Help With Decision, Please!

[SimpleGuy]

Hi guys, give me some honest advice on the situation, please. 

I live in Russia, I am 19 years old. I found one course that will greatly help me in making money (as I think). The course costs 1200$, I don't have that kind of money right now. That's why I'm thinking of taking out a bank loan to buy this course and start paying off the bank loan when I learn how to earn money after the course. Besides, at the moment I don't have any back-up money, so I'm taking this loan like all-in in poker, so to speak. But I'm generally afraid of loans and against them in most cases. I really believe in this course, because I've seen many cases of young guys like me starting to make money selling websites or marketing on their own (which this course teaches). 

Tell me, please, if I don't manage to earn money after studying, will I have serious problems, will collectors fuck me up and all that? Is it worth making such a decision in general?

[Ulax]

@SimpleGuy Hey dude.

Who would you be getting the loan from? What course is it?

[YIDIRYIDIR]

if i were you, i wouldn't. too much risk and unnecessary pressure. also, if that course is for beginners, i would stay away from it because that knowledge exists already online for free, especially for marketing websites, you just need a bit of digging and "figuring things out". buying that course will just speed things up, it's not a life saver. but if it's something advanced, it would be for people that already make money and want to scale, which won't make sense for you. 

[NewKidOnTheBlock]

Never, under any circumstance take a loan for a BS like that. The only loan you should ever consider taking is mortgage, that's basically it. And look, I know you're maybe not all there up there when it comes to decisions like these, if you catch my drift, and I get the feeling to make money as quickly as possible; but if you're going to waste money on shit like this, at least make sure it's YOUR money. NEVER take a loan for shit like this

[Frenk]

2 hours ago, SimpleGuy said:

Besides, at the moment I don't have any back-up money, so I'm taking this loan like all-in in poker,

Don’t do it.

[integral]

There is no substitute for teaching yourself. Tell us what profession your interested in.

[Davino]

@SimpleGuy It's a risky decision. Why is there a sense of urgency? Can't you generate 1200$ of savings by mid 2027?

If you feel like it's a calculated risk, then go ahead, read the details but will you be able to pay the monthly fees while you're doing the course if you don't have money? On the other hand having that pressure will really make you work and push yourself so that's some good motivation but you have to weight in the risks vs the opportunities. Make a business case with the help of AI and maybe post it back in here for more context and tailored advice.

At the end of the day, you'll be fully responsible for what you do, as you're legally an adult.