No home equity or mortgage. Is it over for me?
you are doing better that most of your peers
>Oh no I'm far better off than 99% of other humans, woe is me!
>>62161690Youre doing ok if youre living with your parents otherwise get the fuck into a home
>>62161690You're in a very similar position as me when I was 30. Then COVID started, my assets finally mooned, and I was a millionaire with a mortgage at age 31. Your circumstances can change at any time.
If I’m lucky, I’ll be there at 33. I’m about to be 31 and I have $47k in my 401(k), Roth and HSA. The grind to $100k has been shitty.
>>62161690That's fine. Shut up.
>>62161690>humble braggingKys retard.
33 years>115k stocks>65k cash>100k Roth IRA>195k 401k
>>62161690this >>62161709>>62161718a home is a liability in many waysur fine dude, just try to keep making money
>>62162277His name? Warren Buffetstein.
>>62161969That is not a humble brag lmao
>>62161690If you weren't part of the top 10% in 2025, you're lower class
>>62161690you are ngmi. sorry bro>>62161709stop lying to him
>>62163070they need to change the meaning of millionaire. between inflated real estate and retirement savings, it is too easy to become a net worth millionaire.
>>62161690youre good bro!
>>62163155It should be like the accredited investor qualifications where you need $1 million excluding your primary residence
I "own" a house with a mortgage and I still don't even have home equity lmao
>>62161690>32yo>$140k salary>$100k in brokerage account, mainly in fixed income products for capital preservation, earning ~8% annually, contributing ~$4k/mo>$35k roth IRA>$60k Traditional IRA>$8k in company 401k (just started last year)>$21k in HSA>still renting, living in the same apt for 7 years now (embarrassed)Can't decide if I should keep saving, move to a new apt possibly in a new city, or just crash out and take a NEET sabbatical for a year again and travel.
>>62163070That’s net worth faghot take out the houses and it’s even lower.
>>62163693Did you go 0 down, or did you take out a HELOC and yolo it on shit coins?
>>62163070Trvth Nvke
>>62161690>20>10k cash>5k crypto>5k ETFs>2k collectibles expected to 10xi think 13 years from now ill be far past you
>>62161690how did you fuck up so badly that you dont even own 1 BTC. It was dirt cheap when you were 20, 2013 = BTC @ 100 USD
>>62161690Not in the mood to troll, no it's not over
Uh lets see>7k cash>79k stocks>60k illiquid capital (my CD doesnt even beat inflation, im so stupid)>roughly 100k in total retirement in 401k and ira's>29>no houseIt wouldve helped if this wasnt the first year Ive taken stocks seriously.
You'd be wise to put some of that in an appreciating asset like housing, real estate, etc. even buying land would be good.
>>62161969/thread
>>62161690Renter class. Thats the norm.
>>62163070Thanks for the reminder. I forgot your little gay social media pic and same words you post in about 75% of all /biz/ threads. Jannies and mods are clearly fags because you never seem to get banned. I'm looking forward to your same gay post in the next thread I open> t. Homeowner with paid off house and more BTC then 99.9% of this board
>>62161709FPBPI'm in the same position and I'm a millenial. I feel like I'm not getting ahead, but I look around me and I see that most people in my generation are burdened by a lot of debt (mortgages, student loans, etc.), on a razors edge of being thrown out into the streets, or just flat broke.
>>62161690thats it? wtf you been doing the past 15 years?
>>62161690why you hold cash? kys
>>62161690I just paid 40k in repairs to my house bro don't worry about it just keep rentin'
>>62161690>33>no debt>no home>$60k cash>12 oz gold>100 oz silver>$5k crypto$10k ira/hsa
>>62162332those are normal numbers for healthcare and government wagies
>>62168382Applications
>>62161718>i'm wealthier than a starving somalian!!what is this boomer cope?
>>62161718third worlders arent human.still, OP is doing fine.
>>62161690Better off than me and I own an acre of land with a "modular home" on it. At least the trailer is brand new and 4/3 not some shack
