/biz/ - Business & Finance

too socialist

best part of life is

>the hunt

You are stupid, and natural selection should eliminate people like you.

>>24942846
Ceiling is very high, ngmi ever

>>24942771
With enough scraps you have a lunch

>>24942996
Scraps is a relative term though, scraps would be lunch for some and long-term sustinence for others

>why can’t everything be free
Fuck off tranny

>>24942771
Most poorfags are poor because they live beyond their means. If you give a poorfag $1000 there's a 95%+ probability he will spend it on a new iphone, clothes, drinking etc. instead of paying off debt or investing. Most poorfags can't into delayed gratification and are addicted to consooming.

Not everyone can become a multi-millionaire, but everyone can become financially comfy with a bit of patience and discipline. If you save 10-30% of your income then you will have a comfy portfolio after a few years.
> b-b-but I live paycheck to paycheck, I have no money left over to invest
That's because you are living beyond your means. Move to a cheaper apartment, stop ordering delivery food, stop wasting money on dumb shit you don't need, buy cheaper (and probably healthier) groceries etc. Research the cheapest bank, the best credit cards for cash backs, ways to make a bit of money on the side etc.

t. used to be a poorfag and now a millionaire

>>24942771
>gib me dat
no

>>24943073
What was your salary when you started, if I may ask? I'm still in study, and want to know what sort of level I would need to get to to get to your level

broke ass mentality ngmi

>>24942771

we told you about haircomb for over a year now

Spare us the lectures and give OP your money right now

>>24942771
Am i the only unironic billionaire here?

>>24942771
the only reason i am poor is because in 2017 when crypto first took off i didnt have my inheritance money yet, if i had got it only 1 year earlier i would have bought in and been at the top of the biz ladder, now im here barely holding on with the whole things in a high ceiling market.

>>24943359
link?

>>24943423
dont feel bad, some of us were here the entirety of 2017 and had crypto but literally had to start over. I was at like 40k at the top and as all crypto started to fall i spent the money on shit because I was retarded. just made it to 20k again, feeling hopeful for the future.

>>24943073
>Most poorfags can't into delayed gratification and are addicted to consooming.
>t. used to be a poorfag and now a millionaire
The delusion of you fucking Amerimutts. You can have a successful career and live below your means for your whole life and still get to a million at the age of 60 or never.

t. seething Yuropoor

>>24942771
because a million ain't that much, nigger
you'll understand when you're older
but if you're not a faggot and seem like you will listen, advice is free

>>24943103
I'm self-employed so no salary. I make a lot of money now, but I managed to get to $100k net worth as a wagie with a normal income in my early 20s. And I didn't do it by getting "lucky" on crypto or anything like that.
I just saved a large % of my income, optimized my finances, bought cheap groceries, claimed all the "free" money I could (e.g. a $2k scholarship, credit card cash backs, $500 for free in random casino bonuses (never played any games)).

Of course poor people don't want to be poor. Everyone wants to be rich. The problem is that most poor people have to no patience and discipline. They want to become millionaires RIGHT NOW. If you tell them how they can become wealthy after 5-10 years they won't listen.
Be patient, have realistic goals and be smart with your money. You can reach six figure net worth after a few years even if you're a low income wagie.

wait you fags just don't trade the 15min chart on 40x leverage? LMFAO ngmi so sad

>>24942771
We earned them through loss of hair, life, layers of stress. You will too if you're not retarded.

In the next year there is ANOTHER opportunity for literally free money.

I'd look into Tomochain.

we wouldn't want to take away the thrill of victory of becoming a millionaire, anon. keep stacking!

>>24943445
Lol no sweetheart
I started a real business

>>24942771
NGMI
GO BACK

>>24942875
ok

>>24943496
Well then, I'm sorry you live in a country that hates making money
Move to Switzerland?

>>24943633
are you hiring?

>>24943666
Holy fuck you really said that on a 666 get, I'm fucked

>>24943496
I'm European myself kek. As I said, not everyone can become a multi-millionaire. But if you're smart with your money, get a good career (or start a business) and save 20%+ of your income then it's pretty easy to be well-off in your mid/ late 20s.
> useful degree with a high expected income (medicine, CS, finance, statistics, law etc.)
> focus most of your time/ energy on getting great grades and good internships (this step is important)
> make a decent amount of money from internships, invest most of it
> no student debt because you're European, might even get sudent gibs
> make $80k+ straight out of college, more after a few years of work
> have $100k+ in savings a few years after graduating
That's the textbook recipe for being well-off in Europe. It's not that hard.
> b-b-but wages aren't high in my yuropoor country, college isn't free
Well, good thing you're European then. Move to a better European country faggot.

>>24942771
JANNIES BAN THIS BEGGING POS
DO YOUR JOBBY JANNY
PS FUCK YOU JAN JAN

>>24943703
>Respects digits
GMI
Seriously though, stop looking for others to save your ass. No one is coming, no one cares. You are on your own. Sooner you accept it, sooner you start working towards your goals. Hand outs are for losers. You don't want to be a loser do you?

>>24943809
If being a loser helps me build a stack that'll grow and grow, then yes I do

>>24943689
I live in a country that likes giving out money to niggers.

>>24943496
I'm European myself kek. As I said, not everyone can become a multi-millionaire. But if you're smart with your money, get a good career (or start a business) and save 20%+ of your income then it's pretty easy to be well-off in your mid/ late 20s.
> useful degree with a high expected income (medicine, CS, finance, statistics, law etc.)
> focus most of your time/ energy on getting great grades and good internships (this step is important)
> make a decent amount of money from internships, invest most of it
> no student debt because you're European, might even get student gibs
> make $80k+ straight out of college, more after a few years of work
> have $100k+ in savings a few years after graduating, at least a couple hundred k once you reach 30 yo
That's the textbook recipe for being well-off in Europe. It's not that hard.
> b-b-but wages aren't high in my yuropoor country, college isn't free
Good thing you're European then. Move to a better country in the EU.

>>24943858
I might bloody well make it one day boys
80k straight out of uni seems unrealistic though, being fair

>>24943837
It's called a job.
And no you wouldn't, you will lose it all on dumb trades and swinging like the retard you are because you clearly not willing to put in the minimal effort required to even get started.
You sound clinically blue pilled with a case of beta-itis. It is not terminal but until you better yourself you'll always be a failure.

>>24943904
I live in one of the wealthiest countries in Europe. Maybe it's not realistic in less wealthy European countries, but it's very doable here if you have a good degree and set yourself up for a good job while in college (internships).

>>24942771
It will always crack me up that the poorfags in here act like the handout crazed niggers they purportedly hate.

I wonder if they'd send me anything if I asked nicely

>>24943633
You also have a private island where you rape and torture kids like the rest of em ? Or you just a Chad.

>>24943858
I agree with you that $80k right after graduating is high, but certainly not impossible. That's gonna give you about $45k after taxes and feeding the niggers. If you live frugally you can probably save like $25k of that. That's still 40 years until a million. I get it, you can compound your wealth by investing it and your income will also increase in the future, but getting to a million before the age of 50 seems very difficult.

>>24943904
I had no problems getting 60k€ job offers after my M.Sc. in CS and that's about $75k.

>>24944009
If ur a swe git gud and move to the US. I’m 5 years out of college and making $380k

>>24943073
unbelievably based

>>24944039
Yeah sure you do.

>>24944009
CS is on another level. I bought a Udemy course recently to try and give it a shot, now that exams are out of the way, it is time to start.

CS beats my degree's potential earnings, and mine was supposedly one of the highest.
Mine is going down by the year because my field will easily be made autonomous in the next 5-10yrs.

>>24944088
Read em and weep faggot

https://www.levels.fyi/

>>24944009
>That's still 40 years until a million. I get it, you can compound your wealth by investing it and your income will also increase in the future, but getting to a million before the age of 50 seems very difficult.
Set this up in a spreadsheet. $25k saved per year, total balance growing by 7% a year (or some really crazy number if you have the balls to hodl crypto).

You'll be surprised.

>>24944167
I fell for the PhD meme and am doing a PhD in CS now. Financially that was probably not the best decision, but on the other hand that's another unique selling point you have for future employees. Also, I want to continue working in the same field so the time I spent getting the degree will not be futile.

>>24944212
I'm very well aware that people with this kind of salary exist, I'm just doubting that you're one of those few brightest ones in the world.

>>24943858
Oh, and don't look to your peers/ colleagues for how much money you should be spending. If you spend like everyone else you will be poor like everyone else.
If you make $60k/ year then it shouldn't be all that hard to save $1k/ month. That might not sound like a lot but after 5 years of saving, compound interest and (most likely) higher income/ monthly savings you could easily have $100k+. Sure, that's not super rich, but it's way more than most other europoors have in their 20s. Once you're at $100k it's not that hard to reach $250k... Once you're at $250k it's not that hard to reach $500k etc. It gets easier and easier to grow your net worth as you get wealthier because of passive income/ compound interest.

https://stocktwits.com/GetYourIron

>Why aren't they giving their scraps away
Because we believe in natural selection

>>24942771
We're working hard atm, there is a lot going on in the world atm.

Do the best you can with what you've got. Keep on trading bro.

>>24943073
With out the consoomers though the economy would be shit and the rich wouldn't be rich. The shepherds always need the sheep. The rich always need the poor.

Same reason I've never given money to a beggar on the street. If you don't have what it takes to make money, you don't deserve to exist in my world. The weak should be eaten by the strong.

>>24943073
You wouldn't be able to become a millionaire without the retarded COONsumers

>>24942771
you dont get rich by giving shit away goy

>>24944009
You are severely underestimating the effect of compound interest. As that other guy said, set up a spreadsheet or use an online savings calculator and have a look for yourself. Don't forget to factor in that your salary will increase over time.

>>24944383
>>24944377
>>24944344

The one rich person in this thread has admitted they give their scraps away and is humble

You're all clowns with poisonous attitudes, you'll be the last to make it.

>>24944462
Well actually if you make literal billions it's a good idea to "give" your money away to "charities" that are actually just thinly veiled social engineering projects which will increase your wealth in the future.

>>24943512
>$500 for free in random casino bonuses (never played any games)).
redpill me

>>24943503
a million is fucking more than enough if you're not a fucking retard
i will retire the fucking second i have a mil

>>24944514
And do what?

>>24944489
He's a fag who got where he is from mommy and daddy's money. I had to work to get where I am, and I've interacted with enough poor people to know for a fact most of you are garbage who deserve to die.

>>24944452
>>24944377
True. I'm just trying to help my /biz/ frens, I'm not saying that we should hope for all normalfags to stop being turbo consoomers.

>>24942771
Top 10 Statera holder here. Already made my millions. Just buy all you can of sta in the next 5 days.

>>24944514
A million is barely anything. I won't retire until I have at least a trillion.

Im on track to be a millionaire 3-4 months. Feels good man. I’ll be 34. First milli is the hardest, should finally start getting easier.

>>24944489
you have a nigger mindset and most likely supported bernie

>>24944524
Hah, the attitude that everybody who is successful has had it handed to them EXCEPT you

>>24944489
There people in the world who wipe their asses with their hands and brush their teeth with coal.

If we take the view that human life is approximately equal, why the fuck should you receive money? The same amount of money could more peoples lives better than yours.

You have literally have access to the worlds knowledge at your finger tips with whatever computing device you are using. You could learn a skill that would benefit you or others.

Instead you resort to begging. I don’t agree with others on the thread that people don’t deserve charity. But you most certainly don’t.

>>24944583
No, everyone who is successful had it handed down to them including me. I was blessed with insanely good genetics and intelligence, which trumps being born with average genetics and intelligence and wealthy parents.

>>24944514
This except with a few million because I'm still young. Maybe like 5-10 mil total to my name including everything except what I have already physically bought right now.
t. American, so I'm not just some poorfag living in a low cost shithole with bad pay. I already have a house, I don't want some McMansion. I already have a car, I don't want some McTruck.
I can confidently say the first thing I will buy when I am that rich is a $5k computer, then I'll have fuckall to spend it on aside from electric garden equipment to replace my fuel ones and other useless shit like that. I'm content on doing hobbies on my PC and occasionally traveling in cheap countries on commercial class until I die.

>>24944649
You know what? Trying your luck is not a sin, but thanks for your words.

I mentioned earlier that I've just finished up my exams and I'm starting a CS course in my spare time.

>>24944498
Just google free casino bonuses for your country (there's obviously more of them if you're from a wealthy country). Make sure you read the fine print and avoid the ones where you have to play a ton to unlock the bonus. A few crypto exchanges give you
free money for signing up too as far as I remember.
I claimed like $30 in an instant free bonus a few months ago. Had to depost $100 and gamble with the bonus 3x or something like that. I made a deposit, turned the free bonus into $100 and instantly withdrew my $100 + $100 for free and never came back.
This is obviously not huge money but if you're struggling to save even just $500/ month then it's definitely worth it to take advantage of things like this

Having several small ways of making/ saving a bit extra can really add up. Getting a credit card with cash back is something everyone should do too. Just make sure you ALWAYS pay it off before they start charging you interest.

>>24944779
>Credit card with cashback
>Not using Swipe, the debit card with cashback and rebates distributed in crypto

>>24944649
Project Alexandria is what they called it, it went like this: What if we gave white people the power of alexandria at their fingertips? Guess what happened, they managed to give up their own privacy in a decade. Most people are ignorant sheep and deserve their fate.

>>24944806
I haven't really looked into swipe. But if it's not a scam, you can get a decent % cash back and there's no real risk then go for that obviously.

I have poor friends who struggle to save 10% of their income, but when I tell them to get a card with cashback they usually shrug and say something along the lines of '1% is pocket change' lol...

>>24944929
Yeah it's great, you get 100% rebate for Spotify, Netflix and Amazon on the lower tiers, but you can get like $50 rebates on Uber, some on Starbucks etc.

Then depending on what you stake, you can earn cashback and staking returns

Highest tier was 30,000 SXP but yesterday was the last day at that staking rate. It's now 100,000 SXP

Easiest 10x + free currency, I'll shill it while I'm here, I might as well

>>24944985
So what's the catch? Seems a bit too good to be true. How do they generate all the money they pay out?

>>24945029
Staking mostly, the lower tiers don't get direct staking returns which cover the rebates. On top of this they have a reserve for rebates.
You could also choose to stake your SXP instead, but that's on the Swipe Network, so you wouldn't get the rebates associated with the card.
If you stake for the highest tier, you get the benefit of both.

Also they're owned by Binance.

>>24944985
Thanks for shilling that, I haven't heard about Swipe before. I have only heard about the crypto.com credit card. Is one clearly superior to the other?

>>24945065
CDC has worse benefits, but a nicer UI and nicer cards.

CRO's MCAP is also much higher than SXP's. They're also the company behind Venus/XVS if you've ever heard of that.

>>24945115
Free Spotify, Netflix and Amazon Prime for just staking about $300 worth of crypto seems like a very good deal.

>>24945216
Enjoy! I can't believe it doesn't get shilled as much as it should.

>>24943073
>he pays his debt off immediately
biggest meme ever

>>24945234
I might be retarded but it says I can withdraw cash from ATMs with that card, but the way I understand it it's a purely virtual card based on Apple Pay / Google Pay. How does that work? I'm not sure I've ever seen an ATM with an NFC sensor in my country yet.

>There are millionaires on this board
>Why aren't they giving their scraps away
maybe thats why they are millionaires

>>24945407
No friend, it's a Visa Debit card. You get a physical card as well as a digital card.

Also, any fees that you pay on Binance Card are paid in SXP. Swipe is also an ISSUER of Visa Crypto cards, so if institutions wanted to offer their own, they could use their network.

>>24944383
You type like a wage slave making mediocre money.

>>24943423
not true, you would have just lost anything you put in. do you know why people can say they held bitcoin at 6 dollars but sold at 11? because they've learned the hard lessons along the way

>>24945469
>No friend, it's a Visa Debit card. You get a physical card as well as a digital card.
Interesting, seems like this is one of the best ways to spend crypto in real life.
>Also, any fees that you pay on Binance Card are paid in SXP. Swipe is also an ISSUER of Visa Crypto cards, so if institutions wanted to offer their own, they could use their network.
What kind of fees would I have to pay as a customer? I assume swapping fees for swapping crypto, anything else?

>>24945469
fuck you. pay me.
i want 17%. you owe me.

>>24945602
Actually, I think it's one of the only places you can trade crypto without a fee. Unsure if this is temporary, but it's legit.

Fees wise, I believe there are some transaction fees for anybody that doesn't spend in EUR. GBP had feeless transactions for a bit too, unsure if that's still going on, but I paid less/no fees spending crypto directly.

Use case for normie adoption too, normies should jump on it like rabbits when the bulls take off.

>>24945643
Nice fat fingers, Chief
I'm trying to make monies in the only way I can
By begging chaps on biz

>>24944779
also look up blackjack systems and use that to clear any bonuses. blackjack played optimally gives the smallest house edge so the highest chance of keeping the bonus after making the required bet amount.

>>24942771
I feel baad for the zoomer generation, if you’re a zoomer and really want to escape your current situation, I can guide or mentor you.
For free but only through email, no discord/other shit because I’ll only be replying to you when I have the time. Do not waste my time, You don’t have to be smart, just determined and consistent. It’s not gonna be easy but it’ll be worth it. The first thing you’re gonna do is a dopamine reset, and yes that means no porn or cooming. I can gauge your seriousness from email conversations easily.

Lxjw@protonmail.com

>>24945819
Credentials?

>>24942771
Bruh im a poorfag and even i know that is a bad idea. Quit looking at those here with envy and learn what they did to be wealthy. Study economics and human behaviour, Figure out what the next big thing is going to be and bet on it.
The wealthy here took risks investing in btc or whatever the fuck they did, it could have been a flop and they would have lost everything. But it was worthwhile and their investment paid off.
What part of what i earn is yours and why do you deserve it? What part of what you earn is mine and why do i get to just take it?
Progress is made by entrepreneurs willing to take risks and investing their money in projects. Not the worker, not the engineer, not the politician nor planner; the entrepreneur is what pushes progress.
Projects can only get investments if the entrepreneur has recieved profit from a previous endevour.

Tldr
If you want to stop being poor you need to take an educated risk and hope it pays off. You begging for money or asking government to steal it does nothing but impede progress and bring down those who are making progree.

>there are faggots reading this right now that were jerking off to skyrim mods instead of mining bitcoins
still haven't even played skyrim, lol

>>24943073
Pretty true. Unfortunately there are SOME decisions (mainly getting memed into student debt, or having kids) where even if someone has a complete transformation, they will always be burdened by past mistakes and never be able to make it.

People need to stop having fucking kids when they can barely afford rent.

OP you're going to have to learn a very hard lesson about how not to be poor, and it begins by not talking that way.

I will now post the first few pages from Irwin Schiff's comic book and let's see if you can figure out which of the characters you are

>>24945845
Didn’t get lucky with Chainlink, mid $x M portfolio through consistent trades and holds.
But for trading to go anywhere initially, you need a good amount of seed capital. I used to freelance and do programming homework/projects for $70/hr for 4 years until I had good amount of capital to swing trade on a weekly graph. I have a few resources for getting into programming and tecaching gig that still works if you’re determined enough. But I’m not sharing anything over email unless you fix yourself and escape the dopamine distractions with which I’ll help too.

Hello poor denizens. Shop at stores with concrete floors and save 10% of your income in an rsp

>>24945966
>>24945988
>>24946003

stop right now and go jump off a bridge you insufferable faggot

>>24943060
He protec
He attac
But most importantly
He provide some scrap

>>24945259
No it's not unless you're paying <2% above the risk free rate. I that case, it MIGHT make sense to not pay off your debt and invest.
If you're paying like 8%/ year then it's beyond retarded to not pay off your debt ASAP. Debt with insane interest rates is one of the main reasons why poor people stay poor.

>>24946019
I'm done...
what's the problem this is good stuff here, this entire thread shouldn't exist anyway

>>24946019
Shut the fuck up plebbit newfaggot and go back

>>24946075
you don't need 5 pages of a faggy comic to explain what everyone past the age of 7 understands
>>24946081
you actually found that boomer tier comic valuable? kys

>>24946132
I found his autism endearing
I find you to be a stupid faggot

my millis are for me. I earned them by working hard at crypto and stocks, sure some of my early gains were luck but once you get into the rhythm it's just about % and making the right decisions. You can make a lot just by accumulating and hodling, just make sure you buy the right shit. Learn to read code so you don't get rugged and have faith in your decisions.