/biz/ - Business & Finance

>>30392992
ABER ANON WHAT IF IT GOES DOWN?

>>30392992
I would be fine with 900€ a month as of now. I just don't want to slave fulltime for some greedy fuck
1 mil isn't enough if you want to buy a proper house. even in bumfucktown you pay 400k€

>>30392992
>Germanbros, we all know that even bankers and doctors make like 3k netto a month

Maybe if you done just an Ausbildung as Banker you will earn 3k. Doctors easily earn 800k/year brutto with their own Praxis. And shit-tier lawyers earn 6k/month netto. And no im not talking about Munich, Im talking about some shit-tier bumfuck city with 70k people where I live. In Munich, Stuttgart, Köln and Frankfurt they probably earn 2x-3x more.

>>30393042
Yeah I know the meme but let's discuss this, because I'm not too far off and want to quit everything I'm doing right now and just enjoy life and do what I want. The question is not if it goes down but when it goes down, and for that you just keep a cash reserve for 3 bad years, should be plenty. On average 64% of years in the stock market were green, the rest was red but the wins are always higher than the losses. And on average, after 10 years of holding through the worst recessions, the markets recovered and shot to new ATHs. Also there's safe alternatives like certain certificates that pay up to 4% yield, there's some risk but almost 0. So you can get to 5% fairly safely, if you have cash reserves and can go a bit more risky you can average 10% in this market I believe.

>>30392992
German Angst will kill all your kindergarten gains and I have fucking schadenfreude when your crap country goes down the drain

>>30392992
Germans are pathetic, you are richer than UK and France but still complain

leaving as soon as i can

>>30393211
stupid nigger

The best crypto project is $MCM

> post quantum secure
> future of crypto
> no ico
> didn’t solicit any investment

Doctors make like 3.6-4.2 k starting, because they make most their money from overnights and weekends. So not that bad. I make 3k in my comfy job, but soon I'm getting a promotion. Taxes assrape you sadly

>>30393101
>Doctors easily earn 800k/year brutto with their own Praxis.

Du hast absolut keinen Plan wovon du redest Ronny.

>>30393236
Leftist get a boner when they think about Germany today

>>30393236
Germany is commie paradise. If you let slip that you earn above average; everyone becomes suspicious of you

>>30393201
>4% yearly
Meanwhile inflation is 10%
Absolute state of normals

>>30393288
I'm just investing as much as I can into crypto each month. I'm up from 5k to 12k in 9 months so things are looking okay, I don't gamble on shitcoins though

>>30393250
Does it hurt Kraut boi? I hope so

>>30393101
I'm talking about the average person here, not about doctor's who have their own Praxis. Most are employed in Tarifverträgen, trust me people earn way less than you think. Even a Filialleiter of a big Sparkasse for example nets like 6k and he's basically on top locally. Shit tier lawyers yes but they have to kill themselves for 6 years or something through Jura and earn nothing in that time.
>>30393094
I would be fine with a modest house, there's many houses for around 100k that are comfy with some land as well. I don't really need a "proper" house whatever that means, I live alone and even if I started a family with 3 kids, a small house will do just fine.

>>30392992
>Germanbros, we all know that even bankers and doctors make like 3k netto a month. Most people will never earn a million in their whole life here. How much is enough to make it?

4 Millionen für mich. Alles drunter, und ich muss weiter lohnsklaven. Mit 10 würde ich diesen ddr. 2.0 Kackhaufen mit seinen ganzen Mitläufern sofort verlassen.

>>30393258
and here comes the obligatory pajeet, shilling his irrelevant shitcoin and not caring about actually contributing to the thread

>>30392992
are you retarded? I met low qualification germans who made 50 euros and hour working in factories, using machines

and i didn't met a lot of germans. You must be retarded lol
Muhhhhhhhhhhh only crypto can make money muhhhhhhh

>>30393236
That statistic doesn't tell you anything about living in these countries. I'd rather live in the french countryside than in Germany.

>>30393358
4 milion would be good, I wouldn't even quit my job though, just go half-time, still net 2k for working 20 hours/week and just watch my etfs make money for me. in 10 years I have to pay out my siblings anyway, because I want the house for myself

>>30393290
>Du hast absolut keinen Plan wovon du redest Ronny.

Hab bei ner Kanzlei gearbeit und wir hatten einen Mandaten der Arzt war und ich seinen jährlichen Umsatz gesehn du dämlicher nigger. Er hat 800k im Jahr brutto mit seiner Praxis verdient, und nein er kein Plastischer Chirurg in München. Er hatte ne kleine Praxis im Kaf.

>>30393236
The country as a whole may be rich but the average German has less buying power than your average Italian.
We pay taxes on top of taxes and somehow we're fine with that.

>>30393316
If Inflation is 10% there's even more reason to get out of the Euro and into assets.

>>30392992
Germans are the dumbest, most stubborn, cattle-like people on earth. If you are capable of independent thought you can probably figure out how to use their cattle-behaviour in order to make bank.

your healthcare costs are fully tax deductible. unless you earn 4300 euros or more a month you wont pay 25% capital income, more like 10% at 2k a month.

i assume 600-800k would be enough to make it for me, thats about 2k a month at 4% interest

>>30393450
Umsatz isn't Gewinn, fucking retard.

>>30392992
Deutschfags will never make it.
>>30393316
>>30393464

>>30393482
If you're employed, that "health care tax deductible" is already eaten up by your monthly social security costs. So there's nothing to deduct anymore. But maybe you're right, since I earn more the 4.3k

>>30393290
Du unterschätzt, wie sehr sich Ärzte durch Kassenleistungen bereichern

>>30393525
They have too, because after they treat x amount of Kassenpatienten, every other Kassenpatient nets them 35 euros maximum.

>>30392992
träum weiter von deinen 5-7%
deutschland ist von bürokratie und konservatismus gelähmt, vor allem durch den aufgeblähten öffentlichen dienst und das beamtentum

>>30393450
> Geschäftsumsatz == persönliches netto einkommen
Du dummer Hurensohn.

>>30393356
>Even a Filialleiter of a big Sparkasse for example nets like 6k and he's basically on top locally.

Thats because they only have an Ausbildung and don't have an MBA or Master in Financial engineering. You easily earn 100k first year as in IB graduate if you work in Frankfurt. The vast majority you see at your local Sparkasse only have an Ausbildung degree. The people earning the big bucks work at the Zentralle and have atleast a master.

>>30392992
My first thought is what you may really mean if you say "banker"
The wage of doctors and physicians is really a shame in Germany (or in general, really), but those are jobs chosen because they are safe (will always be needed) and so people get into bad deals.

I work in tech, 85k Euros brutto or about 3700 Euro/month netto, but due to the Nasdaq boom and shares plan, it's about 10000 Euro/month. tldr get into something that's already publicly traded?

But I'm Heimatliebend enough to say I'd rather earn 2500/month and live the student life in Munich or Vienna than making twice that and live in some shittier country (which includes just about basically everything else).

>>30393482
I just tried to make the case that even worst case (30%) you can get by but good points. I think I'd be a bit nervous at 600k because you will probably eat into your principal and have nothing for quality of life or a house.

>>30393450
Umsatz, du Affe.

>>30393559
There is no more consequences for failure either. This country has been destroyed by Angela Merkel. Great men built it, an average women has simply administrated and let it rot. Reichsverweser gets a whole new meaning

>>30393457
The 90s and the early 00s were definitely the times where we had it good and it wasn't conspicuous how incompetent our politicians were. Now their uselessness is right in your face obvious.

Compound interest peasant. If you spend everything you earn you’ll stay poor. If you put every month 500€ on etfs with 10% average return, you’ll have your first million in 23 years your second million in 30 and Four millions in 38 years.

Just save and put it in side mein neger

>>30393373

sure thing achmed

>>30393373
>are you retarded? I met low qualification germans who made 50 euros and hour working in factories, using machines
bullshit. Thats the level of underwater welder or air traffic controller. Some of the best paid non university jobs.

>>30393236
Germans are not really richer then french or english.

>>30393582
He fell for the College Meme

>>30393559
Bist du behindert? Was hat die deutsche Demokratie mit meinem Schweizer Konto und meinen globalen ETFs zu tun?

>>30393556
Yeah I can definitely understand it.

>>30393574
Sein Umsatz war 800k/jahr stimmt aber sein netto gehalt war trotzdem im 6-stelligen bereich.

>>30393450
Warst du nur zuständig für die Ablage?

>>30393450
Arztfag hier. Bitte das Fach sagen...

>>30393621
Its because nobody is punished for failure anymore. Look at BER, look at the whole corona disaster, every facett of life is gouverned by incompetent people who are just left to do as they please. this country is just slowly dying, only being kept alive by the foundation laid by others

>>30393656
junge checkst du eigentlich was momentan abgeht auf der welt in sachen MMT?
glaubst du ernsthaft du wirst für immer und ewig 7% erwirtschaften?
behinderter hurensohn

>>30393679
Currency correction soon, my brother.
The way we're printing money right now, I'll give them two years before the currency absolutely tanks.

>>30393633
Dude you don't get it, I can't get over the fact to work a shit job with high pressure that I don't care about and where I enrich someone else. I can't look outside where it's sunny and know that I am stuck here until 18 Uhr. I just want freedom, the point is not to spend everything and to compound a fraction of the interest.

>>30393633
23 years of saving... only Germans can have such ideas... You want to get reach in a reasonable time frame not in 2 fucking decades!

>>30392992

Lmao.
Invest everything you can into dividend solid companies with future and go abroad.
Germany is beyond saving brother.
We import massiv 80 IQ gorillas with absolutely no value to our job market and cant integrate them into it for decades, letting out social system feed them etc.
Take in addition Automatisation and rationalising and industry 4.0 hitting the Social system like 12" dick a 14yo pussy.

All you can do is leave asap this country, unironically.

>>30393672
kann mich ehrlich nicht dran errinern.

>>30393648
>he fell for the ausbildung meme

kek sure go ahead and get your shit-tier ausbildung like mohammed and ahmed where they exploit you for 3-4 years and then give you a shit-tier degree that is only recognizable in germany.

>>30393748
I hope so. Fuck this country and its stupid population. Everybody's poor as fuck, votes for more taxes or more senseless policies, like we can save the climate. Germans are just fucked in the head, always thinking they can save the world, this time by being MORALLY SUPERIOR. its the herrenrasse all over again, this time in another direction

>>30392992
If you want to get rich, go in to politics. The state has the power.

>>30393236
>you are richer
Germoney is a meme.
The median adult wealth here is below Italy and Greece.
We have free schools and healthcare for the most part, but salaries are abysmal and you pay taxes and other government enforced things out of your ass.
It's almost unbelievable that crypto is free after a year. Can't see how they won't change that to get a piece of it soon.

>>30393818
Better prepared to swallow loads of muslim cum and be cool with inviting more legally retarded people over while simultanously making it more and more expansive to have children for natives

>>30393797
But where?

Also can someone tell me how I can avoid paying 44% taxes on my yield farming income?

>>30393727
>MMT
Kek, naja arbeite fleißig weiter, Jens. Der S&P 500 hat in all seinen Jahren knapp 10% jährlich im Durchschnitt gemacht, in den letzten paar Jahren viel mehr als das. Leute brauchen Kapital, wenn du es hast, verdienst du daran.

>>30393850
They'll try to come for crypto, but since this country is a slow death process, you have atleast another 5 years

>>30393881
Hope you asked your finanzamt for a statement, because some claim that staking increases the years of holding for being tax free to 10 years

>>30393101
Doctors earn shit. They barely break even. Lawyers however earn ridiculous shit.
https://www.br.de/nachrichten/bayern/falscher-rechtsanwalt-in-muenchen-verurteilt,SIChC7y
Also why are you even trying Brudis. Just fake your certificates and live like a king.
>300k fine and two years of Bewährung for 6 years living as the absolute top dog

Literally why isn't everybody doing this

>>30393799
Oh really do you also know your 6 semester Meme Bachelor?

The international standard is 8 semesters! The German Government is laughing at you as they made it even more difficult for you to leave the country.

>>30393799

>kek sure go ahead and get your shit-tier ausbildung like mohammed and ahmed where they exploit you for 3-4 years and then give you a shit-tier degree that is only recognizable in germany.

i did the Ausbildung "meme" as you call it.
managed to save 12k€ there.

3 Years after finishing my meme ausbildung i saved 100k€ printing me netto dividende of 700€ per quarter.
It all depends on yourself, but germany is still beyond saving.
With the same Job Abroad (for example in the 'states) i would have unironically made 300k€ the 3 years.
Fuck germany and the sandniggers we import

>>30392992
you guys are retarded
your housing market was late to the party everywhere besides munchen and yet you never capitalized it
cringe desu

>>30392992
3-10 million euros is enough. 3 - 10 depending what lifestyle you envision.

>>30393850
>The median adult wealth here is below Italy and Greece.

Does that surprise you kek?? The average german blows all his salary to finanz an AMG so he can flex outside the Klub/Shishabar and then go 2x to mallorca für SAUAUUUUAUFFEEEEENNNNNN. And then they wonder why the average german is broke af. Atleast italians and greeks invest their money in properties and not in retarded cars and useless vacations.

>>30393800
This.The political leadership dosent create anymore. They are only living from the substance. The only things they do is introduce more taxes, more bans, more thought control. This has nothing to do with political parties. They are all the same ilk.

600k und du bist set for life wenn du das Geld früh genug zusammen hast. 2x 2-3 Zimmerwohnung kaufen, eine bewohnen die andere vermieten und währenddessen normal arbeiten. Comfy lifestyle mit ganz gutem Leben

>>30393587
>85k a year
>left with 3700 a year net
holy shit lmao you get raped in taxes wtf

>>30393887
Du bist so unglaublich dumm, dass kein Argument, welches ich nennen könnte, hilft. Wach auf aus deiner Traumwelt.

>>30393850
True, this is why it's easy to achieve. I held LINK for 3 years, already cashed out some profits and not a peep from the bank or the Finanzamt, and it wasn't little (40k). The good thing is that German law is mostly in the way that if you bought during the old law, the law will apply to that transaction for another decade minimum.

>>30393953
I am (was) a pilot and I would take a lower doctor salary just for the employment guarantee. Lufthansa are scum and cannot manage money which covid shows

>>30394012
>invest in properties
Because they have to pay less taxes on properties than here in Germany.

>junge
>alter
>behindert bist
>hurensohn
This thread reads better with some german electorhouse.
https://www.youtube.com/watch?v=Vol0vAv_dh0

>>30394021
There's literally 0 difference in most parties. Even the fucking FDP is silent on that shitty migration policy that is destroying this nation. Can't vote for these clowns either.

>>30394062
Try working for the Deutsche Bahn lel. atleast we're a quasi state owned company

>>30394033
Nein danke, ich bleibe in der Traumwelt, die seit 150 Jahren funktioniert, morgen früh aufstehen nicht vergessen.

>>30393850

You only live in germany to work and pay taxes and be a solid member in the community, lmao.

let the gov. take control of your retirement and everything else, just be a good goy in exchange and dont embrace your true wishes in life

>>30393887
Du bist nicht der hellste oder? Schau dir an was diese 10% M3 Inflation adjusted für Returns geben. Die Inflation in den letzten 10 Jahren liegt jährlich bei durchschnittlich 10%. Immobilien - vor allem in Wachstumsgebieten - steigen um 15% pro Jahr. Münchener Umland 300-400% in 10 Jahren.

>>30394081
property taxes in greece are higher than in germany

anyone else regret studying CS? I could have gotten a shitty IT ausbildung and would have made more through that with crypto investments. now I'm stuck in 4th semester of this useless shit

>>30394087
If I could go back I would be a train driver instead of pilot DB probably pay drivers more than LH group

wish i lived in germany

weihenstephaner hefeweissbier costs almost 4 eur here per bottle

t. finland

>>30394028
It's 3700 per month net, but yes it's still true.
In Germany/Austria, the rate is pretty much linear

netto = brutto / 2 + 500

in Euro. At least the Germans do a bit more with taxes than the US

>>30394102
>let the gov. take control of your retirement
On which you have to pay taxes as soon as you're eligible for it.
I fucking hate this country.

>>30393324
>be me
>gamble on shitcoins
>turn 2k into 6k within 2 weeks
Not saying u should gamble too but it sometimes feels too easy

>>30393780
I don’t know you background. You can create your own business. Or you can teach German from Vietnam or work remotely from there. There are many ways and places where you can be „free“.
>>30393787
It’s investing. Not everyone is born into wealth. Some of us has to work for it. This is a way which can work for anyone who has 500€ extra per month instead of buying the newest iPhone and going twice per year to expensive vacation. Hell even cooking saves shitloads of expenses.

>>30392992
belgian here
i think about 750k would be enough for a reasonable life, and 500k if you already have property

ETFs like VWCE have averaged about 9% gain a year, even with 6% it would give your 30k net a year (not sure if you get capital gains tax in Germany)

30k net for me is too much, for others maybe not

doctors make more though i think, like 4k net probably

in IT you can earn more

but the best earners do this :
- own their own company / freelance at 10-20k brut a month
- invest in real estate, buying house after house and rent it out until they got 4-5 properties

>>30394115
That's why they simply don't put a roof on their houses, thereby not finishing it and not paying taxes.

>>30394133
You can simply apply bro. If you have an Ausbildung or a degree, they'll literally train you to be a train driver within 9 months.

Also, how fucked is this system, I pay 500 bucks into the pension system each month, thats money that i'll NEVER see again. Gimme that 500/month extra and I can retire in 20 years

Wie kann man eigentlich so behindert rumheueln. Seid doch froh das hier leben könnt. Ja Haus kaufen ist teuer, dafür Pack ich mir bei Lidl den großen Einkaufswagen randvoll und Zahl knapp über 100€ und das reicht zu zweit eine Woche. Hatte nach dem master Studium 60k brutto Einstiegsgehalt, so viel verdient mein Vater nach 30 Jahren in der selben Firma. Der fährt jedes Jahr 6 Wochen ins nicht EU Ausland und macht Urlaub. Ich hör hier nur mimimi wenn es euch nicht passt wandert doch aus.

>>30394127
get your bachelor/master and fuck off to the states to earn really money not like here where you get taxed 50% on your 50k salary

>>30394062
I work 60+ hours a week with constant stress. Sick as fuck boomers constantly trying to die. I make 2800 euros a month in pay netto. No time or energy to spend it.

>t. Assistenzarztfag

>>30394082
>junge
>alter
>behindert bist
>hurensohn
Ah, the basic pillars of german Neusprech. Europe used to call us "Land der Dichter und Denker", wonder wath happened to that.

>>30393961
You have to thank the US of A for the "sandniggers". The US is unironically our greatest enemy, destabilizing regions on our doorstep, throwing North Africa and the Middle East into turmoil for their corrupt, senile statesmen.
My hatred towards US bureacracy and corpotocracy is beyond imagination.

>>30393850
>Can't see how they won't change that to get a piece of it soon.
They definitely will when the Bundesfinanzhof declares that taxes on cryptocurrencies are unconstitutional. This would be great short term wise because gains on crypto would be entirely free but let's see in which way the lawmakers are going to fuck it up for us.

>>30394174
I'm in it for the long haul, treating it more like an ETF

>>30394190
typical german mindset, BE HAPPY YOU'RE GETTING RAPED BY TAXES. You just lack the imigination or the drive to imagine a better life you dumb fuck

>>30394136
sahti ftw finfag

>>30394087
Hallo Kollege, Netz hier

>>30394136
I like to think Finland is better than Germany, your women are beautiful.

>>30394189
>Also, how fucked is this system, I pay 500 bucks into the pension system each month, thats money that i'll NEVER see again
On which you have to pay taxes as soon as they start paying out that pension.

>>30394211
indeed
amerimutts are the biggest cancer of the earth
i'd rather earn half my current wage in a pure white country than earn an american engineering salary in the current situation

>>30394093
Nö, brauch ich nicht mehr.
Würde gerne deine typisch deutsche Jonathan-Fresse sehen mit deinem typisch deutschen, moralischen Überlegenheitsdenken, obwohl man eigentlich überhaupt nichts kann. Denkst auch bestimmt du bist klüger, als alle anderen, was?

>>30393457
growing up in Italy and born from German parents, I can assure you that the buying power is bs. Germans usually have much more income to spend in non essential things (just look at the salaries, Germans make easily x1.5 netto compared to Italy while having a slightly lower cost of living).
HOWEVER, the average italian is much more wealthy than the average german because of his higher net worth due to immovable goods like inherited houses and lands.

>>30394239
Nice man, you guys actually do work.
t. Konzernleitung

>>30394256
Absolutely fucked. Just like inheritance tax. Double taxation should be punishable by death

>>30394209
Schweig du Mohr!

>>30393523
yes, your personal tax rate has to be lower than the flat 25% capital tax.

>>30393727
>hurr durr es kann nicht immer so weiter gehen
>Crash immanent
>Bald kommt der Crash
>any second now
>Das System stürzt ein!!!!1!!
So klingst du.
Irgendwann kommt sicher ein Crash aber du wirst ihn nicht vorher gesagt haben. Es wird irgendein Lehman scheiß sein, sonst käme es ja auch nicht zu einem Crash in 07

>>30394185
>i think about 750k would be enough for a reasonable life
Depends 100% on what your goals are.
You can live in a 70m^2 flat with less than 2000 Euros per months just fine if you don't want kids.

From that angle, I mostly agree with >>30394190

>>30394200
>I make 2800 euros a month in pay netto
Wtf. Im just a lowly industrial mechanic and make 2k net in east germany. If i would work at VW or some similar company I would easily make over 3k net.

>>30394190
This is such a non argument.
You can't tell me that there's nothing in Germany that pisses you off.
You can't tell me that, if you were to pay less taxes, you wouldn't be happy about it?

>>30394111
Dies.
Aber spar dir die Worte. Der Junge ist zu dumm, um das zu verstehen und glaubt weiter an seiner ewigen "gAiNz" aus dem S&P

>>30393850
You still pay up to 45% taxes on your steaking gains...

Sensible plan. Too many kids look to crypto or other ponzi's in some expectation that they get get a free ride through life. Earn through hard work, save, invest in good stable investments, and enjoy a nice living off it.

>>30394312
Sad fucking existence, living in your shitty apartement with no family or kids while more and more sandniggers move in around you. Thats not living man

>>30394228
>>30394333
Klar kann ich mir das vorstellen. Ich Versuch auch mein bestes das zu ändern mit meiner Stimme bei Wahlen. Mitglied in der Gewerkschaft etc. Aber man kann halt nur so viel machen wie man machen kann. Oder soll ich mich jetzt in telegram mit aluhüten treffen und den Sturz der Regierung planen ?

>>30394127
no, i did it for status and getting more respect from others and because i liked the subject, not because of money only

>>30394267
Especially when your inheritance tax is min 4% and max 8% while we have to pay 25% on it.

>>30394369
>t. justus Opfer

>>30394378
>mit meiner Stimme bei Wahlen

>>30394344
Das Schlimme ist ja, dass es nicht mal den Konsum abdeckt wenn du jährlich 10% machst, weil sogar der CPI (und der Europe CPI) nur manipuliert sind. Sogar Lebensmittel steigen jährlich um 2-5%.

>>30394318
This is why we have a doctor shortage in this country. so many colleagues leave, then we import third worlders to try and fill the void. clownwelt

>>30394190
>Hatte nach dem master Studium 60k brutto Einstiegsgehalt
You are top 20% with that income.

>>30394312
>You can live in a 70m^2 flat with less than 2000 Euros per months just fine if you don't want kids.

Geh und hol deine Schwester von der Shishabar ab nachdem sie von 6 kanaken im Klo gefickt wurde du Opfer alter

>>30394378
>mit meiner Stimme bei Wahlen
Not shitposting. Ich sehe einfach keinen Unterschied mehr in den Partieien, die zur Wahl stehen. Im Endeffekt sind Sie alle gleich. Keine Problemlöser, nur Heuchler.

>>30394398
lel, so you think living in your 70m2 apartement alone is actually something to strive for? To look forward to? Man, you must be one sad guy. Also the justus meme is just envy because justus's parents actually worked and took risks, so they made some money. But in typical german fashion, those who make it are just lucky and are undeserving.

>>30394378
Ich wähle nur noch Links. Die einzige Protestwahl die bei der CDU/CSU ankommt, Afd ist controlled opposition und selbst wenn die gewählt würden, wären sie nur der Recht Arm der CSU.

>>30394312
yes, i'm a simple guy who lives a simple life
but 2K here would give me a luxurious appartment, i can rent a nice villa at the coast for 1k a month
I guess Belgium is cheaper

>>30394378
Nothing is gonna change, thats just the sad truth. The best you can do is make as much money and find your peace while this whole continent crumbles. I just want to make enough to move away with my family and live in peace. where to i'm not sure yet, but i'm working on it

>>30394369
Bleib mal locker. Und eine Familie zu gründen ist auch Risky Business, so wie die Weiber heute drauf sind.

>>30394369

it's actually more expensive in neighborhoods with many sandniggers

>>30393369
you know it's a shill when they add the $ to the coins name

>>30393324
>5k to 12k in 9 months

If you put 5k in crypto 9 month ago you would have at least 25k right now if you just bought btc. Did you buy scams max torben? Did you?

>>30394490
Anon, to have a family is the end goal of our existence. Yeah, bitches are fucking trash, but there's plenty of decent, good women out there.

>>30394453
Politics Politicks. Alles Parasiten, kein einziger hat auch nur einen Tag echte Arbeit verrichtet, sich auf Kosten der Allgemeinheit in Meetings mit anderen deutschen Hackfressen zu setzen ist echt kein Verdienst.

>>30393356
Bro you know English words exist, you don't have to shoehorn German words in every sentence

>>30394508
sure, but :
> >50% of marriage end up in divorce
> divorced men have higher mortality than single men
> >30% of women are neurotic
> many of the wives cheat

marriage is like being a wagie : you continuously have to work to get something in return

>>30394505
>only 50k in Bitcoin
feelsbad
Will I make it?

>>30394451
Oh he's back again. The interracial porn obsessed retard, fapping to his shishabar fantasies.

>>30394524
>kein einziger hat auch nur einen Tag echte Arbeit verrichtet
Das Hauptproblem. Die heutigen "top" Politiker sind all aus Parteikaderschmieden. Die sind einfach kilometerweit weg vom wirklichen Leben.

>>30394455
>Man, you must be one sad guy. Also the justus meme is just envy because justus's parents actually worked and took risks, so they made some money. But in typical german fashion, those who make it are just lucky and are undeserving.


k justus. Now remember to pick up your sister after she got gangbanged by 6 sandniggers and her nudes leak in your whatsappgruppe

>>30394505
No, but I didn't have the 5k in one go, so I've been steadily buying RSR and HBAR when I have the money. Limits the risk to market. I'd have 18k now, thats true. But it is what it is

>>30394564
Not to mention the looming threat of her cheating on your ass and still get 50% of everything you own.

>>30394570
Not in btc no.

damn the misinformation in this thread; im already making more than 3k net with just 2 years of experience as a programmer and there is a company pension scheme on top. The banking guys in Frankfurt easily make 100k+ yearly brutto

>>30394466

you just proved him right
>>30393464

The leftist will tax you to the peasant level while flooding your country with more unskilled workers to suppress the wages even more.

>>30394579
Lies mal "Über die Demokratie in Amerika" von Tocqueville. Vor 180 Jahren geschrieben und so aktuell wie nie.

>>30394564
Life's a risk, what can I tell you.

>>30394584
I don't know what happend to you to make you this way but I feel sorry for you. Did they tell you how smart you were in school, but now you just drive Amazon Prime packages all day? Is that why you're so jealous of people that have found even a little bit of success in their life? Sorry that some people's parents weren't loosers that could never offer them anything.

>>30394593
>steadily buying RSR and HBAR

So you did buy scams. Get that shit in Eth/link/btc/dot and get rich anon.

>>30394621
>Works for me :^)
You did it, Hans. You tricked the system.

>>30394675
No thanks, I'm pretty certain in my choices. We'll see, all crypto is gamble after all

>>30394621
This.

The only people whining in this country are dumb faggots that fell for "ausbildung" meme. Anyone with a bachelor/master in a non-meme field is earning 70k-100k starting especially in Frankfurt/Munich

>>30394650
>1. Semester Sozialwissenschaften
Ausgelutschter Scheiß und nix Neues.

>>30394621
got a degree or how did you get that job? i know entry level jobs at the gov can net 2400-2600 when you have a master's, but your wage is kinda at the high end

>>30394661
>Life's a risk, what can I tell you.
Respect other people's choices then.

>>30394694
in Belgium >100k is kinda rare, but an engineer after 10 years of experience should get there without much trouble

someone without a degree? eh ...

a surgeon gets 15k brut a month or so, a politician like 8k, doctors probably 5-15k

>>30394642
It's over either way. I will not sacrifice this country to the AfD grifters and the CDU lapdogs. They will extract the last drop of wealth from this country. Voting leftist strengthens an actual opposition with worker's rights in mind. The tax on capital gains does not matter to me, I will never cash out, just collateralize my holdings.

>>30394696
Hat er denn etwas Anderes behauptet, du Klugscheißer?

>>30394718
I do, I just think it's a sad choice
>>30394715
A13 is 3200 netto, but then its a slow crawl to more money in public sector

>>30394223
The boomer elite haven't caught on to it yet. But believe me they will. Enjoy while it lasts.

>>30392992
Hey german bros, Amerifat here. Please come to the US you'll probably earn 5x what you are currently and there are a ton of black chicks for you to perv on and masturbate to.

>>30394696
100% German attitude

>t. M.Sc. Wirtschaftsingenieurwesen 109k/jahr brutto IB in frankfurt

>>30394211
Even then, all you had to was to close the borders. But its all part of the Globohomo plan.

>>30394696
>180 Jahre alt
Logisch ist es alt, ich hab das Buch im Zusammenhang mit Mises und Austrian Econ kennengelernt, ohne das zu studieren.

>>30393236
We are not. We are the poorest of Europe. Even the average Italian is more rich than us. Rich Germany is a meme.

>>30394804
kek, so you make like 60k net?

>>30394455
Typical euronigger taxcattle and their socialist gulags. A continent of docile cucks and compromsed elites.

tldr; roman empire compromised all lower and middle elites and it's been like that ever since. The rest of the peasants seem oblivious to it to this day.

>>30394781
I would have gladly when Trump was still president. Now I don't know what will happen to the US. Too much uncertainty. I would prefer going to Switzerland.

>>30394804
it's always the master's degrees
it's strange how in the US they attack college while in western europe it seems like degree is very important
how much do you net a month?

>>30394539
Woah check out my ID, that's cool, never had a cool one like that

>>30394715
just a b.sc. Its a mid-level Berlin startup. I started at 45k but after the yearly promotions you can quickly get to 65k.

>>30394920
He makes 5k Euros net

>>30394878
> 60k net
the absolute state of poorope

>>30394878
66k netto + 25k boni get cucked azubifags

>>30394865
my father says it's because Hanses und Gretels don't buy houses they buy fancy cars

my grandfather started broke, ended with like 5 houses. he got wealthy by buying real estate

>>30394920
110k falls into the 45% income tax bracket.
So he basically gets half of that /12 which comes around to 5k net

Not really sure what german anons are compaining about. They have it the best in Europe (bar Swiss and Luxembourgers maybe). All the problems everyone here is listing already exist in other countries except even worse. And if you really hate it so much you can easily leave, you are all EU citizens, freedom of movement and shit.

>>30394951
He pays 31.000€ a year in income tax.
How is that not theft?

hab nach meinem studium, teils schon parallel zur master thesis, richtig hart geballert auf im dschob und alles in chainlink reingeknallt.
fühle nun ziemlich gut brudis, nur noch ein wenig geduld bis diese ganze umwälzung durch ist und dann raus aus deutschland :^)

https://www.heise.de/news/Online-Register-Bundesrat-macht-Weg-frei-fuer-Steuer-ID-als-Buergernummer-5072900.html

in der zwischenzeit tauche ich unter in den ÖD und lerne nebenbei irgendwas mir IT

>>30393953
The trick is that you can fake everything in Germany and get away with it, especially in the job market with certifications and zeugnissen

>>30394977
Amazing lol
Bet you spend it all on your big boy luxury Audi and an expensive flat.
The interesting part is how much you are able to invest.

bros who the fuck should i vote for i just turned 18

>>30394951
that's a lot in W-Europe dude, believe it or not
an average salary in Belgium is 1900 euro net
in a 4th year of a PhD you earn 2600 net

i was considering going to the US because of this

>>30394985
thanks

>>30394988
ausländer out of this thread

>>30395031
Rentner Partei

>>30394367
Yeah and it's ridiculous how you have to track that day by day unless you want to get fucked by the only actually efficient government agency out of the whole bunch

>>30395044
I'm not living in Germany you retarded fucking kraut

>>30395028
flat is paid by the bank and I constantly use uber/taxi

>>30395031
nobody

>>30395086
Yeah, that's what he said.

>>30394694

Wrong , these non-meme field is non-existent in germany.
Even with Bachelor/Master you have to shine out of thousands of competitors.
Often a pajeet will do it for less than you.

Most Bach/masterfags do 2.5knet to 3k net, unironically

Could you please stop being such absolutely cringe inducing raging faggots? Half of you type like Muhammed who feels he's going to conquer the world because he was the first in his family that got Abitur and heard about crypto like 3 years ago.

In Britain we are told Germans earn high salaries and can support a family just by getting a job as a technician at the VW factory, as it used to be here 50 years ago

>>30394041
Trust me anything over 10k will get you fucked over sooner or later. Speaking from experience

>>30395082
I have been thinking making a company to receive the staking gains.
I could reduce the taxes to 26-30% depending on the location, but I have no clue how that would work if you tried to make a company only for steaking.
Something gives me the feeling I would need some kind of financial license to do "banking" and I would get blacklisted from most banks...
If I have to spend time to create and manage a company, I might as well do it somewhere else inside the EU with less bureaucracy and taxes.

>>30395195
That teaching material was probably created 50 years ago as well.

>>30395147
>Most Bach/masterfags do 2.5knet to 3k net, unironically

Thats maybe if they have a BA in germanistik or some shit like Sozialwissenschaften und work at these nigger-tier startups getting fucked. Do an internship at 16 at a respectable bank/law firm, work as a werkstudent at a bank when you are doing your degree and you can easily negotiate 6 figures you dumb faggot.

>>30395221
Did the taxman come for you? I'm logging all my trades so I can prove that I've held for over a year just in case

>>30394378
>Mitglied in der Gewerkschaft
lmao
>>30394466
>Ich wähle nur noch Links.
So you want even higher taxes? You are retarded. Fuck off from /biz/
>>30394979
In part but mostly because of taxes. All the wealth we create is removed from Germany and redistributed to other EU countries. Basically we already have EU-socialism.
>>30395031
If you want less taxes and/or you are investing in the stock market your only options are AfD or FDP.

>>30394865
>Even
Italy is poor is a meme as much as German efficiency/money/engineering

what do young germans think about the heavy taxation? in favor of it?

>>30395195
kek
I can't even buy my small apartment with my top 20% salary and get almost the highest income bracket for my wage slaving.

>>30395195
The grass is always greener on the other side

>>30395195
>In Britain we are told Germans earn high salaries and can support a family just by getting a job as a technician at the VW factory

True. You can easily earn 3k netto/month + 8k bonus/year working at a VW plant with a 3 year apprentenchip.

>>30395273
>Do an internship at 16 at a respectable bank/law firm, work as a werkstudent at a bank when you are doing your degree and you can easily negotiate 6 figures you dumb faggot
Scheiß Stiefellecker.
Und wenn du dich mit 18 direkt für deinen Chef bückst, gibt's direkt 10% mehr.

>>30395298
I'm sure they do because most of them are still in college and don't pay shit in taxes.

>>30395298
>>30395358
this. I love these fucking asshats, once they get their first paycheck and see what they get after taxes, they all cant believe it

>>30395087
If you dont save at least 3k each month, youre just well paid cattle.

>>30395349
>Scheiß Stiefellecker.
>Und wenn du dich mit 18 direkt für deinen Chef bückst, gibt's direkt 10% mehr.

kek keep coping you fag. What were you doing at 16?? Let me guess, playing LoL all day after school like a faggot. Meanwhile I was interning at a top law firm fucking the the 16 year old azubinen in the Ablage Raum

>>30393101
I just study law. First Examen next month... trust me, it isn’t worth the money you will earn. You sacrifice your life and mind. Absolutely horrible.

Also you have to pass two Staatsexamina. the First one is like university part which takes ~5 years while you get nothing. The second one is the practical part which takes ~2 years. You get like 1k Aufwandsentschädigung for this Time per month.

after that 1 year Psychotherapie and you can start working at like ende 20/ Anfang 30.

>start thread about investing and living off dividends, being financially free
>90% of responses discuss their wages and argue if it's half or a bit more than half in taxes

Okay, maybe I shouldn't ask germans about this shit even though I live here. The fucking point is that I do not want to waste my life in an office with people I do not like, doing stuff I do not care about. My question was entirely about if it's possible to sustain that lifestyle long-term. Thank you to everybody who responded, even the schizos who think MMT will destroy the world (it certainly can bring a crash but what's the alternative, slave away anyways?). It's actually absurd, if I cash out 200k right now I can live off that for a decade easy and figure out way more enjoyable income streams I think. And if not, fuck it, just go full self-sustaining and work on my own farm. Still better than to work for crumbs.
>dude just wagecuck for another 56 years

>>30395273

Most of these firms you mention only hire dumb hydrogen blond blue eyed big booby 20yo Katharinas or go full diversity .

>>30395221
I have been sending my crypto tax report for 3 years and didn't get any problem until now.
The first time I sent it I was a bit afraid because I didn't get any answers for 10 months and thought they had lost it...
I had more then 10k in losses that year thanks to the BTC crash.
It's going to be funny to see their reaction when they see my Link stack increase in size again for the third year and me not selling anything despite having millions.


Also AAVE, Bancor and every DeFi which convert your tokens to something else increase the hold time again and is considered as cashing out...
It's a bit tiresome...

>>30395505
Put as much money into crypto / ETF, thats all you can do. Once you think you have enough, live of the dividends, preferably while reinvesting. 200k is not enough

>>30395518
You don't have to declare your crypto unless you wanna get credit for losses/ make a profit, so why report it ?

>>30393800
This resonated with me. I'm not a german though, but I've always been puzzled by the vibe germans have. I used to think it's guilt from nazi era, but when you look at the history they've always been like this. Seems like there's something lacking on the emotional side of things. Most germans almost completely lack all sense of humor. Somehow I think that's why they also lack a lot of self-confidence

>>30395505
Youre a dumbass dude, you have no clue what unchecked expansion of the monetary supply does, what 0% interest rates do, where that money even comes from (hint: its just monetized sovereign debt)
Go ahead and go for your 6% yielding trash stocks that grow on average about 2-4% YoY and then see how long that 1 Million lasts you.

>>30395593
They're just risk averse to the point of it being retarded, that's why everbody that actually takes a risk is considered crazy and if it actually pays off, its just luck.

>>30395479
Just put all the money you can in crypto until you finally can practice. You gonna earn at least 6k netto. Our newest hire at the law firm I interned at was earning 6k netto/month just by copy-pasting schreiben to krankenkassen disputes all day, and he was fresh from the uni.

>>30395549
I know 200k isn't enough, that was just a fact that got into my mind, people act like you have to be constantly paranoid if you have less than 5 million in your account, meanwhile most people never touch 1 million in their whole lives. I already have everything in crypto and cashed out some for comfort. I am pretty fucking stacked at mid 6 figures. I still work and study at a bank but I can already see that I cannot do this for another 40 years, I simply can't. If another euphoria happens and Chainlink goes to 80$ I am already done and can cash out a lot, I will keep a portion forever tho because maybe the 1k meme is true. I literally bought at 0.24$. Maybe I'm in a unique situation that many people just don't have so they argue for working and saying it doesn't work to live off dividends. Well, either way thanks for the food for thought.

>>30395703
It definitly works to live of dividends. You just need to have enough starting capital and a good mindset about reinvesting to combat inflation

>>30395505
You better not keep your money in cash if you hope to survive the next hyperinflation episode.

>>30395581
You have to declare every transaction.
I heard from some youtube channel at that time that it's better to declare your gains over 1 year and have it checked by the tax men than to not report it because it's not taxable. If you cheat with more than 50k you can get sent to prison...
I prefer to be safe than sorry. If I make a mistake they will at least believe I did m best to report everything.

I also wanted to have a proof that I made it with my Link stack so they won't come ask to me where it came from.
If they see that I already had most of my stack 2 years ago they won't get the idea to tax it for short term gains.

>>30395621
I can definitely see some of this too. Something like they aim to be so rational they end up excluding randomness from their world view. They don't like chaos and randomness and that's why most of them will never make it

>>30395755
You have to declare every transaction if you make a profit yes. Since I don't trade that much for profit I guess you way makes sense

>>30395593
>nazi guilt

germans getting pozzed with guilt tripping their whole life in fucking school. ofcourse everybody gets completely fucked in the head trying to save the world and relief the guilt. because as soon you let your natural instinct go and just simply go for: 'well i should prioritize my family, friends and people around me' you instantly feel the 'eternal nazi guilt by birth'. germans hate rocking the boat and prefer the misery, that they are used. thatswhy we have fucking everymoresocialist leaning merkle for over i dont even fucking know anymore.

>>30395612
Tell me where to put the money you fucking retard... on my Girokonto??? Yes it's fucked up what people do but you literally have no alternatives

>>30395755
Why would I send the tax man anything if I just buy and hold stuff? It's none of their business what I do with my money as long as I dont realise profits/losses.

>>30393850
>It's almost unbelievable that crypto is free after a year. Can't see how they won't change that to get a piece of it soon.
This is my biggest fear since 2017. Imagine they finally change this and the last hope gets crushed. I'd actually kill myself. No escape.

hahaha shut up dumbasses, i will never click on your fckn referrals, don’t even dare! my pajeet pepes will fuck you to shizo
i actually don’t give a fuck, i already invested in $PHR and just prepare for graphene airdrop

>>30395284
>If you want less taxes and/or you are investing in the stock market your only options are AfD or FDP.
thanks, I don't want afd, shill me another one

>>30395825
ja anon in your girokonto naturlich

>>30393101
du hast keine ahnung wovon du redest. bist wohl noch schüler.

deutschland ist heute ein niedriglohnland. da landen auch ingenieure bei zeitarbeitsfirmen und verdienen um die 2.5 k netto.

>>30395871

>>30393288
>>30393324
nigger wtf you make 3k but only have 12k in crypto? ngmi

>>30392992
>we all know that even bankers and doctors make like 3k netto a month
is that true?

there is a meme here in Italy that every German makes 5k by shuffling boxes around in any warehouse

t. shitalian with 2.1k netto wage in automation industry

>>30395871
I just don't understand your point, you're a polcel I guess. Constantly complaining and crying for the crash but never doing any moves to profit in any situation. I have no €€€, only assets. And guess what what happens to assets when they print unlimited money. Your argument seems to be that either they create monetary communism (in which case nothing helps and we will all be slaves but why concede before it actually happened) or that everything crashes hard as fuck but even then, put everything into assets like real estate and companies instead of holding the depreciating money. In that situation you can lose 80% but better than Jürgen who holds his 150k on his Girokonto and loses 100%.

>>30395825
I am not saying that youre wrong for investing. Just saying its utterly naive to expect to just cruise by on 5% yield when your yielding products underperform real inflation.
That's my only point. I sympathise with everyone who tries to get out of the wage labour system, but dont be naive and think: Oh, it's so easy, SPY will gib me 7% annualised and I can live off of divvies.
You know, a few decades ago dividends were far lower, and to find something with high yields and a good entry price was insanely hard. Warren Buffet's main reason as to being so successful is (aside from goldener Löffel im Arsch) that he bough coke stock in the 80s before the absolute bullrun up until the 2000s and this meant that he basically got dividends on insane growth which practically turned his dividend yield into something like 70% a year or something crazy like that.

>>30393101
No. Most German doctors with their own medical practice make ~€150k per year. Obviously some will make more some will make less. From this you should deduct like 20-40% taxes depending on how smart they are in gaming the system.

>>30395974
Hals Maul du schwuchtel

>>30395840
3 years ago I had to buy ETH first to exchange it for Link which is a taxable event.

Did you really just buy and sell nothing?
In that case you don't need to send a tax report, but it may be a good idea to start building up your future tax report by putting all your operations in an excel sheet or use a website for the tax calculations.
It's a nightmare to do this if you start it after a few years when you forgot what you did.
Even worse if you got the gamblers sickness and made hundreds of trades between shitcoins.

>>30395284
>AfD and FDP will lower taxes.
youre the most bluepilled nigger ever.
You are the kind of guy that only thinks in 4 year terms.
Reagan lowered taxes and regulations but at what cost? The US was fucked after decades of low taxes and low regulations and the corporations just left the country because theyre the real leaders anyway.

tons of delusional germans here thinking everyone actually earns a ton more than them
If you are already at 2.5-3k net at the age of most anons here (<30) you are doing very well in this shithole

Lucky exceptions exist of course, but those are 1 in 1000

>>30395871
>this is our minister of finance
just kill me

>>30395910
well anon, I help my mother out and I also have a life besides crypto, so I don't put in as much as I could

>>30395821
As a finn I can relate to pic related lol. Although I think we really have mastered silence so we don't even say 'hi'. Some americanized lunatics think this is a bad thing.

Interesting take on the nazi guilt, thanks. I didn't know it might be a thing among germans too. Like do people talk about it openly? It's an interesting country for sure

>>30395904
>deutschland ist heute ein niedriglohnland. da landen auch ingenieure bei zeitarbeitsfirmen und verdienen um die 2.5 k netto.
can confirm

>>30396023
Buying ETH to exchange for Link is not a taxable event UNLESS you held ETH for a month, it went up 20% and then you bought link with it. If you, like me, buy BTC and exchange it for RSR or some shit on the same day, there is 0 profit, thus nothing to declare

>>30395649
Only if you graduate with > 9 points in BOTH exams which only 15% of all students achieve.
Bewlow that have fun working in a A9-A11 position

>>30396023
Eh, my exchange keeps track of all my buys and sells.
Yes, I will never sell my BTC (and if I do, I will report it)

>>30396031
who should i vote for fren?

>>30395904
>deutschland ist heute ein niedriglohnland. da landen auch ingenieure bei zeitarbeitsfirmen und verdienen um die 2.5 k netto.

Keep watching ZDF and Bild you dumb faggot holy kek

>>30394012
if Italians/Italy is so great, why EU is again bailing them out

Br, Nordic

>>30396119
The average salary is 42k euros in Germany. I don't know what point you're trying to make

>>30395982
http://www.shadowstats.com/alternate_data/inflation-charts
This is giving me nightmares.
Even if I make it with millions I don't feel like I can continuously compete with real inflation without having crypto like returns each year.
This can't continue like this forever, with wages stagnating.

>>30395982
I know that yielding products have close to nothing to offer, I am talking about stocks, real estate and other shit. Dividends and appriciation. I only mentioned yield certificates once as an example for the "but anon what if it goes down" crowd. But why don't you think that it's easy to get 5% if you hold a mixed basket of those? My only proof is the history that goes back more than a century and so far it has worked really well. Yes, bad years come and can stay for a long time but statistically it was always profitable on average. I know how fucked up the current market situation is but it always will be. Almost every major index is at ATH more often than not. And yeah let's say we have 10 years of bear market, in that time I will just save and spend far less. Maybe spending 150k in that decade. It's not like I will burn through the cash when I see that the system crumbles.

>>30396045
>this is our minister of finance

I mean what the fuck did you expect him to say? He is responsible for keeping the German economy stable. Did you seriously think he would go to public and say: “Ja Leute heult euer Geld raus aus Deutsche Banken und kauft US Aktien und Gold”???

>>30396109
In my mind the only actual opposition parties would be Die Linke oder Die Partei.
I am so disappointed in politics that I think voting is useless anyway.
Dont vote AfD, I made that mistake before, thinking it would change something, what it really did was nothing and the AfD are even excluding ideology, a horrible party.

>>30396121
cause the gov always finds a money pit where to dump, for example bailing out the dead airline Alitalia multiple times in a decade or other shit

>>30396211
No he's just an absolute retard that wants even higher taxes. Also he'd never give sound financial advise because its really not in their interest that the working germans make any money of stocks because then they might escape the wageslavery that keeps this Weltsozialamt running

>>30396091
Where did you hear this?
There is no 1 month rule. and did you see the price volatility of ETH? It moves 20% in a few days...
You may get away with it if you buy and sell on the same day, but that still produces a taxable event.

>bank account blocked due to a now 5k debt, got frauded, long story but it's in court now
>luckily employer ( work as a mega wagie on almost minimal salary ) pays me out on another Revolut one
>debts up the ass, barely making ends meet, eating expired stuff from lidl

>3500 Link in 'folio plus a few thousand E in altcoins

Either the memes come true, or i KMS in a few years top, i put my life into this

>>30396256
You are proving anons point. Germans really are autistic midwits.

>>30395871
>German Bürger don’t need to invest in profitable assets
>I also put my 40k net salary on my Sparbuch
>simple as that

It’s an absolute clown world. I swear I will leave the sinking ship asap.

>>30396193
The problem is that for 5% cash flow on an annual basis you cant really buy traditional stocks because theyre very volatile, even coke is down 25% from All time highs, especially when you look at inflation. Staking is momentary, so you can not rely on that forever, and if your growth is just in assets, you can not really take that growth out without losing equity.
My best bet would be to eventually buy Real estate or something that is a store of value like PMs or Bitcoin and then just collateralise these assets and get loans, so you circumvent income and capgain tax.

>>30396222
EU was a mistake

>>30396257
I just picked the 1month as an example, my bad. Ofc if you buy eth, it skyrockets 20% after you bought the same day and then you exchange it thats taxable.

I'm just taking my own example, I bought BTC and 1 min later exchanged it for RSR. So that trade is not taxable because there is no profit. So I've never made a profit of my crypto to date

>>30396269
Jesus anon. Talk about rough times here.

>>30396257
His point is that you are talking about cents there, nobody will care about that shit. If you bought 5k worth of ETH and bought a shitcoin a day later but then the ETH was worth 5.2k and you go to the Finanzamt with that, they will fine you just for wasting their time. Your profits on those day to day transactions are also probably in the 800€ freibetrag

>>30396256
>the working germans make any money of stocks because then they might escape the wageslavery that keeps this Weltsozialamt running

The reality is that the average German is dumb af and only is interested to go SAUFEEN, watch Berlin Tag und Nacht, and go chill at a shishbar/bar all day. The average German doesn’t give a fuck about properties/stocks/investing. The average German just wants to flex his newest AMG, drink beer all day, and go to Schwarzwald and Mallorca every year.

>>30396269
Learn some skills and improve yourself fagot. Your English is pretty good and you have an EU passport. No reason to be a fucking loser. Or just kys.

>>30396349
Thats pretty accurate, yes

>>30396341
Yes, thats what I ment

>>30396218
>Die Linke
>Die Partei
Heilige scheiße du bist dummer werloser Müll, häng dich bitte auf.

>>30396350
What skills, i don't even speak German properly yet. And if i did i could what, start an Ausbildung ( that pays maybe 600e tops as its made for teenagers out of HS for 3 years ) being a literal 30 YO boomer? I see no way out

dont invest in the stock market , especially not in dividend stocks
i lost 30% of my investment for 1 year

>>30394136
I will sell them to you for half the price

>>30396320
Maybe. I don't know.
I remember there was a platform offering instant token conversion between tokens when buying to prevent this issue but never used it because Binance was better and cheaper.

>>30396341
The freibetrag is 601€ on cryptos and it's really easy to get more than that limit.

>>30396409
>die partei
you have to have a very high iq to understand the subtle humor of the partei...

>>30396409
what to vote for then!

I haven’t waged in 5 years but I recently got a 20 year old relative a junior dev ops job, 3500 eur net. In Bulgaria.
We were supposed to catch up to you by increasing our living standards after the fall of the ussr. Instead, yours is quickly dropping to our levels. That’s just sad.

>>30395821
That picture is 100% correct. I thought this was the normal all over the world?!

>>30396119

du bist so behindert, schlimm. genau bild und zdf wollen jeden tag suggerieren, dass deutschland ein super reiches land ist.

du bist extremly low iq. lass es einfach.

>>30393316
as far as i know inflation is 2-3% here yearly

>>30396503
I guarantee it. Only profit is taxable. If you bought bitcoin at 5k, it went up to 10k and you sold at 5k, you wouldn't pay profit on unrealized gains. Hence no tax, nothing to declare.

>>30396540
DKP because yolo

>>30394593
Anon, I ...

>>30396472
Where are you from?

Damn you Germans love to whine

This must be one of the most recurrent threads on biz

>>30396557
It is, its just some german retards thinking we're "special" in our own little autistic way

>>30396594
You what? Hindsight is always 20/20, I could've taking a 100k loan in June 2020, bought BTC and be rich now, but I'm not so whats there to talk about

>>30396614
If you only you knew how bad things really are.

>>30396595
Croatia, why?

>>30396614
Its not even the "but anon what if it goes down" thread my man

>>30396581
Only buying BTC is a very simple use case.

Now try to do this with DeFi and yield farming and multiple ERC20 tokens!
It's going to be fun to explain.

>>30396218
>In my mind the only actual opposition parties would be Die Linke oder Die Partei.

>>30396614
If you whine in public you are considered racist Nazi white trash and you become a social outcast. I just want to escape this shithole anon.

>>30396558
Are you fucking retarded you dumb faggot?? The ZDF especially is constantly whining about “muh lohndumping” “muh zeitarbeitsfirma” “muh niedrieglohn” “muh Pflegekräfte”

>>30396695
Why dont you go to somewhere where you can speak English? Ireland? Scotland? Build some skills fast though

>>30396732
Crypto to crypto is rather simple as well. Buy Product A for x Euro and exhcange Product A for Product B in the value of x (or x+y if the value increased) euro. Even the retarded finanzamt will get that.

Yield Farming and staking are a different beast, I agree

>>30395479
Moin, studier auch Jura, hab letzten monat die erste examensklausur (strafR) hinter mich gebracht, schichte im Mai jz ZivilR ab. WO studierst du?

>>30396409
kek polcel is mad

btw I held a presentation in my bank about cryptocurrencies and everyone almost lost their minds when I showed the AAVE page, coinmarketcap and the day of +15% across the board. We're early as fuck and crypto isn't leaving. Most germans want to kill themselves when you take away their Sparbuch and try to tell them to put 1% in a value ETF.

>>30396540
Irrelevant, die großen Parteien (CDU/SPD) sind überrannt von korrupten Karriereschlampen die für ne Stimme mehr dir alles erzählen würden. Die AFD war in den Anfängen based und ist jetzt voll mit glowies und absoluten retards und grüne/linke/die Partei sind offen antiweiß, antikapitlistisch und von der Klimahysterie geprägt.
Demokratie ist ein meme, die Politik macht nicht der Wähler sondern das Geld. Falls ich zum Wahllokal gehe werde ich vermutlich 3. Weg oder so wählen, sollen die Nazis in Chemnitz gerne wieder bisschen radau machen

Okay Leute ihr habt es geschafft 250 Antworten lang rumzuheulen aber hat einer von euch ne Alternative?
Deutschland schafft sich ab das kann man kaum bestreiten ,wohin also um nicht von geistig schwerbehinderten Achmed-Schwanzlutscher Politikern und ihren endlosen Steuern gefickt zu werden?
Jetzt keine Scherzantworten wie "USA lol you can make more money" ich hab kein Interesse in der baldigen Landesversion von Detroit zu leben.

>>30396350
>English is pretty good and you have an EU passport
That's not really much considering how we cant even travel freely because of the memedemic

Anyway as for OPs question you should move out of germany to Romania, Hungary, Bulgaria or so. Life is pretty cheap and living off of dividends + real estate + crypto could work with 1 mil

>>30393358
10 million or bust. I already got a cute finish gf and spent more time in Finland then in this shithole already.
Almost ready to leave this shithole behind forever

>>30394127
i don't regret it but my master degree only earns me 2400 netto... i consider myself a working poor with 40hr per week.

>>30396800
Unironically i lived in Ireland for years before coming here. I like Germany better, want to learn German an am closer to home, though the living standards here are quite lower.

>>30396891
Eastern Europe if you can stand them. Idk about that though. Denmark has reasonable politics when it comes to all things foreigners. New Zealand might also be an option. For the purpose of cashing out, if I ever make it (I somehow doubt it), I'm moving to Portugal for 6 months+1 day and cashing out there because I have no doubt the Finanzamt will try to fuck you over in any case

>>30396755
My ex girlfriend used to watch these shows with this faggot and that fat half bald dude. I cant remember the names of their shows. Every episode is literally just

>afd bad
>ostdeutschland bad
>österreich bad
>deutschland nazi

>niggers good
>achmeds good
>grünversiffte good

Holy shit i still have ptsd from beeing bombarded with this propaganda.

>>30396891
Der ganze Westen bricht ohne Ausnahme langsam kulturell und wirtschaftlich auseinander. Werde schauen dass ich ne russische Staatsbürgerschaft bekomme wenn ich es je mache, damit ich zumindest die Option hab dahin abzuhauen, auch wenn Russland ne Menge eigener Probleme hat

>>30393672
lol. at least you are the boss of hot nurses. you don't want to know what ogre females work in it.

>>30397000
Heute Show, all financed by the taxpayer. You essentially pay to be shit on by these assholes

>>30396800
Also how the fuck would even a hypothetical native German 30 YO boomer with no skills or education, being a warehouse wagie his whole life start "building skills" here even? Uni out of the question due to low IQ and general incompetennce. For all i know the only option is an Ausbildung which is obviously out of the question, or some courses Arbeitsamt gives for chronical NEETs, like truck driving schools.

>>30397057
never paid Rundfunkgebühr, never will
never declared crypto profits, never will (cash out)

>>30395221
Please elaborate. In which time frame you got "fucked"?

>>30397085
Basiert

>>30396859
Don't redpill other germans please, we are germans, anything new is unacceptable if what they are doing works fine already.

>>30397085
>never paid Rundfunkgebühr, never will

Basiert and rotgepilled

>>30397070
If you're really 30yo you can still go to university, maybe study logistics or something you already kinda have experience with and work really hard. There is one guy who studies with me, he started at age 28 because he just waged at the casino, dealing cards and cleaning up drinks.

>>30397085
You never got in trouble for that?

>>30396867
based, mir gefällt aber nicht wie III. Weg versucht hat aus dem anti-lockdown gewürm profit zu ziehen, sowas sollte unter ihrer Würde sein. Ich denke ich werde trotzdem AfD wählen, sind zwar cucked und haben null stil aber ein hohes afd-wahlergebnis erodiert das vertrauen in die medien bei normies (nachdem sie nämlich monatelang mit "wähl nicht afd wähl nicht afd" bombardiert wurden und es anscheinend trotzdem viele tun, lernen sie vielleicht selbstständiger zu denken)

guys quick question, I want a job, asap, what do?
t. teen retard who is unemployed for bit more than 2y now

>>30397168
He lives with his parents kek. They pay for it.

>>30397181
Do you have an Ausbildung/degree?

>>30397181
Minijob bei Netto/Penny you cuck. They literally hire anyone that can breath.

>>30392992
Fools. All of you.

First, only 50% of Germans have their own flat / house, that’s the lowest level in the entire world.

Second, 50% of income is fucked by taxes and social payments.

Third, younger generations can expect no retirement age, or 80 or 90, maybe.

Fourth, the real inflation with energy, food prices, rent, etc. is around 20%

Fifth, payments are going to Europe and social cases like imported shitskins. No future to see here.

>>30396833
Was kam in der StrafR Klausur dran?
Überlege auch im einem Jahr mit dem Abschichten zu beginnen

>>30396755
this man didn't look that ugly 10 years ago, what happened?

>>30397181
Tip: Distrust most "übertarifliche" offers. They're shitty Zeitarbeit. Best shot is >>30397238 also Lidl or DM.

>>30397085
I wish I knew how to do that.
It really triggers me to pay for propaganda from a private company pretending to be respectable and democratic taxation.
I didn't even have a TV and had to pay because I use internet.

>>30397181
https://karriere.deutschebahn.com/karriere-de/jobs/schueler/ausbildung/industrieelektriker-deine-ausbildung-2650488

just do this, easy

>>30397197
when i was 16 I started one, but got fired, it was a nice software dev place in a dinosaur company that went bankrupt anyway, since then i've been fucked
started to teach myself web dev in my free time though
have realschule, I'd be fine with doing fachabi, but I'm actually really good with crypto so i just need a small income to potentially make it, already made over 10k with 0 income and 2 figure bank account

>>30397238
>>30397282
I've thought about lidel, but when i go on their site its just "schühler job" and i.. i dont have anything

>>30397300
eh..

>>30393236
The average German has a smaller networth than the average Greek you fucking moron.

>>30397167
Starting UNI and working full time, at 30 YO? Would be hard even for a dedicated, high IQ person, not to mention a smoothbrain alcoholic like me.

And even if you got a logistics degree say, and got an engineer job in Amazon or something, you'd still get 2500 netto TOPS ( lowest wagie there is around 1500 ). More than my salary but not that great either. So would it be worth it in the end?

I'm now working on getting a crypto loan to buy a car, then do mini-jobs on weekends delivering shit.

>>30397324
>eh
fuck you then, put in some effort or don't ask

>>30397349
you're right sorry :(

>>30397324
just call em and ask if they'll hire you.

>>30395755
Why dont you just NOT TRADE and sign off at the end of the year and sell in january while traveling/ after you moved to panama etc?
Gehirnloser

>>30397324
Search also for Warenräumer. It's full of positions all the time. It starts at 5AM which sucks in a way but you work like 2-3 hours and then you have the rest of the day free.

>>30397349
It's just that I don't want an ausbildung in a position that I don't like
>>30397370
what should i tell them? "hi.. I've been unemployed for years haha, can i habe a job please "
>>30397402
I'd love to do something really early, even 4am, need to get my shit together

>>30397421
https://karriere.deutschebahn.com/karriere-de/jobs/schueler/ausbildung/

try this. they even have a little quiz to find out what would fit you. The benefit for working for the Bahn is that you don't have to worry for your job and there's a million internal jobs, so moving up and getting new qualifications is very easy.

Also, dont work for Lidl in some shitty temp job. Get an Ausbildung, get qualifications. It'll benefit you in the long run. Get your life in order

NEW BREAD >>30397437
NEW BREAD >>30397437
NEW BREAD >>30397437

>>30397421
There are so many wagie jobs that have shit working hours that pay relatively well.

>>30397402
I'm looking into this, what does one do in that position? and is it better than the other anons idea of just working in a lidel?
>>30397468
can you give me ideas? I'd be very greatful

>>30394378
>Stimme bei Wahlen
>Mitglied in der Gewerkschaft
t. wennwiralleeinfachanderswählendann werdendiedaobenschonmerkendassichwasändernmuss

>>30397168
>>30397193
>>30397290
I don't live with parents. I make enough money to live comfortably without a degree as a realty nigger. I went to court for both cases. The one with the Rundfunkgebühr was rather costly but the crypto tax shit went by like nothing in my favor. Pro tip: The gov. pays court costs when it's tax related.

>>30397454
stop shilling this, it's been gay since it stopped being the Reichsbahn
>>30397421
yeah if they're hiring they literally won't care, have you seen what kind of creaturas stack the shelves at these places?

>>30394190
kys kevin

>>30397489
Apply for city jobs like garbage man and stuff. Check around for shit working hours but good pay jobs, just google for that.

>>30397571
Its a stable job, and they take next to everyone, so even our neet friend

>>30394258
>Würde gerne deine typisch deutsche Jonathan-Fresse
were you imported?

>>30397334
If you go to Uni at 30, don't fucking do it for money anymore. Do it in a field that you're actually interested and invested in. In my personal perception, my 20s are there to accumulate as much of a capital as possible before I actually get into something that I'm passionate about.

>>30394466
>Ich wähle nur noch Links.
there is no free lunch.

>>30397691
nah he's just selfhating scum who thinks kanacken will suddenly respect him if he just worships döner and makes jokes about his own people

>>30397663
i guess you're right. whatever it ends up being - lidl oder bahn - you should treat it as a sprungbrett and try to aspire to more after you fixed your lebenslauf

>>30397663
>even our neet friend
I'm a professional digital asset manager mind you!
>>30397571
alright anon, thanks, will get to writing a resume asap

NEW BREAD >>30397437
NEW BREAD >>30397437
NEW BREAD >>30397437

>>30397361
Dude. Just fucking lie. Lie on your resume when it comes to experience.The most important thing is that you don't have any gaps at all in there. Look for a customer service job. They're retarded but pay well. Idk where you live but booking.com pays well for the amount of work you do. I also managed to work for Bank of Scotland for a brief time as Kreditbearbeiter where you just check loan applications all day. Ideally you have a bit of charisma and get a sales position. All of this shit is available without a degree.

>>30397919
>Dude. Just fucking lie
absolutely not

>>30396218
>>30396409
>>30396741
He's technically correct since they're Communist parties and would abolish the constitution and create a GDR 2.0 if they ever got in power. The AfD on the other hand would never create a fashist state, they're pussies.