I have been a wageslave for ~10 years now and I've accumulated over 200k€ in that time.
I have no idea what to do with it. I already own a car. I don't really travel and don't think I would enjoy travelling alone to other countries that much.
Only think I can think about is buying a house. But houses start at 300k and in this case it would be in some village in the area which would mean that I have to spend way more time commuting to work.
I fear that I will unexpectedly die of undetected cancer any minute and then it will just be lost.
Bernd
2024-05-03 15:38:32 ⋅ 2w
No. 309063
donation?
you can commission someone for a drawing or whatever you want, for example
Bernd
2024-05-03 15:39:59 ⋅ 2w
No. 309064
find a girl and your money problem will be solved really quick /joke
Bernd
2024-05-03 15:55:20 ⋅ 2w
No. 309066
Put your money in ETFs if you haven't already so it's worth doesn't decline over time.
If you really don't need this money in it's current form and houses are too expensive, why don't you go for an apartment in a good location to start collecting rents?
Bernd
2024-05-03 16:08:29 ⋅ 2w
No. 309072
Maybe buy a cabin in the woods with some of the money?
Bernd
2024-05-03 16:19:09 ⋅ 2w
No. 309076
>>309063
I don't think I would trust any place that takes donations to not put the majority of it into their own administration.
I would like specific drawings for myself but I would exclusively donate this to someone who outlines in red and I doubt I could find such an extravagant artist easily. Do you know anyone?
>>309066
the lower number is the amount of money in ETFs.
The only upside of living in my own house would be that I don't have to deal with neighbors and the large amount of space. I don't get that with apartments. I think it would be best to wait 10+ years until buying real estate in hopes that boomers start dying and we get free houses against.
>>309072
What would I do with a cabin in the woods?
Bernd
2024-05-03 16:38:26 ⋅ 2w
No. 309081
Just let it do its thing, don’t do anything with it until you really need it or want to make a big investment.
Bernd
2024-05-03 16:50:02 ⋅ 2w
No. 309082
>>309076
hm... i know one! their discord is nico.van.beethoven, hope they won't get mad at me for sharing social media on boards (￣ω￣)
Bernd
2024-05-03 17:58:15 ⋅ 2w
No. 309104
How the fuck did you save up some money? I make 2,5k after taxes and I have 15k in the bank after working for several years. Fucking 1 bedroom apartment eats 900 euros every month.
Bernd
2024-05-03 18:53:34 ⋅ 2w
No. 309114
>>309104
I make about 4,7k after taxes. I pay 850€ for my flat and I have nothing else to spend it on.
I have my current job for 4 years now. I got only roughly half of what I earn now at the job before that.
Bernd
2024-05-03 19:21:10 ⋅ 2w
No. 309116
>>309114
Are you a codegarch?
Bernd
2024-05-03 19:27:11 ⋅ 2w
No. 309118
>>309116
Y E S
E
S
Bernd
2024-05-03 19:52:06 ⋅ 2w
No. 309120
give them to me
Bernd
2024-05-03 23:00:42 ⋅ 2w
No. 309146
Donate to Kimer Med and help fund a cure for previously uncurable viral diseases
Buy American stock index ETFs
Burn it in front of a bank
The possibilities are many
Bernd
2024-05-04 01:17:25 ⋅ 2w
No. 309152
>>309082
don't send him nudes
Bernd
2024-05-04 03:42:51 ⋅ 2w
No. 309160
>>309152
nah man don't worry, everything will be fine
Bernd
2024-05-04 08:40:23 ⋅ 2w
No. 309170
>>309114
> 850€ for my flat
Damn that's insane, I wish costs like this existed here
Bernd
2024-05-04 08:43:21 ⋅ 2w
No. 309171
Move to the Netherlands, rent and taxes will quickly eat up half of that and problems weren't
Bernd
2024-05-04 09:49:40 ⋅ 2w
No. 309173
>>309170
How much do you pay per month for your flat?
Bernd
2024-05-04 13:10:38 ⋅ 2w
No. 309181
>>309173
About 2k. And that is considered quite cheap for the area.
Bernd
2024-05-04 13:14:27 ⋅ 2w
No. 309183
>>309181
Central amsterdam or what
Bernd
2024-05-04 14:07:29 ⋅ 2w
No. 309196
Bernd
2024-05-04 14:28:11 ⋅ 2w
No. 309204
Buy cars and rent them to taxi drivers. You will earn money daily. That’s what I did. Also “investing” (actually loaning) money for friends or people you know that want to start businesses or start-ups. Some kind of guarantee as a property or a car in case they don’t pay and if they don’t pay you keep the property (PROFIT!).
Bernd
2024-05-04 16:04:40 ⋅ 2w
No. 309215
Bernd
2024-05-04 17:43:39 ⋅ 2w
No. 309221
>>309204
My question was how to spend my money and not how to make more. I already earn enough at my day job that I don't want to spend my free time trying to earn even more. Also I hate having to deal with people.
Bernd
2024-05-04 17:59:26 ⋅ 2w
No. 309223
>>309221
>hate having to deal with people
oh do you prefer to not work with anyone and do everything by yourself, so you don't have to deal with people in any way?
Bernd
2024-05-04 18:19:33 ⋅ 2w
No. 309228
>>309223
No. People at my work are all decent guys. I like working with them.
But I wouldn't want to do anything where I would have to deal with average people. I have a hard time connecting with people inside my codegarch bubble anyway. I fear it is impossible with the majority of the population.
Especially when you start renting out things and it goes wrong you immediately have to deal with lawyers which is just a huge pain in the ass.
Bernd
2024-05-04 18:23:11 ⋅ 2w
No. 309229
epal.gg buy e-girls
Bernd
2024-05-04 18:46:50 ⋅ 2w
No. 309235
>>309228
ahh bürokratie, i heard how pain in ass it can be :(
do you feel yourself mentally drained after chatting with bernds by any chance? no judgement by the way, i cant communicate properly with my colleagues at work, so i get what you mean
stay strong, lad, i believe you can deal with it 🫂
Bernd
2024-05-04 18:49:59 ⋅ 2w
No. 309238
>>309235
>do you feel yourself mentally drained when chat with bernds here?
No. I don't think so. Sometimes you have a conversation with someone where you try to come up with witty answers which is a little stressful but I wouldn't call this mentally draining.
Bernd
2024-05-04 19:16:20 ⋅ 2w
No. 309251
>>309238
hm..if there a purpose to give the witty answers when you can be yourself instead? like, it won't make you cool and smart in eyes of opponent but you will keep your nerve cells alive
i think mental health is important rather an internet random stranger you will forget soon, sorry if it sounds harsh or judgmental, i didn't mean to T____T
Bernd
2024-05-04 19:26:55 ⋅ 2w
No. 309254
>>309251
Putting a little effort into your posts does not you less yourself and it feels good if you come up with something clever.
Do you feel mentally drained by posting here?
Bernd
2024-05-04 19:35:13 ⋅ 2w
No. 309256
>>309254
indeed, i mean the cases when you try to come up as brilliant and cynical and pretend to be a charismatic person meanwhile you are a normie with terrible personality behind the screen
>do you feel mentally drained by posting here?
i wouldn't say mentally drained but stressed a little at times, especially when you try to befriend your opponent and find a right words without resorting to swearing and getting personal, it feels like you know that someone will come and point at something in your post, making you ashamed for sprite and popcorn after hard working day, maybe im not used to it so im getting this emotional, who knows
Bernd
2024-05-04 19:44:59 ⋅ 2w
No. 309262
>>309254
What brings you joy in life?
Bernd
2024-05-04 20:22:50 ⋅ 2w
No. 309274
Bernd
2024-05-04 22:22:38 ⋅ 2w
No. 309286
>>309062
Pro side: JEALOUS
Contra side: I don't even know if you're Ossi or maybe even a Polack.
That may change a lot
Bernd
2024-05-04 22:25:09 ⋅ 2w
No. 309287
>>309062
>haus
Houses in Italy are 50000 euro, al though no jobs there.
You may be able to "retire" tho
>Invest
>In 2020s
Lolwut
Bernd
2024-05-04 22:31:21 ⋅ 2w
No. 309290
>>309062
Crazy idea:
1. Set up an AI forex advisor for MT4
(even simple shit like Forex AI 4.0 would be ok)
1,5. Register as a trader.
2. Give it some testing
2,5. Download some history, USD/EUR is the best bc lowest "spread"
3. PROFIT
Here's the thing
4. Add your "neural forex" madskillz to your portfolio.
4,5. Become both a codegarch and an AIgarch
T. Sine qure garch
Bernd
2024-05-05 06:43:29 ⋅ 1w
No. 309330
>>309262
>>309274
I have some hobbies which occupy me in my free time. I could dump more money into them but I doubt it would make them more enjoyable. I try not to buy things I don't really use regularly because they just clutter up space and are a pain to get rid off against.
I don't really know how to travel. I grew up very poor and my family never travelled with me somewhere else. Should I just pick a place on google maps then book a hotel there and go there? What would I do once I get there? I find it overwhelming to plan a vacation so I always just put it off.
Bernd
2024-05-05 10:25:54 ⋅ 1w
No. 309335
>>309330
Basically, yes.
Find some place where you'd like to go, google maps is great for that, buy a train/flight ticket and go.
Bernd
2024-05-05 18:48:01 ⋅ 1w
No. 309363
Can you buy flat instead of house?
Bernd
2024-05-05 19:11:06 ⋅ 1w
No. 309366
>>309330
Yeah, just go anywhere and burn your money buying and doing anything you please (good goyim).
Bernd
2024-05-05 20:17:33 ⋅ 1w
No. 309374
>>309363
I don't see any benefit in buying a flat.
If it turns out that you have shitty neighbors you can't just move away. You can't easily switch jobs anymore because you are forced to live in one location. Unless you start to rent it to someone. And then you have to hope that you don't get shitty renters.
You can't do anything to the house unless all owners agree to do stuff. At the other end other owners can force you to pay for things in the house that you wouldn't want to do in the first place.
Also flats are somewhat expensive compared to small houses.
Bernd
2024-05-05 20:46:56 ⋅ 1w
No. 309379
>>309374
so.. it's been a two days already, do you any ideas how to spend your savings now? (゜o゜;
Bernd
2024-05-05 21:01:19 ⋅ 1w
No. 309383
>>309379
Well I ordered these shoes for mountain bike riding yesterday. r8
I might try to go on vacation to Croatia this summer if I don't put it of for so long until it is too late against. I want to swim in the sea.
Also I realized that I'm not comfortable with uncontrolled spending just to get rid of it. The most valid option would be to keep on saving and try to retire early. Also I need to find an organization that I would be comfortable donating all of it in case something happens to me that makes it impossible for me to spend it myself.
Bernd
2024-05-05 21:11:18 ⋅ 1w
No. 309386
>>309076
To live in...
Bernd
2024-05-06 05:19:46 ⋅ 1w
No. 309423
>>309383
good for you!
>r8
look cool, the main thing is to be comfortable and worth the money, im happy if you're happy though :)
>vacation to Croatia
sea is cool, just don't forget the sunscreen otherwise you will suffer in sunburn and be unable to move without pain for the next few days lol
>not comfortable
ah i can understand! i had the same feeling when first big money came in, i wanted to save some for next occasions, but mother has a completely different opinion about money spending, she said "money must have movement, it must be in flow" (that mean you should spend all of them), we had an argue about this, but since she's a parent figure she took my savings and bought expensive jewelry though we didn't have a need in these
Bernd
2024-05-06 09:53:48 ⋅ 1w
No. 309439
>>309386
It does not work like that on the germany. The state does not allow you to build a cabin somewhere in the woods and let you live there. So you very unlikely find something like that on the market.
>>309423
In one of the older talks of jordon peterson before he jumped the shark he talks that a lot of his patients had family issues and it is important for mental health to make peace with your family. In my opinion this also involved cutting off family members that behave toxic towards you. Otherwise they will continuously create mental stress in you which keeps you from making other positive changes in your life. Most Bernds are created by shitty parents.
Bernd
2024-05-06 10:20:03 ⋅ 1w
No. 309441
>>309439
it makes sense! i wish i could do so, but despite of living alone now im still in contact with mother, she supports me with money and food sometimes, and unfortunately she's the only person i have (dad is at war), so it's a hard decision to cut thing off easily T___T
Bernd
2024-05-06 20:04:03 ⋅ 1w
No. 309472
Maybe you should invest it and just never use it, because the accumulation of money is an end unto itself!
Bernd
2024-05-07 04:19:19 ⋅ 1w
No. 309534
>>309472
Good idea fellow American.
Bernd
2024-05-07 22:30:25 ⋅ 1w
No. 309579
>>309441
> dad is at war
hahhaha RATMEA moment hahahahhahahahahahhahah jesus hahahahahha fuck now that's some NATIVE HARBOR stuff HAAAHAHAHAHA jesus laughing at you scumbags will never get boring fuuuck ahhahahah
man...
Bernd
2024-05-13 17:51:49 ⋅ 5d
No. 310283
Got promoted from developer to project lead. This means I will get a raise.
Bernd
2024-05-13 23:48:51 ⋅ 4d
No. 310321
>>310283
Big senpai, i'm a code monker too, but still a Junior. What do you code?
Bernd
2024-05-14 07:48:31 ⋅ 4d
No. 310351
>>310283
Travel to Iceland. It's worth it.
Bernd
2024-05-14 08:01:43 ⋅ 4d
No. 310352
Invest in Ukraine B.
Bernd
2024-05-14 14:49:56 ⋅ 4d
No. 310372
>>310283
how old are you currently?
Bernd
2024-05-14 15:19:05 ⋅ 4d
No. 310380
>>310372
32
Bernd
2024-05-14 15:20:29 ⋅ 4d
No. 310381
>>310372
32
Bernd
2024-05-14 16:08:20 ⋅ 4d
No. 310387
>>310372
I'm 37
>>310321
I work on ans Desktop Application in the automotive industry in C#/C++.
You probably will have heard this already but the prime advice for younglings is to switch jobs every 2-3 years a couple of times for a better paid one. This can give you up to 30% more pay which you would never get if you stayed in the same company. Every time try to switch to a bigger company because they pay better [spoiler] it gets more soul draining though because you will have to deal with more legacy code and bureaucracy[/spoiler]. Don't be that guy that stays 20 years at his first job with raises that only compensate inflation every year.
Endgame could be to go to ans OEM with comfy IG-Metall tarif and 35h. But then you most likely barely code anything anymore and only deal with bureaucracy all day. I am one step before that but I like it at my current job, so I probably won't go to ans Daimler/BMW/VW.
Bernd
2024-05-14 16:32:59 ⋅ 4d
No. 310389
>>309062
Donate your money to partei fur schulmedizinische verjungungsforschung
Bernd
2024-05-15 22:18:23 ⋅ 3d
No. 310557
>>309062
Do something EBIN X---D
https://www.youtube.com/watch?v=-butN9lrdWs
Bernd
2024-05-15 22:19:53 ⋅ 3d
No. 310558
>>310283
Good.
Do not spend it on assburger stuff plz.
Bernd
2024-05-15 22:21:37 ⋅ 3d
No. 310559
>>310351
==Angry Vitamin D deficiency noises==
Bernd
2024-05-15 22:25:09 ⋅ 3d
No. 310560
Bernd
2024-05-15 22:27:01 ⋅ 3d
No. 310561