[ 3 / biz / cgl / ck / diy / fa / ic / jp / lit / sci / vr / vt ] [ index / top / reports ] [ become a patron ] [ status ]
2023-11: Warosu is now out of extended maintenance.

/biz/ - Business & Finance


View post   

File: 2.85 MB, 2034x1154, Screen Shot 2024-02-15 at 12.03.12 AM.png [View same] [iqdb] [saucenao] [google]
57614095 No.57614095 [Reply] [Original]

thoughts on my 5 year plan?
current stats
21 years old
$45,000 saved
no postsecondary education
no debt
live with parents
job: delivery driver
monthly income: $3,000 - 4,000
relationship status: volcel
ok, here's the timeline
february 2024 -
buy 2017 honda civic for $12,000 (confirmed)
may 2024
move to the ghetto with my friend, his girlfriend, and my cousin (confirmed)
rent + utilities will be $400
cell service - $10 per month
no netflix/spotify/youtube red, etc
I will abstain from fast food and buying clothing
savings goal: 70% of income
june 2024
furnish and decorate new house
set up home gym in basement
reactivate tinder and hinge
reactivate ebay account
ride bike to work and to run errands (save gas money and reduce mileage on car)
use car to drive to neighboring city (45 minutes away) to buy groceries from costco (save money on bulk food)
cheap date ideas: cooking food together, picnic (new house is by a lake), hiking at state park, etc
cheap ideas for hanging out with bros: xbox lan parties of old games, going to state park, hanging out in neighboring city
july 2024
small trip to water park with friends (maybe)
play tennis with friends
fall 2024
continue working, saving
winter 2024
work a lot of overtime, friends will be out of state
will have to drive car to work
hustle mode
beginning of 2025
continue to acclimate to new living conditions
continue to save money
will probably have a girlfriend by now
august 2025
quit job
enroll in community college in neighboring city (can't return to local CC)
briefly live off of savings
2025-2026
seek part time employment
commute to classes 3 days a week, work other 4 days
savings pay for tuition, job pays for living expenses
September 2027
transfer to state school
major in something to do with renewable energy, conservation, or natural resources (biosystems engineering, sustainable agriculture, etc)
spring 2029
graduate top of class
propose to gf
fall 2029
get high paying job with good benefits

>> No.57614129
File: 30 KB, 510x350, IMG_0358.jpg [View same] [iqdb] [saucenao] [google]
57614129

You call that a 5 year plan?

>> No.57614135
File: 138 KB, 805x772, Screenshot_20240214_220914_Chrome.jpg [View same] [iqdb] [saucenao] [google]
57614135

>>57614095
Faggot zoomer just kill youself now

>> No.57614141

>>57614095
>propose to gf
ngmi

>> No.57614162
File: 81 KB, 750x1000, 1702926212599929.jpg [View same] [iqdb] [saucenao] [google]
57614162

>>57614129
>>57614135
>>57614141
it's a rough draft

>> No.57614183
File: 1.40 MB, 3027x2001, IMG_8405.jpg [View same] [iqdb] [saucenao] [google]
57614183

>>57614095
pay rent hahahahaha

>> No.57614242

>faggot(confirmed)

>> No.57614246

>>57614162
If you were smart you could make it without college, I just turned 30 this year and I make 125k net with no degree. Half the shit on your list is a waste of time
> 12k car
> college for a green degree
> biking to save vehicle mileage
> work OT (most businesses will not let you do this unless its a shitty physical labor job)
> live off savings
> graduate top of class (top kek)

>> No.57614268

>>57614095
What is wrong with you?

>> No.57614361

Sometimes I forget how retarded people are when they're early 20s. Just buy crypto and ride the wave faggot

>> No.57614400

big boobs

>> No.57615125

>>57614095
you're going to get into a car accident and the doctors will have to cut off your bottom part and you will be only be the top

>> No.57615575

This board is excessively spiteful

>> No.57615633

>>57614095
No, i won’t watch porn. I will have sex with big boobed real life women.

>> No.57615716

>>57614095
45k saved and all in crypto?

>> No.57615946
File: 7 KB, 230x219, IMG_7826.jpg [View same] [iqdb] [saucenao] [google]
57615946

>>57614095
>go to waterpark with my friends (maybe)
>will probably have gf by now
My fucking sides this thread is so autistic it has to be true

>> No.57615985

>>57614095
That's a fucking long story. Tell em you're in on RWAa and solid projects with account abstraction features.

>> No.57615998

>>57615985
That's where the likes of Brillion and AllianceBlock come in play.

>> No.57616024

>>57614095
Sounds good to me bro I'm 22 and been living on my own for 3 years. I will say though I remember having ideas and motivation about saving "insert percentage here" a month but when you're out and about expenses and purchasing will pile up. Since you're moving in with friends I'm assuming you guys will go out, eat out, buy stuff together. It's a hidden exploit glitch that will sap your bank account silently over time. Also I would say don't set strict timetables on life. Have a general idea of what you want to see yourself becoming but don't be disappointed when that thing doesn't happen in the expected time you want it to happen. Adulting can get weird sometimes and you come across opportunities and events that can throw a wrench into things. I'm young and still navigating through adult life but I like the independence

>> No.57616088
File: 46 KB, 640x513, IMG_8866.jpg [View same] [iqdb] [saucenao] [google]
57616088

>>57614095
What kind of delivery driver makes 4k cash to hand
What the fuck is this murica
Did you rly devalue dollar that much?
I make 5k euro as a techie in EU at 28

>> No.57616232

>>57616088
think less "doordash" and more "fedex" although i won't doxx my employer
>>57615716
in a roth ira, crypto, and gold bullion
>>57615575
ikr, for no reason :(
>>57614246
>12k car
should i buy a 3k piece of shit that dies in TWO YEARS?????
>college for a green degree
it's interesting and in high demand retard
> biking to save vehicle mileage
it just makes sense
> work OT (most businesses will not let you do this unless its a shitty physical labor job)
you're literally a faggot and probably fat
> live off savings
by that point i will have probably more than 100k saved

>> No.57616241
File: 1.36 MB, 230x320, 1699387133255879.gif [View same] [iqdb] [saucenao] [google]
57616241

>>57615946

>> No.57616387

>>57614095
What level of autism do you have to be to plan your life like this?

>> No.57616422

>>57615575
This is a 30 year old boomer board.

>> No.57616431

>>57615575
You’re on 4chan dumbass.

>> No.57616450

>he's going to ride a bike around in the ghetto
lmao good post

>> No.57616484

You cannot predict life like that.
Is this larp?

>> No.57616543

>>57614095
No plan survive first contact. Have a goal, but be flexible in your approach to achieve it, because when things don't go as planned it's easy to become discourage or you don't know what to do next since you didn't plan for it.

You should invest rather than just saving. You should also read a lot of different books accumulating knowledge and study on your own so that you understand the world and history.

>> No.57616582

>>57616232
> think less "doordash" and more "fedex" although i won't doxx my employer

Ur cringe and a liar. Ur not giving away shit ur just a liar. Ubereats niggas make like 3k a month and u out here BEFORE tax and u casually 2x? Nah fuck off

>> No.57617186

>>57614095
You're gonna get culturally enriched in the ghetto by basketball Americans.

>> No.57617245

>>57614095
Man plans, God laughs
Good luck

>> No.57617264

>>57614095
4 for me

>> No.57617282

>>57614095
4 > 2 > 3 > 1

>> No.57617284

>>57616232
I think the degree is a good idea. STEM is the best type of degree to get, though. Also work through uni unless you are studying something like engineering and you simply cant get good grades while working simultaneously. Take women on dates because you will never again be surrounded by young intelligent women again. Dont waste time partying but do join a dance club or some sort of public speaking club to boost your confidence.
My advice based on what I didn't do in university.

>> No.57617289

>>57614095
Not gonna read all that shitty blogspot

>> No.57618227

My brother, do your thing and forget about these degenerates!

>> No.57618253

>>57614095
I'm convinced Angela White is a demon in human flesh.

>> No.57618275

>>57614095
Skip rent and just buy a bigass lodge tent. Save that money

>> No.57618347
File: 203 KB, 560x694, 1705630683782828.png [View same] [iqdb] [saucenao] [google]
57618347

>>57614095
5/5 bretty good

here's my 3 year plan
>32 years old
>make 250k
>20k in the bank after buying new car. currently avg 4.5% interest
>30k in retirement, 20k in brokerage majority in shit and piss 500
>save 10k a month plus maxed out 401k and put like $500 a month in brokerage account
>save for three years
> take about 400k in savings (hopeful savings account can avg about 3.5% over three years) and buy a house outright
>from then on i can save 11k a month and will start to pump brokerage accounts more

>> No.57618367
File: 37 KB, 600x600, 4122aa2026a9ef7e768019d0defda4fb.jpg [View same] [iqdb] [saucenao] [google]
57618367

>>57614095
When your 18-22 you'll have "moving out" plans but let me just say that it doesn't always work out the way you think it will especially at that age.

>> No.57618371

>>57618347
i forgot to mention i have 100k in loans but my work pays them down every month. unfortunately i am footed the tax bill on the additional earnings. my tax bill is upper 4 figures every year.

>> No.57618390

>>57616088
They give you $20 an hour full timeto knock on doors and tell people who/what to vote for

>> No.57618478

>>57614095
Its not a terrible plan friend but just remember not to take being a shut-in to save money too far. If you wait too long you'll find you wasted your best years trying to isolate to save money when you could've been enjoying life. Not all of the things you'll enjoy in life need an obscene amount of money. I took women to the beach for dates often back before I met my wife. Things like that and nature trails are a good time where nobody expects you to spend money.

>> No.57618497

>>57614095
Who are these semen demens

>> No.57619159

long term plans are useless. you should have 3 to 5 actionable items that are going to produce results within at maximum 1 month. Ex: do 50 pushups today to get fit. work 8 hours OT to increase paycheck.

if you manage the short term the long term takes care of itself.

>> No.57619647

>>57618497
Alex Gervasi

>> No.57619810
File: 559 KB, 1000x1200, 1707748355381303.png [View same] [iqdb] [saucenao] [google]
57619810

>>57614095

How about you come live with me OP?

>> No.57619817
File: 2.56 MB, 600x338, 6e04b3_dbfcf6297b8840beb2e24a86b739ea90~mv2.gif [View same] [iqdb] [saucenao] [google]
57619817

>>57618497

>> No.57619833

Rate my 5 year plan:
>24, 300k nw 32 eth, 3 btc, 3k link, rest in other random shit and 401k
>jlpt n1 will move to japan soon
>currently make 300k/yr will make same over there
>3k month in rent, probably same there
> grind and get good at job to get big bounty payout
> ride crypto to 7/8 figs
> buy property and have dad manage it for a while
> build house in japan
>have kids with wife (now gf)

>> No.57619875

>>57614095
The only performer in that group that I know is Angela White, and I watch porn every single day and can probably name the top 250 actresses if you showed me their faces.

Who are the other three?

>> No.57619901

>>57619875
>>57619647

>> No.57621497

>>57614095
>buy 2017 honda civic for $12,000 (confirmed)
you already fucked it

>> No.57621527

>>57614129
sick reference bro

>> No.57622374
File: 23 KB, 254x105, captcha.jpg [View same] [iqdb] [saucenao] [google]
57622374

>>57614095
>reactivate tinder and hinge
>reactivate ebay account
stopped reading right there. ngmi.