/biz/ - Business & Finance

[Anonymous No.57044877]

>fell for the meme and owe 36k on a new car
>owe 5k to hospital emergency room visit
>owe 17K in credit card debt
>wife left, took the kids
>income is 4K/mo Net
>half goes to wife
>moved back in with parents

How do I improve my situation

[Anonymous No.57044972]

Age? BMI? It’s not looking good man, sex work is your only way out. I hope a prolapse wasn’t the reason for that hospital bill.

[Anonymous No.57044981]

>he fell for the normie meme

hope your kids cant sleep at night listening to your exwife getting stretched with some serious bbc.

[Anonymous No.57044990]

>>57044972
>>57044981
You retards are mean

[Anonymous No.57045040]

>>57044877
sell your car and buy a cheap used vehicle. pay off debt in a year with all you'll save living rent free. a retard can figure that out dumbass.

[Anonymous No.57045147]

>>57044990
Dude clearly played himself.

[Anonymous No.57045192]

>>57044990
this >>57045147. I've no sympathy for marriage cucks. Bet this debt ridden moron didnt even get a prenup.

[Anonymous No.57045211]

>>57045040
This made me think of Dave Ramsey, that's unironically the kind of advice you need OP. You have a hell of a ways to go before your life gets any easier. Spend your next two years earning as much as possible and spending as little as you can, and you'll be free.

[Anonymous No.57045754]

>>57045040
no no, I said improve, not downgrade.

[Anonymous No.57045762]

Be me ape shitcoins be up enough to pay all of OP debt twice.

GAMBLE MORE OP!!!

[Anonymous No.57045883]

>>57044877
Get rekt, normgroid.

[Anonymous No.57046000]

>>57044981
BG3 fags post about BBC. Checks out. Ps frog has as much personality as scratch, and its still more than shart.

[Anonymous No.57046012]

>>57044972
>>57044981
>be me
>whatever nothings changed but maybe ill check biz for..who knows why
>1st post prolapse
>2nd post bbc posting spic
ah yes this is why I don't bother. before I leave fathom his wife's literal bowel movement smells.

[Anonymous No.57046016]

>>57046000
Bae'zel deserves my massive human dong

[Anonymous No.57046029]

>>57044877
Start copytrading stat, you don't want to get caught in the massive shitfest that is crypto right now. Grab onto a whale (find a good wallet using dexscreener, one that has a good profit margin) and dont let go until you're recovered. They all invest in low ROI gems so you'll be able to afford most of the tokens

[Anonymous No.57046077]

>>57046029
how do you find wallets on dexscreener?

[Anonymous No.57046247]

>>57044877
>>fell for the meme and owe 36k on a new car

[Anonymous No.57047004]

goddamn poor people are retarded. How are you making $4k/mo? I'm at $16/mo with no gay baggage.

[Anonymous No.57047022]

>it's another indebted divorcee with no life savings and currently in a custody battle thread
What's your next iteration going to be, OP?

[Anonymous No.57047035]

>>57047004
>bragging about 16 dollars a month

[Anonymous No.57047043]

>>57044877
I am sorry anon, that really sucks. I don't really know how to help other try and snowball and pay off the highest interest loan first. Best of luck to you.

[Anonymous No.57047059]

>>57047004
So you make $3,984 less than him and you think you’re better?

[Anonymous No.57047086]

>>57044877
LARP
at worst it’s 20% of your net income goes to child support unless you have like six kids

[Anonymous No.57047269]

>>57044877
Why did your wife leave you ?

[Anonymous No.57047303]

Car
>sell it and buy a cheaper one

Credit card
>cut it up and call your creditor to negotiate a payment plan that doesn't increase fees/interest

Income
>upskill
>better job
>work more hours

[Anonymous No.57048202]

>>57044877

nobody with a wife and kids posts here, in reality you are indian and ate roadkill this morning before making this post at the internet cafe where you live inside the walls

[Anonymous No.57048262]

>>57044981
>implying the kids aren't also getting stretched

[Anonymous No.57048286]

>>57048262
pedo

[Anonymous No.57048324]

>>57048286
that's just the single mom reality. mom gets fucked up on opiates while the dealer and his buddies fuck the kids. eventually they'll get taken and made into rentals at hourly motels up and down the interstate. It's a cruel life but ain't that america

[Anonymous No.57048334]

>>57048324
pretty sure most pedos are not cool enough to be drug dealers.

[Anonymous No.57048343]

>>57048334
>BG3 avatarfag tranny thinks drug dealers are cool
go outside

[Anonymous No.57048358]

>>57048343
on the coolness scale drug dealers are definitely beating pedos since that's not particularly hard to do. the actual hardcore pedos are into human trafficking and that sort of shit.

[Anonymous No.57048399]

>>57044877
Faggot doesn't know how to get in with airdrop farming talk-less of aping into the DUA community. I can't owe anybody just like that.

[Anonymous No.57048402]

>>57048358
drug dealers and human traffickers work for the same people. ultimately it's logistics, moving product around, finding buyers, etc. so there's more opportunity for profit if you use your capabilities to diversify your product line. also, a lot of drug smugglers use the women and kids they move across the border as drug mules, then sell em off to pervs

[Anonymous No.57048512]

>>57044877
>life ruined because you took /biz/ advice
>come back and ask for more advices
you're just fucking retarded, this is natural selection

[Anonymous No.57048517]

>>57048402
Where do you go about finding people to buy? I’ve heard it’s a larger market than drugs, but no one has tried to sell me a person yet..

[Anonymous No.57048531]

>>57045754
Damn dude, you are dumb as shit. In that case, get more credit and buy more stuff.

[Anonymous No.57048643]

>>57044877
>>fell for the meme
anon. you ARE a meme.

>How do I improve my situation
you dont. you got got

[Anonymous No.57048883]

>>57044877
Starting off this hour of the Ramsey Show we have Anon in Lexington, Kentucky! Hey Anon, what's up?
>Hey Dave, how are you doing?
Better than I deserve, how can I help?
>uhm, I'm pretty far in debt and a lot of it is uhmm
On what?
>well, uhhh, it's a few different things... mostly a car, that's 36k. I've got about 17k in credit card debt, and 5k in medical bills-
What's the car worth?
>uhh yeah I'm actually upside down, if I sold it today I could probably get 30k, Kelley Blue Book value is 32k but y'know, the market here ain't great and-
What's your income?
>I make 60k/year.
Right. Not great, not terrible, but obviously we've got other issues aside from the income here haven't we? I mean you make too much to be this broke!
>Right
So what I want you to do now is sell this dadgum car because it's putting your finances in the ground, man. You need to get yourself a BEATER, YESTERDAY.
Then step two, we need to figure out a way to get that income up, now you're making 60k and that isn't awful but you're just not gonna make enough to pay all of this off in a year. You need to be waiting tables, driving Ubers, delivering pizzas, ANYTHING you can do to make some extra money on the side. What are you doing for work?
>uhmm, I'm uhhh, in insurance
You work in insurance and only make 60k?
>yeah but I'm supposed to be getting promot-
That doesn't matter, you're only earning 60k NOW, not 120k like you should be, go out and get a better dadgum job man. I want you working three jobs, selling so much stuff the kids think they're next, and the only time you'll ever see the inside of a restaurant is if you're WORKING THERE. Thanks for the call Anon, we hope you make it and we want to see you WIN.

[Anonymous No.57049215]

Just run away from everything, lose everything so that they can’t take anything from you anymore. Be free

[Anonymous No.57049821]

>>57044877
>>57045754
You need to struggle a bit to improve.
Get rid of rent and live in the car, sell it and buy a van.
Pay almost all the check to debt, only buy fuel and food.