Celebrating 10 years! 2007-2017

How I Think, and Why I Think That Way: A Struggling Law Grad's Positive Outlook on Life

Many people wonder why, with almost $300,000 in college debt mrinfinity07/14/13
-- I can learn to build my own tiny home (see this awesome w patentesq07/14/13
Hey dude, fellow Christian here and I like your post except cardinal07/14/13
I like your optimism but $300K of debt for law school is ove beachbumpd07/14/13
If your life is so great, why do you feel the need to explai abazungu07/14/13
To help others. mrinfinity07/15/13
You got me so good. You bringing religion into it broke the cardinal07/15/13
How can you be happy after bring scammed? What about re benniez06/24/18
You said you were going to stop posting here. codenameduchess07/14/13
yfwgi homelesscrackheadesq07/14/13
What does that mean? johnnycakes07/15/13
"You're flame, we get it." homelesscrackheadesq07/15/13
I like the attitude you have. Keep it coming. It's needed. bliptv07/14/13
I mean, I feel like by the time you get to $300,000 it sort jobsjobsjobs07/14/13
so you abstain from getting fucked up and avoid "mind drugs" deadjohnkennedys07/14/13
Also, this: "Internet forums where people whine and lament silk07/14/13
Your entire post comes off as a sad sort of justification fo fabio207/14/13
you said what i was thinking, but you used far fewer words i deadjohnkennedys07/14/13
Don't be too harsh-- if rationalization disappeared tomorrow silk07/14/13
This. Rationalization, also known as hope, delusion or denia uknownvalue07/14/13
Rationalization, indeed. All the things he is so happy abou heythere07/15/13
I did it to better myself with an honest belief I would/ wil mrinfinity07/15/13
I did it to better myself with an honest belief I would/ wil mrinfinity07/15/13
I did it to better myself with an honest belief I would/ wil mrinfinity07/15/13
I did it to better myself with an honest belief I would/ wil mrinfinity07/15/13
I did it to better myself with an honest belief I would/ wil mrinfinity07/15/13
I did it to better myself with an honest belief I would/ wil mrinfinity07/15/13
Sorry... Reloaded page too much. mrinfinity07/15/13
"Many people wonder why, with almost $300,000 in college deb depressedandhungry07/14/13
Seconded. A lot of the people here actually work, and sub codenameduchess07/14/13
"Pinch me Pinch me 'Cos I'm still asleep Please God Tell silk07/14/13
Anyone think there is some correlation between high student rubberduck07/14/13
Your Tim Tebowesque optimism makes me think you might have a exnite07/14/13
lol at this delusional turdlaw grad deadjohnkennedys07/14/13
I do not agree with a lot of what MrInfinity has said in the a8464807/15/13
Good for you. At least you have a good attitude about a terr whiteguyinchina07/15/13
"If someone told me I would be traveling to Europe (4x), Afr qdllc07/15/13
Who has been paying for all of your NeverNeverland liberal a depressedandhungry07/15/13
I paid for them due to an incredibly frugal lifestyle. I pa mrinfinity07/15/13
So frugal you went three hundred grand into debt, huh? I codenameduchess07/15/13
You are so much better than me lol mrinfinity07/15/13
Finally you say something correct. codenameduchess07/15/13
I bet your vacations were not as cool/neat as my 2 month Tha mrinfinity07/15/13
I'm gearing up for Peru right now.... mrinfinity07/15/13
one month in Egypt cost less than 2000?!?! I backpacked for whiteguyinchina07/15/13
"when your debt is forgiven after 25 years" I've looked i beachbumpd07/15/13
stopped reading after it said abstain from booze, tobacco, d shad24807/15/13
Glad to hear it. Saves me the work of avoiding you. mrinfinity07/15/13
Well I am curious how someone with 300k debt is able to trav shad24807/15/13
Lol sowwy mrinfinity07/15/13
I'm just smart when it comes to travel /shrugs mrinfinity07/15/13
mrinfinity: I said above that I admired your optimism but beachbumpd07/15/13
this prompted me to throw another $10k at my student loans jduno07/15/13
I might take $ome more out to get an LLM/masters in Econ + 2 mrinfinity07/15/13
OK now I see your posts are (as the yourger posters say) jus beachbumpd07/15/13
ha. I thought you some serious tim tebow preacher for a min shad24807/15/13
Not a flame, just giving the haters some of their own medici mrinfinity07/15/13
"Dearly beloved, avenge not yourselves, but rather give pla beachbumpd07/15/13
Thank you. Very true. mrinfinity07/15/13
Mr Infiniti will get the last laugh. Here's why. He's gett subprimejd07/15/13
Story doesn't make sense. Either a troll or someone remarka silk07/15/13
Lovely thing about being in school: You get to see your clas lawnotforme07/15/13
... inf201706/23/18

mrinfinity (Jul 14, 2013 - 12:08 pm)

Many people wonder why, with almost $300,000 in college debt and no job, how I can not be down in the dumps as they are. There are many reasons that I am satisfied, and even thrilled, with my life, and I want to share those reasons with my readers.

First, I realize that there is so much opportunity out there for me. I am still decently young and have a long time ahead of me. About a decade ago I would have never imagined traveling all over the world. In fact, I had never left the Northwestern United States where I was raised. If someone told me I would be traveling to Europe (4x), Africa (2x), Asia (2x) and Central America (4x) in ten years, I would have thought they were crazy. Yet, the truth was, I longed to travel, and I made it a goal of mine. In fact, I have found that goal setting has helped me become the person who I have wanted to be and it has allowed me to do so much in life. Yes, even go to, transfer, and graduate from law school!

Second, I want to say that I realize that there are many ways to get things done. I can own a home on IBR. I can purchase inexpensive land. I can learn to build my own tiny home (see this awesome website: Tiny House Swoon). There are so many opportunities in life for those who are willing to become creative.

Third, I have always believed in maintaining good health, eating right, and abstaining from alcohol, tobacco, and drugs. This includes "mind drugs." I define "mind drugs" as things that damage how one thinks. Mind drugs are all over the internet. Lately, however, I have found myself getting somewhat involved in mind drugs, and I have realized that they do nothing to help me. Internet forums where people whine and lament about life have no part in a healthy adult outlook. If you spend time reading websites where people are telling you that you can not succeed no matter what, or that you will fail, you will probably end up failing. You have to remove yourself from that way of thinking if you want to succeed. Pure and simple.

Forth, I am a Christian and believe in God. As such, it would be to spit in his face to not be thankful for the life He has given me. My life may not be completely perfect, but I have so much to be thankful for. God has assisted in me traveling the world and I have seen firsthand the lives of other people. I realize that many people have not seen the struggles that go on in poorer countries, and it is hard for many to realize (or even care) that others have a hard life. However, the reality is that many U.S. citizens have it exceedingly good and have little to no cause to complain. I do not believe that a student debtor who went to law school has any cause to complain upon graduation day. In fact, to do so is incredibly selfish and even somewhat vile. Of course, I have found that too many people only care about themselves and can not appreciate how well they have it in life. Complaining on the internet, sadly, has become a sport for some, and I honestly, with all my heart, hope that some of these people can one day make it off of the couch and see the world that is beyond their living room.

I have many goals for the future and I am very excited about them. This blog will continue to share how I go about reaching those goals while being thankful for and using my law school education. We have been taught so much in law school and I can not let all that go to waste. And further, I must remember that those who are vocal about and angry at law school are only a very small minority. Most law school graduates seem very happy about their choice to go to law school, and I am sure they will continue to be, as long as they stay away from toxic sites such as the ones that I used to frequent.

Perhaps after I am finished with my current book I will write a book on why law school can be a good investment and how a positive outlook in life will help a law school grad.

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patentesq (Jul 14, 2013 - 5:26 pm)

-- I can learn to build my own tiny home (see this awesome website: Tiny House Swoon). --

LOL

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cardinal (Jul 14, 2013 - 5:43 pm)

Hey dude, fellow Christian here and I like your post except for one thing, you want to write a book about how law school is a good investment. Please don't do this. This crosses the line from being optimistic about our shattered situation into promoting the scam IMO. Please don't promote the scam to make yourself feel better. Be selfless and honest about it all. One of the central Christian values to me is honesty, and humility. Therefore we must be blunt about WARNING our fellow man about the scam, which requires both honesty and a great deal of humility and selflessness (it certainly is humbling and even humiliating to tell another person that you've financially destroyed your life and made the awful mistake of going to law school.)

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beachbumpd (Jul 14, 2013 - 6:34 pm)

I like your optimism but $300K of debt for law school is over the top.

Even on a 30 year plan you are looking at over $2,000 per month payments with about $1,500 going to interest.

Hope it works out for you. I guess you could get a public sector job and get forgiveness in 10 years. Not sure if there is a cap on the 10 year forgiveness.

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abazungu (Jul 14, 2013 - 9:18 pm)

If your life is so great, why do you feel the need to explain yourself so much?

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mrinfinity (Jul 15, 2013 - 3:04 pm)

To help others.

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cardinal (Jul 15, 2013 - 6:03 pm)

You got me so good. You bringing religion into it broke the trolling rules man. Even trolls need to have some boundaries. Otherwise one of the best flames ever. My hat goes off to you brother.

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benniez (Jun 24, 2018 - 4:31 pm)

How can you be happy after bring scammed?

What about retirement?

What about getting married and having kids?

Everything is so expensive these days.

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codenameduchess (Jul 14, 2013 - 12:14 pm)

You said you were going to stop posting here.

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homelesscrackheadesq (Jul 14, 2013 - 4:22 pm)

yfwgi

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johnnycakes (Jul 15, 2013 - 7:28 am)

What does that mean?

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homelesscrackheadesq (Jul 15, 2013 - 3:16 pm)

"You're flame, we get it."

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bliptv (Jul 14, 2013 - 4:26 pm)

I like the attitude you have. Keep it coming. It's needed.

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jobsjobsjobs (Jul 14, 2013 - 4:35 pm)

I mean, I feel like by the time you get to $300,000 it sort of just becomes funny.

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deadjohnkennedys (Jul 14, 2013 - 4:53 pm)

so you abstain from getting fucked up and avoid "mind drugs" (are you one of these annoying kill your tv types?) and believe in a fictional dude who created all of us, and yet all you have to show for it is 300k in debt (probably from a gutter school) and no job prospects? sounds great. if i were you, i would have a serious drinking problem.

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silk (Jul 14, 2013 - 7:28 pm)

Also, this:
"Internet forums where people whine and lament about life have no part in a healthy adult outlook. "

I partially agree, but wtf is he doing on the site if it has no part in a healthy adult outlook?

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fabio2 (Jul 14, 2013 - 5:24 pm)

Your entire post comes off as a sad sort of justification for your utter life fail.

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deadjohnkennedys (Jul 14, 2013 - 6:08 pm)

you said what i was thinking, but you used far fewer words in your post. kudos.

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silk (Jul 14, 2013 - 7:31 pm)

Don't be too harsh-- if rationalization disappeared tomorrow, the revolution would occur by Wednesday afternoon.

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uknownvalue (Jul 14, 2013 - 8:51 pm)

This. Rationalization, also known as hope, delusion or denial, is what holds society together and prevents suicide.

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heythere (Jul 15, 2013 - 12:29 am)

Rationalization, indeed. All the things he is so happy about could have been achieved without $300,000 of debt or going to law school.

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mrinfinity (Jul 15, 2013 - 3:06 pm)

I did it to better myself with an honest belief I would/ will pay it all back plus interest.

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mrinfinity (Jul 15, 2013 - 3:06 pm)

I did it to better myself with an honest belief I would/ will pay it all back plus interest.

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mrinfinity (Jul 15, 2013 - 3:07 pm)

I did it to better myself with an honest belief I would/ will pay it all back plus interest.

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mrinfinity (Jul 15, 2013 - 3:07 pm)

I did it to better myself with an honest belief I would/ will pay it all back plus interest.

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mrinfinity (Jul 15, 2013 - 3:08 pm)

I did it to better myself with an honest belief I would/ will pay it all back plus interest.

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mrinfinity (Jul 15, 2013 - 3:08 pm)

I did it to better myself with an honest belief I would/ will pay it all back plus interest.

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mrinfinity (Jul 15, 2013 - 3:09 pm)

Sorry... Reloaded page too much.

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depressedandhungry (Jul 14, 2013 - 5:43 pm)

"Many people wonder why, with almost $300,000 in college debt and no job, how I can not be down in the dumps as they."

I am down in the dumps because I know that as a taxpayer I will help cover your pathetic overpriced education and your wasted excuse for a life.

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codenameduchess (Jul 14, 2013 - 7:53 pm)

Seconded.

A lot of the people here actually work, and subsidize your jaunts to Egypt and hours spent writing worst-sellers.

You should be ashamed.

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silk (Jul 14, 2013 - 7:22 pm)

"Pinch me
Pinch me
'Cos I'm still asleep
Please God
Tell me
That I'm still asleep"

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rubberduck (Jul 14, 2013 - 8:29 pm)

Anyone think there is some correlation between high student loan debt levels and high levels of delusion?

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exnite (Jul 14, 2013 - 8:58 pm)

Your Tim Tebowesque optimism makes me think you might have a promising career as a street preacher...

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deadjohnkennedys (Jul 14, 2013 - 9:34 pm)

lol at this delusional turdlaw grad

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a84648 (Jul 15, 2013 - 4:22 am)

I do not agree with a lot of what MrInfinity has said in the past. However, I am a firm believer that whatever your lot in life, make the best of it.

Taking out $300k in debt for law school in this economy is a bad idea. However, at the end of the day, you have to decide what you are going to do. You can be bitter or positive, and though your attitude will not immediately change your debt, it will affect those around you. I have learned in my life that being bitter will never effectuate change for good.

I applaud MrInfinity's positive attitude. He is trying to make the best of what he has. He may not have made the best decisions (and some of his current ideas seem a bit strange) but he is trying to do something about it and I respect that.

I also respect his believe in God, as everyone deserves to state their believe in a higher power without being mocked. I believe in God, but even as a Christian, I would equally respect and defend someone who does not believe in God as everyone is entitled to their beliefs without being mocked.

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whiteguyinchina (Jul 15, 2013 - 7:17 am)

Good for you. At least you have a good attitude about a terrible situation. But your attitude and the objective reality are two different things.

For $300k, you could have travelled the world for 5 years, and upon returning, bought yourself a nice home. Also, even though you are still young, with such debt your future is already predefined to a certain extent. Unless you hit it out of the park with your books and earn into the six figures, the debt will always haunt you and limit your options. The return of your invest,net, not to mention he actual value of your education (was study abroad worth it? So many other ways to live abroad), was not a good deal financially.

But every man is master of his destiny, and no one knows if you won't overcome these challenges. For sure, with a bad attitude, you never will, so at least you have a fighting chance. Just don't defend your past decision with your optimism about the future. It's two separate things.

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qdllc (Jul 15, 2013 - 11:20 am)

"If someone told me I would be traveling to Europe (4x), Africa (2x), Asia (2x) and Central America (4x) in ten years, I would have thought they were crazy. Yet, the truth was, I longed to travel, and I made it a goal of mine. In fact, I have found that goal setting has helped me become the person who I have wanted to be and it has allowed me to do so much in life. Yes, even go to, transfer, and graduate from law school!"

Did you do the traveling before or after law school. If after, how did you manage to do so much considering you have the debt liability hanging over your head?


"Second, I want to say that I realize that there are many ways to get things done. I can own a home on IBR. I can purchase inexpensive land. I can learn to build my own tiny home (see this awesome website: Tiny House Swoon). There are so many opportunities in life for those who are willing to become creative."

You are correct, but remember, when your debt is forgiven after 25 years, it will be treated as income. While the IRS will factor your tax liability (right now) on what your assets are when that day comes, you can bet the IRS will expect to be paid. So, if you own land, a home, etc. (even if it's modest), it will be an ASSET. Do you want to have to sell most everything to pay a tax liability?

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depressedandhungry (Jul 15, 2013 - 12:43 pm)

Who has been paying for all of your NeverNeverland liberal arts adventures? Traveling to Europe (4x), Africa (2x), Asia (2x) and Central America (4x), and then dabbling around in law school hardly leaves time for full time work. Sounds like you have either been mooching off of family/friends, or mooching off society in the form of student loans. That is your prerogative, but not being self-sufficient is not something that I would brag about. You are in the same league as OctoMom. Time to grow up and be a man, kiddo.

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mrinfinity (Jul 15, 2013 - 2:07 pm)

I paid for them due to an incredibly frugal lifestyle. I pay very little rent (live in area most are fearful of) and work while in school. Also, I shop cheaply and don't waste money, don't have cell phone bill, credit card debt, etc. also I sell books and have my own craft business with wife where we bring in extra money. We also travel cheap. One month in egypt cost less than 2000, subletted apt for 1300.

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codenameduchess (Jul 15, 2013 - 2:35 pm)

So frugal you went three hundred grand into debt, huh?

I tell you, when I get up before dawn to commute, look at the taxes taken out of my salary, settle for a smaller house and larger interest rate, and realize that I've taken my wife on two vacations in four years, it just warms my heart to know that my responsibility subsidizes your IBR, your parcel of land, and your worldwide vacations.

Give it a rest man. You are in deep denial, and you are a rent-seeker of the worst kind. You add nothing. You pick my pockets to live your lavish lifestyle, and you have the nerve to say you live frugally.

Like Father, from "Ragtime," you have seen everything, yet learned nothing.

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mrinfinity (Jul 15, 2013 - 3:01 pm)

You are so much better than me lol

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codenameduchess (Jul 15, 2013 - 3:12 pm)

Finally you say something correct.

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mrinfinity (Jul 15, 2013 - 3:12 pm)

I bet your vacations were not as cool/neat as my 2 month Thailand or 1.25 month Egypt trip. Or even the 1L month long trip to Central America... Or my 2L trip to Glacier or my 3L trip to Puerto Rico.... Hehe

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mrinfinity (Jul 15, 2013 - 3:13 pm)

I'm gearing up for Peru right now....

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whiteguyinchina (Jul 15, 2013 - 6:06 pm)

one month in Egypt cost less than 2000?!?! I backpacked for a year for around 12,000, including international flights. are you sure you know what frugal means? not having a cell phone isn't frugal, it's ghetto. even people on welfare have Iphones.

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beachbumpd (Jul 15, 2013 - 3:02 pm)

"when your debt is forgiven after 25 years"

I've looked into forgiveness the last few days and it appears that IBR qualifies you for forgiveness but if you go on an extended repayment plan, like the 25 year plan, forgiveness is not available.

Makes forgiveness almost worthless. If you stay on the required 10 year plan, your balance will be 0 at the end of 10 years. If you go IBR most public sector job salaries will leave you with a high monthly IBR payment and your balance at the end of 10 years will be small. (Probably less than the extra interest you paid).

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shad248 (Jul 15, 2013 - 2:00 pm)

stopped reading after it said abstain from booze, tobacco, drugs etc... hard to take a person seriously after that. You're either weird and/or creepy. Sorry


Edit: I missed the religion part. That's a drug to some people. I avoid your type at all costs

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mrinfinity (Jul 15, 2013 - 3:02 pm)

Glad to hear it. Saves me the work of avoiding you.

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shad248 (Jul 15, 2013 - 3:13 pm)

Well I am curious how someone with 300k debt is able to travel the world. It seems incredibily irresponsible. You are on a IBR, a government subsidy, and instead of paying back the loans to your country you are going out and spending money on yourself.

Selfish prick

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mrinfinity (Jul 15, 2013 - 3:17 pm)

Lol sowwy

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mrinfinity (Jul 15, 2013 - 3:17 pm)

I'm just smart when it comes to travel /shrugs

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beachbumpd (Jul 15, 2013 - 3:21 pm)

mrinfinity:

I said above that I admired your optimism but you are stretching your credibility. With $300,000 of debt you need to get on a repayment plan and pour your money into it (a month long vacation seems unappropriate).

You realized that your were "preaching" when you posted and knew that many on this board were struggling to meet their obligations. It is not unreasonable that you would be criticized (but not be personally insulted by name calling or demeaned for your religious belief). It is great that you have a sincere religious belief but that is not really relevant to the issue of addressing your extraordinary debt in a rational manner. I don't believe you mean to imply that God will cover your debt for you, that would be unreasonable to expect anyone to respect.

I agree with many posters that taking on $300K of student loan debt is a very bad career choice.

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jduno (Jul 15, 2013 - 2:18 pm)

this prompted me to throw another $10k at my student loans

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mrinfinity (Jul 15, 2013 - 3:03 pm)

I might take $ome more out to get an LLM/masters in Econ + 2 month India summer trip.

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beachbumpd (Jul 15, 2013 - 3:23 pm)

OK now I see your posts are (as the yourger posters say) just a "flame."

My mistake I tried to take you seriously and respectfully reply.

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shad248 (Jul 15, 2013 - 4:00 pm)

ha. I thought you some serious tim tebow preacher for a minute too

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mrinfinity (Jul 15, 2013 - 3:26 pm)

Not a flame, just giving the haters some of their own medicine. Some people are so mean lol

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beachbumpd (Jul 15, 2013 - 3:36 pm)

"Dearly beloved, avenge not yourselves,
but rather give place unto wrath: for
it is written, Vengeance is mine; I will
repay, saith the Lord."

Romans 12:19 (King James Version)

edit:
Of course the Bible also says "an eye for an eye." [Exodus 21:24 ] So I do not claim to be able to understand which path is correct. However, as a Christian, you should probably go with the instructions of the apostle Paul in Romans 12:19.

edit again:
It is pretty clear that a Christian should not seek vengeance but the New Testament also cautions against law suits. Not good news for a young Christian lawyer.

"You have heard that it has been
said, An eye for an eye, and a tooth
for a tooth: But I say to you, That
you resist not evil: but whoever shall
smite you on your right cheek, turn to
him the other also. And if any man will
sue you at the law, and take away your
coat, let him have your cloak also."

Matthew 5:38-40 (King James Version)

Might be best to leave religion out of any discussion involving the law. It could end your career before it starts.

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mrinfinity (Jul 15, 2013 - 3:41 pm)

Thank you. Very true.

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subprimejd (Jul 15, 2013 - 7:06 pm)

Mr Infiniti will get the last laugh. Here's why.
He's getting a bunch of degrees on tax payer dime. Gets to avoid working for a decade on tax payer dime. Gets to travel the world on tax payer dime. And in the end he can take off and live in another country with no loans.

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silk (Jul 15, 2013 - 11:02 pm)

Story doesn't make sense. Either a troll or someone remarkably able to delude themselves.

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lawnotforme (Jul 15, 2013 - 8:02 pm)

Lovely thing about being in school: You get to see your classmates flourish while you're still getting your 5th degree. Peeeeleeeeeese.

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inf2017 (Jun 23, 2018 - 3:28 am)

...

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