Everything I have ever learned leads to one conclusion there will be less than one billion people still alive in 20 years. First of all this will be a tangent but I need to write down everything I’ve been thinking about for my own sanity, if you don’t read all of it please at least read the conclusion because the conclusion is going to be about how to persevere through the next 20 years and not give up. First of all the world population is not 8.2 billion like the UN says, but is around 7 billion. The UN overestimates the birth rate and never accounts for drops like they should. Jesus Fernandez villaverde, who is the best demographer on the subject states we will reach peak population in about 2045 or even 2040. His model is different from the UN ( peak pop. At 2080’s) because he actually accounts for dropping birth rates. One thing he didn’t account for however is countries overstating their population. China claims that their population is 1.4 billion but their one child policy says otherwise, it was around for at least 2 generations meaning over time the population of young people should have quartered but instead it increased. There are Russian and Japanese studies that claim the population was actually anywhere from 800 million to one billion before the pandemic and after it could be half of that because china was hit the hardest by Covid. Look up ( lei’s real talk ) on YouTube she breaks it down properly. And other countries like Nigeria have not taken censuses in decades leading to overestimated population through basically guessing. Nigerian government officials have come out saying that the population of Nigeria is 135 million not 235 million. this means the current population is 7 billion and near the peak. now that we know about the actual population let’s talk about collapsing demographics most countries have a fertility rate below 2 and the ones above that are rapidly falling just look at South America which is now at a similar birth rate to the US, and African countries TFR ( total fertility rate or kids per woman ) decline by 1 point every 15 years, now most are at around 3 leaving 30 years before the population collapses in African countries which are the highest fertility countries in the world.

I would say if you can use credit on normal expenses and even business expenses, and then pay it off responsibly every month use it cause there is cashback and it's essentially free money and a higher credit score. For some cards you even get travel points so you can take free trips essentially.

I've been with ladies before but I made same mistake as Bo, maybe not the same way, but definitely made mistakes. I am not as lucky as Bo to have supportive parents, but thankfully I have a path that works. Will be sleeping out of my Prius and building my reselling business up, I am being helped by other six figure and 7 figure earners(friends, cause it's a skill I have to make friends haha), so safe to say with 12 hours a day of ACTUAL work I can make $240k a year($200k) profit but have to structure my taxes right too lol, then I'll get an amex card and use for travel points to travel 4x a year 😂 but any thoughts on starting a YouTube channel?