/biz/ - Business & Finance

Those numbers are so out of touch with reality across the United States it's crazy. What kind of life style do people think they need to be "financially healthy?"

I need that rare fortnite skin fr fr no cap
And you won't catch me bussing without my yeezys

>>53112343
>people under 25 are bad at finance
whoa i'm shocked!!??!?!

>>53112432
Gen Z here and when I started making over 100k I felt more poor than I did when I was making 0 for some odd reason. My goal is to make at least 250k before I’m 30 and I’m interviewing for a third full-tile job to make that happen. I think many of us saw how much Millennials screwed up and don’t want to repeat their mistakes.

>>53112459
I'm 34 and I never had a job

>>53112539
based you should try committing crimes

>>53112459
cringe wageslave
>>53112539
based NEET master

>>53112539
Yeah exactly, I want to be retired and living off of passive income like mortgage payments and dividends by that age. Not living with my mom and on welfare because some doctor decided I was autistic enough to not have to work.

>>53112343
Zoomers are fucking laughable. They vote for lockdowns, mandates and policies that keep them in their houses for their entire 20s and ruin their future career, then wonder what the fuck went wrong
I have no sympathy for all these college grads flipping burgers

>>53112343
zoom zooms spend all their time on gay shit like twitter and tiktok, obsessing over social media influencers and rich faggots like musk. this isn't even surprising anymore

>>53112624
Dumbass, literally no one obeyed lockdowns. I was still out every fucking weekend vising friends. The fuck do you think is gonna happen if a cop pulls you over and asks why you're out? "Was just grabbing smokes/gas, officer"
Problem solved. The only retards seething over lockdowns are basement dwelling conspiracytards that never go outside in the first place.

>>53112624
You realize Trump was the one who shut down the entire country and pushed out the vaccines right? Why do you think Whites didn’t vote for him in 2020? He stabbed everyone in the back to prop up Blacks and they still went against him by and large.

>>53112674

The US never had a national lockdown, it was up to the governors and mayors of the individual states and cities to lockdown or not and to what degree.

>>53112693
Go back reddit-bot

>>53112459
don't let these crabs in a bucket bring you down
hard work is its own reward and i full believe you'll be making 250k by age 30 with a work ethic like that
you are absolutely correct that you don't want to end up like these kiddult millenials

>>53112648
>Dumbass, literally no one obeyed lockdowns.
What a complete dogshit rewrite of history. They shut down every business that mattered, the consumer space is completely destroyed. Cops didnt go after your zoomie ass, they went after businesses that stayed open, and when the people protested you called them dumb karens who wanted haircuts. The economy doesnt care that you can party with your friends

>>53112693
Bullshit, I remember “15 days to stop the spread”, along with him saying he wants to get rid of the constitution recently. Thank God I live in Florida so we didn’t have to deal with any of that like everyone else, DeSantis is going to kick his ass in 2024.
>>53112745
Appreciate it, I’d rather bust my ass a bit and work my way up while I’m young than stress out over bills ten years from now. My mom made like 18 an hour working in her 50s before she quit her desk job.

>>53112797
I'm 35. You're seething like every other faggot zoomer who spends all his time on 4chan crying over dumb shit that didn't even fucking effect him. "Lockdowns" barely last a few weeks, but the seething from you faggots went on for fuckin years lmao
You should head back to /pol/ to be with the rest of your twitter obsessed globalist worshipping subhuman friends.

>>53112459
I do know that feeling. I'm 30 now, making around $100k/year. Money feels tighter than when I was 25 and making $33k year! Not due to inflation or anything, I don't even think much lifestyle creep. I think just being responsible and saving for the future, having a plan for emergencies, etc. It's expensive!

>>53112901
>"Lockdowns" barely last a few weeks
Why are you spreading lies?

>>53112936
Why are you seething over not being able to go to Burger King for a few weeks, fatass? Not every business was closed to "lockdowns".
Regardless, COVID-19 was the greatest thing that happened in a long time. It gave me the benefit of working from home 100% of the time since early 2020, and the virus itself ruined the immune systems and brains of rightoid NPCs that spend all day seething over retarded conspiracies.

>>53112343
>What is inflation
Fuck off. Leave the GenZ bros alone. Are supposed to work for pittance for some boomer used to employing scrawny indians and chinese that work below rate? Give it them GenZ bros, you got this.

t. Millennial

>>53112343
Why is gen Z so fucking dumb bros

>>53113046
>businesses werent shut down
>they were only shut down for a few weeks chud
>they were shut down and thats a good thing
Expected nothing less from the typical leftist

>>53112438
Yeezies or not, you have to bus the tables or you don't get paid. And I'm sorry if I'm the first one to tell you this but you don't get your foreskin back.

>>53113375
>someone isn't a braindead rightoid NPC
>"he must be a leftist!"
both leftcucks and rightcucks are retards, but rightoids are about 100x worse than leftcucks this decade. imagine being so fucking dumb that literally every aspect of your life becomes politicized. fuck off back to /pol/, dipshit

>>53113427
Funny now that everything you said was proven to be straight up lies, and you cant back up your goalpost movinh with a single fact, you just endlessly seeth about muh /pol/ boogieman.

>>53112624
In all fairness voting doesn’t do anything. Both sides are Jews controlled

>>53112343
https://www.youtube.com/watch?v=3sro_ibf_zE

the future is bleak

>>53113046
Yeah this doesn't shock me that you're talking about how you were working from home but shit wasn't closed down. Typical retard.

>>53112343
Zoomer's need a high salary so they can continue to support their online influencer "friends" grifting them on social media platforms.

>>53112432
They need to go on 2 vacations per year (expensive ones) to some warm shithole, they also need to subscribe to 6 gorillion streaming services, own a tesla, live in some new overpriced, overly bright apartment with large windows in the city and also go to several concerts in the weekends to some shitty artist.. also eating out or ordering every day plus wear expensive clothing with brandname (trademark) so their fellow zoomer turds won't think they are poor.

>>53115034
>some warm shithole
You live in the US, m8.
You are the shithole.

>>53112573
This guy is a loser.
Good on anon for making 100k a year.

>>53112624
>Zoomers are fucking laughable. They vote for lockdowns,
Covid is real and the best way to stop the spread of a virus is lockdowns.
You're a fucking idiot.

>>53112797
>They shut down every business that mattered, the
They didn't.

>>53112459
>it's another "everyone on /biz/ claims to work 4 jobs remotely and do 2 hours of work a week making 700k a year" thread

>>53112624
Covid is real.
And even if it wasn't, lockdown was plainly under Trump administration.
You dumb motherfucker

>>53112343
zoomers are poor students. how is that not obvious?

>>53112343
From my experience millenials and zoomers piss their money away on mostly door dash

>>53115220
>>53115255
Where do you bot shills come from?
Reminder that fucking CHINA stopped doing covid lockdowns and none of them are mrna vaccinated. Go dilate somewhere else

>>53112901
In 2020 I couldn't get a haircut for 6 months and that was only because there was a temporary lifting of restrictions in the next county over. I couldn't go to an indoor gym for 9 months and couldn't eat inside a restaurant or drink at a bar for over a year. Mind you this was Cuckifornia, but you're still a faggot who is just lucky their state government wasn't complete shit.

>>53112343

>>53113427
>imagine being so fucking dumb that literally every aspect of your life becomes politicized
This has been liberals for over a decade now. Unironically touch grass.

>>53115220
Kys

you need to make at least 200k a year and stash away at least 4 million

We need to put this generational obsession to rest, this shit came with Reddit and twitter tourists since 2015. And since we're all anons here, you have a lot of larpers larping as if they're older ''oh these poor zoomers'' or if they're younger ''oh these seething soillennials''

>>53112459
>under 30
>3 jobs
>100k
fake and gay

>>53112343
obviously because people now know that cash is trash and you should put your money in hard assets minus about 6~12 months salary

>>53112797
>businesses that were already failing failed faster then blamed the lockdown.
retard mutts

>>53118379

But Zoomers aren't saving, it's right in the data. So what's the massive income needed for? Paying ridiculous rent for living in trendy urban neighborhoods and going on vacation five times a year.

>>53112459
This post reminds me of the year before the dotcom bubble.
You're going to be unemployed within a year, I'm 100% sure.

>$170k
>$85k post tax
>$48k/y for a mortgage
If anything the zoom zooms are underestimating their needs

>>53112903
>>53112459
>>53118355
>>53118416
this is basic "economics" as your wage increases so does your spending, eventually you will plateau if you become supper rich.
It's kinda the whole reason trickle down economics doesn't work.

>>53112343
Why have savings in this current economy? Savings are for bull markets. Bear markets are for buying.

>>53113767
I never said there wasn't a lockdown you illiterate faggot LMAO
>>53117620
That was liberals for 2010-2020. Now rightoid NPCs are 100x worse than libcucks ever were. Kys
>>53117585
Cut your own hair faggot. Get a bench and work out at home instead of paying bullshit fees to absorb the sweat and taint of other filthy niggers like yourself. Our bars were still serving customers outdoors on the patio. Not my fault you live in a community of cucked faggots.
It's really easy to see who got brain damaged from COVID.

>>53113149
Brought up and raised by the Internet.

>>53118567
>That was liberals for 2010-2020. Now rightoid NPCs are 100x worse than libcucks ever were. Kys
You first vaxxcuck. Also eat shit for moving the goalposts that much in the rest of your post, you disingenuous troon.

>>53119748
In case anyone is wondering why /pol/tards seem 10x stupider now than they were 3+ years ago, pic related.

>>53118521
Retard detected. If spending increases as salary increases doesn't that mean the money is literally trickling down to those businesses and its workers he spends it on?

>>53120095
Even if this is true, COVID doesn't select for political beliefs, so necessarily shitlibs are braindead too.

>>53120625
True considering the only antivaxxers I know in real life are:
1) a literal tranny
2) a hipster anarchist/communist artfag
3) a retard who failed his high school science classes 3 times and voted for liberals just for legal weed
But on 4chan almost every tard suffering COVID induced brain damage is a rightoid NPC

>>53120208
no because business won't give you a higher wage. you think the perfect model where business will not nickle and dime and will hire more people across the line because more spending, but again the spending peaks, so trickle down economics "giving them more money by less taxes etc" doesn't work.

>>53118553

Savings is money you're not spending. What do you do in bear markets? Sell everything and spend it all? On what?

>>53117599
keep seething little zoom zoom

sorry, I mean

mad cope fr fr not lit no cap

>>53115034
>bright apartment with large windows
There is nothing wrong with wanting to live in a comfortable living situation.

>>53118316
Based. Fucking this right here I’m a 21 year old “zoomer”, and this anon just said one the most true statemtns ive read in my sorry 5 years lurking on this site.
It sounds cringe but we’re all people. The modern era certainly produces more differences between ages but by and by we’re 90% the same. We’re on /biz/ and on 4chan in general. We’re generally reactionary, we all want to be free, and we all want to not be bullshitted by society at large, so we come here for some refuge because at some level, it’s nice to hear unaudited thoughts from others that are similarly minded.
If this anon is still in this thread, I’d like to thank you for your above average intelligence, I appreciate what you’ve done and hope other anons can learn from your post.

>>53113427
Go back niggereddit tourist

>>53123416
35, been here since 4chan's first years.
You're a zoomer newngiger faggot that thinks all of 4chan always behaved like the brain damaged subhumans on /pol/.
tl;dr kys or fuck off back to twatter where you belong, you dumb faggot

>>53112624
>They vote for lockdowns, mandates
>voting
Holy shit what level of boomer are we on here

>>53112459
actual retard

door dash yourself some self help books

>>53112693
Operation Warp Speed

>>53112432
i hope those are combined incomes because that's fucking crazy. an accountant makes 60-80k. where do zooms think they are going to be making 170k from? no one gets that kind of money. software devs are not the norm and even software is dead now, the bubble popped

>>53112459
>just work 3 jobs bro
my parents never had to do this shit just to earn a living. it's not a matter if i could or not--i shouldn't fuckign have to. plus you assholes are going to ruin remote work for the rest of us. i'm saving myself 3+ hours a day of commute and mandatory lunch hours and dropped my stress from infinity to zero. now a bunch of greedy niggerzooms are going to ruin my comfy gig. snort fent and die.

>>53124014
You don’t get that by wageslaving. Gotta start your own business or get lucky with investments.

>>53120673
selection bias.
trannies and commies are the circle of people you hang with, while the only rightoids you ever meet are on 4chan.

>>53124155
not everyone is in a line of work where you can just "start your own business". my parents never had to do that shit. why should i have to just to get by?

>>53124291
Which line of work are you in?

>>53124314
>frustrated with working 40 hours a week for nothing
>get told the solution is to work 80 hours a week for nothing
i'm not starting a business dude

>>53120673
>True considering the only antivaxxers I know in real life are:
I know a SWE at google who didn't get the jabs lol

>>53115034
>go on 2 nice vacations per year
>live in a good apratment
>go to concerts
None of these are unreasonable things to want in a sane world

>>53112797
I'm a zoomer and worked throughout the entire lockdown. Home renos were FLYING. Would sneak over to a girl I started seeing's place. Would sneak her over to mine too ;P

>>53112459
virgin wagie
>>53112573
NEETCHAD

>>53112797
>>53112624
m8, I voted for Trump each election. If you want to seethe at zoomers as an excuse for the fact you let the election get rigged, that is on you.
Also the votes for Trump were worthless, besides destabilizing the government he started pandemic policies and the vaccine that Biden counties. Imagine being a vooooter nigger in 2023.
t. zoomer

>>53123583
I can't wait for you to drop dead like that football player yesterday.

>>53112624
>65 and older
>52/47

holy fuck, imagine seeing the demographic nuke that this country went through for 65+ years, and half the people vote for it to continue

>>53112432
With inflation and high interest rates you need around $140k/year in income to afford the median house in a low cost of living state. That’s the bare minimum (“starter homes” are no longer being built). So yeah, to be comfortable clearly you need to make above the bare minimum.

>>53127245
Literally half that amount.

>>53127245
>Make $100k
>Afford $300k home, 4 bed/2bath brand new in crimeless, white, comfy suburb
>There were cheaper 3 bed/bath options in the metro in fine locations

What reality are you in child?

>>53127293
The United States. Have fun being foreclosed on when you lose your job and can no longer afford the mortgage.
>inb4 “but I’m only spending 28% of my income on my mortgage every month”

>>53112343
The crazy thing is that boomers expect to become millionaires of a sub 100k salary. Explains why they still life in their delusions

>>53127293
>Make $100k
>Afford $300k home, 4 bed/2bath brand new in crimeless, white, comfy suburb
Where do you live? Narnia?

>>53127588
like 90% of this country is cheap

>>53120095
lmao, they are trying to blame covids for the jibby jabby brain clots?
i still didn't get a jibby jabby clotty blotty and i'm fine faggot but you're getting played

>>53127618
$150k is not cheap.

>>53112343
>Explain yourselves.
It made financial sense to save money historically?

That was difficult wasn't it.

Also note the disparity in how much gen z expect to earn and save versus boom booms. E.g. the zoomer expects to earn roughly twice as much as the boom boom, but the boom boom expect to have several times as much in savings. At peak interest rates of 15% in the UK historically, 760k would net you around 115k literally just in interest, doing nothing whatsoever. Which is more than half what a zoomer expects to make working.
>t. millennial

>>53113149
growing up with a phone rots your brain, imagine thinking about things like business when you're being raised to be a retard, and I'm no different either, I have several bags of the cheapest shit from dextools for some reason

>>53112459
>Just work le three jobs.

What the fuck is your problem? Stop consoooming.

>>53112343
>inflation makes retiring way more expensive and money more worthless
Zoomers are smart here

>>53118521
Or you can control your impulses like someone who isn't a nigger

>>53123583
You're bitching about the state of modern 4chan while posting unaesthetic chudjak edits that were probably made in a transsexual discord.

Worth noting that the median US HOUSEHOLD (i.e. more than one earner) income is like $65k

>>53112432
From the early 20th century, the ideal price for a house was about 3x your gross income.

Avg US home price in 2022 is now 500k, so 170k is about what they would have to earn if they want to live like their parents and grandparents did.

>>53118517
>50% tax rate
Zoomie

>>53123583
Newfag, I’ve been here way longer. You lurking in 2007 and posting starting in 2009-10 doesn’t make you even close to an oldfag

>>53112539

>>53124674
Depends on the vacations, right? Wanting 2 vacations that cost $1500 each a year vs 2 that cost $10000 vs 2 that cost $25000

>>53127588
Midwest

>>53127407
If I lost my job my spouse and I could get entry level jobs making $16/hr and afford our lifestyle fine. Obviously I’d look for a real job, but I’m not worried. That’s not accounting the $40k emergency fund. Sorry not everyone is a miserable and poor coastie

>>53124477
so you can start a business but you'd rather keep waging? lol

>>53123583
I cant wait for u to have a heart attack like that football vaxxie

>>53124245
The tranny in #1 was a conservative his whole life, #2 was his college buddy he introduced me to, #3 is a conspiracytard who is slowly becoming a /pol/cel with each passing day, and he's the only one I still hang out with.
None of my other friends are either libcucks or rightoid cucks because I don't associate with NPCs who politicize every aspect of their lives.
>>53126827
lmao 2 more weeks
Meanwhile your blood has been turned to poison from COVID, along with your wrecked immune system and permanent brain damage.
Myocarditis 8x more likely from catching COVID than from vaccines you inbred.
>>53129676
>2007
lol dumbfuck. You might wanna double check what year 4chan first started. You're still a newnigger cuck. Go back to twatter with the other braindead NPCs.
>>53129859
Funny how the only ones clotting up, dying, getting AIDS, and permanent brain damage are always antivaxxer cattle who think they know more about medical science than doctors with 30+ years of experience. And now you're crippled for life because you trusted 14 year old permavirgins on 4chan instead LMAO
Seethe more cattle
2 more weeks

>>53112441
Majority of people are shit with money. How many cases of poor people winning lotteries and being bankrupt 2 years later.

This reminds me of my boomer cousin who runs through money like water, but said if she ever had $50,000 to her name she’d retire. Guess it’s just as well she’s a spendthrift; keeps her on the treadmill where it’s safe.

>>53112459
Absolute NPC