Financial advice before going into 20's

[Anonymous No.27609753]

Millenials what are you're biggest regrets? Anything that is still relevent for zoomer just turned adult. No I am not a newfag I've only just become able to actually buy things

[Anonymous No.27610005]

Date as many women as possible, go to concerts, get punched in the face, punch somebody in the face, save at least 10% of each paycheck to save/invest, think long and hard about what work you want to do for the rest of your life, try all the hobbies you want to try.

[Anonymous No.27610334]

Put your money in a 401k and max out the contribution each year. It is free money.

Invest some of your paycheck in crypto. Don't worry about girls too much but do keep up a workout routine. It is so hard to start working out when you are older and fatter.

[Anonymous No.27610392]

37lv boomer here, don't waste your time chasing roasties in your 20's, invest only in yourself until you 30. Remember to put always put on your oxygen mask first before attempting to save others

[Anonymous No.27610676]

If you lose money on investments don't get discouraged, quitting will only make you miss opportunities.
Funny enough I knew about this concept in other fields and applied it successfully plenty of times (setbacks are no failure, they're just experience) but I still let it get the best of me when investing on crypto, and because of that I missed out on some nice pumps that I would have bought, now that I'm back I'm doing better than ever.

[Anonymous No.27610699]

>>27610334
Already putting what I have in crypto and hopefully even more when I can work again and get student loan if i decide/get into uni

[Anonymous No.27610710]

>>27609753
Don't waste all of your time in your career like I did, only to realize in your 30s that you missed out on living any sort of life all of that time because work was everything.
Have money but it's all so empty and tiresome. The "responsibility" crowd turned out to be full of shit. Live while you're young. Don't be a retard and accumulate some earnings, but don't forget that there's way more to life than careers and money. I did and I regret it.

[Anonymous No.27610720]

>>27609753
Don’t listen to 4chan. I lost my life savings on meme stocks and shitcoins

[Anonymous No.27610927]

Enjoy your fucking life
Travel, have sex, smoke weed / meth
Save money
don't buy expensive watches they don't impress anyone
Don't be a sad cunt
Buy Bitcoin on a weekly basis even if it's small amounts

[Anonymous No.27611138]

>>27610005
>date as much woman as possible, get punched in the face, go to as much concerts as possible.
Don't listen to this bad boomer advice, don't be a consumer wasting time on whores, save money and find a way to become your own boss and ignore any bad boomer advice about picking yourself up by the bootstraps

[Anonymous No.27611143]

Force yourself to walk outside at least twice a week
do some push ups / pull ups
try gay sex
try shemale sex
open your mind
be racist but have sex with other races

[Anonymous No.27611241]

>>27609753
>my regrets
Marriage
Still being alive.

[Anonymous No.27611249]

>>27610720
Don't listen to this faggot, chainlink made tons of anons rich.

[Anonymous No.27611264]

>>27611143
>try shemale sex
I would say this is a bad idea but these days who the fuck knows, it's clown world after all

[Anonymous No.27611293]

get pegged by a hippie yoga teacher
travel to COOMers destinations
infiltrate antifa / feminist organizatons then tell them that they are annoying
find a job where the pay is correct and you work very few

[Anonymous No.27611382]

>>27609753
27. Just took a loan to buy a home. This is the only debt I have left.

Don't go to school if you can find the knowledge online. Bolster your self worth by learning that knowledge online and creating a place to show off that knowledge. YouTube, Github, etc.

If you live in a state where the cost of living is higher than what you'll ever make. Leave. You'll be much happier when you're in a place that lets your money go much further.

You're in your early 20s. Spend some time alone and thinking about what you want the most out of your life. I spent the first 3 to 4 years of my 20s trying to decide where I wanted to be in life. I opted in for a programming job and taught myself.

Try a semester of college. If you hate it. It's not for you and do something else. Trade schools are worth more and won't take you 4 or 5 years just to get a shitty piece of paper and $50,000 of debt. Just know it's physical labor but can be incredibly rewarding considering that you'll be doing things with your hands.

You are going to hate yourself by 25 if you don't get your shit together by then.

If you are having trouble staying genuinely happy. Try micro dosing edibles. You'll realize there's an entire different personality that sits on the other side.

Only get the bare minimum that you need. Live small so you can live larger.

[Anonymous No.27611426]

Selling link for req in 2017. If you buy a shitcoin Or what appears to be one stick to it. Stop looking at your portfolio everyday. Get a job.

[Anonymous No.27611428]

>>27610710

Everyone regrets everything eventually. I enjoyed life but felt like a fucking loser for a good 6 years of my 20s because i had no idea how to get good jobs and save money. Drugs and women, sure. But life? I felt pretty fucked.
Fast forward i have kids and careers and regret not doing it sooner

[Anonymous No.27611474]

Just put away 10% of every single dollar you make before you calculate other expenses. Keep that money in a savings account and do not touch it until you find an investment that you believe in and are knowledgeable about. Diversify these investments over the years. Make your money work for you. Don't fall for PnD.

[Anonymous No.27611494]

>>27611382
this guy fucks

[Anonymous No.27611527]

>>27610005
Solid advice.
Save for the future, but live a little. Lots of people die young, or reach old age without having experienced life.
Don't be one of them.

[Anonymous No.27611609]

>>27610005
OP don't let anyone fuck up your brain being a nigger. This sounds cool until you're literally retarded

[Anonymous No.27611723]

>>27611609
don't be a sad cunt
you can surf the normie way of life and remain redpilled

[Anonymous No.27611805]

>>27609753
The thing is: you can "learn" about investing, you can literally go to school to study economics. You can try to become the go-getter, the smart, golden kid etc.

That still doesn't change the fact that I was at 28 a NEET master race who just happened to buy a fucking MOON coin at 10 cents and exited the markets at 1000x and made a million bucks. I wasted most of my 20s just working at fucking gas stations and abusing drugs: yet I still made more money than you are able to achieve in the coming decade

You can't replicate that, no matter how smart kid you are. You are not neet master race, and you probably are years late to the game. It's the harsh truth: you will never, ever be Neet early investor master race like I was.

[Anonymous No.27611809]

never forget this pic

[Anonymous No.27611932]

>>27611805
>working at gas stations
>being a NEET

you lost your youth, even 10 millions won't buy you that

[Anonymous No.27612133]

>>27609753

Read anything you can get your hands on, Work out, focus on your diet, Have fun....never forget to have fun, and lastly always take a portion of your paycheck and put 5%-10% in Bitcoin...no matter what. If you want to gamble on shit coin and meme stocks go ahead but make sure you do you BTC first. Compounding interest and the formation of good habits will catapult you ahead of everyone. Also learn to say"no".

Do all of these things and you will have all the pussy you could ever dream off.

[Anonymous No.27612163]

>>27611723
I'm not sure. I've partied enough in my teens. I want to build something and not just loiter through life

[Anonymous No.27612272]

>>27611382
absolutely based, 18 year old zoomer here, thanks fren

[Anonymous No.27612274]

>>27612163
do it then
no one care
don't be a sad cunt

[Anonymous No.27612290]

>>27611264
would unironically put my weiner into her boipucci

[Anonymous No.27612294]

Don't waste money on expensive cars, clothes, or food. Some of the biggest, needless moneypits that handicap your growth.

[Anonymous No.27612374]

>>27609753
Don't go to college. Get some shitty work and invest heavy into shitcoins. Even if you're living with your parents and see all your peers getting degrees and professional jobs. It's just a facade. They end up going again for masters just to qualify for work.

Remember, time in the market not timing of the market. You aren't daytrading. You accoomulate and watch crypto trends to see which is the new 10x.

[Anonymous No.27612385]

>>27611805
what was the moon coin?

[Anonymous No.27612548]

>>27610710

I'm not sure if I agree with this.

Get a gf you love in your early 20's, this will free up your mental bandwidth to pursue your career. Hit that shit hard as fuck and build up a strong resume, or ideally a business, then when you hit your 30's ideally you have a house, a fat bank account, a loving wife and you're free and clear to enjoy your life with responsible steady moves and bring children into a not-fucked financial situation so you can make them little badasses

[Anonymous No.27612716]

- Dont go into debt for a meme degree
- Study engineering, math, cs, finance or similar
- Study abroad for a year
- Get into the habbit of doing sports regularly (gym, running and something fun like rock climbing, boxing, etc), 5 times a week is good
- cherish your friends, dont end up all alone in ur 30s
- Decide on a long term investment strat and keep it (e.g. monthly ETF plan, Gold, Bitcoin). Gamble on meme stocks on a separate, much smaller account if you want
- If you like watches, get one good Gshock (e.g. the Gulfmaster) and one nice automatic watch for <500$, you do not need more until you are 45

[Anonymous No.27612745]

>>27612548
Literally me. Got together with my wife right out of her school and have been making strong stable moves ever since. She has zero debt out of school now and works a decent little job. We basically buy whatever the fuck we want.

[Anonymous No.27612847]

>>27611932
You don't get it. I actually enjoyed my 20s, I abused every drug known to man. Alcohol, parties, mdma

I was ready to lay down and rot and to fucking spend rest of my life in the fucking dirt shooting up in the gas station bathrooms, yet I fucking made it.

It was like a fucking blaze. This is how the lucky feel. How the blessed think. Like a daybreak in spring. It came out of nowhere

Imagine wasting years in the fucking gutter only to literally get a lift up in your life and get ahead of your peers who have sacrificed their whole life studying, careers etc. I got instantly above them in a matter of few clicks

This is how the lucky feel

[Anonymous No.27612923]

My DUI was my biggest regret. In general most of what causes younger people to go down disastrous life-changing paths is car related. Drive like a pussy.

Aside from that, I regret playing so much video games (something i don't do at all anymore)

I regret not putting as much into investments. Put money in now, and put money in often. Seriously break the 10% rule. You're young with no responsibilities or obligations. Sock as much money into stocks and crypto as you can.

All those loans I got on new cars and motorcycles were a complete waste, and brought me no joy.

[Anonymous No.27612964]

>>27612716
Solid

[Anonymous No.27612992]

>>27609753
save your money in your 20's, build up a padded savings account, live like you are broke, Invest wisely, never fomo. Max out a 401k until you hit 30, live at home or a cheap rental to save more. Don't get a wife or gf who likes to spend lots of money. Get a prenup. Don't take out student loans for a shitty degree. You don't want to be broke in your 30's its a horrific feeling

[Anonymous No.27613021]

>>27609753
start lifting
buy the dip

[Anonymous No.27613073]

>>27609753
Always fucking save
Fuck consoomers, fuck credit cunts, fuck benefit leeches
Fucking. Save.
BTC gold whatever just save because when you get old, and you will get old, you will be comfy while everyone else is dying in poverty

[Anonymous No.27613102]

>>27611241
This. Marriage will kill your wealth and your financial freedom and your investing game. It will also kill your soul over time after you realize you spent 20,000 on a diamond ring to keep a permanent child from fucking other men.

[Anonymous No.27613153]

>>27609753
my biggest regret is to be a coward in my younger days, avoiding social contact a lot and because of that only get my CS degree in my late twenties and 'starting' my life late. part of the reason is that my parents are well-off and i made >1K a month net in passive income in a Euro country

[Anonymous No.27613205]

>>27609753
Don’t waste your first paychecks in retarded things, if you want to play videogames just pirate them, cook your food, don’t have a gf and hate the jews

[Anonymous No.27613210]

>>27612847
That was me from 18-21

I started actually being smart at 22 and am halfway to making it at 26 now

[Anonymous No.27613214]

>>27609753
fuck as many women as possible, especially if you're in college you'll never be around so many young women in your life ever again. don't lose yourself to work/study or hedonism, but err more on the side of the latter. like this you can grow old with fewer regrets

[Anonymous No.27613238]

>>27609753

Buy $CLF

[Anonymous No.27613277]

>>27609753
Knowing about btc from 2009 but always dismissing it.
Meanwhile I invested in the stock market buying "cheap" stocks but the ones I picked never grew that much

[Anonymous No.27613326]

Don’t get arrested

t. 5000 spent on lawyer

[Anonymous No.27613333]

>>27612992
seems like the most concise advice so far. Prenup expecially I will literally have a 50/50 chance of loosing everything if i marry, granted the world hasnt ended by then

[Anonymous No.27613442]

>>27609753
This will sound like empty advice, but dont be scared to follow your own path. Dont pick a job or major just because that's what your parents want or what your friends are doing. Dont stay in your city/state/country just because that's where you were born. This doesn't mean to be contrarian and just do the opposite of what anyone suggests, but dont let your world and opportunities be limited.

[Anonymous No.27613511]

Hmm, I’m a 27 year old man living at home but I have about 245k in crypto. I only have about $400 in the bank. I’ll go homeless before touching that crypto. I pretty much wasted my early 20s with video games, friends, and drinking. I went to school at the age of 24 and that’s when I got my first official job. I’m almost done with school, I don’t have to worry about debt because it’s free for me. I don’t really regret anything. I guess not pursing more female relationships. I wish I manned up more and just fucking went with it. Also, wish I took weight lifting a little bit more seriously, I’ll have to get back in the gym because I can feel a fucking difference in my body. If I could go back. I would
>Join the reserves
>Ask out the quiet chicks more
>really focus on weight lifting
>Go into programming
But other than that, that’s pretty much it. I use to be a sad cunt when I was a bit young but you’ll realize that’s just life. There isn’t a fucking rule book or style you should live your life. It’s just whatever and shit happens. If you’re concerned with money, get a job and focus on that. Just get out there and see what happens.

Also, since you’re in your late teens/early 20s. Try and fuck as many milfs has you can. Just do it. You’ll be surprised at how many 40+ women will just spread it for you.

[Anonymous No.27613562]

>>27612385
FunFair

[Anonymous No.27613573]

>>27613102
I’m divorced now but I still hate that cunt. No kids, broke compared to where I was at my peak, fuck that fucking cunt.

[Anonymous No.27613597]

>>27609753
Invest in yourself. The 30s truly are the new 20's. Save money and invest, don't get FOMO of missing out on that decade, because if you do things competently (not even talking investing moonshot shit, just working up at a job) you'll have like double the salary, general buying power, and maturity at 30-35 than you did at 20-25. If you feel the need for higher education, do it online, as cheaply as possible from a regionally accredited university -- don't get a graduate degree ever.
> t. graduated college in 2008, couldn't get a single fucking job, thought a (((graduate degree))) would help, graduated in 2011 with ton of debt, STILL couldn't get a job for a full year and finally got one starting at $41-fucking-K a year.
I'm making $90K now been with the same company 8 years, close to debt free too.

[Anonymous No.27613598]

>>27609753
Choosing such a stupid degree in college
And then compounding that stupid mistake by getting $100k in debt going to law school before realizing that I absolutely HATED being a lawyer (soulcrushing job)

Also not investing in Bitcoin in 2014 when I first learned about it

[Anonymous No.27613699]

>>27609753
- Don't chase pnd's.
- Buy btc and eth.
- Don't chase prices, just buy and hodl.
- if you want to gamble use money you already won from holding and use 100$ max.
- there is an bitfinex demo acc where you can test strategies with imaginary money, use it before gambling with real money
- Arbitrage is dead
- buy spaghetti, salt and rice in bags bigger or equal 5kg, they cost 50-80% less.
- Don't touch stocks if you have less than 25k

T. Oldfag

[Anonymous No.27613701]

>>27610699
Take out maximum loan and go all in on Rubic

[Anonymous No.27613723]

I regret not learning how to budget earlier. If you go into your 20s with a good grasp on your budget and the ability to save consistently, you're way ahead of the curve.

[Anonymous No.27613783]

>>27609753
If your in college force yourself to join a club or something. If not, still find something like a club you can join.
Buy an onahole instead of wasting your money on porn/simping.
Learn to cook for ffs if you haven't already. Ordering food is the most cucked thing in the world. Chicken is cheap, and unlike rice and beans you'll actually eat it probably.
Check thrift shops for clothing or cookware.
Accept failure and learn from your mistakes, don't let your ego convince you to double down.
Drink water.

[Anonymous No.27613937]

Don't fall for the pornography and masturbation meme.
Shit fucks you up, turns you timid, gives you brain fog and destroys your sexual performance with women.
Stay away from porn.

[Anonymous No.27614120]

- don't ever get a loan on anything, ever, not even for the phone
- get educated on smth that you like not because of the money but because it increases overall wellbeing to know stuff

[Anonymous No.27614135]

Do Wim Hoffs breathing routine, cold showers, hike mt everesr with only your underwear

[Anonymous No.27614143]

>>27613723
this desu senpai imo.
Within the first couple months of using some program like YNAB like 8 years ago, it felt like I straight up doubled my income because I got smart about what I spent. Didn't even really restrict myself a ton; just identified a lot of wasteful spending and cut it. I was able a shit ton of money that allowed me to start investing and building wealth.
Obviously you have to not be some dopamine burnout coomer degenerate faggot with no willpower for budgeting and restraint to work.

[Anonymous No.27614220]

>>27613573
that's the cost of pussy anon

[Anonymous No.27614351]

>>27611382
Can't you make more money from a college degree than trades if you pick the right degree and right school? I'd probably be set for life if I did Computer Science at a top tier school like UT Dallas right?

[Anonymous No.27614381]

>>27613937
This is WRONG this guy needs to do some squats to get the blood flowing again. When I don't fap for 5 days I have problems to get my dick hard again. It's NOT porn causing this, it's inactive Sexual life and doing not enough sports that is the cause.

[Anonymous No.27614408]

>>27612548
Agree with this, however I am extremely lucky and found a woman who shares my values and is able to take care of herself. Not having to think about chasing women has really freed up my mind. That being said if I hadn't found her I'd much rather be alone than take care of a child-like NPC that 90% of women are.

[Anonymous No.27614557]

>>27614351
Comp Sci is hell anon. Seriously, only do it if you're passionate about it. And if you do it, either intern a lot, or lie and say you have experience.

[Anonymous No.27614690]

Remember: to defeat the Jew you must become the Jew. If you believe Jewing to be immoral you will make it impossible.

[Anonymous No.27614693]

Developing a findom addiction (over 140k loss over the years)

Don't get into findom!

[Anonymous No.27614817]

>>27609753
Since you are young, i am gonna assume you are not particularly good at anything. So focus on incremental improvement. Don't compare yourself to others. You WILL burnout, and waste a lot of time. Doing something for 20 minutes a day everyday is better that just bingeing something for 5 hours and quitting.

That's it the rest you will figure out on your own.

[Anonymous No.27614984]

>>27613699
>- buy spaghetti, salt and rice in bags bigger or equal 5kg, they cost 50-80% less.
Why would I need a 5 kg bag of salt when I browse /biz/?

[Anonymous No.27615054]

Ignoring the BTC threads on /g/ over a decade ago

[Anonymous No.27615077]

>>27613937
Also don't be a fucking consoomer, I guarantee you're spending more money on dumb consoomer bullshit than you should be.
The next purchase WILL NOT make you happy. You probably enjoy the whole searching/reading reviews/watching unboxings process more than owning the actual thing anyway. You don't fucking need that latest consoomer toy. I doesn't impress anyone, and it doesn't make you happy or fulfilled.

Most entertainment is fucking free anyway. Pirate your shows/music/books/games. They're all available on the internet, use Torrents, Deezerloader, Z-Library, Fitgirl Repacks etc. Hang out with your mates, go on walks, exercise instead of spending money on bullshit.
Limit the amount you spend on eating out or ordering takeaway, learn how to cook instead. You can feed yourself for a whole week for the price of 2 meals out which were prepared by some bored minimum wage nig anyway.

>>27614381
It absolutely is porn. Fapping using your imagination isn't too bad, constant exposure to porn absolutely makes you more selfish in bed and gives you more and more fucked up fetishes meaning normal women don't satisfy you anymore. Go off porn for a month and I guarantee you'll feel like a new fucking man.

Anyway I don't usually write this much, I'm now 24 and really wishing I realized all of this sooner. Hope some young faggots read this and don't fall for the same mistakes that I fell for.

[Anonymous No.27615086]

Iaw school advice? i am about to finish undergrad and am studying for the lsat? Show I go thru with it? What is it actually like being in law

[Anonymous No.27615391]

>>27614351
Compsci is an awful degree unless you want to stay in academia forever.

[Anonymous No.27615400]

>>27613699
>Don't touch stocks if you have less than 25k
what did he mean by this

[Anonymous No.27615473]

What advice would you give for an early 20's poor NEET? I've only started getting into crypto now and have wasted my opportunity to become a rich loser, but oh well.
>inb4 invest in a good rope

[Anonymous No.27615549]

>>27615391
What why? How else can you be a software engineer in the age of credentialism?

[Anonymous No.27615693]

>>27615549
By doing a software engineering degree.

[Anonymous No.27615718]

>>27610005
>get punched in the face, punch somebody
this

[Anonymous No.27615839]

>>27610005
gayest shit ive ever read go watch fight club again

[Anonymous No.27616200]

Follow a band for a couple years, fuck hos, do LSD and MDMA, but make sure your still buying crypto and stocks. Getting a real job before 26 is wasting your time, if you are mildly intelligent and work hard you can start from nothing and be where you want to be in a couple years.

[Anonymous No.27617662]

>>27611382
>LMAO learn to code bros, youll make more than the billions of pajeets doing it honest. Big companies dont give a shit about silly things like formal education
Jesus fuck

[Anonymous No.27617785]

>>27611809
underrated post

[Anonymous No.27618213]

Solid thread. Appreciate this Biz, this honestly very insightful

t. 19 yo

[Anonymous No.27618396]

>>27610005
Yes, this. Go out and have a little fun. Now is the time to do it. Also, your early 20s should be used to experiment a bit and see what kind of things you like to do. I'm 31 and I don't miss my 20s. Know why? Because I had a blast and don't feel like I missed out. Now I have a nice career, I'm financially stable, and I have enough experience with women, friends, and hobbies I like, that I have some confidence that I can handle things well enough

[Anonymous No.27618590]

>>27615549
>>27617662
kek, I have a BS in business admin and an MS in fucking mass communication and I'm a senior developer at a large defense contractor. If a place demands comp sci degrees and coding quiz shit you don't want to work for them anyway.
Coding is "show, don't tell" at the end of the day. You can get all the degrees in trivial academic computer science shit, bootcamps, and meaningless certs and nanodegrees etc, but all we look for when hiring people is demonstrable experience doing actual shit --- not just sitting and talking about doing it. You show me you've built some cool stuff personally and/or professionally and have great problem-solving and info-gathering approaches, and you're in.

Anyone shilling MUH COMP SCI DEGREES is just tranny coping at how they spent $100K on a degree learning the history of processors and the rest of the 99% of the curriculum they will literally never ever use again.
99.999% of CS grads just end up getting jobs as programmers, and that shit is more of a trade at this point.
Copers just want you to feel the same pain they do so they can feel a bit better about the huge debt they took to try and get a job people with literally 0 degrees can do just as well and often better.

[Anonymous No.27618649]

Biggest regrets:

Wasting too much time and energy on a dead end job. Chase the big money, don't get sucked into working hard for nothing. Most jobs are dogshit with no future.

Not taking bigger risks. I spent too much time on the "slow but steady" approach and missed out on big opportunities. As I said, the middle class way of life is dead. That approach worked for boomers who only had to not be a complete fuck up to make it, but it doesn't work now.

Generally listening to boomers too much for advice instead of looking at what was actually happening. Same could be true of millenial advice to zoomers so be careful. Things like what careers to go into, what investments to make, etc. Rather than give any specific advice here, best thing is to look at what jobs are actually paying well out of school and within 5 years (actual stats not articles), ditto for investments etc.

[Anonymous No.27618845]

>>27609753
>biggest regret
College

[Anonymous No.27618968]

>>27609753
>biggest regrets
Thinking I was priced out of fundamentally solid coins that pumped 200%-300% percent, and then went on to 50x
Fundamentals > memes
Being greedy on shitcoins instead of just flipping
Selling solid holds too early
Not believing in pic related

[Anonymous No.27618984]

I followed the advice of my boomer parents to...
>get a college degree. Doesn't matter what it is in, just as long as you get one. Employers will instantly hire you.
Got it in psychology. Ended up having to pursue a master's in human-factors/cognition but wasn't able to land a tech related gig in the area I live. The career I'm in now hardly uses any of that education. I only use it as a means to an end now. Money that I instantly put into investments. I've made more this way than doing the wage slave bullshit. Wish I knew this much sooner of course.

[Anonymous No.27619155]

>>27609753
>dont spend too much time on women. theyre not worth it, and theyre rapidly depreciating assets. you will only gain value as you get older
>invest now. youll feel poor in your early 20s, but by your late 20s early thirties youll suddenly have a lot of money compared to your friends
>materialism is spiritually devoid
>keep fit, work out.
>develop skills
>learn an art form (painitng, music, writing, w/e)
>don't burn bridges, but also dont always be the one to cross them
>avoid debt

[Anonymous No.27619169]

>>27609753
Buy ARKW, ARKF and ARKG and go live life. Trust Momma Cathie with your money, she knows what the fuck is up
>predicted 4k tesla price target years ago when it was $100
>called insane

[Anonymous No.27619299]

>>27609753
Fuck work get rich. Buy shitcoins get rich like me. Stocks suck dick and crypto is king.

t. made it at 26

[Anonymous No.27619341]

don't be a pussy and don't hate the world, it's not so bad. don't think you can save the world either or any bullshit like that. i spent years 18-26 just hating everything and everyone, and doing nothing with those years. now that i'm 30 this year i realise that it was all just some weird excuse i had made up for being a faggot. i lost all my friends in that period, never went to clubs or dated girls because i thought i was better than everyone else. went from being able to pick and choose any girl i wanted in the school / college era and having the kind of genuine super confidence in yourself that lets you believe the sort of dumb stuff that you have to believe to end up with such an extreme superiority complex, to total self-loathing and 0 confident with women. don't smoke weed either, that's a big trap a lot of people fall into. and looking back now i have no idea where the last 10 years went, most of it spent in front of a screen playing video games and (in the second half) drinking almost every day to try and escape the hell i'd made for myself.
so go out, don't smoke weed, don't stay indoors, think long term, not short term, life is a long thing, every day you spend living like you don't give a fuck about your future is a day wasted

[Anonymous No.27619441]

>>27618590
>says dont bother paying for an education just learn to code
>has an MS and ON TOP OF THAT learned skills outside of the workplace
Absolutely not the same as not educating just learning shit during NEETdom. Stop selling a pipe dream that theres any money in software engineering for the uneducated

[Anonymous No.27619645]

>>27619155
Also only go to college if its a field where you absolutely need it (STEM)
>the rest you can learn yourself by reading
>so read

"What about the main thing in life, all its riddles? If you want, I'll spell it out for you right now. Do not pursue what is illusionary -property and position: all that is gained at the expense of your nerves decade after decade, and is confiscated in one fell night. Live with a steady superiority over life -don't be afraid of misfortune, and do not yearn for happiness; it is, after all, all the same: the bitter doesn't last forever, and the sweet never fills the cup to overflowing. It is enough if you don't freeze in the cold and if thirst and hunger don't claw at your insides. If your back isn't broken, if your feet can walk, if both arms can bend, if both eyes can see, if both ears hear, then whom should you envy? And why? Our envy of others devours us most of all. Rub your eyes and purify your heart -and prize above all else in the world those who love you and who wish you well. Do not hurt them or scold them, and never part from any of them in anger; after all, you simply do not know: it may be your last act before your arrest, and that will be how you are imprinted on their memory."

[Anonymous No.27619666]

Don't make major life changes to make your girlfriend happy. Never care about a girl more than she cares about you. Seriously in your 20's women are the biggest way you can fuck up your financial future.
Save up about 25k and hire a financial advisor and open a mutual fund you put at least half your income in it and by the time you're 30 you'll be rich compared to all your friends. Big financial down turn is incoming you'll want to stack cash to take advantage. The question is will you play it safe and do mutual funds or will you roll the dice and pick stocks yourself. Personally I would do the funds since you are young and the gains will be consistent

[Anonymous No.27619861]

>>27619666
>this
was my strategy, now ive got enough cash to play with shit coins if i want and if it all crashes tmrw ill be fine

[Anonymous No.27619865]

>>27609753

lvl 28 here

Dont join any kind of military but do go and do lots of adventurous sports
Get very good at something profitable
Dont spend all your time trying to rake in cash,
Go to the gym, stay fit and healthy
Having sex with hundreds of girls WILL mentally mess you up when you want to have a family and will cause lots of problems for you in the future.

[Anonymous No.27620125]

>>27618649
>Wasting too much time and energy on a dead end job. Chase the big money, don't get sucked into working hard for nothing. Most jobs are dogshit with no future.

good advice, many employers will use your good work ethic against you

[Anonymous No.27620280]

>>27609753
My biggest regret is not putting more money into long-term stocks sooner and not using some of my disposable income for short-term gains or gambles from an earlier age.

[Anonymous No.27620293]

>>27610720
seems like you missed out on Link

[Anonymous No.27620441]

>>27611723
If you allow yourself to get head trauma, no, make it a goal, you are maybe too stupid to live already

[Anonymous No.27620742]

>>27609753
>lift
>don't waste time on video games
>fuck as many girls as you can
>make friends
>build a real future for yourself, being 20 doesn't last forever
Those are all the things I should have done. I recommend going to college and getting a real degree. Hint: if it's difficult it's probably a good degree to get. Go to your local community college first and do as many English, math, and gen ed classes as you can so you can save money over doing the entire 4 years at a 4 year university. You don't want to be going to college at 30 like me. I'm using my GI bill to pay for things but I wish I would have just sat my ass down and did the work years ago. Trades are a fucking meme. Manual labor is slave labor. People respect white collar workers and being respected is a good feeling. Watching yourself get older and still working shitty jobs is a terrible feeling. Invest in crypto as much as you can. I look back at prices a year ago and I know I could be worth 50-60k right now if I put in the same money I put in now. I just want to look back at this next year and be happy with my decision and have a much higher net worth. The most important thing though is that it's never too late to make positive changes and improve yourself but don't wait to start making changes.

[Anonymous No.27620878]

>>27610005
That’s really good advice.

[Anonymous No.27620911]

Try to have a small ish circle of friends

Read a lot

Work out

Keep alcohol down to when you're having a good time

Find an art that you love - music, painting etc

Don't turn into one of those "thank god its friday" types and waste Sundays hungover

Recognise who are just good time party friends and actual friends

If you find a great girl keep her, if things become stale then fix things asap or cut your losses

[Anonymous No.27620948]

>>27620742
>fuck as many girls as you can
meme advice
if i could go back i wouldnt fuck half the girls i did.

[Anonymous No.27621065]

>>27609753
Invest in yourself. Like spend money on private tutors to teach you everything, such as foreign languages, tech skills, people skills, speech training, weight lifting, etc.

[Anonymous No.27621163]

>>27610710
This is interesting because I've pretty much lived the opposite to you lol. Partied for most of my 20s and I'm now trying to find my calling at 30.

[Anonymous No.27621534]

>>27620742
Besides the fuckmaster advice pretty solid, tight, based and redpilled

[Anonymous No.27621608]

>>27609753
Financial advice before going into 20's
>dont ever buy anything on credit unless its for a car that you absolutely need to get to work or a house/flat you want to live in
>if possible in any way get a bike and not a car
>make a spreadsheet where you write down all your fixed costs for living, subscription expenses, variable expenses and income
>invest money you dont need into a well diversified low fee accumulating etf on a cheap broker that has good offers on etfs
>dont buy shit you dont need, ignore everything that advertises quick money, and again, absolutely avoid debt whenever possible

[Anonymous No.27621693]

Another thing that's more life advice than financial would be if you've been interested in something but the entry cost is keeping you away just go for it. For decades I've been into motorcycles and this year I finally got one at 30 years old and I wish I did it so much sooner even though it was expensive. Setting small goals like "I'll save up 30k spend 12k on a bike and the rest into investments" is a good way to stay motivated. There is no reason to stack all this money if you're going to sit in a room and be miserable. Just be smart about it always invest more than you spend on your hobbies and hedonistic pleasures.

[Anonymous No.27621702]

>lose lots of money GME but overall up $300 with lots of lessons learned (i'm new to investing)
>now life advice thread
thank you anons, you've given me hope that I can make it

[Anonymous No.27621706]

>>27609753
learn what you want to learn, nothing matters at the end
>it's too late to start now
this feel will never go away so just start things

[Anonymous No.27621746]

>>27612548
Good advice, was on this track until I dropped out of one of the harshest STEM courses at a pretty strict uni and my gf dumped me out of disappointment. Was probably not the right one if that is what triggers her. Also apparently she wanted to fuck around on her gap year, how convenient.

[Anonymous No.27621904]

>>27620742
agreed on all this except the third point, pussy is pussy and it all is the same, don't put that shit on a pedestal, put money on a pedestal instead. find yourself a nice chica who wont steal your bag and be happy

[Anonymous No.27621958]

Ask a lot of girls out, it don’t tolerate their bullshit, break up with them quick.
Try a lot of crazy shit. Just don’t go to prison, have a kid outside of marriage, do anything that will affect you negatively forever.

Begin to make long term plans such as career, saving. But don’t forget to have fun.

Instill good habits and hobbies and lifestyle. But still experience crazy shit.

Pro mode: talk to a stranger everyday. A mix of hotties, bums, elderly, random dude, whoever.

Shower and go outside everyday.

Read mein kampf

[Anonymous No.27621969]

>>27609753
Spending all my money in my early 20s on heroin.

Now biggest regret is not putting more money into UMA.

[Anonymous No.27622040]

>>27613333
>50/50
Statistics say 90/10 for children and probably not much lower for significant amounts of the husbands fortune.

[Anonymous No.27622141]

>>27611143
>be racist but have sex with other races
kek'd

[Anonymous No.27622167]

>>27615077
thanks anon, we're all gonna make it

[Anonymous No.27622532]

also
regrets are only a perception bias of randomness and time flow, you feel bad about them if you believe in them
if it's the case just select the ones you're able to keep up with

[Anonymous No.27622600]

Been on /biz/ for about two weeks now, came from /pol/.
This place is really good. This thread is filled with (mostly) good advice.

I regret not getting into shape sooner.

[Anonymous No.27622738]

>>27620742
>lift
dont fall for meme gym culture tho. its pretty gay and pathetic. doing workouts is fine and healthy though.
>don't waste time on video games
why? follow whatever hobby you enjoy.
>fuck as many girls as you can
this is stupid and probably comes from someone with a complex. fuck girls you like. i mean sure, go fuck some girl just for the sake of fucking her, but trust me, as soon as you came you will question yourself on why you even bothered and wished she was gone. so again, fuck girls you like. either go for fuckbuddies or relationships. just fucking girls for the sake of fucking them is just retarded. just fap if you are horny.
>make friends
very simple and very important. cannot stress this enough. maybe worth to add is to also take care of your friendships.
>build a real future for yourself, being 20 doesn't last forever
vague goals like this will lead to nothing. when formulating goals either have a clear idea of what you want or if you dont, chill and think about it another time. after one year most things will often be completely different anyways when you are young. just dont stand still. always do something and never forget to also value the process instead of only the goal.

[Anonymous No.27622815]

>>27612294
>Don't waste money on (...) food
That's so stupid. I mean, don't go to starbucks or expensive restaurants every day, but quality food is so much better than eating shitty food and it's worth spending more money there.

[Anonymous No.27622893]

>>27622600
its really not that good though.
most people dont know shit and just talk out of their ass, especially when its about financial markets. ignore everyone who is trying to tell you that he knows anything about what will happen in the future, they are idiots.

[Anonymous No.27622927]

>>27609753
Buy bitcoin

[Anonymous No.27623458]

>>27609753
Wait for the crash and put it all on BTC/ETH this time next year.

[Anonymous No.27623682]

>>27609753
Inflation will continue forever since rolling back spending is politically untenable in all western nations
Buy land, gold, stocks, crypto and guns
Don’t fall for memes and schemes, go long on everything
College is a scam and women are whores
Live modestly and find fun hobbies while you quietly get rich off sound investments as the world burns

[Anonymous No.27623716]

>>27610005
This sounds like gay boomer shit, but he's completely right. Go out there and make experiences. My only regret in my late twenties is I don't really have any stories to tell.

[Anonymous No.27624295]

19 yr old here, thanks for the advice anons