/biz/ - Business & Finance

>>12559675

Congratulations fren.

>>12559675
Congratulations anon. What was your path to making it, and what's next for you?

joke's on OP I never entered the rat race because I am a good boy

>>12559706
thanks sexy, you aint so bad like the rest of them!!

>>12559675
Absolutely based and neetpilled

>>12559675
Spill the beans, op, what is the shitcoin that made you?

>>12559718
I worked hardware sales for 7 years which built up enough lucky cash to pay for food and other vital expenses, and then i inherited a very small cottage house to live in

hints: don't buy a house at these prices, don't buy dividend stocks until the crash happens, and for health insurance theres literally nothing they can do to make your life better if you can't fix it through diet and exercise (even appendicitis)

>>12559776
What is your net worth?

>>12559798
not including the house (since that's cheating), $131,000. I often slept in my car to save money on rent and crashed on couches when it was -10F in boston, fucking horrible city it is

It is just barely enough to make sure all my bases are covered. Luckily my last whore of a girlfriend broke up with me before I did anything dumb like getting her pregnant or putting a ring on it

>>12559776
health insurance doesn't stop you from being overweight but it can help you with a broken leg or some sort of disease

imo you are mixing stuff that doesn't really belong together

>>12559842
> 131k
> "making it"
Lol

>>12559842
...how is it possible to escape the rat race with just 131 grand? Even living frugally I don't see how it's possible.

>>12559844
Health insurance can protect you from shit that is 100% out of your control, like a random testicular torsion or blunt trauma from slipping on the ice.

But the costs from those surgeries/medicines are "UNLUCKY" costs, whereas diabetes is 100% fucking preventable. If you follow a proper diet, you won't get diabetes, therefore you won't need health insurance and 99% of the time you will survive life without getting a bill for 100k testicle surgery because of biology choosing you as the unlucky winner of a deadly and random condition

>>12559861
>>12559863

Are you faggots unable to read? I have a free house. I get several thousand in dividends every year to pay for my food and incidental expenses.

You have to be delusional if you think you need 2.7m to retire

>>12559894
What about property tax, also just how big of a dividend do you get with just 130 grand invested?

>>12559916
Property tax is about $6,000 per year, currently paid by tenant who is a nurse making $4,000 a month so it's a pretty decent deal for her

I run my dividends pretty conservatively so I'm only pulling in $4,000 a year completely tax free off dividends. Don't have a car or any fancy shit so on $4,000 I eat pretty well.

I mean maybe at some point in the future if something changes then I will consider working as a 1099 consultant, but as it stands right now I am cash flow positive and have all of my immediate needs solidified

there is absolutely no need for me to buy a ferrari or start lavishing hoes

>>12559894
You’re retired at the bare minimum and any little market “correction” will destroy your neet life style. You need to keep accumulating so you can survive any downturns.

>>12559954
How are you living off of 4 grand a year? I'm a minimalist myself and I don't see how that's possible. Aren't you worried about a market crash as well as inflation?

So what are you planning on doing with your free time?

>>12559974
shit post on biz, talk to asian chicks on okcupid, and try to convert more people to this lifestyle so the normies don't fucking continue to make bullshit laws that make everyones life worse and unfree

>>12559964
if you have roughly $350 a month to spend on phone bill and groceries, you're telling me you couldn't make it work? I don't eat steak but I damn sure eat filling meals.

Rent, car payment and insurance, heath insurance, kids, wife etc are all completely absent from my bill

This is the difference between having a $5,000 household budget per month vs $500

Inflation might get me but the food i eat isn't rapidly rising in price

>>12559957
We will live in a scary world if Verizon and ATAT and Lockheed and etc collapse to a price lower than where I bought them in 2014

>>12559954
Honestly good for you.

You'll have to monitor your expenses constantly but the rat race is worse.

>>12560020
>Inflation might get me but the food i eat isn't rapidly rising in price

This boy on instant noodles every day

>>12560020
>$350 pm
>made it
wew lad

>>12560034
finally my nigga seeing the light

I had a fucked up condition in my kidneys last year that finally has cleared up. all the docs saying i was gonna be on meds forever etc etc. it's all from sitting in the wage cage all day and stress eating

memes aside hope you can find enjoyment in your life bro :)

You may have escaped the rat race, but living on $350 a month is shit lmao. You can't raise a family, you can't even afford to snowboard or enjoy a nice trip to somewhere in the alps or a beach. I would understand if this was temporary, but you make it seem like it's a dream come true. What next now? Planning to open a business? Finding a wife to have some offspring($350 a month budget lol)? Don't tell me you are one of those "muh anime and video ges XD" guys?

24 here got so fucking close for a tiny moment during the bull run but hoping to be out of the wage cage by 25 or at least working for myself

>>12560866
Being retired doesn't mean he can't work part-time or do other shit for a little extra money.
Retired means he doesn't have to be a wageslave anymore

Based and redpilled

>>12559675
How did you do it

>>12559675
based OP, good job
>>12560866
>muh family
>muh vacations
spooks

>>12560020
You're welcome to take as much of a break as you think you need. As others have said, 130k isn't enough. Even if you eat Ramen from now till the end, your taxes will rise, your food expenses will rise, and you're not taking into account emergencies. You're planning on dating? Traveling? You gonna sit in your house and play with your imaginary friends and family? What you might think is fulfilling now isn't going to be the case forever. You're going to change. Hopefully you realize that before you're forced to sell the house.

>>12559675
nice

now what u gonna do?

>>12559675
pathetic larp. fake and gay

>>12559776
>hardware sales for 7 years

>>12559842
>I often slept in my car to save money on rent
>$131,000

and you couldn't even save $20k/year... lmao

>>12559675
>no divorce, no wife no kids!!!
good work my fellow

>>12559675
27? What took you so long??

I am 30 and have saved 100k. I received 15k per year in VA gibs. Do I have enough to retire and be NEET?

>>12561068
Go for it bro

>>12560020
>collapse below 2014 prices
Oh boy, you don't know what's coming
Bubble poppening extravaganza

Op, I think you misspelled the word retarded.

>>12559954
If you want to live in the house you cant have a tenant anymore? so have to pay the 6k per year, no?

that alone would be over 300k for like 50years, so i dont see you retiring with 130k

>>12559776
>for health insurance theres literally nothing they can do to make your life better if you can't fix it through diet and exercise
yeah i mean nothing beats cancer better than diet and exercise, have fun dying of a minor infection because you cant afford treatment

OP, you're a Walmart greeter in the making.

>>12561255
>Walmart greeter
non-american they actually have that in walmart? my fuckign sides

>>12559954
>living off 4 grand a year in a house you inherited

you didnt make it. you are a pathetic loser

>>12561261
Its really just a sympathy position for mentally and physically disabled. Its a corporate feel good position for those folks who can't hold real jobs.

envy.
i will be wagecucking at the very least 3 hours a day on average

>>12559675
You will be living off of 350 dollars a month? I understand that your expenses are low but that's worse than poverty tier, worse than neetbux, worse than unemployment benefits. That's absolutely sad

Happy for you OP. Now please come over Daddy and fuck me in my tight pussy.

>>12560866
>You can't raise a family, you can't even afford to snowboard or enjoy a nice trip to somewhere in the alps or a beach.
Everything you listed is overrated.
All you really need in life is shelter, internet and meditation.

>>12559675
You will be living off of 350 dollars a month? I understand that your expenses are low but that's worse than poverty tier, worse than neetbux, worse than unemployment benefits. That's absolutely sad and you have not made it. You are one surprise emergency bill away from starving to death

>>12561261
It's a position created for the sole purpose of giving charity in a more dignified manner to those who need it. They give these positions to seniors and teenagers

>>12561337
What do you do for fun?

>>12559842
>131k
Anon, i....

>>12561325
can girls this young looking spray milk in my face?

>>12559675
Im not even mad. gg if true.

>>12559842
I'm 27 too and was jealous until
>131k
motherfucker I have $191k and even with a free house I wouldn't dare try to retire on that even in the cheapest 3rd world shithole, wtf are u doing nigger

$400k is pretty much the bare minimum you can get away with and that's borderline poverty, and even then with today's valuations a massive justing is on the horizon and $400k likely won't be enough, let alone $130k. you better get a part time job at least, and figure out what that house is worth because you might be better off selling it before the housing market collapses again

>>12559776
wow no health insurance huh. good luck with that mate. lmfao you will be back to work in no time flat.

>>12559954
what's your house valued at?

>>12561351
Personally, I lift weights, learn and shitpost on 4chan.
But when you get to an advanced enough level, you can spend the rest of your life meditating all day and you won't need to do anything for fun.

>>12559675

>no kids
>made it

>>12559861
Well average goy has 40-100k college debt
200k in mortgage
430k to get on such level
I'd say Anon made it

>>12561624

I say nje

>>12559954
Lmao@u if you think you've made it.

>>12559675

nice larp

>>12560020
You're so desperate to do nothing with your days that you're willing to live in poverty to do it. Jesus Christ. What are you going to do with all your spare time in between eating meals of top ramen?

>>12561261
where I live it's theft prevention. they check your receipt and shit.

>>12559675
Shit or Piss
I guess they never Piss, huh?
You got a boyfren, I bet he doesn't kiss ya
He gon' find another girl and he won't piss on ya
He gon' skrrt and hit the dab like Piss Khalifa
You play with them balls like it's Poo Poo

>>12561925

>>12559842

I had 200k last year during crypto boom (sadly only cashed out 50k) and I didn't even think that was close to "making it". Realize there were anons who had even more than I did and they still refused to sell because they know it's not enough to retire. That money WILL run out at some point unless you have a part time job to slow down your spending so you can live off of little.

ah.. how I remember thinking that way. wait till you break into your 30's.

>>12559842
>, $131,000
the absolute state of /biz/
You better jump back in the race, poorfag

goals for this year:
get /fit/ to rid of my bitch tits
fix my asthma
get rid of my anxiety
don't be NEET this year
consolidate at 2400+ in 3v3 and 2200+ in 2v2

2019 is the year of becoming alpha
and 2020 is the year of the gf !!

>>12559723
Haha that image is me 100%
Still have 550k and been fucking off since 2013

>>12559954
you will be out of money by 40 at the absolute latest

>>12559842
This kid knows nothing about retirement and living if he thinks that he can retire with $130k and a house. lol

>>12559776
That's great OP. where did you say you lived at again?

i would say making it you need at least $5MM

>>12559954
you are a fucking retard

>>12559675
Bro your life will be Shit and lonely.

Everyone in this thread is arguing the wrong point. Fucking mongs...
Meh , you losers can fight each other to make your 200k as fast as possible and exit the 'rat race'
Then live in your secluded barrier by yourself till you go literally insane and off yourself 2 years later.
There is 0 chance, you would sustain any sort of pleasure or happiness living in a shit hut you inherited with 121k. The feeling of freedom will be gone within a month, and you'll be thinking.... heh now what

Living the Dream OP

>>12562232
You need a woman and kids
Also some job or project that provides something food or security or else your brain starts to decay

Trust me ive been a neet since 2013
Got into drugs and eventually was arrested for possession
Life isnt cool with no purpose

>>12562283
OP here

didn't realize you fags liked my thread so much

anybody who says you need a wife and kids and vacations in life is RETARDED AND KEKPILLED

If you're gonna live like a third world nigger on 300$ a month what is the point of retiring lmao

>>12562346
so i can get the 13 hours of my life back that was spent at a fucking desk or sitting in traffic

imagine having to cope this hard with your existence bro

>>12559861
Lmao im 19 & i'll be at 100k minimum by 20. You've gotta be stupid to retire at 150k savings.

>>12561957
in my 30s i will just get a chinese cougar to take care of me if needed

>inherits house
>thinks hes made it out of the rat race

You idiot. Even i can retire now if i planned to live your ill-planned lifestyle.

>>12562393
>ill-planned

tell me what aspect of life im missing, o swami

>>12562405
The fact your living off your dividends and not reinvesting them.

The fact you net worth is being recorded at the too of the biggest stock market bubble in history

The fact that even if nothing works you will have about 25 dollars of disposable income a week after bills and food

>>12562009
u can do it lad

>>12559842
Even if you invest thats max 10k/annum, if you are in Murica thats kinda difficult, if you were in europe its barely ok.

>>12562493
131k liquid right now brother. i'm making 2% off high yield checking accounts. cashed out at the top. waiting for the crash to buy some cheap ass blue chips. They were paying me $75 a week in dividends averaged out but I called the top and got the fugggout

Jealous wagecucks in a bucket mentality

>>12559675
Congratulations; I'm 27 as well and think this is also very likely for me within the next 6 months so I've been in an extremely good mood lately. Here's to you my friend

>>12562493
If he is in dividend growth stocks you don't need to reinvest them.

>>12562533
Good luck brother i believe in (You)

>>12561255
Idk what Wal-Mart is like, but in Australia a few of our bigger chains have a greater and honestly it doesn't seem like that shit a job. They check bags of people not leaving by registers, direct people to the department they're after and just generally help people out, especially older people. Considering we have a decent retail wage structure here thanks to a bloated and powerful union, it wouldn't be too bad a job for a semi-retired wagie with some extra income from passive sources.

>>12562679
meanwhile in USA its basically like 10/hr no overtime pay no benefits and the rent is your entire month's pay for nigger tier housing

in the USA, if you have a house, it NEVER pays to work below 20 usd per hour

>>12559842
lol poor fag

>>12559878
thats why high deductible plans coupled with HSA's are so popular rn. as long as you can cover the $5k out of pocket, you are good.

>>12559842
> 131k

LMFAO. hope you have a resume handy

>>12560051
retired with a kidney condition to boot. LOL! Enjoy those healthcare bills as you age OP!

hahaha inb4 back to work in a few months

>>12562756
don't listen to these fags. you have indeed made it, you have financial freedom.

>>12562780
ill see you at your funeral when you die of cancer at 29 phaggggggot

>>12562773
yeee ironically im a registered insurance broker lol. it's a scam bro. unless you are getting it from the state for $45 a month, the actual market price of even the worst HSA is $300-500 a month. I can definitely cover the 5k out of pocket, but I'm struggling to imagine a scenario where I would suddenly need insurance of that amount. appendicitis and bells palsy are the only 2 i can think of. the rest you can treat at home or just find insurance as soon as it arises, rather than paying years of premiums for no reason

>>12562792
the kidney condition no longer exists. paid $75 for a blood test and creatinine, filtration, electrolytes and urea were all completely normal. it was baysicallyyyy all in my head from the stress of wagie cagie

>>12562814
hope your house burns down. also, lick an HIV infected toilet seat rotten kidney poorfag

>>12562825
pic related its u dying of unexplained carcinoma AT 29 HAHAHHAHAHAHA

STRESS UP SENPAI ITS ALMOST MONDAY

>>12562756
If you're on a contract as a greeter (most would be), you get 4 weeks paid holidays, one sick day a month (that you can bank) and long service leave (2 months paid usually) if you stick around with the same company for a decade. Really two people sharing expenses working full time retail can live middle class here easily, as long as they don't want to live in the insanely expensive inner cities.

If i were you I'd want medical cover and a bit more income but still good work op. You've unironically made it with that attitude

>>12559675
nice job bro, howdya do it?

>>12559894
i was retired off of mad crypto earnings and dividends years ago and finding shit to do drove me insane. i ended up picking up a shitty job at a restaurant just to meet new people to hang out with. the real problem with retiring is the doing nothing or whatever you want thing all the time. it can get real boring real fast. it took me 4 years before i finally had to get a job (didnt have to financially just did it to have something to do).

good luck dealing with the boredom, it kicks in really hard after the first couple years. i also found that writing books was a good escape as well. got several self published but even that gets old. again, good luck with finding something for yourself to do as its the worst feeling about being "retired"

>>12563552
yikes, thanks for this insight

>>12563552
>>12563589
just talk to people on okcupid if you want to meet people lmao you dont need to work for $7.50 an hour to meet people

>>12563486
thank you brother god speed

>>12559675

ignore the high-maintenance shittalkers OP, ya dun good. my goal is also 100k. you know yourself, understand what you need and what you don't, and don't have the rapacious consumptive attitude of the average American. just stay busy and enjoy your time. you are richer than a large portion of the world's population, and the fact that you're not in debt puts you above most Americans. stay grateful.

get some health insurance though, that will plow you in the ass if you pull the wrong number.

>>12561068
>not leveraging your VA loan to be a supreme landlord

zero down, no PMI. i know at least 5 guys who turned themselves millionaires off that one thing.

>>12559842

You could last 5-10 years tops on that

>>12559842
Bro, real quick. Get passport. Leave for another country. Live middle class for life. As is, if you live in a first world country. 100k ain't fucking shit in the first world.

>>12563667
godspeed brother you know whats good!!! ill take my chances but hopefully the government will get its shit together and allow you to purchase catastrophic insurance at a reasonable price without having a job

>>12563773
probably hopping a plane to chiang mai or cancun brother ill see you there

OP, you should read the /r/leanfire subreddit.

It's made for people just like you.

>>12559675
Nice one anon

>>12561379
With honkers like those, I think you can get your GOMAD

>>12563801

you should be able to buy a short-term plan, it's what i use. they're just the old catastrophic plans we had before the ACA; it just sucks because you have to renew it often, depending on your state. here I have to sign up for a new plan every four months. anyway it's not ideal but they're cheap and certainly better than having nothing. also check if your state expanded medicaid, you may be able to get something if it did.

bernie 2020 all i'm gonna say. healthcare is absurd in this country

How much passive income would I need to live in Thailand and bang a ladyboy once a week and drink myself into a stupor every other day?

>>12559842
>retired
Nigger you just quit your job you dumb faggot lol fuckin millennials and there FIRE bullshit you’re a fucking loser bro

>>12562847
is that chocolate rain?

>>12559878
>diabetes is preventable
Type 1 is rare and can’t be prevented. Type 2 is preventable, but it also depends on your genetics. Both my grandparents, my uncle, and my cousin have it and none of them are overweight. There’s a solid chance I get it even if I maintain an excellent diet. I try to minimize the risk and avoid eating too much sugary foods but I could end up with it too.

>>12562050
>Still have 550k and been fucking off since 2013
iktf but with far less money
oh well
godspeed fellow philosopher-neet

>>12559954
>>12559894
>>12559842
I was happy for you but this plan is gay as fuck. You made enough to be doing well for yourself but you didn't make it. You need like 800k to retire at least, plus the house

>>12559878
>But the costs from those surgeries/medicines are "UNLUCKY" costs, whereas diabetes is 100% fucking preventable. If you follow a proper diet, you won't get diabetes, therefore you won't need health insurance and 99% of the time you will survive life without getting a bill for 100k testicle surgery because of biology choosing you as the unlucky winner of a deadly and random condition
can't you just go to the ER like the blacks do? and not give your real name

>>12559842
AAHHAHAHAHAHAAHAHAHHAHA

>>12561681
>where I live it's theft prevention. they check your receipt and shit.
lol this

>>12561957
>ah.. how I remember thinking that way. wait till you break into your 30's.
this heh

>>12559954
Damn /biz/ btfo.

Also, OP sell the fucking house if you're paying 6K a year on fucking property taxes lol. Then buy a house in a cheaper area with lower property taxes and put the difference into dividend stocks.

You could have a megacomfy retirement in Atlanta/Kansas city.

Lets say your house sells for 300K and you buy a house for 100K with 2K property taxes. Now you have 320K in dividend stocks, which at 4% dividends is like 13K/yr. Even at 10K a year (3%) you'd be living comfy. Rent out a room/basement for extra income.

>>12561492
>27
>$191k
Mommy and daddy have been nice to you. Only child?

Noice, I'm on the same path myself.

ITT: OP wants to prove he became a Boomer but hardly to do so with $130k networth and living on noodles

Anime teaches us that being comfy is the most important thing to achieve. Being a wage slave is not comfy. Everyone should aspire to retire by age 45 so they can become NEET and watch anime and play video games all day.

>>12559776
Fixing apendicities with a diet? What kind of a retard you are?
Try to fix this kind of sharp pain and high body temperature with a diet mate

>>12561379
>girl

>>12561325
Where's the dick?!

>>12562009
Cringe

>131k
>making it/retiring
>being content with surviving, basically living as a poor homeless loser but with a cottage

holy shit biz has some weird definition of "making it". I have 131k too, just by being self employed for 7 years now and I wouldnt even think a split second about retiring.

Enjoy wasting away your life with ramen in total isolation, not being able to afford a new fucking washing mashine or a car.

Sitting on 60k with a 1k a month expense for rent / food / etc. So I can sit pretty for 60 months till I go broke.

Wagecucked in retail for 13 years. Fired for stopping a shoplifter.

No idea how to proceed /biz/.

>>12566285
get another job and use the experience for a salary bump, start your own business, go into another career as a freelancer as use a bit of that to get you started off the first year

the possibilies to make money are endless if you arent mentally challenged

>>12559776
>and then i inherited a very small cottage house to live in
You lucked out HARD. Everyone could retire ar a young age too if they could inherit a home.

>>12566298
Use retail to get another retail job? I'd just start as a non-manager again. No point honestly other than doing something for $10 less an hour with no stress. Also I've become quite the gym-rat meathead so my aggression is far more intense than when I was a skinny teenager doing this shit.

Freelance what? I have zero connections, zero education. Just a 60k bankroll and retail experience.

I'm quite autistic and OCD, but I've always used them as strengths. (Get shit done, get it done with attention to detail, etc.)

>>12559954
>currently paid by tenant
You own property too besides the inherited home?

>>12566326
Well I imagine you could look for management positions or apply as head of store. Of course the plan isnt to start at the bottom of the barrel again. You'll have a (hopefully) positive track record and lots of experience, now its time to use this to your advantage.

As to the freelance part: Usually you start freelancing something that you either have an education in or a talent. If you dont have any education and no talents its going to be hard. But usually there has to be something you are good at. You just start making money off of it by marketing it cleverly and getting yourself out there.

In the age of internet it has become so much easier to freelance since there are tons of crowdworking platforms and others that bring freelancers and companies together. Thats a start you can build on by getting your name and a reputation out there, so after a while you can get off of these platforms and make more $ cutting out the middle man

>>12566352
If you could tell me how to monetize trolling people in video games I'm all ears.

>Can't youtube / twitch it cause it's "toxic" and you get demonetized.
>No one on fiverr will pay you to raid / troll someone and you get banned off their platform as well.

>>12566388
Thats not really a talent, just something you like to do. I like dropping a good turd and I am fairly good at it since I do it in the shitter instead of the floor or the street, doesnt mean I should be getting paid for that.

>>12560042
agreed