I’m afraid to spend money

[Anonymous No.29940306]

I’m a fully employed mechanical engineer with a $75,000 salary, I have no debt and around $170,000 in savings. I live in my car to avoid having to pay rent because I am so averse to spending money. I still have an iPhone 5s that my parents got for me during college, that’s how I’m writing this. I shower at the gym, I get gym membership through company.

Nobody knows I live in my car, not even my parents. I can’t stop saving money, I keep saying once I hit a certain point I will be worthy of having a home or an apartment but once I hit that savings amount I just push it back further. I keep thinking I don’t have enough saved for an apartment, I think of all the bad things that could happen to me in succession (like getting injured or something and being unable to work, having to buy a new car etc) and then I would lose all my savings.

What should I do?

[Anonymous No.29940389]

lol what the fuck is wrong with you anon

[Anonymous No.29940394]

you already know what to do just go do it. start off renting somewhere so you don't freak yourself out by living in a building. get used to having to manage house expenses before you actually buy a home. and buy my shitcoins

[Anonymous No.29940479]

What do you eat anon? You must be bleeding out your pockets with fast food

[Anonymous No.29940502]

>>29940306
>saving money
>not investing said money

[Anonymous No.29940523]

>>29940306
seek therapy anon

[Anonymous No.29940527]

>>29940479
I store food in my office and eat at work, I make ramen and peanut butter sandwiches and other easy stuff.

[Anonymous No.29940530]

>>29940306
File name checks out. That’s definitely from an iPhone. I agree with you about renting. I have about $90,000 saved and still feel like there’s no way I could afford an apartment. I’m going to live with my parents for as long as possible.

[Anonymous No.29940571]

What’s your last name?

[Anonymous No.29940584]

>>29940306
I wouldn't recommend you throw it into crypto or any kind of risky investment at all because you sound like a little bitch so whatever you buy into you'll immediately pull out at a loss.
Buying real estate is a good strategy, wait for the great depression 2.0 coming soon though, you can get a place for chep.

[Anonymous No.29940610]

>>29940306
Are your parents Jewish?

[Anonymous No.29940617]

>>29940306
Buy a house with a big yard to find a new purpose in life. Don’t be a rentcuck

[Anonymous No.29940630]

>>29940306
You're LOSING money by not investing, retard

[Anonymous No.29940680]

>>29940306
Just rent a fucking room instead of a whole apartment, much cheaper compared to a 1 bedroom all to yourself and you don’t risk getting fucking murdered.

[Anonymous No.29940698]

>$170,000 in savings

You at least smart enough understand this is completely stupid, right? That your mental disorder is actually costing you money, right?

[Anonymous No.29940700]

>>29940306
If I had 170k saved up you could fucking put a $50m down payment on a house and live in it for a minimum of 4 years absolutely NEET life.
You do realize even if you get fired the moment you close on the house your guaranteed set for a minimum of 4 years?
Holy fuck what is wrong with you man
4 years is a fucking long time and even going 6 months unemployed you’d still be in the clear AND have a house you’re investing in
Goddamn what the fuck are you waiting for
Like Jesus... what the fuck man

[Anonymous No.29940701]

>>29940306
You are a fucking loser mate.

[Anonymous No.29940708]

Ignore them OP you are going to make it. Keep saving until there is blood on the streets then cruise through in your savingsmobile and snap up assets like a jew

[Anonymous No.29940737]

>>29940306
I can't even imagine existing without a couch.
Do you not like being comfy?

[Anonymous No.29940753]

>>29940306
what kind of apartment are you trying to buy where 170k isn't enough for a downpayment

[Anonymous No.29940765]

>>29940527
Some day you will die. Probably from a nigger killing you for sleeping in a car. You will lose everything of value on your person to him. All your savings and left over assets will go to your family members and they will live the life you worked hard for. They will spend it ALL very quickly.

[Anonymous No.29940773]

>>29940708
He's too afraid to invest. He'll never make it.

[Anonymous No.29940784]

>>29940306
170k in cash?
do you hate money?

[Anonymous No.29940816]

Please stop

[Anonymous No.29940845]

Get a tiny home. Have some comfort anon.

[Anonymous No.29940862]

>>29940610
No, I an American EuroMutt, part Irish/Polish/German.

I am extremely risk averse, it has plagued me my entire life. I was getting weird looks wearing an N95 mask in grocery stores in Jan of 2020 but I didn’t care, I just didn’t want to take any chances until I understood the risk. As a child I use to look back and forth 8 or so times before crossing the street because I had to be sure there were no cars coming. It’s just how I am I guess.

[Anonymous No.29940903]

>>29940306
Based and frugalpilled. YGMI King.

[Anonymous No.29940909]

>>29940306

Get a woman and she will spend it for you.

Not even joking. Just set up automatic deposits to savings and don't even look at your account. When you have a partner you also don't have to fear the worst case scenario, because she will be there to continue earning money while you recover.

[Anonymous No.29940941]

Although it's impressive how much you managed to save, that very same mindset will most likely prevent you from doing anything slightly risky to potentially double or triple your money.

[Anonymous No.29940957]

>>29940862
Unironically get therapy. Maybe try MDMA if you can source high quality stuff.

[Anonymous No.29940985]

>>29940862
>maskcuck
Never mind you're doomed, just donate it to BLM. Keep the receipt to ward off chimpouts. It won't work but it will be funny

[Anonymous No.29941062]

>>29940306
Buy a cheap house in a decent location fucking hell

[Anonymous No.29941090]

>>29940584
>>29940630
>>29940698
>>29940784
I understand the concept of the time value of money and opportunity cost. I just feel I am too uneducated to be able to adequately pick the right investments at the moment, I am still trying to educate myself on basic investing principles and how a person goes about valuing a company. I know I need to grow my money before it’s too late and I will starve to death in old age due to running out of savings.

>>29940765
I have very little risk of this happening, the plan I developed makes it very unlikely.

[Anonymous No.29941099]

>>29940816
fuck off retard

[Anonymous No.29941124]

Your behavior is clearly abnormal. Nobody would opt to live in a car when they clearly have the funds to live in an apartment.

Answer me this: What is your biggest fear? Why do you think that is? When did this fear start appearing in your memory, and why can't you let it go?

[Anonymous No.29941128]

>>29940708
>savingsmobile
kek

[Anonymous No.29941134]

>>29940845
Buy land, build foundation, buy mobile home (tiny home is a meme) setup electricity and sewer/water lines. Live life knowing you made it

[Anonymous No.29941167]

>>29940753
Rent is criminally high in many areas. A studio apartment is about $1,500 on the low end.

[Anonymous No.29941172]

>>29940306
Nigger people who make 25k can afford an apartment.

>getting injured with insurance and unable to work
retard doesn’t understand his benefits
>having to buy a new car
retard doesn’t understand you can buy $1000 junkers
>im going to lose my life savings from getting injured or buying a new car
yeah you’re just a fucking mentally ill retard

[Anonymous No.29941176]

>>29940985
This was well before anyone was wearing masks or the issue had become political, well before anyone understood the virus.

>>29940909
I’m way too weird and way too far gone for a woman to ever want to be near me.

[Anonymous No.29941198]

pic of your car-home or didn't happen

[Anonymous No.29941218]

>>29940306
You might be a miser, take a look at John Elwes

https://en.m.wikipedia.org/wiki/John_Elwes_(politician)

[Anonymous No.29941253]

>>29940862
>I just didn’t want to take any chances until I understood the risk
What is the problem with being autistic about calculating your expenses if you bought a house? You can still live frugal in a house.

[Anonymous No.29941340]

>>29940389
Bruh, just invest and thank us later. If you're too scared you can get a supply elastic token like MARK it will keep you above the red sea.

[Anonymous No.29941353]

>>29940306

Buy 5 Monero coins

[Anonymous No.29941435]

>>29940306
Well pal, you need therapy, go to a cognitive behavior therapist (other therapists are just bullshit), you can find one of those on-line. Make a personality disorder test. Find what you have and try hard to fix it. Why not just live with your parents and let them pay all to you?

[Anonymous No.29941826]

>>29940306
At least buy some land to park your car on.

[Anonymous No.29941940]

>>29940306
friendly reminder that going to heaven is very easy

even athiest historians/scholars believe Jesus existed. Don't miss out eternal life /biz/

[Anonymous No.29941996]

I just ordered Jazz delivery and tipped the guy 16 bucks on a $50 order.....
and I got less than 1k, I think being broke means you spend more.

[Anonymous No.29942102]

>>29941940
Shoo shoo shill

[Anonymous No.29942152]

>>29940530
$90k? Pffft... That's like one trip to the ER if you have bad insurance. Or maybe one or two sessions of chemotherapy.

[Anonymous No.29942252]

>>29940862
Based. Started wearing a P100 gas mask in late Jan....then stopped in late March when I realized it was a hoax and a lie meant to destroy America.

[Anonymous No.29942257]

>>29940306
Just put your savings into VTSAX and don’t withdraw it till ur retired. Get an apartment too faggot, you probably smell like shit

[Anonymous No.29942273]

I agree with any anon here who suggests therapy. Everyone has a phobia of some sort. I'm similar to you, but my fear of spending comes from an uncertain future... That, and an aversion to growing attached to people or things due to said uncertainty. If you're afraid of losing that money, as counterintuitive as it may sound anon, you can have wealth that isn't fiat currency. Land is wealth and not only do you get to keep it but you get to enjoy it too.

[Anonymous No.29942304]

>>29941940
Based.

[Anonymous No.29942331]

>>29942252
same

[Anonymous No.29942459]

>>29940502
He's still doing better than 99% of the anons here who do invest their money honestly.

[Anonymous No.29942559]

>>29940306
sounds like freedom from mortgage payments and property tax and utilities. keep living out of car and save money. i wish i was you.

[Anonymous No.29942593]

>>29940306
This is absolutely pathetic. What a waste of life. Ha.

[Anonymous No.29942641]

>>29940306
this is what you do.
>1. withdraw you entire savings
>2. long BTC on 10x leverage
>3. sell when you have a gorillion sats
this is what a man would do.

[Anonymous No.29942650]

>>29941090
always stay at least 50% in the stock market. you are losing to inflation if you just hold cash.

[Anonymous No.29942679]

just buy a house and rent out parts of it that you don't use. With the money you make, there is no need to be sleeping in a fucking car like a dirty hippie.

[Anonymous No.29942725]

>>29940306
>I live in my car to avoid having to pay rent because I am so averse to spending money.
would have been a better bait/larp without this part
even for the pathologically frugal what they do is find somewhere really, disgustingly, horrifyingly cheap

[Anonymous No.29942736]

>>29940527
incredibly autistic
>typical engineer
lol

[Anonymous No.29942785]

>>29942679
I don’t want to live with normalfaggots, I feel physical revulsion when I’m around them for too long. Otherwise I may have already gone into a multi roommate situation

[Anonymous No.29942918]

>>29941090
Invest in the capital of life bro...buy some land and grow some fruit trees on it, investments that will last generations

[Anonymous No.29943099]

>>29942785
Dude it's YOUR HOUSE . YOU Get to choose who rents it. Only let high functioning autists , fat cheeto stained fedora lords and incels rent from you if that's within your comfort zone just gtfo out of your car. You've got enough money there is no excuse.

This entire thread is probably a larp anyway I'm probably wasting my time.

[Anonymous No.29943334]

>>29941218
Wow.

[Anonymous No.29943515]

>>29940306
>dumb idiot literaly has enough money to just fucking buy a house entirely but lives in his car
jesus christ I will never make it competing against stupid fucks like you, will I? Go buy a fucking house you absolute autist. You dipshit. Fuck you. Go buy a fucking house. The rest of us are wagecucking it just to pay our mortgages and here you are living in your god damn car with enough money to get me out of debt. Fuck you. Go fuck yourself, you fucking fucker. FUCKING PHONE POSTERS EVERY SINGLE TIME
FUCK YOU FUCK YOU FUCK YOU

[Anonymous No.29943728]

>>29940306
>$75k salary
>$170k in savings
>voluntarily homeless
Money is a means to improve your life. Its primary purpose is to be spent. Not sure what phobias you're struggling with but you need to deal with this shit.

[Anonymous No.29943779]

>>29940306
Kek I'm 25 and quit in October and just booked a 5k vacation to cabo

[Anonymous No.29943818]

>>29940306
Break the cycle slightly putting $100 at a time in crypto or stocks at a safe time

[Anonymous No.29943878]

>>29940530
How are people like this? I’m trying to just get 10k in passive income and live with a roommate

[Anonymous No.29943941]

>>29940306
buy a cheap house

[Anonymous No.29944011]

>>29943728
It's like manure, it's just a pile of shit unless you spread it.

[Anonymous No.29944036]

>>29943941
Anon what if he loses his job, gets injured, and his car breaks down at the same time

[Anonymous No.29944098]

>>29940306
I can relate to this. I was 20 when the financial crisis hit, my dad passed away the same day Lehman Bros went under, I spent the next few years struggling to survive. It’s affected me a lot and I always made sure to spend less than I make. I feel guilty when I splurge on anything, even though I can afford it. 12 years later though I’ve got 450k, no house yet.

[Anonymous No.29944246]

>>29942736
lost

[Anonymous No.29944449]

>>29940306
Bro I think you need to see a counselor. That is not normal at all.