Almost 30

>almost 30
>no equity
>10k+ debt
>still an undergrad
>literally waiting for a dead person's money before entering the market
>will probably lose it all
Who here /totalfuckingloser/? Were any of you able to turn it around financially?

pls respond

live & learn motherfucker.

notice your mistakes and attempt to improve on them. doesn't matter if you're 13, 30, or 80.

improve what you can, optimize your approach, work hard. the worrying and confirmation that you're "not a loser" means nothing. reality is moldable, and for the most part logical. get on it

I was 30 and still a loser. I am turning it around financially though.

I'm 30 years old and completed my bachelor'a degree in 2016. We're all gonna make it bro.

try r9k

not total but getting there

>30
>went to school for a job that is now dead
>so went into the trades
>my country elected communist and liberals who hate the trades
>laid off
>have 20k in the bank, another 20 in stocks, but have 36k in student loans
>net total at age 30- $4000

so now im going back to school for accounting, god i love CANADA!

They banned me for losing my virginity.

I'm 25 have engineering degree, and engineering job, 80k in stocks and 20k in bank.

Should probably invest another 10k

>went to school for a job that is now dead

Did you study petroleum engineering?

Also, I don't like Turdo and the Liberals either but how in the fuck did they cost you your job in the trades?

Sound like me except I already have a (useless) undergrad degree. But 50k debt lol. Literally no idea what to do.

not for long, faggot.

I thought I was doing well at 24 with $40k in savings and $30k in the bank. But every now and then I feel like Im not doign well at all when I see posts here. idk man everyones ahead of someone and everyones behind

Don't compare yourself to people here, compare yourself to your family and the people you went to school with - it's a more satisfying feeling of success if you're ahead (because of the proximity) or extra motivation/depression if you're not.

He's probably just bitter and is a shitty worker.

?

Off topic but its crazy that this actually happens to real people now.

Like they said, don't let your memes be dreams...

34
Shit job, to show I am working to get another job
No debts
21k in equity
Found a good strategy for trading just scared of black swans and institutional investors bailing if they see no growth this year.
Aiming to make 80 w my stray this year

Forgot to add, planning on grad school this yr. To op, have a dream, get a strategy, do it and smell the roses (women,life).

40k debt(OSAP) , one useless meme certificate that i only got bc.

>Son go to college or u kicked out.

Dropped out of two courses after that.

23 -40000 net worth, no job.

Getting off r9k and reading here was definitely a good step been getting nothing but ideas.

>However crippling weed addiction and suicidal thoughts are keeping me paralyzed

>crippling weed addiction

Theres your problem. Weed can be okay, but very rarely do you ever see a pothead living up to their potential.

I'm in the same situation. Been a neet for a year now. What should I do?

Yup, I'd be able to quit if both my dad and brother didnt smoke up daily tempting me.

Not to mention i am broke so i can't escape the cycle...

Though i technically have not smoked weed in 2017 seeing as I have 9$ to my name...

>dad kicks you out
>he is a degenerate pothead
great father figure u have there user

The benefits of being a (half) nigger.

>Dad was never around as he worked two min wage jobs to feed us.

>Mom is a bi-polar woman who told me i needed to stop gaming all day n do drugs n fuck girls.

>Went from NEET to a rave drug dealer made thousands, went from a gram a week to 2 ounces a week (personally smoked)

>Psych warded soon after when I decided I didn't need to sleep because I was god.

>When i finally got off the meds after getting out I realized how shit my life had become and just started K-Holing everyday.

>Kicked out because drugs are bad, move to pops.

>Pops says go to school or kick too.

Legit have no idea what to do with my life at this point, I just want to be on my own in peace...

>Rarely do you see a pothead living up to their potential
True, the exceptions seem to be potheads who are also cardio freaks. I don't think it's the pot that fucks the majority of people over, but the fact that they don't move enough.

Hard work doesn't guarantee success but it improves its chances.

I am 30 now and things are better but did not have it easy.

At 18 I didnt take the SAT or ACT for college (US here). I didnt know what I wanted to do with my life and thus waste money going to an expensive college figuring it out.

2004: 18yrs old: went to community college and worked at the local mall part time. (living with parents)
2008: 22yrs old still working at mall (full-time now) transfer to local university for Finance (Begin of recession)
2009: Get unpaid and happy to have it internship with small family owned financial firm
2011: 25yrs old graduate with Finance degree. Economy still shaky so no job with finance firm.
2012: 26yrs old get switched to part time at mall due to still bad economy. I get a 2nd part time job at car wash.
2013: 27yrs old and after over 200 relevant and qualified job applications a contract house calls and offers me a job at a fortune 500 company in manufacturing Finance. I also begin graduate school for MBA (luckily paid for by employer). I also buy (mortgage) a very modest house in a good part of town for 145k
2015: 29yrs old get offered direct hire position with company.
2016: 30yrs old finish MBA and begin looking for opportunities with other companies since most do not promote after degree obtained.

Income
2004: $5,300
2005: $9,900
2006: $21,500
2007: $21,600
2008: $23,500
2009: $26,800
2010: $29,200
2011: $29,200
2012: $20,200
2013: $38,400
2014: $51,600
2015: $60,700
2016: $65,000

30k in retirement savings, almost no regular savings but zero non mortgage debt.

The path is not easy and can seem hopeless at times especially when you are watching so many around you seemingly having it so easy. Hang in there fellas.

Definitely wish I had done and just worked instead of digging a debt hole for myself sounds like you're quite stabalized now congrats

Same here but i didn't fall for the college debt meme.

I hate college tbqh. Don't even like cs.

>30,000 in debt
>currently making 40,000 a year after taxes

You're ok, OP.

If you are like me at all then you have witnessed the following..

Your unqualified peers land sweet jobs through either luck or nepotism (inside connections).

Friends quit one job for stupid reasons and easily land a new better one.

People doing the same or similar job you have but getting paid more.

People who are educationally and experience deficient for their position yet have the gift of gab. They are pros are small useless speak with higher ups. I had to learn the hard way that these are people who will rise the income ladder. Those who work 12-14 hours a day will always have a job but will always be given more work. The guy/gal who is a smooth BS talker... (Example: How was your weekend, did you see that ball game, the weather is crazy. etc etc.) will get that promotion first.

The best thing you can do is learn a skill that no one else has in your company. Be the expert at something and at least they will feel compelled to keep you.

OP, keep in mind that all of your peers irl and on social media only show to you their best sides. Everyone wants to project this image that they are doing well and are ballers, but they are all struggling in their own ways as well. Don't get discouraged.

Your dissapoinent stems from a belief that life is a meritocracy. Working life espetially is not - its all about selling yourself, negotiating, and doing the bare minimum, but presenting it well (cause noone will waste their time for free doing it right).

>1st job at grocery store
>noticed how easily money could go after working like a dog to earn it.. one trip to mechanic costing 2 weeks pay etc.
>living at home
>quit first job, get a slightly better one in a factory
>stop buying shit at convenience stores and pack my own lunch
>save 20k pretty quickly
>work night shift with people who didn't live such sheltered lives as me
>they slowly corrupt me
>we all get laid off
>party hard with drugs
>keep it together for a while but finally shit starts to fall apart because, out of desperation to keep it going, I try to get into the drug trade and my partner fucks me hard
I'm 29 now and life is weird

I've been at a pizza shop for 3 years. Owner just offered for me to either buy in as partner or buy the business but I think he's trying to take advantage of the fact that I've never had an opportunity like this. Not even sure. 100k to buy his business (where he rents the building, which ought to be condemned btw) seems crazy when the startup for a pizza shop can't be that much and his brand isn't even that good. I don't fucking know. I have a savings account I occasionally put $5 into, otherwise I am just constantly trying to improve myself and break out of the cycles that have formed over the past decade, oh and I send around $1500 a month to my mistress while I drive a busted up car

Other than that, my dealer says if I know anyone looking for 500lbs of purp then we could make some good bank but shit. I'm not really sure what to do right now. Part of me wants to tell my mistress no more but then I wonder if I'm only doing so well because I have to support her?

>However crippling weed addiction

Don't let yourself be crippled by smoking weed everyday, instead only smoke it when it's dark, it'll make it much easier to accomplish way more.
.
.
.

Source: I'm a full time ((night)) smoker and at 25 I got my condo while working a sweet sweet sales job w/ multiple advantages including but not limited to company car for personal use, CC, cellphone, multiple ''team-bonding'' activities across the country.

Just dont give in to the urge to smoke in the day and you'll make it.

This desu, first step to end weed addiction is to limit it to night.

Once it's a habit to do it at night, start taking long breaks.

Eventually one of those breaks won't end

It's only hard to quit if you have access to weed.

I used to smoke every night ritually. One day I got caught by the police, they gave me a $300 fine and confiscated my pipe.
I contacted the guy I buy from who also grows and he didn't have any left.
I simply didn't have access to weed, and before I knew it, 2 days had gone by before I remembered that I haven't smoked weed in that time.
I was amazed, no withdrawal symptoms or anything, not even depression.
All it takes is not having access to it.

Might be hard if you live somewhere like Colorado or Washington where you can just buy it in a store, but this is just my experience.

>mistress
is that like a g/f
?
or some sort of dominatrix situation
?

Either way he's a cuck

she took my v 8 years ago

she was actually the reason I started trying to get into the drug trade

I'd buy drugs to do with her, and I'd buy bulk deals in order to try to get the lowest price per weight and try to flip it

haven't even seen her face in over 2 years now and I just send her everything, twice a month makes her happy

I'm scared to stop

>I send around $1500 a month to my mistress
fucking why?

why the fuck are you sending her money, you dumb fuck?

>haven't even seen her face in over 2 years now and I just send her everything, twice a month makes her happy
FAG

stop sending her money

These seem like great suggestions, i am completely broke and havent smoked weed for 2 days now and I started working out again today!

Bit by bit, getting off r9k and reading here is helping quite a bit thanks for the wonderful advice you two I will attempt to heed it over the next days and keep sober during the days!

she says she needs surgery for cancer

I'm pretty sure it's bullshit, and even if it isn't, it's not like she's just going to finally have surgery and then she'll be healthy and we'll be together, right? But I feel like if I stop supporting her, then I will stop making progress because I will not have that purpose in life. I'm doing better than ever and it just seems to work, but then times like this when I wish I had something to show for working 24/7 make me second guess it all

>havent smoked weed for 2 days now

Do you have any issues with withdrawals? Like I said, I haven't had any and it took literally zero effort for me to quit but everyone is different.

>she says she needs surgery for cancer

stop sending her money, you fucking idiot. just let the dumb bitch die if she has cancer. if you need a goal and since women seem to motivate you so much you're better off blowing that money on escorts.

>if I stop supporting her, then I will stop making progress

Wha? That's fucking ridiculous. What exactly do you define as progress?

>because I will not have that purpose in life

Your purpose in life is to give money to a woman that you're not even in a relationship with? That's sad.
Make it your purpose in life to get rich, not get some slut rich. There, I found you a purpose, now stop sending money to her, you sack of shit.

Thanks. I'm not really trying to argue otherwise, more like I'm here so you will tell me what I already know and maybe I will finally stop.

I've been neglecting a lot of my life hoping that if I give more and more something will happen. Refusing to replace the window on my truck, being more thrifty in general. Started making more money, learned to cut more costs. She said she should have enough money by this November but when November came we never talked about it and at this point my heart isn't in it anymore anyways. Back when she said that I was only sending a few hundred per month, before getting promoted at work etc. etc. Now that it's past November, after I've started sending way more, it's just too blatantly retarded and is quite clearly nothing more than a fetish relationship. Goodnight bros I gotta work early tomorrow.

>you're better off blowing that money on escorts.

This.

It's still a terrible waste of money but atleast you get some pussy out of it. Which that girl doesn't even give you

>Make it your purpose in life to get rich, not get some slut rich. There, I found you a purpose, now stop sending money to her, you sack of shit.
I mean, I've gone from living not just paycheck to paycheck, I was once living fukken $20 leaf raking job to $20 leaf raking job. Now I'm thinking about buying the pizza shop that I started at as a drug addicted delivery driver 3 years ago. I've made progress. I never thought I could be in management but now I delegate tasks like a motherfucker and I'm doing just fine in community college while working 80 hours a week plus my side income. Progress is progress But then makes an excellent point.

with the money you give her a month, you could be leasing a new car. instead you're driving around in a truck with a garbage bag for a window.

you haven't seen her in 2 years?

this is the most beta shit ive seen on this site in many many years.

>rarely do you ever see a pothead living up to their potential

Holy fucking shit. I can't argue with that.

oops I quoted the wrong part of your comment

>this is the most beta shit ive seen on this site in many many years.
Thanks, I've always tried to be the best at anything I do, even at getting cucked

Goodnight bros. Thanks for the banter. I'm cutting her off. I'm gonna save a couple paychecks and start my lawn business back up. Fuck this stupid pizza job and fuck this whore that stopped putting out. Say no to cocaine, the good connects never last and the bad connects aren't worth the nasal congestion. We're all gonna make it

I pray for the best of luck.

to further rub it in.

$300 x 24 months[minimum] = $7200

thats just a few grand away from owning a c5 vette. if you never gave her money, like every other dude doesn't, then you'd be driving around in this.

lawn maintenance owners can do very well. slanging illegals is a near guaranteed way to sit in jail. that is not a fucking career.

pls dude use your brain a little.

Yes i smoke poppers weed with tobacco. So the major withdrawls from tobacco are present.

I quit 5 months ago for 3 months before i started again so i know this feeling will go away but...

>At the moment its this constant feeling of just needing to inhale tobacco and feel the relaxing rush. I know it will do nothing but prolongate that shit feeling tho so imma buckle thru but tobacco withdrawl is very real if I wasn't broke i'd have already caved.

Weed does 't have withdrawls what i notice is when quitting weed there is a period of "weirdness" where im a bit more sensitive to all sound and shit cuz im usually baked and don't notice the world around me.

Aside from that just that "this would be more fun if i was high" is all u get

I was reading about financial domination the other day its a real thing but fantastic on you that you're cutting her off.

How a woman could conciously do that to you, they are sick twisted creatures...

>the r9k woman hate is coming out of me lol

found your problem you are fucking retarded.

cars are for wagecucks

>oh and I send around $1500 a month to my mistress

hahaha the shit I read on the internet

you are literal potato
>$1500 a month to mistress
>$1500
you could go on a nice vacation this summer if you just saved that shit instead and let that dumb cunt die

Lol, it's like reading my own future.

I'm about to graduate in geology and feel like I won't ever find a job in the field in Canada.

2017, 29 years old.

Electrical Engineering Degree.

Working as customer support in tech comapny.

$35k/yr, 40k debt

Only now starting my 401(k). It has maybe 1k.

I'm worried because, as an engineer, I've got ideas for products and projects I can work on to sell theoretically or generate revenue on the side, but my company for whatever reason has a blanket IP clause (yes, even for lowly customer support) and HR has been non-responsive regarding getting exceptions.

I'm also a hardware design engineer, which is not a skillset this company needs, so I can either go full-software...which all in all isn't terrible, but hardware is my passion.

I'm paying bills, putting food on the table, and all in all have a decent life so it's not hopeless, just not seeing what my options are forward.

>electrical engineering degree
>29 y/o
>35k/yr
is this normal? where do you live?

I'm 30, $120k in the bank, $85k / year, no debt. Is that good? Just wish I knew what to do with the money besides keep it in the bank. I tried crypto that was a disaster. I also don't want to work for other people for very much longer.

>is this normal?
More details:
Didn't graduate HS until 20 y/o.
Spent approx 6 years until BS (2 years Associate's, 0.5 year interim at shitty local University, then got accepted to a Top 10 ECE University as a transfer where I spent 3.5 years getting my BS)
Shitty GPA, I could detail all the extenuating circumstances in the world, but they'd just be excuses, fact remains I have a shitty GPA.

I'm also hearing the ECE job market is having problems, not with outsourcing, but just with older engineers refusing to retire.

35k/yr is because I'm underemployed working as tech support.

>Where do you live?
I was in Austin, now in Chicago.

>be 27
>graduated uni a few months ago
>worked at warehouse for a few years before that
>still live at home
>biggest expense recent years has been traveling
>still have ~$50k left
>no debt
>no job yet either (just finished a 4 month internship a few weeks back)
>going to convert ~1/3 of my money into stocks this year
>probably going to lose it all

I'm still going to risk it. I really don't want to die poor in this country, I want to be able to give myself and my family a good life.

Oh its this kind of thread eh

>29
>never had any serious education
>shitty security job but it pays ok for the effort i put in
>no debt
>5.5 BTC in 'savings' and growing each month
>no gf or wife or kids so barely any expenses

almost the exact same boat im about to be in
>21 y/o, transferring into an EE program
>gpa is shit (like almost 3.0)
>by the time i transfer in the fall ill have been at CC for 3 years
then i either stay instate which will take 2 years for a bachelors, or go internationally (the UK) for a masters in 4 years which i'm contemplating just because I can make that mistake

i have ~17k in the bank right now but if i decide to yolo and go internationally then i imagine at your age i'll be the same position

i don't have to go EE but that's what im leaning towards. advice? i'm not particularly more interested in EE than ME/AeroE

Find hot girlfriend with lots of money.
Problems solved

chicago is shit in terms of engineering employment opportunities.

>be me, turning 20 in a few months
>second year student at a very prestigious uni, doing a BSc in physics
>holding a solid D average because physics is way too hard for me
>still gonna torture my way through it ending up with an E average probably, just because it's only 3 semesters left and because I'm stubborn and I don't want to drop out, leaving me with nothing
>at least I've learned a lot of programming in my spare time

how fucked am I

I'm aware of that, but to explain why: Chicago was the difference for me between being on the loading docks at Walmart making $10/hr and being so tired after work that I physically cannot do anything else, and having a desk-job at a tech company making 35k/yr with a 401k.

Even if I'm underemployed and in a shitty job market for engineers, it was a significant standard of living upgrade, not to mention the monetary upgrade, as well as swelling CoL in Austin, I think I got out at a good time.

Thinking optimally, I think my best route will be eventually to go the route of making my own products to sell with low volume and low margin on something like Tindie until I have enough of a portfolio with experience to go back out into the job market or eventually just start my own sole-proprietorship for contracting.

It's a slow investment route, but I'm at least making some amount of progress.

I'm out here figuring it out myself, man.

That said, keep in mind the curriculum for an engineering transfer will be significantly more difficult than for an engineering freshman.

>E average

wut

Congratulations, I confer upon you and this post the highly esteemed "dumbest shit I've read on Veeky Forums ever" - award. You half-witted loggerhead.

In my country (and uni) the grading from best to worst is A-B-C-D-E-F, as is the standard in most of Europe I believe.

Is there any hope for us third world fags? Peru sucks.

>Wants to sell me a pizza shop for $100k

Does this place turn a profit without the owner being there?
Yes: Then why is the owner selling it?
No: You would be buying a job, not a business.

The vast majority of small businesses aren't worth anything because the owner is a critical worker in the operation.

Top fucking kek (read as kuk)

Just found out I have to wait 80 business days before having access to my capital. 80 business days of watching my tickers go green. I wouldn't wish this fate upon my worst enemy.

its better than riding the bus faggot

Rip my brother got me stoned today there goes te strak user was right about the access..

yeah, you can always blame the commies for prices of oil and minerals falling

>not running to work to improve mind and body as well as finances

...

I currently run the store and the owner just comes in to take the cash and nitpick a bit. He mostly works in the other location because there they have sit-down dining and he can network with the customers better

I don't know if it actually turns a profit tho