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Money and Life advice I got from Paper Towns

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“You don’t get to choose if you get hurt in this world…but you do have some say in who hurts you. I like my choices.” – John Green, author The Fault in Our Stars

The summer of 2015 my nieces really wanted me to take them to go see this movie. Not knowing what it was about, I decided to go ahead and take them because of their sheer enthusiasm alone. I was not disappointed. The movie was incredible.

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It is a coming of age teenage romance written by the Fault in Our Stars author John Green.

The movie was based on a Young Adult (YA) he novel he wrote entitled Paper Towns.

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It follows along with two young teens Margo Roth Spiegelman (played by Cara Delevingne) and Quentin Jacobsen or Q for short (played by Nat Wolff).

It was turned into a motion picture by Twentieth Century Fox and released in theaters on July 9, 2015.

The film is a series of adventures and near misses while we tag along with Quentin to find his dream girl, who goes missing just a couple weeks before high school graduation. Although, the film is fun, it’s the dialogue that really captures your attention and wins your heart.

If you get a chance, you can get lost, get found with Paper Towns.

WHAT IS A PAPER TOWN?

A paper town is a fake town that is created by map makers, as a way to protect their copyright, to know if they’ve been robbed.

In the film, it is referenced as a shallow town or place. Everything is so fake. A place that is fragile.

ALL STORIES HAVE A BEGINNING AND SOME ARE SWEET

“She had the kind of fingers you want to interlace with your own.” – Quentin

The story is based around the feelings Quentin has for his childhood sweetheart and crush, Margo Roth Spiegelman.

At a young age, it was shown that Margo was a precocious child. This intrigued Quentin. However, as they got older she became more outgoing and him more introverted.

Throughout my life, I have had to throw caution to the wind and go for what I want. If you want anything in this world, at times, you will have to do the same. You have to go all in and strike first.

For example, when I was looking a job many years ago, I decided to approach it as a numbers game. I said screw it. I’m just going to apply for as many jobs as I can and see what happens.

I must have put out 100 resumes. Out of all of those job applications, I got one yes. But that was all I needed. You only need one yes to change your whole life. It just starts with putting yourself out there. Nothing comes from obscurity and being shy. Sometimes, you have to be willing to shout.

PRETTY HURTS

“That’s always seemed so ridiculous to me, that people want to be around someone because they’re pretty. It’s like picking your breakfast cereals based on color instead of taste.” ― John Green, Paper Towns

What you look like on the outside is all vanity. Beauty is in the eye of the beholder. Do not let society dictate what you should be. Be you. And remember this: beauty fades.

“I’m starting to realize that people lack good mirrors. It’s so hard for anyone to show us how we look, & so hard for us to show anyone how we feel.” ― John Green, Paper Towns

You have to rely on more than just your looks in this life.  Eventually, you will have to take care of yourself. You better be up for the task or you will have problems.

I have seen tons of beautiful women have bad credit, horrible relationships, and be broke. But hey, at least they were pretty right?

It is not enough to be pretty. You have to be more than just fine. No one wants to marry a beautiful airhead or a beautiful fool.

This blog is all about financial independence.

Have you ever heard the saying a fool and his money is soon parted?

I rest my case.

MAKE THE FIRST MOVE

“I didn’t need you, you idiot. I picked you. And then you picked me back.” ― John Green, Paper Towns

Those who make the first move are usually victorious.

In the film, Quentin wants so badly to be with Margo. However, he always holds back. In this life, you can’t hold anything back.

Case in point, in this blog, I don’t hold anything back. I give you everything I have. I know that’s what I want when I deal with people. So, I make sure to do the same to others. Whatever it is you want in this life, this is my advice to you: make your move.

YOUR LIFE CAN CHANGE IN ONE DAY…OR A NIGHT

“Tonight, darling, we are going to right a lot of wrongs. And we are going to wrong some rights. The first shall be last; the last shall be first; the meek shall do some earth-inheriting. But before we can radically reshape the world, we need to shop.” – Margo Roth Spiegelman

I have read countless biographies of the rich and famous where they retell how a single incident changed the course of their entire lives.

Well, in this film, it is the night Margo climbed through Q’s window.

She asks him to borrow his mom’s car so she can go on a midnight caper of revenge or he could come along too and be the get a way driver.

Decisions, decisions.

PICK A PATH

“The way I figure it, everyone gets a miracle. Like, I will probably never be struck by lightning, or win a Nobel Prize, or become the dictator of a small nation in the Pacific Islands, or contract terminal ear cancer, or spontaneously combust. But if you consider all the unlikely things together, at least one of them will probably happen to each of us. I could have seen it rain frogs. I could have stepped foot on Mars. I could have been eaten by a whale. I could have married the Queen of England or survived months at sea. But my miracle was different. My miracle was this: out of all the houses in all the subdivisions in all of Florida, I ended up living next door to Margo Roth Spiegelman.” ― Quentin Jacobsen, Paper Towns

You can pretty much guess what answer he gave Margo.

He went with her.

Let the fun begin.

REVENGE IS A DISH BEST SERVED COLD AND AT NIGHT

“I always felt like you had to be important to have enemies.” ― John Green, Paper Towns

When she asks for his mom’s car, she tells him that she has like 11 items on her to-do list tonight and that most of them will probably require a getaway car.  

I remember that quote from Winston Churchill, “You have enemies? Good. That means you’ve stood up for something, sometime in your life.” Margo reminds me of that. She found out her friends had wronged her. So, she decided to take matters into her own hands.

“We bring the rain down on our enemies, not the scattered showers” – Margo Roth Spiegelman

That is a line that she says of their hit-and-run capers, on that fun-filled night, as she leaves a Zorro-like ‘M’ that is left at the scene of all her crimes.

Margo replies this when Q asks her if her scheme of getting revenge is necessary and if they can do something that is not so risky and harsh.

I have to agree. Sometimes you have to teach people a lesson. You have to tell people how you want to be treated. Stand up for yourself. You may not need a night of midnight capers to do it, but you can still send a message that you’re not a pushover.

“If you don’t imagine, nothing ever happens at all.” ― John Green, Paper Towns

Margo has some pretty extreme things she does that night.

First, they shop for supplies.

Second, they visit each one of her enemies.

Lastly, they celebrate their success at escaping getting caught.

I too like to celebrate my wins.

When I was able to start slowly paying off debt one by one, I celebrated each time. It keeps the momentum going. And just makes you feel good. Hard work = success and rewards.

  • Paid off my car. Then I treated myself to a spa day.
  • Then used that money to invest.
  • Once I hit my $100k mark, I turned my attention to hitting a target of 3 times more of $300k.
  • After I pay off each debt, I either save or invest that money.
  • I started saving $25 a week and slowly went to saving $100 a week and so on.

See my posts

How I turned a $450 car note into $100,000

They Shoot Greenbacks, Don’t They?

Money and Life Lessons from The Pirates of Dark Water

Finance Lessons from Flipping Vegas

 No matter how big or small. Winning just feels good so you want to celebrate.

BE PRESENT IN THE MOMENT

Quentin had the time of his life that night. It was a fun ride to say the least. And he enjoyed every moment.

Some dialogue from the film.

“What about the rest of your life?”

She shrugged. “What about it?”

“Aren’t you worried about, like, forever?”

“Forever is composed of nows,” she says.”

During that incredible night with Margo, Quentin is laughing and smiling. He was having so much fun.

“My heart is really pounding,” I said.

“That’s how you know you’re having fun,” Margo said.”

While they were running away from one of their capers, Margo says, “I mean, we’re ninjas.”

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Of his time with Margo, Quentin thinks to himself, “At least I carpe’d that one diem.”

As she left notes, at all of her crime scenes, Quentin notices her handwriting and remarks on it.

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“Interesting capitalization,’ I said.

‘Yeah. I’m a big believer in random capitalization. The rules of capitalization are so unfair to words in the middle.”

Absolutely. Live in the present. Enjoy the moment. Have some fun. Plan for the future, but don’t forget to live for today. Plan a visit with friends, or to a park or movie or museum. Or relax and take a break.

Seize the day!

There will always be something that requires your attention. I say if you have to work, find a way to have some fun too. If you’re not having fun, then what’s the point?

SURVIVE AND THRIVE

“I’m not saying that everything is survivable. Just that everything except the last thing is.” ― John Green, Paper Towns

No matter what life throws at you, handle it like an adult. You can’t always throw a temper tantrum every time you can’t get your way. You cannot use your fists and throw punches at people. Use your words. That’s what adults do.

It is not enough to merely survive. You do want to survive, yes. But you also want to thrive. Success comes to those who work for it. It is your duty to go out and get it. Your family’s survival depends on it.

If you ever saw the movie Troy, you heard the line, “guard this sword with your life. As long as a Trojan wields it, our people have a future.” Same rule applies for your family. You must survive and prosper today, so that your family has a future.

See my post Financial Independence in 10 years

LEARN HISTORY AS IT TEACHES US LESSONS

“Did you know that for pretty much the entire history of the human species, the average life span was less than thirty years? You could count on ten years or so of real adulthood, right? There was no planning for retirement. There was no planning for a career. There was no planning. No time for planning. No time for a future. But then the life spans started getting longer, and people started having more and more future. And now life has become the future. Every moment of your life is lived for the future–you go to high school so you can go to college so you can get a good job so you can get a nice house so you can afford to send your kids to college so they can get a good job so they can get a nice house so they can afford to send their kids to college.” ― John Green, Paper Towns

They say history often repeats.

Did you know that in the gilded age, robber barons held about 80% of all the wealth in this country about a century ago? And that many folks had no plan for retirement at all. No pensions, no 401(k), nothing.

That’s right. Before FDR created Social Security in the 1930’s, there was no pension for the elderly and many were living in poverty. Many people did not live past the age of 65. They did not have to plan so far ahead because many did not live long enough to see any type of future.

That has changed. Today people are living longer. You are your first, best, last, and only line of defense against living in poverty.  

Bill Gates said, “If you are born poor, it’s not your mistake. But if you die poor, it’s your mistake.”

Basically, he means you should do everything you can to build a better life for yourself. That means if you can’t go outside and play all day, you have to deal with it.

Can’t see that concert this week. Oh well.

You can only play one sport or instrument. Well, that’s it then.

You have to stay up and study all night for that big exam. That’s life.

Buy a new car or invest that money? Your call, but I suggest you buy a Honda or Ford and invest your dough.

See what I mean. Sacrifice. It yields great rewards.

HIGH SCHOOL IS NOT A DEMOCRACY

“High school is neither a democracy nor a dictatorship – nor, contrary to popular belief, an anarchic state. High school is a divine-right monarchy. And when the queen goes on vacation, things change.” ― John Green, Paper Towns

This is a nice take on the whole high school experience.

I felt high school was so silly. I could care less about who wears what or say this or that. I have never been a gossip. I kept my eye on the prize: high school diploma. Everything else is just stuff you do in-between until you reach the end of that goal. Most of the stuff that goes on won’t even matter after you graduate.

“I know it’s impossible for you to see your peers this way, but when you’re older, you start to see them–the bad kids and the good kids and all kids–as people. They’re just people, who deserve to be cared for.”

Amen.

“As much as life can suck, it always beats the alternative.” ― John Green, Paper Towns

You have to make lemonade out of lemons. There is always another rainbow and tomorrow does always come and it can get better. The alternative to getting old is dying young.

I will never forget this one time I was talking to an older gentleman and he said he felt old because he was retired. It went down like this.

Him: I feel old. Now, that I’m retired.

Me: Retirement means income.

Him: I like you. (He smiled and perked up.)

A few words of kindness can elevate someone mood, lift their spirits, make their day, and change a situation completely. So, be kind.

“Be curious, not judgmental.” – Walt Whitman

“You know your problem, Quentin? You keep expecting people not to be themselves. I mean, I could hate you for being massively unpunctual and for never being interested in anything other than Margo Roth Spiegelman, and for, like, never asking me about how it’s going with my girlfriend – but I don’t give a shit, man, because you’re you. My parents have a shit ton of black Santas, but that’s okay. They’re them. I’m too obsessed with a reference website to answer my phone sometimes when my friends call, or my girlfriend. That’s okay, too. That’s me. You like me anyway. And I like you. You’re funny, and you’re smart, and you may show up late, but you always show up eventually.” ― John Green, Paper Towns

That last line brought it home didn’t it? He started kind of shaky, but he finished strong. And that is how life is. You start out shaky and are working on a learning curve, then you finish strong. You do everything in your power to stay grounded, stay hungry, hustle hard, and stay humble.

I promise you, that if you ever get lost, the harder you work, the louder you shout and the more you seek to find answers and the truth, then the more likely it is you will find what you are looking for and get found.

Jobs that pay $70,000 a year

“I have learned that to be with those I like is enough.” – Walt Whitman

It also seems that, at some point, a certain amount of money is enough.

Don’t agree? Well, at least an author at Forbes agrees with me.

According to one Forbes article, at a certain point, the amount of money you have has no connection to how happy you are.

If you read my last post, Why the Rents shouldn’t pay your rent, then you know earning a decent salary is a must have.

I know. Easier said than done. You have a better chance of catching a fly ball at Yankee Stadium, than getting an entry-level position with a $70k starting salary.

However, bear with me.

I did some research and after a little digging found jobs (or companies) that pay a minimum of $70,000 a year.

Why is this post about $70,000 you ask? Great question. I will answer that here.

CEO PAYS ALL EMPLOYEES MINIMUM $70,000 SALARY

If you remember, just a few years ago, there was a CEO that read people are happiest when they make about $75,000 a year.

Well, he took that theory and ran with it.

He cut his own $1.1-million-dollar salary and gave every employee a minimum $70,000.

For some employees, this doubled their salary.

He made international headlines. This happened around 2015.

A follow-up article on the company showed that it did indeed help his employees and the company has grown. It doubled their amount of clients.

It seems doing good things, sticking to your convictions and principles attracts people and money to you.

Therefore, this article is about finding that happy sweet spot.

That my friends, is at about $70k.

WHAT TYPES OF JOBS ARE PAYING $70,000?

I did a search on online including indeed and other job sites. I just searched for jobs that pay $70,000+ salaries.

Here are some jobs that I found.

  1. Sales Representative

$75,000 – $90,000 a year

Job description: Selling automobiles.

Education level: Previous sales experience preferred.

  1. Compliance Specialist

$72,457 – $92,689 a year

Job description: Responsible for investigation and enforcement of ethics laws and regulations.

Education level: Bachelor’s degree

  1. Computer programmer

$71,385 a year

Job description: Computer programmers write code to create software programs.

Education level: Bachelor’s degree.

Median hourly pay: $34.32

  1. Radiation therapist

$74, 984 a year

Job description: Radiation therapists treat cancer and other diseases in patients by giving radiation treatments.

Education level: A formal training program must be completed, with many programs leading to a bachelor’s or associate degree.

Median hourly pay: $36.05

  1. Plumber Mechanic

$75,000 a year

Job description: Commercial and residential plumbing installation.

Education level: 5 years of experience.

  1. Financial analyst

$74,360 a year

Job description: Financial analysts guide businesses and individuals to make investment decisions.

Education level: Bachelor’s degree

Median hourly pay: $35.75

WHERE CAN YOU FIND THESE JOBS?

If you are looking for a job that pays $70,000, just do an online search.

Better yet, go to the website of a place you would like to work for and see what type of salaries they are offering.

Look up job titles and see what is the typical pay for that profession.

If the goal is to make $70k, then you have to start applying to jobs that offer that pay.

A starting salary of $70k may not always be possible, but with additional education or training it can be.

HOW DO YOU GET A $70,000 A YEAR JOB?

You have to have opportunity and be prepared.

Before you start college, do a little research.

Look for jobs that pay $70k or more.

Your search may turn up the following professions:

  • Physician.
  • Lawyer.
  • Software development manager.
  • Pharmacy manager.
  • Software architect.
  • Engineer.
  • IT Manager.
  • Finance Manager.
  • CPA.

When you know what a job pays, then you can start to decide what career path you want to be on, if the goal is to earn a certain income.

You are best not chasing the money, but pursuing a passion such as cooking, mechanics, computing, baking, sewing, or sports.

Do what is of interest to you. That way you are never bored and are involved in labor that you want to actually do.

Still not sure where to start?

Ask yourself: What do you do with most of your time now?

Can you turn that into a career?

Whatever it is, would you do it for free?

If the answer is no, then you probably should not make that your job and how you earn your living.

And once you figure out what it is that makes you tick, all you have to do is apply yourself.

Go to your local library and look up careers that interest you and what type of education and training you need.

Seek out a mentor.

Find someone that is already doing what you want to do and ask if you can take them out for coffee and to interview them.

Ask questions. Seek answers. They say those who seek shall find.

When you go to job sites and see what you want, then just hit apply.

Prepare a good resume.

Pick out a nice suit or dress for that interview.

It is well-documented that those who come in well-dressed are more likely to be offered the job.

Look up salaries ranges for the field you are in.

In addition, review interview techniques.

Here are some typical interview questions:

  1. “Tell me a little about yourself.”
  2. “What are your biggest weaknesses?”
  3. “What are your biggest strengths?”
  4. “Where do you see yourself in five or 10 years?”
  5. “Out of all the other candidates, why should we hire you?”

Prepare yourself as best you can for when that opportunity arises, you are ready.

They say forewarned is forearmed.

Practice your responses at home. Practice, practice, practice. Do your reps.

So when the times comes, you are not so nervous. Be confident. Confidence is key.

Then when that job offer comes through, you can say without any reservations: Yes, I accept!