Age

YOU'RE THE THAILAND FAG

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>34
>NEET
>$45K in retirement account
>$25K in credit card debt

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Why the fuck aren't you there yet I thought ur dumbass was supposed to there already

22
None, student
7k
0

19
car sales, 30k/yr
pretty much $0.

>we have been compromised i repeat we have been compromi-
>AAAAAHHHHH!!!!!
>user? user?! ANOOOOOOOOOOON

soon man a couple weeks. ill post about it when im there

23
Teacher
2k
None

>19
>none (student)
>200k
>none

You tried the ESL route? Where are you from?

Fellow ESL teacher, have my own language institute

What do you usually spend money on?

19
none
a bunch
0

Most of my paycheck goes to rent and living expenses
As for disposable income, tech and entertainment. Recently got a ring for my soon to be fiancee

Wtf? Regardless of how you got that credit card debt, you're managing your money like shit unless the credit cards still have the introductory interest-free period. Borrow from your retirement account to pay them off, then pay back the retirement account. There's no way you're making more in whatever fund(s) that money is in than the interest accumulating in the cards.

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how do i make money teaching english ESL institute user? Like howd you work your way up into having your own institute?

1. I constantly jump between 0% balance transfer promo offers on my credit cards. Outside of paying a 3 or 4% balance transfer fee once a year, there is no interest

2. There is a penalty for taking my money out of my Roth IRA and I would lose the tax free access to it later in life.

>25
>Engineer
>~50k
>0

>me being a douche
How so?

Age: 31

Job: Neetbux

Savings: $23,000

Debt: $0

It's been a tough road. I was an ESL teacher at Berlitz for a couple of years, did all kinds of teaching (A1 through C1, business programs and specializations, kids, etc.). The pay was shit, the franchise in my country wasn't particularly good.

So during my last few months I asked to become a part-timer, and I used the rest of my time to find a book and develop a decent method that would be better for everyone. Then I found a couple of private students and businesses who were interested in my classes (word of mouth mostly) and things kind evolve from there. While I was teaching on my own I got a couple of partners to help out with marketing, branding, finance, content creation, etc. We've been operating legally for a year now and I'm hoping things only get better from here on out. Opening a school is tough, but if you want to do it, you need to know the right people that will let you teach even when you haven't made a name for yourself.

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>age
27
>job
Warehouse supervisor + Landscaping
>savings
70 or 80k
>debt
0

>25
>none
>none
>none

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*kind of evolved

Srry I'm phone posting and I can't type for shit

Something else that helps is knowing more than one language or having people who speak other languages. Spanish and portuguese are a big hit in Latin america right now

>Age
26
>Job
Energy Trading
>Savings
c. $50,000
>Debt
c. $23,000

21
NEET
$1000
$0

>Spanish and portuguese are a big hit in Latin america right now
I'm quite shocked to hear this...

so if i were to get a TEFL and teach english in SEA. could i conceivably sneak into international schools with the CELTA and/or tutoring on the side kind of like what you did? I'm gonna kill myself if i stay in the US

There are so many expats looking to improve their Spanish that I've actually had to turn some of them down because I don't have the man-power to meet the demand

And every shit eating call center wants portuguese because of Brazil, so everyone wants to learn portuguese

Yeah you absolutely could but it would drain the life out of you, depending on the school you teach in.

First step is getting out of the US, though. Your skills are near worthless there. You'd be surprised how many international schools around the world would take you even without a certificate. Shit, I'd probably employ you if you walked in and you showed that you can teach effectively, with or without a certificate

ok ill get back to you in a year or two compadre

>21
>none
>none
>none
i'm a ghost, sir

22
optician
2000
15000

How comfy is sysadmin and why do you have so much debt as a sysadmin?

>15000
what happened bro

ori

>22
>Shared Hosting Tech. 4th year studen
>2K
>20k student debt

>29
>doctor
>60k
>1.2 million (mortgage)

>20
>student
>20k
>0

>32
>Grubhub office worker
>$0
>$40k+

Not sure why I even bother.

So what's your story, bud?

Went to college after high school not knowing what I wanted to do, only that I was supposed to go. Racked up a ton of student debt loan and didn't even graduate. Ten years after leaving school and I still haven't even come close to paying anything off.

Recently divorced and had to move back home. Currently living with brother and his friend while I work a dead end job. Meanwhile, I'm struggling to even find the pieces to pick up before I even think about putting them back together.

Shit sucks.

>tfw no wan wan to stare down at me like that every morning wanting to go for a walk

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So what's the pIan, bud?

>20s
>Software Engineer
>$200k net worth gained in my first 2 years of working, more than this in practice since I have more bonuses that have yet to disburse
>$0 debt

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How come some people in that profession make retailbitch tier wages and others make more than doctors?

Computer brainlet here, what is it that you do exactly? Please explain it to me like I'm 8.

27
work at a store and have a little press
ha
yikes

>Too old
>Not good enough
>Not enough
>Too much

19
Student/Escort
15k
0

I really need friends but there's nobody worth being friends with around me

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>23
>In school for ComptiA+ & MCSE Certs
>0$
>$544,000

Should I just an-hero? I'll never pay off my debt and my health is shitty anyways from years of low maintanced T1D

24
Clerk
7000
0 debt

>26
>welder-fabricator
>7k
>0

That's what I get for blowing everything on guns.

>29
>tech specialist
>400k
>0

Software Engineering is a diverse field, there are lots of different types. Think of all of the different types of software

>Websites
>Games
>Accounting software to keep track of customers and sales
>Applications like web browsers and text editors
>Operating systems
>Device drivers that power your mouse and help overclock your GPU
>High throughput low latency servers like Google's search engine platform
>Virtual computation hosting environments like AWS where they can rent out web hosting to any random guy
>Ad targeting software
>Automated stock trading software

The list goes on and on. Each of these different types of software often require different sets of skills to work on. For instance
>Working on websites often requires Javascript, PHP, and HTML skills along with random Javascript frameworks
>Writing device drivers requires in-depth knowledge of computer hardware itself, along with assembly language and C
>Working on the Google search engine requires very advanced algorithms and data structures knowledge along with the help of many data scientists, AI/ML experts who can tease models (deep neural networks, etc) out of exabytes of data

Some of these are harder to learn than others, and are more serious intellectual tasks to learn and make use of in your career, than others

Basically web development is shit tier because any retard can throw together websites without in-depth knowledge of math and theoretical computer science, but high performance computing and systems engineering is God tier and makes you bank because you have to be smart to be capable of doing it.

As for what I personally do, I write highly optimized (meaning it runs as fast as possible in all scenarios, and reliably) server side software to help execute ML algorithms, basically AI-as-a-service for my company, as such I earn a good amount and am respected because it would be hard to replace me since I have specialized skills with advanced C++ and systems engineering knowledge

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jesus christ did you go study to a casino

>$544,000
Is it all student debt? That's impossible. File for bankruptcy immediately and start a new life if it's not primarily student debt.

>24
>Government
>0
>1,800
Am I fucked

You have a net worth of -$1,800. That's above the US average, you're doing good. I'm dead unironically serious by the way. Don't worry about it too much, but start earning fren

Medical bills cuz Amerifag & Type 1 diabetus with no insurance.

Constant cycle of running out of insulin, not being able to afford it due to no insurance, being hospitalized due to prolonged extremely high bloodsugars (DKA).

So yeah, we live in a society

How do I get as good as you and make bank?

no memes but american healthcare is nuts, not sure how people haven't violently revolted against it yet

You're already on r9k so that means you're a friendless loser, this is unironically a good start because it might mean you have the concentrated autism required to pull through this

First, how old are you and how smart are you, and what are your grades?

>Age
32
>Job
Astrobiologist
>Savings
1.7 million
>Debt
Zero

>25
>none
>0
>0
Used to be pretty well off, then it all fell apart. Now I'm on r9k. At least I'm not in debt.

20
student
700
1K

Well, I've been working on a few music projects since I've been back. I've gotten back in with my group of friends, and they've been pretty supportive. I'm also looking at getting into therapy. I've kind of decided that if I'm not ever going to make a regular career, that I should at least try to make some kind of life out of the things I love doing.

I'm down, and I know I'm pretty pessimistic, but I'm not so far gone that I've given up completely. I just have more rough nights than good ones right now, and I'm having trouble seeing the (what I hope to be) the inevitable upswing.

>25
>None
>None
>None

Dude same. My comment is not original so I'm adding this reply.

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Has anyone here been in massive debt and managed to get out of it? Any tips?

chek'd & yeah I think the entire nation has a political skat fetish.

21
Uni student on autismbux
10 bux and some drugs
30K USD

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how can one person say so much, while saying very little?

>22
>None
>5 hunned
>will be $60k when I finish law school