What was your biggest financial blunder? Have you ever made a

>bought a van for 2k
>put $500 into it
>doesn't run
>can't get $500 for it

I was playing cashflow 202 and I brought a brand new sports car. It cost me $1,000 a month and it cost me the game.

I also fell for the Initial D meme and spent almost 15k on tofu race cars when I was 18.

NIGHTS OF FIRE

>>1698220
Getting $400 in credit card debt because I got really really blackout drunk during my initiation party and decided to buy a lot of weed to celebrate.

I use that experience as a reminder to avoid getting too drunk when having fun. Paid it off but it took my entire first paycheck from my shit part time job as a freshman.

Now at a good law school at year 2.

When I was playing world of warcraft I once posted a bunch of items on the auction house for 40 gold a stack instead of 40gold each and lost about 15000 gold. Never really got over it.

>>1698269
That hurt to read R.I.P

Used credit card to buy macbook pro just to get the bonus flight miles

Used said flight miles to visit gf in asia

She breaks up a week after i arrive

Took a year to pay off credit card

>>1698288

What the actual fuck, lmao.

>>1698288
Fuck sort of the same thing happened to me, m8

>>1698220
the worst ive done is buy a gym membership and never go. i blame the men for staring at me. i dont even have muscle. get a fucking life.

>>1698288
fukken kek

I rushed through school in two years instead of four; literally got my Bachelor's when I was 19, really thought I was hot shit and beating the system at the time. I did it to cut down on student loan debt and get into the workforce more quickly but soon realized that:
1. In order to graduate so early, I had to pick a major that wasn't necessarily my first choice, well before I knew what I wanted to do anyways
2. I couldn't get an internship during my only college summer because I was literally underage during most of the application period and had an almost-blank resume

The lack of experience in me not being able to find a serious job once I graduated, so I decided to go to grad school and took a year to go through the admissions process only to end up getting weeded out halfway through because my undergrad program hadn't taught me a lot of the required math for the grad degree.

So, in essence, by graduating two years early, I sacrificed a large amount of my earning potential and then ended up wasting the two years anyways.

Depending on what I would have done in full four years of undergrad (my original plan was to study accounting but the business school wouldn't consider applications from junior transfer students, which I was considered to be even though all my credit was from AP, and ended up studying Economics) and the series of internships I could have taken leading to my first post-graduation job, all of this probably cost me many tens of thousands of dollars in lifetime earnings.

Hopefully not fucking up by going to med school. It's going to cost me $80k/yr for tuition+living. I'll be 320k in debt by the time I graduate and it has a 7% interest rate. By the time I'm done with residency, I'll be ~500k in debt. Fuck man I better be doing orthopedics or some shit to pay that off.

How the fuck did it get this bad

>>1698220

Bought one of those affiliate marketing training courses online and never made a dollar off it

>>1698220

Lost $10,000 investing in GEVO and PTN

>>1698248
How the fuck do you buy weed with a credit card?

>>1698390
> $ 320,000

Holy jesus batman

I mean, at least you're going into the only kind of career that could pay that off

but damn fuck that

>>1698220
>Invest 30K in three different businesses, telling myself one will succeed even if the others fail
>First business is a thriving mart that is still alive and running yet now agonizing because 2 competitors set up shop in the span of 3 months, thereby dividing revenue by 3.
>Second business was also a mart that was mildly successful before it died because of a shitty cumguzzler landlord who after 8 months suddenly care I pay rent in 60 days even since I did that since the beginning.
>Third business is a restaurant that turned out to be a huge failure with not enough customers to even break even after several months and the novelty effect gone, sucking all the benefits of the marts when they were at their peak (around $1500/month, which was not bad considering the workload was very low).
After 2 years, I have no benefit to my name and are forced to liquidate assets for the BBQ to pay debts I contracted for this business and the first mart. I consider myself lucky if I can sell everything for 1/3 to 1/2 of the initial investment.

Thankfully, I found a job and a career path so /biz/ was probably not made for me.
I also open a very small coffee breakfast shop next month in order to use the assets impossible to liquidate, keep a professional address for the Business Visa and provide a job to my sister-in-law who is unemployed since I closed the restaurant (great girl, worked 7/7 but not very bright). I don't expect to turn much of a profit but the rent is incredibly low so hey, no risk.

>>1698409
Money transfer apps exist

>>1698220

Put ma penis in an American women.

Went and bought 600 dollars in clothing for gf. Got cheated on 6 months later

>>1698445
>great girl, worked 7/7 but not very bright
is she single? sounds like prime wife material.

>>1698467
Yes, it's a long story. These days, she plays with boys on Badoo but it doesn't go far. Her and her 2 sisters are prime wifes indeed, and thankfully, one is mine.

My idiot cousin hooked up with one of these sisters, an incredibly cute, kind and well mannered girl but broke up after several months because of his Avoidant Personality Disorder, which is incredibly stupid because not only you don't find wifes like this twice in a lifetime, but she gave him her virginity at 28 years old, thinking she could trust him even before marriage because he was my relative.

Ah well, it's not /biz/ related anyway.

>>1698472
so how do i get my hands on one of them?

>>1698479
Move overseas. Try Kazakhstan, Mongolia, Cambodia or Laos. Those poor countries are a good mix of traditions and progress so even if you've local whores like everywhere else, if you're not an autist and actually meet people, chances are it won't be hard to get your hands on one.

>>1698288
And even after buying the PC she made..

>>1698482
asian girls are gross though.

>>1698248
> Law school
You positive your $400 dollar debt was your worst financial decision?

>>1698288
>gf in asia
Why do you dumb weebs always fall for this?

>>1698220
haven't you ever heard the old saying
>the only 2 happy days in a boat owner's life are the day when he buys his boat and the day when he sells it

>>1698390
As someone who's from a family of doctors and have roommates/friends finishing up med school. I highly, highly recommend looking at other fields to get into. Medicine has changed. Insurance, salary cuts, and over supply of med students mean your chance of getting a "good" position go way down. The risk reward really isn't there. But hey, if you actually love like live and breathe medicine then go for it. Otherwise it's a hell of a commitment for not much pay back.

Getting a master degree that did jack shit for my career

>>1698234
>>1698242

Are you me?

Fucked takumi and his cunty ae86

>>1698220
Back when I was 20 I already had a good amount of money from saving since my first job at 14. People started catching wind of my massive amounts of money, and many people starting companies came to me asking for investments. I felt so bad turning most people away, as I believed in the dream of starting from the bottom and going to the top. So I eventually invested in a clothing company against my better judgement, it flopped obviously.

Lesson learned, now I don't care who the fuck you are, you get none of my fucking money. Unless it's a non-profit charity that I trust, I do everything with my money.

>>1699241
>People started catching wind of my massive amounts of money
why did you tell them? if you kept your mouth shut it wouldn't have been a problem.

i'm a phd student and since i started i bought two condos and a house. my adviser and lab mates only know i have the one condo. they only know because i needed an excuse not to do shit with them so i told them i bought a condo and i'm busy renovating it.

>>1698234
It'll probably get 3 or 4 hundred for scrap

>>1698234
Never buy a non running vehicle for more than $500. Unless its some type of classic.

I have a similar story though.

>buy van for €1700
>engine runs, but needs complete overhaul and body needs paint
>€400 in unpaid road tax and insurance
>€600 in parts, mostly NOS
>€800 for engineering services
>€1200 in mechanic fees
>€800 in bodyshop fees
>€3000 for paintjob and paint

Took two years from start to finish.

>>1698487
Doing what I find fascinating is worth it.

Not to mention I wasn't a fucking moron and scholarshipped my way into law school. Isn't hard to do if you actually study for the LSAT

Haven't made too many absolutely awful ones,
worst one is not studying hard enough for one of my exams which is going to cost me 10k because i won't be able to go part-time student for my final semester

My mortgage. I bought a fixer upper in a nice part of town, but my mortgage is 40-45% of my monthly take home, leaving me working paycheck to paycheck in a deadend shit job

Parents saved money for me in an UTMA account and handed it over to me in 2009. Lost like 30% of it on some stupid fucking bio tech stock, took 20% of it out to spend, and put the rest in some REIT that pretty much got me a 3% ROI from 2010-2013 before I put it in an index.

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>>1698269

>>1698220
I lost 5000 euro in one single day in stocks after brexit for 5 months. Recovered from that with small profit this month.

>>1698391
l o l

>>1698465
c u c k
u
c
k

>>1699299
come on man.... :(

>>1698220
College

Specifically going to a public university in my hometown so I could live with my parents and stay with my girlfriend.

>>1698220
I lost 17 bitcoins by margin trading it.. i felt like i was the next crypto buffett, but it was not meant to be

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>>1698381
maybe you won't be a know-it-all little shit next time

I first started having decent savings and disposable income, I decided I needed to start investing. Moved 75% of my savings into mutual funds

this was 2008

>>1698510

Yeah I'm really thinking about it. I don't think oversupply of med students is a huge issue though, there's 18000 med grads and 22000 residency spots every year. The schools I've been accepted to are US MD and have >99% match rates.

That said, insurance and reimbursement concerns are real. I like medicine enough to read about it on my own time and have done enough research on it to know it fits me. The loan amount is just absurd and I'm hoping that by the time I become an attending, the avg salary will still be $200k+.

>>1699434
kek

My ex-girlfriend. Not falling for the woman meme again.

Not. Even. Once.

>>1699442
Yeah as long as you think it through then act on it. So many kids are all "I'm going to be a doctor and make 700k starting. Yolo I'll take the debt" and then get rocked later in life.

>>1698220
My biggest?

Buying an SUV for $11k and selling it for $9k when the vehicle was in way better condition than my current car.

My next largest? Buying a $3k laptop and selling it for $1800.

>>1698391
Same

>>1698465
Why would you do that?

>>1699299
What was wrong with the home?

Was living with some relatives while working and lent them some money for a down payment when our landlord gave us notice that he was planning on selling the place and my uncle was told his work contract wasn't going to make him move. There was literally no other rental we all could fit in so I helped them get the duplex, and they paid me back a bit as they could afford to.
So when less than two years later he had to move due to work all of a sudden they had two places to pay for - again, no rentals. I was doing all right so I lent them some more money for the down payment, helped while he was waiting for reimbursements, etc.
Then the rest of my family started in on it and I let myself get guilted into lending money to most of my family members and coworkers.

Some paid me back quickly, others slowly, most with interest. Some took years to pay back a few thousand while taking trips to the UK for "work", one paid me back $4000 in two weeks by renting out the skidoo he bought to some surveyors who showed up the day after he bought it.

All together I've lent out $232k over the course of 13 years - never actually added it all up before and for the most part it was in small increments so I never really noticed.
Still have $150k lent out, haven't lent any out since May 2015

Bought and held UWTI, $35,000 down to $3,256

>>1698220
Medical school

>$300,000 into a professional line of credit at 2.7%.
>Maybe $23,000 in material assets in the form of two vehicles
>Paying off only the interest until June 2017 when I graduate, then principle kicks in
>Can't get a residency position until July 2018 at the earliest, because my test dates are all fucked.
>going to be working as an orderly or some shit until then

tl:dr- Friends don't let friends become physicians.

>>1698220

>Invested all of my money plus took on margin debt in VRX. Probably about 75-80k total. I'm 24yo
>shit tanks like a mofo, down more than 50%, down about 35-40k, nearly all of my money.
>don't sell because I have balls of steel
>it comes back briefly after earnings and I walk away with about a 15k loss
>make almost all of my money back at the end of the year with a separate investment
>whew lad I could've been broke if I was a pleb with weak hands

btw this was just my worst decision of 2016. I have also walked away from an IB job to pursue a much lower paying career because I like being comfy
other bad financial decisions include browsing 4ch for 10yrs
shit really makes you think

>>1698390
DON'T DO IT!!!

I'm just finishing my 4th year, and can tell you it's honestly not worth it.

Residency positions aren't keeping pace with the number of applicants- and every year you sit without matching you get less likely to match.

The American system is converting over to MACRA aka pay by performance (as in the patient grades you and you get paid off that).

Plus you need to deal with that fact that you will be getting sued. Not if, but when. Two friends in residency are already named in suits, one of them wasn't even in the building when it all went down.

9/10 physicians say don't become a physician right not.

>>1699599

Jesus.
Well as they say: don't lend to friends and family what you can't afford to give away as a gift.

I'm on they ten year/never repayment from family plan too, but significantly less than you (like 6 grand to my brother)

>>1699708
>don't lend to friends and family what you can't afford to give away as a gift
Luckily I was in a situation where that was workable.

I make a good hourly wage, living expenses are reasonable, and until a few years ago I wasn't really planning for the future so my money was just in a savings account and some 5-year locked in TFSA and RRSP GIC accounts.

After the first rollover for each I saw how little they were making so I'm moving my money around and educating myself. Should have done it much earlier in life but I was (still am) riding on an assumption of permanent disability in the near future. Difference is my attitude used to be "fuck it, when it happens I'll off myself" and now it's "fuck it, I'll figure it out so I need the safety net".

Never lending money again though. One relative who took six years to pay back $5k still doesn't have a real income and is always doing GoFundMe bullshit to raise cash for her next album or tour.
I'd be fucking embarrassed to ask for money from people more than once if my dream was so clearly not going anywhere.

>>1698220

College.

> $50k debt
> 4 years of life wasted
> Absolutely no advantage in job opportunity

to be fair I picked a business-ish degree and didn't pick a rock solid career track, but still.

I was raised by boomers who were all "just get any degree, it doesn't really matter, the degree will get you a job"

cause that's how it was in their day.

>>1698390

Wow. You'd honestly be better off becoming an electrician or plumber.

By 24 you could be making almost $100k a year. No debt. Save, invest, maybe start your own little company. You would be so far ahead of doctors it's not even funny.

Academics has gotten completely fucked. And no track is safe anymore. Not even medicine.

>>1699705

What else then bro? Career wise

I'm fairly certain I will match. I'm going to a good US MD school. Great match list every year.

I feel every career has its fair share of bullshit. I love basic sciences like physio and Pharm and I truly enjoy helping people. Not sure what other careers, barring mid level providers, can provide me that.

>>1699738

Yeah but I have no interest in those trades. I can't make the money if I can't muster the willpower to go to work.

>>1699748

Well yeah sure, if you enjoy it then that's a big part of enjoying life.

>>1699743
Even if the odds of matching are prime, those sweet gigs in great programs are going to people with connections.

It's true, every career has its bs. But no career is like this. Not even in the slightest. Every time you see a patient, you put yourself on the line. It gets hairy when you walk in the room and the first thing they do is ask your full name and how to spell it. I know an attending who was slapped with $6 million settlement for a kid who was born with cerebral palsy. He's mid-60's working 100 hours a week, taking 20+ students just to pay that shit off.

I too, love the medicine- and have no other real life skills. If I were to do it over again, I'd be a PA. Great pay, no overhead, limited liability. Two year course, and you get to do essentially all the same shit.

Do that for a few years, make contacts and a name for yourself, then reconsider going to medical school. At least then you'll know what you're getting into, unlike me.

>>1699766

PA is definitely a great gig. I just know for a fact I wouldn't want to make a career out of being "assistant". I would always think why not MD. Plus PA school, then practice, then reconsidering MD would be too much opportunity cost for me.

It is very difficult to be sitting on med school acceptances and change my mind. It's so unlikely to be accepted to begin with, it feels like you win the lottery or some shit. What if you went into the lifestyle friendly specialties, like EM or something? That attending you mentioned, was he OBGYN? They have higher frequency of malpractice suits.

You went through the same process I did, prepping and applying and all that BS. Did your motives in becoming a doctor change as time went on?

>>1699773
I feel ya- sometimes its best to go for it when shit falls into your lap. It really isn't what they sold it to be though- I still feel grossly misled. They only reveal the layers of bullshit as you get too far into it to retreat. And now I'm stuck in this career with this perverse love/hate relationship.

EM is generally 12 hours shifts, 5 days a week (in my experience). I did my rotation doing the night shift in the South Side of Chicago. Working ER will make you hard. You will get abused, and every decision you make is under the gun. It is, however, the one field that I truly love. There is a certain audacity that overtakes you, knowing that you can handle most anything that comes through the door.

The only other field I felt that way about was Trauma Surgery (did it at Cook County, look it up), which is just EM with the guns and knives club. That job is far from lifestyle friendly though. 30 hour on calls every three days; every other day is 6 am-12:45 pm. I had four days off that month. If you do go to med school, do this elective. And do it in August like I did. 500 GSW's in Chicago, 93 resulting in death. ~45% came through County. I doubt I will ever see anything like it again.

That attending was an OB/Gyn, and they do get hit hard with malpractice. Technically liable for anything going on with that kid up until 18.

As for motives, not really. I have the same story as most people (except those with physician parents, or those going for the money). I saw someone get badly hurt and die, and I didn't know how to help. So now I do. The impoverishment is very motivating as well, but it's really just a base desire to help.

>>1699773
I guess what I didn't address, is that everyone gets sued. Be it IM, FM, EM, or anything else.

Bullet-proof documentation can ward off any substantial settlements (unless you really, truly did fuck up hard- and it happens). But that doesn't mean people won't try. And even if its a frivolous case, that's 6 months to two years of stress that you're not getting back.

Additionally, you insurance companies have hammer clauses. So say someone files a lawsuit, total bs case- I did nothing wrong. But the insurance company wants it to go away right now. So they can settle behind your back, pay out the fucker. But that settlement goes on your record. Three of those bad boys and your license is up for renegotiation.

And without your license, you're fucked.

>>1698220
I lost 50k on shares last year.

Company ended up being dodgy, it will take 2 years of saving to get it back.

>>1699796
>>1698269

Thanks for the insight.

So there is a fuckton of bullshit between malpractice rates and regulation. Even knowing this, it doesn't deter me. And I am more than certainly naive, since I haven't experienced it.

However, I'm not just looking at medicine as a prospect. It will happen if I decide to, since I've already been accepted. As you know, it feels good to be wanted since it is so competitive nowadays. It will be very difficult to turn down without a very, very solid plan B.

It also seems to me a sure fire way to get a good salary (assuming avg attending level will still be $200k-300k) and societal respect/prestige. I know there are easier ways to make money, but I just love the theory of medicine. Maybe I'll hate the practice of it but we'll see.

I've been reading about MACRA and all that bs on how they calculate reimbursement. It's so taboo to even talk about medical finance but it's the reality. These hospitals are run like fucking businesses.

Do you have any hope left for residency and beyond? You seem very jaded already for a MS4. I had a hunch that they reveal more and more BS as you go along. Are people just trapped by debt at that point and are forced to continue training?

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Losing $5000 on lottery tickets.

>>1699248
I was 20 and stupid, bragged about it since I was also a massive piece of shit back then. Makes me cringe thinking back on those times.

>>1699820
I think the reason I'm so jaded is because unlike most of my peers- I've actually been paying attention. I find that the ones who wander through the clerkships, looking for cool diseases and procedures to witness- they're the ones who get destroyed in PG1 of residency. They lose sight of the fact that those cool diseases are actually people, with needs and opinions. They never paid attention to the precautions the attendings were laying out with the plan- because fuck it, they're doing a central line over in ICU-3.

That said, most of our attendings are scum- and it's frankly disheartening to watch these people operate based on personal profit when you got into this to help people. $40, 000 per trach? Watch all 8 ICU patients get them, regardless of need. It's criminal really.

The few attendings that I respected are blown out by the business end- they too, just wanted to help people. One guy, a plastic surgeon, trauma fellow, then hand fellow- was my ER attending. He had lost his practice because he refused to give out narcotics- and if you don't give out opiates, well, your practice won't be around for long. So now he works nights in the ghetto for sick cash to pay off the IRS- he's the one who truly red-pilled me on the realities of contemporary medicine.

I was going to jump shit this fall- had an interview for a PhD position over at KU Leuven (PhD's are paid positions in Belgium and the Netherlands) doing personalized aneurysm external support systems in sheep. I had gotten on the Regenerative Medicine/Biofabrication train early in 2014, did a few masters level courses at University of Utrecht. But I fucked up the interview hard, said I couldn't start until January (I was holding out for an elective in Canada- I have minor connections there, and getting a spot is feasible).

The masters courses fucked up my timeline, so I'm not eligible until the 2018 match. I'll apply, probably get a spot- most likely that Canadian position.

>>1699845
If you're truly serious about the medicine, do the four years and write board exams for both Canada and 'Murica. Try to slip an elective or two in up there as well. There's only 17 residency programs in Canada, but the lifestyle is completely different (less scut, great hours, and they actually want you to learn vs being a form of cheap labour). Malpractice is a fraction of the cost, hardly any litigation, and those that do file usually lose hard. The College of Physicians and Surgeons will actually try to protect you up there.

It can be done in the states, don't get me wrong. You can do it, get paid, and live a decent life. But it's not worth the stress in my opinion.
I'd work there if I match there, but I'd be bouncing north asap.

>>1698390
haha owned lmfao
i live in aus and study med at unsw
mfw when 10k a year tuition fees for aus med csp and with hecs which has interest at the same rate as inflation only LMAO

>>1699865
also aus has a lot of undergrad positions so I didnt have to do any premed garbage thats needed in the states, just got in straight out of school
plus we have guaranteed internship as csp's/bmp's

>>1698356
>blames men for her lack of motivation
Feminist

down 200K in stock market

realized

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GET IN HERE TO DISCUSS INVESTMENTS AND FINANCIAL ADVICE:
https://discord.gg/rraZ9

>>1698220
Bought 1k HTBX stock @ $1.62/share. Saw it go over $3, got greedy, thinking it would go to 4 easy. It crashed hard shortly there after, currently sitting @ like 86 cents. holding now, hoping it gets to at least 1.50 some day.

>>1699734
baby boomers are cancer. At least you learned that

>>1698242
Sam? Is that you?

>>1698220
Invested $1200 Gold ETFs

They are worth around $600 now, not bad since I've made 10x that much gambling on political outcomes, and Gold ETFs will go up eventually I think.

Butterfly labs 2000€

>>1699434
So you bought more when the market crashed, waited for it to recover and now have triple the money right?

>>1698220

I put $1600 in a CD.

>>1700407
leveraged ETFs, i assume?

>>1699704
>I have also walked away from an IB job
Do you use IB to trade with or what is your platform?

Paying off my car under my father's name.

He got credit for me paying off that loan. He told me my name was on the title and all the paperwork. Nope. I was paying to help HIS credit. he also said he'd help pay for college but he didn't help with that either. Over $40,000 he promised to help with.

In the grand scheme, he's been so supportive. but money is terrible to talk about with friends and family and he was no exception

big fuck up and mental illness there is no hope for me :/

getting a DUI, losing my job...
Cost me about 400-450 k

>>1702175
I feel you, same thing happened but I lost my 11 an hour job not 450k, can't get another job because I live far away in the sticks, got arrested for driving without license now my license is suspended for another year

>>1699845
>>1699850
>tfw didn't get into Canadian medical schools

Applying to American MD and DO schools. Am I making a mistake as a Canadian? I want to com back to Canada eventually but realize i'll have to finish residency in the US first.

>>1702187
yah... i got through my suspension...
Im planning on immigrating to Aus or NZ if the dollar stays strong.

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>>1702215
>he thinks he's going to get into AU or NZ with a DUI to his name
hah

>>1698393
Fug

>>1698390
Join the military afterward and let them pay your debt off.

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>>1699319
>5k down
Had you beat, slightly.

Got lucky after trump and it went back up (based IPI, BANC, and DPRX)

>>1699599
Fuck, man.

Your heart is too golden.

>>1698220
i bought a superbike for 20k, and over time invested 25k in mods such as engine tuning, body, suspension, exhaust, titanium and carbon everything etc etc.

dropped it at 200kmh on track and cashed out 5k insurance money.

i put like 2000 kilometers on it

>>1701265
>muh cost averaging
kill yourself, my man.

>>1698381
I was literally I never the same boat, graduated at 18 with bachelors, turned 19 a month later. Applied for pharmacy school now I'm making 105k a year after taxes. Cost of living is 10k a year

>>1699789
>It really isn't what they sold it to be though- I still feel grossly misled.
it's like that with everything. when i was about to start my phd my adviser told me how he'll get me financial aid for the summer so i can start and get paid in the summer, how it will be his responsibility to get a grant for my project in my first year so that i'll only be a TA for one year, and if multiple projects get funded i'll get to pick which one i get to work on.

he didn't get me shit for the summer, it took 2 years for the project he gave me to get funded, which means the money didn't start coming in till i was in my third year of phd, and i didn't get to pick shit. the project that can be completed the soonest went to a student that was already a phd student for 3 years and made no progress so he switched to my adviser. these are just examples from my adviser, but academia in general is complete shit.

if i knew then what i know now there's not a chance in hell i would have gone into a phd program, and especially not with my adviser. i'm trying to stick it out, but if it becomes apparent that i can't finish in 5 years, and if my adviser tries to cockblock me if i try to just push through a half assed thesis to finish in 5 years, then i'll just drop out. fuck slaving away into my 30s for some lying cunt while earning a burger flippers wage. this isn't why i got an engineering bachelors.

>>1698220
>bought £500 of meme penny stock in Feb
>1.3p per share
>African Potash, AFPO
>went up to 1.7p for a while. Held on.
>expected more rises
>stock crashes
>expect rebound - keep holding
>keeps falling, keep holding.
>now 0.07p per share and not traded and my broker no longer deals it

I fell for a pump and dump. I'm normally pretty savvy about these things.

I was trading crypto on Poloniex and had riden this small crypto all the way to like 3X profits. The price was something like 0.0000099, and not wanting to be greedy I set a sell wall at like 0.00000101.

Unfortunately I forgot to delete one of the zeroes and ended up liquidating everything. I got back maybe 75% of what my crypto was worth, and made a couple of con fused buyers very happy.

>>1698465
Hardly financial, but I was the back-up guy for a 20 year old woman when I was 17 and spent money on paints and such to earn her affection. She fell into love with me, but two years later (and a year before we met) she suddenly had a mental breakdown and in it she destroyed one of my paintings.

We broke up soon after.

Now I'm 18 and heading to college for Aerospace Engineering tuition free (Hazlewood). I'm getting everything I ever wanted educationally, but my heart is hurting.

>>1698220
I didnt buy eth when i had the chance.
I will buy ORB now.

>>1702210
It's not absolute that you need to do residency in the US, but the odds are significantly higher.

Try to do a solid rotation in an area where you are from/have strong family ties and perform to the best of your ability. A lot of these Canadian programs are aiming at physician retention.

It's absolutely not a mistake if this is what you really want. Hell, even Caribbean IMG's get matched on the regular.

I personally would avoid the DO programs, because I don't want to spend the rest of my life explaining wtf a DO is to stunned patients. But their training is exactly the same as the MD- plus they learn some cool osteopathic manipulation tricks (just be wary of the ones who claim to be able to cure appendicitis with it- those guys are freaks).

America is really different from Canada though. Sort of a culture shock on its own.

>>1702403
What are you getting your PhD in/what was the initial project? And what country are you in?

I've never done one, but had a PhD interview this past September. They were refreshingly straight up- "We have the funding, but we're in a rush to start. You won't be getting tenured, is that alright? What are your thoughts on animal experimentation?"

They were Belgian though.

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>bought $6500 worth of sliver coins in 2011
>let $45,000 in cash sit in a bank account 2009-2014 instead of investing, invested it in January 2015 and the market immediately fell 10%
>went to trade school, cost $90,000(10k tuition and supplies, 80k from lost wages)
>graduated and couldn't find a job
>read a lot about bitcoin shortly after its creation, never bought any
>read too much doom and gloom, fell for economic collapse memes

>>1702929
I was like you untill i bought btc 2 years ago. I got fully hooked and am now a meme trader. Dont fall for the gloom and doom preppers. They cannot into investing. The future looks bright

>>1702898
combustion of jet fuels. the initial project involved the formation of product species that were expected to be pressure dependent. the challenges being that it was unknown at what pressures there will be a difference in production of the species of interest, i.e. if it's too high the equipment needs to be modified to handle the pressure, in what quantities will those species form, i.e. can we even detect them, and what the species are (there were multiple ones that were hypothesized,) i.e. can we identify them.

virtually all the limitations were in the equipment we have, and you need money and time to address that. now, the project is certainly doable if the timeline he gave me was followed which was 1 year of being a TA and then 3-4 years of being an RA and working full time on the project/thesis. instead i was a TA for 2.25 years, helped the other student that made no progress in 3 years for a year with his project, and now i'm finally starting to work on my project.

the project the guy that transferred advisers got required no modifications. it was literally just producing data and it shouldn't have taken more than 2-3 months, but the guy is a dipshit and he finds superfluous problems in everything and then tries convoluted and complex soltions. this is why he turned a 2-3 month data collection project into a year long ordeal. the worst part is that i knew this project was extremely straightforward and can be finished fast, i brought up the fact that my adviser told me i'd get to choose which project i'll work on if multiple ones get funded, and he still forced me to work on the initial project.

now i'm just trying to half ass the project just to get done and get out, but if he tries to cockblock me from doing that i'm determined to drop out. i know how shit that lab is when there's no funding because it's an experimental lab and everything costs money to use/operate. the project got funding for 3 years and it's half way through that time.

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>>1699839
did Elliott buy $5000 in lottery tickets?
that's pretty alpha imo

>>1702898
>We have the funding, but we're in a rush to start
see, that's the thing. he never told me how poor the funding situation was. he just assured me that he'll get the project i'll work on funded in the first year, but he never told me the the lab is broke. it wasn't until i was in the lab for a few weeks and i squeezed out everything i could from the only other student in the lab that i realized how bad things are, however, i mistakenly believed my adviser that he'll get funding that year so i decided to stick it out since i was a TA so i didn't have that much time to be in the lab anyway.

now if this was a computational lab that still sucks, but you can at least get some work done. this is an experimental lab so no money = nothing gets done.

the ending of my project's funding coincides with me being in the lab for 5 years, which means that if i don't finish by then i'll be in the same exact shit situation as in the beginning. hence, my strong desire to drop out if i can't finish in 5 years.

>>1698220
lost $6000 on a penny stock that went bankrupt.
oh and also not mining bitcoin when I had free power and it was at less than 10c

>>1702943
Bro, that blows. I'm sorry to hear it.

Mine was just giving sheep aneurysms, installing an arterial exostent and seeing if she blew. If it was successful, the goal was to see if it integrated into the natural tissue- and if the vessel became stenotic/calcified/fibrosed. Fell under the Translational Cardiothoracic Surgery category.

If I get into the residency that I'm aiming for in Canada, I'll pursue it again through their biomedical engineering department. Probably in mice though, faster turnover then in sheep.

But I really need to know, given that you seem to be an expert. Can jet fuel melt steel beams?

>>1698393
Holy shit, I thought I was the only one here

>>1702951
ye i think everyone's biggest regret is not caring about memecoin

literally could've used half the money i had in 4th grade to buy memecoins and would've never had to worry about anything for the rest of my life

>>1698220
i started caring about pokemon and bought a 3ds and a bunch of games like $200-250 total

literally the biggest financial blunder of my life i still feel bad about it

who cares about pokemon

>>1698393

GEVO makes no sense. It's just sinking like the Titanic without explanation.

>>1698269
>become self-made AH mogul on illidan-us after transfering with under 1000g
>start by just buying and reselling cheap stuff that I can at least sell at large profits
>things are going well
>gaining digits
>one day twilight jasmine is going fucking nuts
>keep buying it and the fucking botters keep flooding it
>my pride is at stake
>all of my AH profit is being dumped back into the herbs
>shit is filling my banks, mailboxes, can't contain it all
>something's gotta give
After a while I thought all my hard work was wasted, but finally I broke through and became probably one of the richest people in the game at the time when I realized the cash cow that was mysterious fortune cards. I controlled the AH hard from then on. I'd take robitussin and trip all night while just grinding the fuck out of the AH. Most of the fun was just seeing my name all over it and getting hatemail, or ramdomly sending some noob a gift of more gold than he'd ever seen like it was nothing to me

>>1702941
he read something about willing stuff into existence.. he went all-in on buying tons of lotto tickets and believing so hard that he'd win that he just had to win because of his intense focus or whatever

even traveled hours to buy them where he thought he'd be more statistically likely to win

just trying to get his dick wet u know

Sat around and watched nvidia jump 200+% in the last year. Finally jumped in and I bought nvidia last week at 113 when it dipped and starting to recover. I then watched it fall to 105 before I couldn't take it anymore and sold it off. The SP jumped back up to 113 by the end of the next day during AH.

3500 dollars down the drain for literally no reason.

Hurts every time, thinking about how many hookers that could have gotten me.

>>1703389
>dumping 50k into a meme stock
really?

>>1700435
Same here, but luckily only $250 for a Jalapeño. Got mine like 7 months late and managed to mine like $80 worth of BTC

>>1702362
What the hell kind of bike was it? I can't even think of a sportbike with an MSRP that high other than exotics. Were you sponsored?

>>1698220
yes i invested 8k$, everything i had, in one company and lost like 80-90%. one of my 1st investments but i fully recovered last year. An expensive lesson but a lesson nontheless

>>1703270
>1703270


top kek

i lent $5k to my mom

>exit mil no civ equivalent job
>had 10k saved without tryinf (natural saver, didnt spend much)
>proceded to neet it out (depressed\ptsd)
>1.5 years later sold $2500 crotch rocket and liquidated mil 401k of 4k
>spent 1200 on steam keys, they were new
>went to eu twice, got pol gf
Long distance doesnt work
>went to for profit school, dropped out and emded up with 3k debt.


Still working on the debt (and new debt from other stupid shit)
Slowly getting shit together

Would like to start a biz but stuck in a wageslave and still debt/save ratio isnt comfy...

Waited until my late 30s to start investing for retirement.

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>>1703273
>even traveled hours to buy them where he thought he'd be more statistically likely to win
No, this is because California was one of the last lottery states to have both Powerball and Mega Millions games. He learned about Powerball one day after being disappointed he spent hundreds on Mega Millions and won nothing, then immediately drove to Arizona on a whim for the sole purpose of buying lottery tickets. He made that trip a few more times before Powerball was available in Cali in April 2013. According to his manifesto he often spent hundreds on lottery tickets at a time, like up to $700 for a single draw once.

Most I ever spent on a single lottery draw was $55, actually fairly recently since the SuperLotto jackpot hasn't been won since last June, and has grown slowly by $2 million a week up to $66 million (in 30 graduated annual payments before taxes or approx $23million lump sum after taxes)

>>1702210
You can make it back after residency but don't plan on matching here for a residency program unless its family medicine

>>1703270

10/10