/biz/ - Business & Finance

[Anonymous No.56339924]

How do you cope with the slow grind of life?

I’m in my early 30s now and hitting financial goals was a huge part of my life. Now my account swings more in a day then I can deposit in a month. Not enough to quit or do anything substantial but enough where adding more seems like pissing into a pool. I keep waking up feeling like a hamster on a wheel, I want more life.

[Anonymous No.56339944]

Find something you enjoy grinding at, set lofty goals, and then grind at it

[Anonymous No.56340202]

Things were really bad for me a few years, now I've bounced back so hard that I want to see what else I can do and go from here.

[Anonymous No.56340365]

I relate to this so hard. 29 here and at this point I have accumulated and invested so much to the point where a 1-2% swing in my portfolio is more than I make in a month after taxes and it feels like no matter how much I make/save/invest it doesn't move the needle at compared to the daily/weekly market swings. Feels like things are completely out of my hands at this point. I remember back in my early/mid 20s when I was excited about hitting new financial milestones every $10k then every $25k then every $50k. Now I only consider every $100k a new milestone but that can take literally 6 months to hit a new one sometimes and everything just feels so slow. But at the same time I still don't have enough to stop working entirely or live like a richfag yet. I still have to work another 10-20 years for that.

[Anonymous No.56340389]

>>56339924
>>56340365
you guys can add 6-8% of your portfolio a year and you think that's pissing into a pool?

[Anonymous No.56341561]

>>56340389
Yes, my portfolio is pretty small and it still feels like that. I went from 25k in debt to debt free to 10k cash to 100k+ net worth and now what’s next? 200k? My life isn’t different, I still have to work and still don’t have enough to do the stuff I want. 300k? Years away and still not enough to break the chain of labor.

I don’t like what I do and I think I need to change it, I just can’t think of a way that prevents me from going backwards

[Anonymous No.56342246]

>>56340365
>>56339924
Im new to this feeling. Started making alot of money, saving like crazy. 10k to 30k, then 50k, oh man got to get to 100k. What's the point though I started realizing, this money isn't enough to change anything. Cant quit work like you said and buying anything just means I'll have less money and start over again. Sort of did that. Price on cars came down, I got a gently used one. Got a new pc, house repairs and paid down some debt. Spent ~50k. Now im saving up again for the next purchase. Investing mostly like not going to make me life changing money. But it could so I stay in the game.

[Anonymous No.56342305]

>>56340365
>1-2% swing in my portfolio is more than I make in a month after taxes
so how can you complain, you could literally stop working and live from this alone contrary to what you just said... how did you get so rich at 29?

[Anonymous No.56342394]

>>56339924
realize tha your parents generation took it all and left you with nothing

[Anonymous No.56342447]

>>56342305
Not really. If I can only spend $20k/year and live like a NEET or brokie, then yeah I could probably quit now but then what's the point? Eat rice and beans for 30 years until my money runs out and then die having done nothing besides sit around?

I'm not that rich. Anyone who started working out of college at ~22 with a decent salary and lived below their means and saved and invested properly should have at bare minimum $500k portfolio accumulated by 30. That's just like the basic standard starting out point for generating real wealth.

[Anonymous No.56342554]

>>56339924
>>56340365

Just turned 31 and I can relate.

I'm adding about $20k per month to my savings and investment accounts, total net worth is somewhere around $700k. I could quit and chill for a while and live off passive income, but it's not enough to stop working for any substantial period of time. Annually I'm increasing my savings by about 35% though, so I try to keep it in mind even if the weeks/months are long.

It's nice to be comfy but I feel like I need several million to actually retire. And that seems very far off even if I'm putting away upwards of $240k/year.

[Anonymous No.56342583]

>>56341561
my sister in law said that in Thailand they can eat noodles and sushi out of hookers vagina´s. i guess i could crawl there to die with 100.000k

[Anonymous No.56342627]

I just sort of shut off a few years back. I then started focusing on improving in /fit/ness, /biz/ness, and learning survival skills. Learning new skills, ignoring people, and constantly struggling for greatness—even if I never achieve it, is worth an attempt.

[Anonymous No.56343073]

>>56342447
>Anyone who started working out of college at ~22 with a decent salary
this where you lost me, im 37 and we graduated college in 2008-2012. Graduate with no work experience in field and economy collapses. Spend next 5 years working in retail/restaurants or low level entry jobs that at least give exp in field. ~2018-2023 roughly 5 years of saving 20k a year gives you 100k. I personally saved 100k in a year to catch up from not really saving the in the past 5. Also doubled my salary. My point is I and Im sure others only started making decent money in the past 5 years as they hit early to mid 30s. Maybe late 20s if your lucky and born in 90s. Only others that did well had well to do parents and connections. They were going to do well regardless.

[Anonymous No.56343129]

>>56343073
Imagine starting your career at the very bottom of
a huge market crash/beginning of a 15 year long insane golden bull market and whining like a little bitch about it. Grow up dude. If you didn't come out of the free money printing era of 2008-2023 without a minimum $2-3M stack you don't even deserve to speak to me.

[Anonymous No.56343534]

Vidya helps me cope, specially if it's online shit so I can get good and show off on other faggots. Blocklords has been a godsend these past few weeks.

Also you sound like you are doing good but not as good as you want so lower your expectations and settle for less. Keep pissing into that pool and one day it'll pay off. Throw your piss into some defi staking platform or something else that can net you interests.

[Anonymous No.56343562]

>>56339924
For me? I just want to have enough money so I can retire and not work a single day in my entire life. It's that simple.

[Anonymous No.56343563]

>>56339924
>>56342246
>i realize im in a rat's maze
>i will continue to chase the cheese in said maze instead of doing anything about it
>new car? check
>retarded repairs for my retarded house? check
>new pc? check
>iphone x 9 edition cumfuck made by vietnamese kids? check
>oh no i gotta save again :/
fucking troglodytes hope you die of a heart attack before you can even retire.

[Anonymous No.56343566]

>>56343534
Also drawing porn. It's been fun. Commission money is good too if you draw feet.

[Anonymous No.56343575]

>>56342627
ignoring people as in not letting things they say get to your head or something? having friends is one of the very, very few things in this fucking world that makes life worth a shit.

[Anonymous No.56343579]

>>56339924
Do you have any hobbies you could do? you don't really need 9 figs to start living life to its fullest honestly.

[Anonymous No.56343590]

>>56343534
You know these kinds of grinding games are weirdly relaxing for some reason. Don't really know why though

[Anonymous No.56343594]

>>56343575
pretty sure it's the former although I wouldn't be 100% sure given the fact that 4chan as a whole is filled with jaded autistic retards

[Anonymous No.56343617]

>>56342554
Damn, wtf do you do?

[Anonymous No.56343731]

>>56343534
>why not settle for less you fucking goy cattle slave?

[Anonymous No.56343866]

>>56342447
Have some perspective.
Living like a NEET is $5k a year. You get to spend 4x that.
Entertainment is free. All the good games have been made. All the good books have been written, and all the good movies have been shot.

[Anonymous No.56343931]

if you rich losers are tired of living because you've done it all, give your money to me so i can x100 it and live my birthrite of being a full time NEET

is there anything more annoying than a "money isn't everything" rich cliche faggot

[Anonymous No.56344138]

Why are you guys so lame and uncreative? If I was rich I'd be in rural Japan looking at temples and shit or going to crazy restaurants/parties in Dubai fucking a new insta thot every day.

Niggas become rich and spend their time on fucking 4chan and video games. Spend your fucking money you spergs thats what it's for

[Anonymous No.56344956]

>>56343129
>If you didn't come out of the free money printing era of 2008-2023 without a minimum $2-3M stack

Not like you did either. You got out of college and started making 60-80k. That's 500k right there in just wages after tax or 360k minus expenses. You must be larping because these numbers are too perfect. Starting with 10k adding 50k every year with the avg return of 10.5% over last 7 years is 501k. You are saying you have made basic bitch market returns. No wonder you are complaining about how slow your money grows. Why you dont have 2-3M stack from last bull run is shocking. You had 500k you could have easily 10x but you stuck to your 10.5% returns. Keep saving, don't buy anything and never invest in something you aren't comfortable with.

[Anonymous No.56344972]

Welcome to 6 figure hell

[Anonymous No.56345075]

>>56343931
you wouldn't get it

[Anonymous No.56345195]

>>56344138
We’re rich because we spend our time on 4chan, which is free

[Anonymous No.56345207]

>>56344138
this post is a mess, apply yourself next time