>people on sighsee talking casually about having 100k+ in some savings account/investments
Who are you people? Did your parents help you with this money?
>people on?
>people on sighsee talking casually about having 100k+ in some savings account/investments
Who are you people? Did your parents help you with this money?
Those are tech bros. 100K net worth or even higher is pretty common. Welcome to the upper middle class
I’m not in tech and I’m in my 30s and make pretty average salary yet have almost six figures saved up in different savings and retirement accounts
Average sighsee-browsing SWE salary is easily 120k+
Fucking dork gays you don’t deserve that money you don’t do fucking shit. The tech bubble needs to pop, and chatGPT needs to throw you fucking losers and your gay MacBooks out in the street.
I don’t need another software update or optimized performance. God damn man. Fucking dorks istg
>and chatGPT needs to throw you fucking losers and your gay MacBooks out in the street.
lmao
Sorry bro, I just wow them with terms like "elasticity, cloud, and AI" and land the contract. Then I just max my roth accounts, pay my expenses, and save the rest.
You do understand you can study for certifications independent of school right? Have you tried applying yourself?
>Those are tech bros. 100K net worth or even higher is pretty common. Welcome to the upper middle class
>Who are you people? Did your parents help you with this money?
Work in tech and invested in crypto.
I'm worth 870k in provincial philippines and earn 250k/year @ 30 years old
A lot of idiots made a shit ton of money in crypto.
100k net worth is not the same as 100k in liquid savings. I'm worth like $300k when you consider my physical assets and 401k, but I only have like $30k in liquid savings.
You should always refer to yourself as your total networth including 401k and other assets.
This guys knows. Even in Europe the market is fucking rough rn. I'm staying at my cushy role to ride this downturn out.
It definitely doesn't beat passive index funds in the UK. The government cracked down so hard everyone's trying to sell up.
Property managers run 5-10% of your monthly rental income in the UK.
I feel your pain leaf. The UK is arguably in a lot worse position and I honestly can't understand how the average person here is surviving.
I'm late 20s and have equivalent $425k~ total networth, no house. From literally 7 years of grinding and investing and some lucky breaks living at home for the past few years.
I'm envious of the anons in the US where the ability to save is so much higher. I'm earning £65k in a cushy SWE role and I have literally zero motivation to get a higher paying role....
My friend got a £80k job at a FAANG in London and actually has a lower quality of life than me, he gets £600 more after tax per month but is busting his balls and is forced to live and rent in London because they want everyone to go back to the office.
Also a UK anon, I was an analyst at a large bank and took a 30% pay cut to transfer to an IFA, My actually monthly income is less than 10% less due to taxes and now I no longer have to work ridiculous hours. I'm also married and have a US and UK passport because of my wife so I will probably get a job there despite the horrid work/life balance for a few years to save up extra, then move back here.
to any impressionable youth reading this the glory days of "tech bros" are over
First of all, tech is only highly paid in the USA, and even there that's only because college is too expensive, and H1Bs from India are doing their best to lower wages
second, these guys are in their 30s-40s and got in when supply of labour was low and demand high.
third, while your comsci degree will definitely help you against someone with no degree, after graduation you will still lack many skills, languages, and frameworks that most employers are looking for. If you have less than 4-5 years of experience companies ignore you, and that's partially understandable. Chances are within 5-10 years what you are working on will become obsolete and you'll have to learn another skillset/framework
The market has a glut of people right now, tech firms are laying off programmers by the thousands while the supply of new grads has never been higher.
So just some perspective from a mid-20s developer
Yeah this basically.
33 with a net worth of nearly 500k. 200 if you don't count the value of my home equity.
What kind of upper class fuck only has 100k in worth, when that's what they are making a year.
i'm a veteran gov fag, $600k net worth at 33 from saving since 18 and investing every extra dollar and constantly living below my means
If you make $100,000 per year in salary and contribute 10 percent of your paycheck into a 401k for 20 years, you would have $429,000 in that account. A 401K contribution is taken out pretax, so it's an awesome way to save money. A lot of employers will even match your contribution up to a certain amount. You'd be insane not to have one in the US if you're making 100K+.
You pay a 10 percent penalty if you draw the money out before you turn 60, but there are a lot of loopholes to avoid paying the 10 percent penalty if you want to cash out early.
>20 years saving
>Not even $500,000
>this is a good way to save!
kek no wonder so many poor people exist
explain your deep financial wisdom?
You buy property, lease it out, sell upon retirement. In 20 years it'll for sure more than double your money like the 401k suggestion.
Topkek at playing petty bourgeois just to make money. Saving money is a huge cope. How about run a business that actually produces value or getting a very high paying job instead? Shit or get off the pot I'd say. Real estate = mediocre returns relatively speaking the other options.
This. After expenses , real estate rental income returns probably can't beat passive index fund investing
How is around 7% gains bad when you're not even selling your capital? It sounds like you're mad and should stay mad.
>just be a landlord
Kek. Did your boomer parents tell you to do that? How do you expect to travel with tenants and property to look after? Fucking know-it-all monkey.
Anon I’m quit the troll on here but
>what is a fucking property manager
Cmon man
You hire a property management company you dunce.
real estate isn't a bad investment, the big thing about it is it's often the only times normies can/will use leverage
if you have access to credit and just maxed it out for decades buying safe investments like warren buffet did you'd make more money
there goes your cash flow
property managers are usually just handymen who should be making $25/hr yet they charge $100
>cashed out mid 6 figures from a high 4 figure investment in sighsee
>be a neet and don't travel or spend much
to get into crypto early enough usually required being a contrarian to the point that people wouldn't normally like you much
>there goes your cash flow
property managers are usually just handymen who should be making $25/hr yet they charge $100
he posts as if he knows but he has no fucking clue. Please stop making this site into reddit. if you haven't done it, you aren't the authority on it. fuck off
cant greentext and calling others reddit?
in my country you're a lot better off just buying a big house and renting rooms to students because rent and appreciation on the house you live in is tax free and cotenants have way less rights than tenants
Like I said. Enjoy being poor idiot enjoying a barely above 2.5x return over 20 years from money you can't touch at any point until you're about to die. well played.
Property manager cost for me is 25 a month lol
I know a woman who brags about taking a bunch of exotic vacations using her rental income from a couple of properties she has. You know who maintains those properties for her? Her fucking father. Having a handyman on call 24/7 isn’t exactly easy
>Having a handyman on call 24/7 isn’t exactly easy
it's very easy if you hire a property management service to take care of things for you. that's what I do. Costs a little but they handle everything and allows me to travel freely.
Well for one, you should be getting at least 10% ROI in the long term. If you're not then stop fucking around with single stocks and shitcoins
>focusing on pretax money
>not focusing on the Roth accounts
Are you even trying? Also what interest rate are you assuming in your calculations?
>worrying about money you can't spend until you're old and decrepit. On sighsee.
NGMI.
Being old is prime time to e-boifuck. Sure designate the majority to contemporary expenses, but putting 15% away for when you're old is the best thing to do.
Then you wouldn't be investing in a 401k, mouth-breather.
I am worth 700k and got lucky in real estate as the value of the property I bought (parents helped with down payment) rose in value quickly. But I sold that property and put it into mutual funds/stocks and get monthly dividends.
I earn about $2100 monthly from investments after-tax. I could technically larp as a digital nomad or tech-bro on instagram/tik-tok but I have boomer parents and i'm east-asian so I have a instinctual deep-seated fear in my pit to avoid disappointing them so I drudge along my loser dead-end job at a top-tech company so I can keep that facade of being a moderately functional person in society. If put to my own devices i'd just be a brain-dead washed up coomer in Thailand wasting away on weed & self-hatred.
Srs question, can you get a relationship with some other fob or 2nd gen asn girl? Amerika has some livable places, assuming no gulags develop, but the dating situation for a regular guy is fucked beyond belief. I probably would take my chances with getting gulag'd if not for that.
I'm East Asian too and could quit my $135k job and just live off dividends of $15,000 a year (my parents passed the house to me and have low expenses) but I just got a gf so I need to keep working to build up the nest egg since I want to marry and have kids. So yes I would not want to disappoint them either
real estate isn't actual wealth though, you can't just fucking cash out and live in the same city
its the biggest trick played on people and dumbfucks lap it up
the only people actually making cash in RE own multiple properties
>real estate isn't actual wealth though, you can't just fucking cash out and live in the same city
Lmao imagine thinking this. Babbys first lesson on liquidity.
>the only people actually making cash in RE own multiple properties
You WILL be poor forever and you will be miserable.
Who is she? She's hot!
Despite all his make up to cover it, I can still see his mustache stubble and other obvious signs that it's a man. Didn't even need to expand the thumbnail to clock that gay. There's just something uncanny about them.
MY FUCKING SIDES
Like this anon says:
You can see stubble despite the makeup plus photoshop. They probably distorted the shape of the face too but you can still see it’s clearly a man.
Fucking idiot
oooh no no no no-
Some of us are just older. I just turned 35 so my wife and I have been in our careers longer than most people on this board. Having a high income and being frugal when you’re younger help.
Almost certainly there is some degree of larping involved, the number of people claiming to be independently wealthy here certainly doesn't fit a travel board for autistic retards. I believe there's some wealthy tech dudes around but not really the supposed business chads
>autistic retards
That describes most people with crypto money, and not everybody loses everything in the crashes
I've crypto money, bro. I use a GFSC-licensed and regulated Fintech apps that provides me with an all-in-one solution for crypto and traditional banking management.
Even Pajeet in the crypto game takes hits, anon. But I gotta say, Stripe's been treating me well for online transactions. Just stumbled onto TapFintech – their fees are way more sensible and it's a breeze to use
Its like everyone on PSL forums claiming to be 6'+ chadlites with 7" dicks and sighsee fags posting fake body pics.
I'm 6ft with an 7" dick
I'm a worthless loser
Why not. We're a bunch of autistic retards with a strong understanding of technology. That's a golden ticket to a six figure salary in the current year. If you're good about how you spend that salary it's easy to save big money.
Been in tech for almost 10 years. My parents always offer money and I always decline.
Smart move. I use the Tap app to trade on the go, invest, and grow my wealth. That's how I accumulate more assets.
>Everyone tells the truth on the internet
I have a harem and am 12 feet tall, can confirm.
I plan on having about this much saved after 4 years of working and saving. My job has housing and I can save around $2100 a month. I will use this money to leave Canada and never come back
I realized like 90% or so of this board still lives with their parents
>meet with a digital nomad last spring
>talks about being near millionare with cooshy 140k job
>ask him how he takes care of his home stuff
>Oh my parents just do that
>ask if he ever lived outside his parents house
>"huh why? that would cost money"
No shit people still live with their parents have you not seen house/rent prices? You would have to pay 60-70 percent of your check each month just to live in a half way decent place in canada.and even then who gives a shit? It's canada its gonna be shitty nearly everywhere.
Meh, I have a roommate so my average is 600-800/mo which is less than half 1 paycheck and I live in a top 10 city in the US. Hell I am buying a house next year and plan to just lease two rooms out, talking about this to other digital nomad simply mystifies them like I am explaining to a pacific islander from ww2 about how it ended long ago
Make one argument for not living with your parents in current age if you like your parents and don't care about relationships. It's a HUGE waste of money.
My mom is a hoarder and my dad is dead I had to move out at 18 and begin working+paying rent. I'm now a digital nomad but still keep my apartment for purposes of when I come home a few times a year to rest and recertify in my field.
So you don't like your parents. You don't like that your mom is a hoarder and you don't like that your father is dead. There really is no argument whatsoever for not living with your parents if you both like them and are not seeking long term relationships in this day and age
Stop trying to fuck your parents.
My parents kicked me out for being gay
adequate
Unless you are mooching off your parents' generosity, why would it be cheaper to live with parents than to live with roomies?
Typically it cheaper to live with parents, roomates are a fucking plague and a ever revolving door.
I would rather save up money to put a down payment on a house/apartment and then rent it.
Honestly I think my dream is to just make passive income through the western financial system and spend my life abroad fucking whores.
It just funner that way. American women are truly one of the most overpriced assets right now in the world, and the quicker we find a way to short it back down to reality the better.
>Make one argument for not living with your parents in current age
Job opportunities, college. The negatives heavily outweigh the benefits though.
>t. live with parents
I live in my parents $900k home, which they will give to me. I only pay about $5000 a year in housing expense. I'm able to save and invest about $6000 every month
I do like my parents and I don't want a relationship.
That being said, if I happen to find one bitch who somehow wants to sleep with me (very rare occasion), I need some place to bring her back to. If I want to come home at 4 in the morning and make as much noise as I damn well please, then I need to have my own place.
If I get tired of my parents lecturing and nagging me, and yes I love them to death, but if I get fucking tired of that, then I need my own place.
>digital nomad
Why would they pay for a place they're not living in?
Home address
Place to store my shit+car
Place to fall back to(saved my ass during covid)
Home lab for tech shit like studying, working out of, etc
I use to do non stop travel but found myself enjoying it if I do say 3-5 months abroad, come home for 1-2, then go back out. Constantly being abroad made everything feel like a blur and I stopped caring about being <place> as much, if I come back home and reset do some planning, do serious workouts again, take care of any recertifications, and say hey to friends back home; I tend to enjoy myself better.
The point was he has all of those things for free by living at his parents when he's not traveling, which I'm guessing is maybe 1 month of the year at most
I want your life.
>Why would they pay for a place they're not living in?
>Home address
>Place to store my shit+car
>Place to fall back to(saved my ass during covid)
>Home lab for tech shit like studying, working out of, etc
>I use to do non stop travel but found myself enjoying it if I do say 3-5 months abroad, come home for 1-2, then go back out. Constantly being abroad made everything feel like a blur and I stopped caring about being <place> as much, if I come back home and reset do some planning, do serious workouts again, take care of any recertifications, and say hey to friends back home; I tend to enjoy myself better.
In the digital nomad community, people refer to this as a "home base"
I think more successful digi nomads-as they get older-tend to want a home base somewhere in the world. Doubly so if they have *any* consistent hobbies that require having equipement that doesn't simply fit in a suitcase you're gonna travel with all the time.
e.g. motorcycle, your home lab, other vehicles, etc.
Living completely from a carry on is neat, but not my ideal or realistic lifestyle now at age 30. I have a motorcycle, am into tabletop RPGs in physical form, have all sorts of motorycle gear; I even have a cat (she spends a lot of time with a filipino pet sitter).
I'm considering adding a home base condo in southeast asia. If I had to pick right now it would be a condo in bangkok or chiang mai, but would love suggestions for a good regional home base spot.
Any arguments for making my home base in the american midwest where I'm from?
I'm the 870k philippines anon
buy vs rent in this scenario? rent feels like a waste of money, but the potential for feeling trapped in debt and being a remote landlord hemorrhaging money sounds terrible too. right now i rent but only because i have a great deal and spend about 1/3 of the year at home; cannot rent it out when i am gone per lease agreement.
Based. Absolutely no reason to fork over money for a house unless you have kids.
isn't he living outside his parents house while being a digital nomad?
That's what I do. I am a top 1% earner. I will not pay rent. I refuse.
>digital nomad
>renting/owning a place back home
Why would you spend a significant share of your income for something you will rarely use?
Just compensate your parents/relatives/friends for their efforts, doesn't even need to be monetarily.
I have about 3/4 of a mil in investments and live at home rent free in my 30s. Would've been a lot harder if I was paying rent all this time.
I work remote and live with my parents. I almost rented a place for 1.5 k a month and now am so happy I didn't because I just use my parent's home as a base and dig nom with my gf. When we get married we'll get a place for ourselves but for now and the last few years I'm glad at how I played things.
Making 50k a year is enough for most people
For most people to travel?
I guess it is if they work from home or have very generous vacation time, then they can just go to Thailand.
I'm a NEET and have over 100k just from collecting disability checks and living in poor countries
haven't worked for 10 years lol
imagine being poor in 2023
I have a good amount saved up and I'm self made. Just the typical STEMcel working for a decade and saving all my money since women don't want me. At least now I reached the point I can just pay for whores during my travels and eschew the dating altogether.
Lol I am so fucked. That’s very impressive anon
What career and investing strategy? Gg my man, you ve made it
I'm an engineer specializing in medical technology. I work for a big company. Worked my way up and now make at least 300k annually. I think I'm doing alright. Will be much more comfortable once I hit 3 million. At that point I can spend money on nicer hotels and higher end whores. Basically will start cooming in Europe instead of Latin America/Asia.
If I make minimum wage, I'll get 100k in... Exactly 2000 years lol. If I get the best salary my country can offer for the highest position jobs (heart surgeon, senior programmer, etc), it would take...50 months. You ever wonder why people move to first world countries? This is why. I can make 100k USD in two years making minimum wage in the US, and yet in my country it would take two fucking thousand years. And my country is one of the better third world countries (Brazil)
Why can't you make Brazil better?
We would if we made South Brazil and North Brazil a thing. But the braindead lazy fucking parasites from the North who drag down the IQ by half and raise the crime levels by triple the amount prefer to elect a fucking president who was in jail for almost a decade. To be fair, the other option was essentially a dictator, but that's the two choices, and the majority of the influence comes from the North.
Is he the good kind of dictator? Like the El Salvador kind?
Better how? If you give more job opportunities how are we supposed to exploit the women? Think anon, think.
My math was a bit off but it would still take 40 years
>I can make 100k USD in two years making minimum wage in the US
How, what would your strategy be?
The real trick is getting 1st world salary while still living in 2nd or 3rd world. Your internet really needs to be reliable, not necessarily fast.
25 yrs old
about 140k net worth
how you ask ?
started working in 2018 and started investing in stocks (MSFT, TSLA) in 2019
I am 29 and could easily have 100K+ if I had spent my 20s working 12 months a year instead of wandering around and working low-paid temp jobs for the majority of my adult life. Even without investment, saving $1000 per month, a relatively low amount for a hard-working single man, would mean $120K in the bank after ten years of work.
>thread full of armchair economists
Save 50% of your income in your 20s if you're not retarded and have a semi-decent job. By 30, you'll have something like 500k, and with ~8% real return on the stock market, you can take out 5% per year (25k) while keeping a steady capital base and live retired in a low CoL country. If you'd like to live in a high CoL country, do the same but retire at 35 instead. Or be retarded and spend every paycheck every month.
You do know that if you can just manage to save up $200k by just grinding and living like a bum, you could then take that $200k, give it to the garden gnomes, and they will in return give $1,000,000 worth of empty space that you can then rent out to the plebeian class, right?
Undergrad in Econ, then MBA.
Analyst/Consultant at 25 making $125k, then pivoted to big tech after 3 yrs. 8 more years climbing the chain, EM/Sr.Mgr/Director.
Salary, bonuses, equity, 401k match all-up = Total Annual Comp from $450k. TNW is well into 7-figures, including all investments/property. Also, I bought some BTC @ $400 and ETH @ $9 back in 2016, so that helped. Already sold most of it, but now buying back in to both.
No help from parents, they were immigrants. I grew up poor going to food banks and goodwill and getting handouts from the church; we even lived in someone's garage when I was a toddler. Still remember finding dead rats in the alley all the time.
Wife is a high earner, too. We both work remotely, and most of our workload is cyclical. This allows us to travel frequently. Plus, I get to keep all miles/points from work travel, so that pays for flights, hotels, or sometimes both.
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ChatGPT
Schizos
I've been thinking of consulting, from a life science background here and 24.
A lot of my tech friends say web dev is saturated but other areas in tech aren't, still worth trying ?
Age ?
Have a friend in faang, they're remote though.
Have a neurosci degree yet still struggle with consulting spots
Which FAANG company? If I'm not mistaken all of the major companies have some sort of return to office policy in place now
You got an MBA straight after doing an undergraduate? Did you not go to a good school for your ungrad? You could have entered consultancy straight away with just your economics degree
I have 100k because I live with my parents. So I have 0 expenses. However im moving out soon so the fun ends here I guess.
mom died and i inherited ~$600k in cash
/biz/. Chainlink. went from minimum wage to 600k. no degree, never worked full time. I live in SEA and live easily. come to sighsee sometime.
>I live in SEA and live easily. come to sighsee sometime.
yo, fellow SEA anon. which town or city are you based in?
did 4 years in hanoi, back home for some business then thinking of doing phu quoc for a month then danang.
Going to thailand later this year though and might try to live there for a little, but I really like vietnam and i really don't want to have to learn a another language after spending so much time with Vietnamese. plus VN girls are way hotter IMO.
>did 4 years in hanoi, back home for some business then thinking of doing phu quoc for a month then danang.
Nice choice on going with the north. I loved riding through towns in Northwest vietnam. Son La was comfy af
Ho chi minh city has its benefits
>plus VN girls are way hotter IMO.
This almost extends beyond opinion into fact. Love VN girls. Especially love that they ride motorbikes and are business minded.
If I could have the gyms and food and legal weed of TH + the mountains and girls of VN, I'd be a happy man
Why not just take a Vietnam girl back to Thailand, or just try to find some singapore/filipina/viet girl in Bangkok?
I know learning the language is a fucking Hassel but thailand ain't as bad to live in if you only know broken phrasebook thai
back home for your mcdonalds shift?
ur weird. you sound like a retarded chink
Did you get incredibly lucky during an unsustainable boom or are you some kind of genius?
If you reply, please do so as if you're responding to a retard who knows nothing about crypto.
Anon with 300k USD in investments here. I'm in my early 30s.
I'm a leaf in tech, so I converted my numbers to USD here.
I started at 54k/year in 2015 right out of university. I was debt free with 20k saved from doing paid internships and living with roommates and taking buses everywhere.
Eventually got promotions and grew that to 71k/year.
I'm a "senior software dev" kek it's embarrassing how little I'm paid compared to the US but I'm IQ gated on passing interviews so job hopping isn't really an option. I do my job well enough and it's pretty relaxing most days. They won't let me do remote work though.
I live frugally, never go out, only buy clothes once every 3 or 4 years. I save about 30% of my after-tax income. Employer does 4% matching as well.
50% of my money goes into tax advantaged retirement accounts diversified with index funds.
The other 50% goes into riskier assets like crypto and an account I buy individual stocks with.
I wired 4k to a random japanese bank in 2017 just so I could buy ethereum at $100. I was sweating bullets at the time and fortunately it worked out. Really got involved with crypto, flipping ICOs, going to hackathons, etc. after that.
I also spend my free time chasing opportunities I come across or think up, building websites, setting up affiliates, creating neat tools. 9/10 of them never pay off and I lose money and a lot of time. The best one earned me an extra $50k, but it's hard to replicate.
Still can't really afford a home near me unless I sold all my investments and put 100% of my net worth into it, but I don't see much future in this country and with this much money I'm pretty close to retiring early in a cheaper country.
So that's why I'm looking at traveling. Going to visit Thailand and the Philippines to see if I could retire there. If I like one of them, I'll spend a few more years working and save a bit more and "retire" (but probably still work on my own projects)
What risky investments would you recommend? I do 50% of my income in safe boomer vehicles too and I am too high inhib to be a degen sighsee crypto gambler
>What risky investments would you recommend?
I can't recommend investments but I'll tell you what my portfolio looks like (in CAD cause I cbf to convert). It's not optimized, just lazily throwing money into things:
20k cash, most sitting in accounts earning 4%, planning a big trip so this will be 10k soon.
205k ETF/index funds in TFSA/RRSPs
15k in a TFSA with a mix of specific stocks. META (bought because it was underpriced last year and the media was shit talking it), AMD, COIN and Cleanspark. The latter 2 help me get exposure to crypto without paying tax. COIN seemed criminally underpriced with the amount they rake in from ETH staking alone, it's like the entire market didn't even consider that until recently.
Crypto breakdown is:
108k in ETH
51k in BTC
14k in LINK
14k spread across random other alts ATM, DOT, MATIC, ADA, XMR, LTC, SOL, ARB
>and I am too high inhib to be a degen sighsee crypto gambler
You don't have to allocate a significant portion, but it has the best risk/returns IMO.
If I had all my money in boomer stocks right now I wouldn't put as much into crypto as I have, but I'd always keep at least a few thousand in btc/eth just as a hedge.
Altcoins are basically like expensive lottery tickets, a lot of them go to 0 but one might go 50x. And if there's a bull market they tend to rise a lot more than BTC all at the same time. Almost all of them also fall 99% in a bear market.
People seem to do NFTs and do well but I don't know that market at all.
>108k in ETH
>51k in BTC
>14k in LINK
>14k spread across random other alts ATM, DOT, MATIC, ADA, XMR, LTC, SOL, ARB
You realize it will never pump again, right?
>I'm a "senior software dev" kek it's embarrassing how little I'm paid compared to the US
your yearly salary is literally less than my last sign on bonus for a level 2 role.
70k sign on bonus for a 250k/year role.
Canada truly is suffering. I couldn't imagine actually putting in effort for your pay.
>Going to visit Thailand and the Philippines to see if I could retire there. If I like one of them,
Add vietnam to your scouting rotation. I just spent the last 1.5 years in philippines. the philly willy is passable, but you're really giving up a lot of amenity level vs thailand or even vietnam. filipinos are just bona fide retards that won't ever develop the same way. doubly so when you hit those retards with a cat 5 typhoon every few years
Fuck you, you fucking dork gay
>Philippines to see if I could retire there
what does "retire" mean when americans say they are going to "retire" in a foreign country?
spending a few years there and then come back? living there until you die? i mean you are there without friends and family and getting old you will eventually collect diseases and need care.
Care is cheaper there if anything, but I agree that it will be pretty grim being old and sick while completely alone, except for some people craving your money.
>conservative family
>stay in rural town to look after land
>stay in rural town to look after elderly relatives
>one by one elderly relatives die
>looking after like 6 old people at once I inherited a lot of money
>used it to buy up more land
>wake up at 30, done nothing with life but farming, looking after old people
I didn't even inherit that much, it's just that I had few personal bills.
So now as you might imagine I'm going overseas to find a wife
Im about to go to europe on a one way ticket with $3000 to my name lmao
wish me luck bros
Don't forget to take out a loan if you can
Calm down, liam.
You can travel fast, going where you want when you want, staying in hotels and eating in restaurants. Or you can travel cheap, hitchhiking, couchsurfing, workstays etc. 3000 USD can get you a long way if you have the patience and social skills to travel cheap.
I think that's $3000 for his whole life, not $3000 to spend on the trip alone
God bless you anon.
Where in Europe? Just gonna hop around? Are you going someplace where you know the language? Any big plans or just YOLO?
Wife works in tech and I work in finance. Our household income is ~$500k and we have a similar amount in savings/investments.
We started out with low earning salaries but had parental help on a house payment.
Just remember, tech people are physically frail and mentally warped for life. They'll never be real humans. They have sacrificed things that most people find morally and existentially unacceptable.
Tech bros will reply attempting to downplay this, they in many cases, are unaware of the trap they are in.
This is true, but I'd rather be frail and free than strong and chained. I will build up frame. You can only maintain it, wagie, because I am retiring.
>Tech bros will reply attempting to downplay this
What is there to downplay? You made some vague conclusions with nothing behind them.
Sounds like this is just cope, it's obvious you were IQ gated since you don't even know how to make a point.
>proceeds to downplay
>he doesn't even know poor people can do whatever they want literally every day of their lives
Check'd
Is this from being overworked or something? Was thinking of going into that field but then took a hard left turn and decided to start working on my pilot licenses.
If the reason is because of sedentary lifestyles then me becoming a pilot could put me in the same boat. Always eating on the road and sitting in a chair in the sky for hours on end, or doing multiple legs in a single day can most definitely take their toll.
If you give up your life you make a lot of money. You basically have to choose to not do fun things in your youth, then when you're 30+ you can spend all your money on whores vs making little money but having the freedom and luxury of playing video games and watching anime when you're young.
Like literally if you're making $100k a year you do not have time for vidya for more than an hour or two a day.
My father chose the big money corporate route. He regularly tells me how proud he is of me that I decided to focus on my inner self in my early life. He says he feels so far behind me in terms of this, and that he wishes he had done the same. He has teenage tier personal crisises in his 60s. He knows this too. Now I have the whole rest of my life to live, with a great foundational persona, while his life is slowing down and he still has to build that up.
My tentative plan is to periodically fuck off until im 40 and then I’ll slow it down until I retire. I’d rather spend up to 40 fucking off (while still maxxing my Roth yearly)
If you're thinking in such financial terms it suggests there is generational wealth in your family, at the very least land and a home that will become yours. Why then, do you take steps that imply a lack of confidence in this?
Uh..no you piece or shit there is none of that. What the fuck are you talking about
>Like literally if you're making $100k a year you do not have time for vidya for more than an hour or two a day.
lolwut
When I was a broke ass working minimum wage at a food factory for a summer I was too exhausted to play vidya at all, it was basically eat-sleep-work for a few hundred dollars a week.
After I got a tech job my life turned into easy mode, got actual vacation days, work is so relaxing that I can play on my phone when I go into the office when I get bored and take lunch whenever I want. The work is so easy that I could easily play vidya for half a day when I work from home as well all while getting paid and getting all my tasks done.
When you get older though you get to a point where spending more than 2-3hrs playing vidya just isn't very fun unless its with frens, at least that's what should happen. Have to find meaning and enjoyment in something else.
Fuck you, you fucking dork gay. I cannot fucking wait until ChatGPT makes you and your gay WFHer pieces of shit irrelevant and back to the good ole brick and mortar shitbox where you belong.
You weak, domesticated, pencil neck cul-de-sac gays don’t deserve exceptional freedom because you can clickity clack on a gay keyboard.
Men used to earn their freedom by conquest, pillage, bloodshed, exploration.
God I fucking hate you dork gays. God dammit you gay loser dork
keep coping
No this is legit a crime against humanity that a small group of dork gays get to basically live with limitless freedom. The elites are definitely gonna cook something up. This can’t continue
cope
Nobody on planet Earth except for people with severe and very publicly obvious mental issues enjoy programming. It has never been a matter of can or can't, this is a matter of will or won't, with the former having the precursor of legitimate mental dysfunction.
You've been seething all over this thread. What do you do for a living?
I'm not one of those people (I don't talk about my money online), but I'm just old. I've been working, saving, and investing for close to twenty years. I have more money on hand than usual at the moment because I sold a condo last year for twice what I paid for it.
I’m old (46), and own a successful business. I can save up $100k in a few months. Lots of dudes out there are the same. $100k isn’t really a lot, although it sounds that way when you’re 20 and working at Target. No offence.
Go get your hussle on for a few years, if you work hard you’ll get there.
I once had $1,000,000. But I was in Colombia, and the peso was selling at 3300 COP / 1 USD at the time.
I have $1m in savings
I'm a neet, I just like to lurk here to live vicariously through the people who actually get to travel.
I hope one day I can be one of those remote work tech bros who travels.
It's called not having a social life
People bullshit a lot
I know crypto is a meme, but I honestly think the frequency of anons having money would have been substantially less if it hadnt ever been a thing
I used my covid stimmies to gamble my way to 7 figs last bullrun, until then I was poverty tier
>used my covid stimmies to gamble my way to 7 figs last bullrun, until then I was poverty tier
I made something like 40k in COVID stimmies, I milked it for a whole year. I even made 7k off GameStop. But I'm a high inhib depressed poorfag who just used to to neet and avoid going to work for two years. Now I'm back to square -3648563 and have 3k in my bank account.
I don't get how you MFers make money off crypto, it all just seems like a scam to me. I held 15k in ETH for like 3 months and it stressed me the fuck out. I made 2k off it but it didn't seem worth it
>I don't get how you MFers make money off crypto, it all just seems like a scam to me. I held 15k in ETH for like 3 months and it stressed me the fuck out. I made 2k off it but it didn't seem worth it
NTA but this is the advantage of working a job, you have room to take risky bets without losing everything.
These days I just buy every week and hold. Over the long term the line goes up. The way I see it, it's better money than fiat so it's better than holding USD or most stocks.
Even still doing this won't turn 15k into millions overnight, and the stories of people getting to millions off a few thousand dollars are rare.
It's not impossible but usually that sort of thing only happens because they got in early on an altcoin with a low marketcap before it exploded in value. It's hard to know what altcoins will do this, people that are successful at this are good at researching, follow some whale accounts, have an insider, or just get really lucky.
The only other times it happens is from people that are good at trading, takes a certain mindset and there's a mental burden to overcome. Traders have all sorts of strategies, some trade every day, others only make 1 big trade a year. Some use leverage to multiply their gains, at a higher risk if it doesn't go the direction they want.
Buying some of the bigger altcoins that fell 99% might be a good chance as well, usually in a bullrun all of them go up at the same time to new or similar ATH, like XMR or LTC. Take a look at a coin like DOT and the returns it would make going to its old ATH. But then again, sometimes they fall 99%, and then they fall another 50% so its hard to time the bottom. Or they might drop down forever and never recover like ICX or the thousand other coins.
Keeping on topic, all of this is of course intended for the purpose of affording traveling to exotic locations.
>NTA but this is the advantage of working a job, you have room to take risky bets without losing everything.
Fair enough, but it's gotta suck to lose that money you can afford to lose and go "damn, I could've used that money to upgrade my phone (or something) and instead I just threw it into a hole."
I just can't get my mind right for investing. Maybe when I get a 6 figure job.
I'm not the anon you replied to btw, don't want to speak for him but I can relate to what he's talking about.
I want to get into IT for the explicit purpose of becoming a digital nomad. Is this possible and how high IQ do I have to be?
I'm 99% sure I would get filtered by a CS degree. I heard that IT is brainlet friendly, but is that just for on site sysyadmin jobs? Are the remote jobs a higher tier of intelligence?
You might be late to the party. It's riskier now, obviously. Might be replaced by jeets or AI.
But, it's not very hard. I have AT BEST 120IQ and I just moved to eastern european country to work for <15% income tax. But I've also done this for 10 000+ hours by now.
I'm not into IT. I'm a Normie who got his money from the investment I made. I recently bought some XTP shares and am waiting for the bull market.
I have around 270k in savings, mostly from me not spending money to go out. I literally just spend money once a year for a month going to SEA. And another I used to have the 150k in ETFs but the rate of return average from 2016 to 2021 is fucking pathetic, I was getting 7% from 2019 to 2020, then lost most of those gains from 2020-2021. At this point I decided to just park all of it in something like a SoFi/Apple earning 4-4.5% interest.
How I got it?
>get RN(9 month program)
>make around 150k/yr just doing gig jobs around town through something called Clipboard
>drive around in your paid off 2011 Camry
>live with roommates
>save a good 100k/yr
Been doing this for 3 years now, I love this because I can take a break any time I want. I'm basically my own boss. I'll probably retire at 40.
Using clipboard for nursing jobs does that mean you could work then take a few months off whenever you wanted?
You missed the nursing bubble, its about to pop any second and nurses will be back to making minimum wage. That's if they don't get replaced by chatGPT first. Its all over
Maybe for telenursing / travel.
Ah okay, so you could just start and stop whenever you want then?
My mom was making 250k 20 years ago as a CRNA. As much as nurses cry and complain, they are making money.
Okay anon, you were seething in the other ones but this one legit made me laugh. I see the comedy in your ways.
Clipboard is basically Uber for nursing, average RN pay via the app is around 60-75 dollars per hour. You just need an active nursing license to signup and start using it.
Does that count as contract work?
Extremely impressive anon *claps quietly* it’s refreshing to hear someone who isn’t a coding dork gay who does some good for society in a proper job
Holy delusional dorker be quiet
How many social skills do I need to be RN? Was thinking of being a physical therapist or something, because I just can't respect computers at the very core of my soul I just think it's mega gay.
My social skills are dogshit and I am physically scary. I will not notice if I frighten or offend people. Does this kneecap my ability to have "help other people" jobs?
To piggyback off of this, how hard is dealing with bodily fluids and what not all day? Is it something you just kinda get use to. I'd like to check out nursing since its sort of a mix between blue and white collar work cause tech work seems a bit boring. Also I've heard that patients have been out of control lately either overdemanding or getting physically violent with staff, is that true?
I'm
you literally have a bunch of mexican CNAs that will do your bidding. If someone shits themselves then have the CNA clean it up. Your job is come in and lead your team of CNA/MAs to do various tasks.
The best shifts are 6PM to 6AM, this is when you rarely have to deal with family members or doctors. The only thing you honestly have to worry about is someone coding at this time, then there's a shit ton of paperwork. In most instance the doctors will know when a patient is deteriorating and send them to hoHispanice or the hospital.
As an RN you're mostly there when something goes wrong. Like 90% of nights are relatively quiet where all you do is browse sighsee, watch youtube or catch mini naps. There's one small negative about this job, actually its not a negative if it doesn't bother you. If you're scared of ghosts or if ghosts bother you then you should probably pick something else.
So it's true. Doctors and Nurses encounter ghosts. Cool. I once heard a story from an E.R. doctor, guy got murdered, later that night shit started flying out of cabinets. Dude was pissed off about being killed.
I’ve only seen 1-2 things but idk my rational mind would rather call it ghosts than some sort of mental illness. Especially when I’m not the only one who saw them.
thats a man isn't it
during covid I make 125k in 2021 and 105k in 2020 working a remote job in mortgage industry. Now my pay is around 78k because the mortgage industry is basically dead due to high rates.
I was able to save around 110k because there was fucking nothing to do for part of covid and I did not talk to femoids. now I hangout with hoes and they are expensive. dating is expensive now due to inflation.
I don't even tip at restaurants anymore because the prices are so fucking ridiculously high. waitoids seethe and try to add tips themselves on receipts and sometimes try to confront me being passive aggressive. but I don't care.
t. american from phoenix arizona
typo. 125k in 2021 and 105k in 2022.
Also made bank during covid since there was fuck'ol to do
To avoid tipping I just walk up the register to pay. Doesnt help when one person seats you, another one takes your order, then another brings your food, etc
Smart, unless I really want to take a load off and pass the time, there's no reason not to pick up my food to go unless I'm in with a group.
>dating is expensive now due to inflation.
Not to mention the hoeflation.
Seriously, I don't want to be betabux unless I'm paying for an actual whore. If I'm not Chad enough for these women to be lining up when I dress like I'm poor, then I don't want whatever fake bullshit relationship they'll try to get into now in their "settling down" phase. Fuck that shit.
>was a drunk pothead for the last 15 years
I feel like I actually missed the final chances to "make it". I mean what the FUCK else could possibly come?
Fuck I am so bullshit and stupid. Timing is everything.
>15 years
>Timing
Are you still drunk? That's a quarter of your life (the part that doesn't suck total ass at least)
Alright well all I foresee is another market crash and let's be clear, it seems the government has become aware that they can simply not allow that to happen. Every other market crash the government literally thought it was like a part of nature and it had to happen like a grizzly bear eating a salmon.
When you hear a lot of people bragging about their portfolios that usually means it's a good time to sell. Market is up 35% since 2020. All these chads bragging about having $100k plus will soon just have half.
I max my Roth on the 1st of every year and buy dips in my brokerage. I’m not selling or trading shit tho and fuck ever single gay who says they can
Oh my fucking god dude when I went to Thailand every gay and their mother was claiming
>muh made 100k off that bull run haha
>muh yea I just trade griptoe
And slowly but surely these fucking losers would fall of the face of their earth when their actual paltry gay sum of money evaporated
Keep 6 months of living expenses in your bank account but move the rest somewhere where it will earn decent interest
You might wanna just throw in the towel like me. Get a seasonal fishing job and work your way up to captain or something, or just be smart about budgeting and keep a large emergency fund and quit your job every year and fuck off.
Some dorkers posted the “requirements” to get to where they were and I couldn’t even finish the paragraph
>be computer nerd
>be proud of the fact you need 4-8 years of school for entry level job
>then you just always have to keep learning year over year because everything changes year of year
>this is something to be proud of
>this is acceptable to them
It's not normal and it's not shameful to think this is bullshit. No amount of money is worth such a nonsense way to live a life.
If you’re high IQ and have an affinity for coding since you were young sure, but if you’re doing it strictly for money that’s retarded and you’ll probably fail
Kek
Yes, you have to be a real hardcore weirdo. It is a path that only exists out of deficiency in other ways to attain power. It means you are chronically imbalanced. You are bad at every other part of life. If you are not a deficient human, if you are well rounded, you do not ever go this path. If you want to see incredible people, look at doctors.
>but if you’re doing it strictly for money that’s retarded and you’ll probably fail
Kek, that was my idea going into Software Engineering in college.
>Hurr they make money and I like computers.
Realized my mistake when they started making me do Calculus.
just learn to code and skip the math, 99% of jobs don't use it
I'm a Europoor piece of shit 24 year old whiteboy and I have 35+k saved up. Just save money tardo.
To be honest, actually just today realized how much money I have, looked at my bank account and was like wtf, where did this come from. Money just piles up when you save it, figures
This seems like a good place to ask this.
What banks do you guys use? I’m looking for a bank that offers no ATM fees at ANY ATM (No matter if it’s the bank’s network or outside of it) and they also offer no fees on currency exchange.
I’m also looking for a credit card that offers no fees on foreign transactions too.
I’m looking at bigger banks, but I’m afraid they’re going to garden gnome me out of my money.
I picked up a Wise card for the next time I travel. Has decent foreign exchange rates, only about 0.65% above the actual rate, and can withdraw up to $350 from ATMs per month without any fees, then there's a 1.75% fee for any amount over that.
Can also pay with their card on whatever currency for free, and can easily move your money between currencies on their app and it acts like a "bank".
Looks like it's not quite as good in the US since you only get $100 from ATMs per month, and then it's a 2% fee for any amount over that, but IMO the foreign exchange fees make up for that.
How easy is it to transfer money from a Wise account to another bank account at home? (I’m American)
idk I'm a leaf and I haven't done it, looks like it's pretty straight forward on the app though. It just asks for a local bank account info like you'd see on a cheque (institution number, transit number, account number) and there's no fee listed. They also have an Interac option where you just put in an "Interac registered email", but they show a message that says it will take a few hours at most but they charge $0.91 extra, and that a traditional bank transfer might take 1-2 days.
there are free cards that rebate foreign ATM fees and give you the visa exchange rate, Wise is a scam for midwits
>rebate foreign ATM fees
name one that does it for Thai ATMs that charge $6 a pop
I can confirm they refund all the fees in Thailand, the only place I've never not got the refund is Chile because their ATMs do some bullshit where they combine the fee with the withdrawal amount. I think the other poster was trying to imply Schwab is insolvent, but there won't be a bankrun because the depositors are mostly boomers that have no idea what's going on.
Charles Schwab is good for banking since they refund all ATM fees worldwide, and their exchange rates have always seemed fine.
>Charles Schwab
Anon
Just withdraw 1000 dollars at a time. It’s like a 7 dollar foreign transaction fee. Or you can send money to yourself via western union and do even larger amounts and still pay a small fee
I'm 32, German, married.
Portfolio includes:
- 70k Euros ETF/stock portfolio
- 20k in cash
- 10k in Gold/Silver
and a relatively new car still worth ~15k
I have a a shit degree [liberal arts related] and got into my position as a consultant because of luck and general lack of people.
Rent is pretty low [~800 Euros incl. electricity and internet]. We also receive financial support from our parents, several thousand Euros per year.
Each month I pump a minimum of 1,000 Euros into an All World ETF + other investments if I have more money at my disposal.
That girl is the human embodiment of a catfish (animal)
>girl
Actually it's closer to catfish (internet term)
It's a chud. For real, look it up.
don't need to look that up to know it's a chud lmao
I bought and sold Gamestop stocks in early 2021
I'm a blue collar tradesman. I make a decent amount of money, don't spend a huge amount on myself (though I don't live frugally either) and I don't have the expenses of a family since no woman will even give me the time of day. So I have about 230k in various accounts just from passive savings.
I don't travel either, I clicked the board by accident on the way to sighsee.
>friend
>her work pays only cash
>used to have a guy who takes her cash and charge her like $30 to transfer it to thailand
>lately the fees started going up
>from $30, to $50 to $150 now he just wanted a percentage 5%
>trying to help her out
Is there a way to legally send USD cash to thailand without going through the banks/Western Union/etc.?
Why wouldn't you use something like Western Union? They don't report you to the IRS that you paid cash and sent money abroad.
Even if its like 100s of thousands of dollars?
Tether, if there's an exchanger that uses it on both sides
A bunch of LARPers who went with their Dad on business to South Korea once, the same telling you it's lame to travel solo in your mid-20s to 30s.
Bunch of lying, underage gays essentially. Pay them no mind.
Questions for American anons who will retire in SEA.
Do you have to forgo visiting America when you're gone and retired? Seems a bit lonely over there away from friends and family, and I wonder if extended trips back to America are too hard on the expenses to justify.
I want to become an Electrical Engineer (easy 100k plus) but I’m scared I’m too dumb. Everyone always say “your so heckin smart” but I think it’s just I make myself sound smart.
Right now I’m 20 and living with my parents, I’ll be 26 when I’m done wiith CC and uni if everything goes to plan
>I want to become an Electrical Engineer (easy 100k plus)
There are no EE jobs in the USA. We don't make anything anymore, I graduated in 2014 and virtually all of my former classmates work in software. I went a different path and work in government, which is a good option if you want a lot of vacation time and benefits but the pay isn't all that good.
Honestly vacation time is the harder part than money when it comes to traveling
>There are no EE jobs in the USA
How come? I wasn’t planning on working in the USA anyways
she looks like she moustache me a question
I would rawdog this ladyboy no question, thailand got trannies right
Is now still a good time to invest in ETFs?
Since you obviously know nothing about investments, just buy t-bills or a money market fund now while the interest is good
>t-bills or a money market fund
Found the retard, kek
I don't have 100k but I'm 28 and work is literally all I do so it's not exactly hard to save up money.
I'm probably taking one last trip next year to blow through all my savings before I off myself when I'm 30
It's larp, bro. You really think high rollers are just lurking /trv?
The closest most will come to a holiday is street viewing on Google maps.
I live with my parents while working full time so I have no major expenses.
I'm 30 and have about $750k in savings/investments.
I got cs degree and live with my parents and live frugally.
Holy shit I am so fucked. I’m 32 and have 13k in my Roth IRA, never gonna make more than 50k, and think I’ll make it by maxing my Roth. I expect to work until I’m 60ish but I’m gonna be fucking off to coom for 6 months at a time until I get bored and just work and then I guess I’ll retire and or kms
I actually hadn't looked in months, approaching $900k now somehow. I'm still basically an incel schizoid with almost no friends I'll probably never have a wife which is all i want.
You'll be fine anon you're maybe slightly behind median for your age, you can almost surely make more than 50k with little effort and planning if you want.
Surely you can find a way to make more than $50k
Don’t fall for the bullshit, yeah you’re not doing great, but $700k at 30? really?
>you’re not doing great
Gee thanks, asshole. I have a 6 month emergency fund. My Roth, and some cash ready to dump if stocks crash. I think most American gays can’t cover a 400 dollar emergency?
We can’t all be dork gays ya know
I managed to land a high quality situation like this.
I have about a million dollars total. I got a job paying 110k out of university. I did that for 4 years, only spending like 15k a year living at my parents. I invested it along the way. It was risky, but after crypto plus some other things, it paid out.
I got a ESL teaching job overseas, mainly for a visa and to cover basic expenses. A real coomer life. And I wasn't paying, either. I kinda fell into making arrangements with older women, which also helped. Hard to explain. I'm not handsome by western standards, either.
I was basically always on the cusp of losing everything, even though I literally never partied and have no friends. I just went around and saw a bunch of places. Right now, I managed a deal for a harem situation with three different women, two some back country Asian chicks and my old landlady. It's not all it's cracked up to be. I coom four times a week, work out, and play on my gaming PC. At this point, my girls force me to take them on trips. Otherwise, I have no social life.
It's wasted on me.
Do you get lonely and want to bond with white men? Why is that not what it's cracked up to be? It sounds like you're doing pretty OK.
I never got along socially. I have a lot of psychological problems. Which is why I ended up with my old landlady. An older woman, though not too much so. When I was abroad, and got stuck in a sticky situation, she basically demanded me sexually, or I might have ended up out in the shit (cash is no good if you can't get to it, long story). I lost my virginity that way. It's kinda parasitic, since a lot of assets are under her name, to ward off my other girls leaving me.
And this applies psychologically, as well, but it means she gives me the best cooms, honestly.
Yeah, it's difficult setting up a bank account when you first get there, but that's something that should be planned prior to moving there, or at least solved within a month.
Anyway, you got kinda lucky. Better sleeping with her than being homeless. She's also not a poor lady since she can afford your rent, so she shouldn't be smelly.
Yeah my parents give me money but I barely spend any of it. You can get pretty far by only drinking leftover drinks you find on tables and picking half smoked cigarettes off the floor. Also if you never change your clothes people will find it easier to become more accustomed to you since you always look the same (this signals stability in the primate part of your mind).
I've been saving in various IRAs/401ks since I was 20, more seriously since I was 26. My parents did not help because I refuse to accept their help. Honestly it all came from reading a book called, "The Automatic Millionaire" by David Bach that basically boils it down to two things:
>1. make your investments automatic (if you never see the money in your checking account, you are not tempted to spend it)
>2. Dollar-cost averaging is your friend, even in a bummer market. Set up an auto investment plan besides your 401k and you'll reap literal dividends
Another good read is, "The Millionaire Next Door" which provides a lot of insight into behavioral finance.
People that are goal oriented from a young age cant be trusted
Quads of confusion
You should concede to your goals after much kicking and screaming, this shows that you have a soul. To chase goals without initial resistance shows that you do not view life as sacred, but rather something specifically for you to readily manipulate.
You'll be able to retire at 60, congratulations!
Not travel related
39 years old, ~$660k in brokerage/retirement accounts. I inherited around $200k and invested it, the rest is from living cheap and stuffing every penny possible into VTSAX for the last 15 years. It's not "real" money in the sense that I don't spend it, I simply obsess over adding to the snowball so it compounds more each year. I feel like I can't rest until it crosses one million.
Anon how do you prioritize your accounts? Im all VTSAX in my IR right now at 32. Do you do anything fancy in your brokerage account in terms of allocations or factor tilts?
I have around 60k saved in my 401k. With Russia and China trying to actively cuck the USD with BRICS I am genuinely scared that my money is going to crash hard. Is it a scam to try to convert a portion of it into gold and silver? What about other foreign exchanges? Is it worth trying to set up a foreign bank account and get some foreign currencies I think will appreciate?
These anxieties are unfounded as Russia and China getting along over a common non-US currency is unlikely
How could you guys live at home and don't feel the need to contribute back to your parents? If you are a NEET and have no money to pay for food then whatever. But grown ass men with good stable income, living with their parents and just sucking off their retire fund, then come onto a Mongolian basket weaving forum to boost about how much money they save by not paying your rent?
Am I crazy or this is fucked?
I pay my parents full rent every month to help them with their retirement, with or without me living with them.
>Pays rent
>Lives with parents
Why not just rent your own place?
Like I said, I have no problem with people living with their parents to save money. I just find it fucked up that this is something to boast about- "see how much I am saving by not paying my parents even though I make 120k per year!"
At least pay like $500 to offset the food cost?
I pay no rent but buy 100% of my own food.
Living like a parasite is the cultural norm here anon
I feel no sympathy for boomers, they reap what they sow
I have about $90k to blow travelling for the next couple of years...
Worked my whole 20s, wasn't getting anywhere, forever alone. Actually well over half of what I got did not come from savings but from the investing what I had saved in very normal boomer ways (just look at a stock market chart during the 2010s). Probably not going to fucking bother working again and generally kinda accepted my life is over, and I can't do any useful shit with the money like buy a house anywhere worth buying one and it stops me claiming neetbux to have savings. Also I'm not in the US so salaries are like 3x less but house prices are still more expensive
Such a great, fulfilling life!
I got my money solely by investing in XTP, Anon. I use their debit card for my travel, and their multi-currency accounts simplify global money transfers.
So many bots
I have a 100k from just working since I got out of highschool.
>t. 22
STEM, consulting, MBA, biotech snr leadership
EZPZ
Crypto scams itt
Just don't be 18 years old .. I am europoor from postcommie country and except from retards with gambling or drinking problem quite everyone sits on 100k+ dollar properties in their thirties or forties.. You work, mortages gets paid off, you inherit something in the time.. Building houses that last more then twenty years helps, same like don't taking a loans on everything..
I rugpull third worlders with crypto scams a few times a year.
I have a small network of like minded fellows who live around the world, and we work together to create, market, and promote the scams.
We keep it fairly small, and usually only yoink sub 200k amounts. After costs and everything it winds up being about $15-30k for each of us and a bit more for the ringleader/guy who runs the discords.
Pretty much we do a rugpull then agree to chat again in 2 or 3 months to see if we want to do it again, or hold off due to market conditions. We have a canary signature system for a certain thing we operate, so we know if somebody got compromised by LEA.
>why post about it here
everything on sighsee is fiction, only a fool would take it as fact
I use eToro to make money while on the go. eToro is the best crypto app right now thanks to its compliant platform, user-friendly interface, and plethora of high quality trading options. Using eToro is simple and let's me live my life the way I want to live it.
report the chatgpt marketing spam
I'm not spam I'm serious you fucking paranoid retard. eToro is the best crypto wallet out there. Not everything is an ad sometimes there's just happy customers.
Stfu spamming retard. Nobody talks like that
Yeah people do, people who are excited to talk about the best crypto app on the market. If you're offended by that then go fuck yourself.
Stfu marketer. Nobody talks like that. Fuck off. You are SHIT at your job.
>techchuds
I don't get it
why put in all that effort when you can just be born into a rich family?
It's really amazing how everyone is a millionaire on every board on sighsee
>can't even go onto the travel board to discuss vacations and nice places without a month old, 300+ thread dedicated solely to how everyone is a white collar worker rich millionaire
Most of the people posting in threads like this are only posting the positives.
They have money because they have no social lives and work themselves to exhaustion to cover for it, or they live so frugally that they have nothing to spend on outside of a trip.
You don't need to be rich to travel. I'm a UK anon, I've spent 6 months in the USA in the last 18 and I work a job that pays in the low £30s. I'm also able to have a good social life where I can drink with friends, go to clubs, travel inside Europe and not live with my parents like a lowlife either.
Don't take everything you read here as fact, a lot of people on travel boards who post about their money are usually autistic, ugly and socially inept and saving for another failed sex tourism adventure is the only thing that stops them from roping.
Just be normal and work a normal job anon, if you're flexible you can travel to places on a shoestring if you're OK with being a bit uncomfortable.
Honestly this.
I'm UK anon with no social live and live frugally living with parents but the upside is I have £350k at 28. I'm literally banking on the fact that having maybe £400k+ at 30 will be enough for me to be financially free later on in life so I can claw back some sort of life in my 30s.
I'm envious of you and other normal people.
Hey there! It sounds like you're really focused on your financial goals, which is awesome. To help you reach your target even faster, consider using payment apps like Revolut and Tap. They can save you a lot on fees and expenses, giving you more control over your money. Keep up the good work on your journey to financial freedom
The people who have "legit" high paying jobs are largely out of their 20s already, the people that made it from crypto are usually younger these days but are also shut-in incels so they are a wreck irl even though they have money
There's very few people that have their prime youth, money, and are mentally well-adjusted, pick 2 basically, this is based on direct experience meeting people with money from tech and crypto. Imo money isn't worth wasting your 20s over, that's something you can never "grind" for later
I didn’t start cooming till 26 and that’s even without having a solid financial background. The key ingredient is youth and vitality. You can NOT get that back or the receptivity from young hot qts that it begot when you’re older.
The only thing you can do is get hair transplants and cosmetic surgery but that doesn’t completely reverse your aging process.
i dont care about having money or not. i dont care about anything. i dont want to do anything involving money. i dont care about owning a house. i dont care about "retirement". i dont want to buy a flashy car. i dont want to buy any fancy gadgets. i have tried traveling a dont enjoy it because im always alone and miserable on trips anyway. i will never have children, a family, or even have sex every in my life. i live with my parents and pay them rent so they can put it towards the mortgage of the few condos they purchased in another state that they rent out rather than me giving my money to some landlord.
i get despondent about having a worthless job and not having some fancy 6 figure career like everyone in this thread and on sighsee has, making a quarter million a year while working from home for 2 hours a week, but then i remember even if i had such a career, it wouldnt matter anyway, it wouldnt give me any sense of accomplishment or value. all i want to do is die every single day.
I fuck with you bro. Hope you post here more often
How old are you? What is your job?
I’m 31 and my job doesn’t matter. It’s humiliating and pathetic. It makes me want to kill myself every day because of how humiliating it is. But I have no skills and no ambition and can’t focus on anything anyway.
But no matter what board you go on here, everyone is always posting about how rich they are from their white collar usually work from home job and I get very jealous and angry seeing these posts but then I realize even if I had the hundreds of thousands or millions of dollars that everyone on sighsee has I still wouldn’t be happy and wouldn’t care.
Even on this board right now there’s another huge thread of some anon in the OP saying how he has over half a million in investments
, but he’s 30 virgin so is miserable and that’s how I would feel as well if I had money who cares
>but then i remember even if i had such a career, it wouldnt matter anyway, it wouldnt give me any sense of accomplishment or value
Accurate, based anon.
i am 45, 920k with carry forward stock losses of about 150k. I don't get morning wood. I'm currently neet. I don't get horny. incel. depressed. skinnyfat. brown. what country can I move to to live cheap and get a sugarbaby white skinny gf. it's wierd seeing this thread with people with less but from my perspective. even with 920 I don't see how I can make it work. how many millions is a skinny white gf in this day and age? fuck central bankers and garden gnomes
I have 120-145k
I just turned 28
But it's in AUD which has been in the toilet for ten years.
I got my first job at 16 never saved
Probably at 19 I got my first job where I saved
Working 10 am to 10 pm as a casual parking attendant
Idk the hourly but when I managed 6 or 7 days work I was close to if not at $2000 a week
Probably at 20 I had 28k put it in shares they crashed lost a lot. But I never wasted money rarely went out
Then around 21 my Dad died of medical negligence, I got 30,000 from settlement, no inheritance.
My brother needed 16000 for lawyers because he wasted his 30k
So around 50k at 23 worked some dead end jobs did my best to save rode a motorbike to keep money in my pocket
COVID hit my wealth went down to about 20,000 with the stock crashes, I held and got out of it on about 80k
After COVID I was still dead end job but hit 90k just saving saving saving
I had done some holidays overseas and interstate but I slept in cars and hostels mostly
I hit 100k doing medical trials, I got fired from dead end job because I took time off to do med trials, they paid more and tax free
I hit 116k last year, I dated an idiot ex who had a go at me and messed with my computer while I was trading and pressured me to sell lost near 10k
Kinda built most of my losses back by buying and selling making 700 here 2k there
It gets marginally easier now since my wealth changes 2000 a day I figured it's easier and less effort and it pretty much has been
My dividends are around $4000 every six months after tax
I haven't had a job in four months and my shares are down maybe 20k but I'm slowly getting there
I only really want a house because of how many times I've been homeless but similarly I could have bailed myself into short term high cost accommodation sometimes but I wouldn't be as well off as I am now
Went from $5k net worth to $60k net worth in 18 months when I switched from unskilled manual labor to low-skilled manufacturing work. Quit that job and I'm currently traveling for a full year on $20-25k of that. God bless the USA.
Techbros even in shitty third world where I come from are reaching 100k in savings.
Basically real estate is out of reach so they just keep it in bank.
100K isnt that much money these days truthfully.
Does anyone here work remotely but NOT in tech?
what other remote jobs exist?
someone on another board was talking about working logistics remotely. anyone here have similar work?
>what other remote jobs exist?
Sales development rep (SDR), remote high ticket closer. It requires you to hop on a phone or zoom call with fags and try to make the sale.
I work as a director of strategy for a large spirits retailer.
That would be nice but unless you live in a very rural area it's unlikely that you will be buying a house in cash.
Yeah I wont be able to but Im planning to have a 10-15 year mortgage. Fuck the 25-30 years forever slave debt. I calculated that it would be possible to do so with my budget/salary and I would still be able to travel. I’ll be able to make a huge down payment on the house as well (30-45% depending on the house in my budget)
I just want to own 100% of my house and not be a mortgage slave
>talking casually about having 100k+ in some savings account/investments
We worked, saved, and invested.
I've got $250K in Bitcoin, having bought $3000 of it a decade ago.
>will be 27 in just a couple months
>have no money or qualifications of any kind, never even held a job
I envy the guys who are my age who have that kind of money to travel
I am a sodomite so I show my hairy anus on onlyfans. I earn 8.000 US dollars each month just for this.