/biz/ - Business & Finance

[Anonymous No.53971115]

I inherited about $150k from a relative about a year and a half ago. I received it as a "conservative" profile of mutual funds and I've kept it as it is. I'm a NEET who has never has a job. I don't intend to get a job and I intend to drain this windfall to 0 before I get off my ass. I've spent some (mostly simple living expenses), and the market dipped last year, so I'm down to about $90k now. It might actually be $100k, but I'm scared to check.
I am completely clueless in life and I have no idea what I'm doing. What should I be doing to make the most of what I have?

[Anonymous No.53971238]

>>53971115
It's over, just kill yourself

[Anonymous No.53971256]

just buy some crypto broski

[Anonymous No.53971271]

>>53971238
fpbp

[Anonymous No.53971292]

>>53971115
post screenshot of the account or you are just another faggot

[Anonymous No.53971319]

>>53971238
>>53971271
My life has only begun.

>>53971292
I'd have to log in to it first. I don't want to see exactly how much I have. I know it's between 90 and 100k.

>>53971256
I'm not buying crypto.

[Anonymous No.53971371]

>>53971319
>Raised as a failure with no work ethic
>Did not start learning about business and finance on your own as a child
>Get handed a significant amount of money from your retard relative for no reason other than your bloodline
>Already pissing it away
It is absolutely, unironically over, just kill yourself before you end up broke and shitting up our board further

[Anonymous No.53971486]

>>53971371
I am unironically planning on solo-developing my own MMORPG and I am convinced it will make me a millionaire. I just need more time to heal myself before I begin working on it for real. I've been planning the game out for years.
And my relative wasn't a retard -- rather their assets were divided up evenly to all their immediate descendants.
And I'm not pissing it away, I'm living relatively frugally.
>learning about business and finance
I had over 400k in dogecoin (manually mined back in 2013) which I sold in 2017. I lost 25% of it the next day trying to be a daytrader. I decided it was best to put it away, and not think about it for a while. "A while" turned out to be a long time, and poloniex started requiring KYC info. I was sketched out and never gave them any, so I lost my bag.
Does this count as learning?

[Anonymous No.53971515]

>>53971319
you are a faggot

[Anonymous No.53971540]

>>53971486
lol
LMAO

[Anonymous No.53971594]

>>53971486
Heal yourself from WHAT faggot?
>mentally
Not gonna make it, it's over.

[Anonymous No.53971617]

>>53971115
>>53971319
>>53971486
bro just go hit up some wealth manager and tell them what you want that money to do.
the people here (including me) will just tell you to buy bitcoin or fuck off.
if you have $100k that's dwindling away AND you have a dream to make a sick mmorpg then wtf are you doing

[Anonymous No.53971630]

>>53971617
>wealth manager
This is a keyword which will save my life. Unironically this thread has been a success.
>if you have $100k that's dwindling away AND you have a dream to make a sick mmorpg then wtf are you doing
What's wrong with the picture?

[Anonymous No.53971719]

>>53971630
excellent. and for the second point, $100k is a good bit of money that can be spent on developing that game. the longer you do nothing with it, the less it is worth. so "if it were me" I would start developing asap, or like I said, have someone manage it for you

[Anonymous No.53971733]

>>53971630
You will not develop anything. What are you healing from?

[Anonymous No.53971801]

>>53971115
Why not just put it all in crypto, wagecuck at some shitty job, then retire in 2 years?

[Anonymous No.53971814]

>>53971115
>get 150k for free
>already managed to flush 60k down the drain
>>53971630
have you even written a line of code in your life? done some graphic design?
>solo-developing my own MMORPG
LMAO no you wont

[Anonymous No.53971837]

>>53971719
I am going to do everything for my game. 100% solo-developed. The money is being spent buying time.
>>53971733
I'm healing from my entire life! It's mental but it's mostly physical. Bad posture has made me unable to breathe properly. The past few years have been catastrophic and I have dementia symptoms now. It's getting better. inb4 why don't you go to a doctor
>>53971801
Unironically I don't want to work a wage job because I don't like filling out forms.

[Anonymous No.53971917]

>>53971486
lol. wew fucking lad. stop smoking crack. maybe after making a sick MMORPG you can start a start-up company, or play in the NBA as a basketball star, or find a leprechaun with a pot of gold. have you made anything? like, one character sketch, or any programming at all?

>>53971617
don't pay a percentage fee to a "wealth manager". if you won't buy bitcoin, an even more normie friendly investment is an index fund. go to Fidelity.com or whatever bank the money is in now and buy their S&P 500 index fund.

also get a real job. using the 25x rule, you will need ~$2.5 million to retire. max out your IRA and 401k.

i recommend the air force. they will help you stop being a goddamn MMORPG addict.

post some pictures of your room with timestamp.

[Anonymous No.53971937]

>>53971486
You will never make that mmorg, start your live now, dont daydream

[Anonymous No.53972017]

>>53971917
>index fund
Yes, my money is in mutual funds. It's in a "conservative" portfolio.
>>53971937
It's my destiny. I'm going to make it. Part of the reason why I have taken so long to start is because it is my destiny. I am guaranteed to make my MMORPG so it doesn't matter when I start it.

And yes, I have been programming my whole life. I don't have anything to show for it, though.
>a wealth manager requires a percentage fee
Ahh... Would it even be worth it? Right now I'm just floating along with the market, realizing unrealized losses.

I'm not sure I'm going to get any more good advise on the subject of money so I will ask a second question:
I need to move away from my comfy rent-free place (for unspecified reasons) and I will need to rent somewhere. I hate filling out forms and I don't know how to rent an appartment. How do you do it without income? I assume all landlords will just throw my application in the trash when they see I have no income. I don't want to use a co-signer if possible.

[Anonymous No.53972044]

>>53972017
How do you intend to publish a video game without filling out forms?

[Anonymous No.53972084]

post pic of your room with timestamp if you want any more advice

[Anonymous No.53972098]

>>53972044
It's different when the forms are in a web browser. And it's different when there are hundreds of tutorials about working your own business.
>>53972084
Do you know the workings of renting an apartment without income?

[Anonymous No.53972270]

>>53971115
It's amazing how pathetic the average "man" has become in the west.

[Anonymous No.53972280]

pearls before swine. anything given for free is at best unappreciated and typically totally wasted.

[Anonymous No.53972289]

>>53972280
I'm not posting pictures of my room.

[Anonymous No.53972409]

>>53971115
>I am completely clueless in life and I have no idea what I'm doing
>I am unironically planning on solo-developing my own MMORPG
Retarded or trolling?

>>53971371
>>Did not start learning about business and finance on your own as a child
>he spent his childhood reading about greedy kike corporates instead of having fun like any other kid
I'm so sorry

[Anonymous No.53972441]

>>53972409
I am retarded, not trolling. And I think I've said too much about myself in this thread.

[Anonymous No.53972454]

>>53972441
who cares. the correct answer to your question is "get a job and leave the money alone." if you wanna squander it on NEETdom, you're by definition not making anything with what you have

[Anonymous No.53972470]

>>53971486
holy shit what a retard. You should send me all your money and I'll give it back to you with 10% interest.

[Anonymous No.53972498]

>>53972441
Well I don't really know what to tell you since I'm not in the best situation I could be in either. If you got goals then that's good, you have to achieve them. And like the other anon said no one cares, you're still completely anonymous if you think you've doxxed yourself or something unless your cousin browses /biz/ too.

[Anonymous No.53972595]

>>53972441
Do you live in hawaii

[Anonymous No.53972612]

>>53972470
>doubling money
I have played MMORPGs so I know not to fall for these scams.
>>53972454
But are mutual funds a good place for my money? Forget all of the nonsense about me being a NEET. If I did work a job, or if I made an income, should I put the money elsewhere? Maybe move half of it elsewhere?
A better question is who do I talk to for things like this? How do I find people I can trust?
>get a job
How do I get a job with no resume or experience? I legit need a step-by-step guide. At least there is no more vaccine bullshit.
>you've squandered the past year and a half
I'm pureblood and I didn't want to deal with any covid bullshit. Now, come to think of it, I may think about getting a job...
I had written off getting a job before... but now, after the covid era, it may be more straightforward.

2nd useful piece of advice in this thread (indirect): I now remember that there is no more covid bullshit, so I may start thinking about a job.

[Anonymous No.53972650]

>>53971115
Make a scam crowdfunded overhyped mmorpg anon

[Anonymous No.53972933]

>>53972409
>I'm so sorry
I don't want your apology, slave animal
I had plenty of fun competing in sports as a child, learning about how the world works was more fun than doing whatever the normalfag children wasted their time doing and as a result I'm years ahead of most people my age

[Anonymous No.53972944]

>>53972612
>But are mutual funds a good place for my money
yes

>How do I get a job with no resume or experience
learn to code, make a database-driven web application that pulls data from an API, and spam easy apply on linkedin

[Anonymous No.53972968]

>>53972944
>create some projects for a quick resume
Yeah, ok.

[Anonymous No.53972985]

>>53972968
it can literally be a website that downloads and serves a random furry porn image from the deviantart API

[Anonymous No.53973022]

>>53971115
Absolutely pathetic and sad.

[Anonymous No.53973098]

>>53972933
>I'm years ahead of most people my age
Come on, we both know that came at a cost.
You can't say you had more fun while you also benefited more, that is wrong and stupid.

t. genius

[Anonymous No.53973130]

>>53972985
Eh? I don't believe you. Perhaps another website, but surely not deviantart...

[Anonymous No.53973161]

>>53971837
>I am going to do everything for my game. 100% solo-developed. The money is being spent buying time

Even if it's text based this is literally impossible. Sure, maybe you can program it all solo. But who's going to pitch to investors? Who's going to handle marketing? Customer support? What about billing and finances? Who will manage the jannies you inevitable need to moderate the content? Only companies of skilled professionals can handle this and they're not gonna work for a penniless NEET.

[Anonymous No.53973175]

>>53973130
they have an oAuth REST API
https://www.deviantart.com/developers/

if you built a database of furry porn and displayed it with tags and content descriptions, you're employable

it could even be celebrity morphs, harry potter fan art, big tiddy goth, giantess/vore, or any genre of fetish content you prefer

[Anonymous No.53973183]

>>53973098
I have always done what I wanted to do
When I was younger I did stupid shit sometimes and partied and shit but I was still always learning about the environment we live in because ever since the age of 5 I knew whoever was in control of this hierarchy was fucking us
The only shit in my life that could even be debatable as a regret would be that when I was younger I was oblivious when girls wanted to fuck and I didn't fuck more than I could have
I'm not ugly and I can get along well enough with the cattle, I have a company and it's not obvious that I'm some freak

[Anonymous No.53973611]

>>53973183
I personally only got redpilled in puberty like most people, I can't imagine what it's like living your childhood aware of how nasty this world is. The world was already pretty shit.
Well as long as you believe you're good that's all what matters.
Take care, dumb frogposter.

[Anonymous No.53974388]

>>53973183
I only started learning about finance at 30, my parents actively kept me away from anything to do with finances so I could focus on my "studies" and papa gave me everything I wanted until he got fired and I did a bit of digging and found out we were $2M in debt...

[Anonymous No.53974453]

>retard terminally online chan addicted failure NEETs are getting 150k USD inheritances
>im 30 y/o engineer wage cuck working and going to school my whole life and thats more than i have to show for it all

kek

[Anonymous No.53974472]

>>53974453
I think perhaps I will make some half-hearted attempts to bludgeon together a resume. I'll submit it to 20 places. If I get a job I get a job.

[Anonymous No.53974552]

>>53971486
Did they seriously steal your money because you wouldn't KYC? Like you can't log in now or it's gone?

But holy shit why the fuck would you put coins you mined yourself onto an exchange if you're not about to sell? Don't tell me you used poloniex as your mining address.

[Anonymous No.53974564]

>>53971115
pic remembers me about the seinfeld episode where he bought back the cadillac for his father and the pre-owner drove it into a swamp.

like and subscribe
https://www.youtube.com/watch?v=XxAGTNctmx4

[Anonymous No.53974569]

>>53971115
>and I intend to drain this windfall to 0 before I get off my ass.
how does anyone help a person with kind of attitude? fuck off and grow up

[Anonymous No.53974646]

>>53974552
No I held the coins in my own wallet until the boom of 2017. I transfered them to poloniex. I left them in there after I was demoralized by my 25% blunder. (I heard DigiByte was going to make an announcement of some kind, so it put it ALL on DigiByte). I learned to never buy the announcement. See? I'm learning.
I left the coins in there for months, ignored their email saying they were going to require KYC (they gave months of notice), and became quite sad when I realized they had switched to KYC before I took my coins out. Later, they stopped serving the US, and a deadline was set in 2020 or 2021 (I can't remember), after which I could no longer withdraw even if I provided KYC. I logged in again a while ago and it's all gone.
>>53974564
I found the pic while digging through my old saved images. It is a perfect metaphor for my life.
>>53974569
>grow up
woman

Also I need to go down to 0 because I need all the time I can get to make my MMORPG. Come to think of it, this is kind of silly... Right now I am doing nothing with my time.

[Anonymous No.53974819]

>>53974646
So you can log in but the coins are gone. Did you ask them where the coins are and demand them back?
I hate poloniex too. I didn't want to do KYC but I had too much in there not to. Stupid me. I also got fucked by their clams margin lending fuckup. They are scumbag owners now.
Also I made a few k with digibyte lol.

Also I've done a similar thing with a stock brokerage account that changed jurisdictions. Still haven't actually tried getting back in besides seeing the login won't work. At another brokerage something similar happened and it took months to get back in and cost me hundreds of thousands of dollars since I just wanted to sell all those shares for TSLA at what would have been the bottom in I think 2019.

[Anonymous No.53974833]

>>53974819
I haven't contacted them at all. I only had about 3000 USDT in. Not doge, I left it all in usdt.

[Anonymous No.53974844]

>>53971115
>What should I be doing to make the most of what I have?
you can start by realizing just how much money that is, not because of what it can buy, but because of what it just is. you're getting worked up over spending a considerable portion of the whole, not because you're left with less.

put it all into banana, honk, and maybe link. then put the rest in uranium markets, and whatever is left (your choosing) you can buy into a property of your own, a nice car you can take care of and work on, or put it into a venture to finding a career. that amount can easily yield 2 associates degrees from a community college.

[Anonymous No.53974916]

53974646
Enough (You)s, shitty larp

[Anonymous No.53974936]

>>53974833
Oh, yeah, don't worry about it then.

What are you healing from? I've been trying to clear acne and get more energy (like similar to you I end up constantly leaving thousands of dollars on the table due to literal retardation as well as not getting anything done and just sort of embracing neetdom). I've been Peating a couple of years which is good, cut out fluoride for a year which has also helped, just started copper a few weeks ago and it's been really good. You should check out one or two of the podcasts this guy's been on to get an idea about it https://revealingfraud.com/2022/11/health/copper-quick-start-guide/

[Anonymous No.53975049]

>>53974936
I posted about my problem earlier. I'm not entirely sure what the EXACT DETAILS about my problem are, and unless I can clearly explain something acute to a doctor, I don't want to go to one. If sleep apnea machines were OTC, I would just buy one. I looked for a sleep doctor at one point, but I didn't go to any. Exercising my neck off the edge of my bed is incredibly effective at opening my airway. I will not do this exercise unless everything else about my life is in line. The way I do things is impossible to explain to other people.
For what it's worth, someone once told me I "had OCD". I believe OCD is internalized female hysteria. This is fundementally what I am recovering from.

[Anonymous No.53975343]

Alright I'm unbanned. This thread is puregrade larp

>I have 150k
>you want proof? That would require logging in. Lol lmao even
>I'm also going to build current year runescape all by myself
>but only after I'm broke, because I said so
>I could get a job, but I don't have experience
>what do you mean make an app?
Post screenshot of inheritance Andrew Gower

[Anonymous No.53975369]

>>53975343
I just might.

[Anonymous No.53975657]

>>53972017
>It's my destiny. I'm going to make it. Part of the reason why I have taken so long to start is because it is my destiny. I am guaranteed to make my MMORPG so it doesn't matter when I start it.
are you good bro

[Anonymous No.53976797]

>>53971486
>I just need more time to heal myself before I begin working on it for real
AHHAHAHAHAHAHHAHAHAHAHHAHAHAHAHG

[Anonymous No.53976994]

>>53971837
>Unironically I don't want to work a wage job because I don't like filling out forms.

[Anonymous No.53977041]

>>53974453
It’s a teenager with low iq having a pathetic fantasy larp. How are you and anyone else falling for this shit
such a retarded board

[Anonymous No.53977071]

>>53971486
jesus christ this is an actual peter pan syndrome neet in the flesh. you are absolutely delusional. creating functional games costs millions of dollars and a lot of human labor, which it seems you want to solo it and wouldnt complete a triple A title worthy game in your lifetime if you tried. you are a fucking idiot and your parents failed you

[Anonymous No.53977149]

>>53977071
>creating functional games costs millions of dollars
You are delusional.
>a triple A title worthy game
Nevermind, it's just your axioms that are wrong.

[Anonymous No.53978517]

I already told you I am the authority figure ITT. Picture your entire Funko Pop collection coming to life like Toy Story and telling you to clean your room deadbeat. Yeah I'm your mom and dad in steroids pal and I'm telling you buy OpenBetAI (ticker OPENBET) its blasphemy I know but if I have to commit blasphemy to stop my penis mutating from 5G radiation exposure I will do it. PD sent me a free OpenBetAI brand 5G radiation johnson guard because I completed a hackathon. This is serious anons hype is the devil's plaything..................https://openbetai.io