves. It is also important to have startup capital and experience which could be obtained by working for successful companies for a number of years. The social element is also important too as having coworkers to communicate everyday helps keep one within mainstream society and (mostly) helps maintain a stable mental help and help stay away from depression due to loneliness. Many ideas are created by seeing things in action and realizing a problem and a solution through social interactions. Great ideas usually don’t get created in a vacuum.


















































































