/biz/ - Business & Finance

[Anonymous No.54744326]

>38
>Going back to college for a career change
>$0 net worth
>23 y.o. GF

Will I ever retire or will I end up working till I die

[Anonymous No.54744358]

>>54744326
> 38
> $0 net worth
Literally how?

[Anonymous No.54744401]

>>54744358
I've made money, did some dumb shit, lose money, several times. Had enough so I decided to do a career change

[Anonymous No.54744412]

>>54744358
I was 25 last year with $0 net worth

Basically you just don't think about your future at all
You spend everything you make because you aren't thinking
You mindlessly consume whatever feels good at the moment because you aren't thinking
You don't think about the fact that you're aging
You don't think about how more doors close the older you get

You basically just do nothing
It's very easy to get to that point, easier than you think

[Anonymous No.54744483]

>36 failed at a bunch of things I tried
>Only good at /fit/ and /g/ shit
>And only passable
>All my friends and family are envious of the adventurous life I’ve lived

Keep going OP, we’re going to make it. You even have the dream zoomer artho gf. Start saving and diversify intelligently.

[Anonymous No.54744517]

>>54744358
It happens. Medical bills, emergencies, student loans, and life in general wiped me. I basically had to go full monk mode to recover, and even then I’m barely scraping by.

[Anonymous No.54744518]

>>54744326
No I think you fucked up bro. Hope you have parents who didn’t fuck up as badly as you did.

[Anonymous No.54744625]

>>54744517
If you're a zoomer, you're never retiring so might as well enjoy life

[Anonymous No.54744699]

>>54744326
>40
>retired
>$8 million net worth
>42 y.o. Wife

Woman between 20-25 are throwing themselves at me.
Where the fuck were they when I was 20-25 and poor?
Shit is not fair

[Anonymous No.54744957]

>>54744699
If you didn't have a wife already they wouldn't care.

[Anonymous No.54745868]

>>54744699
Do you have any good reason to be loyal to your wife? Did you get with her when she was young?

[Anonymous No.54746035]

>>54744358

My dad is 58 and has a -$100,000 net worth.

[Anonymous No.54746084]

>>54746035
Mortgages don't count

[Anonymous No.54746109]

>>54746084

Oh. Well then he has like a -$25k net worth.

[Anonymous No.54746154]

>>54744518
Ignore this cunt.

I had no money until I hit 35 and now I'm worth £2m 5 years later. Sure it's not a huge amount of money, but it's enough for me and I'm happy.

Just keep grinding and don't make ridiculous decisions.

[Anonymous No.54746157]

>>54746109
Car? CC?

[Anonymous No.54746165]

>>54744326
Congrats on the sweet young gf. Post pics of her here we'll determine if she's a man.

[Anonymous No.54746224]

>>54746157

Ya, I think he still owes like $25k on a $35k car. He only has a couple hundred bucks in the bank and he still owes like $75k on his mortgage. Idk what else he owes. But, he's perpetually broke. He just got 5 figures from an insurance claim 8 months ago and it's all gone.

[Anonymous No.54746247]

>>54746224

I actually think he has a 2nd mortgage too. Idk if that's part of the $75k, or not though.

[Anonymous No.54746262]

>>54746154
its pretty fucking sweet amount of money, nicely done. How did you do it?

[Anonymous No.54746266]

>>54744483
>36
>passable
Lmao

[Anonymous No.54746329]

>>54746224
>>54746247

I'm guessing he can sell the house for a sizeable retirement money

[Anonymous No.54746343]

>>54746262
Project Management then building my own business.

My educational background is trash, but thankfully I went into a field where I can just organise people and get paid for it with limited academic credentials. It's really very easy work....if you have soft skills that is.

Find somethings you're good at. Be useful to people and don't give up. Wishing you the best of luck anon.

[Anonymous No.54746383]

>>54744326
>23 y.o. GF

you've already won. you just can't see it

[Anonymous No.54746401]

>>54744326
Everything else, terrible. At least attempt to maintain gf.

[Anonymous No.54746414]

>>54744326
Kek, save some money, buy a bluetooth toothbrush and use Nilo once it's out, that'll help

[Anonymous No.54746431]

>>54746414
A what? KEK no fucking way that's a thing

[Anonymous No.54746475]

I look like you except for the 23 year old girlfriend. usually break up with them because of anxiety. Fix your trust issues bro. This maybe the last one on the anxiety carrousal. Next 200 swirls in the clownworld ride might be all you on the ride

[Anonymous No.54746486]

>>54746414
>Bluetooth toothbrush
You did it, anon, you literally made me stop and kek hard

[Anonymous No.54746498]

>>54746414
I'd rather stick a bullet up my ass lmao, what a stupid concept

[Anonymous No.54746627]

>>54744957
Yeah might, when I was single zero attention, once in a relationship all of a sudden flirts everywhere.

>>54745868
Was in my late twenties when I met her.
When I met her I was a financial wreck, unpaid bills, debts.
She found out after a year of dating and cleaned up my mess and started doing my finance.
It was around that time, started doing a normal job and began investing.

Without her I would still be a zero

[Anonymous No.54746825]

>>54746627
I'm happy for you anon, she seems great

[Anonymous No.54746886]

>>54746383
This

[Anonymous No.54746962]

>>54746627
Ok fair enough, she doesn't deserve to be cheated on.

[Anonymous No.54747674]

>>54744326
Dont panic faggot, I will teleport you directly into a life of wealth

[Anonymous No.54747701]

>>54744326
how do you even have 23 yrs old gf at 38?
asking cause I want 18 yrs old gf when i reach 30

[Anonymous No.54747713]

>>54747701
I worked as a vendor for retail stores. That's how we met

[Anonymous No.54747760]

>>54746343
how did you get into PM with "limited" credentials, friendo?

[Anonymous No.54747763]

>>54747701
>>54747713

Also I thought she was like mid to late 20s. Surprised when she told me she was 23

[Anonymous No.54747789]

>>54744326
You can still do something quick about it if you make some money. I recently started to stake AVAX and made good profits in a relatively short time.

[Anonymous No.54747859]

>>54747713
>>54747763
arent girls not caring about age difference that much?

[Anonymous No.54747937]

>>54747763
Is she fat? What do you rate her out of 10? I want another young gf. I keep getting bored with gfs and then they leave because I don't care anymore. I think I'm going to knock up the next youngster

[Anonymous No.54748004]

>>54747937
No she's really thin, I'd say 6-7/10. I thought she was older because she was the store receiver, the person who checks in every product coming in from vendors. They don't normally hire young people

[Anonymous No.54748052]

>>54748004
Nice. Godspeed anon.

[Anonymous No.54748098]

>>54744326
>23 y.o. GF
Fuck off normalfag

[Anonymous No.54748215]

>>54747760
Notice how he didn’t reply when questioned about his LARP? Look 38 is definitely not too late to do something with your life and make good money, but I’m guessing OP has a lot of bad habits and possibly mental problems. Not trying to be a cunt, but statistically it’s far more likely OP is not going to be a Cinderella success story. I hope I’m wrong. May God bless OP with success. In Jesus’ name Amen.

[Anonymous No.54748259]

>>54744326
It costs $0 to start a business:

Design - Canva
Store: Gumroad
Document - Coda
Database - Airtable
Organizing - Notion
Website: Typedream
Social media - Buffer
Survey: Google Forms
Task management: Trello

Welcome to 2023.

[Anonymous No.54748260]

>>54748215
That's not me you retard

[Anonymous No.54748271]

>>54744326
>23 y.o. GF

thatta boy!

[Anonymous No.54748322]

>>54748260
No fucking shit

[Anonymous No.54748521]

>>54744326
>28 years
>still working in the same office
>literally 9 years have passed
this is all? I should have stayed in school to do fun things, all I do is work or keep holding CHEQD

[Anonymous No.54748685]

>>54747937
>knock up the next youngster I meet

NGMI financially speaking

[Anonymous No.54748733]

>>54748521
As a retail vendor, I've met people who worked at the same store for 30-40 years, it amazes me

[Anonymous No.54749069]

>>54744358
>>54744326
Let's say I only have $500 net worth and I'm turning 30 very soon. What do I do if I currently have dead end job?

[Anonymous No.54749211]

>>54744326
does your gf have a nice ass? be honest.

[Anonymous No.54749408]

>>54749211
She's got a petite ass. I like but it's not the current trend

[Anonymous No.54749624]

>>54744326
> You are 38 with $0 net worth, how did that happen?
I'm 23 with a good job and my plan is to retire before 30, so I'm saving and taking investments seriously.
Now I'm building a strong crypto portfolio and I pay most of my bills with CryptMi card because of cashback and discounts that I get on its app.
I think doing all of this helps me save and is setting me up for early retirement

[Anonymous No.54749630]

>>54744326
Is she hot? If so, then you’ve already made it.

[Anonymous No.54749688]

>>54744326
you should put a kid in her before she realises what a loser you are and dumps you.
You don't want to be a genetic dead end dying alone in a hospital with no kids, do you ?

[Anonymous No.54749728]

If you find a job in a couple of months or years, you can stack into ETH or AVAX, if you want a passive income. if you want to work until you die it's up to you.