/biz/ - Business & Finance

[Anonymous No.56297672]

Well /biz, I'm at a crossroads in my life. I'm 38, working a regular $57k job, and my GF just left me. Rent is $2000, which wasn't a problem when I was with her but now it is. I basically have no savings. I am thinking of moving back with my parents and working like crazy for 3-4 years to try to make enough for a decent down payment. I'll basically be turning my life upside down since I'll be moving across the country and selling most of my stuff

[Anonymous No.56297682]

>>56297672
Why did she dump you?

Nothing wrong living with your parents. 2K rent is ridiculous.

[Anonymous No.56297687]

>>56297682
>Nothing wrong living with your parents

>at 38

kek

[Anonymous No.56297692]

>38
>single
>crossroads

dude its fucking OVER for you the crossroads was 8 years ago

[Anonymous No.56297696]

>>56297682
>Why did she dump you?

We became distant the last few months

[Anonymous No.56297786]

Why stay 4 more years at a 57k job and not look for another? You don't have kids. You don't have a wife. Just save up what you can at your current job and live in your car. Then use your time off to develop a skill in a new career. You can earn your CDL in like 2 months and find a good 90k job somewhere. D

[Anonymous No.56297792]

>>56297692
if you are 25+ and still havent settled, married, lived in together and are expecting your 2nd child its over

[Anonymous No.56297803]

>>56297786

If I move back with my parents I'll need to look for another job but the area they live at has a great job market so that's a plus. My current job is an entry level job

[Anonymous No.56297810]

Do it, move back and save like a demon. Instead of putting 2k in some shit stains pocket, you could be putting 2K into BTC every month. one 10X and that is 20K/month. Depends if your parents live in a terrible apartment, of course no good, but if its cozy, what a great place. Hang out with your family, help them, save cash BIG time.Do some projects around the place. Just use the excuse of inflation to your parents, be helpful, and enjoy your family together.

[Anonymous No.56297821]

>>56297810
>Depends if your parents live in a terrible apartment, of course

My parents own a house, fully paid for

[Anonymous No.56297845]

>>56297672
>38
>gf
Nice job drying those female eggs dumb manchild, i hope she gets mutt children

[Anonymous No.56297870]

>>56297696
She was fucking a guy behind your back and then she monkey branched, thats what happened

[Anonymous No.56297893]

>>56297672
If your picture is meant to mean anything I hope it's that you're getting out of La Crosse. I never thought I'd find a place in this country with more alcoholism than Pittsburgh and damn was I wrong.
It's not too late anon, get fit if you're not already, save up some cash, walk the Appalachian trail or something. Find another girl, build a homestead, live a more human life.

[Anonymous No.56297915]

>>56297687
He's already single and 38 and renting, might as well spend some time with his parents while they're still alive

[Anonymous No.56297918]

https://youtu.be/PadC_CD1Wyg?si=BnmRvNiqLzK4YRpF
The image is from this video, its a child predator being arrested, i saw this video yesterday, interesting coincidencd

[Anonymous No.56298088]

>>56297792
>2 children before 30
how to wreck your life (read: unless you are rich)

[Anonymous No.56299028]

>>56297918
> 1:35
damn the cop could have laid

[Anonymous No.56299316]

>>56297792
You must be joking. I'm OP's age, my wife is four years years younger, and we had our first child a few months back. He is locked to her by the tit almost 24/7, she sleeps in 3 hour intervals, and I often have to sleep on the couch to avoid being woken up in the middle of the night, as I need to work, and she cannot do anything but part time remote stuff for at least 9 more months. Money became tighter than ever, and I will probably have to ditch my adjunct position and my tutoring gigs, so I can return to being a code monkey, because - even though I fucking hate it and went to grad school so I could change career paths - it's far more lucrative. Actually getting settled takes years, unless you inherit a bunch of money, which we won't be doing for around another decade. It introduces extreme challenges to your life that must be dealt with on a daily basis, and the initial stage is a prolonged endurance contest.

[Anonymous No.56299368]

>>56297696
Gotta love that twilight period where she's already decided that she has broken up with you but she hasn't told you yet and still lets you fuck her. By the way, if she decides that she wants to ruin your life, she'll tell everyone that you were raping her then.

[Anonymous No.56299414]

>>56299368
in my case i knew the exact moment it was over. She wouldnt let me play with her asshole anymore

[Anonymous No.56299663]

>>56299316
Well what they said is true for you. You aren't comfortably expecting a second child. You are struggling with one.

[Anonymous No.56299716]

>>56297672
you look pretty young for 38

[Anonymous No.56299801]

>>56299316
AHAHAHAHAAH BREEDER GET FUCKED CANT WAIT TILL SHE LEAVES YOU

[Anonymous No.56299878]

>>56299801
>>AHAHAHAHAAH BREEDER GET FUCKED CANT WAIT TILL SHE LEAVES YOU

[Anonymous No.56300360]

>>56297792
/pol/ is down the hall and to the left

[Anonymous No.56300424]

>>56300360
hes not wrong. it makes things much harder. you will not be there to keep your kids from fucking up in the important parts of their lives

[Anonymous No.56300457]

>>56297672
Do it. There's no shame in staying or moving back in with your folks to save money right now. Ignore the wannabe life coaches telling you >>56297792 or something similar.
I'm in the same boat for different reasons. I got my dream job (digital media) a decade ago and it's gone to shit due to the WEF nonsense. Everything was fine until around 2015. That's when the social networks and ad platforms started throttling and demonetizing content. It's been a shitshow ever since.

[Anonymous No.56300479]

>>56297893
his pic is from body cam footage of police questioning a child predator who 20 minutes earlier was attempting to diddle a little girl at walmart.
the child predator then runs from the police and is quickly apprehended.
basically OP is communicating he's a child predator and his life is over because his 'gf' was a minor and their 'relationship' will likely come to the 'gf's parent's attention and he will hopefully go to jail.

[Anonymous No.56300481]

>>56300424
>you will not be there to keep your kids from fucking up in the important parts of their lives
Says who? Where's this belief coming from?

[Anonymous No.56300496]

>>56297803
>entry level job
>57k
Fuck me, burgers really do live a different life

[Anonymous No.56300531]

>>56297870
This.
>>56297672
Nothing wrong with living with your parents. They're getting to the age they could probably use your help anyway and look at all the money you'd save. Also, if you move back home and help them, you'll undoubtedly be their favorite and inherit most of the estate.And you also got rid of a whore. It's win/win/win.

[Anonymous No.56300563]

>>56297870
they 'became distant the last few months' because he's a pedophile.
as in, he stopped being attracted to her because she's slightly older.

[Anonymous No.56300591]

>>56300481
you're line of questioning is retarded and doesnt deserve an answer. if you cant figure out why then thats on you

[Anonymous No.56300613]

>>56300481
your line of questioning is retarded and doesnt deserve an answer. if you cant figure out why then thats on you

[Anonymous No.56300634]

>>56297672
Put out an ad for a roommate ya dingus. Be very specific in what youre looking for. If youre a night owl specify. If its lights out at 930 no matter what say that. Parties? Shared fridge? How often do you have friends over? Etc.

[Anonymous No.56300638]

>>56297672
I moved in with my parents this year at 29. Fuck paying landlords the bullshit rents they’re charging now.

[Anonymous No.56300653]

>>56300496
It’s not an apples to apples comparison between international income statements

[Anonymous No.56300667]

>>56297672
Anybody else instantly think "Axon Body Spray" everytime they see "AXON BODY?"

or is it just me?

[Elfank No.56300674]

No competition for Cogwise in the AI sector, leading the AI integration into the blockchain.

[Anonymous No.56300688]

>>56297803
Entry level job at 38… how did you let you do this to yourself OP.

[Anonymous No.56300710]

>>56300638
alternatively, book an air bnb in a state with favorable/lenient squatting laws.
never leave.
then ask the owner for a 'buyout'.

[Anonymous No.56300719]

>>56300613
>>56300591
If you can't name names, that tells me you're either young and/or dumb.

[Anonymous No.56300722]

>>56300688
I feel targeted by this post.

[Anonymous No.56300771]

>>56297672
Dude i've been surviving off duck race derby and its broken race gambling system (literally cheapest way to make money) and almost never leaving my room except for washing my clothes, bathing and buying groceries. I get it, you're depressed. I hope you can get better

[Anonymous No.56300773]

>>56299414
>she didn't play with your asshole
YWNEATO (you will never experience a true organism)

[Anonymous No.56301164]

>>56300496

It's an analyst position

>>56300688
Funny enough, I met her when I was working manual labor.

[Anonymous No.56301208]

>>56297687
>>56297692
>36
>live with parents
>never had a gf
Is it too late for me or is 38 the cutoff

[Anonymous No.56301236]

>>56301208
Its okay anon. Just make sure you have something going for you that women will find attractive. Work on your personality first then your fitness. Then try to buy a place of your own. Living with your mom past the age of 28 is absolutely disgusting in the eyes of women

[Anonymous No.56301261]

>>56297672
move back in. save and hit the gym hard.

[Anonymous No.56301273]

>>56301208
if your not larping time to visit south America and find yourself a good catholic woman

[Anonymous No.56301446]

>>56297792
This isn't the middle ages anymore, why the hurry? It's not like your sperm is gonna dry anytime soon. Get money, get a house, don't a be a nigger who breeds children like rabbits. Funny thing you're probably a GFless virgin like the rest of us

[Anonymous No.56301508]

>>56301446
This. You will unironically be happier if you wait a bit longer to have kids. At least wait until you are financially stable so your kids are not growing up as poorfag slaves with retard parents who breed to early like horny retards. People are so immature at 25 still. Its scary

[Anonymous No.56302362]

>>56300719
think what you want. I just dont find it very interesting to get into a debate with someone who has onesided discussions and only criticizes instead of adding value.

[Anonymous No.56302513]

>>56297672
sucks to be a loser, god damn im not even 30 and I make 225k base.

[Anonymous No.56302526]

>>56297672
It's never too late to change your life anon. Consider delving into crypto; it might provide you with financial opportunities. This could be the perfect time to buy during market dips. I hold assets like Kava, Dua, Reef, and ETH, but remember, what works for me may not work for you. Always conduct your own research.

[Anonymous No.56302530]

>>56302513
>A year?

[Anonymous No.56302540]

>>56299316
Did you buy everything brand new? lmfao you will save a fortune buying second hand and guess what? babies grow so fast that they're barely in the clothes anyway so its like getting new. Then when they grow out of it you can resell them. Stop buying brand new, hit up faceberg marketplace.

[Anonymous No.56302555]

If you are approaching 40 with a near negative networth, its beyond over

[Anonymous No.56302622]

>>56302513
let me guess you also WFH and spend most of your time playing vidya and browsing 4chan

[Anonymous No.56302659]

>>56302526
>Consider delving into crypto
I tried the same and it's working for me. Been accumulating XRP GODS and RIDE and they are all promising projects in the crypto space.

[Anonymous No.56302814]

>>56302555

>Buy a house in your 30s
>Won't have positive equity until your 40s

[Anonymous No.56302845]

>>56300496
that's before taxes
don't euros list their salary post-tax?

[Anonymous No.56303035]

>>56297821
You gotta do what you gotta do m8. Do that and try your damnest to get a job that pays more even if it’s back breaking labor.

[Anonymous No.56303057]

>>56297672
>Rent is $2000
The fuck
Why don't you live within your means? Asking seriously. Not boomer posting. Why do people have crazy high outlays that they can't afford when something unforeseen happens?
Why you like this, millennial cunts?

[Anonymous No.56303107]

>>56303057
I lived with my GF and we split the rent

[Anonymous No.56303253]

>>56297672
The reason people are able to have a big retirement portfolio in their 60s is because they started building it in their 20s and massively adding to it in their 30s and having compound interest over decades. If you have no savings or retirement portfolio by 40. Also social security wont be there when you are ready to retire because there's no way that ponzi scheme is gonna make it another 3 decades.

Yeah you're pretty fucked dude. You should've turned your life around a decade ago.

At this point you should just make peace with the fact that you're fucked and make the best of your 40s, max out your debt, fuck hookers, take hardcore drugs, then anhero at 50.

[Anonymous No.56303261]

>>56303107
Doesn't answer the question. Why not live frugal until you can afford $2000 places? Guess you'll learn the midwit way.

[Anonymous No.56303281]

>>56303261
>Why not live frugal until you can afford $2000 places? Guess you'll learn the midwit way.

We just broke a month ago and I still have a lease which I'm gonna break. I have until the end of October. Most of the apartments in my area that are safe and aren't completely run down are close to $2000

[Anonymous No.56303317]

>>56297918
kek hilarious video actually. Good work blue team, I hope that disgusting bastard gets the full 60 years

[Anonymous No.56303361]

>>56303281
>apartments in my area that are safe and aren't completely run down are close to $2000
Move to a cheaper area then. Why are modern "people" this stupid. It's like I'm actually in Idiocracy. I feel like Not Sure.

[Anonymous No.56303378]

LARP thread
>b-but its realistic
doesnt matter, still LARP. Get a hobby OP

[Anonymous No.56303379]

>>56302530
yes
>>56302622
I don't wfh, I do /trv/ and coom alot in indonesia/jp/philippines, etc. travel often, cause tickets are so cheap - even biz class.

honestly it's pretty sad coming here - I just pop up every now and again in october because thanks to /biz/ I was early on bitcoin, early on ICO's and avoided getting fucked by charlie lee and litecoin cause of /biz/ dilligence and I gave back quite a bit too -
basically this isn't an impossible life, arbitrage and remote work but it does get lonely as sense of community is dim and "networking" with other sexpats suck - I have my fun building mini businesses that generate fun revenue, so that I'm paid literally by remote work and small enterprise in a few countries.
>all fake, etc etc
idc, old /biz/ was about schemeing ways to be successful not a misery party about being 38 and a fucking loser.

[Anonymous No.56303390]

>>56297672
$57k? What do you do?
>>56297687
>living with family is bad because .. it just is ok?!

[Anonymous No.56303931]

>>56297672
100% live with your parents if you can. Having a family to fall back on is the only thing that's kept many, many americans from being homeless and living in their car.

[Anonymous No.56303954]

>>56297687
Im sorry Mr. Goldberg, Ill have your rent payment by the end of week mi lord

[Anonymous No.56303961]

>>56297672
If you have good relationship with your parents and do not want to rush into new relationship then sure go for it.. People who say otherwise are morons. I fucked up when i was 28 and moved with my parents for 4 years and it was very happy years for me.

[Anonymous No.56304110]

>>56301273
based

[Anonymous No.56304121]

>>56300773
how does one get an organism?

[Anonymous No.56304123]

>>56304110
Que feo

[Anonymous No.56304126]

>>56301261
>hit the gym hard
All the gymcels I know are depressed when they aren't lifting. It just seems like coping with clown world via vanity, rather than the usual Reddit soiboi hedonism means. It's a good healthy distraction, but won't solve your problems long-term.

[Anonymous No.56304143]

>>56303379
what happened with charlie lee back then?

[Anonymous No.56304144]

>>56303379
Stop larping and get the fuck off this board faggot

[Anonymous No.56304190]

>>56303931
>100% live with your parents if you can

I'll have until the end of October to decide but right now it's really my choice

[Anonymous No.56304382]

>>56304126
>the usual Reddit soiboi hedonism means. I

What hedonism do reddit soibois even do? They aren't fucking women

[Anonymous No.56304392]

>>56297687
If he's in the US, yes.
If he's European, maybe not

[Anonymous No.56304403]

>>56297687
Tradcuck natalist faggot spotted.

Enjoy your divorce from your roastie wife and estrangement from your kids who undoubtedly hate you.

[Anonymous No.56304448]

>>56304126
>but won't solve your problems long-term.

Good thing you shared the solution to these problems instead of being an obtuse faggot.

[Anonymous No.56304472]

>>56304126
You have a better chance of having depression when your a fat and weak out of shape slob.

[Anonymous No.56304498]

>>56297672
Living with parents in western countries is going to be the norm in the future unless the housing hyperinflation problem solves itself (which it probably won't because everyone in government is a fucking moron).

LARPing mortgagecucks might try to convince you otherwise but you're better off not going into debrt to buy a house and you're definitely better off not paying rent to some Jewish parasite.

There's quite literally nothing left in society for most men these days. We need to stop coping and just leave the system to allow it to collapse.

[Anonymous No.56304515]

>>56304448
>>56304472

Lifting is a bandaid when you're feeling down since it makes you feel better, but it's not a long term solution. You still need to improve other aspects of your life

[. No.56304537]

>>56301273
Good advice. Argentineans are hot and white enough

[Anonymous No.56304563]

>>56304515
Self-improvement is only valuable if it gets you the outcome you want. If you can't realistically achieve whatever goal you've set then you're just wasting your time.

[Anonymous No.56304623]

>>56297672
Sorry dude. Your life sounds like it blows. However, this is likely your peak. If you only make 57k with no assets at 38, you aren't going to be able to pick up a younger woman for long term regardless of anything else you have going for you. This basically assures you that you will be the end of your genetic line. All those happy families with young kids you see around you at your age? That life is not going to happen for you. It's over.

That said you can find a modicum of happiness by perhaps throwing yourself into a hobby or expanding your social circle. But you are now too far behind the starting gun my dude. Best of luck. I'm off to go fuck my wife's plump ass when she gets off her work call.

[Anonymous No.56304655]

>>56304623
>I'm off to go fuck my wife's plump ass when she gets off her work call.

Pics or it didn't happen.

[Anonymous No.56304667]

>>56304655
No.

[Anonymous No.56304691]

>>56297918
Really thought he was gonna get away there.

[Anonymous No.56304697]

>>56304121
By using the asshole for sex.

[Anonymous No.56304726]

>>56297672
That's what I would do, just suck it up and come up with a solid 2 year plan to get your shit together. This means improving your skills/certifications so you can make much more money, I dont want to shit on you but life becomes pretty simple when you make 3x what you do. Good luck, don't be a bitch. If you dont already work out and lift weights, start now. There is no difference between the mind and body, they are different parts of the same organism (You) and working on both will give you power levels you've never dreamed of, assuming you're a lazy fuck like most people.

[Anonymous No.56304762]

>>56297672
>my GF just left me
smarter than (you)

[Anonymous No.56305026]

>>56304623
>All those happy families with young kids you see around you at your age?
Pics or it didn't happen

[Anonymous No.56305204]

>>56304144
okay renter, lol

[Anonymous No.56305214]

>>56304143
lol if you don't know, you don't know, god damn buncha new kids on the block - this /biz/ is shit, and 4chan being 20 is a sick joke.

I got mine so I'm good, but this place is a shell of itself.

[Anonymous No.56305253]

>>56297692
>>56297792
I'm just getting started, at 53! Never been easier. I look a little different but I still have some fight in me.

[Anonymous No.56305272]

>>56304515
Go ahead and mutter up some advice of your own princess.

[Anonymous No.56305289]

>>56305214
I was trading litecoin back then you stupid fucking faggot, but wasn't following biz threads. Just fuck off if you're going to be a dick.

[Anonymous No.56305304]

>>56301236
Depends. Peter Steele lived in his moms basement for most of his life and by all accounts he was a literal hyper chad. If you’re doing nothing but huffing doritos and Mountain Dew playing vidya though then you’re SOL.

[Anonymous No.56305315]

>>56297915
this has some weight to it if your parents are worth your time that is

[Anonymous No.56305370]

>>56297672
Why not move somewhere where rent isn't 2k a month? At 54k you should be getting about 2300 a month. Take your living expenses down to about $1000. That means find a roommate. It sucks but your broke.

[Anonymous No.56305388]

>>56305289
that means if you really don't know, you're a faggot, like subprime level intelligence here. the whole fisaco of charlie lee directly affected the price, etc etc fucking unbelievable

lol

[Anonymous No.56305445]

>>56305388
because he sold? Is that it you moron? That's the ancient biz knowledge you want to keep secret from not that long ago? Wow you're such a cool oldfag dabbing on anons. Good job.

[Anonymous No.56305847]

>>56297792
yes, good goy, more livestock for my farm!

[Anonymous No.56305857]

>>56302513
get a load of this poorfaggot. I make $325k base at 20

[Anonymous No.56305978]

>>56297792
Haha I remember when I was 16 amd thought it was all so simple

[Anonymous No.56305995]

>>56304126
I've quitted gym thanks to the cough mania in 2021. Never regretted it. I was 34 yo. at the time, I didn't realize how pathetic of me to wander around a place full of retard teenagers and cardio bunnies which I couldn't even watch less I was accused of rape. I hated the gym, hated the music, the chads in the reception, everything. I train at home now. Thanks for reading my blog I guess

[Anonymous No.56306007]

>>56305315
>this has some weight to it if your parents are worth your time that is

I am close with my parents despite leaving at 18

>>56305370
>Why not move somewhere where rent isn't 2k a month? At 54k you should be getting about 2300 a month. Take your living expenses down to about $1000. That means find a roommate. It sucks but your broke.

I live here cause it's close to my job and my then gf split the rent

>>56304726
>That's what I would do, just suck it up and come up with a solid 2 year plan to get your shit together. This means improving your skills/certifications so you can make much more money, I dont want to shit on you but life becomes pretty simple when you make 3x what you do.

That's what I've been doing. I'm an entry level analyst

[Anonymous No.56306008]

>>56297672
no one cares nigger, half this board lives with their parents and is not even employed, you really think they care about your bullshit?

[Anonymous No.56306013]

If I do move back in with my parents I do plan on getting a second job to pass the time

[Anonymous No.56306087]

>>56297792
>25
>2nd child

If you don't have an 8 year old son by the time you're 30 with a 5 year old younger sister and a 2 year old young brother, living in a 3800 sqm house in Colorado Springs or Austin with at least 3 cars in the driveway, a dog and a big yard with a small vineyard you're fucking done for life and should just fucking kill yourself at that point

[Anonymous No.56306123]

>>56305445
Congrats on 6yr old knowledge faggot etc etc now maybe you can crack the case of the Covid and 9/11 while you’re at it.

[Anonymous No.56306375]

>>56297672
>working like crazy for 3-4 years to try to make enough for a decent down payment
That's why you're poor brother. I did the same at 20 except put my money into crypto in an effort to actually make it. Had I put that $30k saved into some gay down payment I'd be barely ahead. Instead I lived and breathed crypto and found solid investments to turn that into mid 6 figs. Upgrade your mentality to upgrade your life.

[Anonymous No.56306570]

>>56306375

The days of crypto making incels millionaires is over. It's being taken by corporations now

[Anonymous No.56306611]

>>56306570
I literally made $15k in the past 2-3 months surfing biz for alpha. Keep thinking its over and I'll keep making money when opportunities arise on this spam factory. When gems like DKP get posted its so painfully obvious all it takes is patience and persistence. And no I'm not saying buy it since its mooned its dick off already but mentioning so you know I'm serious.

[Anonymous No.56307995]

>>56306611
No you didn't, Panjeet

[Anonymous No.56308032]

>>56297687
Thank goodness I'm Asian lmao. I'm not some white wage cuck that got kicked out of house at 18. I get to save and enjoy my own money for myself and future while paying no rent and getting free food. How's your foodstamps doing?


>>56301208
It's fine, my aunt never left her and my dad's family home and even her husband lives there helping around and maintaining it and they're in their 50's now. Don't let being a western cuck tell you families are bad.