The big 18 and adult things?

[R.K.]

I’ll be the broken record here. Currently 36, engineer.

Roth IRA. Get one. You can set it up through Fidelity, and do it today. Learn the rules, and let it grow. Max it out when you can.

The prefrontal cortex doesn’t fully develop until 25. That means you aren’t “you” yet, and anyone you meet isn’t either. People in your life will change, and that’s fine- just recognize when it happens. Which plays into the next two.

Be careful who your friends are. You will pick up their habits and become more like them every time you hang out.

Be very careful who you date and marry. Don’t rush into things if you can avoid it. Especially if you go military- most of my military friends got married young while in the service, and divorced not long after. Not every girl you meet will have your best interest at heart. That isn’t a pass to be selfish, but a warning to get out when you can.

A child is the most expensive thing and the largest responsibility you will ever have. DO NOT HAVE ONE UNTIL YOU ARE READY.

When people show you who they are- believe them. Don’t make excuses for their bad behavior.

Stay away from gambling. Period. It will wreck your life. Every time you want to make a bet- bet on yourself and throw that money into the Roth IRA.

No nicotine. Smoking, vapes, chew, zyn, whatever. Just don’t start.

They aren’t making any more land, and it ain’t getting any cheaper. If you have the funds, it’s not a bad investment.

Work on your fitness. It will never be easier for you to get in shape than right now, and it just makes everything else in life that much easier. Don’t be afraid to pick up a sport or something, either.

Comparison if the thief of joy. Learn to be happy with yourself, what you have, and where you’re headed. People like happy people.

 

[BuzzH]

All solid advice on investing, although I don't necessarily agree about maxing out all your retirement account options. It's about balance and if you do it right, you can have a shitload of fun AND a shitload of money in your retirement account. Trust me when I say some hunting is much more fun at 25 than 55.

But, from a hunting/fishing standpoint, many are missing the mark.

If opportunities are present now, don't assume they will always be there and you can "go next year".

Here's a list of things that no longer exist, some I took advantage of, some I let slide.

1. Lots of caribou opportunity, in particular Quebec, AK peninsula, etc.
2. Grizzly bears in Montana OTC, I blew it could have hunted them and didn't.
3. Two buck pronghorn tags a year in Wyoming, did as much as I could, that is gone forever.
4. OTC Chugach sheep in AK, did it once, should have went at least 2-3 more times.
5. Higher limits on fish in AK.


Just to name a few.

The way things are going don't assume that OTC NR tags are going to exist forever, don't put off too much that you can afford to do today when it comes to hunting and fishing.

Tomorrow it may be gone.

 

[Little Big Man MT Chris]

@JohnCushman can certainly offer advice on things to avoid and things to not miss out on.

Like midget strippers

 

[Outlaw99]

I’m gonna go against the grain on this one and ruffle some feathers. Whatever money you make now, invest in guns, ammo, and toys. Once you’re married it won’t be so easy to get away with. Marriage is the next important step here. Don’t worry about what she looks like or if she annoys you. Worry about her profession. Find you a woman who makes a boatload of money with great benefits. Then, you don’t have to worry about your career or retirement. She is both your career and your retirement. Don’t be afraid to get divorced a few times till you find the right one. Ultimately, you want to be able to do what makes you happy and play for as long as your body lets you, with minimal effort and work put in on your end of things. That’s her job to carry you through life. Life goes by fast and you need to enjoy it. It’s not dying I’m talking about Woodrow, it’s livin!

 

[cgasner1]

I’m gonna go against the grain on this one and ruffle some feathers. Whatever money you make now, invest in guns, ammo, and toys. Once you’re married it won’t be so easy to get away with. Marriage is the next important step here. Don’t worry about what she looks like or if she annoys you. Worry about her profession. Find you a woman who makes a boatload of money with great benefits. Then, you don’t have to worry about your career or retirement. She is both your career and your retirement. Don’t be afraid to get divorced a few times till you find the right one. Ultimately, you want to be able to do what makes you happy and play for as long as your body lets you, with minimal effort and work put in on your end of things. That’s her job to carry you through life. Life goes by fast and you need to enjoy it. It’s not dying I’m talking about Woodrow, it’s livin!

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[huntin24/7]

You seem to have a pretty good head on your shoulders. Just a couple things.
1. Like many others have mentioned, max out as close as you can an Ira, tsp, or whatever investment option you have from an early age.

2. Whether it’s college, a tech school, apprenticeship, etc., try to find something you don’t hate and become really good at it.

3. Probably the most important decision you’ll ever make is if you want to get married, don’t settle. Find someone who supports your hobbies and passions. Yes, you’ll have to make sacrifices, but a good spouse will support what’s important to you. I’m fortunate that my wife is very supportive of my passions, but I have friends who’s spouses act resentful about them going out hunting, fishing, etc, most every time, and it’s pretty toxic.

4. Spend as much time as you’re able to enjoying your passions while your young and have less responsibilities.

5. Lastly, start living clean at a young age. Garbage in, garbage out. Don’t eat and drink nasty unhealthy stuff. Doesn’t mean you can’t have fast food once in a while or beers with your buddies once you’re of age, but do those things in moderation.

Best of luck to you!

 

[TrapperJ]

I’ve been in the trade for 20 years and run a crew for the utility here. If you wanna have a serious conversation about getting into line work I can send you my number. I will tell you this much if you want to do this line of work stay out of Texas. I do love my job it’s afforded me a lot of things in life but if I started over again like I said I’d look for a trade I could put my own name on the door or commercial airline pilot

I would love a serious conversation and I was hoping to get my foot in the door in texas due for a few reasons with 2 most notably being i know i cant go out of state without a cdl till 21 and texas is a huge state unlike some of the other states and the 2nd reason being theres plenty of work i would assume with it being so big and the constant weather and hurricanes.

 

[TrapperJ]

I’ll be the broken record here. Currently 36, engineer.

Roth IRA. Get one. You can set it up through Fidelity, and do it today. Learn the rules, and let it grow. Max it out when you can.

The prefrontal cortex doesn’t fully develop until 25. That means you aren’t “you” yet, and anyone you meet isn’t either. People in your life will change, and that’s fine- just recognize when it happens. Which plays into the next two.

Be careful who your friends are. You will pick up their habits and become more like them every time you hang out.

Be very careful who you date and marry. Don’t rush into things if you can avoid it. Especially if you go military- most of my military friends got married young while in the service, and divorced not long after. Not every girl you meet will have your best interest at heart. That isn’t a pass to be selfish, but a warning to get out when you can.

A child is the most expensive thing and the largest responsibility you will ever have. DO NOT HAVE ONE UNTIL YOU ARE READY.

When people show you who they are- believe them. Don’t make excuses for their bad behavior.

Stay away from gambling. Period. It will wreck your life. Every time you want to make a bet- bet on yourself and throw that money into the Roth IRA.

No nicotine. Smoking, vapes, chew, zyn, whatever. Just don’t start.

They aren’t making any more land, and it ain’t getting any cheaper. If you have the funds, it’s not a bad investment.

Work on your fitness. It will never be easier for you to get in shape than right now, and it just makes everything else in life that much easier. Don’t be afraid to pick up a sport or something, either.

Comparison if the thief of joy. Learn to be happy with yourself, what you have, and where you’re headed. People like happy people.

I definitely dont want a kid for awhile lol. I dont do no bad bad habits and I know the money those habits cost. Fitness is something I like, I like to be in shape

 

[TrapperJ]

I’m gonna go against the grain on this one and ruffle some feathers. Whatever money you make now, invest in guns, ammo, and toys. Once you’re married it won’t be so easy to get away with. Marriage is the next important step here. Don’t worry about what she looks like or if she annoys you. Worry about her profession. Find you a woman who makes a boatload of money with great benefits. Then, you don’t have to worry about your career or retirement. She is both your career and your retirement. Don’t be afraid to get divorced a few times till you find the right one. Ultimately, you want to be able to do what makes you happy and play for as long as your body lets you, with minimal effort and work put in on your end of things. That’s her job to carry you through life. Life goes by fast and you need to enjoy it. It’s not dying I’m talking about Woodrow, it’s livin!

Definitely aware of get the toys and guns and ammo before marriage. The current girl im with is pursuing a career as a vet and some of you guys can probably judge how good dating a vet is or isnt. I dont like the idea of divorce but im not afraid of it either I guess. So basically what im understanding is she works I benefit? Doesn't sound to bad

 

[Redmt]

FYI, a buddies son in law just left CA working at $35.00 per hour and going broke from bad habits, toys not drugs. They moved to Texas where he's making $16.00 per hour and now can't afford much of anything. I'm not saying to move for the money, but move where you can afford to live. If you find that place, let us know. Many are still looking.

 

[TrapperJ]

FYI, a buddies son in law just left CA working at $35.00 per hour and going broke from bad habits, toys not drugs. They moved to Texas where he's making $16.00 per hour and now can't afford much of anything. I'm not saying to move for the money, but move where you can afford to live. If you find that place, let us know. Many are still looking.

I personally choose west texas for a few reasons. 1 I love the country and the hunting looks really nice. 2 tons of different work from energy to solar to oil to wind. 3 land is cheap especially around del rio with alot of land being 100 to 200 acres and only costing 100k to 130k where in missouri if you have 200 acres its 500k or 600. 4th I like new Mexico to and Colorado and alot of those western states and got alot of good friends in them so im closer to them.

 

[WildWill]

I’m gonna go against the grain on this one and ruffle some feathers. Whatever money you make now, invest in guns, ammo, and toys. Once you’re married it won’t be so easy to get away with. Marriage is the next important step here. Don’t worry about what she looks like or if she annoys you. Worry about her profession. Find you a woman who makes a boatload of money with great benefits. Then, you don’t have to worry about your career or retirement. She is both your career and your retirement. Don’t be afraid to get divorced a few times till you find the right one. Ultimately, you want to be able to do what makes you happy and play for as long as your body lets you, with minimal effort and work put in on your end of things. That’s her job to carry you through life. Life goes by fast and you need to enjoy it. It’s not dying I’m talking about Woodrow, it’s livin!

Where were you when I was 18?

 

[El Jason]

Find balance. It’s not all about getting to retirement, but if you don’t plan for it you’ll never catch up.

Start saving and investing, but like Buzz said not every opportunity will be there tomorrow. Your health and another tomorrow are never guaranteed.

You can always change careers.

Live frugally but be generous.

Be kind. Be honest.

Choose your spouse wisely and commit yourself 110% to your marriage if you go that route.

Best of luck.

 

[R.K.]

A few more:

Never borrow money for a toy. Motorcycles, ATV, SxS, boats, etc.

Never loan out money you can’t afford to lose. That includes to friends and family. ESPECIALLY family.

One from my parents: “Marry rich. If you can’t do that, marry smart. And if you can’t do that, marry kind.” All three is obviously the preferred option.

A note on the Roth IRA, and why it’s such a good investment option: You always have access to what you put in. You get money, pay income tax in it, then put it in up to the gross limit every year. But you always have access to WHAT YOU PUT IN (called the principal). It’s only the interest you can’t withdraw until retirement (where it becomes tax free). So you want to buy a house? You can raid the fund to put all that principal towards a down payment. You just can’t put it back in once you take it out. That’s why I would only raid it if absolutely necessary.

I basically treated mine like a tax-free investment account, or a very high yield savings account.

If buying a house, look into any assistance options there are- like a 3% down loan, first time homebuyer assistance, or rural development loans, etc.

The last one- scrape together some gas money with a half-assed plan, kidnap a good friend to split costs, and go have some dirtbag summer mountain adventures. Sleep in a tent, shower at a truck stop, and head for the high country. You need reservations for camping in National parks, but usually not dispersed camping on National Forests.

 

[R.K.]

Where were you when I was 18?

Probably learning that lesson the hard way.

 

[El Jason]

One from my parents: “Marry rich. If you can’t do that, marry smart. And if you can’t do that, marry kind.” All three is obviously the preferred option.

I hit two out of three

 

[Nick87]

Im no expert buy idk of id out all your extra money in an ira either. A brokerage account might be a good place or split it. There might be a OIL oppurtunity that arises and you want some liquid. They dont come around often, mine did and I passed on it. Don't be afraid to take some risks especially while your young. It gets harder to take those as you get older.

 

[Nick87]

Never loan money to a friend if you actually expect to get it back. Consider it a gift and be happy if you see it back.

Or family, it can ruin relationships. Learned that one the hard way too.

 

[cgasner1]

I would love a serious conversation and I was hoping to get my foot in the door in texas due for a few reasons with 2 most notably being i know i cant go out of state without a cdl till 21 and texas is a huge state unlike some of the other states and the 2nd reason being theres plenty of work i would assume with it being so big and the constant weather and hurricanes.

You can’t cross state lines. You can drive in any state that rule is intended to keep you from long hauling not driving a line truck. Texas pay scale is trash and it’s kinda the laughing stock of the trade for skill set. I’d highly recommend staying away from that state

 

[Dan O]

Not hunting related advice but I’ll tell you the same thing I did my little brother. Start a Roth IRA with your first real job and pick a percentage you can live with putting in it and continue it every time you get a raise (10-15%). At that age you don’t understand the possibilities you have. Sorry, it’s the accountant in me…

What he said!!!! I say this from experience I'm 72 and should listened to one of my supervisors when I was in my early 20's. Start putting some aside from each paycheck starting with your first check. I didn't and the money I wasted is hard to think about without cringing. Temporary fun vs long term security should be a no brainer. But the young brain has a hard time thinking that way, at least mine did