/biz/ - Business & Finance

NEET/Failed life recovery strategies:


I've fallen behind, and am looking at a bleak future, what else can I do to try to catch up (In terms of cost cutting)

28 about to finish MSc theoretical neuroscience, unemployed, no savings,

Already heres what I've done:

Decided on no gf/wife (saved 30k on wedding, 650k on house, 50k on nice car, 80k on holiday luxuries.
Decided on no children (-25k for vasectomy, +450k for 1.7 children)
Currently working on a plan to avoid paying the 50k student loans I have, 9% repayment of earnings above 16k
Currently living at home and paying no rent, bills, tax, works out to +7k per year
no Car or motor vehicle, no plans on buying one, +10k per year
no plans on paying for further education without a sponsor/scholarship.
I have strong medical/science education so I am my own psychologist and doctor, can use NHS also, pay once for dental 20 pounds per two years
No eating out, +2k per year
Minimal drinking out -1k per year
no gym, exercise for free outside and weights +600 per year
food diet cut down to chicken(fat/protein), basic seasoning, and sugar through coolaid type drink (savings of 5k per year)
Caffeine supplements replace all legal/illegal drugs and stimulant drinks, savings 2k+ per year
Current wardrobe will last 10-20 years, savings +4k


What else can I do, by my calculations this still puts me behind my peers who have started work at 18-25.