/biz/ - Business & Finance

>>10997032
you lost me at "first kiss"

Normies are disgusting
I wish I could kill them all

>>10997032
Thx anon, was already worried I have to think for myself. What chart of utter bullshit

>>10997032
Most depressing image I've ever seen.

>>10997032
I'm 25 y/o and I achieved everything except holidays with roastie.

Feels good man.

>>10997032
I did the first half almost backwards. Do I win?

>>10997032
Lmao 21 years of work experience and the goal is $40k? Is this <90IQ life or something?

>>10997183
40k$ is not very much in US
but in Europe it's a good salary to earn 3200€/month for a normie.

>>10997203
That's like 2000€ after taxes kek

>>10997217
>free healthcare
>free education
>cheap public transport
>not killed in the weekly mass shooting
europoors lol

>first kiss at 15
FIRST WORLDERS FUCKING WORTHLESS LOSERS!

I lost my VIRGINITY at the age of 11 with a 15yo girl

>>10997234
>free

>>10997032
I'm 30 and i finished paying of mortgage of my house. Did i do good?

>>10997183
It's British. 40k is like $55k US. Which is just about the median household income.

>>10997032
More like road to wagecucking

>>10997217
more like 2700€ after tax (in France)
it's what I earn for a year (from my job)
Median salary is 1750€

>age 30. Start earning AVERAGE wage
Ah, vai tomar no cu, OP
VAI TOMAR NO CU!

Who wrote this shit is a fucking piece of shit Jewish

>>10997164
but you've had kids with a roastie?

>amigo loans.uk
Imao, let the banksters tell you how to live

How to live like a goy.jpg

>>10997032
>"first kiss"
Degenerate.
>"full time job"
Guess so.
>L's
Already on P's
Own car, needs fixing though.

I'm hoping to get married by 25 and start a family.
Also start a business asap.

>>10997032
Actually pretty matched up with every one of these at 32

>>10997282
I'm 25, not 28.

>>10997291
>tfw AMIGO means FRIEND in Portuguese/Spanish
Kek

As a Brazilian would say "Amigo da Onça" (Palligator, two-faced)

>>10997259

>>10997300
>married
You are the degenerate all along

>>10997164
So you have 3 houses are retired and have 2 kids?
Nice

>>10997334
EVERYTHING FOR MY AGE
ARE YOU FUCKING STUPID ON /BIZ/?
WTF

>>10997032
Goym 101

>buy a (((BRAND NEW CAR)))
>*Price is Right music starts playing*

>>10997348
Can't handle a little banter can we?

>>10997066
This

>>10997330
Nah God wills it.

33 and done everything there so far except 2nd child. That said I'll probably be retiring in the next year or two because of health issues. Such is life

So after 10 years of earning below average wage, renting, and having 2 children, buying a brand new car.
You should afford your own house.
Bait for people to off themselves

>>10997032
Interesting that between 40 and 60 nothing of importance happens.

>>10997032
>life of a wageslave goy
two holidays a year?

>>10997444
It's advertisment for lending money, anon

>>10997032
>First full job with 19
19? What? In Germany, you start working full time by the time you leave school, which is between 16 and 19, depending on the school.
>Driving licence 20
I am 30 and can get around without one quite comfy. My boss (45) does not have one, as he dont need one.
>first holiday with friends 21
Why should this be an achievement?
>move out at 22
I am on very good terms with my parents but was eager to be on my own, when I turned 18. No one I know stayed with their parents until they turned 22.
>buy first flat at 27
If you enjoy being stuck paying skyhigh rates and interest for a loan at a young age, that is fine. But it is stupid as hell from a financial perspective in most estate markets right now.
>kid on 28
This just adds another burden on already overstretched finances, so no: not wise at all.
Managable, still - but not wise.
>buy first house with 29
With the first flat not being paid and having a little kid, adding yet another burden is straight dangerous. Most people doing this will end up broke, as soon as the first problems arise (divorce/unemployment/sickness etc.).
>average wage at 31
Ok, this is bullshit. If you earn below average with 30, you dont buy a flat and a house before. No bank gives you a loan to do this without adding crippling interest on top.
>new car with 32
What? Why buy a new car suddenly? A still not paid flat, a freshly build house AND a kid?
No one gives a loan for this and in no way is it possible to save much (or any) money under these circumstances.

I stop here now. This whole plan is ridiculous garbage from a financial perspective.
Not just a little, but I would say that you easily commit financial suicide by following it.

>>10997203
I am 25 and I make 70k USD

What the fuck is this shitty infographic

>>10997032
No wonder fertility levels are below replacement. (((Western))) civilization is a civilization of death

>>10997032
>age 37
>start earning 40k a year
Wut?

This is probably the worst infographic I've ever seen in my entire life.

>>10997032
Let's see. I'm 23.

>first kiss
Nope.

>full time job
I'm in college and working as a part time developer since I had been 21

>driving test
Nope. Not even started to get my licence yet. For now, public transport is all I need.

>holiday
I had my first holiday with friends in spain when I was 19. Get on my level, boomers.

>moving out
I did that at age 20. Again, get on my level.

>car
Nope.

The rest is not yet arcihvable, but if my parents cut off my life support, my salery would be enough to pay my rent and some food.


If I wasn't such a massive sperg, this image would not be that far out of reach.

>>10997032
Lmao brits are such fags

>>10997032
>age 37
>start earning 40k a year
u wot? That's less than my starting wage.

>>10997786
>I did that at age 20. Again, get on my level.
>but if my parents cut off my life support, my salery would be enough to pay my rent and some food.
Looks like you haven't moved out yet, anon.

>>10997772
This is the UK. Believe it or not very few people without a uni education like the chart implies ever get to that. It's made by a payday loan company which has set unrealistic goals to make people feel insecure and borrow money.

>>10997032
AHAHAHAHAHAHAHAHAHAHHAHHAHA

>>10997756
Yep. Here's 1500€ per month goyim, you save 300. Why comain? House is 300k. See, you can save the money in just 83 years. Well unless the house prices stay same for the entire 83 years heh.

>>10997796
I don't live with my parent's, but I still live on their gimmiedats. Which I don't really need since I have had my job, but I can't just tell them to stop giving me free money. If I did, I coudln't use my salery as a disposable income to speculate on crypto, now could I?

>>10997032
yeah
im doing whatever the fuck i wanna do *fucks a tranny*

Was thin chart made by /r9k/?
Get drivers license 5 years later than normal, strive for poverty tier wages, marry in the worst possible way, in just defies all reason. Kind of shit since I work 5 days a week but I'm making over 100k/yr. What kind of retard sets their sights as low as 40k? Decent goal for a 20 year old living in Alabama maybe, but wew. Almost sad.

>>10997798
You britbongs really are fucked eh? Seems like a caliphate will be an improvement.

>>10997825
(Same guy 3g cause banned)

Nah it's not really like that, I've spent about 4 years in cali. Min wagers are much better off here, skilled trades and low down office are better off here, decent white collar jobs are better in America and the good white collar jobs are MUCH better off in America.

Basically income isn't as dependent on education here and we don't have such a huge difference between the elite and normal, and no "poverty class."

>had sex with gf at age 15
>moved out at 19 for a few years for college (no debt)
>75k salary plus bonus age 25
>still living with parents

Just opened the website of these scamming fags.
As >>10997798 pointed out, they are indeed a loan company. And the most expensive one I ever saw. The charge about 50% interest on their loans. An expensive bank charges you about 7-8%.

This explains, why their "plan" leads to almost certain financial suicide. It is indeed to make sure some people feel insecure about their achivements so far.

>Don't go to college.
>Buy all the houses!!

yup, thats the life

nice try NSA

>>10997519
Idk about germany but in north america you can get a loan without a proof of employment or income. They just check your credit score

>buy first flat
>buy first house
>average salary

not possible without mortgage and living on debt is no achievement at all.

>>10997044
checked fpbp

>>10998231
it's advertisment for loans, anon

me

>12
first kiss (hottest girl in the school)
>14
lost virginity (same girl)
>15
first festival with friends (had sex with 4 girls at this point)
>15
made my first 10k with my online business
>16
stopped growing (6'2 height 8 inch cock)
>17
graduated valedictorian from my private high school
admitted to Princeton and MIT
business is worth about 300k
had sex with 10 girls (all 8+/10)
>18
started MIT (top of my class)
parents bought me a Mercedes
business worth about 1M
got into crypto
>20
net-worth about 10M now due to crypto gains
my current monthly girlfriend is a super model
starting another business soon

not bad I guess

>>10997032
>tfw got 4/5 before the 23and still no first kiss

>>10997032
that was the case 20 years ago
nowdays its just not possible

>>10997252
Congratulations, Mr.Third Worlder. Now don't forget to rummage through the trash so you can have something to eat tonight.

>>10997032

>Are you living life correctly

Implying there's a "correct" way to live. That's just describing the normie way of living.

>>10997032
I'm not sure how ages 27-29 are possible. You have 4 huge expenses all at once.
Buying an apartment, getting married, having a kid, and buying a house are 4 very very big expenses, all piled up together. How does one get through that unless they somehow have 100k+ saved by age 25?

>>10997164
I see Holidays With Roastie as a tragicomedy along the lines of Weekend At Bernie's

zoom fast pupper

>>10997032
>start earning 40k a year
>retire at 60

*breathes in *

AHAHHAHAHAHAHHHHAHAHA

>34, Become a manager at work
FUCK, I am 33 and there will likely be a manager position opening in the next for months. I've already had multiple people tell me I should apply, and it would be at least a 30-40% pay increase.
But I loathe the thought of having to spend half my work time in meetings, dealing with HR bullshit, and playing therapist / pretending to give a shit about all the incredibly petty bullshit my co-workers whine about. As it stands currently, I am able to spend 90% of my time on the computer doing pretty much whatever I want.
What do, /biz/? Is it worth it?

>>10997044
this

>>10999655
>thinks the next boss deals with him doing nothing 90% of his time

Dont do it. You clearly lack the foresight for this position.

fixed

>>10997044
>so much this

>>10999840

Holy kek

>>10999840
died

>40k
>Buying that many houses and "enjoying" them
>Basically getting it foreclosed on unless you start making more than a pitiful 40k and pass it on to your children
Mediocre as fuck. Also:
>Having kids after 30
The autism rates are going higher as we have kids later. This isn't a coincidence.

>>10997032
50 years old here. I had done all the first time cool things before 20 and I never did the boring ones.

>>10997413
based
>>10997330
unbelievably cringe

>>10997032
Would rather kms right now than follow this template

>>10999840
delete this

>>10997032

>The good goy guide

>>10997032
Shit according to this I actually am.

>>10997032

Pass driving test at 20? LMAO.
Who the fuck has the AUDACITY to bum rides for 4 years the could be driving?

>>10997252
That's why you're in the third world. Instead of getting educated and building a career you people breed like rodents at your first opportunity and then spend the rest of your life slaving away for pennies so you can provide for your swarm of vermin offspring.

>>10999840
>play MMORPG
>age 15
what the fuck

so fucking glad i became a software engineer. people don't earn 40k until they're fucking 37??

>>10999840
you've made my day just a little better :')

>26
>105k
>Rent cheap but decent quality apartment and live super frugal.
>begone thots

>>10997462
>wage slave 50 hours per week in a job you hate so you can support your fat wife and 2 kids
>become an alcoholic to cope
Fixed it for you

>>10999840
This is good.

>>10999560
zoom fast pupper

>>10999560
zoom fast pupper

>>10999560
zoom fast pupper

haha even in a perfect normie scenario, there are no milestones between 36 and death.

>>10999560
zoom fast pupper

>>11001508
I'm surprised they didn't include a reverse mortgage in there as well.

>>10997032
>>10997032
So glad I will never get married or reproduce.

Fuck that normie shit. That life template looks awful and boring.

>>10997032
>37 years old
>$40,000/year
whoever made this chart is retarded

>>10999840

you won this thread

>>10999840
thanks buddy, I needed this

>>11001677
>So glad I will never get married or reproduce.
I know, who wants to spend their life looking after drooling puking KIDS when they could spend their life doing fun stuff like playing vidya, smoking weed, watching NETFLIX, and hanging out at the BARCADE with the gang

>>11001838
Fuck off normie, only normies want to get married and have kids.

I bet you think the NPC-tier life in OP is something to aspire to. KYS

>>11001860
>Oy vey don't get married and have a family goy, the world is overpopulated and women will just take all your stuff
>Just Go Your Own Way and embrace hedonism. The future doesn't matter anyways because God doesn't exist and we all die eventually hahaha just be an individual and live for yourself

>>11001929
Nice NPC tier response. Very predictable.

>>11001937
>when the NPC has no self-awareness and calls you an NPC

>>11001937
Boy. Maybe it's a good thing you aren't reproducing

>>11001929
>Oy vey don't you care about the White Race™? You don't want to be a basedboy manbaby with no legacy, do you? You need to man up, marry a roastie, give her control over your money, and let the state raise your kids to be responsible like you! Then the world will be a better place, he he he...

>>10997032
>buy a brand new car
i sure love to throw half my money into a fire pit

>>11001967
>>11001979
>unoriginal fedora image from 5+ years ago
Yep, definitely an NPC

>>10998348
me

>8
>first kiss (hottest girl in the school)
>10
lost virginity (same girl)
>12
first festival with friends (had sex with 4 girls at this point)
>13
made my first 10k with my online business
>14
stopped growing (6'4 height 12 inch cock)
>15
graduated valedictorian from my private high school
admitted to Princeton and MIT
business is worth about 800k
had sex with 30 girls (all 9+/10)
>17
started MIT (top of my class)
parents bought me a Ferrari
business worth about 5M
got into crypto
>19
net-worth about 60M now due to crypto gains
my current monthly girlfriend is a super model
starting another business soon


not bad I guess

>>11002007
Hey bro did you catch the latest episode of Bill Maher? He really destroyed those drumph supporters and exposed them for the rednecks that they are, like usual hahaha

>>11002031
>The NPC assumes I'm an atheist and strawmans me as some liberal basedboy because I dared to question the value of reproducing
Wow, this NPC logic unit is really poorly programmed.

>>11002061
You are an atheist though, right? Agnostic at best. Don't lie now.

>>11002078
But anon theres no proof of gods existence and we shouldnt entertain baseless theories

>>11002078
This NPC is glitched, I just intoned to this NPC that I wasn't an atheist and he follows up with "You are an atheist, right?"

They REALLY should upgrade the verbal processing modules of these NPCs.

>>10999840
hilarious, kek'd and saved

>>11002105
You didn't answer the question. I guess that confirms it. Want to know how I know you're an atheist? Because all this nonsense about muh NPC's is just you projecting. Atheists, liberals, Democrats, they all speak the same way. They all have the same outlook on life. You are the programmed one m8, and that's why it's so easy for me to see right through you.

>>11002129
NPC dialogue needs a rewrite, it's just way too cringy at this point.

>>10999560
zoom fast pupper

>>11002158
You're really overusing that whole NPC thing. Meanwhile you still haven't denied that you're an atheist because you are one, because you have been programmed.

*Press A to try again, or press B to use another tactic*

>>10997044
bingo, I went off the rails early

>>10997032
>tfw 28 and haven achieved anything besides getting my drivers license at 18 but never had a gf or a job or moved out

>>11002205
Is there a console command to reset this NPC? It keeps spouting his scripted dialogue about atheism when I didn't even go through any atheist-related dialogue with it.

>>11002272

What is the enlightened player character position? Genuinely curious.

>>11002272
>m-m-muh NPC!!!1
A little self-awareness goes a long ways. Why won't you tell me what your religious beliefs are then? We're just two anonymous faggots on 4chan. What's the big secret?

>>10997032
this image is just lol

>>11002296
Uh oh, I think I agro'd it.

>>11002310
>still dodging the question
Ok, I'll tell you my secret. I know you're an atheist because you got triggered by a fedora meme, and because only atheists talk about not wanting children. They're the only people on the planet who lack a true sense of meaning in their lives, and are thus the most susceptible to Jewish memes about living for yourself and not caring about the future.

>>10997032
dream
>>10999840
reality

>>11002355
>this NPC is still glitched on the unprompted "I know you're an atheist because <reason1|reason2|reason3|reason4|reason5>" dialogue branch
Yikes, someone really needs to fire these programmers! This NPC isn't even believable as a real human being at all.

>>10999560
zoom fast pupper

>>11001929
>he thinks giving the jews more tax money in the form of income and taxpayers (kids) is going to save the white race
>he thinks he can be useful on dotr with a wife and kids at home
Lol.

>>11002380
Imagine having such a low IQ that you keep repeating the same vacuous comments over and over and over again like a broken recorder all the while thinking yourself enlightened

On second thought, natural selection will do its thing

>>11002412
Uh oh, I made the NPC set its status towards me as hostile. I better be careful or it might post another infographic about atheists it saved from /pol/ at me.

>>11002424
Not sure if this guy is actually retarded or just trolling but I hope he doesn't reproduce either way

>>11002424
>this triggers the atheist

>>11002355
whats wrong with being atheist? you think dedicating your life to a book of fictional tales written in the dark ages makes you superior? you're probably a pedophile like all the priests in your cult.

>>11002450
>>11002460
These two NPCs must be aligned in the same faction.

>>11002462
You have to go back

>>11002481
>>11002460
>The NPC keeps spamming le ebin /pol/ atheist images as predicted

But just imagine how much better you could do than this

>>11002481
1) I'm libertarian
2) this isn't /pol/
you lost old man? you forget to take your medication today?

>>11002500
>s-stop exposing atheism for what it is

>>11002516
So you believe in open borders and free trade, two policies that have all but destroyed our countries? Point proven.

>>11002518
~
MarkForDelete IGvRH87z

>>10997032
That great gap of nothing between 36 and 60 should be filled with "slave away to pay the loans I took from (((them))) to afford all this useless shit I didnt actually need".

>>10997273
based and redpilled

>>11002532
free trade yes, open borders no. anyway I'm not here for a political debate there are other boards dedicated to that I just dropped in to say your religion is a joke and you are delusional and likely a closeted faggot/pedo. if you want to help the white race you should sterilize yourself we dont need your retarded redneck genetics.

>>11002634
You sound like a totally reasonable person with a reasonable belief system. I tip my fedora to you good sir.

>>10999840
DELET THIS

>>11002656
>muh ebin fedora meme
NPC spotted

>>10997436
Retiring at 34? How much you have saved?

>>10997032

>Start earning 40k a year at age 37

I'm 25 and already earning 60k a year, my brother is 33 and earning 180k. Who the fuck is earning 40k a year at age 37 wtf.

>>10999840
kek'd
but how was 22 during the great meme war of 2016 but 27 when he discovered biz?

When yearly salaries like 40k are posted here is that implying after or before taxes normally?