>/biz/ - business & finance >all this talk about shitcoins>no talk about personal financeyou do have 3-6 months of living expenses saved for emergencies dont you? im sure nobody here ever carries a credit card balance right? everyone is living below well their means correct???????
>>62104502i do all this and save 50k a year. glta.
>>62104502I have 30k in credit card debt and $0 in savings. I also have $60k in a memecoin. We are not the same.
>>62104502fuck off boomer
>>62104502all these complicated products/plans just so the Jewish government gets to tax us morein a perfect world it should be as simple as:>emergency fund>bad debt>investments>fun
>good job in tech>eat two meals a day at work + take food home for "free">pirate everything, no subscriptions>cook cheap and healthy at home>savings rate >65% of net income>put it all in stocksstill feel broke
>Be me, IT wagie>Wife has a "hobby job" part-time for pocket change>2 school-age kids>I pay for literally everything>2 months of runway on checking, 3 months in HYSA>Credit cards: 0 balance>Dumping 20% of my income into ETFs and blue chips every month like a disciplined botDespite "making it," I still feel like I'm larping as a middle-class guy. After the 20% cut and family expenses, I feel like I'm barely scraping by.
>>62104903tell you wife to get a job
>>62104502I convince banks to hand me huge loans to live lavishly but you do you
>>62104502My entire life is an emergency.
