/biz/ - Business & Finance

>>13165729
hey boomer buddy
>31 years old
>net worth of $200k
>currently making $150k/year
>getting married in a few months and then wife and I will buy house
life is good

>>13165729
>23 years old
>217 dollars in the bank
>earning no income for the past 4 years
>no living expenses or debt
I honestly feel that my life is already over. I know it's a good thing that I have no debt and kind parents to let me live with them but if I don't do something soon I can easily see myself homeless in my 30's and beyond if I live that long.

>>13165930
I was in your position at 24. Getting my MBA changed my life.

>>13165729
Are you an employee?

>>13165944
Yes I am a manager at a fortune 500 company.

>>13165935
You turned things around fast then, that's great to hear.

>>13165729
>38
>300k med school debt
>300k mortgage
>250k income
>100k link
>7k xmr
>hot wife
>good kids

gonna make it

>29
>net worth 250k
>currently making 170k a year
>no debt
>suicidal. prescribed lexapro/wellbutrin/zoloft.
>nothing works


>>13165787
>getting married
What does your wife do, does she make more or less than you?
How long have you been with her? How'd you meet her?
Age difference?
Are you making her sign a prenup?
Are you not afraid of divorcerape?

>>13165729
26 y/o, 80k job, about 15k assets

>>13165981
Way too many specific questions depressedanon. I'll give you a summary:
>she makes less than me but still upper 5 figures
>been with her for almost 3 years
>she's 4 years younger than me
>we talked through a prenup but decided against it. she was open to it though if I really wanted one
>divorce rape is a meme. it happens sporadically but you should be able to smell that shit out when you're dating a woman. i've def gone out with girls in the past who seemed like the type who would that shit. my fiancee is a simple, conservative qt self-sufficient prior to our even dating
don't commit suicide anon

>>13166046
>we talked through a prenup but decided against it

This is how to ruin your life.

>>13166055
>plebbit spacing
it was my decision redpillfag. the goal is a healthy, long-term marriage with a simple girl. if you want to bang a high-maintenance 9/10 golddigger, then you get a prenup

>>13165729
>26
>20k in crypto stocks cash (+60k if you include shitcoins but you know how that goes no volume to dump)
>6k debt
>50k a year (21.50 hr w/some certain OT a week)
>need to decrease living expense and unncessary spending on food and gadgets

>>13166070
>it was my decision redpillfag.

I mean I dont doubt that. Cutting your cock off is also a decision some people make on their own but its still fucking retarded.

>>13166077
>comparing not signing a prenup to cutting your dick off
you gotta leave Billy, this is an 18+ board

>>13165950
>4chan business community
Why are you presenting your op as business related them? You're just some dude with a middle income job...

>>13166089
Companies are businesses anon

>>13165729
>32
>50k in investments
>140k a year (live in expensive ass area)
>only car payment debt, just paid everything else off

>>13166092
Yeah, but if you don't own them... you know what? I'm just going to clear the thread and let you guys do your thing. Sorry to intrude.

>>13165930
I was in your boots until 27. Don't give up yet anon. Build your resume and keep working to what you feel like doing

>>13166107
>Yeah, but if you don't own them

I never said I did

>>13166109
Do you at least want to run your own shop someday, or are you pretty content as is? I went from mopping puke to 6 figures as a technical recruiter, and I thought I'd be happy forever in a cubicle. I wasn't... within 3 years I quit and started my own business, and i could never go back.

must be nice

>28
>was wagie until June of 2018, quit to freelance engineering (mixed bag)
>net worth of -18K (this is up from -50 at the start of 2018). This includes the house, both my and wifes student loan debt and 1 car loan (we're considerably ahead on car loan and house)
> less than 1K in crypto, less than 5K in investments, around 6K in the bank but fucking uncle sams tax bill is going to shrek that soon
>married, no kids but have wifes 12 y/o niece living with us (all the benefits of having a kid, none of the major negatives imo)

biggest issue rn is getting my freelancing business clientelle up. Only have 1-2 customers right now so I end up with alot more idle time than I'd like, and not as much income as I'd like.

>>13166133
If I did anything it would be real estate but I cant see myself straying from this path until I am in my 40s. Will take time to accumulate enough money to buy and rent out several properties.

>>13166136
Pics of niece?

>>13166070
>healthy, long term marriage

Is that not possible with a prenup? Why not play it safe?

>>13165729
>100k in the bank
>he keeps his "money" in the bank

40yo corporate drone reporting

>>13165729
I have the same stats as you but I am 23.

>>13165729
> 27
> $8k in crypto, $15k in fiat/stocks
> $150k in debt
> work at a comfy small law firm for $60k+ a year

>>13165729
>32 years old
>$1 mil+ net worth
>I'm down around 4% for the year
>Married, have kids, own a condo in my country and another in a different country. Survived a car crash last year which left me with chronic pain
>Lost more than a lot shorting stock index futures in 2016 and 2017

>>13165729
>27
>$50k/yr
>$15k in 401k
>$25k in crypto

>27
>80k/yr including paltry bonus
>25k crypto
>45k savings
>5k checking
>21k first 401k
>7k second 401k
>car fully paid off

25 years old
600$ in bank
40K in crypto
1Million in assets (land)
lives with parents ( thats how it is in my country you live with your parents until you get married)

>>13165729
>27 years old
>net worth ~$360k
>making $240k/year but probably gonna get fired soon
>waiting for BTC at $100k then I'm gonna retire

>>13166847
Middle east?

>>13166948
yea, arab israeli

>>13166948
Heh you're my neighbor to the south

>19 yrs old
>about 20k usd net worth, had 120k last January fml
>starting a CS degree next year

Anyone got some life tips?

>>13165729
I'm at rock bottom, literally nothing to lose

>>13165729
we are the same. good job anon.

>>13167037
double major in CS and Statistics. companies will (almost) literally throw money at you and **** your **** to get you to work for them.
it's probably the most surefire way to make six figures without getting a postgraduate degree.
go to as good of a college as possible because people discriminate on what college you went to.
make as high of a GPA as you can. you're at college to study, not to party. But also party.
make friends with people who are going to be successful because you'll need those connections and friendships.
get an internship at a prestigious company that people have heard of during your 3rd summer. and possibly your 2nd summer also.
get your resume reviewed and do practice interviews at the university career center so you can get the internship/job interviews and don't sperg out during the interviews.
try to find the person you want to marry by the time you turn 25 because it gets harder and the choices get worse after that point.
lift weights for one hour a day, three days a week. focus on chest and arms because that's all anyone sees anyway.
cats are better than dogs because they have free will.
smoke weed erryday.

>28
>95-105k job depending on overtime
>3 townhouses paid off with monthly rent
> 1 car 1 truck 2 motorcycles
> 60k in debt on a $250k+ house

only invested in BTC / ETH as of now. Would like to expand but this place just promotes pump and dump pajeet garbage.

>>13167037
dont hesitate to panic sell when your gains are huge for you

>29
>45k a yaer
>17k net worth
>feels like the top of the house market and decided to get another year lease.
>praying crypto saves me from a life of tedium.

>>13165729

>25
>30k
>Make fuck all, like 20k a year tops
>No debts
>Am free

>>13167158
Thanks! Interesting stuff here. I don’t agree that cats > dogs, my theory is that cats would eat us alive without hesitating if they were large enough to do so. Also don’t think smoking everyday is compatible with the other stuff but other than that cheers!

>>13165729
26
Net worth negative ~$3000 or so
Crippling mental and physical health problems. Will probably kill myself before 30 unless a literal miracle happens. Might buy life insurance policy before that if I can make enough $ before I do the Dutch so my little sister can cash out but I don't know if it even works like that

>>13167192
Learned that the hard way I’m afraid, trying to make some moves now to get it back up after staying away from it for a year.

>>13167262
Also unemployed/self employed doing some bullshit commission sales job that I can't make work. No income chrrently

>>13165787
similar
>30
>UK fag $160k USD equivalent per year
>getting married this year
>NET worth around $280k (including house deposit)

36
Doctor
375k/yr
Networth 500k, no house
Dating girl, prob will get married she makes 80k/year.

>24
>About 3.5k in bank, 1k in robinhood, down from around 8k in savings before I moved out.
>Fuckall, fucked myself over by moving out with gf before I was ready. Working a part time job and looking for another to make ends meet, but nobody will give me the time of day, not even burger flipping though I have 5 years of high volume food service experience with great work ethic. Applied to at least one place a day since i started looking again a month ago. Dont let women convince you to do shit before you think you can reasonably do it, be smart.
>No debt, and a shitty associates in LA&S is all I have to show for it.
I hear reports that it is just the area we live in. Fuck Tampa Bay.

>>13167709
Oh forgot to mention I had an interview the other day at a restaurant. They had a solid week to tell me by phone or email that I didn't have the experience they wanted.

32– Stay at home wife with 2 master race children 110k a year 40k in crypto 20k in boomer index funds + gold plated indexed pension for when I retire. Paying off mortgage on 300k house.

> 35 yo
> half of current paycheck in the bank
> making 16k a year
> no debt
> no future

>>13167331

>$160k USD per year
>£125,000 salary

Why bullshit lad? You mean to say you get paid more than the prime minister? Even the most experienced surgeons in their late 50s get about only £100k per year.

Or do you mean that isn't from wagecucking?

(For non Bongs, average wagecuck salary here i £26,000)

>>13167765
Are you like me friend? Is there anyway you can reasonably downsize? Maybe get another job?

>>13165729
>30 years old
>11 dollars in my pocket
>shitty wagecuck job
>kissless virgin

>>13167795
I'm a coder, working at the best place in the country. I give most of my money to the landlord.

>everyone is either rich or completely broke

Was Bernie right about income inequality?

>>13167824
Income inequality is a meme. If you’re working a job, you’re doing just as badly as the minimum wage worker is. Why? By working for somebody else, you’re gambling on the premise that that job will still be there for you tomorrow. Why put yourself in that position?

The only people who are truly not broke are people who make passive income and thus don’t need to rely on a check from an employer. Those people are truly wealthy and independent.

>>13167813
How long have you been working there? Have you thought about freelance coding? Web development?
>>13167843
You're not wrong, the place I work at is probably going to go under or completely online.

>>13167855
not long,
I'm a web dev,
freelance means either working fulltime on self promotion or competing vs indians online

>>13166430
Where should he keep it?

Fuck anyone who enjoys their job. This board is for real life wojacks only. Go enjoy your perfect life.

The only way you can hit $10 M in 5 years is building a tech company that takes off. So my networth is negative but my potential is much higher than you normies. See you on the moon.

>>13168046
Just put something up on fiverr with a portfolio, you miss all the shots you don't take, and this shot costs you nothing other than a few minutes.

>25
>50k a year from sweet gig nailed after getting out the Navy
>working on economics degree
>50 ETH

Bouta go to Saigon for a month soon and slay some third world country pussy

>>13168226
invested in the market

i'm so far behind.

>37
>$6k in debt
>making $100k after being unemployed for a while.
>rentcuck

i'm gonna have to get a side hustle or something.

>>13168706
>making $100k after being unemployed for a while.
How?

>>13165729
>30 yo
> 3k in debt and climbing due to medical debt
> 20k a year job
I hate being a loser

>24
>BS in Industrial Engineering
>70k cushy supply chain job

80k NW
Assets - 87k
>15k cash
>25k retirement (all stocks)
>40k personal brokerage (mix of stocks and bonds)
>car worth about 7k

Liabilities - 7k
>5k left on student loan (3% interest so I'm prioritizing investing)
>2k current credit balance across all cards

>900/month rent (HCOL area with insane housing prices and taxes, so I will be renting for the foreseeable future)
>usually save about 2000-2500 per month

pretty conservative by /biz/ standards but I think I'm doing alright

>>13168817
>Literally living the dream
>its alright
Holy shit man

real estate will never crash tho

>>13167808
i beat that.

3x kissless virgin.

32 and only child in the family... broke as fuk cuz I spend all the money I have because parents are rich and keep handing me money.

now just waiting to inherit parents wealth

>22yo
>negative $200 on bank account
>trying to do bussiness in a semi-socialist country

How fucked am i?

>>13168817
Youre pretty comfy desu

>>13168985
Ever wish you could just buy a parcel of land in the midwest and divide it up into smaller parts and lease them out to farmers? Just like the westward expansion.

>thread full of wageslave boomers married and with less than a million networth

Yeah, it's gonna be a yikes for me. I'd kill myself than to live a life of mediocrity at 30

>>13165930
You're 23 my man, R-E-L-A-X.

36
Amerifat
Wife, four kids
House
113k in stocks
10k in magic internet beans
175k cash on hand (waiting to buy the next great depression)
Make a little over 200k/yr

Life's good.

>>13165729
>19
>130k in RE
>no debt
>no stocks, crypto. Waiting until I learn more
>1568 cashflow/mo pretax. Use this to pay all expenses and am lleft with a few hundred dollars each month
>150~k projecting this year (RE wholesaling biz is taking off :) )
>planning on constantly reinvesting into more rentals until comfy passive inc. living frugal.
>plan on eventually throwing 20k into both crypto and the stock market sometime this year

>>13168706
i was in grad school

>>13165729

A-are you me, Anon?

>24 years old (Started working in 'real' job this July)
>$2000 in checking, $5000 in savings, and $3,000 in 401(k)
>$60,000 a year
>$20,000 in student loan debt

Trying to boost up savings to $10,000, then going to work towards decimating the loans. Unfortunately, I live in an area where I'm paying ~$1,400 for rent for a 1-bed.

>>13167158
>>13167244
a bachelors in CS and stats isn't as lucrative as you'd think. Not saying you won't be slightly better off than other CS grads, but if you want real big dick money you'll need a masters

>>13168979
>>13169012
Yeah but I'm still lonely and feel empty inside. I'd trade $10k for a gf that I loved who also loved me.

>>13169111
You should really look into getting a roommate anon. I'm saving an extra $500-600 a month by living with a roommate in a 2 bedroom and splitting rent/utilities. Keeping my living costs reasonable is one of the biggest factors in my ability to save so far.

>>13165930
>24 years old
>2,000 in the bank
>Currently without a job
> Not in debt, and little to no expenses

I really ever browse /biz/ but your message made me pretty happy to know I'm not alone. I live with a parent, but that parent is slowly going crazy and occasionally threatens to kick me out. Really has motivated me to job hunt more and to understand adult life better. (The 2K is from random seasonal jobs I've had over the years.)

>>13165729
that's pretty good man. I'm 31 myself. was in the army awhile so got a later start on my education. making decent money now as a network security engineer, making 104k and building up my savings. currently at around 40k

>>13169319
You need to find a job. Or maybe first learn some skills that will allow you to find a job. Once you begin to have real living expenses you will get fucked.

>23
>3k net worth
>minimum wage slave
Will probably an hero if the 4th reich doesnt emerge from Antarctica within a few years and save me

>>13166553
You ever think of just moving to Eastern Europe and never working a day in your life again while living like a king?

>>13166697
Lol, you doubted the Trump. You think cucking on trade and sending millions of job overseas is

>>13165930
Same boat anon
>25
>fell for the stem meme
>no debt, no real income
>make dogshit $15 at ucsf
pa or md is my only shot or else I’ll neck it

>>13169149
Shut the fuck up you whiny little trust funded college paid for by parents faglord
>muh no gf
Fuck you, women are easy as shit money is not
>id trade 10k for a gf
Fucking pathetic gaylord

I grew up in a fucking orphanage, can’t pay for college, wagekek 60 hours a week, and have to pay rent to mr goldstein so that im not living on the goddamn curb. You idiots have no idea how hard real work is and paying for everything on your own. Even though I’m pretty much broke I’m glad im not fully cucked to the point I’d pay ten fucking grand just for a gf. Fuck you

>>13169901
I'm looking to become an IT person. I signed up for classes and I hope to start soon.

>>13170047
If true story I admire your dedication and work ethic. You will likely be a rich, rich man in the not so distant future.

>>13165930
just keep going for that first job. once you get started you can move up fast if you're smart and actually have talent.

> 27
> Finishing masters in computer science in May
> 40K assets, 80K debt (grad school tuition)
> ~160K offer at a FANG, still interviewing
> Moving in with GF after school, she makes around 150K

>>13166863
Either a poor LARP or a rich trust fund kid

>>13170125
I know you guys all hate marriage meme, but what if your SO is making the same amount as you and is a rational person? Can I hear some doomsday scenarios or is this not as risky?

>26
>10k in bank
>$132k /yr

I just started working at a huge tech company after being dirt poor at a start up out of college, I’ve got a bunch of RSUs and options but I’m not counting them since I cant actualize any of that for a few years.

>>13170156
How much leetcode did you do bro

>>13165729
33 yrs old
130k base salary
50k banked
100k equity in 400k condo
380k in investments, retirement accts
400k in unvested stock from my job - vests over 3 yrs
extra stock grants rewarded each year

I guess I'm doing alright.

>>13170219
Not much, I’m a product manager. I wrote some automated testing and did some devops type stuff, but my syntax is mostly shit.

>>13165729
>35
>400 in savings
> 8300 in credit card debt which Im paying down regularly (was >10000 a few months ago)
> ~26000 in retirement
> ~500 in crypto (majority in LINK)
> Make 59K/yr
> getting a promotion soon that will push me into ~80k/ yr
> no student loan debt, no car payment

I took a break from my career and went to college in my thirties. Now I'm getting back into the swing of things. I'll make it, just gotta pay down the debt first.

>>13166046
>>13166070
Lmao the "my relationship is unique and different from every other relationship that has ever existed in this world" fallacy.
>it was my decision
You do you anon, but remember that people inevitably change. Not opting for a prenup especially when your fiancee is ok with it seems careless.

>>13170047
this. too many faggots don't know the meaning of true work ethic.

22
90k per annum salary
20k per annum side hustles.
300k in Allen Grey (I put it in there until I'm 32)

Money was inherited, aswell as my house, which I have a tenant staying to make it economical.

SO is making enough to sustain her pretty girl lifestyle.

>>13169046
You need to start getting into crypto and average down. Im not talking about throwing 20k right away but start with 1k. Trust me, you want to be on the right side when inflation kicks in.

>>13165930
Same. My associate's degree is fucking worthless. I was memed to go into the trades. There's no future in it. They cap low too outside of a union (at 60k). Now I need a fuckton of money to finish bachelors (8 months if I go full power. 21k to finish). I would go 21k in debt and not work while studying, but... I need 40k to fix a problem I have so I'M FUCKED thanks to this faggot god (long story short, I'm 5'5" aka deformed, so I need 40k to become 5'9". Had I been 5'10" from the beginning, my life would have been on easy mode, would have had a bachelors, and would have had a chill teaching job getting paid to just babysit all day).

Life is fucking shit if you're a midget. Body builder dream died
>inb4 height is irrelevant.
There's always some fools that actually think being short isn't a good reason to get mentally fucked.