/biz/ - Business & Finance

JUST

I can't fucking take working daily anymore. I have the perfect NEET routine all planned out but I'm a minimum of 5 years away from financial independence. I'll be 36 then. How do I enjoy life until then?

>>10889056
I use pot and vodka. In secret, of course. Nobody has a clue I drink and smoke after a long day of wagecucking.

>>10888916
Not only are we almost there, but it's a 3 day weekend!

Perspective: Everything is awful, but I was on gif last night and saw a couple of flavela gifs and was thankful to live in America where my only worries are eating enough protein to maintain gains and if my tinder/bumble dates are going to text me back after the first date.

Oh, and crypto is down again. Gonna wait until it dips a tiny bit lower, because I've now met my savings goals for the year.

>>10889094
Smart man. I vape weed everyday (Volcano), no drinking. It's a nice break from wageslaving. But I'd rather just be a NEET who only blazes occassionally, like a couple times a week at most.

wage

>>10888916
>were almost there
maybe YOU'RE almost THERE but I'm stuck WORKING THROUGH FUCKING MONDAY

been working 5 am - 1 pm for the last year or so and im still not used to it. got put on 1 - 9 pm this week and ive been enjoying it a little more, although im tired as fuck by the time i get home. get 30% extra loading for working afternoons too so im getting close to $42/hr now. kinda hoping this will become a regular occurrence but im guessing that the supervisor is just trying to keep me happy

>How has your perspective of things/the world in general changed as you've gotten older?

so much worse. ive pretty much swallowed the blackpill, but its stuck in my throat. its like a slither of hope still lingers, but its only a matter of time until that pill is dislodged and im sucked into the black pit of despair forever

>>10888916
I want to fucking die. I'm working up the nerve to quit before September ends. Season ends in October but I don't think it's worth it. I've been working this shit job because I thought I'd be going to school in September. I dropped because I'd rather have that cash in my pocket. I can't get a loan because my parents make too much. I could be making 20+ an hour but I'm stuck here slavinng away for 15.

Enrolled in a barber course so I can give some sick trims. Anyone got any tips to work hard and be resiliant?

I've sat at my desk with a spreadsheet open & replied to one email today. Who else is being /productive/

>>10889996
based

have my spreadsheets but my job is to literally spam emails so ive shot off like 30 so far

>>10889488
I want to be you but I don't think Amazon is hiring

>>10888916
I have to go meet with a client tonight who fucked up their books. Burn the midnight oil and fix it all.

Going to be a long one boys, have one for me.

>>10889056
how much money will you have.

35 now, thinking 10 more years until I accumulate 2.5 milli. I'll have a house mostly paid off by then and enough in dividend income to not touch my principal.

>>10889056
>>10890110
nice to see some fellow FIRErs around here

i don't get how normie NPCs can live paycheck to paycheck in massive debt and pretend everything is fine.

>>10889996
Same thing here. Spreadsheet open and one email sent. Also sat in a half hour meeting that went over things I already knew how to do.

Senior Manager is on 3 weeks vacation, so I'm doing nothing while he's away. Not even bothering to go into the office today, just going to set my Skype status to busy and leave my laptop open in case anyone emails me.

what's for lunch wagers

>>10888916
>Icebreaker: How has your perspective of things/the world in general changed as you've gotten older?

These last two years I've become increasingly bitter and cynical towards everything. The crypto bull run from May until the beginning of January was kind of making me hopeful for the future but this drawn out bear market since February has made me even more bitter than I was before (not only the bear market, but also other shit in my life). I've kind of accepted that this absurd universe hates me and it just conspires against me and it fucking teases me with false hopes and dreams. I'm going to form a fucking black metal band.

>>10890939
Gotta get my sips in if I’m gonna make it to 4

>>10890209

Well, not everyone can engage in FIRE or else who would be working?

By the way, what do you guys think about bullshit jobs (i.e. jobs that if they didn't exist wouldn't make the world any worse)? The more I think about it, the more I conclude that:
- They're a kind of UBI (Universal Basic Income) to keep the masses passive and put some fucking food in their tables;
- They're a kind of a device for humiliation by the psycopathic socio-economic elite that pervades this fucking world. Think for example about all the startups in SV. VCs are basically psychopaths that "invest" in startups (more like gambling) which make shitty apps/web services (granted that there's some good stuff but Sturgeon's law and all that) and relish in seeing the techie drones living in a deplorable and literal shithole filled with shit in the streets.

>>10891164
>marketing a toxic drink on a Vietnamese
wew almost bought it

>>10889564
Offer anime haircuts my man

>>10890939
I am trying to lose weight, so this is lunch and maybe a packet of tuna fish for dinner so I don't have food dreams again

>>10891164
>>10890411
>>10890001
>>10889996

wtf is up with you spreadsheet fags, your jobs will be gone in the next few years. why dont you make a script that work for you and get some free money before its too late. you are all just copying/pasting from one place to another all day right?

>>10891079
Nice, I'll be your vocalist. I work in a noisy factory and scream and gargle to pass the time and nobody can hear me. Can hit some pretty long notes now...
>>10891188
Hey, relax. Have a sip because you need the chemical stimulus to make it through your meaningless workday

>>10891305
>trying to lose weight
>diet soda

You lose weight by eating less shit and exercising more. Drink seltzer if you want carbonation in a beverage.

PIVOT TABLES

>>10888916
Not as jaded as I thought it would be. If anything I take things less seriously and laugh at the stupidity of many situations.

I work for $15 an hour reseting passwords and creating logins for people.

I just wish this stupid bitch next to me in the office wouldn't slurp her noodles so god damn loud.

>>10890110
$1 mill. I could work until 40 and have over $2 mill but my time is worth more than the money. Plus I don't plan on quitting being productive, but I'll do more fulfilling work that I own like managing my businesses/writing software for my own personal gain.

>>10888916
>Icebreaker: How has your perspective of things/the world in general changed as you've gotten older?

I used to be a fucking loser living out of my parents basement getting high all the time and working minimum wage jobs. I voted for Obama twice because dudeweed and dudewhistleblowers. I fell for it both times. I've become more conservative over the years. I nutted up and joined the military last year because i racked disciprine and wanted free technical training. My biggest mistake was doing reserves over active duty. But its slowly paying off. I have drive, the people in my shop are all motivated in their own way. Its nothing like the civilian world that i struggled so hard to make it in. I'm not good enough to be an investor. But i know i can be wealthy if i keep working and making smart decisions. I plan on using the military to get experience to become a federal employee and use VA loans to buy property to rent. Its a long term goal but i know i will achieve it.

>>10891349
Dude, I crave sugary sweetness and I'm trying to eat under 700 calories a day.
It's working, so fuck off with your unflavored fart water

>>10891436
You're an addict. You need to quit the sugar jew. The craving is withdrawal. You're not losing weight the healthy way, you're hurting your body.

>>10891436
Calm down ragie wagie.

>>10891421
The perfect slave, ladies and gentlemen

My perspective over the last couple years and improved overall I think. I finished school and got my first salaried position and this gives me.money and development of my marketable skills to get a better salary in the next year or so. I'm bothered by the state of society but I've been tortured by it for years so I think I've finally just accepted how things work rather than how I think they should work and this gives me.peace.
The money is giving me a glimmer of hope of being able to enjoy my own worthless existence while others are killing themselves and it makes me smile.

>>10891472
Thank you for paying for my salary and my benefits, civvie.

>>10891421
That's a healthy perspective, you're gonna make it man.

>>10891443
I know what I'm doing. I drink regular water but my body is screaming for another hit of the glucose joo.
This is my weaning off plan.
>everyone at my job is morbidly obese and eats a bucket of chicken for lunch or bone thin and smokes like a train without eating.
>>10891459
I'm trying to unfuck my life before I quit slaving and go full innawoods NEET

>>10891596
You've got a good plan. Quitting cold turkey will just make it worse. I am also currently trying to get off sugar and diet soda. I found that the more water I drink the less I really want it. I am down to 1 can a day now, sometimes 2 but usually one. If you make it your only vice I'm sure it's fine. Keep it up and good luck

>>10891307

I do most of my work in R or a Teradata/Oracle SQL tool now, but when I was a spreadsheet jockey I typically had templates that automated 95% of the work via formulas for stuff that wasn't as hoc. I tried to avoid VBA because then you're just going to recode the whole thing when IT decides to upgrade everyone to a new version of the Office Suite.

>>10891167

There are bullshit jobs, but they're typically compliance related things mandated by laws created by the same sort of people who complain about capitalism creating bullshit jobs. I like that delicious bit of irony.

wage

>>10888916
>be me
>work overnights
>company asks us to fill out time start preference sheets, hypes it up that they'll do their best to accommodate us
>my list goes 6, 7, 8pm, the earlier the better
>get new schedule for the next 2 weeks
>6 days I start at 8, the other 4 I start at 10
>10pm
>the one time I specifically asked not to get
Fuck this. I need to escape. Come on crypto.

>>10889094
Pot heavy everyday
Drinking heavy every other day
Hydrocodone every the day

This is the ideal way to curb suicide

>>10891307

Also quick addendum to my last post: even though my day to day isn't spent in spreadsheet land, spreadsheets are still the easiest way to provide detailed findings to the Project Management tards.

wage

I couldn't wagie it lol
Anyone else trying to set up passive income?

GOLDEN HOUR, WAGIES
It's 4:00 has everyone stopped working and starting bullshitting with the other cubicle slaves?

After work wage food

This week flew by desu. Cant believe its Friday. Time to binge drink for 72 hours. Starting tomorrow after work.

We're done we did it!
Time to fuck off and commute back.

Who else is /run/ after this shit fest?

>>10888916

I contractually work 10% more hours than a full-time wage and I've been saving/investing about 70% of my income after tax to get out of wage-cuckery sacrificing my hobbies, dreams, dream career and just general happiness for a swedish interracial cuckhold porn site and free video games.

And now my fiance has said that because I earn more than her I need to pay more of the bills/rent/costs of living. And instead of entertaining any part of my argument she's just decided to send what she's decided to be fair

She'll get it all in the inevitable divorce anyway and I empathize - so i guess my perspective changed to that it doesn't matter what you do or what you sacrifice somewhere down the line you'll end up right back where you started.

wage

>>10891596
>trying to eat under 700 calories a day
>I know what I'm doing

pick one

>>10894823
>having a fiance
Umm...

I'm 25 in a couple months, been working in mind numbing retail jobs since I turned 20.

I started a website a few weeks back. Finally got Adsense up on there, and have made so far, from Amazon Associates and ads, £7.23. It's only gonna go up though. I've written 14 articles since I started, totalling 22.8k words. Last 2 articles were 4.2k and 5.1k each.

Been aggressively marketing on social medias to get attention, and I got lucky with one post on Reddit that kind of blew up, but only brought me some decent traffic for a day, but a Pinterest Pin I made is bringing in steady visitors.

I am putting all my spare time into this, cause I want to be able to quit my job, and support my future family. I also want to do shit like hike the Appalachian trail, but it's so damn expensive when you work an almost minimum wage job.

At least my website will give me passive income.

>>10895799
>I am putting all my spare time into this, cause I want to be able to quit my job, and support my future family. I also want to do shit like hike the Appalachian trail, but it's so damn expensive when you work an almost minimum wage job.

Are you familiar with the concept of FIRE?

>>10895915
No, but I just googled it and am looking into it now.

>>10895936
https://www.choosefi.com/038-the-why-of-fi/
https://old.reddit.com/r/financialindependence/

What you described is pretty much what FIRE is. Basically jack up your savings, throw it into safe investments and cut needless expenses. Listen to that 30 min podcast, I think it's a good place to start. Check out the sub Leddit too.

>>10895936
>>10895960

>>10895915
>>10895960

I got the gist of it. My partner and I already scrimp a lot when it comes to cash. We're both still living at her parents house, as we're saving money for a mortgage on a house. We've been saving roughly 40% of our paychecks each just for that, so the saving extra part isn't new to us either.

I don't want to have to save for years and years and live off savings, I'd rather gain a steady passive income, that I can couple with that to gain FIRE. But I do understand the concept now.

I just really hate my job.

They say don't make what you love into a job, but I do, and I still love it.

>>10895980
Passive income on the side can definitely accelerate the time it takes to the finish line. Glad that you can monetize your interests and still enjoy it.

I'm buying a house like pic related when I hit financial independence and escape the rat race. Just me and my family.

Best of luck anon!

>>10896007
Boi that's a nice house. My partner loves gardening, and plans to grow tons of our own fruit and veg. This all helps for FI.

I'm most likely gonna branch into a youtube channel for my site as well once I gain enough money to warrant buying products to review them (As part of my website is based on reviews)

It's also nicheless, as I do almost anything and everything, which may both help and hurt in the long run.

Registered nurse. Live at my parents house with no rent. Life is gud

>>10892710
How long did it take you to learn R? I'm guessing some kind of statistics major, just wondering how much time did you need to get familiar with it?

>>10896032
All about self-sustainability. IMO it's not just about money it's about living more simply, more happily and with less stress.

Anyway yeah just focus on building your audience, doesn't have to be nichey. There's a whole community of blogger/youtubers/podcasters in the entrepreneurial subcommunity of FI so I recommend checking them out.

>>10888916
labor day is off!

>>10896007
Where is this house

All my coworkers use mechanical keyboards (I wasn't given one) and the sound is unbearable. There's no way anyone will give up their keyboards so is it pointless to even bring this up?

>>10896089
Luckily, neither my partner nor I care about living extravagantly. We've already been discussing how many different ways we can save money when we get the house.

I hope I can get this to work out for us. I'm heavily into fitness before anything else, so I could also start up a fitness channel alongside my website review channel, although fitness channels are probably more oversaturated than reviews.

Maybe a third vlog channel. I'd need enough money to be flexing though if I want views

Lads,, what to do about my wage cuck life? I subway to work every morning packed like sardines, we all get off with our fucking suits and briefcases at the same 2 stops where all the banks are, we all fucking work in cubicles and I can't stop staring at the clock, I swear to god the fucking clocks at work are rigged it makes NO SENSE how time can move so slow, oh so slowly, yet when I'm home it FLIES. I swear after sitting there for HOURS I look at the clock it's barely been 20 fuckin mins, once im home i lay down for a fucking second and it's 9pm!! I wanna fuckin neck myself, it's the same sardine can subway in the way home, all sweaty fuckin fuckers and THE WORST PART IS if you mention it, if you tell them about the wage cuck life you hate, they all say "but everyone has to do it" or the best I always hear "so many people have it way worse" and list bigger cucks who fight traffic 2.5 hrs each way for their wage slave. WHY SO COMPLACENT, WHY JUST BEND OVER?

am I insane?

>>10896099
https://www.zillow.com/homedetails/531-Geary-Rd-N-Lincoln-VT-05443/91993208_zpid/

The dream house, but even $400k gets you a lot in rural areas.

>>10896166
>Luckily, neither my partner nor I care about living extravagantly. We've already been discussing how many different ways we can save money when we get the house.

That's definitely the right attitude. Hope you find something that works. You could also consider part-time personal trainer on the side if you're into fitness, as well.

>>10896206
see
>>10895960

>>10889239
Oh shit fellow volcano bro. Man this device saves so much weed. You only need a little to get a high. By the way do you save your vape leftovers?

>>10896229
That personal training was something I had looked into before, but I didn't want to have to pay to get certified.

Maybe it'll change in the future. I'll probably do some powerlifting comps, build up my credibility and let more people know about me.

i just want to quit

>>10896237
Oh not only have I been working on becoming financially independent, I also want to become a PT (perpetual traveller) I do have a plan for now, looking what to do to cope on the mean time. Ultimately I'm looking to move to a low tax or even tax free country, even if its just my assets for residence Atleast 183 days of the year. Then when I spend it, I will spend in a "playground" where there's very low or no consumption tax, maybe even a lower cost of living too. As long as the income you generate is low tax or tax free and you spend it somewhere tax free, you are making the most of your resources living this way. Break the wage cuck life style is the first goal, the long term goal is to have a very solid foundation, and eventually asset protection to the point if someone sues me you can't touch my shit it's not even under me

>>10888916
>How has your perspective of things/the world in general changed as you've gotten older?

I literally used to think it didn't matter how much money you make. Now, I understand the importance of money and I'm saving 70% of my paycheck so I can retire early.

Story from yesterday

>Project manager asks me to stay late (like till fucking midnight) for a project I was put on that day
>Tell him I can stay till 7 this time
>Keep good track of my hours and make sure I get paid for those extra 2 hours
>All of that money goes into stock index funds
>On pace to retire at age 35

That dream of throwing my retirement party and basking in the envy of all my coworkers who stress out about work and seem to care way more than I do is what keeps me going.

>>10896283
Smart man, you definitely want to cover your ass when you make it. Whether it's through offshore shell corporations, umbrella policies or funneling into riskier intangibles like crypto

>>10896373
>I'm saving 70% of my paycheck so I can retire early.
>All of that money goes into stock index funds
>On pace to retire at age 35

Based and FIpilled, exactly what I'm doing as well.

>>10896407

Question: Do you tell people about your plans? I personally keep it a god damned secret at work because I don't think it's prudent to tell the prison guards about the progress I made on my tunnel. I told my wife and parents about it and they all think it's unrealistic, although my wife is extremely cooperative despite not being on board with me, in principle. It's so hard to deal with the naysayers I don't even bother telling anybody anymore.

>>10896379
Thanks man, to get the ball rolling you don't even need that much, depends on which jurisdiction you're trying to go for. Around 35k USD I'd say is solid for most mid level tax havens, not talking about moving to some tiny island either. Many of the carribean and Latin American tax havens have gotten a bad wrap since the Panama papers came out, many places just don't accept bank wires from these countries any more or they do extremely thurough due diligence for compliance even tho they have a very solid reputation and institutions with good track records, talking about places like BVI or cayman Islands where about 85% of the words hedge funds are incorporated. Now its all about low tax on shore jurisdictions like lietchenstien, Luxembourg, quatar or even macau but things are always changing, gotta be dynamic and ready to move if need be so its an interesting life

>>10896465
SO and parents know and are fully onboard and supportive.

I've told my best friend roommate from college and he seemed receptive too. Everyone else, no. I'd rather not deal with the "Oh what will you do with your time? What a waste of education and your prime working year" and of course the seething jealousy and anger that they've locked themselves into a cycle of perpetual debt and refuse to change their ways.

Overall, best to keep things for yourself. When I hit FI I'm telling people I'm a consultant and portfolio manager at a private hedge fund (my own of course).

>>10896465
>>10896509
You should never tell the normies, only your SO and family members and close friends you trust if you have that kind of relationship with them. Only my fiancee, my parents and sibling, and my only closest friend know. Don't tell normies

>>10896509
>When I hit FI I'm telling people I'm a consultant and portfolio manager at a private hedge fund

That'll get the seething jealousy and anger flowing for sure. I don't actually know what I want to do with my life after I retire. I just know I don't want to work.

>>10896558
Spot on.

>>10896574
>I don't actually know what I want to do with my life after I retire. I just know I don't want to work.
That'll be the beauty of it. You'll have the rest of your life to figure that out and find what makes you happy and not be slaving in the rat race. Above money, FI is about finding happiness.

>>10894823
> fiance treating you like shit
> not calling off the marriage
Fuck you, you fucking retard. If you go through with it, you deserve every bad thing that happens to you.

>>10894823

>My fiance
>She'll get it all in the inevitable divorce

You're not even married yet. That divorce sounds perfectly evitable to me.

>>10891436
>trying to eat under 700 calories a day.
Bump it up to at least 1600 and exercise. Don't fuck your body up anon.

Do you guys really think people enjoy going into work? I'm a bar tender and the job is pretty chill for the most part. I can drink on the job, talk to cool people and walk out with cash once I'm done with my shift. There are days where I'm really busy and I'm run back and forth. It can get stressful to the point where I want to kill myself.

I feel like everyone goes through these thoughts though. I mean I feel like once I finish my finance degree, I'll have days where I sit in the office and just think of ways to kill everyone and myself.
Do people really enjoy what they do with there life or is everyone just faking it and working to make it by in life?

https://www.youtube.com/watch?v=LZ34LlaIk88

Cheer up, It is soon a weekend freedom for a slave

quit my wageslave job today, if btc doesnt moon in ~4 years i will kms

>>10896373
>stock index funds
vtsax?

>>10897017
VTSAX is the Vanguard Total Stock Market Index Fund, yes

>>10897033
Do you think VTIAX is also good

>>10896976
Congrats. What will you do with your extra time now?

>>10897041
You will probably want to have both international and domestic exposure. https://www.bogleheads.org/wiki/Asset_allocation#Asset_allocation_portfolios

Alright good chat guys

See you all tomorrow morning

>>10897041
>VTIAX
It's not a terrible idea to add some diversity with international stocks, but I don't think it's essential. You'll miss out on gains during times when the US market is far outperforming the rest of the world, but you'll have a smoother ride during times when the US markets are down and other markets are doing better. Many of the companies within VTSAX are companies with international reach and are influential in many other markets outside of the US, so you're inherently already investing a good bit into the international indexes by holding VTSAX

I'm working right now and will be working until 8:00 a.m. for a total of 12 hours. All alone in a warehouse doing EZ-work like a vampire. Pretty comfy desu. Not gonna lie I took half an edible too.

>>10897064
How does 50% VTSAX, 25% VTIAX, 25% VBTLX sound? I plan to maintain this ratio forever

>>10897077
Oh I see...hmmm, how does 80% VTSAX, 20% VBTLX sound? It's either this or the 3 fund portfolio I mentioned in my other post.

>>10896917
Not much, sometimes the normiest of the normies may enjoy some days if they've well slept enough

>>10897096
>>10897104
Either one is a good option. Like I said I think you can go either way on VTSAX alone vs. VTSAX/VTIAX split.

How old are you and what is your risk tolerance? That will determine what percentages you should be allocating to stocks vs. bonds.

>I plan to maintain this ratio forever
You shouldn't. You should be re-balancing as you get closer to retirement and move from wealth accumulation to wealth preservation.

>>10891494
Kino post friend

>>10897157
>move from wealth accumulation to wealth preservation
I'm guessing more bonds?

>>10897207
>I'm guessing more bonds?
Yup, bonds are less growth/less volatile meaning as you add more your growth will slow down but you'll be less exposed to market fluctuations/recessions. This becomes more important as you get closer to retirement and want to start withdrawing your gains and don't want any serious dips to mess with that.

I personally don't plan on having any bonds in my portfolio until I'm at least 40, but my risk tolerance is quite high and any money that I invest I have no plans on touching for several decades. I'm ready to ride the ups and downs. However I know this strategy isn't for everyone. The more popular approach is to start at 90/10 while you're in your 20s and early 30s, move to 75/25 once you're mid career, and move to 60/40 once you're getting close to actually retiring. This with the first/higher percentage being the stocks.

>>10897252
How exactly would I rebalance my portfolio? Sell some vtsax shares and use that to buy more vbtlx? If I do this won't I trigger a taxable event?

>>10897261
You almost certainly won't have just one fully-taxable account. https://www.bogleheads.org/wiki/Tax-efficient_fund_placement

>>10897284
>https://www.bogleheads.org/wiki/Tax-efficient_fund_placement
Thank for the link but I want to keep it simple...I was planning to open a traditional investment account with Vanguard and that's it.

>>10897300
Thank for the link but I want to keep it simple

Do a target retirement date fund then. It'll cost you a tiny bit more in the form of a slightly higher expense ratio, but it'll save you the work of any manual re-balancing.

>>10897300
You're kneecapping yourself if you don't take advantage of tax advantaged accounts like 401(k)s and IRAs (both traditional and Roth).

And if you save a decent amount, you'll soon run out of tax advantaged space in those accounts. That's when you open up a normal, non-tax-advantaged brokerage account with Vanguard.

>>10897336
>401(k)s and IRAs
Meh...don't trust 401k and can't touch IRA until I'm 60...

>>10888916
I'm probably getting laid off early next year. CAN'T WAIT!!!

>>10896064

It took me about a week or two of working on a data manipulation heavy project to get familiar with the general tidyverse libraries which will be your bread and butter for data manipulation since it beats the shit out of base R.

I was an Economics major in college & took a relatively Econometrics heavy course load so I had decent background in regression analysis and statistical methods. That said, my professional experience with data manipulation in SQL & Excel played a larger role in how quickly I was able to pick up the language. R's dataframes are essentially just spreadsheets that you manipulate with code instead of cell specific formulas.

>>10897352
Even in the most Atlas-Shrugged socialist takeover fantasy, a 401(k) is more trustworthy than a straight up brokerage account.

You also can touch IRA money before you're 60, both through qualified withdrawals (e.g. house purchase), withdrawals of contributions, and 72(t) withdrawals.

Please do not fuck yourself out of thousands of dollars. It's disgusting to watch.

>>10897352
>can't touch IRA until I'm 60.
Nope. Look up SEPP/Section 72(t), Roth IRA Ladder, etc.

You can also withdraw Roth IRA contributions whenever you want penalty free. You just can't withdraw the earnings.

I've got the week off.

And I only work 4 days a week anyway.

Made 8K on stocks this week.

Life is good, FIRE by 30.

>>10897440
so stocks are you passive income?

>>10888916
In a bullshit position where I either drop all my classes or I can become a supervisor but at home depot. I am studying construction tech.

Its more money, but I am good with money and have savings- I feel like its forcing me into a choice that's unnecessary but their making it a linchpin. Gives me a bad feeling.

So, I can make a max of $15/hour until they maybe promote me to a position that has salary (years away I bet), or I push on through school, get out in a year or two and make more either with an aas or trade cert.

>Attended college finished most of my cores for bachelors (I might decide to go full bachelors for construction but not until that would make sense.)
>A+ and network+ certified (last job I did well and was promoted but I didn't like it- after Harvey inet was fucked for a while and home depot offered a bonus.)
>Fucked off and was retarded for a real long time
>Turned it around about 3-4 years ago.

Any thoughts?

>>10898311
How I see my predicament is projected Vs assured income.
Any gained income from education is all projected and has all sorts of variables, but this position is a set income at the present and gives experience.

But I hate retail, and have no interest in it.
Would this experience transition to other fields well?
Leadership is leadership, right?

>>10888916
i dont wanna be a wagecuck, wat do?