/biz/ - Business & Finance

>21
>$10/hr 40 hours a week, $11/hr 20 hours a week
>2 grand in the bank
>about 2 grand in student debt
>mfw

>>11315058
You could be out of debt today anon.

Also not bad for 21. You're gonna make it.

Fucked status: Not.

>>11315066
thx anon. im only saving about $500 a month but its better than zero. you seem to be doing much better than most

>>11315019
That scene fucking spooked me out as a kid
Made me dread space

>23.75 years old
>mechanical engineering degree
>unemployed because HR discriminates against health issues (can't hide mine)
>living with mom
>$35k in debt, no income
If I don't make it in crypto by September 2019 I am going to kms

>23
>$10/hr 20 hours a week
>400€ in bank
>no debt

feels bad man

>>11315019
I'm exactly the same as you except I have 15k in crypto and I am 25

>21
>$120k salary
>$60k in bank

>27
>Salary 40k
>Banked 107k
>Lost 5k on options in past month
> Kill myself?

>>11315119
Losing 5K is nothing when you have 107k bro. You're fine. don't kys.

>21
>$11/hour, about 40hrs a week (but never over because they never give overtime)
>$1400 in the bank
>Minus $400 for car repair I have to do
>No debt

>$12,000 in tether

>>11315128
Mostly joking, I need to get my salary up a bit. Looking at 14% wage up this next month hopefully and a cushy lab job. If not, going to go high risk and try for a 52k job

>>11315019
>21
>1200$ autismbux per month
>90k in the bank 20k car and 8k watch
>3k in debt

>21
>no income
>1k in liquid assets
>no expenses

>>11315134
lmao

>>11315163
How to autismbux?

31yo
$120k w2 income
$40k wife cash income for cleaning
$50k in high yield savings account
$10k in crypto
$150k in retirment
$405k in 15y mortgage

Tfw, I may get a normal middle class life if nothing goes wrong

Tfw

>22
>13k income
>student debt of 12k
>credit debt of 4k, currently paying down
>no savings aside from 10k in crypto

I don't feel fucked. I have set up a monthly downpayment plan for both

>>11315163
>8k watch
they took one look at that purchase and decided you were eligible for disability

>>11315019
I'm currently looking for a silent investor for my trading company. Take 10k from ur bank and join the board of directors if u fancy a high level remote position on the side. Watcha say?

> inb4 scam
Thats not how contracts work
> inb4 buy link
I'd be glad to go over ur ROI and risk factors. U can draw ur own conclusions then

>26
>no job
>nothing in bank
>investments cover cost of living barely

its pretty comfy although ill probably pick up a part time to save up

>24
>35k salary
>5k in the bank
>1.5k in stocks (check NASDAQ:CBLK)
>2k in crypto
>currently saving $1300 a month
>...but no debt
>mfw

>26
>NEET
>$100 in the bank
> $60k Debt from student loans

>>11315336
>>11315280
>>11315163
JUST

>>11315322
>>11315176
>>11315175
>>11315169
not just

>>11315019
>35
>$13/hr, 40hrs wk.
>$10k bank
>currently saving $0 mo.
>$180k denbts (house)
>12 BTC
t. Boomer

>>11315357

i don't feel justed

>>11315099
What's your health issue bruh?

>27yo
>68k salary
>25k in crypto and I add 500/month
>30k student loan debt and I pay off 500/month
>anything leftover is for bills/expenses

Kinda comfy. Wish I had sold the bull run and paid off my student loan debt though

>27
>60k
>5k bank
>3k crypto
>140k owed on mortgage
>15k owed bad business debt

Kill me

>>11315019
>23
>2nd Lieutenant
>work with dipshit NCO’s
>3k/month
>10k in bank
>no debt

29
3.4k€/m
215k€ mortgage
5k in crypto
4k savings
divorce goin on

>>11315465
That is your generation's problem you all want handouts. Why don't you kill yourself instead of asking others to do it for you you fucking communist.

>20
>~$25k
>$500 in crypto, dumping paycheques in biweekly
>$1700 in assets
>No college or education

A-am I going to make it?

I'm 29 and make $140-150k a year.
My net worth has fallen by $60k since May of this year. Fucking crypto

I thought this board was filled with NEETs, what the fuck...my life is a lie

>>11315019
>27
>30k Salary
>8g in the bank
>Currently saving less then $200 a month
>~50-65k in debt, not really even sure at this point


Kill me

31
No job
Welfare: 980 EUR/mo
1000 EUR in savings
19.000 EUR Debt

>>11315019
Money problems are never really "problems."

It's always health.

Insomnia Anon here, I havent slept more than 3 hours in 6 months. I'm loaded but what difference does it make? I damaged my brain with stims and hard drugs and now probably will never sleep normally again. Can't enjoy shit.

I'm sure there are other anons who are in similar boats as I am. They know. if you're young and healthy and have decent genetics you are never fucked unless you decide you are

>24
>300k EUR in crypto
>no job

>>11315099
are you eyeball anon?

>>11316618
This so much. Just think - how often have you heard people say the phrase "it's just money"? It sounds like a meme, but probably more than you can count. Have you ever heard anyone say "it's just your health"?

>>11315200
Reported for advertising

>>11315019
>24
>No job
>Nothing in bank
>Saving nothing
>No debt either

>>11315336
>this but 6 more years and $60k more in debt

>>11315019

>27 grand
>In the bank

Get that shit invested

My situation:

>28
>65k salary
>Stock investments combine to about 70K
>6K in the bank
>240K mortgage debt
>Wife makes about as much as I do. I make house payments and she pays for everything else.
>All of our surplus goes into extra house payments and stock index funds

>21
>eastern europe so everything is cheap as fuck
>on and off bar job, about 5$/h, on and off accounting job ~8$/h but there's little to do every month
>3rd(last) year of equivalent of bachelors in econ
>0 debt, about 800$ savings, sub $200 folio in crypto
>living with parents because accounting job is done for them and hey its fucking cheap
>no drivers licence yet because cba, can't afford car anyway

after that bachelors im either picking up entry level job somewhere or i borrow some cash and study further abroad, although defo cant afford good us or uk unis

tips appreciated

>>11315019
>23
>landscaper, 10.50$/hr
>19MM HOT and 10k XRP
>no debt

no aspirations for any other wagie job either. my shit moons or i will be mowing boomer lawns until i am a boomer myself

>be 24 life is great
> get schizoaffective disorter(bipolar schizo mix)
>lone bin 4 years
>forced to take drugs go instant insane without them
>basicly chemicaly lbotimized
>droped 20IQ points
>live on welfare 1200Dollar a month
>900dollar for appartment
>depressed but
>I started drawing
>things get better start to work a little
>family company
>started making programs on pc
>fast forward am 29
>I am happy i went mentaly insane
>I couldnt be happier that i started to draw
>invest in crypto learn a bit her and there
>pretty happy with life

life is always an uphill battle. and i love it

>19
>100 - 500 depends on how good the sales are
>15k
>no debt but lost in life

>only 40k per year
>30k in crypto (used to be 200k... JUST)
>20k in stocks
>a little bit of student loan debt like 4k but IDGAF the interest rate is so low it's easier to make the minimum payment and put more into retirement

I was looking forward to getting more stocks from Amazon but niggers wanted 15 an hour instead, so Amazon got rid of our stock benefits

>>11315421
>>11316722
Yes.

>22
>???
>0 in the bank and a lot of things to pay
>saving 0, have to hustle to pay rent, food, everything else to my younger brother and to afford chemo treatment of my cousin
>Got into some real shady and dark dealing, if things go wrong I'll just be killed

>???

I'm doing two graduations, without proper sleep, getting stress 24/7 and with thoughts that dont go away that I have to search more things to do, I dont know where this road will take me, I just know I have to hustle and I dont have other option.

Old photo, wish you guys a good weekend.

>>11315571
This is the kind of content I am here to see

>>11317241
take care favelanon hope you can Profit of the LoL account one day.

29. £6k a month after taxes. £246k in bank. £48k in debt.

>>11317372
I dont sold it bro, thanks for the gift.

My younger brother is actually playing on the account.

>>11317407
bullshit
>From 30 January 2017, the deposit compensation limit is £85,000.
>Deposit protection limits |FSCS

>>11317436
Thats great. Keep making threads when you have the time I love them(even tho i can see the extreme missiry and horrible state of the place you live))

I will never go to Honduras again free atleast

>>11315019

>25
>40k Yearly (Paramedic, shit tier company)
>18k in liquid
>2.5k in stocks
>7k in crypto, another 40k ish opening up after a certain exchange launches.
Oh yeah and
>7k credit card debt 0 interest
>paid off car and bike, no house yet renting unfortunately.

>>11317462
Great to see you again bro. I think until the end of year I'll already have atleast some income and can study and focus on that.


If you have a job I can do just tell me.

>>11315019
>25
>Accountant, 65K
>saving only $500 a month
>2k in credit card debt (so not really debt)

>24
>6.5k a month after taxes
>-800 a month expenses
>50k investments
>10k savings
>110k links

Will I make it?

>>11317557
I will hit you up if i can find something, iin 2019.

take care last image before i go to bed.
and
Favalanon, life is hard you know it, and cause you know it. your far ahead the rest of the world

19
11.30/h (aud)
45-60 hour week
No debt
10k in crypto
Doing fitter & turner/machinist apprenticeship

>28
>$1200 autismbux/month
>$18/hr part time job
>$20k in bank
>$30k car, $2k computer
>no debt

I'm pretty comfy

>>11316618
Good health is the best kind of wealth.All other problems can be solved. I am middleaged and have chronic pain. I'm even worse off than you as I am not 'loaded".

>>11315099
What’s your health issue you can’t hide?

>>11315019
>18
>no salary
>$16k in bank
>$300k in investments

>30something
>I left a comfy job to pursue a freelance venture, worked on my own project hoping for recognition and awards, even.
>Got recognition and awards
>Lots of people contacted me, lots of potential collaborations, people congratulating me on my work
>Lots of praise, no money, most of them talked about future projects but didn't offer anything concrete
>I'm emptying my savings and still nothing solid on the table, considering cashing out my crypto cause I will need to, soon.

This fucking sucks, I was freelancing some years ago and I could get jobs so easily and I wasn't even half as good as now.

>>11317557
Falei pra você cara, encontra a igreja de Jesus Cristo dos santos dos últimos dias, ajudará você

>>11317436
Cara, mora onde? Escapei da CDD no Rio. Também morei no complexo alemão. Não trabalha com os Traficantes ou drogas, vai morrer

>20
>25k salary
>5.4k in bank
>no bills
>no debt

so glad I joined the military out of high school, my job is so fucking easy

>>11317817
Freelance what? Markets change I guess. Keep at it fren

>no degree
>no debt
>40 hours 12$ + shitty tips at starbucks
>25
>no house
>living with my mom and her cousin whose a boomer and constantly tells me how entitled and selfish i am and how i screwed my mothers life
>400 bucks in crypto, down from 1.5k
>2k in bank

why do i even bother

just

28
86k salary
6k in crypto
70k in 401k
11k in savings
1k debt

Doing better than most I suppose.

>>11317609
This is probably a fucking LARP but you're 24 and earn 10k more than the average american household. Also you have approx 100K in savings.

What do you think dipshit?

>"So everything looks good bro but I have to ask. Why were you unemployed for the last couple years?"

>>11318074
>I was playing with imaginary internet dollarydoos
I will probably have to use this excuse unironically.

>>11315019
>28
>20k salary
>100k in the bank
>saving 20k a month
It's nice living at home

>>11318167
*20k a year

>>11317241
Where have you been, amigo?
Once I make it I'll help you escape that poverty-stricken shithole.

>>11318074
>"Oh I was working at HR in Toys R Us but I just took it out because I thought it wouldn't be a good idea to leave it in now that they're gone."

Chess.

>>11317993
Not LARPing brother.

I've been working full time for 3 years and go out of my way to not spend money. Hence $800 monthly expenses.

Would've had more though if I bought ETH at $10. Bought 110k linkies to redeem myself :).

>27
>22k per year
>45k in various investment accounts
>35k linkies
>still owe 30k on my house
>will need a new vehicle in the next few years
>mfw

>>11315099
>tfw bad at interviews and not super gifted at anything

>>11315099
Start tutoring kids for money

>36
>minimum wage
>2k link

>27
>30k in savings
>7k in crypto
>40k salary
>80k a year in side hustles
Could be a lot worse lads the side hustles won’t last forever but fuck if I can stretch it long enough to buy some rental properties and escape wage cuckoldry that’s enough for me. Waiting for BTC to crash and gonna buy a whole one, we’re all gonna make it.

45
90k salary down from 130
400k in cash,stocks and home equity
285k in 401k
Pension can retire in 6 years
No debt

>>11315019
>30yo
>48k income, 62k when including benefits
>75k in bank
>saving about half my income every month
>no debt for a few years now

The problem with wagecucking is how much it bums me out thinking of the life I could live if I was already financially independent at my current age. I think I'm gonna make it, but I so badly want to be there now. Every morning I have to convince myself to crawl out of bed and fight traffic and deal with bullshit for eight hours. Is it normal to feel this depressed about career life?

>>11315527
Kys butterbar

>>11315019
>30
>Unemployed
>Fell 25 feet at work, broke foot, nerve damage in shoulder, chronic long term pain.
>15k in debt
>200 USD in savings
>700 USD In crypto
>Have a kid, wife wants another.

>>11318303

What is your side hustle?

>30
>115K salary
>200K net worth
>30Kish lol wifes student loans
>have 1 kid want at least 3
>used to living in the woods freezing at night and doing manual labor

hope you guys know we're living in the roaring 20s of the 21st century. I hope the bull never dies but be prepared to eat human flesh in your lifetime.

32 years Eurofag here

> $180k in bank
> $26k salary as dev
> $10k in lowcap gems in crypto
> $150k home already paid
> $10k car

I hate my life and want to kill my self

29 year old Leaf.

>Make short of 40k
>Work in Hospitality industry
>No debts
>Live in parents home, drive parents car
>Have $1.2 million in bank generating $6000 a month, and its compounding
>Got that $1.2 million from real estate, parents helped with down payment, I paid the mortgage, the value increased almost double after 5 years and then I sold

I'm comfortable but worried about my career prospects (not sure what I want to do in life) and I feel like I am wasting my life with my hospitality job.

(No I cannot live off the dividends that I get, because of inflation and the fact that I want to retire when I'm 40 with $3 million in the bank).

>>11317819
>>11317834
Oi, eu lembro de você. Não tenho opção, tô tendo que pagar a quimioterapia do meu primo, aluguel e outras coisas.

Tá vivo?

>>11318182
It's fine bro, its fine..

>>11315174
Basicaly convince the gubbiment that you have a physical or mental ailment so they gibs u money.

I was suicidal about two years ago and they have it on record so I'm lowkey trying to see if I still qualify and throw some kind of shizo story in with it but I have a full time job and another part time job so I'm not sure if that disqualifies me.

>>11315019
>21
>35k salary, 40 hours a week
>3.7k in the bank
>saving 1.7k per month because I still live at home and have no hobbies and live in solitude for the most part
>no debt
>no college degree
Compared to where I was for the past 4 years (NEET), I'm fine with it for now.
The job is mostly solo driving and I don't have to deal with any customers directly which is far better than other unskilled jobs that I had previously applied for, but I'm still a filthy wagie.
I need to seriously stop procrastinating and spending all my time consuming media if I want to make it by my mid 30's though, I have vague longer term plans but haven't really gone into specific detail with what I need to be doing each day to achieve my theoretical goals, and mostly feel too overwhelmed to take my goals seriously as a result.

>>11315368

How the hell did you qualify for a $180k house at $13/hour?

>>11315019
>22
>probably will make $25k this year
>around $3k stashed away
>no debt

i am failing miserably. been thinking about getting a massive loan and just going for it. claim bankruptcy if i fail.

>>11315114
What do you do?

>>11318596
Unlucky dude. Best of luck with your struggles anon

>40yo
>~35k in bank
>20k cash in safe
>10k in stocks, grown 3k in last 3 months
>house worth 625k
>2015 truck paid 2018 car 335/mo
>hella pot
>brew my own beer
>life is good

>>11318938
Thanks Anon. I really don't want to go on disability, but I don't know what to do at this point. Been off work for going on 11 months now.

>23
>200k salary
>down about 2k on my normie boomer stock investments
>100k net worth

idk, think I should buy some crypto but idk what to load up on.

>>11315175
>if

>>11315019
>valuing his wealth in fiat
>not valuing his wealth in tangible assets
>not going to make it

>>11319019
Buying unto crypto now is like buying silver at 20$
Why not wait for the 40% correction from here?

>>11319517
Only holding XLM, bought in around July at 16¢ Not a huge investment, used money I had set aside for a gaming PC anyway, so I wasn't worried if went tits up. Worst case, I spent money I was going to waste anyway, seemed like a no brainer.

>21years old
>5k in bank
>3k in crypto (it was 30k in jan. FML)
>5k in stocks

No income because im a student

>>11315019
>27
>wages vary, might equal out to be roughly 70k a year
>only 20k aaved after 9 months
>shitcoin portfolio of 25k
>10k in various other investments
>physical and mental health deterioating rapidly
>zero chance of home ownership in my country for the foreseeable future
>35k in student loan equivalent

Yeah im well JUSTed

>>11317443
The bank also holds my investments, it's not all cash.

>>11319910
>70k a year
>JUSTed
fuck off

>>11320071
liar

>34
> wife (doesn't work) + kid
>no income, no job, no prospects (since jan, long story)
>300k in crypto
>700k in stocks
> 1.2 million in real estate
> 100k loan yielding 6% (I loaned to someone else. secured.)
>600k mortgage
>10-12k burn per month
>40k more assets (gold/cash)

I'm "well off" but i feel absolutely fucked. i can't find non min wage work.

>23
>32k
>2k banked
>8k debt to family

>>11320103
>all that money
>still craves the wagie life
oh honey no...

>>11320103
how did make that money? what is your job

>>11315019
>23
>Electrical Engineer 1 yr of experience
>31k salary
>saving whatever gets left over when new paycheck comes (about $500/month)
>4k on bank account
>20k in student debt

>10k in Quantum resistant cryptos (mostly QRL because that's the only one with real promise)
>5k in ETH

>>11319034
>200k at 23

I'm assuming LARP, but just in case it isn't, did you legitimately earn that position or was it a silver spoon type situation?

>>11320203
I have no job.

I'm not going to say what I did because it could out me but as an analogy imagine a ballerina or maybe a drug dealer (what i did was legal). I had a very lucrative nontraditional job that was very niche and took a lot of skill to do, i know longer have the skill to do it (like a 35yo ballerina or an NFL bustout) and I have no resume or traditional job experience and I'm on 4chan right now so you can guess how personable I am. I had my run, my run is over. its a lot harder than people think it just start over. "start a business" isn't that easy when you've never worked in any industry and have no connections. for example, i'm barely qualified to be a dishwasher, i'm a smart enough to know that i shouldn't be starting a restaurant if i don't know anything about what goes on behind the scenes in a restaurant.

>>11320197
do the math.

2 million doesn't get me there unless i want to live your pleb lifestyle. i need one more score.

>living in europe
>factory job
>28k after taxes
>1,5k in crypto
>4k student loan debt, no interest until 5 years
>saving 1-1,5k each month

>25
>22k salary
> 25k in the bank
> No debt

>18
>$18/h $27/h on sundays
>10 hours/week
>$5000 in index
>$5000 in bank
>$200 in crypto
>no debt but soon...

>>11320278
start a business or something you cuck

>25
>75k salary
>5k in bank, 1k cryptos, 9k stocks
>4400 debt for car
>free rent starting this month
Planning on setting aside 2.5k /Month

>>11315280
What kind of investment are we talking about?

>>11320292
If you have no interest for 5 years for that loan, set aside money for it in a high interest savings account or a CD

>31
>60k salary
>500k bank loan
>220k in stocks and bonds
>130k in crypto
Forecast to make it with crypto is looking better than ever.

24
40k salary
10k in bank
saving 1-1,5k a month
3k in crypto
130k mortgage

kms

>24
>140k salary
>33 grand in the bank, stocks worth 150,000
>currently saving $6000 a month
>...and I paid off all my debt.
>mfw

I literally went from being broke and almost on the verge of being homeless after my company laid me up to a friend reaching out to me out of nowhere and saying he needed a IT Manager for his new business. Fast forward two years, your boy finally back on his feet and paid off all his debts. My friends, always remember, money comes and goes, but your time doesn't. If it seems bleak and hopeless now, just keep putting your time into productive things and network because your time will come.

>>11320090
Lol, what do I have to gain here by lying, you broke fag

>>11315019

39 yo. 3k in crypto. Unemployed. 10k debt. How am I doing?

>>11320591

Not necessarily. Sometimes, shit just gets worse. And then you die.

>>11315019
Same as you op but 100k salary

>>11315019
>19
>1800€ in Cash
>3200€ in Stocks
>300€ debt

How fucked am i?

>32
>£40k salary
>£14k rental income
>£2k in bank
>£2.5k on credit cards
>£4.5k overdrafts
>£6k owed in tax
>$74k in crypto
>$280k at ATH
>MFW

>>11315571

>>11315571
based

>>11315019
>22
>43k salary
>1.2k in the bank
>saving $800 a month
>3.2k in debt

>>11315019

>24
>70k$ Salary
>95k$ In Bank
>20k$ In Crypto
>No Debt

Am i Fuckt ?

>>11317690
H-how do you get autismobux AND hold a part time job?

Teach me senpai.

t.26

>24.
>129k w2
>125k nw

100k link
3btc
33eth

>>11320306
How's work at Costco anon? Did you bag groceries for the imaptient NPCs or handle the till?

32
No wage / no income
No savings
Own a business.

>>11321330
And a master degree in tax law.

>25
>70k per year
>Zero debt
>30k saved up in 401k, 2k in the bank
>Depressed so tried to use retail therapy, recently got out of that funk, so savings are kind of all over the place

Would have been much more savings if I didn't buy a new car, but it still makes me happy even after a year has passed so it doesn't bother me. Wish I didn't abandon most of my investments though...

>26 & married
>Joint income ~ 140,000-150,000 USD
>No student loan debt; only 12k car loan that can be paid off at any time
>75,000 USD currently saved
>Saving 60-70% of after tax income per month

>>11315019

>26
>66k Salary
>70k Net Worth (Cash + Stock)
>Saving 500-600 a month (not enough)
>No debt

>>11320272
>accredited investor
>didn't participate in the Hashgraph presale
Up your autism game, bucko

>27
>18k but probably less
>5k in the bank
>saving 300 a month
>7500 in student loans
>work 32.5 hours a week (they cut my hours)
I'm doing better than I was a few years ago, this is me getting my shit together. I was neet for the longest time and never saved more than 200 bucks before. Just need to figure out how to make a decent living.

>32
>~$230k average depending on bonus
>$50k in bank
>$410k in retirement accounts (combo pre/post tax)
>Saving $2k cash and $7.5k in retirement / month
>$310k mortgage on a $450k house

Thank fuck I invested a lot of money in 2009 and cheap. I probably have/had too much money in cash but I have always been paranoid about some event wiping me out. Getting financially independent is all I care about.

>>11315019
>29
>no stable job
>30k in the bank
>10k in crypto
>barelly enough money to survive
>no debt
>but 3rd world
Absolutely fucked.

>>11315019
>25
>~1k in the bank currently
>$10/hr 40 hours a week
>If I really try I can save $400 a month
>No debt

I wish I had more money for security but I guess I'm doing fine

>20
>No/negligible salary
>Student (~12k debt by graduation)
>5k savings
>170k in crypto (down from 710k in 2017)
>50k in assets (car and personal belongings)
>Living on my own since 17, no chance of support from family if I go broke.

I think I have a decent chance of making it, however there is no safety net if I go broke. Just the disappointment from anyone who believed in me.

>>11318074
Family stuff. You know how it is.

>24
>med student
>already known to tens of thousands, in not hundreds of thousands of people for my research
>my biz pulls me 100k+ profit per year with no time investment, considering selling it for 500k or more
>savings of 150k
>wife from old bourgeoisie, 10/10 virgin qt3.14, literally the most virtuous person I've ever seen and she makes me want to get even better so I am not ashamed next to her
>have very few close friends I'd kill for
>am sociable with thousands of people
>pretty hot, I guess, I've had hundreds of girls hit on me

What am I doing on /biz/?

I don't really enjoy socializing with anybody but my wife and 2-3 of my close friends and they don't have as much time as I do.
So I spend a lot of time on /biz/ and arguing over the internet with people I'll never meet.

>>11322323
Larping faggot.

>>11315175
I have a friend who does cleaning for cash also. You know she’s cleaning dick right anon? No cleaner has ever actually cleaned anything else for me. Ever.

>>11322340
It indeed lifts my spirit a lot, when my success is unbelievable to some.

>21
>internship just ended
>7k in crypto

How do you guys cope with the depressive realization that you probably aren't intelligent enough to earn six digits a year by late 20s?

>nearly 26
>worked 4 years roughly 65k a year average
>no expenses parents let me live at home, roughly 100k savings, a rental house thats profitable back in the states managed by parents for a cut

>no longer sure what im doing with my life, moved to japan for work, total salary roughly 60k usd equivlant, started this year

I really just dont get life at all. I guess money can keep you from being unhappy but i cant find happiness.

Strong feelings of wtf am i doing.

Advice??

>>11322598
Tbh better than me. 0$ savings. NEET.

Least you get to work and live in Japan, with the fancy fucking toilets.

>>11322378
Post pics of qt wife pls

What's your biz? Why sell for 500k when it makes 100k a year ez?

>>11322640
Life is life man...

I got used to it here and it lost its luster in under 2 weeks.

Theres plenty of downsides and upsides.

It might sound stupid but as long as you have food water shelter health, happiness isnt correlated with money.

If you wanna teach english somewhere i bet you could make it.

China korea indonesia all just take anyone.

>>11322323
>40
>went into 85K debt because of a really bad college choice, masters degree at age 36
>unemployed going on 4 years
>retail job 10.50hr + commissions which shows how fucked up my college choices were
>saved up 30K thanks to mom and dad who were understanding
>turned into 52K in stocks
>would be ~90K if I didn't hold ALT and IGC too long
>no assets really, no car, no kids
>this is all I got or suicide
>currently into ALT and good chance tomorrow it'll begin its way into tripling and I can pay off student loans

>>11322655
That would not be respectful towards her.

My business is extremely niche, so it would be too easy to look me up based on keywords alone, let's say the field is chemistry.

Unfortunately, the business is so niche that there are not really buyers willing to pay fair price ( 750k imo). Tbh one buyer flanked at 400k about a year ago, when the profits were lower.

It's also high risk as it's highly susceptible to change in government regulations and requires highly skilled personnel. Such personnel is not easy to find. The most value in the company is my experience and knowledge. Sorry I'm not able to word it better.

But basically selling the business would let me to pursue my hobbies while having the financial independence, my goals are as following:
1. place to live in a capital of the country I reside in and a place to rent over there as well. Hoping to hit this before 27. If I took on mortgages, I'd be able to do it now, but I honestly believe, that waiting a year or two can lower the prices and risk considerably, while I'll be able to strengthen my financial security.

2. spending time with my family and friends and letting my wife pursue her hobbies and dreams (own private medical practice, painting [so an atelier]). Hoping to hit this before I'm 30, because that's when my wife will be able to start a practice.

3. independent research and teaching. Basically doing it now, but I don't have enough time for it, as medical school is hell.

4. hobbies: flying, mountaineering & skiing. Thinking maybe owning a nice cottage in some wonderful Ski resort. Also my family lives all around, so renting a plane without having to think of monetary constrictions would be nice.

>JewUS government
>$180 trillion dollars in unfunded liabilities
>pay my denbts fucking goyim

>24
>75k
>8k cash, 8k crypto
>1800 cc debt no interest, 20k student loans

Am I fucked?

>>11322831
+4500 retirement

>32
>self employed
>just sold my company
>26m in bank
>~300k in crypto
>700k in mining hardware (valued now at 300k).

Never had this much money, will buy a new house soon and probably go into business with two friends.

>>11322804
knock your wife up so she dont go crazy
keep business especially if niche so you dont end up working for the company you started as an employee

>>11323024
not yet. I'll give it a year or two at least

With the savings I have plus 0.5 mil I can easily retire over here. I spend less monthly than the minimal wage is over here.

I don't really spend a lot of money. Honestly taking a walk and sleeping a lot are luxuries that I enjoy and those are free.
Reading a book or having a pint with my friends is cheap as well.

Med school taught me to enjoy stuff like that. .

>>11322378
>waah feels so good when neets dont believe me

>>11322804
>muh can't post proof because I will dox myself

Both these + long bullshit story
You are the perfect example of a LARP
post some fucking real proof of anything you are bragging about or fuck off you lying faggot

>>11322851
What kind of company?

>>11323671
Yes, because anybody who means something will post potentially incriminating information on Mongolian basket weaving forum.

It's being that stupid why you have not achieved anything in your life. You know. Thinking into consequences.

>24
>£32k GBP (equivalent in US would be something between $50-60k)
>£3k in savings, realistally could save £1.3k a month
>student loan debt (pays off around £100 per pay check)
>Credit card but 0 debt

Think I'm OK for now

Soon to be multimillionaire

>>11315019
>22
>Work hourly so anywhere from $6k to $20k yearly, obviously much closer to $6k
>$10 hour ranging from 12-40 hours
>$15 in account
>$1500 in credit card debt
If I didn't have scholarships I'd probably kill myself. I don't know why I eat out so much but its literally killing me


Oh shit I also have about $100 in foreign currency that I keep forgetting to change over, depression can be a bitch sometimes

>30
>85k a year
>-$1000 in bank
>$150k in debt
>40k in a 401k

Ready to die Captain. Wheres the reset button

>>11323776
Lmao there is nothing incriminating about posting even a balance of your bank account or statement. You are the one bragging on this basket weaving forum but providing zero evidence.

You don't know anything about my achievements so you shouldn't make assumptions

>>11324512
>£32k GBP (equivalent in US would be something between $50-60k)

Brexit's being fucked up so badly and the Fed's hiking rates so rapidly that's actually like $40k.

>31
>$14.96 an hour, 40 work week with shift and night differentials
>Typically have $1200 in the bank
>Rent's $650
>Roughly $45,000 in student loans

Having a gf who's always having money problems sucks. Gonna cut her loose soon.

>>11322804
You have your PPL?

I got like 50 sum dollars.

>>11321272
I'm glad you asked. The way autismbux works here, they garnish your disability payment depending on how much you earn. If you earn over $200 per month, they deduct 50% of your disability payment. You get $100 bonus per month for being employed. So to make the most money for the least amount of work, you only have to earn around $400 doing part time work.

>24
>65k salary
>9k debt
>0 in the bank
> not saving anything, just chucking as much money at my debt as possible

I will be happy when my debt is paid off in 6 months

>>11315019
The fact that this thread is still going tells me how dead this board is.

> 26
> 30k salary
> 0 debt
> 40k in bank, 11k in a Roth TSP

Military wage slave has its perks I guess. Not too many bills that aren't subsidized. Doing better than a lot of my peers for less than 4 years.

>21
>40k a year plus bonuses as banker
>2k in savings but paid off car so 0 debt
>can now save around 1k a month
>just have to pay for college since I need the almighty bachelor's degree to move up further and make real money despite having the best sales in my region all from relationships and not hard selling.
Fuck college and boomers telling me I have it so easy. If I could work in a factory and buy a house 2 years later I would. Instead I work 40 hrs a week and take 16 credits at night to get ahead

>just turned 22
>$12k in the bank
>About $10k in assets
>Work from home, need an office.
>$0 in credit card debt
Need to get a good CC. Any suggestions?

>>11327405
Paypal mastercard, 2% cash back on everything.

>23
>burger in mid south.
>just graduated bachelor's
>making around 35k/year
>10k in bank
>1.5k in robinhood
>reliable car worth about 4-5k
>about 2.5k in other random assets, tools, etc
>no debts
>live with parents, buy my own food, phone bill, insurance, etc, spending maybe 250$-$500 a month, rest gets saved.

What do i do now? I guess im just working to save up 30-50k and get a house? Should i get a masters?

Im also occasionally buying more tools and other things that i can use to save money or make money on the side.

>about to turn 23
>44k salary
>14.5k in stocks
>13k in crypto
>live with parents, no debts
>save 75% of every pay cheque

when should i move out bros

>>11327613
>>11327981
both of you are doing great. there's nothing wrong with living with your rents, especially when you're putting away all that money. next step: increase your skillset or market value. keep saving. don't fall for boomer car loan memes / the hedonistic instagram ways of your peers. you will make it.

>>11322323
Weakest larp I’ve ever seen

>>11327405
What do you do to work from home?
Writing as a side income right now, I want to full-time it.

>>11328054
thanks anon. sometimes i get bummed out seeing everyone i know living on their own already, but there's just no other way to save this much money. all i really want to do is retire early and break the bullshit 9-5 grind that is so ingrained within our society. i will live like a monk and keep climbing the ladder. we are all in this together

Sometimes I get down on my life and career but it’s amazing to see how poor most people are.

>>11315280
That ID
>sob gf

>>11328223
I couldn't imagine how much anxiety I would feel if I had savings or security in my life, which is how a significant population of the world exists.

>>11315019
>19
>8.55/hr
>70 in the bank
>no debt

>hopelessly autistically alone, not smart enough for college, to weak for manual labor.

>>11328212
>sometimes i get bummed out seeing everyone i know living on their own already

what you don't see is how much of their ability to generate wealth is being suppressed.

let's say your friend pays 1k/mo and puts away $500/mo. you put away 1.5k/mo. After 5 years, you have 90k and your friend has 30k, not including ROI / dividends. that's HUGE, you now have a fat portfolio and enough for a comfy down payment. your friend has 30k and a sense of independence.

>>11315019
>32
>180k Household.
>Married with a 3 month old.
>10k in crypto, 10k in savings, 20k in IRAs.
>Saving 5000 a month after expenses and childcare.
>Zero Debt (Just paid it all off).

>>11315019
>~30k/year (in a poor slavic country)
>5k in bank
>saving about 200$ a month
>no debt
>no idea how to invest except for some couple grand i have in cryptos
>Everytime i have any saving i buy another Top of the Line Headphone
>Will forever be poor

>>11315114
Are you one of those college kids that got a STEM degree and landed the dream job after you graduated?

>>11316523
Anon it was pretty obvious just from looking at the chart that btc was going to correct...sorry you lost a lot of money.

>>11316563
Should really try to apply yourself and get a higher paying job. I'm 23 making 14 an hr getting interviews for 40-50k salary jobs.

>>11318848

> 12 BTC

>>11315019
>21
>14k salary
>£100 in bank
>saving £400 a month
>no debt

>31
>Accountant on 70k
>500 in bank
>50k crypto
>40k student debt (interest matches CPI)
>12k debt

No reason to lie as anon.

>>11325443
Jesus
How? Making 85k and not saving anything. 150k in debt? How did this happen bro?

>>11323686
Property holdings. Will buy some new ones now that I have a decent war chest.

Threads like these always make me feel a little bit better about myself. Just knowing that the majority of people are fucking retarded when it comes to money and personal finance

>tfw 24 with no debt and 80k savings
>tfw on pace to have 250k net worth by 30
>tfw compounding interest and re-invested dividends will make me a millionaire by my 40s without ever really earning that high of an income

slow and steady, I will make it

>23
>65k salary
>0 debt
>7k car
>30k cash/stocks/retirement
>6k crypto
Just cut my rent from 1k/month to 600, planning to DCA on crypto pretty hard as we continue to bottom out over what I think will be the next 3-12 months.

>>11330737
Hey look, another anon who seems to be doing pretty go-
>planning to DCA on crypto pretty hard
Oh...nevermind

>>11330773
Haha dont worry I question my sanity sometimes too anon. Spent last year building up a safe little portfolio, I have no debt and little expenses. figure now's the time to assume some more risk. If I win, great. If i lose, It's still only a fraction of my assets, and I have a career.

>26
>$72k salary
>saving $5k per month
>$60k 401k/IRA
>$50k brokerage account
>$50k cash
>$30k crypto
>-$4k denbts
working it all out actually makes me feel a little better. I'm mentally cutting my equities in half though because this shit isn't going to last, also pessimistic on crypto.

>28
>$70k/year
>$25k in savings + $15k in 401k

The problem is I work in San Fransisco, so I'm living in a camper van ($31k paid off fuck renting) and going back home to my parent's house in Sacramento on my weekends. Debating buying a house there now or waiting.

>>11315094
Yeah, what the fuck did he take his helmet off for? Nigger should have known better.

> 28
> neet, getting autism bucks
> $80k in debt

>20
>shithole country
>111$ monthly allowance
>3279$ net worth
>grandma already bought me a 65k house

feels good man

>>11331075
>$72k salary
>saving $5k per month

???

>>11331157
the secret is living with your parents. also includes investment income.

>30
>self employed, income is all over the place
>20k in the bank
>no debt

on paper i guess i'm kinda ok but one mishap and i could be fucked

>>11331304
>the secret is living with your parents
Do you not pay taxes either? 72k salary after taxes would put you at 4-4.5k/month before expenses depending on your location

Also living with your parents for a bit is cool but you can’t be mommy’s little sugar plum forever. Eventually you’ll grow up and have to pay for rent/mortgage, groceries, health/car insurance, phone/utilies, gas, etc. so hopefully you’ve accounted for that

>29
>$112,000 salary plus up to 12% bonus
>$9,500 student debt
>$51,000 in bank
>$66,000 in crypto
>Almost no expenses

>38
>$23/hr, 60-80hrs/wk
>20k remaining on mortgage
>2 kids + wife
>2k in bank, 500 in cash
>No CC or additional debt
>No regular saving

Need to sort my life out.

>>11331400
All of that is just yikes...

>>11317407
Move all that cash to different accounts anon.
Max limit for account is 85k

>>11331443
I had to make it out of the trap.
Everyone seems to make more mistakes the more shit you have to drag yourself through.

>>11331483
Just keep fighting the good fight

Hopefully the next 15 years go better than the last 15

>>11331370
Yeah I was a little incredulous when I looked at it but the numbers don't lie. Looks like my salary is actually closer to $73k and my taxes are low compared to my gross because of the retirement accounts. Last year I was saving 4.8k per month but that's including a bonus at the end of the year.

>Also living with your parents for a bit is cool but you can’t be mommy’s little sugar plum forever. Eventually you’ll grow up and have to pay for rent/mortgage, groceries, health/car insurance, phone/utilies, gas, etc. so hopefully you’ve accounted for that
If I thought this situation was in any way sustainable I could be retired by now. That said, I'm not moving out unless either (1) they kick me out (2) I get offered a LOT more money to work out of state, or (3) I have enough to retire to some 3rd world shithole with decent medical care

>26
>70-75k straight commish
>70k liquid
>55k in investment prop with 15 y mortgage

btw house hacking is a meme, you are their slave

>>11331515
Thanks man.

>28
>37k salary, and about $1500 in bonus so far
>2nd job is 1099 part time, made $11k so far this year before tax
>$2k in the bank
>$3700 in crypto
>$600 in stocks
>no debt
>rent is only $490

A-am I gonna make it?

>>11332063
where does all your money go?? Save more or ngmi, baka

>23
>$129k salary (software engineer)
>40 grand in the bank
>saving 4-5k a month
>no debt

And I'll still never be able to buy a house in this shithole of a town.

>>11318167
>28
>lives with mommy and daddy

not going to make it

>>11315019

>26
>roughly 1000 Euro/month as wage
>tips cover my day-to-day expenses
>bout 3 grand Euro in the bank
>no debt b/c eurowelfare

not sustainable in the long run and need improving

>>11332147
A lot of it went into worthless shitty altcoins I held for far too long. POOF!

Trying to just build savings right now so I can buy stocks and/or real estate cheap once the economy shits itself again in the near future

>>11332163
What town? San francisco?

>>11320386
>free rent starting this month
How?

28

quit my full time job to go to school to be a teacher

now i make 1200 a month
go to school and have 15k in debt

in 4 years ill be a comfy elementary teacher and shitpost on the weekends

>>11315019
>19
>$5,100 in stock, cash, an other shit (and declining)
>$50 cash and $10 in the bank
>free uncle cuomo college
>no debt
>no income
Bitcoin bullrun again when?

>>11332297
Yup. In my current neighborhood houses start at 1.5 - 2 million.

>>11320950
>Blogaize.

What did he mean?

>>11332163
>lives in the most expensive property market in the USA
>complains he can’t afford
M O V E

>24
>10k in debt
>drop out
>No job
>No experience
>literally making pennies transcribing YouTube videos

How fucked am I biz?

>>11332505
nbd, just reroll

>>11316722
please explain

>>11315019
>29
>12k/year retirement
>18k/year gi bill
>145k in savings while I house hunt
>1500 monthly rent until february
If I could find a job I can do with my injury without a degree then I would but all my training has been on proprietary computers and Im not A+ certified.

>>11332483

Sounds like he's not paying much (or anything) for his living space. In that case it isn't exactly a bad idea to stick around and suffer a few more years to save a sizable war chest before moving to a lower cost area where he likely will be paid half for the same job.