>>538477772>rent>student loans>401k loan>credit cardslmfao do goyim really?
>>538477772if you've ever had sex, you're a retard. and nobody fucks more than faggots, they have absolutely zero standards and they even rape animals.
>>538477772If he really was notified of a raise last Friday then it would make a layoff even more shocking. That sucks
>>538477772>student loanisn't that based on income? So if you're unemployeed you don't have to pay.
>>538478163nah he's a retard and I was in his position once, all my coworkers were shocked too but they were all retards like him, I never expected for a second that a megacorp gives a shit about me, I wasn't surprised in the slightest when they axed my entire department
>>538477772Bethesda hasn't made anything worth a shit, well just about ever (though sadly I have to accept plebs fuckign LOVE their garbage), so that's a resume right into the trash
>>538477772Replaced with AI. Actually Indians.
>>538477772Real question - what is it with the shaking hands bullshit?
>>538477772>notified of a raise on fridayIt's possible that Beth is different as a subsidiary, but we get raises in September only at Msft, promotions in March as well
>>538477772This must mean they're almost done with Elder Scrolls 6.
>>538478537They were very literally laid off by an Indian who is actively hiring for 1000+ roles in India, very soon to expand. I'm really looking forward to them defending jeets in the next couple months, the cognitive dissonance in their lefty minds is going to be radioactive.
>>538478163>notified of a raise on a corporate holidayDoubt
>>538478163this literally happened to me. I was given a raise and then laid off when I got back from my paid vacation along with a bunch of other people. WIthin like a month of the raise. Absolute bullshit.
>>538478586they saw it in a movie and mirror the behavior as a comforting mechanism
>>538479098NOW THIS IS PODRACING
>>538479098my wife just had it happen to her a couple weeks ago. got a raise a month and a half ago and then boop goodbye to half the office staff
Wft is a 401k loan?
>>538477772>401k loan
>>538479279like a reverse mortgage
>>538479244Pretty sure its specifically so they can say they're cutting costs by higher amounts. Fucking deplorable. >>538479199the pod racing I was doing was stealing all their fucking iphones on the way out. Resold for my settlement bonus. Faggots.
401k... loan?
>>538479361you take a loan out against the total you have and they keep it as collateral until you pay it off. Literally maxing out credit cards is smarter as worst case they'll fuck your credit score and close the account. With this you will literally be withheld ALL of your retirement savings in the 401k until you pay back what you took out, up to 50% plus interest. Actual retard fucking move.
This is the kind of empty spineless NPC nothing faggot who gets hired in a creative role due to "resume" and "education" and a faggy toothless attitude, no outstanding ability tested, expected or wanted. Can't wait for AI coding to fry this fucking industry and put it in the hands of THE GREAT AUTEURS (who hate niggers)
>>538478163That's how indians do. It raises their izzat
>>538477772rip in piss bozo
>>538479445GIV 401K
>>538478285only in real countries, in the US jews will always come for you.
>>538477772>Quest designerLmao. You mean what autists do in their free time in their hobby for fun? Gluck finding another job with that
>>538478021What’s a 401K loan?
>>538477772>401k loanretard alert
>>538477772What luck! I've been searching high and low for an associate quest designer!
>>538479279They allow you to use your 401k as both collateral and a pool from which to take out a loan. So you borrow from yourself with interest and then pay yourself back with interest. Because the troon lost its job, however, it now owes it all back immediately or else it incurs a 10% penalty for early withdrawal and has to pay income tax on it.
>>538479624Now now, professional quest designer is actually a important role that actually cannot be easily replaced and are required to enable creation of high end product that respects players time and money But rewriting HR training materials into a game doesn't count as game content in my books, its the excess filler
>>538479627It's some turbo jewish shit. It's a loan that lets you take your own money from your retirement account early, but you have to pay it back with interest of course.
>>538479244I imagine this must be the catch 22 for people who work in the private sector but aren't client facing (sales) or involved in the financial background. In other words, a comfy no stress job of just plug and chug. It's a very slow crash for a company to decide to lay off staff. However, if you work in a meme pigeon hole job or are too far removed from the revenue (aka lifeblood), this shit would blind side you. Sucks to suck. I hate my job simply because I hate working and waging, but it's astounding to me that people get "laid" off without know. Bitch, you know. And if you didn't know, welp, there's the fucking problem right there-- go make the company some fucking money and this wouldn't have happened to (You)
>>538477772
>>538477772>401k loan What the fuck
The tech industry is known to be like this now surely? Ageist, eliteist and they created this hunger games shit that is happening for 20k a year jobs in offices all over the world.
>>538478021Yes. Yes they do. Like niggers taking payday loans and buying used dodge chargers at 25%APR
>>538479627You borrow currency, and you put your 401k as your collateral.If you are unable to pay back the loan, they take away your 401k.
>>538479870I heard that Gen X computer coders have royally out Boomer'ed boomers when it comes to ladder pulling for the next generation. Absolutely no ethics or morals when it comes to fostering the next generation, as they were fortunate to have from their predecessors
>>538478285You can defer them. The big indicator that this fucker is a financial retard is a 401k loan when it was probably making $250k or more.
>>538479973Apparently the new gen of coders, who are learning through degrees and college pathways are pretty terrible because of the way they are taught. And they are starting to rely on AI. Which is great for you guys.
>>538477772Really want to emphasize how stupid the 401k loan is. He said he’d been working there for 2 years, I think it’s safe to assume he just got out of college and got the job, so his 401k can’t really even be that large, probably less than $5k at least. Having student loans, credit card debt, AND taking out a loan on your meager 401k is maybe one of the wildly irresponsible things I’ve heard. How do people get through college and still do this kind of absolute retarded shit?
>>538479784Sounds like a job that AI would be great at.
Imagine being so fucking retarded that you think a globohomo gives one fuck about you, this is why video games suck so much right now, even the Nintendo games and going down hillo. Its a good thing they are getting rid of this rot.
>>538479445Judaism
>>538478163When my mother in law died I had to takenmy last point of the year (the day after christmas) before pto reset because of her funeral. I made my case, corporate denied it, still got my laughable 50$ "holiday bonus" gift card and apparently they paid time for christmas and new years should have been denied but a couple of supers pulled some strings to give me a cushion. Corporations are fucking soulless.
>>538480241.. have you ever actually used LLMs for content creation? The human writing the instructions is the important part, not the machine You can't replace actual intelligence with less than human intelligence machine
>>538477772>youre getting a raise. also, you're fired
>>538480156401k loan after only 2 years in the industry. Realistically, based on the financial habits leading to needing to dip into the 401k after only 3 years, I'm assuming he wasn't contributing anywhere near the max, so at most that loan was like 10k probably less. Total bum.
>>538478021Look more closely at his nose. If he's a "White" man working in the video games industry, he's probably Jewish.
>>538480422Big brain strategy is to use the new higher rate of pay when applying for new places. They ask what your rate of pay was, not for how long.
>>538477772>Associate quest designer>For Bethesda>Go to point A>Collect object B>Go to point C>Encounter game breaking bug D
>>538480497If they match 5 percent, put in 5, 7, put in 7. It's either free money or just what you put in as a safety net depending on whether you're fully invested. I've pulled an extra 7k out of plans having been with a company for 2 years and putting in exactly what was matched, and been on with a place for 3 months and saved up 4k to live on when they laid off newer employees suddenly. Tricking blacks and browns into thinking retirement accounts are for uppity white guys is the greatest trick the white man ever pulled.
>>538480569>Encounter game breaking bug DFallout 4, Far Harbour has a bug where if you agree to sell the kids as meat to Malcolm, take his money and then shoot him in the back of the head you get blamed for the children going missing because they didn't consider betrayal path, fucking infuriating because you'll only find it out many hours later
>>538480182If he's Jewish, he knows that he'll get another job through nepotism, so he can take on burdens that Goyim would not during uncertain times.
>>538477772>the industry I just entered (2 years)>I hope the work I did at BGS comes to mindBethesda hasn't created anything you'd want your name associated with in more than a decade.
>>538478285My Dad's been dead 2 years and they're still trying to collect on his student loans. King nigger federalized student loans and made it so you can't escape them through bankruptcy
>>538478586it's actually a real phenomenon I've encountered with normies and leftist weaklings. If something happens like any aggressive encounter they begin shaking, literally
>>538479784starfield
>>538479906I'm not going to pretend to know this guy's financial situation or spending habits but the economy is pretty grim in the US, especially if you're not a jeet or a woman.
>>538479973I'm really tired of some people pretending there's some kind of missing link generation it goes from boomers to millennials the idea that there's some sort of quote unquote "generation x" is frankly insulting Distinguished boomers from the supposed generation 'x' in one sentence. I'll wait you can't do it. It's like dark matter it's just a theoretical bullshit jewish thing
>>538477772I didn’t even know 401k loans existed. Thats like gamblers crack. Probably one of the most retarded things I’ve heard, just accept that you don’t have capital
>>538480498>401k loanI doubt he's jewish, jews are good with money
>Quest designerYeah shit like this was done by programmers in minutes, not days/weeks/months to design a single fucking quest.
>>538477772KWAB, time to get a real job big boy!
>>538477772KEK this dude is never getting hired again. A white dude in the gaming industry which is fucking dead on the corporate side now with mass downsizing still occurring everyday. In fact doubt he gets a job in all of tech. He'll probably be door dashing trying and failing to compete against the illegal spics and jeets who somehow have 20 phones/accounts to take every order. Then he'll post on plebbit complaining and desperate for a job and then an hero because even fast food now hires TPS spics for dirt money versus actual Americans
>>538480506That might backfire if they think he's overpaid and underqualified
>>538481007Writing lore is important and can't be done by interns or randos
>>538481015Corporations who can't create interesting products are not all there is, I am working on original game and setting myself right now and I don't give a fuck that companies who don't know what they do fail, I have a vision
>own land with a shed, wood burning stove, well with generator to pump water in 55 gallon barrels and solar>indie gamedevOne for the goyim, laddingtons.
>>538478163>>538478411>>538478662>>538479098>>538479244I got a raise a month before I got layed off from my last job. They basically laid me off and sent the job to india. I was training my replacements and they were absolutely retarded at programming, to the point where one of them didn't even know basic { } scoping syntax in CSS. I'd tell him exactly what to do and he'd just sit there going >yes yes yes and I'm like, no... make the change dude. >yes yes yesand this repeated for a minute until I finally gave up and told him to call me back when he had the changes made. It was obvious the jeet was relying heavily on AI because his code always had those super elementary comments about instantiating objects that no professional programmer would leave in their code. Fucking retarded shit. But it was a soulless corporation so fuckem
>>538478586I think it's an autism thing, obviously you start shaking under extreme stress but for most people it takes a car accident or learning something really horrible, getting told the company is going to shit and they can't pay you no more is really bad but unless you're on the spectrum it's the sort of bad where you go have a drink.I've worked with a bunch of those guys, they'd have panic responses at different thresholds, they coped with a guy killing himself in front of us just fine but needed a week off to recover from a manager telling them their code was kind of shit and it'd be nice if they took a shower sometimes.
>>538477772>my hands are shaking as I type thislol, tranny should neck himself
>>538481380>they coped with a guy killing himself in front of us just fineHoly shit you've seen someone commit suicide? what's the back story behind that?
>>538479302Right?!
>>538479445Yeah that's the risk. Infinite loss against a loan you're "shorting" yourself only proxy of borrowing money at a higher interest accrued against the interest gained. No win there with an unreasonable risk if in the tech field. He should have some vested options though or a buy out package. Although it's been a while since I've heard about them.
>>538477772timmy can't make games
>>538477772Feels bad because associate quest designer is a literal nothingburger no one is going to touch a newfag white male in this economy. He's cooked and needs to beg someone for a job at Costco ASAP or he'll be homeless in 1 year.
>>538481293fuck them. fuck that company. I make bank fixing jeeted code. I'm held in high regard, have no formal education, and charge companies minimum 20k with some contracts around 400k. jeets are so fucking awful at coding it isnt even funny. then they try and pretend to be "official" while using pirated licenses and weaseling their way in to places they shouldnt be. the worst part is, a jeet will not ask you "how do i fix this" they will beg you to do it FOR the jeet. never help a jeet. watch the company youre talking about go under. the jeets will all be replaced with AI soon enough and the world will heal.
>>538482336jeets can't code and scammed their way into white/east asian spaces.
>>538480933Gen X was raised by baby boomers Here a handy graph, retard
>>538480498>radical ZionistSo he's a low level christcuck slave
>>538477772>Quest designer
>>538481063It is important, and its best done by one (1) person. It's like saying "I wanna be a professional chocolate taster at the chocolate factory!". You're right, it's an important job that not many others are qualified for...and they only need one or two for a whole company
>>538479973>Absolutely no ethics or morals when it comes to fostering the next generation,Describe what that looks like.
>>538481028He worked for bethesda, anon. Might as well just claim to be looking for his first entry level position if that were his concern.
>>538482396They hired this jeet at a level above me too. It was one based in india. I told the jeet exactly what to do and watched him put a css property outside of the curly braces { } in the aether (which will break webpack anyway lol).... literally the first thing you learn in programming is scopes, not a terribly difficult concept to grasp. I couldn't believe what I was witnessing. I told the boss that he clearly lied on his resume and the boss came back saying nothing they could do. LOL
>>538479627You put money into 401k pre tax. You take a loan out. You must pay back plus interest or they take rest of 401k. It usually is lower interest than credit card but still retarded. If you have to dip into 401k early do it like richfags and do a plan where you set x money to withdraw every year for 5 years so you avoid penalties with rule 72t. But if you have to alter this in the 5 years then you have to pay the 10% penalty plus interest so make sure you have it set right. Retarded to do unless you are a richfag or FIRE strat.
>>538482605It's being mentored by the generation prior to you and allowed to work entry level, get promoted, and make a living. "Paying it forward"What modern CS chuds are doing, who had the benefit of what I just mentioned, are gutting all lower level jobs and positions to the point if you weren't already management by now, youre getting cut off. Good bye, 0-10yr apprentice. Good bye, next generation currently in college. Good bye, industry. I gots mine, and I'm only to get more valuable because I'm turning off the spigot!I'm just echoing what I've gathered from past threads and anecdotes. I'm not a CS faggot nor is my personal career replaceable-- but I do empathize about what's happening cause most real professional rely on early career mentorships/entry level phases
>>538477772Who is he even talking to?
>>538481736Probably a web dev that got tossed into a C++ project or something.
>>538479801You pay the interest to yourself.
>>538480687But at least the jobs went to women and shitskins
Bethesda quest designer is an absurdity. Even in Starfield you had errand boy shit like give someone a message. I can’t think of one meaningful quest in that entire game. Maybe one or two in Fallout and the best one in Skyrim is in a DLC and can be missed
>>538477772>be griffin>say things like >immigrants aren't stealing your jobs ai is>get replaced by a jeet or ai>look at the labor market>immigrants are filling all the roles>still votes blue in novemberit really do be like this
>>538482717Whenever I have an opening on my team, I dox every single jeet applicant. I interview them, then call their current company and ask for their current boss to ask for a reference.If they don't actually work where they say they do, which is like half of them, I report them to USCIS for H1B fraud.
>>538483800Problem with Bethesda's and Obsidian's content is that they're afraid of insulting anyone or anything for any reason no matter how justified or expected Watered down is the term
>>538477772Wtf is a 401k loan? He borrowed against his 401k? What an idiot
>>538479728You can pay on a 401k loan after you leave a company, you just have to pay it out of pocket rather than via payroll deductions. The original payment schedule applies.Obviously that's difficult if you're out of a job, but if you have a loan and go to a new job it's no biggie.
>>538478531Almost 30 years ago I really enjoyed the Fallout games. Everything after Fallout 2 sucked.
>>538478163I got a raise the day before I was laid off. Shit sucks, desu.
>>538479445Not how it works, retard. If you have $250k in your 401k and take out a $2k loan, if you refuse to pay it back they just take your $2k out of the $250k. They don't take your $250k.
>>538482830What kind of plan are you on that allows withdrawals like this? Every plan I've had has only allowed hardship withdrawals, withdrawals toward a down payment on a house, or withdrawals in the event you leave your employer for any reason.
>>538484388Yoooo I didn't even know this was a thingI have over 100K in my 401goy account. What's the interest rate on these loans? Why arent they more common
>>538484559Once you eat the reserve you got no reserves
>>538478146Pay attention, kids, this is what incel schizophrenia looks like.
>>538481380>I think it's an autism thingas someone that suffers from that shitty condition I must confirm it, for me it only triggers when I try to talk under high stress tho
>>538480770>My Dad's been dead 2 years and they're still trying to collect on his student loans. King nigger federalized student loans and made it so you can't escape them through bankruptcyStudent loans have been undischargeable since at least the bankruptcy reforms of 2005, probably before that too.>>538480156>The big indicator that this fucker is a financial retard is a 401k loanYeah, that's pretty sus, but > when it was probably making $250k or more.it's unlikely he was making anywhere near that. During grad school I rented a room from a guy who was "in the game industry" and he was making only a few thousand bucks here and there in piecework. Get a contract to design a sconce. Get a contract to design a couple of buildings. Get a contract to design a weird-looking sword. Yay. But he was "in the industry" and was even trying to become a professor at some for-profit """""college"""""""" that told stupid kids that they too could become "video game industry professionals" if only they paid $50K in tuition for three years and then sucked a lot of dick.
>>538484559On my experience you can have them pretaxed and they're simply treated as income, but don't quote an anonymous internet random on this. I've taken big withdrawals in the past and lived off them like a neet with a few years tax refunds in the bank and actually received part of the pretaxed portion in the next years refund because I had more than was necessary set aside. Even then, it was maybe 16 grand after having 2k set aside so I can't speak for you given I don't know how that affects your tax bracket.
>>538478586>>538481380Nah. Losing a job you thought was stable is one of the more traumatic things that people go through in life, especially when you're early in your career. From what he wrote, this is the first job this kid has had.It can be terrifying even later in life if you've just been wiped out by the 2009 financialization collapse and have zero dollars to your name and have just borrowed money to be able to afford to move literally 11,000 miles for work only to almost get fired because some online mob started calling your company trying to get your ass fired.
>>538477772ESO got jeeted
>>538481478kekhow embarassing
>>538478163that's a kike signalling his demand for future positions. his current plus the raise is what he's worth. or was last friday.
>>538477772>industry I just entered 2 years ago>401k loansis this bitch serious?
>>538478146>Im better than people who can actually attract a partnerNo.
>>538478163> notified of a raise before July 4 weekendHis story I doubt. On the other hand that could play into some other corporate strategy where they make an offer to his cheap jeet replacement at lower salary then get to write up the fortified "savings" in some spreadsheet column.But if he had a "401k loan" he was pulling down some bucks and sounds like he wasn't managing debt well. I guess he was better at designing "quests" than real life.
>>538478285I mean, you could always...not pay. They'll send debt collectors after you but as long as you're not a complete goy and have things on loan or lien they can't do shit.I like not bothering paying my loans for like 4 months at a time because they can't touch me. Then I'll dump it all but it's just really about sending a message. I choose to give them money, they cannot take it by force.
>>538479098You got a raise...then were approved for paid vacation along with a bunch of others?That's writing on the wall, sweet summer child.
>>538479349>Pretty sure its specifically so they can say they're cutting costs by higher amounts.Precisely this.
>>538481380losing a job is objectively several times more impactful than some guy killing himself in front of you
>>538477772If thats how he words his post about getting fired maybe the toddinator is cleaning house of faggy writers/designers
>>538478163they inc pay to make the department or person in question look more worth removing on paper. >look how much they get paid compared to their profits clearly they're redundant
>>538486555Todd's getting fired too bro, he has until the end of year to pack up his office. Emil too FYI but he has until the end of month lmao.
>>538477772>401K loan paymentshold on I thought thought a 401K was a pyramid scheme designed for you to gain money by contributing to it voluntarily, why would you need to worry about how you can pay for a 401K if you get laid off?
>>538477772>BGSYES! YES! LET THEM ALL BURN!
>>538477772>2yrs at bethesda>thinks he's some tech gemlol
>>538478146That's just what you get for making Starfield all about niggers and pajeets.
>>538484752definition of incel, young jew?without sounding mad please
>>538479687as you can see from the pic (and name too) he's a mason. people who can program as well as write stories that align with masonic values are a rare intersection. he's likely stunned at least partly because the brotherhood let him down.
>>538481380>their code was kind of shit and it'd be nice if they took a shower sometimeslmao, was it a poojeet?
>>538484286>Everything after Fallout 2 sucked.TRVKE
>>538484983>trying to become a professor at some for-profit """""college"""""""" that told stupid kids that they too could become "video game industry professionals" if only they paid $50K in tuition for three years and then sucked a lot of dick.Well, those liberal-arts-degree-holding "college" "professors" gotta live somehow!>>538486407I believe the point is that the 401(k) becomes security for the loan. In which case they CAN do shit, and lots of it, not just with the money earned/saved/invested in it but its ability to accrue value over time for the future. Just the same as if they had a lein against your house equity or first born child or whatever.I don't know though. Before this I never heard of a 401(k) loan and can't believe that anyone would go there. 401(k)s are bad enough. Financializing them further with debt is like a jenga tower of total shit.
>>538477772was he a quest designer for ESO? i cba to check but these guys are responsible for a lot of braindead uninspired slop.
>>538477772>credit card paymentsNever carry a balance. Never ever ever carry a balance. You should never carry a balance. If your parents did not teach you this, you did not have 10/10 parents.
>>538478586its a gay euphemism which means he has to resort to jerking off dicks for money>my hands are shaking (on a cock)
>>538480856They're kikes anonWe have been overrun with kikes and jeets in equal measure
>>538484286That wasn't bethesda anon, it was interplay/black isle studios.
>>538477772Who cares? Bethesda games suck ass last decade
