Life is going to be different

I can see a different period of adjustment is going to come when I merge the work world with the school world.  A similar world was when I was entering the apartment for the first time.  It was a very lonely and stressful time, but I have gotten used to it.  It was a lot of fun as well.  I got to meet  many people that I never seen before and encounter a  lifestyle that I never experienced before. After a few weeks, I was starting to find out who I was and what my values were, and it shown I was not that type of person, but another type of person.  A lot of things did not matter as much when I entered the apartment and I matured a lot.  I was starting to get a deep reality check on things, and that was one of the best things that happened to me.

The adjustment period was better than I think. It was a period of maturity and growing up, and I can see another adjustment period is going to happen when I get my first job.

There are going to be many things that are going to open up and this is going to happen to me when I get my first paycheck.  I am going to get an understanding of the bank. With the continous money coming at me, I am going to be unsure what I am going to be doing with this money.  I am going to be buying things that I never bought before - I probably will buy stupid things or I might be practical by saving my money in the bank. There is going to be a major change and I am going to be interested in different things.

The money situation is going to define me and God knows what I am going to be like.  I am unsure of what I like and there are a whole world of things that I can try out.  Lets say I am getting a part time job, I am going to get about $116 a week.  Some of that money is going to be sucked by the government and some of that money is going for food.  I'll probably use that money to buy clothes or maybe watch a movie or eat at a restaurant, or some cheap entertainment, or I might just save my money for some different things such as musical instruments and Pro Tools equipment, or a new TV.  A SmartTV will be nice to have - I'll probably save my money for Hulu subscriptions.  But I also got that money for things such as cell phone , rent, etc that are basic neccessities.  There is going to be a lot of decision making with that money but I am going to feel the power and the appreciation of things.

I might be motivated to work more and minimum wage is not very much money - that is a very poor amount and it is used primarily for high school students and maybe college students - a lot of that money is going to be used for the obnoxiously high gas prices these days, which I learned to disclipine myself to $10-$20 for gas each week.

There is going to be a lot of financial responsibility that is going to be coming and this might be a great change in my maturity.  I am going to change and I am not going to be the same person as I used to be.

The work deal is also going to change my routine - I am going to be comitting my life to work and doing studying that I won't have much time for play.  I am going to be going under a lot of stress.

But I have a feeling that I might be ready for this - I had grown up a lot in the last 6 months and I might be in a new environment than I used to be.

Lets say I got out of the rat hole and I $14 per hour and I worked for 8 hours a week, 5 days a week.  That will bring me up to $500 a week - $26,000 a year which is pretty low compared to the standard 50,000 a year middle class.  I am probably going to have cheap interests but my interests are going to be a lot more expensive than they used to be, but I probably going to have a lot more expenditures.  But we have the thing called interest and that is the reward for saving.  We do have very low interest rates right now, which is about 1%, so if I stick about $200 in the bank each week or even more for a year, I am going to have a wussy interest rate of $104. Lets say I kept saving this same rate of $200 a week for 10 years, I am going to have about $104,000 and about $1,040 interest.  I could buy a house in 10 years with my own cash!

Lets say I get  $52/hour and decide to save about 1500 a week. I will be getting about 108,000 a year and adding about $78,000 a year in the bank. At this rate, I am going to have about $780,000 in 10 years and I am going to be a millionaire in 13 years for my tightwaddery. Keep saving at the same rate and I am going to get over $3 million but that is going to be rare.  There is going to be about $7,800 on interest as well and if the rates are right, I could buy a car on interest. There is going to be a lot of money and that is going to be involved by saving.