Turning 30 in two days. Don’t fall for the NEET bullshit. Make something of yourself. Work as often as you can and retire early. Buy bitcoin and never sell it. Absolutely disregard any woman you don’t see yourself having a family with.

Yeah don't be like me

28. I have 455k NW all in SPY. The important things:
>live below your means
>make sure whoever you marry is on the same page as you financially
>never have more than 10% of your portfolio in individual stocks, crypto, or speculative investments
The last one is critical. Most people disagreeing with this on here are either lying or got lucky once and are one dip away from losing it all.

>>62558206
Keep yourselves in good shape far into 50s and you’ll be among the luckiest person alive. Nothing is more worth it to pursue than not wasting up yourselves for some money.

>>62558206
he spelled that out pretty well https://www.youtube.com/watch?v=3u-mP3C26mg

>>62558268
You wouldn’t believe how many guys get into the money just to end up their entire life in total chaos. Some loss their life for the money, if lucky they can get out with little impact to the life. But majority of them have too much to loss and they are losing it all, loss their job, their home, their car, their mum, their dad, their kids, their wife, their income, their business, their friends, their reputation…

Cut out porn and video games, those things kill all motivation and vidya especially gives so much false sense of achievement

>>62558206
No. I’m 35 and only have 140k NW.

>>62558206
Get it in writing and KEEP A COPY. IN A SAFE. AND IN THE CLOUD. Never leave important/confidential paper work out, even in the privacy of your own home. Some can break in, steal your documents, and if it's your landlord stealing your only copy of your lease and your banking paperwork, then locking you out.. WELP, YER FUCKED!

>>62558206
Get off 4chan

>>62558206
Don't work and scrape by every single month. You'll be happier in the long run

>>62558209
>Buy bitcoin and never sell it.
Bitcoin is dying. It's run out of steam forever

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>>62558209
Do the opposite of what glowie homoshlomo says

>>62558429
Whether you want to believe or not, your parent, your government, your friends, your school teachers, even your fiance would want you to do them a favor and save the world by going to school get job get house get car get married get two kids get invested then get retired. Nobody know why through.

>>62558434
video games are still good if you need to take your mind off of uncontrollable circumstances

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>>62558206
If you weren't part of the top 10% in 2025, you're lower class

>>62558206
36 y/o with 8 figure net worth here.
Health really is the most important thing in life so take care of yourself.
A good partner is the second most important thing. But a good relationship really is a partnership, you need to put in the effort too, including emotional work.
For your career, network is very important. Living in the place where things are happening opens up so many opportunities. I would recommend moving to a big city.
You are young, now is the time to take some risks. Join start ups, start your own business, make riskier investments (within reason, don’t yolo everything in options like a retard). You won’t make big gains if you don’t take any risks.
Hard work really does go a long way.
Good luck

>>62558206
Idk man I just followed my dads advice which was go to school, study hard, get a degree in something with job prospects, get a job and work hard.

Worked out pretty well for me desu.

>>62558206
Be offensive rather than defensive, making a lot more money is more important than micromanaging what you own or trying to save a few bucks here and there.

Don’t associate with people who have an unsuccessful mindset.

Become someone who attracts people and not someone who’s attracted to others.

Learn robotics. Don't count on the US dollar holding its value. Learn meditation from a competent teacher. Try not to concern yourself with matters over which you have no control. Discipline yourself in your diet, exercise, screen time, and consumption of poisons.

>>62558883
Eventually I would also ask of you to save the world by go to school, study hard, and get a high paying job with big benefit, invest in fund. Dude it is just no reason why i did so, i think i just want an excuse to get rid of you for keep asking how to know the wae blah blah. It is very convenient to give this advice btw, very comfy and it work really well.

>>62558206
My only advice is to realize its time to sell and don't fraternize with bagholders

>>62558591
>>62558597
Nice double post fagboy

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>>62558206
buy bitcoin

>>62558206
make like your beaver
we all be landing in the same earth, EOD.

>>62558206
Yes. DCA into Bitcoin / Gold / VOO. Make your diet animal based foods to stay healthy and save money over the long run and not get jew'd by the medical system. Then ignore everything and keep working and doing whatever else. Your job isn't even that important, but it is important to have one. Find something that you don't entirely hate and makes you useful to others, be charismatic and see if you can advance your career.
Don't even think about your investments. Just DCA. Don't even take profit, unless you need to buy something like a house.
In 2 decades you will thank me. You're welcome.

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>people itt still shilling bitcoin after it did a measly 8x last four year cycle, and that's ASSUMING you timed it perfectly and bought absolute bottom AND sold the absolute top (we all know you didn't) when basically every memory stock did a 10x in the past year.

Just face it maxi fags, bitcoin isn't going to deliver the multiples like it used to while were in an AI gold rush. You'll be lucky to break 180k next cycle. You may as well just invest in broad market indexes at the point, you'll be shooting for roughly equivalent growth with a fraction of the risk. Everyone who wanted aggressive growth already pivoted to AI years ago. Retail fled after it became apparent crypto was just a race to the bottom and no working product was ever developed. Just look at the catalog if you want proof. Back in 2017 and 2019 literally every thread was about a different coin and now all that's left is your occasional Link schizo. Crypto's a ghost town.

>>62558206
Smoke, drink, do drugs. Restart in the next life.

>>62558206
>financial advice
debt is a tool, not a toy, but it's not something to be afraid of
the only way to make more money is to make more money. cutting expenses can save your ass in the very short term but it's not sustainable (see: inflation)
don't get a credit card with a fee, points aren't worth it, no fee cash back cards are fine
if you'd struggle to afford something comfortably or would need to make cuts to pay for it, think twice as to whether you truly want or need it
don't order delivery, drive your ass to the restaurant and pick up your own food

>>62558206
Meet a young chink girl that ask for money at the stree under rare occasion, due to she is under pressure, don’t chicken out but tell her to go home with you, it is against every social programming around you. Best decision ever in life.

>>62558206
you can easily become a millionaire before 40, get a cushy job that pays decent and put everything you can in index funds, literally all it takes. Do it, those 15 years pass very fast and its better to have something to show for it rather than nothing. Also don't let her get away if she's the one, you will regret it big time.

>>62558206
If you plan on getting married, dont "focus on your career" first. You should be worrying about this now.
Good women get married between highschool and college. Trying to go for women after that will bring suffering, and requires you to have a lot of money.

Also don't get greedy and hold an asset because you think it is going to get higher.
When you see normies talking about the asset, and dozens of youtube videos and social media posts... it's probably a good time to sell

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>>62558206
It's over, honestly. There's no brighter future to look forward to. Everything that can be squeezed has been... squozed.

>>62558206
You have a small window where you can afford to take a lot of big risks to get ahead financially. Unfortunately you've already wasted 7 years of that window, and you've got about 5-8 years left at a maximum.

When you have kids and start a family, you no longer have the luxury of being able to take risks.

>>62566129
Thats funny. I do what the fuck I want. U dont make the rules for everyone. Fuck outta here.

Turning 32 in two hundred days. Learn from the NEETs for they are wise. Disregard the cult of achivement and try to live as simply as possible. Work as little as you can and minimize your efforts. Forget about crapto for the good of your mental health. Take women with a pinch of salt.

>>62558206
yeah kill yourself faggot

>>62558206
The advice 25 year olds sneed to hear it's usually "buy a reliable and cheap to maintain car". Resist the urge to buy cool cars until you have a house.

10% of people have 1m.
2.5% of people have 1m excluding a house.
The advice itt is pretty good.
All the working class and struggling people have parents who just their kids into the world. Don’t be like that, it has become a lot harder to get a high paying stable job now.
>>62566554
During the GFC, many luxury cars went to the second hand market cause people couldn’t actually afford it. Majority of luxury cars you see, at least half are from people living beyond their means. lol. American median and average salary is $110k and $65k.

Work on the homestead first. Get your place of living settled and secure, and you can pretty much tackle any other challenge. Too many people buy a car for social standing and not to get places. Dont move in with friends who cant manage their own life and have them turn your successes into survival. If your using your cash to play slot machines on the market, your not gonna make it. The robin hood shit made every failed normie think they can live off of game stop when they can barely keep up with doordash jobs.

>>62558206
Invest like a normie. Avoid all retarded advice about buying any crypto (including Bitcoin) or trying to pick individual stocks. Broad funds and keep pumping everything you can into it. Don't ever panic sell in a down market - it will always recover (or we're facing the apocalypse anyway so who cares). The only real magic trick with investing is compound interest. That's it. There are no actual get-rich-quick schemes, which is what 99% of biz chases.

Keep moving up in jobs - taking the time to make solid connections gives you a huge leg up as you get older. The biggest jumps in income start at around 40, assuming you've cultivated your friends and colleagues.

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In order to retire, you MUST own a property that you pay no rent on. This is the key variable that most retirement youtubers don't talk about enough. Get a mortgage and pay it down over 30 years as soon as possible. Find a shithole and check your ego at the door.

Find a stable check, get a career you can pivot into different industries like engineering, business, finance. The industry you start your career in will not exist in 30 years.

Women are the most expensive commodity in existence. Who you pick will make or break you.

If you're hard working, reliable, and fun to be around in the workplace you'll always have a job. Most people turn into miserable shrews.

If you can get into your 30s with some house and savings underneath you your options will open up to you. Grind it out in your 20s, if you're miserable and responsible you're doing it right. Most people have no savings. Save as much as you can and you'll be alright.

>>62558206
Buy PMs physically. Best investment I have ever made. Already 3x even with the latest dump in January.

Marry an Asian girl if you're white.
Be Christian.
Live below your means and never go into debt.
Pass on an inheritance to your kids.

>>62558206
Never sell

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>>62558206
Get born again by the Blood of Jesus Christ because we are living in the end of the age
You can serve God or mammon, not both, and the mark of the beast is a technological possibility on the horizon as is an environment that makes the fintech economic singularity of such and order of magnitude feasible
My advice would be to invest in some bible time because time, unlike money, can prepare you for the future at hand if invested wisely

Picrel is the euphrates river, it will dry; remain dry, and the worldly copers will be gaslighting each and everyone of unbelief with more stories than walt disney as to how that all takes place: say climate change or globohomo warming

Only Jesus Christ Tells you that after the river dries, 1/3 of the population will die that year alone

Study the children of israel with moses and sukkot- we are bound to repeat the lessons during the great tribulation, see ezekiel 20:33+ for similar instance of conditions living during the great trivulation

Have faith bro

DCA into bitcoin and keep DCAing forever. Never sell.

>>62563500
Its dead rn because its being regulated out of existence and the the winners and losers are being made manifest as well as the infrastructure being built in front of our eyes- with hardly any aware to its true intent

Im talking mainly with my former point of the mark of the beast in mind: take note that micromanaging 7 billion prospective souls and various other institutions, corporations, their various accounts and so on- is going to require these massive datacenters being in sync with a 24/7 365 internet of bodies interconnected matrix with biometrically secured by DNA digital identities
Again the cybernetic augmentation component of this "mark" comes into broaden the language and question of
>how does the mark of the beast, taken in the hand for forehead, facilitate all the finances of each and everyone who takes it within a mass scale economy
We see the technological precedent among various forms: take iso20022 for instance, neural link as another example- extrapolate both those and the open source shilling of globohomo with something like the internet of bodies and CBDCs etc.
The clarity act just got shilled into a sense of urgency with what happend to the coldcard scandel of recent days, seems like a trend will be forming off of this aftermath

>>62558206
You have 1 more year to find a gf, or it's over...

>>62558206
modern medicine is a satanic religion, don't believe it in or you will spend your entire fortune on unnecessary medical treatments. eat beef and drink raw mllk. read "nutrition & physical degeneration". a good diet fixes all human ailments. i haven't been to the dentist in 15 years. doctor only once in the same time. you don't need medical insurance either.

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39 here. You will learn quickly that the majority of the people you encounter are one missed pay. Check away from complete financial ruin. Don't be one of them.

There is no wise secret about money and finances, all you need to do is not to be retarded and actually use your brain for a minute when thinking about making a purchase
That includes :
>Do not go into debt before buying a house (credit card, car, etc) your first loan ever should be your house, and if you can help it, it should be the only loan you ever take.
>Really chose your life partner carefully, but chose her early if you can
>The novelty of a fine car wears out pretty quickly, so does the novelty of most things you buy, do not fall for marketing and avertisement (if you are autistic you should be imune to ads, if not, try to ignore them)
>Unless you earn a lot of money, do not buy a fancy car, drives a shitty car if you have to, optimally try to get a car that has good mileage and is safe. It should just be about going from point a to point b
>Unless you are actually very rich, do not EVER try to look rich. You shouldn't care that others think you're poor, that's slave mentality. And many people go into debt buying retarded designer clothes and fancy cars and exclude themselves from generational wealth because of it. Most actually rich people actually look average anyways, and a lot more than you think get their clothes at wallmart.
>Living frugal only goes so far, actually earning more is way way more efficient to build wealth, forget about gramps telling you that you will buy a house if you stop buying Starbucks, it can work, but it will cost you a lot (no holidays, no treats, basically a dull life), earning more will always outperform being frugal.

>>62567607
Not only that, they’re extremely barbaric, you think you are living in a futuristic town, but a washed up town is as bad as the wild west in the medieval, it is fittest survival dystopian with dead corpse all over the streets

>>62567743
I saw a pack of ragheads surround a fat white woman and drag her down into the sewers as she was kicking and screaming. She almost popped like a tube of toothpaste as her cellulite was squeezed through the manhole. You could hear the gnawing of teeth on flesh and the cracking of bone as it closed.

It was the most grotesque thing I've ever seen.