He's right

Nah I'd rather have 5k so I can spend it on shit. Also I'd rather have memories of bad things but be living good now, rather than the opposite way around.

This isnt even poorfag cope, this is retarded financial handling cope. Even normalfags should be zble to scr as pe together a 5k slush fund if they just saved 100 bucks every week. Thats simply not spending as much money on frivolous shit.

>I'd rather be dead broke & have a life, than to be pretty much dead broke & have no life
Deep

I used to say shit like this when I was poor. Thanks crypto, unironically changed my life

>having to choose between the two
Must suck being a poorfag loser

Fucking Josh can allow to say this because nigga got them cash money from welfare and robbin' he ain't prime example material yo fuckin ass nignog

He looks like a nigger.

This is a poor person who's somehow managed to adopt the attitude of someone who's never experienced hardship of any sort, in the dumbest possible way

As long as he doesn't come crying to me when he can't cash in on his "memories" then who gives a shit.

Played Dauntless (New MHunter game from Epic) last night with my pregnant white gamer wife in our house that we own.

All in on LINK/XCM. Will be a millionaire this time next year.

Yeah going out...man...I’m missing out, sucks to be me.

Fucking normie meme for low IQ shitters with no hobbies or passions.

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>Everyone wants to buy them Chainlinks, but don't nobody want to lift some heavy ass bags.

I live the life of Josh,
I have no regrets,
I have no bank account.

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>I'd rather take 5k and put it all in a shitcoin hoping it will 100x then spend it on some vacation I'll be too drunk to remember.
Fixed

>cries in Torontonian

Also, festivals suck for the most part. I feel claustrophobic being surrounded by endless crowds of braindead normies. If the stars align they can be a good time.

These memories of developing and raising my networth while all the plebs around me staying poor are more fulfilling than trying to be accepted socially by drinking and posting on Instagram. Been saving and investing for a couple years and it’s been very exciting watching my net worth climb. That much closer to NEETism

until you age 8 more years, no one is going to festivals. you're fat, from shitty diet/partying.

you get evicted, no one wants you. burnout loser. turn homeless, some kids set you on fire while you're sleeping. but hey man, you got those sweeet memories with those trust fund kids who ignore you now and spend 5k on bottles of champagne when they get together remembering their festival days

NPC tier

It's called "Time Preference". Turns out that young people with high time preference (live in the moment) have shit life outcomes, and young people with low time preference (struggle now for a comfortable future) have much better outcomes.

What's cool is that having low time preference is a lifelong thing, so even when you've made it you'll continue to work hard and save because it's just who you are.

What's bullshit is that the people who had all the fun times early while you sacrificed for your future always demand that your future self bail out their future selves, and politicians are only too happy to oblige.

Time preference has incredibly broad applicability:
>Fatasses want to eat and booze it up now, and in the future try quick fix pills/surgery or become HAES activists to shift the blame on Jow Forums people to normalize their shit bodies and health
>Thots fuck 100 chads before they're 30 then shift the blame to men who can't handle a stronk independent womyn when no quality man will date their worn out old asses
>Investment banks over-leverage themselves and then expect bailouts
>etc

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muh memories, the cope. never change amerigois, the perfect cattle.

you can do both. if you can't then find a healthy balance, cause those memories don't really mean as much as you'd think in 10 years. I spend my early 20's fucking off traveling and doing the festival scene. sure it was fun, but it made the next 10 years of my life a lot harder since I had no skills or job prospects. I don't remember much about most of the good times I had. it doesn't even matter to me anymore.

lel, I like how he implies £5000 is a lot of money

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This.
This feel right here.

I know a chap who pretty much did this. Party life. Sure sex and drugs, but hasn't a penny to his name. No home or any income prospects at all. Makes by doing what bits come his way to fuel a life going around the world. Sounds pretty chill but I like the comfort of my own property with a load of nice stuff in it. If I make it I'll spend that money experiencing stuff, but I won't do it the other way round and wait until I'm 60 to try to make some money.

>amerigoy
Obvious British manner of speaking plus the '£' should have been a pretty fucking obvious giveaway you retard.

Thats a ghetto rich comment.

>consumerist, probably indebted COPE

>not having no memories

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Fucking guy is right.

Know a guy who worked his ass off his whole life, had a very nice stack saved up to retire off of and live wherever he wanted. He was about to retire this yr and bam had a massive stroke out of nowhere. He had major brain damage and was worse case scenario - paraplegic and brain dead . Luckily he didn't suffer too long like that and checked out. But man still can't get that out my head. Changed my whole line of thinking. You really can't waste your life away because one day it could be u like that..look into it, there's really no rhyme or reason to have a stroke, from 27 year Olds to 67 yr old people, other family members had stroke or not in past has nothing to do with it

Short term nigger attitude

To lower level normies £5,000 is a lot of money, almost life changing. Give that to the average Brit and they'll blow it on a holiday to some shitty Spanish resort. They'll blow it all. A long time ago I asked a friend if what they'd do if they won a large amount of money, close to a million. They said a massive holiday for all their friends. They said they wouldn't save anything at all because they don't care. This person was a total chav though so not indicative of a true average normie, most would save some but the dumber normies love spending money on experiences.

>$5000 is a large amount of money to some people

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you know what money buys user? comfort. you know what is uncomfortable as fuck? being poor and not seeing a way out.
balance is everything here. being a miser and wasting your life grinding for dollars is depressing as fuck, that's why being smart about money at an early age is important. partying through your twenties is fun, but then it's over and your 30s, 40s, 50s, 60s, will be on hard mode. do both.

>cries in Toe-Ron-Tone-Ian

Imagine he was broke and couldn't afford the medical treatment for the stroke?

Also, spending your money to "live in the moment" doesn't mean you'll be healthy in the future. There's plenty of faggots like OP who get fat as fuck by going out every weekend and drinking copious amounts of alcohol and eating greasy food non stop.

But 'going out every weekend' is horrible.

The only reason I used to do it was because I wanted pussy.

Now I just get it off Tinder and can live a comfy hermit lifestyle.

>£5000 is a lot

t. 15 year old

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at least his kids/grandkids can have a good life

>should be zble to scr as pe together a

Agreed. Neet life is not way to go, but u do have to make time for yourself too. It's got to be balanced.

Yes it will be a game changer for them

>by the way I'm going to need half your income to pay for my education and medical care

Interesting. Sounds like I had high time preference in my early 20s and developed low time preference in my late 20s.

Getting drunk and listening to shitty techno music doesn’t seem fun to me

We can't accept a democratic socialist system that allows these degenerates to steal from us

Look up the average savings rate. You wouldn't believe me if I told you how low it is.

When will you realize that literally everything in 'life' is dependent on circumstances, framing, timing, logistics i.e. game theory?

On an anonymous internet board called Jow Forums users enforce a 'making money' stigma and you are more likely to be looked down up on for having a actual real life, experiences etc.. and not focusing on making money all the time

In a club at friday night everyone will look down upon you when you talk with someone about ETFs or Roth IRA's while everyone just wants to relax, listen to music and forgot the real world.

>All in on LINK/XCM
My nigger. What ratio?
42k Link and 700k XCM here.

I'd rather have 5k linkies than any of that shit.

People that travel/party in their late 20s were just losers in highschool. its time to grow up and build wealth

fukin normies!!

kek imagine thinking biz frens talk about ETFs or some gay shit and not exclusively crypto

I have no memories and no money

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yeaaa, but you cant really do this with $0 in your bank account so that tweet is bullshit.

you know that /smg/ exists right?

>lol poorfag

Says the crypto wagecuck gamblers on Jow Forums who have zero understanding in generating real passive income. So many times I've asked advice on REAL stocks, real estate and business dynamics and all I get is "buy low and hodl" answers. You delusional fucking dreamers

Holding bitcoin provided the highest rate of return out of any traditional options

>there's really no rhyme or reason to have a stroke

There is really, >90% of stroke risk factors are actually lifestyle factors — of which alcohol and smoking, probably embraced by the likes of Josh, form a big part. That's why people who have strokes in their 20s make the headlines, they're freak cases statistically.

credit cards lets you access up to thousands of dollars while technically you could very well have no money. having a strong social circle pays often well depending what you are after : friend sells you ticket for half the price bc he cant go, someone with connections to a gig/event can possibly help you sneak in, someone is willing to lend you money (acquaintance, co worker etc.),,

>In a club at friday night everyone will look down upon you when you talk with someone about ETFs or Roth IRA's while everyone just wants to relax, listen to music and forgot the real world.

and most of the people 'in da club' every weekend will be abject failures in life pissing every every cent they earn and blaming the government for their shortcomings.

t. ex nightclub event promoter

U ok bud?

Exactly. I want my life in the future to be my best. I dont want to be 35-40 looking back at my twenties as the best days of my life. I want to be 35 and living the best days of my life till the end of it.

Fuck I would do anything to have 5k in my bank account

Imagine having the shortsightedness and selfishness of the common nigger. You just explained exactly how their brain works.

Instead of creating/carrying the legacy of your family, you want to blow it for some meaningless selfish “experiences”. This line of thinking was manufactured by the Jew (through their thorough study of the nigger) and forced down your throat since you were a child.

Real men think of their families and offspring first, not themselves. They plan for the legacy of their family.

Women chase these cheap experiences because they have the minds of children. The Jew has structured your mind to be feminine and you have put it on display for everyone to laugh at. You’re weak and your family will be weak as a result. Carry on faggot

being boring fucker AND having no money
AND living in the UK

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I can only remember mabe 5% of all the girls I've slept with.

Might aswell not have done it.

best post of the day. They want you to spend money and stay a slave. Most of the things you spend money on cause the environment to deteriorate. While I do think money shouldn't be saved, there is no prize for being careless. Most of the things you experienced will be forgotten.

It's so fucking weird that he thinks being financially responsible means $5,000 and it means having it in the bank.

Op is obviously a zoomer. When your weekly allowance from mom is prob about $15, $5k seems like a million

>Having 5000 in your bank account means you cant "go out" and have fun at a moderately often pace

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5% of 0 = 0

HAVE.
SEX.

Based strokeposter

money is a score for rich people and something to spend furiosly for poor people.

Is he literally a poor fag?

You can do both. I’ve been on two long vacations 12 hour flights from my home country this year plus one domestic trip. Still saved a lot more than i spent. I dont even earn that much.

Normie faggots just spend non stop. U dont need to spend every cent getting pissed every week and going on over priced normie holidays to make memories.

This cunt will either be crying he has nothing and how he couldnt afford to save or invest when young, or will cope by saying this shit again when seeing a NEET who saved and invested while spending smart and making memories

>i'd rather be a poorfag who goes to festivals than a poorfag who doesn't
well no shit, but I like having 6 figures and not going to festivals

>he will never make it

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Thinking 5000 is making it.

He will die poor.

Feels good man.

do not use not wasting money as an excuse for rooting away in your basement

Why are normies obsessed with festivals?

They can be fun but i have never felt need to go to more than one a year and only if shit i like is playing.

Set your eyes ahead to the future, not behind to your memories. faggot

tfw I was just like you lads when I was in my 20's saving and making out my retirement, FIRE lmao.

However it did get me some capital.

Which then i invested into real estate and fixed up my first house to which I sold.

Then I invested my time in jobs that taught me the most instead of what paid the most.

Then after wage cucking to suck up the information on how a business operated, I quit 1.5 years ago.

Now I have about half million and my business is taking off and i have more money than I know what to do with. Now I'm moving downtown into a brand new high rise where I can network with other successful people. It's amazing how the conversations change among the 1%. Everyone openly talks about money and helps each other because it isn't a big deal to them.

You have to realize poor people hate talking about money and the matrix they live in keeps them poor.

Getting the fuck away from poor people is the #1 secret to getting rich that no-one is telling you.

I feel like I'll do better trying to fill that hole inside myself by focusing on it By Myself rather than going out to parties and getting intoxicated and desperately trying to cover the hole.

I think it is culture too. In the UK it is taboo to talk money in general. Especially how much you earn or make even if it’s obvious you earn a lot.

In USA i noticed people are way more open about it and it probably just isn’t a taboo topic

nah man set your eyes to the present

I think this will happen to me

I'ld necc myself if my savings account wasnt going up $5k a week

^
when you're hanging with 9 broke dumb people, take a guess who's gonna be the 10th.