More FAQ
What do you do now?
I still work for the same bank, but now I’m working on the investment banking side as opposed to the retail bank. My job title is Private Client Associate. In a nutshell, I work as a duel assistant to a Private Banker who manages large loans and deposit accounts and a Financial Advisor who manages investment accounts. I get a base salary and get paid out commission on production from both the Private Banker and Financial Advisor that I work with. A typical day for me is processing paperwork as changes are made to client accounts, managing referrals we get from the retail bank, and making lead calls to set up appointments for our team so they can spend as much time as possible in front of clients closing deals and generating new revenue. My tentative goal is to become a Financial Advisor. The bank pays for exams, study materials, and study time that I need for that role.
How’d you get that job?
I started as a banker with the company on the retail side. I consistently exceeded sales quotas and was a top performer. I successfully completed a program to get licenses needed to be qualified to work in my current position. On the retail side I was ultimately promoted to branch Assistant Manager but only held that title for about 3 months before being offered my current position. I didn’t have a personal relationship with anyone on the investment side of the bank, I earned my spot based off of my interview and track record.
Any financial advice you can give?
Some general advice: 1) Pay off your credit card debt. Make that a financial priority before getting into investments, whether it’s stocks or purchasing property. 2) Start saving for retirement. If your employer matches your retirement contributions and at minimum you’re not contributing the amount they’ll match, you’re basically missing out on free money. Taking advantage of compound interest at a young age makes a huge difference in being able to meet retirement goals, nobody wants to outlive their money but it's going to become an increasing problem as life expectancy continues to grow.  3) Utilize a rewards credit card to make purchases and only use it for purchases you can pay off immediately. If you use a debit card you’re not earning anything back for your purchases. If you leave a balance on your rewards card and are paying interest, you’re paying more than what you’re getting back in rewards. Whether you should opt for a cash rewards credit card or a travel rewards credit card is a matter of preference. Some cards have an annual fee so they only make sense if you’re earning more in rewards based off of your annual transactional volume than you are to pay the annual fee.
What’s up with your Instagram? Do you model?
Social media is a creative outlet for me. Honestly I get way more joy out of coming up with a concise quote/caption than I do from taking pictures. The pictures are almost always an afterthought for me, a way to express what I want to say in visual form. With that said, no, I wouldn’t say I’m a model, I consider myself to be pretty average looking. If anything I’m an “influencer” but that sounds pretentious as I’m pretty low-tier when it comes to “influencers” on social media. I sometimes get offered free stuff and/or money to promote brands. I’ll leave it at that.
Do you still do music? Have you thought about branching off to YouTube?
I’m currently focused on my career in wealth management. Maybe after I’m done with my exams and don’t have to study anymore I’ll get back to other areas of interest. I have an insane amount of respect for people who are successful prior to fame. I found out last year that Martha Stewart was a stockbroker before blowing up and becoming a household name. To me, that’s cool as fuck. The ability to be well-off without having the whole world watch you nonstop is cool as fuck. Being multi-talented and having options is cool as fuck.
