/biz/ - Business & Finance

im pretty sure this is a thing regardless of generation

its like people who can't get anything done unless everything is spotless

they were raised to believe over-organization is somehow a cure-all

the only things you should ever write down, are ideas

>>55916821
You're a retard. This is clearly them showing off some money diary template people can buy off her Etsy which absolutely no one buys except disgruntled parents who's kid keeps sending money to twitch camwhores

>>55916821
That's just a piggy bank with more steps, retard.

>>55916821
They're fucked because the new era of rampant inflation and bank failures are going to make saving fiat redundant so they'll adjust their saving/spending habits accordingly. Putting fiat in a piggy bank and expecting a steady return in 50 years isn't going to cut it anymore. Zoomers never had a chance.

>>55916846
>except disgruntled parents who's kid keeps sending money to twitch camwhores

Looooool yeah npcs will never fail to amaze me

Apart from food I buy nothing. I have been wearing the same t shirts for the past 16 years now

Yes I have a girlfriend, she buys shit constantly. Luckily she has her own money

>>55916846
You severely underestimated what stupid shit women buy to "help" them, though most never use it, but feel like they already did something by buying it

>>55916999
You just put into words something I've thought of for a long time. Bless you and your kin

>>55916821
>zoomers
I doubt this roastie is a zoomer, but it's hard to tell these days.

>>55916999
Its like them spending a lot of money and time buying "gym clothes" rather than actually going to the gym

>>55916821
>5k savings challenge
I save/invest almost double that every month lmao

>>55916821
>don't buy overpriced coffee
>have twice the savings
ez

>>55916821
>He's not "Cash Stuffing"
ngmi kid

>>55916821
Diaries have been a thing for hundreds of years and it's called budgeting, it's been around forever.
Grow up.
You're lame.

>>55916842
>the only things you should ever write down, are ideas
Budgeting is an ideal you slow fuck.

>>55916821
>arm sleeve tattoos
into the trash it goes

>>55916821
most kids today were born with autism guaranteed, no one bothers to learn anything outside of tik tok, they're screwed
I had fun being a retarded knuckles back in the day and I still do with Da wae, but this is just beyond me

>>55916821
>>55916821
So in 10 months she will have 5k?
Not bad, but with inflation at 6% she will only have $4700.

If she tossed all that into an investment portfolio at 10% she could have 5200.

Also pro tip. Take your grocery money out as cash. Less likely to overspend when you physically see it.

>>55916821
im 33 and i use notion to organize my expenses
its so over

>>55917434
5200 after inflation, but still a 10% difference in value.

>throw $400 every two weeks into USDC at 4.6%
I don't even need a book.

>>55917423
did you ever find your queen?

>>55916821
ah, those darn younger people huh

>>55916821
>kids of today?
I'm almost 30 and I am FUUUUCKED
Idk why but I just keep self sabotaging myself. A girl I loved to death made me feel like a looser and I've become the biggest looser alive, and I cannot for my life care about anything. I've wasted all my savings on renting a place because I was too ashamed to face my parents and friends, and now I've just finished blowing through all of it and have moved back in with my parents and I'm constantly on the verge of a breakdown. How do I get out of it? I'm constantly thinking of an heroing but my best friend did that and I can't possibly do it to my parents and sister, but its all I fucking think of

The Zoomer in the video is way ahead of 90% of the population with that mindset

>>55916821
Jfc it isn't even that hard to save $5k lmfao

>>55916842
I write down my desires for the future to help ground the idea then burn it as an effigy since I don't have a 'real' religion to fall back on for similar spiritual mindfulness. Also because I don't want my wife to see.

>>55917202
clearly overpaid

>>55917434
>investment portfolio at 10%
Because this is so simple

>>55917401
If you need a planner to budget you're definitely NGMI
I just move money across like 8 accounts and manage it that way, I don't need a planner

>>55919333
My portfolio is 11% ytd, snp500 averages 9.1% and there are funds that regularly best that like Berkshire Hathaway, might not be super simple but it's exactly Albert Einstein level physics either.

>>55919389
*Not exactly

>>55919389
Just be yourself, anon.

>>55916821
>Brown hands
>Physical cash
>Not a spreadsheet
Sad.

>>55916821
If you're an adult can't you just pay your bills off on the first of the month and subsidize for your lifestyle and the next month?

>>55919389
Then you are doing better than 98% of all hedge funds and traders and most anons on this board. The vast majority of investors lose money

>>55919750
The reason most investors lose money is because they constantly look at the market and want to time it and withdraw. Most Investors who do make a profit forget they had an account OR died. Just Don't check for 30 years and you'll be fine.
https://www.thegoodinvestors.sg/are-the-best-investors-dead/

from my time spent on this board the biggest people who lost were scared of a meltdown and tried to time the market and withdraw everything.

>>55916821
Try to remember how long it took you to build good habits.

>>55919788
It's also why BTC won't actually crash. If the S&P 500 has been rallying for 100 years. BTC will keep rallying for much much longer.

>>55916821
Are you saying that keeping track of your spending and maintaining a budget makes one stupid? Never change /biz/, keep buying your little scam coins.

tfw no qt saver gf

damn that's the perfect product for women. I'm impressed, every single female that sees this is going to think "omg that's so cute, I should do that, it looks so satisfying!". Why didn't I think of making that stupid little book lol

>>55916846
Kek this Anon gets it.

>>55916821
Saving money makes no sense. It worths less as time progresses.

>>55916821
People have kept financial logs for centuries. What are you on about, and I'm a millennial.

>>55916842
>its like people who can't get anything done unless everything is spotless
I'd say wanting everything to be clean is not the same as overcomplicating a concept like saving. She is literally spending money on her gay stickers and book instead of leaving the money on her bank account. This is just farming views on tik tok.

>>55920244
its basically impossible for inflation to continue at these rates. and if you look at the prices of things like food staples, energy and housing you'll notice it has largely stabilized since the fed raised the rates and made it clear they are keeping them high.

when all the normies are out there freaking out about inflation that should be your surest sign that you should start hoarding cash.

>>55916821

Diligent in saving and recording each day, amassed thousands.

Gets robbed of diary from African.

>What's up? Money money money