What is there even to debate? If you want ice cream for lunch, have it. You're a grown-ass adult now, aren't you? I always bring my lunch and snacks to work but ice cream is an inexpensive alternative to buying lunch for sure. PS- where I work, there are some great food trucks parked outside all day long, but they're 'spensive!
Mine is zero, or a negative amount. One: I dislike cell phones and don't own one. Two: my house phone is bundled into my cable bill and they tell me that if I canceled the phone part my cable bill would be higher.
I'll give you the same advice I give my kids. Send out resumes. Keep your resume to one page but fill the space with detail. (No typos!) But don't go into hobbies and personal stuff. You need to have a certain unspecified number of resumes out there in the pipeline before you start getting responses so don't give up. Always include a personalized (for the job) cover letter! Apply, apply, apply. Go to as many interviews as you can get-- you need the practice, everyone does. Once the interview is over, forget about that job and look for the next opportunity. Don't dwell on that dream job. Like a shark, keep moving. When you are being interviewed, be the most up-beat, positive-energy person you can be, even if totally fake. When asked about your last job or present job, say "I love the job, it's the best job I've ever had! The people I work(ed) with are fantastic. I would work there forever, if only--" This part, you have to figure out according to circumstances. One most important last thing-- in your interviews, say as little as possible while looking/seeming as intelligent as possible. I guarantee this works! Money-back guarantee.
Sign me up! Oh wait, I need a group of like-minded friends. Or even: friends.
Actually lawyers work very, very hard, especially starting out. If this guy is not finding that to be the case, I don't think he'll be very successful at it. I went to law school and working as a "first year" really kicked my butt. What a nightmare. I went back to being a (highly paid) paralegal. Very happy about my decision. And I only have $33K debt because my family helped me with tuition.
It's unfortunate that you don't feel the good of a paid-off student loan until after you make the last payment. If only it were like a credit card where, as the balance gets lower, the minimum payment does too, and if you pay more, it gets even lower. But no, it's like a mortgage, only when it's paid off you don't own anything except a little peace of mind. My interest rate is so low on my loan that I hesitate to put money towards it, but if I did want to pay it off in 3 years, I'd have to pay almost $1000 per month. And that's not even such a big loan! Let's face it, the problem is the cost of education-- too high! That is the reason you have this loan hanging over your head.
Here's what you do when you're looking for a job: send out resumes with great cover letters; go to interviews and be the most positive version of yourself possible (even if fake) but don't talk more than necessary. Then, put that job opportunity out of your mind and get busy looking for the next one(s). Sometimes you hear back and sometimes you don't but, like a shark, keep moving forward.
That joyful free-spirited college experience is growing scare-- not just for you. Only the very rich can manage it anymore. Sad but true.
No one will touch this with a 10-foot pole apparently.
PS- I think it's dumb to expect the same standard of living after you retire as when you were employed and making money. I am already frugal and I fully expect to be a penny-pinching old lady, but why should it be otherwise? I'm not that wedded to luxury so I'm ok with that.