I’m sitting on $40k in cash. No debt. No Credit History. 22 and living at home.What do I do now?
>>61958652Buy a full bitcoin at 35k
Have sex
Get credit history should be the first thing you doDo not leave home, young women are not worth it no matter how much you think they are
>>61958662I have 0.01 BTC currently. Down $250 since I bought it.>>61958678No one wants to have sex with me. Only thing I enjoy in life is seeing the numbers on the screen going up.
>>61958689I am asexual or something I think, this has never been a problem for me. A girl tried to convince me to move out while I was still in university, and I just stopped talking with her completely.Once every 2 months though, I do see a girl I want to pipe, but the urge isn’t strong or consistent enough to make me do anything reckless.
>>61958689Didn’t even respond substantively to your advice.What’s the importance of building credit history?
>>61958711You aren't asexual then lol, you just don't see it as worth it - and you'd be completely right Women do not really wise up until late 20s reallyYoung women generally are terrified of commitment and still want everything all their other girl friends are getting
>>61958711I knew aoomers were cooked but damn
>>61958717Credit/Credit history is probably one of the most useful and important tools you need to have if you ever want to - - Rent, Mortgage, or Own- Employers check credit history- Use money that is not yours and pay it back later - Use money that is not yours so you never touch your actual wealth in investments It takes about 5 years to have a "solid history" by creditors
>>61958722Preferably, I’d just get a mid, autistic ride or die who’s a few years younger than me. I know they exist.>>61958727>aoomerIs this an asexual thing or a generation thing? I prefer being like this honestly, I don’t like the idea of being needy or wanting.
>>61958742Alright. And you just spend money on like bullshit right? Subscriptions, small bills, etc.
>>61958791YesUse a bit of credit, let the statement go through, then pay off the statement before the due date. Creditors see that you use credit and can pay off debt consistently, and your credit score goes up because you are responsible. Men are generally liked based on how useful they areWomen are generally liked based on how good they lookSad but true
>>61958652If you can tough it out and stay at home for like 3-4 more years your savings compared to your peers will be such a wide gap that you will be considered rich even if they make 2x your income. Do not fall in the trap of moving out anon these retard normies are unironically paying $1200 a month do you know how much shit you can get with that?
It's fucking over this is why the white race is dying
>>61958800> Sad but trueDon’t really see it as sad. I want to be useful.>>61958805I mean, there’s no pressure for me to do anything yet. If I met a girl, I’d consider it. But that probably won’t happen. I do need to do shit outside of work, my life is a bit boring at times. Might go to concerts and local college events.
>>61958810What do you mean friend?
>>61958833It's sad because there are men who cannot be useful for no fault of their own - and there are women who cannot look good for no fault of their own.
For building credit do you recommend using shit like Kikstart or some other credit building subscription service
>>61958860Just get a Secured Credit card from Discover or another reputable bank/service - you will pay a small deposit - and that will be your credit limit. If you use the Secured Credit card responsibly, you will be upgraded to Unsecured status, and your score will shoot up.
>>61958880I know that route. My bank has offered me credit cards too but i’m not in the country atm so I can’t even activate the card. I think shit like kikstart is my best option to keep my credit history going
>>61958898>My bank has offered me credit cards too but i’m not in the country atm so I can’t even activate the card.Damn. Yeah I don't know about anything outside of the country.
Hookers and blow
>>61958652Buy $10 of every new memecoin that gets released and wait for the inevitable 100 000x
>>61958717Banks and other lenders use credit history to gain confidence in your ability to manage money and pay back loans.If you have a good credit history then you can get credit cards with higher limits and maybe mortgages with better parameters. The former is useless unless you want to make a large purchase like a car and want to to take advantage of the superior interest rates that long-term credit cards provide (compared to normal loans).Remember to pair up every dollar that you borrow now with a future dollar of income that can go towards paying off that debt
>>6195865235k in VTSAX or FSKAX or VTI or whatever total market index you can find5k in HYSA for a rainy day
>>61958742>40 thousand dollars>WWwwwWWWWeeeEEEEEEaaaaaAAAAAAAllllLLLLLLLLTTtttTTTHHHHhhhhhhhstfu
>>61958652OP look at all these stupid ass niggers telling you to take out credit cards and shit. You didnt save 40 grand by fucking ruining your life with nigger shit like credit cards.These dumb ass niggers want you to fuck your life exactly how each of them fucked their life. credit isnt money and if you cant afford it dont buy it
make an excel chart to manage your finances and track your net worth.get a credit card and use it for your daily expenses/any bills you have. Set it up so it gets paid off automatically every month from your debit account. do this with at least 2 different banks. keep a months worth of money in your debit account and spend the rest on investments. get a job, stay at home, and put all the money you make into buying dips.
>>61958692>tranime fag yikes..
Do something memorable.
how do you have 40knever once have i been able to invest or save i’ve been at rock bottom since 18 just struggling to pay bills
