is retiring 3-4 years earlier if you just invest the rent
No money to invest right now.Took a loan to invest, barely broke even.Paying it still... Although I am hopeful for my stocks and crypto, right now my money goes into paying less long term investments and more into long term entertainment.I just moved out of the main house, so I had to buy a new TV, some other things and etc... So money is short. I buy monster, pay debts and etc... I am also rotating all my assets into my father's name so I don't look like I have any money.It's important... I am on welfare. For the rest of my life. So I would like to keep it unril I have a small fortune or one of my businesses takes off.Right now tho? 0 clients + breaking even.Bad decisions... First year on stock markets.Got 2 2x in 3-4 months. Became freed and cocky. Gains lost... Broke even.Don't worry, the loan is cheap. It is like... It's a type of loan for people on welfare. It has very little interest rates.But I won't do that again... If I had withheld I would not be even right now. I would be green.
>>62675564Oh yeahI am effectively retired.This kind of welfare... It's a retirement of sorts for people who get ill.
I know a guy who lived with his overprotective parents for over a decade and did nothing but play video games and smoke weed. He's broke with a crackhead girl and looks like shit. Some people need a reason to make it.
>>62675653well u gotta actually work for it to work
>miss out on sex in your 20s so your wrinkly 60 year old self can retire a bit earlier
>>62675653sounds like he's more successful than half of this board if he doesn't have to wage to survive
>>62675883is trying to get laid worth $200k a year inflation adjusted when you're like 59
>>62675913Unironically yes.Missing out on your peak opportunity to have sex with prime fertile women is priceless.
>>62675917Just save some of the money you'd pay in rent to fuck whores, plus a women who will reject you for saving money isn't worth it anyways.
I'm retiring by age 45 assuming a pessimistic scenario where the Shit & Piss 500 only does a 7%/yr on average. I don't know what all of you FUDbots are talking about with being almost 60.
>>62675883Skill issue
>>62675917monkeybrain cumslave
>>62675917That doesn't ever really go away as much as twitter would try to convince you.
>>62675509Every year you live with your parents stunts your growth and you will never retire
>>62676019Don you seriously believe we're not due a market crash or do you think the stock market is only 15 years old
>>62675913What the fuck? Yes it is. Youth is priceless and you only have one life to experience things. The fuck are you going to do with 200k when you’re 60?
>>62675883how much is your rent payment? that’s your monthly subscription fee to sex. hope you are getting your moneys worth.
>>62675509my parents are dead, and they were broke ass niggas anyway
>>62675883Just go to her place. If you play it right you could move in and if you get dumped you just move back in with your parents. A guy I went to school with married an heiress this way.
>>62675509>if>just delya your life (have no life)>just have a job>just live in (relevnbat lkocation)many ifsif you hit these many ifs already your parents are proabbly median IQ and you already have a million dollar net worht inheretence comingwinners winlosers lose
>>62675509It's too late for me, I barely got my first job at 19 and moved out on my own, I think I should have held out a little longer before doing anything elseI didn't even have time to take advantage of the meme boom or when Elon mentioned the dog, this time I barely managed to vote for pot.fun pots and get a little btc. I regret not being a NEET living in my parents’ basement
>>62675913>>62675917>>62675653Ridiculous trichotomy.
>>62676019If you’re lucky it’ll to be back where it is now by 2036. You won’t be seeing 7%/year on average by 45 unless you are underage b&
No larp I became a millionaire at 30 but still live with my parents and now resort to paying prostitutes because I missed out on every life milestone of adult actualization. No dating, no partying, no gf.I jerked off to porn where the guy lives in some shit tier apartment and the girl is 19 and sucking his dick anyways because she doesn't even care. I will never experience that no matter how much money I have. I will always have to cope by paying.
>>62677564i'm talking like ages 23-25 if your job is by your parents house it's basically retarded to spend your first big boy paychecks on your own place just for pussy. I did and I regret it now I'd legit have like 100k more right now if I just invested it
Every year you live with your parents over 25 you lose 3-4 years of sanity.I am mentally cooked and unrecoverable.>t. always lived with parents and 38 years old now
>>62678367Why would you move out with your own money before 30 even if you just have to move out?Is this a middle class and lower class thing?
The most desperate to move out are usually pussy starved betas who think moving out will get them pussy.
>>62675917You have a better chance banging those prime fertile women if you invest your money and get rich
>>62678308>I will never experience that no matter how much money I haveNot with that mindset you won’t.Also, it’s a fictional scenario in literal porn, retard. As if she wasn’t getting paid. Also, stop watching porn. It’s the reason your brain is fried. Look up your brain on porn.
>>62678308>I can't get a 19 year old to suck my dick because I'm heckin 30 and Tiktok tells me that's wrong!Kill yourself.
Smart move
>>62675509My dad kicked me out of his house when I was 18
>>62678440It was an amateur sextape. The point I'm making is when you're in your 20s you can live in an apartment with roommates, make no money or be unemployed, your room be messy with clothes strewn all over and a 19 year old girl will overlook all that and suck your dick because she's stupid, young, has low self esteem, is easy to take advantage of, and exploring adult independence for the first time. You are her cool older college/fresh grad boyfriend who has his own place, just being away from her parents is exciting, and she will have sex with you because you drive her places and let her sleep over.I'm in my 30s, I can ONLY fuck a 19 year old by paying. I can never recreate that carefree youth romance and sex where a girl expects nothing from you and just wants to have fun and hang out.
>>62675509I'm living with my parents while working full time. I don't enjoy it, but it's so good for saving money. Families working together is one of the last ways people can still /make it/ in the current economy. The only reason to move out is for getting girls, but to be honest I don't think I can get girls no matter what I do.
>>62678944as a eurocuck i can’t relate. the state pays students their own apartments so nothing like that going on
>>62675883>still have to wagie in your 60s when you're physically exhausted all the timeNo, thanks. I don't think anon understands just how much effort it takes for elderly people to do things.
>>62678944I think some fag on /pol/ was proving the "Homeless Chad" theory. You act like there aren't 19 year olds that will suck your dick for some incomprehensible reason.
>>62675917i just want a wife to make babies withall the girls who want that do it before 23 though
>>62675934>>62676021>>62676057>>62676138>>62677186>>62677266>>62678272>>62678438>>62679248You guys are retards.I left home at 18, lived abroad, went through periods of being broke, slept with many women in my 20s, and still became a millionaire in my 30s.What difference would 200k when I'm 60 make? Why would I trade my life experiences for that?
>>62675564You are a leech on society and 99% chance you aren't white
desu the thought of participating in society just makes me want to neck myself and all I've ever wanted is a way to escape
>>62679308>Why would I trade my life experiences for that?I don't know who you are and I'm not asking you to do anything. There's no need to link half the thread and insist upon yourself.
>>62675509What's the math behind that?
>>62679359You replied to my post retard.Don't ever reply to me or my stepson again.
>>62679388So wait, you're annoyed that anon on the Finance board are biased towards planning ahead? Or is this just some flimsy pretext to humble brag about your life? In which case that's fine and I'm happy for you etc, but it doesn't exactly make for an interesting debate.
>>62675509don't be absurd anon almost none of us are going to retire and you should plan for that now
>>62675509my mother charges me rent
>>62679308We have a mix of demoralized autistic faggots and sharteens trying hard to establish the "Depreciating male" claim feminist invented to support their "Everyone dates people their age" delusion.
>>62679308/dumbass
>>62675509I live with my parents but I don't get the financial benefits because I'm the actual homeowner and they don't have a place to live. Wow, $600 in tax benefits or whatever.
>>62675509No one is retiring anon. Spend even five minutes reading about the AI situation.
im 39 and still live with my parents but im nowhere near retirement because i dont work and never workedi think u guys forget one important factoidsomeone who is a normie with a job, is not going to want to live with their parents, thats for weird freaks like me who dont work In theory or on paper, whatever you want to call it, if you actually get a job and earn an income, despite knowing you could save and invest by living with your parents, you will want to have your own place, because you work fulltime, and you want to live the life of a normal functioning member of society, which means moving out of your parents house in combination with working a job
>>62680178Were similar in age and I’ve been working awhile and still live with parents cuz why the fuck would I give 60% of my income to rent? It’s over anwyay
>>62680178>someone who is a normie with a job, is not going to want to live with their parents, thats for weird freaks like me who dont workare you fucking kidding me? I especially wanted my parents to move in with me and my wife to help with the kids but being the boomers that they are they refused.at least my in-laws come from china every year for 6 months to help.
>>62675883I am unironically angry at kikes for pushing this "you need to move out to be fuckable" meme, it cost me shittons of money.
>>62675509that's assuming you dont sell the bottom during a crash, or consume the money when you are unemployed, or lose it gambling because you dont understand risk management, or lose it in a divorce. But instead you have to discipline to buy and hold for (40 years - 3N*basement_years).
