/biz/ - Business & Finance

>>57454332
Being born to middle class parents

>>57454332
Tinder platinum
GME

>>57454332
quit my job and go to university to pursue a "real career"

>>57454332
Having money in crypto when Gensler was at the reins

not selling link

>>57454451
THIS IS ME AS WELL BRUH. das the worst decision ive ever made. university is a useless piece of shit. better invest all ur money in btc and stake or swap em using rango. then u good.

>>57454332
clicked a shady link and lost 40k

>>57454494
How does that work?

>>57454768
Wallet drainer

>>57454494
can you elaborate by chance? most people never describe exactly what they're doing, or even have the cognizance to realize what they did wrong afterwards. its pretty important that people that lose crypto explain exactly as how it happened so other people can learn how to avoid it

from my understanding clicking a link should never be enough. its either a) clicking link + signing a malicious transaction or b) downloading a malicious program + executing it

please be as descriptive as possible

I fell for the "living life" meme in my 20's, bought brand new cars, nights out, experiences, holidays, whatever I wanted.
If I had invested that money instead I would be a multimillionaire now in my late 30's and set myself up for decades of comfy.

>>57454486
you type like a retard

>>57454332
leverage
shitecoin that went -99% in a day
LUNA
leverage again
trusting biz

>>57454332
thought i wanted to be a doctor. wasted $5-10k of my own cash on studying/applications/interviews and $40k for 1 semester of student loans, before dropping out. kek.

>>57454849
it was a) for me. pretty easy to fall for though, if the scam site is injected into a legit site and the metamask popup just says confirm allowance and you are condioned to interact and confirm anything with metamask on that site

>>57455029

Sorry to hear that. A boomer will typically blame you, by suggesting using an adblocker, but in reality with society being as shitty as it is, that's the true problem and boomers are the cause of it.

>>57454997

Probs why he's a drop out.

>>57454486
I went and it was really fun

>>57454997
>>57455074
>>57455078
it's a paki shill, they think name dropping their shticoin in the middle of a somewhat relevant post is organic and clever.

>>57454332

Not following one the three rules:

> don't do drugs
> don't have a kid out of wedlock
> don't hold a felony

Which one I didn't follow is up to you.

>>57454332
I don't withdraw all my money before the omicrom new headline and then it was out out of it's misery by Russia V Ukraine.>>57454332

Getting a degree in mechanical engineering

Not having invested in early stage of btc back in 2013 when I heard it, preferred put 30k $ in university. Did the same avoidance major meme coins at early stage. Will not make the same mistake with the Bitcoin of Memes Coins. $4chan.

>>57455085
Most drugs are fine if you're not an addicted retard
My gf doesn't want to get married so I have no other choice
Irrelevant unless you want to hold public office or buy a gun

3/10 shit advice

>>57455250
Plenty of jobs will overlook felons and it can be pulled up by anyone who has your full name and is willing to pay.

Also you aren't "forced"

>>57455029
yes thats how i assume it always is, but theres so many people that report losing crypto to "clicked a bad link" when thats literally only half the story and the much less important half

just gonna assume thats what happened. theres so many misconceptions in crypto. im like 99% sure you can A) click any link you want B) connect to any site you want C) sell/burn any scam token you want (they wont be sellable, but you can try on a legit exchange)

common understanding is you shouldnt do any of those things, and im pretty sure they're all 100% safe

Short to pay for my university re-admission fees, just lost job, i don't have any way left to manage, I try my best. Can anyone bring a helping hand towards me? Any help will be appraciated.

I really want to continue my educational career. Any helps will be life saving

Had a dumb smelly annoying kid

I should have pulled out bros

Investing in a Chinese ETF tracking the CSI.

Down 18% so far (still not sold, milk me, daddy Xi!)

>>57456037
>he fell for the having kids meme

>>57455250

Cuck & cope

> t. post

>>57455290

> plenty of sub par jobs paying not even a livable wage will overlook your felony

This is true.

>>57454332
Didn't dump student loans and grants into BTC over a decade ago.

>>57454332
quit my shitty job and withdrew my 401k because I thought a recession was coming, then decided to day trade for a living instead of look for a better job. Now I'm broke and back at my shitty job but this time I'm a month behind on bills with a car trying to self destruct

>>57454332
Not selling. I wanted to sell but I was scared to, I was scared of missing out.
If I had sold I would be rich now. Just by following the exact same path I followed in the past 2 years but with the extra money.

>>57454332
It's true, wives and children are financial leaks.

But cooming in women and having children is kind of an important part of self actualization for most people despite the financial downsides. Human evolution demands it.

>>57454332
having a kid accidentally
I mean the doctor told her she couldn't conceive without IVF and told her again after she gave birth

>>57455250
All three of these responses make you sound like a dipshit 19 year old
For the love of God don't have a kid outside of marriage just because your gf is being retarded, get a different one that wants kids

Eating a hooker's ass out, got some shit hurting my throat, went away eventually, never again.

>>57456151

When a recession comes, you double down on 401k investments.

Not investing my money in the mid 2010s because I was waiting for "the big crash"
Not investing in 2020 because i thought the consequences would be bad (they were anyways but now I don't have the gains from it).
Not hard shorting the market in 2022 when I pulled all my money in February.
Damn all my mistakes are just not buying. Still making that mistake today.

>>57454332
All inn lucent technologies in 2000.

>>57454332
not buying more INJ early and won't do that agin that's why i'm buying more BTCdragon now.

>>57454332
Missing out on Supra crowdsales last year.

>>57457718
Don't miss the upcoming Supra TGE, a game-changer in the blockchain data industry.

>>57455078
what did you study

>>57454946
Guys who did that resent not being able to enjoy their 20s. The grass is greener

>>57454332
Getting married.
>$15k engagement ring
>$5k wedding ring set
>$15k wedding ceremony and
>$8k honey moon
Plus tip

>>57454332
Going to college, unironically.

Selling my 500 eth at $160 or so.

Maxing out my credit cards for options trading and losing it all ($50k in CC debt now)

Yeah its been a rough ride. Im a lucky guy in general though. I have 2 aryan children and a tradwife who know next to nothing about any of it. I'm just going to have to pull through. Grin and bear it.

>>57454332
ignored early SHIB posts (only got 12x)
didn't put $1000 into DOGE

>>57454332
Selling my stocks when covid started. I intended to buy back lower but it dipped for a short time only.

>>57455093
People always says this but why is there so much doomerism in engineering

Looks so much better than my measly nursing aide job

>>57454332
Nothing. God created my problems by making me 5'5.5"

sold a couple hundred btc for about 30k in profits.

Got pretty heavily into option trading, mainly 0DTE on SPX. Blew like $200k in three years.

>>57454332
Buried $500k PMs in woods and can't find burial site

>>57460502
Its cause Mechanical engineering is far more difficult than CS or any business degree yet pays like absolute shit because they outsourced everything to China and India then made this stupid globohomo economy where all the printed money goes to unprofitable tech companies instead of jobs that make realistic improvements to society even though it's far more difficult now so millions of people went into software instead of engineering and our bridges and roads and planes are falling apart while diverse tech adjacent wagies with hr degrees are making 250k salaries while their company loses money every year because the world doesn't need 15 competitors to every market niche

>>57460502
>nursing job aid
Why the fuck are you comparing two fields with different education levels? RN nurses vastly outperform engineers when factoring in hours worked. RN nurses also reach the 6 fig mark basically year one while engineers need a few years first

>>57454486
Here's the question... $100,000 loan at age 18 to go to university, or to be used on investments?
If I invested $100,000 in btc in 2012, I probably might have been able to pay it back.

>>57460586
No fuckin way. Story?

>>57454332
Going to college

>>57460502
>>57460594
>>57460641

Here's a little secret from a long time engineer:
Start your own niche company and rake it in. As long as you are working for someone else you will make dog shit.

>>57456232
It's the only legitimate form of initiation we have left. People without kids will forever be children. It's only after the looks have finally faded at 50+ that it really becomes overly sad and weird

I sold a house in 2020 and started renting with the plan to buy a house again now

>>57454494
You signed the transaction you sticking retard

>>57460293
>$15k engagement ring
Are you fucking retarded?

>>57454332
Buying XMR instead of Bitcoin.

>>57454369
delet this

>>57454332
>worst financial decision

I graduated from a T20 law school and my degree basically guaranteed a Big Law™ job. Instead, I went to seminary and worked in church ministry for five years. The financial trajectory of my life was significantly affected by this decision.

HOWEVER, I met my wife while in seminary. I was her first boyfriend. We have a family now. I pivoted back to law after we got married and I am making a decent salary at a boutique firm.

My gfs prior to my Jesus career detour were high body count Ro*sTies. I believe I made the right decision even though my salary is ~1/3 of what it otherwise could have been.

>>57454332
Sitting on /g/ when bitcoin was worth pennies and people were giving out hundreds of them for free, and not giving a shit

>>57454332
Any dollar spent on a woman.

>>57461338
Living the dream

>>57461404
Praise God from Whom all blessings flow.

besides getting married before making it, buying too cheap a house, should have maxed out my budget. Selling crypto too early last bull. not moving to Puerto Rico in 2020 so j could qualify for no tax by the time I wanted to cash out.

>>57456037
Next time ask your wife to birth your child into wealth. Then take his money.

>>57460167
>tfw was perpetually broke uni student in my 20s
>did 2 degrees absolutely burying myself in debt
>graduate into the pandemic
>finally found a job in my 30s
I never got to enjoy my 20s AND now I'm a 35+ yo debtslave. I reckon this is somewhat more common these days though.

Getting married

>>57454332
A four year BA degree from a private college.

>>57454332
not selling

>>57461425
Nice six-finger AI hand, retard.

>>57456362
you should get tested mate. You might be an asymptomatic carrier of an STD that could sterilize you or infect your next partner

>>57454332
Over time I've lost about $400k in trading and poor investing. I guess it's the cost of learning. Hopefully I will make double that over the next couple of years

>>57454332
Gamestop

Worst financial decision, and it isn’t even close, was getting a degree in Mechanical Engineering.

Dogshit pay compared to all other white collar jobs, difficult work, long hours, stressful, and opens zero doors to other high paying career paths because everyone thinks you fix cars or you’re a fucking train conductor.

>>57454332
I have a criminal record for some dumb shit I did when i was 19.
Now entrepreneurship isn't just an option, its the only option.

underage gambling

Bitcoin hardwallet/hard drive in a time locked safe so I can't open it until 2033. But I have a few hundred k in bitcoin.

>>57454369
*lower
None of us were middle class just because they had 2 cars and dad's work truck.

>>57454451
This. So much fucking this.
I thought it would feel more "meaningful", that I would find "purpose", fucking load of crock, most people will never find meaning in work

>>57454332
Being born and actually investing in LUNC a week after the crash. Should have invested a day after the crash, now a week after the crash was kinda the ATH that hasn't been broken in fucking 2 years now I think? We got close in December but it all bled out again. Fucking Lunc and now Terra Rebels are back at it grifting. They still have no real work to show. They changed 1 line of code and charged like $50,000 for it.

>Spent more than the equivalent of $4000 on driver's license (I still don't have it since I simply cannot drive on highways)
>Wasted 5.5 years at uni (master's and 6m virtually unpaid researcher)
>Started investing in 2021 (when the market was quite literally at its peak) because my parents who have been investing for a long time convinced me to just blindly buy
As a europoor, I have lost a lot of money because all of this but in the end my net worth is still pretty good since I now found a pretty alright engineering job. Actually it's not even the money I am worried about. Who gives a shit about money? It's the time that I lost that keeps me up at night. So much wasted time. I have never applied anything from uni.
But that ain't uni's fault. I got really bad skin problem at that time so I never really socialized and that's uni's primary goal... to acquire a good social network.

dcaing into ethereum instead of buying lump sum (my first buy was march 2017)

>>57455558
i have over 6 figures transactions. that's amount of transactions, not value. that is to say, i'm interacting with almost anything and everything on the blockchain. some people are terminally online, i've been terminally onchain for the past 6 years
never got phished a single dollar
oh, most of this on hot wallets too
i don't blame people who sign approvals without checking, but i don't buy the idea any of the actions you listed is dangerous either. it is cargo cult mentality from interface confusion

>>57462184
Will be an amazing skill after The Fall

>>57460658
Please tell me which bank will give $100,000 to an 18 year old.

>>57454332
Staking memes

>>57454332
buying a pharmaceutical scam and getting rugged (SNSS to be exact).
luckily i only put a little less than 10% of my net worth into it.

bought $5k in FTM at ATH

I bought $40k worth of TSLA in 2019 and flipped it the same day to make a grand. At least I held on to my NVDA

>>57454332
being an alcoholic in my 20s

>>57461338
big law is gay anyways

I'm about to graduate from a t20+1 (literally ranked 21) in the top ten percent of my class and I can't get a big law gig because I have 2 semesters of withdrawn courses on my transcript. I had to go to rehab for my character and fitness...

2 years sober but it don't matter to those pricks

>>57454946
Ehhh I think you won dude calm down you never get that time back.

>>57465001
Nope, financial freedom is the best thing to buy. Imagine not having to fear your boss/loss of a job.

The more you spend the more you tighten the chains on yourself.

>>57465029
Time for what? Unless he is starting a family it doesn’t matter. As a grown man you can get by on $12-$24K annually if you have no dependents. That can be done with a comfy security guard job watching Netflix. I love you alls autistic approach to finances but sometimes wake up and smell the roses.

>>57465054
It a self respect thing, you can still budget good experiences and not fuck up your finances.

I budget a international trip every year but I sacrificed alot of things like living with parents. However based on my estimates i’m on track to retire a multimillionaire.

Can someone help me to pay for my university semester exam fees? I have only 18 hours left, short of 1300 usd, just i don't want to lose my entire educational background. Can someone help?

>>57454332
Not buying LINK when it was cheap as shit. I'll never get over this.

>>57465081
Self respect by what measure? A 16 year old in the states could make $20K easy with their own business. An 18 year old $40K. I’ve seen them do it and have done it myself. Why do you think you need multimillion reserve notes to gain freedom or independence or self respect?

>>57465420
Is there anyway you can help me to pay for my university semester exam fees? :(

Using my GME money to buy more Palantir.

>>57462185
No skill trades are great. You can shovel snow for $50 an hour. Over $100 an hour when you leverage the work of 1-2 guys with you. Seasonal gigs are great. Do not fall for the gig economy trap. Only use it if it enhances your current business in some way.

After 2022 going bad I put my money into an 80 bond 20 stock portfolio because I thought it was safe.
Lost a minimal over the year but lost a fortune in opportunity cost.

>>57460586
I found it, don't worry.

>>57455016
you did well, dodged a bullet, although for a hefty price

>>57465420
I’m in a stable career, so I don’t see the path of entrepreneurship being a thing at the moment.

Personally I just want millions to retire comfy, but my NW already pretty high and it comforting knowing you don’t have to fear a bad boss or a lay off.

I’m in a layoff environment right now and I’m waiting to see if they’re gonna offer voluntary severence.

>>57460842
>Start your own niche company
Yeah hadn't thought of that! Stupid fucking boomer

>>57465597
that was 10 years ago. desu if i could go back in time i would have 1) applied to dental school and 2) stuck with it.

>>57455029
>having 40k in a browser addon
youre the mistake

>>57454332
Not selling everything I had on 11/10/21.

>>57456232
Evolution only works if you improve and move forward. There is no upgrade in becoming a 5'5 brown goblin because the economy demands quantity over quality. (Unless you mean evolution as in adaptation to anything)

>>57454332
Refused to sell off my LUNA until it dumped, right now I'm accumulating heavy bags of FAT to get back my retarded life. I'm gonna make it

>>57462433
lol
ameriburgers are unironically insane
most lower class people don't even have 1 car, and if they do, struggle to pay maintenance costs and gas
fact is, being born "poor" in burgerland remains a silver spoon relative to everywhere else
you just want to dream up a victim narrative to feel better about your underachieving. but your failings are solely your fault

>>57460167
nah this is mostly cope
i was a monk in my 20s then i started dating teenage girls in my 30s, who introduced me to their similarly aged social circles
all the benefits of college, minus the awkwardness of being that age

>>57456741
That’s what I did with the last bear market. It is hard tho. I bumped up my Roth from 5% to 10% and went from 200 a check in my after tax brokerage over double, whatever I could afford really. It hurt putting $450 into my brokerage after two weeks of work and the account is down 1k in a day.

>>57455085
You had a kid. I know because you sound like a smart guy with a kind heart.

>>57454332
Taking a full ride to a mid-low-tier university instead of going to a higher-ranked school for what would have been closer to $40k. Also art instead of engineering.

Sold all my ETFs middle of 2022. Was fearing a massive crash. Should’ve kept it in and I’d probably have close to 300k or more right now.

>>57466145
>>57466164
Have you tried therapy?

>>57465446
Post your adress btc

>>57466400
3AVFRPVTiMVjZEiKdp6oKJJKSWYqKNPFP7
Thank you so much you don't know how much this means to me.

>>57466400
this guy is a scammer
he's literally begged people before and has gotten over $250 dollars

>>57454332

Not buying Bitcoin in 2009, 2010, 2011...

Getting addicted to camwhores

>>57454332
I kept repairing my car thinking it would stop breaking down. it's back in the garage again

>>57460594
sounds like you've been through it man

>>57454332
I just want to tell everyone that life happens. Your stories are that of growth and learning, and there's no other possible way your life could have been any different. The path you walked on has been your destiny. Love your fate.

>>57454369
/thread
except for me it was lower class

>>57465562

Audible kek. Thanks anon

>>57465321
Reason why I'm pushing positively towards RIPCHM early, a Solana Memecoin that will go parabolic after the launch.

>>57466983
No i haven't

>>57454332
Not going all-in in QLD and TQQQ in 2020. Instead I just DCAed my way like a retard. At least I boarded the train, but nowhere with enough money, nor with what I could.

>>57454369
this... they told me I was lucky instead of telling me the truth, took me 30 years to figure it out myself. still mad about it.

>>57461851
>found a job in my 30s

So you did nothing in your 20s no fun no college

>>57454332
Refinancing my home
twice
jews told me to do it

>>57454332
Moving from my 80k house in a shitty area to a 360k house in a nice area

>>57455250
>Irrelevant unless you want to hold public office or buy a gun
LOL less than 10% of population has a felony conviction. these people only work shit jobs no one wants.

>>57467900
>he didn’t read millionaire next door.

I plan to retire in a third world country in affluence.

>>57468189
Which country are you looking at? Not third world, but I was looking into Portugal (comfy weather 365 days a year, still in EU, close to home, not the cheapest but cheap enough), alas they're changing the rules. And I don't think I'm ready to go to some mudslime third world country in SEA where they write with runes.

>>57460345
>>57461338
>Muh roastie whore wife
Kys redditcunts.

>>57465245
Sent

>>57468676
I’m going to Vietnam, I am a diaspora so long term stay is no issue for me. In fact it cheap as fuck.

Most countries in SEA five their diaspora permanent stay in the country.

>>57454332
Moving in with my girlfriend when I was 22 for easier access to pussy, instead of just staying at home with my parents. It was because of her I was forced to get my first job at 23 and help pay the bills. I literally lived paycheque to paycheque for the rest of my 20s; paying rent, eating out, going on holidays, etc. She was even worse with money than me since she earned more but would max out her credit-cards and take out loans purely to consume. In a way I would have been happier just being a NEET sitting on my PC at home and jerking off to sexy girls online for free.

>>57454946
Kek you'd complain if you did the opposite only 20yo millionaires ever enjoy their life I guess

>>57454332
Not buying SUI when I had the opportunity. Now not missing the ecosystem project like Hydro online that is yet to launch it token.

>>57454369
>>57461282
>>57467146
>>57467468
>Being born as the most privileged person on the planet
>bad financial decision

Is this some irony I didn't understand?

>>57454369
my grandma said my future career could be, and i'm not joking "space janitor"

>>57471138
If you were born middle class you can do that, the middle class can do unironically anything they want.

>>57454332
Sold a house in 2013 to buy a new one
one year later the house I sold doubled in price

>>57454332
Accurate pic. Manmade whores beyond comprehension.

>>57471138
Did she ever play Space Quest?

>>57454332
I would say gamestop or hbar but honestly, it's just listening to y'all schiz about muh great reset and everything.

My normie brother just invested in ETF and has double my net worth 3 years younger than me.

Oh well, some stuff you learn the hard way.

>>57454332
It's either:
(1) Not going to an Ivy.
or
(2) Not selling when BTC failed to hold 65k.

>>57462535
>This
poor bait, no one even bit

>>57468687
The point of my post is that I exchanged financial compensation for a wife who is not a roastie whore.

>>57471138
4chan is internet space.

thai hookers

I have developed a hooker addiction. Unironically enamoured with a 55y asian that lets me bare back and creampie her I see her once a week.

>>57454332
multiple. so far:
- invested in stocks without having a single clue about the stock markets
- left multiple jobs instead of having another job lined up ot having them fire me
- wasted a bunch of money renting with my gf. I own part of a really shitty house and I could live there but instead decided to live with her...

Had 900 shares of AMD at a $9 avg. Wrote covered calls at $40 in Dec. 2019 and had them all exercised. Got pissed and revenge traded all of it on Puts in Jan and Feb 2020 that expired worthless. Mostly because I knew about the upcoming covid shit ahead of time thanks to 4chan but my timing was off.

Had to pay tax on 2019 profits while losing it all. Still writing it off and now AMD is looking to hit $200. Kills me everytime I look at it.

Also almost bought BTC when it was under $5 back in college working helpdesk and all us nerds were talking about it. Got like halfway into setting up the necessary accounts and decided it was to much trouble and went out instead.

Was going to buy some SOLO, at 0.06, decided to not rush in and do it the day after. Played a game of league instead basically. The next day solo hit 0.60 and went to $6. Think I bought in around 0.30 or something, still made 10k or so but worked out it would of been around 300k if I just didn’t play that game of league

1. I didn't sell the last cycle top. Portfolio when from 350k ATH to 30k today.
2. I didn't buy the bottom. I'm still all in on stables.
Any advice?

>>57474218
>Portfolio when from 350k ATH to 30k today.
what were you holding, dot?

>>57472607
Same.
Get out if you can. It will not end well.

>>57474231
FTM, with some leverage

>>57454332
Buying the high of ETH and selling the low of it in 2023 meanwhile I'm still crying. The only easy decision is I'm getting that DUA airdrop.

>>57471138
Watch planetes

>>57474596
and also my cock is massive bro

>>57460586
You are going to make some kids day in a few decades

>>57454332
Dont faded flexbot launch on uniswap shitbag

>>57467631
What's so bad about this? Did you cash out all your equity or something?
I refinanced a couple years ago, going from 4.5% to 2.8% interest rate, I didn't cash out the equity though. It was one of the best moves I made. Brought my $1100 a month mortgage down to $685 and I have been DCA the difference into LINK ever since

>>57454332
>What was the worst financial decision you've ever made?
Buying link at 18 cents

>>57454332
I sold like 7000 LINK in April of 2019 right before the pump to $1

>>57454332
Not getting a fixed 5 year mortage when interests rates were at an all time low.
Got a two year instead.

>>57471138
Silly granny, jannys work for free

>>57469278
>In a way I would have been happier just being a NEET sitting on my PC at home and jerking off to sexy girls online for free.
Literally me rn, Kek!!!, but my headphones broke & I'm looking to build a PC so need a yob

>>57454486
>bruh
>das
>u good

No wonder college didn't work out for you.

>>57454332
I invested $50,000 in a farm that I rented, but the heavy rains destroyed everything and now I'm out of money. I'm on the verge to become homeless.

>>57476813
>in a farm that I rented
Elaborate.

>>57454332
being a neet for 7 years

>>57454332
recently paid OF girl 35$ for a gangbang video that i had for free. Also made video of me cummbucking to that video. I live the best life possible. Ether BTC hits 1 000 000 or i kill myself soon .