>start working at 16>save 70+% paycheck and start investing>get better jobs>life is shit but im saving for an early retirement becomes my reason to live>move to a different country for more money>save 50% now, far bigger sum than before>look disgusting, body basically disfigured from being fat, thin, muscular, fat again>ridiculously short>main hobby is job adjacent, mostly programming>women are at best indifferent to my existence>had 1 relationship, learned that im far too damaged at this point to have relationships, trust people and coexist with another human being from years of isolation>did drugs>drugs healed my crippling depression in exchange for brain power>quit drugs>now 32>can't early retire anymore because the joos are destroying the economy for people with less than 100m in assets>can still retire in the 3rd world>don't even enjoy video games or anime anymore>not even stellar at my own hobby or anythingI'm not suicidal or depressed and will like keep crawling my way through life but damn it's as miserable as it sounds when I put it in words. I don't think anything will get better and I don't even have all that much money all things considered.I'm lost and sad.
>anon thought he could get rich being a wageslave
>>85271885not rich, never rich, you dont get rich through worki dont need much to live and right now i get enough to pay for my expenses and reinvest some out of my investmentsits not enough to weather whatever the fuck it is that's happening to inflation, lower birthrates, rampant private debt, insane corporate leverage etci could be fine into the future but it would be more luck than not
>>85271963One word: lottery tickets.
>>85271875reading stories like this (even if yours is larp, ik personally guys like this anyway) reconfirms that it's better to show the middle finger to the boomer wisdom about work and investment and saving.>start working at 15>save 50% of the paycheck and start investing>get better job>realize Im virgin at 20 and bifag>downsize work>start fucking around (metaphorically)>find bf at 21 and fuck around literally>bf leaves me because he's like you (financially obsessed)>have three affairs with women>find goonette gf at 23>marry have two kids>work ~20% more than at 20 but still a lot less than at 15-19>get on hrt for the fetish>kids grow>now 34>im the youngest looking father at PTA meetings>very few savings but decent income stream between the two of us>due to inherit a house and an apartment so I'll never really be homeless>will retire in a poorer countryYeah, I'll never "retire early" and I'll never be in top .1% best programmers. But I have kids, an amazing sex life, a comfy existence and a support network that both fags and troons can't even dream about.
I'm mid 30s and have 15k saved.
>>85272017its not a larp abd rather than investing futile effort into having a life with my looks and height i did the best i couldi enjoy making things for myself so programming is a cool activity for mebeing a couple is what the economy is designed for, glad to see you managed a life for yourself>>85272058money is kind of whatever unless you have an amount of it goyin cant achieve ngl
>>85272206>being a couple is what the economy is designed forI wish that were true, anon. It was the case 50 years ago. Maybe even as late as 2007. But it simply isn't the case now.>futile effort into having a life with my looks and heightYou gotta try to change that worldview. It's a bullshit worldview that you picked up online. It doesn't reflect reality.According to online stories I don't exist lel. I'm 170cm (5'6''??) tall and i look like a tranny (because technically speaking i am). According to the internet i have aids(or some other std), i'm depressed, i'm sexually degenerate (okay, fair, this one is true), and noone would ever want me.Stop letting other people define you. The world is not one giant NYC/California (the two real-life places that define 90% of "internet culture" in English). The world is way larger and more diverse than that.Heck, if you're short, you're still likely above average in Ecuador. Not even joking.
>>85272249>I wish that were true, anon. It was the case 50 years ago. Maybe even as late as 2007. But it simply isn't the case now.You have tax incentives, bill synergy, bulk buy scaling and other advantages. On top of that 2 midwits get paid as much as a top notch goyin (not top 0.1% but still distinguished).>You gotta try to change that worldview. It's a bullshit worldview that you picked up online. It doesn't reflect reality.I did try and while the blackpill isnt the utmost truth with no debate, it's quite real. I think where it breaks is on the fact that you could, in theory, spend 16h a day hunting for women. Eventually you would get something and I admit that. Far from a life I would like to lead, being rejected for 16h a day and jestermaxxing but hey, possible still.>According to online stories I don't exist lel. I'm 170cm (5'6''??) tall and i look like a tranny (because technically speaking i am).You could be less disengenious and admit your unique situation and luck and humble yourself instead of conceiving it as a win brought by your own efforts. At least not entirely for sure, things are often nuanced.>Stop letting other people define you. The world is not one giant NYC/California (the two real-life places that define 90% of "internet culture" in English). The world is way larger and more diverse than that.>Heck, if you're short, you're still likely above average in Ecuador. Not even joking.That's a very empty statement. World is vast, geomaxxing is extremely inconvenient and even if I did and assuming my mental deviation allows me and other people to mingle, I would still have to learn a new language or accept dating someone that cant express themselves properly which idk how i would feel about it.Anyhow this conversation goes to the usual loop of humiliation ritual, effort cost is insanely high, my side of the coin is damaged in a way you probably aren't used to and so on.
>>85272441>You have tax incentivesOnly in like 17 EU countries. I live in one of the EU countries that doesn't.>bill synergyUseful when you don't have children, yeah.>bulk buy scalingYes, but with the trade-off of having to have a car (which is excessively expensive in Europe) so you can drive to the big shopping centres/supermarkets. Not much saving overall.>and other advantagesYou severely overestimate the advantages.>On top of that 2 midwits get paid as much as a top notch goyinThat was true, yes. Hasn't been true since 2022 or so. And won't be true again anytime soon.>conceiving it as a win brought by your own effortsOf course luck mattered. But effort mattered quite a bit. When I dropped "hard work" at 20 I did in fact put all the effort in jestermaxxing.>your unique situationThe only thing kinda unique (more like rare) is that im a turbofetishist degen. But other than that, guys with my looks and height largely do/did the same and most succeeded.>I would still have to learn a new languageYou should learn a new language for the sake of it. You Americans are losing out on everything by sheer fact that you're monolingual.But hey, what do i know.You're willing to grind for nothing (FIRE is nothing) but not willing to grind for things that would in fact bring you joy and a better life. What a weird mentality.When you'll be 60, nobody will care that your line went up (assuming it does).
>>85271875I wish I had started investing that early.How much do you have saved/invested?
>>85271875I feel you OP. every day feels like falling deeper in the abyss of misery, just waiting to hit the bottom so I can finally feel something and start climbing up again. Survive and hope better days are coming somehow
>>85272581>childrenThat one is a lost battle. >You severely overestimate the advantages.I know for sure if I was living with someone else and getting paid the same I would be have more money outside of essential expenses.>That was true, yes. Hasn't been true since 2022 or so. And won't be true again anytime soon.Maybe not midwits, but an above average couple can. I know of a few cases comparing to my salary.>But other than that, guys with my looks and height largely do/did the same and most succeeded.Well, good for them their arrangements worked out in some way or another. My stats are worse so idk what your point is.>you AmericansI speak 2 languages and I'm not American. It takes a good few years in a country to be able to express yourself adequately with nuances and richness. >You're willing to grind for nothing (FIRE is nothing)I did say before I'm getting paid out of my investments more than my expenses. I just dont trust this to be true for 30 to 40 years. So it wasn't for nothing, I achieved what I set out to do, I just didn't account for how shaky the economy can and will get due to lack of knowledge. I'm still far better off having done that.>but not willing to grind for things that would in fact bring you joy and a better life.No, I'm sorry, flipping a coin isn't grinding. Grinding implies something improves on repetition. Dating isn't grinding, it's a casino. Nothing improves while you do it and everyone is glad once they get off the rollercoaster. So excuse me for not wanting to participate given my history and stats.>When you'll be 60, nobody will care that your line went up (assuming it does).You do know you can be married at 34, single at 60 and have not a single person give a rat's ass about your decaying carcass right? Happens a lot btw.>>85272610A mil give it or take, between different assets.
>>85272709I dont have this deep seated depression anymore. I can enjoy a good meal, have fun coding, enjoy a good gym session, enjoy new things i find in my day to day life. Im positive something i took, either shrooms or dxm rewired my brain and now im not constantly suicidal anymore.I get under the rain sometimes like today, life is brutal in a colossally abismal way. Pavement is as harsh and solid as always, but you can still look forward to get home and do an activity you enjoy. Far from to tell you to enjoy things randomly, I'm bust sharing what happened to me. One day the edge just went away after a couple years in and out of different drugs. I stopped to pay attention, cut clean, got back on my feet and suddenly it wasnt there anymore.Better days won't come if you dont make them better, that has a lot of depth and ramifications from altering your brain chemicals, to self improvement, to being saved by an external entity, by finding God (or whatever the hell they mean with that desu) and so on.I hope something does it for you my friend.
>>85272771>a mil give i t or takeThen this does not compute>can still retire in the 3rd worldI live in Spain and I would retire immediately if I had a mil.
>>85272825lets imagine you have 1mil, for the sake of exercise lets imagine you have to either rent or buy a house for settlingthat one is a no brainer, so you get a house for 150k in an ok place in spainyou save 20 to 30k for renovations and lets say you have 820k leftAssuming the harmonized european inflation rate of 3.5 (idk how much it is in spain) and assuming a modest 5% yoy return, which is doable, somewhat safe but definitely not risk free, 3.5% goes just to cover inflation, 1.5% remaining you pay 19 to 21% taxes i dont know taxes in spain too much this is what i got from gemini, you are left with 830 eur monthly, it's good money specially in spain, but will it weather the storm of time? if inflation is above 3.5 it will slowly chip away, if not will be valued morewhat im scared of in this setup is the joos breaking the stock market for a massive slide or massive inflation rikes, possibly me getting sick and needing to put money away indefinitely for health expenses, house issues and so and so forthIt's dire my friend, it's dire, god forbid i need a car
>>85271875>start working at 16>life becomes working>forgets what fun isThat's where you fucked up. By the time you're done working for early retirement, your brain is so warped by your routine that work has replaced "you". There's no "you" left to retire. Just an empty husk waiting to complete his next task.I say it all the time, you should have NEETed and done exactly what you wanted from day one. Not what you think you should do. Not what someone recommends you to do. Exactly what you want to do in the moment. That's the only real way to preserve your humanity and live in the present.
>>85271875>I was a loser my whole life and am just now realizing itThis brings me joy
>>85273516I was programming since i was 14 so not really... i used to play games and anime but kinda grew out of iti enjoy lifting>>85273527bro i was 12 when i realized that, i just came to terms with iti wish i had your level of literacy to enjoy things i make up about other people
>>85273440>you are left with 830 eur monthly, it's good money specially in spain, but will it weather the storm of time?I'd say yes. That's more than enough for me to live and you are forgetting compound interest wich would make that sum bigger every year.Health care is free here and house issues are nothing even consider. I've lived with my parents for 30 years and this house has had exactly one repair related to plumbing.As for the car, that entirely depends what kind of car you want. I have no interest in them besides going from point A to point B, so a reliable shitbox for 3-5k is more than enough.I'm 100% sure I can retire on a mil without problems.
>>85273738I dont know how good is healthcare in spain but usually the problem with free healthcare are queues and later medication has some subsidies but you are still footing some of the bill and it can get expensive as it goesi lived in two other countries in Europe and I can say I would be scared of depending on timely preemptive appointments for specialities or medication subsidies, but Europe's citizens benefits wildly vary from country to countryI'm sure i would be fine for at least 20 years, i dony guarantee anything past 50s, reserving my statement to be withdrawn in case of jewish catastrophes with global economy
>>85273998>usually the problem with free healthcare are queuesNTA, but thats a view based on free clinics in the US, unless you need specialist care there really are no wait times more than a few days, emergency care is usually just a few mins to maybe an hour or 2
>>85274051nonsense>In Spain's public healthcare system (SNS), the average wait time for non-urgent elective surgery is approximately 126 to 128 days, while an initial consultation with a medical specialist averages 101 to 140 days (exceeding three months). General practitioner (GP) appointments average about 9 to 10 days.Europe's "free" healthcare is supreme shit.
>>85274090The last thing europoors and liberals like hearing is statistics, you shouldn't really bring it up if you want them to stick around this board (so it doesn't die).
>>85274090I live in Spain and I can confirm.But if you are inmigrant you don't wait that long and on top of that I pay for it + tip.
>>85274051Nah man they gave me 9 months for a couple different specialities in Europe, not saying the country but was a capital of a big city, im not taking this bsyes for emergency and other stuff it's usually goodim not shitting in the healthcare, im happy its there but its not all roses
>>85274090must be cause spain is second world and poor, here in germany its far less, also surgeries would be specialist care bro, if i have a problem that requires surgery this weekend, it will get done, for free or very cheap
>>85274168again, specialist care can take a while yeah, and its still better than forking over a year+ of your wages lol
>>85274195im a free healthcare enjoyer and i pay taxes happy in europe, i dont like the american way, but i dont know if i would trust it all that much over 30 years plus of being unemployed and living off my investments money for a dire situation or extended treatment situationfor emergencies sure
>>85274185germany is also a poor country lol>if i have a problem that requires surgery this weekendNo it wont.Yeah, germany has shorter wait time, but not that short.
>>85274228listen, if my appendix bursts right now, ill be in surgery in 2 hours no problem, that does mean people with less urgent shit might have to wait a lil longer, thats just how it is
