/biz/ - Business & Finance

[Anonymous No.51252132]

Single, 30, M, Income $250-300k a year

What should I do

A
Live with parents
Save ~$1700-2000 a month on rent/expenses
Don't need to cook or clean
Big house, big room, big backyard to do your main hobby
Commute to work

or

B
Have my own apartment
Cut 2+ hours worth of commute time each day (~4 days a week)
Tiny apartment
Shit hole area that I'm scared to leave the house
Won't be embarrassed to bring grills over

[Anonymous No.51252142]

>>51252132
you're 30, you should have moved out over a decade ago jfc

[Anonymous No.51252158]

>>51252132
How do i get a qt asian gf

[Anonymous No.51252195]

>>51252142
this

/thread

[Anonymous No.51252516]

>>51252132
>Single, 30, M, Income $250-300k a year
literally the same here except I live with my parents and wfh
I dump every paycheck into crypto since I don't have any expenses
at this rate I'll be able to buy a house outright and retire by the time I'm 35
maybe earlier desu

[Anonymous No.51252530]

>>51252142
loser spotted

[Anonymous No.51252572]

>>51252132
living with ur parents making that much money at 30 doesn't make sense unless you're a married brown immigrant. but if ur really making that much i doubt girls are gonna care that much

[Anonymous No.51252603]

>>51252132
>30y
>cannot even have sex in peace
>still wasting time to commute to penny pinch
>doesn’t care about independence
i moved out at 18 and made it regardless
you can always make money, you can’t have your twenties back and hundreds of high school bitches you didn’t fuck
It’s ok to save on frivolous things
It’s not ok to waste your life experiences

[Anonymous No.51252617]

>>51252132
>Single, 30, M,
GO BACK HOLY FUCKING SHIT

[Anonymous No.51252628]

>300,000 a year before taxes
>*lives with mom and dad*
Fucking based.

[Anonymous No.51252650]

>>51252603
>It’s not ok to waste your life experiences
Those experiences are worthless anyway. Quit the zogbot mentality already. Getting face shitted and fucking univ whores every weekend will never make you a better man.

Studying philosophy and history, meditating, helping others, being honest with yourself, keeping your dignity in the face of adversity, that's what make you a better person.

[Anonymous No.51252737]

stop pretending that any woman would go back to a 30 yo's parents house for sex. that isn't a thing. that doesn't happen.

[Anonymous No.51252775]

>>51252737
I make $400K a year and I like for my parents to watch me

[Anonymous No.51252829]

>>51252132
option B

[Anonymous No.51252837]

>>51252132
>Cut 2+ hours worth of commute time each day

[Anonymous No.51252858]

>>51252650
you don't get a better man if you never leaving the basement

[Anonymous No.51252871]

>redditor making $300k/year either has to commute 2 hours a day or live in the ghetto
That makes sense, good reddit brain

[Anonymous No.51252873]

>>51252132
> $250-300k a year
>Tiny apartment
>Shit hole area that I'm scared to leave the house
I think you added an extra zero on the end of your salary

[Anonymous No.51252874]

300k after taxes is 150k, you’d spend 25k a year on housing, you’d spend 10k a year on food, 5k a year on utilities (phone, internet, electricity), 5-10k a year on miscellaneous (gym, haircuts, car shit, hobbies.

That leaves you with 100k to invest, I don’t see the issue.

[Anonymous No.51252878]

>>51252737
incel detected

[Anonymous No.51252892]

>>51252858
Yes you can. Your are too blinded by your ego to understand it, that's all.

[Anonymous No.51252947]

>>51252142
>moved out at 21
>moved back in at 30
I should have done it in reverse

[Anonymous No.51252980]

If you're buying that much milk tea, maybe you should learn how to make milk tea at home. dumb bitch

[Anonymous No.51253134]

>>51252132

A.

Wait for the lost decade to begin. Thats when you start buying like crazy.

[Anonymous No.51253142]

>>51252829

This. This anon gets it. Wait for the lost decade to begin.

[Anonymous No.51253258]

>>51252892
no one ever grew as a person inside 4 walls without a religion like buddhism. any attempt to deny this is outright denial of your comfort zone.

[Anonymous No.51254267]

>>51252132
take out a loan to install a second wing on your parents home just for you, rent it out to “cool” roommates that will help you get pussy. then begin to slowly encroach on your neighbors until you own the entire block

[Anonymous No.51254308]

>>51252132
if youre making 250-300k a year 1700 a month should be fucking peanuts. the only real trap is falling into spending money on eating out and going to bars

[Anonymous No.51254792]

>>51252132
living w parents and hiring escorts is a comfy life. I miss it.

[Anonymous No.51254806]

>>51252650
Anon, Jesus wants you to go out and live your life to the fullest.

[Anonymous No.51254844]

>>51252737
I've brought over 5 girls since I moved back home over past 3 years. Then again, it's a studio so I have my own entrance, half bathroom w/mini fridge and living room area. Yes, it's hard topic but everyone of them always says "Wow, this is pretty nice" and then never want to leave.

It must suck be a incel like you.

[Anonymous No.51255048]

>>51252158
that's a fucking ugly gook anon

[Anonymous No.51255165]

>>51252142
>>51252195

[Anonymous No.51255477]

>>51252132
Live with your parents and save money until the housing market crashes end of year, then buy a house. This is unironically the best answer.

[Anonymous No.51255501]

>>51252858
>basement
What does ruining your body and mentality have to do with being a loser sitting at home doing nothing all day? You can get out and do things without easting time on experiences that don’t benefit you in any way.

[Anonymous No.51255538]

>>51252516
>retire at 35 as a manchild with no life experiences
>thinks his life will finally begin, but as the years go on and he still never leaves his house he begins to realize that it never will. he had one chance at youth and he pissed it away for money

[Anonymous No.51255564]

>>51252892
>>51255501
If you never take risks, never take the “leap of faith”, never move out of the comfort zone, never try to do things differently, fail, try again, learn, fail again, try again, push, risk again, explore continents, destroy your preconceptions, attempt things you currently think you will never be able to do, it’s obvious you are ngmi
You make it not when you have 3M in your bank account, but when you are ready to risk them all, and be confident enough you can make them again and again cause of the experience, the network and the skills you made
You can make 3M in your basement living with your parents, without touching a single pussy, never making kids, just playing vydia and rotting your brain, fine, but what a waste of life
You think you can always get a gf and get married, but if your body count is not at least mid double digits you are gonna get exploited big times cause you lack the experience to manage a girl, imagine a wife…
Basement knowledge is purely theoretical, you can study all books you want, but until you move your ass and make mistakes in real life you will never learn
Don’t be afraid to step out of the confort zone or your entire life will be playing like a script

[Anonymous No.51255570]

>>51255538
nice bait, enjoy your life experiences slaving away for 30 more years while me and OP are living leisurely with the rest of the rat race non compliers

[Anonymous No.51255602]

>>51255570
Have fun trying to rebuild your life at 35. Most people would much rather retire at 45 if it meant not pissing their 20s away in their parents basement

[Anonymous No.51255611]

>>51255538
>dude just consooom and work until you’re dead, at least you’ll have all these cool experiences to post on tiktok bro

[Anonymous No.51255620]

>>51255570
i retired at 32 and moved to my dream place
i went to the beach for a few months, enjoying never having to work again
but...your brain will start to rot pretty fast
it's great never have to go back to the wagie cagie but you still have to do something, you can't just stop, your mental abilities will collapse
so i took retirement money and i'm trying to open two businesses, i learned more about global taxation, geo/jurisdictional arbitrage, how to move money, how to hide assets, how to make a business plan, how to make a pitch (i'm a techie and never had those skills)
you keep trying, you keep building your network, meet interesting people, trying new things, with the freedom to pursue what you like without having to set the alarm at 7am on monday morning
if you just retire in your mom basement you are gonna get depressed and kys

[Anonymous No.51255657]

2bdr luxury apartments are 4kish. so you can certainly afford that on 300k salary...

but the real play would be to buy a condo so you can build equity then when you have enough get a mortgage on of those $3-4m houses. one you retire late 40s/50s get a few acres and a custom built ranch house on a lake.

you need someone to enjoy it with though. married 2 kids making 200k but building equity in a condo

[Anonymous No.51255895]

>>51255564
at least one person is not a complete incel retard loser around here.

[Anonymous No.51255975]

photo was taken in carrefour guilin road, wanhua district taipei.

its probably a picture of the indonesian thats pityfucking incel OP

[Anonymous No.51255997]

>>51252132
Bro you have to quote your net not your gross

[Anonymous No.51256778]

seeing all the normalfags screeching about life experiences and networking give me life
some of us want to make it for the exact reason of avoiding having to do all that shit
>but muh fulfilled life
I hope I die alone suck my NEET dick faggot

[Anonymous No.51256818]

>>51255620
>i retired at 32

nice LARP

[Anonymous No.51256836]

>>51252132

Lmao @ all these larp threads

>anons i have zillions of dollars
>but i live with mommy
>am a faggot

Kill yourself u fucking piece of shit

[Anonymous No.51256838]

>>51255564
This. Bunch of coping betas on this board. Thinking they are "beating the jew". Lmao, you're only selling yourself short wasting your 20s because you don't have confidence in yourself to actually go out on your own and be a real man.

[Anonymous No.51257125]

>>51256838
I may never be a real "man" by your standards but you will undoubtedly never be a woman either

[Anonymous No.51257210]

>>51257125

[Anonymous No.51257234]

>>51255602
id rather enjoy my 30s. at 45 the motivation to do things will be nearly 0 anyway. or do you think you'll still feel like exploring and travelling? kek

[Anonymous No.51257306]

>>51257210
damn that's embarassing
oh well

[Anonymous No.51257305]

>>51252132
move, but not into a shithole

[Anonymous No.51257348]

>>51255657
Mormon?

[Anonymous No.51257490]

>>51252132
How important is sex and being social for you? If relevant at all, move out. You're 30 years old.

[Anonymous No.51257580]

>>51252947
lol exactly what i did

[Anonymous No.51257612]

>>51252132
OP this is the only post in this thread that matters:
OPTION C
>live with parents for a few more years
>save max money
>wait till housing crash
>buy 3 houses outright with no loans
>live in YOUR OWN mini mansion you picked up for cheap
>rent out other two for passive income
>rinse and repeat until you make 250-300k annually and don’t even have to work
>become un-governable

[Anonymous No.51257868]

>>51252132
>270k a year
>living with parents

[Anonymous No.51257943]

>>51255564
>mid double digits
so I need to slam 50 bitches in order to not be exploited by women?

[Anonymous No.51258296]

>save 25-35k a year depending on bonus and cost of living
>quit my job whenever I have 70k+ in savings and fuck around or do le world travel meme
>go back to work 2 years later
>repeat
Obviously I'm lucky I can easily find a decent job even after 6 years gap total, but I don't get the idea of retiring at 45 when you can already enjoy your youth with money.

I'd kill myself if I had to work 25 years in a row living with my parents and risk to die or get ass cancer with 2M+ saved.

[Anonymous No.51258340]

>>51255564
This was actually very good advice. I'm in a state of flux at the moment. I have had a shit year after moving states to chase my career. I have a shot to move home and be with my girlfriend and sick dad. The intent was to commute 1 hr there and back and save money, but to be on a new career path as well. I'd be working for a mutual fund. Out here, I could learn more entrepreneurial skills and if I do well enough, I could be pulling millions of dollars per year in business.

But I'm 34, and I feel like a fucking child. The career transition I made when I found my original field was dead.. all that time lost. and now I'm 34 and still have this fucking wanderlust, like I have all the time in the world.

I'm in a good spot career wise, and I can make a very good career no matter what path I choose. But I feel like I've just been wasting my fucking time for so long. My planning ang plotting got me this far, but I can't even fucking save here and I feel like I need to eliminate the rent expense to really start putting money in my pocket. Either that or make enough income here that I don't have to worry about it.

So I look at my options and moving home establishes comfort. And I could commute by train if I subtract 2-3 hrs of my day every day of my life. Or I could stay out here and try to max out my income. But I'd need to max out my people skills, which seems to be a good idea regardless. There's more opportunity here, I know that much. But working for that mutual fund is going to add a shitton of pedigree to my name. I could come back with an even stronger history, or if I'm good enough, become a top tier knowledge worker.

I guess, even though I've taken risks, I still find myself establishing a comfort zone that I'm afraid to leave. The repeat advice I've gotten was

>do what you love

And I can find things to love about both paths. I suppose the time expense is the most expensive of all. I just wish things were more clear cut.

[Anonymous No.51258500]

>>51257943
Yes
You need a desensibilization therapy
Just like money, you don’t have to be afraid to lose them cause you know how to make them back (of course don’t gamble on stupid shit, if you use them use them wisely)
With girls is exactly the same
You can get married and even be loyal your entire life, but if she behave like a bitch or cheat on you, you will not be cornered like a cuck cause you are too emotionally weak and inexperienced and end up suffering your entire life, you can tell her to fuck off within 5 seconds and find a better girl within a week
That’s the power of mid digits body count

[Anonymous No.51258543]

>>51252132
>300k
ngmi get a second job. find a wife impregnate her.

[Anonymous No.51258729]

>>51252132
Stay home until you retire, ez and comfy. Forget about all of these /biz/ consoomers bro.

[Anonymous No.51258938]

>>51255564
Very wise and based post anon

[Anonymous No.51258957]

>>51258340
>I feel like a child
You gotta start somewhere anon. It sounds like you’re on a good path don’t trip.

[Anonymous No.51258963]

>>51252132

two hours of commute? are you fucking retarded. 2k a month to save what, 160 hours of commute time a month? ab-so-fucking-lutely. if you're making 250k+ a year and worried about paying 2k a month in rent to save yourself literal days of mindless commuting then you have your priorities fucked up

[Anonymous No.51260417]

>>51256838
>you're not a "real man" unless you pay rent to someone outside your family

[Anonymous No.51260572]

>>51252132
Is this cutie a flip?
She doesn't quite look Chinese, I think it's the nose.
I'd give her some of my free milk, knowwhadimsayin

[Anonymous No.51260665]

>>51252132
With that kind of income, do it for a year and buy high cap dividend stocks which you can get at a good price now.

Spend part of that money on gold, silver and other commodities.

Even with that high of income you can't expect to save enough for retirement, you need passive income through investment. The laziest way is the way I described above.

[Anonymous No.51260880]

>>51252132
It depends on your energy quotient. If the commute is killing you move to the apartment. If not stick at the parents for now. Or not. What the fuck do I know?

[Anonymous No.51260965]

>>51256836
Not entirely larp. I have close friends working in very well paid industries living at home essentially stacking wealth. Their wealthy parents aid them here. And recognize it'll put them above others. Guess what these folks still have boyfriends/girlfriends. These people are going to be able to outcompete you by a far margin when it comes to purchasing 'finite' things in life. And they still go out and travel. Their partners are typically in the same or samelike industries too. If the knots get tied. That's a huge surplus of capital for a family.

[Anonymous No.51261044]

>>51252628
And still can barely save 2k
Drugs ?

[Anonymous No.51261181]

>>51252132
>Income $250-300k a year
that’s the larp

[Anonymous No.51261209]

>300k year
>live with parents
you should try larping less and kill yourself

[Anonymous No.51261353]

>>51252132
You're supposed to get your own house and wife and have her cook and clean for you.
Faggot