/jp/ - Otaku Culture

I don't work or go to school, so I'm not in debt. I live with my parents and they pay for my food, my car payments, and gas for my car.

Sucks to be you, I guess.

How can you make less than 3K when I get 4k as a college tutor working 7 hour weeks?

I have $9000 in the bank.
I have no job.

Luckily I noticed the future unlike OP and killed my course just into my 1.5th year.

Baka yarou

live with parents, everything is free, don't don't do shit, buy figures and browse /jp/.

Damned if you do, EXTRA DAMNED if you don't. If you let that debt grow further, you will cripple any future attempts at getting anything decent.

Let me guess... you major is english? History? Serves you right for being a lazy bastard.

About 15k in debt. Defaulted on my last 5 payments.

>>6183721

Pretty close.

Liberal studies.

Going into law, so I'll be in hell for quite a while.

>>6183716
Work like four hours a week at a department store making like 7.81 an hour.

Make ~$900 a month working part time. I've got $46,000 in the bank, but a good bit of that will be going to grad school.

>>6183729
Have you looked into tutoring?

>>6183733

I've considered it, but the only subjects I'd be able to tutor for would be things like history and English.

So, basically the guy above me was right. I would've liked to do some natural science as a major, but I'm math-retarded and too fucking stupid, so I'm stuck with liberal arts crap.

Also, not going to do anything entirely soul-crushing like business, or as pretentiously stupid as pyschology.

I live with my mom and only have 5000 dollars in the bank
My only source of income is scholarship refunds

>>6183737
A cousin of mine has a very comfy job in a high school, but he was not in liberal studies. You really should reconsider that.

>>6183737
You can tutor in those, can't you?

I live alone on savings, far from anyone I know. I don't work, I barely spend.

I uh, have ~$22,000 in mutual funds and around $3000 in cash. No job and living at home.

No debts since university and schools are practically free here ($100 per year subscription fee) as long as you study well enough in high-school, I did.

Make about $8000-10000 this year, 3 months full-time and a couple of months part-time working. This doesn't include goverment student aid.

Lived on my own since 2006, rent is only about $300 and I get $500 a month for 8 months a year from the government for studying hard enough.

Slowly and steadily building my future. Already got a job from the industry what I studied for so everything's going all right.

>>6183763
Nice

Jealous?

It's night time so you won't get many "Sup I make millions of dollars per year are you jelly" posts, but you will if you keep this alive during the day.

But a lot of times people think they are screwed, but they are not. Few people here are since they can play animes and watch video games all day.

Just graduate OP and you'll be fine. Consider protecting your investment in yourself (which is basically what getting an education is) by unplugging your internet often or something.

I am $0 in debt.

I make $28,080 a year working part time.

I own 3 cars, 2 sports cars, one sedan. One of the sports cars is very fast.

I own several firearms.

I do not own a home, hence the $0 debt.

0$ in debt.
Make 0$/year
2000$ left in savings.
Live alone, no one supports me, too afraid to get a job, too afraid to see a doctor to see if I can get disability. Going straight for the streets soon.

>>6183787
>>insinuating all debt is bad

Not quite so, our magician touhou. I mean you own cars; you should know this.

>>6183803
Reported for implying.

100K in debt, 20K of that has been in default for 6 months, shipping to boot camp in november

/toy/fag here -- Been unemployed for almost two years due to shitty economy and lack of jobs in my field. have 2 grand in savings, no car due to accident.

My senile old batshit 95 year old grandmother just died, having had all the self-awareness of a sea sponge when she finally kicked the bucket.

Turns out the old biddy was sitting on TONS of stock, insurance, and assets that my grandpa set up nearly 20 years ago. In one day I earned $250,000 and I still have regular 4 digit payouts from the stocks.

I live in a pretty cheap area -- I can buy a really awesome house for under 100k. I'm pretty sure if I budget myself properly, I can use that money to seed my unemployed survival for the rest of my life.

Pic related.

live with my mom who is $30,000 in debt because she has a shit job and two kids

i have no job, i just leech off my mom because she buys me food and vidya games and pay for internet, which is all i want

got about $600 saved up, which i will use on more video games most likey over the next few years

21 years old

>>6183813
Reported for being mean.

>>6183816
They know your financial situation right? I thought people got kicked out of the military for defaulting on loans. But dropout medical students with $100k in debt have dug themselves out of holes before.

>>6183819
So our first opposite of what the OP asked post was a toy guy? Definitely wasn't expecting that.

> /jp/ - Finances

0 in debt, almost done with uni.

If I get a lab tech job in my field next tear then I should start at somewhere between 35-42... kinda antsy about that, because the tax bracket shifts at 38 and I might get sorta fucked for a little while if I start in the low 40s.

2 years of that and then I will decide to either keep working in biotech industry or do grad school. My career statistically averages like 80 grand atm 5 years down the line, but they are unclear if I am expected to have at least an MS. Grad school is a crap shoot for my field; if I don't get a faculty position at the end (very unlikely no matter what) then I'll be overqualified for the job I was working before starting grad, but underqualified for true professional industry research because I don't have enough postdocs or whatever.

My biggest anxiety is just landing the first job to begin with. This fucking gay ass economy could fuck me up so bad if I can't get started soon. Although, molecular biologists seem to be sort of uncommon, less still are the ones who don't have their head in the clouds thinking they should start grad school right away. At least I'm in the Bay Area and there are lots of biotech firms around.

Just graduaded from massage therapy school using every last penny in my savings that I had. My bank account is overdrawn by $46. I'll be licensed next month so I can start working again. Thanks to the student clinic, I have several clients waiting for me to get licensed. It'll feel good to turn myself around.

>>6183828
>If I get a lab tech job in my field next tear then I should start at somewhere between 35-42... kinda antsy about that, because the tax bracket shifts at 38 and I might get sorta fucked for a little while if I start in the low 40s.
What...?

Do you know how tax brackets wor-

Wait, no. You're graduating from college?

>>6183826
forgot to mention, i dropped out when i was 16. been a NEET for 5 years and counting.

>>6183819
I'm jealous. 100 000 in the bank at 4% interest nets you 4 000 in simple interest, more than enough for figures and games for a year.

>>6183842
You're a pretty cool guy in my book.

No debt. But, I dropped out when I was 14, due to kids picking on me, and pretty much raised myself through the internet.

I'm on welfare, claiming for a disability which I do have, but it doesn't prevent me from working, I just don't want to.

Not employed in education or training.

I spend my days browsing the internet, importing games that I can barely play through because I don't know Japanese (and probably can't learn, as I am 25 and still have issues with some simple English things), and I post in threads like this to see if anyone will reply to me.

My life is sad.

I'm white and rich. I don't have to worry about money.

I'm only going to college because i like learning shit.

The only downside is i have to suck up to a bunch of pretentious cunts i'd rather not know, or else i'll become an unfavorable child to my parents and lose everything.

>>6183839

CA income tax.

Or more properly, I should say I might get pinched for an extra couple % off income if I start out at the bottom of the CA cutoffs (which seems likely), making almost nothing more than I would have if I had started at below the bracket.. and if I start below the bracket, then I'll still make hardly more after getting a raise because again I'll clip that bracket. Which will set me back a couple grand. But that's life and now I know why everyone hates taxes.

>>6183827
Sorry to get offtopic, just sayin: Up until about a week ago I was ready to put a bullet in my head, cause I'm broke, no income, too crippled for factory work or manual labor but not crippled enough for my own tugboat. I have no health insurance so I can't even afford my prescriptions and doctor visits, making life hell. But now I feel I'm gonna make it. It's like a dream. For the first time in years I have real hope.

>>6183860
No.
You're only taxed the bracket rate on the amount that you have that exceeds the bracket limit.
Whatever you earn, you keep a substantial portion of your additional income.

>>6183856
You're damn right I'm going to reply to a great post like that.

0€ in debt.
A bit less than 10,000€ on my account.
Graduated just this spring (CS).
Working for a multi-national IT megacorp, make a bit less than 3000€ per month.

Should get a home at some point. This will mean debt.

>>6183860
masters in macroeconomics from sarah palin university.

>>6183856
man, i should try to get on welfare. we are bros.

>>6183869

Hm. Well I'll be damned. In case you couldn't tell I've had zero finance or business courses, only SCIENCE. Maybe I should take some before I'm done.

I guess now I can see why Einstein couldn't even balance his goddamn checkbook.

>>6183868
I was glad for you before, but if this is true then enjoy your secure life bro. Just don't go crazy and lose it all.

>>6183873
>>another opposite of what the OP wanted post
>>thinks a home is bad debt

You weekend guys sure are special huh.

>>6183894
It is bad debt until the market finishes crashing.

>>6183856

OP here.

It's okay bro; many people work their asses off for years with minimal pay-off and lots of stress, frustration and needless drama in their lives.

Think of yourself as the modern hermit, my friend, sitting back and examining life as it passes, instead of swimming against the stream as hard as you can.

Also, you /jp/ers are nicer fellows than I had anticipated-I wish you all luck in your future endeavors.

>>6183856
With enough studying, you can learn a lot of things. A language is one of those things.

>>6183906
we are the friendliest board on 4chan, after all.

£0 debt (living with uncle)
£2000 in bank
Studying physics (astrophysics master) at uni.
I buy console games second-hand, pirate everything else, and don't buy figures.

21 years old.

€3200,- in debt due to driver's license. Another €700,- to college due to dropping out after 6 months.

Not a big deal, provided I'd ever get myself around to working.

>>6183868
OP again.

I'm glad for you toyguy; that is like a dream come true.

You grandma sounds like she was a wise old bird.

Make sure you're careful, and spend as minimally as possible; maximize every dollar. Also, if you can-I'm not sure how exactly you mean you're crippled-maybe start exercising a bit-I lift weights (A simple weight machine and a pair of 25, 20 lb, and a 70ish-pound barbell) and it's made my body feel quite a bit better, and boosted my self-esteem substantially. Unfortunately, I've been lazy and I've been skipping quite frequently, and I've felt the bodily effects.

Just a thought, I wish you luck.

No debt.

Unemployment pays $460 a fortnight. Saving $250 a fortnight for an overseas trip. Buy a game/save for a figure/buy random shit once a fortnight, spend the rest on alcohol and tobacco.

Studying TESOL Diploma by correspondence.

Meh.

>>6183905

Well here it's a buyer's market, so it's not a bad idea at all. Not sure for our euro friends though. Location obviously matters for this kind of thing.

$2300ish in debt from school, which I can pay back at like 10 dollars a month, if I want to when i finish school.

25 years old, no desire to work, I worked 1.5 years part time and it SUCKED ASS. I will take out a huge loan from school if the shit ever goes down (like if i get kicked out of home). But that won't happen, I have a good relationship with my parents and I'm a good person. Only reason i'm in school is so I have somewhat of an excuse to not work. I don't really care either.

>>6183906

Thanks, I feel kinda better now that you've put it like that.

>>6183976
I know what you mean, I'm only going to school so that I don't have to look for a job or join the military.

>>6183987
I've been doing that but this is my last semester. ;_;

>>6183906
>>Think of yourself as the modern hermit, my friend, sitting back and examining life as it passes, instead of swimming against the stream as hard as you can.

Suddenly I'm reminded of the ending to Legend of Strongest Man Kurosawa.

Great stuff, but not recommended for this thread!

>>6183803
I only pay cash up front for used cars. Buying a new or near new car is a terrible financial choice.

Why pay $28,000 for a car that you will be able to buy slightly used in 5 years for $7,000?

$140,000~ in debt (home mortgage)
$12K savings
$38K salary with health benefits
High School Education
26 years old.

One thing I've never understood about this board is how you can all play at being so aloof and yet you hang off your parents for everything. The price of having to drag myself back and forth from work five days a week is worth coming home to an empty house. Two decades of constant nagging was enough.

>>6183964
I've been watching the market in northern California closely for the last three years and I'm sure it still has another crash coming. There's a staggering amount of unlisted but vacant properties. The opportunities are more interesting every month as the better ones start to leak out. If it gets to the point where a major player panics, I'll have my choice of houses to buy outright.

>>6184000

My mother and I are like friends. There's little nagging and we respect each other's privacy.

/jp/ should find a place that will let like 10 guys live in one apartment room and split the bills amongst themselves.

>>6183991


Gotta agree with this completely.

I purchased a used Chrysler 3 years ago, made in 1993 for 1600 dollars and it's been a great, reliable car, and when it dies, I only paid 1600 dollars for it.

Buying new vehicles is a real waste of money.

>>6184008
lol faggot

>>6184000
It depends on your parents obviously.

I've noticed (to no surprise), people with shitty parents move out early.

>>6184030

>>>/a/

I'm friends with my parents. They get annoyed with me, especially with cigarette butts in the garden, but we get along well considering I'm an unemployed, mentally ill fuck up.

I 'dropped out' back in grade 8 but showing up for midterms/exams doing exams gave me enough credits to be one short of my high school. I worked full time for most of those years, most of it went to my parents and the rest went to stuff like tv/computer.

Haven't been to school in two years and still don't have my HS, no real dept but I still owe my parents money due to leeching, no job at the moment but Im trying to stay neet as long as I can. University isn't an option because I'm science/math retarded and the dept isn't worth the risk of not graduating shit. The colleges here are more like trade schools, so if i go and be a plumper or some stupid desk shit I'll be depressed as fuck for the rest of my life.

Either way I'm boned. Live with dept or live with shit job

0€ debt, renting and university is free here.

I actually started working last year, make 1500€ a month and spend about 600€ a month to live.

So I have about 7000€ in saving. [quote]I have no use of them and that does feel bad. ;_;[/quote]

0€ debt, renting and university is free here.

I actually started working last year, make 1500€ a month and spend about 600€ a month to live.

So I have about 7000€ in saving. I have no use of them and that does feel bad. ;_;

>>6184117

I know a bunch of countries do this, but is there anyway for a foreigner to get it free as well?

I want to go to university, but its really not an option because of money ;_;

>>6183991
>>Buying a new or near new car is a terrible financial choice.

Not quite, as each have their advantages and disadvantages that are definitely detailed on many websites. But if one had to liquidate everything he owned, that new car would be better to have than the used used car.

Anyways certain debt is fine to have; it's one of the keys to making money in the end. For /jp/: student loans are considered to be good debt as they increase your earning power.

As long as you graduate of course. But if you don't you'll still be fine in the end.

>>6184121
Generally speaking, it's possible. I'm from a country on Europe with none to comparably low fees for university and I am not aware of any special fees or limitations for foreigners. But it's not as simple as that. It never is.

My grandfather left me 12 million in funds when he died.

I'm set for NEETdom. I feel bad for you guys.

No debt, my parents signed me up for college again so I should mail the college to refund them since I'm dropout.
Living with my parents, they pay for my food and needs and I feel so empty because of that.

>>6184237

You are one lucky motherfucker

I lost my left hand in a car accident and never went back to college

>>6184243

You should buy a /jp/ murder mansion where we can live.

I'm living in a third-world country, my monthly salary is about $250 and in less than a year I'll be taken to the army where I'll be beaten to pulp every day by some drunken punks. Could have been worse, I guess.

>>6184270
flip?

>>6184270

Not really, no.

I'll take my debt over that.

You might as well kill yourself, bro.

I'm starting a fairly practical degree that I'm absolutely not prepared for and have to take five or six prerequisite courses first to even begin to understand what the hell it is I'm looking at here. On the other hand, it's all paid for.

>>6184277
Chicken

>>6184277
A TRUE MAN ONLY DIE WHEN THEY ARE KILLED

>>6184283
Protip: People who commit suicide end up in Hakugyokurou as Youmu's helpers.

I'm a successful software engineer with almost $40000 in savings and I make $50000 a year.

I live in a nice apartment which I never leave except to go to work.

Picture unrelated.

Just over £5000 in the bank
Studying Japanese at uni, with no clear path after that
Live in halls of residence with 11 other people, lock myself in my room all day
Every day I feel more and more that I want to go back to the womb and have all of this be a prolonged bad dream

>>6184264
that's my dream. a house full of /jp/ers.
we'd all change our family names to ushiromiya and pretend we're siblings.

>>6183828

Same here. I worry that my MA degree will only be useful for more life in academia, especially because of the bad economy. I'm about to go back to school for a certification. In the meantime:
33 years old
$60,000 in student debt
Lost my job when my company got caught violating labor laws
No house of my own
No girlfriend

I'm not in debt because of the free government training programs. College education is old and busted, training programs are new hotness.

Roughly $30k in mutual funds and checking account, live with parents paying $200/mo rent (everything around here is fucking expensive if I wanted to move out and I'd have a longer drive to work if I did). Work for near-minimum wage not quite full-time for 8 months of the year (ever since the economy tanked my employer cut hours to make sure there was no overtime). Pay off credit card bills in full, I still owe about 6k or something on my car (the old Buick my parents let me have for free finally broke down, wound up buying a slightly used Fusion for $16k with half down)

I actually have a bachelor's in biochemistry but I've never had a job in the field (not even an internship), have no contacts (transferred midway through college when I was failing miserably at a tough private colllege, then never made any effort to get to know my professors at the public university I finished my degree at), and really no drive to get a job anyway. I pretty much coasted through high school and then went to college doing what my parents expected, but I really had no goals of my own.

So now the problem is I'm totally content with my current job as far as the work is concerned, but the shit pay and no benefits means I can't stay like this forever. But I have no desire to work a more stressful job, and even if I found something acceptable, I'm scared to death of doing a job interview. I have a speech impediment that gets especially bad the more I have to think about what I'm saying (although I can talk normally if I'm giving a prepared speech or something), in an interview I probably wouldn't be able to say anything coherent. I have no problem socializing with people who already know me, but dealing with strangers is a problem.

>>6183710
Sounds like shit, bro.
I live with my parents in a shitty country in eastern Europe. My father works as a construction worker, offering his services for home renovations and such. At summer time business is going well, but in winter time it becomes so bad, that we can barely afford to put food on the table, let alone pay bills to greedy monopolists.

Oh and the economy is dead and has been since the collapse of the USSR. Finding a job here is damn near impossible at the moment.

Get over $5000 a month from the government from faking depression.

I don't have a job nor have school. I don't leave my house. I order food from a near by convenience store.

Only have a computer and internet.

I am perfectly satisfied.

>>6184424
SSDI is supposed to be capped at $800 a month. You must live in a socialist country.

>>6184424
>over $5000 a month

I'm calling bullshit, especially considering the lack of any detail in your post. Or are you living in a European welfare state and just converting to dollars?

>>6184424
>$5000

>>6184439
>Or are you living in a European welfare state and just converting to dollars?
Yes.

FUCKING EUROPEAN WELFARE STATES

Stopped going to regular school around 16 and started going to an online high school. Got my diploma and not a GED from them. Started working at the same and I am now 22, I have over 150k in the bank and no debts since I am still living with my parents just saving money. Sucks to be you OP.

How to work:
*Become an outside consultant, a job that allows you to work from home, at an arcade that owes your dad big time.
*Find mailbomber. Send spam.
*If you're really, really pitiful, fake depression and get money from the government.

>>6184446
That's still bullshit. I live in Northern Europe and I only get 400€ + rent.

>>6184469
Where do you think your tax goes too? To give the scum their beer and people like me. I wish I had a disability then this shit would be just payed to my bank account without me doing shit to collect it.

What a depressing thread to stumble upon right after waking up.