Major life changing decision that I need to make.

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Crusty

Lifer
Sep 30, 2001
12,684
2
81
Stay home, finish your degree and when you're done you'll hopefully be able to land a good job and will already have the money saved up for a down payment for living.
 

iGas

Diamond Member
Feb 7, 2009
6,240
1
0
Put that money away, and join a travel work charity (such as CUSO) to see how the rest of the people around the world live. It will cost you a bit of money to do the work travel, but it will open up your eyes to many things that you may not have an opportunity while sheltered at home.

Good luck.
 

Locut0s

Lifer
Nov 28, 2001
22,205
44
91
Put that money away, and join a travel work charity (such as CUSO) to see how the rest of the people around the world live. It will cost you a bit of money to do the work travel, but it will open up your eyes to many things that you may not have an opportunity while sheltered at home.

Good luck.

Thanks. I've actually seen some of the world. Lived in China Taiwan and Malaysia from age 2 to 6. Been back to asia several times. Been to quite a few places in Europe.
 

iGas

Diamond Member
Feb 7, 2009
6,240
1
0
Thanks. I've actually seen some of the world. Lived in China Taiwan and Malaysia from age 2 to 6. Been back to asia several times. Been to quite a few places in Europe.
Living in upper middle class over seas with your parents around?
 

Locut0s

Lifer
Nov 28, 2001
22,205
44
91
Living in upper middle class over seas with your parents around?

With my parents around yes. Upper middle class? Not really, yes and no. This was back in 1985 China. My parents went there to teach as overseas teachers. They paid them well compared to native teachers but living conditions and everything else was fairly primitive. We weren't there are classic tourists. I even spend a few months going to a Taiwanese preschool. In Malaysia we did live with my mothers parents who were well off but we were again living IN the culture, not as tourists. We frequented the might markets and ate many / most of our meals in what most would consider dirty unhygienic conditions but we loved it all at the time.
 

iGas

Diamond Member
Feb 7, 2009
6,240
1
0
OP what grand master level have you achieved at computer game and how may hours have you log being on line?

Maybe it is time to step away from the computer.
 

PowerEngineer

Diamond Member
Oct 22, 2001
3,605
785
136
Don't know how serious your anxiety/depression/social phobia issues are, but those are manageable then I'd think that a "big move" might help you break out of the rut you are in.

By "big move", I mean moving away from home to be an "on campus" full-time student at some low-cost university. Either rent an apartment or live in a upper class or grad dorm (most all upper classmen who live in dorms are a little "nerdy" and/or socially challenged, so you certainly won't be alone); don't tie yourself down by purchasing a home or condo. Invest some of that $60K to complete your education, hopefully find some career that you really enjoy, and establish yourself as an independent person.

As others have suggested, the biggest mistake you can make is to keep putting off a change that you know you need to make. When in doubt -- go for it! Even if it doesn't work out (and I assume you can always return home), you'll know. If you don't try, then you'll be stuck forever wondering what might have been.

Good luck!
 

dighn

Lifer
Aug 12, 2001
22,820
4
81
I would say focus on school and career for now. A good career gives you money to do what you want and also the confidence to help you overcome your anxieties. If you think you can handle the other changes while going to school (e.g. holding a job to pay for rent/mortage), then go for it, but not at the expense of your education.

BTW I understand how it feels to be living at home at that age (27 here). It's normal in asian culture but this isn't China so it still feels weird. I'd move out myself if I wasn't planning on going back to school.
 
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xanis

Lifer
Sep 11, 2005
17,571
8
0
Here's another thought: find a small, relatively rural college town where you'd be willing to enroll. Purchase a relatively inexpensive house, paying cash. Rent out a couple of rooms to college students. Profit! 4 years later, sell the house.

edit: as an example: 45k, near St. Bonaventure University (private university, generally regarded as a pretty good school)
http://www.realtor.com/realestateandhomes-detail/58-South-7th-Street_Allegany_NY_14706_M48778-18039
That house is relatively near to the university; in the same neighborhood as a few places that are rented exclusively to college students. The college is literally right around the corner. 4 bedrooms, 2 baths; get 2 students to pay $1500 a semester (a bargain for college students, considering living on campus is at least $5k per semester, not including a meal plan), and you've got taxes & utilities covered for the 4 years you're there.

You know, this is actually a pretty good idea. You could probably make some money off this idea in the long term if you played your cards right. I'd consider this if I were you, OP.
 

sandorski

No Lifer
Oct 10, 1999
70,783
6,341
126
You know, this is actually a pretty good idea. You could probably make some money off this idea in the long term if you played your cards right. I'd consider this if I were you, OP.

lol, no such place in Canada.
 

caspur

Senior member
Dec 1, 2007
460
0
0
lol, no such place in Canada.

Yeah the real estate prices near the OP are insane. Vancouver BC is one of the most expensive places in Canada, so no real option for cheap property as a rental unit, especially near schools.

I went to a big name school, got my degree in 3 years, and I sell geek squad black tie protection. I'm jealous of the 17/hr for retail, I make half that and I get no commission. And my master plan of paying for my mortgage with half off sears gift cards didn't work out so well.
 

Mike Gayner

Diamond Member
Jan 5, 2007
6,175
3
0
Yeah the real estate prices near the OP are insane. Vancouver BC is one of the most expensive places in Canada, so no real option for cheap property as a rental unit, especially near schools.

I went to a big name school, got my degree in 3 years, and I sell geek squad black tie protection. I'm jealous of the 17/hr for retail, I make half that and I get no commission. And my master plan of paying for my mortgage with half off sears gift cards didn't work out so well.

Which weak-ass degree did you get?
 

caspur

Senior member
Dec 1, 2007
460
0
0
Which weak-ass degree did you get?

Hey, hey, retail is how old men get college age girls. Salesmen have no shame.

My degree is for my real job, which is interesting because my job doesn't require any knowledge of finance or business, I'm in fleet ops...should have probably got into yield/pricing, which is more inline with my skill set. I get a decent salary, 7 weeks of vacation, and a company car, so it ain't too bad.
 

guyver01

Lifer
Sep 25, 2000
22,135
5
61
I'm gonna go out on a limb here and be the dissenting opinion and say...

don't even bother.

we all know in 6 months your depression will kick in... you'll run back home to mommy and daddy... and you'll post on the forums "How do i get out of a mortgage... i'm too depressed for school or work, and don't want a $195,000 mortgage to ruin my credit"

just admit defeat before you begin.. and learn to live with the fact you'll be 90.. and living with mommy and daddy in their basement.
 

Sea Moose

Diamond Member
May 12, 2009
6,933
7
76
I'm gonna go out on a limb here and be the dissenting opinion and say...

don't even bother.

we all know in 6 months your depression will kick in... you'll run back home to mommy and daddy... and you'll post on the forums "How do i get out of a mortgage... i'm too depressed for school or work, and don't want a $195,000 mortgage to ruin my credit"

just admit defeat before you begin.. and learn to live with the fact you'll be 90.. and living with mommy and daddy in their basement.

everyone knows this?
 

dawp

Lifer
Jul 2, 2005
11,347
2,710
136
I'll just throw this out there:

I wouldn't buy a house or condo, rent. It's nice to be able to move whenever and where ever you want to with out having to worry about having to sell your old house. Especially if the market should ever tanks again like it did in the last few years.
 

Mxylplyx

Diamond Member
Mar 21, 2007
4,197
101
106
I've known a number of people who use the desire to get a college degree as an excuse to keep them from actually growing up. There are many people who make a decent living without a college degree. I'm certainly not discouraging you from eventually getting your degree, but you will be a social enigma until you get out of your parents house, so your number one priority in life should be getting your own place and living like an adult. That "education", ie maintaining a household, paying bills, and maybe getting laid is much more important than a degree right now. So get a place, get a job, and then worry about how to get your degree, even if it means taking on a little debt. Stop putting your life on hold.

ps. And as others have said. DO NOT take on a mortgage. You need the freedom that renting provides. A mortgage is definitely not something you want during a transitional stage of your life.
 

bignateyk

Lifer
Apr 22, 2002
11,288
7
0
Seems pretty obvious to me. If you've already got half a degree it'll only take 2 years to finish it. Just stay at home, finish your degree, then use whatever money you have left after you finish your degree to pay for a down payment on a nice house that you can then afford to pay the mortgage on since you have a real degree and job.
 

AMDZen

Lifer
Apr 15, 2004
12,589
0
76
Major life changing decision? LOLonFloorAllDay

Dude, its not that big - everyone makes these decisions.

Imagine what you will think if you ever meet a girl worth living with. THAT is a major decision.