Middle age advice from a younger me

>>3031179
I'm 22 and have no concept of financial responsibility, and can thus offer no useful advice. But if you post goes unanswered, I've found the personalfinance subreddit on Reddit to be an excellent resource if you haven't checked it out already.

>>3031179
>what would you do in my position?

Firstly; I'd reconsider a high end rental, gourmet dinners and lots of expendable income when I still have $5K in CC debt.

Learn about good debt and bad debt: credit card debt is most certainly, absolutely bad debt. I'd spend the next four months discarding gourmet dinners and re-evaluating the amount of income I allocate as disposable; and use it to kill the credit card debt as quickly as I could.

In fact; I'd probably substitute every cent I spent on unnecessary shit with paying off my CC debt and give myself a deadline (i.e in 4 months, whatever I haven't payed off in that debt, is coming straight out of my savings to cover it).

Then I'd start saving. I'd take a realistic look at what I need versus what I want. Do I really need gourmet dinners every night and a high end rental? Or do I just need enjoyable food and a decent place... Do I need lots of disposable income? Or do I need to have a decent amount to retire on when I'm older...

Also, it's sweet that you're in a safe position with your work but man, shit happens. Consider a situation where the current boss has a heart attack & dies, and his son leaves temporarily to sort out family issues. In the interim; the foreman fucks up some work, and a law suit ensues. With diminished capability to operate and manage, it'll take a few bad situations to put you in a bad situation too (electrical problem for a few days; engineering jobs can't get done, money is lost, reputation sinks, customers turn away - all of a sudden no guarantee of a job / pay rises / new position).

Not trying to be negative (I'm a risk consultant so contingency is my mindset constantly), but you need at least 10x your current savings before you can start relaxing, enjoying gourmet dinners, renting high-end places and feeling 'secure'. All it's going to take to fuck you back to square one is a single bad event in your life.

tl;dr;
>Am I sorted?
No, no you are not.

>>3031304
Thanks for the input.
As a 36 year I can give you some advice I wish I could have given myself....Start giving a fuck.
You WILL get old one day and you will probably regret your younger decisions.

>>3031179
>I've written off owning a home, I cant have children and have little family under me.

what are you working for? just to retire early and live off your days?
are you stuck in a high priced city like auckland or wellington and can't afford a house within a 90 minute drive?

you seem pretty set as is, only big thing to avoid is being the mid life crisis guy who marries some asian lady and has a kid in 10-15 years

Check out Mr. Money Moustache, it will change your life.

Start buying index ETFs and if you're feeling cheeky 10% of your savings into ETH or BTC (NO shitcoins)

>>3031179
>no kids
>cant have children
Do whatever you want, it literally doesn't matter - you're a genetic dead end. If I were in your position I'd probably be dead already. I mean, I guess you could accomplish something memorable - invent a thing vital to humanity, cure a disease, gas all the kikes, become a serial killer - but if you're just going to lead a normal life until you transition into a rotting corpse.. what's the point? Momentary pleasures?

>>3031426
I'm in Pukekohe, south of Auckland.
I have no strings and could easily move the to South Island for retirement where things are much cheaper. I fell in love with Foxton desu but the SI is still desirable.
As of now I'm working for retirement but not wanting to go without for my livable years since most males in my family tree die young.
I'm reasonably healthy and expect to work till 70 (I get bored and go insane on a 3 week holiday)
I guess I'm in the midlife crisis right now. Accepting that I might not die die young and used to living a nice lifestyle that I wouldn't want to drop under

>>3031462
I've contemplated all this stuff and dealt with depression. I know I'm a dead end and it sux.
I get fulfillment from my job knowing the solutions I'm involved in and the things I create are boosting the economy and will outlast me.
What else am I gonna do?

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>>3031179
dude you need to impregnate anything fast. I guarantee you it will be your biggest disappointment if you don't

>>3031517
So if I wanted to gamble a thousand NZD in crypto, how would I get started?

>>3031538
My shit don't work

>>3031462
r-rick? Is that you?

>>3031462
>Do whatever you want, it literally doesn't matter - you're a genetic dead end. If I were in your position I'd probably be dead already. I mean, I guess you could accomplish something memorable
Why not both?
I'm gonna settle for a kyoot 18-19 y/o.

>>3031462
https://en.wikipedia.org/wiki/Last_man

>>3031628
I've grown out of nihilism dude.
I keep fit so I can feel better about my life and do my job better. I have realized I'm probably going to live around 20 years passed my workable age