/biz/ - Business & Finance

[Anonymous No.52726876]

How do you personally balance between saving and enjoying life?

[Anonymous No.52726918]

>>52726876
15 percent of every check. Never a penny more.

[Anonymous No.52726921]

>>52726876
better than I deserve

[Anonymous No.52726924]

>>52726918
for spending or for saving?

[Anonymous No.52726930]

Don't americans get to retire? Here in europe everyone gets to retire. Why did anyone ever see USA as some rich and prosperous country?

[Anonymous No.52726935]

>>52726930
because our markets actually go up

[Anonymous No.52726936]

>>52726924
Spending obviously
Put 85% into saving/investments

[Anonymous No.52726942]

My retirement is a shotgun to the face, or making it by 40 off meme stocks. I don't save a single cent, it all goes to fast food and degen plays.

[Anonymous No.52726944]

>>52726876
Who says I enjoy life? I don't do shit. I'll never go to a ballgame again. Never eat in a restaurant again.. Probably never fly on an airplane or stay in a hotel again.. Never buy clothes outside of walmart or costco again.. Never buy a new car.. Welcome to the economy of the United States. Situation bad. Alert level high/critical

[Anonymous No.52726946]

>>52726876
50% in saving / investing
25% into gambling
25% into pleasure

[Anonymous No.52726964]

I was raised in a wealthy family into Jeeps and dirt bikes with $120,000 RV
For me? I like video games and pocket knives. Hydroponics, gardening, hiking and camping NOT in $120k motorhomes, but instead in $24.99 Walmart tents

[Anonymous No.52726983]

>>52726935
Who takes all the money if people have to work multiple jobs just to survive and even retirement isn't guaranteed?

[Anonymous No.52726987]

>>52726876
By debt maxxing.

[Anonymous No.52726993]

>>52726964
This photo with the blade pointing at his wrist spikes my anxiety. I used to have intrusive thoughts about uncontrollably tearing out my own veins, which would send me into a paranoia about cutting myself on any mildly solid surface in my vicinity and subsequent hyperventilation until I nearly passed out.

[Anonymous No.52727023]

>>52726993
meds now

[Anonymous No.52727033]

>>52726983
Nobody HAS to work multiple jobs to survive. I make almost double the average income of someone my age (25) in one job and have a second job so I can retire six times faster than most others.

[Anonymous No.52727066]

>>52727033
I read stuff on the internet all the time where americans tell about the multiple jobs they have to o just to survive. Here in europe the government will provide all the badic necessities for you if you are having trouble.

[Anonymous No.52727070]

>>52726993
I have these thoughts now.

[Anonymous No.52727071]

>>52727066
>badic

[Anonymous No.52727088]

>>52726876
I dont enjoy anything anymore. waging has sucked the life out of me

[Anonymous No.52727227]

>>52726993
I somewhat understand anon

[Anonymous No.52727237]

>>52727088
Blame the jews

[Anonymous No.52727272]

>>52727066
People work multiple jobs for a variety of reasons but the most common is they just buy too much shit.

[Anonymous No.52727279]

>>52727237
These are implants, right?

[Anonymous No.52727672]

>>52727279
maybe... the general thickness of the thighs is within the acceptable ratio of thigh to glute circumference.

[Anonymous No.52727688]

>>52726993

[Anonymous No.52727702]

>>52726930
We have more upper middle class here than in Europe and that comes with salaries and finances that are unheard of in America. But the average wagie here is absolutely fucked in comparison because forced and elective consumerism is the most American thing that exists.

[Anonymous No.52727738]

>>52727272
agree here, my coworker has a $500/mo car payment, gets $200 haircuts, and bought a $2000 dog. she believes she needs two jobs to survive

[Anonymous No.52727797]

>>52727738
YOU JUST KNOW

[Anonymous No.52727834]

>>52727688
That image isnt relevant to anons post at all. Stupid bot.

[Anonymous No.52727857]

>>52727738
Sounds ruff

[Anonymous No.52728147]

>>52726876
>be 29
>complete loser
>shitty jobs throughout 20s
>always into investing
>natural jew skills
>I LOVE saving and being incredibly cheap
>investing is my hobby

I literally have 600 grand cash right now due to investing/saving aggressively. Most of it came from crypto, but I got into stock options too. It's funny because on average, despite making nothing. It's like I've made 95k/year simply by being insanely frugal and decent at investing/saving. I'm finally on the road to having a decent job. I'm confident I can make it. I already have many skills that normies can never grasp. My sister has been a RN for 5 years and saved 40k. I have no fucking clue what she spends her money on, it's actually scary.

[Anonymous No.52728181]

>>52726964
Based Buckchad

[Anonymous No.52728475]

>>52726930
well you get a pension after like 65 or something whether or not you retire. i imagine if your job is sitting on a chair talking you can do it until you died if you wanted to

[Anonymous No.52729701]

>>52726993
I though I was the only one. I'm not as bad as you though. Sometimes when I see a knife I just can't help but imagine it in my throat or something. Can't help but imagine saw blades cutting through my bones or my skull especially. Scissors cutting my teeth is another one. Any terrible awful thing my brain can't help but imagine it.

[Anonymous No.52729723]

>>52728147
Be careful with what you have. You could easily lose what you've made.

[Anonymous No.52729921]

>>52727237
Stop playing Jewish tricks on me
Source?

[Anonymous No.52732226]

>>52727066

As >>52727272 it's usually because of too much consumerism. Americans are addicted to cheap credit and the live fast lifestyle. But it also depends on the area where Americans live in; some places have ridiculously high COL due to high net-worth individuals purchasing properties in the area and creating price floors for local services, forcing locals to work multiple jobs just to survive. NYC and LA are prime examples of this.

[Anonymous No.52732240]

>>52726876
>boomer irresponsibility thread

>>52726930
>europoor tries to "dab" even though the cost of everything is double in his shithole

[Anonymous No.52732252]

>>52728147
Based. Hope you are leveraging all your tax advantaged accounts and have a safe holdings giving you income with the bulk of that portfolio. It could easily be a full-time wagie working on your behalf.

[Anonymous No.52732276]

>>52726876
It’s simple, I don’t enjoy life

[Anonymous No.52732295]

>>52726876
I make so much and spend so little that I never have to. About 50% of my pay goes in the piggy bank, and I use it mainly to lord it over my friends and family who make way more but are still in debt.

[Anonymous No.52732303]

>>52726930
There is social security here which we are forced to pay into. It sucks and has no money. I’ve heard about the Yuro pensions and they seem shit too.
America used to be a decent place then it got pozzed. We now life in post capitalist jewish serfdom with faggots and niggers via the

[Anonymous No.52732318]

>>52726930
Lol look around you. Retirement for 90% of the folk is to Barely survive and spend all day on Facebook.

[Anonymous No.52732342]

>>52726876
Put 15% into retirement (around 18% including match) and form a budget that never even considers that money as available.

[Anonymous No.52732347]

>>52727066
Try being a white man in anerica and getting assistance lmfao
The only people I know with multiple jobs are illegal immigrants so fuck then, and women who waitress or bartend part time because it’s easy as fuck and pays well.
Most people who are reasonably competent and moved up in position as they got older make enough to live off one job but many people are also incredibly shit with basic personal finance that most of this board probably just does intuitively.
For example, buying a used Toyota Camry instead of leasing some turk tier Mercedes

[Anonymous No.52732363]

>>52727237
Mommy

[Anonymous No.52732387]

>>52732252
>tax advantaged accounts
Cringe.Imagine waiting until you’re 65 to retire.

[Anonymous No.52732477]

>>52732387
> He doesn't know anything about how these accounts work.

Stay poor. Oh yeah also when that HR lady asks if you want to contribute to 401k to get the max match, don't do it.

[Anonymous No.52732563]

>>52726876
I don't enjoy life anyway so I save instead, hoping I can enjoy it later.

[Anonymous No.52732590]

>>52726876
How the fuck can you be in your 70s and have no retirement?
You had 40 years, 50 if you started early.