25+ life general

I'm 22 btw

I got myself out of it but was max out credit card, living pay check to pay check and making $13 / hour as a security guard

$13 an hour isn't bad at all.

>looking for new jobs on Glassdoor
>Know your worth calc says I'm overpaid

Apparently I've wasted the last ten years working

its bad if you're old

i'm 32 and only making like $22/hour and it's pathetic compared to most of my friends of similar age who all own homes and new cars and have nice lives, meanwhile I'm renting a 1 bedroom apartment in the bad part of town. I couldn't imagine making $13 while living alone.

How is $22 an hour pathetic? Do you not save your money?

It's bad lad. I make 12 and basically cannot get a mortgage. I have saved up 100k and the bank will only match what I have. 200k homes where I live is bottom of the barrel ghetto

What did you study?

M8, where do you live might I ask? A 200K home where I live is massive.

Yep.
>34
>have bachelors in fine art because follow your dream meme
>now security guard (it's comfy but doesn't pay very well)
>about 8k left on student loan
>drive rusted out '03 toyota echo
>rent because houses are stupid expensive (minimum 350k for a detached)
>gamble on crypto and weed stocks because safer investments barely keep up with inflation

Let the good times roll.

I live in southern florida

You're still better off than most of the world

Don't do that

Web developers earn like 20k in the UK

20K is good money

Not six figures entry level though is it

living alone is expensive
$22/hour is about $44k/year gross, before tax

some of my bills per month:
>rent $850
>car insurance $150
>gasoline $100
>food $200-250 (cook at home, never eat out)
>internet $70
>cellphone $45
>electricity $50
>gym membership $40
>medical insurance $100
=$1630 approximately * 12 = ~$19,560/year

and thats just bare bones, doesn't account for any social or leisure expenses, and of course there's always unexpected expenses throughout the year, car repairs, home repairs, saving towards a vacation (rarely take one though), periodically buy new clothes once or twice a year, etc. after taxes are deducted off paychecks it doesn't leave a lot leftover or make it easy to save up towards buying a home for example.

I'll admit it could be worse but it's certainly not great and I say that as someone that's already extremely frugal. I have almost no vices, I don't drink, don't smoke, don't buy any collectibles, don't buy new tech gadgets/cellphones, don't buy clothes very often, I basically waste no money ever on anything I don't absolutely need.

27
~70k a year
Special Operations in military
Travel the world and make per diem while doing it
65k surplus in bank account
No debts
Recently dumped all girlfriends in each country I've been to change my life around
Life is great

You can easily save money. C'mon man.

of course i save a little, just not a lot to change my life

i end up saving a couple thousand a year usually, if i keep at it i might have a deposit for a small house by the time I'm 45 or so, then i will be able to pay the mortgage until i'm dead, should be great, lots to look forward to!

Just keep renting. Jerk off to porn and enjoy life.

hope u make it user

What can you do to increase your profitability? What industry do you work in?

Easy muh faggotnigger, A) learn a trade at community college. Or B) go into sales. Sales takes balls. Grow balls.

I know a dumb slut with a sub 80 IQ who makes six figures walking dogs for rich people. If you're poor you are dumb or lazy. Sad but true, faggotnigger.

>24
>in crypto since June '17
>pretty much only 2x'd my $ value
>started an internship for $750/month

To rope or not to rope?

>military

Literally the biggest loser in this thread, thanks for making me feel better man. Doing God’s work.

>30 years old
>80k in debt
>depression and anxiety
>no friends or gf
>portfolio is down 12%

Did you just give out 90 pct of your private key?

>24
>in crypto since June '17
>pretty much only 2x'd my $ value
>started an internship for $750/month
>robbed by Veeky Forums

datass

like I said earlier, no education beyond high school

ended up doing manual labor all my life, worked in various manufacturing/processing factories, did some industrial painting, construction (framing/drywall), stuff in that realm, never anything customer service related. I do decently well at these jobs, tend to move up to lead hand/supervisor positions, but that's about as high as I get, and through a series of bad luck (companies going bankrupt or losing contracts) have been laid off from most of these jobs after about 3-5 years.

I dunno, probably have undiagnosed mental problems, think I self-sabotage myself or beat myself down mentally (tell myself I can't do any better, etc.) and accept failure/defeat telling myself "this is as good as it gets".

There was a time where I thought I'd do more with my life but each year that goes by where I haven't improved my situation I end up feeling worse about it and fall further into despair. Despite all that though I still feel decently happy about half the time, guess I'm able to block out the bad thoughts when necessary.

>weed stocks
do you mean you sell w33d?

What the fuck is with all these web development guys stating they earn 100k starting. I can hire a team of pajeets to do it. In 5 years that shit will be so fucking automated anyways these 100k web devs back on social welfare anyways. Automation will end most careers. The only ones with a guaranteed future are those who can maintain and develop AI/ML , absolute pioneers in thier field or those with capital who invest in the aforementioned. Y'all fucking delusional.

Couple things.
You can get a better phone deal than $45 bucks a month. You can probably cheap out your internet too but that's at your own risk obviously. Only you know if you can reduce electrical costs.
You work in manual labor. Invest in some basic free weights and ditch the gym membership.

Beyond that, you need to find a construction or labor related job wit apprenticeships. 30's is not to late to increase your value. 40's is pushing it. Depending on where you're living and what end of the scale that rent is at, you might consider shopping around for a better deal there as well.

100 K SAVED UP?

THEN FUCKING MOVE

Nigger. Life is very short. There isn't enough time to make any money worthwhile

JUST

27 yo STEM degree cuck reporting in. $0 debt including car paid off. $110k salary + bonus, ESPP, and RSUs. $85k in the bank, $130k in stocks, $50k in crypto. About the rekt my shit though and buy a house.
>might not even be a millionaire by 30
fml why did I fall for this fucking meme degree I should have just put that tuition money in bitcoin. FUCK

>repaying student loans.

>29
>2 degrees
>150k/yr income
>student loans just paid off
>300k in assets/crypto
>cool friends
I still live like a student and have no gf though.
My goal is to become a millionaire and get with a really cool chick by the end of 2018.

What trade user?

Not fucked up, don't have any debt, have a large net worth 50K crypto, 250K in stocks, some money in the bank. But don't have a job and live at home, probably don't have much hope of getting a decent job.

$3k in crypto
29
make $2k/month self employed (net would be like $1300 a month)
work from home which is comfy as fuck
$20k student debt

uni was the biggest waste of time and money of my life.

>uni was the biggest waste of time and money of my life.

Qft

how to end it quickly

>his parents didn't pay for college.

Lol you'll never make it. Plus it's extremely easy to graduate with zero debt or very little. I bet you didn't apply for any aid, scholarships, and probably went out of state and lived in a dorm. Your fault faggot.

Just save up to buy a food truck. Its 800k per year here in LA. My parents own 3 so they could afford to let their autistic kid to loose a lot of money in crypto.

>about to graduate from uni with CIS major
>0 debt
feels good anons

I'm gonna turn 22 this year and going to comp sci college, already learning a lot on my own in c#, python, java and now some C++ also.

I start in about 8 months, but I still live with mom, wagecuck currently, college is free since I'm from EU comfy country, but feel like the biggest failure/loser for being this old and going to college, while my friends are getting out. I know I'm going to work harder than these 18 year old spoiled kids with zero life experience, but still.. fucking sucks.

It's not even that I have to battle with depression due to circumstances, but knowing so many people had bigger expectations of me and me myself was a very bright 16 year old likeable guy.. fuck sake, I want to disappear sometimes.

but then I read about guys like OP and it makes me feel alright actually. sorry OP, at least you make me feel better.

>extremely frugal
From that list you can live a lot 'fruglier' if you really really wanted user.

What MOS user? Currently military as well, (23 and infantry).

I hear helium is a painless suicide.

nigga, it took me 7 years to complete my cs major, mostly due to being a part time student for quite some time and having to retake courses. Chill, you're still very young.

>28 y/o
>25k debt for shekel U still
>learned to drive an 18 wheeler tho
>work in oil field
>75k a year
Driving a big rig is strangely satisfying. Some real great people out here. Money is pretty good too. Feelsprettyokman.png

26 yro
Spent years at Uni.

Managed to find contract roles for govt agencies and banks.

Contract roles finished naturally.

Now I have nothing. You know whats complete bs, people ask you what you do and you say unemployed or job searching, and you are immediately regarded as subhuman trash.

Then when you get some bullshit mundane temp job, they speak to you like you are a damn christmas tree.

People are bloody sheep and never learn anything.

>Faggot, I saved up about 15k in just half a year.
how do I get a job like you have?

im 32 and my life is a mess

>moved back in with parents because of depression
>lost all my friends in last cpl of years
>owe five figures in backtaxes even though I spent years outside of the country but didnt really understand the jew laws
>busted my ass last year to become a top performer in the company I work for. still make barely 50k a year
>crypto has destroyed all my remaining motivation to work

knock yourself out (pun intended)
I wouldn't mind being a big rig trucker one day. Just me and the road for days at a time.

You have a job?

I'm a convicted pedo, I don't think any of you could have it worse.
Fuck your normie lives with normie problems.

im a freelancefag and work from home
barely do an hour a day lately though as I have almost zero energy for anything these days

>27
>no debt
>working a pajeet job online for pennies
>hate my friends and cant relate or symphatize with people
>stuck in a relationship with a girl I cant be arsed to take care of
>just came back from her parents place where we watched the Beautiful Mind

When you’re 40 and gone through your fifth back or knee surgery and you can’t get outta bed without 2oxys and a shot of whaskey you’ll suddenly realize why Jews get into finance and why people do fancified college work
>unclog my fucking toilet you replaceable pleb worker

>40k student loan debt
HAHAHAHAHHAHAHAHAHAHHAHAHAHAHA

Sh0ta?

No, gurls. I always think to myself "at least I'm not gay".

>29
>Living comfy as fuck off the gains from my 100k portfolio.

>Whose shit is still fucked up?
Not really.
I have ZERO debt.

60k Networth.

I earn $200 bucks per weekday.
$20-100 bucks through crypto per week.
$50 unrealized gains per day (on average, plus increasing by 2% on average every month per deposit).

I am pretty comfy as fuck. I'll be getting a raise this week as well. I know I'll end up a millionaire at 35. I'll be using the power of LEVERAGE soon.

I am 26 right now.

Word of advice, University and college are a waste of time.

Better than nothing. Debt aside, what's keeping you from just committing to the work and winning?

>$50 unrealized gains per day
This is through stocks by the way.

-$70k networth here ($75k debt, $5k in crypto), no degree, dropped out of college, depressed since last 8 years, no friends, family or lovelife, outside of wagecucking spending most of the time sleeping or drinking myself to blackout
it can always be worse user

user I worked 10-12 hours days for months. I read dozens of books in my field and frankly Im one of the best in the industry in my country.
and all thats worth to my shitty client is 50k a year. I made more money just holding bitcoin (and then I lost it all again because BTC tanked). so Im not gonna fall for the "just work hard" meme again. if you work for other people you are getting fucked. and I cant be bothered to start my own business

10k Community college and making 22/hr. I feel like such a s fucking loser because I've been into crypto since like 2011.

>I cant be bothered to start my own business
calm down. no one here is harping on you except yourself.

I made my client millions last year and all I got was like 1500 bucks in bonus payments. we are talking literal MILLIONS. from pure numbers I beat every record in the last 20 years for that company and noone gives a shit, nobody even congratuled me for it.
DONT WORK FOR OTHER PEOPLE
and if you do, just put in minimum amount or you will get fucked, mark my words anons.

depends on your age, i was a late bloomer as well.

> 26, just finished master: 0$ salary, $-10k net worth
> 27, started working: $100k salary, $0 net worth after a few months of working
> 30 (now): $130k salary+bonus, $250k net worth (crypto gains)

lol thanks for serving as a goy guard.

>making 12hr
>wanting to buy a house

How about you fix your income problem first?

Most good non-labor jobs require a degree user so lay off the crack pipe and quit dishing shit advice.

rent $850
internet $70
cellphone $45
gym membership $40
food $200-250
is this really the cheapest? I am asking because i am not from burger land.

>owe five figures in backtaxes even though I spent years outside of the country but didnt really understand the jew laws
Explain? Which country?

How did you amass this much wealth already?

trustfund babby or at least upper middle class parents who paid for all his shit

that’s fine and all but not all of us are as lucky or have had the same opportunities

20 soon 21, no debt, two years ago college was giving small amounts of money for student research, I presented idea to research crypto. built first mining rig with that money, kept the rig and used it to build more rigs, paying my own college now and mining/trading crypto.
You should look out for research scholarships thats how I got started
sometimes they are basically free money

>gym membership $40
>food $200-250
>is this really the cheapest? I am asking b
That's pretty standard yeah. Maybe $700 rent cheapest...Internet $50 minimum. Othes are about as cheap as possible.

>same road except making 12/hr
hope that makes you feel better

>shit advice
>He has never read Rich Dad, Poor Dad

It's great advice actually.
Your gampa's time might have been a great idea to go to post-secondary education, but right now it's not. There is too much competition.
The best advice is, forget post-secondary. Start working. Start saving and reinvesting.
It's called the compound effect.

The better job you have through post-secondary education the worse you're taxed. Plus debt and there is ZERO guarantee you"ll get a job. Back in your dad's or grampa's days they only applied to 10 places and they got 1 job response.
These days you'll have to apply to 100's of places just to get an internship.

>Be Me
>25 years old Burger
>60k in student loan debt
>dropped out third year, no degree, not even associate's
>10k total debt from multiple credit cards. All not been paid for 6+ months and in collections
>Unemployed for 2 years+, full Neetdom, almost true Hikikomori
>politically Identify as "alt-right," or fascist. Listen to TRS/TDS/Alt-right youtube religiously 3-4 hours a day, and then stuff like Molymeme, Joe Rogan, Jordan Peterson or history podcasts rest of day
>Not left my house in 9 months straight
>zero income, zero wealth. Have watched Veeky Forums rise from the sidelines, knowing I missed all the gains.
>zero IRL friends
>only interaction with world is Veeky Forums, wizchan
>only play single player games, don't even have steam account, utterly anonymous. zero online presence. As if I don't exist.
>KHV
>zero family outside of mother and father, and a sister who hasn't talked to me in 6 years
>live in middle of nowhere, 10 miles from nearest town of 900 people
>No driver's license, have never driven
>5'6" (~169cm)
>310 Pounds (~140KG)
>zero exercise
>diet consists of frozen pizza and hot pockets
>zero alcohol, drugs
>shower about once a week
>never shave face or cut hair
>never trim nails
>never wear deodorant/use hygienic supplies
>brush my teeth about once every 10 days or so
>wear same cum-stained, shit-stained sweatpants, and 5xl t-shirt for up to a month at a time without washing
>no end in sight for any of this besides a schizophrenia diagnosis or suicide

Nigger investing isn't a magical science, people do it all the time and people also choose not to do it.

>The better job you have through post-secondary education the worse you're taxed. Plus debt and there is ZERO guarantee you"ll get a job. Back in your dad's or grampa's days they only applied to 10 places and they got 1 job response.
These days you'll have to apply to 100's of places just to get an internship.

Unemployment is the lowest it's been in a long time so yea quit giving shit advice. And choosing to not earn more because you'll be taxed more is the most retarded thing I've ever heard and it's quite obvious you don't even know how taxes work if you believe this shit.

Here's an example of good advice:

Don't go to college if you're going to not try and pick a shit degree out of state racking up stupid amounts of debt.

cool larp

should use those storytelling abilities to make it