kek bbbbbbbbbbbbbbbbbbbbbbbby-ies.
literal untradeable illiquid stock.

>>60517493
>Can’t buy a nice house in cash in a desirable area.
>If you use it as a down payment it’s going to wipe out your savings and you’ll have an 8k a month mortgage payment (good luck w/ that)
Making shit up. Your mind is fixated on a very specific high class affluent neighborhood clearly.
>Can’t retire, not even close.
Who the fuck is retiring at 30 and why? If you retire you are beginning to die. No reasonable person expects to retire at 30 anyway. $400K is just a number. You can stretch this out depending on what country you live in.
>Can’t go and buy a flashy car
Why do you need this? A car is just an air conditioned box. I'm personally never going to buy any car worth more than $35k.
If you are financially literate you should never have a problem with owning a car.
>If you lose your job 400k buys you some time but it’s going to dwindle very quickly.
You can rent a decent place for $15-25k a year in most of the country.
That means you could live 7-10 years on savings if you have no job.
Do you even research the dumb shit you say?
>Also keep in mind there are many successful people in their 30’s in cities who make multiple times your entire life savings in a single year
This doesnt matter.
>You’re a boring financially stable middle class guy .
You're projecting and knocking OP down a peg because youre envious of a number.
Grow up.