/biz/ - Business & Finance

>>8731213
By accepting depression and loneliness.

Money curbs the sadness but only temporarily and leaves you needing more. It is a drug.

But you might as well do drugs. Much more effective.

>>8731241
underrated post

>>8731241
This
Also drugfag here. I stay frugal by doing a God tier drug known as meth. Costs not much, lasts quite long, stronger than coke. Anyways I do about 3 lines a day because it gets too expensive doing more

>>8731313
sorry to hear about your brain.

Just stay at home and drink cheap liquor/beer.

>>8731313
as a coke head id love to hear more about what meth feels like compared to cocaine

Holy shit I'm so fucking constipated rn it hurts idk if I can go to store

>>8731213
My wife and I are basically stuck in a loveless marriage due to cost savings.

>>8731362
that was a good one, got me laughing, his brain will be mush in ~3 years

>>8731213
Live with parents . Save 85% of my check , perks of being 19 years old.

>>8731362

What got you started on meth? What's it like?

Do you recommend it

>>8731696
Same here, except 42 years old.

>>8731213
By buying heroin

it's stupidly cheap and it's comfy

>>8731658
Protip: The longer you hold it in, the harder it’ll be to get out. Have a bite to eat (unless you’re already full then don’t eat because it’ll make you feel bloated and worse), drink a cup of coffee and then drink more fluids. Dehydration can cause constipation.

Maybe even have two cups of coffee. Vitamin C helps too. Drink a glass of orange juice, then a glass of milk. Your body will be like “what the fuck are you doing to me” and you’ll be shitting in no time.

>>8731696
>>8731715
>>8731722
The absolute state of this "business and finance" board

>>8731213
DON'T SPEND MONEY

HOLY SHIT WHAT A DIFFICULT CONCEPT

Thread theme: https://www.youtube.com/watch?v=8KdPk84hQ6I

>>8731213
I spend all my money on crypto so I can't spend it on anything else

>>8731668
Send her over here...daddy will help her out :::)))

>>8731722
Dis nigga gonna die from fentanyl

>>8731213
How do you become frugal?

Simple. You stop spending money, you *think* about what you spend money on, you track your spending, you create and live on a budget.

Every single person I know could cut 25% of their daily spending easily, and not notice any difference. Most people throw money away on convenience, impulse purchases, ad driven "gotta have it" purchases, and just plain old waste.

Most people I know:
>Have gym memberships they don't use
>Pay for cable stations they don't watch
>Don't cook
>Have no idea how much money and debt they have at any given moment
>Live check to check
>"Shop" out of boredom
>Are easily influenced into buying shit they don't need
>Hoard things like food and cleaning supplies and hygeine products.

I live well. I try to buy the best quality I can, for things that will last. I don't buy "stuff". I don't have cable. I don't spend $6 on a $.25 cent cup of coffee. I don't buy anything "this year's model", I buy last year's, at a steep discount.
I keep a day or two at most worth of food on hand at all times.
I know, usually to $25 less or more, how much is in the bank at all times, and I know how much debt I have. I just paid off a car, so I have only my monthly bills, and a credit card I pay off every month. I'm about ready to ditch my cell phone, as I've proven I can go months without needing more than a flip phone.
I don't drink, do drugs, go to the doctor needlessly, I take care of myself, especially my teeth, and I don't smoke.
Not spending money is not hard. Saving money is pretty easy, and you don't need to be an extremist NEET who puts his pee in the toilet tank, to save $.01 cents worth of water.

>>8731715
33 and still with parents too.

Help with everything around the house and pay my own way.

Fuck stigmas i'm saving money like a champ over here.

>>8731967
It used to be normal that young men would live with parents, until they married, or they lived very frugally until then. I lived in an apartment building that was built at the turn of the century, and it was designed for single men - efficiency studios, basically. The housing boom created this fantasy that a single person NEEDS a whole house to themselves, to sell more houses. I'm older, and when I was in high school and college, nobody lived alone, you had roomates or lived at home to save up a down payment for a house later on.
As long as your parents don't care, you help out, and you're working, fuck what anyone else has to say about it, especially in areas like NY, SF, or LA, where housing prices are insane.
I moved back home after college, I don't mind admitting it. I helped out around the house, worked full time, and when I had about 10k saved up, and moved up in my job salary-wise, I moved out around 26. Granted, having your own apartment is better, but living at home was pretty comfortable, but I got along with my parents, and I contributed around the house, instead of paying rent. I probably saved my dad about 100K over the years helping paint, redo bathrooms, redo drywall, and doing the landscaping for him - and learned a ton about how to do all that shit.
If you're a NEET, who doesn't contribute, and expects mommy and daddy to pay their bills and cook their food and do their laundry, and sits on their ass posting here or playing video games, I have no respect for that at all.

>>8732134
Amen.

I also pay a little rent but the idea is until I have enough saved to pay for at least 50-60% of a house I really feel no need to rent or move out and watch it slowly chip away my bank account. Also not interested in mating until I have the proper financial foundation.

>>8731967
Wat do when you want to bring a gir-
Nevermind.

>>8731241
>>8731213
I'll share my tips on how to save on milk and steroids.
Never buy steroids from that creep at the gym or milk from the store lads. It's no good and way too expensive. Instead, you should buy a gf and put her on the medication to start lactating, then just milk her everyday. Much cheaper legal source of milk and HGH.

>>8732331
Take her to a hotel because your "roommates" are weird.

Are you new to the girl game anon?

>>8731630
meth is pretty much rage and happiness at the same time combined with adhd x9000

>>8732331
You know what I did? I'd borrow my friend's place when he wasn't home, or I'd go away for the weekend with a gild I was at the stage we were fucking, or go to her house. Or just go somewhere outside and fuck our brains out.

I don't know why you guys think shit like this is hard. If two people want to fuck, they'll find a way. Most of the people I knew who camped at that age, did it because they could go out to the woods, get hammered, high, and fuck their brains out, on the weekends.

>>8732936
I havnt fucked with either in over 10 years but Adderall is top tier meth.

If you are doing actual meth you are fucking retarded to not realize the cleaner alternatives.

t. some guy who did a bunch of both in his late teens early 20s

>>8733022

>Cleaner alternatives

What is modafinil

>>8731967
This.

One of my friends in Canada works for the government and lives with his parents. He's a nerd that hardly ever goes out and just torrents all his games. Dude pulls in like 80k a year and nearly a quarter mil in savings at 26

>>8733043
tfw source got banned on reddit and now idk where to buy this

>>8733043
modafinil is fucking garbage compared to adderall kid.

Its like taking 1/10 of adderall and shoving it up your ass. Half of the feeling is just placebo.

I sleep in my car and don't socialize outside of 4chan unless absolutely necessary.

Just a few from the top of my head

Drink only filtered water.

Instead of toilet paper use pieces of clothes that you can wash later.

Buy used dvds or games. Or better yet pirate them.

Always ask yourself. Must be new? Cant I buy it used? And check the pros and cons.

Dont fall for the menstruating jew. And if you do be a cheapass. Always.

>>8733111
Your life sounds like total shit.

I am lucky enough to be in a position where I'm able to live extremely frugally, I live with my parents while going to school and we also own a restaurant so I have access to fresh ingredients to cook my own meals every day. I only go out to eat once a month and schedule that around my haircut so that I use less gas. Generally I aim to spend under $100 a month but most months I am able to hit under $50 including gas. I work at the restaurant most mornings and buy/sell clothing and sneakers for extra income.

>>8733158
Well I got trips and my id is literally SAVE. Thats enough to support my argument

>>8733100
>Plebbit

Ive purchased this site works: https://www.afinilexpress.com

Only thing was that a couple of weeks after I ordered them I noticed some fraudulent charges on my debit card that I used. It only happened once so it may or may not have had to do with them

>>8733107
Well I'll have to give Adderall a shot then. Can you get it without prescription?

>>8733107
Which type of adderall is best (XR. etc) and how do I get it from a doc without sounding like a drug seeker

>>8733199
not legally. Although its not hard to get a script in the states.

>>8733180
>Only thing was that a couple of weeks after I ordered them I noticed some fraudulent charges on my debit card that I used
lol...
know anywhere that takes crypto?

>>8733276
IR is miles better. XR is trash.

Ive never had a script personally, but i had friends who gotten them. Just go in, tell the doc you have alot of problems with focus and they'll give you a test. Dont ever directly say you want adderall, because it will just seem like you are seeking it.

>>8733292
I know Duckdose.org gives a 20% discount if you use crypto, though I've never ordered from them personally

>>8733111
>Instead of toilet paper use pieces of clothes that you can wash later.
Disgusting. Trying to save 2 bucks a month on TP. How aboyt maintenance of those cothes, cleaning them alone costs more let alone them being cultivation ground for all kinds of parasites and shit bacteria.
Ive bit the bait ik

>>8733307
>>8733367
thanks guys. i appreciate the tips.

>>8732134
>>8733007
Based as fuck

>>8733276
Back in the mid 2000s all we had was the blue one.

/shakesoldmancane

>>8733402
All I can say is remember they are super potent pills. Take your time and plan an exit strategy.

>>8734142
>plan an exit strategy
not sure what you mean by this

>>8734366
you wouldnt take this stuff forever.

this is to maximize gains on crypto.

>>8734366
i took that crap to sell weed in my late teens. pounds of it day in and late night out

>>8734568
>>8734577
understood, ty

>>8733169
Nice. What is your ethnic background, and where do you live?

>>8731963

There's no such thing as throwing money away on convenience. Not everybody wants to give up a (potentially) infinite resource for a finite one.

Time is worth more than money when you aren't a poorfag.

>>8734366
When the despair hits too hard, make sure you know how you're going to kill yourself in a clean and effective manner.

>>8733111
I'm with ya except for the shitting on old clothes, that's fucking disgusting and you can't convince me that a washing machine can get rid of that 100%. Cleanliness is next to godliness.

>>8733111
>>8733400
>Instead of toilet paper use pieces of clothes that you can wash later.
this works if you get a bidet.

Just make a list of what you spend money on, take a look at it, and realize how incredibly stupid some of your purchases are.

>>8731213
Boiled eggs for breakfast
2 hot n spicy's for dinner

>>8731963
This is pretty much me, except I have a new car that I'm in the middle of paying off, drink often, and can't live without a cell phone, as nice as it does sound. Although I can probably get away with using my work phone and would consider it.

Some things I do:
>check the price of oil and petrol every few days, but more at fuel up time once when it seems to be dipping
>rotate online savings account funds into US Treasury Bills via Treasury Direct to increase interest earned (recently beating bank rates) and protect it from state income tax
>don't pay for city permit parking, get good at finding free spots
>pay for a good high speed internet connection to cover all entertainment wishes, never pay for cable (insane people still do this)
>load up on basic food stuffs at Aldi every now and then; spices, baking supplies, staples, etc
>only use top tier rewards credit cards, never, ever carry a balance
>run Android burner phone ad apps to make about $10-$15 a month in pure passive income
>own 2-3 weeks worth of underwear and shirts so as to minimize laundry doing needs
>get hair cut really short and only get it cut 4-5 times a year for special occasions (cutting it yourself is ideal)
>run heat and ac only when absolutely needed (below 32f, above 80f), dress warm, have warm sheets
>get worn out dress/work shoes fixed for a few bucks instead of buying a new pair

Get your internet at local library. Movies at local library. Go to YMCA and tell them you are a rapefugee and they will give you discount. Attend seminars at library and local college. Join clubs you will be too busy to spend money and usually free donuts and coffee.

Next start studying something seriously, and join a group and study with teh group and get in on the girl. If you are non retard and study with a woman who sees you study something she likes with a passion and she realizes doing nothing with you is fun you are on. Just take it slow before you try to fuck her. Literallly like 3 months at least. Just study something with her that you like. Language, business, programming, getting certs whatever just do it all the time with her. Studying make syou smart and is free!

The next one is the champ move it keeps you healthy, thin, and is really affordable. You only drink water. and one meal a day is just plain sticky rice. half a cup sticky rice. Another meal of the day is half a cup sticky rice mixed with stir fry meat and reduce vegetables from the market. So cheap thinly cut beef or pork mixed with oyster sauce and minced garlic , soy sauce, reduced vegetables(mushrooms, bell peppers, celery, broccoli etc..) and you will always have red onions, and carrots in the mix on top of white sticky rice (sriracha, and sesame oil, pepper spice it up.) Break fest every day is 5 eggs. Literally will make you jacked and is cheap. If you are degenerate poor steal tuna for your brain and muscles. Do not drink, smoke, do drugs.

>>8731213
1. don't chase pussy
2. don't drink alcohol
3. don't buy a new car or other stupid shit
4. cook your own food

>>8732449
Kek. RIP my sides

>>8735604
>get with girl who will want to endlessly spend money going to x and y

>>8734747
Asian american, midwest

>>8735635
Basically just be a hermit and wait til you die.

>>8735686
>Asian american
based
>midwest
based

>midwest
What's so based about that. Might as well kys in such a backwater location.

>>8735925
>What's so based about that
last bastion of cheap land + white people
fuck off josé

>>8735925
>>8735937
Well I'm from California, but I am enjoying living in the midwest building my savings while my friends from home are building debt. Sure there's a lot more to do back home but I'll have the rest of my life to enjoy those things, for now I am happy living frugal and saving money while getting my education.

God Tier
>LA
>NY
>Bay
Good Tier
>East Coast
>Pacific Northwest
>Chicago
Shit Tier
>Midwest
>South

>>8736490
shibbolethed a shitskin

Just don't spend money lmao

Just make more money lmao

>>8731213
I like to read up on science shit and solve problems when I'm bored as shit taking a break from trading and wondering what life would've been like if I went to university to meet all these humble labrats who've spent their whole life researching and not ever knowing what trading even is.

>>8736618
you probably live in Nebraska.

>>8736854
>soy.png
guaranteed more T than you tho

I don't. Spend what you want on what you want and make more. Keep working and build systems that generate money 24/7. Until then, still, do not worry over money. Fret not, God will provide. Good luck, anon.

>>8736875
>guaranteed more T than you tho
>T
definitely lives in Nebraska.

>>8731213

i only eat once a day. i've dropped below 100 pounds

>>8733111
fucking lol'd
good one

>>8731967
holy fuck dude, youre like that guy in mmos that never uses his health and mana pots until he has an inventory full of them thinking ill need this one for later

Hard one for you guys but - live with your girlfriend. Split all bills between you both leaving more disposable income for each.

Also has the added benefit of pussy on tap and gets rid of the social stigma of being a 33 year old virgin living in your parents basement.

>>8731213
I'm thinking something along the lines of doing this:
>Get "married" just pay for a place for the ceremony and food, keep it under $5K
>"rent"/stay at parents house till enough money saved up for land/house to buy outright
>Wife gardens, housekeeps to save costs on spending money
>work from home with crypto and other online jobs and earn passive income from mobile games.

>>8731963
>I keep a day or two at most worth of food on hand at all times.
Why not buy long storage bulk of food?
Like rice etc. useful incase shtf too. Just keep rotating and consuming.

>>8731313
How many teeth do you have?

You can get in POHD NOW

https://pohd.io/?masternode=0x92c09675e179ecef32890e833479dde04758c8b1

https://etherscan.io/address/0xbce39946abA431F8A244153cb8Aca6541625BC2E

Only 47 ETH!!!

>>8731213
1. Pay down all debt ASAP. This include student loans, car payments, and credit card debt. Having $0 debt should be your default, not some lofty goal you hope to achieve one day.

2. Get stable job with highest possible salary you think you can snag.

3. Live in dirt cheap apartment or live at parents house if you can while you work.

4. Learn to tolerate boredom and/or depression. Things will not make you happy, they will only send you deeper in debt.

5. Save most of your paycheck and invest it in a diverse portfolio.

6. Wait several years for investments to return significant gains.

7. Avoid lifestyle creep. Extra money earned should be extra money saved, not something to be thrown away on a fancier apartment or expensive car.

90% of the effort here is reducing your debt to zero and avoiding lifestyle creep. The problem isn't saving money in the short term, it's that too many people get bored and give into spending their savings.

>>8737933
>lifestyle creep

thanks for giving a term for what i aways fall for

>make more and more money at newer jobs each year
>still completely miserable as i was making 12k vs 32k and completely broke

>>8737981
When you are working a full time job, most of your time is spent at work anyway or outside of the house. Most people do not even use half of the crap they spend money on anyway. They get a brief surge of happiness when first buying it because the "anticipation" of happiness they perceive the object will bring them, but actually get no real utility out of it in the long run.

>>8731385
>alcohol
fuck off brainlet

>>8738030
>tfw used to be huge alcoholic for years
>stopped drinking one day and realized i didnt need it after a week
>havent drank in 6 months now
>lost ton of weight and got a gf