/biz/ - Business & Finance

>"lives" paycheck to paycheck

I make 39k a year, live on my own, and save half my paychecks while eating fast food multiple times a week. What are you people doing wrong? Is it a coastie/blue state thing or are the upper middle class just retards with their money?

living alone is the worst decision you can make both mentally and financially. make friends and get a gf or stay poor

if you have problems not spending money, cordon off a certain portion of your paycheck into a savings account
consider not using credit cards because the psychological effect of not immediately seeing your balance go down also causes you to spend more recklessly

>>54402697
I make 200k per year and live paycheck to paycheck. But I live in a McMansion and send my kids to a private school in Seattle. Whatever you think, I've made my decision in life and to me this is worth it.

>>54402795
Most kids on this website are 20-24 and will not understand how someone could do this for another few years.

>>54402743
Coastie/blue state thing.

unironically listen to Dave Ramsey

>>54402747
Idiot. Having roommates is poorfag cope, and living with a girlfriend is playing house. I wouldn’t trade my peace and privacy for anything.

>>54402697
stop spending like a minority you retard

>>54402697
>2000 eur/month
>WFH chad
>Saving 80% of my wage

>>54402747
It's amazing mentally. Also cohabitation is a sin.

>>54402743
>>54402961
>wife
>kids
>mortgage in a non shithole flyover state
>retirement and investments
I just keep telling myself it’ll all be worth it one day

Get YNAB. My household makes $140k in a HCOL area and this has helped us properly anticipate expenses.

>>54403288
>retirements and investments
>paycheck to paycheck

you dont know what that means my guy

Ramsey says to have 6months of income saved up for emergencies but I'd rather have that not sitting in a bank, ideally it would be safer to buy gold or even btc?

For example if 6months of my income is 25k, thats not going to make much interest sitting in a bank

I make almost $200k a year and live in metro Atlanta. I only spend $55k a year on living expenses and put over $80k a year into investments. I might slow down after the next bull run and work just 20 hours a week for $75k per year. I'll be set for life once BTC and ETH do a 3x.

>>54402697
>bought a new car
>willing paying huge rent
>over paying for shit with an nicer label/brand
my fucks = 0

I make $15hr and can still save 75% of my pay. It called living rent free with your brother and driving a used car while over leveraging with bank loans to gamble on robin hood. Then paying a credit repair company $400 to tell the bank to shut the fuck up and get your credit score back up to take out more loans.

>>54403378
are you a homeowner?

>t. DeKalb County

>>54403567
Yeah I'm in Dekalb County (Dunwoody). Property taxes are a bitch out here but it's worth it.

>>54403288
Does she at least fuck and suck on the regular? Mine dropped off a cliff and I'm only 34 and still horny af

>>54402697
Literally how

>>54402743
How much are you paying for rent? I'm in Toronto and I spend 3500 a month on rent alone. Then 200 on groceries, 100 for internet+phone plan. You can't live alone if you don't make six figures.

>>54402697
I hate you rats. I make 40k and can save 2000 dollars a month working 60 hours a week as a security guard. Fuck you all

I fucking hate normies.

>I live paycheck to paycheck
>Yeah I max my 401k, save $500 in my kids college fund each month, go on an international vacation 2x year.
>The rest of my paycheck I need to save for a down payment on a second home. I literally don't have anything left at the end of the month

>>54405060
gigachad right here. probably not wasting money on muh clubs and drinks and eating out. you have my respect anon

>>54403288
>wife

This is your one and only problem. All of those other circumstances can be modified to your benefit if not for the wife

>>54402697
100K a year is the new 50K a year now. I'm on 140K a year and barely feels like 90K 3 years ago. Working my ass off to skill up and get a better paying job. 200K is the new 100K.

>>54405020
mine stopped sucking me. sucks so bad. been like 3 years since I had a blowjob. she gained heaps of weight too. doesn't work. just leaches off me and bitches all the time. but her family is nice to me and I don't want to lose that, or even face losing it and all the bullshit drama and awkwardness that would follow.

I regret falling for the wife meme. I hate my life. wish so badly I was single.

>>54405305
>>54405320
YOU GET WHAT YOU FUCKING DERSERVE. I bet you fucking dork faggots were facefucking your textbooks in college and “studying hard” while me and the polisci bros were facefucking Stacie’s in the upstairs bathroom at random parties.

You smugly thought you were gonna come out ahead and it’ll all work out. Look at you now shitbags. Anchored to a fucking worthless sow LOCKED into some lame ass life DESPITE rolling in dough I could only dream of. I bet you Normie faggots couldn’t just fuck off to Thailand for 6 months every year cuz you’re a single guy despite making 45k a year COULD YOU?

You sure fucking couldn’t. Get fucked tax cattle bitch

>>54405020
>> 54405320
do you anons eat her out?
My gf doesn’t suck me often either, maybe once every month and I’m afraid it’s gonna drop even more. I don’t understand what’s so difficult about it

34 unemployed no college degree with $70k worth of link
it either turns itself around or i kill myself
i already want to kill myself for not selling when i had multiple 6 figures

>>54405403
Damn that sucks I hope you make it.
-32 year old security guard loser with no moonshot strategy only steady eddy faggot Roth IRA/brokerage investment strategy

>>54405382
>polisci
You've literally never had sex, bro.
>t. communications chad

>>54405422
thanks anon
i was smart enough to smell the celsius and bancor rugs and pull out at the right times but too stupid to hit the sell button
greed is a hell of a drug and i got memed into 500k isn’t enough
it was enough

>>54405427
Shut the fuck up bitch my body count is 220 (mostly Thai hookers tho hehe).

>>54405320
I feel you anon. I've thought about divorcing but the kids are still young and I don't think I could stomach doing that to them. I don't mind supporting her, she's a sahm and good to the kids, but that's the problem I'm stuck with a mom instead of a wife. I'd pay anything for female Viagra that actually works. I stopped drinking a year ago and hit the gym regularly now. Good for my health but now I'm perpetually miserable with no way to take the edge off and even hornier because of the exercise. I guess the old way of swapping for a 20 year old wife wasn't a meme, might have to make the switch once the kids are old enough.
>>54405386
Mine gets grossed out by it, idk she's weird like that. Dude she's a gf, no disrespect but a gf that won't suck and fuck is worthless. You still have time
>>54405382
Rents due tomorrow kid chop chop

>>54405320
what's so amazing about blowjobs? Why don't you faggots prefear regular sex?

>>54405042
>3500
HOLY SHIT NIGGA WTF
ILLEGALLY IMMIGRATE TO THE UNITED STATES IMMEDIATELY
Real talk, I'm being scammed out of 1200 living in my quiet and peaceful suburban town. I can't imagine paying more for that, holy fucking shit.

>>54403360
Emergency funds are meant to keep you safe from emergencies. Not make money. Put 20k in a hysa and 5k cash in your safe at home. You make a bit of money on interest and always have that piece of mind. Good isn’t great because you would have to sell it to get your money. You want liquid cash that you can access today if needed. They only reason I don’t have my whole fund in the hysa is it takes a few days to transfer over

>>54405042
>3500 a month on rent alone
I earn $2400 working 14 days a month part time.
$650 rent, $200 internet + phone. Mom pays the other $650 for the rent. I'm Asian so I will live with my mom probably forever and we're living comfortably with zero debts. TTC is enough to go anywhere we want.

>>54402743
Retards that don't understand the concepts of responsibility and discipline. Cursed with the poor mindset of spending rather than building wealth or maintaining simple sustainability. Acquiring debt they can't afford, buying things they don't need, seeking validation for things that don't matter.

Behold! The perfect consumer.

>>54403360
Safe of metal and cash at home

>>54406464
MUSIC TO MY FUCKING EARS imagine paying this much for shelter you oofy doofy faggot. You’re ripe for the picking of some washed up roastie to divorce rape you and make you a tax cattle bitch for 18 years

>>54406411
are you for real? banging is nice and all but a good bj is next level.
never go to a thai bj bar, while it is fucking godly, no non professional girl will measure up afterwards

>>54405042
>I spend 3500 a month on rent alone
Goddamn anon, just buy a house.

>>54402697
>only make 70k
>easily follow the 50-30-20 rule
>most of the time it’s more like 40-30-30
How do you retards even manage to breathe?

>>54403682
Lol, your home isn’t going to hold value at all

>>54402697
>50k/yr
>save 2k a month

>>54402890
>>54403172
Fuckin' idiots who won't swallow their autism and unearned pride to save half of your rent AND have an additional income. Just admit that you're too scared to talk to women instead of coping that pathetically

>>54410133
>AND have an additional income
Ask me how I know you don’t have sex.

>>54403115
Based. Hope you're gonna build a castle in Bulgaria with you savings, while the sharts ITT starve on six figures

>>54410180
Your bitch doesn't even work in AD 2023? Either you're rich or she's ripping you off

>$100k a year
>Family of 4
>New england
>Sole breadwinner while wife finishes degree
I'd be drunk 24/7 if I could. I hate boomers so much, it's fucking unreal.

>>54402743
I make 51k/y and live in nyc in a 1 bedroom apt. Only save about 10% of my pay, but cost of living is higher here. Have no idea how someone could be paycheck to paycheck on 100k, unless they are supporting a family

>>54403360
>>54406505
Both of you are retarded. Put it in a money market fund at fidelity. Its as liquid as cash in a checking account + its earning 4.5% per year

>>54406411
>t. american circumcision

>>54410330
Yeah, but you're a city nigger without a car, etc.

>>54402697
$113k a year in Orlando. $1800 on rent, no car payment. $70k in bank account from a home sale, waiting for one last dip before investing it. I don't feel bullish hence why I'm still holding it. Outside of rent, I spend maybe $100-150 a week in expenses. No clue how retards spend so much money on useless shit.

>>54402697
This is why I really hope AI takes off and we get good automate trading stuff using it, I'm a shitty trader myself, so that's why I say that, but until that day comes, I guess I'll just cope with stuff like CryptoGPT kek

>>54411188
There's not a single verse in the Bible saying that retards will inherit the world, and still there we are

>>54411188
Just fucking learn how to do it, also, there's a deep sign anon, dubs, trips and dubs again? Come on, you gotta be good at something

>>54411188
nice dubs

>>54411261
It's not but "there will be no rest for the wicked" exists so it's basically the same

>>54411188
Get fucking real anon, learn how to code and then give your job away to AI

>>54411188
Stop being a little bitch.
Learn ict smart money concepts. Study for 3 to 6 months. Buy a funded futures account challenge and pass. Change your life and be the best you can be.

>>54410366
Just lol trusting your money in banks nowadays.

>>54405042
$100 for your internet/phone plan is good at least. I pay about $200. Your rent is insane though. You're making someone else very very rich. I hope you completely break your refrigerator or smash the toilet once a month to make it worth your while.

>>54405042
3500 in rent just to be surrounded by a bunch of stinky pakis lmfao

>>54402697
My first time coming in this board in a long time but

I'm late 20s live at home and work remotely, I help out with rent and the bills

Make around 54k

I also fuck around on the job, kek like rn


I buy monsters almost every day and I fuck escorts in Tijuana since it's not a lot compared to United States cucked prices

Like for $130 I fucked a 19 qt raw for an hr and came in her mouth, then we cuddled and chilled afterwards

I get tested regularly and have never caught anything

I think I'm like at 60 ish girls, I also fuck regular girls too though

I'm banging this asian chick this Sunday

My goal is to get dual citizenship in Mexico and then go live down there in a big city, probably CDMX or by the beach making dollars and fucking qts

I'm studying to get a higher paying remote job

Life's not bad I guess, I could have been born in Africa or in Ukraine fighting some retarded battle