/biz/ - Business & Finance

>>49368884
I have, I only buy basic food and cook it myself, no rent, no car, cheap bills and I steal my entertainment.

>>49368884
I need lube for my anime girl onaholes, retard

>>49368884
I've been doing this for 2 years already so I can buy internet coins and then lose 80% of the deposited money on leverage. Glad market dumped so I can slurp cheapies tho

>>49368884
Boomers need to fucking die already.

My greatest wish is for millennials to vote to defund all social security and watch boomers cry about the unfairness from their 20th vacation.

>>49368884
Boomers have no clue how fucked the younger generations are.

>>49369130
They take so long to die off

>>49368884
Get fucked health care workers, and in particular doctors. I’ve never met one who wasn't a pompous prick about “how much money they’re going to make” and how its a “real impact on other peoples lives and no other profession does that”.

What they don't tell you is that they’re going to be broke as dogshit till they’re 40 due to loans and needing to work for experience and low pay. Plus they work unreasonable amounts of hours and get divorced at an incredibly high rate. All they see is a salary of “200k” on glassdoor and like the bugmen they are, they go for it without asking any questions.

>>49368884
>boomers are only able to retire because they own equity in corporations that sell things to consoomers
>tell everyone else they can also retire if they stop consooming
kek

Is this really a "millennial" problem? Sounds like zoomer bitching. The typical millennial already locked in a mortgage at ridiculously low rates, already owns a car, has paid off student loans, has learned how to cook and buy groceries, and probably has a good enough career where healthcare is not a problem.

I'm 32 yo my mortgage is just $1700/m for my 4 bed, $80 for car insurance, $80/m for health insurance, maybe $1200/month on groceries. Then I get about $40k/year in stock dividends so I only need to come up with $10-20k net to fund myself while fucking dog walkers make $120k/year these days its crazy.

I only feed bad for zoomers because they are facing 6% mortgage rates and sky rocketing house and car cost. Its is hard to afford on the shit starting salaries you get out of college before you have a few experience and the pay ramps up.

>>49369130
>Boomers have no clue how fucked the younger generations are.

how to spot a boom boom

>when i was a lad
they routinely forget inflation exists
>have you tried tuning your cv?
no, never crossed my mind
>its all about the qualifications
they have none, or next to. believe being able to do your times table = a phd in maths
>and have you tried tuning you cv
ah......
>just save
interest rate is now 150 times lower than it was at the peak of their career
>yeah, it's affordable
i used to watch eevblog on YouTube loads and was actually so stunned when he made a video along theses lines i thought it was an april fool joke, because he's usually rather good at feasibility sums. his conclusion was, yeah, you can live in Sydney as a temporary packer at amazon. even assuming it wasn't temporary, it'd take 120 years to pay the mortgage off. i mean fuuuuuuuuck lol...
>you've never had it so good
yeah being homeless when they were finishing paying the house off and settling down is great
>we've all got to work
one hundred
and
twenty
fucking
yeeeeaaaaars.... and that was assuming the person spent precisely zero money in the meantime.

>>49369437
The average millenial has no savings, no assets, and lives hand-to-mouth.

Fuck off, faggot.

>>49368884
Companies don't pay for the required licenses and courses for their employees in America?

>>49369466

10 years ago, yes. But now the average millennial is like 35 or something and should have a net worth around 1mil at least if they didn't blow their 20s partying or video gaming.

Or is "millennial" just going to mean 20-somthing forever? And when you hit 30 you become a boomer?

>>49369437
>$1200/month on groceries
Bro what
>fucking dog walkers make $120k/year these days
You dumb or trolling (probably both)

>>49369505
Nigger, what the fuck world do you live in? Every institution in society is geared around keeping young men in a cycling on consooming and eternal adolescence. For women it's even worse. Men are dropping out of society because there is literally no reason to buy in. This isn't some conspiracy theory, even the MSM puts out articles scratching their heads as to why. You live in a fucking bubble and likely had it way, way fucking better than 90% of your peers growing up.

>>49369437
>The typical millennial already locked in a mortgage at ridiculously low rates, already owns a car, has paid off student loans, has learned how to cook and buy groceries, and probably has a good enough career where healthcare is not a problem.
ahahaahahahhaahah

>>49369507

ok you made me dig my grocery receipt out of my recycling bin. I spend just about $200/week so about $850/month. But that' doesn't include craft beer wine and steak I buy separately.

>>49369437
>The typical millennial already locked in a mortgage at ridiculously low rates
wait til all those "5 year fixed rate" mortgages unlock. it'll be comical.

>>49369627

If you still have an ARM after 2021 when you could refinance to 30 year fixed at <3% you're an idiot. The government was literally saying "here, have a free house."

He's just trolling come on sage

>>49368884
Saving (((cash))) is the biggest jewish scam of all. That's what allow the kikes' freshly printed trillions to have any kind of worth.
The money you aren't immediately spending is continuously devalued by newly printed money, and you are the one left holding the bags.

Savings = letting the goyim absorb the excess liquidity to their disadvantage. If it weren't for savings, inflation would be in 7 digits territory already.

Imagine if you were teleported back in 1960 with $60K in cash. With those $60K you could buy a 3 bedrooms villa in LA now valued $1.8M.
Or you could listen to the talmudvision and save it up in your bank account until you are retired so in 2022 it's worth half a tesla modele X.

The only real savings existing are precious metals, real estate and collectibles to a certain extend.

>>49369437
>t. boomer wannabe

Hypothetically yeah you can live like a beggar, invest all your money and do ok but when that type of behaviour is a requirement then society is in trouble because our economy is built on consumption. Society can't function if everyone goes the ultra frugal /biz/ route. It doesn't work.

>>49368884
>Just. Stop. Spending.
Damn, you sound poor.

>cars cost thousands per year
>no car = no gf
>at least in the US

>>49369560
The issue for this screencap you gave is that racial divisions are more than enough to prevent any sort of major revolution. Poor Blacks don't hate the rich, they hate poor Whites. And vice-versa.

>>49369398
Boomers are all blissfully unaware of the pyramid scheme their lives were built on. They like to pretend they lived in the preWW2 generations when they were probably the generation who had it the easiest of all.

>>49369505
Must be great to live in a fantasy.

>>49369461

I offer to mow their lawns for one silver dollar. (Minimum wage in 1963 was 1.25). It's the only framing that has worked even a little bit.

>>49369505
>the average millennial is like 35 or something and should have a net worth around 1mil

>>49369437

There is a stark divide between early and late Millenials. They might as well be entirely different generations.

The "30 year old boomer" meme came out in 2018, so a birth age of 1988. Age 20 at the crash, and age 25 before houses started to increase in price. Someone born from 1984 to 1989 did indeed have a chance to be a "boomer", but someone born just 5 years later was already priced out. The 30 year old boomer meme highlights that financial gap. Someone born in 1988 shouldn't be too different from someone born 1993, but the gulf between the two in terms of opportunity is MASSIVE. One group got to buy the dip and the rest are totally fucked.

>>49369061
The irony is that the majority of boomers would starve to death without SS, but the boomers grew up in an era where it was literally impossible to not retire with millions of dollars. If you worked a minimum wage job from the 70s till now and invested just $10 per week into any stock, you'd have tens of millions right now.

>>49368884
Man what the hell. I make 80k/yr which is not that fucking much and I manage my $1800 mortgage payments (only 6 years left) as well as all my other expenses, while having 25% of my pay deposited into the retirement accounts my company offer, and still have cash leftover at the end of the month to play around. I feel so disconnected from other millennials. Is it because I dropped out of college because I thought it was a scam? Did the college meme really ruin that many of us?

>>49370352
Very true.
One year before graduating the financial collapse happooned and it fucked the job market so hard for us, most from my promotion had to settle for a low entry job barely above min. wage or literally in an entirely different field, like barristas or cooks. During our entire scholarship we were promised the boomer lifestyle, and at the last minute they told us we weren't sneeded after all.
After almost a decade of being a wagie cagie, i finally gave up, came back to mom&dad's home and took the neetpill.
The truly ridiculous part is i now am able to save more monies now i'm jobless with an undeclared side gig, than back when i was a full time wagie. I'm much happier too now i don't give a single fuck about anything.

t. 1988 millenial with a degree in incoterm (international custom laws for imports/exports)

>>49370352

Ok supposedly millennials are 1981-1996, so graduating college 2003-2018. Even on the late end of that, if you had a career during the last half of 2010s and stacked stocks and crypto and racked up stock incentives from your job, you made it during trumpflation in 2020-2021 when all your assets skyrocketed.

>>49369466
There’s no way this is true

>>49368884
>25-60%
pretty wide range there

>>49370559
Why are you expecting millenials to be savers/financially wise?
95% of my frens are between 31-35yo and don't have a penny to their name. They are more broke now that when they were teens. I'm literally the only one among my friends irl who invest in stuff. None of them know how to open a broker account, how to buy gold or silver or what coinbase is.
At best they end the month with 100€ left on their bank account, why would they bother with investing? This money will be gone at the next emergency expense like fixing the car or replacing the washing machine anyway.

>>49370685

So what do they do with their money, if they're just letting it accumulate in their bank accounts, then they are lazy and deserve to lose it to the money printer.

>>49370359

Depends entirely on if they graduated early enough to get a house. College underdelivered for me, but it didn't matter since I was born in 1987 and could get a mortgage in 2011 before the prices rocketed back up. The college debt also made people reluctant to take on more debt for a mortgage, meaning a lot of people missed the low housing prices even if their birth year gave them good tempo.

This is what created the actual 30 year old boomers. They happened the be positioned at the right time to get a house for very little, and if they aren't thinking/doing the math they have zero frame of reference in regard to the landscape for young people.

My mortgage is $1,500 for 3,600 sqft, it would be $4,900 if you were to buy today. You would need gross income of almost 200k to afford the lifestyle we had on 50k gross in 2011. I was literally pushing carts at Walmart when I bought this place.

>>49370649
I sell cars, everyone who wants a loan for a car has to tell me how much they make and what their current debt obligations are. The average millennial I sell makes like ~3400/mo, pays 1500 in rent, and is trying to buy a 30k car with MAYBE 2k down (aka everything in their bank account).

>>49370888
>40k per year
>30k car

What the fuck is wrong with people

>>49370559

You had to dig to find that bullshit definition of millennial. Generations are 20 years long, and bb started 1945. So you've got 1965 and 1985 as starting years, no matter what the schemers try to tell you. About 3/4 of Millenials were out of position for it, and even if it was theoretically possible, it wasn't the "boomer" path of 1. Get job 2. Buy house 3. Be comfortable for life.

The defining feature of a boomer is buying a house for cheap, full stop. You cannot relate to other people when your main ongoing expense is thousands of dollars cheaper. I can see the numbers, but I can't possibly feel the despair that people are right now.

I'm so sick of people crying about student loans. Not spending money you don't have is such a basic thing I understood before I got my first credit card.

>>49368884
>Good call!
if this guy really only has 50$ left after his "diligent", non-wasteful spending, he is at the bottom 5% of poorfags in america, getting mogged even by niggers on unemployment gibs

so why does he feel the need to act smugly like that? or even be offended?
if you're that fucking pisspoor you are clearly not part of the audience these tips are aimed at, why be upset by an article aimed at the average joe? would it be sane for me to get upset when richfags share investing tips with each other?

>>49370542

I got lucky. Met my wife to be at 19 and was in position to get a house. She was older and had a rock solid $30k/yr office job. I pushed carts at Walmart and had been there long enough to make $20k. That was enough to buy 3,600 sqft in 2011.

Job market was dog shit, I had a degree and was pushing carts, but I was still able to buy a house. I think that's what makes the 30 year old boomer so apt a description. Yeah, shit sucked and they pulled it off anyway; they don't realize that even dogshit jobs could but houses from 2008-2015 or so.

>>49370888

Seems biased though because having to finance a car means your already poor.

>>49371013

Well supposedly there is a whole two generations x and y between boomer and millennial. But just ignore the technical definition. If you were working and making money from 2010 to about 2018 the economy was insanely good. You should have racked up massive amounts of assets and bought a house, car, etc. Then we had 2019-2021 which is a massive money printing induced asset bubble that quadrupled your net worth at the very least. Other than maybe graduating right during 2008-2009 and never getting a career millennials had it pretty good.

>>49371302

Nah, Y is Millenial. It got a name change because of dumbass cultural reasons. It's why zoomers come after millennials; they are gen Z. Hate it, it's what makes boomers act like the generation had some sci-fi tech advantage. The advantage only came from a crash in asset prices.

1995 makes you 20 in 2015. 2017 at college graduation. Missed the boat. 1989 was a pretty hard cutoff in terms of getting true blue boomer results, which includes most of what people consider to be Millenials.

>>49371302

And to better clarify, yes the early Millenials did have a chance. If they got the right advice and made the right plays they became "30 year old boomers". No nobody contests this. This the late millennials and zoomers (main demo of these boards) that has been shafted.

>>49369466
>The average millenial has no savings, no assets, and lives hand-to-mouth.
More like the average millenial bought BTC at 6k and ETH at $500. They have disposable income to throw at crypto meanwhile zoomers can't even afford one ETH at current prices.

>>49371156
Out of the 200+ cars I sold last year I can count the number of cash deals I did on my fingers and toes. My dealership has over 90% finance penetration.

you. will. finance. the. car.

>>49370734
>if they're just letting it accumulate in their bank accounts
They wish, when i say 100€ left, it's not 100€ extra each month, it's a fix number. Their net worth IS 100€ + whatever consoomer shit they have.

>So what do they do with their money
For the guys? Mostly cocaine/booze/cigs, then consoomer shit like steam games, new GPU for their computer, and mostly parties with frens. A salary go down fast when each friday it's 1g+ of coke + weed + 1 bottle of whiskey + restaurant. Then you double down all again on saturday.

For the girls it's even stupider trash like yoga courses, nails, make up, clothes, hair, sauna... My ex was spending 180€ each time she went to the airdresser.

>>49369505
>average millennial should have net worth around 1mm
Good bait until this part.

>>49369708
underrated

>>49369627
My salary has increased by 40% since I bought my house, and will increase minimum another 10% by then just from annual raises. A higher rate isn't gonna mean much.

>>49371106
>Met my wife to be at 19
Yeah this make a huge difference. I see it very clearly. The ones able to settle down early in a long lasting relation quickly abandoned the "nihilist" mindset and grew up into being functional adults able to plan long-term. It's way easier to save some cash once in couple, especially concerning the rent.

Meanwhile all the tinder-fuckers and incels are still stuck in this eternal teen loop where they struggle to save even a penny. And they don't try anyway. Why would they save for? They don't have a wife nor kids. All they do is continue to have some "fun" doing eternally the same things, but it get old eventually. They kinda abandoned at life. Me too. The only difference is i also stopped having fun because i've a fragile constitution and the booze and coke destroyed my body. So instead i started to invest and had a lot of fun doing so, so i'm down this path. But i do it for the sake of doing it. I could make it and it wouldn't make a difference, i might as well light my cash in fire since i've no use for it, since i've no future or responsibilities.

I fear it will be even worse for the zoomers. The kikes and boomers fucked us good.

>>49371607
This is the scary thing about the current car market. I wish I could find out exactly which banks have exposure to these sub prime car loans that have been packaged up and sold on. Its 2008 waiting to happen all over again

>>49370055
Vietnam vets are starting to die off in big numbers so the younger boomers can't even point at that. Anybody born in the 50s or 60s had it ezmode.

>>49372141
>exactly which banks
>banks
It's probably the pension funds by now.

>>49372111
checked
Shit out that blackpill fren. Joy will come to you again and it won't be in the form of cocaine and alcohol.

so much bitching on this tread, is it because of the crypto/tech market crash? Should have bought oil and commodities.

>>49372153
What truly fucked us is how the jews managed to destroy the fabric of society by sabotaging the dating market, and how young people interact with each others.
I know countless boomers who divorced and within months -sometimes weeks- they found another mate. Meanwhile most millenials and zoomers have no idea how to form a long lasting bond. And that's if they have the opportunity to meet somebody in the first place.

I'm 34 and i went to 3 weddings in total. And i've a decent sized group of frens, it's just that 90% of them never married. And out of those 3 weddings, 2 ended up in divorce within 3 years btw.

>>49372111
checked
godspeed, frens

>>49369627
Locked in 1.8% for 20 years. lol, lmao.

>>49372238
It's not a blackpill fren. It's just my experience. And i'm not saying they aren't happy this way, but it's just incredibly sad how atomized is our society nowaday. To the point new couples who will live together their whole life can't even form. At all. The mix of internet + tinder + jewish propaganda + disowning of tradition + no more racially and culturally homogeneous nations fatally ended up like this. The NWO rootless vagabond is the norm who was wanted. And that's exactly what we got.

>>49372388
I have no clue where I'd even meet a woman nowadays.

>>49372280
it's okay man. it will all be over soon. the remaining 40 years of your life go by like a flash if you just stop trying

>>49372423
Me neither. I broke up with my last gf a decade ago and since then i've been alone becuz i've no fucking clue about how to do it. I don't even see white girls my age when i go outside walking or going to the supermarket. All i see are obese white trashes with their niglets, nigresses and veiled arabettes.
And i'd rather be alone than dating these things.

>>49372499
>if you just stop trying
Already did, and indeed, time is passing by swiftly and much less painfully.
Stop caring is the key. I think i'd have anhero'd already if i still gave a single fuck.

>>49369608
And the 120k per year dog walkers?

>>49372111

Shit always feels tough, but you don't know if it's going to get worse. Lot of my friends were demoralized and didn't put in the effort, and ended up even worse off. I got good results and was lucky, but I had to take the action necessary to roll those dice.

No clue how you're supposed to make it work in 202X, but I know I couldn't have forgiven myself had I not tried.

>>49369061
So many people live on SS. The nation would collapse.

I don't like ubi, but the fact is nigs, women, and boomers are all on ubi and gov healthcare already which is probably like 60% of the population. since we are here let's go to 100

>>49369655
every time I read a fucking stupid comment in this thread it's from your ID

>>49372556
good for you anon, i hope it goes well.
i recently went total dropout myself. this year i stuck it out for one last relationship with a qt and it's obvious i'm too mentally unstable to make it work, so now i've pivoted to camping around the nation in my truck and hopefully dying in a car crash.

>>49372388
How old are you fren? What I will say is that based women who reject all this modern crap ARE out there. I was incredibly blackpilled on ever finding someone until I randomly met the perfect woman out of the blue one day. You don't have to lose all hope

>>49368884
Rent is 70% of the paycheck

God, I love being rich.

It's going to be the most based thing ever for those of us who have already made it when we become the owners of these desperate Zoomer cattle.

Cheap and hungry labor.
Reactionary consumers.
Young pussy.

Hell, even the Zoomers on drugs will literally kill people for us if we just supply their next hits.

There's no better time to have money than the next thirty years.

>>49372777
Based 7s of truth

>>49372423
For me it was salsa dancing

>>49372721
>until I randomly met the perfect woman out of the blue one day
And how do you make miracles happen?
How it happened for you for example

generation theorycrafting is on par with HRT discussion
herb in all fields

>>49372975
Well you can't just sit in your house all day every day. You can use dating apps but you have a far better chance meeting a nice girl out in the real world. And I don't mean elliot Rodger shit like just standing near girls hoping they will talk to you, but also not cringe PUA shit. Just strike up a normal conversation with a girl you like the look of, at the gym, supermarket, out in the street, most are pretty receptive. Just don't get butthurt if they say they have a boyfriend or are married, you didn't invest anything because you were just having a normal conversation. Just move on to the next one.

>>49369461
I think the point is that you strive not to be a min wage wagie but try to get your career going. Its not gonna be easy and boomers likely had it easier, but you should still be striving to be in the top 50% of society not the bottom.

>>49370352
Tfw 1990 sister and me 1994.
She has a big house and I live in a cuck apartment.
Jobs are not all that different just time of being born fml

>>49369708
holy based

>>49369708
>The only real savings existing are precious metals, real estate and collectibles to a certain extend.

I've been crushed being in PMs over the last decade, if I was in stocks/RE/crypto I would've made it. I'm basically fucked because I was in the wrong asset class despite a relatively good savings rate.

Having a good/successful life is mostly luck nowadays.

>>49373657
Never go all in anon

>>49373657
And you will make it anyway if you stay in PMs now. Towards 2030 they are going to moon hard

>>49373146
>zero actual experience posted
You could've just said "I don't know"

>>49372587

what about? it seems like everyone and their dog makes 6 figures these days its ridiculous.

>>49369437
BoomerLite

Better employment opportunities really need to be explored. Tech jobs, DevOps, Cryptocurrency projects like Sysco!n, BTC, ETH,... all we do is win!!!

>>49370352
>>49370875
Congrats for most retarded post holy shit I'm reminded 1980s fags are still delusional cunts.

The 30 year boomer meme was because 14 year old kids were so retarded they thought 'boomer' was a generic term for 'anyone older than me' and calling 30 year olds 'boomers'. Nothing more than that.

>shouldn't be too different
Debt, income and home ownership indicate that they're not, stop projecting literally your own life situation on millions of people the same age as you holy shit.

>>49374516
Because you literally believe the bullshit you read on 4chan, genius. Even assuming 4chan is somehow overrepresented among silicon valley SSEs, the median income remains around 35k a year.

>>49369560
So far the divide and conquer idea behind identity politics has been very successful. I don't see it failing anytime soon. I don't think the US will have a revolution until the % of young men hits a reasonable majority hispanic. Although it's already almost a majority, so it shouldn't be that long. I think collapsing into chaos is much more likely.

>>49369505
> the average millennial is like 35 or something and should have a net worth around 1mil

https://thecollegeinvestor.com/14611/average-net-worth-millennials/

according to this site it's $18,000

>>49376887

my man, the average net worth for a 35 'or something' person - even a white person - has never been a million dollars at any point in history. are you a literal 13 year old child with no concept of money? you sound like a moron

>>49368884
>1 post by this id

>>49368884
> you don’t need the latest iphone, you don’t need to eat out every weekend, you don’t need to have subscriptions to 5 different streaming channels

This but unironically.

The novelty of a brand new iPhone fades away quickly and it’s a shitty phone made for retards that lacks features that computers had in 1997.

Eating out sucks when you actually learn to cook and realize you can make the same shit you get in restaurants that tastes just as good for the most part with a little practice.

I don’t understand why anyone pays for anime. My friend asked me the other day “is it available on crunchyroll?” And I just felt blackpilled

>>49374165
Just be 6 foot 4 and talk to girls at the grocery store about the weather and it will all work out bro. It’s literally that fucking easy

>>49376931
If you don’t have a million by 25 you are not white

>>49371603
the average millennial ae? whats cryptos adoption rate again?

>>49368884
>AAAAAAA BUT I NEED TO LIVE IN MY HECKIN $1000 A MONTH APARTMENT AND SPEND $500 ON OATLY AND WHOLE FOODS
>HOW AM I SUPPOSED TO SAVE ANY MORE I DON'T UNDERSTAND
>I HAVE 300K IN HECKIN STUDENT DEBT WHAT IS GOING OOOOON

>>49376931
That's exactly the point I was making, you retard. Read my post again.

>>49369505
>But now the average millennial is like 35 or something and should have a net worth around 1mil
LMAO

>>49371302
>>49374516
>Doesn't know Gen Y is a Millenial yet claims to be one
Knew this was a larping shill faggot.

>>49372280
>I'm 34 and i went to 3 weddings in total. And i've a decent sized group of frens, it's just that 90% of them never married.
Dude none of my friends have ever ever had girlfriends and we're approaching 30.

>>49369461
The most infuriating thing is they treat all computer work like it's minimum wage when they can't even figure out how to move a mouse.

>>49368884
>student loans
>ongoing education
Sounds like a you problem, you shouldn't have taken the education/degree bait, it's literally a scam.
>rent
That's an oof my g fr fr no cap. A mortgage is only marginally more expensive than rent. If you're renting you're stupid.
>vehicle maintenance and groceries
That's literally fuckall.

demoralization thread
here u go zoom zooms
>avoid drugs n alcohol in youth. dont smoke, waste of $ and will kill u
>go into specialist field, whatever tickles ur interest. mechanical, electrical whatever
>budget. scrimp and save
>have accessible emergency fund for those rainy days
>invest in safe assets. mutual fund etc. dont put your net worth in crypto you fucks
>upskill yourself within the specialist trade to earn more sheckle
>buy property
>carry on scrimping
>build equity on home
>create company in specialist trade to dodge taxes
>carry on

if any bitches come along get a fucking pre-nup. dont knock her up unless she agrees to pre-nup and you actually want to spawn your seed from her. it is the ultimate litmus test to know if she is soul sucking or not

when your work doesnt feel like work. you will be mentally retired. free to live the life you want. if your biz is successful you can hire people to run it for you. you can "retire" by 35 this way

>>49370352
I'm a late millenial (1996) who fell for the STEM meme, I graduated in 2019 with a masters in chemistry and now I make about $110k/yr as an engineer (semiconductor industry). Last winter I bought a starter home (~300k) at 3% interest rate. So it is still possible for this generation to make it, but it takes luck and above average academic skills.

>>49369708
This but too an extent. ((They)) want you to save so you don't know that the greatest scam of all time, credit, goes unnoticed. As a former bankfag, you have no idea how many screaming people get upset because they fall for the "SAVE 30% FOR A DOWN PAYMENT" on a house but then get denied a home loan because they didn't do anything for credit

>>49377691
A 300 thousand dollar house is a starter home now??? Jesus Christ we are up shit creek without a boat, let alone a paddle

>>49377541
Retard faggot thinks everyone knew this at 18.

>>49377762
Same former bankfag, and I can also say that I have no sympathy for boomers since as someone pointed out earlier in the thread, they have no excuse to not be multi-millionaires. If they simply invested a small bit of their income every month in the stock market since the 70's (let's just say they are late to the game and started in their 30's) they would be fabulously wealthy now. So many boomers are poor and on SS because they didn't save correctly and then blew their retirement fund early

>>49368884
Saving money has proven to be a terrible move over the past year or so. Just look at how quickly fiat purchasing power fell. Still falling.

Get the fuck out of the USD. Buy literally anything even if it’s just ground beef or bottled water.

>Just work your ass off and live like a pauper for 45 years bro, then you can finally retire and enjoy the few years of life you have left when your physical body can barely still function

>>49372777
Idk, there are things money can’t buy you. Politically minded Zoomers are either commies or right wing.

'92 30yo boomer here

my only purpose in life is to live long enough for zoomers to become boomers and sip my bathtub brew as they freak out at not being young and trendy and carefree of responsibilities.

>>49377907
You're not working your ass off if you're not making at least $80k/yr. Here's the thing about money, if you don't inflate your expenses with your raises and promotions you can live quite comfortably and start stacking huge amounts of cash. I have the same basic monthly expenses I did making $65k/yr as I do now making $160k/yr. Your goal should first get to a stabilization point where your income gives you a comfortable (not lavish) lifestyle. Avoid revolving credit cards, what was murdering me when I was younger was $400-500/mo in credit card payments.

The people who are poor aren't even trying. They expect to work part time but want to drive a car with $500/mo payment and eat at the $20/plate food truck for lunch every day.

I bought XRP so I have basically already made it

>>49368884
I'm already doing this in anticipation of the crypto crash and cheapies.
>>49369708
While this is true when they send the market tumbling it's good to have some cash. I don't think anyone with a working brain thinks holding cash is good in the long run

>>49370685
I only have one friend who is interested in investing and the rest are clueless retards when it comes to money.
Pretty much the reason why I don't get invited out anymore is because I don't like mindlessly spending hundreds of dollars at bars for no reason.

>>49369492
No , i have to pay for my own training and the testing fee for my API 510 certification test

>>49377691
Late unlucky millennial reporting in. I'm not financially ruined but oh God is my career path annihilated

>>49372141
Santander consumer, hughes... some of the bigger lenders take on subprimes but I send most to santander.

>>49369061
around 80% of americans over 65 survive solely on SS and SSDI with no additional equity besides their homes.

>>49369627
Who TF gets adjustable rates on a mortgage retard

>>49368884
Just bought a brand new honda accord sport with my SHIB gains. I do not care. It was crypto money. I have a nice car that I own outright and I'm only 22. Still have 6 figures in the bank too.

>>49368899
Based. Same. Fully paid house (paid by my parents kek), fully paid car (same deal), cheap food, steal all my entertainment, games and books included.

>Stop spending, and spending.
Nigger why the fuck is there a comma there, do these boomers not even know goddamn grammar?

Friendly reminder that ~90% of the total wealth in the country is owned by the top 20% (almost all Boomers except for Zuckerberg)

This is a level of hyper concentration of wealth usually seen right before the fall of an empire or a world war or a French Revolution type event.

>>49379798
I'm vibing. I'm on hood terms with my boomer family members. Should have taken the Will and Testament pill, and respected your grandma more.

>>49369437
>The typical millennial already locked in a mortgage at ridiculously low rates
OH NONONONO AHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAAAAAAAAAAA

>>49377691

How many sqft?

I got 3,600 sqft in a top 25 metro pushing carts at the Walmart. Just over $200,000 purchase price, now valued north of $600,000. You really should be more upset about it.

>>49368884
>just don't spend money you damn kids
>wtf why isn't anyone buying my shit? reeeeeee government do something about this
Just fucking die already boomer scum.

>>49379881
Nah it's cool, I and my gf both have wealthy boomer family members, so we just have to grind along in near poverty until our inheritance. It's unironically messed up though, because both we and our boomer families would like us to have kids, but we can't until at least some of that generational wealth is passed down to us, which won't happen until people literally start passing on. It's so weird.

>>49369437
>1700/m mortgage
>1200/m groceries
Holy shit this anon finna get rugpulled hard

>>49369708
PMs are a fucking meme now bro
>RE
depends on the location
some suburb? no
farmland? yes

>>49368912
This

>>49379913
It's 1100sqft plus a garage, in a major city on the west coast that has a lot of tech jobs. Could I have bought a lot more if I was older? Of course. I was pretty frustrated about that when I was shopping for houses. But after moving in I try not to let the knowledge of what I could have bought ruin the fact that I'm doing a lot better than most people my age. It helps that my house is a lot more comfortable than the apartment I used to live in. If don't get laid off in the coming recession I should be set. I think the chances of that are pretty slim so long as Intel exists and CHIP SHORTAGES are in the news.

>>49368884
I do this, I hate consumerism and I just have a few nice things that are important to me. I invest 125k a year this way.
What you don't realize is that consuming is shoved down our throat every second of the day because it's literally the only way our economy continues to "grow". If everyone lived like I do we'd implode immediately on a macro scale. Thanks for the demoralization thread.

>>49380890

Christ, dude. Yeah, that mindset is probably good for your mental health,. It goddamn.

Consider your options once you've got some experience. There are places where you can be paid well but not totally eviscerated on housing expenses.

>>49369708
PMs are a fucking meme dude you need to go in the entire opposite direction and expose the world for what it is (through crypto & shitcoins) not hunker down and wait for the storm to hit

>>49370358
They are literally retarded bro. I am not saying that to be mean, tetra-ethyl lead from gas fumes gave them brain damage. Specifically it shrank the part of their brain associated with planning and rational thinking and during their most important developmental years too. Boomers are actual retards, they're the burden society has been forced to carry since the 50s.

>>49379224
Sounds like they're lazy and entitled and should have saved better for retirement :)

>>49377027
>Eating out sucks when you actually learn to cook
Everything i ever cooked for myself tastes better than anything someone else has cooked for me. The only exception being mom's homemade lentil soup.

>>49372280
>the jews
Sounds like you are finding a convenient scapegoat for your own failures.

>>49373146
Actual good advice

>>49373146
>Well you can't just sit in your house all day every day.

>>49370358
Meanwhile in 2072
>zoomers grew up in an era where it was literally impossible to not retire with millions of CBDC credits
>If you worked a minimum wage job from the 20s till now and invested just $10 per week into any crypto, you'd have tens of millions right now.

>>49379613
Think the longest we can get here is 10/15 years and they only came back recently since the 2008 crash.

I got mine for 2 to start with then locked in for 5 ending next year. @<2%. It’s bullshit, I pay £600 a month for a sub 1000sqf house like you see in all those British Deano memes with barret red brick estates and it’s apparently now worth over £300k.

Legit gen x, didn’t buy house till 2016 because needed a retarded deposit.

>>49368884
lol i have like 500k in crypto and my family is poor as shit and i have never worked a day in my life, but i'm a zoomer i guess so i dont count

>>49369437
>they are facing 6% mortgage rates
what the fuck, I'm from europe and my fixed interest rate is 1,15%

>>49384193
The US economy is actually still functioning compared to the debt-ridden zombie that is the EU.

>>49368884
>rent being 25-60% of my paycheck
Can't you give a specific number?

>>49370359
i dont believe you. give proof of income and monthly expense breakdown. i'm a retarded 30/yo millenial and I think posts like these are just meant to demoralize me without being true

>>49384210
america has like 30 trillion debt, you retarded american bootlicker.

>>49385194
do you even know how a debt-driven currency works you retard? europe would have already collapsed if yields were that high

>>49385233
you pay 6% on a mortage, europeans pay like 1.6%. this makes you the onion consumer cattle.

>>49385291
whatever let's you cope with the gerontocracy ruling over you

>>49377541
Houses come with other expenses than the mortgage.

>>49385194
Yeah and the EU has negative yielding bonds.

>>49385312
>talks about gerontocracy while "lets go brendan" is in office.
dude, your leader is a dementia ridden boomer, you should be ashamed

>>49385373
he'll die and get replaced, europe has older demographics

funny this is its actually true. if you have a job it is possible to not spend everything. it takes the smallest shred of self control but that's all. kek to seething poorfags trying to blame others for their own financial shortcomings.

>>49385360
and nobody in europe buys stocks or bonds. normies don't care about the stock market there. only old boomers buy VW dividend shares

>>49385382
not really. young left-green branches will take over.

>>49377595
based, zoomers pay attention

>>49385291
>americans pay 22% taxes on their salaries
>yuros pay 54%
>BUT MUH MORTGAGES

>>49385147
Alright fren, you're lucky you caught me on my coffee break. I make around 80k/mo as a fat retarded trucker. Pic is a 2 week settlement for income proof. It's not always a consistent amount because my company is in the food industry and we have seasonal highs and lows, but I end up making low 80s. Let's use 80k even for the exercise.

80,000 ÷ 12 = 6666.67 my expected average monthly income. I lose around 55% to deductions, reminder I have 25% of every check payed into retirement accounts

6666.67 - 55% = 3000.00 average monthly take-home

Monthly expenses:
1800 mortgage (I bought 40 acres and built a barndominium in the countryside in 2019 on a 10 year 4% note for 250k, with 60k down payment)
110 for starlink internet (recent addition, rural internet sucks)
60 for unlimited cell phone plan, necessary for a truckerfag
200 for food
50 for utilities
100 for my esoteric hobby
Maybe 100/mo for gas? I only drive on weekends because I'm in truck all week

Comes out to 2420 in usual monthly expenses. 3000-2420 = 580 average leftover monthly income, which typically just accumulates in my bank account

>>49385452
that includes medi care. the stuff you don't have. you have to pay like 6000$ just to set foot on hospital ground.

>>49385452
>pay a million dollarinos on a wood shed in nigger town detroit
i hope your whole housing market crashes, AGAIN

>>49385498
>>49385549
Holy shit lmao cope seethe and dialate your paycheck away to mohammed

>>49385586
you mad, bro?

i eat out everyday

>>49370359
They spend money on worthless shit like arts classes or 100 bucks on drinks every weekend

>>49385498
which happens once every never unless you're a dumbfuck or an invalid

>>49370352
1988 millenial boomer here i own my house

i try to feel bad for zoomies because you definitely got screwed, but then i read threads like this and see what whiny, self involved pussies you are and i realize you deserve to suffer

now respond with some gay, npc oneline like about le boomer, le cope le seethe, because thats what zoomers literally live to do. then contonue whining and feigning shock at not having a good life when you spend 18 hours a day crying like a child on the internet

>>49368884
You would be amazed at how much the average normie blows on worthless shit every month, but when pressed they lash out like this - "LITERALLY ALL OF MY MONEY GOES TO BILLS, CHUD! FUCK YOU!!!"

They have no self awareness because they are not sentient, proceed accordingly.

>>49385465
ok then. it's real and I am now thoroughly demoralized. also
>25% of 6666.67 = 1666.67
>1666.67*12 = 20,000.00
you're seriously putting 20k/yr into retirement? when do you expect to retire? don't you think you could do more with that money? speculate on shitcoins or something?

>>49385817
It's the same shit as how people overeat and become fat but then when asked about what they ate they'll tell you they ate like 1k calories

"Oh really? Well let's take a closer look at your actual intake for the day (your dietary bank statement)..."

FUCK YOU FUCK YOU FUCK YOU IT'S MY GENETICS IT'S NOT MY FAULT!!! NO YOU CAN'T LOOK AT WHAT I ACTUALLY ATE!!!

They don't want to be helped, they want to suffer and they want to be mad about it.

>>49377762
>then get denied a home loan because they didn't do anything for credit

Can you elaborate what you mean by this?

>>49383018
Kys retard r*dditor

>>49385949
Pretty sure he's referring to people not establishing their credit score before trying to secure a home loan.

>>49386076
Thanks, understood.

>>49385849
My company has a half time position that is still considered full time for benefits. They schedule you 4 days on, 4 days off. I plan to continue working full time until I'm 40 then drop to half time to enjoy myself more once everything is paid off. So yeah, I'm paying 20k/yr into retirement now, but that's only going to last another 10 years or so (and 200k in my retirement account isnt shit really) and from there I'll be contributing substantially less. If I was playing with that money speculating on shit I'd just lose it, I'm not that sharp. I've been more interested in investing which is what brought me to /biz/, thinking I might try gambling like $100-200/mo into stocks or coin and see what happens.

>>49377775
Mine was 420k and built in the 70s

>>49386042
>ackshually white rich people are le heckin based white race supremacistirinos they're just mind controlled by jews whenever I disagree with them
the absolute state of polcel cope
go back

>>49377762
The average boomer couldn't have told you what the stock market really was for when they were younger. It was shit you heard about in movies. Access to it or even figuring out who to speak to would be so foreign. There was no google.

>>49369305
> Get fucked health care workers, and in particular doctors. I’ve never met one who wasn't a pompous prick about “how much money they’re going to make” and how its a “real impact on other peoples lives and no other profession does that”.

PA here and I agree, the majority of healthcare workers are scum, doctors are bad but the administrators/insurance entities are even worse. The same blue-haired authoritarian infestation that has eroded academic institutions has increasingly trickled over into the health industry, on top of it having already been corrupted by our ludicrous insurance structure. This is why I refuse to participate in the traditional healthcare system and work in concierge medicine now. Fuck hospitals, fuck insurance globohomos, and fuck jannies

>>49369305
>>49386739
funny, my sister has been in school for like 12 years while working as a nurse, and finally reached nurse practitioner. She got a job making $130k as her first NP gig but currently has $120k in loans and the job was in a city where the cheapest home her and her boyfriend/permanent fiancee? could find (she refuses to move back into an apartment) was around $2200/mo, so they're still living paycheck to paycheck and barely making it. She says after she has a few years of experience she'll have the leverage to negotiate higher pay, like $180-200k, but she's going to be in her mid 40s before she ever financially stabilizes

>>49369061
its already defunded its 30T in debt.

>>49368884
>rent being 25-60% of my income
this person lives alone. Maybe they should change that. If millennials would just get married like other generations did they could split an apartment and cut their rent in half but feminists are too woke for that.

>>49384193
death to america

>>49386479
Fuck off fag
>>49372280
Agreed. Im struggling with this right bow, finding a qt gf

>>49377595
>avoid crypto
>buy mutual funds

>>49372280
>>49386901
Even with a gf it’s hard. I have a gf who wants to marry me and I don’t really want to marry her, but I’m feeling pressured to anyway because I know how fucking miserable the dating pool after age 30 is. I’m either trapped Get fucked health care workers, and in particular doctors. I’ve never met one who wasn't a pompous prick about “how much money they’re going to make” and how its a “real impact on other peoples lives and no other profession does that”. Either I get trapped into a marriage I’m not fully invested into, or I’m faced with never having a family because there are no good women left as alternative potential mates.

>>49387024
Why are you with this girl then? whats wrong with her?

>>49372280
>>49386901
Even with a gf it’s hard. I have a gf who wants to marry me and I don’t really want to marry her, but I’m feeling pressured to anyway because I know how fucking miserable the dating pool after age 30 is.

Either I get trapped into a marriage I’m not fully invested into, or I’m faced with never having a family because there are no good women left as alternative potential mates.

>>49386820
Thats not how it works.
>>49368884
>just stop spending
honestly yeah, I gross 10-11k per month in oil and I dont spend it on anything other than stocks and crypto. I dont hate my job so will keep working at building up a stack but then quit around mid 30s to go do something else.

>>49386901
>polbizslugcrawl.jpg
you're not welcome here chud
go plan a school/supermarket shooting like the other incels

>>49369305
Sorry you didn't get into med school or residency. I'm quite comfortable at 36 with no medical school debt, making 300k for a 8-2pm job (I'm in teaching administration), with a house, with lots of savings :-)

>>49370734
>So what do they do with their money, if they're just letting it accumulate in their bank accounts
All those tech meme companies on the nasdaq was selling them something. Theyre ones paying for uber and netflix and such. Basis services repackaged at a higher cost to the consumer.

>>49387288
i'm happy for you but people like you are what's wrong with the system and are why it's falling apart. you're making 10x what the people actually working are making.

>>49387288
cope, even if you’re not larping you’re an exception. that guy is spot on and most doctors are halfwits. never met an actual intelligent doctor or “premed” faggot. there is definitely a reason why they all get divorced and end up alone.

>>49387464
I've got a kid and wife and am doing just fine. My colleagues are done of the most intelligent people I've met, although maybe that's because this is an ivy league affiliated institution, and not some pajeet inner city dump

>>49372280
>What truly fucked us is how the jews managed to destroy the fabric of society by sabotaging the dating market, and how young people interact with each others.
stop being an incel

>>49377088
When did I say it will always work out? The point is that you need to get out of the negative spiral of sitting at home playing vidya and jacking off because you are living a life of sin and waste. I promise you will have a better life if you start going to the gym, getting out into nature and talking to people, and start talking to women. Do you think I didn't get lots of rejections? If you are getting THAT butthurt about a woman saying thanks but no thanks then you are taking it way too seriously, they can probably smell the desperation. Just get out there and start doing it, a lot. I know the blackpill tastes soothing and it does have some truth to it, but it will be the death of you if you let it

>>49387214
This is my board retard. You knoa you can browse multiple boards? More of a /g/ tard but I go where I want. Go find a bridge you fag, this is MY board :)
>>49387066
Why dont you wanna marry her?

>>49387214
>tranny mexican incel responsible for the msot recent school shooting
The incel is unique to the left.

>>49387927
Don’t forget the fatty who shot up that store was also a self proclaimed communist.

>>49369437
1200/month on groceries and people think that's ok

>>49368884
I am getting gibs. I receive 540 euro and I spend 340 euro of it. I can save 200 euro's a month, how is the nigger in OP not be able to save $50?

>>49377691
I was born in 1996 and I'm a neet who lives off crypto gains and haven't paid my rent for 2 years now

>>49370352
This. I was born in 1992 and I feel more like a zoomer than a millennial

>>49387927
>muh team red vs team blue
the polcel and the leftypolcel is literally the same deluded schizo creature, communists blame jews too
a /biz/raeli is above this charade
he strives to be the jew, or retreat and laugh from his secret lair as the world burns around him
hence you are required to go back
>>>/pol/

>>49387947
They also want to drag rich people out of their homes and lynch them indiscriminately. They can't even do that right and end up at school.

>>49388159
I don't vote. Just pointing out the glowie commieposter.

>>49388159
Based.

>>49388147
you're 30 years old nigga

>>49368884
Worthless piece of shit white and jew boomers did nothing but work as store
Clerks and could afford college, a house, a car, 3 kids, with a stay at home mom and did tons of drugs and partying. All they care about is ME ME ME, MY HOUSE, MY PENSION!!! LAZY KIDS!!! We told them they HAD to go to college and get massive in debt and they listened and now look! LAZY KIDS! They sold their childrens future for their own selfish greedy braindead desires. They do not deserve a single fucking penny and will lose everything. What they don’t get is they’ve been slaves their entire lives and the last 2,000 years. Sad, pathetic. They chose their money over their kids future.

>>49368884
>just stop spending
ok enjoy the economy collapsing

>>49369437
lol no that's not typical at all

>>49372615
Yes, and they're NEVER going to take those away from them because if they took welfare from the blacks it would make the summer of BLM look like a joke. They'll never do it, so we should embrace getting UBI so Whites actually have a chance to make it beyond gambling on shitcoins or being autists finding tokenized infrastructure.

>>49372111
>My body can't regenerate and become strong
>I can't have a relationship
>I can't find a purpose
>I could make it but
Retard. Just take the damn challenges. *That* would be fun. Maybe compartmentalize them. Mon-Fri: body, make it, and just generally try to be a normal person, be able to talk to people etc.
Sat: learn about relationships and/or try to find one
Sun: find a purpose. May I suggest healing the planet with permaculture?

>>49388159

Based insight there. Politics are just a sideshow for plebs to waste time arguing with each other while intelligent people make moves.

>>49368884
im debt free and living with my parents for the summer putting away 5k a month but i still feel very broke

>>49368884
Unironically true. The secret to making it is to actually be ok with living like a stoic homeless person. Once you reach that state and genuinely mean it, there will be no challenge that can be thrown at you that actually matters and you magically start becoming rich.

>>49369437
>has paid off student loans, has learned how to cook and buy groceries, and probably has a good enough career where healthcare is not a problem.

You are in a social bubble or full of shit. Not even fucking close to true

>>49379613
People that can't afford that one extra percentage on the fixed rate but are being told they need to buy now or be priced out forever, throwing away money on rent or whatever.

>>49388595
wrong pic, millennials are debt maxing.

>>49388629
zerohedge?
they have been blowing it both ways on the market since january then claimed they were right all along

>>49369708
Yeah well there's a difference between worthless spending and careful investment. I agree that people should save money, but once they save it up, they should spend it.

>>49368884
>save cash in the bank, anon
>during the early innings of hyperinflation, anon
lol

>>49368884
Nigger, the moment I get my monthly salary, I put 2/3 of it to crypto.

>>49369305
doctors
>minimum wage until 40
>300k in school debt
>more likely to be a D.O from a Caribbean med school than an MD from Johns Hopkins
>financially illiterate
>gets scammed by 26 year old financial planners all the time
>over-extends themselves with luxury cars and mcmansions to compensate for spending their twenties with their nose in a book
>believes the covid scam even though middle school drop-outs in Mississippi can see through the bullshit
>coerces people to vaccine babies and toddlers
>shill for drug companies which want to keep people sick
>hated by payers
>actively being overruled and pushed aside by insurance companies
>bossed around by hospital administrator cat ladies and cheeseball MBA betas to upcode, ration care, and discharge medically unstable people home
>drug and device reps interrupt their time to hawk their products
>have to click around on an EMR until 10 pm every night
>will maim, injure, kill dozens of patients throughout his career without losing a wink of sleep over it
>will likely kill themselves
>can't educate patients or families on anything, just talks over them in jargon without eye contact
>thinks they're better than you
and the recent med school grads believe there are 400 genders and toddlers should have the opportunity to gender transition

>>49369130
yes they do. they just dont care

>>49369708
this guy fucking gets it

BITCOINU BSC IS LIVE, BIG CALLS INCOMING, LETS GO FAGGOTS!

tg bitcoinubsc
0x dd87022c1c1206fc0951051e424dbb527b953120

>>49369305
Most of the doctors I work with seem like alright people, the only types that seem unlikable are administrators and infection preventionists. Why does everyone hate medfags now, healthcare is a pretty reliable way to make good money

>>49368884
lol in belgium before you get your paycheck 60 percent goes to the state, after that your boss takes away half if it. leaving you with 20percent of your workings. with that you buy things that you must have food water electric house vehicel to get to that shitty job. you are left with less than 5 percent of what you worked for. and now they have to save half of that into what? EUROS??? HAAAAAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAH who even reads the news? they put you in the most shitty positions you can imagine. get vaxed, take pills, save into euros, pay of a loan, do not get childeren, live inside and watch your phone and tv. allso eat buggs and go in zeh pod

>>49369305
Yea, I went into chem E and its been a pretty Cush gig.
>6 figs
>bennies
>40 hr work week.
>Stack cash for 8 years while doctors accrue 250k in debt.
>If I jump into leadership or expertise areas, salaries will easily eclipse 200k and many reach into the millions.
Millennial doctors will die mired in debt and their children will get nothing.

>>49391583
>Why does everyone hate medfags now
seriously?
>this graphene oxide shot for this fake disease that no one has gotten sick from is perfectly effective
>you need to take it despite zero safety data and no long-term studies
>get another one six months later, that's because it works so well
>get another one six months after that
>anon, you need to eat low fat, more cereals and grains and rice, that will help you lose weight
>anon, dont lift weights, that will kill you, go for a nice jog on the side of a major highway, perfectly safe
>anon, do you own guns? is there a gun in your house? are you a gun owner? why do i ask? um uh n-n-no reason
>anon, your toddler is showing signs of gender confusion, i recommend hormone therapy and genital mutilation
>anon, your grandpa just sneezed, better call in hospice
>can't pay your bill because you lost your job? i'll have my office manager send it to collections
>haha watch this video of me and my nursing staff dancing on Tik Tok, ignore the patient coding in the background

>>49369507
This man is pulling down 6 figures anon. People don't realize that a household income of 100k is in like the top 5% of incomes.

>>49368884
This but unironically. I laugh at every faggot who screams about student loans, you should've applied yourself in high school and gotten scholarships if you're poor; if you didn't, then that's proof by itself you're not smart enough for college.

>>49391781
>Millennial doctors will die mired in debt and their children will get nothing.
>millennial doctors
>children
no dude
>millennial doctors marry each other
>hey babe, lets both buy new Mercedes SUV's
>hey babe, lets buy this $900k house in this gated neighborhood
>lets run every marathon in the US this year
>lets go to Africa
>lets go see this top 40 pop band live
>lets go drive 300 miles to this vineyard
>hey babe i think i may run for local office
>ok babe i'll run for the HOA board
>oops, dont forget your mask haha
>lets get another booster before we go haha
>another pediatric patient of mine died today, i think it was my error, oh well lets turn on Netflix and pretend to read medical journals

>>49369061
>politicians
>touching goyslop pensions
That ain't ever happening dummy, ((({(((((((({(((hyper inflation))))))))))))))))) will yeet it

>>49386802
So she's a career roastie with no kids or a (((empowered))) woman that doesn't want them?

>>49368884
>said, the boomer, who at 25 had two houses and a boat

>>49387505
if this is true than okay anon, that’s good for you and all but again it’s not the norm for your industry.

>>49391840
lol household income of $100k is not even in the top quartile in the us.

>>49388455
I completely agree.

>>49393269
literally everyone over 25 who isn't shoveling shit on the side of the road is making $100k

>>49386953
This is why pirate chads keep winning

>>49388536
This. So much this.
Consoomer culture that we all laugh at poisoned the lives of so many and kept them in a permanent state of nigger-cattledom.

Freeing yourself from consoomerism is the first chain to unshackle

>>49368884
But all my friends have a ps5 or gaming pc and I want to play with them

>>49369026
fourth pbp

>>49383018
cringe

>>49370352
Must be nice to have a crash in house prices
t. ausfag

>>49368884
>tell millenials to stop spending
>entire economy plummets
>dumbass boomers out on the streets shitting their diapers
Based let's do it

>>49386953
I don't understand how someone could even have time to CONSOOM all these services if they are working full time. Do people just forget about all the subscriptions they have? Do they not know there's a massive library of well produced videos and popular music available ad free on youtube these days?

>>49369708
if you got teleported to the 60s, you'd likely be dead now. hope you had a good life rewatching movies in black and white, fag.

>>49391810
this

>>49391810
So basically you're a retard who thinks he knows better than every doctor and projects a lot of cringey shit onto the entire medical field because you spend too much time on /pol/?
Is your entire portfolio silver and GME too?

My story
Got kicked out of school at 2005 class of 07
Joined military
Bought rv as starter home
save 50k
all in crypto
just bought house in 20 140k mortgage 2br 2 ba in NC
getting 2k va bucks make 70k a year as a technician
hopefully my 15k chainlink will free me from wagecucking

>>49395499
lol i work in the medical field, get fucked

>>49396156
>lol i work in the medical field, get fucked
okay little zoom zoom

>>49370358
>invest just $10 per week into any stock
>70's
You are an entitled dipshit millennial. You get to trade for free. If you wanted to buy stocks in the 70's you called a broker and paid $50-100 bucks for them just to do the trade and hope they wouldn't try and scam you (they would).

>>49370359
Just about everyone who decided to buy a home and not be a rent-cuck more than a couple years ago is doing fine. But, yeah kids in public schools get told to go to college, it's not bad debt, etc. lol.

>>49369466
Completely fucking false. Zoomers maybe.

>>49368884
I torrent movies, music, phones, food, gas, pussy, just about everything I get for free
Get on my level

How to:
1) Live with parents or basement rent free
2) Ideally get student loans at an extremely low rate
3) Save up
4) Scalp stocks and become a millionare
5) Buy your condo / house
6) Buy your porsche 911 turbo or if you wish to go full Autist then a lambo

>>49391810
>>49396156
Lmak youre a Sneedmergency Medical Technician aren't you? Keep driving the ambulance at 2am wagie, you need those 30 hours of overtime per week to pay for the apartment for you and your whore girlfriend.

>>49368884
I live with my parents, almost got married and buy a house, no car loans, i have nothing to spend other than essentials like food and utilities, i save roughly 70% of what i make every month, i spend around 10% each month on females so i get to grab em once on awhile, other than that the money is for investment or retirement.

>>49368884
>you don’t need the latest iphone
Fuck you people. We should have publicly murdered Steve Jobs.

>>49388159
>a /biz/raeli is above this charade
>he strives to be the jew, or retreat and laugh from his secret lair as the world burns around him

What charade? Profits are good and necessary, the tech sector, drug sector, and work unions need to be brought under control. When your wife leaves you and takes everything you have because you were "above the charade" I will laugh.

>>49368884
Based. I save religiously and should be able to make around 20k of investments from a 40k a year salary.

>>49369505
>if they didn't blow their 20s partying or video gaming.
One felony destroys 10 years of hard work.

>>49368884
>shhhhhhh'toooooop

>>49370941
>What the fuck is wrong with people
Good question. That being said, have you noticed that girls got the vote around the time the model T was put on the market, and vehicles have gone up in price ever since?

>>49371603
>More like the average millenial bought BTC at 6k and ETH at $500
Like 20% of millennial and zoomer knew crypto existed for the first 10 years it was available.

>>49372111
>the booze and coke destroyed my body.
You are a woman.

>>49372238
>Joy will come to you again and it won't be in the form of cocaine and alcohol.
I would kill the "turned to drugs" people way before I would kill druggies.

>>49372777

Checked

>>49373146
>Just strike up a normal conversation with a girl you like the look of, at the gym, supermarket, out in the street, most are pretty receptive.

>normal

Define this.

>>49377027
>The novelty of a brand new iPhone fades away quickly and it’s a shitty phone made for retards that lacks features that computers had in 1997.

What Apple did to the computer market using foreign slave labor to build a monopoly taking advantage of elderly ignorance concerning tech pisses me off.

>>49390015
My girl's mother works as a surgical technologist and she told a few times about doctors stealing things from their co-workers, things like food, phone, money, etc, because many are stupid with their spending or just egocentrical enough to think their can step over everyone else.
She has 3 locks on her locker because of that.

>>49369461
How to spot a whining zoomie: the post
Roflmao

>>49387024
>I know how fucking miserable the dating pool after age 30 is.

Dating after 30 is a shitshow. Pull the trigger if you can stand the girl and she wants a kid.

>>49387595
>stop being an incel

>if you aren't an incel, the judiciary rapes you with child support and attorney fees

Should I hate jews or our judiciary?

>>49373657
PMs are for saving, not investing unless you day trade. Don't expect to increase your purchasing power with those

>>49370352
the cope from zoomers is insuferable. this whole 4 chan thing is about cope, cope for not having sex, cope for not having money, cope cope cope cope. You are all fucking losers.
My parents made money and were able to buy houses 40 years ago but not one second i considered them luckier than me. they worked all their life for it.
Cope cope cope cope

>>49369466
>I'm a loser so everyone else must be a loser too.
Sorry anon but no.

>>49400885
I wish I heard and heeded this advice when I was in my 20’s

>>49370352
This is true. I have 2 brothers with 5 years gaps within each other, and our finances are at different levels of the logarithmic scale

>>49400885
>Dating after 30 is a shitshow.

all girls in their 20's are open to dating men 30+, if anything it gets easier unless you've done nothing your whole 20's

Just stake cryptos like NEAR and ICPeepee with high APYs. That should be your retirement fund.

automated spambot thread

>>49404472
Can a 33+ get it on with 18 yr old?

>>49388159
This is a true pre-GME /biz/raeli, pay attention if you want to blend in better GME plebbitors and polfaggots

>>49369560
That pasta is nearly correct but it quickly turns scizo and incel pulled, #metoo began things that needed to happen, people reporting real rape and assult is not a bad thing anon and does not make you poor because you don’t have skills

>>49404683
doubt it, you can tell them apart pretty easily

>>49368919
Unironically a better strategy than (((saving)))

>>49379613
Literally everyone in Canada, Australia, and New Zealand. Fixed rates are offered there for at most 5 years, and are always 3-4% higher than the variable rate mortgages, so almost everyone is on variable rate.

I need to get a work from home job and cook prison tier foods for myself to retire.
That or just buy a shotgun for my retirement and become an hero

>>49404472
>if anything it gets easier unless you've done nothing your whole 20's
>mfw turned 30 this year after wasting my 20s

>>49404472
yep

>>49368884
I do need the latest iphone. They literally are forcing people to upgrade because they're shutting down the network nationwide.
https://www.fcc.gov/consumers/guides/plan-ahead-phase-out-3g-cellular-networks-and-service

>>49397941
lmao trade for free, yet there are hidden fees everywhere. Also trading for "free" is far worse, exchanges and MMs collude for price fixing, front running, and shorting. It's literally what MMs are designed to do. And the biden SEC is fine with it. It's such a problem that there is a company that specifically advertises that you can pay to trade (like a real trader). AND PEOPLE ARE BUYING THAT SERVICE. People like you are the reason why America is so bad right now and has little hope of fixing.

>>49398115
Yeah that's why it's a scam, you need a down payment to get in on low rate grift.

>>49370358
And yet despite that most boomers are not even that rich, they are so fkn stupid but we’re born on super easy mode and act all superior to us that they have more wealth. God I hate them so much

>>49377175
>$1000 A MONTH APARTMENT
Literally cheap in my country, even in small towns with zero jobs.

>>49370359

its just muttmericans claiming 'dey cant make it' because they have been bred out of having a frontal cortex

>>49373146

>just bee yourself

>>49407589
It works if you aren't a repressed faggot.