/biz/ - Business & Finance

>>29240358
getting married

being born

>>29240437
most costly mistake in history for Bezos probably

>>29240358
getting married

>>29240358
getting useless college degrees without scholarships, eating out (over time)

Spending 100% of their paycheck with 0% invested. It can be a car, vacations, partying, whatever it doesn't matter. So many people don't save anything, much less invest anything.

Not buying Bitcoin 10 years ago

>>29240576
wasnt he the one who cheated though

>>29240674
This hurts so much to look at, how does he even cope?

>>29240358
Here in Denmark it's getting a driver's license (2k USD) and car (180% car tax) at a young age.
It's so damn expensive and everywhere is within cycling distance or easy to get to with public transport.

>>29240358
In addition to the guy in your OP, buying newly released cars.
A car should not have monthly payments that are more than half your rent. There is absolutely no reason to not buy an old (~5 yrs) model car that has been lightly used other than vanity and social pressure.
What are you, a formula 1 driver? "But this one has a billion horsepower engine" fucking WHY? When are you gonna drive over 120 mph? Just buy a car with good gas mileage.

>>29240358
do what /biz/ tells them

>>29240674
that's a pretty hard regret, but not a stupid mistake like buying a car for the sake of status

>>29240358
Sell at the wrong time

>>29240792
everyone should have a car. how else do you drive?

People who buy the typical suburban house despite not even planning on having kids (or at the very least a large family) because it's just what they were told to do or what they see other people doing.

You can buy a used modular/mobile home for like 80k-150k which is often more than enough room for 2 people and a kid.

>>29240358
Bars and clubs. Have you noticed that the more people pay, the more it's just like drinking at home but worse? Like bottle service and VIP rooms. It's retarded that people pay these insane markups to drink around smelly people and listen to shitty music.

>>29240984
infrastructure is different in europoor. I love living in north america but it's so fucking vast that owning a car is pretty much a necessity

$180k for college. Paid it off 6 months ago at 30 yo.

>>29240720
who gives a shit lol being cheated on does not mean you deserve to become the richest woman in the world for free

buying link

>>29240786
It's a common thing for druggies, I myself had over 500 btc at some point.
Now I don't even have 1.

>>29241173
They signed a contract and he broke it.
Simple as that.
Maybe should have signed a different contract.

>>29241004
Modular homes don’t appreciate as much as traditional stick built homes.

>>29241245
hence why it was the biggest financial mistake, yeah

>>29241245
this
>>29241173
cringe and bluepilled

>>29240674
Images like this make me very scared to sell

College.
>forced to go by my parents
>but it's okay because they're gonna pay my loans
>graduate and have trouble getting a great job
>trying to save up money so I can move out
>dad dies
>anon, why am I paying your college tuition you're not successful at all
>mom foists it onto me
>have to start paying it every month, draining my savings
>anon why are you still freeloading around the house
>mom starts charging me rent
>anon why are you still living with me, it's time to grow up! i'm kicking you out next month
>what do you mean you don't have much in savings, where has that money been going?
Should've become an electrician like I wanted.

>>29241173
>sign a contract
>make mistakes
>be punished
>NNNOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO

>>29241240

College man. Got a History degree from a pretty average institution. I'm alright now but I could of done literally anything else. At least I didn't get in any debt, just a couple grand I had to pay off a year after

>>29241287
If you're buying a home in the first place you most likely have no plans on selling it. 500k for a house bigger than you'll ever need is just retarded.

Holding chainlink during a bullrun
Being completely free of debt or margin when you actually believe something will 10x in the short term
Falling for boomer stocks and ETF meme

>>29241311
it's not too late to apply for electrician apprentice

>>29240674
Worse than even being a nocoiner and shitting on bitcoin in my opinion.
Hope he at least bought in on ETH early to cope.

>>29241058
I worked in a nightclub for 5 years, and its amazing how dumb/poor people cave to social pressure and get bottle service for faggots they don't even like. I guess poorfags never change.

>>29241394
Don't people buy homes and then sell then for more expensive homes in the future? Or when they retire they sell their homes and move somewhere cheap.

>>29240358
browsing /biz/

>>29241777
KEK approves, checked.

>>29241245
true but the state gives a ridiculous amount of power to women. its to the point where just being in the same room as one is a legal liability. my gf will never know my wealth and i will never give here any inclination of the kind of legal pressure she can exert on me

>>29240674
This poor nigga would be about to enter 9 figure hell if he had just held.

>>29240514
my biggest regret

>>29241806
...do you think the price of houses stay consistent...?

>>29240674
I tried buying bitcoin at $4 a bitcoin but i was on windows vista and couldn't get it to connect.
I was lucky i couldn't get any because i signed up to MTgox and we all know how that ended

I would have been rugged so hard

>>29241984
Women are like cars, depreciating assets that are best traded in for the newest model to ride around for a few short years before rinsing and repeating.

>>29241311
>mom starts charging me rent
Do amerigoys really

>>29241442
I can't risk covid for medical reasons unfortunately. I've basically been housebound except for grocery trips since the pandemic started.

>>29240358
I'm 40 and I still have the sports car I bought for 36k back in 2000. Now it has 700 whp and wins championships but its the same chassis.
L
I
V
I
N

>>29240358
This one always cheers me up. Any other great lost life savings stories?
https://www.youtube.com/watch?v=X6-T8fn-sCM

>>29241311
an apprenticeship and a college degree ia still a great combo anon, it's still a good idea. you can still go to be an electrician.
my dad had a college degree and did an apprenticeship for pipefitting and he made a white collar wage working with his hands doing what he loved

>>29240358
had a coworker once tell me he had the bailiffs round because he took out a loan to buy two of the latest iphones. He said he "needed" them,

>>29242322
You sound like a retard taking pride in a terrible financial mistake.

>>29240358
Selling early

>>29240576
oh no his divorce destroyed him financially....wait..

>>29240358
Getting a bachelor's degree. Has the same value as a high school diploma but puts you in debt.

>>29242151
i was downloading the btc blockchain and my brother told to stop since we only had 100 gigs of data on dsl. This is when btc was at $10. So I stopped.

I still hate that nigga for making me stop.

>>29242322
Rob?

>>29242481
If you think that's bad, try getting a PhD. It actually has negative value, because while it doesn't actually qualify you for anything more than a Bachalor's does it also excludes you from low-level jobs due to being "overqualified". Further, you'll get into more debt and then live on poverty-tier stipends for several years.

>>29240674

At least missing out means you completely missed out & not like this guy

Selling the bottom on the uni airdrop to get one ps5. It's worth $12k now. A twelve thousand dollar ps5.

>>29242318
Hey at least you have this nice excuse so you don't have to feel shitty about your situation nor responsible for it. I'd kick your ass out too faggot

>>29242413
I spend my weekends at the track having fun, I wouldn't change it for anything. The best part about the racetrack is there are no faggots or niggers like yourself.

>>29242183
feels good being a europoor sometimes, i make three times as much as my mother and i have to force her to accept my money, she won't let me leave either until i 6 quadrillion euros saved up

>>29240660
This along with OP. College is fine as long as you get a degree in something useful and aren’t a total fuck up.

>>29242481
I'm currently 25 and have trouble getting my bachelor's degree because I fucking hate it. But at least I'm a euro so I don't have to go into debt to study. I also live with my parents and invest every cent that I get from the state into the stock market.

>>29242710
same. didnt buy the ps5 but i sold at fucking $2.50. sold my 1inch at $1 too.
FUUUUUUUCCCKKK

>>29240514
>>29242068
kys tbqh

>>29242787
Sure bud, enjoy your delusional larp and try not to rope yourself

When I was 20, my paid off ‘96 Cherokee got crushed by a tree, and needed a car that weekend for my job. Since I’d never dealt with a dealership before I brought my mom with me to make sure I wasn’t getting boned by the dealers. I entered into a 60 month contract on a 11,000$ eclipse at 23%interest (no credit).
At 2 years or so in, I still owed basically the entire principle

>>29242175
cars dont take half your net worth with them

>>29242710
your mistake was wanting a ps5 in the first place

>>29242973
Take it from a car insurance guy, buying a new car (or financing any car for that matter) is a terrible financial decision and should be avoided at all costs.
Always buy used and always pay cash

listening to anything anyone on /biz/ posts, ever

>>29242559
I wouldn't hate him too much, everyone was scamming everyone out of bitcoins back at those prices, I was on /b/ making meme threads and the amount of threads saying if you send bitcoin to this address you get double back, people fell for it and lost their coins. chance are you would have put your coins on an exchange at the time, that got hacked

Lots of wallets on websites were getting hacked

>>29240358
Buy GME at $350

>>29241240
>It's a common thing for druggies, I myself had over 500 btc at some point.
>Now I don't even have 1.
See this shit makes me feel better about not buying btc at $10, when i found out about it when i wanted LSD freshman year of college. I eventually settled for grey area psychedelic RCs(some are actually great) early 00s tried dozens. I have one friend that did use silk road for weed but beats himself up over it because he had dozens at the time to buy drugs.

>>29241173
mfw the richest woman in the world did it by being a golddigger just like every other woman

>>29243334
I got exit scammed on cryptsy, btc-e, mintpal and a host of other o.g exchanges that these zoomers have never heard of. But here I stand many years later in 7 figure hell. Oh and my brother is not getting a dime of my wealth I still hate him for stopping me

>>29243599
Early 2010s*, i really wish the lysergic analogues were around then

>>29242774
I remember some NEET Anon years ago wrote a post hoping for some catastrophic collapse/event that would allow him to stop worrying about him not taking on any responsibility. I wonder what he is up to now that he has his excuse.

Thinking they dont have enough money to save or invest in something, even if they know to a high degree of certainty it will see stellar returns.

I've saved over $10k in the last two years and used crypto to grow that into over 50k. I'm on VA disability. I live on less than $1500 a month. I moved back in with my mom to take care of her while she had cancer. She died last month. But not before she saw me turn myself from a drugged out, suicidal, functionally homeless, post traumatic combat veteran into a loving and devoted son with a nest egg and a plan. I owed it to her to get my shit together, and I knew bitcoin was the investment of the century. She was just happy to have me around and be taken care of. But I knew she would want me to get better. So I did.

This is the single biggest difference between success and failure, and you can ask anyone: successful people can delay gratification. They can spend years living on nothing so that they can spend the rest of their lives in comfort. They put off buying new clothes, going out to eat, they live in squalor, and they save every dime they can without starving to death.

If you think you cant afford to save or invest, you're DEAD WRONG. You cant afford NOT TO. Make a plan now and stick to it. It will pay off in a big way.

>>29243658
Just buy him a nice watch and forgive him, that experience would have helped you in ways you can't see, maybe by not missing the next big break because you remember what happened in the past

Live and learn

>>29243633
Thankfully that won't happen to you because you can't get pussy, anon.

>>29242690
Currently doing the PhD I always dreamed of, in the last two weeks of crypto I've made 6 months pay, and I only started with $2000. Seriously making me rethink life

>>29244069
Everybody feels that way during the bullrun. Your feelings may have changed by this time next year.

>>29242690
>Further, you'll get into more debt and then live on poverty-tier stipends for several years.
Imagine paying for a PhD

>>29244069
Yeah I made more in capital gains since COVID than most PhD students make in 6 years. Twice as much, even.

>>29244208
People forget how times like this only occur once every three years in crypto

>>29243221
No doubt. I was pretty heated about losing the Cherokee because of this

I really wanted to buy eth when it was 100$. I even went to coinbase and made account and shit but then it started asking for verification and i started feeling i was being scammed somehow so i stopped. Fuck verification.

>>29243839
most based post on this entire website in its nearly 20 year history

>>29244241
No, I don't pay for my PhD, but to get into one I did a Master's first which I did pay for. And my PhD stipend is far smaller than even an entry-level salary.

>>29240358
460+400=860

minimum wage = $7.25/hr
7.25x40x4= 1160
1160x0.83 (taxes) = 962.80
962.80 - 860 = 102.80

Pic related manages to cover both car maintenance and all other living expenses on $102.80 per month.

>>29240437
fpbp

>>29243839
>This is the single biggest difference between success and failure, and you can ask anyone: successful

This guy is going to make it, with or without crypto. This is what it takes.

He may not make it fast, but I'd bet on him making it in the end over most people earning twice as much.

>>29244519
I'm not certain, but this may he the only kind thing anyone has ever said to me on 4chan. You are a gentleman and a scholar.

>>29244886
Oh wow two in one day. You guys have gotten soft. Quick, someone call me a nigger faggot, it's getting awkward.

>>29243839
based if not pasta

Philosophy degree. I now regret Not wage slaving and buying SOXL.

>>29243998
i guess I should do some reflecting on the matter. water under the bridge by now.

>>29243839
Congrats anon. I don't know you, but I'm happy for you and proud of you . I'm sure your mom was proud of you as well.

>>29240576
this reply is so dumb
you think such things that receive so much media atention weren't staged?
fucking delusional anon

>>29243839
screencapped.

>>29240358
Me, doing this >>29244191

>>29242067
Nobody is fucking holding for 10 fucking years, why do people keep saying this crap?

>>29240674
90% of people who "made it" from crypto by investing pre 2012 were not cutting edge, savvy investors who identified a great opportunity for growth they were degenerates who were looking to buy drugs or Trannies trying to buy hormones illegally online. They bought a bunch of BTC, spent most of them on pills, completely forgot about whatever they had leftover until they heard BTC mentioned on the news years later and realised they were millionaires.

If you bought BTC in 2010 as an investor you would have sold them years ago for 4-5 figures and you would have been delighted

>>29240358
Getting an MBA at a sub-top 10 worldwide university. Set me back for years, even if I didn't go into debt to finance it.

I'm way more than recovered by now thanks to crypto

>>29240786
https://twitter.com/gregschoen?lang=en

Dumb people are the grease of capitalism's gears.

>>29245243
Not pasta, but meme it or green text it to your hearts content, its true, and it's important. I have told everyone I care about for years to buy bitcoin, and so far only three have actually done it. The rest always make excuses for why they cant afford it, and I can't get this simple message thru their thick skulls. But you can be sure their dumb asses will be knocking on my door when the blow off top gets here. "Hey, man, are you still into that whole bitcoin thing?"

Nope. It's a scam. Buy amazon.

Fuckem. It's their own damned fault.

>>29242120
You're a fucking moron.
Buy home, between paying off principle and increasing value, you sell for more than you paid. With that money and whatever else you saved over the years, you now have a larger down payment for the next home. Or be smart and buy something cheaper and pocket additional money.
>t. Bought first house in the suburbs, sold it five years later to afford a better house and acreage in the country.

>>29245109
Fine. This nigger faggot is going to make it.

Take one piece of advice from an oldfag who make it the old school way, though: it still works. It's not the fastest way to make it, but it's the surest.

By all means keep having fun with shitcoins, but while you're at it, keep a steady DCA into VT and never sell.

>>29240674
>knowing about Crypto since 2010
>lurking /biz/ since 2014
>spend the last 6 Years paying off my House
>bought my first Crypto in 2021
Delete this post right now !!

>>29243839
congrats anon

>>29245336
She was. But then again, she was proud of me no matter what I did. I could have gone on a 12 state shooting spree and shed be on the news bragging about how many people I killed before the cops took me out.

GME and AMC. Got meme'd, got reamed. Good thing my 20k ADA stacks are making up for my dumb mistakes

also to others suffering the same, get into RVN and LOOM

>>29245753
Yep, it's called the property ladder.

> Bought first shitty rundown home for 100k with zero down during the '08 crash.
> Lived in house while fixing it up after work.
> Sold for $300k in 2012
> Took profits, bought 500k fixer in nicer neighborhood. Again, fixed up while living there in shitty, dusty conditions.
> Sold for $750k in 2016
> Repeat a couple more times, now live in $1mm house with no mortgage.

>>29240720
He was the one who got caught cheating, you mean

>>29241394
Not if you end up with more money at the end when you sell it. I bought my house 3 years ago and the value is up 25%. I looked at modular homes. Those homes are worth almost exactly the same today. Town homes have a similar problem unless they’re in the right area.

>>29240358
Try to “work your way up” without connections, skills, or an accredited education.

That bullshit normie brainlets believe that the CEOs of companies started as janitors at the same company.

>>29243839
when Dave Ramsey says this, he's cringe and bluepilled

>>29240358
buying rubic, reef, asko and not buying enough grt and ftm

ask me how I know

>>29245365
Go ahead and toss this in the screenshot for good measure. Best. Mom. Ever.

Pic related. I was 12.

>>29246238
He advises you to not take on any risk nor debt. Businesses take on debt all the time. They get their bailout/tendies from the gov, so should you.

>>29240358
Paying off my student loans quickly instead of leaving it in crypto and waiting for the nanny state to cancel them

>>29243022
Neither do mistresses. Don’t marry poor whores.

>>29246373
D’awww

>>29240358

>>29241311
Oh anon. That just means in her "Golden Ages" you get a little revenge and send that bitch to the fucking worst Senior homes in America. That's what I'm going to do. I will not take care of them in their dying age and when they die? Just going to throw the body in the streets.

>>29246391
Absolutely. If you can make gains over 20-30 years that exceed the debt, obviously use money for investments and pay the minimum on the debt.

If you can get it down to a low APR that is lower than inflation or close to it, you’re better off paying the minimum and makin gains

>>29246233
Your whole post sounds like you're angry at someone for not accepting you. Instead of wasting ten years of your life trying to be good enough for rich faggot assholes who saw you as the janitor or the bum from the start, why not seek out people who would -actually- accept you? Those people -do- exist and they WILL tell you everything you are doing wrong, so that you can stand on your own and help others someday.


Signed,
Someone who broke free from abusive powerful assholes

>>29243839
so buy XMR today and sit on it for 10 years?

>>29240358
Selling ETH at 11$ after the DAO attack.
So i would say FEAR, is what make people do mistakes.


The absolute mistake is being incapable of accumulating a small stack (10K$) for investing in your plans to life wage-free.

>>29243839
I really hope you make it

>>29246238
Dave Ramsey is praised for this. Dave is terrible to listen to when it comes to investing. MUH MUTUAL FUNDS WITH GOOD TRACK RECORD HIGH FEES 4 CATEGORIES I TOTALLY AM NOT BENEFITTING FROM ALL THESE RETARDS BUYING MY BAGS
Dave is right about debt though.

>>29240358
Chase pumps

>>29240649
>>29240437
Do you guys just not frugal women? Let me give you some examples of things my wife does that make marriage a good financial decision.
>frugal, excellent at finding best deals and only buying things we will actually utilize
>takes care of all domestic duties so when I'm home we have family time or I have time to pursue my side projects
>coupons, not like a crazy person but saves us around $1.8k a year by knowing when and where to buy and printing off coupons after making shopping list

These types of things free me up to pursue my financial goals while we maintain a strong family life. My wife was a borderline feminist with career goals when I met her. It takes work to make women see the myth of the happy career woman. If you can find one that already understands that women are happiest when concentrating on their children then you can make it work. I understand that type of woman is almost impossible to find nowadays, and I don't envy you young guys looking for a woman now. I understand how fucked up your life's projection looks like right now. I feel bad knowing it'll be even worse for my kids.

>>29246458
the lawsuit lost traction after the hearing so that's outdated

>>29240514
top kek

>>29246616
Where do these mythical people exist? Atlantis?

>>29246238
The thing you have to understand about Dave Ramsey is that his audience are drooling knuckle-dragging retards. Most of them are truly much better off doing what he says.

He does a lot more good than harm. But if you have anything resembling a clue about money, his show isn't for you. And that's fine.

I do enjoy listening to him yell at morons, though.

>>29246373
>>29243839
Kino and Based.

>>29243839
This.
Was a pleasure to read you.

>>29243839
>They can spend years living on nothing so that they can spend the rest of their lives in comfort. They put off buying new clothes, going out to eat, they live in squalor, and they save every dime they can without starving to death.
If you never had a bike as a kid but now have a lambo, you still never had a bike as a kid.
You have only one life, and if you waste your 20s and 30s counting pennies and eating ramen, you are going to kill yourself in your fancy mansion when you are 50.

>>29243633
She was with him even before he became rich

>>29240358
>mistakes
over trading and using leverage

>>29246725
Nice larp, but your wife is a whore who constantly sucks dicks when your back is turned anon. Get out while you can.

>>29241173
>he doesnt know she supported him financially until amazon took off
>she gave him a ton of white kids
>he doesnt realize this is the one case where it's actually the opposite
>he doesnt realize it was probably a business strategy to shield his wealth with the one person who understands his business
>they probably just got tired of each other and fuck other people

all those useless steam games

>>29246939
>>she gave him a ton of white kids
Wow give her half your billions now!

>>29243633
She was amazons first accountant and employee #10. Do you think employees #9 and 11 had good equity packages?

>buy used sports car using IFTTT looking for best deal 8years ago
>car is worth more now than it was 8 years ago

People say cars are bad investments, biz lied to me

>>29240358
Having lifestyles they can’t afford, particularly when young. Cars are the biggest waste of money imo. Like spending 35k on a new car is so stupid. Your car should not be like 30% of your income. Find a used car for like 2-5k and take care of it.

>>29243839
Damn, Tony Robbins over here

>>29246757
Tell you what, once you project the right frequency in your being, meaning, once you know what you want and which path you take, with conviction and faith, they (right friends) will pop up when you least expect it, negative ones will leave, a conflict will happen and brake bridges.


Humans are POWERFUL beings.

>>29245753
Depends where you live. In some places where the prices are too low your repairs/maintenance might exceed what it appreciates in value.

Mostly true though.

>>29241240
just like the first pizza ordered with Bitcoin don't stress it
These transactions were important for establishing Bitcoin as something of value
Bitcoin wouldn't be the same today if people didn't actually pay for things with it

>>29241240
MAKE THEM BACK.!
You can.
Get to work.


IT’S POSSIBLE.
Believe it, work on it, you will reach it.

>>29246834
I'm pushing 50 and this is bullshit. You don't need money to have a great time when you're young. I was broke until well into my 30s until I got my shit together and did what this post advises. Only took me a few more years to make it after that, and as a nocoiner.

Now married, 3 kids, net worth low 7-figures. I made it the old school way. And life is better than ever.

>>29242799
checked and based

>>29246616
Of all the posts in this thread to accuse of being seething cope, you pick the one objectively correct one
>>29246233
isn't even saying anything controversial. Saying that only those with "skills" succeed is borderline tautology.

>>29244069
Everyone's a genius in a bull market. Don't get stupid thoughts and focus on getting a real career.

>>29246834
I spent my twenties and thirties wanting to kill myself while spending every dime I made on booze, weed, and women. Including the psychopath I married. I'm pushing 40 now and in 5 years I'll be retired. Cope harder.

>>29240437
>getting married
it's the best investment if you do it right. Mother of your children, constant companionship through good and bad times. Continuing traditions that ensure the long term success of your family for generations. Happiness

>>29247117
where can I learn about this

>>29242318
I don't know what's wrong with you but I literally only have 1 lung (well like 1.25 of them) and I spent the first few months of the pandemic terrified hiding out in my house. Then I got covid anyway somehow and it wasn't really worse than any other respiratory illness I've had. I think it's really only dangerous if you're pretty sick, you weigh 700 lbs or you're 80 years old. Not saying you shouldn't be concerned but I thought it was going to be the thing that killed me and I got it and basically nothing happened. If you've been going to the grocery store and stuff you might have already had it and didn't even know it.

>>29243839
its for you anon

>>29247503
It's a lot like crypto. High risk high reward. DYOR for realz.

>>29247503
Exactly. People just have to choose the RIGHT person

>>29242322
That's the dream

>>29242322
Let me guess: F body camaro/trans am?

>>29240804
used cars are becoming nearly as expensive as new i've noticed.

>>29247756
Marriage is on par with choosing a college major, MBA or other postgrad degrees. Crypto is generous, it gives you opportunities to make your money back.

But divorce breaks people and choosing the wrong career makes people unfulfilled for the rest of their lives

>>29241240
The first pizza order with bitcoin is now worth 600 million USD. Who cares? At that time it was something completely different. There’s always a ‘what if I’d kept it’ scenario but there are an infinity of what ifs like that in life. I wouldn’t beat myself up over it.

>>29241245
based

>>29246834
its all relative my dude

>>29245359
take your meds, schizo.

>>29247348
I worked at a retail store and like 40% of my co-workers thought they’re going to be the manager making 100k. The manager had an MBA and was a CEO/COO at various mid-to-large companies since he was 30, he just became a 100-150k a year manager at 65 because he was bored not hurting for cash. He absolutely did not know anything about the stuff we sold, did not matter.

But the many people I worked with as a cashier insisted “one of these days Im gonna run this place”. Even though it was pretty clear they had a hard requirement for an MBA to manage the place.

>>29247011
he owes her in this ONE case for carrying him while taking a large financial risk, working, and raising kids. you also ignored every other point I stated in the usual brainlet fashion.

>>29247147
Completely agree, you need to know your market. I live an hour from a major metro area, 10 minutes from a capital city, 20 from a major college town and an hour from three other decent sized cities. My house will appreciate.
Some friends tell me about buying their $75,000 home in a town of 5,000. It's nearly a century old, needs quite a bit of work, and when they sell it will maybe get $85,000-$90,000 for it. Not worth it as an investment.

>>29241918
Are checking yourself?

>>29248260
yeah he is

>>29247933
Divorce and getting the wrong degree are also recoverable (just ask me with my useless J.D.), and crypto has broken many people anon.

>>29240514
You get born, you keep your head down, and the you die.

If your lucky

>>29240358

>get scammed by "friend" of 4 years for $50,000
>lease a 2016 sports car which cost $1200 a month after insurance+parking+gas+payments
>rent

I'm $500k net worth now, but still it sucks

>>29248381
It's far easier to recover from mistakes in crypto unless you really are a next level retard

>>29242325
Greedy faggot deserved it.

>>29240358
Browse /biz/

>>29245882
I started last year and I’ve been on this board since eth was a fucking .60 cent stable coin

>>29240358

>>29240437
fpbp.

Second would be gambling more than they could afford to lose. That GME fiasco is a good example, there were numerous stories of idiots putting their life savings into something they didn't understand for memes or desperation.

>>29247503
Agree just spouses like that are more difficult to find because some (((people))) have ruined the culture

>>29242973
you'd have been better off going alone even though you were scared and just being a dick the whole time.
Never bring a woman with you to the dealership. Maybe to pick out the car, but she needs to leave when it comes time to talk turkey. The problem is you have to lie/spin a little bit to get the best deal. And women will instinctually call you out on it. They can't help it.

>>29248494
Tell us about the scam??

>>29246936
I'm not a delusional man. I understand women. It wouldn't surprise me one bit to find out that's true. I have a plan for that too. I struggled with alcohol and pills and life in general before I got my and my wife's shit together. Life sucks but if you don't try and maintain some sort of optimism then what's the point of living at all? Nihilism is a phase some of us never grow out of. We are not women, friend. We don't have to allow others to control our happiness.

>>29248494
>>lease a 2016 sports car which cost $1200 a month
Jesus Christ. That's more than the principle and interest on my mortgage and getting close to my overall payment.

>>29242973
>>29249085

I work at a used car dealership and I can tell everyone straight up there is no way to 'win', they wont sell you a car without them making a fat stack (obviously), every deal is loaded with tat and expenses designed to be haggled down by the customer so they're always on top while people think they're the boss for negotiating the admin fee away or some shit. The best way to buy a car at its genuine value is to buy privately.

>>29246936
P.s. never kill yourself. That's what they want.

>>29249315
How much did the dealer buy my 08 Ram 1500 from the Canadian auction for?

>>29247544
You already projecting with your mind. You dont need to learn this, you are already doing it.
You just need to calibrate your being:
- imagine yourself with all the money in the world, then see what you could do in this world. (No material things since you have them all hypothetically), once you find exactly what you would do, and make an exhaustive list of what you would do in this hypothetical world, that list will constitute what you dream is.
- after that, make a list of the WHY’s. Why do you want those stuff ? Why do you want that life ? Write at least 3 pages of the why’s.
- set a set date about when you want to achieve this.

This will calibrate you to know what is your dream, and set you forward to project it, through your being, with conviction and faith since you know the WHY’s.

Last thing, anytime you have take a decision ask yourself this:
What the BEST path to take ?
Describe this path and TAKE IT, that is what your soul wants you to do to accomplish YOUR personal LEGEND.

Godspeed.
Walk with faith even in hard times, nothing can move your conviction.

>>29249467
Depends on the mileage but probs at least 35% cheaper than whatever you paid, If you have a way into to car auctions you can buy them at their actual value. I got my own shit bucket car for £450 after it came from auction which we were originally planning on retailing for £850 kek

>>29242325
>Keeping $500,000 on a 3rd rate shady exchange

>>29249315
I bought a car from a dealer and later became friends with a guy who worked there. He quit because he didn't want to be as scummy as they were. There was a little network of ex-employees that had quit because of the mistreatment and taken shit with them when they left. Normally you had to pay $125 just for a diagnostic test and then a $125 appointment fee when the parts came in, etc... They were the only computer within 60 miles that could read VW codes. These old employees had so much crap they'd run diagnostics for free and fix them way cheaper. I don't know how much they cut into their business, but I know they were pissed.

>>29242481

Nah. A bachelor's is good to get your foot in the door.

You literally cannot get a job for less than mid $40K with a bachelor's degree.

$40K isn't anything to write home about but its a somewhat livable wage until you find something better.

After getting my bachelor's I've been increasing my yearly pay by 15-20K every time I get a new job every 2 years.

>>29240358
Buy XRP

>>29249694
Spent $9300 on it but knew I had to do some work on it. Replaced the radiator and power steering cooler myself, one of the pulleys on the drive belt path was gone, did that. Did the egr valve.
Took it to a shop along the way and they see the struts were completely destroyed. Got the dealer to pay for half of that. Happy what I've learned but hope it doesn't get worse.

>>29240984
why, every cuckpod habitat is in walking distance of a omnicuck stop where you can board the metal cuckbox together with 40 fellow eurocucks (about 20 of them will be black) and ride it to your open plan office

>>29247503
Gaaaaay

buying avax. selling avax, rebuying avax. getting ancy to make my first xwhatever, rebuying, went from 1650 to 1300 before cashing out at 45, even when i had the phone in my hand watching it hit 60-70.
learned a lot last month.

>>29246725
>your wife used to be a feminist (aka slut)
>she saves you like 5k a year on stupid shit
great investment bro

>>29249607
Thanks fren

>>29249315
I only got my car from a car dealership cause Chevrolet are out of sale here in Europe and they guy wanted to get rid of his last one fast for a good price
But yeah privately it's better, I'd rather take the risk of some malfunction than spending more than the value of the vehicle

>>29243839
DUDE JUST EAT RICE FOR 15 YEARS LMAO

>>29243839
BELIEVE ME BRO, EAT NOODLES FOR 15 YEARS AND THEN YOU WILL HAVE 40K!!! YEAH DUDE, 50K ITS SO HUGE LIKE I COULD BUY A TESLA IMAGINE

IM SO GLAD FOR THE NOODLES I ATE AND MY MOM'S DEATH IN MISERY IT WAS REALLY WORTH IT

My biggest mistake was paying off my student debt. My first two years of wage slaving money was blown in one fell swoop on my student debt. My family and colleagues all thought that was a great idea, but then again they don't invest. If I had just invested that money I would be 10x by now

>>29250625
Everyone has gone through this. Don't beat yourself up.

>>29250942
You can't buy happiness. What are you even trying to make it for if you don't enjoy it?

She was a "feminist" in theory like women would call themselves without doing anything about it. Even in the mid 2000s when we got married most self identified feminists were fairly normal women who thought it was a cool thing to be. They didn't dye their hair and use tinder. Only the turbosluts used the real scummy sites to find dick. If your girl wasn't out partying her ass of she probably never slept around. Even if she did the sheer numbers and degeneracy were nothing like today. The world has really lost it's sanity, because even back then that should be considered insane.

>>29241311
I don't understand how parents can do this shit to their kids
if I had a kid I'll do everything in my power to set him up for life by teaching him the basics of finance and I would not let him fall into debt or owe me money or any of that shit
my parents are the main reason I get to fuck around with crypto and I'm going to take care of them when I cash out

>>29242068
>5RRRxKeK
aesthetic ID

>>29241173
this

whoever makes the money gets to keep the money, if they allow no fault marriage they should allow no money divorces

>>29240984
I live in the second biggest city in the country. Getting around the city is faster on bike or by bus than by car. Travelling out of the city is just as fast in a train as in a car.
Only real benefit to a car is if you live in or visiting someone living in a rural area.

Kids absolutely need to be kicked out at 18. It teaches them to be independent and how to manage all the different living expenses they'll be dealing with for the rest of their lives. If you let them live at home they're gonna have alot worse problems than money problems, they're gonna turn into stunted manchildren with poor work ethic and social skills. No good parent would allow that to happen to their kids. But since losers like that are the main demographic of /biz/ I'm not surprised everybody here feels entitled to mooching off their parents who already spent 18 years paying for everything you ever did. My parents moved out at 18, my grandparents moved out at 18, I moved out at 18, and my kids will move out at 18 too. That's just how it works.

>>29241245
True

>>29252426
Most parents are retarded and believe the world is the same it was in the 80s

>>29241311
gun her down seriously
she's getting stretched by BBC in your dad's house

>>29241311
Damn. I’m sorry anon.

>>29247033
>amazons first accountant and employee #10
meaningless
t. started my own business

Be in the future
>1 bread is 0.0000001 BTC
>You go to buy bread
>Elon Musk tweets about BTC while you are at paying the robot cashier
>Suddenly you got 5 breads dropped in your basket
>Elon Musk = Jesus

Now imagine this is the ultra super duper cool future. Yeah.

>>29254645
Fucking kek. Saved.

Lease cars,don’t buy them retards. Lease what depreciates, buy what appreciates.

t. Multimillionaire, 2x retired

>>29252927
0/10 your children are nothing but goy fodder

Only buy good real estate and certain watches, invest everything else

>>29241173
>deserve
What in the living fuck has this EVER had to do with being the richest person in the world?
Anyway divorce payouts create legal obligations to liquidate assets which covers insider activity. The Exxon execs did it too, Jeff had liabilities that he could only identify as such from insider knowledge, that it would have otherwise been illegal for him to part with. The rest is political theater.

Waking up at 2am in January and not converting my eth stack to btc when it crashed to 28k for 10 min. Had the transaction open and all, fell back asleep.

>>2924131lo
Im sorry for you. I moved back in rent free with my parents. I don't freeload. I bought most their new appliances over the years and I do almost all chores for them giving me a chance at buying a house without a mortgage. They don't ask me to do anything. I do it willingly because we lve one another. Most people who find out won't even let me explain my situation and as soon as they hear I live with my parents their eyes glass over and think I'm a leech.

>>29254841
> spend just as much as you would on a normal car and end up with 0 equity instead of half your original investment
I can see why you needed to come out of retirement the first time

>>29252927
The wealthiest families in the world didn't get that way by stunting their childrens future for pride. They got that way by combining assets and knowledge into a multi generational estate. Splitting up the multi generational house is the Jews boldest tactic for keeping the goys in line.

>>29243633
she could have been a gold digger if she wanted she took what Jeff want to give and didn't raise a fuck

one women she is good in my books

Not buying Rubic

>>29252927
>>29255381
>>29256698
Reposting this, could help someone...

>>29240358

Going to the food court and getting a pizza slice or chinese takeout every day.

>>29251339
>>29251437
Fat guy detected. I bet eating addictive and unhealthy foods means more to you than making it. You probably have to lift and spread your ass cheeks to wipe but consider it too much effort and so don't bother to do so.

>>29257122

This was very eye-opening. Its no wonder they continue to empower themselves while everyone else flounders. Thanks anon.

>>29247033
She got the Bezos special package. Though I suppose you would have to ask her if it was any good.

>>29243839
>tfw you try to do this and your life consistently spawns disaster after disaster to make it impossible by draining all of your savings constantly year after year
Man, I don't even have furniture...

>>29257122
Thanks anon i wish i bought a house in Vancouver for $250,000 in 2001 after 9/11.


Now the same house just for land is 2 million easy

>>29254256
imagine lucking out on that job posting
>we need to get these accounts settled NOW
>You will be paid equity and $10/hr (perfect for college students or recent grads)
>with our 9 staff members we will likely not interview rigorously
>high stress :cringe emoji: BEWARE
>get there
>do the same work as every other accountant
>10 years later
>your equity that you weren't paying attention to is worth 100 mil
jfc what a life.

>>29252927
Not gonna lie you sound like you're disappointed in yourself, like you wanted to be something but instead became something someone else wanted.
I was pretty much on my own after my parents divorced each other, when I was 16. Truly the worst years of my life, stopped seeing any of my family members, lost all of my friends I made in my hometown, moved to another city, was essentially homeless for 6 months and a whole bunch of other dark shit.
Suffering doesn't make you a better person, it usually makes you into a very mean and unlikeable person.
You seem like someone who has suffered a lot.

>>29247058
Either you never drove it or you just got lucky with maintenance costs. Wath car is it exactly?

>>29245882

Hold, and wait. Soon your position will make others mad. I came in last year at 7K, they laughed at me then, now nobody is laughing. Even when I baught more at 26 near year end.
Guess what I did when it crabbed at 47K I fucking bought more.

Hold, and you'll make it, buy more whenever you can, and hold. Play with alts if you want a higher risk reward....but always hold BTC.

it's that fucking easy.

>>29246233
Promotions are a meme. Build your qualifications then leave for a better position.

>>29252927
that’s cool. what are you doing now?

>>29257742
or he just forgot that inflation exists and that 10K in 2010 equals 12K in 2021 dollars.

>>29245464
>Nobody is fucking holding for 10 fucking years

trusted banks

Started doing coke.

>>29257556
>>29257625
Just remember that a good marriage is the foundation of all this.

>>29247058
/biz/ is full of retards.
Just keep everything stock

>>29240358
Being a minority. Almost a guarantee you will have bad credit and will forget to pay any bills on time.

But alteast you can blame whitey for your problems.

>>29241240
>Be an opiod addict for the past 15 years
>Still have the majority of my crypto stack
God is good

>>29242175
Normalize killing r strategist

>>29240358
underestimating the importance of compound interest in the long term. Not just with money, but life skills as well.
The current culture of instant gratification is doing a lot more harm than we want to admit.

>>29258898
Humanity defies the S and the J curve thus far.

>>29252927
yes goy, kick your progeny out so they can pay me, i mean the landlord rent
muahhahaha

>>29242318
i felt bad for you but now i feel bad for your mum

>>29241311
you DONT have to pay your loans, just dont what are they gonna do? Garnish your wages? oh wow 20 dollars a paycheck who gives a fuck. Don't pay if you are paying over 20 dollars a month for your loans. NOTHING FUCKING HAPPENS. What u need credit (jew scam) no you dont...

>>29242318
Covid is a nothingburger and you know it. You're just a lazy bum.

listen to /biz/raelis

>>29240674

Will never forget calling people gay and retarded and calling them buttcoins 8 years ago on this very board when it was $100 and we swore it would crash any moment

>>29246091
Sharp learning curve, ouch. How old are you? Just asking. I'm glad I didn't have access to capital until my later 20's.

>>29242318
only you are limiting yourself

>>29243839
>Waste the best years of your live living like a monk so you can be a rich old boring depressed prick in a fancy house

Mfw

>>29243839
Rooting for you, loving your parents is what good people do.

>>29258680
Leave that shit at the door. We're all here to make money together.

>>29240358
Letting jews alive.

>Not investing
> Going to University for anything other than STEM
> Not learning a trade if you can’t do STEM
> Not saving money from day one of your job
> Getting a girlfriend and not psychologically beating her down via attrition until her mind submits to you
> Getting a girlfriend and forgetting your purpose which is your work and career business
> Getting a girlfriend and spending money on all the retarded shit women want to do instead of controlling that nonsense
> Having kids
> Having kids and getting a wife
> Buying a house and locking yourself to one location
> Not studying further and getting certifications so you make more money to invest
> Not networking and speaking to people
> Buying expensive cars, living a generally expensive lifestyle on a salary
> Lacking discipline and spending built up savings
> Travelling anywhere other than wherever u can go via car
>Staying at one company too long
> Blowing money on clothing
> Nightclubs
> Women and dating multiple women( Retarded)
> Keeping friends who don’t have purpose

Many more
>

>>29241245
Absolutely cucked

If your future children have to wageslave or run in the rat race you failed as a parent

>>29243839
WAGMI

>>29260690
>Getting a girlfriend and not psychologically beating her down via attrition until her minds submits to you
God knows I tried, luckily she left me for... religious reasons kek

It's a good feel to be single in alt season

>>29247931
Learn to suck off the dealer, by force if necessary, then bam, you've got yourself a blackmail.

>>29259926
25. Funny how I only got into crypto around Feb 4

>>29243839
Genuinelly grateful, goodwilled people are a blessing
YAGMI anon, hope you know that

>>29252927
This whole leaving the nest thing is a recent development in human history and only serves to enrich the bankers. Just because you come from a line of morons that can't teach/be taught personal finance doesn't mean the rest of us should send our children out into the world financially handicapped.

>>29246725
>coupons
you literally cannot buy a single healthy thing with coupons. prove me wrong.

>>29254734
What was it?

>>29246834
I can smell your foreskin breath from here

>>29247101
im 22 and the amount of people my age with audis and bmws that work low income jobs is crazy.
Im happy with my 1.4 trusty economical 1.4 honda civic

>>29256046

>>29240674
>because theres no way that guy could buy back in at 10 and trade it ever since

>>29257892
>image
Fucking wholesome

>>29261930
>audis and bmws that work low income jobs is crazy
ask me how I know they're either in ridiculous debt or on a shitty leasing plan

>>29261545
Yeah, I bought a sports car at 25 so in a way I made the same mistake. You'll look back in laugh. Just don't forget to take profits from crypto.

>>29258702
based and constipated-pilled

>>29262157
Yeah its pretty stupid, its either that or rich mommy and daddy.
Guy I work with is on £24k a year like me and drives a Audi.
Like man if I was driving that would be 1/4 of my salary on that car. Just goes to show how some people care more about looking good than growing their assets.

>>29262158
>Just don't forget to take profits from crypto.
even if all my coins are long term? I plan to wait literal years while adding to my stack unless its too late like GRT

>>29240358
betting on that jesuit puppet trump

>>29240576
she wasn't man enough for him

>>29260690
Good list

>>29242318
you are your biggest enemy. not your parents, not your friends, not the jews. just you.

>>29261780
My mom got paid to take ground beef once because it was on sale and she used a coupon. Don't know why she didn't clean them out.

>>29240674
the eternal pink wojak

>>29262309
I have long term holds I don't touch and a few shitcoins I swing just to stay engaged with the market and take consistent profit.

>>29262720
Gotcha. Thing is, I only know Dogecoin to swing but now that the coin's dead in the water, my only time to swing is during the weekends

>>29241058
Bars are such a waste of fucking money it's unbelievable. I only go to bars now when I have an old friend come back to town or on special occasions.

>>29257742
Aside from blowing the diff and axle (probably my fault) just standard maintenance. Not too many were made and they aren’t retard proof (ap1s at least) so many people crash them right after buying so it is pretty slim pickings

>>29240437
What?? My finances have gotten exponentially better since i got married. Yall are naive and it shows

>>29263062
Based fellow s2k fren.

>>29240358

There is only one mistake. Thinking in terms of possibility rather than probability. All other critical financial mistakes come stem from this.

College students look at salary ranges rather than probability of actually getting the job at that rate. People fear the possibility of getting audited and will fail to even claim legitimate deductions. They fear the possibility of investment losses and buy CDs. They buy national lottery tickets because the possibility of 400 million is so much more enchanting than the local lottery at 5, even though 5 sets them for life.

Every mistake stems from this. If you consider the probability over the possibility all people will make better choices overall.

>>29260690
>keeping friends who dont have purpose
but anon my friends are nice and will be there to talk to when Im older! As long as they don't make me spend money or abuse me

>>29253222
Based truth and checked digits, when I tried to open my business my dad was trying so hard to force his wisdom on me because he had one in the 70s that didn't go well. Not even financial advice or his experience but how the business laws work in our country and he just wouldn't believe me when I told him the laws are different now. Took him 5 months to accept that his hazy knowledge from centuries ago doesn't apply anymore. It's an entirely different sector too. They just want to force their "wisdom" on you.

>>29258179

>Pets.com investors.

>>29263212
wow I never thought about the local lottery, thank you anon can't wait to try my luck

>>29263062
just saw a nice dark blue one on the way home that looked pristine.
Good taste. This car in good condition will be worth millions in our lifetimes.
>they don't have Sunday cars and daily drivers
lmao, lol

>>29263090

You are one of the incredibly fortunate ones. Worked out for me because I couldn't have gotten my home by myself in 2011.

Most all women will spend every cent they can. When it comes time to invest they get ridiculously panicky and want guarantees. They see a 2% intraday swing on a minor balance of 25k and think "We just lost 500 fucking dollars today". They never appreciate the gains either.

I have a skyridge charizard and was told I should sell it at $250, $500, $1000, $2,500. It's up to 25k. If it were to ever from she would say "told ya you shoulda sold".

It's just how they are. They can keep you from doing anything too retarded at least.

>>29246725
Happy for you anon, the as a 23 yr old man, the prospects are decimated thanks to jews. Each girl has slept with 30+ guys MINIMUM, many have 100+ by the age of 21. You have to walk around eggshells with them, why? Because they have infinitely more options than you do. They can hop on a dating app and get HUNDREDS of guys willing to buy them dinner. The top 80% go for the top 15% of guys, as a man in the top % of men, I feel the pain of those not able to get laid as easily as I can. It has turned me sociopathic and narcissistic that all these women only like me because I’m good looking and have money. I fucking hate women. They will drop you off a cliff in an instant if they find a single thing they don’t like about you. Theres never been a moment in time where women have as much power and control as they do now? What’s happening? Men suicide at all time highs, men dropping out of society at all time highs, men addicted to porn, video games and drugs. Most women let me fuck them right off the first date, how the fuck would you ever trust them after that? I’m a hypocrite though because I’m a manslut, but I feel like it’s my duty to slay for all the guys that can’t do what I do, simply because women are vapid whores who only care about a select few things. All women are whores.

>>29263634
>Most all women will spend every cent they can. When it comes time to invest they get ridiculously panicky and want guarantees. They see a 2% intraday swing on a minor balance of 25k and think "We just lost 500 fucking dollars today". They never appreciate the gains either.
The wisdom here

>>29263498

Not sure if that's sarcasm but it's a lot better than you think. The progressive in my state becomes +EV once or twice per year. I buy $50 per +EV drawing at the bingo place run by my local boys and girls club so they can paid for the sale.

If you are going to buy a lottery ticket and your can choose between "set for life" and "So much money they grifters and assassins track my every move" you should probably go with the one with the better probability.

>>29263898
not sarcasm, Im sure 10 bucks is an ok investment every now and then. I make more than that in a day trading crypto and stocks so a little bit more risk for reward would be a good way to make money. Im also living in virginia so I might not have a hard time winning every once in a while

>>29240984
I live in a country with amazing and cheap public transport, 25 and never had to drive anywhere, never had a problem getting anywhere. I also walk a lot because I'm not a lazy fuck.

I'm also extremly grateful university education is practicly free in my country so I got my Masters degree for extremly cheap and I'm now getting paid to do my phd in a field that brings me genuine joy and fullfillment while also making good money from crypto on the side. Ameritards are true losers, thinking that just because your education system is fucked that education in itself is worthless.

>>29252927
Terrible post

>>29264620
Why did you have to bring down the quality of your post so sharply at the end?
Negativity like that is never healthy.
All the best on your PhD.

>>29264037

Just checked, your lotteries are kind of shit. My state had a progressive where it starts at a million and increases as the pot isn't won. You don't have the same strong yolo/set for life plays, the payouts are flatter and no progressive.

Still applies though. Even if a million doesn't cut it you just take that million and stake it all on a superbowl outcome. You still end up 20x more likely to be set for life.

One thing you can do is look at the scratch cards. There is a set print run for these and you can run numbers to determine if the remaining cards are heavy or light based on what had been claimed.

https://www.valottery.com/scratchers/1895

For example, there are about 14% of the minor prizes remaining and 33% of the jackpots remaining. You can put these into a spreadsheet and calculate ev. Right now this card is right around a 1 in a million to hit 7 million. Can't be fucked to calculate the rest of the EV for you.

>>29264822
To be honest, you're right. I wish americans who are struggling to find happy ways of living as well. Namaste as bitches would say.