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/biz/ - Business & Finance


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10218744 No.10218744 [Reply] [Original]

Post your situation wagies. Let's help each other out.

>29
>making 60k
>23k in the bank
>will likely get to 60k by the end of next year
>living in parent's house while they live out of town.

>> No.10218854
File: 117 KB, 1080x1350, cvfecaysmxw01.jpg [View same] [iqdb] [saucenao] [google]
10218854

>>10218744
this is what these roasties will look like in 2 years

>> No.10218865

>>10218744
Blacked.com

>> No.10219051

>>10218854
lol once you go thiccc you don't go limp?

>> No.10219207

>>10218744
>23
>part time for 30k, want to go back to full time for 65k-70k
>22k fiat/meme coins, aiming for 100k eoy '19
>living with parents since they don't mind

in a decent place but life is /sideways/ for the time being

>> No.10219239

>29
>single
>CompSci Degree
>renting a small flat for £500 a month.
>Van driver earning £1300 a month
>£30k in savings
>£8k in crypto

>> No.10219260

>>10218854
the brunette, is she insta thot? How much for her plump white ass?

>> No.10219274

>>10219239
Nice. Where are you earning £1300 driving a van? Also WTF, you've got a comp sci degree but no job?

>> No.10219278

>be me, 23 in 1 month
>Live in Spain, meme country with a socialist president now
>Make 24k Eur a Year
>I have 1 year of experience
>Live in parents house
>15k in bank, 3k invested in stocks, 0 invested in crypto (cashed out early)
>Still much better situation than most of my friends

>> No.10219310

>22
>70k a year
>almost nothing in bank acct (accumulating hard)
>live in dads house
>wagecucking is horrible
>trying to set up my own business ASAP
>been working on it since january this year
>about to publish it in a few months
>have to wake up early as hell
>come home late
>work on it
>when i blink, my eyes burn... but what's worse is the burning in my heart

>> No.10219371

>>10219310
Youre on the right path then. Wagecucking sucks

>> No.10219373

>>10218744
Nasty fat bitches. Only Am*ricans find this shit attractive. Those tits will just end up sagging in less than five years, and those girls will only get fatter.

>muh "THICC"
A girl at the point of what you consider "THICC" gets fatter at an exponential level. Meaning in five years, she will be like the girl from Willy Wonka who turned into a blueberry

>> No.10219383

>>10219274
He probably paid for the degree and/or actually sucks at it or found out too late he doesn't like it.

>>10219278
Puto or albañil?

>> No.10219469
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10219469

>>10218744

> 44 Old fag here, made fun of by boomer meme
> $100K salary
> $330K in savings
> house almost paid off
> no kids
> WFH

Pathetic I know. You ~20 yr olds are lucky bastards. You actually have time not to wage cuck at 40+.

<--Now this girl is thick only where it matters.

>> No.10219490

>>10219371

i hope so but damn i've been hustling for years and years now.. i'm kinda getting frustrated that it didn't click yet, however i'm not stopping

>> No.10219570

>>10219383
Fair

>31
>Trading Crypto full time. Started last year
>4k and I'm now on 280k. Making a consistent income
>Just sold my house and profited 100k (160k including deposit)

>> No.10219592

>>10219469
>>10219469
Not really, anon. Seems pretty comfy where you are.

>> No.10219687

>28, Married, No kids
>$50k from me, $87k household
>$100k NW
>50/50 cash/equities
>Maxing IRA, 401k, HSA and cash set aside to frontload next year.

First home will probably be a duplex/triplex. Slow and steady, 100% VTSAX. Can't wait for the next recession to really start accumulating hard.

>Feelsgoodman

>> No.10219702

>>10219383
Graduated in chemistry, worked for a year in a lab, now im at a marketing department in a lab material supplyer company. Wages at spain suck.

>> No.10219744

>39
>made $14k past two years combined
>$2k in bank
>$40k in debt
>living in a busted house that smells like shit and piss all the time

i'm not gonna make it

>> No.10219827

> 31
> making 190k
> 150k in 401k (i was in bad mutual funds before i knew better)
> 220k in condo (worth 420, 200k left to pay off)
> 150k in cash
> 30k in index funds / ETFs

i should probably get some dollar cost averaging set up so if/when everything goes to shit i'll make gains and my cash won't just be sitting there

>> No.10219837

>>10219744
you living the appalacian hard life or something? what's going on here?

>> No.10219846

>>10219469
Nice work, oldanon. Anything you would do differently in your mid-20s?

>> No.10219874

>>10219744
How do you only make 14k? Do you not have a bachelor's?

>> No.10219920

>>10218744
>24
>own shop, owe 25k on it that I can pay off a year from the profit makes
>have 40k in crypto
>living like a homeless person
>could cash out crypto and pay it all off but don't want to do it while the market is down

I'm tired of living like a slave. I hope this fucking market recovers and I can just cash out 25% and hire someone to do my work at the shop. I also have access to wholesale stuff that no one can get on aliexpress because of my brick and mortar and I a good idea of how to market it. Does ecommerce actually work for anyone?

>> No.10219986

>>10219744
Oof, you are not gonna make it, my friend
How did you indeed get into such a mess?
Unironically get a $10 an hour fast food job and buy as many Bitcoins as you can with the wages
When BTC goes to $100,000 in a few years you then might be able to get out of debt and have a normal life

>> No.10220087

>21
>Moving out of parents' house for the first time in about three weeks (renting with two roommates)
>$500 saved up and a roomful of my belongings I'll bring to the new house
>~$12,000 tethered in crypto
>No job yet but the market here is good so I'll hopefully become a fastfood cook soon for $11 an hour

>>10219920
Whatever you do don't cash out yet mate
Even after Bitcoin recovers still hold, lest you be like the sad fuck in pic related

If you merely sell to pay off normal stuff in your life you'll sets kick yourself for being one of the ones who was there at the right place and time but didn't hold on long enough to gain a great deal of the riches

>> No.10220164
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10220164

>>10220087
Forgot pic

>> No.10220168

>>10219837
>>10219874
>>10219986

> No degree because I was homeless at age 18 and had to work
> Worked on a website for the past 2 years for a trusted family friend and they stiffed me on the bill
> Invested in crypto with everything I had left and now its way down and I have to keep selling just to pay bills
> Wife is crazy cat lady and house is full of cat shit and piss everywhere

>> No.10220241

>working 30 hours a week at Target for $12.50/hour
>working 24 hours a week as a chip vendor making $11/hour (under table, no taxes)
>3 days a week have to wake up at 4:30 am and get off from second job at 11pm
>2 days off a week, but rarely in a row

want to kms

>> No.10220281
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10220281

>>10219846

I am a lonely bitter old boomer fag who is forced to wagecuck in his 40s who bought into the travelling meme living in London, Stockholm, Krakow and Barcelona before returning to the US.

Although I had a really nice french girlfriend at one time and a 9/10 Swedish QT, I spent hundreds of thousands of dollars paying to fuck every fresh Eastern European in Soho London in the 1990s, in Barcelona in the 2000s and Backpage girls 2010-2017.

Now live with a 23-yr QT with a big generation gap and nothing to talk about but fuck. No other friends. Hundreds of thousands wasted sampling international pussy. Maybe I would have been better off with keeping friendship and family in the same town while saving money on pussy and having a cool million and not wagecuck in 40s? I don't think all that travelling and pussy was worth the wagecucking I am going to continue to have to do. Moderation Anon, moderation. Save in your 20s, magic of compounding investments.

>> No.10220521

>>10220168
Oof
Why not get a job though!?
Do you have a job?
What are your expenses each month?
How much in crypto?

The worst possible thing you could do is sell crypto (especially right the fuck now) for these temporary expenses

>> No.10220539

>>10218744
>28
>making 120k
>19.5k in bank
>20k in crypto
>Renting house while waiting for a collapse
>28k college debt

>> No.10220616

>31
>married w/1 kid
>66k salary, own one small company and work for two more, all physical jobs and no cubicles
>11k in bank after tax season
>290k mortgage on 650k property
>450k note against company, less than a mil in assists and equiptment
>on call 24/7

Fucking kill me

>> No.10220618

>>10220616
Does your wife make any money?

>> No.10220681

>>10220618
Not anymore, she left her job in January to take care of the kid so I have that much more to pay for. She has bad credit and outstanding debts on a home in portland from her ex-fiance as well so I'm not going to destroy my credit rating sharing a bank account with her. Any petty cash I scrape together is hers, on top of me being the account holder for all our funds and credit cards.

It's literally going to drain me of whatever money I have left until we have to sell our property and move back into town. Or I'll likely just die.

>> No.10220751

>>10220681
Stay strong anon.

>> No.10220761

>>10220681
>>10220168
>falling for the marriage meme
Even worse than shitcoins

>> No.10220936
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10220936

>>10220761
>tfw I'll never live the comfy NEET life again

>>10220751
Like I have a choice anymore?

>> No.10221187

>>10220087
Bitcoin is a shitcoin with no future (unless they suddenly start caring about on-chain scaling)

Don't touch with a ten foot pole

>> No.10221350

>>10220521

>Why not get a job though!?
Still trying to get some kind of a settlement for the website I spent 2 years on. I probably will have to get a job but I live in the middle of no where and I my car is broken. Just farms and stuff around me. No one needs tech people here.

>Do you have a job?
No job right now. I spent two years being a slave developing a website and never received any money. I finally put my foot down and they basically told me to fuck off.

>What are your expenses each month?
About $1200.

>How much in crypto?
Probably about $10k remaining. I don't like to look at it. I have some mining rigs too, but at current price levels they just lose money every month.

>> No.10221354

>>10220168
How many cats? Did you ever tell her 'no' to adding more cats?

>> No.10221487

>>10221354
There were 8 but 2 died. I have told her repeatedly that I'm not ok with having this many cats. We live in a really small place. I'm pretty sure she would choose the cats over me.

>> No.10221675

>>10220281
So you regret travelling? How long did you do it for?

>> No.10221746

>26
>dropout neet
>5k in crypto
>4k in savings
>no debt
>living with dad
please, help

>> No.10221978

>>10221746
Finish school anon. Use scholorships or become an apple tech to pay for it.

>> No.10221986
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10221986

>>10221675

I lived outside the US for 13-14 years. I regret it because I could have started a career and had maybe 10-12 years of retirement savings which in would maybe have made me able to scrounge a NEET life right now. Maybe I could still have traveled for 2-3 years.

>>10221746
>please, help

I only learned to program by myself when I was 29-30. I autistic, don't want to be in work environments,, meetings, conference calls, etc. But it was start to save some money or wagecuck $7.25 /hr so that is all I focused on. Then applying to literally hundreds of jobs a week. You don't need a degree for most tech stuff. And it doesn't have to be tech. Learn some other skill.

For the first time in US history there are more jobs than job seekers. You should be able to get something decent and work your way up. Sorry you have to wagecuck. But your goal should be to get a job as some corporate parasite. Then you hopefully get to WFH a lot, do nothing, browse, shitpost and get a 401K, HSA, profit sharing but you'll still complain about wage cucking. You also have the advantage of free rent at home. But 26 means time is ticking...

>> No.10222037

>>10221978
>>10221986
brother's a programmer and recommended I get micro degrees at udacity.com. Thoughts?

>> No.10222260

>25
>$85k yearly salary
>bonus starts at $30k and up
>$20k in debt
>all in ChainStink

Help me biz bros. On the outside I am an investment banking chad. Go to dinner parties, bars, clubs (only sometimes) but I fucking hate the vast majority of my friends in this city. Deep down I feel so fucking lonely and void of purpose. What do?

>> No.10222275

>>10221986
>But your goal should be to get a job as some corporate parasite. Then you hopefully get to WFH a lot, do nothing, browse, shitpost and get a 401K, HSA, profit sharing but you'll still complain about wage cucking.
oh hey, that's me. It's funny because I consider myself underpaid (shitty company in flyover country, been here too long) and i'm trying to find an easier job with better compensation, thinking big corp or government. I fell for too many /g/ memes so it's hard for me to find work that I can stand.

>>10222037
probably a waste of time. best thing would be to get a BS in computer science and actually learn that shit (don't fall for the "self-taught master race" meme, especially if you want to take it easy), but as you probably can't afford that you're next best option is to study up on the latest meme's on job boards, attend meetups (hopefully you're in an area with a lot of tech jobs, otherwise you'll probably need to move), cobble together a portfolio or make open source contributions that you can brag about. Getting a bottom of the barrel code monkey job with some shit consultancy probably isn't too hard, and if you squeeze some resume-worthy experience out of one of those roles you might be able to get less awful corporate position.

>> No.10222286

>Just hit 33
>Wasted 20s, but that's okay because I'm awake now.
>Salary low 30s, supplement on side to bring closer to 40.
>Previous jobs have been crap, but now highest paid in building (sad), but this should allow me to step elsewhere as the stats aren't bad (busy place, decent size staff I manage, etc). Haven't been in position but one year.
>Recently purchased home. Wish I had purchased something cheaper, but is what it is now. Need to work harder, increase income.
>Net income 2206 minimum, 2806 maximum depending on side gig - ish.
>Expenses approx 1900 / month (largest being mortgage, most expenses have no room to lower).
>5k in 401k (just started about year ago, max match contributed, also roth). Considered gutting this before market collapses, but not sure how or what method to take or at all. Or should I just leave it?
>Zero in bank, approx 2k revolving debt.
>Bunch of collector crap I need to liquidate to invest/pay off debt probably 10k worth.
>Car paid off, but over quarter mil miles, do most repairs myself expect it to last at least 5 more years.
>Wife not in equation - she pays her bills squanders rest. No interest in long term/investment/future. Working on this...
>1 Child.

Need to get new job. Hard to move otherwise..

>> No.10222343

>>10218744
I want that video ffs, been looking for it at tubes but found nothing, in tpb it has no seeds fuckk

>> No.10222391
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10222391

>>10222037

I've heard good stuff about it but never tried anything myself so I can't really say. Also, I don't think most employers have heard of it. You don't need to get a degree but just to get your foot in the door any type of a certification would at least have some value. Tech skills are mostly self learned anyway (even with a degree) so start by reading and playing around with different things. You might find that you're good at or like databases, front end, networking, IT security, data analytics, etc ...there is a lot of stuff and you might at worst find something bearable. Fuck, I want a NEET life myself but don't want to eat dog food when I am 60.

>> No.10222531

>20
>Make $9.50/hour
>Store I work at closing on July 26th
>$600 in the bank, $800 in eth, receiving $400 bonus when store closes
>Living at my mom's house plagued by bed bugs
I'm not gonna make it

>> No.10222746

>>10221986
>I regret it because I could have started a career and had maybe 10-12 years of retirement savings which in would maybe have made me able to scrounge a NEET life right now
But if you had money would you then regret it? Did you at least have fun?

>> No.10222870

>>10220936
>that img
right in the feels ;-(

>> No.10222881

>>10222531
Use opportunity of cheap rent (the largest expense one will have in typical life) to win.

Get new job, work aggressively. Time remains. Live cheaply, reduce expenses to nill..

>> No.10222898

>>10221487
>she would choose the cats over me
great relationship :|

>> No.10222932

>>10218744
28

Work with boss's son

We do the same work

Spoiled faggot gets a bonus and makes literally twice what anyone else does

"Capitalism"

>> No.10222951

>27
>Make 50k-65k depending on how hard i work
>Very little in savings
>52k crypto and 16k in 401k
>Started a company back in January and we are just getting off the ground
>Live at my mom's house while she has been living away for 6 years

The future is bright