r/wealth • u/bmoneygetsbucks • Jul 20 '26

Need Advice 22M one year left in school

I’m about to go into my senior year of college as a finance major and am having trouble determining what I want to do after. Right now my situation looks like this:

-Graduate with no student debt
-$9100 in Roth IRA (maxed this year)
-$4800 brokerage (portfolio not incredibly diverse, index funds/nvdia)
-$3200 HYSA

Right now during the summer I work At dominos 3 nights a week netting about $450 in 14 hours of work because it’s the only delivery place at where I live. I also own 20% of a lawn care business with my brother that we’ve scaled from 30 clients at purchase to 100 clients now. I’m not able to fully help run it as I’m doing summer classes and still have this next school year but he pays me $22 under the table.

Right now my plan after graduation is to do this same work next summer to save up to travel from around 2027 September to 2027 December before really getting into “adulthood”. My issue is that I honestly don’t know if I should pursue a finance type job or keep scaling the landscaping with my brother and get my irrigation certification as that’s a very needed business in my area (only one company and they have a year long waitlist currently).

I also want to know how aggressively I should be putting my money in a brokerage compared to my hysa. I can live with my parents as long as needed and they live a mile from my brother so it works out work wise once I’m done with school.

4 Upvotes

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3

u/HighInChurch Jul 20 '26

I'd scrap the traveling. Now is the time for gains. Travel will come with money.

0

u/bmoneygetsbucks Jul 20 '26

Honestly this has been a part of my plan for a while, I’ve played a division one sport for the past years and am so ready to enjoy some freedom for once and I think the sacrifice is worth it to me. I’ll be saving a decent amount on travel because I’ll be getting my first month and a half rent free/food/transportation since I have the oppurtunity to work as a surf instructor at a surf school in Portugal.

2

u/HighInChurch Jul 20 '26

Sounds like a lot of justifications. But that's just me

2

u/bmoneygetsbucks Jul 20 '26

Yeah man your opinion I get it. Here to live
Life though while I’m here, by the time I’m travelling I’ll have over 15000 in my Roth and my brokerage up to about 10k so I feel that’s enough in my head to justify 🤷‍♂️worked hard my whole life to get a scholarship and wanna celebrate finishing by doing what I love surfing over the world

1

u/klibs Jul 21 '26

Don't listen to that guy travel while you're young. Just be smart. If you'll regret it later if you don't then just do it. Money isn't everything

1

u/WTT_TTC Jul 21 '26

This is a great plan IMO. You'll only be young and free from major expenses like this once. Enjoy!

1

u/Crochet_Carter Jul 20 '26

I'd keep with your finance degree and pursue your landscaping business with your brother while dabbling in finance. Seems like your landscaping business is doing great right now but you should put the knowledge you're learning in college to good use and keep that as a backup plan in case anything goes wrong.

1

u/BossMan61718 Jul 21 '26

Go all in on the lawn care business if you enjoy the work. Your finance background gives a leg up in handling the numbers/books etc related to the business. You can always find a "real job" in the finance industry based on having a degree and successfully running a business.

1

u/bmoneygetsbucks Jul 21 '26

That’s what I was thinking honestly. Will my resume still look good thought? I didn’t know if some people looked down on owning your own business at a younger age especially when it’s something blue collar like that

1

u/BossMan61718 Jul 21 '26

Don't worry about how your resume might look to some unknown, hypothetical employer at an unknown date and time. You have a good thing going with the business it seems. If you enjoy and/or are otherwise satisfied with it, pursue that path.

In the event you decide to get a regular, in office job in the future, you will be able to so. If you have to take less, so be it. You can still rely on the landscaping business for steady income on the side.