/biz/ - Business & Finance

>>53393602
It’s cope you either make it by 25 or you rope

>>53393602
If you are a virgin in your 20s it is cope.

>>53393611

Can definitely work like that. I did a more difficult degree instead of some meme shit like psychology/business/communications and not I make low 6 figs working from home comfy in my early 30s. There are definitely more extreme cases, i.e. putting all your energy into a business in your 20s and have it take off in your 30s but I mean the general idea of investing into your future by means of working hard can definitely pan out.

>>53393633
now*

>>53393602
>tfw 23 living at home with alcoholic dad making $55k a year
>$6k in savings and $8k in HBAR and ICP

>is compounding interest real, /biz/?

>>53393611
false. i had massively negative net worth, failed a start up, and was delivering pizzas at age 26. i still made it. there is no age cutoff to making it.

>>53393611
>>53393613
Doom posters like this add nothing of value to this board. Tons of people are late bloomers. It's just fucking retarded shit that clogs up threads.

>>53393654
Explain how

>>53393688
He didn’t or he would have said he’s just coping hard ITT like >>53393665

Grinding is cool, but personally, I just bought chainlink and am comfy knowing no matter what I will be a multimillionaire eventually anyway

>>53393611
what a load of bullshit

>>53393688
continuing to grind as much waging as possible, while spending the rest of my time autistically following crypto. living as cheaply as possible in shitholes with roommates. then investing in crypto and not giving a shit about my already fucked credit. It took about 3 years and 3 months of treading water in crypto before one of my gems hit and moonshotted, giving me a base to work from.

>>53393602
there is truth to it
i'm 34 now making $150k, not really working that hard (wfh), minimal stress
no wife and kids and to be honest i can retire now, 90% of my income goes to index funds and crypto, with now around $1.5m in investments, fluctuations year to year are more than my income, which is an interesting feeling. Last year my net worth went down like $150k, but over the last 2 weeks it's gone up like $100k. It makes work and income seem more insignificant which has actually reduces my work stress a lot.

i'm in a position now where i'm cruising through my 9-5, and if we get another bull run in 2025 that'll be the end of my work life. it was because i set the foundations in my 20s, it has made my 30s so much better and will make the rest of my life better too.

Only works if your family puts you in a position where 'grinding' in your 20s is possible, like hooking you up with the job you need. Otherwise it's
>grind pointlessly
>oops a recession fucked you over
>people online gloat their job is fine
>oops their job just fired them too and they're pissed
>now you've wasted your time chasing something you can't get anymore
>time for more grinding
Not to be a marxist but this is what garl margs wrote about, a system which becomes increasingly unstable due to large recessions and fucks people over so that only the ones with connections, capital and privilege (not white privilege that's not real) can ever recover or make it the conventional way.

Add to that you have american mentality so people will tell you to just 'start a dropshipping business' because they heard about a guy who did it. It's easier to scream individuals are the problem, than to accept the system is fucked and frequent recessions are a problem not a good thing to "weed out the weak" or whatever schizo boomer shit they might use to rationalize it.

>>53393759
I will say I do think this is a little harder now, even though that was only about 4 or 5 years ago, simply because the cost of living relative to wages has gotten worse and crypto is an order of magnitude larger now. But a similar strategy could still work for some people, maybe, i dont know

>>53393602
>>53393633
Aren't you supposed to be raising kids in your 30s? How is that cruising on easy mode?

>>53393765
Don't you want a wife and kids?

No because by 30 you probably won't want to party much, it will feel and look weird to be trying to live the youth you missed, and by 35 your hangovers will last 2-3 days. Also, the older you get, the less recoverable social mistakes become. It's better to make mistakes when you're young and the stakes are much lower.
What I did, and what I suggest, is party during the first half of your 20s but keep fit and stay on top of studies/work. In the second half start knuckling down, then you can be freer in your early 30s as your career should be smooth sailing after the work you did, and you'll be ready to settle down and have kids in your mid to late 30s.

>>53393602
lol
lmao

>>53393602
Unironically true, I got my CS degree with good job experience and can find jobs with good WLB at $200k+. More if I feel like busting my ass at a harder job.

>>53393844
sort of, but you can't really force it
i was in a relationship for most of my 20s and took me a while to get over that, but ultimately i resolved that i was never going to settle for anything. dated around 20 girls in my early 30s but nothing 'clicked' and absolutely could not envision me building a life with any of them.
it's also part of the double edged sword of having money - you can really fuck up by marrying or impregnating someone, it's easily the riskiest thing that i could do to my wealth.
in my day to day life i casually try and connect with people and women but if it ever feels forced i don't bother, and i absolutely try and hide my wealth at all costs as well.

>>53393602
Lol

I am 28 years old and I never even kissed a girl

>>53393705
>he didn’t sell already
OH NO NO NO

In a way, yes. I don't think "coasting" leads to a fulfilling life though. You're rudderless and purposeless. Your life has no higher calling, and doesn't benefit anything greater. I didn't even know what I wanted out of my life until I was nearly 30, and at point I just worked even harder.

>>53393647
I kneel

i dont know im doing the reverse

You should enjoy your life when you're young.

>>53393905
>b-b-but partying
I have coworkers in their 40's with kids and party harder than any frat bro retard I ever saw in college. $10k vegas trips, loads of yayo, garages full of jet skis and atvs... It's so cringe.

It's the same social flexing and escapist cope no matter what age you are. Idk where this meme came from that you somehow get a free pass to be a degenerate retard because you're young and that makes it socially acceptable and even expected/praised. If you faggots didn't have social media and the electric jew you wouldn't have all this gay fomo and age anxiety about "missing out on youth"

Just do something that's fulfilling to YOU, work hard at it and ignore normie opinions... they mean nothing.

>>53394160
same

>>53393602
No you cruise in your 20s so you can grind in your 30s and then cruise through the rest of your life. If you miss out on certain experiences that are exclusive to youth such as but not limited to young (and/or underage) pussy, looking as good as humanly possible, early transition, peak femboyhood, etc. You will regret it for the rest of your life and be unable to grind in your 30s or any other decade of your (now much shorter) life.

>>53394234
Forgot pic. But seeing this young boy should make you want to be just like him. And the fact of the matter is that if you are over 25 years old or so and never got on estrogen you do not and never will look like him and therefore will not achieve peak femboyhood. You will have to go your entire life without ever being at your best, and knowing that if you weren't stupid you could've been.

>>53394202
See
>>53394234
Specifically,
>young (and/or underage) pussy

>>53394202
>Just do something that's fulfilling to YOU
The only thing in this world that is fulfilling to me is being the prettiest femboy I can possibly be, and that is gated by youth.

>>53394301
that entails taking E in your early teens and 4channel is 18+ only.
>if you weren't stupid you could've been.
you're trying to sell chemical castration to people via FOMO kek

>>53394366
>E in your early teens
itt chuds don't know how transition works

>>53394392
most people's bones are already fully formed by mid to late teens, why is why 90% of femboys are la atrocidad
furthermore inhibiting DHT would need an anti-androgen which will sterilize you and atrophy your benis

>>53394483
You can get rid of DHT with fin/dut alone.

>>53393905
I lived the so-called "early 20s phase" in my late 20s, traveling and banging girls in bars and hostels because I spent my early 20s studying to get my stable and lucrative job, and I don't regret it. These fixed life trajectories only work for normies who end up wageslaving for shit pay, or are just lucky Chads and Stacies. Do what you want. There are always trade-offs to consider, of course, but life is long and also short. At least I feel like I would regret "skipping" the stupid but fun things just because some normalfag thinks I'm "too old". Same people who say that also say 30+ year old men shouldn't date college girls, which is categorically wrong.

>>53393602
Yes, if you're focused on your career in your 20s, your 30s will be easier financially.
>Grind
Not sure about this. Sounds like a meme.

>>53393602
Not true at all. I worked my ass off in my 20s and I did a lot of money, sure. But now in my 30s I get asked to wage for better pay and higher offices, with more responsibility. People come to me saying "you're the only one that can do it" It's flattering, sure, yes it's profitable, but I'm really far away from retiring.

>>53393602
I would have been retired rn if I took that advice

>>53394301
I don't know man, even when I was 18 I would have still been obviously masculine even with a wig on

>>53394566
Yes that's because most males are, especially without HRT. HRT femboys are a thing. In fact I'd venture to say that HRT femboys are the ONLY femboys, and non-hrt categorically equals non-femboy.

>>53394497
usually those aren't going to be enough to stop facial hair/body hair and redistribute fat. The only people that will succeed in your femboy training program are exceptionally short and/or asian people who don't plan on ever having kids

>>53394602
Or people who get on HRT before 25 (arguably before 20).

>>53394032
Very fair, good luck anon

>>53394032
Be careful about cohabiting too. Some states will consider you married if you just live together and have sex for 2 years.

>>53393602
That was true 30 years ago, now you make it in your 40s if you're lucky

>>53393611
Hitler was a nobody in prison with nothing at 35. He was Fuhrer only 8 years later

>>53394251
sauce?

>>53394637
thanks man

>>53394653
yes absolutely, in my state if you cohabitate for 2 years you are effectively married and the partner has claim on your assets, absolutely crazy shit.
i remember being worried about that when living with my ex-gf as well. usually the courts would be sort of fair in a childless relationship, however the second a child is involved it's game over.

>>53393602
The hardest thing in your 20s is getting established. The hardest thing in your thirties is not blowing all your money on stupid shit thinking you’re done.

>>53393611
Lmao making it before 25 puts you in like the top .01% of society and even then your lack of maturity makes you prone to losing it in a short amount of time or otherwise acting a fool
Now if you said 30 I'd understand

>>53394737
https://nitter.1d4.us/AlexIsPetite
(I think, doesn't actually look like him tho)

>>53394867
>https://nitter.1d4.us/AlexIsPetite

not him specifically but that page led to me to the sauce tho https://nitter.1d4.us/lizyhsan178

thank u sir

>>53393602
who the fuck said this bullshit?

>>53394945
Yeah that one might just be a woman with a dildo in her panties. Be mindful, it happens. I hate women so much it's unreal.

>>53394202
The only correct opinion in this thread.

>>53394712
ye except for the "head of the revolutinary party that the entire country had their eyes on his release"-part

>>53393633
>>53393602
It depends on your definition of "cruise".
Buy the guy's definition of "cruise" above me, I've been cruising since 22. But my definition of cruising is a net worth of about $20 million, so we're different. In my case I might achieve that next year but it's going to depend on how well my business does this year.

>>53393611
fpbp

>>53393611
My gen x uncle didn’t start his successful auto repair shop with two locations until his 30s no he didn’t found Midas but still he makes damn good money

>>53394059
No one asked, incel.

grinded for all of my 20s and nearly all of my 30s (am 39 now). All I have is 400K in cash and about 500k in retirement. I don't even have a house yet (want to buy and live in california where I was born and raised -- I know). It really all depends on the individual and where you're from, what kind of help you were given growing up, etc.

>>53395017
Yep thats probably the case, weird faced chick with a cracked body just boymodding.

either way they got some hardcore korean-esque photoshopping going on, adrogyneous ass mothafucka

>>53395474
Kek imagine if you just bought a house during 2000 or 2008 or 2015

>>53393765
Do you own your own place or do you rent?

>>53396265
own with no mortgage, paid it off when i was around 30, it's a decent sized one bedroom condo worth a few hundred thousand - i've never minded living in a smaller space, and it definitely has helped me save money and build wealth.
having a place to live that you own outright no matter what is also another huge weight off

>>53393602
learn as much as you can on the job in your 20s, gain as many skills as you can while people are still willing to teach you, then grind the first few years of your 30s with those skills.

real men don't peak until their late 40s early 50s.

>>53396300
How much freedom do you get with a condo compared to an apartment? Are landlords unable to kick you out and access your room?

>>53393611
fpbp

lot of copers on biz, but the real ones (like me) made 7 figs on shitcoins in their early 20s and now cruise around the world doing whatever they want, living a life normies couldnt even dream of.

>>53393602
I grinded in my 20s then crashed and burned at the turn of my 30s. Now all I have is enough savings to neet for a while (but not for the rest of my life) and a big black hole where life experience and memories should be.

>>53393804
>t. weak weed

>>53396337
i think it's similar, it's just that the fee structure and what they call certain things is different, just a technicality really.
they way i understand it is a HOA is you owning the place but the HOA owns common property, in a condo structure you own the place and also a share of common property.

>>53396392
That's pretty cool. I want to buy a house but I don't want to be tied down and forced to wageslave. Condos seem like a decent compromise between a home and an apartment

>>53394602
I've see some who started at 18 and had good results

>>53396417
yes that was my thinking when making the purchase as well, and buying a pretty cheap place that i was happy with was a weight off and allowed me to more freely focus on investing and making money.
it had massive positive mental effects, i'd recommend it.

>>53393602
Complete horseshit. There's many, many, many things you can do in your 20s you can't do at any other point in your life. Same isn't true at any other age. Enjoy being young it doesn't happen again.

>>53396360
What about your childhood friends? Isn't it more fun experiencing adult life with your childhood friends rather than just travelling the world alone?

>>53393759
I'm in a similar situation except I have a kid on the way. Hoping to god my story ends similar. Been throwing money into it for 2 years, been unemployed for 2 months going on 3, I need to be able to say the same for the love of god.

>>53396493
once you make a lot of money, you cant relate anymore. you naturally drift away from most and this cant be helped. still would rather be rich.

>>53393611
based sigma grindset

>>53393611
I'd say 35 is the absolute limit, if you haven't figured out shit around by then it's truly over and you should resign to being that weird uncle in your 40s

>>53398978
>and you should resign to being that weird uncle in your 40s

Is the weird uncle like the cool wine aunt?

>>53396465
>There's many, many, many things you can do in your 20s you can't do at any other point in your life.

Like what, faggot, playing video games?

>>53393602
i did that and i think it is true. personally i even loved the grind in my 20s, giving 100% on everything while putting personal life on pause. can't say i regret it, but i wouldn't still want to be in the same spot now.

>>53393602
>put 1k in random altcoin shilled here
>dinosaur holders shitting and pissing themselves over their supremacy
>make 27x on my investment after 2 years of jacking off all day
>it's enough to buy an apartment
Meanwhile bozos are grinding their ass off wasting their 20's to save $10k LMAO
This is the investment board for self improoooovement memes go to r9k wagecuck

>>53400155
I made enough money to buy an apartment last 2 years while playing video games. You wasted your 20's and made nothing substantial.
Shut the fuck up grindfaggot

>>53400249
got a phd out of it and got some good experience in the tech industry, and now I am financially independent. to me it was worth it.

There’s no such thing as cruising. You’ll never cruise.

Remember buttcoin maximalists a few years ago?
They made 3x on their investment.
I made almost 30x with a random shitcoin some Pajeet shilled here
Grinders made jack shit and wasted their youth. Holy shit this board is pathetic I thought we were investing not bragging about doing overtime at McDonalds.
Even pure garbage like Chainlink made 30x last bull run it's a true fact google that check the charts.
Fucking pathetic faggots

>>53400289
All you had to do was buy the first altcoin some Indian shilled here and hold for the easiest 20x-30x of your life.
Compared to my peers who worked their asses off I made a fuck ton.
Oh well watever enjoy those extra shifts or whatever the fuck wageslaves cream their pants about. And don't forget CLEAN IT UP WAGIE

>>53396493
Kek not only is >>53396753 larping about having money, but you somehow assumed he had childhood friends. He never had either.

>>53393602
It's all about getting you to sacrifice as much as possible for a future that isn't going to be there.

Spend your twenties giving boomers the pillow.

>>53393647
bongwolke scam has finally been reveal

>>53396465
>Complete horseshit. There's many, many, many things you can do in your 20s you can't do at any other point in your life. Same isn't true at any other age. Enjoy being young it doesn't happen again.
Yes, for example, setting yourself up for an ez coast career.

I saved up $750k in my 20s. It's not like I worked 16hr a day to do that, but I did apply myself both academically, professionally and in crypto

I also rode a bunch of motorcycles over the world, fucked a lot of asian girls (gotta cope as a manlet), and even played some vidya as >>53400101 mentions. Lots of PUBG and modded minecraft.

I phased out vidya to just dead by daylight before playing nothing but tabletops with bros now.