I’m a 29 year old American male
Working as a salesman full time
Working at Amazon Part time
Have Zero Debt (previously $450 in CC debt to buy my phone but it’s paid off now)
Have $29,500 invested in HYSA
$500 in normal checking account
Live with my sister in her condo.
Short term seems stable but I’m uncertain about the future and it honestly makes me kinda depressed.
Anyway how are you guys doing financially?
I have a seven figure net worth in my early 30s due to my boring corpo tech job but I'm still a debtslave (mortgage).
27
scot life science academic
10k lifetime ISA, 5k pension, 20k vanguard ISA, 15k other random investments, 5k in banks and savers and shit
I'm pretty cheerful in general so even if I keep losing money I reckon I'll be okay. is your sister single
lol how can you work 1.5 times every day if you are only one person
yourapoor
34 male
work at a publishing firm
450k in real estate
about 250k in liquid assets
not gonna lie I made a killing betting on the ruble in early 2022 and getting out fast once it recovered
Maybe amazon is on sunday. You wouldn't sell anything on a sunday.
For 29 your doing pretty gud. I'm 15 years ahead of you and I was where you were at back then. 2008 was rough but looking back it was the best thing that happened. I was able to finally afford a house because of the crash. Now I'm well capitalized and in the top 15% in assets going for top 10%. Nothing special, just good at controlling my expenses. Stay the course and make good financial decisions and wait for your chance when markets crash.
SEVERELY AUTISTIC CAN’T HOLD A JOB 26 YEARS OLD LOST $20K AFTER VIOLATING A RESTRAINING HARDER BY BEING A HARDCORE SIMP FOR A GIRL WHO ALREADY HAS A BOYFRIEND ONLY HAVE ANOTHER $20K LEFT VERY SUICIDAL
That's exactly what I wanted to do, but it recovered faster than I could even imagine. I blinked and it was over.
33 leaf
software dev
been in crypto since 2017
45k cash in high yield, but about 10-20k will probably be going to taxes
355k retirement accounts
330k crypto
675k net worth (about 464k USD)
no debt
1700/mo rent, paid off car.
need about 1.2m for 4% to cover my current cost of living, so that's my target.
net worth peaked at about 959k in december.
my plan was to retire in the next 4-5 years, maybe sooner if crypto pumped as it usually does.
i don't really feel scared yet, so i think that means we have more to fall. i plan to scoop up more BTC and VFV.
If you are in the US, you are about to get fucked raw. Major changes are happening, and you will bear most of the weigth. Prepare for your planned destruction. It is over
no house
oof.
retire
good one, we're never gonna retire
I’ll never understand how stupid you have to be to believe this, other countries that are reliant on America will die, America will prosper.
Non-Americans (third worlders) are in trouble once tariffs are in place.
no house
it's about 750k for an average house around my area. I don't think it makes sense to get a 25yr mortgage for 3-4k/month (nearly my entire after-tax pay cheque) to own, or to put down a fat 300k down payment to get the payment down to 2300/mo when I can just rent for 1700 in a rent controlled apartment that only increases at 2%/year and invest the difference.
good one, we're never gonna retire
It's not ideal but I'm already around the point where I could quit my job and hop around SEA and live somewhat comfortably without having to work.
loser all that cash in the jews pocket while you smugly rot
ok
Making a solid 300k mo at 30 years and sport a good old fashioned 8 inch chub to boot. Goml chud nuggets.
crypto since 2017 and still not a millionaire
Fucking how, you put 10k in bitcoin every year between then and now and you’re basically there
27
Freshly out of college
landed amazing job I loved
got fired last week due to budget constraints
sending resumes everywhere
amazon replied today telling me to it’s they are not hiring me
3 months worth of savings
If I have to choose between going back to my folks and killing myself im killing myself
This is prime MAGAbrainrot. You talk about "third worlders". Well let's talk about the main ones. Russia is sanctioned to oblivion and is a fully functioning economy in mild warfare mode and winning. Doesn't give a single fuck about "muh tariffs". India's stockmarket didn't even shake. Brazil's main commerce partner is China, they are the main food exporters to China, look it up. Brazil feeds China. And they have already stated they will not retaliate any of your ridiculous, nonsensical GPT made "tariffs"
You can bully Cambodia, Fiji and literal penguin islands as much as you want.
No "factory jobs" will come back to America. You produce nothing but faggotry and heavily subsidized food with your freshly printed dollars created out of thin air. Your population is extremely obese and spoiled, unsuited for hard labor. China is developing at light speed while you worry about trannies and George Floyd.
Your industrial output is fake. For instance, you take a water pump completely made in China and print a cheap box, a single page black and white "manual", wrap it up and call it "Made in America"
You have completely alienated all your vassal states like the Eurotrash and the Japaweirdoes
Your average lardbucket diabetic population has a verifiable 6th grade reading level and this is a generational problem that will take at least 2 decades to fix.
But there you go MAGA against Bangladesh, Bermuda, Haiti and Sierra Leone.
Your working class will be obliterated in the next four years. There will be none of you left. It has already begun
I'm surprisingly calm considering I roundtripped 7 figs. Lots of normies would try to dunk on me, but I know they'd be trying to genuinely an hero if they ever had to face this sort of psychological pressure.
To me this recent calmness is further confirmation that I actually have what it takes to go the distance.
He's going the distance.
He's going for sneed.
He's all alone (all alone!) in his time of need...
holding up
$55k in PMs
Yeah I'm good
Because he's racing and pacing and plotting the course
He's fighting and biting and riding on his horse
He's going the distance
Ahhh aaahhhaaa
It's easy to look at BTC in hindsight going up 10x or 50x or whatever and think you should have just gone all in.
In reality, at the time it was hard to believe BTC was going to still be the best with everything else. I messed with ETH, alts, ICOs, shitcoins, etc. ICX fucked me up.
Riding a crypto portfolio up to 700k, then back down to 35k, it's hard to justify throwing more money into it, no matter where it is.
When you're up you think
shit I'm already overallocated in this asset class, why would I put more into it?
When you're down you think
shit it's gone so far down, will it ever recover? Am I just throwing good money after bad
Then you think about how you have 50k RRSP contribution room and 40k TFSA room that you haven't used, and you only really have 10-15k/year you can set aside for investments, so you fall for the diversification meme and try to max those out instead of all-in BTC since hey if BTC does ever go to 0 or replaced you don't want to be completely fucked.
Anyway, that's my cope and I'm sticking to it.
back to pol you go
Work pay day to pay day, basic job making $13 an hour. 50 in savings, no real spending money. Could have had it all, twice. Didn't have money to fund something that could have never worked out. Now everything i touched since 2021 just dies or doesn't jump high enough to be useful. Bitcoin must be great if you have money, but $100 in it is kinda worthless.
he's welcome. you otoh have to go back to plebbit
it's about 750k for an average house around my area
Same here in the Northeast, the taxes alone will eat my asshole alive. Since my parents bought very cheaply.
hop around SEA
extremely bad idea anon, i am third gen and they (the ordinary people) dont like "americans" moving and retiring there, its their rules, laws customs etc. You will always be a outsider, dont fall for it. You will need at least 1 local bff/bro to manage life. Trust me a lot of people are poor and fed up with outsiders coming into these poor countries....its gotten super trendy and more people are irk about it. I know Canada is a shithole, but lots of previous tourists/sexpats ruin it.
Just graduated from college and the job market in my field is abysmal dogshit right now. I’m working gig jobs to get by and help my family, I’m heavily considering just pawning my valuables and expatriating from this shithole to a country that doesn’t have a retarded subhuman with their hands at the throat of my country’s prosperity.
extremely bad idea anon, i am third gen and they (the ordinary people) dont like "americans" moving and retiring there, its their rules, laws customs etc. You will always be a outsider, dont fall for it. You will need at least 1 local bff/bro to manage life. Trust me a lot of people are poor and fed up with outsiders coming into these poor countries....its gotten super trendy and more people are irk about it. I know Canada is a shithole, but lots of previous tourists/sexpats ruin it.
Yeah I get I'll be an outsider, and I hear locals are fed up in every poor country that caters somewhat to english/americans nowadays, and I get it, I don't want immigrants coming to my country either, especially when they fuck up the local economy with their money, but at the same time we have to deal the cards we're dealt. It's not ideal but there's a point when the benefits of moving to a lower cost of living country outweighs the drawbacks of staying here and waging for another 20 years as we get more chinese and indians coming in, pumping up rent by living 10 people to a room, buying property by pooling 3 families together, and getting easy work visas through diploma mills.
I'm basically you but worse off. Every day I beg God to kill me
38
$670k property
$300k debt
$250k crypto
Full time job
Life sucks and im depressed all the time.
Did your sister ever get stuck in the apartment dryer, bent over with short shorts on that could easily be pulled to the side? I don't have a sister but I saw that in a movie once.
As for me, in my past, bittersweet, there's no love between the sheets. Taste the blood, broken dreams, lonely times in deed
With eyes cast down, fixed upon the ground, with eyes cast down
I'll keep my eyes fixed on the sun.
Walk around the corner, never saw it coming, still
I try to make a move it almost stopped me from belief
I don't want to know the future, I'm like Rolling Thunder
Even on a cloudy day
I'll keep my eyes fixed on the sun
You sound fine to me, OP.
I'm down over $700k from my ATH less than 6 months ago. I still plan to quit my job in 8 weeks so I can live in Thailand for a while. I already applied for a DTV visa.
I have 7 figure NW and a big mortgage too. Is it really debt slavery if we can pay it off at any time? With a 2.75% interest rate, I'd rather not.
aside from retirement accounts i have 100k and cant decide if i should spend 50k-70k on land i will build my forever home on or go all in on stocks right now
Tech slave. Had maybe $350k, down to $280 over the past four days. No end in sight. Fuck it, line go down.
look through your home and tell me 10 non-food things that were american made lmao
Theres literally nothing in the avg middle income family home in the US/EU that isn't 90% chinese
mid 20s europoor
live with parents so 0 expenses
been working since I finished college (8h day, 1 (uno) job)
paid above national average
since I have no expenses I'm gonna hit a net worth of 100k € this year in cash alone, most of it invested conservatively
own 2 pretty nice used cars I struck really good bargains for
my parents' inheritance includes 2 properties and multiple pieces of land
life is fucking good
early 20s
still in uni
studying compsci
dad pays my rent and sends me 500 euros a month (western europe so it doesn't go so far)
200 euros gibs from the government
very comfy ngl, got some remote work lined up I can do during my studies so I can stop parasitemaxxing soon
come on anon, that's just not true
id do your job you sack of potatoes
i have rich parents so i’ll be fine, worried about those dirt poor republican idiots who voted for him (not)
sorry dude that sounds rough :(