Yesterday was my birthday

[Anonymous No.19309772]

And no one wished me happy birthday :(

I’m 21 and have no financial future. Someone help me.

[Anonymous No.19309795]

>>19309772
Buy ESH NOW there is going to be a massive pump TODAY

[Anonymous No.19309805]

>>19309795
Don’t scam me. I’m the birthday boy.

[Anonymous No.19309852]

>>19309772
Happy 21st birthday! May your 21st year be good. Don't get too hooked on the booze, drugs and other things in your 20s, but enjoy them.

[Anonymous No.19309855]

>>19309805
fine dont believe me then i dont care stay poor forever faggot. I just sent over 100k and im going to fucking make it you wont.

[Anonymous No.19309862]

>>19309772
I hope you get run over by a gas truck today.

[Anonymous No.19309877]

>>19309772
Happy 21st birthday fren, I'm sure you have a bright future ahead! I'm sorry no one wished you happy birthday, that makes me sad. I hope you get some nice birthday wishes from fellow anons. Have a drink and relax!

[Anonymous No.19309879]

>>19309772
Happy birthday fren. Save as much of your earnings as possible. We're all gonna make it.

[Anonymous No.19309894]

>>19309772
Nice 21, champ! Frens gonna make it.
Somebody, cut the cake already.

[Anonymous No.19309898]

>>19309772
stake HEX

[Anonymous No.19309928]

>>19309852
>>19309877
>>19309879
>>19309894
Thank you frens! I have 20k in savings and already graduated college, but I don’t know what to do for my next step in life. I don’t have any job lined up.

[Anonymous No.19309943]

>>19309772
Happy Birthday champ! What're ya gonna do? Play some vidya? Hang out with your friends? Go crazy champ! I know you can do it.

[Anonymous No.19309963]

>>19309772
happy bday anon

[Anonymous No.19309968]

>>19309928
You're ahead of 95% of 21 year olds I'll tell ya that. Keep it up

[Anonymous No.19309973]

if you're over the age of 12 and still care about a birthday you need to kys

[Anonymous No.19309976]

>>19309772
Happy birthday fren. May 21 be the year things start to look up for you

[Anonymous No.19309979]

>>19309772
Stop whining to the rest of the outcasts you stupid fucking idiot. Nothing will change before you change

[Anonymous No.19309986]

Happy birthday anon! Next thing you know you'll be turning 31 like me with 10 years of static in between

[Anonymous No.19310080]

Happy birthday anon
Use your birthday money to buy equal amounts of Celsius, ETH, BTC, LTC, BCH, Dash, XLM, and ZRX, then deposit them all on Celsius Wallet. No need to thank me now until your first interest deposit comes in and you're loaded with Celsius tokens.

[Anonymous No.19310114]

>>19309976
He jacked off prior and right after. Good trips.

[Anonymous No.19310213]

>>19309928
That's more than 99% of people your age.
>I don’t know what to do for my next step in life.
>already graduated college
Well you have enough saved up to not have to live with your parents if you want. That says a lot. You could move in with roommates and NEET for a long time as you look for a job with your degree. I'm 25 now and my biggest regret in your situation was not getting a wagie job while looking for a job in my degree, it sucked for me when people asked what I was doing and I was living with my parents with no job. Took about 8months of hard work to get a solid big boy job. Before that it was easy to get depressed .

[Anonymous No.19310236]

>>19309772
21 is young I’m over twice that
It can be tough emotionally at that age
Just sit back and enjoy the financial apocalypse that’s ensuing and take the enormous opportunities in aftermath and get some silver
There’s only about 1 of this size every 500-1000 years - giant bubbles are imploding
your lucky to witness it
The whole nature of opportunity and money is changing
You’ve got a fantastic future

[Anonymous No.19310250]

happy birthday fren

[Anonymous No.19310272]

>>19309772
Buy BUIDL, fren.

Happy birthday!

[Anonymous No.19310286]

>>19309772

[Anonymous No.19310326]

>>19309928
>21
>graduated college
???

[Anonymous No.19310340]

>>19310286
Sorry, fren, took your slice.
Fee for being late.

[Anonymous No.19310349]

>>19309795

That's one of the first and only scam posts I've seen on here which makes you the most lowly fucking nigger on this board. There are legitimate pedophiles on here, you are lower than them. Only the jannies are a lower caste than you.

[Anonymous No.19310422]

>>19310326
Some people have early birthdays, join accelerated programs, or do summer classes to graduate early. It's not terribly hard to get a bachelor's in 2-3 years. I got a MAcc in 5 and had 4 internships on the way.

[Anonymous No.19310479]

>>19309928
Put 3 months of loving expenses in a high-yield savings account and don't touch it. Pay off debt as fast as you can. Get an internship to pipeline into a job. Max out the 401k match. Have fun anon, happy birthdau.

[Anonymous No.19310510]

>>19310479
Living not loving, but hopefully they are synonymous for you.

[Anonymous No.19310605]

>>19310326
>>19310422
I skipped grade. Everyone graduates my uni in 4 years.

>>19310479
Luckily I have no debt. Scholarships and financial aid made it basically free for me.

>high yield savings
Aren’t the best deals out there like 1.3%?Is it really worthwhile? Especially w/ economic situation now?

>>19310236
Thanks anon. I feel weird because I graduated college and have always been the youngest in most social situations I’ve been in. Now, I feel old. I agree with you about bubbles, I’m just trying to figure out how to get more money to take advantage of these bubbles.

[Anonymous No.19310641]

>>19309855
>stay poor forever

[Anonymous No.19310660]

>>19309772
happy birthday anon, dont worry too much just live life

[Anonymous No.19310707]

>>19309976
WOW THATS A GREAT GIF NICE DO YOU HAVE MORE THANKS

[Anonymous No.19310728]

>>19309772
>And no one wished me happy birthday :(
LARP

[Anonymous No.19310771]

happy birthday fren, we're both gonna make it

[Anonymous No.19310871]

Short aging and long life.

[Anonymous No.19310890]

>>19309772
Happy late birthday

[Anonymous No.19310901]

>>19310871
sauce to full vid fren?

[Anonymous No.19310928]

happy birthday hot stuff

[Anonymous No.19311026]

>>19310605
> Aren’t the best deals out there like 1.3%?Is it really worthwhile?
Exactly right fren real inflation is 5% min (shadowstats)
Fed printing $trillions of currency out of thin air
literally REAL negative rates on savings now
losing at minimum 5% a year of your savings
Deposits and bonds literally destroy your wealth

[Anonymous No.19311056]

>>19310871
>>19310901
Seconding

[Anonymous No.19311088]

>>19309772
Happy Birthday Fren,
Your 21st birthday! Don’t drink too much, and def don’t drive. Your only 21 bro. I thought the same thing when I was 21. You still have so much time to build an amazing future for yourself!

[Anonymous No.19311174]

>>19309772

Happy birthday, go kick some ass this year.

I was in a similar spot at 21. Got a 2 year degree in the Arts, wanted to go to big school to study after but realised I was damning myself to debt for rest of my life with no job guarantee. Stayed at home for like a year, depressed as fuck. I had terrible anxiety.

My only skills were English, philosophy, art and music lol. I felt like I was screwed.

Probably the worse year of my life sitting at home playing counter strike and jerking off like a loser. At least I got the top rank.

Anxiety and depression got worse and I thought I was going to end myself. Eventually tried out a weekend security job. Pretty hard for my NEET ass but I got used to it. 2 days a week was a nice start on a job where I spent most of my time alone. Then moved on to just take a plumbing job; completely out of my element, but I realised there was no way it was harder than dealing with hobos in security.

Quit the security job, became a plumber. I ended up being the best apprentice in the company. CEO took notice of me and made an effort to know me. Accumulated 20k after working for about 2 years, started studying the fuck out of finance, money, macroeconomics.

I realised a massive recession was incoming. I cashed up, and now that the recession is here I'm investing in sectors that'll do well in the coming years. And I have a goal I'm working towards to be able to secure my parents' retirement. My dads like 67 and still breaking his back everyday to work since my mother bankrupted the family. Breaks my heart every day, and desu I don't even like my Dad, but at least I have something I'm fighting for now.

The anxiety is still here at half levels, depressions completely gone. It took just a bit of time but it's amazing how fast things can flip around. I was in complete darkness with no way out. Now I feel a bit of hope fluttering in my heart. Good luck Anon. Pick a direction and just try. You'll be amazed how fast things work out.

[Anonymous No.19311220]

>>19309772
HAPPY BIRTHDAY ANON :D

[Anonymous No.19311238]

>>19310901
>>19311056
https://www.xvideos.com/video8051608/ava_hardy_and_samantha_ryan_horny_trio_in_the_living_room

Pretty hot desu

[Anonymous No.19311255]

>>19309772
Kill yourself you worthless stain

[Anonymous No.19311261]

>>19309772
hap birf

[Anonymous No.19311391]

>>19311174
Baaased

[Anonymous No.19311432]

>>19309772
Your 21 retard, your whole future is infront you. I don't know how there 19-21 year old doomers, it's impossible for you be doomed at those ages.

[Anonymous No.19311482]

>>19311174
Not gonna lie, 39 years old, one child, went up to massive earnings, lived as an expat, and lost it all and work for $85k a year. Now AUD$100k in debt with little assets. Been a very hard life these past 3 years in many many ways financially, and no word of a lie I feel a little bit better and inspired inside reading a younganons post like this.

[Anonymous No.19311541]

>>19311482

[Anonymous No.19311564]

>>19309772
Happy Birthday anon. Don't buy any shitcoins

[Anonymous No.19311790]

>>19311174
>Based

Now that you have been in the industry are there any other trades you would like to do? Or make more money?
I’m looking for somewhere to go in life t.21

[Anonymous No.19312173]

>>19309772
Happy Birthday fren!

[Anonymous No.19312202]

>>19311790

I'm not gonna lie, its a hard time to get work right now. Every company is cost cutting and laying off people. If you're determined you can try showing up at the front office of a company every monday at 6:30 and ask if theres any jobs open. You're not actually trying to directly get a job but instead show your dedication and ethic, and eventually when even a small position opens up they'll pick you over anyone who's more qualified. If I could go back I'd probably try to get into some higher paying trades like Elevator tech. or steamfitter, maybe welding, maybe try to be a crane operator or one of the guys who drives the excavators. One thing I noticed is that everybody is lazy, and everybody is a bit dull, so as long as you don't mind working and are actually decently smart most companies will hire the hell out of you.

[Anonymous No.19312228]

>>19312202
>If you're determined you can try showing up at the front office of a company every monday at 6:30 and ask if theres any jobs open. You're not actually trying to directly get a job but instead show your dedication and ethic, and eventually when even a small position opens up they'll pick you over anyone who's more qualified

[Anonymous No.19312273]

>>19310605
>>19310479
1.3% is better than 0%, and you can find closer to 2% with online banks. Always have 3 months cash sitting aside as insurance against Murphy's Law. 20k is good for your age, but that's just a car accident and a job loss or some basement flooding away from serious financial issues. I keep 3 months in a high-yield and the same amount in MINT in my portflio MINIMUM, but I'm very conservative. 3 month rule will save your ass multiple time in the next decade alone most likely.

CD s aren't liquid and everything else is too volatile besides cash which loses value over time. Congrats on the grad btw.

[Anonymous No.19312329]

>>19312228
Of course it's boomer as fuck, you're trying to play into the boomer employer's game with boomer strategies. That's how you win, you play the field until you get enough leverage to set your own rules.

[Anonymous No.19312822]

>>19311174
Thanks anon :)

[Anonymous No.19313769]

>>19312273
Thanks anon. How do you estimate what 3 months of expenses will be when I’m still with my parents and don’t know where I might live?

[Anonymous No.19313981]

>>19309772

[Anonymous No.19314017]

>>19309772
https://www.youtube.com/watch?v=Kq07SRnSAf4

[Anonymous No.19314080]

Happy birthday, fren.

[Anonymous No.19314125]

>>19309772
I feel you bro, I feel you. I stopped celebrating my birthday. Only Chads get to have birthdays
It ain’t fair bro

[Anonymous No.19314144]

>>19310871
Sauce? I need to feel worse than I currently do

[Anonymous No.19314180]

>>19312329
That strategy isn't going to work nowadays with modern HR departments and algo screening

[Anonymous No.19314472]

>>19312202
Yep this is why I applyed for a corrections officer job I'm about to be comfy.

[Anonymous No.19314541]

>>19313769
10k is an easy number that errs conservative. Do that if you can't monitor actual expenses or do estimates.

It's all region/situation depenent. I have a $350 mortgage, $600 in bills, $500 food, and $300 misc plus I throw an extra $2000 at principal every month. Split two ways with the gril. This varies wildly for everyone.

[Anonymous No.19314557]

>>19314180

Anon we're talking trades here, these companies are sub 100 employee family businesses without HR departments. This is handshake and strong eye contact land. We're calling each other faggots at work and drinking beers after Friday, we're not talking on the same wavelength here.

[Anonymous No.19315238]

>>19309772
happy bday yay!!

[Anonymous No.19316178]

>>19315238
:)

[Anonymous No.19316235]

>>19309772
i was 21 and I loved life. i had frens, fuck buddies and cs degree. jobs lined up. now all i have is single mothers and used old roasties to date. all the good ones were wifed. no girl younger than me wants to date me. im 28 100k/ year soft engineer. i have a six pack and lift. my brain hurts and i feel like im 80. life is so much different now. Im alone and life is very wierd now

[Anonymous No.19316249]

You just had to ask to your real friends.
Happy birthday, Anon.

[Anonymous No.19316364]

>>19312329
>>19314557
This is based
t. General contractor

[Anonymous No.19317346]

>>19316249
Thx fren :)