Worst would’ve been having a kid at 21, second worse was. It grasping how predatory credit cards can be. Survived the first but the 2nd one hurt the longest, now I treat credit cards like poison, I try to avoid carrying a balance at all costs and expend any extra funds to eliminate any balances before I look at other possible uses of that cash.

Software developers and other professionals in the US at least in my area are increasingly receiving “unlimited PTO” policies so you take whatever time you feel you need(but if it’s too much the company will punish you) and more so this has a two fold effect, unlimited PTO users tend to take less time off, and the company doesn’t pay out a PTO balance when you leave the company. So it’s really cheaper for the company to do this than to have a limited PTO policy.

Anytime I have worked for fintech I’ve been tested and fully background checked every time, pretty annoying but the trade off is the pay I suppose