/biz/ - Business & Finance

>>25228893
lol

>>25228893
>is it over?

If you've got most of that in crypto, no.

>>25228893
>30
>never fucked a girl
>lost $10mil (yes, ten mil) unrealized gains in 2017/18
is it over?

it is.... let me check the manual.... hmmmm

yes, it is over. :^)

>>25228950
Should be a photo of them infront of a burning city.

>>25228893
Most people are in debt so no.

>32
>$350k in non-crypto assets (index funds, equities, cash)

If I'd listened to /biz/ three years ago I'd be a multimillionaire now

>>25228893
Yeah it’s over. Failure

>>25228893
Once you turn 25 and you don't have a career, a magically jew fairy comes down and casts a spell on you. You can't ever succeed after that, your brain's elasticity gets bad and you can't learn anything or change career paths. Remember, the second you turn 25, it's over. Sorry kiddo.

>>25228893
Compared to the average of the averagest person you're very well off, your decisions from now will determine whether you will set yourself apart from the rest.

I'm 23 and have the same amount. Any advice on what I should do? I did some CC but never had a real career path in mind. I should have 50k saved up by April. Should I spend it on going back to school?

>>25228893
26
15k net worth and my dad gave it.. It is over.

>>25229188
this but unironically

>>25229188
this but it's more like 31 or 32

>>25229188
Good thing I did all that drinking in my 20’s to keep my brain nice and limber

>>25228893
I'm 43 5k in the bank. Just kill me

>>25228893
no it isnt, keep saving and investing.

>>25228944
literally impossible to have 10 million and not fuck a girl.

I was fucking girls at 30 when my bank account was negative...unless you look like sloth or never leave your house its impossible

>>25228893
27
$49k net worth
i am your future,
and it feels bad

>>25229275
>>25229654
how do you guys cope?

Yes.

26 y/o 60k net worth in crypto

Had to take it all out to pay for my mum's divorce.
It's unironically over forever.

>>25228893

>29, turning 30 in March
>first kid on the way
>$2mm net worth
>high paying software engineering job that I hate
>want to quit job and build a startup but I’m afraid I’ll fail and screw things up for my wife and kid. Current job = ez mode, high pay, high prestige, best insurance imaginable

What should I build?

>>25228944
Larp

>>25229188

Why do people say shit like this? It's not over until your dead in the fucking ground, otherwise you have time to better yourself and succeed. Nothing beats persistence.

>>25230304

sex robot renting saas

>>25229396

Horse shit. Bezos founded Amazon around that age. Plenty of people have found success in their mid careers

24 and 80k but it's rotting in a savings account

>32
>1k to name
>bills & rent every month

Life is hard bros.

>>25230354
based

>>25228893
>21
>5k in cash 40k invested
>no gf
Whats even the point of making money if im too autistic to ever get someone to share it with

>>25228893
>33
>-15k net worth
I want to die

I’m same as you OP

Uh no it’s not over

>>25230839
just go nofap monk mode for a year and grind on yourself like an rpg character - it will keep you busy

>>25230387
Bezos also was top of his class at Princeton and was a Wall Street fat cat before starting Amazon. People can be successful after 30 but let's not pretend like he was living on welfare before starting Amazon

>>25230839
Once we start experiencing hyperinflation you'll be able to have any girl you want for a bag of rice

>>25230946
Thats the worst part, i have hobbies like jiujitsu and rock climbing and work out and stuff and even go drinking with guys from work but no matter what im just a weird guy i guess

>>25228893
no retard

>>25231010
What about the dude from alibaba. He went to some shitty school and also was old when he founded it

33
900k
I should be a 1%er net worth and income for my age category this year. Feelsgoodman

>>25231123
That's true but that was back when China was a Wild West as far as the market goes. These days you're not getting any investments for your startup unless you have the right degree/connections/kneepads

>>25230946
You Just gave the solutoon to all of boy's struggling in the search For meaning. The Journey to manhood. Based.

>>25228893
I had just graduated at your age and my net worth was NEGATIVE -$160k. 5.5 years later I'm debt free with $620k net worth. You've got plenty of time.

>29
>30k net worth
Doesn't feel great but a lot of my high school pals are doing terribly so I shouldn't complain. I make 70k in the midwest which is super comfy.

>>25228893
Quit being a faggot
>28
>net worth 18k - 21k student loans
Still happier than you. Maybe it’s because I lift, get pussy, and occupy my time creatively and constructively?
I’m about to make the future my bitch faggot. Do you really think anything can stop me?
Now shut the fuck up and untuck your dick from your legs and learn to be grateful the globocuks didn’t convince you to chop it off already because that’s honestly the only feasible outcome if you continue on like this you fucking faggot.

You're like in the top 1% of your age group kek.

>>25231392

>>25230354
You’re coping or not yet 25

>>25228944
Fucking a girl just makes life worse.
Lost my v-card this year at 27.
Caused more problems than I thought it would solve.

>>25231864
explain anon, im 23 and never had a gf. the feels are coming in hot recently

>>25228893
Most people go through life with zero savings, get married and have kids. I don't get what you're worried about.

>>25232577
It makes more problems.
You think sticking your dick into a girl will somehow solve issues.
It doesn't
It just makes you more unhappy.
Especially when you realize normal people have been fucking 1-2 girls a year since they were 16yrs old.
Now you know what ur missing.
But Alas, your dating age group is getting older end older
You want kids, but you know these girls have body counts behind 10 dudes.
The good women are already taken
Now you are picking from the rejects

That and it sparked insane hypochondria about STDs for some reason.
But that's probably just me.

Does everyone on this board live with their parents or something? I drive a shitty civic and have 5k in crypto and 5k in index funds. My net worth is negative from loans and I’m doing better than most people my age at 25. The only people with actual savings are basedbois who live with their happily married parents and have no real problems.

>>25232876
What's wrong with living with your parents, asshole? Don't let kike narratives influence your worldview.

>>25230304
qtaigfco but w/o lobotomizing nozzies

I had negative net worth at 30 years old. Now I'm 33 and I'm making it. You're doing great. Remember, don't give the females your essence

its over if its not 100k+ after this bullrun

>>25228893
fuck you. im 26 and I have 8k in XRP and thats all I have. I also have a long dick, ageless face and Im shape so I do slam pussy, but holy shit would I be flipping bags if I had 40k. Fuck right off

>>25229188
it's true. all of it

>>25232996
https://youtu.be/bJdECn1l7NM?t=33

>20
>have $18k but in January will go down to $14k to my name
>but own a fully paid for 2 story house with front and back yard
Pretty sure I made it and I'm just living until I die at this point with virtually no worries. I can travel a couple times a year and can buy any pro gaming PC I want. There must be more to life.jpg
fuck yachts and cars though, I'm not an utter normalfag

>>25232813
its not just you, i haven't fucked a girl in 4 years since i had an STD scare with an ex and we split. fuck it. monk mode activated. waste of time anyway

honestly there is a reason every normie you know at 26 who has there shit 'figured out' is empty inside and fills all their time off work with drugs. Its unrealistic. Either your soul takes a hit or the wallet and there is no compromise. Unironically why I need /biz and why OP is a fag

>>25229193
>Compared to the average of the averagest person you're very well off, your decisions from now will determine whether you will set yourself apart from the rest.
This is the most realistic take. The answer also depends on whether you did something like 0 -> 40k in 1 year. That is, how fast can you get the next 40k together? If you were worth -50k a year ago, you're fucking killing it. If you've been saving 5k/year for 8 years, you are NOT killing it.

I went from technically net zero at 25 to 250k at 27, but that's because I started at -30k at age 23 after studying a technical degree at a top school.

>>25233192
see they will give you hard numbers and amounts to have by "x" year, but can they tell you how to feed your starving soul. even the most "redpilled" folk on here dont understand the first thing about spirituality or feeding your spirit. You have to FEEL AMAZING with nothing. FUCK the rinse and repeat. Stack forever nobody gives a fuck, we didnt see you. Live into your SPIRIT, we remember that.

>>25228893
sell your fucking bags and go be an artist or whatever you wanted to be when you were a kid and stop waiting for your life to start. no amount is going to start your life kid

alot of the 100k+ faggots on here dont do anything with themselves but work, some have sex with npcs and thats pretty much fucking it. Wanna know why their bags are so big? because they are fucking boring retards that you have never heard of. Make intricate IDM masterpieces in a basement for a decade eating beans and rice and I might have some respect for you.

>>25230304
Your 2 million must be tied up in the most stupid bullshit if it's not earning you at least 150k a year, which is enough that you shouldn't have to worry about failing your startup

>>25229087
>>25228944
Not too late to buy PNK sirs

are you me?

>>25230839
>>25231053
You have to bring those hobbies to women, you can’t search for them there. Most love going to rock climbing gyms, hiking, camping, etc especially if they’re into social media looks. I’ve brought the last 3 girls I’ve dated to the same 3 hour medium difficulty trail as a test to see how they’d fare when shit gets tough, and even the one that didn’t even exercise/hike liked it. You demonstrate value by bringing them into your hobbies, and then help prevent those hobbies from being gay sausagefests. My current gf (24, I’m close to 30) has really taken to the outdoor stuff, trying to get her into skiing, oly lifts, and MTB. When you can show you’re not gonna be a Netflix couple and you’re willing to teach and work through the beginning steps or equipment barriers, even average looking dudes that live with their parents like me get laid. Just stay away from women that aren’t your race and just want to get their skin color fetish out on you and you’re good.

>>25233461
>>25233269

Ey, you aight white boy. We'll let you hang wit da crew

>>25229472
hey man, i turned around 7k into 40k. no day trading just hold long term, if i'm honest i put it in ada, got in at around .03 - .04 but still

6k in crypto, 1.2k in stocks, 24k in 401k, 18k in house (only counting down payment), 6k in car (only counting down payment)

was a NEET until 3 years ago

I think im doing ok now

28
>Ophthalmology resident
>Payed off loans thanks to link and /smg/
>Still have 3300 LINK, my entire portfolio
>$300 in the bank

>>25228944
I would never tell anyone that

>>25229188
Based, I can rest easy as a failure
t. 29 year old worthless degree holding only ever stocked shelves failure

>>25229639
depends where to live

My net worth went from $0 to $3,000,000 in one year so it depends whether you're a loser or not bro.

35
Net worth a little over 2M
Fit
Fucked over 100 girls
AMA

>>25234413
>35
>net worth only 2M
Why haven't you killed yourself yet? You're poor as fuck.

>>25228944
you'll be fine as long as you start taking a long look at the glitch.finance sale coming on the 11th

>>25234426
It hurts bros, that said It was 9k in 2015

>>25229188
Nah.

>>25234468
Maybe if you spent your life making bank instead of fucking sluts you wouldn't be so poor bro.

>>25228893
When I turned 29 in 2009 I was broke. Now I'm a millionaire because I discovered Bitcoin in 2014 while holding a job with decent income, a job I was able to quit two years ago, less than 10 years removed of being broke.

It's never over.

It's

>32
>30k in crypto
> 40k total net worth 2 months ago
>made 50k trading
>lose 80% trading last month
>~8k net worth and going to be in tax hell for an amount 1/2 of annual income
should probably just kms

>>25230354
Sociopathic (or psychopathic?) opportunism maybe, "the harder i get everyone else to slide, the easier it will be to use their corpses as stepping stones".

>>25228893
yes its over unironically buy some extra thick rope and hang yourself faggot

>>25229087
still room for a 5-6x in BTC

this thread is fucking gay. all you faggots do is preen about your basic ass bitch bank accounts and how to retain your jizz

>>25235238
I've got some extra thick rope for you anon just hold still.

>>25230280
Why the fuck would you pay for your mom's divorce?

17 yo
2.5M in BTC
What the hell are you boomers doing here? You had 10 years

>>25229188
>neuroplasticity stops at 25
That's outdated neuroscience that's over a decade old. New research shows that plasticity does decline as you age but still lasts throughout your entire life, depending on how well you take care of brain.

>>25233029
>8k in XRP
hopefully you do have that other shit because you're clearly poor and retarded

>>25232813
>That and it sparked insane hypochondria about STDs for some reason.

Are you me?
Fucked a girl 18yo when i was 27
Hooked up after we met at tinderlike app for like 1 month
Fucked her in my car
She was a Blowjob Jedimaster holy shit she drained me off so hard i didnt have the power to fuck her afterwards
( Right after she blew me we was preparing to fuck, i had some struggling getting the rubber on stick my dick in her and pretended to come after 10 mins)
Fast forward 2 weeks notice a bulge on my dick at vacation , which disappeared thankfully after 1 month
Do STD test after 6 months after i fucked her that night = doc does Urethrea probe with some q tip which burned asf but thankfully everything negative also aids test negative
Fast forward now (1 year and a half later) having struggles to begin to urinate
have panic that it might got caused by that fking thot
Drinking coffee solves that problem for a temporary time but still remains

tl dr

Fking girls aint worth the time if you dont love that girl. You'll just feel miserable

>>25237182
>having struggles to begin to urinate
get your prostate checked

>>25228893
Depends on how much you care. 40k is not a lot of savings, im 28 and I started with 20k savings up to 40k in crypto now. If I lose it, who gives a shit at this point, im fucked anyway, I will just have to struggle a little harder. Im all fucking in

>>25237182
this sounds like cancer

>>25236623
That was always just a way lazy losers cope anyway.

23
10k net worth
neet for past 3 years
hope this shit ends swiftly

I had 20k when I was 24, am now 26 have 130k

Just live below your standards and invest in crypto lads, it's that easy

>>25233129
how the fuck u get a fully paid for house?

im 21 and only 100k wtf

>> 25229188
tard plasticity remains you literally just have to focus more

I have 500k at 26, just invest it in crypto and have iron hands.

>>25228893
Dw op, a lot of people have negative net worth in their 20s. Not over yet.

>>25228893
I finished my master at 26 with 500$ in my pocket, in 5 year I managed to reach 600k (DCAing into BTC from mid 2017), I know it's dogshit but don't give up, you are starting with a 80X position from where I did

>>25229188
Wrong. Just gets harder over time but still totally possible to change your life and your thought patterns ENTIRELY. Yes.
The problem is that this requires a lot of effort and it’s the accumulated stress, built up over the years of terrible life choices and circumstances that stops people from making the changes.
I’m 26 and whenever I get into a groove of something, my brain feels fresh and I’m learning quick. The problem is that I am also suicidally depressed over many things and exhausted in all 3 of the trinity (mind, body, spirit). Mostly due to lack of sleep (literally broke night as I type this, on /biz/ because can’t sleep) and the lack of sleep is due to stress. It’s a negative feedback loop from hell. I gotta fix that first, or I’ll be dead from the cortisol by 50 MAX.

>>25230304
Make a new coin that will make us rich you worthless pajeet

>>25230304

>cut off your hands and fist your family.
>also life off insurance money.

Fuckface.

>>25229639
>never leave your house

Haha that corona haha

>>25228944
If you're seven figures, then literally take your money out, get a liposuction, get a stack of steroids, get hair transplants, get your moles and whatnot removed, and you'll still be seven figures.

>>25228893
unironically doing better than most 26 year olds. Most of them are in negative net worth.

>>25229188
Not true

>>25228893
>26
>$50k NW
I feel so much better about myself. Thanks OP

>25
>$600 net worth
>$400 of which are in shitcoins
haha

>>25240049
What have you done with you life?

>>25228893
Far from it. Keep working and investing DON’T MARRY FUCK WHORES IF YOU NEED PUSSY and by 35-40 you will be rich. But like I said the biggest mistake guys make is getting a second other, she will drain you of all your resources. Marriage and kids can wait until your 50
If it has to. There are plenty of women willing to marry a old man if he is stacked.

>>25240115
Why is it wrong to get a wife when you are 22?

>>25240096
>20: finish high school
>21: fuck around in college, drop out, no idea how to get a job
>22: get back in school full time for a business degree
>23: school full time + 15k loan for my 3rd year
>24: spend my 15k loan on some worthless school and rent
>25: looking for a job but my resume reeks of shit and my age is a big red flag to recruiters
Shit I'm not even worth 600$, more like -$14 400 now
I'll go back to school next year, at 26 I'll have to compete with 22 year olds, feels bad man
thank god my gf pays for my stuff tho

>>25231166
Post portfolio. If its in crypto its not real money

>>25240271
What do you think about getting a degree as a digital marketing specialist?

>>25240339
Are you turning to me for advices? I'm the guy you should listen to the least if you have 10 braincells, I'm waddling throught life with no aim or purpose
At least my meagre crypto portfolio gives me a good bit of hope for the future

>>25240374
>Are you turning to me for advices? I'm the guy you should listen to the least if you have 10 braincells, I'm waddling throught life with no aim or purpose
Go fuck yourself! I slag everybody of fuckhead so you can just go fuck yourself

>>25240418
take your meds dumbass

>>25228893
>20
>60k net worth
It's far from over bro. All we need is like 300k to be comfy. Rest is a bonus.

>22
>800 bucks
I hate it

>26
>1.3MM net worth
>95% in link
i'm moving to a different poor country for my career but i couldn't care less about climbing the corporate ladder. i've been in monkmode since i was 23 and graduated. want to find a waifu and maybe start a family. not sure what i will do once i make it this year, i like to work just not for someone else

>>25237182
try drinking more water and see how it goes for a week. It might be prostate inflamation, nothing serious. Antibiotics for a moth ang you are good to go

>all those 20 year old zoomers with lots of money
Were you dealing in cryptos since you were 16 or did your parents give you some funds? Or is it an american thing? Haven't worked a day in my life so I don't know how you can amass so much money at such a young age

>>25240866
300k won't last you till your 30's let alone to retire. Keep dreaming

>>25241259
didnt take long for me to realize how miserable life spent wageslaving was once i started working full time so i began putting 85% of my paychecks into crypto. luckily this was 2017 and i was here when all the good discussion was happening on link. i figured if it lose all the money it would be insignificant once im 55 and still working so might as well take my shot at freedom. once you have a 6 figure portfolio in crypto you can make gains that normies find unbelievable pretty easily.

>36
>negative 50,000

>>25229639
shut the fuck up normie

>>25229188
This type of thinking is why you'll be poor and miserable the rest of your life.

>>25228893
>24
>60k net worth
I lost didn't I?

>>25241429
>tfw this could be me
What do I do now. Get some shitty part time job and put everything I can save into crypto (when the market has cooled down a little bit)?

>>25241536
when i was 23 and started i really only had about 10k so you could easily catch up. you're probably in a better position considering i didnt have much in crypto until the middle of the '17 bull run. But yes the most practical advice is get a job, keep your expenses at a minimum, and throw as much as you can into projects with good fundamentals. don't go chasing shitcoins for a quick flips. maybe do that later when you already have enough in good projects to make it.

it's really not that hard but understand you probably won't make it entirely this bull run so be prepared to have to wait until the next cycle, but i will say things are looking a lot different than 17. we didnt have the institutional interest last time and if charles schwab or fidelity gets involved we may not see a drastic bear market

>>25241750
Hmm thanks. I really don‘t own any crypto rn so I‘m probably in a worse situation though. So I either buy now or wait it out and jope for a new bear market which may or may not happen. I thought about buying some within the next few days to at least get my feet wet and then move along from there. God I just want btc to be at like 15k again

>>25241937
why would you wait it out? this bull market has just started. whether you consider it starting with defi this summer or btc breaking ath a couple weeks ago, get yourself positioned in crypto NOW. the price of btc this week or next won't matter 1 year from now, thats how you need to think, long term. the winners this cycle for the most part have been picked. btc eth and link, theres others but none with as good fundamentals as those 3. link has the most room to grow.

>>25232876

Sounds like you should be living with your parents.

>dude just move out and pay rent despite being literally broke. You don’t want to be a loser, so you?

Idiot

>>25228944
Imagine being such a loser that you count potential money you hypothetically could have made in the market as 'unrealized gains'. Its probably someone elses fault you're fat too?

>>25240322

>400k home equity
>200k cash
>150k business inventory
>8k stonks
>8k hard cash
>80k crypto

Im not including the value of my ecomm business if I sold it.

>>25233554

I have all of my money in FZROX. Safe withdrawal rate is age / 20, so 1.5% for me. So despite making way more than 1.5% in gains in a typical year, I can only safely take out $30k/year. That’s only enough to pay for an independent family insurance plan. No food, mortgage, or any other expenses.

So yeah, $2mm isn’t a ticket to not work if you have a family and you’re still young.

>>25242223

damn bro...

>>25242093
Okay, you obviously know more than I do so I‘ll just do it. Thanks for the advice

>>25229639
>never leave your house
That's not very abnormal anymore, even pre-covid.

>>25232876
>The only people with actual savings are basedbois who live with their happily married parents and have no real problems.
That's my situation. Make 80k a year before investments and 98% of that income gets saved or reinvested because my family uses family plans for everything.

>>25228893
I think the median net worth is negative in your age group, so you're not doing too bad