Thread 82494162

Please be honest, how much money do you have saved? I'm a 24yo turd worlder and only have $5000

>>82494162 (OP)
I owe 340k in credit card debt and have no savings

>>82494162 (OP)
0. (21yo).
Why save when buying a (decent) home costs 1.5 million?

Just spent 600 on a graphics card. Got a comfy gaming experience now

The most I saved was like 2.4k. Then I wised up and realized the long-term gains of having money saved wouldn't amount to much.

>>82494245
How did you manage that anon?

>>82494162 (OP)
>24
>170k

i don't know why i'm saving

>>82494295
>How did you manage that anon?
i read a guide that said you can make money turning cards for the bonuses they give. it got... out of hand because i was following all the rules.

of course she will, look at this

>>82494245
Based debtmaxxer

I'm saving for a down payment on an house but prices keep going up faster than I can save

>>82494162 (OP)
30yr old 2nd worlder. Have been working since 2023. Just got past 15000 Euro ($18k). Most of it is in safe investments generating 5-10% a year. My parents have a combined 200k Euro which I will inherit + one apartment or two. My goal is retirement when my parents die. It's achievable as long as I never buy a house and never have kids (don't want them anyway).

Lost my job. Both jobs I've had only paid me $10/hr I'm a goon for accepting such low pay. I was an enabler. I only have like $500 left, spending money every day. At least I bought a gaming PC and games before becoming a NEET again. I could feel 1000s hours of fun without spending another penny but I really want a girlfriend and want to die because there's no chance I'll ever find one and the AMP is over $200.

>this thread
I seriously hope you guys have been putting your savings somewhere where it doesn't lose value with inflation.

>>82494162 (OP)
>Savings: ~$4.3K
>Checking: ~$1.2K
It still blows my mind that there are people out here functioning with only about $500 or so TOTAL in their accounts.

>>82494162 (OP)
600 cash, 14k investments. No other assets. 35, NEET.

>>82494162 (OP)
I have like 5 usd laying on my table
No debts no bills on my soul tho
28yo

>>82494162 (OP)
I had 10k but I blew it all on options trading so now I have 2k

35m, 282k, paid off house (318k), no debt. monopoly money from leaf land obviously.

>>82494731
>invest
>+20% all time
Did you just start investing this year?

>>82494754
just started last year. was focused on paying off mortgage for peace

>>82494629
None of us said we are functioning. I live with my dad. He pays the bills. I wander the streets aimlessly no girl will ever love me.

>>82494162 (OP)
i think like 3k or 4k canadian
im a neet on bux
i dont really buy things. i just exist and suffer

>>82494162 (OP)
Like 20.000 dkk. I have no job though.

>>82494782
By 'functioning,' of course I meant not living with parents; I'd rather cut off both nuts with no anesthetic than move back in with MY parents.

>>82494819
What is their secret? I can't move out and it sucks.

EUR 180k in investments, 250k house, and newly closed mortgage on another house (the one I currently live in). Age is 29. IDK, feels great to see the numbers go up, maybe one day I'll escape the rat race, and I'll just lie down and rot.

>>82494829
Obviously they aren't robots, right? Because I'm a robot and nobody would ever entertain the idea of making me their roommate. Sucks to suck so much not even a fat bitch wants to dominate me or fix me or whatever.

>>82494162 (OP)
In my bank account I have $84k, I have another $305k in my brokerage account that I manage myself and maybe $280k (too lazy to go and check) in my 401k

>>82494829
I don't know about them, but MY 'secret' was kind of like this:
>finished university at the end of 2016
>parents 'kinda' helped me get a job at a warehouse in mid-2017
Mind you, I'm about 28 at this point, so no way they were going to let me continue living under their roof
>"we need you out of this house A-double S-A-P. Find an apartment, ANY apartment, within the year"
>find an apartment near where I went to elementary school but also not far from the warehouse
>parents practically shove me out in March of 2018 into the new apartment
>no furniture, multiple plumbing issues, roaches, etc but it's about $600/month
>stick with it
and I've stuck with it since. The plumbing issues and roaches are...'under control' at this point, but most importantly, rent is still less than $1K a month for me. Really, most of my money goes to groceries, bills, and clothing. I admittedly would be saving more if I didn't grocery shop on the affluent side of town, but they have the only types of food and snacks I actually enjoy.

>>82494869
>>"we need you out of this house A-double S-A-P. Find an apartment, ANY apartment, within the year"
why are American parents like this?

>>82494883
It really is a 'cultural' thing, apparently. Truth is, my parents initially 'kicked me out' the moment I turned 18 by putting me in the Air Force (from which I washed out), and then sent me to Job Corps...and then to go live with an aunt (who also kicked me out) two states away. I think the whole "Gone by 18" thing is something that needs to be studied, because there's this wild assumption that as soon as you hit 18, you need to already be fully-employed with a house, apartment, or at least in some kind of school (living on-campus) or in the military.
>happy 17th birthday, Anon
>18? You have exactly 10 seconds to get the fuck out of my house.

>25y
0
>30y
10k
>35y
30k
>40y
55k EUR, no other assets
It sucks being poor
At least I'm in good health and not in debt

>>82494162 (OP)
anon i dont even think about money. my family are wealthy enough to support me, yet im not always happy with them. my whole family are stuck up batshit whores if im being real here. but they buy me clothes and i can go shopping all day if i really wanted to, so ig thats the reason why i stay

I'm 28 with 42,000 GBP which just shy of 60 USD. I did a year where I only had 2 days off a month, now I'm comfortably unemployed, just doing odd jobs till I get a corpo job.

>>82495153
Damn exchange rate really got fucked up did you guys get hyper inflation?

>>82494162 (OP)
$4k savings but i havent put money into my savings in a while

>>82495174
forgot to mention 19 and jobless, the savings are from neetbuxx

>>82495163
Pretty much, it's grim. I'm gonna try and get a job doing criminal investigation with our country's equivilent of the FBI's fraud team, (or would that be the IRS?)

>>82495163
>>82495192
absolute kek, don't forget that half of 4chan is genuinely mentally disabled

32 and about 40k beaver bucks in cash/investments. Maybe another 8 grand in assets.

>>82495309
Damn, I just saw the typo I guess. 60k US of course!

>>82495163

I'm 34 and in my current account I have about 20K, in savings I have I think 70K, in stocks I have anoter 70K but I never touch that for anything. So call it 90K (+70K). I did have another 150K up until about 2 years ago but 100K went on a house for my older sister and 50K went to a house for my parents.

I could make more money than I currently do if I worked harder and invested more wisely but what's the point, I think I am probably going to kill myself before I turn 40 so not like I need it.

>>82495471
I just want a house of my own so I can do work from home at night without waking my mum up.

Don't blow your brains out, but if you do, chuck us a fiver in your will, I'll get three quid after the inhertance tax, ta.

>>82495444
I remember when that amount of money would have been worth $80k USD

although the exchange rate is better than it was a few years ago, I think it bottomed out at 1.2 GBP / USD, probably around the time of Brexit

>>82495645
I remember it was like that when I was a kid, and into my early teens it was the same. I just have to take the problems thrown at me by the machine and keep going, just like you. Such is life.

>>82494162 (OP)
>41
>13 GBP
I'm a neet who just plays vidya all day whilst watching porn & jerking off
Working is slavery

Ok, pretend I'm absolutely retarded.... Can someone explain how/why exchange rates even work? "Why" is a dollar not a dollar in other parts of the world? In theory, to me, if say, one dollar is worth 600 yen, then they should have the same purchasing power, and there shouldn't really be a difference in how rich or poor one nation is, right? Or rather... if I need 5 dollars for something in America, why do I not just need the equivalent in local currency elsewhere (in a vacuum disregarding taxes and other costs).

29, I have nothing saved at all
I went on a manic episode and maxed out credit cards and was ok paying it down until interest rates went nuts, and I was forced to get a new car. Now any savings I had evaporated, I had to liquidate the small potatoes investment assets I had to make ends meet.

I attempt to save $100 per paycheck but it doesn't work, I always end up needing to pull it out for something. I'm trying to stop wasting money on beer though, so that might help since I was spending possibly $60 a week on it.

>>82496466
as an alcoholic, if you arent aware of how much youre spending its probably much more than you think

>>82496520
Yeah, kind of aware of that one... Since I tried keeping track of it once, thinking that seeing the growing number would help me stop spending the money, but instead I just felt ashamed of it and stopped tracking.
I figure though buying 4-5 12-15 packs a week and maybe two of them are $16+ craft beer, the rest $10 swill... Had to be around that number (though I was doing the thing where you get nice and drunk, panic because you think you'll run out of drinks before you're ready to sleep, and run out for more very often, not really looking at the prices by then).

2.2k. 29. Homeless. Getting paid for a job I did. Might go up to 6k. Get SSI. Will likely lose it once I report my payment. Kinda freaking out. Hear there's an expedited process to get back on it.

>>82494162 (OP)
26 and South Korean. Graduating uni next year. Debt free. Have never had any real full time job. Now i have about $40k by being a frugal KHHVcel(which means i've never spend a single penny for roasties and normieslops) and keep investing in S&P index fund since 20.

39
Since I sold my house, $450k. Prior to that $200k.

>>82494162 (OP)
First worlder
0 saved
Actually in debt
Isn't it nice?

>>82494162 (OP)
I have $120 in my bank
2 weeks till payday so I'll survive

>>82494162 (OP)
901.94.
Was up past 4 grand a year ago. Got awarded moar 'bux, and it was going to become a problem if I breached the 6K savings limit, so I overspent on take-out deliveries, and bought 1.5K worth of gold coins. Though spending settled down, I had a problem cutting the take-outs way back, and was spending money on hot food rather than the potato snacks I use for poverty food. I also get at least six ten packs of beer each month (cheapest way) to cope.
That, plus having to buy a PS5 on short notice, even with Klarna spreading the cost, has dented my savings below a grand for the first time in a decade. I was down to 322 in June. If that's not bad enough, I'll have to drop 600 for a new laptop at some point in the next few months. My original hope was to buy a gold coin every nine weeks, but this past year has been a financial cluster-fuck. I had a dry July and even went back on potato snacks for a while to save money, but the five week months negated it. I'll only break even this month. Getting the balance back above a thousand before pay-day is very fucking slow going.
Sure, my coins have gone up in valuation by almost 600 in total, but I'm better off holding them.

>>82494162 (OP)
26 yo
$120k in equity for my one bedroom apartment (300k owing)
$6000 in etfs/cash
$55k in superannuation (retirement fund)

I worked hard in my early 20s to save but australia is fucked and I couldn't even buy a 2 bedroom place with my deposit in the end... I guess I'm just happy to have shelter

>>82494162 (OP)
I'm a first worlder and i have less than that, hope that makes you feel better

>>82496445
You're confusing two things. A dollar is worth a dollar everywhere.

Exchange rate exist because people value different countries' currencies differently. Regardless of where you are, for sure you'd rather have dollars than Venezuelan Bolivars, which is why dollar is worth more.

But the purchasing power of a dollar is different in different places because prices of all goods are different. If you want to rent an apartment in New York it'll cost you more than in Middleofnowhere, Idaho. So your dollar has more purchasing power in Idaho than it has in New York, because for the same amount of dollars you can pay more rent in Idaho. But internet might be more expensive in Idaho because they don't have the infrastructure. So it's a bit complicated to actually compare the purchasing power, and it depends on what you personally buy.

>>82494918
>>happy 17th birthday, Anon
>>18? You have exactly 10 seconds to get the fuck out of my house.
Meanwhile I'll see mothers walking around the stores with her 25 yr old daughter. Shes obviously still living with her.