> I’m guessing it was a mistake.   
   
I would make a very different guess - that your parents knew capone wouldn’t give a credit card to someone under 18 and chose to commit fraud.   
   
You can certainly call them and try to fix this, but don’t be surprised if they immediately close the accounts due to fraud.    That said, it is in your best interest to take to handle this now.

Not at all. You'd be dumb to quit right before your bonus

I always reference this saved comment:

[When you are 16 most major banks in the US will let you open a sole owned checking account, although you must do it in person and have all the normal ID you would need if you were an adult. In fact, most major banks have a specific type of checking account just for this purpose.](https://www.reddit.com/r/personalfinance/comments/ov2dbw/how_to_get_my_own_bank_account_underaged/h76fsne/) 

I think the biggest hurdle is that you will need a government issued picture ID (state ID or driver's license) to open an account.

Not forever. Just for as long as the world has consumers willing to spend money for goods and services.

For them not to go up means human progress and business no longer is able to advance. Do you want to bet the 500 biggest companies in the US will not find ways to profit?

It seems like you might be able to open an account with Bank of America [at age 16](https://info.bankofamerica.com/en/student-banking/banking-accounts). You’re looking for “SafeBalance Banking” and *not* SafeBalance banking for family. Their website says it’s open to 16 year olds with no parental approval required, but you do need to book an appointment with them (easily done online).

Additionally, you may check your local credit unions — just ask. Even if they don’t, they may be able to provide you further assistance.

If you’re jointly on the account, you might be able to request a paper check from your employer and cash it with your bank and keep the cash.

Finally, you could use a check cashing service, but you will incur a fee of a certain % of the check. It’s an option, but losing money to that fee is not desirable. You would have to decide if the security is worth it or estimate how much your mom may take.

Depends on your own values. For me def not. I care more about my WLB

A bonus is paid for the work you done, not a pre payment for future work.  You earned it.

As a hiring manager, your assumption that you have to prove a US citizen cannot do the job in order to hire an H1B is false. If a qualified visa holder applied to one of my positions I could hire them tomorrow. Honestly, it's a pain to hire H1Bs; it's expensive in government and lawyer fees. You're also not allowed to pay them less, although I'm sure this could be taken advantage of at smaller companies. 


 The reason they have super hard interviews could be a few things. The two most likely that come to mind: they have an _internal_ candidate in mind but need to post the job publicly first, or there are thousands of applicants and this is an easy way to screen out 95%.

I added my 16 year old to out capital one card, it was a couple of steps to add as an authorized user, and there is no credit check and all her charges go on my account. This is a completely different process than opening a credit card with its own credit line, where they applied for credit and changed the birthdate as you would not have been eligilbe for your own and they would have lied about income levels as well.

1) L5 is a base of 143 - 195 with a TCT of 252 - 325. 
2) I am never surprised by the engineers who I see get PIPed or managed out.
3) I have no WLB. But I’m not in Prime Video so.. there’s also that. It’s best to find someone who works in Prime Video as an SDE to gain better perspective.

Edit: one final edit…

1) if you’ve gotten this far in the interview process they have determined you’re “raising the bar” for the team… you’re very unlikely a hire to fire candidate. 
2) now is the best time to join a company like this. They’re going to give you X number of shares the day you sign your offer. That number is determined by your total comp target. They’ll use a 30 day moving average stock price. Stock has tanked recently due to external political factors. That works in your benefit… I know many people who made a killing getting hired post split when the stock price was $90-$100 coming in with those 4 year guaranteed grants… some took that and moved to quieter parts of the country, bought a home in cash, and took a slower paced fully remote job. All this to say, this opportunity, even for a few years, can be life changing. Nobody is going to force you to do this for the next 30+ years.

135k base for L5 is low, you need to negotiate based on levels.fyi. 160-170 is achievable.

Yes and no. I believe social media probably accelerated the bubble’s burst by a few years, but it would have happened anyway. The same thing befell lawyers and law schools in the 1990s, and that market still hasn’t recovered. People inevitably flock to whatever field looks trendy and lucrative until it becomes oversaturated. The medical field is been heading the same way for awhile now, and schools are holding numbers down only by constantly raising admission standards and imposing stricter program caps.

Take up a hobby. One that involves progression and improvement is ideal. A musical instrument is an obvious choice, but a sport could also scratch the itch. 

The dopamine hit of, “I couldn’t do this at all ten days ago, but now I’m killing it,” is hard to beat.

Go volunteer and help people who haven’t had a lucky run yet

My Dad has an all purpose solution for what ails me. Haying. Fucked up at work? Come help me haul hay bales. Feeling depressed? Get them bales! Winter blues? Hays not gojng to get itself out of the barn?

There is nothing more motivating than trying to toss hay bales before your 77 year old diabetic Dad can get to them.

In all seriousness, get outside. I don’t think there is anything more universally beneficial than getting outside and moving your body. Walk, ride, garden, ideally somewhere you can see green.

You can let go of all the guilt by sending me your bonus. As others have said, this is the way the world works. You are fine.

Yes, it is possible. There is no probition against it. It is just very expensive. You will get 50 cents on the dollar. And in the long run, it will cost you a fortune in lost opportunity of compounded tax deferred growth.

But, it's your call.

Actually, in your case, you might be able to avoid a lot of the taxes. You mention that if was a couple of years ago that you worked. If you structure the distribution right, then you could avoid US federal taxes.

Because you don't have any current US income, when you take the distrbution, only take out $15k. That will keep it tax free because the standard deduction in 2025 is $15k. Then in 2026 take another $15k, or whatever the standard dedution in is 2026 ($16k?).

Now that being said, I don't know if you will own UK income tax on that money. And also, if you did pay US tax, does that get credited towards your UK tax? And if that is all true, then all of this minimal distribution strategy won't save you any money. But it will pay your taxes to the UK instead of the US. So that helps you at home a bit.

Don't forget to file a US tax return when you take the distrubtions. You are going to get 1099's from the 401k and IRA holders for this. If they withhold taxes from the distributions, and they might, then you could end up being owed a tax refund from the IRS for a chunk of the distribution, minus the 10% pentalty. If you  have an overseas address, they may be required to withhold taxes from the distribution.

In a way, you’re betting that companies will continue to grow, generate revenue, and innovate. For that to happen, the economy/GDP/wealth will continue to grow.

Note that this is not the same companies. Some will be removed from the index but they’ll be replaced by other growing companies as the times change.

Historically speaking, you’re making a contrarian argument by betting against the markets.

What makes me so unsympathetic to those who fall for this is that they didn't fall for a "pretty good life" spiel. No, they fell for the fantasy of making enormous sums of money *and* (a big factor) doing very little actual work.

I happen to think everyone *should* learn how to code, but not to get a job coding. Instead, to buttress your skills in whatever job you do. If your job involves a lot of Word and Excel documents, for example, knowing VBA will make you more productive.

Possible? Yes. Worth it? Probably not.
The withdrawals from 401k will be disbursed after withholding taxes and 10% penalty. The principal amount in the Roth account can be withdrawn if the Roth account is 5 years old. Roth principal withdrawals are tax and penalty free. Any earnings will attract the same penalty and taxes if done before the age of 59.5

The tax is withheld before disbursement. You will have to file a irs return as the 401k withdrawals will be considered as income. Any excess tax collected would be refunded after irs processes your return.
The penalty i mentioned above, irs says it as additional 10% income tax.


https://www.irs.gov/retirement-plans/hardships-early-withdrawals-and-loans#:~:text=You%20can%20withdraw%20money%20from,another%20exception%20to%20the%20tax.

Absolutely true for cybersecurity too. Most of my career advice for this is outright disappointing for this reason.

But if you want to essentially troubleshoot for a living, critical thinking is going to be a massive component in that. I still am perplexed by the anyone who holds a rational belief that on the other side of some course or cert there is so much money to be made.

When I was a young musician, I learned about tour booking, talent buying, and shopping to labels from people who did those jobs and the bands themselves.

So a non-technical ANYTHING talking about IT and Cybersecurity should be met with heavy skepticism.

I don't know if they do this at interviews, but as a former bigtech manager, I can confirm that companies absolutely do create absolutely ridiculous job listings to justify "not being able to hire an American."  

I haven't seen it in the context of new hiring H1B, but I literally had to work with our immigration lawyers a couple of times to create them as part of starting the green card process for existing H1B employees.  

If you see some crazy unicorn job posting, especially if it looks nothing else like the company's regular ones, odds are it was crafted to exactly match one H1B employee's resume and (hopefully) nobody else on earth.

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I've had this convo way too many times.

**Person:** "AI is going to replace us! It can literally code new features in seconds"

**Me:** "Oh, what kind of features are you talking about?"

**Person:** "Well, I created a TODO app in 10 minutes with it"

**Me:** "Oh.. what about a feature for a production-grade, enterprise level application used by real users?"

**Person:** "Well considering it helped me in my TODO app so much, it could easily help there too"

**Me:** "Oh.. do you have any experience with working on these kinds of systems?"

**Person:** "No...."



Please, for the love of god, if you don't have any actual experience as a software engineer, shut up about AI.

Reminder: The people on this sub who say that "AI will replace Software Engineers" are most likely unemployed new grads.

Southwest, American and Alaska were the latest airlines to express caution about the rest of the year amid flagging demand for domestic flights.

Southwest Airlines (LUV) CEO Bob Jordan said Thursday the drop-off in business detected in February was one the most pronounced he has seen. “That is a very rapid fall-off," he said on CNBC. "It’s probably the most that I have seen absent COVID."

The carrier believes economic unease, rather than Southwest's plans to charge baggage fees or assign customers seats, has weighed on sales, Jordan said.

“A lot of that is, I think, the consumer reaction to the tariffs," he said on CNBC: "Some of that could be front-running the tariffs in terms of spending money in other locations. So it could snap back.”

https://www.investopedia.com/a-very-rapid-drop-in-domestic-demand-is-hitting-airlines-11721279?utm_campaign=investopedia&utm_medium=social&utm_source=facebook.com&fbclid=IwZXh0bgNhZW0CMTEAAR7OVGNNrsE1MaDFFz8H0nP_C8Wa4lPaR1_etcvmiPAudWhMSrhSW1EhwYHOKQ_aem_CO_J9fn5sXR8AXsGwSyfRA 

A 'Very Rapid' Drop In Domestic Demand Is Hitting Airlines

As of this morning my net worth has exceeded the 100k mark! It has been many years of saving but looking at the number helps me feel more comfortable with my future plans!

I turned 24 last month and hope to be able to "retire" (work because I want to, not because I have to) before I turn 50!

I have had a job since high school and worked my way through college with internships. While I can probably lay off the gas a bit I am tempted to see if I can keep saving at this rate.

My net worth has finally exceeded 100k!

My brother died by suicide in November 2024. It has been the most traumatic experience of my life—and something my family and I are still navigating every day.

My mom remembered that he had a life insurance policy with Aflac, something he told her about years ago. She’s the personal representative of his estate and has spent the last five months trying to navigate the claims process, which has been an absolute nightmare.

She’s had to send and resend documents, often by fax (even though they clearly have email), only to be told Aflac never received them. Every time she called, she had to re-explain what happened—that her son died by suicide. That part alone was retraumatizing. She was constantly told to call back later or start over.

Eventually, a mutual friend connected us with a VP at Aflac, and only then did someone finally get in touch with her. And when they did, it was just to say the claim was denied due to suicide. No copy of the full policy- just a basic page. No clarification about the listed beneficiary. No proof of signatures. No offer of premium refunds. Just: “Denied.”

But here’s the thing—this policy has been active for years. I’ve read that most suicide exclusions in life insurance policies only apply within the first 1-2 years of the policy being active. If that’s true, wouldn’t he be past that period? And even if they’re within their rights to deny, isn’t there at least a refund of premiums?

This entire process has been exhausting and so deeply unfair. My brother’s longtime girlfriend and two young children were supposed to receive $200k from this policy—money that would’ve made a huge difference for their lives. Now, nothing.

Has anyone dealt with something like this? Any advice on how we can fight this or at least get some transparency? A lawyer? A complaint to a state insurance commissioner? Anything? We are in New Mexico. 

Thank you for reading. Any help is appreciated.

Life insurance denied after my brother’s suicide — looking for advice

I’m saving for a new car because mine is about to blow up(engine knocking)

I’m 19 and living in my car working 40hrs a week. How could I earn more money either online or In person?

Basically title. I’ve been at a large multi-national company for a few years. We’re all remote employees. 

I was recently promoted and moved to a new team as part of that promotion. After I moved, I got a client email that needed to be routed to my old team. I went to message one of the Client Leads on my old team and the message failed. After some digging and asking a friend for help testing the error message, it’s pretty clear the Client Lead has blocked me on corporate chat. 

I messaged another old teammate to get help for the client, but I’m at an absolute loss of what to do. This coworker and I have never really gotten along but we’ve always been courteous - I chalked it up to clashing personalities but we’ve been on projects together in the past and thought we had a respectful relationship, and I had looked up to her and asked her for advice on multiple occasions. I did not see a random corporate chat & email block coming. 

Im not sure if I should escalate being blocked. On one hand, after my promotion I don’t work with her often, so it doesn’t impact my day to day work. But on the other hand it could be weird if I need to message her in the future and can’t. Do I bring this up to my boss? Her boss? Or just say nothing and hope it never becomes an issue?

Coworker blocked me on corporate chat…we both still work there. What do I do?

My father passed away unexpectedly from cancer about 6 months ago. I'm debt free, no kids, and no family alive other than my stepfather and a couple grandparents at the ripe age of 27. I want to grow this money and i want to be able to use it to help me produce a cash flow while i go to school to become a physical therapist. Ideally, I'd like to own and rent property as well as investing a good amount in a HYSA. I have received some great advice from the good people of r/Bogleheads. The only issue is i want to be able to go to school without having to work part time, at least until i can get a job in the field i want. I know this sounds like a pipe dream now, but my long term goal is to make 10k a month from investments alone. Short term, i wish to at least make what I'm making yearly at my stinky minimum wage job from property. A good amount of what I'm told to do is stash it all and don't touch it for years but the idea of having to live with my minimum wage job living paycheck to paycheck while i rack up millions i can only touch when I'm 55 sounds terrible to me. What would you guys do? So far I've been going everywhere for advice and i spoke to a financial advisor finally who wanted a 1.35% AUM fee and the bogles think that's ridiculous and better used invested. Thank you Reddit for your help and FIRE is my lifetime goal. Now i can have my dream job after i go to school and not have to be dirt poor for a long time paying debts. Fuck Cancer, and thank you guys for your help!

550 thousand dollar inheritance after father passed away, I'm lost.

Finished our 1:1 today and he said "Thanks to all your hard work we are giving you another 2% increase this year".

I told him that's great but it's common that every company does this to combat inflation. He told me it's a very interesting way to see things but insisted that it's because of my "hard work". After which he send me the letter with the CEO's signature; in the email he re-iterated because it's thanks to my hard work.

Felt offended he doesn't think I understand how fiat money works. Does anyone else have an EM who loves to do corporate gaslighting?  


  


My EM is a corporate robot

I (25f) have been working for this employer for over 3 years. I met him in Mexico and I started working for his travel company since 2022. 
I am an American citizen and he currently lives in the USA too. (He is on a business visa, I am almost sure it is an E-2). He created his own company here and asked me if I wanted to work for him. 
This implies moving to the states and starting my life from zero: looking for a place to live, trying to build credit (since I have lived most of my life in Mexico), and so on. 

I did the move, I am now here in the states and he promised to pay me weekly. This is the third full week he has not paid me. I am highly considering getting a new job or even moving to Vegas where my dad’s side of the family is and where I did live for 10 years of my childhood.

I’m in Utah. He only pays me $13 an hour and he suddenly says he cannot afford to pay me my 40 hours so he needs to cut it to 20 hours starting on Monday. (Note he told me this on Tuesday). 

He also likes to victimize himself saying that he has nothing saved up and he needs to uber in order to pay my wage. It is not my problem he didn’t have a financial plan before launching a company. 

I’ve already been here for a month and a half, and I sometimes feel regretful believing in him. Any advice on what I should do? 

Since he said he would pay me weekly, I organized my payments around this, now I am behind. 

I have sent him messages and he ignores me. He comes to the office and does the Irish goodbye so he doesn’t have to encounter me to talk.

Also note that if I leave, he will no longer have any employees. Between the two, I am the only one who speaks English. 

Edit: this is my actual first post on here. How can I like your comments? Thank you for all the input on my situation and for validating what I have been thinking

My boss has not paid me and I don’t know what to do

Me: 45.  Married with kids.  NW: 25 million+.

I sold my business to a former employee 1 year ago.  He paid 9 million*.

He is not rich (solid middle class) and could not easily afford the business, but... I was feeling burnt out and wanted to retire... and the buyer/employee was confident the business would succeed with him at the helm.  And I had confidence in him.

He took out a bank loan for 4 million* .  I hold a separate note for about 4 million* .  Another minority investor put in 1 million* more.   I also got to keep a minority 15% ownership in the business.  I also own the real estate the business occupies, and he pays about 10k per month.   (* ballpark fictional numbers for anonymity.)

It's been nearly a year.  The new owner has done a terrific job.  Sales are strong.  All loan payments have been made on-time.  Employee culture is strong.  He's been knocking it out of the park and I am rooting for his success.

As part of the sale, I agreed to stay on as a consultant/advisor for a year.   It's gone well and I've tried to put a lot of thought and effort into my feedback and suggestions.  It's not too much work.  We have an hour-long weekly meeting and chat about whatever is on his mind.  In return, he allows me to keep my platinum family health insurance for the year  (24k value).

Now the year is up.  He's hoping I'll stay around to continue give advice/feedback/help as needed.  Honestly, I enjoy doing it and I'd do it for free for as long as he'd like.  (I still own 15%, so I want him to succeed.  And it helps me stay busy.)

He says he'll keep paying my family insurance if I stay on as an advisor.  It's a generous and kind offer.

BUT - I sort of feel a moral dilemma.  Here I am - a guy with nearly 30 million dollars - allowing someone with a fraction of my wealth - who owes me a lot of money - to pay my health insurance.   I am rich.  I can afford 24k a year.  He's certainly not poor, but he's not a millionaire and he owes a lot of money for purchasing the business.

BUT - I mean, free health insurance is a nice perk.  And I do need health insurance when the 1-year is up.

What would you do?  Should I take the health insurance in return for staying on as an advisor?  Or do it for free?

_____

Edit:  Thank you for the great feedback so far.  Keep it coming.  I am reading and taking it all in.

Great exit so far. But should I accept the free insurance?

I just got a great offer for a new job that I really want to take and they are willing to wait for me until after my bonus is paid out.  

I've never done it and I feel bad doing that but I really want my bonus as my new job cannot offset for it but I also want my new job.   

Any thoughts on how to handle this best? 

Edit: thanks for your great insight and seemingly full on support.   This is what I'm doing! 

Is it bad to leave a job after getting your bonus?

Hi all,

I am a UK citizen and resident, however I briefly worked in the US a couple of years ago on a visa and as a result have the following retirement accounts there:

- A traditional 401(k) with Fidelity holding $25,000 invested in index funds
- A ROTH IRA with Vanguard holding $7,000 invested in index funds

I am 29 years old and wish to know if it is possible for me to withdraw from these accounts early to contribute to a house deposit, and if so which US taxes are due and how I should pay them.

I understand many people here may think this is a bad idea as it seems doing so will be very costly, however personally it is worth it for me as I have other retirement funds in the UK and buying a house is most important for me right now, so I am mainly looking to figure out if this is actually possible.

I have tried to seek professional advice but was not able to find the information I am looking for, any advice is greatly appreciated.

Can I withdraw from US retirement accounts early?

The corporation that I am referring to from my own personal experience is a large US bank. This is my 4th time interviewing for a position that I qualify for. For context, the position is looking for someone with 3 YOE in a SWE role in a specific programming language. I have worked with this language in all of my previous roles and I have around 4 YOE.

This corporation outsources their interviews to the platform known as Karat. All four of these interviews have consisted about 15 minutes of theoretical questions and then 45 minutes of leetcoding. The first interview I had last summer, I did great on the theoretical questions and managed to solve the leetcode question at the end by bruteforcing it. I ended up getting a rejection.

The next interview, I solved the leetcode question but I was unsure on 1/4 theoretical questions they asked. I was rejected once again. The third interview, was by far my best as I was able to answer all of the theory questions, I solved the leetcode question and there was time left so they gave me a second leetcode, I managed to get about halfway through the second question when we ran out of time. I was assured by the interviewer that I did not need to even make it/solve that question and it would not impact my performance. If anything, it would only make me a stronger candidate. To my surprised, the following morning I received a rejection!

My fourth interview, I noticed it was incredibly difficult, the questions were extremely abstract, trick questions that I do not feel as if they had a concrete answer. The leetcode that was given was extremely difficult, I was able to get 2 out of the 4 test cases to pass. I ended up running out of time, and at the end, I asked the interviewer if he could show me what I had missed/the proper solution. This question seemed to have caught him off guard, as he went silent, then stuttered and said it was against policy for him to show me the solution...?

Perhaps I am just salty about my countless rejections but I feel as though this company is purposely rejecting everyone/making the interviews extremely difficult so they can claim that they cannot find a qualified candidate and instead outsource the job/hire an h1b. One search of this company on glassdoor, and you will find countless reviews stating that it is dominated by h1b culture and that middle management is composed of indians. At this point, I feel like it's probably best that I am not working there because it doesn't seem like the atmosphere I want to be in.

I'm curious to hear if anyone has any similar experiences, or if I am wearing my tinfoil hat too tight.

Corporations purposely making it impossible to get into so they can outsource/fill with an H1B

I have met at least 10 people who joined CS and are now unemployed mainly because of the social media clout surrounding the career. From Frank Niu and multitude of tiktokers promising half a million dollars yearly salary for basically doing nothing to every a*hole making the "Day in the life of [Insert big tech company]" videos. Also not to mention stupid boomers like Dave Ramsey asking people to "learn to code" and shit like that.

The same thing happened in the trucking industry as well. Every trucker started making YouTube videos bragging about "printing cash", soon every other guy saved money, bought a truck and outcompeted themselves into poor wages and shitty conditions.


Moral of the story - If you have a good thing going, STFU and keep it quiet. 

Today's industry oversaturation can be directly attributed to social media

2.5ish YOE, currently working for $85k in Colorado. My job is very secure and stable with a good WLB, but I want to grow my career.

I am interviewing for Amazon SDE II Amazon Prime Video in Seattle with (probably) around $135k base pay. 

Amazon is the only place that I've been invited for an interview, but to be honest I'm early into my job search- 3 weeks, maybe 100 applications, but I did get more responses in 2022 right after I graduated (presumably due to the economy).

I will be doing the interview no matter what for experience, but talk about how common it is to be PIP'd or laid off makes me incredibly wary about moving to a high COL city and signing a year-long lease while the job market sucks. Good engineers have been laid off from the company and frankly, I'm not kidding myself that I'm special.

It doesn't really matter unless I get an offer anyway, but this subject is taking up a stupid amount of space in my brain and I think it would help to be secure in what I think the right path is. 

Edit: I know that it doesn't matter until I get an offer, but I do think that it's worth considering because my doubt about it has been a big distraction to me.

Is joining Amazon a bad idea?

I'm 16 and am about to get my paycheck and I have a joint bank account with my mom. The problem is that I know that she's gonna use some of my money and ask for it all of the time, is there an app or something where I can save my money? I'm trying to save almost every last cent I can and I know that's not possible if my mon is using that account and taking my money. I honestly don't know why she uses it because it's my bank account, she's just an authorized user, but that's where all her money goes so I'm stuck with that. I just need a place where I can store and save my money, but I obviously need it to be completely safe, not like cashapp or something, this may be a hard ask but i'll take anything I can get tbh

edit: tysm for all the help!! i'll be trying some of the options that y'all gave soon

is there a safe place i can put my paycheck as a teen?

I know everyone says to invest and buy in index funds like VTI and VOO, but will they truly go up forever? Currently VTI is around 269 a share, should we expect it to be around 2000 in like 40 years. I’m currently 24, just started investing. Have like a 90-10 VTI-VXUS allocation currently, with 25,800 invested in. I’m just skeptical as per how they can truly keep increasing forever. Would love to hear yall intake on this. What can we expect the price to be in around 40 years?

Will index funds truly increase forever?

# Does he think we are idiots!!

I remember him in 2017 worried as fuck about job being lost! now he suddenly claims it's gonna be okay.

Looooook around, ask someone who isn't a freaking billionaire, no jobs, the job market is almost dead.

Who is he trying to fool with by saying "materials will be cheap", are we that stupid in their eyes!!! Growing food is not so easy to scale wtf, even if it was easy, transportation is hard.

Even if the people at the top collectively decided to do more charity, it's not easy to distribute charity money (I tried, 80cents on each dollar donated goes to the process)!!

What a load of bullshit/

Sam Altman is lying to himself and to us about AI

I think here would be the most appropriate place to post my question since I suspect some people might relate to the same situation.

But to make it short; I've had a lucky run: good tech job + some well-timed investments

Now the weird part—I’ve lost my ambition. Work feels pointless, side-projects stall, and I’m basically coasting. Anyone here hit this wall and found a way to reignite purpose? Looking for practical tips, mindset shifts, or even book recs.

high net worth and zero motivation

When I was 17, my parents (not super tech-savvy) wanted to add me as an authorized user on their Capital One card. But instead, they ended up opening a credit card and checking account under my name using all my real info — just with the wrong birth year to make it seem like I was 18.

I’ve been using the accounts since then with no issues, and now I’m 19. I only found out the DOB was wrong when I recently tried to open a savings account.


I’m guessing it was a mistake, but now I need to fix the birthdate on file. Looked at the income, it says 27,000/yr and I made (and still) make $13.85 an hour, so if my math is correct that’s about right. Address is of course my real address, and birth month and day is the same, the year is just one year older than I actually am. Has anyone been through something similar? How do I go about correcting my date of birth with Capital One? Can this be done online or by phone, or do I need to go in person? What documents do they usually ask for?

Also, would I still be able to keep both accounts after fixing the DOB, or is there a risk they might close them since they were technically opened when I was under 18 and there’s no concerning activity on either account? I still would like to use Capital One and keep the good history on my credit report. I’m not even sure I can open another account at any bank because Capital One already reported that I was born one year before my actual birthday… So what should I do with the hundreds of dollars sitting in the checking account at this moment? 



Parents meant to add me as an authorized user but ended up opening a Capital One account under my name with the wrong birth year — how do I fix this?

#602: Ever looked back at an old Facebook post and cringed? According to Olga Khazan, staff writer at The Atlantic, that discomfort is evidence of something powerful: your personality has changed, even if you didn't notice it happening.  In our latest episode, Khazan, who recently wrote a book on the science of personality change, breaks down how our personalities aren't fixed traits but flexible characteristics we can intentionally shift to achieve our goals.  The conversation centers on the "Big Five" personality traits — Openness, Conscientiousness, Extraversion, Agreeableness and Neuroticism (OCEAN) — and how they impact financial success and career advancement.  If you work a regular 9-to-5, personality development can boost your career trajectory. Khazan highlights that conscientiousness — being organized, timely and detail-oriented — directly correlates with workplace success.   She suggests decluttering both your physical space and your commitments to increase productivity.   For introverts navigating office politics, she recommends "cosplaying as an extrovert" by signing up for regular group activities that are hard to back out of. Over time, social interactions become less draining, creating more opportunities for advancement.   And when engaging with colleagues, focus on asking meaningful questions about their experiences rather than collecting basic facts — this builds genuine connections that can lead to promotions and new opportunities.  If you’re intimidated by new financial ventures like entrepreneurship or real estate investing, Khazan suggests learning from others who've succeeded in similar situations. Research shows you're more likely to implement strategies when you learn them from peers rather than experts.   When discussing successful entrepreneurs, Khazan reveals they typically share three key traits: high extraversion (energy for interacting with others), low agreeableness (ability to make tough decisions), and low neuroticism (emotional stability for risk-taking).   Think Steve Jobs — not always the nicest person, but his combination of vision, decisiveness and comfort with risk built one of the world's most valuable companies.  The most important takeaway? Never tell yourself you can't do something because "that's just not who you are." Instead, take small daily steps toward your goal, and you'll gradually develop the personality traits needed for success.  Timestamps:  Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths.  (0:00) "The Surprising Science of Six-Figure Thinking"  (1:16) What is personality - behaviors that help meet goals  (2:24) Personalities change over time  (3:34) Personality impacts success  (4:12) OCEAN - the Big Five traits explained  (5:48) Origins of personality research  (8:20) Changing personality intentionally  (9:52) Low vs high openness traits  (12:05) Increasing openness gradually  (15:36) Boosting conscientiousness strategies  (23:09) Time management techniques  (30:31) Extraversion benefits careers  (33:19) Introvert's guide to social skills  (37:25) Healthy boundaries, not people-pleasing  (46:06) Meaningful conversations build connections  (51:16) Reducing anxiety with mindfulness  (56:52) CEO traits - extroverted, disagreeable, emotionally stable Learn more about your ad choices. Visit podcastchoices.com/adchoices

#602: Ever looked back at an old Facebook post and cringed? According to Olga Khazan, staff writer at The Atlantic, that discomfort is evidence of something powerful: your personality has changed, even if you didn&#39;t notice it happening. In our latest episode, Khazan, who recently wrote a book on the science of personality change, breaks down how our personalities aren&#39;t fixed traits but flexible characteristics we can intentionally shift to achieve our goals. The conversation centers on the &#34;Big Five&#34; personality traits — Openness, Conscientiousness, Extraversion, Agreeableness and Neuroticism (OCEAN) — and how they impact financial success and career advancement. If you work a regular 9-to-5, personality development can boost your career trajectory. Khazan highlights that conscientiousness — being organized, timely and detail-oriented — directly correlates with workplace success.  She suggests decluttering both your physical space and your commitments to increase productivity.  For introverts navigating office politics, she recommends &#34;cosplaying as an extrovert&#34; by signing up for regular group activities that are hard to back out of. Over time, social interactions become less draining, creating more opportunities for advancement.  And when engaging with colleagues, focus on asking meaningful questions about their experiences rather than collecting basic facts — this builds genuine connections that can lead to promotions and new opportunities. If you’re intimidated by new financial ventures like entrepreneurship or real estate investing, Khazan suggests learning from others who&#39;ve succeeded in similar situations. Research shows you&#39;re more likely to implement strategies when you learn them from peers rather than experts.  When discussing successful entrepreneurs, Khazan reveals they typically share three key traits: high extraversion (energy for interacting with others), low agreeableness (ability to make tough decisions), and low neuroticism (emotional stability for risk-taking).  Think Steve Jobs — not always the nicest person, but his combination of vision, decisiveness and comfort with risk built one of the world&#39;s most valuable companies. The most important takeaway? Never tell yourself you can&#39;t do something because &#34;that&#39;s just not who you are.&#34; Instead, take small daily steps toward your goal, and you&#39;ll gradually develop the personality traits needed for success. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (0:00) &#34;The Surprising Science of Six-Figure Thinking&#34; (1:16) What is personality - behaviors that help meet goals (2:24) Personalities change over time (3:34) Personality impacts success (4:12) OCEAN - the Big Five traits explained (5:48) Origins of personality research (8:20) Changing personality intentionally (9:52) Low vs high openness traits (12:05) Increasing openness gradually (15:36) Boosting conscientiousness strategies (23:09) Time management techniques (30:31) Extraversion benefits careers (33:19) Introvert&#39;s guide to social skills (37:25) Healthy boundaries, not people-pleasing (46:06) Meaningful conversations build connections (51:16) Reducing anxiety with mindfulness (56:52) CEO traits - extroverted, disagreeable, emotionally stable Learn more about your ad choices. Visit <a href="https://podcastchoices.com/adchoices" rel="nofollow">podcastchoices.com/adchoices</a>

The Surprising Science of Six-Figure Thinking

Quint and Allie talk about setting goals and understanding the destination of your financial plan.

Money Map: Know the Destination

Welcome to this classic episode. Classics are my favorite episodes from the past 10 years, published once a month. These are N of 1 conversations with N of 1 people. There aren't many people like Cyan Banister. Her life story is remarkable. She was homeless at a young age, dropped out of high school, and five years ago she suffered an extremely rare stroke. Yet, in spite of everything, she is one of the most optimistic and curious people you can hope to meet. Cyan is also one of the great angel investors of this era, having invested early in SpaceX, Uber, Postmates, and Deepmind to name a few winners.  She became the first female investing partner at Peter Thiel’s Founders Fund and now invests at Long Journey Ventures. Our conversation is as much about investing as it is about the essence of life and how connecting with that will help us in our professional pursuits. It is also full of awesome stories about people and companies like SpaceX and Bill Murray. Please enjoy this great conversation with Cyan Banister.   For the full show notes, transcript, and links to mentioned content, check out the episode page here.  ----- Invest Like the Best is a property of Colossus, LLC. For more episodes of Invest Like the Best, visit joincolossus.com/episodes.  Past guests include Tobi Lutke, Kevin Systrom, Mike Krieger, John Collison, Kat Cole, Marc Andreessen, Matthew Ball, Bill Gurley, Anu Hariharan, Ben Thompson, and many more. Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here. Follow us on Twitter: @patrick_oshag | @JoinColossus Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com).  Show Notes: [00:00:00] Welcome to Invest Like the Best [00:04:06] Contrarian Thinking in Investing [00:05:30] Joining Founders Fund and Learning from Peter Thiel [00:11:15] Investing in Companies that Change Lives [00:14:00] The Importance of Overcoming Adversity for Founders [00:16:02] Personal Journey and Choosing Hope [00:20:56] Embracing Curiosity and Wonder in the Face of Adversity [00:21:20] Reconnecting with Our Inner Child [00:24:46] The Interruption and Resumption of the Conversation [00:27:20] The Power of Intuition in Business Decisions [00:32:28] The Story Behind the Investment in Uber [00:38:46] Conclusion: Following the White Rabbit of Curiosity [00:39:08] Investing in Uber: The Beginning [00:41:50] The Impact of Success: Personal Wealth and Privacy [00:50:22] The Intersection of Spirituality and Investing [00:59:34] The Bill Murray Experience: A Lesson in Presence [01:09:54] The Violin Kid: A Tale of Curiosity and Generosity [01:12:43] The Evolution of Investing: A Personal Journey [01:16:34] The Philosophy of Giving: The Universe's Return [01:17:36] The Spirit of a Venture Firm: Founders Fund [01:23:09] The Power of Integral Family Systems [01:28:41] The Trillion Dollar Question: Disrupting Hollywood [01:36:05] The Future of Artistry: AI and Creativity [01:41:39] The Power of Kindness

Welcome to this classic episode. Classics are my favorite episodes from the past 10 years, published once a month. These are N of 1 conversations with N of 1 people. There aren&#39;t many people like <a href="https://x.com/cyantist" rel="nofollow">Cyan Banister</a>. Her life story is remarkable. She was homeless at a young age, dropped out of high school, and five years ago she suffered an extremely rare stroke. Yet, in spite of everything, she is one of the most optimistic and curious people you can hope to meet. Cyan is also one of the great angel investors of this era, having invested early in SpaceX, Uber, Postmates, and Deepmind to name a few winners. She became the first female investing partner at Peter Thiel’s Founders Fund and now invests at Long Journey Ventures. Our conversation is as much about investing as it is about the essence of life and how connecting with that will help us in our professional pursuits. It is also full of awesome stories about people and companies like SpaceX and Bill Murray. Please enjoy this great conversation with Cyan Banister. For the full show notes, transcript, and links to mentioned content, check out the episode page<a href="https://joincolossus.com/episodes/62018848/banister-investing-for-a-higher-purpose" rel="nofollow"> here.</a> -----Invest Like the Best is a property of Colossus, LLC. For more episodes of Invest Like the Best, visit<a href="https://www.joincolossus.com/episodes" rel="nofollow"> joincolossus.com/episodes</a>. Past guests include<a href="https://joincolossus.com/episodes/64592621/lutke-building-a-modern-business?tab&#61;transcript" rel="nofollow"> Tobi Lutke</a>,<a href="https://joincolossus.com/episodes/60313963/krieger-how-to-build-a-great-product?tab&#61;transcript" rel="nofollow"> Kevin Systrom</a>,<a href="https://joincolossus.com/episodes/60313963/krieger-how-to-build-a-great-product?tab&#61;transcript" rel="nofollow"> Mike Krieger</a>,<a href="https://joincolossus.com/episodes/34646260/collison-growing-the-internet-economy?tab&#61;transcript" rel="nofollow"> John Collison</a>,<a href="https://joincolossus.com/episodes/15230717/cole-how-to-operate-lessons-in-brand-distribution-and-leadership?tab&#61;transcript" rel="nofollow"> Kat Cole</a>,<a href="https://joincolossus.com/episodes/58516750/andreessen-making-the-future?tab&#61;blocks" rel="nofollow"> Marc Andreessen</a>,<a href="https://joincolossus.com/episodes/69430337/ball-the-future-of-media-movies-the-metaverse-and-more?tab&#61;transcript" rel="nofollow"> Matthew Ball</a>,<a href="https://joincolossus.com/episodes/12224182/gurley-all-things-business-and-investing?tab&#61;transcript" rel="nofollow"> Bill Gurley</a>,<a href="https://joincolossus.com/episodes/99792081/hariharan-lessons-in-growth-investing?tab&#61;transcript" rel="nofollow"> Anu Hariharan</a>,<a href="https://joincolossus.com/episodes/91241527/thompson-platforms-ecosystems-and-aggregators?tab&#61;transcript" rel="nofollow"> Ben Thompson</a>, and many more.Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up<a href="https://www.joincolossus.com/newsletter" rel="nofollow"> here</a>.Follow us on Twitter:<a href="https://twitter.com/patrick_oshag" rel="nofollow"> &#64;patrick_oshag</a> |<a href="https://twitter.com/JoinColossus" rel="nofollow"> &#64;JoinColossus</a>Editing and post-production work for this episode was provided by The Podcast Consultant (<a href="https://thepodcastconsultant.com/" rel="nofollow">https://thepodcastconsultant.com</a>). Show Notes:[00:00:00] Welcome to Invest Like the Best[00:04:06] Contrarian Thinking in Investing[00:05:30] Joining Founders Fund and Learning from Peter Thiel[00:11:15] Investing in Companies that Change Lives[00:14:00] The Importance of Overcoming Adversity for Founders[00:16:02] Personal Journey and Choosing Hope[00:20:56] Embracing Curiosity and Wonder in the Face of Adversity[00:21:20] Reconnecting with Our Inner Child[00:24:46] The Interruption and Resumption of the Conversation[00:27:20] The Power of Intuition in Business Decisions[00:32:28] The Story Behind the Investment in Uber[00:38:46] Conclusion: Following the White Rabbit of Curiosity[00:39:08] Investing in Uber: The Beginning[00:41:50] The Impact of Success: Personal Wealth and Privacy[00:50:22] The Intersection of Spirituality and Investing[00:59:34] The Bill Murray Experience: A Lesson in Presence[01:09:54] The Violin Kid: A Tale of Curiosity and Generosity[01:12:43] The Evolution of Investing: A Personal Journey[01:16:34] The Philosophy of Giving: The Universe&#39;s Return[01:17:36] The Spirit of a Venture Firm: Founders Fund[01:23:09] The Power of Integral Family Systems[01:28:41] The Trillion Dollar Question: Disrupting Hollywood[01:36:05] The Future of Artistry: AI and Creativity[01:41:39] The Power of Kindness

Cyan Banister - Investing for a Higher Purpose - [Invest Like the Best, CLASSICS]

If you look at most of the official hard data right now, there still isn't much evidence of a sharp downturn. Sure, all the surveys are abysmal, but the actual measures of economic activity are ok. But there is already data showing something severe is happening, and that can be seen in the volume of cargo flowing from China to the US. Of course, this is intentional. This is the whole point of tariffs. But the fear is that this is going to be acute and dramatic to consumer companies, and that it will happen very soon. On this episode of the podcast we speak with Anna Wong, Chief US Economist at Bloomberg Economics, who walks us through the real life and macro-economic impact of what we've already seen. She says that the tariffs hit right at the moment that major retailers are planning for their holiday merchandise, and that before too long we'll start seeing fewer goods and fewer varieties of all kinds of things. We also discuss the inflation dynamics, and how tariffs may not show up in terms of higher CPI, but instead through higher layoffs, compressed profit margins, and falling real wages.Read More: The Jaws That Could Devour Your Profit MarginsOnly Bloomberg.com subscribers can get the Odd Lots newsletter in their inbox — now delivered every weekday — plus unlimited access to the site and app. Subscribe at bloomberg.com/subscriptions/oddlotsSee omnystudio.com/listener for privacy information.

If you look at most of the official hard data right now, there still isn&#39;t much evidence of a sharp downturn. Sure, all the surveys are abysmal, but the actual measures of economic activity are ok. But there is already data showing something severe is happening, and that can be seen in the volume of cargo flowing from China to the US. Of course, this is intentional. This is the whole point of tariffs. But the fear is that this is going to be acute and dramatic to consumer companies, and that it will happen very soon. On this episode of the podcast we speak with Anna Wong, Chief US Economist at Bloomberg Economics, who walks us through the real life and macro-economic impact of what we&#39;ve already seen. She says that the tariffs hit right at the moment that major retailers are planning for their holiday merchandise, and that before too long we&#39;ll start seeing fewer goods and fewer varieties of all kinds of things. We also discuss the inflation dynamics, and how tariffs may not show up in terms of higher CPI, but instead through higher layoffs, compressed profit margins, and falling real wages. Read More: <a href="https://www.bloomberg.com/news/newsletters/2025-04-22/the-jaws-that-could-devour-your-profit-margins?srnd&#61;phx-oddlots?utm_medium&#61;referral&amp;utm_source&#61;podcast&amp;utm_campaign&#61;odd_lots&amp;utm_content&#61;article" rel="nofollow">The Jaws That Could Devour Your Profit Margins</a> Only Bloomberg.com subscribers can get the Odd Lots newsletter in their inbox — now delivered every weekday — plus unlimited access to the site and app. Subscribe at <a href="https://www.bloomberg.com/subscriptions/oddlots?in_source&#61;oddlotspodcast" rel="nofollow">bloomberg.com/subscriptions/oddlots</a> See <a href="https://omnystudio.com/listener" rel="nofollow">omnystudio.com/listener</a> for privacy information.

Anna Wong: Empty Shelves Are Coming Soon

Brian and Bo react to 10 outrageous personal finance videos circulating online, debunking misleading claims about 401(k) loans, day trading, real estate schemes, whole life insurance, and side hustles. Stay tuned through the end to watch as we count down to the craziest video we found.. The episode serves as a reminder to be wary of social media “gurus” and to focus on proven wealth-building principles.Jump start your journey with our FREE financial resourcesReach your goals faster with our productsTake the relationship to the next level: become a clientSubscribe on YouTube for early access and go beyond the podcastConnect with us on social media for more contentBring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian and Bo react to 10 outrageous personal finance videos circulating online, debunking misleading claims about 401(k) loans, day trading, real estate schemes, whole life insurance, and side hustles. Stay tuned through the end to watch as we count down to the craziest video we found.. The episode serves as a reminder to be wary of social media “gurus” and to focus on proven wealth-building principles. <a href="https://bit.ly/3mB2p69" rel="nofollow">Jump start your journey with our FREE financial resources</a><a href="https://bit.ly/3mxuhIt" rel="nofollow">Reach your goals faster with our products</a><a href="https://bit.ly/2Y4TqQJ" rel="nofollow">Take the relationship to the next level: become a client</a><a href="https://bit.ly/3gxyUOH" rel="nofollow">Subscribe on YouTube for early access and go beyond the podcast</a>Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit <a href="https://megaphone.fm/adchoices" rel="nofollow">megaphone.fm/adchoices</a>

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