Millenialfag here. Can I get any serious advice? I'm not sure what to do I'm a 24yr old living with my parents like a little faggot.
I have:
10K car
30K savings
~3k/mo job
No debt
Still in school for BA Econ, 1 more semester to go.
What do? Stay here until I graduate and then move? Anyone in a similar situation?
Move out when there's an incentive to do so and the pros outweigh the cons.
>>69028832
Literally no incentives right now.. I have almost no expenses other than gas and car related stuff. Credit card bills too which are at around 3,000 in total right now on 0% apr cards.
I'm similar.
>Net income is $3200 per month (gross salary is $112K per year but between taxes, espp, 401k, benefits, etc. I walk away with $3200 in net rev per month)
>$50K in savings + another $50K in stocks
>No debt
>Car is fully paid off
>Student loans are fully paid off
I live in NJ, work in NYC. I want to move closer to the city but everything in North Jersey where it's actually "nice" is too fucking expensive. And if I do find a place where I can afford the mortgage...the property taxes kill me.
So kind of stuck living with my parents at the moment. Nice for now cause of no expenses (I help out with groceries, maybe $200 per month? but that's about it) so I can save up a ton of money.
learn to code or join the military.
economics is worthless, its sociology for people who don't get laid.
spending 60 hours learning how to do sql/sas will be worth more than entire time you spent in school.
>>69029490
School is pure enrichment for any field. Doesn't matter what you do in school today, it won't get you a job. What matters is what you do with a degree. I'll be using Econ knowledge with Python programming in the future and get a job in some financial firm.
Is econ a good major?
>>69028688
You paid too much for your car. That's some money wasted. Stay with your parents until your degree is done. Save like mad. Put all your money into a deposit on a well-chosen property. Then start saving again.
My parents kicked me out when I was 17, I didn't have any money. Millenials are literally dogshit lol.
>>69030047
I didn't buy at stealership obviously. What type of car do you think I drive?
>>69030217
I don't know but you probably have a nervous breakdown when challenged or encounter obstacles in life.
>the beautiful ones
>>69028688
DESU, stay one more year, save some more money and invest half to two thirds of it.
>>69028688
If you have a back garden big enough build a cabin. Save the $$$$ to buy a house with cash later.
You're gf/wife should be fine with that if she is a keeper.
>>69028688
You're trans?
>>69028688
Holy fucking shit.
I have:
>10k car
>500 savings
>800/mo job
>No debt
>Two years of school left
and I live on my own. You're living with mommy and daddy when you've got 30K and a decent job? Kill yourself.
>>69030316
I got in a small fender bender recently and it was other parties fault. I got a 6k check from their insurance company and it cost me <2k to get it back into perfect condition.
>>69028688
>>69029324
Why the fuck would you keep so much in savings? Invest that shit.
>>69030217
I'm going to guess a five-year old Volkswagen. But $10,000 on a car at your point in life is a fair amount. I'd by a 10-12yo Honda Civic and put the savings into something that earns you interest or appreciation, like a property. Good luck!
>>69030757
I deliver food. Nothing decent about it but its alright for now.
>>69030757
This desu, imagine living on the streets without a job then clawing your way up without sucking cock. Millennials are truly disgusting. I wish I was a fly on the wall when his car breaks down or his wife leaves him. Little king tut probably loses his shit.
I shouldn't talk to much, I'm a piece of shit too.
>>69028688
>24
>still in school
unless you started working in 21 youre fucked
>>69030757
How did you go through two years of university with an 800/mo job and no debt? CC?
>>69029324
Move to jersey city or hoboken, it's what I do and I'm in a similar situ
>>69030933
>Invest
everyone knows the market is rigged
even gold is actively being devalued
>>69028688
>>69028940
>No debt
>Credit card bills
Hate to break it to you..
>>69030757
>>69030960
What do you gain by moving out? Is that worth more to you than what you gain by not moving out?
>>69030880
Did you get injured? That is not a small fender bender for 6 grand.
>>69028688
Balls up and move out.
Millenial fags more afraid of being off the tit than never ending virginity in the basement
>>69029324
how the fuck are your taxes that high
i make half what you make and bring home the same amount even with 401k contribution
>>69031017
Which market is rigged? All of them? You know there are safe very investments like municipal bonds and treasury securities.
>>69031090
Nope. I just went to an expensive place and got an estimate.
>>69029324
Horse shit. Where in America do you over more than 2/3s of your income in taxes?
>>69031068
It taught me reality really quickly, and I got a lot more bitter. I was able to travel the country and bang a lot of chicks. Had some interesting jobs.
I don't know if I would do it to my kids, probably not. I just find millennials appearing soft as fuck.
>>69030951
I deliver pizza, I make $800 a month. I have $500 in my bank account right now. I'm doing fine, and I'd still kill to be in your shoes. Man up and move out.
>>69031001
Dad paid for it. But I took care of everything else. The point is that OP is very well off compared to me and he's too much of a pussy to get his own place?
>>69031068
Freedom? Privacy? You could quit your job and live for a good year in my city. The fuck are you doing with your live?
>>69028688
>24yr old
>still haven't graduated from university
Are you retarded? Or just a faggot?
Start college at 18.
College takes 4 years max for a single degree.
You should be 22 AT THE OLDEST when you get your degree.
What took you 2 extra years?
Sucking liberal cocks?
>>69028688
Wait until you get a "real job" after graduation, then buy a house and rent it.
Come to mexico with me
>>69028688
STFU and show us nudes of the girl in photo
>>69031406
>girl
>>69031406
she is pretty cute.
>>69031296
I am in college still
23
But I have a full time job, and, some people actually have to work, and when you have set hours you can't always get the schedule you want in school
You wouldn't know about that, white proviledge
>>69031341
Correction
Buy land and build a house on it
>>69030951
You make 3000/month by delivering food?
What the fuck am I studying for.
>have enough of an income to sustain myself, but not enough to buy or pay a very high rent
>renting market is regulated by the government
>waiting lists of several years
>sandnigger migrants skip the waiting list
Is this what being cucked feels like
>>69028940
why the fuck do you have credit card bills if you have 30k in savings?????
I'm in the same boat. 20 years old, living with parents, about £15000 saved, no car yet though. I'm not really planning to move any time soon, but I'm not worried about it either. last time I checed more than half of 25 year old's live with their parents and the housing market/rent situation here is laughable. Honestly with the way it is now, unless I meet a qt grill to move in with I can see myself being with my parents until at least 28
>>69031286
Freedom and privacy from what exactly? Did your parents not let you go out at night?
>>69031286
>Dad paid for it.
Kill yourself
>>69031659
To not make a joke $36,000/yr income before taxes?
>>69031659
Germoney Dont be jelly, you can allá hay akbhar
>>69031139
I'm taxed roughly 28% on my base salary which is 90K
Then I get a 25% bonus which boosts my gross income/salary to $112K. On bonuses you get taxed even more than your regular income tax.
6% of my salary(pre-tax) goes into my 401K
10% of my salary (post-tax) goes towards Employee Stock Purchase Plan (ESPP)
Then around $500 (I forget how much is pre-tax) goes towards Wage Works for my monthly bus pass
Then for all other benefits (health insurance, legal insurance, etc.) I think I'm paying around $60 or $70 per paycheck
>>69031589
>she
>>69031800
To build credit. The credit cards are at 0% APR (I know that's not a thing in UK) but I like to show them that I can run high balances and pay them off.
>>69030757
>You're living with mommy and daddy when you've got 30K and a decent job? Kill yourself.
nah I'm going to stay home and save my money and not pay for mr shekelstiens third yacht.
Enjoy being poor though
>>69028688
Only move if you need to, there is no shame in living at home.
In mexico people of 40 years old live with their parents
>>69028688
30k savings the bank will probably let you leverage 300k on a house. Get in some flatmates and make them pay rent.
You are welcome.
>>69031917
don't really care famalam, i'm not fucking it and it's aesthetically appealing to look at so whatever.
>>69029490
Code is also worthless. The amount of people who know it are far too much for knowledge of code alone to be a garauntee of employment or success. You have to be a mega-wizard at coding for people to hire you and for you to be successful. Otherwise the best job you might be able to get is an IT peon who can be easily replaced when some younger more tech-savvy kid comes around.
>>69031917
???
Is that a tranny?
If so, 8/10. would bang.
>>69030165
>I hate people who have it better than me.
Go cry to your shitty redneck family, envious little shit.
>>69031942
That's not really how it works. Your credit score depends more on making payments on time over a long time than anything else.
30% of your credit score is utilization. If you pay off your cards, your score will go up. If you want to raise your score, get a car. Diversification helps.
>>69031286
>man up and move out
are you fucking stupid? where are you gonna get the money to buy a house? are you gonna rent forever? what about all that money you're throwing away to your landlord?
>>69028688
24 here, I plan on living with my parents until I buy a wife.
>>69028688
you have savings. Why the hell are you posting on here. Get a job and move out in that order. You shouldn't have a problem with an Econ degree,
>>69032237
Yeah.
>>69028688
>3K/ mo job
What the fuck do you do, or do you just work every hour of every day.
>>69030757
This, holy shit you faggots are insufferable.
>but lifes so hard :( mommy and daddy buy my supplies
Grow the fuck up, makes me sad just thinking about your life OP
I have
>1k car
>2k savings
>freelance work all around, no steady income
>no debt
>living just fine
Literally kill yourself OP
>>69028688
this is what you people consider a problem? Spoiled fucking brats, I swear to god. Just drive your car into a wall
>>69032450
I spoke with actual mortgage officers and various loan officers. They say they want to see that you've paid balances off in the past. Stuff like utilization can be changed overnight. My score is good.
>>69031247
NYC taxes year end bonuses at 50%.
financefags get royally screwed on taxes and living expenses. you never really make bank until you are 10+ years into the industry.
>>69032694
i work whenever i please (24/7/365) and just deliver food.
>>69028688
travel the world and enrich yourself before moving out. you'll never do it otherwise.
>>69028688
It's becoming more and more difficult for young people to move out of their house to start life (or to pay for anything, really). People that tell you to man up and move out are usually people that are pissed off that they moved out and are getting fucked in the ass by payments and want you to suffer the same fate. Living at home is the least expensive and most intelligent option.
Besides, most jobs that pay adequately to do so require experience. Just a degree won't get you shit, you need experience to have an appreciable wage, so get some experience, find a nice job, and THEN move out to where a well-paying job needs you to be.
>>69032752
I would honestly consider it if you buy me a good insurance policy with full coverage and shiet.
>>69028940
>Credit Card Bills
>No debt
>>69032889
going to Ukraine in the summer. will probably chill in some euro countries too.
i'm 23 and living with my dad. Graduated from college and can't find a job. The one place i've been offered a job is a recycling company sorting trash for $8/hr. I have an interview with home depot on Tuesday. Might go back to school or kill myself. I'm not sure yet
>>69031942
ahh right, the way you worded it it sounded like you were paying it off longer term
>>69031810
This. This fucking daddys boy faggot telling people to man up and move out while his daddy pays for his college debt. Un-fucking believeable
>>69032721
>1k car
>No guaranteed income
>"Just fine"
>24 this year
>Live at home
>60k in savings,
>~1500 a month
>no degree or trade
What do /pol/?
>>69033041
great! go further. asia tought me a lot. europe is not enough culture shock. usa and canada are not that different than europe.
>>69033243
What do you do for a living?
>>69028688
>30k savings
Invest in oil, faggot. I have it on good authority that there'll be a habbeding in Saudi Arabia next month.
>>69033359
What did you buy? Chevron/Shell stocks?
>>69031942
Lol, that's retarded
>Put yourself into debt so in the future you can put yourself into MORE DEBT
>>69033049
lol what shitty major did you pick?
>>69033352
I work in a dog kennel. Pretty relaxing job working with dogs, kind why I ever went back to college or learned a trade.
>>69028688
Move out when you have a well paying job. No reason to move before you graduate, focus on your studies and save money.
>>69033159
Fuck you, faggot. So what if my dad pays my tuition? I pay for my car, I pay my own rent, I pay for my own food. I'm fucking struggling on $800/mo income and $650/mo rent. but OP is leagues above me and he's too afraid to move out whereas I'm at least managing.
It really depends where you live.
I live in SF now. Just moved out a couple months ago. I have a shit slave-wage job and I go to school full-time. My rent is 1500. I wanted a studio for myself, one where I can walk outside and not worry about niggers trying to steal my shit or shooting me.
Can't survive without student loans atm.
>>69030757
>>69032721
>My life sucks
>His life should also suck!
You guys are fucking retarded
>>69028688
If I were you, right now, I would move into a cheap studio apartment and make a relatively fluid monthly budget for all expenses (rent, food, utilities, fun, etc.) and then save the rest of my money.
>>69032009
I know Mexicans in the United states that do that they all live together in a 2 bedroom house like 14 people and the women stay at home and the men go to work and the kids go to school before going to work after school. I think it's because they send like half of their checks to mexico but I don't get why they do that
That feel when moving at of home for a new job at 23 and will be earning 16k a year (Fuck my life) as a trainee but within a couple of years will be earning a fuck load more if Oil goes up again which it will.
I have to rent a room in a shared house for a couple of months while i sort my shit out then I'm going to buy a property (20k saved up) and rent the spare rooms out to cover the mortgage.
Or just grow a fuck load of weed in the spare rooms.
Just be frugal don't buy anything on finance and buy a place to call home before you spend money on cars.
fap well, goyim
>>69033736
>I make more money than the average single 30-year-old does, can I handle living on my own guys?
Fuck off.
>>69033804
>I will be rich in the future and have a great house
you're probably going to lose your job as fast as you get it
>>69033886
I make more money STUDYING than you do WORKING
KEKING YOUR OWN TIME
>>69033641
>Fuck you, faggot. So what if my dad pays my tuition?
If he didn't, you'd be properly fucked.
>>69033948
Why?
>>69028688
Christ, get the fuck out and leave those poor old fuckers alone.
>>69033770
Its just cheaper to live that way.
>>69031589
> Lip piercing
> pretty cute
Pick one
>>69031090
just need paint job now
>>69033965
I still fail to see how that has anything to do with my point or the point of this thread. OP is well off but he's afraid of moving out because he doesn't think he can handle it. That's the point of this thread. Stick to it or suck a dick.
>>69033480
not sure if
>>69033546
business admin
>>69033465
Suncor, mostly
>>69031068
Dignity, respect, honor and uncuckness.
>>69033049
Money is money but 8 dollars an hour? roflmao
>>69033219
Cool you can read. At least mommy taught you that, child :^)
Been self sufficient for over a decade. Manage my money better than your average person and don't rely on anyone but myself. Don't have to work over half of my waking hours for some jew to get rich. Can you say the same? I'm inherently worth more than OP already.
>>69033736
>being this retarded
Nah sven, I measure my life by the amount if responsibility I shoulder as opposed to how much money daddy gives me :^). If you rely on your mommy at 24 you should just kill yourself lol. My quality of life is better, go suck a refugees dick.
Ive been a
>lampworker
>carpenter
>video game developer
>musician
>network consultant for city schools
>SEO consultant
>loan shark
>ran multiple small businesses
OP
>delivers food and lives with parents
KEK
Bunch of lazy faggots, I pity you.
>>69033465
limited partnership pipeline stocks bro. that shit pays dividends and they have all fallen thru the floor.
>>69034457
In other words
You are mentally ill and completely unable to hold a job down
In what way are you better than a nigger?
>>69032670
so is a long face a male feature, i noticed it in a lot of trannies
>>69034307
Come work in Norway for a year. :^)
>>69034386
That's what I was thinking. It was from 7pm to 7am mon-fri
>>69033641
Lol "i'm a big boy, I swear"
Your dad literally fucking paid for your education, your life is pretty much a free ride after you finish college, debt from education is fucking crippling for most people and limits their prospects when buying a house and saving money. It fucks people for decades and you don't even have to think about it. You're fucking deluded if you think OP is in a better position than you. Your daddy will probably help you buy a fucking house too and you'll get an assload of free shit that will set you up for life when your parents pass away too. Your life is pretty much just a comfy waiting game when you finish uni and get a job.
>>69034307
The money is really good here too, I make 56 dollars per hour, and I don't have any education at all.
>>69028688
>no debt
>making 7k a month
>car
>no expenses besides what is left of my car payment, a year and a half left
>I just pay for health insurance, car insurance, and my car payment
>I use credit cards yes, but I pay the full balance off every month unless I am on the first year is 0% stuff, then I leave a little on and chip at it until they start charging me.
>nearly 68k in savings
>working on retirement
Here is the thing. I still live with my parents. I get a long with them cool but it is hurting my dating life. But I figure if a girl is too stupid to realize I can put 20% + on a house if we ever get married then I think I shouldn't date her in the first place. Besides that my parents are rich and give me money to fuck around with despite having a job. I just turned 25 two weeks ago and they gave me 8k out of the blue. The high i live with them is really nice too and I can go days without seeing them because it is so big.
Why should I move out /pol/?
>>69034565
Nice projection
>"holding down a job"
>>69034567
I think it's the result of having fucked up teeth where you can't fully close your mouth & need braces.
>>69032721
My parents are divorced, I emancipated myself at 16, developed cancer at 22, underwent three surgeries -- one of which I financed, obtained a surgical cure, and now have:
> 2007 Lexus LS L (daily driver - bought at $20k)
> 2011 Jaguar XJL Supersport (bought at $35k)
> 2005 Jaguar XJR (bought at $10k)
> $190k in a Registered Disability Savings Plan
> $60k in a TFSA
> $15k in a standard savings account
> $400k stone quadplex ($250k remaining balance on mortgage) with one unit reserved as a living space -- rent more than covers all expenses/mortgage
> Condominium in Phucket ($60k)
> Condominium in Uruguay ($40k)
Most of my income derives from collecting rent, trading, webmastering and some consulting. I'm also enrolled on a part-time basis in a graduate program (applied statistics) for the heck of it. I'm in the process of importing a bang-maid/driver through the TFWP (I'm 27).
>>69028688
Yep, stay til you graduate then move
>>69034272
No, that's 100% serious.
3k/mo?
I make 2k/mo and live on my own. I didn't even go to college.
top kek
>>69028688
Get your degree and a job before you move out. It'll be the least stressful strategy.
>>69034827
Good comeback, keep hopping from job to job, maybe you'll find one you can hold down for longer than a month
>>69034887
If I borrow an apple from you and you agree that I can give it back in 1 year without any interest should I give it back right now or in 11 months
>>69031866
You are running a rat wheel to make money to have it later when you are too broken down to enjoy it properly. Richfag here....it's a fucking scam. Move to a rural area outside a city in the midwest. 20 minutes and you are in a different world with all the amenities close by if desired. I own a place in NH Staat with 4 hectares and private beach but the summah people rankle me so I spend all of my time in Amerika at my farmageddon in nw Kentucky. 45 hectares and free natural gas for life. Short drives to cities in Ky & In. and leibensraum with no municipal despot to deal with and taxes <1/20th what I was paying in Chatham or Alpine.
>>69034862
How much money do you make from collecting rent and where did you first get the capital to buy?
Ive been saving jew style for around a year now and saved 20k, that feel when literally no life outside of work this year.
>>69031017
>market is rigged
the markets have been going up like crazy since 2009. people made millions. its still going up, probably. the s&p is much better than Gold, which is a jewish scam.
>>69033821
Thanks. He/she is pretty hot.
>>69034862
Good on you. Not sure what point youre trying to make though.
>>69035016
Never been fired from a job in my life. Ive only had to resort to working for someone for income once. All the work for schools ive done for free in my spare time.
Sorry that my happiness doesnt directly link to working for someone else or the numbers in my bank account. Seems to trigger you pretty good. Kek
>>69035244
You are a fucking Jew cunt.
>>69034862
is 12089170 CAD alot in Canada, or is it mediocre? I mean, how long could I live in Canada for that long, not living like a student life, but an ok one?
Have you brought a house?
Wait, no... you're CHOOSING to rent?
Oh my. Never choose to rent...
>>69032207
>You have to be a mega-wizard at coding for people to hire you and for you to be successful
yeah you have no fucking idea what you're talking about
>>69034798
>You're fucking deluded if you think OP is in a better position than you
He's debt-free as well, cunt. :^)
>>69034887
european famalams are a little dumb 2day 2bh
>>69029324
Do you do anything in your free time? Any expensive hobbies or do you basically just go to work, go home, watch tv and go to bed?
>50K in savings
>50k in stocks
>401k (which I assume you're contributing as much as you can)
Fucking buy a motorcycle or a race car dude. You're young right? You're just gonna save up all this money just to die on it?
I make half of what you do. I've got enough in savings if I get my shit fucked up for about 6 months, contribute fully to my 401k, still paying off some student loans but whatever. Savig up for a house, but in the meantime I'm learning about tuning engine management systems, riding motorcycles and fucking bitches.
>>69029490
Econ degree, here. It is what you make of it. Just before I graduated I started applying to jobs like crazy. Got a job within a month that paid $54k starting, I now make $62k plus bonus. Also, got laid plenty in college. Also, it was far more math and statistics than sociology.
>>69030000
Yes it is, but as with most degrees, make connectios and get experience to get the jobs after you graduate.
>>69028688
>Millenialfag here
Stop labeling yourself with a degenerate buzzword. Have some self respect or you´ll stay a cuck forever.
For those living at home in their twenties, how do you have a girlfriend/maintain a relationship?
>>69035193
Canada has a lovely thing called the Canada Housing & Mortgage Corporation through which insurance for mortgages on multi-unit (owner-occupied) dwellings can be obtained with a 10% downpayment -- the property must contain 3 to 4 units with a valuation of < $500k.
I'm frugal and not averse to risk. I run a pornography forum which brought in huge amounts of webcam revenue and still does (started it in my late teens).
>>69035355
The point is: keep pushing. Pursue one's goals aggressively.
>>69035450
$1.2 million? Definitely. Reserve some of it for savings/equity. Assuming you keep $500k for living expenses, 10 years would be easy.
>>69035698
>Actually pretending you don't know the answer
>>69035698
You dont.
You just trawl tinder and go to birds houses to smash.
>>69028688
i say its fine to live at home until you are 30 to save up for the down payment on a house.
I live at home im 25 with a bachelors in science i work part time and im saving up 10k a year rest i spend on hobbies. I toss my parents some rent money and i cook for them so they are fine with it.
I plan to invest 50k into a home when im 30 and move out and start paying it off. Until then im staying home and working part time. Im in life to enjoy it.
Europoor here.
Wtf is a student loan?
>>69035626
The millennial generation is a disaster and everyone knows it. The first step of solving a problem is acknowledging it's existence.
>>69035450
Misread that. Not sure if $12 million is serious or not lol.
>>69028688
idk, i think i'd move out desu senpai. you can't get these years of your youth back. it is good to live at home to save money, but you've already saved $30k
that doesn't mean you start spending like an idiot.
this thread is actually kind of stupid desu senpai
>>69030000
depends on the program. Alot of econ degrees (at least for undergrad) are closer to humanities than math. Find a school with a math heavy BS in econ and you're golden
>>69035815
Mortgage = Deathgrip literally. All cash sale=freedom.
>>69030757
"You have more money than me and live at home? Just move out like me, I have much less money than that."
I don't understand your logic here family
>>69035740
> I run a pornography forum which brought in huge amounts of webcam revenue and still does (started it in my late teens).
I want to get drunk with you.
10% Downpayment, in the UK people are asking for 15-20%.
Do many people buy to let in Canada? In the UK basically everyone is at it.
>>69035882
no, 1.2. A 0 too much
>>69035780
I don't. I'm wondering if others do.
>>69035626
>not identifying with your own generation
where is your solidarity
>>69028688
It's just one semester, stay at home for another few months, then but a house after you graduate
Or rent, if you aren't going to settle in one area for awhile, while putting those thousands into investments.
But definitely out 10k into a retirement fund and start making monthly contributions, it'll be a half mil by the time you're done, if not more. Gotta start around your age of you want a cooshy add retirement. That's on top of whatever pension and IRA your job offers, which you should be participating in, at least, as much as they'll match.
I suggest that remaining 20k in savings goes into some short term high yield things while you rent for a few years, get your career going, your living-on-your-own legs under you, and look for a nice small starter home you can put 20% down on. One of those cutesy places that's only 1000sq ft. If you start a family, you can upgrade around 35 with a bunch of equity built up. If you stay single like a proper b-tard you don't need more than a nice 2br/1ba, and you'll have way more money with a reasonable sizes house than by buying more than you need.
These are my plans, though I fucked up at your age and have failed to fulfill them.
>>69035991
OP didn't really elaborate on his question. I don't know if he was asking if he could survive moving out, or if it would be financially-smarter to stay a while longer.
>>69035836
You are not automatically part of the problem even if your are born in the time frame, that´s an too easy generalization. Millenials are nothing more than a name for degenerates born in a certain timeframe, so don´t label yourself one if you are not a degenerate loser.
>>69035740
Nice, I could chill in Canada for 10 years. Why the fuck don't I. I could visit the US too, and maybe go to Brazil. It's probably a bitch traveling tho since I'm Norwegian.
>>69032207
uk is different than usa for software development jobs
>>69035512
also this
>>69035740
Oh, hi Chaturbate.
>>69036268
thanks famalam, but i spent years playing vidya and being a total loser. i think i fit right in with the average millennial.
>>69035740
Ok, I agree then, just seemed like gloating at first.
I say do whatever makes you happy and build useful skills, so long as it doesnt hurt anyone around you in any way. I enjoy learning and usually dabble in one thing after I teach myself until I have a good savings then live off of it while I repeat the process with something else.
The most recent has been video game development and ive lived off my savings for over a year now. Lifes pretty good. I don't like working for anyone or doing one thing for life. I get bored easy and would rather learn a new trade instead.
Wish you the best Canabro, you guys seem alright and are my designated bug out location.
>>69036013
Haha -- "free" porn sites were once an easy way to make lots of money and with ease. Not so much anymore. Revenue is still respectable (USD).
Buying to let is something people do in Toronto and quite a few cities with single-unit properties but it isn't a terribly good idea. Depreciation on condominiums is terrible and margins are thin.
Few people search out duplexes/triplexes/quadplexes -- they're inexpensive and a large downpayment can be avoided through the CMHC.
It's only 5% on a 1 to 2 unit property (must be owner-occupied).
>>69036298
Go for it, though your money will carry you further in Latin America.
>>69028688
How do you make 3k a month while still going to school?
>>69034154
Do it yourself they have two part clears in spraybombs or buy a nice HVLP kit which is handy for other projects. Be a masculine man.
>>69036432
Streamate mate.
>>69028688
Why is your picture of the TS escort Freya Wynn?
>>69035574
I'm 27
I could contribute more to my 401K but for now I'm just doing 6% since my company matches up to 6%. So comes out to around $10K to $13K per year since the company match varies from $0.75 per dollar to $1.00 per dollar. Depends on overall company performance.
Hobbies:
Snowboarding
Flying/Customizing Drones
Video Games
Hiking
I'm actually saving up for a house so I can move out, but the challenge is that property taxes in NJ as fucking high. And properties in general are also high ($500K+ for an average 3 bed 1.5 bath house in a nice suburb area 30-45 min outside of NYC). So I'm just hoarding as much cash as I can for a large down payment so that my mortgage is low enough so that I can afford paying property taxes
>>69034862
What kind of cancer specifically?
>>69036540
>save up
>move to uk
>switch citizenship
>get educated for free anywhere in yuurop
>move back to us
>switch citizenship back
win?
>>69036681
And that's one account for one site.
>>69036786
Colon cancer (T4aN1aM0) after a decade of improperly treated ulcerative colitis. Narrowly avoided a permanent ostomy.
>>69036136
what have you accomplished in stead tho
If I were you, I'd pursuit an Econ PhD. Have you ever think on that possibility?
>>69036788
Not that easy.
>>69036668
lol dude its black paint with a blue luster. there is no way I can pull it off without making a total mess
>>69036639
Do you only ever go for duplexes/triplexes/quadplexes?
>>69036095
I might identify myself with myself with my race, my believes or my nationality, but certainly not with my generation (especially each of these generations differ from country to country). Doing so would create too much devide and conquer on a "mirco scale".
I´m nearly 30yo doing my phd in physics, i see 99.9% of "my generation" as total fucking idiots who are nothing more than tax paying cattle without sensible hobbies. I sure as hell don´t identify with them. At this age you have hopefully learned that your problems are yours alone and won´t be fixed by a magical bernie bird. Identifying yourself with degeneracy is the wrong path, you have to shake off everything that is degenerate.
>>69036906
when im older
>23
>4k savings
>6k car
>~1300 a month
>live at home
mediocre
Feels good to be hung.
>>69036907
Only getting citizenship back could prove difficult, but it could be done with the ol' marry american trick. Still starting your life without debt is worth it imo
>>69036724
I lived in Chatham & Alpine and also N. Murray in Ridgewood as a child give me your definition of NJ Staat "nice".
>>69036975
For a starter property I wouldn't consider anything other than a multi-unit property (ideally not exceeding $100k per unit). The CHMC is generous in setting downpayment terms.
After you've built equity and established a reasonable income stream from one or two properties, buy what you want.
>>69037146
That cant even fit in a girl
>>69036960
It's easy prep is 99% of it and two part clears with some random orbital polish are zen....the harder you try to rush the worse it comes out. Don't be fucking pussy.
>>69031188
>Investing in bonds right now
KEK you get better interest rates from a savings account.
>>69028688
I moved out at 16 you fucking faggot.
You can never prepare for the unexpected.
Split your monthly income in thirds
That is all I learned
>>69037229
Brb moving to Canada and buying property.
>>69028688
You live with parents, so fucking what, just be grateful for what you have
>>69036724
I guess I'm just lucky I live out in bum fuck egypt. Here (Minnesota) a $150k will get you a ok house about 45 minutes out of the city. I'd only live in it for a few years, then rent it out. Any money to be made in property management there? Or would you get fucked by taxes doing that too? What's rent go for, for the same 500k house? My buddy has a few houses and he just charges twice to 2.5 times his mortgage payment. seems like a steal to me
>>69028688
As long as your parents don't mind, why not? I don't see the big deal as long as you're working toward something, degree, trade, saving up for a house, etc.
Millenialfag here
I have :
3K car
less than 1K saving (government is probably gonna take it all after my tax report)
No debt
2K/mo job
College degree
Just started Uni for BA of engineering... Still like 4 to 6 years to go.
There's no way I can move out of my parents basement without having a debt.
What do?
>>69037357
>>69037518
how old? apply for every scholarship on the planet so you don't get in massive debt after those 4-6 yrs..
>>69037229
Also what about buying a proeprty and renting a few rooms out while you live in it?
I have to move for work soon and this seems like the only option.
I hate the thought of paying rent.
>>69037570
That's pretty close to how mine looks. I think I should see a doctor
What should I do at 24 with no degree/trade? I have like 60k saved up.
Attention
So how hard is it to get a BA in US colleges? You can take as an example a relatively good law school
How many days are off? Are the exams tough? Are you able to pass exams with good grades and work at the same time? Or are we talking only about passing without giving a shit about grades for future work?
There are firms here that actually want you to print your grades from the university
>>69037570
He told how his massive member had ruined his life, preventing him from having a relationship and even getting a job.
“Look where it is, it goes far below the knees,” Mr Cabrera said.
“I cannot do anything, I cannot work, and I am disabled so I want authorities to declare me as a disabled person and give me support.”
Women were too frightened to have sex with him, so he had never had a long-term girlfriend, let alone a wife.
>>69037357
It doesn't exist anywhere but in the sheepfucker's mind when he is tooling his anus with an unripe courgette.
>>69036711
>Why is your picture of the TS escort Freya Wynn?
No, OP's pic is cute_shannon
>>69037680
kinda slacked off last semester and got A- in easy classes while getting As in the hard ones
25
1k in savings after spending 5k on spontaneous travel
Got a bachelors degree from an art school
Started acting school and quit after 1 year.
My dad is a "richfag" and bought me an 125k Appartment i can use.
No Job
Kinda feel like I'm hitting a wall. About to start learning to code.
Any advise?
>>69037761
>Women were too frightened to have sex with him,
Some how I doubt it had anything to do with his penis.
All women want to have their cervix pounded.
>>69037438
If you can find a way in, do it.
>>69037641
The caveat would be time. Multi-units aren't appropriate if you can't find time to manage the property to some degree. If that's the case, buying a decent detached home (don't buy a condominium or a rowhouse) is a fine option. It's easy to find people willing to rent rooms for $600 to $700 per month (per room) within most cities.
>>69036858
Lots of masterbation and bitterness.
It's a good plan, I'm excellent at planning and organizing. Unfortunately, I'm nig-tier lazy and emotionally volatile.
So while I was on my way to independent business success I instead drank heavily and attacked an employee while managing a friend's business.
It's since been years of grunt work and self sabotage. Now I need a new career in preset to try to get back into that plan, but I'll not get to the small cozy house stage until 35, and I'm willing to settle for that, now.
>>69037844
Economics is a self perpetuating voodoo scam and not science.
move out with several roommates.
yes, it will suck.
thats the point. You'll also be around people with info about how things really work, your parents don't know.
You learn by doing.
>>69035540
>ameridebts
my fucking sides
you truly are cuckt by mr shekelstein
>>69029490
Okay I'm completely ignorant. What is sql/sas? A programming language, and are there free online classes to learn it? thankss
>>69032207
Retard. Everything in banks runs on software. As an economist you don't even need to think because a computer does it better than you.
>>69037982
>not a science
There are basic laws like if you have less money you tend to save more and if you have more money you will buy more of good x but not much more because the income/demand elasticity is fairly low etc. you can use it as a science as long as you go deep into math at the same time and i'm taking calc3 so it's all good
>>69028832
FPBP idk why no one else said it.
People romanticize things far too often.
>>69037428
>I moved out at 16
Hows renting and/or living in a trailer working out for you?
>>69037923
iOS and\or Android dev
>>69037965
Mind you, I'm speaking only to the Canadian (and perhaps broader North American) market. The situation in the UK is insane.
>>69037761
I'd have to imagine there's a set of rich dudes out there willing to pay to have it chopped down to 8 inches, while they get the extra length.
>>69028688
Don't move out
Stay with your parents; someday they're going to need your help
Moving out is a scam
>>69028688
ausfag here
i moved out to living on campus when i was 18
i work about 20+ hours a week part time and study a full-time load (4 subjects)
i support myself fully + i lift and eat properly
what's your excuse, lazyfags? i also have 22k in savings
>>69038353
how much is land per acre in the dead center of your shitty island? 1$? exactly. find that here.
>>69038245
This guy gets it.
The moving out at 18 or you're a manchild meme is a maymay perpetuated by the kike media.
Yes, goy, kick your children out on to the street.
Yes, good goy, move out at 18 and get yourself into debt and live like shit and don't save any money.
gooooooooood goyyyyyyyyyy
>>69038149
Everything in a banque runs on subsurface scamware like MoneyVest or Ceto ARS. Allows banques to skirt minimum hard cash counter deposit regulations all with the blessing of the FedJew.
>>69028688
Not every job is Starbucks or an office job. Get a certification in something not a lot of people want to do, like trucking.
>>69038226
The UK proeprty market is pretty fucking mental.
>>69037965
I'm going to have to do that, at least then the guys renting will be covering the mortgage.
>>69037150
I was looking at Ridgewood, Wayne, Matawan, somewhere around the Old Bridge area.
>>69037844
>Econ 100
>hard
>>69036855
>Colon cancer (T4aN1aM0) after a decade of improperly treated ulcerative colitis. Narrowly avoided a permanent ostomy.
That's insane..were treating you for anaemia before diagnosis or what was the prompt to eventually get diagnosed with IBD? I take it your surgical cure was bowl resection?
This struggle early in life clearly made you the man your are today, kudos.
>>69038143
wtf has this to do with being edgy? stop shitposting straya
>>69038353
That's all fine and dandy until you get eaten by a 6 foot spider
>>69038590
Yo I'm an econ ba major as well, so far 201 was breeze and am currently taking 202 which is coming along as a breeze as well. Is ECON useless?
>>69038353
You've done well good goy but you would've saved a lot more money if you stayed with your parents.
also
>living on campus
lol why?
>>69038590
was relatively difficult with the professor I took it with. class average was C- on all exams.
>not moving out of the house at 18
How do you expect to function as an adult? You'll be laughed at being 24 with absolutely no rental history if you go that route.
>>69028940
>CC bills
>no debt
>>69038750
>renting
>>69028688
I'm 28 and saved up 100k over 3 years living at home after graduating
Now I'm buying a duplex so I can minimize my cost of living and live comfortably. Just save your money op, you've got decent assets, keep working and you'll make it out just fine.
And take this time to build a good relationship with your parents. Moving out at 19 or 18 never really gives you the chance to get to know your family as people. These are memories you will cherish as a family forever.
I went through a degenerate phase from 17-22 and just now started getting my life together . I'm finally going back to school in the fall.
>800 a month job
>no savings of any kind
>23 yr old
>no prospects of leaving parents house soon
>My Lexus is paid off though.
Am I fucked /pol/?
>>69037611
I'm 25, I live in Quebec so the tuition fees are pretty much the lowest in North-America. Sadly living in Quebec comes with high tax and low salaries.
2k per month is barely enough to rent something not too far from university and food but there would be nothing left at the end of the month.
>>69038558
My M8 is a piilot who was fucked because senior aviators are not retiring anymore. Bought two trucks and is 3 days on 4 days off doing high end transport and loves it.
>>69037844
So, would you say that you've dedicated a lot of time to reading books?
At my university we have multiple choice tests and they can literally ask you about any fucking thing, and you have to have a whole book in your head, apart from so called "open questions" where you have to write something in your own words
I'm trying to compare polish shape of BA with the american, because when I'm reading all the things here, personally I think that if I also worked during my studies, I wouldn't be able to get good grades, maybe even not to pass a year at all, or maybe I'm just this dumb
>>69038909
i scan books. everything that is on tests is in lectures. i never skip lectures.
>>69038826
>800 a month
>mfw I get that much from centerlink for doing nothing
>mfw I still get to attend uni AND get my disabilitybux
Feels good to live in a 1st world nation.
>>69035540
The thing is: Why use credit cards at all?
No financially responsible person buys on credit. I'm not talking about a house, but <1000$ items. There is no reason to let it all run through some kind of special credit account that allows you to go into debt, if you don't want to go into debt anyways. Might as well just pay straight from a regular bank account. The only one profiting from this setup is the bank, from the mindless people who can't control their spending habits and slowly run up credit card debt they have to pay interest on.
That's the only reason this whole credit card culture was pushed on you people in the US. Cucking aside, I'm glad Germans are absolutely unwilling to go into debt and this stuff never caught on here.
I wonder how many people who replied to OP are poor as fuck, and probably jealous.
>>69039095
Good post.
>>69039076
I tried community college in 2013 but my dumbass failed econ so I lost my Pell Grant.
>>69039005
do you have multiple choice tests?
>>69031068
Honestly, the only thing I'd gain is slightly more peace and quiet than I already have, and a girl if I were to put effort into pursuing that, but I can't honestly say I'm particularly interested in women these days.
I'm not sure I'd move out even if I had to pay rent.
Maybe I'm just crazy or something, but what I have already is pretty fucking good. Sure, I don't have a car, only $3k in savings, all my shit is 5+ years old... but it's comfortable and pleasant.
Why should I want more if what I have is already satisfying? I wouldn't even know what to do with the money if I made ~20k+ a year.
>>69038642
My parents completely fucked up my medical care -- I first started displaying symptoms of IBD at 11 or 12. It wasn't until 14 that I was diagnosed and then at 16 that I was brought to a proper pediatric hospital. Shortly after that point I repudiated them. Thankfully my growth wasn't permanently stunted and I shot up to 6'3".
My gastroenterologist and old Canadian surgeon were both incompetent. The cancer was discovered accidentally after undergoing emergency surgery for an obstructing stricture (which proved cancerous). They then misdiagnosed me with Crohn's and limited my surgical options, causing me to nearly receive a permanent ostomy. I rejected their assessment of the evidence, traveled to the Cleveland Clinic and received a j-pouch after paying $40,000 USD. I then connected with the late Rob Ford's surgeon (Dr. Zane Cohen) for closure of the ileostomy.
Thanks man. It shaped me permanently, for better, mostly.
>>69039095
read it yourself if you're really interested
https://www.americanexpress.com/us/credit-cards/blue-cash-everyday?nc=yes&linknav=us-ccsg-cardshop-cm-viewallcards-learnmore
