post stats>Age 29>Savings - $4000>Checking - $398>Portfolio - $103>Assets - $3000am I fucked?
>>59671665same age and youre doing slightly better than me and also 99% of americans
>>59671691I find this hard to believe. I honestly believe I should have $1000 for every year of my age in my savings- $29,000. That's why I feel like a dumbass. Unfortunately, I spent my early years as WEED DUDE LMAO and did SoundCloud rapping. I regret it.
>Age 29>Savings - $37,000 (including roth and 401k)>Checking - $2,000>Portfolio - $175,000>Assets - $20,000Bonus>no debtJust need a nice LINK pump
>>59671665age 3070k in the bank3k in crypto1k in s&p500a car worth 10kand an infinite amount of regrets...
>>59671854muh nigga, congrats
>>59671665>Age 29>Savings $20k>Checking $14k>Portfolio $1.8m>Assets $300khow the fuck are you people not already 7 figures after being here for a few cycles
>>59671665>32>362k BTC>27.6k IBIT>50k cash
>>59671909I've wasted 9 years on /pol/. I'm new to /biz/. Trump coin enlightened me. I made $200 on it a couple days ago and now I am hungry for more.
Age: just turned 2850k€Car about 4kLiving in a separated apartment in parents' house 0 rent, just help around
>Age 36>Savings - €40.000>Checking - €10.000>Portfolio - €500 in crypto €600 stocks>Assets - house worth €500.000 (homeloan is €300.000 remaining, €1.400 a month, 20 years to go)>Income - €6.000 a month (together with wife)I want to invest this 40k so bad but I'm too scared to. I have kids, I don't want to blow their future funds. At this point I'm just accumulating to the bank and probably buy some property in a year or 2.
>>59671710>SoundCloud rappingPost links.
>>59671920The first thing you or anyone in your position does is enter the shitcoin lottery. The majority lose 95% when it dumps to zero in the bear. Those who stay become Bitcoin maxis. Save yourself the trouble and just start DCAing Bitcoin every paycheck. Do not sell any for at least 4 years and you'll make it a lot faster.
>>>Age 33>Savings 40k>Crypto 3k>Stocks 9k>Gold 2kNo debt/credits/...Europoor from financially retarded family.
>>59671920stop buying solana shitcoins. Literally all you have to do is buy BTC at the 4 year cycle bottom and sell at the 4 year cycle top
>26>Savings 8-13K (I have stacks of cash I havent counted)>Assets: basically none>Portfolio 37K>Stocks: 30K
>>59671933deleted that shit. I only had 97 followers and 16,000 plays. Doesn't matter
>>59671920Thanks for being honest, newfags joining /biz/ is a reliable indicator that the bull run has less than 6 months left, just like gme baggies 4 years ago.
>>596716653422k in crypto52k in S&P500 but I just pulled it all out onto government backed securities in case the world shits itself in 2 days if the BOJ raises interest rates.
>>59671969sorry for interrupting your little club, faggot
>Age 26>Savings - $1680>Checking - $273>Portfolio - ~$6500 all in on XRP baybee>Assets - None other than my shitty Honda Civic
This seems like an honest thread. I will contribute to this humble data mine>35>Savings $0>Checking $1800>Crypto ~$93000>Assets ~$5000 (car)
>>59671665>33>checking - $5000>savings - $4500>wife has about $5-6k in checking and savings>portfolio - $750 in doge & TRUMP, ~$3000 in 401k >house - $89k mortgage, valued at $150k now>student loans - ~$20k>household income - $110k between wife and I>10 month old childidk our bills are paid and we live comfortably, and are planning a vacation later this year
>>59671992i also came from /pol/ about 3 years ago. that place absolutely rots your brain, but it does redpill you on a lot of stuff. it's like 25% red pills and 75% schizo ranting kek
>>Age 28>>Savings - $63k>>Checking - $1200>>Crypto Portfolio - $147k>>Retirement Accounts- $50k
>>59672019>less thank 10k invested>planning a vacationNGMI
>>59671992You need a more analytic mindset if you actually want to make money in crypto, seething because I called you a newfag top signal shows you need to lurk moar. BTW every poster here telling you to buy something is brown and it is almost certain you will lose money if you buy things that are actively shilled.
>>59672032I started on /b/ in 2009 before the Tumblr Wars turned it into 24/7 BBC and tranime posts. Those were the good old days. I miss raiding Habbo Hotel and saving abused cats. Shit was so cash. I moved to /pol/ in 2014.
>>59672048the problem is that you keep replying to my posts saying this same thing for the past 3 days. Unironically, kys for never giving me constructive ideas.
>>59671665>Age 37>Savings - $200>Checking - $10,300>Portfolio - $637,528 - 80% of this is in real estate. this number could be off in either direction by up to 20% depending on the situation.>Assets - maybe $25,000 ? like my cars and guns and stuff? I don't really think about it.I work a dayjob and I have a small business that makes more $ than the dayjob. I could sell that too but I don't count it as part of my portfolio...shit does snowball once you hit a certain level guys. Keep the faith and be very careful gambling... Remember Warren Buffet essentially isn't rich because he make crazy profitable investments - his genius is that he never made bad ones. He would just do +15% on average a year for like 50 years straight.
>>59672067We are giving you useful ideas. You won't make it this run. Stay away from anything non-Bitcoin. If you are smart and a fast learner (unlikely since you spent 9 years on pol) you could keep your cash and sell puts on Bitcoin ETFs as a way of making some passive income while waiting for a good entry, but that will take a couple years of patience. So just DCA Bitcoin, don't look at it, don't think about it for at least 4 years, and you'll already be ahead of 90% of the people on this board.
>>59672067And the most important thing in investing is to not be emotional. If you can't handle people shitting on you, you won't be able to handle losing 50k in an hour.
>age 21>500 in the bank>100k kaspa>no student loansit's over, isn't it?
>28 (canadian)>25k in bank>12k car>$2500 worth of credit card points>probably4k worth of electronics and gadgets and home tech shit>$210k in chainlink>0 debtBy canadian standards I may as well be jeff bezos
>>59672133>>59672161okay thank you. I will take your advice. But still, I see normies making $500 on memecoins....
>Just turned 28>total NW 335I got into crypto very early, due to getting lucky meeting the right ppl + playing poker online with doge in 2015.AMA.Buying a house soon in cash.
>>59672217I see normies making 500 dollars on scratch-offs.Nobody will stop you from gambling and maybe you'll be lucky and make it. I hope you will. Doesn't mean it's a good idea.
>>59671665>there are people who aren’t at least 8 digits>theyre white trash
>Age 26>Checking $3000>Pholio $15000 GNS $3000 RKLB>$4000 in tools/shitbox car I'm also fixing up a house I bought on some good land, hoping clownworld can help me squeeze $200k profit off that, fingers crossed because I dont see my pholio saving me from having to work.
Where are my fellow Gen-X’ers? How do you do?
>>59671982They’re going to raise interest rates. They just watched Trump shit on their economy
>>59672019Average American who refuses to see reality.During the economic downturn, you’ll realize where you actually stand
>>59671665>Age 23>Savings - $0>Checking - $0Portfolio - $1500>Assets - $7000How fucked am I?
>>59671954this could've been the breakout moment you were looking fortragic
>Age: 24>Savings: 6200 dollariroos>Checking: secrit>Portfolio: 2100, giga, epileptic, ltc>Assets: no clue like 2000?i think a lot of us are actually a little fucked but not that bad, remember slowing down is okay. don't entirely forget to make money but don't turn it into your personality and definitely don't spend time every single day thinking about it or doing it. you'll be miserable and take risks you'll want to slap yourself over a week after. been there done that.
>>59671920top signal
>>59671665You forgot to post your earnings/earning potential.You could be a 7/11 clerk diligently saving $100 a month, or you could be a doctor finishing his residency and picking which mid-6-figure job he wants to take up next.Believe it or not, you generally don't get rich by investing peanuts and waiting for them to grow.You get rich by earning a lot money, and then investing your sizable earnings.Of course, everybody here is broke so they're desperately hoping they'll find a shitcoin to 100x their peanuts, because then they'll only need to find two more 100x shitcoins and they'll have made it.But that's silly. Don't be them. They got here because they got a small taste once and now they're just chasing the dragon.Focus on increasing your earning potential first. If you really can't wait, start DCA-ing into Bitcoin, within your means, but don't panic sell when it inevitably crashes. Let the crash happen and keep DCA-ing. If you don't think you can do even that, stay away from all of this.
>31>250k salary between self and wife>No kids but hoping within the year we have one>40k in brokerage account >3k in savings account (just withdrew a ton of cash to buy a car)>Put 5k into both accounts per month (50-50 until savings is back to a comfortable level of safety)>Just paid off student loans, freeing up 2k/mo (we were paying them off quickly) for the above >14k loan for the rest of the car, $450 per month payment >140k-ish in 401ks >300k+ in BTC and LINK >200k mortgage on home purchased for 235k, now estimated value at 330kEnjoy your data mining feds
>>59672099“Time in market beats timing the market”Okay geezer
>28>$14k savings>$3k checking>~$45k portfolio>nothing worth mentioning for assets>~$14k student loan debt
Am I over leveraged in stocks and crypto?>25>70k crypto>30k stocks>4k checkings>Live at home with parentsAlso have a pretty decent job thank God, able to save cause of that.
>Age: just turned 30>Savings: $5000>Checking: $700>Portfolio: $30,000>Assets: $40,000I would be doing better but I have been helping my dad out with his cancer bills. If my XRP bag goes to the moon, I will be able to pay it all off and relax. Hopefully we all make it lads
>>59672561I forgot to do the thing.>Age: 50>Income: $0>Cash on hand: $50K>Home equity: $1M>Mortgage: $200K (@2.6%)>Filthy Fiat investments: $5M>Crypto: $25M>DAF: $1.5M
>>59671665>28>Savings: $0>Checking: $3400>Portfolio: $58,000>Assets: $1000
>>59672634Based boomer
>>59672014too aggressive for your age my man
>>59671665>Age: 39>Income: $0>Cash on hand: $40K>Home equity: 200>Mortgage: 0>Filthy Fiat investments: $2M>Crypto: $500
>>59672019Quit fucking around and start actually investing. You have a child. If something bad happened you'd be completely fucked.
>>59672059> I moved to /pol/ in 2014.>>59672032> it's like 25% red pillsGrim
>>59671665>Age 31>Savings ~$30k>Checking ~$10k>Crypto ~$562k>Real estate $~900kStill a virgin and live with parents though
You fags be like>I have XXk in cryptoBro, can you even withdraw that money? LMAOKnowing recent KYC rules, you will have to provide all the documents you have along with your DNA sample and a 3D scan of your asshole only to get>your account is being verified please waitfor months until a crypto crash will "temporarily" pause all withdrawals, followed up by a rugpull as the CEX jews had 0 cash.
>>59672693>you will have to provide all the documents you have along with your DNA sample and a 3D scan of your assholeWho cares mine is already on the blockchain
>>59672693The president of the United States launched a shitcoin, a bitcoin strategic reserve is incoming, pro crypto SEC chairman coming in, Trump's foundation loading up on ETH, Bitcoin & Eth ETFs with more to come and you're STILL afraid of crypto.
In 2024, the average net worth of Americans varies by age, with the highest averages for those in their 50s, 60s, and 70s. >Age ranges>Under 35: The average net worth is $183,500, and the median is $39,000 >35–44: The average net worth is $549,600, and the median is $135,600 >45–54: The average net worth is $975,800, and the median is $247,200 >55–64: The average net worth is $1,566,900, and the median is $364,500 >65–74: The average net worth is $1,794,600 Factors affecting net worth Career earnings: Many people have higher earnings in their late 40sFinancial priorities: Parents may be paying for college or other postsecondary education for older childrenHealth care: Some people may start spending more on health careInvestments: Many adults in their 40s and 50s diversify their investmentsYou can compare your net worth by age using resources like Fidelity Investments, SoFi, and Kiplinger.
>>59672435how so? Just tariff talks or did he do something specific to japan?
a year old but the percentiles show how you stack up
>>59671665>Age 33>Savings - $0>Checking - $7 392>Portfolio - $5 378 290>Assets - $0>Crypto - $0
>>59672693> Bro, can you even withdraw that money? LMAOWeird meme I see often. A form of cope I assume.I've withdrawn several millions with no issue.Yes, I did have to dox myself and provide source of funds. But no, nobody held my funds, I transferred crypto to exchange, traded to USD and wired to my bank on day 1, it landed in bank account on day 2. I wired it to brokerage on day 2, it landed in brokerage on day 3. From there I invested in the most boring ETFs I could find. Done.Caveat: Don't be an idiot. Many exchanges are deeply untrustworthy. Even with the reputable exchange I used, I sliced my operations in several smaller chunks to reduce my exposure to bullshit. YMMV.I keep myself fully verified on 4 exchanges, some of them being completely obnoxious about it (Yes, Kraken, that means you), so I'll have options next time I decide to rebalance.
33~230k in cryptoNEET
>>59671665>Age 36>Checking/Savings: $110k>Crypto: $1.2 million>Stocks/Retirement: $700k>House: $665k>Car: $25k>Debts: -$421kI had barely $200k net worth and I was still living in a cheap apartment only 5 years ago. Now I'm trying to figure what I'll tell my parents before I quit work and fuck off to Asia later this year.
27POOlanddenoted in dollars100k 40sqm flat (small af)30k plot o land (1000sqm)12k in HBAR (35k)75k in GME shares (2541) - only need a 3x to fuck off work for a few years and build a house. I fucking hate my job but it pays great (4k p/m - more than 95% in the country so).
>>59672634Unironically I believe this isn't a LARP because you are 1) older than 99% of this board and time with compound interest weaponized properly can make you filthy rich and 2) your advice is sound unlike most of this board.Do you have kids and a wife? Your kids would've made it before they even enter the workforce. Feel free to share other thoughts not often we come across a legit whale.I'm 1.5m at 29 (no larp been here since 2017) and wondering what the hell I should do the rest of my life, don't really have anything to spend money on.
>>59671954honestly most people quit before they hit it big you could of had your moment coming but you gave up therefore you don't deserve my advice on your financial situation, sorry.
>32 leaf>10k cash>429k index funds in tax advantaged accounts (TFSA/RRSP/FHSA)>575k crypto, mostly BTC/ETH/LINK and probably have a huge tax bill when I sell>15k carNet worth about 800-900k after tax, not quite 1m. Just hit 108k/year income.It will be nice if the 250k+ capital gains tax doesn't go through, if I get to 1m crypto it would cost me 67k in extra tax paid, which is basically 10 months of working after-tax.I was hoping to sell most of my crypto and work fulltime on my own gamedev business once I hit $1.3m net worth since that would afford my current cost of living and I could afford to risk it without worrying about returning to waging, but I'll probably wagie another 2-3 years in my current position after that just for the extra financial security, and make sure I can cover things I didn't think of like benefits, replacing my car if it dies, etc. Maybe a bit more so the portfolio can grow at a faster rate than I withdraw it. The place I work isn't doing great and there's a chance I get laid off, which would give me 6-8 months severance, and I'd lose that if I just quit.Although I would like to own a house one day, maybe it would be worth waging an extra 8-10 years for that.Or maybe I can retire to SEA and live cheap for a few years so my portfolio can grow even more.At the same time it's not like I'm retiring, I plan to still work on my own thing, but I don't want to rely on it to make money to survive or afford things.
>>59671665Legitimately what the fuck are you doing?You are a grown man get your shit together
>>59671920I would be you if I hadn't discovered /biz/ in 2016. People are wasting so much energy over at /pol/ when they could actually learn and do something useful with their lives.
>34>Savings: 2000>Checking: 600>Portfolio: 0>Assets: nothing other than a car>Medical diagnosis of developmental disability: acquired before the age of 22 which qualifies me for social security payments of 1300$ a month in my state>The special needs trust for me that is in my dad's name, meaning I don't have to report it to social security: 7 million USD as well as assets of all sortsHope you guys have a great day at work tomorrow, I think I will spend this week leveling a paladin on classic wow (vanilla of course) when I am not doing volunteer work in my community.
>>59672904I was tired of emulating and promoting jogger behavior
>>59672594bootyblasted - stay poor
>>59671665>age 24>Savings - $800>Checking - $400>Portfolio - $7000>Assets - NoneAm I cooked?
>>59673069If you have skills and have or are about to get a well paying job where you can save 30-50% of your income then you're fine.If you lack skills by this point, no job or low paying job, then you're cooked.
>>59672888Yeah, I prefer to give good advice rather than describing what I did personally, because it's mostly non-reproducible and therefore generally useless.I have a wife but no kids. Bunch of nephews, but none of their parents are loaded, so beside helping here and there, they're mostly figuring out how to adult the hard way. They don't know our numbers, so I guess they'll get a nice surprise when we die.My investment approach has been mostly bogleheaded, which I still think is one of the least bad way for ordinary folks to handle being forced to touch financial markets (modern portfolio theory for dummies, as I think of it.)I did mine a bit of Bitcoin very early and sat on it, that's the non-reproducible part that ended up completely dwarfing everything else I've done. I did some half-hearted attempts to grab a few cryptos over the years, but the price action being what it is, Bitcoin is now 97% of my crypto holdings and climbing.Taxes were annoying, I optimized what I could, with long term cap gains in a state with no income tax, plus I threw a few appreciated Bitcoins into a donor advised fund, which helped offset the cap gain taxes while maximizing the donated value. Except now I'm struggling to figure out which charities to spend it on, to the point that the fund is growing faster than I'm spending it. That's more or less it. I don't trade like most of this board. I researched it for a couple of years and concluded I would suck at it. I looked at hiring folks to manage my money for me, but came out of that deeply unimpressed.Am I a whale? I'm not sure. Whether Trump's policies end up benefiting me financially will probably be the litmus test for this.
>age 23>savings - none>assets - none>crypto - $300 in my coinbase wallet>stocks - $60 down from $500The cost of my last semester of college just wiped all of my income from my job for the past 7-8 months. At least I don't have any debt.
>>59671665>Age 22>Savings - €35000>Checking - €7000>Portfolio - €20000 >Assets - €12000
>>59671665>Age 27>Savings 1126>Portfolio 2801>Checking 366>Assets ~ 58,600>Debt 2357
>>59673122Do you still work? What do you do all day? Actually donating to charity is based instead of blowing it all on escorts and dom perignon.
>>59672743>what is a logscale plot
>Age 31>Savings - $12k>Checking - $6k>Portfolio - $1.5MIt's over
>>59673186> Do you still work?No. I still write code here and there for fun, but nothing structured, and certainly nothing I'm told to do.I had vague ambitions of become proficient at AI engineering, but I've been dragging ass.> What do you do all day?Whatever I want. I lead a humble life honestly. I chill with my wife, my dogs, some extended family and friends. I read, I sometimes watch shows. I buy games on every steam sale I have every intention to play, but rarely do.I did fall into the burgeoning longevity grift, so after a lifetime of being a fat lazy sedentary chairfarter, I'm working out regularly, having a healthy diet, taking way too amounts of supplements, and generally getting in shape. Turns out it's a lot easier to do when you've got unlimited free time.> Actually donating to charity is basedThat ties to a longstanding discussion between my wife and I, where she just wants most/all the money to end up with family, while I'm a lot more interested in optimizing its overall societal value. This is the part where I'd talk about "effective altruism" if SBF and other creepy tech bros hadn't tainted the concept. Still, there's something there, and I'm still naively hoping someone else will do the footwork and someday show me some optimal charitable path I can look at, understand and agree with. TBD.
>>59671854Why would you leave 70k in the bank??? Having a few k for unexpected expenses makes sense, but you're literally bleeding money to inflation. You should at least two-thirds of it in low-risk investments.
>age 27>savings $0>checkings $100>portfolio $115,000 in a top ten>assets $25,000I'll be laughing at all of you college faggots, corporate lifestyle worshiping, tradfi 401k maxxing normalfags. https://youtu.be/Jd4vbWl5kUU?si=Jqbm3psHUi6RGC_R&t=22
>>59672792Can you explain more about the kraken comment? I use them, have kyc’d but didn’t notice anything out of the ordinary. Was it the pro level extra set of questions or something else upon withdrawal?
>>59671665>19M>savings $8.2k (-$400 cc balance)>checking $600>Portfolio $8.1k (7k roth, 1k borkerage)>assets $0on a gap year. going to school for cyber security next year>>59671931>>59672019>>59672566Please look into a 529 plan. tax advantaged for education and up to 35k roth rollover + other benefits.
>>59671665>Age: 31>Savings: $20,000Checking: $1400Portfolio: $30,000Assets: $24,000no debt, still wage caging my way through life. Trying to figure out how to grow my money
>Age 28>Savings- $3000>Checking- $1.01>Portfolio- $7200>Assets- $14000This doesn't include my debt, though, and most of assets is my depreciating car which I'm being generous of. I got really sick in 2023 and had to recover almost all of 2024 so I couldn't make money and lost a ton in hospitals. I guess it could be worse but I got a long way to go to make it.
>>59673128I've been where you are. I'll tell you what I wish someone had said to me:Invest. Take a portion of your paycheck, and pay GodThen after God, pay yourself in stocks or in BTC. If you're like me, you'll quickly realize how broke you are and start working to increase your income so you can increase the amount you investAfter 7 years of investing, you'll be far better off than 98% of your peers. Good luck, hope you listen
>>59673371Yeah I told them I planned to cash out up to 50M by 2030 and someone wanted to be able to withdraw that without having to do it over 10 months split over 50 transactions. Then they sat on my request unanswered for months, despite some occasional prodding on my part.This felt familiar, as I had tried to raise my limits in 2017 already and they had sat on it for months again, long past the point where I had already used another exchange to do my business.Anyway, one day they replied that I already had the fantastic "intermediate" withdrawal limits seen above.So then I repeated that those limits would be painful for me to the point of making their exchange impractical for me.So then they replied with some "proof of funds" boilerplate asking for a number of inapplicable and silly things.So then we had a fun back and forth negotiating what would be acceptable.Some kind of agreement was reached, which required me to go dig up some ancient stuff.While that happened, they would send me a "friendly reminder" every single day that I still hadn't sent the information needed, each one from a different support agent. I still can't decide if they were intentionally being obnoxious with this.> Hey Bob, it's your turn to send him the daily email daring him to prove he's not full of shit. kek.Anyway, after a few more back and forth like this, I manage to convince them that I really did have the funds and I could reasonably prove their origins, so they finally flipped my account to their "pro" limits.As a result, it would only take me 5 transactions over 5 days to cash out through them.Meanwhile, other exchanges have had unlimited withdrawals from the get-go, and their source of fund check was a simple email, with a simple response on my part and them expressing that all was well and I could continue to do whatever with them.I don't know. Maybe I'm too thin-skinned and that level of bullshit is acceptable. Who's to tell.
>>59673510Sorry, first sentence should have read> and somehow wanted to be able to withdraw that without having to do it over 10 months split over 500 transactions.
>>59673289>Still, there's something there, and I'm still naively hoping someone else will do the footwork and someday show me some optimal charitable path I can look at, understand and agree with. TBD.https://americafirstfoundation.org/about
>>59671665>age 24>savings $200>assets $9000
>>59671665>27>minimum wagie>£22k savings>£160k in LINK>£34k retirement accounts>£38k investment account
>>59673392Good thought young buck. It's been on my mind lately. I do wonder how much of a bum deal college will be in 18 years though. It's horrible right now and was bad back when I went to school too. But it might remain the surest way to raising a well socialized and mindful person. Plus I suppose if they're elite but not tuition free elite, paying for a good school to set them up for life will be beneficial.On the other hand I barely had shit in terms of help from my parents so I was forced to organize my life and balance my college expenses out (i.e. leverage debt to the govt) with a practical/worthwhile degree in electrical engineering.Either way it's a valid suggestion. Be well anon.
