Thread 60821754

>be me
>oldfag
>ADHD
>virtually broke
>9k cc debt
>2k medical debt
>28k college debt
>herniated lumbar disc
>50k income

Possible to turn my life around and the financial shit hole around? I'm starting to think my situation is fucked now. It's either my earning potential or coping with my health outcome. I don't know how to think anymore let alone process all this stuff. I've become consumed.

>>60821754 (OP)
You deserve everything bad that's happened to you. If you were smarter you wouldn't have had these problems. If you were a better person, someone would have helped you. You're neither, so you deserve to suffer.

>>60822096
life is pain

>>60822122
Only for hated freaks like you, good and normal people enjoy life.

>>60821754 (OP)
Hey don't despair. Focus on creating more income to overcome your debts. Is there a way to get better credentials in your field that would allow you to earn more money? Like professional certifications or something? Or, consider upskilling. If you don't have a skill whatsoever, consider pursuing one.

What are your goals financially? It helps to envision where you'd like to be in order to help motivate yourself. Consider a second job even. Don't give up and ask the universe/God for help

How old are you? That doesn't seem bad at all.

You're whining about $11k in debt and some college debt you pay $50 a month on?

>>60822096
>>60822130
You deserved not being kissed by your Dad after he fucked your ass and made you suck the shit off his tip like a good piggy.

I know it upset you, but you had it coming, bozo!

>>60821754 (OP)
>oldfag
You had a chance staring you right in the face here on 4chan, in the form of Bitcoin threads. But apparently you knew better than every other anon, so here you are. Sorry man, I don't know what else you can do

>>60822163
This isn't reality.
This is reality: you are POOR, you are a LOSER, society REJECTS YOU and it's all YOUR FAULT. Otherwise you wouldn't be here.

>>60821754 (OP)
I paid off 20k of school debt in 2 years with a 30k salary. Just be super frugal and pay off your debt in 6 years. Get food stamps and buy big bags of dry beans to make burritos. Cancel all subscriptions. Never go to restaurants/bars. Stay single. Cancel cable internet and just use your phone hotspot/tether.

>>60822161
early 90s bro

cc debt rate is insane and the college monthly is 290

Being a 4chan oldfag and never having bought Bitcoin is like being a boomer and never having bought a house. What a disaster

>>60821754 (OP)
As a youngfag, something I’ll never understand is how people engulf themselves in debt. Literally just don’t get the thing or service if you cannot afford it. Simple. Kek.

Dump everything you have in a promising altcoin and make it your deadman’s switch. Glhf and ggs.

>>60822146
yeah i've been working tech for like 5 years and it's becoming so shit now with the H1Bs and AI plus the economy is ass too

also once you get older you start to realize who you are and what you can't really do anymore. plus low iq doesn't help either when trying to increase income let alone make good future decisions

I'm just trying to maintain something stable and i guess try to chip away at the debt even though I probably can't beat cc interest rate with my income

>>60822191
>currently in a relationship
>shes really nice

>>60822194
Are they public or private? I make $80k annually and pay $200 monthly on loans. You're being ripped off. Call up your provider an get the lowest monthly amount possible.

Slash spending, everything that isn't bills, food or shelter is going to the credit card debt, then medical. You'll be in the bunker for five months and then you'll be fine. You're worried about nothing.

>>60822248
private loan at 5.5%

yeah honestly might go back home and live with the rents for a year or two cuz no rent

>>60822217
What part of tech? I work in tech and there are innumerable ways to upskill. Get into networking and pursue cisco certs, can easily lead to six figure incomes and it isn't terribly difficult if you can study and have some discipline.

You don't seem low IQ to me - you have self-awareness and a desire to better your life. Make a hard decision and commit yourself to getting more skills/credentials that can lead to more income. Once you have better income you can pay down debt. Look into credit utilization so that you can obtain a relatively good utilization rate that may allow credit companies to offer you balance transfers at 0%APR for extended periods.

Stop with the self-deprecation and treat yourself with respect. YGMI if you don't give up

>>60822130
I wonder if the irony of this post will ever dawn on you

>>60822264
I've been working in IT doing infrastructure and operations basically help desk shit. My area is pretty shit for tech unless you're a dev and remote work is very competitive now.

yeah maybe IT is all about devops or devsecops or similar shit today. my brain is so scattered it's hard to focus and work on delayed gratification. it's something i've always struggled with and i guess that's just life. i do plan to do a 0% balance xfer soon.

>>60821754 (OP)
just go follow some people on x like unipcs or some shit, people with decent calls.
>50k income
how.

>>60822262
>yeah honestly might go back home and live with the rents for a year or two cuz no rent

You could pay off that debt in 12 months if this is an option. Do it now retard

>>60822189
This isn't reality.
This is reality: your Daddy filled your butthole with cummies he didn't even let you eat! You're upset about the fact that you liked it so you shit up /biz/ with crap nobody wants to read.

>>60821754 (OP)
Anon, we are the creators of our own future. You need to find a way to make more money and begin planning your future.

For the lumbar disc, check out McGill Big 3. Eat a good diet and get plenty of sleep. Take a vitamin and a vitamin D tablet each day.

That debt amount isn't really that bad, I know people with $100k in credit cards bro. You'll be okay, just take a breather and plan.

>>60822531
I know man it's TOUGH

Disc issue is fucking shitty... daily pain in legs and been going on for two years now. It's somewhat better than before but still is hurts. I'll probably end up getting surgery like my neuro told me -- it'll have to happen one day.

>>60821754 (OP)
Health is more important than wealth
Do what you can to fix your back and then worry about the money, or at least pay down the CC debt fast
Can't you claim disability?

>>60823192
>>60821754 (OP)

How did you guys fuck your backs up?

>>60823238
just randomly happened one afternoon

bent over to pick something up and BAM I heard something pop in lower back

>>60823401
I'm fucking terrified of that happening to me
Hope you get better

>>60823229
Yes health is wealth

Can't claim disability nor was it a workplace accident

>>60823415
Thanks

Don't neglect your core and legs

>>60822531
>>60823192
>>60823401
>>60823415
>solves all of your problems

t. multiple "herniations" and bunch of other shit, kek don't care

>>60822173
>>60822208
I remember seeing Bitcoin threads in 2011 but nobody ever explained it very well at all.

>>60821754 (OP)
You deserve better. It's not your fault. It's not over. You can still make it. I believe in you. You're the right color in the right country at the right time in history. You can do it.

>>60822194
look for options to refinance that credit card at a credit union (my local one is 10% vs the 20% big banks will give you) or a 0% APR into offer

>>60821754 (OP)
>dextools open all day
>refresh every 5 minutes
>green, green, green
>feel like a stockbroker but with anime pfp
>memecoin just won’t die

>>60823192
Don't get the fucking surgery, you'll regret it. Look into Foundation training and go to a sports physical therapist.

>>60823238
I took too much of this, now I am FUCKED UP

>>60824108
nothing will resolve the nerve being impinged other than surgery plus it's a microdiscectomy which is the gold standard in back surgery 80-90% success rate

sure it has small chance of shrinking but odds are against it

>>60821754 (OP)
Pay your debts, you are fueling this shit economy...Jesus

Bend over and find your boot straps. Now pull yourself up by it. You need to work harder. Have you tried showing up to work first and leaving last?

>>60821754 (OP)
government is printing your debt away as we speak

>>60824433
This is not necessarily true . Microdiscectomy is only efficacious if the disc is acute to aubacute . Microdiscectomies dont work on chronic discs , and lots of people find relief and resolution of symptoms without surgery. This is the reason why back pain mri is reccomended after conservative therapy for most back pain.