/biz/ - Business & Finance

>>12319068
it ends when you have the guts to leave or get yourself fired.

>>12319116
and leave to what? food stamps and living alone in abject poverty?

>>12319068
do you save for something? vacation? better car? humans need something to look forward to.

>>12319333
>implying /biz/ has anyone with any idea about a future

>>12319068
hey man everything gets better after time just wait and see what the future has to offer you

>>12319068

You forgot :

>making fun of Neets and calling them poor Losers

>>12319153
Leave to you starving and finally having inventive enough to try something that actually works for you.

Repeat for 10 or 15 years then call it quits.

http://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/

>>12319951
This. Get a second job and just stuff your brokerage account

>>12319951
wait.. can i really escape if i just save 50+% of my income.??

I'm intrigued.. tell me more

>>12319951
Anon this article claims if you stack away 50k you can retire....... not true no matter how you invest it.

>>12319068
>tfw spent 8 hours at work today and did virtually nothing
i fucking hate my job.

>>12319068
Live below your means and buy LINK
Wait til mainnet
Stake it, never sell
Retire by EOY2020
Faggot

>>12319068
>>slave for shekelberg
You know that Mr. Shekelberg doesn't masturbate, right?

>>12320101
Read more MMM articles, or just do https://www.bogleheads.org/wiki/Getting_Started

>>12320112
I...what? You need to reread the article. That's not what he's saying about $50k.

Get a dab pen and blaze it in the way home

It's pretty comfy

>>12320184
ok but if this is true why isn't everyone doing it?

what's the catch

>>12320145
Yeah, he's too busy fucking little boys.

>>12320191
The biggest catch? People are social animals. Social instincts kick in and people play short-term status games.

For example, they'll splurge on living alone (easier to hookup with thots), nicer cars (show off to the asshole at works), or going out to restaurants.

They'll also follow group social cues like not saving for retirement ("can't take it with you! my friend's uncle saved a ton but died the month he retired!") or spending every penny they've got ("you can swing that monthly payment, right? and you're not even close to the credit limit on your cards").

Otherwise, you grind out the 10-15 years, endure the pain of inevitable market crashes along the way, and enjoy a modest life. Completely free.

>>12320191
>why isn't everyone doing it?
Think about what the average normie does with money...that is your answer.

>>12320191
Dude, just grind a money ball. Like $100k and see how much power you have and how easy it is to use it to leverage yourself into more money. Literally nobody gets that far, they can’t resist blowing that wad on something stupid if they can ever build it up at all.

>>12319068
larp, we all know /biz/ is full of neets

i would unironically rather die than go back to wagecucking, i'm not exaggerating

>>12320442
How do you survive right now?

>>12320450
Off of mommy and daddy

>>12319068
Could be worse

>>12319068
Yoinwouldnt be so miserable if you didn’t jack off that much. Fuckin 2019 and your dumbass has never heard of no fap. Good luck being miserable the rest of your life bucko

>>12319068
You'd do well to remember that having a non-terrible paying job that allows you go own a car, have a hot shower, and a TV to fap with, while sleeping comfortably is a luxury many, many people cannot afford.

Stop being such a bitch and get a hobby.

>>12320536
only because the capitalists are gate keeping faggots. we have ai now, just unleash the gates already.

>>12320550
Cool, you got plenty of sympathetic Googlers. There's OpenAI. You can scrounge together some money and work to unleash those gates, nobody's going to stop you.

Go on, Commie. See how easy it is.

>>12319068
Do like me. Go back to school for a PHD, leave a very well paid career. Thus end up living with your parents at 35 and almost commit suicide. Realize how well you had it with your wagecuck job when you actually had time for yourself. Get married, have your parents fight with your wife over you. Enter living hell. There are far worse things that could happen to you.

>>12320550
Stop making excuses for your own sadness.

>>12320410
>use it to leverage yourself into more money

how would you do that with 100k?

>>12319068

But OP this is incomplete.

>weekend
>spend Saturday night playing vidya and watching tv all night
>sleep in Saturday, wake up groggy but do some cleaning
>watch more tv
>fap
>sleep late again
>clean and maybe call friends or relatives
>eat
>oh look it’s monday

>>12320307
thanks anon, i'm going to read more into this

i feel like you might've changed my outlook and plans for life, cliche as it sounds.

>thank you kind stranger

>>12320450
my online business

>>12320475
stay mad bitch

>>12319512

>vacation
>better car
>implying /biz/ has anyone with any idea about a future

imagine being a wage slave and spending money on a nicer car/ time on a vacation instead of high risk business activities with the potential to bring about freedom from shekelstein

youre both not going to make it

>>12320831

True anon you’re the only one to ever think you’ll make it and fail.

t. anon who still thinks he’ll make it when he’s lost tons of money already.

I've had plenty of jobs and I will unironically never work another job again. I would literally rather fucking die. I'm being 100% serious.

Fuck wagecucking.

You are a literal slave. You don't even have control over your own schedule, it's not a willful exchange, your boss DICTATES your life. Your entire existence is to merely facilitate your ability to go to work the next day. Then you have to listen to unappreciative faggots constantly try to underestimate and undervalue you as a person. It's a never ending game of bullshit and like I said, literal slavery.

I unironically will die before I work a 9-5 again. I might settle for part time 2 days a week but the boss better be tolerable and not some overbearing cunt.

>>12319068
Who here that failed/struggling artist dream

>>12319116
have some gratitude for your life. or else end it. I never understood people who do this. you really only have three options. stay with it, try to change it, or remove yourself from it. pick one, and stop complaining about everything.

>>12321015

Pretty much. Hoping I can make it off of Link in the next few years.

>>12319068
Trust me, it's better than spending 12 hours in front of a computer browsing a forum full of retards chasing get rich quick schemes while fapping every time an ass pic is posted.

>>12321015
Hi

>>12319068
why not just get a job that you like and get paid well so you can go part time. everybody with a brain does that here

>>12320644
>marriage meme and PhD meme victim
Ouch.

>>12322183
D-delete t-this.

>>12319951
>save 100% of my 1400€/month and i can retire in 0 years
Great article there fuckface

me on the top

>>12320831

Ah, I remember when I took the FIRE pill here from /biz/ 3 years ago during this time of year...

Too bad that, as an yuropoor, I see it in each passing year as a more and more utopian deal. The train for really getting into a FIRE state departed around 5 years or so, before the mindboggling real estate prices all over the fucking world.

Time to wagecuck.

>>12319068
>wagecuck office job only 8 hours
>no energy to do anything else

Find something productive to do anon. You have no energy cause you have no desire or motivation. Do you lift? I'd start there.

>>12320831
we can all make it just don't fall for those normie traps. you get to make it by saving one bullshit expense at a time. but muh vidya muh alchohol etc. bruh save up that shit aint goin nowhere. when you retire at 35 guess what you'll have all the time and resources to spend on.

>>12320855
>thinking he will make it through "high risk business activities"
>not knowing about survivorship bias

>>12319068
Wojak has a bed, a shower, a fucking bathrobe, a hot meal, coffee, a car, a job, a couch, a TV and he's still miserable? First world problems, I guess.

>>12319068
Reminder (((they))) didn't want slavery anymore.
>Too expensive to house, feed, provide medical care and look after the young and elderly
Let's just give them a few sheckles - just enough for them to be dependent on us and coming back every day.

>>12323360
Whoops, meant the next page.
>As much as we like to pretend that wage labor is somehow slavery's opposite, it is merely an ingenious mutation. Marx, that pickle-faced commie bastard, didn't seem to think that wage labor represented much of an improvement over bound slavery. And Marx's ideological nemeses over at the Bank of England agreed that wage labor enriched the already wealthy. In an 1862 letter sent to his American investor chums, a Bank of England representative named Mr. Hazard hungrily rubbed his roach antennae at the prospect of an emancipated South.
Slavery is likely to be abolished by the war power, and the chattel slavery abolished. This I and my European banker friends are in favor of, for slavery is but the owning of labor, and carries with it the care of the laborers, while the European plan, led by England, is that capital shall control labor by controlling wages...

>>12320912
So, What R U Doing Now??

>>12319068
When wagie gets too old for his cagie.

>>12323360
>>12323406
So how do we go about changing that? I unironically want to know, what is the alternative that doesnt immediately fuck the whole world up? Or do we have to burn everything down to the ground and start anew? If so, what about all our current slave masters, who will inevitably hide inside deep undeground bukers if/when shit will hit the fan, only to reemerge later to fuck us up yet again?

Oh how I would want for crypto to fuck up all the (((bankers))) forever. I would just buy some land with my gains, build a comfy house and just fuck off.

>>12320190
This desu senpai

>>12320536
>The absolute state of western civilization

>>12323714
I'm still thinking that through.
I reckon the first step is to acknowledge the bullshit system we're in - especially when you look at the taxes that only compel the problem.
Prolly next is to get out of the rat race (not NEET it up) via a sustaining passive income or cash based under the table business. A whole lot easier said than done ...

>>12323177

if you can save 100% of your salary it means you have no expenses

>>12320191

roasties will derail it

>>12323824
Yes, the first step is pretty clear, but
>next is to get out of the rat race (not NEET it up) via a sustaining passive income or cash based under the table business. A whole lot easier said than done ...
Yes, but for everyone? Is this even possible without massive war/uprising, it would require to dissassemble the whole banking system, and with that comes the problem of the powers that be going into hiding.

>>12323921
The more I think about those things, the more blackpilled Im getting. I cant seem to come up with a good solution to our global problems without going full new age "global awakening" type nonsense.

>>12323921
It's hard enough to break away from this system - neither you or me will single handedly bring it to a halt for all of humanity.
I just had a kid and have been doing some thinking about generations and family. Where has the labor of my father and his father gone? What if we were to have had a family farm which got passed down? Their cumulative 70 years of labor was just enough for them to exist.
Instead, they put all their extra cash into a (((401K))) which was nickle and dimed for decades while they got dicked around.

>>12323959
The solution won't arrive tomorrow, and the answer isn't bitcoin.
It's getting out of the system that we both now know is bullshit
>Go to college! Get an internship! Pull yourself up by your bootstraps at the big company!
Bullshit! The problem is it's a scam we aren't going to win. The answer is to not play the rigged game. Trust me, I know from experience. I've worked at a F500 for the past 6 years.
I've also had a few small businesses. You get fucking in the ass from every angle on that too.
Passive, off the books, hard work, and invest in your family - not some stock market casino.
The details? I haven't gotten there - but I'll think about it as I head out and be a good slave once again and sit in rush hour.

>>12319153
Homestead. Gov will literally give you free land to farm.

>>12320191
Most people aren't genetic deadends and start families unllike the incels who live on this board so

>>12324069
So instead of working 8 hours a day to a company, you can work 12 hours a day to the government.
Brilliant.

As depressing as it sounds, there are worse things than wagecucking.

I had a "career" job, or at least a job that in prior generations would be considered a career, with huge upward trajectory. I earned well over $100,000 in my job as a 26 year old, but like OP and everyone else on this board I hated every second of it.

I got massively into the crypto hype bubble of 2017, and invested a ton of money in some extremely highly touted coins here (not LINK). I even got so into one particular coin that I wound up getting hired as a part time contractor for the team. My life was crypto. ALL my thoughts were about crypto. I was convinced that by, well, now, 2019, I would be retired as one of the top 1000 holders of this coin.

My interests quickly diverted from my career job and the business took notice. Nothing ever "happened" exactly that I could pin down but eventually I was fired. Barely an explanation. I wasn't doing my part basically.

But who cares? I was invested in the next Google. Fuck, I was even working for them now. Sure the position paid about 2% of what I made before, but it was enough money to hold me over for the 6 months until lamboland!

Then the crypto crash happened. And I saw first hand the internal chat of this crypto "company." And I had the crushing realization of the mistake that I had made. These people were not the next Google. It was a bunch of fucking stuttering pot heads.

I went back to the job market for my career position. And nothing. For months. My unemployment was running dry, my contract was finishing up, and my resume gap was growing.

After 9 fucking months of living with my parents, 300 apps and 299 rejections, about 20 half truths in each of my 25 interviews, I'm getting an offer letter today to rejoin my career industry with an even bigger offer than i originally left.

This time I am sure as fuck not going to take my wagecucking for granted. I will show Shekelberg my smile.

And I'm never taking /biz/'s advice again.

>>12324758
>goes all in on a gamble
>loses and blames someone else

>>12324758
>goes all in on a gamble
>loses and blames someone else
>goes back to retard shill for slavery

>>12324821
>>12324830
>ridicules an anon who took responsibility for his actions and corrected a massive mistake in his life
>muh "blame" posting
This is a great example of what fucking cancer this board is.

I don't know if you're just underage and not at the point of your life where you actually have to pay to live, but your complaint about slavery doesn't fucking matter unless you have a viable alternative.

And people with any drive whatsoever cannot be satisfied with a life of anime and masturbation.

2018 was the worst year of my life and yes, I BLAME it on MY CHOICE of listening to fucking morons like the two of you.

And I'm taking account of my actions by never letting disgusting, retarded, negative, low lives like you affect me ever again.

FUCK YOU NEET FAGGOTS

>>12319068
The trick is to incorporate your faps into your showers so u can actually save a bit of time to browse the internet

>content with barely existing
>above material wants desires
>have everything I need at the public library and my hotel room

>>12324878
Its boomers fault

>>12320115
this is me, and yes it sucks really bad. i even make decent money, not great, but not terrible, but it leaves much more to be desired.

>>12324878
ragie wagie lmfao

enjoy work next Monday while i lift for 3 hours, play video games and sleep

t. retired at 24, 7-10x'd my NEETbux 4 times through DGB, ZRX, NEO, TRX

>>12325180

roleplay

>>12325103
how can you complain about doing nothing.
My job has me bust my ass for hours and doesn't pay enough for the bullshit.

>>12325186
there's no way to prove it but last summer was a retard's market, even this college dropout made it

>>12325196
The grass is always greener.
If you have nothing to do at your job, you'd wish for something to do.
If you were busy every single second, you'd wish for some breaks.

>>12325320

True indeed... That's why I personally think 20 hours a week of work is an adequate amount of time. Why the fuck can't we at least have this in current year?

>>12325334
Why would companies want their employees to work less than the standard amount that's been standard for years?

>>12325339

Because the standard amount (40h) shouldn't be standard across all types of work. If you're doing kinda mindless stuff, 40 hours are kinda bearable but if you're REALLY working 40h on demanding mental stuff it really wears you out at the end of the day and you aren't able to do other things. What happens in practice is that even for these more mentally demanding jobs 30 hours of real work or less is actually the standard (meetings, emailing and shit isn't really work with respect to mentally taxing activities).

memes to avoid

a job
a college degree
marriage
owning a home (unless fabulously wealthy then it's fine to split portfolio)

>>12324878
look at this wagie having a meltdown because he failed to make it

if we all made it, it wouldn't be called "making it fren". some of us have to the be the losers. thanks for your sacrifice. i genuinely wish you luck trying again in the future.

>>12324878
LMFAOOOO

>>12325575
What will I achieve by avoiding this.
My dream is a wife and 3 kids.

>>12325672
>>12326152
Enjoy your coffin apartment and neetbux

>>12326440
You can then have them without being married. a big house and a job you will need for that tho, and probably gonna work your ass off rarely spending time with your kids. Also if you were to lose your job say goodbye to your wife and kids.

>>12323824
>cash based under the table business. A whole lot easier said than done ...
I've been in these businesses. It can be lucrative but it's a fucking nightmare. You basically go in knowing you could be in jail and out of work any day. Makes a guy stressed and paranoid. Not a good combination.

>>12325180
LARP

>>12319068
When you die or grow enough brain cells to start your own business. That will never happen though because it's too hard for you to break the routine so you just spend your free time whining about your life on /biz/.

wage

>>12326506
>if I don’t buy a ridiculously overpriced house and slave away for Jews I’m a failure!

This thread makes me so happy I started a business.

>>12327034
>I started a business.
And what would that be? And how did you manage to start it and not let it die?

>>12327106
Solo Attorney. Quit law firm, devoted myself fulltime to it, advertised and networked. Got lucky landing good cases quickly.

>>12320912
>I will unironically never work another job again
>I might settle for part time

>>12319068
When the glorious workers' revolution comes.

You can make this happen sooner by joining a union (this will also help you to wagecuck with better conditions) and/or a serious Communist Party.

>>12326973
wage

>>12319068
>no energy to do anything else
>fap
And theres your problem. Hope you know your body uses a ton of energy and resources to make sperm, which actually takes months to fully mature. Quit for a week, even 3 days, and you'll notice a difference.

>>12324878
Stop coming to biz. If you still haven’t learned the most valuable lesson here yet, you’re never going to.

>Don’t listen to /biz/
You should absolutely listen to biz, you just shouldn’t do what others tell you to do. Biz is only info, sometimes good mostly bad. DYOR is not a fucking meme, make your own decisions.

t/career individual who loves his job

>>12319068
I am so despodent about everything..
Everything i try goes completely wrong.
there is no escape from this hole here, i feel drained.
So far, i still haven't found a real purpose in life.
Sometimes.. I'm afraid to get out of bed in the morning when there is nothing to get up for...

>>12328480
Hold on there anon, keep searching, we are all in this hell together. I also havent found a purpose in life yet, and this is the worst. But we will make it goddamn.

>>12319068
everybody sucks at trading. save as much as humanly possible and learn about price distribution phenomena and fucking trade your way to freedom. t. fast food wagecuck

>>12324878

Behold the mental illness that is the Type A personality.

Protip bro, there is no closure. You think "success" is going to save you, it won't. If you had hit the bingo with Bitcoin you'd be at a total loss for what to do with yourself. Some people are just born to serve and be dominated.

Hope you didn't sell everything btw, we're going to 100k, lol

>>12324758
whats your job anon?

>>12328480
>I'm afraid to get out of bed in the morning when there is nothing to get up for...
i know that feel all too well.

>>12320831
Also look at the earlyretirementextreme website, much more helpful and redpilled than the MMM blog imo.
Be extremely make money, be extremely frugal and invest. Freedom is possible.

Also remember the original minimalist and freedom lover (that inspired many of the modern FIRE thinkers), Henry David Thoreau.

>>12323277
I'm from Italy and i feel you. In europe you can't retire if you want the conventional big house near the city.
We have to accept either to live with parents/other people (and give our part for the housing costs), or an extremely small apartment in the suburbs, or a small house in the distant countryside, or a mobile home.

As far as housing goes, that's the only way to retire early if you have an average salary.

>>12323155
Where do you live?

>>12328867

I'm from Portugal pastabro. What you say about housing makes sense from what I can see when ti comes to real estate prices here in Portugal (way fucking overpriced compared to portuguese wages).

>>12319068
SOCIALISM NOW.

EAT THE RICH. THERE'S MORE THAN ENOUGH RESOURCES FOR EVERYONE.

THEY ARE TRAINING YOU TO SUBMIT AND ACCEPT IT. DON'T. FUCKING. ACCEPT IT.

wage

>>12325196
i have to fill out timesheets. doing nothing is a double edged sword because i still have to charge my time to something and make myself billable. it also sucks dick to be somewhere where you don't want to be for 8 hours with nothing to do. time passes by a lot slower.

the job sucks dick in general, but if not for the timesheets i wouldn't give a fuck.