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File: 1744832557255.jpg (31.99 KB, 640x420, image.jpg)

No. 2489596

A thread for all things related to money, such as investing, budgeting, the economy, business ideas, and currencies.
Advice (or ''''advice''''''''') should be taken with a grain of salt.

No. 2489603

bit late in the current market lmfao

No. 2489616

>>2489603
With 4chan's demise I figured now's a good time as any to start a thread. Plus some nonnies seem like they could use some help with their finances.

No. 2489620

>>2489603
the market being busted means its time to BUY no?

No. 2489628

Putting all my money in shaycoin.
It would be a neat April Fools to be able to invest in cows kek

No. 2489638

Search the catalog before you make a thread. This is like the 4th thread we have related to finance.

No. 2489641

>>2489620
Imho no, since gold is at an all times high (which means people are trying to secure money, which in turn means we are still in the middle of a crisis).
https://www.investopedia.com/why-gold-prices-surged-to-a-record-high-on-wednesday-11716665
If you buy something, pick something that can avoid tariffs, like aliexpress, shein or temu.
http://youtube.com/post/UgkxbX6qq_HNGECFPrzjCCrzs0-FzqfC-FAt
That said, I am giving """advice""", since I don't invest at all. I just read some news here and there. I did study some course on economics back when I was in uni, but that's it.

No. 2489643

>>2489616
What happened to 4chan?

No. 2489648

>>2489643
Expelled user board hacked it, released all the jannies and mods emails and took it down. Several of them have been doxxed. Follow here for more
>>>/m/482909

No. 2489654

>>2489648
So it's not even permanently gone, just hacked? Man, you guys got my hopes up.

No. 2489658

>>2489654
The software is 10 years out of date, jannies won't come back after being doxed and hiromoot doesn't care about the site. It's likely it's gone, at least for a couple months.

No. 2489678

I'm ashamed to admit that I withdrew about 1/4th of my liquid investments from an index fund at the bottom of the recent dip, in part because /biz/ was freaking out so much.

But I guess the bright side is that I realized that my risk tolerance is not as high as I thought it was, and I am not comfortable investing such a large portion of my wealth. I think I'm happiest when I at least have a small pile of depreciating cash to sit on.

No. 2489705

>>2489620
I'd wait until there are signs of recovery. It still has room to dump for the next few months, especially when the effects of tariffs start to affect earnings.
>>2489678
Don't feel too bad. There are a lot of people gambling away all of their savings trying to time the market right now.

No. 2489712

File: 1744839081934.gif (3.53 MB, 360x202, 1648256658511.gif)

Is there any way still to make money from home? my career is on the way to getting gutted by AI. I dont know what else to do.

No. 2489739

Anyone here like to gamble on shitcoins? I made around $100 (+70%) on Trump coin, but then I gambled my profits away on dumb investments and Solana transaction fees and decided not to put any more money in. I'm curious if anybody here has had any success, though.

No. 2489919

do we not have a money thread already?

No. 2489923

Money, money, money >>>/ot/246031
Personal finances >>>/ot/734134
Making money online >>>/g/62754
Girl money >>>/g/123168

Lurk moar, we have several threads across this whole website discussing finances

No. 2489924

>>2489919
We have 3 already yeah

No. 2489927

>>2489596
thank you mods

No. 2489928

>with 4chans demise i figures nows as good a time as any to make a thread we don’t need based off one of their boards, y’know, to make them feel more welcome here
kek retard

No. 2489931

Anyways, i got 200 bucks from an art commission and i want to start investing. I know 200 isnt too much, but is there anything i can do with it?

No. 2489934

Not to make newfags feel bullied or anything but you seriously need to lurk and use the catalog before making new threads. We can have these discussions in any of the threads tagged above.

No. 2489935

>>2489931
Have you ever thought about buying some gold?

No. 2489936

>>2489935
I live in south america and my family has gotten their whole life savings robbed twice, so no.

No. 2489943

File: 1744852849003.gif (15.08 KB, 240x240, sorry not sorry.GIF)

I was one of the anons that requested this thread he unlocked. Simply because it has a better threadpic

No. 2489945

>>2489934
>newfags
I don't think this thread was made by newfags kek. The triple quotation marks are a clue as to whom made this thread.

No. 2489951

>>2489945
I don’t think triple quotation marks mean something like triple parentheses do?

No. 2489961

>>2489943
If you hate the personal finances threadpic so much then why don’t you redirect this conversation over to that thread so that it fills up and then you can make the second thread with a more preferable threadpic

No. 2489967

does the janny who unlocked this thread and stripped the ban not realize they’re essentially going against their bosses written rules? you’re not supposed to make a new thread on a topic unless the previous one has been dead for 6 months

No. 2490016

>>2489967
Do you realize no one cares

No. 2490040

>>2490016
i don’t expect every anon to care kek. but yeah. i’d kind of assume the users who’re on the moderation team, that are expected to uphold and enforce lolcow’s rules, and continue to encourage new anons to integrate into our culture, to care a little bit about following the rules they agreed to enforce.

No. 2490257

File: 1744875270462.png (243.57 KB, 966x1490, Screenshot 2025-04-17 at 08.31…)

Stuff I've done to save money in 2025:
>no buy 2025
>took on 2 part time jobs
>filed council tax refund for the time i was a student
>refused to get a TV license
>documenting house before tenants move in and keeping the whole deposit after it was inevitably trashed
>selling everything and anything I don't use on Vinted
>secondhand big ticket appliances and furniture on fb marketplace
>applying for water bill credit refund

My roof broke so I've been trying everything I can to save money to fix it.

I strongly recommend to nonnies that they make a spreadsheet of every purchase they ever regretted and total it up. Mine came to £50,000 over the last 10 years, it totally rewired my brain and changed how I purchase.

No. 2490262

>>2490040
>I'm telling the teacher reeeee

No. 2490268

>>2490257
you wasted 2.400 usd at fucking mcdonalds?

No. 2490278

>>2490268
It's British pounds nonnie. The money makes no sense.

No. 2490308

>>2489967
There's no thread that encompasses discussion of current market/economic conditions, which is why I made this one. Not sure why you're making a big deal out of it.

No. 2490315

>>2490268
Yep. More like $3500 as that's in GBP.

How much do you guys normally save per month?

No. 2490635

>>2490262
i know you’re trying to be funny but, if you’re gonna bunker in lolcow you’re going to have to integrate into the website. i find it interesting that there’s allowed to be a duplicate personal finances thread inspired by a 4chan board, considering that normally the mods actually follow the “no duplicate threads” rule

No. 2490640

>>2490308
>There's no thread that encompasses discussion of current market/economic conditions,
actually yes, there are several threads for discussing economics and the stock market. we’ve already gone over how these threads aren’t really used, because anons don’t come to an imageboard to discuss their finances the same way that sped 4chins scrotes do kek. just because you were not willing to use the catalog does not mean that threads for discussing money, stocks, economics, etc haven’t already existed in this website for several years. it’s not “making a big deal” about anything for me to ask the very logical question, why are jannies not following the written rules all of a sudden? and what happens to them when they choose to go against the rules; does cerbmin just not notice or care?

No. 2490644

>>2490635
AYRT I didn't make this thread and I've been on lolcow for 10 years, take off your tinfoil hate.

No. 2490647

>>2490644
my comment isn’t tinfoiling about anything, it’s making a solemn statement. i know you’re trying hard to be funny but, lolcow actually has a set of rules that regular users put in real effort to adhere to for the purpose of maintaining our boards culture. if you’re claiming you’ve “been on lolcow for a decade” but also don’t understand the importance of the no duplicate threads rule, and the cruciality of not making 4chan scrotes feel welcomed here by making penticate threads inspired by their boards, then i kind of fail to believe you’re actually an oldfag kek. sorry anon.

No. 2491343

File: 1744926028138.png (778.95 KB, 862x788, image.png)

We are absolutely FUCKED if Trump finds a way to fire Powell. The only US assets that will be safe if this happens are physical ones like gold and real estate.

No. 2491365

>>2491343
is he on crack? genuine question but what's his end goal. People are saying its market manipulation and i believe it because this makes 0 sense.

No. 2491383

>>2491343
Every day I swear I find yet another thing that makes me depressed to be a fucking American in the current era.

No. 2491386

>>2489739
made 400% on xrp previously

No. 2491404

>>2491365
I don't know if there is a coherent long-term plan or goals. There's definitely been some insider trading happening, but Trump and the people in his cabinet have all been contradicting each other wrt what the intended outcome for all of their economic measures is.
The idea that Powell could be sacked is unironically making me freak out. The devaluation of the USD is already affecting me financially, and if Trump pulls an Erdogan and takes control of the central bank with similar results, and investors completely lose confidence in the dollar, then the entire country is screwed because US debt will be unattractive to buy and the country will have to pay huge interest rates to those who do (further inflating US debt). There's no outcome that isnt catastrophic. I'm losing hair over this, nonnies. Fuck fuck fuck

No. 2492415

File: 1745014685330.jpg (177.1 KB, 1170x1159, 1681575055180731.jpg)

Does anyone know what jobs are going to be hit the worst thanks to AI? i am feeling hopeless right now, i hate the uncertainty of the world. I am kinda glad i waited until my mid 20s to start college because i cannot imagine being in the middle of studying a career thats about to be gutted by AIshit. Like shit are there even stable careers anymore? between outsourcing to poorer countries and AI i cannot imagine a single job that pays the same or more than a few decades ago.

No. 2492426

>>2492415
it will mostly effect white collar knowledge economy jobs, anything to do with the mind or memorization or the voice.

No. 2492479

File: 1745018127896.jpg (60.66 KB, 500x500, artworks-FQyLHaTyFl6aw8xr-nFd3…)

>>2492426
nta but that's what people hope for. The reason why AI shook the internet so hard was because the people making the AIs were getting replaced by said AI they created, and jobs that felt untouchable from AI like art got its shit rocked. I think business majors don't realize they're next on the chopping block, I know news stations owned by larger corporations might be looking at AI for predicting the weather, or for trying to summarize complex global events. While trade is on the rise, it's not an improbability to believe that it will become oversaturated due to the next generations running to it thinking it'll be the "safe" job. Right now I'm doing whatever the fuck I want and can because we live in a clown world.

No. 2492483

>>2492479
>I think business majors don't realize they're next on the chopping block
>tfw I'm more than half way with a Business Analytics degree
Fuck. This is so, so, so unfair.

No. 2495573

File: 1745269173236.png (1.15 MB, 948x720, 1639156549292.png)

Today we saw:
>a three-point drop in the S&P
>bond yields rising
>value of the USD dropping by 1%
The current trends are basically unprecedented and indicate that people are divesting from the USA and USD. Why isn't everyone freaking out over this? Unless something changes, the US is hurtling towards a serious financial crisis that will affect EVERYONE, not just investors.

No. 2495581

>>2495573
Freaking out isn't gonna solve nor fix anything though

No. 2495599

>>2495573
It’s America, retard. It’ll be fine.

No. 2495726

Are 4chan fags sheltering here??

No. 2496175

>>2495599
The information I posted indicates that investors are divesting from all US assets. The USA is able to sustain high amounts of debt in large part because investors have confidence in the country's ability to pay them back, the dollar is strong in large part because it's the de facto currency for doing business globally, and the stock market is strong in part because consumers have high purchasing power. All of these things are currently under threat, and unless the country stops doing insane bullshit and tries to rebuild trust, we're potentially looking at long-term changes to Americans' quality of life.

No. 2496184

>>2495726
Yes kek I've reported several posts of theirs over the past week and mods put them out to pasture shortly after



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