/biz/ - Business & Finance

[Anonymous No.54353952]

>28 yr old
>Only make 95k + 10% bonus

I feel like a fucking failure bros...

[Anonymous No.54353972]

That's pretty good, Anon. I make $45K a year and I'm 32 years old.

[Anonymous No.54353981]

>>54353952
I was 23 when Covid hit. I spent two years NEETing during that and then I was hit by a car and spent 6 months in the hospital. Now I'm 26, nearly 27 making 40k yearly. I feel like a fucking child and itll be another two or three years before i finish my degree.

[Anonymous No.54353983]

>>54353972
you're both doing good,, just keep going, keep showing up. you'll get your shot

[Anonymous No.54353992]

yeah kill yourself animefaggot

[Anonymous No.54354005]

>>54353952
It's all good man. I'm 27 and make 140k, and I constantly feel like I started too late.

[Anonymous No.54354013]

>>54353952
I'm 30 and only made $100k last year working from home and even had to work like 4 hours a day. They really weren't lying when they said mechanical engineering is a dead end career

[Anonymous No.54354037]

>>54353952
This guy earns in the top 2% globally yet is still complaining.

[Anonymous No.54354040]

>>54353952
>26
>only make 130k +15% bonus + 40k in stock options
It’s literally fucking over for me bros fuck this shit

[Anonymous No.54354041]

>30 years old
>make 30k fully self employed

I feel like a rich white man

[Anonymous No.54354100]

>31 yr old male
>no income
>50k invested
>down 50%
yeah

[Anonymous No.54354127]

>>54353952
>>54353952
Data-mine me. It was property management for 47k plus commission. Then they struck commission and now it's 54k base. But yearly commission average was between 7 and 11k and this year was on-track to be higher than that (with major, marquee developments coming into the portfolio). So they said "Hey, we stuck your salary at the bottom-end of last-year's total compensation rate" and gave a bunch of bullshit "keep you hungry" marks on the yearly review. But no actual "raise", and they stuck this at the end of the long-dry-season of commission just as things were about to start exploding with the seasons turning. Horse shit. They can eat my ass, I got my shit all lined up for the next big gig.

[Anonymous No.54354130]

32 and 75k here with no savings and 100k I'm retirement. Is it over?

[Anonymous No.54354464]

>>54353952
It's ok bro, there was a time where I was literally making 6k a year, I'm at peace now, I'm just focusing on changing my habits and just waiting for marlin to start implementing their tech around web3

[Anonymous No.54354510]

>>54354464
kek, that's a shit of a life anon

[Anonymous No.54354528]

>>54354464
Wtf how did you live with 6k? 3rd world?

[Anonymous No.54354541]

>>54354100
Fucking kek, you're literally me

[Anonymous No.54354559]

>>54354464
at least you're at peace, I haven't found thaat yet

[Anonymous No.54354564]

>>54354541
brother

[Anonymous No.54354565]

>be 29
>make 90k a year before taxes
>18k CC debt
>car note is 580 a month
>addicted to nicotine and phenibut
>have a gf too
There’s no way out of this rat race. But I’m starting a new degree next week which will hopefully end me up in a better place

[Anonymous No.54354569]

>>54354464
How much are you making now? Are you at least a bit up?

[Anonymous No.54354594]

>>54353983
im making 20k a year. i have a nice union job with excellent health insurance and im afraid to leave it. but its just not enough money. and i need the insurance cause im starting to get several ailments....

[Anonymous No.54354613]

>>54354037
There are only two ways to obtain women.
>be 6'+ chad
>make over $150k a year
So ya, given that I'm a manlet the survival of my genetic lineage depends on me earning more money.

[Anonymous No.54354627]

>>54353952
you're deep in the 1%, congrats

[Anonymous No.54354629]

>>54353952
Icould be worse im 35 and make 14 an hour part time.

[Anonymous No.54354644]

>>54354013
you can easily pivot into other engineering or technical management tho

[Anonymous No.54354991]

>>54353952
Bocchi the 4channer

[Anonymous No.54355031]

>>54353992
Tranime website

[Anonymous No.54355043]

>>54353952
I made little over 50k USD (so far) this month, from my company profits. Although it's not my take home, otherwise it would be taxed to hell of course, leave it all in Company. Just pretend I'm larping if it makes any anons feel better.

I am 25, run my own business though.

Anything above 50k is alright, not doing anything wrong. Can't expect to earn big money unless you run your own company at these ages.

[Anonymous No.54355055]

>29
>only $130K + 10% bonus + profit sharing
It will never be enough. I could never make 'enough' money. I've consistently gotten raises and I feel happy for about 5 minutes and then it's gone. I feel empty.

[Anonymous No.54355094]

>>54355043
What kind of business is it and what was your starting capital? I wanna start a business.

[Anonymous No.54355106]

It's OK you just need to accept no woman can love someone who makes less than 6 figures a year in dividends, is less than 6'2", and doesn't have an eight pack. Being an incel is just our lot in life, desire and envy are the cause of misery.

[Anonymous No.54355115]

>>54353952
Rich isn't a number, it's making more than your brother-in-law.

[Anonymous No.54355240]

>>54355055
Poorfags will never understand our struggle

[Anonymous No.54355351]

>>54355043
You could have a fishing company and make atleast ten times that. As for me I am a neet but I know how the game works now so Im feeling pretty confident I will make a atleast a few million within 5 years time.
If I could make 10k from a meme token I started as joke why couldn't I make millions from a real product?
Granted i did a fair bit of programming for that token and did feel burnt out at times. I did not rug pull but it did come to an end. I think it was fair.

[Anonymous No.54355370]

>>54353952
$109,000 w/ 10% at 32

[Anonymous No.54355409]

im 30 and disabled. i get about 1k each month in gibs, and about half of that goes to rent. my disease affects my cognition and energy so i cant work from home either, or really do anything much meaningful at all really

[Anonymous No.54355412]

>>54354013
>working from home and even had to work like 4 hours a day
Anon, the solution is second even cushier job

[Anonymous No.54355532]

>>54355409
sounds like a comfy life

[Anonymous No.54355543]

>>54353952
Jokes on you sucker, I'm 28, have -10,000 and made $380 last year.

[Anonymous No.54355546]

>>54353952
USD? You're in the top 1%

[Anonymous No.54355738]

>>54355546

He is not even in the top 20%. And this doesn't filter for people without education or account for the fact that those who are single genuinely have dramatically lower income than households (regardless of whether the household has two or one incomes).

[Anonymous No.54355880]

>>54355094
Don't wanna say too much, but it's related to gaming, pay-to-win content & influencing. I started when I was 15, at it non-stop ever since.

[Anonymous No.54355913]

holy shit how do any of you still care how many goodgoybux your corpo employer dispenses to you in one calendar year you pathetic worms

[Anonymous No.54355937]

>>54355913
>t. written by the guy who immediately panics if his neet bucks are 1 hour late.

[Anonymous No.54355938]

>>54353981
Sup bro, I'm the same age as you. Did the same thing, no car accident (all the best) decided to get into line cooking a year ago, make maybe 30k a year. Sounds like you're doing fine.

[Anonymous No.54355966]

>>54355938
Are you the guy with no friends?

[Anonymous No.54355980]

>>54355966
? I don't have many friends but dunno what you're referencing.

[Anonymous No.54355987]

>>54355738
>>54353952
>>54353972
Demoralization is the new P$YOP by somebody in particular, toxicity online is being pushed, but the truth is, if you're a zoomer in so-cal for example and you make close to 19/hour, you're living a better life then BILLIONS of people on the planet. Life is so easy if you're born in the right place. It's a lottery, but if you go to college, get a good job and maintain a great career, you're living a very, VERY incredible life. The human condition always makes us want more, but that leads to perpetual suffering. It could ALWAYS be SO much worse, most people refuse to acknowledge that.

I unironically rather be a broke ass loser at 30 who got to experience his youth and get pussy throughout his 20s, then be some weird faggot who makes a lot of money at some big tech company who struggles to get laid and socialize. Missing out on your youth is one of the saddest things someone could endure.

[Anonymous No.54356004]

>>54355980
God how many fucking line cooks are on this board?

[Anonymous No.54356018]

>>54355987
>I unironically rather be a broke ass loser at 30 who got to experience his youth and get pussy throughout his 20s, then be some weird faggot who makes a lot of money at some big tech company who struggles to get laid and socialize. Missing out on your youth is one of the saddest things someone could endure.
Surely there's no one broke and who didn't experience their youth here

[Anonymous No.54356034]

>>54356004
Most people on this board are minimum wagies RPing as ballers

[Anonymous No.54356082]

>>54355937
I'm 30 and my corpo employer dispenses $107,000 goodgoybucks per annum to spend on funko pops and heckin ipa's

it's just that by 30 you should realize they would never pay you more than exactly what they need to keep you dependent on them until there's nothing left of you

[Anonymous No.54356092]

>>54353952
Bocchi the slut

[Anonymous No.54356161]

>>54355987

The real insidious trend is pretending that there is a middle class left, when in reality, it now takes 75k a year to live with a minimum amount of dignity.

[Anonymous No.54356191]

>>54355987
Doesn't matter where you are if you got some business sense. In Africa the wealth is literarily underground, hell you could make fertilizer... in Asia the wealth is workers, in Latin America... Latin Americans are the ones where it'd be hardest I suppose. The workers aren't as cheap and the resources aren't as abundant...

[Anonymous No.54356196]

>>54356161
This. I'm 27 and make $60k. I live in a tiny one bedroom and can only afford fucking rice and beans. I've got a little bit to invest but that's it. Inflation is going to continue to erode the middle class. The only people that will be ok are the capitalists. The easiest way for the average person to become one is by becoming a landlord leech

[Anonymous No.54356200]

>>54356161
the middle class just shrunk to those making 150,000 - 300,000/ year

[Anonymous No.54356334]

>>54356196

Let me know if this feels off and what else should be absolutely included (or removed). It's complete cheating not to include basic clothing, gym, and some budget for incidentals like batteries, hygiene shit, etc, but I am trying to keep it very basic.

>>54356200

This is pretty much true, which is still feasible (at least the lower end is) on two incomes. I think most people "don't get it", because they are still getting something from their grandparents / parents.

[Anonymous No.54356418]

>>54355987
Thank you for this, Anon
You really put things into perspective for me

[Anonymous No.54356443]

>>54354130
>he just like me fr

30, 2k in savings, 15k in retirement. Went broke trading options.

[Anonymous No.54356467]

>>54355987
> I unironically rather be a broke ass loser at 30 who got to experience his youth and get pussy throughout his 20s, then be some weird faggot who makes a lot of money at some big tech company who struggles to get laid and socialize. Missing out on your youth is one of the saddest things someone could endure

What is it with cope posts like this? You paint fictional versions of people in your head to justify your own failures in life. You claim anyone more successful than you must be a totally pathetic loser who gets no pussy, meanwhile every single metric in the world points to the exact opposite being the case.

This ritual instinct to try and put others down to feel better about yourself is likely why you’re in the situation you’re in. It’s mostly mentality and you live a life of abundance mindset then you will experience an abundant life in all respects. You think only in terms of scarcity, and you will be doomed to live in scarcity. Financial, spiritual, literal, and metaphorical scarcity.

Good luck and god speed anons, it’s never too late to better yourselves and stop huffing the brain poison that is rage, hatred, and envy

[Anonymous No.54356506]

>>54356334
this is what its like to make 120k a year in commiefornia

[Anonymous No.54356513]

>>54356467
bro you sound like someone who doesnt have lots of SEX with GIRLS haha ooga booga

[Anonymous No.54356536]

>>54353952
39yo
only making 105k USD +15% bonus

feels bad man

[Anonymous No.54356614]

>>54356506

based mommy anon

[Anonymous No.54356750]

>>54356334
How do you spend that on insurance unless your employer just doesn't offer any sort of discount or group-rate insurance at all?
You might also get subsidized ObamaCare(TM) depending on household size and employer offerings but that's another story.
Really, this listing describes someone that's doing mostly OK, as they save nearly 20% of after-tax income (average is about 5%). However, it also demonstrates how much the typical debt traps (cars) cost people in terms of either lifestyle or savings.
I mean sure, buy that Corolla or Civic or whatever but make it one that's 4-8 years old, then you cut that $500/mo in half and you start to get ahead.
I drive a 16 year old car and it's been completely fine, I am way ahead even considering the extra maintenance of an older car. But I will upgrade soon.

[Anonymous No.54356844]

>>54353952
Fuck off, I’m turning 32 and work as a security guard making 20 and hour I’m tired of these faggot threads where little weasels complain about a salary that has them set for life and they can retire early on FUCK OFF

[Anonymous No.54356907]

>>54356750

I have noticed a lot of jobs not offering insurance, but yea - that could be high. A lot of people do HSAs now, but there is a large risk if you don't put enough away and have an emergency room visit.

It's a catch 22 with cars, I am >>>/o/26479924 and have driven a $1,500 Integra for 4 years in the past. The catch 22 part is that this is only feasible if you already have a skill set, a tool set, and a place to work on the cars. In some ways, having a cheap car is a luxury. But yea, a 4-8 year Civic/Corolla should be reliable enough.

>Really, this listing describes someone that's doing mostly OK, as they save nearly 20% of after-tax income

Keep in mind that this person has no life and no family. Is that really alright?

>>54356844

Why not just enlist at that point?

[Anonymous No.54356926]

>>54356907
IM 32 SHITBAG I already tried to enlist at 24 and got rejected for having a brain injury when I was 16 fuck everyone fuck everyone and fuck every zoomer faggot wailing about an 80k salary. God fucking dammit

[Anonymous No.54356950]

>>54356907
32 is too old to enlist. I was never cut out for the army they'd probably get tired of yelling at me to make my bed right and I'd be ripped from so many push ups they'd make me do. It'd be a waste of time for everyone involved really.

[Anonymous No.54357017]

>>54356926
>>54356950

You can get age waived if you can do well on the ASVAB and pass fitness standards to a decent level (something like 8 PU, 7:30 mile). But I understand how that might not be an option.

At that point "TRUGG :DDDD" becomes a decent option for short term to figure shit out. 32 is getting close to too late, but it's not really too late.

There is also shit like EMT-B -> Fire department -> EMT-P -> contractor (not necessarily military, could be on oil rig medic), etc. Point is that when you are desperate, there are desperate options.

[Anonymous No.54357026]

>>54357017
I’m not desperate you shithead. I have no real stress or worries because I live below my means.

[Anonymous No.54357036]

>>54357026

Hey, if you are playing it how you want to play it, good on you.

[Anonymous No.54357408]

>>54353952
I'm about as close to 30 as you are, made 160k 2021 and almost 200k last year, almost all tax free, and I still feel like a failure. There's more to this than the money, apparently.

[Anonymous No.54357423]

>>54355738
>Comparing household income to personal
>Not realising most the planet earn less than 20k USD a year

[Anonymous No.54357457]

There's more to your job than how much money you make. I make 140k/yr but I fucking hate my job. Starting to regret moving out of my comfy 70k/yr position.

[Anonymous No.54357475]

>>54353972
Grim

[Anonymous No.54357488]

>>54354037
that's the joke, anon. Social retards like OP come on /biz/ and make shit up about how they make 6 figures in their 20's and how they feel bad about it. Prime example of why everyone thinks Americans are are fucking retarded.

[Anonymous No.54357595]

>>54356334
Just a quick glance at the numbers shows they're made up, not just "Averages" but literally leaving out what should be in the sum.

So, I "found" an extra 2k in "rent". Shitcan the "chipotle" and find another 3k. Theres 10k in the 401k, and add the "remainder", and he's literally saved 30% of his stake home salary.

The only thing wrong with it is is could be a higher saving rate, but you draw the line wherever you want.

[Anonymous No.54357599]

>>54356506
What is mommy money

[Anonymous No.54357833]

>>54356018
KEK
Imagine being broke AND missing out on your youth, jesus christ
>>54356161
Exactly, making 100k a year is dog shit now and is LITERALLY the same as 50k/year in 2012. Everyone is getting financially cucked
>>54356191
That's kind of true, I just mean it's significantly harder than growing up in socal and yet zoomers in socal cry and piss their pants about their situations while spending $200/month on grubhub
>>54356418
I think you're memeing but it's ok
>>54356467
Nice double space nigger also I'm not coping at all. I have a great job (140k/year), but it's still peanuts in comparison to other people doing the same thing as me. I just mean that a lot of people complain about their lives and it's likely not that bad and most of their lives are shit due to their own shitty decisions. It could be so much worse, but it could be so much better. And no matter what happens people will cry and complain no matter how good they have it. Also have sex, I'll take being a broke attractive loser that smashes than an autistic faggot any day.