How much money is time worth?

[Anonymous No.49574272]

I just hit 25 and i just realized i spent the last 3 years of my life being extremely frugal and while it has made me ahead of most of my peers in finances, they have a whole lifetime to catch up to me. I even avoided dating the last 3 years because fear of not being financially stable long term. I am def comfortable now but i cant really get those early 20s back. should i start burning cash and enjoying life or is it just a quarter life crisis and 30 isnt that old

[Anonymous No.49574290]

No one, and I mean NO ONE, gives a shit about you or your life story, faggot.

[Anonymous No.49574291]

>>49574272
party in the philippines/thailand like an animal, fuck at least 2 women/trannies a day.

You deserve it.

[Anonymous No.49574293]

>>49574272
>should I start burning cash
no

maybe just fuck some hoes and take a trip out of the country or whatever. but yeah you're right. people can catch up to you pretty quickly, not that it fucking matters because your life is your own. just try to shake things up

[Anonymous No.49574303]

>>49574272
NOTHING

[Anonymous No.49574306]

Go have sex and get a high income job, it’s what they’re all going to do and they’ll manage to end up wealthier than you at the end of life

[Anonymous No.49574316]

>>49574272
>avoided dating
post picture of your goblin face

[Anonymous No.49574318]

>>49574272
have a strategy and stick to it, stop being a faggot
being frugal in your 20s is the single most brilliant thing a man can do
t. 33 year old, net worth $1.2m, can retire if i want. feels fucking amazing
also unironically the next 3 years or so are CRUCIAL - play them smart and you won't even need to take that much risk to get your net worth over $1m from a low base
there will be giga opportunities in stocks, crypto, and real estate

[Anonymous No.49574323]

>>49574272

The best you can hope for is to have a loving family around you in your final days.

[Anonymous No.49574349]

>>49574272
>EnJoYiT!!!!!!
oh yeah, i would love to enjoy my shitty life of working 10 hours a day, with zero chance to buy a house, zero chance to have kids, zero chance to be loved except by my mother.

[Anonymous No.49574399]

>>49574272
Let yourself have a reward of some sort. Want to party but don’t wanna burn heaps of money? Suggest going to a third world country as everything costs literal pennies. I spent $3k for a month long vacation in Thailand doing whatever I wanted and eating whatever the fuck I wanted. Highly recommend anon
t. 23 old who gave up their younger years to accumulate funds and did the same

[Anonymous No.49574411]

>>49574306
i have a good income job.
my cash burn rate per year is lower than 15k
i save like 70k a year after taxes. Looking to swtich into quant trading so i can make exponentially more.

[Anonymous No.49574456]

>>49574349
>i would love to enjoy my shitty life of working 10 hours a day, with zero chance to buy a house, zero chance to have kids, zero chance to be loved

Then FUCKING leave that world behind.
Sell everything, buy a ticket to tropical island.
YOU are an educated person, you are smart, go and find a woman and fucking thrive there!

[Anonymous No.49574476]

>>49574272
uhh with money 30s are the best for a man dummy, I fuck dumb 18 year old zoomie retard girls at 31

[Anonymous No.49574507]

>>49574318
Based old man

[Anonymous No.49574527]

>>49574456
yeah but they are brown.

[Anonymous No.49574529]

>>49574272
You did good.
Kill debt early and you will be ahead, create wealth early and you will be ahead forever. Go live life, the destruction of the financial systems as you know them starts in earnest tomorrow.

[Anonymous No.49574539]

>>49574272
>tfw spent the past 10 years being frugal but still haven't been able to save money
worst of both worlds

[Anonymous No.49574542]

>>49574476
where do you meet them?

[Anonymous No.49574555]

>>49574527
>yeah but they are brown.

[Anonymous No.49574630]

>>49574272
burn some cash but not all of it

[Anonymous No.49574631]

>>49574555
African goddess only low t betas are racist

[Legalize rape No.49574684]

>>49574555
Legalize rape

[Anonymous No.49574691]

>>49574631
>only low t betas are racist

All pussy is pink!

[Anonymous No.49574711]

>>49574476
but anon, that could have been YOU at 18 getting sugardaddied

nah but in all seriousness i happen to think 30s are where it's at, where one has figured some shit out with some money put away
but there's no broadly-applicable metric. maybe you think 20s are overrated maybe you don't. do it at your own speed, is my point i guess

[Anonymous No.49574720]

>>49574555
>>49574691
literally BUILT for my BBC

[Anonymous No.49574772]

>>49574720
cope

[Anonymous No.49574812]

>>49574720
>literally BUILT for my BBC

[Anonymous No.49574817]

>>49574318
I pray this shit works out for me.
>28
>frugal fuck, saving 60% of my shitty low wage
>450k ath, now 150k due to crash
>not selling before I hit 1m

[Anonymous No.49574846]

>>49574476
>I fuck dumb 18 year old zoomie retard girls at 31
thats just weird and kinda cringe imo. 31 banging 18 isnt same as 18 and 18. kinda reeks of cope and manchildness that you have to hang out with people half your age

[Anonymous No.49574876]

>>49574539
Anon that is called being poor

[Anonymous No.49574922]

>>49574772
I have a massive big Black penis and hairy big Black testicles, I'm living life
>>49574812
she's built for BBC too. and why are white boys so obsessed with Black babies

[Anonymous No.49574931]

>>49574272

NGL I was kinda emotionally devastated on my 30th. I don't really know why, I'd finally for the first time in my life gotten a job that paid enough for me to afford a 1 bedroom apartment in my small hometown that's been invaded by Californians. All of my friends are in other states, or a few hours' drive away, though, and I have no social circle nor female in my life to speak of.

I no longer see the point in living, my rent is just gonna go up but I can't afford a fucking house, so I'm just slaving away for nothing.

[Anonymous No.49574942]

>>49574922
>why are white boys so obsessed with Black babies

No particular reason

[Anonymous No.49574946]

>>49574922
Chang, this is really sad. Is this really what your mother wanted for you?

[Anonymous No.49574955]

>>49574942
this woman is built for my BBC

[Anonymous No.49574975]

>>49574955
>this woman is built for my BBC

[Anonymous No.49574979]

>>49574931
>I'm just slaving away for nothing

well, now you know you have to make it investing. grind harder

[Anonymous No.49575041]

The worst thing you can do with your time is lurk imageboards all the time. Even prison might be better.

[Anonymous No.49575042]

>>49574931
no hate, but this is what happens when you waste your 20s.
any young people reading this (~20):
have a fucking strategy, have a plan. you can get a gf, do whatever, but MAKE MONEY and invest it in your 20s. by 30 you can pretty much make it, and anything above 30 is easy street
also reminder that even as a 40-50 year old dude you can fuck 25 year old girls or even wife them up if you want

[Anonymous No.49575072]

>>49574931
can somewhat relate. not in software so 100k was a big deal for me but when all the techies went wfh and making 200k out of school all the money i saved to buy a house kinda feels worthless. houses doubled and now theres also no supply. when supply returns more of these wfh techies will get them...and their gfs all make more than me doing onlyfans. its a horrible world but we are gonna make it bro

[Anonymous No.49575126]

>>49574272
Money is an abstract representation of time retard. You spend it so you can better use your own time and life in things you care about.

Money = time.

[Anonymous No.49575244]

>>49574272
The better question is, how much time is money worth?
This generation the really wealthy people who are still fairly young will be able to live in good health for much longer. There’s a reason people like Tony Robbins are investing in all these new longevity companies. People will keep saying we are a long way off from the singularity of living forever, but in reality technology is already far ahead of where most people expect. There were already trials on an alternative NMN form from tri hills to create a controllable drug format tested on the US army and guaranteed to have been made available for the “elite”. You can go to Panama and have stem cell therapy to regrow all your tendons and ligaments to avoid the aches and pains or completely repair injuries that would affect most people for life. You can sign up for paid “trials” for other random therapies like plasma transfusions. You can pay for IV administration of vitamins and supplements that have good effects.
Sadly, this last 2 years was probably the last chance to make it, ever. There will now be a new class systems and if you can’t already afford and access this (around 50k a year) you never will. You are an indentured servant and you can only watch complacently and cope while life slips away and others pay to extend it. Welcome to the great reset.

[Anonymous No.49576031]

>>49574272
the right hand is only 1/2 a day into her 30th birthday.
>enjoy it

[Anonymous No.49576105]

>>49574272
This bitch really sat half her body in the sun

[Anonymous No.49576172]

>>49574846
You're a Vincent. While you're friends grew up and learnt to enjoy life as an adult you are out here larping as a grown up at 25. Stop visiting Reddit, here, tiktok and wherever else you picked up this horrible habit before it consumes you.

[Anonymous No.49576190]

>>49575072
This has to be a demoralisation larp..

[Anonymous No.49576307]

>>49574542
Not anon but I live and work near SDSU and fuck cute college sluts.
33 btw.

[Anonymous No.49576370]

>>49576190
not larping. i make about 120k rn. started out of school making 90k, then 102 and now ~120

meanwhile my friend who just graduated with CS is making 130 base and with stock/sign on about 200k first year

[Anonymous No.49576849]

Nah it's not a big deal. Whatever fun you think other people are having is really not that fun. You really want to waste every weekend on having a massive hangover because you wasted your friday evening binge drinking with people you're never going to see again? If life feels empty it's probably because you need to build some real relationships or meaningful interests. "Fun" won't fix that.

Besides, they aren't going to "catch up". Lazy people don't suddenly become disciplined when they turn 30. Instead of binge drinking they'll be binge watching muh shows and having "fun" with that. They'll never catch up.

[Anonymous No.49577003]

2 choices:

1. Blow all your money now partying and spend your senior years flipping burgers to make ends meet

2. Save your money and spend reasonably. Retire a single digit millionaire and travel the world to make up for the fact you couldn't afford it when you were young

[Anonymous No.49577042]

>>49576370
I was more referring to your lack of self awareness and how many memes you've fallen for but by that answer maybe it's not a larp.

[Anonymous No.49577084]

>>49574272
Find Jesus

[Anonymous No.49577159]

>>49577042
alright ill bite...which meme have i fallen for besides major in engineering.

[Anonymous No.49577212]

>>49577003

3. Party and travel while young. Meet many interesting people and experience many things.
When you get old, marry rich old lady by charming her with your life stories and experiences.

[Anonymous No.49577308]

I've always been a firm believer in
>It's not how much you make, it's how much you spend
I think it's very true. I think a lot of people make a lot more money than they think. But there comes a point where the effort you put into saving money could've just been used towards making more money. With saving money you'll always have a cap. Yeah maybe you can squeeze out an extra $2 if you buy a specific toilet paper brand but only after doing the math on it, then thinking about how long they actually last comparably. But is the $2 worth it when you could've spent that 5-10 minutes working on something to make money in a way that isn't hard capped? Life is a balancing act anon, start taking the amount of money you make an hour and compare it to how much you'd save in an hour and see which ones high. Then pick something to put that time towards that will make money. Fixing your own car might save you $100 an hour easy, but shopping around hoping to save $5 on a pack of socks might not be

[Anonymous No.49577873]

>>49574846
If he hanging with 18 year old guys I'd agree but a woman's worth is entirely based off her looks, her maturity doesn't matter.

[Anonymous No.49577921]

>>49576849
this sounds like cope but it's unironically true
i remember being a normie, going out, going on holidays - it was never as fun as it looked
it won't make you content especially if the people around you are normalfags that you can't really deeply relate to

[Anonymous No.49578042]

>>49574318
LMAO I'm almost your age and my net worth is like 13k

Ahhh I may be fucked, but at least I'm feeling brave. I wanna catch up to you

[Anonymous No.49578063]

>>49577873
strongly disagree. i feel like 30 and 20 just has a power imbalance. Even at 25, 20 seems weird. that being said 40 and 25 doesnt seem bad to me.

[Anonymous No.49578104]

The law of diminishing returns is a thing, as you get older everything gets less interesting. Women, sex, partying etc.
You need to get some of this in your 20s as its not the same in your 30s or older. You body cant handle it as much and also you wont hit as high dopamine levels.
You dont need to go out every weekend for years, but make sure to get in some good weekends in your 20s as you can never get those feelings again once your 20s are over.

You will never have those energy levels, the newness of the world, the adventure.

[Anonymous No.49578114]

>>49578042
depends on a lot of things but like i said - next 2-3 years are unironically critical to your financial future
make the right moves and swoop in to buy real estate bags, crypto bags, stock bags - whatever is capitulating. Best opportunity to get rich since 2008.
But make sure to work on building up your capital - wageslave hard and curb spending as much as possible.

[Anonymous No.49578200]

>>49576190
thats nothing, I live in Eastern Europe and earn little over $1k a month, while housing prices used to be decent here in by now anywhere non rural shithole they went up so badly, a decent flat goes for like $100k, a decent detached house $150k, our currency is worth nothing, while during covid I used to save up a third of my pay I can save maybe $100 a month now, prices in general are quickly converging to western levels.

But even my ears who earn "decent" only means like $2-3k month, its a fucking joke. At least my local gym is cheap so I can exert my depression and hatred into working out.

[Anonymous No.49578203]

>>49574272
My time is worth $40 an hour minimum. I don't have a degree or skills, that's why it's.so low at the moment

[Anonymous No.49578227]

>>49578203
kino

[Anonymous No.49578267]

>>49574631
I'm still racist even though I've fucked way more women than you.

[Anonymous No.49578282]

>>49578200
>ears
peers

[Anonymous No.49578326]

>>49574349
this
how in the fuck can anyone enjoy their life and have a fulltime job i just dont understand it
are 20 days of freedom or however much they get a year really enough for people?

[Anonymous No.49578352]

>>49575042
If you spend your 20s saving up money you might hit 30 and feel you wasted it all not living but if you spend it partying you may feel you wasted it not saving

[Anonymous No.49578473]

>>49578352
it depends again, you have to know yourself which is my #1 rule in life
i never really regretted being along, saving, researching crypto, playing video games....to me that shit was amazing
then i had a long term gf i lived with for 3 years and it was anxiety inducing and not fun at all
i'm happier now alone
you just have to know yourself and what you want in life, and have a strategy
if you're a normalfag then by all means enjoy your 20s, move to new york, etc etc

[Anonymous No.49578486]

>>49574272
>but i cant really get those early 20s back
You traded in 3 years to build (hopefully) the foundations of a better LIFETIME.

You really don't want to get to 35 and realise you have nothing of real value.
I'm seeing my friends fall into 2 trajectories, and it's hard to watch.
30 somethings with a family, home, careers and aspirations for their lives.
30 somethings with no partner, no career, no home, stuck in debt and rental loops.

Gen Z are bombarded with social media showcasing the most exubraint 0.01% of youth. Life (good life) exists beyond 20.
>t.boomer in his thirties having the best time of his life.

[Anonymous No.49578489]

>>49578352
It's easier to party if you have money

[Anonymous No.49578499]

>>49574272
It's priceless. You can never buy another second of it or buy back any that have gone buy. Remember that this morning as you start selling of another week, wagies.

[Anonymous No.49578645]

>>49574272
>should i start burning cash and enjoying life

False dichotomy

[Anonymous No.49579081]

>>49574318
had over 1m at ath now below 200k.
in 20s should I kill myself?

[Anonymous No.49579310]

>>49574272
If you hate life, and it suck, it feels much much longer

[Anonymous No.49579351]

>>49574555
disgusting. imagine the fatness after the nigger hits 30

[Anonymous No.49579426]

>>49574272
30 isn't that old stop being a bitch and life gets spicy and interesting in your 30s. 44+ is when you can be start being a pussy

[Anonymous No.49579445]

>>49574456
>Sell everything, buy a ticket to tropical island.
Most i can get by selling everything is probably two big macs and a medium coke

[Anonymous No.49579454]

>>49579351

[Anonymous No.49579526]

>>49574456
Is this really feasible

[Anonymous No.49579545]

>>49579454
yeah, bong women ar disgusting creatures . they are the sheboons of the white race. only japanese whamen age with some dignity

[Anonymous No.49579586]

>>49574272
>but i cant really get those early 20s back
What's that? Drinking and having sex? You could've done it even by just slighty being less frugal. I'm pretty sure you wouldn't be able to do that like many others, but now at least you have some chash.
>I even avoided dating the last 3 years because fear
Mostly just some excuse for some underlying anxiety of failure.

[Anonymous No.49579655]

>>49579454
ageing was a mistake

[Anonymous No.49579657]

>>49579454

what kind of trolling is this, the asian girl has the most blatantly obvious iphone filter on her recent picture, zero texture on that skin whatsoever

[Anonymous No.49579673]

>>49578200
>1k/month for 150k decent quality property
I earn 3k/month, and an absolute shitshack property is 1.25 mil.
There are houses where the owners literally just had a driveby shooting happen on them and that's why they are leaving that are selling for over a million.

[Anonymous No.49580050]

>>49575244
Lol these are all scams for people with too much money. Have you ever heard of Theranos? Also those iv therapies only make you feel good because you've got a bunch of saline making you hydrated

[Anonymous No.49580789]

>>49574272
No one can tell you how to balance your life for yourself
Meditate more my fren
This will slow it all down

[Anonymous No.49581039]

>>49579081
im in exactly the same position but i have decided to not kill myself. It's been a crazy ride for what it's worth.

[Anonymous No.49581169]

It's your life Anon, live it as you wish with zero regrets.
My regret has been cancelled as Syscon has come quite low and given another chance. So, nothing's stopping you, Soldier.

[Anonymous No.49581442]

>>49578063
You do not belong here. Go.

[Anonymous No.49581507]

>>49578063
A power imbalance is a good thing. Equality is a brain-rotting concept and you’ve been literally had your growth retarded.

[Anonymous No.49581602]

>>49574411
Make out time and have some fun. Buy some good gems like LOX, REEF, and BNB and stake them for passive income, connect with friends and stay comfy. You are a true chad

[Anonymous No.49581637]

>>49581039
hang in there bro, you will make it we both know it. In the meantime do something else besides chan and charts.

[Anonymous No.49581756]

>>49574290
fpbp
sick of these stupid fucking humblebrag threads

[Anonymous No.49581779]

>>49581756
>t. seething poorfag

[Anonymous No.49581952]

>>49574272
Anon, it does not have to be that black and white. You can enjoy life, and you can be more frugal than your peers. Keep saving, but allow you to get yourself something you want every now and then. Do not avoid a potentially good relationship because of fear. Although I do recommend dating people who are financially sound.

Wish you the best anon.

[Anonymous No.49581988]

>>49579351
chances are she's like 35
black women age well in general.

[Anonymous No.49582388]

>>49574272
> should i start burning cash and enjoying life
You should allow yourself to spend some cash to continue doing the things you enjoy and to try new things, while keeping a couple months worth of buffer aside for emergencies

[Anonymous No.49582833]

>>49581602
>REEF
holy fucking cope

[Anonymous No.49583202]

>>49574272
It's entirely subjective, but it's the way it goes. Most people have to work for financial independence and that requires sacrifice. On the flip side, as a 30 something year old millennial who was not financially savvy in my 20's, I really regret it. Yes, I had some good times, but I'm paying for it now. No, I'm no destitute and broke, yes I have solid investments, but if I had just focused on school, gotten a good job, been more frugal and invested better, I'd likely have closer to 7 figures right now instead of mid 6 figures. Again, who knows, there's pros and cons to each situation.