/biz/ - Business & Finance

I spent my entire life savings on GameStop last year

I’ve made minor mistakes along the way. Should have taken profits more often, negotiated pay, and switched jobs every few years.

Sure if I did everything perfectly I’d have 8 figures, but I can’t complain about where I’m at today.

We can only move forward. Regretting the past is the biggest meme to fall for.

>Treat women just like you treat your friends don't worry bro just chill it will happen
Biggest meme ever.

Of course I ended up as a near 30 year old kissless virgin.

I'm currently getting help from a gov worker to try and find a job so I stop being a neet. He send me a list of companies and orgs he contacted who want to have initial talks. These include banks, insurance companies, orgs dedicated to train you in IT and since there's a worker shortage I have decent chances of getting in somewhere, but I have no idea what kind of job isnt soul crushing and what I even like.
I'm an INTP-t, 130IQ (real score, not an online one), chadlite (if that matters), low confidence, depressed, demoralized, 30yo in western europe. Thinking of going for a gov job if possible and just enjoy the pay and low stress environment.
What life/wagie traps should I look out for bros?

>>52651680
>Which meme did you fall for that financially ruined your life?
I married a woman at 23 and divorced at 28. No kids luckily, lost everything though.

>>52651775
Please be trolling

>>52651884
I'm down like 30k and financially ruined

>>52651680
None.
Didn't marry highschool sweetheart.
Didn't marry.
Didn't buy a starter home.
Didn't buy a new car when needed.
Didn't finish Univesity Degree.

Worked for Google, Microsoft - currently have own LLC with 3 clients that exceed 700k in gross revenue, debating about taking up a role again at Google or such just because it's easy work.

I always liked math, programming and general ecomm, but I've never been autistic like most people on here.

>>52651786
Everyone has, if I kept my 500+ bitcoins that I fucked around with back on mt gox days and didn't use it to buy drugs I'd be done for life.

Drugs were good though, what a time the early and mid 00's. I really am going to hate when they make a tv series that tries to recreate the late 00's and early 10's.

I wish for that kind of life again, personally, being in 30's now isn't bad, but, I don't do risky things anymore even though my ADHD helped me get me where I am today by taking risks.

Sigh

>>52651680
This >>52651817
and I almost fell for the college meme, thankfully I saw the price and my inner jew told me to back out

>>52651868
>No kids luckily

>>52651868
How did you lose everything and not have kids to pay for?

>>52651918
What programming languages do you use??

>>52651855
im 135 iq INTP with mechanical engineering degree and i make 90k a year with 3 years experience it's not that bad. Not that the code meme is dying engineering remains one of the most stable careers

>>52651680
clean your plate, anon
continue eating despite being full or suffer the guilt

>>52651680
BTC will go to 100k-1mil

>>52651955
Kek
>>52652023
>marry foreigner
>buy real estate in foreign country
This

>>52651918
We always long for the past. Chances are 10 years from now you'll be wishing to be in your 30's.

>>52651918
Could you please give me some tips on starting a business as a software developer? I graduated college 4 years ago, been working full-time as a software developer since then. I like programming and I like the company I'm with right now but I want to eventually run my own SaaS business, or start a consulting firm if I am able to develop a niche that big clients will pay top dollar for.

I don't know jack shit about business, marketing, sales, or anything other than programming and devops stuff. Could you recommend me a starting point for learning more about business?

>>52651680
Never fell for any memes. My shrimp farm business gave me everything.

>>52651680
I’m only 21 so don’t really have a card to play here but I’ll say what has caused me grief and fucked me the hardest thus far. Getting into a 2 year long relationship and letting myself get guilted into staying with her. I love her a lot, but I’d be 15K richer and have less stress. We have to share a car which I wouldn’t have to do if not for her and we both work, so gas and maintenance is sky high. It’s taught me a lot, but really knowing what I know if this relationship faulters, not only am I not dating, I’m not even going to fuck women. Not for a long time anyways. I find them to be a waste of time and something men prioritize far too much. But that’s my thing. Hardly a life fuck up yet but it’s been something that might have hit me the wrong way. That and selling my shib for a couple thousand profit. If I would’ve held I’d be worth a little over 3 million.

>>52652237
No way it’s shrimp farm anon. Did you ever get back at your neighbor who used pesticide or some shit?

>>52651680
O o, me: Become an outgoing person

I'm a weeb, and people pushes me to start going out and hang out with them. At first it was fun, talking bullshit and what not. Then i realized we always hang out sitting on our phone, unproductive. My sleeping schedule starts being fucked up, my works are undone, missing mumus and bobos calls, and shits got very serious when they starts talking about progressive politics they knew nothing about. One semester wasted doing fuckall on expensive cafes that serves shitty coffee

Safe to say i go back to my otaku circle, and they greet me warmly through our discord channels kek

>>52652296
Yeah poisoned his dogs with shrimp.

>>52652093
i dont have it in me to go for a degree, at most some parttime/internal education through a company

>>52651680
You're just a lazy fuck anon.

I went to state for engineering and graduated with a 2.6 in 2015.
>170k + benies ~300k total
You take your bosses crap and deliver garbage as some kind of sad revolt.
You're the meme anon.

>>52653199
must have been software engineering

>don't pay for gym Jew, lift weights at home!
The work-home-gym schedule worked great and I lost all gains after ditching paid subscription. I haven't touched my dumbbells in 2 years.

what kind of retard engineering did you study? im 24 and make 170k wfh doing basically nothing (computer engineering degree)

Ethereum merge and "flipping" btc marketcap memes. Eth is a scam

>>52653223
No.
Literally assembling a circuit board I designed right now.
>pic rel

>>52651680
posts like this don't make me too interested in job hopping out of my weird telecom position right now since I make like 70k doing GIS grunt work from a WFH position with a degree in mechanical engineering...I mean yeah i could job hop but I'd probably be right back where I started. need to really learn to code at least since I would like to increase my salary sometime in the next few years since I'm thinking I'm gonna get stiffed on raises

>>52651680
I went from 65k to 160k in just under 5 years. Software dev, btw.

>>52651680
I don't know how to spell this out for you as if you don't understand career progression and upskilling you were destined for a lemmings life.
>study engineering
>become junior engineer
>engineer
>study project management part time
>manage projects I.e. the people who work on the projects as engineers
>salary 160k + bonus.

>>52651680
I fell for "debt is bad meme" Every year apartments are going up in price by rougly the amount of money I save. If I bought an apartment 10 years ago with mortgage I would already repay half of it (no rent too)

>>52653370
that's the one debt you nobody advises against.
you shouldn't buy stuff like cars on debt

>>52653380
My family is financially illiterate so yeah.

>>52652119
Oh damn what country?
Why don't you have the property? In her name?

>>52652273
2 years isn't shit young man. And if you really love her and want to be with her forever it's all worth it. If you don't want to be with her then pull the band aid but be careful you're sure that's what you want because the regret sucks much worse if you change your mind later

>>52651680
anything Master's or PHD.

>>52653331
What languages? Do you work constantly or not a lot

>>52653514
This guy knows.

>>52651680
Just started as a junior engineer in France. The pay is shit but I get 8 weeks and a half vacation (210 working days per year) so it's alright I guess

>>52651680
What kind of engineering anon? If it's not software you can probably pivot to that fairly easily. My first job out of college was $80k/year and my second (and current) job is $160k/year writing code at home. Otherwise do what >>52653346
says and transition into management. You'll do easier work for a lot more money, only downside is you'll have more responsibility if you can't keep the people you manage in line or if you are too autistic to deal with other people that would be problematic.

>>52651855
eventually your coworkers will succeed in prying open your shell. the normies will be relentless in their questioning of you in order to please themselves and their life choices. you can resist their intrusion awhile but eventually it will be bad for you. find a way to at least establish limits

>>52653618
What coding languages pay 160k

>>52653666
just fake it to you make it. Who cares what the normies find out about you, just don't tell them you watch anime and jerk off on 4chan and you're golden. I fake it all the time, but maybe that means I'm just a sociopath because multiple people close to me have commented I'm like a completely different person when I talk to strangers as it's like I stop being autistic.

It's not hard to have a good relationship w/ coworkers

>>52651680
I really was looking forward to a french revolution in my lifetime

>>52653525
My first position was Android, so Java. After that was another position in the same company doing web dev involving Node.js and Typescript. I left that company after 3 years for another using the Microsoft stack (.NET, ASP.NET, C#). I left that company after a year and half for another, now doing embedded software using C++, been here for about 5 months.
>65k to 75k (3 years)
>110k (1.5 years)
>160k (5 months, current)

>>52653743
Verilog and C; not or C.

>>52653525
Oh, sorry, forgot your second question. I work like 10 hours a week, at most. Of course I charge 8 hours daily, lol, but my work is good, and everybody in this industry does it.

>>52653777
How are you proficient at so many different languages to just get the job

>>52651817
Yeah it sucks to be ugly.

>>52653809
Are there many good node jobs out there still? Or all dried up

>>52653666
i dont mind socializing that much satan, especially if its limited to wagie time. i can bullshit if needed and maybe flirt with some girls or milfs
i used to work as a waiter and learned to socialize that way

>>52653812
I researched Android and Node.js in college during my spare time outside of my studies, and that alone got me my first job. They really didn't want to train anyone and just wanted to hire a guy who could get up to speed fast. I was fixing bugs in their code on my first day.
At my second position, I had never used Microsoft stuff at all, but I did so well in the interview that they decided to hire me anyway. My resume also impressed them, especially my familiarity with various parts of Amazon Web Services.
My third position was referral from a guy at my first position. Just called me up one day and was like "we keep firing people and I need someone who I can work with." He knows how good I am, so he got me the job.
I don't really do any coding outside of work. I never done l33tcode or any of that stuff. All I do is show competency with real experience.

>>52653833
Node.js is the most popular server framework in the web dev industry. Plenty of jobs. It's great for prototyping stuff, and all the popular JavaScript frameworks use it for their backend.

>>52653931
Nice job anon. I know the Microsoft stuff is easy.
How did you learn C++ though? College?

>>52651680
>SELF DESTRUCTIVE MEMES THAT YOU FELL FOR
chainlink

>>52653308
former GIS monkey here. it's super comfy but don't expect to go anywhere because no one knows what you really do and you will be siloed. especially if WFH.
>"that's a nice map anon, now why did you want that raise again?"

t. got my GIS cert in 2020, did it for two years, got promoted and now hiring someone to do all that stuff for me.

>>52653983
Yeah, all of my experience with C++ was undergrad stuff, but I didn't really forget any of it. I aced the technical interview and behavioral.
To be honest, the C++ ecosystem is nothing short of draconian, and it's even worse with low-level embedded software. A lot of my work involves going through our internal Git repos trying to find examples on how to do things, lol..

Engineering is a meme.
>degree in electrical eng
>junior eit positions $50k
>boomer managers who make $100k with paid off houses
>boomer managers will not approve a raise that's even close to $90k because that's how much they make and they're managers

I switched to software dev and haven't been happier. At least HR likes STEM

>>52651680
The play was to study engineering but get a finance/consulting job. Why not study finance in the first place? Because it is assumed that an engineer is smarter, and what matters is what you learn on the job anyway. With that experience, you get an MBA so that you are now “officially” a business guy and that’s it. Studying engineering to work as an engineer… lol, lmao even
(Disclaimer: except for Software Engineers, they do seem to be doing very well according to what I have seen at least)

>>52651680
>SELF DESTRUCTIVE MEMES THAT YOU FELL FOR
Holding link for five years.

>>52651918
what kind of risks did you take, and how does ADHD help you

>>52651680
Where are you people getting jobs that pay engineers that little? I got a defense contractor job straight out of college paying $80k and that’s on the low end compared to some of our competitors.

>BE SURE TO FULLY FUND YOUR 401K

>oops, society is collapsing. the hyper consumer boom generation is dying out and being replaced by people who will never have the same amount of spending power

>>52651817
bro i had so much pussy in university it was unavoidable, now that i am 40 i have to pay for escorts

This is hard for me to write but I feel like I need to get this off my chest.

I yolo'd my entire portfolio into GME and AMC at the relative bottom before they 10xd. I was up so fucking huge. I literally thought I was going to be a multi millionaire. I would have random moments where I would just scream out LETS FUCKING GOOOOOO. Thankfully I took some profits and was not a complete retard but I basically left hundreds of thousands on the table and slowly watched the value of my portfolio tank over the last two years. Literally could have sold, paid taxes on the gains, have enough money left over to buy a condo or house , AND buy back in to my core position after the price tanked.

But I was a fucking retard and listened to a bunch of larping financial detectives on reddit who were screaming BUY AND HOLD, HEDGIES ARE FUK, etc . Moass is coming hurr durr. Everyone always made it seem like the epic short squeeze was right around the corner but its been 2 years plus now and I am just fed up. I've wasted so much of my life going through amc and gme subreddits, /biz/ threads, and scrolling through twitter threads reading dd provided by people I do not know or even trust.

Honestly, at this point I am way too scared to sell. I am 99% sure that if I sold and the short squeeze did happen that I would kill myself. I have sunk way too much time into this to just sell and move on now. Sunk cost fallacy, I know. I recognize the irrationality of my actions. I hate what this stupid meme stock play turned me in to. Its like holding a lotto ticket with no expiration date and you just keep waiting and waiting for your numbers to hit.

I'm still holding but I restarted with a new account and am trying to rebuild my portfolio.

>>52655157
Obsessed meltdownie. I would tell you to go back but I heard your sub is getting shoa'd

>>52651680
I started to “believe” in the project I invested in last bull run. I got comfy and was making good money at my job and was like yeah fuck it im just gonna hold for the next three to five years anyway! I believe in my project! Big mistake considering I could have took profits, paid off a load of debt and enjoyed some new gadgets while also buying my entire stack + back for less money at the bottom. It’s a little sickening to think about.

If you’re ever in a position where your shit is mooning and you start to “believe”, there is no bigger sell sign. For gods sake take your profits. I was making good trades that run too and selling at the top but on the last one I just believed a little too hard and now I’m a fucking baggie bitch. I keep thinking it can’t go lower and then I wake up to -10%. I still feel fine about the future in general despite the fear but it’s gonna be a long road.

>>52655222
Trips of truth.

I'm not even telling you the whole story. I got sucked into the XRP riddler bullshit too. Bought at the lows and saw the price hit 1.80. Didn't sell. Been holding that shit for 4 years now. Honestly, I feel fucking stupid for doing so.

Yeah, I was definitely obsessed and would have crazy depressive episodes.


For a while, I would go through phases of depression and hypomania. My career stagnated because I kept believing that the short squeeze would make me a millionaire or that XRP would moon and I could just start a brand new life so I can just coast with this easy job. My family and gf started to get really worried about me. Dude, it was really bad and dark time in my life. Got sucked into GME,AMC, XRP, Q anon bullshit. Literally, looking back I should have gone to see a psychologist. or something.

Eventually I snapped out of it and decided to rebuild and actually started to pursue some good remote work ops. Got a better job and went back to gymming n being healthy.

Now, for the most part, I'm doing okay. Not exactly financially free but I'm not struggling either.


I learned a lot about myself over the last few years and I hope to never make the same mistakes ever again.

>>52655511
Read how to be a shark investor (the deaf guy one). You’ll be good bro. Glad you’re doing well.

i didnt really fall for any memes but ive made every trading mistake possible. multiple times. i still havent made it. but im pretty sure i was doomed to be a failure at birth so theres that.

>>52652273
Nah bro, you did the right thing. You've learned a lot in those two years and you got lucky getting out after 2. I was stuck in a similar situation for 6 years and slowly and gradually lost parts of me and my personality that were "bad". I still think I'm lucky because I know when I see it now. There's people in life long relationships like this and it will kill them.
I was single for awhile and didn't waste my time with women who were bad news. I actually found a great girl now who was actually in a similar shitty situation that the both of us were in. There's nothing better then being able to be yourself, not have to walk on eggshells and not have to lie to avoid arguments with a girl you really like and admire. Anyone who's in there 20s should just stay single until they hit 30 and then find a girl who's got shit figured out who's in their early to mid 20s. Don't touch the ones in their 30s. Single women in their 30s have a screw loose.

>hodl

>>52653514
Is it that bad?
I'm thinking about getting an MS because I want to go up the ladder.

>>52651680
>be better person
>be yourself
>there's someone out there for everyone

>>52653514
I'm doing a PHD right now and I honestly couldn't imagine myself doing anything else. It's great if you like research. Shit pay, but great benefits, endless interesting problem solving to satisfy my autism, and delicious faggy coffee and boba places everywhere. Pretty damn nice IMO. Too busy to waste money on stupid shit anyway so I don't even need much cash.

>>52655637
based

>>52656267
You realize that PhDs are one of the biggest scams of all these days right? There are way, way too many PhDs out there and the number minted is going up and up.

There is a vicious "up or out" in academia and you won't realize it until it's too late. You get comfortable, you know all the school, they won't drop you. They fucking will man, you don't get published or advance in some major way in a limited time you are GONE. The amount of people who got phds and then failed out of academia and struggling to put their lives together since the corporate world doesn't treat academic stuff as real work experience (with good reason lol).


Go search it up, phd is for romantic naive people going like lambs to the slaughter.

>>52655732
lmfao this

>>52656393
>you don't get published or advance in some major way in a limited time you are GONE
Oh calm down I know that, the goal is to get at least a couple high quality publications done in my time here and I wouldn't even bother pursuing a PHD if I didn't have ideas I really believed in. Furthermore, I'm also trying to learn as many skills as I can (do quality experiments in the lab and using buzzword stuff like robotics/automation/code/AI) so that I have a solid corporate backup plan. I don't think there's any reason at all I wouldn't be able to get at least some shitty 80k/yr associate scientist job at a pharma company or something.

And finally, academia isn't fucked everywhere, it's the worst in the US. I have reason to believe that you can get academic jobs if you apply literally everywhere on the globe that's hiring/growing (think the gulf countries, rural china, parts of SEA, mining school of western north dakota or some shit, etc.). It is a bit of a pyramid scheme but I don't think everything is really THAT fucked.

>>52653743
The languages don't really matter. I mainly used rails or python in my career with some java mixed in for maintaining legacy garbage or processing shit with hadoop.

>>52655157
You could have invested in the crypto bull run during the time you were holding that stock. What the hell is wrong with you?

>>52656149
I worked with a self-professed ex-felon at a bike shop who had a stick-and-poke "Be Better" on his right hand. I know now that is the secret tatoo of the real deep cover glow niggers. So, when I saw your post, a fisherman recognized another fisherman from afar.

>>52651680
Should have been a software "engineer" instead
>30 hour work week
>Work from home
>Work is easy
>Start at 60k and can easily pull 200+ with 8 years experience
t senior software engineer with 9 years experience making 260k total comp in a cheap state.

>>52655511
>inssane made-up glowkike story somehow about BOTH GME and XRP
>pretends to write like he's baring his soul
>kikes don't have souls
>easy to see through

You're going to sucking down lots of man-cum in the coming years buddy :) We're going to dismantle your entire world, brick by perfidious brick.

>>52656621
I graduated EE.
I got 1 offer for a software job. It was a "computer programmer" for the US airforce civilian service.
Pay was $44k a year. I declined.

I'm a doctor

I've come to the realization that something I liked about going to school forever was not having an actual job. I don't even imagine myself working past like 45

>>52656657
Don't work for the government. They pay like shit. The only upside is the job security is so high you'd have to commit a federal crime to lose your job.

>>52656677
I'm doing my PhD and am filled with dread at the thought of having to show up on time to a job EVERY DAY and there being actual consequences for being late. I just like sleeping in way too much.

>>52651680
I personally fell for the whole "you can't make money with DEXes". I've been making loads of money trading on Dextools, never had any issue. Biz really wants people to lose money

>>52652450
Based and shrimp pilled

>>52651905
How do you feel

>>52653825
Even if you’re decent looking you need to be a bit forward, can’t just sit back and expect women to fall in your lap unless you’re filthy rich.

>>52656267
it goes downhill quick in the postdoc grinder
enjoy the time in, but have a marketable backup plan and maybe an industry internship or portfolio

>>52651680
I thought getting a good job would improve my life

>>52651680
I just became a systems engineer out of my PhD. 1 year of experience. Picrel

>>52656393
Sounds like you washed out for good reasons.
t. H-index of 12 at the end of my PhD.

>>52652273
15k is chump change. You're an idiot if you think a good relationship isn't work more than 15k. Now if it's a bad relationship you should get out regardless of finances.

>>52652164
Read The $100M offer, the plan laid out is clear and actionable. I believe there are more books coming about marketing etc but the first part is all about what you can offer and how to frame it.

>>52652093
>90k a year with 3 years experience
Wait. Wat. Really? That's literally less than a 3yr UPS driver makes. You are getting fucked up the ass.

>>52652450
Ummm...do you live on Primrose Lane by any chance??

>>52655441
RBX?

I lost thousands

>>52651680
Working in oil field.
>Don't worry, bro. Your job is secure forever
>Got laid off 3 months later

>>52651817
This meme is actually true but you have to be handsome and avoid vulgar jokes.

>>52657947
>half of your pay gone
Jesus, where do you live?

>>52651680
GME, I bought the top

>>52655157
Holy shit you sound like me but with link

>>52656677
What spec? I am going into med school next September...please redpill me on it so I know what to expect
t. Eurocuck, if that matters

>>52651775
same

>>52651868
>he fell for the marriage meme

>>52651680
I got a 2yr mechanical engineering degree and was making $50/hr plus all the overtime I could work. Take your head out of your ass, OP

>>52661039
It's different here fren, you don't start med school until after a bachelor's degree and I didn't start until I was 27. It pays well though so that's a great plus.

>>52651680
I fell for the
>le nepotism is bad
lie that the tribe sells to the goyim. They use nepotism themselves but tell us that it's a bad thing, they want us to use it. So I quit a great job I got via nepotism and grinded by myself, wasted about a decade and didn't even get close to the point where I was year 1 with the nepotism bonus. Point is, if life gives you lemons do something with them instead of listening to the tribe that tells you to reject the lemons that life gave you for free and "follow your dream"

>>52651680
If you're legitimately an engineer and have the ability to wield that sweet, sweet stamp you can become a claims whore in Florida (or wherever else). There are tons of contractors looking for anons to do forensic examination to help fuck the insurance companies into paying on property claims. There are also carries looking for engineers to attempt to fuck the policyholders so they don't have to pay claims. There are also structural inspections on either end to see if the building is even safe to repair, or whether it's a total loss. I use a company called SEI out of Florida for my inspections. We paid two guys 10k for a 3 hour inspection and report.
>t. commercial roofing contractor specializing in large loss insurance claims.

>>52652115
https://www.cryptocompare.com/profile/yurets.zh/#/activity

I really wanna be an electrical engineer, how much of a meme is it? Reason i wanna do it is because i have ideas i wanna tinker with, i don't even expect for it to be the main source of income.

>>52651680
Biology meme almost went into medimeme, now I am doing a IB internship.

>>52651680
Learn how to communicate effectively and transition into Project Management
I did this with a Biochem degree (lol fuck lab work)

>>52651680
crypto "partnerships"

>>52662493
>I blame semites for ditching job in papas company to pursue career of influencer/daytrader

>>52656677
Yep. I always knew myself. Work is gay, especially in the modern day US.

>>52659200
I max out my 401K and HSA, so there's a lot taken out pretax. Besides that, i live in hell (Los Angeles), so i pay extraordinary amounts of income and property taxes in addition to the high COL.

I had a higher QOL earning $70K in Pittsburgh, though i couldn't ski the Alps every year.

>>52656827
I used to be like you, but waking up at 5am and getting to the office by 7 feelsgoodman .

>>52651817
Dayam, son! ....grass is always greener, anon. Just ask any married guy you know. If they are really honest they will tell you that they often wish they were single again. Fact is: life is hard for most people. Go do the things you are good at and do it for people, either for free or for a fee. Put your talents to where it will be appreciated.

>>52655157
dude....just fucking cut your losses and move on. I know it can be hard, but you are literally torturing yourself. Luck has so much to do with life, but also your actions in exposing yourself to different things, and in doing different things. NO ONE GETS TO TAKE ANY MATERIAL GOODS OFF THIS ROCK. It's really your call, but I think you should move on with your life into some kind of productive use of the talents you have (or develop a talent!). At the end of your life, will you be more proud of struggle and blessing others with a talent, or of your holdout on a stock/squeeze+luck? It really is your call, but you have only one life.

>>52651680
I fell for the playboy lifestyle meme. Through uni I had plenty of gfs and opportunities with chicks from great middle class families, sophisticated, educated, daddy’s rich and mom’s good looking types.
I thought it would never end, got as much pussy as I could handle for years, but now I’m scraping the barrel with Tinder trash and my chance of marrying into a better class of people has disappeared.