/biz/ - Business & Finance

>>11697484

>study hard at cheap state school in good major
>get high paying internships to pay for school without taking out loans
>make 6 figures by the time you’re 25
>live frugally with roommates or parents investing as much as possible, learn to be happy with the simple things in life
>don’t fall for the roastie meme or having kids meme
>have a few mil by your early 40’s
>retire
>do whatever the fuck you want, you’re free for the next 50 years

Nice thread, solved in 1.

Damn OP you are a piece of shit. Why are you projecting so hard. Just go make a good income its not that fucking hard.

>>11697484
except you are unironically an NPC for believing only one time line that boomers recommend. Then you get sad thinking you don't have any options. Pathetic.

>>11697484
That neighborhood looks comfy. Also, the American dream is still real. Ask favelanon for his opinion about it.

Look, we are in this wierd ass matrix. Start figuring out what you want to do. If you just want to retire early and live hedonistic lifestyle then study hard cheaply so you can get a good wageslave position(maybe you even like the position) and invest as much as you can. However try imagining your life if you already made it. What would you do then? Try eating the best food every day. It'll start to taste normal. My point is that hedonistic lifestyle is shallow so at the end you might regret wageslaving hard only to retire early with no direction in your life.

But what the fuck do I know I'm only 18 lol.

>>11697531
>>11697544
dub confirms, FPBP /thread

My suburb wasn't so bad, but then again it was nestled in the beautiful PNW. Maybe suburbs in flat Iowa corn country is where the actual hell is.

>>11697616
>That neighborhood looks comfy.
Yes, glad to see a few neighbors have discovered the absolute joy of the dollar store $199 pool.

>>11697484
We live in a world where if you're smart you can make money literally from anywhere. You're not longer restricted in scale or scope, you don't have to beg big corporations to show your videos, or music, or drawings, or anything. All you need is a computer and the will to create. It doesn't need to be artistic either you can create websites, applications, systems that help other systems that improve lives.

I pity anyone who doesn't learn how to code in this day and age. Not learning how to code is like not learning how to write. Literally everything we do in this world is touched by code and to ignore that is to basically ignore millions of opportunities for no reason other then that you're lazy and unmotivated.

>>11697619
>Regret retiring early

Literal boomer logic "I don't know what I'd do with myself if I wasn't working"

If you don't know what you would do if you're not working you're a boring person that fits right into the NPC life.

>>11697531
Good goy

>>11697484
>Is there any escape?

A bullet in the head

Based

>>11697531
>don't have kids
ok failure

>>11698715
t. mexican

>>11697850
I'm talking about focusing your whole life on just "making it" and not thinking BEYOND making it. Like go work at trades 10 years, invest everything etc etc and then "make it"(which in NPC terms is endless vacation aka hedonistic lifestyle). While another possibility is to start working in a field that you like and possibly start your own business at some point at maybe make it later, but that's not so important anymore since you like what you do. Lying on a beach is great, but imo a good interesting project to work on is better.

>>11698794
whiter than you

>>11697713
What is the best language to learn first and what's the best way to learn for free. I fucked up and now I'm 26...

>>11697531
>not having several kids with different women who cant bring themselves to chase after you with child support
Never gonna make it

>>11698985
Go on Udemy for courses since they are a lot better than your average YouTube videos. Then if you've found a good course go to https://www.freetutorials.eu/ and download it for free if you don't want to pay.

The Web Developer Bootcamp is a good one which I went through. It has like 5-10 min videos so it's easy to stay focused. Then I recommend learning Flutter for mobile programming.

>>11697531
not having kids is a huge mistake and one that 99% of people who advocate it will come to regret by the time they're ~60

i guess if you're some doomer who expects to die by like 70 then its not too bad but if you want to live to like 85-90+ and you have no kids you're going to be one miserable son of a bitch i can guarantee you that.

>>11697531
This

the initial steps OP described are valuable, not necessarily college, but once you finish high school you need to specialize, get skills, and become a learned, multi-faceted individual, and the likelihood of you doing that entirely on your own is next to nil

the remainder of that post is typical hedonic mill bullshit
it's no great secret that women and children are a one way ticket to a suburban hell where the cycle of mediocrity and consumerism only end on your deathbed, and no one ever seems to dispute that

>>11699042
you don't even know anyone that old that actively chose to not have children because anyone that old came from a time when being childless was exceedingly rare and you were shamed for not having them
they were only childless because the were unable to have any for whatever reason, not because they didn't want any

>>11697484
>have 2.5 children

>>11697619
>What would you do then?
Video games.

>>11699155
You don't want to be that old and living in a nursing home by yourself.

>>11699042
>if you want to live to like 85-90+ and you have no kids you're going to be one miserable son of a bitch i can guarantee you that.
Nah I'll be in VR paradise.

>>11699210
Then don't live in a nursing home

Riddle me this, how many disgusting meatsacks at that nursing home do you think were highly skilled, highly educated, well-traveled, financially independent, and maintained good health and diet throughout their lives?

>>11699240
Nursing homes cost a lot of money so because they're not on the street I'd say a lot of them had money.

>>11699256
nursing homes for all those people are paid for by their social security income and medicare for additional treatment
some of them may have a pension which lets them live in a slightly nicer place
and the cherry on top is that all those sad old people followed the life script outlined by OP to a T, they had children and it didn't make a difference where they ended up

>>11697531
Nice genetic death you got there

>>11697531
Thanks just didn't have 100k kids.
I'm taking OP's blue pill then.

>>11699217
Based

>>11699240

Different guy here, but my family has always owned nursing homes: it's the family business.

Nursing homes are actually quite expensive if they provide any level of care above basic government funded medicare (which will still take nearly all of anyone's social security).

The majority of patients stay in nursing homes because they just cannot receive the care they need at home: because they are either too sick to do it themselves or require 24/7 care. You also get the shitty gen-x and boomer kids who stuff WW2 / Korea veterans away in the nursing home because they just want their inheritance early, but that's usually not the case.

My dad is 71 and forced to use a wheelchair now. If my mother was not still alive he would have to live in a nursing home because I would not be able to be around 24/7 to make sure he doesn't kill himself trying to do something silly. Do you honestly believe that, in that situation, my dad is a witless meatsack because he happened to get absolutely obliterated by a freak accident that makes it impossible for him to walk / properly take care of himself?

It's quite pathetic that you view your elders as "pathetic meat-sacks" and it only goes to show how completely detached you are from the world. The average family (or even average wealthy family) cannot afford 24/7 live-in care. You legitimately sound like the edge-lord kids who view nursing homes as a nothing more than a vehicle to seperate daddy from his money in the good ole "send to nursing home, declare as mentally incompetent" one two punch that leads to acquiring their parents assets early.

The problem is when people use nursing homes as ways to get daddy's money faster: which in our debased society happens quite frequently.

>>11697484
is our universe intrinsically predatory (well yes it is but it needs not be like that forever) and debt based in nature
or
IS THIS FUCKING SCAM HUMAN MADE PILE OF GARBAGE
stay tuned for the revelation
in the next iteration of our universe
thank you and god bless

>>11699137
I'm copying that last paragraph of yours into notepad so I can paste it whenever there's that shitty "are women a good investment" shitpost thread.

>>11699392
>Nursing homes are actually quite expensive
yeah the slightly better ones, not most of them, by virtue of most Americans not having any savings beyond social security

>My dad is 71 and forced to use a wheelchair now. If my mother was not still alive he would have to live in a nursing home because I would not be able to be around 24/7 to make sure he doesn't kill himself trying to do something silly.
Great, you've convinced yourself of some imaginary dichotomy that doesn't really exist to make no one but yourself feel better: "reasonable people who just simply honestly frankly sincerely lovingly don't have the time" and "dirty kikes looking for inheritance"

the good thing is that it ultimately makes zero difference to the person stuck in that awful place, that constantly smells like shit, surrounded by African immigrants

>You legitimately sound like
blah blah blah
the point was a response to the people here talking about ending up old and childless and how much regret you'd have
don't act like the walking corpses in there aren't fucking miserable, I never called them pathetic, just sad and broken
case in point, you yourself said you'd put your parent into the place, so it made no difference if he had children or not

>>11697484

So tired of seeing these whiny threads.

It's a game. If you play the gane correctly you'll be retired by 40, have plenty of money, a nice home, wife and kids.

Most people don't play the game correctly because they get too caught up in enjoying youth and don't make the best financial decisions.

If you pick a trade and do nothing but save the money and invest it, you could probably buy a home almost entirely in cash by age 30.

There's a lot of options out there that get a man wealthy by 40.

>>11697619
>what would you do then
I'd be free to write and draw and pursue endeavors that are not afforded to me as a wageslave. Every day I go to work is another day I put off making something worthwhile out of my life in exchange for mediocrity and debt. This is not how life in a technologically advanced society should be.
You and we are all being cucked from using our lives the way we want

>>11697619
>But what the fuck do I know I'm only 18 lol.
Sounds right.

cringe

>>11700000

>>11697484
I bet not a single nigger lives there. Looks comfy

>>11699392
>71 years old
>in a wheelchair
>somehow requires 24/7 care
There's something you aren't telling us.

>>11698817
if you're an american then i highly doubt that

>>11700402
Don't get too cocky, Achmed. I'd bet the average European has as much African ancestry as the average white American which last I checked stands at the <1% mark.

Based and redpilled

>>11697484
What's the problem here? Having kids, as long as they don't end up like worthless sacks of shit like yourself, is a great moment in life.
Your level of argument is appalling. Allow me to explain:
>walk outside
>breathe
Why do I have to inhale the oxygen jew biz? Why can't life be easier and more fulfilling for me?

>>11700727
t. Shekelstein

>>11700727
>walk outside
>breathe
>your oxygen tax increases
you don't get to just "breathe oxygen" in 2018

Too fucking bad. Bad news for people on /biz/ literally everyone thinks they can make six figures a year doing entrepreneurial fluffy pumpy bullshit. You never stop seeing it, on youtube ads, reddit, normies etc. You're not going to make it. In the slightest, most mediocre chance that you can make something that people want, you certainly wont be getting rich off it. This is the millenial obsession: "Ooh, im too much of a special snowflake to get an actual job!" Dont fall down this rabbit hole. Before you know it you'll be 40 and you'll have nothing from fucking around for 20 years in your suagry-gumpop mind fantasies. Get a job, learn a skill, save money, dont live like a retard, make a few intelligent investments here and there and you'll be just fine.

>>11698815

>this project feels more pleasurable than this pleasurable thing

literally child tier logic, if you take out the hedonistic lifestyle and you don't take out the ethical lifestyle you are a literal brainlet, if you don't enjoy the hedonistic lifestyle you always end up in the faith lifestyle in some temple in the himalayas, everything else is just cope

>>11699042

elder gets abandoned even if they have child, if you have a child that takes care of you in-house with a happy life then you literally jackpotted in your life because most end in a nursery house abandoned

it's less costly to pay in-house care of the elderly, but the extra stress and the psychological instinct towards the things that are dying (it's a normie NPC feeling of distress against the people that are dying, same way normies NPC accept babies everywhere because they bring more life and more experiences) make elderly end in nursery homes

it's a big stress to see your own dad in dementia in your own home so boomers tend to just avoid the problem altogether and cope through their work and some weekends calls

cuck

get a hobby you hopeless turd

>>11701649
baded

Wait, wait... where's the bit about getting divorced, losing the house and having to live in a box by an underpass and giving out blowjobs for child support money?

I really want out of this matrix. It's getting bad to the point that NPCs are starting to question it.

This is why it's so important to take care of yourself else you'll end up in a nursing care center rotting away. Barring freak accidents it's a no brainer to not use drugs and eat only healthy locally grown food.

>>11700879

>>11701941
The normies think that's a myth until it happens to them. They think they found the one woman who won't do that. I know some guy who went around giving people relationship advice and condescendingly talking to people who think that women are golddiggers. Now he is divorced and homeless. All his money has to go to his ex-wife and he still has to pay for the mortgage for the house he doesn't live in and child support for kids he can't see, all of this on top of alimony every month,

>>11697531
>investing as much as possible
vague as fuck anon

>>11702045
wow what a beta. he should have manned up and found a good woman like me

t. married over a year to a good christian woman with no tattoos and no divorce in sight B^)

>>11702087
>married over a year
Get back to us when you hit 8 or 9

>>11702190
This

>>11697484
You missed out the 33% chance of divorce and getting fucked for 50% of everything you own + tip (child support)

Only 33%? I thought it was past 50%.

>>11702739
The divorce rate is somewhere around 55% and of the majority that divorce, 80% of the divorces are initiated by the woman.

>>11702778
Why wouldn't they be? A marriage and/or life insurance is a literal cash prize for dumping his ass.

>>11697484
there are brilliant people that shoot out of the process all the time. what makes YOU different anon?

cringe bluepilledp

>>11702058
Investing for retirement is simple. No further explanation was needed.

>>11697531
Underrated post.

>>11697531
Make kids through surrogacy after you retire. This is de wey.

>>11700879
Thankfully it is possible to save a lot of money even if income is low if your expenses are even lower. The stock market and dividends do the rest.
We all gonna make it!

>>11697531
I'll post this once since it's at the end and not many will see it. But there is a place like anon mentioned. Northrop Grumman, interns get 26 an hour on average in socal.

>>11697484
get bitches fuck money

>>11697484
American Dream (well mine, anyway)
Serve 20 years in the Navy as a Master at Arm's (police)
Retire from active duty (continue in reserves) at 37
Join hometown police, no academy, no patrol, right to detective
Get retirement credit for military time, retire from police force after 5 years (all pay went to pension) with credit for 30 years, get full pension
Wait 60 days, rehired to old job as detective, full pay, extra money to pension
Work Chiefs overtime (3x regular pay) at Indian Casino in my town, providing security, Indians will hire me to Casino Security when I retire again
To get good cops, city provided a nothing down, zero interest loan for a house, perk is good every five years, first house is now a rental property
Get no interest, factory price on 3 cars from Ford Dealer, we provide extra patrols
Never paid for a restaurant meal in the last 6 years
Vacations are "donated" by local business
Getting ready to marry a woman I met online from Poland
She is here on a student VISA, graduate school for Phycology, she is 23
Living the American Dream

The only parts I don't like;
5'4"
185
Glasses
Balding
Dentures
I drink 4 beers before dinner
Smoke 3 packs a day
Never vote

>>11699210
if you're wealthy you can afford good at home health aides

>>11697619
- Gardening
- Astronomy
- Charity and Social Work
- Teaching meditation and stress management to burned out Gen Y
- Spirituality
- Environmental activism
- Nano-biophotonics and investment to lab-on-chip companies.

Are these enough, boomer faggot ?

>>11697713
Coding for last 12 years (C++/Embedded/GoLang/Python) and worked across the tech spectrum. Take this from a veteran, coding is overrated, in fact soft-tech is over-rated and saturated.

However, if you are PhD in molecular-bio/chemistry/physics working on niche like latest battery tech or biotech, you may have probabilities to break-free. Coding and Data Science (look at Alteryx) is being automated at a rapid rate. Automation hits STEM-drones the highest.

>>11697713
Age may be a hindrance, but investing some of crypto gains to be a GP with solid nutritional knowledge (Methylation) would be a nice way to play to the least-automation-prone medical sector. Besides people are hungry for quality medical advice beyond vanilla GP (as a proof, look at the schedule of this Australian clinic - https://mthfrsupportbookings.as.me/schedule.php.. Booked for next 1 year and look at average consultation fees). I've already planning to switch to this kind of "Qualitative" areas as opposed to Quantitative-STEM slave-jobs. Also, think about running such a clinic business yourself.

>>11704056
>Automation hits STEM-drones the highest.
Nah. Automation hits retail and entry level white collar paper pusher the hardest. As STEM graduate I get a dozen job offers every week.

>>11697484
https://www.youtube.com/watch?v=8buJ2-oD02E

>>11704261
Except those niches mentioned earlier, STEM leads to dead-end career unless you pick up a valuable MBA. You will realise this later in your career.

>>11697713
>you dont have to beg youtube to show your videos on youtube

>>11697484
I'd like to see a time lapse of this suburb for the hours 9 and 5 just to watch the wageslave routine.

>>11699137

>it's no great secret that women and children are a one way ticket to a suburban hell where the cycle of mediocrity and consumerism only end on your deathbed, and no one ever seems to dispute that

Based

>>11697972
This but Unironically

>>11697484
>Get into debt
Wow losers actually do this? I get free college due to scholarships and I even get net income. Both me parents are vets and we bought a nice car for cheap (literally driven like 100 miles and sold back, assumed a high af purchaser). The car's all mine now and almost paid off, my phone gets buzzes from grad students and profs begging me to research with them (after I begged them), and I net profit over 5K untaxable per academic year.
Soon, I'll have a summer job so I'll get even more money.

>>11697484
Stupid ass whining retard you are currently living literally the best and easiest time to be alive in human history.

>You have access to more information than all the world's libraries and books combined at your fingertips instead of manually opening books, thanks google

>Instead of going hunting for your meal for your family and killing a potentially deadly or disease ridden animal just to survive you have access to buildings with packaged readily available varieties of food

>Instead of living in a cave or a shack you get to live in an airconditioned, abode with electricity, amenities, and lots of storage space

>You make more money in a month than all your ancestors from 10,000 B.C.-1800 made in commodities or currencies

>You live in a safe area instead of constantly being attacked by rival villagers that will kill you and chop off your head as a trophy

>You work in an easy cubicle job woth paperwork instead of working 20 hrs everyday just for a few coins to get a loaf of bread

Stop being such a pathetic ungrateful crybaby and snap into reality. We can never be in a utopia just be aware that you're living in the best time to be alive in human history so far

Those houses are pretty comfy tbqh probably each ~350k a pop

>>11705284
Hedonistic adaptation is a curse against happiness.

>>11704056

Well, shit. What exit plans do you think a software developer could follow (except early retirement) that would not require to go through another degree in order to pivot?

Also, could you provide another example of tools/services automating software development?

>>11699210
Because you think your post-millenial children will want to live with they 80 year old dad???

GET REAL, they'll dump you.

>>11697531
on track for this but I doubt I'll live that long, success is hard on your body

>>11699341
Are you seriously vain enough to think your genetics are valuable enough to pass on?

>>11699137
>it's no great secret that women and children are a one way ticket to a suburban hell where the cycle of mediocrity and consumerism only end on your deathbed, and no one ever seems to dispute that
damn, son

>>11706178
Honestly I'll help my parents when they become too old to live by themselves.

>>11706178
This, you'll get nursing home'd either way.

>>11697531
>get high paying internships to pay for school without taking out loans
This mofo been in a coma since 1964, apparently.

>>11704580
>be 20
>make high five figures/low six figures for maybe a decade
>live like a poor 20 year old like everyone else your age because at that age it's still common and acceptable
>shun taking on major responsibilities, don't chase raises like a bitch, don't give a fuck and live free of stress
>be granted the ability to now stop working and do whatever you want, flip burgers if that's what gets you going

>be 20
>make fuck all, paycheck to paycheck, kiss ass, play office politics, climb the corporate ladder, end up making a huge salary that you can show off when you're 50

who has more money, burger flipper or dipshit boomer who lived in fear of "dead-end careers"

Based

>>11706253
Redpilled

>>11697672
>>11706222
Smashed by the trips of truth
Dont worry, I have high hopes too
Keep on truckin´

>>11697531
>get high paying internships

>>11699042
lol 3D
Just Monika.

>>11706222
>>11706692
>>11706654

You missed the “pick a good major” part. You can EASILY make $30 an hour as a CS intern. Top companies will pay $50+ with paid for housing. One summer at those wages will cover 2 semesters of tuition and room and board, assuming you don’t go to some ridiculously overpriced liberal arts private school.

>>11699341
not him but mine were already doomed from the start, if I ever have kids it's 50/50 that it will turn out with some alcohol or drug problem. Besides i've got some nieces/nephews anyway, so it's not dead

>>11706208
Better a statistically above average IQ, tech-literate, and likely somewhat redpilled 4channer has kids than another NPC or avg 80 IQ creatura.

We need more smart people in the world but most of the smart people fell for the overpopulation meme or the nihilism meme. It's pathetic. Meanwhile Stacy, Maria, and Matumbo are shitting out kids left and right that don't even have the mental capacity to contribute ANYTHING of value towards the technological progress that humanity will need to survive into the future.

An Aristotle, Newton, Liebniz, Tesla, or Einstein takes millions of genetic dice rolls from mating pairs with above average IQ DNA (pushing the curve farther to the right to maximize probability). But we're not even making these dice rolls anymore thanks to thinking like yours.

>>11704021
my n-word(nigga)

based redpilled

>>11707576
ty

>>11699041
>https://www.freetutorials.eu/
AHHH, THANK YOU SO MUCH. I've wanted to take their operating system class so bad.

>>11707893
nvm, they didn't have it.

>>11697484

I am fine with all of this, accept for the getting in debt and having no retirement money part.

>>11706208

No I am not. My genetics should only pass on when a super cute girl I like likes me and wants to be my wife.