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I like to share how i reach a 6 digit net worth as a uni student and also paying both poly and university school fees by myself
alittle a bit about my background, I was in a lower income family making under 500< per family member, growing up poor and did not have a lot of choices in life, money was tight and I was in FAS throughout my primary to poly days.
I work since I was 14 at fastfood as a PT worker, working to pay my school fees as well as allowance. Making about 5/hr Did taught me a lot about the importance of $ as well as how to manage some things.
At 16, I change job to do retail making at 7/hr, i also did have side hustle doing tutoring my peers as well as primary/low sec for 15/hr, also pick up event work and banquet for about 10-12/hr, as well as electronic sales for commission based work 500$ for a 3 day in a tech event.
At 18, I try to pick up trading which painfully I did burn nearly all my savings, which I had to double down more on part time work. I also did came back to work as a manager in fastfood making 11/hr, also create a few side hustles like dropshipping, reselling, thifting things which have a healthy profit margin.
19-20, I transition to a few internship in MNC, making about 800-1.2k per month, and I had to work PT in bartending 13/hr after internship to afford my school fees and allowance
21-22, stuck in army making 1k however I did have time to relearn trading in forex/stock/options/crypto
after ord, I had to build up my capital, I worked as a chef in a cafe earning 15/hr as well as bartending earning 15/hr in a club at night, still focusing on trading inbetween shifts and after. Once uni start i had to stop working as a chef due to time constraint. I still work as a bartender once/twice a week. I put all in more into trading, building up my portfolio to give me more dividends so i can stop working as hard.
23, I quit working and decided to go all in toward trading. I still had to learn along the way and improve my understanding and refinite my strategy. Trading is stressful but it paid well, I was hoping to slow down as soon as I reach my goal. I able to average about 5-8% per month.
24, i slow down trading and decide to go on to venture/experiment other side incomes, I have enough dividends/option rolling to support my lifestyle and school fees. I able to take on projects and build my resume.
Here somethings I do to help with maintaining my net worth
- avoid luxury goods
- travel like a local, don't over indulge in the experience of the countries (stop thinking that you can always earn back cause is a one time experience)
- avoid friends who will keep you poor (same birds flock together) especially those who frequently club/drink/hype cafes/shopping unneccessary in the sake of appearance/flex
- know how to be good with money like investing, thifty and not spending it like water
- set goals to hit and also reward youself so you wouldn't burn out
- get a partner with similar goals and lifestyle
#storytime #finance #goals #RealTalk #advice #university #money