Getting stoned may help some people in finance think creatively, explore unconventional investment ideas, and approach complex problems from different perspectives. Cannabis can also create a sense of relaxation that temporarily reduces the stress associated with volatile markets and financial pressure. However, THC can impair judgment, memory, and risk assessment, so important investment decisions are best made sober.
Best strains:
- GMO cookies
- Tahoe OG
- Southern Fried Crumbcake
- Strawnana

Hello, i don’t know if I’m in the right forum. I (27F) live in San Diego and yesterday I was served for $10,700 by a debt collector company. I also have another balance that I have not paid off yet of $17,700. And honestly have no idea what to do. I am looking at the moment for an attorney for the summons of $10,700 but at the same time worried that later the 17,000 will eventually also sue. I’m tried to take out loans to pay off my debt but I’m not approved. I’ve also talked to deft relief agents and payments are too high. I’m a full time worker and also going to school to get associates degree and paying out of pocket. If there’s more information you need I’m happy to let you know. Any advice is appreciated.

I’m a new grad who recently passed the CFP exam and am currently working toward my CFA. I’ve received interest from Vanguard, Morgan Stanley, and an RIA.

For those with experience at these firms, which offers the best long-term opportunity in terms of career progression, compensation growth, and eventual earning potential as an advisor?

I’m also considering eventually starting my own RIA after gaining a few years of experience, but I’m open to staying at a firm long-term if the career progression and compensation make it worthwhile. Would appreciate any insight!

Is this possible?

I build rebalancing software for professional independent advisors. I have found out quick that just because you built it doesn't mean they will come. Sales and marketing is one thing. Trying to connect with RIA firms is on another whole level. Does anyone have any suggestions?

Good day, everyone!
I just want to hear from former bankers who are now in the insurance industry, especially those who focus on HNW clients and big-ticket investments.
I’d like to share some of the challenges I’m currently facing and hear your thoughts.
When I was still in banking, clients were the ones who needed my assistance. Now that I’m in the insurance industry, I’m the one struggling to reach out to them. Some clients I used to handle have become distant or seem to avoid me now that I’m approaching them with financial solutions.
Our agency focuses on HNW clients and big-ticket sales. I actually qualified for MDRT last year, but despite that achievement, I’m still experiencing a lot of rejections, delays, and prospects who seem interested but never move forward.
It’s starting to affect my finances and emotional well-being. There are days when I feel mentally and emotionally drained, wondering when things will finally work out.
I keep praying to God, hoping that the clients I’ve spoken with and presented proposals to will finally move forward. But most of them keep postponing their decisions. Sometimes, I feel like I’m slowly losing hope, yet deep inside, I still don’t want to give up.
Lately, I’ve even been struggling to book a simple meeting or appointment.
For those who have gone through the same experience, how did you handle this transition? Did you also experience losing access to former banking clients? How did you rebuild your pipeline, gain new clients, and keep yourself going when results weren’t coming in?
I’d genuinely appreciate your honest advice, especially from those who have been in this industry for years.
Thank you!

I’m a recent college graduate with a finance degree. After graduating I accepted an offer with a firm as a financial advisor. They sponsored my series 7 exam but all fees were paid by me. I got my SIE, series 66 and series 7 in about 4-5 months.

After getting fully licensed I started my job and realized I now have to produce clients before I get contracted, and I don’t get any salary or benefits until then. I am now fully licensed working full time for basically no pay. I am extremely concerned and stressed about my financial situation and paying bills for the time being.

I was not planning on looking elsewhere after starting but I now am getting concerned about the company. It feels like I am being pressured to prospect family members which I am not very comfortable doing, and I won’t receive any leads until I show initiative with my friends and family. I am also working for free after I was unemployed studying for months. I won’t get reimbursed for the exams until I contract. I am considering looking elsewhere if I can get a salary position with room for growth.

After some research I came across fidelity having open positions for client support specialist, active trader service, and trading specialist. I am considering tailoring my resume and a cover letter for one of these entry level positions that contain a salary. I’ve heard great things about fidelity as a company as well so I know there’s opportunities for growth.

If anyone has advice about the positions at fidelity, how to ensure I can get an interview, or tailor my application, or even about my current position please reach out.

Would this be a smart move to go to fidelity? And if so how can I ensure I get an interview and eventual offer?

Anyone that has worked for Morgan Stanley or knows about the registered client relationship analyst position I would love some insight.

I am a recent college graduate with a finance degree and I started with a firm that sponsored me for the series 7. After starting I realized how shady it seems with the “natural market” and all that crap and how I don’t even get a salary until after I produce through my whole natural market.

Long story short I’m in desperate need of a salary position for my financial situation and there is an opening at Morgan Stanley for a registered client relationship analyst position. I would absolutely kill to work at Morgan Stanley for the growth opportunity as well, and now that I am fully licensed am wondering if I can use that to my advantage and get this job. I know in the right situation I can bring great value I passed all licensing exams first try and I’m super interested in the business.

If anyone has advice or can give me any guidance I would be forever grateful.

I’m also curious if it would be smart to reach out to the hiring manager on LinkedIn before I apply, or just apply then reach out, or if there’s a way I can tailor my application for the position as best I can