I personally never understood dropping out when something like this happeneds. Like bro now you got the money to have the degree and not worry about paying it off. Might as well have it just to have it
Google is really shady. So whenever we use the share button on YouTube, they add a code to the end of the link that offers no benefit to us, but allows Google to tie your machine as source who shared the link that others click on. When you look at the link that you posted, you’ll see the letters SI in it and after that, you see the tracker.
To work around this, on desktop, you can copy the link from the address bar, which won’t include the code. Also, Firefox has a feature to copy links without trackers in them, because the practice is pervasive. On mobile, I would recommend just backspacing the junk in hopes of protecting your privacy a tiny bit.
When I started, my advisor told me to not think of myself as an employee, but as a “researcher”. IE I don’t get to clock out, my life revolved around learning/reseaching
Generally no if we consider it from a financial perspective. Whether or not it’s worth it on an emotional level is very individual
I work in engineering with a masters, and I make more than people with only a bachelors. However, even with the masters pay bump I am unlikely to ever make enough extra money to make up for the financial losses I incurred in getting the graduate degree. It’s only “worth it” financially if you work full time and have your company pay for the degree.
PHDs make about the same amount of money and get about the same positions as someone with an only Masters. You get a PHD because you love studying and research enough to basically give up half of a decade of your life.
I considered getting a PHD until I realized that >50% of the PHD students and graduates I spoke to described it as, “6 years of my life I’ll never get back”.
With 2m instead properly you won’t have to work another day in your life, with 1m you won’t either but you might not be able to live in the buffet cities.
We were talking about winning the lotto at work once and I said with a million dollars I would probably quit if I could earn 5% interest on it to get 50k a year. My boss was like, that’s not enough you have to think about daycare and mortgage and car payments and everything. I then reminded him that I was currently making 30k a year. He stopped talking very quickly lol.
They said invested, not ‘put in a checking account and drawn down’. Even 5% returns would be 50k annually, which is already more than the median individual income. Actual return on the S&P 500 for the last 25 years has been around 8%.
The thing you may be forgetting to account for is inflation. 50k a year means your drawing the whole profit annually and in 10 or 20 years suddenly 50k is not enough to live on. You need enough in the fund to ensure it’s making more money than you spend so it can grow YoY and make more each year to cover inflation.
Additionally, if you are not working you are paying 100% out of pocket for insurance. One health incident draws your savings below the amount you need to live off of.
Right now they say not to retire at 60 unless you fully own your property and have over a million in your 401k. And that’s accounting for taking a loss to your social security payments past 67 due to early withdrawal and for out of pocket health insurance costs. If you are younger you need even more.
Insurance is a non issue for me, I used 50k USD as an example because it’s pretty close to what I make in CAD.
With 50k I can pay my mortgage and be mortgage free in less than 20 years then I need way less than 50k to live, that’s also something people don’t take into consideration, once you’ve paid you’re debts and you just have to pay for food and taxes you’re left with way more than you’re used to. That’s not even taking into consideration the fact that you pay less taxes on capital gain in a lot of countries, so 50k in salary =/= 50k in capital gains!
We’re in the process of buying a house based on my income alone, we’ll probably have refunded the 250k loan in 15 years tops, probably 12, then we start stacking to retire ASAP.
In some ways I understand it though. I’m sure the pecking order and bragging rights of being one of the only fans people that makes enough money to classify yourself in like the top 5% of income earners in America is probably more thrilling and exciting than having a PhD.
Plus, if she’s going for her PhD she probably already has her master’s degree so it’s not like she gave up academia entirely without getting anything from it.
That being said, I still agree with you. If you were close enough to be in the program you might as well just finish it off. What’s it going to do, stop you from posting your photos on only fans?
And if you can earn a million each year as an alternative, why wouldn’t you go for it? I love science, but we live in a real world, not in a dream, and this real world decided that science wouldn’t be rewarding.
I personally never understood dropping out when something like this happeneds. Like bro now you got the money to have the degree and not worry about paying it off. Might as well have it just to have it
A science PhD is fucking grueling.
And OnlyFans job is grueling fucking? 🤔
Classical Electrodynamics by Jackson helped me feel like a jock in Calculus.
Hitler meme that sums it up
That is one of the funniest things I have seen in a very long time!
“Do I look like Feynman” is my favorite bit. Starting and ending with “fucking Bessel functions” is also very poetic.
Now I’m reading about Bessel functions on my weekend… how dare you.
the video is spherical Bessel functions
Simple man me detrackers then clicks 🤗
Wdym?
Google is really shady. So whenever we use the share button on YouTube, they add a code to the end of the link that offers no benefit to us, but allows Google to tie your machine as source who shared the link that others click on. When you look at the link that you posted, you’ll see the letters SI in it and after that, you see the tracker.
To work around this, on desktop, you can copy the link from the address bar, which won’t include the code. Also, Firefox has a feature to copy links without trackers in them, because the practice is pervasive. On mobile, I would recommend just backspacing the junk in hopes of protecting your privacy a tiny bit.
I see. I didn’t realize that I had sent a link with trackers. Thanks for pointing it out!
Didn’t realize by design 🤓
Welcome welcome!
As someone who didnt even pass their first year and dropped out, mind explaining whats involved in a PHD and why science ones are so grueling?
It’s basically just working for 6 years for not much pay while your friends who got jobs right out of undergrad are making at 3-5x as much.
Not only that, but all the political game involved in the academia is mental.
And the work-life balance is atrocious.
When I started, my advisor told me to not think of myself as an employee, but as a “researcher”. IE I don’t get to clock out, my life revolved around learning/reseaching
But having the PHD makes up for it after right?
Generally no if we consider it from a financial perspective. Whether or not it’s worth it on an emotional level is very individual
I work in engineering with a masters, and I make more than people with only a bachelors. However, even with the masters pay bump I am unlikely to ever make enough extra money to make up for the financial losses I incurred in getting the graduate degree. It’s only “worth it” financially if you work full time and have your company pay for the degree.
PHDs make about the same amount of money and get about the same positions as someone with an only Masters. You get a PHD because you love studying and research enough to basically give up half of a decade of your life.
I considered getting a PHD until I realized that >50% of the PHD students and graduates I spoke to described it as, “6 years of my life I’ll never get back”.
😢😔
It really depends on the field. In some areas PhDs make less than bachelors.
That’s what they say but I haven’t finished mine yet so I can only hope
Me earlier in the thread
Academia is misogynist enough without an OF account. She’s leaving a shitty job not just a low paying job.
They drop out so they can do the other thing full time instead of part time…
Especially because it’s porn. Gotta make as much money now while she can
Yeah, can always go back to school when you age out at 25…
DiCaprioSquinting.jpeg
With 2m instead properly you won’t have to work another day in your life, with 1m you won’t either but you might not be able to live in the buffet cities.
Give me 1m and I’m retiring tomorrow.
How old are you and where do you live that you think thats enough to retire comfortably?
We were talking about winning the lotto at work once and I said with a million dollars I would probably quit if I could earn 5% interest on it to get 50k a year. My boss was like, that’s not enough you have to think about daycare and mortgage and car payments and everything. I then reminded him that I was currently making 30k a year. He stopped talking very quickly lol.
They said invested, not ‘put in a checking account and drawn down’. Even 5% returns would be 50k annually, which is already more than the median individual income. Actual return on the S&P 500 for the last 25 years has been around 8%.
50k us is about what I make now and I’m in the suburbs.
Invested safely that’s what I would make with 1m, with 2m I’m having the time of my life.
I could have lived off that at any age as I’m currently making the most I’ve ever made by about 6k compared to my previous job…
The thing you may be forgetting to account for is inflation. 50k a year means your drawing the whole profit annually and in 10 or 20 years suddenly 50k is not enough to live on. You need enough in the fund to ensure it’s making more money than you spend so it can grow YoY and make more each year to cover inflation.
Additionally, if you are not working you are paying 100% out of pocket for insurance. One health incident draws your savings below the amount you need to live off of.
Right now they say not to retire at 60 unless you fully own your property and have over a million in your 401k. And that’s accounting for taking a loss to your social security payments past 67 due to early withdrawal and for out of pocket health insurance costs. If you are younger you need even more.
Insurance is a non issue for me, I used 50k USD as an example because it’s pretty close to what I make in CAD.
With 50k I can pay my mortgage and be mortgage free in less than 20 years then I need way less than 50k to live, that’s also something people don’t take into consideration, once you’ve paid you’re debts and you just have to pay for food and taxes you’re left with way more than you’re used to. That’s not even taking into consideration the fact that you pay less taxes on capital gain in a lot of countries, so 50k in salary =/= 50k in capital gains!
We’re in the process of buying a house based on my income alone, we’ll probably have refunded the 250k loan in 15 years tops, probably 12, then we start stacking to retire ASAP.
Buffet cities? Every city I know has at least one buffet.
Cicis pizza cities only
Bigger, swipe typing does that sometimes 🤪
In some ways I understand it though. I’m sure the pecking order and bragging rights of being one of the only fans people that makes enough money to classify yourself in like the top 5% of income earners in America is probably more thrilling and exciting than having a PhD.
Plus, if she’s going for her PhD she probably already has her master’s degree so it’s not like she gave up academia entirely without getting anything from it.
That being said, I still agree with you. If you were close enough to be in the program you might as well just finish it off. What’s it going to do, stop you from posting your photos on only fans?
Uhh…do you people know anybody who’s been through a phd program? How would you rate their happiness from 1 to 10 while they were mid-phd program?
If that crap isn’t going to deliver them the world, it’s gonna be a reeeeeal hard sell to get em to put up with it.
This. I dropped out of my computer science PhD to start at the bottom of the industry in my early thirties.
If you don’t have a clear love of academia, a PhD is a clearly unrewarding slog.
And if you can earn a million each year as an alternative, why wouldn’t you go for it? I love science, but we live in a real world, not in a dream, and this real world decided that science wouldn’t be rewarding.
I know right? Imagine how much more a doctor could charge for sexy pics.
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