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2023-11: Warosu is now out of extended maintenance.

/biz/ - Business & Finance


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[ERROR] No.30169226 [Reply] [Original]

I have a little saved for a home deposit, but need much more, last time I checked I needed 90k income to my current 21k part time for 5 years to qualify, and a 120k deposit for the cheapest one bedroom flat with 5% down. I kind of fucked up and started late but got STEM grad degree.

I can probably reach that in the next 10-20years saving while living at home (last year I saved 110% income with creative accounting). no car, no bills, 25% tax rate, currently no food bill either. phone is 4 GBP a month. 0 transport currently because wfh.


My question is, should I dump my entire savings into 10% btc and 90% ETF on the s&p or ftse 100 whilst I save for a deposit, or is this going to affect the mortgage qualification

>> No.30169360

>>30169226
are there any other no-no words we should worry about?

>> No.30169478

>>30169226
I just found out via Instagram my ex is now dating a 6’4 Tyrone.

>> No.30169548

>>30169478
at least you had it whilst it was tight

and that's what matters

>> No.30169617

>>30169548
Lol based

>> No.30169827

>>30169478
Busted down roasties always go for tyrones when they have low self esteem or aren’t getting any play from white dudes anymore. Mudsharks are forever unclean

>> No.30169855

Poor kid. :(

>> No.30169971

>>30169226
>120k deposit for the cheapest one bedroom flat with 5% down

WTF move

>> No.30170073

>>30169971
only jobs in my target industry are here or in silicon valley tier one.. which is by my estimation 150% + more expensive

and if I can't break into my industry I have a ton of fall back options and can live rent free for the next decade

>> No.30170211

>>30169226
Based
Nigger getting sloppy seconds
Mudshark eternally stained. Nothing of value was lost
White man who got into UCLA gets Redpilled by reality and kicked out of school because of leaked dms
Bright future

>> No.30170299

>>30170211
he's about to get kicked out,
he has been blacklisted for every single company with a pr arm or public facing or public staff listing
>he is 100k + in debt for a degree that has 15% of its original job market exposure

>> No.30170317

>>30169226
Cheated on him with a nigger and ruined his life. He must have left the seat up.

>> No.30170504

>>30169226
>runner

Not surprised he got cucked by a black guy lmao

>> No.30170840

>>30169827
One of my make it goals is to train a Belgian malinois to sense HSV-2. And HSV-1 for that matter, possibly other things. They can literally smell diseases and are used to detect Covid-19 even. Doggo will let me know if she is worth it.

>> No.30170969

>>30169226
He told off the roastie like an alpha chad. Be with enough women a few will cheat but cheating with subhumans is a new level of low.

>> No.30171097

>say nigger in a private conversation
>get banned from sports
Ohhhhhh saaaaay caaaaan youuuuu seeeee....

>> No.30171195

>>30170299
You don't know his debt level
He can still graduate
Kicked off team not school
Senior enough credits
Where there's a will, there's a way
Not everyone will care
He can change his name
Use an allias
There's a big world out there outside of Major Globohomo Corporations
There's crypto as well
Digital economy
Anonymity is growing
Bright Future

>> No.30172275

>>30170840
How can a dog detect covid 19 when it isn't real?

>> No.30172585

>>30169478
Call him a nigger.

>> No.30172865
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>>30169226
Black guy here
>inb4 white women don't like niggers
Snowbunnies don't like us blacks for long term relationships. But for random fucking and sucking, cheating, degeneracy, drugs etc. they spread their legs for us faster than you can say "kys nigger". The smarter ones only engage us if sure no one from their social circles knows or if we are presentable enough to be accepted by basedbois. The dumber ones and younger ones usually just dont give a fuck and these are the ones ending up on xvideos you /pol/tards rage about. Why do they like us? We are super confident. An average black is peak dunning Kruger. We rarely doubt ourselves. And we are very aggressive in all fronts.

Ask yourself this, why would a female admit to you that she fucks/ed blacks?

t. chad-tyrone mixed race hybrid

>> No.30173120

>>30169548
well it's probably tight for him too

>> No.30173162
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>>30172865
I hate americans so fucking much bros

>> No.30173174

>>30172865
ayo where da wite bitchas at

>> No.30173300

>>30171195
Plastic surgery
ability to relocate

people need to increase their mental fluid

>> No.30173373

>>30172865
>t. chad-tyrone mixed race hybrid
You spelled "nigger" wrong

>> No.30173377

>>30172865
I read this post in a black voice. You're voiced by Phil LaMarr, aren't you?
I like that you admitted you're peak Dunning Kreuger acknowledging you're more confident than is justified, so you're 100% correct.

>> No.30173659
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>>30172865
Get the fuck off my board nigger.

>> No.30173732

>>30169226
Yall got jobs and shit but we’re physically stronger

>> No.30173829

>>30173732
Leave nigger.

>> No.30173986
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[ERROR]

>your daughter starts hanging out with the popular group in high school
>she starts coming home later and later every day

>> No.30174016
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[ERROR]

>>30173162
>>30173373
>>30173659
>waah get out of my safe space
>waaaah mommy waaaah
Being a self aware "nignog" as you like to put it is the best thing that would happen to you in the 21st century. Literally just scream racism, instant profit. Youre living on the wrong side of history faggots. Last reply. Seethe more.
>>30173377
It is what it is

>> No.30174070

>>30173829
No nigga

>> No.30174124
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[ERROR]

GODS NOT DEAD
GODS NOT DEAD
GODS NOT DEAD
GODS NOT DEAD
GODS NOT DEAD

>> No.30174129

>>30172865
this. the root of white racism is getting cucked by BBC. Even back during slavery, the african men wore penis gourds and loin cloths outlining the jelously of the colonizer.

>> No.30174216

>>30174016
No, I've already made it off of gibs, and I don't want anyone else to figure out the secret TO the gibs dumbfuck.
I got paid out nearly half a millie from BLM, and I turned that into nearly 5 million during this bullrun, and I'm gonna cash out nearly 4 million.
If everyone else in the hood figures out how to come up, then everyone is back in the hood, but all the houses are worth millions.
Same shit, just in bevvy hills.
Ergo, don't share the secret, and fuck off my board.

>> No.30174308
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[ERROR]

>>30172865
>>30174016
>>30174129

>> No.30174397

>>30173162

Why do you assume it’s American and not a Zhang

>> No.30174480
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[ERROR]

Here's a little tip: the housing bubble isn't popping until the government stops bringing in new people (protop: it won't). Buy now or be priced out forever.

>> No.30174618

>>30172865
This is true. Niggers serve their purpose well as garbage filters. Finding out a white woman fucks niggers saves white men the trouble and expense of having to date them to find out they are worthless.

>> No.30174975

>>30171195

Just wear a disguise or some shit, get a different haircut, change name, move. Not too difficult. Even better if you work in a field like CS where you can be remote and nobody sees you up close.

>> No.30174981

>>30169226
This why I never dated in college
Also degrees being shit in terms of guaranteeing income.
Music already stopped but I sat down before even that

>> No.30175184

>>30172865

Always larp as a soiboy cuck when dating white women and act all progressive and accepting so she can tell you all the degenerate shit she did. Then leave her ass she spills the beans. Never act like sleeping around bothers you in the early stages of a relationship otherwise she’ll just lie and hide her past.

>> No.30175206

>>30174975
being known as the guy that had to say what everyone knows to pretend otherwise is deafeningly stupid. Should've just told her to be open about it and leave him be. Shit will filter out anyway and diversity has few true friends that aren't dumb fuck dead weight rabble

>> No.30175312

>>30175184
till they double think into acting prim and proper but its obvious af

>> No.30175697

>>30172865
>An average black is peak dunning Kruger. We rarely doubt ourselves. And we are very aggressive in all fronts.
A white man like this is untouchable. Wish all you faggots understood this

>> No.30175860
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[ERROR]

>>30170299
>blacklisted for every single company
wage cuck slave mindset. even if that was the case (it isn't) it would just propel his white man ass to active the business centers (come encoded in every white male) and he'd make it on his own.

>> No.30176004

>>30175697
I wish I could be like that, but I'm too honest. But if the Dunning-Kreuger effect is legit, based on my confidence level I should know quite a bit that I'm not giving myself credit for. Or I'm dumb and I know it and don't bother pretending I'm not.