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Social Community Do you think you'll ever be a millionaire, and would you work for it if you could?

nkarafo

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I simply don't see how i could ever stop being poor. All the jobs i ever had were shitty long hours for minimal pay filth with no chances of growing. Also, the only thing i will inherit from my parents is a nice, fat dept that there is absolutely no way to ever be paid.

Fuck, i'm so envious of millionaires, especially those lucky ones who didn't have to sacrifice their lives to become one. It must feel great to have financial security for your whole existence, without worrying about the future. Welp, it could be worse, i could be born a peasant in the dark ages.

Anyway, pray for me to win the lottery tomorrow. I'll shower the whole thread with gold if i do.
 

12Goblins

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I feel bad when I see these threads because having a million dollars ain't shit

putting a loved one in a nursing home will deplete that in a year
 
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JordanN

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I feel bad when I see these threads because having a million dollars ain't shit
Take a million dollars to a third world country, and you would already be a king.

For example, I recall seeing a new house in Venezuela only costs $26,000 in U.S dollars. You buy one of those, and you still have hundreds of thousands of dollars left over to do whatever in the country.

Same with being able to get the best medical treatment. You only need a few thousand to be pushed ahead in line and getting treated by the nation's best.
 
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Dec 14, 2008
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You can straight up YOLO your way to millions (or lose it all trying) in the stock market.

I suggest https://www.reddit.com/r/wallstreetbets/

Good luck becoming a millionaire! Remember, get rich or die trying!

I feel bad when I see these threads because having a million dollars ain't shit

putting a loved one in a nursing home will deplete that in a year
This is why it's very popular for Americans to retire overseas now in countries where cost of living is much cheaper.
 
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fatty

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I am about two years away from achieving assets totaling over a million. Plan is to be completely debt free, including mortgage, by the end of 2022.

I will probably always work until I die, though. I just want to get to the point where I dictate how I live my life, and not have to rely on the typical 40hr a week job.

The thing is, it is not about the amount of money you can attain, but instead it is your ability to be financially independent.

This is obtainable for most everyone reading this, and I have detailed how to get there:


The most important thing is to live below your means, and give and save the rest. Learn to be content with what you have and not look towards others to keep pace with with they have (because chances are they are probably in debt).


Here is a quote I like from JL Collins:

Two close boyhood friends grow up and go their separate ways. One becomes a humble monk, the other a rich and powerful minister to the king.

Years later they meet. As they catch up, the minister (in his fine robes) takes pity on the thin, shabby monk. Seeking to help, he says:

“You know, if you could learn to cater to the king you wouldn’t have to live on rice and beans.”

To which the monk replies:

“If you could learn to live on rice and beans you wouldn’t have to cater to the king.”

Most all of us fall somewhere between the two. As for me, it is better to be closer to the monk.
 
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Dec 14, 2008
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I’m worth around half a mill right now. Should retire a millionaire easily in about 15-20 years. Maybe a multimillionaire just depending on investments. I’m not one of those people that thinks passive investing is gauranteed money.
You should be investing in Tesla if you want to be a multimillionaire and retire soon. Fufufu~
 

TaySan

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Yes because of 401k and investments, possibly.

I make money but I'm not that interested in becoming a millionaire. I used to be, but then I started enjoying life too much and I see how doing what it takes would get in the way (minus 401k, etc).
You only have 1 life in this world make the most of it while you are young and healthy. I agree.
 

pennythots

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I'm kind of lazy when it comes to investing. All my savings just sits in the same retirement account and I guess I'm on track for it to be a million+ when I'm approaching retirement but that's a few decades away and who knows how little that will pay for by then. I really have no desire to invest into property or any small businesses and I can't be arsed to dump money into too many stocks. I have a pretty fat inheritance coming to me eventually but most of that will get dumped into some form of a long-term savings account as well.
 

matt404au

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I make very close to six-figures now and my home, which was inherited, last tax assessment was $877K. I have a healthy 401K, savings account and my E*TRADE account is doing well for me too. So all in all I’m pretty much there and I’ve done pretty well for a high school drop out. My goal is to leave my daughter enough money so she can do the things she wants in life and not spend all of it working. Realistically speaking, I don’t really care for money or the trouble it brings.
What’s your line of work?
 

H4ze

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I don't need to get rich, all I am asking for is 4000-5000 € a month, while only working like 20 hours a week.

This would be awesome.
 

Super Mario

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Being a millionaire is actually a lot easier than it sounds. It will get even easier as inflation moves. Much easier if you live in a place of high cost of living, especially if you aren't living in expensive rentals. No, it doesn't mean you are 30 years old with a million sitting in your bank. It means you have a total net worth of 1 million or more.

Build equity in a house and put money away your whole life, and you will be closer than you might think. Of course it takes some work. It's much easier for some to just blame someone else. Heck, I'd say you'd need to have around a million to retire comfortably.
 

appaws

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Yeah probably, if you count all assets including home and retirement savings. I don't think my lifestyle will really change much...except for not working.

My wife and I have prioritized saving and investing for retirement. We are staying in our first house forever to keep that only $900 mortgage payment. I am a lawyer and my wife is a doctor but I still drive my 2007 Mercury. Still the only new car I've ever bought. We want to not have any worries about that as we get old...
 
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AV

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I'll never be a millionaire but I'd be fine if I was. I'm not into big houses or flashy cars or gold watches or yachts, I'd just live really comfortably. Most of my money would go on VIP festival tickets and good food, honestly.
 

Croatoan

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I will become a millionaire through inheritance. Hopefully it takes many more years for that to happen though.

My wife and I are lower middle class right now.
 
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Mihos

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I feel bad when I see these threads because having a million dollars ain't shit

putting a loved one in a nursing home will deplete that in a year

I wasn't going to say anything, but it is closer to about 3 million to retire now if you want to maintain a lifestyle. Even living at 60k a year, you need 1.7 million to maintain even if you wait until 67.... and are single
 

fatty

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I wasn't going to say anything, but it is closer to about 3 million to retire now if you want to maintain a lifestyle. Even living at 60k a year, you need 1.7 million to maintain even if you wait until 67.... and are single
I disagree with this assessment. At 1.5 million, assuming just 5% interest, gives you 75K per year and that still leaves your principal to stay and grow. And 5% is very conservative.

By the time you retire you should be debt free, so you won’t have to worry about a mortgage.

Taking out my mortgage, with a family of 5 (3 of those teenagers with good appetites), I am still at around $53K of expenses per year excluding the mortgage and my giving to charities. This is with a concerted effort to pay down our mortgage so we are not going crazy on buying unnecessary ‘wants’ but still allowing some blow money to enjoy.

Monthly Expenses:

  • Home Insurance – $125
  • Property Taxes and Vehicle (x5) Registrations - $1030
  • Vehicle (x5) Insurance - $200
  • Medical and Dental Insurance - $425
  • Gas (Vehicles) - $400
  • Gas (Utility) - $60
  • City Utilities - $16
  • Electric - $125
  • Water - $65
  • Phones/Internet - $230
  • TV/Streaming Services- $95
  • Groceries - $500
  • Clothing - $50
  • School Supplies - $100
  • House Supplies - $200
  • Personal Spending Money - $260
  • Family Dining out – $60
  • Extracurricular Activities - $35
  • Gifts - $170
  • Kids’ Allowances - $70
  • Misc. Spending - $185
Total - $4,401 x 12 = $52,812

My expenses related to the kids will go down significantly once they are out of the house but that money will then be used for travel, vacations and other activities. I think 1.5 million right now is easily livable for retirement (and this does not take Social Security into account).
 

DonJorginho

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Atm I have no urge to be a millionaire, just to live comfortably and be able to enjoy myself without having to budget or hold back on other things.

I earn around £1900-2000 per month from work and an extra amount from my beats I sell, usually around £550 sometimes £600+ depending how good it is, so that leaves me with a monthly amount of income of £2400+/$3100+.

I save a large amount of this every month as I still do not own my own home/flat myself or rent I am with my family as it makes sense for me financially to set me up in life.

I am aiming to just continue earning enough to enjoy life and whatever comes from that I am happy with, we don't need to pay for healthcare in UK so that takes off a huge amount of financial burden.

My parents are also looking to sell our home for £360,000 and they will get a smaller home and rent out another accommodation to bring in frequent income, this along with the fact I will be getting £40,000 from this means I well get a head start from my peers in my area which is great.

And just so people know, my family are not entitled and all their money was earned through hard work and my Dad's royalties from his music, this has allowed us to do reasonably well for ourselves.

This is why I do not care about being a millionaire, I am many 1s and 0s from being near one yet I am happier than ever so I don't think it really makes or breaks my psyche.
 

Mihos

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I disagree with this assessment. At 1.5 million, assuming just 5% interest, gives you 75K per year and that still leaves your principal to stay and grow. And 5% is very conservative.

By the time you retire you should be debt free, so you won’t have to worry about a mortgage.

Taking out my mortgage, with a family of 5 (3 of those teenagers with good appetites), I am still at around $53K of expenses per year excluding the mortgage and my giving to charities. This is with a concerted effort to pay down our mortgage so we are not going crazy on buying unnecessary ‘wants’ but still allowing some blow money to enjoy.

Monthly Expenses:

  • Home Insurance – $125
  • Property Taxes and Vehicle (x5) Registrations - $1030
  • Vehicle (x5) Insurance - $200
  • Medical and Dental Insurance - $425
  • Gas (Vehicles) - $400
  • Gas (Utility) - $60
  • City Utilities - $16
  • Electric - $125
  • Water - $65
  • Phones/Internet - $230
  • TV/Streaming Services- $95
  • Groceries - $500
  • Clothing - $50
  • School Supplies - $100
  • House Supplies - $200
  • Personal Spending Money - $260
  • Family Dining out – $60
  • Extracurricular Activities - $35
  • Gifts - $170
  • Kids’ Allowances - $70
  • Misc. Spending - $185
Total - $4,401 x 12 = $52,812

My expenses related to the kids will go down significantly once they are out of the house but that money will then be used for travel, vacations and other activities. I think 1.5 million right now is easily livable for retirement (and this does not take Social Security into account).
You forgot to add income tax on any 401k/IRA and inflation at 2-3% per year. If you are retiring in the next few years, you can probably keep close to the same lifestyle you have now assuming you already have 1.5m in there now.
 

Guynamedbilly

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I always liked the Batman TAS episode If You're So Smart, Why Aren't You Rich?

No, I probably won't ever have that much liquid money.
 

fatty

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You forgot to add income tax on any 401k/IRA and inflation at 2-3% per year. If you are retiring in the next few years, you can probably keep close to the same lifestyle you have now assuming you already have 1.5m in there now.
No because this will vary on how you have them set up (traditional vs Roth, etc.) I kept the 5% very conservative to allow for this and/or growth, and you still have income from Social Security though I choose not to count on it.

My main point being is you stated someone needs 3 million if retiring now to maintain a lifestyle and I say that is not the case.
 

Mihos

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No because this will vary on how you have them set up (traditional vs Roth, etc.) I kept the 5% very conservative to allow for this and/or growth, and you still have income from Social Security though I choose not to count on it.

My main point being is you stated someone needs 3 million if retiring now to maintain a lifestyle and I say that is not the case.
I meant 'now' as a goal if your in your 30s, not now as in 'I'm off to Florida'

Also, I would definitely suggest just putting it all into a retirement calculator, they already account for Social Security. I am not going to argue about it, because it's none of my business. My wife and I are bothing retiring in the next 5 - 8 years, so this has been fresh on our minds lately.

Here is probably one of the best calculators if your interested, since it accounts for both you and your spouse, and also lets you put in your expected living cost at retirement, instead of just assuming 70% of income.
 
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pork_gamete

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No, I don't think I will.

I'm 30, I live in Brazil, I have a 10 y.o. son and wife, we rent a small single bedroom apartment, I don't own and can't afford a car, we won't inherit anything. My wife and I both work hard and long hours but we only make enough to survive. I've never been abroad, I've never taken my son to travel as we're always working. We pay good money for his education hoping he'll get better chances, but I had better education too and here I am.

Migrating to other countries now seem too late and too risky considering I could only go illegally. What's the point of going and living a marginalized life? I don't want to put my son through shit.

I don't see a way out.
 

JordanN

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No, I don't think I will.

I'm 30, I live in Brazil, I have a 10 y.o. son and wife, we rent a small single bedroom apartment, I don't own and can't afford a car, we won't inherit anything. My wife and I both work hard and long hours but we only make enough to survive. I've never been abroad, I've never taken my son to travel as we're always working. We pay good money for his education hoping he'll get better chances, but I had better education too and here I am.

Migrating to other countries now seem too late and too risky considering I could only go illegally. What's the point of going and living a marginalized life? I don't want to put my son through shit.

I don't see a way out.
Brazil to me, represents the current direction our countries are going.

You either get to live in the gated communities with glorious amounts of wealth, or you live in the favelas and watch the police take out gangs from helicopters.

Terrible situation all around and why I'm anti-socialist. At least Bolsonaro is trying to do something about this but it just means more angry SJW's to ruin it in the end.
 

poppabk

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So I was watching this [still quite] recent interview of Tony Hawk and he talks about what it was like working on the old skateborder games.

At 2 minutes into the video, he says that by the time he got to the fourth game (Tony Hawk's Pro Skater 4), he met with a Supervisor who just handed him a cheque for $4 million dollars.



And you might be wondering, what's the big deal? It's $4 million. But remember, he's a professional skateboarder. Not a doctor or a Politician. Yet, if the guy who does kickflips outside your 7-11 store can be filthy stinking rich, then why not any other everyday man?

And the funny thing is, the Hawk is even richer today. So he went from a $4 million cheque in 2002, to now being worth $140 million today.




This now begs the question. Why aren't you a millionaire? Why haven't you moved up in life from the peasant class to the actual 1%?
Think of all the things that had to work out just so for Tony Hawk to have the success he had. Exactly the right timing, had to be very lucky with injuries, and he had to have all that natural ability. Born 10 years earlier and his skateboarding abilities would have been worth jack shit, 10 years later and they would have been worth something but a damn sight less. Bad injury at 15 and he's working at 7/11 now instead of being a multi millionaire.
Takes a lot of luck to get where Tony Hawks ended up, most of us have to do the boring type of grinding to get in that millionaire club.
 

JordanN

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Think of all the things that had to work out just so for Tony Hawk to have the success he had. Exactly the right timing, had to be very lucky with injuries, and he had to have all that natural ability. Born 10 years earlier and his skateboarding abilities would have been worth jack shit, 10 years later and they would have been worth something but a damn sight less. Bad injury at 15 and he's working at 7/11 now instead of being a multi millionaire.
Takes a lot of luck to get where Tony Hawks ended up, most of us have to do the boring type of grinding to get in that millionaire club.
In the very first part of the video, he said it was his idea to include "the 900" in the first game. Technically, they could have waited for the sequel, but since that trick was all over the news back then, he wanted players to enjoy it immediately. This was also right before the deadline Sony had for submitting games before you can't add anymore changes.

So yeah, Hawk is very smart or lucky.
 

pork_gamete

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Brazil to me, represents the current direction our countries are going.

You either get to live in the gated communities with glorious amounts of wealth, or you live in the favelas and watch the police take out gangs from helicopters.

Terrible situation all around and why I'm anti-socialist. At least Bolsonaro is trying to do something about this but it just means more angry SJW's to ruin it in the end.
Well, you're describing Rio rather than Brazil, the middle class (which I'm part of) doesn't live in the favelas, most not even close. But I get what you mean.

Most middle class people are making only enough to live with the bare minimum dignity. You'll have food on the table, a small roof over your head and clean clothes to wear, but good luck getting a car, trying to buy property or trying to invest.

For reference, this is where I live: https://www.google.com.br/maps/@-25.4286056,-49.2673557,3a,75y,303.27h,94.53t/data=!3m7!1e1!3m5!1sIYpmYl6lQWq3t74ILrvOzQ!2e0!5s20181201T000000!7i13312!8i6656

Not too good, not too bad, definitively not a favela.

Reality in Brazil is "work very hard to afford the bare minimum, pay a shit load of taxes and do not complain"
 
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I never had any goals to make any more money than what my family needed to live comfortable. After 10 years though my business reached a little over 2 million in profit last year and I've got to say it feels pretty good. I grew up dirt poor in a trailer in rural Kentucky and it feels good to see my 5 daughters and wife wanting for nothing and enjoying life everyday without the stress of low funds.
 

zeorhymer

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I'm close to being a millionaire, but they're all tied up in objects which aren't liquid. I think people are missing one or more of the items:

Work Hard
Always keep learning to look for advancement
Be Frugal
Save money away
 
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JordanN

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Well, you're describing Rio rather than Brazil, the middle class (which I'm part of) doesn't live in the favelas, most not even close. But I get what you mean.

Most middle class people are making only enough to live with the bare minimum dignity. You'll have food on the table, a small roof over your head and clean clothes to wear, but good luck getting a car, trying to buy property or trying to invest.

For reference, this is where I live: https://www.google.com.br/maps/@-25.4286056,-49.2673557,3a,75y,303.27h,94.53t/data=!3m7!1e1!3m5!1sIYpmYl6lQWq3t74ILrvOzQ!2e0!5s20181201T000000!7i13312!8i6656

Not too good, not too bad, definitively not a favela.

Reality in Brazil is "work very hard to afford the bare minimum, pay a shit load of taxes and do not complain"
I was roaming through the streets and saw there's a billboard showing a criminal. :messenger_grinning_smiling:

I'm going to assume it's actually an ad for a movie theater?




Otherwise, I kinda get a rural European town vibe. Just with a lot more buildings with graffiti on them. Some buildings also don't look occupied or completely closed off.

Also, there's a homeboy wearing a Yoshi T-shirt.

Edit: Whoever owns this house, also seems to have made it. But it's behind gates too.

 
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pork_gamete

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I was roaming through the streets and saw there's a billboard showing a criminal. :messenger_grinning_smiling:

I'm going to assume it's actually an ad for a movie theater?




Otherwise, I kinda get a rural European town vibe. Just with a lot more buildings with graffiti on them. Some buildings also don't look occupied or completely closed off.

Also, there's a homeboy wearing a Yoshi T-shirt.

Edit: Whoever owns this house, also seems to have made it. But it's behind gates too.

That's a theater school, it's an ad for a play. Nintendo and Sega were big here, Sony and Xbox are bigger now.

Yep, it's a mix of different types of architecture with complete non-sense :messenger_tears_of_joy:
Some are beautiful, some are horrendous. Brazil in a nutshell :)

It does bother me that people from other countries think Brazil is an open big sewer surrounded by favelas, tho. Couldn't be more far from reality. It has some real big problems, but we're mostly decent people.
 
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zeorhymer

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It does bother me that people from other countries think Brazil is an open big sewer surrounded by favelas, tho. Couldn't be more far from reality. It has some real big problems, but we're mostly decent people.
I think it was because of the Rio Olympics which had coverage of all the sewage and of course the green pool.
 

pork_gamete

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I think it was because of the Rio Olympics which had coverage of all the sewage and of course the green pool.
Well, Rio is a shithole. It was great in the 30's-50's but not anymore... And I don't get it why it's still seen and advertised as the best place in the country. It's as if Detroit was still used as an industrial post card for the US. It makes no sense.
 
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ipukespiders

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Take a million dollars to a third world country, and you would already be a king.

For example, I recall seeing a new house in Venezuela only costs $26,000 in U.S dollars. You buy one of those, and you still have hundreds of thousands of dollars left over to do whatever in the country.

Same with being able to get the best medical treatment. You only need a few thousand to be pushed ahead in line and getting treated by the nation's best.
Some people in the leanfire community have tried this but most end up abandoning it after a short while for various reasons.
 

NOLA_Gaffer

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Goodness no, I'll never be a millionaire, nor do I want to be.

I just want enough to be safe, happy, and healthy.
 

TylerD

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We’re on track to be “millionaires” in 10 years or so. I’m 36, wife is 27. I started investing in 2008 with my first job out of college. Always invested at least 10% before take home. It adds up quickly and compound interest is a wonderful thing. Our combined income is less than 100K. We plan on trying to retire in 15 years. It’s not very likely that we will have children so that makes things quite a bit easier.
 

Hinzel

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should reach it in the next 5 years, though the bulk of it will be in stocks/assets
 

Durask

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Becoming a millionaire really isn't that hard. It's the billionaire boys club that seems unachievable for for the bulk of society
Yeah. Under 10 mil by age 65 is achievable by high pay professionals or successful small business owner - if they live frugally and do not splurge much.

If you are one of the mid to high earning doctors like a busy surgeon (or even a GP if you work like crazy) and do not spend your money (meaning a nice car and a nice vacation once a year etc but nothing extravagant, not flying first class, no private schools for kids etc) you should have 5mil or so by the time you are 55.

However, Mark Zuckerberg makes 5mil a day.
 

Weiji

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I should be a millionaire in about 5 years if the stock market doesn’t collapse.

I’ll still be driving my Kia.
 

UltimaKilo

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Like others on here, yes. I invest aggressively, live like a college student and I’m on track to have the ability to live very well off of dividends alone in 7-8 years. Nevertheless, I don’t plan on retiring so young. I did that for 2 years and was bored out of my mind.
 

UltimaKilo

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I should be a millionaire in about 5 years if the stock market doesn’t collapse.

I’ll still be driving my Kia.
It will. Recession is coming, so you need to make sure you have enough liquidity to buy the dip. It should be a soft landing too, so the window will be small.
 

ScarletSpider

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Do I think I will ever be a millionaire? No.
Would I work to become one, if I could be one? Duh.

c’mon son
 
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It will. Recession is coming, so you need to make sure you have enough liquidity to buy the dip. It should be a soft landing too, so the window will be small.
The next recession might be a bad one because of the sheer amount of wealth inequality right now. It's like the Roaring 20's (and I mean the 1920's, not the 2020's) just before the Great Depression. If the next President doesn't address wealth inequality in a meaningful and significant way, and it sure looks like Trump is on the way to reelection right now so I'm guessing nothing will happen, it will be a very very hard landing.
 
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