>>62113939
Why didn't he invest that income?

>>62113939
i could stop working for years

he should tell his wife to get a job too

>>62113944
Because most of these people that make a shit ton of money have 0 clue how to invest. Because they're retards.

>>62113939
Next time he'll know to invest that income. Or at least pay off his house as fast as possible.

I make $155k and hate my job but don't want to leave because I'd need to go back to school and you guys are making me think I won't be able to get another one

>>62113944
Because he didn't save much thinking his job would last forever

>be twatter influencer
>invent some story to go viral
>be op
>you are gay
>browse twatter
>wow this is a good demoralization post
>/biz/ needs more of these twatter screenshot stories

>>62113944
He has a wife. Do you think a woman will stay with a man that cautiously invest for future safety when she can find a man that will blow his salary buying her fancy bags and shoes and jewelry?

I got an offer today for associate director of AI strategy so pretty decent

>>62113953
i got the last 4 jobs i interviewed for. i am surprised also. i think its interview practice. aka youll be fine if you can interview well.

>>62113939
That guy sounds gay.
He should suck some dicks to make up for his monthly shortfalls. Simple as.

I love how everyone here blames like his fault tech is getting completely fucked

>>62114132
you should learn how to read

>>62113939
Fucked up my interview.
Always lie in interviews, always

>>62113939
Forklift certified
Job hunt is as easy as picking up the phone. Everyone needs a lift driver

I just got a wfh healthcare job making $200k. Pretty chill i take a 20 minute break each hour to exercise or do a chore, or watch a show

>>62113939
>checks bank app before getting out of bed
Literally me. I have until the fourth quarter of this year before I run out of money and zero desire to do the humiliation ritual for the jobs that don't exist.

The bullet should've hit.

>>62114157
Holy fuck are you single?!

>>62113939
Tough shit happens when you're stupid

I wish there was some sort of way I could save the money I earn without investing it or incurring loses due to inflation. Investing is fun but I think having it be a requirement for everyone to participate in society without automatically getting poorer isnt good.

Like imagine some sort of storage secured by the government that stored your money without converting it into shares and even gave you additional money based on the level of iinflation. A silly and unrealistic prospect I know, but a fella can dream.

>>62114276
You just described bitcoin

Or gold if you're a boomer

>>62113944
Invest? In stocks? Which are down 20% already this year?
He invested in his family. Their family home.

>>62113939
>motherfucking 4.7k a MONTH in a mortgage
>two cars (highly likely in debt in both)
>even further money spent on frivolous vacations

And this is someone that is considered smart and prestige enough to earn 260k a fucking year?

>>62114319
America is a gambler's paradise. He did it right. He might have won. He still might win.
You wanna count your pennies and live a frugal life then move to the 3rd world or Eastern Europe (even here people are embracing American lifestyle).

His wife should get a job, unironically better chances than him probably, but no they rather burn all their savings until theyre broke and have to sell the house?

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>>62114355
>He did it right
No, he didn’t. None of that shit improves your quality of life in any meaningful way.
>Giant, fugly McMansion
>Full of empty rooms you don’t use
>Dust everywhere
>Gotta pay to clean it
>Drive fugly BMW SUV whales
>Paycheck-to-paycheck despite making fucking $300k
Met so many retards like this. You know what makes you happier? Exercise, camping, quality time with your spouse, etc.

Consumer goys are so fucking stupid. Get nice shit. Don’t buy ridiculous shit.

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>>62113939
Still stuck making 16/hr in a work from home customer service job I hate while living with my mom who lives herself in the middle of nowhere.

I almost got a hotel security job(they interviewed me and the boss guy seemed to like me because I have Corrections experience) but I dont think they hired me because I currently live so far away.

God im so desparate to just raise my income. The fact that its remote means nothing to me anymore. Seriously the pay is so shit I get fucked over trying to rent any place because they want 3x the rent in my monthly income(I barely make 2k and with places being 1k minimum its a big failure) and my mom refuses to sign off on anything just so I can at least have a place in advance closer to the better jobs.

>>62114319
He felt he had job security and is pulling in a metric ton of cash. What do you think he was gonna do? Stay in his room and leave it accumulate? Or move onto the next stage of his life and invest in giving his family the best life they could have?

>>62114683
>they want 3x the rent in my monthly income
I don't know how apartment complexes are making any money with these practices. Even normalfags don't meet their insane requirements anymore either how much the cost of rents have risen. Roommates aren't tenable for a lot of people.

>>62114276
I think you’re describing TIPS

>>62114276
I bonds.
you’ll always beat the (((official))) inflation numbers but you won’t beat the market. Alternatively put your money in a CD/HYSA and look around for the best deal every time your current promotion ends.

>>62114289
The s&p 500 is not down 20% lmao

Also his wife will leave him and get the house lol marriage is the worst financial decision you could make

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>>62113939
>4700/month mortgage
>spends 5500 month
normies cannot do numbers or money its completely impossible for them. just totally lying or ignorant. minimal abstract thought ability.

>>62114276
Literally just short term treasuries/SGOV or if you're lazy and want the bank to take some if that and do it for you a high yield savings account.
>>62114319
This is what my gut reaction was, but the other anon is right. If you're making lots of money it's fine to spend lots of money. I consider the person (probably made up) to be retarded by hemorrhaging cash on stupid shit but if you have the money might as well spend it.

Biggest issue is getting married. Apparently the wife just doesn't work? Equal fights bitch go get a job. Half the reason his mo they expenses are so high is a second car (for the wife) and a large house (to put the wife in) and food and vacations (for the wife). He fucking played himself. Gaurantee she divorces him and takes the kid and the house because he can't provide for her anymore lmao.

>>62113939
I lost a SWE job earlier this year. Had another one for higher pay within 3 weeks. Job market is fine for anyone more senior with real skills. Maybe webshitters and IT are fucked but they're retards anyways.

and then there is me

bulgarian

1500 euros per month

house fully paid

more than 10 years of savings

kek

mutts are rich but only in their dreams

oh and his "house" is made of OSB and 2x4 so its technically a birdhouse for us EuroBVLLs

>>62113944
The vast majority of rich technigs are regular people that struck gold during covid. They are as good at investing as the average person.
Also, most of them buy into retarded lifestyle creep like getting an overpriced house on an overpriced area where the only options for daycare cost like 10k a month because they know someone that did the same.
If you are on Blind, you'll see tons of personal finance post by niggas at places like Google that are living paycheck to paycheck on 200-300k and it is almost always the same combination of housewife+daycares+house costs.

>>62115539
I don't get how tech bros are so bad with money and financial decisions. I imagine Gen Z is the worst with this because of social media. But if you're ~30 years old, you don't need a mega mansion. You need a townhouse and two reliable cars with low-ish car payments. That's it. Most of your money should be going towards student loans if you have them, which most do.

>>62115539
>>62115591
Trying to live a middle class lifestyle from the 1990s but in the 2020s will bankrupt even a $300k/yr techbro.

>>62113939
>this is someone I saw winning in real life
>Wife at home
Lmfao

>>62115591
Techbros spend a majority of their time consuming streamer or social media content, being influenced by their gimmick filled lifestyles where guys are getting girls $10000 purses and driving moronically expensive cars that are often just rented out to them. Often as well they get a girl that likes them for the money not who he is so he never reels himself in on his personal time and eventually just goes "the more I spend the better life is!"

>>62114816
Honestly speaking that much was totally doable on my previous jobs my current one is just raw dogshit paywise. I just rolled with it because my unemployment from my previous 20/hr WFH job was about to dry up and it was the first remote job that actually responded to my app.

Taking it was the worst fucking decision of my life. Should have moved out when I still had the previous jobs income going. Im an unskilled worker mind you I have nothing documentationwise practically but a GED and a paper saying I graduated a Corrections academy but boy ive gotten by better in the past financewise than this. Think ill look up some Janitor shit too but damn its like the only places sometimes that feel like are actually hiring are the ones where your resume doesnt matter, they need just need ANYONE AT ALL.

>>62114683
how do i get a shitty work from home job? i can spare a few moments between shitposting all day to pretend to be nice on the phone

>>62116059
>>62115539
>>62115591
>Trying to live a middle class lifestyle from the 1990s but in the 2020s will bankrupt even a $300k/yr techbro
THIS. This really shows just how big the wealth gap is. 300k only affords a middle class life.
>>62115591
Because everyone wants a middle class lifestyle

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>>62113939
>Got a decent job
>finally can afford a decent place on my own
>still hate all the women I meet
>not sure why I'm doing any of this
It's going I guess.

>>62116145
Google up "Conduent Remote Healthcare Customer Service Represenative job". I doubt youll have issue getting it, its the job I currently have.

Be warned though you probably wont be spending a "few moments between shitposting" often. The call volume majorly outpaces the staff and turnover is high because the volume absolutely doesnt match the wages. Take it VERY seriously when I say that because its not my only call center job, shit gets bananas and sometimes I wish I was back just having a register at fuckin Safeway. They will ocasionally force over time and slice you down to like 32 hours a week as well despite how little you already make and that fucks up any overtime you may want or need.

>>62116219
thanks for the tip but they're not hiring in my state however i might be able to find something similiar
i dont give a fuck about ajob at all i just want to be a drain on the system lol what are they gonna do fire me?

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>>62113944
I wonder why

>>62115164
>If you're making lots of money it's fine to spend lots of money
That's fine. Don't start crying to others when you're down to your last 1k in your bank account. That's your problem, deal with the consequences. No one owes you anything, remember that before you get high on your money horse. Goes for all tech leeches.

>>62114319
>4.7k a MONTH in a mortgage
That's pretty moderate for 2022-today mortgages

t. locked in 1.6k in early 2021

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>>62113939
I already have a job, good pay, but I'm getting no experience here and I'm just rotting away. Every now and then I'm trying to look for a job, but the market is so grim that I just give up after a day or two.
>>62114276
The government wants to encourage you to participate in the economy with your money instead of just hoarding it.

>>62116723
normies can't be fucking helped bro. All you have to do is say something like "man I hate quiet quitters" every couple weeks with zero change to your approach to work and your manager will think your his most faithful house nigger

>>62116692
>be American
>pay 40% taxes
>get nothing

>be european
>pay 33% taxes
>get free healthcare
>free college
>free childcare
>30 days paid time off
>sick leave
>paid paternity/maternity leave

>>62116692
>be American
>pay 40% taxes
>get nothing

>be european
>pay 33% taxes
>get free healthcare
>free college
>free childcare
>30 days paid time off
>sick leave
>paid paternity/maternity leave

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>>62116794
>be German
>pay 50% taxes
>get free holocaust-indoctrination in school
>get free homo indoctrination in college
>get free access to poissons such as chemotherapie
>get free rapists from arab countries
>get free price increase on gasoline

God i love Germany

>>62114276
Cool it with the anti semitism. Coin clipping is central to our democracy.

>>62113944
How would you even invest lets say 6k/month. Explain like im stocktarded

>>62116851
You buy VOO every month and forget about it.

>>62116145
try dataannotation.tech, make training data and evaluate the claudes and geminis and whatnot

>>62116817
kek

>>62116692
Most of these can be summed up as the wife tax.

>>62113939
So everyone else in the country is so poor they cant afford a house and that guy thought his gravy train would never end? Haha, thats funny.

probably doesn't want to upset the wife with a downgrade relocation because he's afraid she'll leave

he only had 60k saved when he got fired? what the fuck?

>>62117048
Most Americans own their own home.

>>62113953
If you havent saved/invested at least 70k/yr for every year youve been there youre a fucking idiot.

>>62113939
Bro was making low six figures and living like he was a millionaire

>>62113939
I still have a few months runway left and then I'll get a cozy part-time job in a kitchen somewhere, which are always hiring because the industry has a relatively high turnover rate overall
if that doesn't work out I have a few less cozy but still pretty cozy fallback plans

>>62116179
You can live a middle class lifestyle, when you're 40, have a safe career, and your student debt is paid off. You don't need $300k per year for a middle class life unless if you live in like downtown Manhattan or something? Who tf needs $300k per year for middle class? I can see a nice middle class couple making around $200k combined in the middle of your careers.

>>62114289
>He invested in his family.
>multiple vactions a year
Yeah Im sure they'll appreciate all those trips when they have to deal with college debt 15 years down the line.

>>62116794
>>free college
Outside of having to pay higher taxes to finance the trillions that would cost, it would lead to higher enrollment rates at colleges in the US as well, which would make the degrees in question about as worthwhile as a high school degree is now. Bachelor degrees used to almost give you a free job, now it's the bare minimum for many positions.

>>62114289
Well he has to sell his home at a loss and what good did those stupid vacations actually do for them besides cool Instagram posts?

>>62116692
>$1,500,000 home ($5k/mo mortgage)
>$12k/y on private lessons for the kids
>$18k on charity
ah yeah the average family

>>62113939
>DUDE JUST SPEND ALL OF YOUR MONEY LMAO
i make $150k and i live like i make $70k. if i made $260k i would continue to live like i made $70k.

>>62115539
>getting an overpriced house on an overpriced area
>>62115591
>You need a townhouse and two reliable cars with low-ish car payments.

You don't seem to realise how worth it, it is to get away from turd worlders and niggers. I have friends in a gated suburb near me, i live in the hood in australia. Their areas amazing, its the only place i've seen in the last decade, where kids regularly play out in the street, and they're 90% white too.

>>62113944
I think lot of high earning tech employees are actually just egotistical midwits who got lucky with their career choices and didn't have the foresight to realize the same reasons other engineering fields pay so badly in comparison was going to catch up to theirs now they bitch and moan about indians and automation replacing them. like no shit bro your last 3 employers never turned a profit

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>Carlos R., 44, earned his MBA and spent over a decade in IT consulting, bouncing between Fortune 500 contracts and clearing well into six figures at his peak. He had the full setup. Condo, leased BMW, side bets in crypto, and a five-year plan mapped out in spreadsheets.

>Then came what he calls “the compression.” Projects dried up, contracts shortened, and eventually his role was “restructured” out. He figured it was a temporary reset. It wasn’t.

>“I thought the degree was insulation,” he says. “Turns out it was just overhead.”

>After a year of chasing roles that either vanished mid-process or paid half his previous salary, the math stopped working. Savings ran out. The condo went. The car followed. What remained fit into a few bags and eventually into a plywood shelter near an overpass.

>Now he runs a small, unofficial taco setup a few blocks away. No permits, cash only. He preps in the morning, sells through lunch, and shuts down before enforcement swings by.

>“It’s still operations,” he says. “Sourcing, pricing, throughput. Just…different margins.”

>He tracks everything in a notebook he keeps tucked under a plastic sheet. Old habits.

>When asked if he plans to go back to IT, he shrugs.

>“It's so cold outside.”

>>62114159
Do you ever take a break from being a huge faggot?

>>62114750
You only deserve the latter if you have 10 million in liquid cash. If you have less than that you gotta do hobomaxxing, live like you have only have 10$ in your bank account, till you achieve the 10 million.

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>>62118103
>its the only place i've seen in the last decade, where kids regularly play out in the street, and they're 90% white too.

mate you are on 4chan where most of us frequently try to not go outside. How is any of what you are saying at all supposed to register as a noteworthy positive to any of us? At least from my perspective that all sounds absolutely god damn pig shittingly worthless.

Maybe if you have a nice car and have to park it outside sure but you just need a garage end of the day there not some window of ignorance.

>>62113973
Incel

>>62113944
>Woman
>Kids
Well - there goes your money.

>>62116692
>23k for food pre-covid
Lulwut

>>62119219
man, your childhood must have been awful for that post to exist. Im sorry your parents don't love you, and you're soo mind-fucked by jews, you can't even COMPREHEND what benefits there are, living in a homogenous society of white people.

>>62115124
Anons been in a coma for the past few weeks

>>62118103
Back in the day you could live at a place like that essentially for free by just being born a ruralfag like me, but the jews made sure to kew away all the rural jobs that aren't related to selling meth, so I was forced to move to big cities where people live like bugs.
The industrial revolution in the hands of the jews has had catastrophic consequences for the human experience and soul.

>>62113939
>making 270k
>somehow down to 22k
deserved

The problem with job loss is that no matter what your finances are like, the mind forms a baseline of normality, and any significant shift can cause severe mental anxiety. I started tracking this year, via a method recommended here, and I save about 60% of my take home + tax advantaged deposits, but if I lost my job tomorrow, I'd still be freaking out, even though my cash runway is a few years, and if I sold stocks, significantly longer.

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>>62113939

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>>62120833
>>62114289
>1 day : S&P up 0.26%
>5 days : S&P up 2.75%
>1 month : S&P up 5.06%
>YTD : S&P up 2.62%
>1 year : S&P up 30.42%
>5 years : S&P up 70.5%

what the actual fuck are you talking about???
considering it's at an all time high now, it's literally impossible for you to have LOST money, unless you bought high, sold low, bought high, and sold low.
I
t's not possible to have LOST any money in the s&p 500 unless you've CHOSEN to do exactly that by making a series of BAD trades.
PLEASE explain what the fuck you're talking about, or shut the fuck up and stop posting.

>>62117668
Big words, how much money do you have?

>>62113939
learn to weld FAGGOT

>>62113939
11 months in. Just finished round 4 at a MATANA company (Meta, Apple, Tesla, Alphabet, NVIDIA, Amazon). It went well. Crossing fingers for the final round.

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>>62113939
I have been with the same company for the past 10 years. I have only ever written a single(one(uno))) resume in my entire life. Took the very first job I got. AMA

>>62116851
Put literally all of it in dividend paying stocks and ETFs. Borrow margin to live. Let dividends pay margin interest, then let them snowball into paying your monthly spend, then pay down the margin loan, then you're free