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2023-11: Warosu is now out of extended maintenance.

/biz/ - Business & Finance

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55407552 No.55407552 [Reply] [Original]

How is it possible for anyone to be over the age of 30 and not even have like a years expenses saved up? I always see people who are like 32 years old saying they have $20 to their name.

HOW

>> No.55407567

>>55407552
>37
>have $2,883
What do you think about that, anon?

>> No.55407569

Being a millennial. First job opportunities got fucked in 2008-12. Then one got fired after 2020 right before paying off student debt and likely now getting fucked again. So is life as somebody born while GenX scammers and failures run the show

>> No.55407570

>>55407552
You forgot how retarded the average normie is. White men will spend all their money to buy trucks/muscle cars, niggers will buy new sneakers/clothes/jewelry every month, women will travel to multiple countries and spend their remaining money on makeup/nails/hair/clothes/germanoid “luxury” cars, spics will spend all their money on honda ricer fartbox upgrades

>> No.55407573

>>55407552
Shits fucked everyone lives a different life

>> No.55407578

>>55407552
By design they dont teach normies about money. Even if they make more, they think that means they should be spending more. So they blow it on stupid shit, cars, clothes, luxury bullshit like watches and handbags. They have no vision, it's like that delayed gratification experiment they did with the kids waiting to eat the marshmallow

>> No.55407617

>>55407567
Sweet i found someone poorer than me at my age. 37, 58k, no debts. We fucked up anon, but we must prevail. I will be saving everything and investing until I no longer need to wage. I don't care about having a life anymore.

>> No.55407625

>>55407569
You're poor because you suck at finance and are in the bottom 10%

>> No.55407631

>>55407617
I don't have any debts either. I just spend my money on bicycles and other hobby shit.

>> No.55407643

>>55407631
sell all that shit and invest it unless you can turn it into a business.

>> No.55407645

>>55407625
I am actually not poor when it comes to funds personally. I live a poor life while having enough run away capital for a good few years to keep living at the current expenses. The assessment was in general for millennials, they got fucked and they are angry, and they won't support the current political and economic system. GenX and to a certain degree Boomers bailed themselves out while creating the generation that it is going to kill them in their sleep

>> No.55407661

>>55407552

Most people live on debt.

>> No.55407677

>>55407578
>>55407570
>>55407569
do ppl really spend that much

I was pulling in 14k/month AFTER tax and i barely was spending 2000-3000 per month... thats including all rent bills food entertainment etc

>t. 30yo just quit my job

>> No.55407687

>>55407625
Btw chinky, enjoy the war that is going to be waged on you. You are going to starve to dead, while young Zoomers and older Alpha rape your women and burn down your villages

>> No.55407695

>>55407677
Why'd you quit your job faggot
Also why weren't you spending some money on hookers

>> No.55407697

>>55407677
Yes. People are fucking retards. Niggers get like $30k per year in welfare programs alone including free rent and still manage to end up broke at the end of each month

>> No.55407715

>>55407552
Well in 2021 i had like 30 years of expenses saved up (on paper), but it all melted away to a paltry sum with the bear market. So now i'm one of those 30+ year old losers with nothing. Like you, I also used to laugh at poorfags, but now i'm one of them again. I didn't even get to burn through it all doing nigger shit like hookers and blow. Just watched it disappear while crossing my fingers every day hoping we had hit bottom. I am probably the dumbest and lamest person i have ever met.

>> No.55407720

>>55407552
This. All you have to do is live cheap as hell until about your late 20s or so and just invest all the money you make in crypto. It's not that hard. Nobody is saying that you're not supposed to have fun, but have fun within reason.
>B-but I need to consooom and spend a month in Europe at 19 because I need to experience being robbed and possibly raped in a youth hostel and catching herpes from a random Czech hooker.
Fucking retards I swear.

>> No.55407722

>>55407687
>he thinks vietnam war hasn't started.

>> No.55407728

I have 0.05 eth to my name and I want to kill myself every day, every day I hope someone else does it for me I'm 30 years old no job no car can't get a job

>> No.55407732

>>55407722
It's not hot yet. The fun begins with the drafts and the alliance with India. China is going to be distributed.

>> No.55407734

>>55407715
I bet now you wish you spent some on hookers and blow.

What were you holding? How'd you lose it all? What's your plan now

>> No.55407741

>>55407697
I used to work with some really poor inner city people at my old job. Really had to bite my tongue around these people. The things I used to hear them say about money almost had me in tears.
>"Man, I wish I had 10k"
>"My friend was always complaining that she was broke and then we found out she had 17k."
>mfw they actually thought that was a lot of money.
It wasn't even funny. It was just sad.

>> No.55407747

>>55407741
I wish I had 10k too, would solve literally all my problems and stress right now.

>> No.55407754

>>55407552
>28
>$170k in my checking account
>live with grandma
kek i wish i knew what stocks to buy

>> No.55407760

>>55407552
NEET for 15 years

>> No.55407762

>>55407552
I'm 34 years old and haven't been that broke since I was a college freshman. Poorfags need to GROW THE FUCK UP

>> No.55407763

>>55407552
because most people have life's unlike us and go out and spend their money, while we sit in our rooms and play video games all day.

>> No.55407773

>>55407741
Zero ability to plan for the future. Delayed gratification almost doesn’t comprehend for the average nigger’s brain. They would immediately start thinking of all the weed/gold chains/sneakers they could spend the $10k on

>> No.55407774

>>55407552
I'm 34 and never had a job longer than 3 months but I'm pretty sure i'm schizophrenic

>> No.55407781

>>55407747
We all could use 10k but it wouldn't "solve" all your problems just temporarily delay them.

>> No.55407782

>>55407763
Makes more sense to just delay it for a decade and then be able to do it for like 60-70 years then to do it for a decade and have to be a slave for 50 years after.

>> No.55407784

>>55407734
Bought link at $0.45 (not memeing). Quit job at literally the day of the very top as i had nearly a million dollars, and figured there was more of a run up to come for me to cash out and live comfy through the coming bear. Link did nothing but crash and bleed since that day, as i kept waiting for a significant bounce which never came. My family and i lived off of it for two years. Now i'm back in the wage cage, and my stack is worth like $30k. Now i plan on buying back in, but instead of just fundamentals, i'll gamble on a few obvious bullshit scams too. If i would have bought dog coins last cycle i would have been filthy rich. I remember the shill threads when shib was first started, thinking "what fucking retards buy this shit?" Kek, fucking justed.

>> No.55407795

>>55407734
>>55407695
Never done blow and every time I sleep with people I get sick.

>> No.55407803

>>55407763
The best things in life are free anon. It’s why I love going hiking now. All I have to pay for is the gas for each trip and maybe a couple gatorades/snacks

>> No.55407813
File: 106 KB, 1003x1003, 1685320009677262.jpg [View same] [iqdb] [saucenao] [google]
55407813

I am a 5'11" manlet. Making it was never an option so why bother? No such thing as a legacy if you have no offspring so why not rent until I die? God decided 31 years ago my life would be one of loneliness misery and poverty when he made me this way. Fuckit

>> No.55407818

>>55407741
How did she "find out she had 17k?" Did she put it in the freezer and forgot about it?

>> No.55407823

>>55407774
get gibs for your disability. become a neet.

>> No.55407829

>>55407552
Genuinely doesn't make sense since everyone has a CS degree and makes STARTING salary that is work a TC of MINIMUM 240k. Everyone has that bascially. 4 year degree and projections of upwards of 350k STARTING. Its incredible common now a days since AVERAGE salaries are roughly 240k STARTING. Middle class living.

>> No.55407835

>>55407823
Working on it, still waiting for a determination.

>> No.55407837

>>55407569
>gen x scammers guy is back

>> No.55407842

>>55407552
33yr here
>kicked out of the house at 18
>bouncing around until a call center job
>started a business to escape wage slaving
>try to integrate btc into the checkout process & give up(2015)
>spent my 401-k, and 90% of income into the business for 4 years
>spent $3k on business classes seminars and conferences
>avoid some charlatans & grifters
>weirdly enough dating is easier
>Almost “make it”
>end up closing the biz accidentally sent 8k(all my money) to a supplier out of escrow in Chile.
>start from 0 no degree can only work min wage
>build an automation bot during early instagram days(2017)
>hear about link and go all in with a split between vet, eth and random other shitcoins. Put $70 into iota & xrp
>tell everyone I know crypto is going to be huge
>get mocked and made fun of. Friends tell me I’m retarded
>continue buying off etherdelta
>move cross country, get deep into debt buying equipment, to partner with an old friend to scale up
>crash at his moms place put all my belongings in storage
>worst-decision-ever.png
>friend thought I’d be his make it pay pig while he does 0 work and I do everything
>panic attack & midnight sweats begin
>can’t get anything but call center jobs since “I don’t have the degree/experience/skills”
>meet Sony executives
>by the grace of god scheduled a meeting to sign a deal giving up nearly 70-80% of everything
>so desperate at this point
>during the meeting my friend has a meltdown. took so much shrooms it fried his brain. Starts demanding we run a business selling literal water.
>everyone looks at me like wtf.jpeg
>business ruined and he catches me fucking his mom 3 days later.
>Covid hits China
>sleep out my car and between said friends moms house

>> No.55407870

>>55407818
The friend didn't think that 17k was a lot of money and told her friends about it, but her friends thought it was a lot because they're retards.

>> No.55407884

>>55407552
>live in Europe
>job market completely fucked
>work for pretty much minimum wage in any case (even if you have a phd) because taxes steal everything from you and your employer and there are unlimited third worlders at the door on the work supply side
>have like a couple hundred dollars per month left after rent and expenses
>uphill battle against yearly two digit inflation and devaluation or the €
>boomers own the entire real estate market, ensuring you can never buy and rent is above half your salary
>feminism makes it almost impossible to find a long term partner to live with and share bills

The game is rigged

>> No.55407890
File: 109 KB, 1200x1165, 1649435149270.jpg [View same] [iqdb] [saucenao] [google]
55407890

>>55407842

>> No.55407892

>>55407884
>>55407842
You know sometimes less is more.

>> No.55407911

>>55407784
Good learning experience I guess. Similar situation for me.

Dog coins are hard. I've lost so much trying to catch the next shib.


>>55407795
If you're happy then that's what matters

>> No.55407986

>>55407842
>sell out of my link stack to survive
>hear about some guy buying a business
>think:”if I can’t start one why not buy one…”
>go through the entire process
>literal buying suits from Nordstrom keeping the receipt to return later while I pretend to be a rich-fag
>working a data entry job making 45k/yr during this time
>negotiate a 0 money down asset buy out on a 1.8mil property in butt fuck Texas with the owner online
>coached friends mom to pretend to be my assistant during the initial meetings with the banks
>literally praying/crying hoping this works
>chinese bank says no problemo we need your taxes bro and 10% down…
>freak out about the money
>call everyone I know
>they tell me it’s a scam
>rage scream telling them I’m the one making the deal
>tell them I’ll pay them 1st out and will have it in writing.
>plead with my family to help me & I’ll buy them a fucking duplex in Florida. >They tell me to fuck off
>come up with all the money from the last of my crypto + a hard money loan/shark loans to make the deposit
>call the irs and schedule to go to the office next day
>entire country shuts the fuck down
>have to go remote now. Thinking wtf I don’t have an apartment.
>2006 focus breaks down
>Can’t get anything from the gov until next year. Depression smacks
>blm riots
>convince friends mom to let me stay rent free and I’ll invest for her/ pay a bit of rent
>random gun shots at night everyone is into politics
>crypto fucking moons
>went from 6k to 658k off a data entry job
>pay my friends mom and move into a Vietnamese family’s house as roommates
>can’t get out of depression
>throwing 100s of thousands into various meme coins losing and making it
>it’s just numbers on a screen
>thinking about the past almost suicidal
>no family no friends no girl no one
>move to Florida
>buy boxes of designer clothing and feel stupid
>buy Rolex
>buy an 80 convertible
>threw 10k into t-bills
>dreaming of jumping off a bridge

>> No.55407991

>>55407892
>>55407890
Live fast die young

>> No.55408016

>>55407911
Not really happy but I'm alive, drugs are fine just not my cup of tea if my body wasn't so shit maybe but meh.

>> No.55408026

I'm a zoomer and a big problem with people who are, and millennials even is that they value their education too much, don't go to uni and go into debt for nothing, don't waste years studying when you can be working, people think degrees matter when any nigger can put himself in debt and get a gender studies phd, learn a trade or something useful and know how to manage your finances. If you live frugally you can buy assets with the saved money and they'll end up making you richer.

>> No.55408042

>>55407986
Based hustler

>> No.55408043

>>55408026
This is true for some, not all. Time will tell if you're really as smart as you think you are. Luckily you can always go to college later.

>> No.55408044

>>55407552
I don't have a years of expenses saved up, but I am going to make 510k next year and have a good chunk of my home payed off.

>> No.55408052

The only scenario that I could rationalize is if it's from medical debt. For the majority of people, being actually broke at 30+ is the result of poor judgement and being irresponsible.

>> No.55408060

>>55408044
>payed
bro 510k rupees isn't 510k usd.

>> No.55408081

>>55407552
>go to college

>> No.55408087
File: 102 KB, 560x909, 168685797296148993.jpg [View same] [iqdb] [saucenao] [google]
55408087

>> No.55408090

>>55408060
Good thing I am getting payed in usd

>> No.55408094

>>55408043
Trades give more freedom than phds desu, you'll always be a wagie if you just work a higher job, if you learned plumbing or something you could start your own business and be free. The most sensible thing is to gain freedom and gain assets which can be passed on and build generational wealth. It's also a fact that businesses and assets can grow and beat inflation but wages have always been below inflation.

>> No.55408098

>>55407728
I'm sorry to hear that. If you really can't get a job unironically apply at McDonald's or something. You'd be surprised how impressive that looks in your resume. You probably think I'm trolling

>> No.55408101

>>55408090
>Payed
Uh huh try harder ranjeesh

>> No.55408110

Why care about saving money? I'd rather spend it, I'm just gonna kill myself when I can't work anymore.

>> No.55408113

>>55408098
Unironically rather eat a bullet than work fast food or retail ever again.
I did fast food one time and kept sneezing into the food and all my co workers left to go smoke so I quit.

>> No.55408115

>>55408090
Being payed in monopoly money

>> No.55408117

>>55408101
na just my shitty education. Spelling and grammer are for suckers. Cope harder bro

>> No.55408121

>grow up insane mormon kid who eats and breathes that shit
>graduate highschool work at walshart
>go to denmark at 19 to shill mormonism
>feel like a brainwashed zombie for two years
>come back to US crazy as fuck doubting my entire life as lie
>get a job at a USPS processing center
>enroll in local college for general engineering because my brother did
>can't focus, brain is trying to make sense of all the conflicting information chipping away at my house of cards beliefs
>worldview finally gives away and collapses catastrophically within a few weeks. feels like that "somewhere in time scene" when he gets sucked through the past back to the future and gets giga depressed and starves himself to death in his room
>go through the motions for the rest of my degree switch to geoscience cuz i just want to go in the middle of nowhere a lot and stare into the abyss of geological time
>graduate and neet for like 10 years. I can't even remember how long. Lost count.
>spent most of that time hiking and laying next to this creek a mile from my parents townhouse by day and jacking off to mature lesbian porn by night
>covid fagteen happens. I get 30k unemployment inflation bucks because worked for three weeks as a ups driver helper in december 2019
>fail to find the balls to invest any of it into the bullrun, was gonna throw it all into fantom when it hit .155. I did not.
>brother buys a nice five acres plot right next to a mountain town and says he'll get me a loan for the other five next to him if I get a job and pay him the monthly payment for 10 years, I say ok
>I use some of my 30k to buy a car, get the first job I can caretaking adult retards. my first real job in 10 years
>too late. somebody bought the property
>keep the retard caretaking job. Still doing it. worked over 100 hours average a week the last 6 months.
>now have 58k saved.
And that my dear anons is why i'm 37 with only 58k to my name. I will never neet again until I make it.Lower your tone when replying to me

>> No.55408129

It’s simple. If you don’t break through a certain threshold of income, it’s basically impossible to save anything.

>> No.55408131

>>55408117
I mean it took more effort to try payed than paid, that's a skill issue not education.

>> No.55408132

>>55408115
ya that is true. Amazon stock tanked the past few years. I ended up getting under payed by like 80k last year because of it.

>> No.55408137

>>55408131
god damnit this jeets infecting my speech like a mind virus now....

>> No.55408156

>>55408121
I respect the grind anon. Honestly 58k isn't bad at 37, I know people who are 50 with less because they spend their money like idiots

>> No.55408177

>>55408156
honesty doubt even my wealthier friends have 60k liquid to their name even the married ones, especially the married ones.
Not including crypto investors I've met.

>> No.55408182

>>55408121
Should stack some gold for long term saving

>> No.55408243

>>55407552
People are dumb with money and never think of the future beyond the next paycheck. I pseudoneeted for a decade in the national guard and lived off of deployment money, so I'm not much better but at least i finally have more saved up than when i started the neetdom luxury life. I just wish i would've checked out /g/ back in 2009 and bought some magic internet money with my deployment money and be a billionaire but spending my 20s just playing vidya and working a couple days a month was pretty rad.

>> No.55408257

>>55408156
thanks anon that means a lot to me. Just crossed my first whole year of working a job ever this April. My parents just moved out of town and now I'm essentially homeless living in my 2012 prius I bought when gas prices spiked over 5 dollars because I was sure it was going to $10. I only visit them once a week on sunday. I have sleeping nightshift position as my baseload hours, was doing a bunch of day shifts to get my lowered tone deserving status last six months. Only at 72 hours a week now because the company owner got pissed at how much overtime I was sneaking by with because my milfy california transplant supervisor loves me and used me as much as possible, so go ahead and raise your tones again. Guess I'm gonna try to get a different day job now so I can regain the right to a lowered tone. I know I should be finding something not dead end at 37 years old. I refuse to give up. I will find my way. Was thinking of doing a Network Security bootcamp. Do I got any chance making a career in that at 37?

>> No.55408277

>>55407552
No gold standard anymore

>> No.55408303

>>55408177

i have 60k sitting in my checking account right now. i am literally not even rich. make 250k a year. net worth maybe 300k. my paychecks, even after retirement and taxes, net like 5k per. 2-3 per month. if you have actually wealthy friends they have way more than 60k sitting around in various accounts that is pretty much liquid (say something like a money market or hysa something).

>> No.55408326

>>55408303
>not rich
>makes 300k a year
heh, most money I ever made in a year was 16k.

>> No.55408333

>>55408026

College is valuable as a piece of paper to help you get a white collar job so you have the time and energy to invest in a real business. Yes, you can go the trade route but you will spend a decade learning the trade to get to the job that lets you push papers like the college degree helps with. If you already have a business plan yes a degree is not necessarily helpful but contrary to popular belief you can actually learn things in college that will help in life.

>> No.55408342

>>55407552

How does anyone making more than $70k per year not have any savings? The fuck are they spending all their money on?

>> No.55408344

>>55408342
Fuck try to make sense out of the anons post above
>I make 300k a year
>net 5k a month 2-3 per month
What?!?
Fuck I maybe nuts but at least I'm white.

>> No.55408354

>>55408344

Nah I'm just retarded. Net paycheck is 5k a paycheck. I get 2-3 paychecks a month. Net is post retirement, hsa, benefits, taxes, etc.

>> No.55408372

>>55408113
>>55408326
come join me in the tard wrangling industry anon. Its good honest work and easy as fuck. I prefer the severely developmentally delayed as company. I think you may find you aren't actually schizo, just not made for these times. That's ok. I'm not either. I'm grateful for the last year of tard wrangling. Those retarded souls are my brothers. I like them more than any normalfag. I'm now grateful I'm not actually retarded. I want to do something with my humble yet not retarded IQ now. Come let the retards guide you to your destiny. Its waiting there for us.

>> No.55408375

>>55408354
So you're doing multiple jobs, and I can assume not really doing any of them correctly?
How the fuck are you spending that much dude, I mock myself in an attempt to garner attention because well that's how this board works but in reality what the fuck, I was working making 4k a month delivering amazon packages didn't last long because I scared the piss out of my management but regardless curb your fucking spending there isn't that much to spend money on dude.

>> No.55408396

>>55408375

my net expenses each month is usually around 4k. im not spending that much. i am getting on average let's say 12k a month post taxes. it's just taxes my man. also a lot of my compensation is tied to year end bonus (20%) which is a lump sum payment at that time.

>> No.55408401

>>55408042
Thxs
Im broke as a joke atm living on savings. I truly believe there’s at least one major play every year for an average joe to make it”. The universe, god, Vishnu, or this simulation would always leave a back door. At the quantum level exists loopholes. Plenty of success stories of ppl at various ages having their day. Even a stray dog will get some play every now and then…Hope everyone reading this makes it and realize your dreams.

>> No.55408408

>>55408396
Still really high, coasts?
Kids/family?
Honestly this kinda shit is what barred me from making it, I've had money before and ran businesses at one time in my life.
The fucking bullshit tiered system we have in place absolutely demoralized me from wanting to make more money.
at least and be honest about it.

>> No.55408420

>>55408257
desu i followed the academic path and am about to finish my phd in engineering, so I don't have bootcamp experience personally, but I do two things

1) security stuff will be very important in the future, if you're going for anything in tech, security should definitely be it

2) i haven't done bootcamp stuff, but i have an old friend who did after doing a bachelor degree in a worthless subject, he worked a couple of shittier 5-figure jobs but quickly got to 6-figure jobs after like 1-2 years (after his bootcamp), you just have to be pro-active in getting that first job then switching after a year there to get something that pays better

>> No.55408424

>>55408408
I also watched my dad run a business and never paid a fucking dime in taxes and waited out a 100k lien by the IRS
So I know for a fact there's ways around systems.

>> No.55408438

>>55407695
Quit cause burnout. Been grinding since i was 12. Parents never helped me with shit. None stop stress since a child about money and finally got some money im taking a year off.
Also that job had no growth.
Will take some time to self learn and find a better job.
I invested every cent i had and 95% of my money saved is in assets and stonks.
Health is as important as wealth i realize at 30

>>55407697
Growing up i lived near a lot of poorfags and niggers off govt aid. My own family included. Some of the most useless , self absorbed humans i ever seen. Literally ngmi those people

>> No.55408452

>>55408438
It is, I'm currently taking time off working due to mental/physical health issues, its sucked money wise but it's been good for my mind for sure.

>> No.55408461

>>55408438
I'd much rather work and could get gibs for my mind if I hammed it up but my physical issues are what I'm trying to get disability for, so I can get better while trying to think outside the box but be able to afford to live.

>> No.55408462

>>55407829
Cant tell if youre being ironic but its actually true lol
I make around there and feel middle class. Still cant rly afford anything real. I can buy better food is about it. Less worries about starving oir being homeless but still cant do much more than a wagie

>>55407842
What the fuck LOL

>> No.55408467

>>55408087
This is what happened because of nt neutrality getting axed.

>> No.55408477
File: 306 KB, 796x1473, Screenshot_20230626-210907.png [View same] [iqdb] [saucenao] [google]
55408477

Lol debtmaxxers seething
>be me
>$35,213.98
>$20,443.98 of that is liquid
>debt free
>no credit score lol
>22
>only make $30k/yr post tax, feels bad man

The answer is to NEVER take a loan with interest. I'll never GIVE a loan with interest either. It's just that simple.

>> No.55408495

>>55408420
are hr roasties gonna filter me out? How do I get past them at 37, 38 before I'd be applying? what are the most based fields in cyber security to get a foot into?

>> No.55408521

>>55407986
Why not just pick a nice rural church and give all your shit to them? Yolo right?

>> No.55408522

>>55407552
drugs

>> No.55408530

>>55407818
Read it again.

>> No.55408550

>>55408129
This.

>> No.55408561

>>55408477
I have a 2.2% loan on a house that I bought in 2019 and it’s appreciated by 300k with me doing nothing, I think you should be the one seething

>> No.55408853

>>55408495
>are hr roasties gonna filter me out?
I don't think so. Just know your shit for interviews. That is all anyone cares about.

>what are the most based fields in cyber security to get a foot into?
DESU I'm not too familiar with the field to say much, but aim for something you can become an expert in and you can move up in

>> No.55408932

>>55407552
normalfags spend all their money on travel, hangout and... COFFEE.
shit pile up.
non homemade coffee are fuck expensive and they buy it like twice a day, every day.

>> No.55408943

I'm 29 and have sub 800k in stock.

>> No.55408945

>>55407552
I'm 40 and have about $400. I'm on a disability pension for autism/aspergers, i was only diagnosed 2 years ago though. I worked for almost 20 years in various jobs but mostly as a web dev. I had about 12 jobs or so, i kept getting fired or quitting for retarded reasons. I quit a job once because I was late for work for example. But between each job I was off work for several months at a time, so all my savings was gone by the time i got the next job. The most money I've ever had in my bank is about $12k. But right now it's about $1100, and $700 of that is for rent, so $400. I try to work on startup ideas with web development but I'm too scared to talk to people and keep changing what I'm working on because i get a new idea and stuff, i'm a bit all over the place.

>> No.55408953

>>55408087
>Xbox gpu $5
>Gym $30
>Comcast $55
>Verizon $20
>Netflix $5 (just about to finish rewatching Seinfeld before I probably cancel it)
Kek I don't even know what like 1/3 of the shit on that list is

>> No.55409019

>>55408945
Better get a stable job before you become 70 and have nothing to your name

>>55408953
>Gym $30
Just get dumbbells and a pull-up bar

>Netflix $5
Nigga you can torrent that shit, just invest in a VPN, in the long run you'll pay the same but have access to way more media

IDK what the other shit is, but I hope it is internet/phone and not TV (which you can also torrent)

>> No.55409030

>>55408945
Oof dude least you got disability
>severely autistic but refuse to allow the medical system to label me crazy
I got enough problems physically to qualify or should at least.
Unironically start doing side hustles, if I ever get better I will be, there's plenty of money in general labor jobs, it's how I made my living for a very long time and sometimes it was better than crypto.

>> No.55409042

>>55408945
You got 400, take 100 of that buy a pump sprayer and some pesticide, get some decent ppe and make some craigslist ads for discrete pest control, retards can do it and people are fearful of chemicals so they just let you do it.
Don't be crazy just do a ring round their house 75 bucks outdoors lasts three months, 120 whole house (usually requires stuff that's more expensive to not stain)
although there's some like Alpine WSG you can use in and outdoor and works great.
You can rake because most people sign contracts for that shit and they hate it and want one time services.

>> No.55409045

>>55409042
>t. long term plan is make it enough with crypto to make pest control businesses
They fucking rake dude, you do it right you can clear 5m a year with a small building and minimal risk.

>> No.55409049
File: 60 KB, 340x512, nut324.png [View same] [iqdb] [saucenao] [google]
55409049

>>55408344
>nuts
NUTS?

>> No.55409053

>>55409045
>>55409042
>>55409030
>inb4 bullshit
20 workers, doing 13-20 houses a day, you clear 2-3k income per worker per day.
Average cost of materials per house.
1.40

>> No.55409061

>>55409053
>>55409045
>>55409042
And before you ask
>but what about licenses
You hire a branch manager who gets his license and all workers below him work off his so it's literally just shitty nissan trucks and contracted supplies.

But I'm a lot smarter charismatic and understand supplies better than these businesses did and I'm way better with local people than they were.

>> No.55409073

Anus

>> No.55409152

>36
>$100 in my bank account
But I'll probably cash out $400-500 of crypto profits to buy a CSGO knife. Yeah, I'm that degenerate level.

>> No.55409157

>>55409152
https://youtu.be/PayvWj2piKg?t=77
Bro....

>> No.55409335

Sometimes I feel like I live in a different world when I live on $15,000 a year and manage, while there's people out there buying a new car every year that costs literally x10 that amount, or travelling and spending x5 that amount, etc.

>> No.55409341

>>55409335
Also I'm pretty much monk mode so I don't need much more. I am looking to find somewhere cheaper to rent though.

>> No.55409388

>>55408561
>the 18 year old should have bought a house

>> No.55409423

>>55407569
It took me 2 years of qorking to save up for 3 years of expenses. You're just dumb.

>> No.55409486

>>55407986

>> No.55409488

>>55407986
Cool story bro. What's your friend's mom like in bed? Describe her.

>> No.55409493
File: 134 KB, 1024x604, 1660869796619204.jpg [View same] [iqdb] [saucenao] [google]
55409493

>>55408087
Are these people not aware of piracy?

>> No.55409586

>>55407552
Millennials are a fucked up, broken generation of people.
I want to go to a millennial jonestown where we create a little village where everything looks like it's 2003 and then we all just hold hands and drink the koolaid and say we are going back together.

>> No.55410042

>>55409586
What flavor? Because I hate grape.

>> No.55411225

>>55408401
interesting life story anon. you should try and figure out ways you can steal identities and debt max or maybe use ai to create fake ones. ur neurodivergent people like you always figure out ways to make things work. keep going i have more faith in people like you succeeding than every other fucking normie on this planet

>> No.55411344
File: 161 KB, 483x470, 1686703678515194.png [View same] [iqdb] [saucenao] [google]
55411344

>kicked out at 18 and grab anything i can find
>get a land surveying job cutting line in the woods and standing in the middle of busy roads and on the side of highways during rush hour traffic
>pays pennies but the work is so fun that I love it
>do this for 7 years
>fall in random obscured dillo hole that was deep as fuck and hyperextend my knee
>outofcommissionforever.jpg
>it's literally over
>spend all savings recovering and simply surviving lol
>don't qualify for disability to hold me by even though i'm literally crippled for who knows how long
>currently studying for sysadmin or something
>looking for literally any kind of help desk job atm
I'm not even upset, just bad luck I guess.

>> No.55411379

>>55408121
>>go to denmark at 19 to shill mormonism
Brother1:"Denmark, Oh Boy! Land of Legos!"
Brother2: "And Pastries!"

>> No.55411613

>>55407552
Rent is multiple times what it used to be. So are cars (not loans; owning a car altogether, whether or not you bought in cash). For the past 3 years, so is food. We're being bled dry.

>> No.55411700

>>55407569
>>55407645
>>55407687
>>55407732
>Bitches about evil Boomers and Gen X scamming
>Is gleeful about trying to pull a WW3 scam to do the same thing

>> No.55411800

>>55407552
I can think of several reasons.

Low-paying jobs, because not everyone can get into college, much less complete it

Education debt - not everyone can even get loans, much less repay them

Medical expenses, particularly from accidents - not everyone can get insurance, and insurance doesn't cover everything

Childcare expenses, from getting knocked up

Eldercare expenses, because you can't just let your worn-out old parents starve

Transportation expenses, because public transportation doesn't work for everyone

Time spent in prison, with the resulting difficulties getting established.

It's a jungle out there.

>> No.55411815

>>55411800
don't forget failed business
t. -100k nw, 37. Should've just kept waging and gambling on shitcoin

>> No.55411934

>>55407552
i don't make enough to save
i spend it all

>> No.55412320

>>55407631
37 years old
Spends money on bicycles. BRO like ? What ?

>> No.55412561

>37
Only have 9k

>> No.55412599

>>55412320
under 18s aren't allowed here bud.
bicycle anon is based.

>> No.55412681

>>55411700
Wouldn't it be fun? Crippling the wannabe Hegemon chosen by the transnational jewery and the was be hegemon of the transnational jewery, egging them on into nuking each other

>> No.55412696

>>55411800
this is the shit that keeps me up at night. waging is one thing, but waging AND getting one or more of these things thrown on top of you will JUST you into the ground. you wake up one day and suddenly you have cancer, or your parents have cancer, or whatever. now you're fucked, there's no way in hell you can get ahead anymore.

>> No.55412704

>>55407552

Life anon. At my highest, I had $550k. Now at 39 I'm starting over

>> No.55412849

>>55407552
No idea, I'll be FIRE'd by 30.

>> No.55413050

>>55407986
Don't do anything irrational anon
you took yourself out a couple of time you can dam sure do it again
patience is a virtue

>> No.55413065

>>55407552
Not everyone can live with their parents while studying and then while working.

>> No.55413096

>>55413065
You need to think like a GenX scammer that scammed his parents and either died from suicide or an overdose or survived and went on to scam the rest of the world with html and css, real estate, and repackaged debt in various forms also esg which os just repackaged debt

>> No.55413154

Most people are losers. I'm 30 and the majority of my friends are working off their student loans still and also have a car payment. None or a few thousand in retirement savings, none or a few thousand in regular savings. They just wing it and are scraping by.

I was very intentional with my finances, paid off my student loans quickly, bought my car while rates were low and still paid it off within ~6 months. I have $700k+ net worth and make mid 6 figures. You get what you prioritize, and most people over allocate to fun, pleasure and dopamine instead of their finances. I kind of wish I had did the same. I live well but have for sure missed out on some things but keeping it tight. There's a bunch of people who didn't get the memories or the money too, so it is what it is.

I'm at a point now where I don't worry about money at all. I spend loosely and enjoy my life. Retirement takes care of itself when you started contributing super early. I plan to buy a house cash here shortly, sell my crypto once we get to ATH again, and then sell my biz for 3-5x multiple and retire. Should happen by 33 - 35 at the max.

>> No.55413195

>>55413154
Few people are in career paths that make 6 figs at all, though. Of those that are, even fewer can afford to save 700k+ within 8 years, let alone do that and also pay down debt + get a car. This is another avocado toast bullshit story. Look at the numbers, John.

>> No.55413210

>>55413195
It's a larper, most likely just a bot

>> No.55413244

>>55413195
The median household income is $62k

>> No.55413292

>>55413195
I agree with you, but this is precisely what I mean by being intentional. I very carefully selected an industry I wanted to go into, adapted my skills, adapted as the job and industry changed, etc. I had some luck too no doubt, but I do see a lot people my age just letting life happen to them who have no intention or plan, it's all a matter of circumstance to then instead of careful selection and intentional action.

I guess calling people losers is a bit harsh. I do feel for those who thought they could just get a degree and make "good money" doing some regular shit - they did everything "right" by normal standards and are getting boned. It definitely was the standard for the last 60 years in the USA and radically changed over the last 10 to require very specific skills for anything >70k/year; with inflation it makes it even worse.

Still, I think most people can get out of their circumstances if they put forth intentional effort and planning. Anyone can become more valuable and therefore increase their earning potential.

>> No.55413313

>>55413292
Silver spoon. Nepotism. Liar. Scammer. Those are the options regarding you bot

>> No.55413316

>>55407552

You were born with everything handed to you, you're not a real man.

>> No.55413375

>>55413244
Exactly.

>> No.55413398

>>55413316
Awfully presumptive, I'll be honest I'm way fucking behind on life at my age, if I could re-do my 20's I'd be so much further beyond where I'm at today.

But I wasn't applying myself.

>> No.55413408

>>55413313
okay mate. I'm sorry your life is so off track that you think being above average is unachievable.

>> No.55413415

>>55407661
Nah mate. Some folk skip Uni, ditch the idea of owning a house and live happily via renting. No debt required.

>> No.55413423
File: 1.16 MB, 1000x750, aaaaaaaaaaaaaaaa.png [View same] [iqdb] [saucenao] [google]
55413423

Money is worth less and less every year so I buy what I want today while my buying power remains.
Don't even talk to me about investing, that's Jewish gambling shit. I hate the fed so much it's unreal.

>> No.55413424

>>55413408
So silver spoon?

>> No.55413425

>>55413408
>haha I became the top 0.001% of earners of my own volition with no help it's aaaall me
>not larping by the way my dad works at- I mean doesn't work at nintendo

>> No.55413447

The trick is to study accounting or law.

Law is difficult and law school is challenging but you’ll get paid a ton.

Accounting is brain dead easy and you can make 50k with no degree and 85k starting with a degree.

>> No.55413465

>>55413447
Law pays like ass unless you're in the top law firms, which is basically all about nepotism. I don't know anyone who can even work without a degree as an accountant, but your figure is correct with a degree.

>> No.55413473

>>55413447
Larper or bot.

>> No.55413489

>>55413447
accounting starting pay is more like $60k.

t. accountant making $100k

>> No.55413490

>>55413195
A lot of people view these topics as an opportunity to boast rather than actually answering the question.

>> No.55413510

>>55413465
literally every bank and most small businesses are looking for degree less scab workers in accounts payable and book keeping.

>>55413465
If you're in a top law firm you'll eventually be making millions of dollars yearly if you make partner. Those are nepotism heavy but what about smaller firms with more humble yet still significant salaries?

>> No.55413512

>>55413423
What do you do if you have a bunch of cash but don't want to buy anything? Invest? I was never interested in investing because I feel like I'm just shoveling money to scammers and con artists. It's not my game to play.

>> No.55413517

>>55413490
What I hate most about this is that they don't just boast but pretend they did it all on their own with no support from anyone and were totally from a poor family or some shit. Of course that's never actually the case and daddy got his kid a job doing nothing at all, every time.
And then you make that claim and the nepobaby comes back with
>noooooo it wasn't nepotism, it was my long-time friend who gave me the job and not my daddy so it doesn't count!!1

>> No.55413519

>>55407884
Finland?

>> No.55413522

>>55413510
>accounts payable and book keeping.
those are $20-30/hour jobs depending on where exactly you live. also they aren't accounting, they're dead end clerk jobs.

>> No.55413527

>>55413489
are you a CPA? You may live in a low cost of living area. A new hire big 4 accountant makes around 85k with bonuses and within 5 years with a CPA degree can be promoted to manager and double that salary at minimum.

>> No.55413529

>>55407552
24 y/o. Graduated into covid. Have about $11,000 in various degrees of liquid and a $10k paid off car my family gave me, about $1000 of electronics and guns.

>> No.55413537

>>55413510
>If you're in a top law firm you'll eventually be making millions of dollars yearly if you make partner.
Irrelevant for 99% of lawyers who will never sniff the type of position you are talking about. The fact that you'd even bring this up lets me know that you're stupid.
>Those are nepotism heavy but what about smaller firms with more humble yet still significant salaries?
Define "significant salaries"
You do realize you are going to take on heavy debt for law school right?

>> No.55413538

>>55413522
well no shit they're not accounting, they don't require a degree. Its still good experience for an aspiring accountant

>> No.55413548

>>55413195
>Implying debt is necessary for a 6 fig
>Cars are cheap. Spent no more than 4k on a good one. A to B. Inbuilt nav. What more can you want.
The real problem with acquiring 6 figure jobs is that they often get you living in expensive areas. Making rent, ultilities bills and general living expenses horrible. Not to mention the tax brackets that state you owe your government half your wages. It's all part of the system designed to punish those trying to honestly escape being middle fucks all their life. I blame poor fags for making it impossible for non scumbags to prosper.(I CANT DO IT SO YOU CANT)

>> No.55413552

>>55413527
i work for a fortune 5 company, studying for my CPA. big 4 doesn't start anywhere near $85k starting. i worked at a big 4 in philly back in 2018, made $57k with no bonus eligibility. they bumped up starting to $60k. $85k is senior 1/2 salary (3-4 years of experience.)

>> No.55413575

>>55413548
Most people want to live in those expensive areas anyways.
I make six figures and I live in "flyover land" and pay $600 a month for my 2 bedroom apartment. To me, I hit the jackpot. But most people would be extremely dissatisfied living here. They need the "hustle and bustle" and Tinder dates and experiencing every type of food truck grease farts the world has to offer and will gladly pay big money for it.

>> No.55413580

>>55413552
2018 was a super long time ago and philly is low COL. They pay interns the equivalent of $70k a year with a 2-3k signing bonus. (over the course short internship period)

>> No.55413589

>>55413537
I never went to law school but I assume there are many small law firms in many different areas one could break into.

Estate law, family law, corporate law, etc. etc.

>> No.55413606

>>55413552
I have one (1) friend who's CPA and he makes ~90k a year. He actually shitposts about how low that is because he services people spending dozens of millions on overpriced garbage. So his figure seemed accurate to me. He works for himself, though.

>> No.55413628

>>55413580
>philly is low COL
not really.
>They pay interns the equivalent of $70k a year
i just did some research, they bumped it up to $67k first year salary, so a bit above what i thought. interns are paid first year salary on an hourly basis -- there is no bump to becoming a first year. you're probably confusing the "signing bonus" with the $5k signing bonus, assuming you come in with your CPA or beat the impossible odds and manage to pass all 4 sections while billing 55 hours a week.

like i said, $85k isn't starting pay, not even in SF/NYC. accounting pays a tolerable wage but that's all it is -- a tolerable wage. you don't get comfy until you gain 5-7 years of experience and jump into a $130-140k manager role.

>> No.55413635

>>55408344
He's just saying he's paid biweekly in a profoundly stupid way. He gets two paychecks a month, but two months out of the year he gets three.

>> No.55413636

>>55413606
This is so dumb
>You have a lot of money so therefore my labor is worth more
???
They have nothing to do with one another. Just absolute bugman energy.

>> No.55413654

>>55413606
yeah it's pretty demoralizing. i personally wrapped up doing annual financials for multiple 11 figure a year entities. my salary is a drop in the bucket but oy vey gevalt if i dare ask for a raise.

>> No.55413668

>>55413628
they're giving new interns 2k bonuses just for agreeing to intern with them. Then 5k with the CPA after accepting a full time offer but like you said very few come with the exams finished.

You're being quite pessimistic. Manager making 150k after 5 years minimum is not a bad wage at all. Getting a CPA is one of the best ways to make six figures and have job security unlike the meme Comp sci garbage

>> No.55413678

I should have been greedy instead of nice from the beginning. Lesson learned. Hope it's not too late.

>> No.55413700

>>55407687
not fighting your jew wars grandpa, if the press gang comes for me they'll be met with plastic explosives

>> No.55413739

>>55413678
The hardest part is the ingrained niceness. No matter how much you know there is no payoff for niceness at all, only costs, it's hard to undo the programming from years of brainwashing.

>> No.55413753

>>55413739
Agreed. I have nothing because I've helped others. But I'm getting better (worse)

>> No.55413803
File: 30 KB, 1170x180, IMG_0829.jpg [View same] [iqdb] [saucenao] [google]
55413803

31 here, how am I doin?

Break down is
55k in 401k
35k in taxable
25k cash

Plus or minus a few thousand on each

>> No.55413814

>>55407552
Easy, lots of expenses and low salaries, rising inflation etc.

>> No.55413850

>>55407570
>hurr durr everyone is retarded living their life during youth to an amazing level driving sick cars fucking like crazy and wearing nice things
>but i, who spent a decade looking at charts for 150k and had a diet of ramen noodles, are amazing

>> No.55413864

>>55412599
Not saving isn't, though.

>> No.55414024

>>55413408
>700k is merely "above average"
Ok