/biz/ - Business & Finance

Yeh in GRT faggot.

yeah I have 1 chainlink

Dave I am sorry ....FATHER!!!

i have no money dave!!!!!!!!1 none!!!!!!!!!

>>27295313
It's funny money, son.

Dave me and my wife bring home 200k a year and we're both in 50k of credit card debt and student loans. Please Dave I'm so scared.

>>27295530
Sell your car now. From now on you're on rice and beans, beans and rice for 10 years.

>>27295190
I'm sorry Dave... I spent my emergency funds on SHIB and now have my 8x on funny money. What will I do now...

>>27295190
I have 3 months expenses sir! Currently working on baby step 4 & 5

I've got $90k in the bank and zero in the market. I feel like an idiot.

A $1000? I'm not 20, I have six months in emergency funds

>>27295721
You've got issues. Obviously, you've got issues. Don't you see that? Sell it, right now. You need to invest in a Roth IRA, son. Work up to a mortgage. Rice and beans.

>>27296028

Why? I never have over $5k in my bank account. It's invested or in savings

>>27295603
Kek

>>27295190
1? Only 1 thousand? What kind of retard...

>>27295190
>boomer advice
discarded

>>27295190
does it count if it's in silver?

>>27296246
It's called a baby step, son. Don't you know what that means? My Lord...

>>27295190
just a thousand? I would have expected him to say higher than that

>>27295190
Yes Dave, I have my emergency fund. But i have something worse i need to admit to you.
I've had pre-marital sex and i dont go to church.

>>27296097
But Dave, what about all this gold I own? What to do I with the gold Dave?

>>27295190
I make 60k a year and have 150k in debt. How do I pay this off in 6 months, Dave?

>>27296451
Does mom and pop have a spare room? Because you're moving in, right now. Sell the house, sell the car.

>>27296451

Don't pay rent and use that asshole of yours. Gay men love tight bussy

Had 6 months cost of living, put it all in crypto. If it ever goes downhill I'll sell before it goes below the cost basis. Feels safe enough

MUSE is my emergency fund

>>27296028
Unironically half of that should be under your mattress

>>27295530
Dave, I lost 400,000 dollars on the stonk market. I also have 1 million in credit card debnts. What now? Will these rice and beans work?

>>27296592
How dare you YOLO vast sums of money!
Hasnt the various CNBC and Bloomberg articles about bro culture invading wallstreet and how too many men are treating stocks like their own personal casino shamed you enough?

>>27296568
You need Jesus Christ in your life. My Lord... Go to Church, son. He's waiting.

Having enough liquid assets to survive 6 months is not bad advice. I keep 5-10 in checking, max out my Roth, and the rest in brokerage.

Realize that he's trying to help wagies that don't know shit about money or finance, and are heavily in debt

>>27296310
I had $6k in savings before I even moved out, every penny I got on the job and not a dollar i didnt earn. If you only have 1k youre either retarded or degenerate.

>>27295190
Who needs emergency fund when I have mommy and daddy?

>>27296742
Rice and beans up your pooper, now!!!!

>>27296568
I already pay my rent that way.
>>27296529
Will do Dave, hopefully the 90k I invested in the fabergè egg market will pay off soon.

>>27296804

I'm not the one in debt.......now pull down your pants

>>27295190
yes but it's in silver

>>27296371
Liar

I did Dave, then I put it all in GME. And I'm never selling.

>>27295190
Dave, I make a million dollars per year and have no debt and no mortgage, what should I do?

No, retard
https://abcnews.go.com/US/10-americans-struggle-cover-400-emergency-expense-federal/story?id=63253846#:~:text=Almost%2040%25%20of%20American%20adults,a%20Federal%20Reserve%20survey%20finds.

>>27295190
Yes?

Enjoy losing that to inflation

>>27296925
That knowledge of that market dies with you. You have the keys to that knowledge. My antique gun collection is worth about 250k, and it's a heck of a difficult time to transfer that knowledge of what the value is and where to sell is to another. Sell it, now.

>>27296972
I've been debt free for over 30 years, son. And in my time I've learned see the blind from a mile away. Catch those IDs or you'll miss them. Play sports.

>>27295190
I'm trying to think of an actual emergency that $1000 would take care of.

>>27297124
They're spending money they don't have. They need to cut down to the essentials. No eating out, no car loans.

>>27295190
>Of course, dad. I would never forget it. It's sitting in GME right now.

>>27295190
Bah, easy and I'm a slav.

>>27297288
You can get your tires changed for that much.

>>27297288
It's all about the mindset, for people to start saving, to start thinking about the plan. It's a baby step to success.

>>27297460
Dave told me to sell my car.

>>27297513
Hard to save money when I'm literally so sick that I can't do any job that requires me to walk or stand for more than 20 min at a time.

>>27296907
ok sir. I'll sell my second ex's boyfriends cousins car to help this.

I’ve got 20k rounds of various ammunition, is that okay?

>>27295530
Oh good lord. You're not eating out anymore, that goes without saying. New car; get rid of it, I mean what were you thinking? The house too, I want you to sell that as SOON, no you're not listening to me, as SOON AS POSSIBLE.

>>27297717
You should sell your fancy computer and live with mom and pop.

>>27295190
duh

>>27297717
Then get an office job retard. You can even work at home these days.

About 50k scrub

>>27295190
This may surprise you Denny Ramirez, but I own 20 Oz of silver.
Each Oz in real value is in fact 1000$ each.
I could go blow my entire savings and checkings account at the local Indian casino, and do donuts in the parking lot until the Rez police beat me to a pulp.
Guess what, after all that, I still have 20k$ saved in the form of silver.

>>27295190
you cant even wipe your ass with $1000 bucks

>>27295190
nope. sorry pa, im holding the doge coin bags right now

>>27298097
>Each Oz in real value is in fact 1000$ each
Try 4000$

>>27297288
a sexual emergency.

>>27297785
NOT ENOUGH, MORE RICE AND BEANS IN POOPER NOW!!! SELL YOUR KIDENYS IF YOU HAVE TO!!!

dave says silver and gold are terrible investment choices. Is this because banks have artificially kept the price down?

Yes I do, Dave. Now I just need the memes to pay off my debt, and fund 6 months worth of expenses.

>>27295190
Hi Dave first time caller long time listener. I'm in a bit of a pickle, my wife and I got rugpulled by some pajeets on an internet tranny forum and now my 500k in BOOBA is worthless. Should I try and pay off my crypto debt first? I was considering taking out a credit card loan of 50k and going all in on LINK so that I could move to indonesia in 2022 at the end of the bullrun and live like a god for the rest of my life?

>>27295530
I like to listen to the Dave Ramsey show once a month, because every passing month, it sounds like he dies inside more and more as time passes. Too many people that are really bad with money, and they always have some harebrained get-rich-quick scheme, usually in the form of something that would be reasonable if they had a significantly positive net worth.

>Dont build any credit. Just live near niggers and mexicans where landlords wont do credit checks. Oh and you wont ever be able to buy your own home either. Then make sure you give 10% of your income to church and never go places and do things for fun.

>>27298554
>*twitches*
I'm sorry, son, what?

>30k in savings before 30 to be top 1% savers
>10k bluechip
>Now I crypto

>>27296028
Buy guns or something. They're printing billions of dollars, don't keep more than a few thousand in cash.

Ok guys, what is a legit emergency fund in these dark days?
I have a job, most my money in crypto, no debt and some savings. 1k is too little, 10k seems perhaps too much. But my job could go away any minute thanks to Covid and finding new employment doesn't seem easy these days.

>>27295190
Nope!
https://youtu.be/mlpYAaS2Efc

>>27298691
I know it sounds kind of silly, and obviously marrying my wife was an expensive mistake. But I figured divorcing her as soon as I hit a networth of 20 mil and fucking Indonesian peasants would actually be a better investment long term. I'd cash out the western wife and the buy thousands of asian whores at a fraction of the price with my LINK gains. Thoughts?

>>27295190

i should buy one of each crypto in case one turns into 1k or 10k in the future

if it's just one i wouldn't be tempted to sell it

>>27299006
Legit? The few months of expensive meme he peddles is actually fine, you should have that for an interim of fucked up. For actual fucked up you should have moved to somewhere remote and started growing food yesterday, owned weapons, and tightened up your social network. In terms of money? Try and sell before everyone else.

>>27296028
Same. I have about $60k in my checking account. I could be gambling it away on robinhood or something.

>>27299287
Eh, 10k it is then. I never really knew or learnt money. Just neeted til I had a bunch.

>>27295190
Yes and I went 20x with on SHIB

It's not too late to get into thia, /biz/ we have been making lambo money in just 2 days. Imagine where we'll be in 2 weeks.

>>27295190
1k? Geez that's pretty week get a job loser.

>>27297089
Buy that $4,000 car, never mind it’s a death trap.

>>27299442
>have about $60k in my checking account.

Or just invest in low risk stocks that you know will still grow

>>27296848
90% of people have less or are net negative with debt

>>27297970
>get an office job at the office jobby job store
As someone who has only ever done physical labor how can I get an office job? Halp

I have 30K in savings but I also rent a house from the bank

>>27300356
I have a 8k toyota corolla, most reliable car i've ever owned

>>27300356
My 2005 Prius with 150k miles that makes funny spitting noises and has the check engine light on is still going stronk.

>>27300822
Auto GM in real life, the majority of $5,000 cars like he recommends are a terrible choice for someone on a budget. They’re better off leasing a new car $200/month. No maintenance cost. Don’t get me wrong, there are some winners out there in that range but most are just a headache.

>>27298334
Dave sir. I'm doing my best. I called the repo men on my third cousin removed ex's cars. What more can you ask for? I spent my entire check on rice and beans. I cant afford insurance and some IRS guy is knocking on the door everyday.

>>27295190
I literally just put my 1000 saving fund into AMC and went on a 2 and a half day meth binge . AMA

>>27301471
how are you going to kill yourself if you have no money? train? freeway? bleach?

>>27301608
suspension hanging

>>27301608
bleach cost money