Need Serious Financial Advice

[Anonymous No.54037503]

Don’t tell me to KMS or ask me how I got here. Please give me some actual advice.

Mid-30 years anon here. Single. No family/kids.

I owe about $45k in credit card debt, and I owe the IRS another $10k in crypto gains taxes.

My salary is $75k. Rent is $1700.00

I am able to make my payments each month. But, how do I feasibly pay this off as soon as possible without filing for bankruptcy?

Is there any side hustle I can get into like selling things online?

[Anonymous No.54037532]

dave ramsey snowball method unironically

[Anonymous No.54037535]

>>54037503
How you got into that mess is an important question.

>My salary is $75k. Rent is $1700.00
You need to change this if you're going to ever get out of debt. Cheaper rent or a higher salary, your choice.

[Anonymous No.54037559]

>>54037535
Gambling on crypto. That’s it. Lifestyle expenses aren’t that crazy. I travel a bit, eat out. But, it was just crypto gambling.

[Anonymous No.54037561]

>>54037503
move in with parents or siblings for half a year while you pay off the debt. adopt a minimalist mindset to maximise savings. try to get a higher paying job in the mean time.

[Anonymous No.54037583]

>>54037559
>Gambling on crypto. That’s it. Lifestyle expenses aren’t that crazy.
If this is true you can fix it if you just leave gambling alone, and get more money each month after expenses to kill the debt.

[Anonymous No.54037592]

>>54037561
>>54037503
also sell any junk you don't need

[Anonymous No.54037613]

Thanks guys. Really appreciate the advice.

[Anonymous No.54037630]

>>54037503
Your rent is way too fucking high if you don’t have a family. Fucking suck it up and live in a 4br college apartment or something with much cheaper rent

[Anonymous No.54037702]

By the way. I have like $10k in a 401k account. But I’m still employed. I think if I withdraw it, in addition to a penalty and taxes, I will have to take out a loan against the 401k. Any advice with the 401k funds?

[Anonymous No.54037890]

>>54037503
I live like a 5 minute walk from 4 different OP shops (charity shops, thrift shops). I simply go into those a few times a week and pick out items that are in good condition and retards pay for. Examples being
>anything retro
>warhammer and nerdy stuff like that
>toys in somewhat good condition
Go to reddit or /pol/ cringe/ hate threads and look at the shit reddit froths over or what /pol/ hates. Its worth money.
You can buy and sell coins aswell, idk where they sell them where you live, but here you can go to post offices and look at collector edition coins and shit. You can get in early and get a set for like 50$ and then sell it 1-2 months later for like 800$.
If you live in a city you could be an uber eats driver
Sell your sperm
Be a social worker with a retard aka take them to the zoo, or to the shops for a few hours, it pays like 80 an hour here.
Dog walker
Get your food from food banks
Get paid to put peoples ikea furniture together
Go to junk yards and just take all the copper
Make home made art, my friends gf does it, she gets a nice bit of wood and puts nails in it so they are still sitting out a bit, then runs colour string around the nails making a weird kinda spider web thing. She sells them for 200$

I personally recommend the ikea furniture one, its easy. And people will pay good money. Here (australia) there are apps where people will post handy man type jobs they need done and what they are willing to pay for it, jist scroll through there all the time and pick the ones you can do

[Anonymous No.54038205]

>>54037890
Thank you. Here is a question. This might sound ridiculous. But, what about writing some kind of book or short materials about how to get women and selling it online?

I had this really interesting experience where as a grown man I had no clue what I was doing with women. But through a lot of tenacity and trial and error of approaching maybe 100+ women and going on dates with like 40 of them, I transformed and ended up having a lot of success in that department. I have a lot of insights on this experience and it’s become a hobby/passion of mine to think about it. Anyway I could monetize this?

[Anonymous No.54038309]

>>54037890
Bravo, high quality post in this thread. Thank yoy

[Anonymous No.54038628]

>>54037702
Leave it alone. It's designed to be a terrible idea to access it early.

[Anonymous No.54038652]

Look into debt consolidation loans to get a lower interest rate on the credit card debt

[Anonymous No.54038734]

Bankruptcy seems like a pretty good option for you honestly, why are you opposed to it?

[Anonymous No.54039120]

>>54037503
Snowball, start driving Uber or get second job, get a room mate, downgrade your car or sell it if possible.

[Anonymous No.54040574]

So what is your networth? Like, -$40,000?

Honestly, just dont pay it off, put all of your salary into crypto, then once you are worth mid 6 figures in networth from crypto (probably in a few years if you are starting from 0), flee the country

[Anonymous No.54041225]

>>54038734
I need to go to law school in my late 30’s and bankruptcy will ruin my chances to become an attorney in my state.