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May 31, 2024
9 Free Financial Modeling Lessons
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Being Johnny Cashflow, I’m sure you’ll appreciate this. My junior year of college, I dated a girl whose grandfather’s brother was Waylon Jennings. I love Texas.
Haha! That is what I am talking about!
Such a dope pic
I have worked and lived in nine countries. Grew up in a very interesting family before that, by the time I was 15 I had lived in several different places.
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Dude wtf does that even mean
removed
Wow! That's crazy!
ama time?
Whoa Andy are you allowed to say ama?
Would love to see it.
I'd be up for it if there is interest... not very finance related but I do have some cool stories.
oh hell yes
I wipe my own a$$
I eat my own ass
I helped college basketball star Zavier Simpson cheat on a test by sliding him my scantron.
From mid 2016-2018 I was pretty much homeless, bouncing around from arrangement to arrangement, but ultimately I spent most of the time sharing my best friends floor with bed bugs. Two separate 6 month stretches. 0/10 would not recommend
I had always wanted to travel and had recently became aware of the working holiday visa. After I got my tax return in 2018, I figured, why be homeless in NYC when I can be homeless in Australia? I also figured that between the wages in AUS and me being able to live on nothing, that I'd easily be able to afford travel for a few more months plus have money to get back into college. So I bought my visa, and a ticket to Brisbane (shoutout Stones Corner)
Fast forward about 4 months, and I'm now working in the Australian outback as a dishwasher at a remote resort. I went home sore and calloused every day, but I was happy to know that I'm making progress, and who else would have the balls to drop everything and start from square one in a different country? I was proud of myself.
Time went on, and while making small talk with the other employees, I learn a gram of the devils lettuce is $50 AUD.
Now me, partaking myself, on occasion, wasn't even about to entertain that price, but then I was struck by something I had previously done so well with managing; Greed.
I was already clearing a good amount with virtually no expenses, imagine how much more I could make if I dealing!
So I ordered 100 thc caps at $2 each, thanks to someone my previous roommate introduced me to, with the rationale that if employees were willing to pay $50 for a gram of what I assumed to be dirt (at least compared to what I could get state side), they'd definitely be willing to pay $50 for something that'll last longer and help with post-work soreness.
Unbeknownst to me at the time, meth is so prevalent in the towns around the part of the outback I was in, that every post office had a K9 unit (Not sure if that's what they're called over there but you get it).
Long story short, police pull up to my job, I plead ignorance, they point out I went to the post office to inquire about the package (because my shipping conveniently never updated), yadda yadda yadda, after a taped police interview, I get a court date in the Australian Outback.
Now, initially it was just a slap on the wrist charge, so I had planned to let legal aid handle it in my absence and go to a different country with the money I had saved. I bought a ticket to Bali, a visa to India, and a ticket to New Delhi
TWO WEEKS before my flight to Bali, and my legal defender emails me saying that not only have they upped the charge from Possession of trafficable substance to Possession of a commercial amount of a trafficable substance (or something like that), but that I should also look into getting an actual lawyer (or as they say, Solicitor).
So I spent my remaining time deciding whether or not I was going to make a run for it since my flight to Bali was 2 days before the court date. Just a couple of days to decide if I wanted to risk 14 years behind bars in the Australian Fucking Outback. Ultimately, though, I decided to go through with the trial for a few reasons:
My momma didn't raise a bitch. I put myself in this situation, so I had to see it through
Thanks to me being able to live on nothing, I was able to just barely afford a Solicitor who just happened to be flying out to represent someone else from the resort
If I got caught trying to flee the country, I'm sure that would have been 100x worse
The day before the trial, I call my mom and tell her everything, except for how long of a sentence I was facing. I promised her that if I beat the case, that I'd come home right away, and work on getting back into school.
Now I'm now a freshman accounting student with aspirations of becoming a CFA lol.
TL;DR Australia is a lovely country 8/10 would recommend
I'm half Auzzie - cheers mate
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This is amazing. Thanks for sharing.
I'll bring it back to Covid. Dr. Anthony Fauci went to my high school, and was captain of the the basketball team. We're thinking of making throwback jerseys of his name/number.
I also once accidentally flipped a sailboat, and have spent a weekend in The Tombs.
Great high school
Used to be a pro wrestler.
I mean chair shots, going through tables, WWE style.
ama time?
Sure wouldn't mind. I wasn't big time tho. I was equivalent to your average musician playing coffee shops and wherever to get noticed.
YES!
Sometimes when I'm in the mood, I jerk it with my left arm (until I cum)
why are people throwing MS? muscle imbalance is no joke..
used to do some bookmaking in high school
used to trade luxury women's handbags
I grew up in a single parent family where my mom would work multiple jobs and commit about 85% of our household income to sending my siblings and to private school (it’s not in the UK, but it followed a British education system). I won’t get into details about my childhood etc (which included a vast number of equally interesting events in and of itself). My mom battled enormous adversity and prejudice in the workplace and in society (she was a foreigner in a largely sexist, developing country) and only made it through grit and street smarts.
In Year 13 (For Americans, it’s the final year of your pre-university education) my mom comes home to my younger brother and starts crying uncontrollably. My mother had suffered from a sequence of stress related seizures at work and was deemed unfit for work and was fired. Skipping some of the unnecessary details, she revealed to us that we were now unable to afford to send both of us to this private school (which FYI is not nearly as expensive as it would be in the UK, but it was the only school that offered the British curriculum in my country). Naturally, she suggested that my younger brother should be the one to withdraw because I just needed one last year before I’d be off to university (government funding for post grad is very easy to obtain if you are ‘good’). I couldn’t quite explain why, but the thought of that really left a bad taste in my mouth and felt that my younger brother did not deserve to endure the experience of having to explain to his friends when he would inevitably rejoin the school the next year. So I straight up told her that fuck that, I’ll just study at home. Again skipping some more details, apprehensions, second thoughts, tears and apologies - I left behind my school, deleted all my social media and begun my journey to find a maths tutor. I spoke to the Principal, he shed a lot of tears and without even asking, he offered to let me sit my exams in the school + have my history coursework marked (since its internally marked by a lecturer).
The year was honestly very arduous. I was obviously not happy with the situation and experienced my fair share of ‘woe is me’ moments. I didn’t want to show my face to anyone and basically kept to myself. I didn’t speak to a single friend and spent all day at home waking up and studying on my own accord, then going to the gym in the evening. We didn’t have WiFi in my house, so I’d download past year papers and notes etc using my mobile data. Gym was a daily reprieve I could look forward to where I could abuse the WiFi to watch YouTube videos whilst on the treadmill.
Long story short, everything worked out. I found a maths tutor who found out from a person in my school (We initially never explained what happened, just that I wanted tuition) and she would make me really nice lunch and coffee, let our classes (one on one) linger beyond the time limits at no cost. She was pretty young and quite pretty ngl and really invested a lot of effort in me and my overall well-being. I learnt and enormous amount about life from her, and she was actually the person who introduced what IB was to me (she tried to get in and couldn’t in the UK.)
A mom’s friend who’s a therapist also offered free quickly sessions for me and I really benefited from it. I learnt how to really think critically and reflect on my thoughts and actions. I would consider myself quite an emotionally intelligent person and attribute all of this to him.
The time at home also gave me hundreds of hours more quality time with my mom than any of my siblings would ever be able to claim. I learned about her divorce, her thoughts, her strengths, weaknesses and all that stupid shit. I’m pretty clearly her closest child at this point, as nasty as it might sound.
I ended up doing pretty good and got into a semi -target for my undergrad (didn’t get the grades for the target that I had gotten an offer for) but I had built up a work ethic, discipline, calmness and confidence that I wouldn’t trade for anything. I was the beneficiary of some really shit circumstances that turned out to really be a blessing in disguise. I got a full scholarship from my government and my mom didn’t have to pay a single cent. Things are going very well for everyone now.
My family’s financial health rose drastically through a serious of smart business decisions. My younger brother is in med school, my older brother (who was already at uni when this happened) passed the bar on his first try and is working in corporate law. I’ve got an offer from an American BB in London (hopefully one that gives an automatic full time offer XD) and an offer for a top target for an MSc Finance which we can now readily afford. The career success I’ve had recently dont even amount to a single iota of the happiness my personal life has imbued me with.
Things are going very, very well and I’m extremely happy. So, so much adversity was overcome by my mom (skin cancer, rheumatoid arthritis etc) and I’d like to think I put in some effort too. Life is truly great.
![https://media1.giphy.com/media/5fBH6zf7l8bxukYh74Q/giphy.gif][https://m…]
I'm a minority
I like going 60mph+ on a snowboard.
Where do you ride most frequently?
I went to Breckenridge CO last. And in 2018 Copper Mountain for boardercross nationals.
I wish I could get out there more. I didn't have a chance to go this past season. Snowboarding is my escape - I love it.
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What word tripped you up?
I could spell “autoerotic asphyxiation” in the second grade, but I never got a medal for that :(
Been hit by lightning
My sister was hit by lightning too in a solo flight. The plane’s electric system cut out and she went into a free fall, but the system cut back on and she managed to land safely.
Was in a friends house on a hill - bolt hit tree next to us, hit the ground, hit his car (completely fried it) and then the room we were in. I was leaning against gym equipment got shocked and split my beer can completely in half. Most memorable part is the flash of blue light outside the window/deafening sound. Still get muscle shocks some five years later.
I can tell you the exact amount of water in a glass just by listening to someone pouring water into it.
Doubtful, because you have yet to name your method of measurement (ie how many ounces).
Your lack of specificity brandishes my doubt.
Just over 1% of the time I've been alive has been spent in the hospital (as a patient)
My dad came out as gay to my mom after 20 years of marriage.
i ran 100m dash in 11.98 seconds
This topic has made me realize that I am not all that interesting.
I was a professional DJ
So you're Dutch
Nope
donated my kidney to my uncle to save his life
I don't even know, I should probably ask my friends about it.
i can feel my entire body on the back of my front teeth with my tongue.
if i massage someone, i can feel their knots and shit through my hands in my mouth with the tip of my tongue
i saw a ufo once over a field
The beginning.....
Wow. We have come so far....
I was robbed at gun point inside a McDonalds. I think that's pretty cool.
Yeah, sounds awesome.
Partied next to Dennis Rodman at 1OAK lol
I do not have any mental health disorders that are diagnosable in the DSM-5. (Biologically my future children are set)
I write in cursive.
According to the IQ tests I've taken my spatial intelligence/reasoning is off the charts. Sadly this is the worst kind of intelligence to have in my opinion.
Your children may still get a mental illness.
I've had multiple threesomes. The cool kind.
I have a leftward sloping penis
Verbs are great to use in sentences. You should try it out.
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