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/biz/ - Business & Finance

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7679510 No.7679510 [Reply] [Original]

>Student Loads
>Credit Card Debt
>Money you owe people you know
>Hourly Wage
Don't include Mortgages unless you are late on your payments.

>> No.7679550

>>7679510
>0
>0
>0
>0
>also 0
Neet reporting in.

>> No.7679560

>>7679510
None not including mortgage. Unless buying things with a credit card that I pay off every month immediately counts. For cars I only ever buy shitboxes I can afford with cash.

>> No.7679595

>>7679510

None. Got a PhD debt free. Canada rules.

>> No.7679625

>>7679510
ZERO.

... and I even lost $600K in a settlement last year.

>> No.7679642

>>7679560
>Unless buying things with a credit card that I pay off every month immediately counts
it doesnt.

>> No.7679651

>>7679510
>30k + interest
>0
>0
>0
Hourly wages are for wagecuck peasants. Never gonna slave my body away for some jew

>> No.7679655

>>7679510
>0
>0
>0
>$22

t. web developer

>> No.7679659

>>7679510
I am going all long on debt.
>>7679560
Wow. Aren't you responsible?

>> No.7679680

>>7679659
Mostly I just hate Jews.

>> No.7679698

>>7679560
>Buying stuff to get good goyim points
Why are burgers so disgusting?

>> No.7679709

I have 25k in student loans, which is one of the reasons I'm in crypto at all since I'm trying to pay them off quickly.

>> No.7679715

>>7679510
>Student Loads
$0
>Credit Card Debt
$0, balances paid in full every month
>Money you owe people you know
$0
>Hourly Wage
$25 :(

>> No.7679760

>>7679510
>Student Loads
€0
>Credit Card Debt
€0
>Money you owe people you know
€0
>Hourly Wage
€75

>> No.7679768
File: 14 KB, 320x320, 1506052103141.jpg [View same] [iqdb] [saucenao] [google]
7679768

>>7679655
I made 21$ (26 CAD) when I was in high school sort yourself out

>> No.7679774

>>7679698
You must really hate free money

>> No.7679800

>>7679760
>>Hourly Wage
>€75
what job

>> No.7679814

>>7679510
>26,000$ remaining
>3,500$ cc cut up a year ago
>0$ - I have no friends, no family
>9.32$ an hour as pharmacy tech
I kind of want to die, but starving has given me a chad bod and I've boned about 30 chicks in the past year

>>7679595
Leaf
>>7679550
Larping faggot
>>7679560
Good job, wish I could afford a house debt after not eating for a year to drop a down payment
>actually considering eating out of the garbage to do this

>> No.7679816

>>7679510
Between me and my wife
Student loans
>45k
Credit cards
>9k
Vehicles
>truck worth 15k and owe 11k
>jeep worth 25k owe 20k
And finally we owe 4k on a new set of boobs.
I have 12.5k in crypto , and 6k saved and then another 5k ish on my ira Hopefully it’ll be enough EOY to pay off the debt and put down on a house.

>> No.7679825
File: 35 KB, 500x375, 40167535-1145-4371-8114-B07FF3D86A0C.jpg [View same] [iqdb] [saucenao] [google]
7679825

>26k
>500
>0
>20

I'm never gonna make it.

>> No.7679830

>>7679680
You are losing out on available capital by keeping your credit locked up without opening accounts. If you have been paying off credit cards and on other loans for years, have modest financial freedom, and see an opportunity, I would say to risk the loan and cash out on that opportunity before the loan matures.

>> No.7679861

10k on a car
34k my wife’s and my student loans
160k in a mortgage

Assets are
8k in the bank
60k in an IRA
12k in a brokerage account
30k in crypto

Time to knock out that student loan debt and the car. Was only carrying the student loans because the interest was so low, but it’s ticking up so I should knock those out ASAP. After those are gone, it’s time to get to work on wiping out that mortgage.

>> No.7679872

> 0
t. europoor.
Currently enrolled in uni ... for free.

>> No.7679879

A ton.

I lost 14k on credit cards last year in crypto by cashing out at a loss after Halloween. I FOMOd back in and have another 20k. Bunch in student debt too.

>> No.7679898

>>7679872
if you are worth 0 dollars you are richer than the average american

>> No.7679918

>Student Loads
paid them off in full
>Credit Card Debt
none, pay off in full every month
>Money you owe people you know
none, people come to me for money
>Hourly Wage
around $100/hr if i take my salary/bonus/LTI and divide by 1942 .. (365-25)*(5/7)*8

>> No.7679929
File: 307 KB, 550x535, 1512701536670.png [View same] [iqdb] [saucenao] [google]
7679929

>>7679879
(You)'ll need this

>> No.7679935

My student loans the the loans I took out to pay my students and the loans I took to pay off those loans.

>> No.7679967

Roughly -50,000 down from a high of about 24000

>> No.7679975

>>7679816
pay off your credit cards you idiot

>> No.7679976
File: 1.47 MB, 656x368, 1514060878538.gif [View same] [iqdb] [saucenao] [google]
7679976

15ish Grand
8ish grand
0, no friends to borrow from
Jobless

O wasn't told this ride was gonna be so hard. as a kid teachers and my parents sold life as some easy thing where I could be whatever I wanted.

The only thing I want to be is DEAD
I'm fucked

>> No.7679982

>>7679510

>school
>car

actually wow isn't that bad when I type it out lol

>> No.7680027

>Student Loads
21k. Don't plan on paying it off
>Credit Card Debt
8k - credit card
21k - loan
42k - loan
>Money you owe people you know
None
>Hourly Wage
Dont work

>> No.7680058

>Student Loans
$10k graduated 1 year ago w/$15k
>CC
$3.5k, had to pay last semester of college on card due to parent dying, unable to sign for loan if dead
>Other
$20k in car
>Hourly
$37/hr

$5k savings
$8k crypto
$4k Roth ira

>> No.7680063

>>7680027
What are the loans for? You sound fucked

>> No.7680084

>>7679879
Is this a larp?

>> No.7680118

>>7679510
Like $80k from Law School. Will take my entire life to pay it off.

>> No.7680119

>>7679698
A man has to eat my dude. I don't buy the worthless junk late stage capitalism has produced. The only non-necessities I buy are related to going inna woods or firearms and occasionally some nice things for my woman.

>>7679814
The mortgage payment is far less than what I was paying in rent before I bought a house.

>> No.7680128

>school
150k
>credit card
3500
>other people
45k
>salary
85k


Fugggg fell for the lawyer meme

>> No.7680129

>>7679510
>€200
>0
>0
>€10

>> No.7680137

0
I find it hard not to judge someone that is in debt for anything except student loans and mortgage. Every other loan is a retarded life decision

>> No.7680146
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7680146

>>7679830

>> No.7680178

>0
>0
>0
>1500 EUR/month salary (armyfag)

I'm aight.

>> No.7680180

>>7679816
Let's see the boobs! To... Uhhhh... Judge the investment...

>> No.7680204

>>7680137
>Every other loan is a retarded life decision
My parents bringing me into this shithole world was their retarded life decision

>> No.7680223

0
0
0
0
2500$/month

>> No.7680233

27,000 for testing a mining spot fleet on aws and forgetting to turn it off. Made 1.7k though. 60k student loans. 4k misc debt.

>> No.7680274
File: 1.09 MB, 200x270, 1518165777931.gif [View same] [iqdb] [saucenao] [google]
7680274

>>7680146

>> No.7680286

>$426k student loans wife and me combined.
>$6kish credit card (pay off monthly usually)
>0 to other people
>$10k left on cars give or take (3 cars)
>Wife and I combined make about $225k a year

Feels bad man... Death by student loan.

>> No.7680303
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7680303

>> No.7680305

>>7679595
You can get PhDs in the US for free too as long as it isn't in something retarded.

But to answer the question 0 debt since I'm not retarded.

>> No.7680335

>>7680305
>PhDs in the US for free
Yes, as long as you are a nigger, Pajeet, or beaner

>> No.7680364

>>7679510

>Student Loads
160,000$ (after I graduate)
>Credit Card Debt
4,200
>Money you owe people you know
I owe rent for like 5 months so 3600
>Hourly Wage
0$
Full time student
Wow OP you sure made me feel like a gigantic piece of shit. Thanks.

>> No.7680379

>>7679595
Fuck off Canadian Alan, you fucking government leeching cunt.

>> No.7680382

Fucking dumb americans what is your fucking problem with writing your MONTHLY SALARY AFTER TAXES? Is it so fucking hard? Why do i have to always guess how much is 100k? 50k net? 40? 70? Fucking dumb shits

>> No.7680437

>>7680382
OP specifically said hourly wage, Ahmed

>> No.7680471

>>7679510
>0
>$100
>0
>$15

>> No.7680515

>>7680437
Fuck you, say it in net not in brutto

>> No.7680530

>>7680335
Literally not true. My department is 90% white. Unfortunately, there are a lot of unqualified women

>> No.7680549

>>7680382

>> No.7680579

>>7680063
Aye. I am. The first loan was just to redo my place. Which was fine and this was before crypto and I had a well paying job. The second loan i used for crypto (long story) essentially I put 42k into ETH ...but traded on margin and got liquidated. Had i just HODL (this was when ETH was 300usd) ...I would be so fuckin rich right now. But instead I'm not. Kinda kills me.

>> No.7680589

>>7680530
>unqualified women
Sounds about right

>> No.7680607
File: 10 KB, 352x462, CCB87453-93DD-4CED-A4B1-E0B39219445A.png [View same] [iqdb] [saucenao] [google]
7680607

>>7679510
I have exactly zero debt at the age of 28, never had any debt, never took money, earned it all myself.

>> No.7680620

>>7679510
22k
$17.00
$130/hr

>> No.7680625

>0
>0
>2600 in rent to landlord. Haven't paid bc he's old as fuck and I'm trying to buy his apartment from him. When I don't pay he starts to more seriously consider selling instead of waiting for money every couple of months.
>24/h

>> No.7680655

>>7680607
devilish

>> No.7680663

>>7680579
fugg

>> No.7680672

>>7680579
You'll be fine.

If it makes you feel better all of us in crypto have that what if story. I asked my wife if we could put $5k into Bitcoin when it was trading at $37. She asked if I was fucking dense and said no. I remind her every.day.

>> No.7680701

>>7679510
>$6k in loan debt from community college trade program
>helped me land an apprenticeship in my field that has already given me a significant raise and could lead to a 3-4x income increase over the next few years as i pay it off
>total assets of crypto, fiat, stocks = $15k
not too bade mane

>> No.7680743

>>7680672
what kind of a pussy you are if you cant put 5k in to whatever you want by yourself

>> No.7680745

>13k in student loans remaining
>5k left on car loan
went into crypto with the sole purpose of getting rid of this shit. on track to victory so far

>> No.7680759
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7680759

>>7680625
Found the jew

>> No.7680764
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7680764

>>7680672
>asked my wife
What a cuck

>> No.7680790
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7680790

>>7680625

>> No.7680791

Spent half a year in college before quitting, still got between 5 and 10 grand deep. I paid it off, but I was delinquent getting there, so I won't have good credit for like a decade.

>> No.7680817

no debt
my friend owes me $40

>> No.7680820

>>7680743
You're not married. Marriage is a "long game." The I told you so "currency" I earned that day is a lifetime of let me invest in what I want. Was it worth it? Maybe not, but it could be worse. I love my wife and we have a nice life. Maybe not millions nice. Shit man I don't know.

>> No.7680843

>$167 in credit card debt
feels good man

>> No.7680853

>>7680672
Thanks anon, makes me feel a little better. I'll greentext my story:
>Start trading crypto
>Invest 4k turn it into 16k
>Learn about margin trading, wow, turn 16k into 30k+ in short space
>Make a few bad moves and liquidated to 4k and eventually that turns to 0
>Max out credit card (8k) and again turn that into 30k+
>Liquidated again
>Think fuck it. Take out 42k loan and buy ETH with it
>Margin long and get liquidated to 3k
>Turn that 3k into 30k again...and liquidated to 10k - 5k - 300usd
>Now selling my place. Invest it back into crypto and pay off all my debts.

I worked out I would be banking over 500k had I not be on the losing side.

>> No.7680870

>>7680764
I don't think talking through financial situations with my wife makes me a cuck. How do you do things with your wife? Ah I see - fedora MGTOW. You showed me.

>> No.7680878

like 80,000 USD of credit debt

WOO we living on the edge fuck the kikes i'm never psayign it back

I literally never made a payment lmao

Good job debtors prison doesnt exist anymore

>> No.7680883

>>7680589
Dealing with them makes me want to quite desu, but my PI is baller

>> No.7680897

>0
>3500
>0
>0
help me plz

>> No.7680927

>>Student Loads
7k. Was 35k before crypto
>>Credit Card Debt
0
>>car
10k
>>Money you owe people you know
0
>>Hourly Wage
50 USD an hour

>> No.7680929

>>7680853
You still have plenty of time and it sounds like a hell of a ride. High risk high reward.

>> No.7680933
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7680933

>>7679510
Literally zero. 20 yrs old btw

>> No.7680943

>>7680878
This is the niggest post I've ever read.

>> No.7680955

>>7680870
>2017
>Having a wife
Women are just demons put on this Earth to take our nutritiants from our semen to survive.
Get redpilled, newfag

>> No.7680956

>>7679698
because there's nothing to lose and lots to gain if you're not retarded?

>> No.7680989

>>7680955
Nutrients

>> No.7680996

Before crypto:
>12K student
>48K credit cards
>$32/hr
>negative net worth

After crypto:
>$0
>$0
>6 figure positive net worth
feelsgoodman

>> No.7680997

>>7679814
how did you bone 30 chicks? I dont even meet that many girls in a year

>> No.7680998
File: 37 KB, 374x421, 1511808460725.jpg [View same] [iqdb] [saucenao] [google]
7680998

>>7680943
I'm whiter than you'll ever be, mutt. I just want it all to come crashing down upon the heads of everyone.

I will never pay a cent of it back and my credit history will restart after 5 years (8 but i'm 3 in)

I've never so much as received a letter, and If I did it would go into the trash.

I should also mention I have approx 700k~ USD in crypto.

>> No.7681012

>>7680955
>Newfag
>Haven't taken the black pill of everything is terrible there is no point so might as well marry and manufacture what little happiness you can for a period of time.

>> No.7681058

>>7679510
~22k in student debt fag here

>> No.7681106

>>7679510

>0
>0
>0
>15.75 Eurobucks

10k saved and 2k in crypto.

>> No.7681112

19k car
0
0
0
15

>> No.7681123

>>7681012
>black pill
Beyond the blackpill, newfag.
I'm on the "this world is a joke, and it's all for me to laugh at, because how can anyone else be real" pill.
Get on the train, kiddo

>> No.7681130

>>7679510
Student loans: $26,000.00
Credit Card Debt: $160.00
Medical debt: $7,000.00
Personal debt: $6.00

Wage: $42,000/year

If I didn't have to pay for food, fuel, utilities, mortgage, insurance, and entertainment; I would be able to pay my debt in one year.

>> No.7681131

>Student Loads
10,000
>Credit Card Debt
0
>Money you owe people you know
0
>Hourly Wage
22

>>7679800
Shitposting

>> No.7681145

>>7680998
t. 'Whiter than you Mohammad'

>> No.7681164

why have debt? sounds like a wagecuck thing. comfy neet here so no income, no debt, no problem

>> No.7681169

>>7679510
student debt (30k)
car debt (3k)

feeling pretty good about the normie life

>> No.7681172

>>7680998
This guy knows what's up.
Never pay your Jewish overlords

>> No.7681175

>>7681130
>If I didn't have to pay for food, fuel, utilities, mortgage, insurance, and entertainment
parents. basement.

>> No.7681220
File: 200 KB, 640x861, 1506900115743.jpg [View same] [iqdb] [saucenao] [google]
7681220

>>7681175
I moved into my parents basement for a few months to get my life together, that was 2 years ago this week.

>> No.7681270

>>7679510
>>Student Loads
0
>>Credit Card Debt
0
>>Money you owe people you know
0
>>Hourly Wage
$21

About to turn 24 and finished my college degree back in June 2017. My job might suck, but at least I don’t have debt.

>> No.7681277

>Student Loans
£18k remaining

>Credit Card Debt
None why the fuck would anyone have one

>Money you owe people you know
No friends, no debt

>Hourly Wage
£35k GBP/year, gf earns £45k/year

£150k mortgage. 25 years old. Gf is 24. TFW I’m an environmental manager with no trade skills and my gf is an industrial electrical engineer and instrumentation-er. (We both work at the same place). Tfw feel like I’m in a worthless career even though it pays really well. Also inb4 “durrr £35k is only like $50k”, economically it affords me a comfy life economically equivalent in Britain of more than $50k/year

>> No.7681278
File: 44 KB, 332x333, Sad-Frog-Meme-Enough-19.png [View same] [iqdb] [saucenao] [google]
7681278

>>7680998
>>7680943
My parents unironically did this

>parents bought house for 300k in 2003 with high interest rate
>dad also bought a bunch of land plots (mortgaged)
>2008 crash happens
>dad basically defaults on the properties
>no money
>mom uses the FUCK out of her credit card, were talking 40-50k expenses
>dont pay up
>go to court
>somehow win the case
>but credit ratings take a hit
>this year my dad was able to get a new credit card somehow

What a fucking shit show that was. I was only 12 at the time so I had no clue this was even happening.

>> No.7681340

Idk don't really check but im sure it's about 20k after the 5k loan i just took out in 23 so its nothing

>> No.7681341

>>7681278
Same thing happened to mine. Dad got his Escalade reposed, and hasn't had a job since.

>> No.7681342

>>7681278
My parents would be pissed if they found out about my debt.

>> No.7681371

>>7681341
>reposed
Reposessesd

>> No.7681389

>>7681341
why doesnt he have a job?

>> No.7681395

>>7679510
0
0
0
12 (20h/week next to uni)

>> No.7681397

>>7681278
>>7681342
It's good. The Jews worst nightmare

>> No.7681472

>>7680820
I’m married. I dropped 5k into crypto and told my wife it could really pay off. Didn’t say anything about it until I took out 5k after it jumped to 50k. When it dumped 50% and she said “maybe we should take that out”, I said no, it will be fine, and that’s been the end of it.

>> No.7681479

>>7681389
IDK, he used to be very well off. $2.3 Million dollar house, $200,000 bomb shelter in the yard.
Then he just gave up after 3008.
He's looking for jobs now though, he might take a job offer at Sears unfortunately.

>> No.7681508

>>7681479
>3008
2008

>> No.7681656

>>7681479
wat

so what happened to the house and bomb shelter? no investments?

>> No.7681688

>1K Student
>20K Credit
>A family member owes ME 3K
>32/hour

>> No.7681698

>>7681656
Sold them off, made close to nothing.
He still has his investments he holds onto.

>> No.7681768

0 debt.
Quit my job in early 2017 to tend to my folio of shitcoins.

House and car paid off thanks to money skeleton.

>> No.7681775

>>7679510
$25k student loans (not out of school yet).
Zero credit card debit but credit score is ~750.
Owe parents a couple grand for spotting me some money when I totalled my car.
All in all not too bad considering I'll be making ~$60k out of school.

>> No.7681891

>>7680118
How? My aunt took on over $100k in debt just for law school and after working a couple years she paid it off in full and now shes a partner, makes $250k a year, and is about to retire next year after she gets married in Italy.

>> No.7681995

>Zero loan debt
>Only credit card debt is what I pay off the same billing cycle
>No personal debts
>No mortgage
>$125+/hour
Feels good man. Went to university while living at home and paid each semester with cash, now running my own business

>> No.7682079

>$0 student loans
>$0 revolving debt (pay off ccs every month)
>$5K to my mom for a couple classes
>$38k per year

>> No.7682436
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7682436

40k student loan: 10 gov 30 private
0 cc

12.50/hr while searching for a salaried position.

Debating defaulting a while to save for a move or going back to skool.

>> No.7682961

Jesus. This thread. Interest needs to be illegal

>> No.7683021

>>7682961
Easy there Muhammad

>> No.7683086

>>7679510
Studying last year, so about 40-50k of student loans. Not working, no other debts.

>> No.7683630
File: 17 KB, 224x225, 1516083023973.jpg [View same] [iqdb] [saucenao] [google]
7683630

>>7683021
>implying interest is good

>> No.7683698

>>7682961
Usury is banned by all the Abrahamic faiths - for those of your own faith. This is why the Jews became powerful bankers, for Christians could not charge interest while lending money to each other.

>> No.7683738

>>7679510
>$65k
>$500
>0
>0

>> No.7683743

>>7679560
>None not including mortgage. Unless buying things with a credit card that I pay off every month immediately counts. For cars I only ever buy shitboxes I can afford with cash.
same

>> No.7683771

>0
>17k
>0
>$30

wish i wasn't such a gambling addicted piece of shit the past few years.

>> No.7683849

>0
>0
>~500 (car)
>11.50

>> No.7683869

>>7679510
>0
>0
>0
>$32/hr

>> No.7683932

>>7679510
>Student Loans
Zero, I purposely chose to go to a state school because I'd be paying zero out of pocket(for tuition) thanks to scholarships. I am on the hook for other expenses though.
>Credit Card Debt
None.
>Money you owe people you know
As of an hour ago I venmo'd my friend $30 for something so nothing atm.
>Hourly Wage
Fuck that. I do SMM and ecommerce and make about 6k a month, which isn't bad for a 19 year old

Didn't really fit into any of the categories but I will have a 14k car loan at the end of the semester.

>> No.7684101

0
0
0
$45/Hr

>> No.7684159

>>7681995
shit are you me

>> No.7684182

0 for everything because I go to community college. I make 13/hr
Rather have no debt than making more

>> No.7684202

>>7683698
This tired meme does not describe jewish world domination.

>> No.7684363

>>7679510

>Student Loans
None, 100% Scholarship by turning down Princeton and going to small private school.
Pre-Med at Princeton is useless.
>Credit Card Debt
None, Dont use credit cards. I have 2 for emergencies, other than that, I go to the bank once a month and buy gift/debit cards with $5k on them.

>Money you owe people you know
None, I am the banker of the friend group.

>Hourly Wage
Create websites and do graphic design for $700/site and $50-150 for art.
Tech robotics and Comp Sci part time.
Made 3 mil off Bitcoin so I work simply for fun.

>> No.7684373

>Student Loads
8000 eur
>Credit Card Debt
0
>Money you owe people you know
20k eur
>Hourly Wage
0

Every. single. euro. in cryptos <3
A-a-am I gonna m-make it?

>> No.7685416

>>7679510
>$3K
>$0
>$0
>$0, stopped working to learn crypto market/tech/trading full time

>> No.7685596

I have no debts. I never have and never will.
I'm currently earning minimum wage but I'll eventually get up to being a Sysadmin.

>> No.7685676

>250k
>6k
>0
>$42.50

>> No.7685709
File: 185 KB, 308x423, 1517187421479.png [View same] [iqdb] [saucenao] [google]
7685709

>>7679510
>0
>0
>0
>$50 after I finish grad school

>> No.7685877
File: 15 KB, 484x224, james.jpg [View same] [iqdb] [saucenao] [google]
7685877

>None
>None
>None
>None

Unemployed for almost a year now.

150k worth of crypto
185k total net worth

Pic sorta related