/biz/ - Business & Finance

>>25303484
Welcome to the club

lmao yeah trades and labour are the only jobs worth having.

You won't regret it in a few years

get a commercial drivers license
go work construction

>>25303484
just add random bullshit to your resume. Like interning for some company that just went out of business.

I didn't even get any fucking pussy in college

>>25303606
Turns out you can just get that shit free off the internet and with a library card lmao.

Well, yes, welcome to adulthood in a late stage empire. You're gonna be queued behind blacks, immigrants (Asian), women, LGBTPQs, and immigrants (Mexican).

Gotta take the jobs they don't want or are barred from taking by reality itself (remote oil work, frontline infantry, contract programming, daytrading, etc.).

>>25303484
College is a paywall, just like the lottery is a retard tax.

>>25303761
>mfw that's me
20k net worth at 26yo
it's over bros

I’m 26 and in debt

Is there anyone more fucked over than late millenials?

>>25303484
Why did young people do this to themselves? Any baby boomer could have told you school was a bad deal for the price it's at now. I don't get the younger generations.

>>25303964
Also Chris: weekly physical therapy at 40, mesothelioma, addicted to scratch-offs & coors light

>>25303964
Baby boomers are the one that pushed the "college is necessary" meme to begin with and had all those careers need a degree and years of experience in order to instead hire H1Bs rather than native workers and so on and so forth.
Fuck them all.

>>25303484
Same boat as you man. Finished 4 years in business and can't find shit. I'm thinking about applying at a "local" factory. The shifts are 12 hours though, work 3 days and 3 days off. I feel like I can't do 12 hours a day

>>25303484
>not getting into the nepotism safety net

you fucking deserve it for giving your money to the college jew

>>25303858
Ive got a netowrth of maybe 5k at almost 28 now

>>25303484
doesn't matter what school just matters what degree and if you got work exp/internships in college

t. spent 6 years sleepwalking through a polisci degree so i could drown in alcohol and fuck tight college teens.

>>25303484
The problem isn't college, the problem is you.

>>25304062
>wealthy people don't drink, waste their money or have health problems

>>25304280
This. You guys have no idea how fucking hard they meme’d it into their kids.

>>25303761
xoomers are the new boomers

>>25304280
>>25304798
millenial here. anyone remember this?
>YOU NEED TO GO TO COLLEGE SO YOU CAN GET A GOOD JOB OR ELSE YOU'LL WORK MINIMUM WAGE FOR THE REST OF YOUR LIFE

i have a well paying job now and it works well. ama.

>>25305634
gz bro.

>>25304062
Lol triggered

>>25303956
I had just graduated school with $160k debt when I was your age. 5 years later, I'm debt free and my net worth is almost $650k. Don't give up.

>>25303484
first year out of school how'd i do boys?
28
-35k net worth. 135k debt (down from 188k)
100k invested

>>25303964
>boomers trying to damage control and pretend they didn't shill college to their children every single day of their upbringing
Anyone raised by boomers constantly heard about how they're going to spend their life flipping burgers or pumping gas if they don't go to college.

>>25306010
>$160k debt
wtf

>>25306478
That's not nearly as bad as many of my classmates. The average was around $200k. There are some that have loans in the 300s now because they're doing IBR.

If you took out a 100k+ loan for school, you're a normie and should leave this fucking board right now.

>>25306540
IBR is a joke. the amount of money u loose by taking one of those lower paying jobs that qualifies, and the compounding. idk.
im still not clear on if u gotta report it as income either which is a big deal.
also relying on the gov is like... sketch. they know only doctors n shit are cashing it out. only a matter of time till the boat leaves when ur a few years away from the finish line

>>25306543
Booba

>>25306581
I was thinking the same thing as you. You do have to pay income taxes on that amount that's forgiven after 10 (PSLF) or 25 (IBR) years. That's why I paid mine off within a couple of years.

>>25306659
yeah.... given that the amount compounds faster than your paying it off and say it doubles, the income tax is going to slaughter you.
I think for most people wanting to do FIRE and stuff brokerage accoutns make a lot more sense with long term cap gains rates. but idk if u start investing the difference and u start making bank in a brokerage i bet the income based repayment will go up. its just designed to make u loose no matter what. i think i calculated the payoff was if u owed more than 320k right after school using a little excel simulation based on the interest rates i had for my HEAL loans

>>25306543

>>25306743

>>25306758

>>25306743
>>25306758
>>25306777

BOOBA

>>25304798
>>25305273
>IF YOU DON'T GO TO COLLEGE RIGHT AFTER HIGH SCHOOL YOU ARE A LOSER WHO FAILED AT LIFE
>IF YOU DON'T GO TO COLLEGE YOU END UP FLIPPING BURGERS FOR THE REST OF YOUR LIFE AND ONLY PATHETIC LOSERS FLIP BURGERS
>WHAT DO YOU MEAN THERE AREN'T ANY JOBS? FUCKING MILLENIAL SNOWFLAKES JUST GOTTA LEARN TO BE HUMBLE AND PULL YOURSELF UP BY YOUR BOOTSTRAPS. GO FLIP BURGERS FOR A WHILE UNTIL SOMETHING BETTER OPENS UP
>YOU'RE TOO ENTITLED THERE'S NOTHING WRONG WITH FLIPPING BURGERS....WHAT? DO YOU THINK YOU'RE TOO GOOD TO FLIP BURGERS
>KIDS THESE DAYS HAVE NO WORK ETHIC LIKE WE DID BACK IN OUR DAY

>>25304062
.t Adam

>>25306288
Boomers shift goal posts and gas light. It's just what they do.

why dont you fags take life into your own hands and take some risks. you have crypto.

picrel

>>25303484
should have been a code monkey anon I literally had people reaching out to offer me 100k+ before I graduated

>>25303858
I was you a few years ago. I put that 20k into Link and have 600k now. Don 't give up.

>>25307238
i mean from my perspective, all of the ways you go to school and get out with a good job making bank are fucking horrible. you have to grind through some of the most unimaginable adversity and preserver in the most competitive of environments. thats because if it wasnt competitive, then everyone else would go that way and over saturate it.
so to some respect boomers are right when they shit talk work ethic. a lot of people get out of school with no job prospects because they took an easy way out in college.
cant get into chemical engineering? how about climate science?
but no kids put their foot down when they dont get into their majors and say well this isnt worth it no more later. the school has you by the balls. they know u gotta graduate. sucks to be you.

>>25307823
No one - including myself - is arguing that boomers are wrong when they say that having a good work ethic is essential.
What younger people bristle at is the boomers sanctimoniously giving out advice (that many of them didn't adhere to themselves), then turning around and sabotaging everything so that anyone following that advice would be hard pressed to achieve the results that were promised. THEN after doing that, the boomers still had the gall to mock and shit on their children and other younger people for being stupid enough to follow their advice in first place with an "haha well that's what you get for listening to someone like me sucks to be you i guess" attitude

If boomers would just have just a shred of fucking humility and admit they gave bad advice and ultimately made things harder for everyone else, then I honestly think most young people who are struggling could forgive and begin trying their to adjust to the hand they've been dealt, but boomer hubris so profound and insultingly obtuse I think a lot of people get so wound up in the frustration of it that it becomes paralyzing to a degree.

>>25308027
well said.
i hope we start to reign in social security. i was really hoping that trumps EO on haulting SSI payroll tax would have started a discussion of what the fuck are we doing. why are they getting our money under a system that is designed to be bankrupt by the time we go to take our checks out

I’m 23 and have 100k in an investment portfolio (all that I’ve earned myself), and 15kish in checking and savings from working n stonks, I’m tempted to put it all into crypto when the next crash hits

I think my worst fear is making it by working too hard and achieving too much to the point where people will assume I didn’t earn it all. Like my 90 hour work weeks didn’t happen. Like I didn’t grow up in the ghettos

I think I’d snap and murder someone desu, like I could care less what names you call me but if someone discredited all of my effort I’d go rape mode on em

>>25308478
>BUT I PAID INTO THE SYSTEM MY WHOLE LIFE FUCK EVERYONE ELSE IT'S MY MONEY
That is the boilerplate response you will get from most boomers and it's the reason social security reform/ending it won't even begin to be seriously discussed until every last boomer is dead and several generations have passed.

Everybody else understands by now that SSI is bullshit and assuming anybody even gets anything by the time they're eligible the devaluing of our currency will render any payouts worthless anyway. As of right now it's just another fucking tax to extort out of working people which is why I'm hopeful that when the boomers are finally gone people will be less hesitant to do away with the SSI system altogether because they're not emotionally wedded to the expectation of "receiving" something valuable that they are "owed"

For now, boomers can still vote so SSI is untouchable for the time being. Voluntarily giving it up as a generous show of good faith to future generations would be an incredible act of redemption of the part of their generation but we know that the boomers would never do such a thing of their own accord. They're far too selfish for that - even ones who can admit that SSI is a scam and don't expect to benefit from it themselves.

>>25303964

I studied philosophy and never got a job out of it, and honestly, I Don't even regret it.

>>25308767
Same. Philosophy degree. Knew college was a meme while in it. Did it cuz parents paid and it was ez. Had no money which sucked. After school worked labour. Sucked but had some money. Now self employed with more money. Just have to figure it out.

Basically all the zoomers get is this. Use your body and get paid ok, work minimum wage, or be the .01% top goy to grind through thousands of asians and other affirmative action to get a decent paying white collar job.
Or work for yourself and play the system to your advantage. Copy the rich people. Stop being poor. Stop buying brand name for pussy. Fuckin idiots.

My parents were so fuckin dumb brought in 200k+ and still in debt. Like bruh with that income at 20 I'd be long set by now. Smfh man.

>>25308870
Labor is getting pajeeted here too. I did science which was a total meme in the end and have seen first hand how many poor people with poor mindsets there are in science but all that repetitive labor shit will be automated soon.

>>25303484
yeah. fucking same.
>come from affluent, highly succesful jew family
>bred from birth to get higher education
>choose biology, family says awesome idea!
>no electives, every class is either math or science.
>finally graduate in 2007
>ready to take.on world
>go to career guidance counselor he says “uhhhh have you checked the newspaper? the internet has a lot of jobs on it"
>mfw i realise i got jewed

>>25303484
Kek, I finished my degree in TOURISM just when the first lockdown arrived here.
They gave me the diploma without getting me to pass the examen so we dont have to get and spread the coof. Before the lockdown I had found a job and a lovely flat in one of the best spot in Paris, I lost it all.

>>25308590
This. My sister is a libshit with 200k in debt. I fucked up and went to law school but was lucky enough to get a decent job where I worked 80+ weeks with no vacation. I was a slave for the man for 6 years and managed to purchase my freedom after saving some and making it with BTC. So I fuck off to Czech Republic and buy a tiny plot of land and she acts like I didn’t work for what I have.

>>25309211
>examen

Spotted the frog. Love you guys but you really need to get off the tourism meme. It’s cancer. You guys are becoming dance monkeys for the Chinese.

>>25308590
"I’m tempted to put it all into crypto when the next crash hits"
>doesn't realize the next crash will end up at about the same price point as it is now
>plebbit spacey
ngmi

>>25308767
>paying to study philosophy
nigger just use LSD

Do you think I'll be good when I finish my accounting bachelor in 2 years?

>>25309531
Perhaps, but you need to be looking for internships during breaks and possibly get a double major in data science or some tech field.

>>25309531
If by 'good' you mean cucking for 12 hours a day for less money than a waiter makes after tips
source: friend who was an accountant that said he made more while he was studying and working at swiss chalet