/biz/ - Business & Finance

[Anonymous No.23985139]

do normies ever realize how fucked they are financially? Or does their financial situation just seem normal to them or something?
I kind of wish i was a normie sometimes bros.

[Anonymous No.23985285]

>>23985139
They do but they think it's normal.

[Anonymous No.23985326]

>>23985139
Even if they realize it, they won't care. They've been raised up to be slaves.

[Anonymous No.23985403]

Because "there is more to life than money", while spending their whole life to get money.

[Anonymous No.23985429]

>>23985139
I love when they tell me how they work 50 hrs a week for some kike & still struggle then tell me crypto is a scam

[Anonymous No.23985460]

the media has a blackout regarding upcoming foreclosures and evictions. january is gonna be hilarious, though i believe we wont really feel it until march.

[Anonymous No.23985526]

they see it as normal because everyone they know is in the same simulation

[Anonymous No.23985573]

>>23985526
this is certainly true to an extent. there's a reason why memes about suicide and crippling depression are "liked" and shared instead of condemned or shockingly reacted to.

[Anonymous No.23985637]

>>23985573

I laugh when I see them say things like "everyone needs a job!"

things like self employment or financial freedom aren't even on their radar. slaving away for ones entire life is the only path. if you bring up running your own business they have a whole mountain of rationalizations about why its impossible.

[Anonymous No.23985674]

>>23985139
Normies are actually more self aware ( like to hope) than people give them credit for, but the issue is that it's more comfortable to just accept your fate and the prospect of never being rich because to them they don't believe they CAN be rich. They're sold on the idea that the task is so insurmountable that you have to have to live and breathe something all day every day including weekends to be successful (and sometimes you do).

Basically what I'm getting at is they are aware of their situation, but they care more about watching the next season of whatever that popular netflix show is. Not that I'm any better, motherfuckers better know I'm waiting for overlord season 4 and ngnl season 2. But at the same time I did the research to buy into crypto early

[Anonymous No.23985750]

>>23985674
>Not Gonna Not Lie season 2
truth pilled

[Anonymous No.23985764]

>>23985139
im normie, tell me why im fucked

[Anonymous No.23985798]

>>23985764
Do you have a new car you'll be making payments on for the next 3 years? Less than $2000 in the bank? Working a dead end shit job and/or on some form of medication? Obese/overweight? Actually give SOME thought into your daily actions?

If you answered no CONGRADULATIONS! You're probably not a normie. If the answer was yes though then that's also your answer

[Anonymous No.23985820]

>>23985139
Why do you think they are out in the streets calling themselves antifa while raping/murdering/bashing and otherwise terrorising people?

Why do you think the less retarded and globocucked variety of normie are voting for Donald Trump?

They know shit is fucked.

>>23985429
>Hey this crypto stuff could solve all these political problems you're always complaining about
>"You're wasting your time, there's no money in that".
>Oh, it's extremely lucrative, I was able to quit my full-time job
>"All you think about is money".

[Anonymous No.23985857]

>>23985820
>"All you think about is money".
kek this is always a good one. My brother/dad (jokingly) call me a jew sometimes because I actually am worth money

[Anonymous No.23985885]

>>23985139
every single person I knew from highschool is in debt, while college friends are doing much better financially they aren’t in crypto at all

[Anonymous No.23985927]

>>23985820
>>23985857
>"All you think about is money".
The absolute state of coping normies

[Anonymous No.23985974]

>>23985674

How on earth do you opt out of that system? I can't stand lining up for groceries, driving back and forth to work, and the lack of social because I've become shut off of Social media and my co-workers even before the lockdown. I feel like cattle everytime I go out, come back home and even typing this post out. It feels like I'm already stuck in a pod and I just realized it after so many years. I don't even think coming here every day on 4chan is helping realizing how screwed we are.

[Anonymous No.23986073]

>>23985820
So many people love to drag others down to their level of misery over poor decisions to make themselves feel better. It makes me sad.

[Anonymous No.23986077]

>>23985974
The truth is this place is hardly any different. Take it all with a grain of salt.

[Anonymous No.23986114]

>>23985974
Believe me bro I feel it too, it's why I'm a NEET. Which is strange because I actually enjoyed my previous job and worked it for two years. But there's something about the entire shitshow that gives me a sinking feeling in my stomach. The idea of doing the same shit every normal person does on a daily basis for the next 40 years of my life is absolutely appaling. There are only two realistic solutions to this issue that can sustain you for the rest of your life. Become a hermit/hobo, or make so much god damn money that you'll never have to work again. We're all here on /biz/ because we are chasing the latter, and many people that may even be reading this right now have already "made it". Not all the millionaire posters are LARPs

And yes, before any bootstrap pick-er-uppers come here to preach I would rather spend my life watching anime and playing video games all day living off crypto gains, call it a waste all you want.

[Anonymous No.23986120]

>>23985429
>>23985674
is the /biz/ lifestyle really attainable? I traded stocks (swing trading) many years ago and did around 50% overall roi in under a year. I've been thinking about getting back into it since my business got cucked from vid and I'm back wageslaving and want to kms.

[Anonymous No.23986150]

>>23985139
I have met normie with 65k jobs who spend over 270 dollars a month of fast food and take out. A lot of normies spend just about every dollar they own an assume their works IRA is enough. Some normies even have a "monthly clothing budget". Apparently they believe you need to be buying new clothing every single month as if it is groceries.

[Anonymous No.23986154]

>>23985139
USD dies.

-

Two $50 Amazon Gift Cards! (Free & Verified)


https://twitter.com/tjeezyyy/status/1328234053942747136


I'm doing a minimum $50 giveaway every episode and as sponsors increase so will the prize amount. Something big planned for Episode 10.

All draws verifiable thanks to Random.org's third-party paid drawing service and made readily available.

Who doesn't like free?

[Anonymous No.23986187]

>>23985139
They are waiting for
The
Great
>Reset

[Anonymous No.23986192]

>>23986120
Well I'm not a massively successful guy because frankly I'm a lazy bastard, but I'm currently worth around 90k from an initial investment of $8k. I got this money by living at home and putting everything I had into BTC and LINK during the bear market. I've been on /biz/ since back when the money skele memes were a thing and you could buy ETH for $20 though. Problem was I also NEETed at the time, had no money, and therefore didn't really research crypto very much.

Ironically it's because I too was demoralized and thought there was no way I could make it in crypto. But the reality was that it would have been as easy as dumping my paycheck into ETH and waiting. Buying LINK for $1 has completely changed my mindset and probably the course of my life. I literally cannot imagine what my life would be like right now if I did not know about crypto. And I'm not even really worth that much in comparison

[Anonymous No.23986211]

>>23986120
yes, i did it & im happy as a pig in shit.
I also had a fortuitous series of events on my side to help me out. I got lucky.
I'd still rather live in a cardboard box then punch a clock ever again.

[Anonymous No.23986286]

>>23986211
>I'd still rather live in a cardboard box then punch a clock ever again.
This, once I hit 5k link I would rather put it all into cold storage and become a hobo until I've made it vs selling. In your opinion though do you think this cycle will be the last? I asked an anon this once about a year ago and he told me as long as human greed exists there will always be another opportunity like crypto

[Anonymous No.23986339]

>>23986192
Same here, anon. It feels like a major weight was lifted from my shoulders and the world became more clear once I got into crypto. My life has gotten appreciably better.

[Anonymous No.23986380]

>>23986286
I'm not a lambo moonboi, but i think we are the vanguard. The will make movies about our memes. Future people will wish they had the opportunity we have had, even if it was bc we stumbled upon it in our underwear between fap sessions bc we rubbed our dicks raw & needed a break.

[Anonymous No.23986424]

>try to tell normie friends not to get a big car loan
>try to tell normie friends that its a bad idea to take 10k out of super (or 401k for burgers) at age 22
>try to tell normie friends to invest even a little bit of their paycheck every week
>try to tell normie friends that getting wasted every weekend then waging for the next week to earn the money back will make you miserable

none of them listened. I'm convinced ill make it one day because this taught me 99% of people are financially retarded

[Anonymous No.23986445]

>>23986380
the moonbois give crypto a bad name I think, but it also proves that we're at least still early before the adoption phase. It's going to be interesting seeing movies like the wolf of wallstreet but with weeb NEETs instead of wall street coke addicts. I imagine though in the future the crypto that haven't even been developed yet as you say will have people jealous of the opportunity that once was, not unlike how by all accounts normal people lament at not buying microsoft or apple stocks 20 years ago.

If I had one regret it's not having any friends that share my interest that I can talk to, but as gay as it sounds I guess that's why I post on biz. Out of everyone I've known in real life no matter how in depth I try to explain I've only convinced two people to buy any crypto and they were my immediate family

[Anonymous No.23986489]

>>23986114
Lucky for me I realized this when I was young and started traveling as soon as I was 18 (i'm 30 now). I figured life was way too short to not be able to do whatever you want whenever. I've been living like a gypsy for almost 15 years and love it but I also want to fuck bitches in penthouses. I want to experience it all while i'm here and you need money to do that.

[Anonymous No.23986924]

>>23986114
>idea of doing the same shit every normal person does on a daily basis for the next 40 years of my life is absolutely appaling. There are only two realistic solutions to this issue that can sustain you for the rest of your life. Become a hermit/hobo, or make so much god damn money that you'll never have to work again.

Just completed 2 hour long corporate BS meeting in a giant news corporation. The BS/ siloed nature / politics is amazing for tech migration project. I was listening an interview of Chamath Throughout the meeting. Fuck BS

[Anonymous No.23987010]

they'll wait until people panic in 2021 and then fully reveal the great reset. itl get a lot of people onboard immediately.

[Anonymous No.23987041]

Interest rates are negative
It literally pays you to be in debt

[Anonymous No.23987054]

>>23985460

Is there a crash coming soon for crypto? Been thinking of getting my 10k out of robinhood and just holding it to wait for a crypto dip

[Anonymous No.23987093]

>>23986489
>also want to fuck bitches in penthouses
came so "far" and still a brainlet
imagine my shock

[Anonymous No.23987097]

>>23986489

Are you me? Did the same.

[Anonymous No.23987256]

>>23985326
This. It's called learned helplessness.

[Anonymous No.23987260]

>>23986114
This is how I feel too. I'd rather be a NEET, and die poor then contribute to all this bullshit. The way I see it is that if you work in this society, you are digging your own grave. You are helping enrich a class of people that are using their wealth to rig the economy, rig elections, and take money and power away from people like me and my peers.

I just hold cryptos because it is the only thing that can get me out of this. I also believe the decentralization of power could possibly help people as a whole.

[Anonymous No.23987266]

>>23986489
>Fuck bitches
You wanna know how I know you're an underage faggot either physically or mentally?

[Anonymous No.23987272]

>>23985974
>I can't stand lining up for groceries
Whether you are a NEET or not, you still need to eat lol

[Anonymous No.23987286]

>>23987260
>Rather be a NEET and die poor than contribute to all this bullshit
You have no idea what poverty is like if you say stupid shit like this, do you still live at home? Because I'm 100% sure you do if you say stupid shit like this, either that or you're still in college hidden away from the real world.

[Anonymous No.23987412]

>>23985674
this. I used to think the only way to make money investing was if you allready have a shit ton of money. Like, why bother spending hours getting a 10% return on my 1000$ stock portfolio. So I just concluded I would have to wait and hope for a really high paying job, or get to know some smart people and start a business together with them. In the meantime I would just pass time partying and playing video games.

[Anonymous No.23987466]

ive thought about this shit my whole life and it's always made me depressed. i just resigned myself to the fact that i'll always be fucked until i started getting redpilled. i can't imagine wageslaving til im old. my body already fucking aches. better to take some big risks while you're young

[Anonymous No.23987487]

>>23987412
Think about it, if you're 25 now you have about 40 years until you want to retire.
Now, given an average return of roughly 7% on your investments if you put it in an index fund of the sp500, you'll double that money every 10 years even when accounting for inflation. This means that after 40 years every dollar you put in now will be worth 16 times as much in today's value in dollars as when you put it in, put 1000$ in now, and in 40 years you'll have 16000$.
Just put away money every month into your account and you'll be able to retire by 50 of your job isn't shit

[Anonymous No.23987584]

>>23985764
the mega rich are monopolizing everything and consolidating power(think amazon, google etc). small businesses are dying. middle class is shrinking. working class is getting squeezed even more. they want us working longer for less and to say thank you afterwards. you'd might think this is by accident but it's entirely intentional it's called managed decline. they pump the shitskin immigrants in. whites make money for the economy, the rest drain it through welfare. not to say that I'm racist. actually the liberals are the ones that keep races like blacks in servitude through gibs.
https://youtu.be/peF-ae2AINU
i could go on

[Anonymous No.23987722]

>>23987487
Youre absolutely right. But I didnt really "get it" before I started educating myself on finance and investing. I know rich dad poor dad is kind of a meme, but it really made me think when i first read it. Also, what really did it for me was that I started getting bored of watching TV/vidya and watching other people do cool shit, while wasting my own time. Why not strive to do cool shit in real life.

[Anonymous No.23987829]

>>23987266
I'm literally telling you i live my life like a gypsy and I do what I want. Basically never growing up. And fucking bitches surprises you? You wanna know how i know YOU'RE an underage faggot?

[Anonymous No.23988349]

people arent retarded they understand they are fucked byt they are bombarded 24/7 by a neverending stream of propaganda on all fronts and nobody wants to be "that guy" at the workplace/pub etc who is talking about politics or how yu'r being financially raped so they just dont talk about it. lots of people have alternative/critical opinions but just dont voice it or even approach the idea because its just easier to accept it and consume product

[Anonymous No.23988461]

>>23986211
>I'd still rather live in a cardboard box then punch a clock ever again.
Funny, when I quit my retail job I adopted the same mentality, except my version is: "I'd rather live in a cardboard box under a bridge then work retail ever again." Same idea though.

[Anonymous No.23988574]

>>23987722
>>23987487
dude it isn't worth it, if you've got the strength save money where you can use it, then put it into something with a real ROI, like crypto or starting a business, that way you can experience real wealth rather than just hoarding and saving

[Anonymous No.23988616]

>>23985674
The mindset normies have towards getting rich is akin to the mindset incels have towards relationships

[Anonymous No.23988690]

>>23985637
This especially in australia, you tell people you're working on a business project/startup and they look at you like its some kinda art show or pet project

[Anonymous No.23988726]

>>23986424
>>>>try to tell normie friends that its a bad idea to take 10k out of super

youre the retard here

[Anonymous No.23988735]

>>23988574
It's the best bet you can make to retire early retard what's not to like if you have a view longer than 1 year

[Anonymous No.23988771]

>>23988690
Lol. This is why most ambitious Aussies move to London or the US

[Anonymous No.23988839]

>>23987286
I've had jobs and I currently live off neet bucks (with 70k in crypto). Theres absolutely nothing you could ever say to convince me that trading what little creative energy I have for a wage is a viable plan. Life just has no meaning at that point, i'd sooner off myself.

You probably dont even know what it feels like to wake up everyday and do whatever you want. Tick tock cuckold, you have work in the morning.

[Anonymous No.23988901]

>>23988839
I enjoy my work (quant trader) a lot, I don't mind working at all, especially for the salary it's great

[Anonymous No.23988922]

>>23988771
Yeah, it's a crying shame, here in Aus a lot of stuff is anti-ambition. it was actually my plan this year to find a way into silicon valley but corona set that back a little. Hanging with my parents till I find a way to get over there rn

[Anonymous No.23988930]

>>23988901
Trading firm pawns are the worst kind of slaves.

[Anonymous No.23988947]

>>23988930
Care to explain why?

[Anonymous No.23989138]

>Or does their financial situation just seem normal to them or something?

>re·tard·ed | \ ri-ˈtär-dəd \
>Definition of retarded
>1. informal + usually offensive : very stupid or foolish
> 2. dated, now usually offensive : slow or limited in intellectual or emotional development : characterized by intellectual disability

most normies are afflicted by situation 2 due to things like herd mentality and such. by the time they realize it theyre already in their mental wagie cage and realize they have worked themselves into a whole.

.t literal autist who was just this past weekend explaining to a normie friend about how useful statistics and understanding the standard deviation metric is but its kept away from sheeple deliberately for purposes of keeping the population ignorant so that theyre easier to exploit. you feel the shameful seething through phone when he realized he was one of those people getting raped due to going to some shitty for profit 'school'

[Anonymous No.23989190]

>>23988690
Australia is fucked so hard.

[Anonymous No.23989237]

>>23988771
not really, its mostly because of the exchange rate and proximity to trade, e.g. london and ny are financial capitals of the world whereas australia is not

[Anonymous No.23989288]

>>23988922
Me too dude. I've heard its quite easy to get an E3 Visa, like $200 and a week of processing

[Anonymous No.23989690]

>>23985139
>Or does their financial situation just seem normal to them or something?
They 100% think its the normal except for oligarchs. Nothing inbetween. When the dems had a primary debate they all had a big conversation about how to shut down oil on reddit. Someone said to just pay oil workers $1000 a month to quit. When mocked they bumped it up to $2000. They cant comprehend that there are jobs that make $10,000+ a month that dont involve tech or being a ceo.

[Anonymous No.23990209]

>>23985139
No, to be honest I didn't realise just how fucked I was until I came to /biz/. Now I'm still fucked but aware of it. Not sure it's an improvement to be honest

[Anonymous No.23990445]

I don’t think most have a clue

>friend who trades options
>”if only I could get to $25k I’d have enough money to quit my job
>”trades” options with $1k
>married w/ kid
>mortgage
>credit card debt
>started saving in 401k at 35

He’s fucked and thinks he has a chance

[Anonymous No.23990478]

>>23989138
>standard deviation pill

I think understanding variability is an IQ thing. I work in manufacturing and you can tell who understands variability by how fucked they are or not

[Anonymous No.23990597]

>>23986339
>>23986192
Same
In 2017 500 dollars felt like a fortune, I was depressed and miserable in medschool and considering suicide due to selfloathing. I entered crypto due to LINK.
I am now worth over 150k of which 40k is in either FIAT, stocks, etfs or pension funds and I am constantly praised at my work which I love.
Gonna take a mortgage just because I can and buy nice flat soon.
Damn my life changed a lot.

[Anonymous No.23990768]

>>23985326
They understand the situation, they just think it's possible to escape and beat themselves down for it.

We however have hope

[Anonymous No.23990789]

I am a normie and I hated the fact my family is poor all the time, soo I started to read a lot of books how can I improve. I am from small village and nobody is rich, nobody could tell me shit. So at 21 I had enough of paying my family's bills and get the fuck out of there. There was always this pressure that I must provide my shitty parents. But I left that behind. I got 1000€ in 50/50 BTC and ETH, I own shitty car and an apartment. It's not much but I feel relieved and can't wait to get even better in life. I hope I didn't miss everything and still get a decent 5x-10x so I can start investing in stocks as well. I wish you luck bros.

[Anonymous No.23990805]

>>23985403
Exactly people who are financially frugal realise money = freedom. Whereas normies money = dopamine hit/status/power (which humans endlessly try to chase all their lives)

[Anonymous No.23991132]

>>23990789
Good for you. Good luck. You should take care of your parents if/ when you get rich.

[Anonymous No.23991179]

>>23988616
Well put

[Anonymous No.23991247]

>>23987054
We are still in the dip. Dont wait, just buy rn before we hit 20k

[Anonymous No.23991275]

>>23985403
I fucking love but hate this line at the same time. The people that use this line are always wanting more money, are always broke, and working extra hours. Makes me kek.

[Anonymous No.23991343]

>>23986192
>>23986339
>>23990597

These. Even though I was wondering how to become rich before I got into the Crypto market (early 2017), Crypto basically gave a spotlight on my path in life, now I know where I'm headed.

[Anonymous No.23991447]

>>23986150
In my country the UK. Some people opt out of auto-enrol pensions which kick in at 22 (basically 5% of your working income). Some guy I work with in his mid thirties decided to do this then say I'll put some in a CASH ISA instead. He is genuinely well below 100 iq I think, he comes out with bullshit all the time. This is one of the co-workers who is actually 'good' with his money. The rest are even worse

[Anonymous No.23991528]

>>23986150
Fucking true. It's like a jewish scam to put clothing allowances in budgets. Every budget I saw in school or sixth form or at university included a moderate amount of clothing budget monthly, jews own the fashion industry. I have boxers still in daily use from when I was 14 onwards I am now nearly 25. Some clothes are made of some magic polyester that doesn't wear much each wash. Others are trash quality and rip or bobble after a few washes

[Anonymous No.23991588]

>>23986192
>the reality was that it would have been as easy as dumping my paycheck into ETH and waiting

We all learn this eventually DCA each month BTC/ETH/LINK/decent shitcoin is the only way you will manage to hold long enough to actually have a chance to cash out a huge profit near the top

Constantly buying and making multi week rather than multi year trades is how you will lose everything and cash out nothing

[Anonymous No.23991590]

>>23990805
True. When I reached $100k net worth and told my mom about it, her IMMEDIATE reaction was something along the lines of "that's awesome! that's enough money to live a good life for the next few years until you graduate!". It didn't even cross her mind that maybe my reason for saving money wasn't consumerism... Now I almost have 10x that money.
I have several 50+ yo family members who have been making six figures for many years but spent almost all of their incomes on consooming. And they all talk about being a millionaire as if it's something that is impossible for "normal people" achieve. One time I explained to one of them that they themselves easily could have $2MM+ and 6-figures in passive income by now if they just had saved 10-20% of their incomes for the past few decades.. That didn't go over well.

[Anonymous No.23991630]

>>23990805
"Only the rich and the poor realise the true value of money"

Ben franklin

[Anonymous No.23991665]

>>23986489
People often sacrifice their early career to live a bohemian life, thinking it will give them a deeper insight and some type of "answers".

Most of these young people aren't prepared for a possibility in which they emerge on the other side after 5 years ... with no answers.

There are no answers in life. There is only freedom, and the only way to get freedom is with money.

[Anonymous No.23991699]

>>23991590
Boomers are absolute mongs. Decades of high income with nothing to show for it but vacation photos and rapidly depreciating boats. Glad you took em to the woodshed for their financial illiteracy.

[Anonymous No.23991715]

>>23987041
If you get a loan literally direct from a central bank. But most businesses or people will have to get one from an institution which will Jew you out of any of those gains AND slap on a few percent interest for you for a tidy profit

[Anonymous No.23991737]

>>23987286
I don't think he means completely destitute

[Anonymous No.23991770]

sell signal: the thread

[Anonymous No.23991804]

>>23988616
Perfect. I'll remember this comparison, it's spot on.

[Anonymous No.23991841]

>>23988616
actually fucking spot on kek

[Anonymous No.23991846]

>>23988690
It's worse in the UK. It's truly cynically and miserable here, if you try and better yourself people laugh at you and want you to fail. You seem self absorbed etc if you talk about anything to do with a business good investment or job etc. In the US it's encouraged and taught from an early age to dream big.

[Anonymous No.23991907]

>>23991590
I bet it went something along the lines of 'how am I supposed to save 10-20% when I had you kids' or 'i have bills to pay'. One good thing is least you seem to have an extremely well off family who won't beg you for money, if they ever did you can turn around and say you earn hundreds of thousands spend your own, and not feel at all guilty ever.

[Anonymous No.23991910]

>>23991841
deano starter pack?

[Anonymous No.23991935]

>>23985674
>accept your fate and the prospect of never being rich because to them they don't believe they CAN be rich
eh, it's not so much about being rich. It's way more about achieving financial security. The vast majority of people, by definition, aren't going to be rich. But most people can be financially secure if they weren't hemorrhaging money on stupid shit non stop.

[Anonymous No.23991955]

>>23986489
Just cut out the penultimate sentence about nigger behaviour/dreams and you make some good points

[Anonymous No.23992002]

>>23990445
>options trading
lower/lower middle class has the lottery. middle class office workers have options trading. it's nothing but hopium.

i'm an accountant. my plan to escape the wage cage is to get my CPA and some more experience then apply for 100% remote jobs. buy a $150k house in my home town with a 30-40% down payment and wage slave for 3-4 years to pay it off in full, then transition to offering freelance accounting and bookkeeping services. if i don't fuck up or run into any roadblocks i could probably have all this done by my mid 40s (i'm 31.) much sooner if my gf doesn't fuck up with nursing school.

[Anonymous No.23992009]

>>23985403
this

>"omg i need work overtime to afford a big holiday"
you wouldnt need to waste money on a holiday if you had a cushy job

imagine grinding 49 weeks to enjoy 3 weeks, those type of people are the worst

[Anonymous No.23992081]

>>23991528
i realized the fact that kikes run the clothing industry when i was unable to source any brown shirts.

[Anonymous No.23992166]

>>23992009
The worst part about this holiday baloney is that they do it almost as a religious ritual to escape themselves, but they don't.

[Anonymous No.23992307]

>>23985139
They're just retarded even smart normies don't realize if you spend too much you will suffer, and the concept of saving and investing. I dated a girl that insisted on making house payments "because she always dreamed of having a house" but she was barely scraping by and had to pick up ubering. I told her to just rent a cheaper place or move in with her parents until she could save enough to move out, but she just completely refused.

[Anonymous No.23992347]

>>23986445
if they make a movie about crypto you can be sure it will be like wolf of wall street 2.0
its called acting kek they dont make these things historically accurate

[Anonymous No.23992403]

I haven't worked since my last sales job where I came in exceptionally drunk and threatened to kill my boss. Now I trade crypto and penny stocks for a living.

[Anonymous No.23992451]

>>23985326
This

They fell for the just wageslave for 50 years meme

[Anonymous No.23992499]

>>23991907
Same guy, changed my IP.
> I bet it went something along the lines of 'how am I supposed to save 10-20% when I had you kids' or 'i have bills to pay'.
That's almost exactly what my mom says. That and 'aren't you grateful for all the money I have spent on you??'... Of course I am.. But I wouldn't have minded a few less vacations, living in a less expensive apartment or staying at 3 star hotels instead of 4/5 star hotels..
It's a waste of time to argue with boomers about saving money/ investing. It's too late for them anyway. I try my best to educate my siblings, cousins etc.

[Anonymous No.23992500]

>>23992451

BUT NONE OF THEM SAVE ANY MONEY. THEY BARELY PUT ANY MONEY INTO RETIREMENT SAVINGS. THEY THINK I'M INSANE WHEN I PUT IN 10%.

HOW CAN I MAKE THEM SEE THE LIGHT

[Anonymous No.23992558]

>>23985637
It’s even like this in US. I play shows with a local band, making about $300/week in addition to my income. I was talking about wanting to quit my job if I can make enough money playing music and repairing computers, and my family told me I was being naive and childish for not wanting to make someone else rich with my time.

[Anonymous No.23992661]

>>23992500
Who doesn't even put a mere 10% of earnings in savings? Seems like a small amount if it's only 10% of net wages.
I put at least 30% of my after tax wages to my savings and investments and I think I could do better.

[Anonymous No.23992777]

>>23988690
No one really cares how you make money. Your friends don’t really wanna hear it. It’s just kinda boring.

[Anonymous No.23992907]

>>23992307
>insisted on making house payments
thats a good idea, getting a house is the best thing to do, of course if you can stay at your parents home thats better but if you have to move cross country to get the job you just have to rent unfortunately


also all the copers in the thread saying to save money... KEK absolutely dillusional

if you have an average wage and save 70% of it, ie 1000 euros a month, in 10 years you'll have 120k euros, that's still not enough for a house and thats saving 70% of your salary for 10 years


keep coping, you dont get rich by saving

[Anonymous No.23992909]

>>23986187
So they can finally own nothing and be happy

[Anonymous No.23992934]

>>23992907
Put it in an index fund and you double the money you put in every ten years after you've put it in.

[Anonymous No.23993334]

>>23989288
Really? Do you need a job or family/sponsorship waiting for you? When I went looking those were more or less the minimum requirements

[Anonymous No.23993494]

>>23992907
If you live in a wealthy country then 17k euros/ year is not an average wage. As far as I remember, the average pre-tax income is around $50k in my country. And remember, that number includes tons of brainlets, welfare leeches and minimum wage wagies.
If you're average IQ and get a good education (I'm assuming you're too retarded to make it on your own) then it's pretty easy to make $50k+/ year POST tax after a few years in a wealthy country. If you're smart or somewhat hard-working then you should be able to make $80k+ post tax.
If you invest 30%-50% of that money into a diversifed portfolio (mainly index funds) then you will reach $500k+ pretty quickly.
You're the one who's coping.

[Anonymous No.23993648]

>>23992907
If you live in a wealthy country then 17k euros/ year is not an average wage. As far as I remember, the average pre-tax income is around $50k in my country. And remember, that number includes tons of brainlets and minimum wage wagies.
If you're average IQ and get a good education (I'm assuming you're too retarded to make it on your own) then it's pretty easy to make $50k+/ year POST tax after a few years in a wealthy country. And if you're intelligent and/ or very hard-working then you can easily make way more than that.
If you invest 25%-50% of that money into a diversifed portfolio (mainly index funds) then you will reach $500k+ pretty quickly. And once you have mid six figures it gets pretty easy to grow your networth into $1MM+ because you'll be making lots of money from passive income (perhaps even more than your regular income), it will be easy for you to get mortages (if you want) etc. Speaking from personal experience.

You're the one who's coping.

[Anonymous No.23993804]

>>23993648
it literally is, keep coping (france)

[Anonymous No.23993881]

>>23993648
pic of proof i just googled it now

[Anonymous No.23993918]

>>23993804
It isnt (Netherlands)

[Anonymous No.23993968]

>>23993804
If you do a normal uni degree and aren't retarded it isnt too difficult to find a starting job with a wage of 2400€+ after tax here.
Mostly in finance though

[Anonymous No.23994038]

>>23991846
Yeah I can only imagine bong land, the entire stereo type I get from there is that it's a dreary, rainy and cynical shit hole - no offence. Australia is like that except apathetic, with the climate and environment embodies it
>>23992777
Checked and I agree, I actually try to never tell people about what I'm doing, it burns me out and makes me feel weird. it's when I'm asked and have to give an answer that the culture seeps through, you'll get this sort of blank "oh yeah" and they'll show no interest but then a week or so will pass and if you say your busy they disgruntuly say "oh, working on X? Gotta make it big." like they're pissed your trying to build anything

[Anonymous No.23994136]

>>23993804
I don't know much about the French job market, but you have a pretty decent GDP per capita so I assume you just have tons of inequality when it comes to wages. Move to a European country with better wages if you can't get a top tier job in France.
In my country you can pretty easily make 70k euros pre tax straight out of college with a CS or finance degree. More if you're very talented and/ or hard-working.

And I'm not coping, I'm almost set for life financially.

[Anonymous No.23994148]

>>23993968
even with a uni degree you barely get more

[Anonymous No.23994194]

>>23994136
>so I assume you just have tons of inequality
yes
also we're taxed out of the ass
if you wage you literally cant become rich in france, doesnt matter if you're earning minimum wage or you're an engineer, you can't become rich by saving here

[Anonymous No.23994274]

They know almost nothing about financial independence. To them, social security dictates life, so grinding from age 20 to 67 is the only way to live. When you save, you're not saving for retirement, you're saving for the next car or house and immediately spend it. Life is about always working for income and spending most of what you get.

I wish I'd known about financial independence and investing sooner, I would have made better decisions as a 17 year old looking at schools and mapping my career path out. I picked a great career but wasted too much time in school and racked up too much debt.

[Anonymous No.23994300]

>>23994194
We get raped by taxes too (Scandinavia) but at least our wages are very high.

[Anonymous No.23994302]

>>23994148
In France perhaps, but I got an offer from Societe Generale as a graduate for a job in France and it wasn't a bad salary (50k€+) as a graduate

[Anonymous No.23994335]

>>23994194

This is what people don't understand about most of Europe. Yes the safety net is robust and it's hard to fail completely there, but it's also tough to break out of the middle class and actually build wealth due to exorbitant taxes for any income beyond what you immediately need.

[Anonymous No.23994720]

>>23994302
>50k€+)
was this before or after taxes? People that tell me their salaries before taxes make me laugh.

[Anonymous No.23994742]

Travel nurse here.
I made 100,000 after taxes from overtime and hazard pay working in field hospitals in NYC Central Park during the height of the COVID hysteria.

If I play my cards right I’ll be retired by 30.

[Anonymous No.23994779]

>>23992499
Looks like you can handle yourself. Produ of you fren. What do you think about my situation?, since I have started working as an engineer at a plant, making good money, I have becone somewhat stingy and turns into the most despised son among my siblings because I never treat them a meal, never buy new clothes, phone, etc. or vacation. This is a good sign right?

They dont know shit about what I do with my money or about my investment (50% of my salary went into crypto). I am thinkin on leaving my family and quit my job once I have made it (1mill usd = 4.12mill my currency).

[Anonymous No.23994840]

>>23994302
>>23994720
because if its after before taxes thats 2750 euros per month which is very good here (and nearly impossible to have for a first job) but you still dont become rich with a salary like that

im also betting that that would have been a job in paris which is extremely expensive in terms of rent, so that salary is not actually that much either

[Anonymous No.23994902]

>>23991528
It's imprinted on the female brain. I am moving with my gf next month and she already has a mental list of "things I need new ones of" I've already shot her down multiple times. "Your desk is so old, you need a new one" My desk is about 3 years old. Literally nothing is wrong with it. Women just like spending. I at least have her hooked on things like fb market for furnishing our new place at a good bargain. Still:
mattress is 2 years old "need a new one!"
Sheets on mattress are 3 years old "New one!"
Clothing is 4 years old: "You need new clothes!"

I am frugal both for the sake of finance and I have become slightly more conscious about environmentalism. I know what I do makes 0 difference for the earth. It's just that I've become more disgusted by things like the pile of 20 "coupon newspaper" that get plopped on my apartments complexes front door step, and then immediately put in the trash every single week because no one reads them and no one asked for them. I don;t recycle because I know from being a garbage man for 1 year that recycling is an outright lie. The recycling bin goes through a tumbler and then straight into the landfill. Maybe 1% gets recycled. But I've gotten her to learn how to sew and repair clothing so it's a start.

[Anonymous No.23994930]

Instagram and Netflix are a helluva drug anon

[Anonymous No.23995093]

>>23994902
It's one of the main factors why feminism is pushed by the powers that be. Men, in general, are frugal and don't feel the urge to just spend resources on dumb bullshit. Women are basically hardwired to sap resources and spend it on whatever the latest social signals tell them to. It's no surprise the big corporations and their ilk want women controlling the purse strings and holding more wealth. Because it just means it'll go right back into their own pockets.

[Anonymous No.23995107]

>>23994840
Before taxes but bonus is roughly the same size in first year.

[Anonymous No.23995255]

tfw you realize you will never escape the wagecage

[Anonymous No.23995504]

>>23995255
im glad to have been of service
>>23995107
ive invalidated your argument, you can cope and tell me you have a bonus and sheit but we both know you're lying

[Anonymous No.23995555]

>>23995504
would it be best to kms now or after my lunch break?

[Anonymous No.23995602]

>>23995504
>We both know you're lying
Mate in my field of work bonuses make up most of your salary, after 3 years of doing what I do more than 75% of your salary is bonus alone

[Anonymous No.23995653]

I just want to say I love all of you fuckers in this thread. It’s so fucking awesome knowing there are other people like me who aren’t hardcoded NPC’s. Seriously love you don’t even care if this message is gay

[Anonymous No.23995670]

>>23995602
arent bonuses based on the amount of sales you can do?

[Anonymous No.23995687]

>>23995670
I don't work in sales so no that's not what my bonus is based on.
I'm a quantitative trader, the more money I make for the company the bigger my bonus is

[Anonymous No.23995710]

>>23985403
Lol Exactly.

[Anonymous No.23995931]

>>23985139
Fuck being a normie OP. They always say I work too hard and when I try to help them they never listen. Fuck em. If the jews are right about one thing its that normies really are fucking cattle. I wouldnt take advantage of them like they do but they should be disregarded on opinions of most things.

[Anonymous No.23995934]

>>23995687
there you go, it's not at all a fixed thing where you know for sure you'll be payed that money
it depends on how well you trade
finance is one of the outliers everywhere in the world when it comes to salary but even then when you take into account how much you guys work (60 hours or more) you dont make much euros per hour

even with the best outlier job you could find you have showed that it is impossible to get rich in most of western europe by saving money from your salary

[Anonymous No.23995996]

>>23995934
I only work 50 hours a week, I'm tied to the opening hours of the exchanges.
Base salary is 60k euros for me before tax now at my current firm and guaranteed bonus in first year is equivalent to that.
Now with Corona however bonuses are fucking insane for more senior traders because they made so much money off of the crashes and enormous upticks.

[Anonymous No.23996009]

>>23995093
It's true. It takes time to scrub out the COOONSOOOM. But It can be done. Not entirely, but you can reduce it. For instance women want iphones. Me, I buy a 170 dollar Andriod when its on sale. Is it a little slower? Yes. But I don't care, it does maps, email, text, phone. Idgaf about shitty mobile games. But for women its "omg get a new phone!" Only women are bothered by what their partner consooms because of the social signals it sends. All the normies I know have 100 dollar a month phone plans. I tell them I only pay 35 a month and they assume I am a fool using shitty phone service. My service uses the exact same cell towers.

[Anonymous No.23996013]

>>23995653
same to you bro

[Anonymous No.23996046]

>>23995934
I'm able to put away at least 1500 euros a month on this salary, if I were to put it in an index fund in ten years the money I put away in a year will be worth roughly twice that, or 36000 euros.
Now imagine you do this every year, you just put away money every month from your salary and don't look at it after you've put it in an index fund, you'll have doubled the money every ten years.
It takes time but it isn't unachievable

[Anonymous No.23996080]

>>23996009
I've never understood the obsession with needing new phones. 99% of people just use their phones for calls/text/music/youtube/web browsing. None of those things need high-end specs. It's like spending $3000 on some ridiculous PC setup with a 3080ti that you only use for facebook and email

[Anonymous No.23996137]

>>23996080
Call quality and camera quality are important to me, I don't mind spending a little more on a phone for that. Still I only spent 450 euros on it or roughly 500 US dollars but that's not that much money anyway.
Especially considering you only buy a new phone every three years or so

[Anonymous No.23996285]

>>23985674
This. Every normie I've talked to knows that they live in a dystopia with their only pleasure to mindlessly consoom media generate by the same people that put them into this dystopia. They know this. We don't have any special information compared to them. The difference is that they *chose* to go into their cages like obedient dogs, whereas we fight against the leash. Animals learn to love their cage.

[Anonymous No.23996409]

>>23996080
I have a bitching PC that I do need for work as I do VFX. But I find myself mostly playing games like Shovel Knight these days which could be run on a calculator.

[Anonymous No.23996567]

>>23991841
I find your picrel very entertaining

[Anonymous No.23996571]

Its interesting, the average Norwegian has an incredible high net worth (approx household net worth is 285 780$) but 90% of that is based on insanely high house values and big amounts of debt. The Norwegian people stumbled into wealth by accident because we have a culture of owning our own houses here (95% own their own house, nobody rents) when the housing market went crazy, Norwegians became wealthy.

But it is a terrifying thought that if there is a housing market crash 50% of people's money might disappear over night. They have no other valuable assets, and they spend EVERYthing they earn on stupid shit. Now that immigration is slowing down, house prices have gone from increasing an average 15% yearly to only 2%.

[Anonymous No.23996749]

>>23995653
:)

[Anonymous No.23996763]

>>23996571
And even more scary, within the next 15 years a quarter of all owners of houses are going to die of old age. Flooding the market with new houses.

Despite all this, I still think investing in a house is a good thing, but its really bad that the only reason Norwegians have anything of worth is because they are forced to save by paying their debts, and it just so happened by chance to be a good investment.

oh,pic related. the picture translated says: share of capital (divided by age group)

[Anonymous No.23996995]

What resources are there for a newfag like me to consult? Most of /biz/ sounds like a foreign language to me atm.

[Anonymous No.23997161]

>>23996009
my wife also loves to conssooom. lived together 6 years and every year we have to clear out the apartment for junk/kitchen gadgets/etc that take up space. i've also been trying to get her to use a credit card with points. I'm big into the points game and she knows its allowed us to go on nice vacations around the world. If she used a credit card it would help both of us go on more vacations, but she refuses and uses Debit.

[Anonymous No.23997263]

>>23987487
This is what i did. And then put ten to 20 % in risky shit and lucked out with crypto. Shortened that 30 year horizon to 2 years.

[Anonymous No.23997296]

>>23994902
however, i will say if you have the money and she has good taste, its nice to let your girl spruce up the house a little

[Anonymous No.23997344]

>>23990789
>There was always this pressure that I must provide my shitty parents. But I left that behind.
you did the needful

[Anonymous No.23997350]

>>23985139
Normies don't have a savings or financial plan for the future. Money comes in, money goes out.

[Anonymous No.23997452]

Normies just like to consoom. They can't think abstractly enough about finances and even if they can, they can't delay gratification. Look at Buffet for example, he's rich as fuck and lives a modest lifestyle. Meanwhile, I know people who buy Lexus' on credit and apparently in the UK you can even rent a 300 pound washing machine for ~80 pounds a year.

>>23996995
Just buy broad funds, like SPY, VOO, VYM, VTI, etc.

[Anonymous No.23997499]

>>23987487
You don’t get it. Working for 40 years makes me want to jump off a fucking bridge. I don’t want to have money when I’m a disgusting old man, who spent his whole life in an office.

[Anonymous No.23997676]

>>23994274
>I would have made better decisions as a 17 year old looking at schools
Man... same. I could have fucking stayed home and learned computer science shit. I would be rich by now. Instead I have a meme engineering degree, a shit salary, and a fuckton of debt. At least I have my linkies I guess

[Anonymous No.23997811]

>>23997296
agreed, theres never enough motivational words posters

[Anonymous No.23998100]

>>23988616
Anons can you explain on this? Is it because they want to get the best girl (financial freedom) by fapping (wageslaving)? Help me understand because I am a volcel, I want to live and die alone. No marriage no kids no loans no normie coworkers/friends.

[Anonymous No.23998115]

>>23985326

Best post.

Normies in America are so brainwashed they are proud to be slaves. They are literally house niggers who are proud that their masters let them into the home, and look down on the field niggers.

Shit is insane. No one owns anything and most everyone is paycheck to paycheck. Thank God I've escaped this shit.

[Anonymous No.23998126]

>>23997499
No, you don't get it friend.

You should be doing this already. Once you are guaranteed retirement in 40 years, you can start working and planning on how to retire in 30, then 20 and then 10 etc. It is way easier and more tangible to look at your finances and investments this way, because it forces you to plan ahead and schedule. you aren't going to suddenly become rich by luck.

That new gaming PC, that will postpone your retirement one year. That new car? 5 to 10 years at least! Now you can ask yourself the question if those things are worth it and you get a much better perspective in an easy understandable way.

So if you aren't even able to make sure you retire in 40 years, you probably won't make it in 5-10.

[Anonymous No.23998159]

>>23997676
>>23994274

The "what if" game is a complete waste of time and energy. The past events in your life had to happen they exact way they did, for you to become the person you are today.

Be thankful that you know what you know now, and you didn't have to learn this wisdom when you were much older. Most people never learn how to successfully navigate life. Hell, most millennials (like my friends) are too shell-shocked from 2007-08 to put a single dollar into investments.

Here's some euphoria:
https://www.youtube.com/watch?v=4ykbsChEriA

[Anonymous No.23998165]

>>23992081
Lol

[Anonymous No.23998209]

They do deep down but they use social media and their peer's opinions to drown it out. I know so many bullshitters on facebook advertising their real estate, house flipping, etsy stores on fb acting like they have it made and then opening kickstarter when their dog need surgery or their car breaks down.

[Anonymous No.23998526]

>>23985139
I've watched enough Dave Ramsey to just assume that everyone I see is broke. When I see someone with a nice car now I just think they're in debt.

[Anonymous No.23998585]

>>23998526
Beans and rice, rice and beans

[Anonymous No.23998687]

>>23994742
Find a husband and get children or you will become an eggcel and rope.
Cut that from 30 down to 26 maximum and find a husband that is at least equally intelligent.

[Anonymous No.23998877]

>>23998126
>It is way easier and more tangible to look at your finances and investments this way
Fair enough, I agree with that sentiment. But fuck the normie idea of settling for retirement funds.
>>23998159
Based Zyzz poster. Agreed, I don’t wallow in regret or anything just get bummed out occasionally (especially on this board). Hoping I can at least make some wise crypto decisions thanks to you guys.

[Anonymous No.23999289]

>>23991841
Bong housing is so depressing, everything is so small and cramped

[Anonymous No.23999809]

>>23997161
I used to be scared of credit cards because my parents where in big credit card debt and made it sound scary. Then I realized my parents where normies and too stupid to just click fucking "auto-pay" and get 1.5% off every thing.

[Anonymous No.23999872]

>>23985460
I hope you’re right. I’m lined up to sell my house soon. Hoping to time the market at buying a new house at crash

[Anonymous No.23999929]

>>23987829
If you want to feel like a nigger I'd be willing to crack you with a whip.

[Anonymous No.23999990]

No.

Most normies are happy and willing to work forever. The ones I know are annoyed about working from home for so long and miss being in the office and socialising.

It’s interesting

[Anonymous No.24000072]

>>23985798
Wait is this really all it takes to be a normie?? How do people not have 2k in the bank? This seems impossible...

I bought a new car in 2016 and paid it off before the year was over... And all student loans shortly after graduating. Do people just go for useless degrees or something in burger land?

[Anonymous No.24000353]

Do you guys also HATE spending money? I still have a $200 phone from 2014, computer from 2013, and barely buy anything I do not absolutely need. Can't remember the last time I bought something just because I wanted it.

I have enough money to buy stuff I want, but I still don't do it. Blows my mind that so many normies buy a new phone and other gadgets every year without thinking twice about it.

[Anonymous No.24000404]

>>23994742
You must be one of those rare male nurses. Literally zero women, nurses especially, have the intelligence to achieve such a thing

[Anonymous No.24000468]

>>24000353
Same anon. Usually upgrade my closet wardrobe every 3-4 years. Usually get a new phone when it slows down a lot (typically takes 4-5 years). Upgraded my pc for the first time in 7 years. Rewarded myself after graduating, but since then... I'd say 90% of my spending goes to food.

[Anonymous No.24000527]

>>23997161
Damn you married a very stupid woman, which leads me to believe you are very stupid yourself. Also, every thing you just said was absolute peak boomer

[Anonymous No.24000567]

>>24000468
You must live at home then

[Anonymous No.24000642]

Normies will always be fine because if the system truly fucked them, they've got the numbers to burn it all to the ground.

[Anonymous No.24000723]

if i dont make at least 10m by the end of this bullrun im going to buy a van and live in it
im tired of paying for this fucking rent and im not buying some overpriced boomer mansion

[Anonymous No.24000829]

>>24000642
>Normies will always be fine because if the system truly fucked them, they've got the numbers to burn it all to the ground.
its actually like tossing a coin. Some normies will be better off (and will truly believe its because of their flawless character and intelect) while others will die. Come to think of it thats how it goes, out of millions of normies theres bound to be some who will get lucky, this way or that way.

[Anonymous No.24001118]

>>24000468
>I'd say 90% of my spending goes to food
Learn to cook you lazy bitch

[Anonymous No.24001152]

>>23988922
Start sending resumes and work projects to companies in the US. Try the ones in Utah, some anon mentioned Silicon Slopes is a big area now and need bodies to work.

[Anonymous No.24001317]

>>24001118
Working on it anon

[Anonymous No.24001495]

>>24000353
>Do you guys also HATE spending money?
The thought of spending a lot of money especially for a phone makes me get anxiety.

[Anonymous No.24001578]

>>23991447
pensions are a ponzi scheme and a scam pal. your friend might not be as dumb as you think he is

[Anonymous No.24001800]

>>24000353
Last thing I bought was a car for $7k because my $1.6k beater was dying, and I'd never spent more than 1.6k on anything in my life. It was hard but I was sick of driving pieces of shit.
Upgraded my 2014 phone last year (because it broke) for $250 too.

[Anonymous No.24002122]

>>23985139
normies are literally BoringDAO lol

[Anonymous No.24002164]

>>23995555
digits confirm now

[Anonymous No.24002246]

Normoids find "living from paycheck to paycheck" normal.
I mean there are a lot of Anon who live the same way here on /biz/, but they at least know they should get their shit together.
For Normies it's the "normal", then they get even more indebted with mortgage, car loans and so on and have to get a partner so they can split the bills. Imagine having to live with someone you don't necessarily love just so you can get by financially.

[Anonymous No.24002386]

they told me to go to work and not sit around all day

I was the misfit of the family

now my ass sits on 100k lmao get fucked normies

[Anonymous No.24002426]

>>24001317
protip: buy noodles and rice in packs of 10k, same for salt and tomato sauce.

You will pay 5-10x less

[Anonymous No.24002452]

>>23990768
>They understand the situation
How so? This does not parallel my experience at all, although I do not talk to many people.

[Anonymous No.24002453]

>>24002426
>packs of 10k
10kg*

[Anonymous No.24002499]

>>24001578
I didn't even know pensions still exist, except for those grandfathered in decades ago. With the exception of government employees, anyway.

[Anonymous No.24002536]

>>24002246
I couldn't imagine living like this. One thing goes wrong, like you get in a major car crash, or you get laid off from your job, and you're basically fucked.

[Anonymous No.24002579]

>>24002426
Thx anon will look into it

[Anonymous No.24002760]

>>24000527
indeed i am a boomer. ive seen threads here claiming its wise to marry a woman who is less intelligent than them. dont remember why. doesnt matter, ill be livin off divvies.

[Anonymous No.24002965]

>>24002760
Windows 2000, now that was an operating system. They don't make em like that anymore. *crack* Yeeep. *sips*

[Anonymous No.24002985]

>>24002426
>>24002453
>"Lemme get a fuckin uhhhhhh...10000 packages of rice"
>"You, uh, starting a restaraunt or..."

[Anonymous No.24003047]

>>23992661
I put 5% to my Roth (employer matches 5%, so it's more like 10%), and invest about 30-45% of my income into LINK based on my expenses at the time (haven't invest the past couple weeks because of expenses regarding Thanksgiving, Christmas, and some family birthdays)

[Anonymous No.24003634]

>>24002985
10kg of rice are 20 packs, same for noodles you fucking moron

10kg salt costs 1/10th of the same amount in 250g packets, have you ever coocked without salt?

There is some stuff you'll will always need and can be stored for a long time.

I also have 5kg of red lentils which I will add everywhere where I use ground meat, it's cheaper, tastes better and is more healthy.

[Anonymous No.24003682]

>>23995255
It starts in your head. Just tell yourself that you will escape the wage cage and it will happen.

[Anonymous No.24003703]

>>24002426
this is peasantry

our body must be /fit/ to be operating at maximum efficiency and clarity.

[Anonymous No.24003938]

Anyone check into collabed projects with LID Protocol, I been watching Lock3r Network closely and they have been looking really active recently. imma feed my village with this...

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