>32
>Two degrees, MEng and Econometrics masters
>Work in medical device design & manufacturing. Stressful but I'm well compensated and I know my work counts
>Wife is a pharmacist
>Own my property
>Decent amount of money in 401k and ib accounts, might be financially independent in less than ten years
>Play money in crypto
What the fuck is wrong with this board? Does anybody here have their shit together?
dude go to the Jow Forums discord, theyre making money.
discord.me/xavier
>Working for someone else
>Thinks he has his shit together
discord is for children
I unironically know wageslaves in retail who have 8 children. You and your wife are sterile or something? Maybe get some tests from work or something? Haha
More or less
>STEM-Master
>First job is at government
>Decent social environment
>Hobbies
You are probably in the 1 percentile succes Bracket of Jow Forums. Half of us only Made money from the 2017 crypto market. Other half must be larping. Irl i know almost nobody that does not live paycheck to paycheck lol
No thanks
I'm fine with my job and if everything goes as I planned I'll be able to quit permanently soon enough. My wife might stay on for several years past that, afterwards she might manage a place part time
> 24 yo
> made close to 1MM playing online poker professionally for 4 years
> Got comfy apartment, 700k in stocks, 45k in crypto
> Now second year in college studying finance/BM in Northern Europe. Getting good grades. Will probably do my master in the US, Germany or the UK.
> Have lost a lot of my friends over the year because I've been so busy with studying/making money
> Bad sleep habbits, not fat but not fit either, eating less healthy than I would like to
I'm doing fine in terms of career/money (by my own standards) but I want to fix my health and social life.
Come from a family of eight kids funnily enough, not in a rush. My wife is younger than me
Thats pretty good man. This is my 2nd professional job, and I gotta tell you, no matter how good it is keep your exit strategy in mind. Shit might turn, and I want to be ready for it, hence the drive for financial independence
Any youngfags have questions then? I can provide some guidance
Maslows pyramid my man. Your base needs are secure so that you now feel you can move up to more abstract pursuits. Good on you for making the money, I've heard that online poker four years ago was already very competitive
I have this drive as well, otherwise I wouldn't risk money in this market
Yea it's very competitive at the top (I still play "part time"). I know I need to get my shit together.. I know it sounds pathetic/ like I have no willpower, but it's really hard for me to just do basic things like fixing my sleep, going out for a run every other day etc. A lot harder than studying/working all day. Thanks for the advice.
Also a yupie. Gf/wife is also getting her degreee. Have you and your wife talked about having kids ? Is she gonna leave her career for the children ? I find it to be a sticking point in my relationship
Same position as you OP. Am 32 and have about $400k invested plus emergency fund/house. Wife had shit ton of loans ($135k) but paid that off in 2 years. We put about $87k to retirement and hopefully more once home improvements are done.
There is no better motivator in life than fear, and when I was a kid there was point where I didn't know if I was going to eat that day. I made damn sure that won't ever happen again.
>27
>finishing up my PhD
>no debt
>PI is very well respected chemist internationally
>shit tons of connections
Not too worried about my future, I think I'm doing fine
>wife
>shit ton of loans
The girl I'm seeing now, doesn't have loans, but her family expects her to pay it back. I'm not quite sure of the number, but my estimates place it rather high. How do you deal with this?
If your wife ever gets pregnant make sure to get a paternity test
yes. I'm comfortable middle class. wife, 2 kids, homeowner, remote programming job, etc. still not financially independent though. I probably have a smaller crypto portfolio than a lot of the neets here, but its just play money to me.
>med student, finishing
>own car
>have enough liquidity to get 3 midclass apartment, one to live in, 2 to rent
>own machines with low liquidity but worth, and sellable for, 20 years of wages
>own biz worth 250k
>known as the hot jacked guy in whole uni
>happily married, wife also in medicine
>24
Don't own property yet because I can rent for insanely good money in the city where I study. (1/5th usual rent).
err, why I mentioned own car...
Most of the people around here don't really own cars at all, or own completely shitty second hand bought pieces of shit
I suppose I do
>32, single no kids, straight male
>Doctorate level education
>Independent contractor, 40-50 hours a week >Gross 400-500k a year depending on contracts
>No debt or mortgage
>350k liquid
>Nice apartment and electronics
>Not amerifat, workout
>Barely spending any money other than on gaymin and tendies
I think I have a pretty alright life. Next step I hope is permanent retirement in 10-15 years.
In progress
>25
>Graduating school in 2020 (Machine Tool Tech)
>May potentially go right back to study Mechatronics
>Projected to graduate toolmaker apprenticeship in 2021
I'm doing a lot better than I was 2-3 years ago. By the time I'm 30 I aim to be boomin it up
You gotta think whether you see yourself with her long term I guess. Both wife and I were on full ride scholarships, masters was partially paid in cash.
Thanks for the advice
Going in the right direction bro, as for financial independence seeing those numbers compound leading up to it is an amazing feeling. Hopefully no big hickups on the way
Europe? You're probably the youngest person in your class if you're in US
Why so much liquid? Put at least some of the money to work
Very nice
>23
>500k in investments, 100k in crypto
>own a business
>own a bmw
>Dope upper class condo almost paid off
>Masters degree in Finance
>9/10 gf
Feels good not being some scrub peasant, lol
What business are you running senpai?
Compared to people ITT not that well but:
>24
>Graduating this year MSc Finance >Target business school (Europe)
>Studied in NYC when I was 21
>Studying for CFA
>Shredded 10%bf 1120lbs lifting total and tanned
>Girls eyefucking daily
>100k stinky linkies
BUT
>30k debt
>No car nor an appartment
>No internships
>Shit social skills so unable to capitalize on girls eyefucking me
However compared to my peers in highschool I’m one of the most succesful so I don’t know how to feel.
I probably gotta let her go then. Having grown up in a relatively poor area, my life is going pretty swell. My stipend isn't a lot, but it's enough for me to live comfortably and save a little. She's from a well off family and is already getting depressed we don't "do things" and I have no clue what that means.
Yep, EU.
>own healthcare consulting biz
>worth about 450k
>wife, 4 kids, house
>34
OP life seems like the typical Normie making it but to me I know its hell. Its working all your time away while juggling kids lives. Literally cant stop to chill at all. Life is just 6am to 1am toil. And all u have to show for it is some concrete you think u own.
Well i get up most days at 11am. I work for myself with my wife about 4 hours. Totally undemanding work that i do oit of choice. I have 4m dollars in the bank from crypto.
Poor little wagie.
When I mntioned liquid, it's anything I can pull out any time. Most of that is total stock market indexed. I probably have an additional 40k in old defined benefits.
>24
>Study business informatics
>finish in 3 years
>can´t get pussy
>only fucked one girl abroad
>don´t university and all the people there
No fucking clue what I should do with my life when I finish uni. Maybe go abroad again. I am complaining on a very high level, but I just don´t have any motivation or drive at all. I need a girl. When I felt loved, I had way more energy
>>Shit social skills so unable to capitalize on girls eyefucking me
Ahahahahahahahahahah no one is eye fucking you. They are looking at how pathetic you are.
Hard to believe you even know what work is. I get to work by 9:30, put in my eight hours (99% of the time anyway), then go home.
There is a problem with mental work, which can either be a curse or a blessing - if you're working on a challenging issue your brain doesn't turn off once you're home. You're still thinking about work, thats the real downside. At the same time I know my work does help people so thats very rewarding to me. I guess thats why its not such a big deal to me to work for the man.
Before this I worked some hellish jobs for pocket money so I have a point of comparison. Excellent job on crypto though, how has it enriched your life so far? With a 4M dollar cushion a lot is possible.
>30
>own house in european city center
>mortage paid off
>no degrees
>1378€ on bank
>1 bitcoin
>NEET
Not sure. Not bad though but could be better
You know what you need, now go get it man. Put yourself in different situations, you can meet great women anywhere if you keep your filters off
>Shit social skills so unable to capitalize on girls eyefucking me
Not bad at all man. A lot of people in US are in debt, going to 0 for them would be an accomplishment already. With housing locked in you can be choosy for work to bring in the money
You’re right, thanks
Yeah, easier said than done for me. I went really hard for girls last winter. Like even got twenty rejections some nights in a club, but kept on pushing. The ending was: I was really depressed once I realized, I tried it for several months and just had a few makeouts and flakes form girls.
I better safe my time and money on this one while I am studying. I just don´t want to end up so depressed again. I read, that a man needs "a vision" or so. So I try to find an aim for me. Making a shitload of money isn´t one for me sadly.
Denmark, right?
you guys have pretty good deals on apartments there.
You gonna do masters in Finance?
t. Finland, finance student, wish I did math or cs instead
same here
What ia your job?
>35
>College dropout
>Never had a girlfriend (got laid with one fat chick on 3 occasions 15 years ago while hammered, cried after)
>Lost my one and only friend a year ago
>Been living in a car last 2 years
>$6500 in dept
> Lost $1.3k on crypto, even the bags are gone
At least my story makes everybody feel better about themselves.
You gotta think of it as a market. A club is not a great venue - N of guys competing for less than N ladies. If you're not having much success there, try a completely different venue, say a tour group where there are more girls than guys. Make them work for you, you're the one whose scarce
How tall are you
Not gonna lie, breaking into traditional employment will be tought for you (age + no degree). You're gonna have to make your own way. If you got lots of time, try flipping stuff from sales > amazon/ebay. Knew a guy a long time ago who did that
I'm a chemical engineer.
Got a nice girlfriend and daughter, make 3.5k€ a month without working hard. got a nice house (350k) that will be payed off within 13 years. 30k fiat, 40k worth of total stocks, 7k in crypto(39 ath, fell for the hodl meme). Can play video games and go to festivals whenever i want. So i like my life atm. For me this is having my shit together, for others it's probably a boring wagecucking life.
To add, I think degrees in Finance are fucking worthless. You learn little real skills, and I think someone who studied math and a CFA would probably be a much better candidate for all the most desirable finance jobs
Any Finance grads in this thread disagree?
Thanks for your time and input. You are right, I should give it another shot
If you didn't buy your vehicle second hand then you ain't too bright.
>wagecuck meme
Man, don't fall for that. Do you find your work fulfilling? Is it a good way to spend your time? If you can answer yes to those, than you're fine. Would you really be happy just sitting around, playing video games and jerking off?
Psychiatrist. Demand is high supply is low
Not fulfilling, but a good way to spend my time. Work with guys my age and they are all weirdos who i almost consider as friends. If i win the lottery or something i would probably wanna work there half-time because i like being there with them.
>all this larp
fucking pathetic
answer me manlet
there's no gym for your face user
I don’t think so user
nope
calm your tits
Basically, I have a high paying job and large savings as my expenses were low. We make combined $220k and have about $60k expenses half of that being related to my house. Never had crazy lifestyle inflation like expensive cars.
As for the loan, see if she had federal student loans and can get a job that qualifies for public student loan forgiveness program. Basically, you work at a government job for 10 years making payments then everything gets wiped away. It's better than the normal 25 year payment on income based repayment as you don't pay taxes on the amount forgiven.
You have to be diligent with the paperwork though. One mistake could screw you. It also can restrict you to lower paying jobs/ careers/location. For us, it wasn't worth the risk.
>33
>big handicaped, but I do the best I can to make it
>degrees in computer science and economics bachelor
>have enough money made by myself to live this live 10+ years
>25k car
>own small but nice house from parents
>started my own business 2 yrs ago, cause my disabilities start getting slowly worse and I need to make it in the next 10 years
>if I do not succeed I still have a flat to live and can make enough money from home office
>if disabilites don't get worse, I can easy find a very comfy good paid job in a week
> Be me
> Australian aboriginal
> Using second hand computer with Windows 95
> Hunting kangaroos
> Beautiful nature
> Government support
Not quite made it but I'm fine
narcissistic personality disorder
I'm working on it man, just figured out what my pathology is.
>be me
>be 25
>set up for sucess inherting dads company
>scizhofrenia sets in 4 years in loney town
>disabled to fuck town and back
>only upside i found a replacment
>live on welfare shit post on /biz
you squat 1120lbs?
I didn't know Jow Forums was full of NPCs. Job, wife, kids, truly fulffiling
30 good paying stable job, work 4 days a week
wife also good paying stable job, works 4 days a week
only debt is a mortage
we save around 40% of our income
>23
>econ degree
>$1700 in the bank
>$10k in crypto thats currently worth $5k
>working minimum wage
>but 0 denbts
Should I rack on 50k in debt and get my masters? or kms?
yup. we are all old boring man out here. You didn't know?
been in delirum lately.. dont know how long i can last like this. im going for rank 1 on the hiiscores and have been playing over 20 hours a day. this took an hour to type.
About to start work at a small accountancy firm in a few weeks, Jow Forums, what the fuck am I in for?
LARPers International
suicide. I work as an accounting clerk, you're expected to be 100% perfect on point at all times, and on time, and youll probably be on salary which means unpaid time off, and youll be making 30k or something of that nature
Expected as much. I mean I'm happy for the opportunity to do something more with my life than minwage bullshit jobs, but still
Being a wagecuck who works the equivalent of two jobs due to busy seasons. I've worked at a small firm and it's much worse than B4. Do everything you can to move asap.
i have 56 dollars to my name rn
Are you still in the same place or did you move?
sweet LARP
>28
>last semester of MBA
>engaged
>80k net worth
>mostly index funds
>1 btc and some link
>currently making 50k a year
>hopeful for better job after MBA
>slowly growing side business
>would love to work for myself but if not I don't mind wageslaving
>fiance and I both saving as much as possible
>waiting for housing crash to buy
i was into bitcoin before biz was around and still am
i have made no money off of it though, instead i used work experience to get a job in the feild i wanted.
my secret: work harder than everyone else
I am a loser and a failure
>age 18-22: unemployed or working dead end labour jobs
>age 22-24: go to trade school
>age 24-26: attempt to get into the trades, fail and forced to work dead end labour jobs
>age 27: finally get a "real" job make only 50k starting
>only 80k in savings
Meanwhile the average person my age already has a masters degree and makes 100k, owns a house and a new car and is probably married
OP, I'm a newly qualified ophthalmic surgeon who is looking to specialise in glaucoma.
I have an idea for an implantable ocular device that I think could be huge for the management of glaucoma. There are currently plenty of drainage devices on the market, but I have a novel idea (which is unpatented, as far as I can tell) that I think could give a real competitive advantage.
I have 0 contacts in the medical device industry, though, so I've just been sitting on this idea. I've been too busy to pursue it.
Reply to this post if you're interested in finding out more.
>became a part of social construct
>got shit together
user, I....
>23
>1L (law school) on scholarship
> basically have no saved money or income although I'm pretty disciplined with money
> dad selling his company for $100m
I am now 26 years old, white, 6 foot, and 185 lbs. I graduated with a bachelor's in STEM on a full ride to a job with compensation totaling $86,000/year. I max out my 401k, IRA, HSA, and ESPP; then, I dump the remainder into a brokerage account. This has resulted in a liquid net-worth of $300,000. I have never owned any cryptocurrency and will likely never own any.
I live with my parents and have zero desire to move out. My annual expenses, besides one time purchases like a car or computer, come out to $300/month which consists mostly of gas to commute and food. I hold no subscriptions, keep no debt of any kind, hate consumerism, think travel is just a new form of jewelry to wear around, and think owning a house is a stupid pain in the ass.
I despise women. I can no longer tolerate talking to them or being around them. In dating it's obvious that they only ever marked me as betabux from the start. It's unlikely that I will ever marry or have children, which is ideal because I hate children.
>23yo
>$2000 in savings
>have a ton of offers (cannabis industry) but haven’t taken one yet, still interviewing for others
>3 weeks ago started building out consulting business, only have one client that’s only $1000/month
>friends are either making around $150k, or are still in school
I feel like for myself it has to be an almost binary choice between wealth or happiness. I’ve seen many people who are financially successful and depressed. I can either move and work lonely 7 days/week for X amount of years, which has a relatively high chance of paying off. Or I can get a shitty job while working on my own businesses and have the company of some friends/family, and hope my biz takes off.
This is me (except for the hating children part)
To be fair, having 1.6x your salary at that age is really good compared to most people. Don't get down on yourself because there will always be someone who has more than you unless you are Jeff Bezos.
I have 300k LINK
>be me
>18
>selfmade multi-millionaire since 16
>9 inch dick
>literally on my yacht right now
>post on mongolian pedophile imageboard only when im taking a shit
What the fuck is wrong with the rest of you losers? M i tite
How did you land in your job? What was you GPA and where you graduate?
what do you do for fun?
how do you get offers from the cannabis industry? how to get a job there?
The 90th percentile age of biz is like 22 so nah
Checked
i play fortnite and watch anime and porn
i have a circle of friends I sometimes spend time with
Disgusting.
Either: have a skill that is from another industry (anything from investment, accounting, chemistry, software development, agriculture to construction is needed)
Or: Read books such as “Cannabis: Evolution and Ethnobotany”, take notes on every page. If you are in a legal state to do so, homegrow and learn everything you can about the plant. Learn extraction, start with hydrocarbon solvent based. Read state regulations. Read industry news, learn to recognize meme buzzwords, and incorporate that into choosing what path you want to go down. At this point, you have just begun, and this foundational knowledge still probably won’t get you a job.
You will need to do a lot of networking, but don’t pay $800 for a bullshit “workshop” that claims you will become an expert in anything cannabis related. There is so much bullshit in this industry that takes money from good, but naive people who think investing their last $50k will solve all of their problems.
This is an industry where the aristocracy is gifting it to their children in the form of investing in their licenses, so if you want to get a good opportunity you need to work your ass off for it—even harder than IB, I’m not exaggerating, because there is no protocol in this. 95%+ of the jobs in the industry are bottom level hourly budtenders, growers, etc, who can’t make rent and have zero chance of advancement. Most large grows with good PR are poisoning their employees+customers, so you need to be skeptical of everything you hear and know your shit. Basically, don’t get into this just to make money because unless you have $10m+ to invest, you will fail—even if you have that you will probably fail. Don’t get into this unless you have an actual passion for it, because you will burn out.
I just turned 30 and hate every day of my life.
This summer I got back to sleeping at my father's house after being away for 10 years. I also drive his car.
I don't have friends and other social stuff nor have many positive memories even from much time in my 20s traveling. Though much if my 20s was on and off homelessness.
At least at this point I've finished my bachelor's, got my first software development job, and have a few grand so I'm actively looking for my own car now. I'm very likely to just sleep in it because rent is a little expensive.
I'm on my way to making it but God everything besides having a job is so shit right now it's like I have every day a pain in my stomach and face because I realize I've fucked.uo everything so bad in my.youth it's ridiculous. Sure my upbringing was trash but I could have done better to make it better.