I am in my mid 30s and I own nothing. I'm not happy. I moved out after graduating from high school, saved some money, and then wasted all of that money on tuition. About 40% of freshmen fail to graduate within four years. I eventually moved back in so I could make my college savings last longer, but it still didn't work out. I used to think that investing was something you did once you had a "real" job. I will probably get my first "real" job next year after working for six years in my field. This is effectively too late for me to ever have real financial freedom. I knew about Bitcoin by late 2011. That probably my last chance to "make it" since one Bitcoin was about $2.50. Realistically, I probably could have bought by the summer of 2012, so I could have scraped together $1000 to buy about 100 Bitcoins. I could have even bought $100 worth of Bitcoins and retired before my 30th birthday. I never bought any Bitcoin, although I did buy a small amount of Ethereum to use blockchain software.
>>61564308The biggest mistake Millennial men made was assuming that we would be allowed to earn money. Under 30, everything goes to tuition, and over 30, everything goes to rent. There is nothing left for investing. This is why we need to drop the cultural norm of moving out after graduating from high school. Unless you absolutely must leave your home city because there is no college, don't bother going anywhere until you have a down payment for a place of your own. Pretend that you own your parents' house and ask your bank to invest what you don't have to spend on tuition or rent. Have a conversation with your parents about how a six figure salary for you is an unrealistic expectation. Explain to them that this means they have to let you mooch off them until you can buy property. They need to understand that if they don't let you do this then they aren't getting grandchildren from you. Jobs mean nothing so you must financially cheat into the middle class using your parents' estate. To those of you without a parental estate, I say take the blackpill. You are biomass and you will be ruthlessly exploited until the day you die.
“WAHHH WAHHHH MY LIFE SUCKS AND ITS EVERYBODY ELSES FAULT WAHHHHHHH”
>>61564308I voted for this
>>61564311>Under 30, everything goes to tuition, and over 30, everything goes to rent.if you're working a dead end job and never have any meaningful career, yes
>>61564320but unironically
how far along in school did you get and what did you study? why did you leave?>About 40% of freshmen fail to graduate within four yearsyes but the vast majority graduate within 5 years
they hated him because he told the truthif you are any of the following, or several of them inshallah:> male> white> young> christian> straight> not a leftist> touched by the divine and beautiful grace of the Lord our Godthen the current system hates you and wants you to die, but not before suffering horribly for their amusement firstthe only escape is to purchase physical gold and silver and hold the fuck on at literally all costs
>>61564311>over 30, everything goes to rent. If you're tarded>>61564342Correct
>>61564346>how far along in school did you get and what did you study? why did you leave?I made it to third year. STEM (not giving details). The math got too hard. >>About 40% of freshmen fail to graduate within four years>yes but the vast majority graduate within 5 yearsNo lol. Roughly 40% of U.S. undergraduates don't earn a degree after starting college, with many leaving after the first year. It varies depending on your country. Essayshark seems to have a reasonably good webpage with the relevant stats. I didn't come here to argue over basic facts.
>>61564412https://essayshark.com/blog/what-percent-of-college-students-drop-out/
>imagine not owning a house at 30yrs old>Imagine not having a sub 3% interest rate>Imagine not having a Six figure income Y'all niggas fucking up..t had sex one time
>>61564412>Roughly 40% of U.S. undergraduates don't earn a degree after starting collegesounds like the vast majority (60%) do earn a degree. >The math got too hardclearlyhow are graduation rates even relevant to your own personal journey? just because you're shit at math doesn't mean the deck was stacked against you. and why is half of your post just whining about not buying bitcoin anyway>Advice For Guys In Their 20swhat's your advice then? quit when things get too hard? or beat yourself up because you can't predict the future?
>>61564308>>61564311Can you tell us a bit about your employment history, education, etc? >did you graduate? if so what major?>why did it take you six years to get a 'real' job?>why does all your money go to rent? do you not have roommates?>aside from the degree, did you ever take any other risk, i.e start a business, or attempt to move up in employment status to higher paying jobs?your story reads like you did nothing yet expected everything. still, I think if you worked this long without major fuckups, in a just world you could afford a home. but you gotta read the room a little bit bud, the writing has been on the wall for decades now.
>>61564529I guess what I'm getting at is if you didn't take risk or make investment, and didn't work a good job and don't live below your means, it's unsurprising you'd wind up in your situation. I'm not in any better situation, but I've taken plenty of risk and also invested my money and time into various things (uni, business, skills, etc) and while always living below my means.
>>61564308Cool story bro. Now show compound home prices.
I don't know why i even bother reading these poorfag stories, I've already made it
>>61564529>>did you graduate? if so what major?Already answered in OP.>>why did it take you six years to get a 'real' job?Easy, just stretch a 4 year training period into six years because of COVID. >>why does all your money go to rent? do you not have roommates?If I'm not living alone I'm living with my parents. I don't do roommates anymore. I'm not a teenager. >>aside from the degree, did you ever take any other risk, i.e start a business, or attempt to move up in employment status to higher paying jobs?No. I learned my lesson. I don't take risks anymore. That's the whole point of the post. Moving out and choosing a hard major were the risks that ruined everything.
>>61564311>To those of you without a parental estate, I say take the blackpill.This is me. Literally have no family and nothing to inherit. So many people are carried by family support. I've been whiteknuckling life for some time now, I'm pretty sure I'm going to have to KYS myself and go Skyking within the next few years. It's a weird feeling knowing these next few years could be my last
>>61564308>wozers I'll be able to afford a home at 58 instead of 65
>>61565063Instead of this why don't you just live ypur best life. By best life, get a poxy job for linimum wage. Save up to travel the world or go do something fun, you're not obligated to leave a certain way. If you're going to go out, go out having fun. Fuck around, troll around, get some chicks, eat shitty food. Document. Do anything seeing as you value or think so little of your life anyway. Just loterally do what you want, if you're too poor to travel. Train hop, steal do whatever as long as it doesn't physically harm anyone or torture them you really are golden and the world is your oyster.
>>61564308>>61564311>>I knew about Bitcoin by late 2011. That probably my last chance to "make it" since one Bitcoin was about $2.50. Realistically, I probably could have bought by the summer of 2012, No. >I knew about XRP by late 2025. That probably my last chance to "make it" since one XRP was about $2.50. Realistically, I probably could have bought by the summer of 2025,
>>61564370>then the current system hates you and wants you to diewhy are non-americans always telling me this? what do they have to gain from me getting radicalized against my government?
>>61564342>meaningful careerBootlicking system goy. What, a doctor? Where you’re so indoctrinated to what real health is by the time you graduate you exist to peddle pharmaceuticals? Don’t you dare actually try to heal your patients or go against the (((established protocol))), or its grounds for losing your license
>>61566378
>>61566285>No.>>I knew about XRP by late 2025. That probably my last chance to "make it" since one XRP was about $2.50. Realistically, I probably could have bought by the summer of 2025,Cope shitcoiner.
>>61564311>Jobs mean nothing so you must financially cheat into the middle class using your parents' estate.That's not cheating, that's called "nepotism" and it's what makes the world go around. There are two worlds we live in, one for poor people who are taught from youth that they have to "make it on their own" (impossible), and then there is the world of the wealthy and powerful where they understand that family looks after family.Don't live in poor world, always use whatever family connections you have to your advantage.
>>61564308>you will be ruthlessly exploited until the day you diethe fuck I will
>>61564308>posts that image unironicallyThose numbers aren't inflation-adjusted. That chart is the biggest financial fraud of the generation.
>>61568131the final value doesn't matter
>>61564308Stocks are only up 29% in silver since the gold standard ended.
>>61564768>Already answered in OP.you didn't make it clear, just mentioned that 40% fail to graduate and that you moved back in. In 15 years, you could've definitely gone back and finished so it wasn't clear.>Easy, just stretch a 4 year training period into six years because of COVID.And you did nothing else during the two years of extra time it took? >I don't do roommates anymore. I'm not a teenager.Well, you have the finances of one.. >No. I learned my lesson. I don't take risks anymore. That's the whole point of the post. Moving out and choosing a hard major were the risks that ruined everything.All you did was drop out of college, that's not taking a bunch of risk nor is it an excuse for everything to be ruined. Honestly your story reads like you haven't really faced any real obstacles.
>>61564308Everybody talks about the power of compound interest but nobody talks about the power of compound inflation.
>>61566220>get a poxy job for linimum wage>Do all this shit that you need a load of money forlol
>>61564308I earn little over 500k usd a year, I still live with mum & dad cause COL is a joke.Still got a gf though
>>61564311Why do Americans have no multigenerational wealth? How is it the “global hegemon” has no money? Where did it go?
>>61570657a lot of people were told to engage in jewish games but were never taught the rules.don't go in debt, it will eat you away.and don't buy lottery tickers, sell them instead.
>>61570657>why do a defeated people owned by a centralized j*w bank that prints their tender into oblivion and is raped by usury have no money
>>61564412Skill issue. You could have bought crypto during all of the 2010s and made it even with a shitty salary, the only ones who have a real reason to complain are zoomers who never even had a chance.
>>61570657Americans are still doing better than everyone else.
Americans complaining about tuition debt while my "free" PhD in physics is making me 70k€ a year before taxes and less than 40k€ per year after taxes.I'd rather be 300k in debt but earn >100k.
>>61568733>And you did nothing else during the two years of extra time it took?Working dead end jobs obviously. >All you did was drop out of college, that's not taking a bunch of risk nor is it an excuse for everything to be ruined. Boomer detected.
>>61570813I had basically no income. I was a full time student or making so little that I had to move back in. COVID benefits finally got me above the poverty line.
>>61571295Oh yeah you would rather be unable to get a mortgage until your 30s because of your massive student loan.
I'm worth $300k-$500k at 30, dating in the USA has gotten so bad I went and married abroad instead. Do women in the USA not know men can just do this? I'm literally on track to being a millionaire based on my projections before 30. I can literally put a down payment on most houses anytime (gonna wait until I actually have a need to outright buy).
>>61573549Shit I mean 40, but yea I get massive seething from girls I used to know.
>>61570657It is a bit fun that the median wealth in the US is about the same as the median wealth of Spain
>compound interestngmi
