/biz/ - Business & Finance

>Not going to CC
>Going out of state
Kind of deserve it desu

>>15457008

What major?

>>15457018
sad part is I went in state and joined the military (reserve)

21k in student loans

>>15457008
Turning 25 in a couple months.
60k in student debt
$22k income
can't afford to move out of parents'
Thinking about going back to school for a career in compsci/IT/Software Engineering

>>15457026
political science

>>15457008
>40k a year
28 year old with 0k a year here
Stop complaining

>>15457008
Just flee the country to a place where uncle sam cannot take your sheckles.

In the exact same boat
Have $10k liquid that I’m going to put down to get rid of the loans with higher interest and then make monthly payments for the next three years

>>15457066
yup

9k left on my car but the interest rate isn't terrible

>>15457036
>>15457054
>>15457066

Uh. I am going to go study now. You guys are scaring me.

Also, tell stories.

Major and ambitions are relevant.

>>15457105
Just go into a hard science, engineering, or IT and you're fine. Avoid liberal arts, business/econ, and vague-sounding majors.

>>15457117

>hard science

Not sure about this one. mathematicians and physicists end up doing stats/finance/IT.

Bio and chem majors...good luck without going into something like bio-stats with a phd. Seems to be mostly lab work topping out at $50,000 (but usually at 35k).

Business/econ are a joke precisely because the stats/math majors are getting hired by IBs.

But yea, you are generally right.

What about the anons that got cucked though?

Flip houses?

>>15457159
STEM majors are the only majors.
Don't fall for the sunk cost fallacy.

>>15457172

>Don't fall for the sunk cost fallacy.

You have to already have a degree to fall for it...

Again, you didn't address the concerns about Chem and Bio.

I also know physics phds who didn't get tenure or a wallstreet jobs and are fucked.

>>15457032
>compsci/IT/Software Engineering
Fuck off, we are full. Ride another flavor of the generation job.

>>15457008
>Be me
>Be 23
>Fell for the high school drop out meme
>Make $52,000 swinging a sledge hammer

I kind of deserve this.

>>15457224
save and invest your money and you'll be doing better than 80% of recent college grads

>>15457203
>You have to already have a degree to fall for it...
Sunk cost fallacy is what happens when you're halfway through an art degree and you decide, "oh, well I made it this far, might as well finish it."
>Again, you didn't address the concerns about Chem and Bio.
Of course, those majors are not meant for people looking for bachelor's degrees.
>I also know physics phds who didn't get tenure or a wallstreet jobs and are fucked.
https://study.com/articles/what_can_you_do_with_a_phd_in_physics.html

>>15457205
Software Engineering is hiring people from outside of the IT sector. You guys are strapped for talent.

>>15457205
It's Cybersecurity. Everyone I know wants to go into Cybersecurity. I went to the bank the other day and the teller talked about how he was going to major in Cybersecurity.

I think it's a result of those commercials they had on 24/7 that made it seem like it was for "cyberwarriors"

>>15457205

>>15457205

>Fuck off, we are full. Ride another flavor of the generation job.

Keep dreaming. Every single failure from these threads and an IQ over 120 is going to be entering the market in the next 5 years (starting 2 years ago).

Every single city, even in the Midwest, now has an "accelerator" that big companies to go to for starting jobs.

Can you really, honestly say that you deliver double the value of what someone with 3 years experience and a lot of logic does?

Do your RegEx tricks, your knowledge of best practices, multiple languages, understanding of basic ML, knowledge of VIM, etc really matter to a company putting out LOB applications with a decent architect?

Shit's scary as fuck.

>>15457224
>>15457240

What anon said. Also, dem gains. Just don't get hurt.

>>15457242

>Sunk cost fallacy is what happens when you're halfway through an art degree and you decide, "oh, well I made it this far, might as well finish it."

Yea, I will agree with that.

>Of course, those majors are not meant for people looking for bachelor's degrees.

I know a LOT of people who didn't understand that. Or worked in college and got lower GPAs and now they are SO fucked, because they can't get into college for a graduate degree.

>>15457254

The only reason it's "strapped for talent" is because salaries are competitive.

>>15457240
Yeah thats the plan, I've already got about $30,000 in stocks and a couple of thousand in meme coins. I'm frugal as fuck and I own all my assets instead of going for repayments.

>>15457299
good man

I believe deep down that we're all going to make it but this is the first birthday I've had where I was like "damn what the fuck happened"

>>15457324
Yeah its like that, I had that moment when I was 20. I owned my car, but I had like $2,000 in my bank account and I was like what the fuck happened. Thats when I pulled my head out of my ass and started grinding.

>>15457008
>23
>failed high school
>30k/y
>25k savings
>live with parents
>waiting to start welding course hoping to get a 40k job at workshop
We're all gonna make it somehow, just hang in there bro

What can a brainlet like me major in that is easy and good money? ;_; I know it’s asking a lot but I’m retarded...

>>15457555

Seminary training:
https://www.youtube.com/watch?v=S6ygE226h-0

>>15457036
I chuckled. I am so sorry for you anon.

>>15457520

>30k/y
>25k savings

You are doing fine senpai.

Let me know how you do: http://test.mensa.no/

>>15457608
>http://test.mensa.no/
I got 124.

>>15457850

So basically enough to do whatever it is you want to do.

That test specifically is fairly well calibrated for fluid intelligence, though obviously it fails to measure crystallized intelligence.

>>15457032
>Thinking about going back to school for a career in compsci/IT/Software Engineering
so you got cucked by the college meme, and you want to go for round 2? Just get a few certs and diy. You literally do not need college for a job in IT.

>>15457876
Does 110 qualify kek

>>15457608
I'm >>15457520
And sadly those squiggly lines are nothing like the cave paintings I am used to, hope you're not disappoint with me.

>>15457299
>assets
But those are literally just digital illusions of wealth

>>15458099
I'm talking physical assets.

>>15457608
>outside the range this test is able to something something
Wow I'm Smart!

>>15458098
If the thread is still up I'll try again tomorrow, I remember having done a little bit better in the past and I'm at work so I can't quite focus as much as it said I should.

>>15458527
Got the same score, was talking to my gfs mom the entire time lol need to take it when I can focus

>>15457159
Yeah but business for example
I studied that AND CS
And i honestly believe EVERY cs major could easily do the tasks a business student can do and even partially automate them
So i feel CS and if you want to go into a trade electrician is the only long term job guarantee. Someone has to write this stuff the machines work with and someone has to repair them as well

>>15457008
35 years old here
40k debt
master's degree
32k a year

no degree and ballin with two cars

You can literally become an officer in the Military.

>negative networth
>but just got a new job
>53.5k a year and another 6.5k in stock options
>graduated a year ago
Life is getting better

>>15457608

OP I'm back

glad to see I'm somewhere in the middle of the bell curve

albeit towards the back

>>15457608
i'm super stoked at 105 IQ on the real. i was thinking around high 90's

>>15459366
teach me, some of those fucks made no sense

>>15458089

Yea, it does. Basically, you will just have to study more and won't enjoy your life as much because the higher-IQ chads can learn it quicker. But it's enough to do STEM.

>>15458709

I heard it put in an interesting way: You either work above the API layer, or below it. And if you work below it, you are fucked. Was kind of profound in its accuracy.

>>15459366

I would get tested professionally in your case. That is very, very impressive if its your first time taking it and you didn't cheat.

If you get tested professionally and it checks out, you have 0 excuse not to make it.

>>15459601

The id is that there is a bunch of patterns, and the problems near the end have 4+ patterns in them. This tests the amount of information your monkey brain can keep in it.

If you practice these types of problems all the time, you will do better, but that's pretty much training, and you would need to be checked with another test to accurately approximate your IQ.

Basically, if you have a HS education and are remotely familiar with how these tests work (like, you understood the first few problems), your result is accurate.

Hopefully you worked in a completely quiet place without distractions.

If you are unsatisfied with your score, you should learn a language/instrument/or grind n-back.

Mindfulness meditation might help, but questionable.

Also, come at me anons:

https://lichess.org/XoM1bDQb

>>15457008
What do you mean idiot it could have been much worse.

>>15457008
Check my net worth over the years. I was 25 in 2014 and still in school with barely $10k in assets. Now I'm 30 and have a quarter million. You have plenty of time to choose the right direction.

>>15459641
>>15459632
I know but 25 sounds like such an intense birthday

I know I'm on a good path it just sucks to think that in this present moment I literally have negative wealth

Is college a meme or not? I'm only making 35K/yr without a degree in a relatively stress free job, only mildly physical. I MIGHT be able to get 40K after a year or two but it's pretty dead end after that

I've always been interested in IT work, but I fell for the college is a scam meme. Been studying for the A+ cert but also wondering if I should be going back to college. I'm already 26 and this shit is worrying me.

>>15459672
we're all fucked desu
>the slow death

>>15459672
it's not a meme but studying something that translates into a job

also INTERNSHIPS, get a fucking internship while in school and if they like you they'll hire you after school

>>15457880
I dropped out the first time. I was young and honestly fucking lost it at the idea of being in so much debt for a meme degree.

>>15459641

What are your "assets"? Not trolling, genuinely curious. The only one I have seen get rich on a Robert Kiyosaki type plan was a guy fixing up single family homes and renting them. But he also got started in 2008, so that kind of explains a lot of things.

>>15459672

College is NOT a meme if you choose the right major. But, to do IT, you really don't need a degree.

Comp TIA certs will mostly get you into helpdesk jobs, not programming jobs.

There are like a 1000 people here who will answer all your IT questions. Literally just ask.

>>15459708
I've got about $40k cash, $120k in stocks and crypto, $105k in my 401k and company retirement stock plan, and my car is worth $9k.

>>15459720
based

ok time to go booze

appreciate the insight bros

>>15457608
how did i test 140 in school and my drunk ass tests 105 as an adult

>>15460197
>fell for the alcohol jew cuz he can't handle the paint of striving

ngmi

>>15460241
you're a nigger

>>15460463

>>15457027
>21k
That's not so bad. Well, I guess it is when you're only making 40k BEFORE taxes lmao. Gov. takes half of that.

>>15457032
>>15457520

Damn. I thought I Was an outlier being 23 and
living with parents. No college education make 35k per year pre tax.

Is moving in with roomates worth it?

>>15457036
>political science

>>15457008

Same boat. I only have 10K in student loans so my net worth is positive, at least.

>>15457008
im 20
got 29k from 2 years of work
just quit my job
where do I go from here

>>15461518
>Is moving in with roomates worth it?
nah
the world is getting ever more hostile as time passes by
people drift apart, become lonelier, full of hate
irrelevant what strangers think
fuck that what normies try to impose upon everybody
not everyone can be a happy retarded low inhibition normie that doesn't grasp even 10% of what's going on behind the curtains since civilizations started
at least back then people held together in tight communities
now it's ever colder and no one cares about strangers because people become merely a statist

>>15461518
>outlier
I think you /we still are outliers, of the few people my age I know (3), two live alone in expensive small apartments in tge town, and one lives with his gf.

Personally I'm saving up to buy a small house (100k tops) in the woods an hour or so from town, and live there when I'm not working and sleep at my parents the days I work.

I work 12 hour shifts two or five nights every week, so there is no use having a one hour commute on work days, and I don't care for a social life anyway.
Hopefully I can cut down on work hours too and get a full free week off every month, but that might be hoping for too much.

Thanks for reading my blog, I felt like I needed to put my thoughts into text.

Also I'm finally back home and going to sleep now, see you in seven hours or so.

>>15459589
How does it feel to be blisfully unaware?

>>15457032
>>15457027
>>15457026
>>15457018

Maybe you Zoomers or Millennials should rethink of what you study for fucks sake.
Electric/Mechanic Engineering is always seeked maybe do this when you see that your classes in hyper super duper computergayness is full of pajeets/incels.
Imma doing my bachelor in electrical engineering in germany and im guaranteed an income of around 3.5k€net after tax (not included the additional benefits of around 1.5k€) here in germany cuz our zoomers/doomers/millenialls all want to study dem fancy mba/computer.cc-Pajeet-incel-shieeit/businessman-classes (dunno what it called in english or Andropogenous diploma and these classes are oversaturated and wages will get low , but mine is 100% safe.

>>15462523
oh and im 26 and im gonna finish the degree in part time with 29ish

>>15462529
Good for you anon

>>15462523
You're in for a rude awakening when you find out that engineering is one of the most competitive and autistic fields in the world

I majored in Biology but now am an engineer at an automotive company. Would like to transition to medical devices in a couple of years. IQ 135

>>15461561
Get another job and save more till you can life off of investments,

>>15457008
Lol you murricans.

>25
>Masters In Architecture,
>0k student debt, because free duh.
>comfy job
>making 50k a year
>saving 30k this year, frugal af.


>gamble it all away on the internet casino
fml

>>15457008
Put yfw 34k/yr puts you in global 1%

>>15463663
Not to mention respected and beloved

>>15464903
lmao, maybe 30 years ago. Engineers are so fucking common now, its so saturated

>>15457008
Most 25 year olds would be happy to be making 40k a year. There's literally no jobs that pay more than 12 bucks an hour these days.

>>15457008
at this point i'd be happy with 35k a year, nice coworkers and free food plus snacks at work..

>>15457036
>pay 40k/year to study political """science"""
has to be bait

>>15457008
what did you expect you brainlet, eat shit and die faggot

>>15457032
Hey friend, I just want you to know...

You're not smart enough for a comp sci job. Please stick to beating off to loli idols.

>>15457008
if it makes you feel any better i'm EXACTLY what you described but i dont even make 40k. maybe closer to 35k

>born into a family that founded a fortune 500 organization

>Literally never worked a day in my life

>Drive a new car, wear nice clothes and dating two dimes

>Family is pressuring me to have kids or work in the business but I'm only 24

Feels weird man, I just want to play video games and smoke weed

>>15457008
>it wasn't supposed to be like this
Thats where you're wrong bucko

>>15465944
hope your larp makes you feel better

>>15457117
I'd be wary of IT, and most forms of engineering is dead. People flooded engineering and now the job market is shit, and the same shit is happening with IT, it already can be outsourced to India to India + domestic script kiddies who will do it for peanuts make a decent wage hard. Medical is always a good bet, they make about 60-75k for a 2-3 year degree, about 80k+ if you take some specializations/extra languages.

>>15465944
From a poor persons perspective I eventually got tired of playing video games cause they're all repetitive and don't really contribute to anything unless you're playing with friends.
Overeating and working out like a madman to burn off the calories is where its at.

>>15459641
Seems like you just racked up a huge amount of debt investing in crypto and stocks. You did good in the end, but I'm not sure if it justifies being 300K in debt. I don't know how the average person in your position could avoid blowing their brains out from years 2013-2018.

>>15457555
Liberal arts

>>15466105
I was never $300k in debt. For some reason, mint.com double-entered my student loan account for a few months.
I cashed out a bunch of crypto and paid off my student loans in January 2018. Then I took out a personal loan a few months later to buy crypto. Dumb and greedy, I know.

I am going to use this thread to post about my grinding, so I get a false sense accomplishment.

>>15457036
you're a goddamn retard drop out now

>>15457277
Too bad lowly plebs don't have the critical thinking skills to make it in the field

>>15457008
>Be me
>Graduating soon undergrad in accounting
>Went two years in CC
>Transferred to a university in a shithole area
>Tuition fully payed in private scholarships since enrollment is low
>AACSB accreditation
>Have a full time offer from Big 4
>Will wage slave for 4 years before jumping to a cushy industry job for 100k

Feelsgoodman

>>15457008
40k a year. Damn. I cant find a single job paying anywhere near that much and i have a college degree too. 15 dorrar a month is it

>>15466732

What degree? You can make 40k doing sales.

>>15466726

You might want to get your CPA. Most Big 4 people have a dual major or masters in it and a CPA for 100k. Also, accounting is more mind-numbingly boring than people who view it as mind-numbingly boring know.

Like holy fuck.

>>15466207

0:15 - 0:26 : Multivariate gradient descent videos. "Partial derivatives" are confusing me. Time capping partial deriv to 30 mins.
0:26 - 0:40: Figuring out partial derivatives. Got the concept, not so much the math. Probably good enough for sake of focusing.*
0:40 - 1:15: Phone call. 35 minutes. Waste of life.
1:15 - 1:52: Feature scaling, normal equation, etc.

Leaving to walk cause this is getting overwhelming. In short, what seemed like hard work to me ended up being:

>two hours of time at desk
>less than 1.5 hrs of actual study

Whew lad, not gonna make it at this rate.

* Looks like the idea is just to see which direction the output will move if ONLY one variable is changed. So you take a derivative without regard for other variables.

> This swirly-d symbol, \partial ∂, called "del", is used to distinguish partial derivatives from ordinary single-variable derivatives

>The reason for a new type of derivative is that when the input of a function is made up of multiple variables, we want to see how the function changes as we let just one of those variables change while holding all the others constant.

https://www.khanacademy.org/math/multivariable-calculus/multivariable-derivatives/partial-derivative-and-gradient-articles/a/introduction-to-partial-derivatives

>>15459707
so you got 60k in debt and didnt even get a degree out of it

>>15457008
>be me
>24
>9 months until bachelor economics degree
>no debt
>all in, $7k, in crypto
>about to get a gf

>>15467560
happy for ya fella, keep up with the keep-up

>>15467574
thanks anon, will do

>>15457159

Young people should get into crop and soil science, super easy degrees. I now have 2 investors that want to pay for the down payment on a farm that I’ll manage as a side hustle. FSA loans at 1.5% interest are literally free money. I’ll work the land then sell it to a real estate developer for stupid profit.

Plus I got a solid job that pulls 50k a year before the huge sales commission bonus. Everyone in ag is dumb or old as shit. Boomers dying left and right. Fresh air and beautiful views of you’re anywhere outside of the Midwest.

>>15467560
>Debt free
>About to get a kinda useful degree
>All in into a bull market
>Gambles all of it for a girlfriend

See ya after you take your black pill, bloomer

>>15457608
131 iq chad reporting in

>>15468321
I want to know more about this. Currently 25 and a software dev making well but I've been looking into real estate hard. Single family rentals seem tried and true until you can sell them and get into commerical stuff. but I've also been looking into ag. Young farmer loans are basically free money. Setting up something like a tree farm or low maintenance(relatively) agriculture would be sweet.

I went to an ag expo and based on me being in a rural area I agree. most farmers are old and their kids wanted to go to college and move to the big city. So I think there's massive upside to getting into it now.

>Surviving off my furry porn commissions patreon
I'd be lying if I said I regret my choices.

>>15465800
>Compsci fag afraid of losing work

>>15468740

Why would you regret it? The question is what your long game is?

Quite a bit of furpetition out there.

>>15465015
based

>>15468403
amor fati

>>15457008
Is a degree in electrical engineering worth it or should I just dropout of college and become Le salarié?

>TFW younger than you
>TFW make more money than you
>TFW higher networth than you

Get to work faggot stop complaining

>23
>48k/year before OT
>41k saved
>no debt
>Masters in Chem will be done next year
>Bacherlors in bio

how am i doin /biz/

I want to move out but im not sure where im gonna end up and im waiting for that next recession to hit so itll be a buyer's market

>>15457036
Imagine borrrowing $21,000 to study political science. I paid $60k CASH for my studies, but 3 years later I’m making $105k/yr and it’s only going up. In 3 more years I’ll be making $200k/yr.

>>15458099
>bro money isnt real youre poor just like me
Why are you here
go back

28 yo dropout with $600k in crypto. What should I study in school cuz this money wont last forever. Honestly im kind of retarded so Idk if I could do medical or engineering but I just feel so aimless.

>>15471063
Thats>>15471063
enough to live off divvys

>>15471194

In what exactly? This 600k is pre tax but I have been holding for over a year.

>>15457008
Life can be hard but don't despair anon, Jesus loves you :)

>>15466951
>You might want to get your CPA. Most Big 4 people have a dual major or masters in it and a CPA for 100k. Also, accounting is more mind-numbingly boring than people who view it as mind-numbingly boring know.

>Like holy fuck.

This. Not to mention I'm on about 70 hrs in the past 7 days. I want to kill myself

>>15465784
Be nice you NIGGER

>>15457520
>27
>living with parents
>14k€
>4k€ savings
>starting a CS degree after a few years of being a dropout
CUT MY LIFE INTO PIECES

>>15462523

why is electric/mechanic engineering always seeked? what would graduates in this area work with?

>>15473812
>28 this Friday
>live with parents
>make $600-900/week working 25-35 hours
>30k stocks
>8k crypto
>50 oz silver
>going back to school to finish my bachelors in business administration, only halfway done

I feel so fucking behind and like I'm eternally fucked. I just want to build a nice life with my gf. I don't even want a big house or fancy things, just some land so she can care for horses and I can grow some things. I am absolutely dreading corporate life, what can I do? I am too much of a brainlet for STEM (bad at higher maths) and don't want to work a tradie job if I can avoid it

Study bioinformatics if you wanna get absolutely justed like me.

>>15457036
>political science

>34
>fell for the accounting meme
>$70k/yr
>$300k net worth

>>15459641

nicely done. ive always been afraid of leverage but it really is the only wealth catapult for wagies

>>15466726

>t. quits big 4 in six months

i was always wondering
if u have student debts in the us.
what happens if you cant pay back?
go to jail.jpg?

>>15457032
you should of realized school is a scam. dont get into more debt. teach yourself create a portfolio and connect

t. bs and ms in cs