How come millennials are so bad at managing their money? Is

>>127794044
No one taught them how.
>so they should teach themselves
Will never happen.

>>127794201
There's nothing to teach. It's literally just don't spend money.

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rent, loans etc

baby boomers make more in interest on their savings than millennials make working. How can such a system be justified?

>>127794044

It's because boomerfags ruined our country with shitskins and horrible job prospects.

But why would any oldfags care about that? They got theirs and all.

>>127794044
A V O C A D O T O A S T

No, they were so focused getting through school and college they forgot to save. I am currently finishing highschool and have many grown millenial friends who waste away their money on drugs, expensive clothes, and fancy restaurants. I have worked the past 4 Summers saving 100% of the money I've earned, because my parents were smart enough to show me the values of saving.

Why do people blame boomers for everything instead of taking responsibility for their own failures?

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>>127794044
They spend all their money on drugs, alcohol, and apartments they can not afford. Then they expect to eat out every night. I would know because I'm 21.

I don't have any savings. All paper money i get i convert into real wealth, be it precious metals, food stock, etc. Most of the time i have the equivalent to 800$ in cash as a reserv but no tradicional savings.

I just bought a house, now the family thing....I'm on 4chan, we know where that's headed

Because we have no jobs. Any decent job these days requires at least a Master's Degree compared to previous generations where only a High-school Diploma was required.

>>127794044
Usury

they're avoiding it

>>127794865
this
sad but true
outsourced their kids futures based on some pipe dream bullshit they read in a first year econ class at college about people just magically retraining themselves with their unlimited funds and free time to take robotics classes or some shit after they lose their job to a chinese bird nest farmer-turned-assembly line robot

>>127795200
Our school system never teaches us to save. In fact I have had professors encourage me to take out loans and credit cards because "it's always better to have money now and you can pay it off when your dead." Idiotic logic

>>127795521
Wrong, you just don't want to work hard

>>127795745
Because there's nowhere for me to work hard. Why else would I waste 5-6 years getting an advanced degree if I could just get a factory job and start a family in my early 20's?

>>127795911
Go be a welder, get a boilers license, become a school/hospital custodian, make bank

>>127794374
And all they have been taught is to SPEND money.

>>127794044

Dude it's like totally like a human right? To have an iPhone? And I totally like, need to buy a new One? Every month? Uurgh, I can barely function without my premium Starbucks ripofficcino every single morning? And can't forget the netflix subscription guys. #sobroke

Though it's probably an attitude problem more than anything else. Obviously you get people who make barely anything because they have few hours of work available and have high rent, for instance, which fucks up savings plans, but my goodness, the amount of money people waste on trivial shit which they seem to think is an absolute must-have is astounding.

>>127794044
boomers are working at later parts in their life, makes it hard for new positions to open up. everything is connections based now. Also housing prices are at a recent high. Why would somebody pay that much?

>>127794044
how can you expect these fuckwits to know the true value of money whey they get a new $1000 iphone every year?

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>>127794044

Social Engineering & pointless Degrees.

New KB:

>>127785087
>>127785087
>>127785087

>>127794044
Because they buy $20 avocado toast from the faggy little café around the corner every morning and vacation in Italy every year, while working as an intern for Buzzfeed. No one lives within their means because they need Instagram likes.

>>127797510
Lol this

>>127795521
I have a bachelors. I work as a financial advisor I'm 30 and I have 400k in savings, Roth and 401k. So I mean it's possible. I have no intention of getting an advanced degree. In fact, my bachelors has nothing to do with my current job as it was in biology.

>>127794044
Do you see any milenials doing so on TV or in movies? No, it's funner to live in the streets from paycheque to paycheque. People never grow old right? We just wanna be like the people on tv and be young forever!

>>127797262
Fuck off you larping retard stop posting your bullshit threads in other ones

>>127794044
Have you TRIED avocado toast? It's ok.

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>>127795521
>Millennial

I just earned a Master's Degree, but have a (75+ year old) family business in an unrelated field I'm about to inherit because of my father's recent death.

What do?

>>127795745
yes, millions of people and literally none of us work hard.

>>127795521
I dated some young teacher that talked about going back to school so she could get her master's
I asked why and she said that there were some really nice districts where she wanted to teach, but to be competitive schools wanted teachers that had a master's in education
she was an elementary school teacher

>>127794044
dumb as rocks retards.

>>127800599

Learn about DCF valuation and other quantitative and relative valuation measures.

Then contact an investment banking company or division of a national bank and get your company valued by them.

Compare and contrast with your own valuation so you don't get fucked up the arsehole. Sell your dad's hard work. Profit.

>>127794044
We have no reason to save money and never will.

Even feminist sugarbabies don't know how to save money, which is hilarious cuz they won't be able to fuck older men for huge sums of money beyond a certain age lol

>>127794374
Obviously you don't Know anything about personal finances.

Let's say someone was 20 and saved $500 a month for 40 years (retirement age).
This comes out to $6,000 a year and $240,000 at the end of that 40 year time period. Now say you assume you're going to die when you're 90 and you take that $240,000 and divide that to give you a monthly income. That's $666.66 a month. Take inflation, medical issues, loss of job, etc into consideration over those 40 years and you're fucked.

Anon, there is more to savings than just saving.

>>127795200

>Why do people blame boomers for everything instead of taking responsibility for their own failures?

Because the baby boomers grew up in a time that was fiscally palatial in comparison. House prices were next to nothing. You could afford to actually own your own home outright before you even hit your late 20s/early 30s.

These days thanks for baby boomers fucking the world up we have a fucking army of asians living in our country that buy up all the property ruthlessly and set the prices sky high.

Idiot baby boomers cannot seemingly understand that we are struggling with issues that were entirely different to the ones they had to face. ISSUES THAT THEY HAVE PUT ON US. They actually think that is an excuse from young kids. Not only have they fucked it all up but they are actually trying to put blame on the later generations that they've ruined it for.

Fuck these stupid old idiot cunts.

>>127801136
you're dumb as rocks if you dont save money.

more money = can buy higher quality items and make way better financial decisions in general.

>>127800863
At least you admit it.

>>127794374
This. Millennials I know can't even turn flour into food. They eat out like 5 times a week.

Yes. You're making less than your parents generation. Yes, it's their fault for selling out your future. No, that's not an excuse to be irresponsible. Their parents made less and they still managed to get buy. Learn to fix your shit and spend within your means. Brew your own beer (it's easy as fuck) and clean your goddamn room. Get a savings buffer for the hard times and learn skills in the slow times.

>>127794044
kek. most people in my generation are so self engrossed and narcissistic, they forget that they actually have obligations to society. instead they just fuck off all the time and waste thier money on petty bullshit.

>>127801460
>based leafs dont exis..

>>127801460

>Brew your own beer (it's easy as fuck)

Your post was going alright until you just became the goofiest leaf on this board right now.

>>127794044
I'm 18 and have never worked a day in my life, but I have £5000 in the bank, and I have an additional £2200 in my current account which I'm going to use to buy a rifle I like once I get my licence sent to my house.

>>127801644
>he doesnt brew his own alcohol.
you arent a man, you're just a glorified woman.

>>127800599
Sell the business if you don't feel up to it.

>>127801253
Money does not just sit there for 40 years. You invest it and it accumulates way faster.

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>>127794044
>1 post by this ID

>>127794044

I'm 27 (is that a millennial) and own a home and a 2014 truck, and that's because I don't have shitty kids. Families are for squares bros. Stay solo. Stay dangerous.

>>127801728

>he gauges worth as a man by vicarious thrills

Tell me more about you not being a woman, oh stoic Lord of Man.

>>127794044

that bitch is old

look at her wrinkly hands. also the one on the left looks like an ugly banshee.

>>127801929
I gauge men by their ability to do basic tasks.

Too retarded to brew beer? You might as well be a woman that cant do anything except lay there, take muh dick, and pop out a baby you faggot.

>>127795226
Memes like this are stupid and their only use is to sport stupid people, because stupid people share them on facebook.

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>>127801797
>Sell the business
>yessss goy, sell the business and give ME control hehe
fuck off kike

>>127801253
Does this include compound interest?

>>127801460

A fucking...
wait, that's actually correct.

Isn't this a ban in pol?

>>127802122
MY FUCKING SIDES! HOLY SHIT, PRAISE KEK!

>>127802145
>Does this include compound interest?
obviously not.

>>127801815
Yes goyiimmm give us your money we will take good care of it hehe

>>127802038

>I gauge men by their ability to do basic tasks.

Haha this panicked mental gymnastics.

I'd also bet cash that you're wearing clothes right now that you yourself did not fashion. There's a litany of things you personally use or entertain in daily life that you lack the skillset to recreate.

You LARP so hard you fucking insecure fraud. What a joke you are.

>>127800599
>unrelated field
poor dad

If someone can save $6000 a year. In just 30 years it can accumulate to over $600k. In 10 more years, it will double to 1.2M.

>>127802342
Fuck off, abo.

>>127801815
You literally proved his point by saying that. You cant just hold onto money it needs to be diversified and invested properly. We know that but many many milenials act like niggers and just impulsively consume.

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>>127801891
Are you even old enough to be a millennial? You sound like you're 11.

>>127802439

>f-fuck off

Stop being a LARP apologist. These try hard cornballs need to learn.

>>127802538
Go away, why are you messaging me?!?!?!??!?!?

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>>127801815
>>127801797
get off our board you fucking goyim

I'm a millennial and I have 118k just sitting in my checking account.

>>127802342
>no argument
dumb stupid abbo BTFO.

The majority of millennials are stupid fucks, but they were raised by even stupider fucks: the baby boomers. They've created a system that is entirely unsustainable. Do you really think the world can afford another generation of consumers that consume on the level of that generation? Taxes, social security and other gibs, brown immigration all adds up to a pyramid scheme that fucks over their already helpless children who were given participation trophies their whole lives. Millennials now have the greatest human communication ability ever created and they use it to hoard little ego points on their social media platform. Nevermind the fact that you can literally watch a YouTube video of someone performing each step of a skilled trade and replicate that. They're just going to sit around in their Facebook and Tumblr bubbles while the land their ancestors built is torn down and replaced with another mosque or taco truck.

>>127801644
What's wrong with homebrew? I know a lot of idiots don't filter and end up with cloudy garbage, but if you're not a lazy retard you can make it very clear.

why Millennial women are saving half as much as men on av women are stupid thats why

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>>127794044
>How come millenials are so bad at managing money?

Have you seen the gross debt from the first world countries managed by the boomers children yet?

>>127794044
I literally just set money aside every month out of my pay check. It isn't hard.

>>127802724
Why is it not in investments? Do you enjoy losing money to inflation?

>>127802815
Why filter? If you chill the wort right you will avoid haze.

>>127794044
The problem with saving is that inflation chips away at it and makes your hard-earned savings worth less and less over time. Then take into account you have to go into Jewish debt-slavery (take out a loan) in order to buy a house and its no wonder so many people don't bother.

Well those who aren't blowing it all on drugs.

>>127794044
How come millennials are so bad at managing their money?
Financially illiteracy combined with the need for instant gratification.

My millennial coworkers refuse to even contribute the minimum amount to their 401ks and get the employer match. I asked one of them if he had any plans to start a family, buy a house, or ever retire and his response was "haha like as long as I can afford rent and jiu jitsu lessons I'm pretty good bro"

>>127802724
>I'm a millennial and I have 118k just sitting in my checking account.
That's pretty stupid. Get that shat into some kind of investment. I'm only 24 and I've already made $15k just from parking my savings into some index funds.

>>127802793
This is why we should continue passing policy that increases the income gap. Giving money to other classes just results in mindless consumption. Money given to the upper class is largely put into the bank which is by definition reinvested into new businesses and industries.

>>127795558
>what is college loans

>>127794044
Most of them save their money. These articles are mostly bs.

I have an MBA and make decent cash but it's hard not to spend. Luckily I am living with my parents for the next year or so. Hoping to have about 50k saved up by this time next year.

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>>127794044
Cause they dont make money most of the time and buy IPHONES + NIKES

https://www.youtube.com/watch?v=zMGZtkMS3sQ

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>>127802763

>sees argument
>suddenly realises that he is indeed being an insecure try hard LARPer right now
>goes into total denial and convinces himself that he didn't see any argument to begin with

Lmao.

You are a fucking cornball cunt for real.

>>127801711
Why do you need a rifle though?

>>127802949
I have ummm 86k in various investments. Waiting for a market crash to buy more. Diversifying into crypto now. I have 110k equity in my house, and around 25k in my kids college accounts.

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>>127794044
I'm to autistic to spend my money

>>127794044
They're the new blacks, living in the moment.

>>127802815

Hey man if you can do it more power to you it was just goofy advice to throw in there.

If you're drinking so much that you need a homebrew setup then perhaps stop drinking so much to begin with.

>>127803231
>Diversifying into crypto now.
oh no

>>127794044
Because millennials are stupid. This isn't complicated. Millennial culture has always been anti-intellectual. These degenerates actually think audio-books count as reading, and hardly any of them even do that.

And I'm a millennial. I've been around these fucking whiny energy vampires all my life. Gen-Z will be an improvement.

>implying millennials have money to waste

>>127803152
>>sees argument
good try abonigger

>>127803160
Who's asking? FBI?

>>127795521
I just don't buy this excuse anymore. Plenty of my friends have been getting decent tier work with no degree/useless degrees as bank tellers/web masters/IT

People are not looking hard enough.

>>127803231
Thank you for having your shit together, and not being a parasitic asshole like the rest of them.

I feel terrible for you peasants on this board. I turn 30 in June and I'm worth more than all of you in this thread combined. Determinism is truly sad, I'm sorry for you all.

I'm a brainlet so I didn't bother with college, and I only work like 20 hours max a week at min wage so I just buy things I enjoy not like I'm gonna be buying a house anytime soon and can't afford rent.

I bought a bmw to get chicks.

Didn't need it but damn it works.

>>127803423

>he's actually attempting to save face still

Hahahah.

F

>>127794044

It's hard to save money when 100% of my money goes to rent and bills

>>127794865
>>127795595
>>127801253
>>127801460
Bah, quite a few Boomers have fucked themselves over and have it just as bad. Four in ten don't have enough to retire. Who knows how many were fucked during the recession.

>>127803538
so do you aboniggers know how to do anything else besides shitpost on 4chan.

maybe learn how to pour water you stupid fucks.

>>127794374
It is so hard...

https://vimeo.com/41152287

>>127803321
Lol not btc that ship sailed. Just trying to get 5% of my portfolio in. I have too much cash laying around. Gotta do something with it.

>>127803312
I just like making things. Having lots of wine bottles to give as gifts is nice, too. Wine or beer or cider, it still takes months for a good batch. It's good for hosting events and stuff within a very tiny budget, too.

Man, I'd probably do it just for having a full wine rack alone. It's comfy as fuck.

>>127802396
How much do you have to make to reasonably save $6k a year?

>>127801460
Very good I like this comment.

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>>127802038

haha wow this guy's just like my hero Ron Swanson

>>127803448
Two parent household FTW. Thanks.

>>127803769
I saved about 8k in a year while making 30k

>>127803431
Seems like a silly way to spend money, if its recreational wait. Better ways to save money for a rainy day, especially since youre under 10k.

If its for self defence....buy an easy to conceal knife. Ariana wont like you taking that rifle into the concert.

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>>127803691

Oh so now I'm shitposting too much? I see.

What happened, mate? You were full of piss and vinegar just a second ago. And now you'd rather I simply leave you be now?

Feeling like a bit of a silly goose, are we?

>>127803747
I want to make cider but I really need to be able to artificially carbonate. Natural carbonation strips all the sugars; comes out super dry.

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>>127802396
thats not too realistic.

imagine if EVERYONE was doing what you suggested.

you wouldnt be able to double your money like that because the jews wouldnt be paying you interest on you savings since there are no good goyim to scam. they pay interest because they use your money to scam other good goyim and they give you a small cut of the money in the process.

that being said, even though you would have saved less money, it would be worth more as the jews wouldnt have as much money themselves and would have much less control over everything.

>>127803740
What portion of your wealth do you devote to high risk wagers like crypto currencies?

I would put in no more than 1-2% but I currently have nothing in crypto, I'm all in in the metals markets.

>>127794044

because women make money now and dont have a clue how to manage finances. they should have stayed at home.

>>127803677
>Only 60 percent of baby boomers report having any retirement savings
>36 percent said they plan to retire at 70 or later
>27 percent are confident they will have enough for retirement

http://archive.is/pkaWv

>26% of baby boomers nearing retirement (ages 55 to 64) report healthy retirement savings with balances of $200,000 or more.
>31 percent of seniors at or above the retirement age (65 and over) have balances of $200,000 or more.

http://archive.is/isKJD

This is the same messaging every age group eventually gets. Gen X has no money saved, millenials has no money saved.....blah blah blah.

It's propoganda to get you to save money and invest in the market. It's messaging to control behavior.

>>127803862
Good for you anon

But you would have to make serious sacrifices to save that much on that low of a salary, for example no car, living with your parents, eating an unhealthy diet, not saving for retirement

>>127803538
>Oh shit he got me, most of the things I do use in daily life are not made by me!
>Better say there was no argument because hes a stupid abo.

The burger dropped the ball hard on this one.

>>127794374
pretty much this. I'm part of the millenial gen. Immediately after graduation I was working my ass off and saving up. I'm talking biking everywhere, 10hr workdays and spending every other weekend at the office as overtime project support so my supervisors can point to me as the guy who helped them meet insane deadlines. Bought my first car at 25 and put a down payment for a house next year. By then I was making 60k after taxes because of all the hard work and initiative I demonstrated. Now at 31, I have my own team, 160+K in savings along with 300k invested in safe mutual funds and bonds, one mortgage I'll be paying off in 3 years, and another low interest one on a 2nd piece of property I'm renting out for extra income.

>>127795521
And I did all the above on my original engineering BSc. First non-MSc or P.Eng manager level employee at my company too. Thinking that your degree entitles you to a high paying career is a guarantee to disappointment and failure. I see this a lot when interviewing candidates for my team. Needless to say, they don't get the job.

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>>127804067
>because women make money now

>>127794044
single mother families didn't help the situation. The millennials are natural consumers because they are very disturbed and depressed. The act of purchasing is therapeutic to them, and some even embrace this fact. I'd like to say that the women are the worst, I have sisters who constantly buy useless trinkets and designer make-up online. But the truth is that the men are just as bad, and use their savings to buy expensive phones and cars they can't pay off.

There is a distinct lack of discipline within them. And a steady self-hatred that eats away at their very real attempts at self-improvement.

>>127794044
It's all the avocados we buy. I have to have at least 5 a day, half my budget is just avocados.

>>127804063
I put 3100 into ethereum at various purchase points, I have about 8k now? It is a speculative gamble, I know that. I will likely put a few hundred into three.or.four altcoins, move.them into wallets and just forget about them for a few years. See what happens.

>>127803769
Let's say you earn 10.25 an hour x 2000 hours = ~20k. -7000 for housing (reasonable), -1000 for utilities, -3000 for food, -1000 for transport. Still 9k left. That leaves 3000 a year for expenses I missed (medical, insurance, etc...). It is possible at that wage. Very difficult and not full of luxury. But possible.

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>>127803242
this

>>127804151
I have a car, do not live with parents, and eat very healthy (veggies are cheap as fuck).

I'm not saying everyone is in a position to live the exact same way I do, but I think the vast majority is just excuses made by weak people who can't delay gratification.

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>>127803890
Well, I really like Lee Speed rifles, these vintage rare ones; they are very good for hunting deer and boar, and one came up on the market recently (in the link below) and I thought I'd splurge a little, maybe using some of my parent's money, you know, like an early birthday present. I understand it's a chunk, but I'm getting a job soon whilst I'm in uni so it shouldn't be too much of an issue. Also, I thought I could sell some of what I shoot to pay for the gun.

What do you think of the gun?
http://www.gunstar.co.uk/bsa-lee-speed-bolt-action-303-rifles/rifles/758899

Serious news flash: Only a minority of people are financially literate. Lots of people don't really learn how to use money properly.

This is not something unique to millennials. Take a look at how god awful 2008 was for people, not because the economy was bad, but because people in general can't plan.

That being said I think millennials as a whole are better with money. Because they have less of it.

>>127803769
I saved about 8k at $15/hr.

But I also bought a new pc and other shit I didn't need, that said I didn't pay rent.

They get a completely useless college degree and go into $70,000 debt to get it and will never be able to pay it off because they won't even be able to get a job when they get out of college. Then they scream about how capitalism failed them and they decide to vote for Bernie so someone else will pay for their terrible decision.

>>127804244
What does he look like without the mask?

I have 10k in a 401k
add 800 twice a month

>>127794044
They just need a side hustle.

>>127801253
If you put it in something that has 4% growth that compounds monthly (which should be EZPZ)
you walk away with 600k which is 1.6k/month
Still not great, but assuming you own a house + and get social security its doable

>>127794044
i made a lot of financial mistakes when i was in college, but thanks to loans from my parents i was able to get back on track.since then i have made sacrifices to get as financially stable as possible.
now i have quite a bit of money, an amount i have never told anyone about.

it is another point of difference i find between girls/women i date and myself, another thing i don't like about them. i ask myself why i should subsidize a woman who has been terrible with money? i will buy a house in cash, but yet a woman gets to live in it for free because she is my wife, never having had to sacrifice to get this benefit.

it's a bit autistic and misanthropic, but i suppose i created the monster.

people are bad with money because they have no responsibility, society is relatively easy and we live in a time of luxury and convenience. plus society has been feminised to a large extent and so socialness has taken precedent. women fritter money to be social on shit like brunch eggs and cocktails, because they live for experiences thinking that experiencing something makes them better, when in fact it just makes them more shallow.

>>127804554

To be fair, they grew up with everyone around them and at school telling them they could be whatever they wanted and to follow their dreams.

Nobody ever explained the world to them properly and they had unrealistic expectations from the start. Now they're fucked, and because they're the next generation, society is fucked.

I suppose they can find solace in the fact that the hippy faggot boomers who tricked them into believing that the world is all puppies and butterflies will die earlier than they would have had they prepared the next generation to be productive taxpayers.

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>>127794044
>tfw put my entire savings into crypto currency and I'm doubling my money about every 2 weeks
Millenial Normans will commit mass suicide when the real NEET entrepreneurs are driving Lambos around in 2025

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>>127803947
Jesus Christ, lol

>>127799559
wot werk u do

>>127805602
>(((financial advisor)))
he scams other goyim you retard

>>127800599
Can you hire me?
I just want an opportunity to succeed

>>127801644
Dude brewing your own is ez

>>127802373

He encouraged me to get out. The family owns funeral homes, its fucking depressing

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>>127805669
aww shieeet
i canj't read
please forgive me

>>127794937
>saves 100% of the money earned at >work.
How do you afford your travel to work? What do you eat while on lunch break at work? You trust fund faggot.

>>127804430
You'd need to have a roommate and a stable job that gives you 35-40 hours a week.

Getting full time is really a huge accomplishment these days for minimum wage workers. I would not want to live that life, I'd rather go in debt and learn a new skill. Couldn't imagine sustaining a life earning less than $20 an hour because sooner or later you'd get fucked in the ass somehow, especially in a country like the US where there is no universal healthcare.

I don't think it's reasonable to compare that to back in the 60's where people could just waltz into a factory and get a reasonably paying job with benefits same day. The standards are much higher for everyone these days, you need a degree, college diploma, or enough connections, etc. Not that that's a bad thing, societal expectations just have to change too. Which is what OP is referring about in a much more emotional way.

Its mostly bad parenting. I remember retarded families that would go to hawaii for vacation every year or spend way too much money on a luxury car they didnt need and couldnt afford. Meanwhile my parents would take us on the occasional vacation and had regular cars and were able to pay for a significant amount of my very expensive schooling, instead of quickly wasting their money on something hedonistic.

A lot of it is common sense too. Fucking trendy hispters going and spending 5$ on coffee every day and 20+$ on lunch or dinner when they dont even have a job and are at school for some art. That shit adds up fast.

>>127806294
that nigga's still in HS
his momma packs his lunch 4 him
He's right though. Broke nigga's will still find $20 to spend on a fidget spinner or whatever the meme of the month is
then they wonder why they broke

>>127795521
Just fucking join the military, like a third of your paycheck ends up being tax free, if you can't save money in the military something's fucking wrong.

>>127805210
>driving Lambos
I can tell you came in post dollar parity
my bitcoin is going towards the liberia plan
you should send your abos there too

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How does one "invest?"
No idea how to start, what to do, where to look, etc...

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>>127806662
give your money to the most semite looking investor you can find, they will take care of you hehe.

>>127795200
Because you can't hold graduates accountable for the economic situation their placed into
its like blaming 9/11 victims for being killed
"haha shouldnt have tried to work in a tall building you dumb fuck"
or blaming niggers for being born black, rather than blaming them for behaving like niggers.
>>127794865
pretty much this
>>127803677
>be born into greatest economic growth period man has ever known
>still everything up for yourself and everyone who comes after you

>>127806662
1. Have $
2. Invest
3. ????
4. Profit

>>127807032
Somebody elaborate on #2

>>127806662
Find a cheap trading account and invest in ETFs. Google what an ETF is and invest in big ones like the S&P 500 (biggest 500 companies). Don't be a retard and invest in risky meme stocks.

Robinhood is popular these days. Vanguard has good ETFs. Look it up.

>>127807173
Watch martin shrekili or whatever he talks aboit fundamental investment alot

I have $7000 in savings and I'm a millennial.

I also don't owe any money, own a $6000 car and a $1600 car, have a $2000 PC custom pc, and a Donald trump hat that I got for donating $140 to his campaign that should be worth at least $1000, and I make $50,000 a year and I never finished college

Guess my occupation

>>127807665
Professional nigger

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>>127794044

They're bad at managing money because they don't have any fucking money.

The only way Millennials get decent jobs is either from affirmative action or from nepotism from their idiotic Boomer parents.

>>127807263
Thanks nigga. Looking into Robinhood now.

>>127806650
Yeah I did, came in at $3 thought before the first bubble

>>127794374
>Just don't spend money

Yeah ok fella....

Not like handling your money appropriately so that it makes more money is what people mean by "managing your money".

Obviously you're not affluent and white.

>>127794044
who cares? the USA is going to collapse because neither party wants to do anything about the debt. Our money is going to become worthless eventually so may as well spend it now while things are still reasonably cheap.

just buy guns and ammo for the inevitable collapse

>>127795200

Millennials were raised by a school system that parroted "college, college, college" without emphasis on the concept of a return-of-investment. Which is why you see the job market flooded with Liberal Arts majors who didn't understand that their 1 credit-hour for synchronized underwater basket-weaving was charged at the same rate for 1 credit-hour of engineering courses.

On top of that, most Millennials were raised in households that emphasized consumerism to indicate their social stature. Just look at the size of the houses and all the "toys" Boomers take loans out on to show off to their peers. Growing up in an environment like that teaches unsustainable financial habits that conflict with reality.

The Boomers never taught their children to fish. They taught them to take loans out to pay for someone else to fish for them.

>>127794044
They are not buying homes because they earn the same wealth their parents did in the 70's but now everything else cost many times more than it did in the 70's due to the fiat money and federal reserve inflating money by printing it.

Dont think about salary. Think about ratio of salary to home cost, or salary to car cost, salary to education cost, salary to healthcare cost.

Youll see that stuff that was a fraction of a years work...or in a lot of cases with homes being around a year or two worth of salary all the little stuff is a much larger portion of what someone earns...leaving little for saving and home purchase...

Remember that economic numbers are very easily skewed to look good especially with an audience who is totally ignorant of economics which is a majority...even among economic students and professionals.

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>22
>full time job with benefits
>Own a home
>Own a car
>Contribute to my 401k
>STILL NO GF

It isn't fair bros. I just want a nice homely gf that I can move out to the country with and raise 6 kids.

retard alert

I have been looking at Scottish houses and they are still an affordable level relative to the rest of the UK - I am thinking of buying a £50k house near Glasgow in the hope Glasgows surroundings gets gentrified - does it make sense?

Inflation has destroyed the American Dream.

Boomers got jobs out of high school paying $60000 a year. That's the equivalent of over $250000 today. No one can catch up with that because salaries didn't keep up with either inflation or productivity. Today's employees work five times harder for five times less compensation. You can't even support a family on your own anymore, every household REQUIRES a working mom just to get by.

Got about 30k in my savings and 7k in my 401k at 24.

A..am I going to make it?

>>127810518
Please shoot me

>>127811088
youll be fine as long as you dont retire

>>127810518
>it's inflation's fault

it more of a person's fault, inflation is given

people with low value skills tend to have lower wages, and they can do something about it, like getting a degree or some certifications attesting relatively high skills as a result of self-training

>>127811088
if your savings will generate at least all annual costs you have - then you're pretty much good to go

have a bump

>>127801460
Well, at least some people get it. Working a hs-level/minimum wage job is easily livable if you're smart with your money and know how to spend within your means. No, you're not going to be going to Hawaii or Mexico every summer. No, you won't be able to get a summer job so you can buy a BMW and house with some cash left over. But there's no use getting salty over that.

>>127794044
The only way I have saved money is due to having put money in Buttcoin back in 2013

>>127801253

Why the hell are you saving so little in this scenario, and why aren't you investing? Pretty flawed mang.

Also this ignores the ability for having a nest egg by 20, which is what I'm working for; saving and accumulating wealth is much easier when you don't live downtown and party each night.

>>127799559
>In fact, my bachelors has nothing to do with my current job as it was in biology.
This is the hardest jump to make, unless you're a good bullshitter and can stretch your previous jobs/degree into what you want to do for money, or outright lie on your resume, you're mostly fucked.

Many made the mistake of thinking that they could get entry level jobs that would help them work towards the careers they got degrees for.

It of course doesn't happen no matter how much they work at it.

Many entry level positions at bigger companies will get thousands of applicants. Even a fast food restaurant will have dozens if not hundreds of applicants for the luxurious position of sandwich making.

No one can work towards their goals and they got into debt trying.

The whole situation has made me cynical towards anyone that works higher paying jobs as it's clear that the vast majority got those jobs due to either nepotism or affirmative action, since those are the only options left when merit based hiring is taken out of the equation.

>>127801253
What if I save $1000?

>>127801253
absolutely right anon. better to get that new iphone instead.

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>>127794044
>tfw you're only 21, and save 98.4% of income.

>>127806148
well that's different then

>>127814751
>mama, papa, I love you

Milennial here. I don't spend a lot, but I don't make a lot. I don't "save" for retirement because it won't be there when I get that age. By the time I'm 70, the retirement age will be 80. Add on inflation and my savings will be even more worthless, only last like 5 years.

The current system cannot work and it will come crashing down before I hit that age. Not to mention I'll probably die anyway.

>>127815615
>mama, papa, I love you

I haven't lived with my parents since I was 18, but it's not a bad financial decision schlomo.

>>127814257
>What if I put in double of the situation.

C'mon man, surely you can solve this.

>>127816601
What abot half?

>>127816070

Absolutely this.

>why don't millennials save for a home?
A deposit for the average house is $300000

>>127794044

millenials being bad with money is good for you retards

>>127795745
So working 67 hours a week and only making minimum wage is enough money to support a wife and child, buy a house, have a car, and have my bills paid? No. It's not. Most jobs available to my generation are minimum wage unless you are in debt to a college. It isn't that none of us work hard. It's that we are still struggling to undo the retarded lessons and damage that the fucking boomers taught us.

>>127801460

> Be my mom in Yugoslav era
> Fall for the save money meme
> She hoardes shekels
> Le Sudden war.jpg comes
> Le Inflation hits hard because no news to aware us of abrupt bankruptcy
> She lost an equivalent of circa 400 000 $ today

Kill yourselves.

>>127816749
Yup. My "retirement plan" is when I'm done working, sell everything I can and move to outback where it is cheap as fuck and die out there.

>savings

That shit is for baby boomers. "Wow, I got three cents in interest for my savings!"

Millennials invest. Show me those statistics.

>>127816868
>Get a savings buffer for the hard times
Now, imagine what would've become of mother dearest if she didn't have those savings?

>>127817049
>I'm saving a bunch of money so I can one day fuck off and go die in a hole!

Congrats?

>>127817049

My retirement plan is to backpack nuke suicide bomb mecca.

>>127817233
To think, all his ancestors needed to do was get arrested in the UK to go die in a hole.

>>127817223
Imagine what would have happened if she didn't buy into the propaganda about savings and tried turning her money into something solid like property such as land or gold.

>>127817223

Everything got inflated and her money turned into worth of 1k $.

It was communistic regime that suddenly switched currencies and trading. Money lost value and banks went bankrupt over night.

State declared bankrupcy and took all the money.

>>127816070
Millennial here, I make good money because I'm not a worthless retard and I applied myself through school. I put away 15-20% of my salary monthly into low-risk investments and savings. I will own a home within the next 18 months in one of the 25 most expensive real estate MSA's in the country. I will retire around 55 and do whatever the fuck I want until I die.

I'm 23 and have $45,000 in savings. WHAT DO I DO WITH THIS? I MAKE A LOT OF MONEY, BUT LIVE A NEET LIFESTYLE AND SPEND NOTHING.

wages hasn't risen while the cost of living has. in addition, there are new costs of living in today's world - student loans, healthcare inflation thanks to obamacare and instability of future healthcare due to current political climate, and costs of modern technologies.

>>127817420
Good for you. The schools I was sent to were little more than daycare centers, I didn't learn shit. One of my classes was typewriting for fucks sake.

People are told to spend everything they have. If millennials stopped spending the economy would crash like nothing you've ever seen. The only thing keeping us away from another great depression is generational irresponsibility

>>127795521

I have literally no idea. As a couple we make 50k a year and managed to accidently save 110k, over a combined total of 10 years working. Sure it's not great but that was without trying. We still went on holiday, ate well, drank wine...

Been renting the entire time also. Must be all the 60 quid a month iphones etc people buy.

Millenials are going to be fugged because Boomers expect to retire with infinite pensions at 60 and expect Millenials to work to support them till they die.

>>127795226
>nosavings because govt retirement
>inb4 govt takes away vets retirement

>>127801253
>b-b-but i cant afford to save money and it wont be enough anyways!
join a mutual fund you mongoloid
next to no work and has a moderate payout for those who arent gonna invest heavily

heres what i do
>save %75 of check after paying bills
>40%into savings for emergencies and retirement
>35% into investment portfolios
>25%for whatever the fuck i want for the next 2 weeks. what ever you dont use you put into the savings acount or into a separate fund in your socks or some shit if you are trying to buy something more expensive

and remember to diversify yo bonds nigga

>>127818364
of whats left after paying bills and taxes*

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we aren't all so bad.

t. a 31 year old

>>127794044

>>Government preaches liberalism for a generation
>>Public school preaches liberalism for a generation
>>Colleges preach liberalism for a generation
>>Liberal generation spends liberally

Not that complicated.

>>127794044
Because..
> Can't someone else pay for it?

>>127818654
>500k mortgage

whats your income that is way too much debt to assume

>tfw zero debt
>own everything outright
>60k in bank
feels lonely

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24 years old here

>>127819149
135k, 500k is entry level where I live, and my salary is middle class. The interest gives me 18k deductions per year.

My girlfriend lives with me and makes about 80k, the ~3k payment is comfortable enough for us while still maxing 401k.

>>127818654

>Has loads of savings.
>Still has 3k debt.

Americans are retarded.

>>127819507
when you have money credit is easy to come by. Why should I pay off 0% interest debt any faster than I have to?

>>127806148

but won't business be "booming" when all the boomers start kicking the bucket soon?

>>127819319
I'd probably have 30k saved if I could actually find a "real" job.

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>>127794044
Haha jokes on you, I don't even have any money. So I can't manage something I don't have.

>>127801065
Your point is?

I'm 18 you cunt I don't have money to manage

>>127816868
>living in Yugoslavia
There's your problem.
Shoulda bought gold knowing Yugoslavia is shit. Would've made a killing selling it afterwards

>>127801728
drinking alcohol is cuck-tier. you're cucking your liver and brain by doing this

I'm 20 and have about £20,000.

>>127795521

It helps, but there are ways to game the system.

I used to play wow with a guy that was a mid-30's high school dropout and he averaged 150k a year from a combination of self-publishing on amazon, online poker, and smart investing.

I have to live in London, because for my field job prospects are scant outside of london.

In London they pay me just slightly over the national wages.

I have to pay back student debts, and I have to pay extortionate rent (£600 a month, is minimum rent and that is for a bed and access to a bathroom). On top of that I have to commute which takes another few hundred off me.

Im trying to save by eating the cheapest groceries I can get -but honestly I'm cucked before I even begin.

>>127794719
To make interests happen, their savings get invested into businesses that employ millennials. Seems like a legit system, but I wouldn't expect economical literacy from a demlib

>>127820393
>In London they pay me just slightly over the national wages.
national average

>>127808789
This.

>>127819943
accumulate 150k worth of debt for a job that probably pays 40k a year

>>127817524
Invest

>>127820055


> Problem

This could happen anywhere in an era where there was no internet.

Bonus points if you had commies.

People had no idea about recession in 2008 with internet in america, let alone a fucking commie country in 70s

>>127819853
I got hit by a car, you should try that

>>127812309
Exactly, millennials I know are irresponsible alcoholics with no marketable skills

>>127801460
>Brew your own beef


AHAHAHAHAHAHAHAHAH I was actually taking you seriously up until then, ahahahahah.

>>127794374
>There's nothing to teach
wrong.
t. guy with 300k eurobucks in savings

>>127803548

get a better job then burger

>>127813284
Nope, it's easy to learn just like any other skill if you know how to learn skills. And natural sciences emphasize learning. Now jumping from liberal arts into engineering - pure fantasy.

>>127813904
You seem to talk a lot and listen not that much.

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not all millennials wear capes

>>127816070
Millenial here - I have two jobs and earn about 150k a year in Europe. My wife has one job and earns 50k. In three weeks I will have a mustang and in two years I will buy a home. Fuck you, idiot, you are the only one responsible for your shitty life.

>>127816833
Learning PHP doesn't involve going to college, you lazy fucker. Minimum wage jobs is available only to fuckers like you who have no skills and don't learn.

>>127797058
True value of fiat money, mkay.

$45k on my bank account right now. The rest is outspread in different investment like in the forest bussines etc I don't know the exact some but like 3M. But I will probably inherited like 22 millions, alot of property and land when my pa and ma past away.

I'm 23 btw.

>>127808789
I agree with most of what you said, but when you look at actual admissions / application rates for state colleges in California, the vast majority of students are applying for college to study majors which most would consider pragmatic/STEM, so it is unfair to claim that it is all "underwater basket weaving" majors which are under/unemployed. Many STEM majors are underemployed or unemployed as well.

The problem is that employers are using highest education achieved as a crude thresholding tool to sort through their resume pile. If only the top 50% most educated applicants can find work, then no amount of education will help the bottom 50% who are least equipped to afford extravagant education investments in a zero sum game.

The real issue is that minimum wage and automation are displacing the least competitive applicants at the same time that a demographic shift has created a large class of consumers whose spending is financed by entitlement programs that contribute to price inflation.

Paraphrasing: "This democratic Republic will fail when people realize they can vote themselves free money"

So.... Anyone in favor of a UBI? :P

>>127816868
You live in retard land breh. You don't have to save your money as in have it liquidated, you can invest it wisely and "save" it that way. Throwing away money on food, drinks, and frivolous expenses is not saving and preparing. Also you're retarded for letting your mother save in a third world country and not trying to invest at least and see if she could retain value that way.

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>>127801253
>Anon, there is more to savings than just saving.
There is so much opportunity in cryptos right now, I find it amazing millennials can't make money.

I'm 34 and have about $200k saved. Since I'm running a business I can't afford to spend much time on researching how to invest and I also don't trust the jew investment bankers.
I'll probably just buy a home soon and most of what I earn after that will be put into some mutual fund or ETF.

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>>127821746

this

>>127795911
Dude trade school get 40$ an/hour operating equipment.

>>127795521
this is a bullshit excuse. Im graduating with a bachelors in a month and I will be making 70k starting salary

>>127794044
So how much was it?

>>127821929
how can you be so soulless as to rip of your own people.
you only want others to buy in so you can cash out.
otherwise there would be nothing in it for you.

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>>127794044
>How come millennials are so bad at managing their money?
It's not just that financial responsibility isn't taught anymore, it's that financial irresponsibility is. From childhood to mid-twenties they paid for almost nothing with their own earnings, everything was either purchased for them or purchased on credit.

And it's not as if it's unintentional. The education system has been in the hands of the left for generations. When the bills start coming due they become a guaranteed voting block.

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>>127822624
fuck off, commie.

>>127794374
Yep.

I'll tell you why they suck at it so much.

Outside of student's loans ofc because here for example they aren't really a thing.

Here's your millennial though:

>goes to university far enough from home to make trafficking there unviable even if there are better unis less than 20 km from his home, all of this to rent a room at shitty price and be able to invite their gay friends to gangbang him without feeling shame in front of parents
>despite living in 15 minutes walking distance from his uni, he drives his car there, doesn't even take a bus
>goes to barber/hairdresser every 10 or so days. His hair has to be perfect after all, also does lots of expensive stuff with it
>often on weekends he drives back to his pops, obviously in his car because 30 minutes long bus ride is impossible task
>expects to party every weekend when he isn't at his parents
>drinks in clubs rather than drinking before going to clubs
>eats out from Monday to Friday(sometimes also on weekends, when he stays there for some parties), often even breakfasts
>buys electronic gadgets on a whim. the more expensive the better, I personally know a guy who had 3 different phone contracts at the same time because he was an idot
>wears clothes good for going out at home instead of wearing cheapshit and old stuff, this results in his/her clothes proper wearing down faster
>buys $500+ suit(plus some odd money for tailor-fitting it, which is a default when buying a suit though) and wears it twice a year
>is an occasional drug user even though his alcohol expenses are fuckhuge already

Also the most annoying thing although not money related:

>glued to his phone 24/7, can't focus on anything

Don't get me wrong, the times are hard but some people are just dumb with money. Even cooking food yourself saves you tons of money and ffs don't tell me you can't make coffee and an omelette on breakfast.

>>127823142
>30 minutes long bus ride is impossible task
That's for the ones who rent a room despite living close to their home*

>>127795521
>friend makes 85K a year fresh out of university at 23, working on submarine contracts as a temp a year ago
>will make 100k+ when he gets taken on as a full time employee
I never went to university myself cause my family owns rentals, but you're retarded if you can't make good decisions in your career path.

>>127823244
>neet taken care of by parents giving advice
fuck off idiot
look at median incomes
yes some people win but most people lose

>>127802815
>don't filter and end up with cloudy garbage
Filtering has nothing to do with it. Assuming you're not using fruit or something which can create hazy beer for all number of different reasons, you just need a hot break and a cold break. Cider or similar is often a lost cause due to pectin, there's no stopping it and you can't filter it out either.

>>127803312
>If you eat so much that you need to cook for yourself, then perhaps stop eating so much to begin with.
It has nothing to do with the amount, you have a lot more control and you can make all kinds of different things with the quality only limited by your skills. It's usually a lot fucking cheaper than buying booze and you can try out many new things and tweak your recipes. There's a lot of nuance in brewing since slight temperature differences or different strains of yeast can change the taste.

You shouldn't need to justify saving money or doing a hobby you enjoy, and there are an absolute ton of drinks from history that you can't find in a store now. For example, let's say you want to try an elderberry melomel or some such. Good luck finding that in the wild for less than $500. Brewing is also strictly necessary to make your own vinegar and the skills and tools cross over with a lot of fermented goods (pickling, sauerkraut, ginger ale, etc.), all of which have pretty much the same argument for why you'd do them at home.

It's a craft like anything else. You don't do it yourself just so you can get storebought beer cheaper, you make your own beer.

>>127823041
a commie for trying to prevent other anons from getting scammed?

many factors here
outsourcing has stolen a lot of jobs
to make a decent living now you need higher education or trade school but must kids are told trade school is below them
they choose shit tier degrees when they do study ie gender studies nigger studies
the future looks fairly bad for the west meaning people in general are less likely to save cash and just spend it cause yolo
often time kiddos want that new shiny thing to show as a status symbol even if they are poor as fuck otherwise
lots of manunal labour jobs of the past are in the process of being done by machines

a lot of jobs kids would do as a first job are being taken by 40 year old foriergners and illegals

caps on pensions have increase people must work till 70 to gain them currently in aus

>>127803312

It's not about the amount being drank, its that it costs me £20 no taxes to make 30 bottles of 14%wine. I can make about a litre \ litre and a half per batch if i run it through my small 20litre still, and double if i run it through my 50litre wtill. When vodka here is £20 a bottle, it makes sense.

>>127795521
Age 18 anon here. I am currently working at a metal melting and refining company for the summer. $30/hour, 4on4off shifts, just finished first year Engineering going into second in the fall. I purchased my first car a year ago so I could get a job, as I lived in a rural neighborhood. I could probably drop out of school and go full time at this plant (which I won't), but that is only one year of post secondary to get my foot in the door. Wages for full time start at about $35/hour and you can only go up from there, not to mention overtime.

>>127794044
They're the children of the boomers children, they grew up not knowing what money was worth and also assuming they'd never be able to afford a house, sure it takes longer to save nowadays but it's still very possible, even on minimum wage.

These are probably the same people who complain about not having money despite buying $100 sneakers and $10 Ice creams.

>>127824001
Is that cheaper than using potatoes and malt?

>>127823523

That's why you use pectolase prior to break down the pectin. Or fining agents such as gelatin to drop it out of suspension. Saying there is no stopping it is just ridiculous, have you never bought a clear cider? It can absolutly be filtered out.

Yes, yes. Save up fiat money, ull be fine.

>>127824523
My point is that has very little to do with it being "garbage" or not. It's not like you made a mistake to cause it, like with hazy beer. It's just part of the fruit.

>>127794865

That and Boomers themselves usually live on credit and are so deep in debt that they'll work till they die or get forced out. Whats more the gen X lot are even worse.

>>127794044

I make something like 500 $ a fucking month and saved up 4000$ bucks.

no debts at all

What's your excuses ?

>>127824348
When I do still runs i just use a sugar wash. I buy 5kg of sugar for £4 some yeast, water, nutrients. This way is cheaper than potatoes and malt and quicker too. If i make wine then it's more expensive because i have to buy apple juice.

>>127824656

Yea, some people buy cloudy cider, its normally the high cost stuff here because its marketed as all natural and stuff like that, while the filtered clear stuff tends to be cheap and nasty, still drinkable though.

>>127794044
>How come millennials are so bad at managing their money?

Because their parents never taught them.

>>127796637
>Uurgh, I can barely function without my premium Starbucks ripofficcino every single morning?

On top of their parents never teaching them how to handle money, this is another point - their brains have been hammered into submission by marketing.

I know people who will completely sincerely tell you that their Starbucks coffee in the morning is the luxury that makes their life worth living.
These people are fucking retarded consumerist drones, damaged beyond repair.

>>127824800
If it's just sugar wine then why do you stop at 14%?

>>127821746
Do any but Bitcoin even have a volume that is high enough to make decent profits?
Doesn't matter if I can see growth rates of 30% within a year if even investing just 10k means that I am already own the whole market

>>127821205
>buing ford
jesus christ kraut, you make one of the best automobiles in the world..

>>127821556

I wasn't even born back then lmao

>>127825507
Less fusel alcohols that can produce off flavours when distilled. If i was doing a whiskey with corn for flavour then i would probably bring it down further to 10% to minimise their production.

>>127821507
i'm sorry but none of that sounds progressive or tolerant.
i think your wealth should be distributed between refugee families.
sending a message to migrationsverket.se as we speak

>>127794044
>>127794044
FAKE NEWS


http://time.com/money/4170946/millennials-saving-more-retirement/

>>127826175
Always use archive.is on sources renowned for shilling and clickbait. Thank you.

https://archive.is/dmxin <- time.com article

>>127826189
> under 10%
After a fantastic computer and 200 games I have nothing else to spend money on. I'm trying to throw away $100 a week.
Living at home is the best.

>>127794044
You old bitch. Nice try Shlomo, Oyyy vEEEEy why Ont you buying a home goyyyy! Its like anuda shoah

Suck my dick rabbi!

>>127794044
>be 26
>work full time
>make between 1400-1600 a month
>rent is 700
>utilities are 100
>gas is 200
>food is min 100
>cant afford healthcare
>manage to barely scrape 100-200 a month savings

I hit 3k in my bank half a year ago and I keep teetering between 2k-3k a month thanks to random bullshit.

My fault I got a meme degree.

>>127826615
Most honest person in this whole thread

>>127826615
why not study something IT related, dumbass? that's easy 70k a year if you are a sysadmin.
your job will basically be to not have a job and it's easy as fuck to learn linux administration.

>>127826615
>be 26
Get a roommate, anon.
>$400 a week
That's about what I make so I'm assuming you work at some factory type thing where you're around 100 other people for 8 hours. Surely you've made friends.
If I get kicked out that's what I'm doing.
Sucks your work doesn't offer healthcare. Even my shitty $5 a week package pays 80% of the bill.
Get a gym membership, get in shape so you have more stamina and sleep better and put in that overtime... at least that's my projection dream onto you.

>>127802815
never heard of clarifying agents?

>>127824758
Do you live in the countryside or one of the big cities because , do you live on your own or do you save money from rent by living with your parents because those are important questions to be answered .

>>127794044
Probably because their idiot parents and disney movies told them they could be anything they wanted to be. So they took out massive student loans to pay for useless degrees during a bad time for the economy.

>>127827075
I have a roomate, my gf, she makes more than me and rent here is stupid even for a small place.

OT is stupid because taxes take basically all of it. I worked 10 hours OT last week and saw about 30USD of it. Fucking pointless.

>implying Im not fit

>>127826856
Still owe money on my student loans for meme degree. I cant afford, time or money wise, another. I was also turned away from the military so that sucked.

>>127806662
There are people who do it for you. Visit a financial adviser and he will invest your money in a wide spread of trusts, companies, locations. Meet him four times a year and otherwise just let him stick your money in the Jewest places, then set back and over 10 years watch it make you rich (in comparison to your friends). My grandparents had salaries lower than average, and they've got 300k dollars.

>>127827580
This is me in a nutshell, mixed with being not very smart/dyslexia.

>>127827481
No jobs in the countryside is why I moved to a city.
My parents kicked me out after HS because I was 'old enough' and they 'paid their own way through college working at the steel mill' (making 14.50 in the 70s. I make 13.50 now kek)

>>127827612
That's a warped view of OT. If they're really taking that much then you'll get more of it in a tax return. I know that doesn't help you NOW, or for basically another year. But here in Ohio, when I work 1 Saturday I see another $100 that I'm taking home. It feels like 25% of my paycheck for 8 hours. Feels good. Plus Sundays are double time.
I'm sorry you live in the city. I'm not being facetious. Fuck those prices.
Take heart. Boomers will die. Houses will be empty, prices will drop.

>26
>still live with parents (large, 23 acre property)
>hunter guide assistant
>started @ 18, earning $38k a year
>now $61k for half the year
>additional $14k a year DJing once a month
>additional $6k a year doing graphic art side gigs for merch/ads/misc
>I'm I frugal? have I invested in various funds and indexes? have I put $23k in cryptocoins?
lads, there is work that pays good, the parts that's extremely inconvenient is uprooting your current location
>trucking
>mechanic
>pest eradication (house to ranches)
>harbor/docks
>logistics
>fisherman
>gun manufacturing
>carpentry/specialized/luxurious
>slaughterhouse
>forklift
>L.E.O.
>armed security
>destroyer (evidence/confidential/merch)
>heavy equipment op
more things

>>127828024
Yeah, here in commiefornia they tax the shit out of you. And we dont get doubletime, just OT.

Should mention I am a mall cop.

>>127828024
They won't be empty.
Liberals think that importing impoverished workers is a good idea. Those guys will take the boomer's place on the market.

>>127827612
>Still owe money on my student loans for meme degree. I cant afford, time or money wise, another.
All I see here are excuses.
Yo literally need just an internet connection and a VM station to start learning linux administration.
Infact install that shit and start using the terminal as much as you can.
I promise you in a month you will have the knowledge to start in any company as a junior sysadmin.
Start with the OSI model, then learn about Nagios, HAProxy, everything about DNS and you are good to go.

>>127828814
I dont think you understand what you are saying, because I certainly dont. I dodmt even use a computer till 19 and dont even own a laptop.

>>127828814
>implying the HR wont just throw your resume out immediately once she sees you have no degree in IT

yeah you can self teach a lot of things but most of the time if you dont have a paper of it its worthless

>>127821162
Now that's what I call a skeleton mode.

>>127829558
Where I am from degrees don't mean shit. Any schmuck with a couple of grand can start uni and get a degree with minimum scores.
I have friends who study IT and got their bachelors last year and dont know shit, let along land a job somewhere in IT.
They look for skills firstly then if you got a degree.
Make a nice portfolio, do a few projects (php is easy to learn), don't be a bum at your interview and you will easily land a junior position.
Most anons are cringy autistic fucks who can't sell themselves and that's like 70% of a job interview.