Work/life balance rethink. A shift in general attitude?

413x said:
The people I know who got on the housing ladder early are absolutely creaming it. They either work hard and are minted. Or they have an easy life and loads of free time.

Most got it via inheritance. But a few did it on merit. Its a massive leg up!
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That's another thing to be wary of - I've met so many people that got a leg up via others charity and still present their personal situations as wholly their own.

Folks if you feel inadequate due to the possessions / experiences of other in your life (or on here) it's possible they are simply not telling you that daddy gave it to them lol
 
I used to travel the country a lot in my previous job a few years ago, leaving on the Monday coming back on the Friday etc. I was hardly seeing my toddler son growing up and having no energy at home during the weekends. Then an opportunity arose to change job which meant no more travelling, moving to the Highlands for a new life, bigger home and land, less responsibilities etc. It was definitely better for the family but I enjoyed my old job, admittedly a somewhat feeling of self-importance and still miss it years on. However, I would never sacrifice where and what we have now to go back to it, although at first I may have been a bit resentful at giving up my career, so be careful of that.
 
Superficial said:
question the early life pension payments and consider the passive income option: Buy a property and let it out or invest/start your own business.
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Lol yeah “hey young people! Just buy a house to rent out like us boomers did, it’s easy!” :rolleyes:

Meanwhile in the real world, I wonder if the younger generation that have little hope of getting on the property ladder are also being pushed towards this attitude of low career goals. If you were 20 odd (anyone on here?) it must be fairly soul destroying thinking you could climb the career ladder pretty well and unless you’re lucky, get inheritance, win the lottery etc you just might never get a place of your own to show for it. More importantly, you’ll spend your days paying more and more to landlords and seeing any gains in salary soon thrown down the drain. I dunno, just thinking out loud.
 
Scam said:
Lol yeah “hey young people! Just buy a house to rent out like us boomers did, it’s easy!” :rolleyes:

Meanwhile in the real world, I wonder if the younger generation that have little hope of getting on the property ladder are also being pushed towards this attitude of low career goals. If you were 20 odd (anyone on here?) it must be fairly soul destroying thinking you could climb the career ladder pretty well and unless you’re lucky, get inheritance, win the lottery etc you just might never get a place of your own to show for it. More importantly, you’ll spend your days paying more and more to landlords and seeing any gains in salary soon thrown down the drain. I dunno, just thinking out loud.
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Us boomers? LOL Im 41 and finished paying for my flat when I was 36 trust me son I live in the real world. And I and I OBVIOUSLY wasn't suggesting just using your pension payments would be enough - how could it be? The point was to contribute towards an INVESTMENT which is why I said exactly that with a view to a passive income OVER a pension in later life. It's called buy-to-let and homes are still very cheap in many parts of the country outside of major city centres. But staying within city centres I wonder how many here know how much you can make with AirBnB in short lets - they make BTL look like a joke.

In my case I used the free accomocation I got from my parents in my 20's to start an IT Support business and used the proceeds to purchase my flat all of which was possible because of the support I received from parents letting me stay rent free....which is MOST young adults. If that's a little much ok - but if you have siblings or good friends you can go in with them.

Listen reading comprehension is clearly not your strong suit so don't worry about it...it's all a little too much for someone like you just continue making snide comments on the web it's all you're good for.
 
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200sols said:
Pensions can provide a passive income.. buying a second property to 'let out' is out of reach for most.
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But sacrificing early pension payments with a view to using those funds for an "INVESTMENT" can be a consideration particularly if you're financially comfortable and/or you're young enough and forward thinking enough with the correct acumen (if you can stay with your parents like a lot of young people do you can save too). Which is exactly what I said.

I sacrificed I did it and currently reap the rewards.

Sorry this was not advice for everyone and, yes, for a lot of people it's not viable ( I didn't say it was).

For me locking away those pension payments for a meagre tax benefit when they could help towards an invesment was not the way to go and I'm glad I used my early years to consider my options.
 
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Superficial said:
Us boomers? LOL Im 41 and finished paying for my flat when I was 36 trust me son I live in the real world. And I and I OBVIOUSLY wasn't suggesting just using your pension payments would be enough - how could it be? The point was to contribute towards an INVESTMENT which is why I said exactly that with a view to a passive income OVER a pension in later life. It's called buy-to-let and homes are still very cheap in many parts of the country outside of major city centres. But staying within city centres I wonder how many here know how much you can make with AirBnB in short lets - they make BTL look like a joke.

In my case I used the free accomocation I got from my parents in my 20's to start an IT Support business and used the proceeds to purchase my flat all of which was possible because of the support I received from parents letting me stay rent free....which is MOST young adults. If that's a little much ok - but if you have siblings or good friends you can go in with them.

Listen reading comprehension is clearly not your strong suit so don't worry about it...it's all a little too much for someone like you just continue making snide comments on the web it's all you're good for.
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It's a huge assumption you make that because you were able to remain in your parents home rent free, the same applies for "MOST" adults. Do you have any evidence to support this ?

Suggesting people should be "investing" in extra properties via BTL is utterly toxic and frankly disgusting. It is exactly this kind of mentality and behaviour that has helped create the housing crisis we are suffering right now.
Housing is not something that profit should be made from and given the short supply of affordable housing, you recommend a course of action that would deny others of the chance to own their own home?

Good use of the "son" move to try and talk down to someone like they're a child.... Oh and let's not forget that little passive-aggressive tirade at the end there. - What was that you were saying about snide comments? :rolleyes:
 
Superficial said:
But sacrificing early pension payments with a view to using those funds for an "INVESTMENT" can be a consideration particularly if you're financially comfortable and/or you're young enough and forward thinking enough with the correct acumen (if you can stay with your parents like a lot of young people do you can save too). Which is exactly what I said.

I sacrificed I did it and currently reap the rewards.

Sorry this was not advice for everyone and, yes, for a lot of people it's not viable ( I didn't say it was).

For me locking away those pension payments for a meagre tax benefit when they could help towards an invesment was not the way to go and I'm glad I used my early years to consider my options.
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Pensions are an investment. I don't understand your point.
 
Superficial said:
LOL Im 41 and finished paying for my flat when I was 36 trust me son I live in the real world.
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Sorry to burst your bubble, but your location says London. If you paid off your first flat in London at 36 then you most definitely are NOT living in the real world. Even if you didn’t buy that in London, the average FTB age in the UK is now over 37 years old so you are still not in the real world I’m afraid. You’ve clearly lived a life where your parents are in a position to help you out (whether through money or a roof over your head) and that is fine, I’ll never old that against anyone. But you’re clearly lacking in perspective and your little outburst shows that. “Son”? Just lol…

Oh and well said @Devilman
 
Money threads always end up with horrible divisive behaviours.

I think people just have different priorities, opportunities and situations allowing them to achieve different standards / balances to others.

Some people have had parents help, some haven't. What is clear that unless you earn a fortune you have to make a choice between property or living a fun/balanced life.

I think if you want a family and afford to go on holiday etc then having a portfolio of properties is unlikely (unless you've had help or just earn a ridiculous salary).

However if you're single and achieving a good high tier salary then yes multiple properties/paying off a mortgage in your 40s is possible.

Personally I don't see anything wrong with the BTL opportunity if you can do it. However I realise this again is a divisive topic.

I think suggesting everyone can is naïve similarly thinking it's not possible without a handout from family.

I think most of us have probably made some poor decisions at some point in terms of finances but that's what life is about, learning and bouncing back and striking that balance between work and life and ultimately quality of life doesn't need to cost a lot depending on your perspective.
 
That is so true.

I was actually having a conversation with a friend who is very different to me.

He likes work, or wants to. He's doing a masters now. He absolutely doesn't have to. He wants to.
He's putting in the graft now for later.
He's ambivalent on kids but think his partner wants them. But they want an even better salary, which I totally understand.

Me, I've decided I don't want to spend time now putting the effort in for later.
My hobbies require physical ability. If I went back to uni, or sacrificed too much now (mid 30s)i could easily find myself for some medical reason unable to enjoy my time.


Granted. I do wish I spent a bit More time in my 20s building up money, investments etc. But at 36. I feel time is ticking for things I enjoy.
 
I think there are three different categories of working people

1) Those who are in jobs they either dislike or feel indifferent towards and don't have the drive to change career or unable to because of circumstance.

2) Those who are driven to achieve high status jobs, kudos and high wages.

3) Those who enjoy their job and actively engage in it, not for higher wages but because they enjoy the work.


Enjoying work and enjoying your personal life do not have to be in conflict if you find the right job.
 
Rich1988 said:
I think there are three different categories of working people

1) Those who are in jobs they either dislike or feel indifferent towards and don't have the drive to change career or unable to because of circumstance.

2) Those who are driven to achieve high status jobs, kudos and high wages.

3) Those who enjoy their job and actively engage in it, not for higher wages but because they enjoy the work.


Enjoying work and enjoying your personal life do not have to be in conflict if you find the right job.
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There’s a 1B category. People in jobs they have grown to loathe, but the wages are very good and they tolerate their coworkers because their wages and stock options are filling the coffers for Operation GTFO.
 
413x said:
Anyone else in same position?
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Very much so…

I did the whole career ladder thing, ended up earning a frightening amount of money, but really didn’t end up with much to show for it, other than an 18 month prescription of antidepressants, ( which I came off 3 weeks ago )

I learnt that your soul is priceless, once it gets eroded away it leads to hell, regardless of your monthly pay cheque. For me it was one of the FANG companies that wrecked me, I’d never get involved with any of that **** again.

Now I took a much less stressful job, much more sensible worth ethic and I’m slowly but surely healing my soul..
 
6 months on sick taught me i am not ready to retire quite yet ,i am not great with people and need to be forced into social situations ,work helps.
my firm arranged a 3rd party occupational heath appointment and they backed my request for reduced hours (30)
I love planning the best surf locations or a new walk the night before while sipping red wine ,but also having a practical garden diy day
 
Rich1988 said:
I think there are three different categories of working people

1) Those who are in jobs they either dislike or feel indifferent towards and don't have the drive to change career or unable to because of circumstance.

2) Those who are driven to achieve high status jobs, kudos and high wages.

3) Those who enjoy their job and actively engage in it, not for higher wages but because they enjoy the work.


Enjoying work and enjoying your personal life do not have to be in conflict if you find the right job.
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I fall in to 1.
Job is easy enough. Not too motivated to progress (lack of reward).
Current too easy to encourage me to retrain into something else.

If the pay was dire, I'd be retraining to something else.

I have never had a job I loved.
 
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