[Life Advice for 18-30] How to Get Stupidly Wealthy

splishsplash · May 23, 2026

Nicks_ said:
& after reading ^ this simplistic breakdown the only thing left for losers to keep as an excuse is what why they are still or always poor. because they never understand the simple mathematics of finance and cumponding.

Huge respect to you

Yep. But this shows you human psychology.

It's an identity threat.

The guy above for example decides to create a straw-man to argue.

Gunadhya Bajpai said:
The title of your thread is literally "Life Advice for 18–30"

But majority of 18–30-year-olds are students, freelancers, part‑time workers, or in entry‑level jobs, so their median earnings are below $2,000 (or equivalent) in the majority of developed countries.

So what are you talking about?

You are basically saying: "If you’re 18 and want to get rich, just go earn $10K a month first and once you do, I’ll show you with some simple math how easy it is to become a millionaire."

He attacks the title, then he makes up a $2000 or equivalent required monthly even though I said, VA earning $600/mo, putting by $200 it works for.

It's because many people have a core identity of "I am a victim. I am helpless. The world is a bad place".

When you tell them they can just put by $200/mo and work as a VA and have lifelong comfort, they get angry. They can't believe this and simultaneously believe "I am a victim".

They have to reconcile, and many won't do that, so they will instead create stories to argue against.

When you learn how the human psyche works you can, coincidentally also make boat loads of money online advertising

Venusaur · May 23, 2026

Gunadhya Bajpai said:
The title of your thread is literally "Life Advice for 18–30"

But majority of 18–30-year-olds are students, freelancers, part‑time workers, or in entry‑level jobs, so their median earnings are below $2,000 (or equivalent) in the majority of developed countries.

So what are you talking about?

This guy is writing for a micro bubble living in Monaco, not for average people.

Freelancers, part-time workers, students, just a bunch of lazy people

He mentioned ''a lot of people'' are like that. If this world had ''a lot of people'' with $150M in their bank accounts, I would go to the supermarket right now and the carton of eggs would cost $300. This is for 0.00001% of people, very likely coming from rich families with an obscure past

everybody else are just lazy people looking for 'excuses'..it doesn't worth the time, if he was so wealthy with $100M in his bank account, he wouldn't be here talking to poor losers like us, people caring about yachtes, private flights, etc are not on internet forums talking to algerian freelancers xD

just a bs generator

Nicks_ · May 23, 2026

splishsplash said:
It's because many people have a core identity of "I am a victim. I am helpless. The world is a bad place".

You have answered by yourself that is why & who really got triggered by this wonderful post

P.S:- to everyone must check @splishsplash other amazing posted threads and I can guarantee you’ll learn a lot from his knowledge & experience.

Nevertheless I would say thank you for your time

See you next time legend.

PinkZebra · May 23, 2026

thank you, bookmarked, once I have $2mil I will come back, see you guys in 2070

splishsplash · May 23, 2026

Nicks_ said:
You have answered by yourself that is why & who really got triggered by this wonderful post

P.S:- to everyone must check @splishsplash other amazing posted threads and I can guarantee you’ll learn a lot from his knowledge & experience.

Nevertheless I would say thank you for your time

See you next time legend.

More guides coming soon. I'm building a SaaS just now, and almost done. Once I've finished I'm going to start writing a ton of good stuff. I have so much to write about.

PinkZebra said:
thank you, bookmarked, once I have $2mil I will come back, see you guys in 2070

That's exactly why 95% of people reading this won't be the ones who make this work. Most laugh at it and will go back to watching AI cat videos and looking for the next big thing to get rich on.

Venusaur said:
This guy is writing for a micro bubble living in Monaco, not for average people.

Freelancers, part-time workers, students, just a bunch of lazy people

He mentioned ''a lot of people'' are like that. If this world had ''a lot of people'' with $150M in their bank accounts, I would go to the supermarket right now and the carton of eggs would cost $300. This is for 0.00001% of people, very likely coming from rich families with an obscure past

everybody else are just lazy people looking for 'excuses'..it doesn't worth the time, if he was so wealthy with $100M in his bank account, he wouldn't be here talking to poor losers like us, people caring about yachtes, private flights, etc are not on internet forums talking to algerian freelancers xD

just a bs generator

Just because I want to throw this right in your face as you've either not read or are avoiding it:

20 year old VA earning $600/mo.

He lives off $400.

He puts $200 into s&p 500.

Does that for 20 years.

When he's 50 his principle is $330k and his yearly tax free is $9800($816/mo)

At this point, he's given himself freedom for the rest of his life. He doesn't have to work ever again.

By age 60: $800k principle and $24k/year

by age 65: $1.2 million principle and $37k/year

by age 70: $2 million principle and $60k per year.

That kid who could only earn $600 per month as a VA, is now a 70 year old worth more than rich Americans, and has $5k/mo tax free ever month.

What's your next excuse?

But here's the reality: Your real excuse is you don't want to work 20 years for future freedom and comfort. You want it now, or you want to complain that you're a victim.

Gunadhya Bajpai · May 23, 2026

splishsplash said:
He attacks the title, then he makes up a $2000 or equivalent required monthly

Don't twist my words.
I said that majority of 18–30‑year‑olds are living paycheck to paycheck and the average wage is less than $2K equivalent in developed countries

You said:

splishsplash said:
It's not for you. It's for guys making $5k to $10k/mo who are growing. It'll help them make decisions now that'll secure their future.

And now you contradict yourself

splishsplash said:
VA earning $600/mo, putting by $200 it works for.

Your numbers don’t add up!
You know it, and I know it.
Do you think a VA earning $600/month can afford to save $200? Can they survive on $400?
Rent, food, transport, utilities, healthcare, communications exceeds $400/month even in 3rd world countries mate

Venusaur said:
just a bs generator

I love that the math never adds up for these gurus.
This thread has nothing to do with reality.

Google adword expert · May 23, 2026

splishsplash said:
You die at 93. Your net worth is $180 million. You die a decamillionaire.

Your total debt was $58 million with 34.6% LTV.

Your net is $120 million.

splishsplash said:
And all you did.. Worked 70 hours a week for 10 years doing online services and living on $1k/mo while banking $4k/mo for 10 years

splishsplash said:
Mine is 50% S&P 500, 30% bitcoin etf and 20% microstrategy

splishsplash said:
By age 70 it's $5m principle and $150k/year loans. And that was just the VA who worked for 20 years earning $1k/mo, living off $500.

splishsplash said:
The post offends you and doesn't apply to you

WTH is this post about? fr you alright? i mean in which country you living where $2mil by 25 yo can have and so all bs you talking

Bruh made me offended by this forsho

Venusaur · May 23, 2026

splishsplash said:
That kid who could only earn $600 per month as a VA, is now a 70 year old worth more than rich Americans, and has $5k/mo tax free ever month.

I guess we can agree that according to your numbers, an average person with a lot of good will, effort and hard work can reach $2M (living alone, no kids, no family, no entertainment, no international trips, just basic needs and saving money), the problem is...when they finally reach it, they will be nearly dying

...70yo as you mentioned.

And it's what happens all the time in real life, when average people are finally better financially, they are very old to enjoy anything. Or they need to spend all those savings with healthcare.

And the whole point of this thread was an advice for people 18-30yo, not for 70y people. The poor kid that you are referring to will have their 2 million bucks 30-50 years later than your goal. I wish you could provide us with a math capable of allowing this kid to reach $2M at 30yo, not 70yo

And we're not talking about personal lives here, I'm gladly a privileged person earning enough to be considered among the top 1% of my country, but I'm aware of the reality

splishsplash · May 23, 2026

So much hate.

Sad to see how the forum has become.

Most of you guys who *want* to make money are just going to chase away the people who have been in the game for a long time and could actually help you.

Good luck.

Google adword expert · May 23, 2026

splishsplash said:
By year 20 it's $1.9m

by year 30 it's $4.6m

It's that easy.

splishsplash said:
Your yearly is now $1.3 million.

splishsplash said:
You die at 93. Your net worth is $180 million. You die a decamillionaire.

Your total debt was $58 million with 34.6% LTV.

Your net is $120 million.

Why the f*ck you even here for?

You are 43 and talking bs over internet my only serious question what's your worth!!!!!! have your achieve $50 mil already?

or maybe 25Mil?

or maybe 10Mil?

or maybe 1Mil?

If not then get the f*ck out from here for being rude

splishsplash · May 23, 2026

Google adword expert said:
Why the f*ck you even here for?

You are 43 and talking bs over internet my only serious question what's your worth!!!!!! have your achieve $50 mil already?

or maybe 25Mil?

or maybe 10Mil?

or maybe 1Mil?

If not then get the f*ck out from here for being rude

Consider me getting the fuck out. Enjoy.

Google adword expert · May 23, 2026

splishsplash said:
Consider me getting the fuck out. Enjoy.

Why you don't have answer now?

Or you don't even know what's $1Mil means?

$1Million
$2Millions
$150Millions

Rediculas bruhhhhh

Gunadhya Bajpai · May 23, 2026

splishsplash said:
So much hate.

Sad to see how the forum has become.

Most of you guys who *want* to make money are just going to chase away the people who have been in the game for a long time and could actually help you.

Good luck.

It doesn’t mean that other people here aren’t making money. As a matter of fact, I’m living comfortably, I can go wherever I want and I can make nice memories while I'm young.
It also doesn’t mean anyone expects handouts.

I don’t know what you do or how much money you make, but from the way you talk it sounds like you don’t know much about money.

Oh and the yacht story: you must be very insecure. Even if you could afford a yacht, why on earth would you buy one? It’s a bad investment: it loses value faster than cars, and you also need to hire a crew and pay for maintenance.

Nobody here holds a grudge against you, and of course you deserve respect for being a long-time member of this forum but that doesn't mean we can't call out nonsense.

It's not hate... it's a reality check.

r2150523 · May 23, 2026

Gunadhya Bajpai said:
Your numbers don’t add up!
You know it, and I know it.
Do you think a VA earning $600/month can afford to save $200? Can they survive on $400?
Rent, food, transport, utilities, healthcare, communications exceeds $400/month even in 3rd world countries mate

Do something crazy, act stupid, read some occult shit and apply it in real life.

Once people notice and your life is upside down according to other people, get psychiatric diagnosis like schizophrenia or bipolar disorder.

Once you have that, you get free money monthly from government. It's possible
to get paid for disability like this in many countries.

By using crypto and other means, you can move money safely from shady, unethical businesses. That way you won't lose your money paid by government.

Optimize all costs of living. Eat prepackaged food only when it guarantees you good feeling. Don't think of luxuries out of habit, only when they help you.

You can make own clothes, own furniture etc. This is also good to learn 1-man engineering and art.

Venusaur · May 23, 2026

r2150523 said:
Do something crazy, act stupid, read some occult shit and apply it in real life.

Once people notice and your life is upside down according to other people, get psychiatric diagnosis like schizophrenia or bipolar disorder.

Once you have that, you get free money monthly from government. It's possible i
to get paid for disability like this in many countries.

By using crypto and other means, you can move money safely from shady, unethical businesses. That way you won't lose your money paid by government.

Optimize all costs of living. Eat prepackaged food only when it guarantees you good feeling. Don't think of luxuries out of habit, only when they help you.

You can make own clothes, own furniture etc. This is also good to learn 1-man engineering and art.

holy shit, things are getting darker
we need to act like crazy guys talking to the trees on the park, make our own clothes/furniture, eat prepackaged food and pay everything with monero trying to live decently xD

r2150523 · May 23, 2026

Venusaur said:
holy shit, things are getting darker
we need to act like crazy guys talking to the trees on the park, make our own clothes/furniture, eat prepackaged food and pay everything with monero trying to live decently xD

No. You don't have to do it. It's only one possibility. The thread is about getting stupidly wealthy. It's not about living comfortable life I think.

I didn't say to pay with monero for everything. I didn't say to talk to trees.

Just... schizophrenia and bipolar are very good diagnoses to have if you want help from government.

To meet criteria, you don't need hallucinations. Only act differently than other people, have bad things happening to you in the past, have chaos in your head and typical symptoms like insomnia, losing temper easily, having weird emotions... feeling the world too hard.

It has nothing to do with talking to trees.

moonshine7000 · May 23, 2026

@splishsplash you think everybody live in the first world like you,there are people living in the world that don't have your privilege in terms of banking and merchant accounts,you are saving in a stronger currency,people in other countries have to work harder to achieve the same standard living.

gentzalli · May 23, 2026

Not saying the main advice is bad, but what changed? Your advice now is to put your money in S&P500 for 8% returns per year, but 2 years ago you said you put 100% of your money in BTC and that its feasible for it to reach a price of $8,7 Million within decades. If you still believe that, why change the advice?

splishsplash said:
I personally put 100% of my wealth in bitcoin.

splishsplash said:
Gold is currently 15t market cap, so let's be conservative and call bitcoin 15t. That's 11.5x the price now, so 70k*11.5 = $805k

And if anyone thinks bitcoin won't reach 15t in 25 years then good luck to them

At an initial rate of $804k, with 10% yearly inflation for 25 years, that results in $8.7 million.

That's not far off $25m and this is conservative for inflation and market cap.

Original post: https://www.blackhatworld.com/seo/bitcoin-to-reach-25m-by-2050-agree.1620406/

splishsplash · May 23, 2026

gentzalli said:
Not saying the main advice is bad, but what changed? Your advice now is to put your money in S&P500 for 8% returns per year, but 2 years ago you said you put 100% of your money in BTC and that its feasible for it to reach a price of $8,7 Million within decades. If you still believe that, why change the advice?

Original post: https://www.blackhatworld.com/seo/bitcoin-to-reach-25m-by-2050-agree.1620406/

The me of today has more knowledge and experience.

My actual strategy is 50% VOO, 30% btc etf and 20% mstr.

1. 100% bitcoin is too high risk. No matter the amount. Whether it's your $200/mo or $12m seed.
2. It's volatile. If you borrow against it you're going to get margin called.
3. Banks won't let you borrow against it.

Private banks will let you borrow 1 to 1.5 basis points above the base rate against VOO.

The entire strategy is based on the taking 2% per year, then 3% when your principle has compounded enough.

It's not just about wealth, it's about complete freedom and the ability to say fuck you to the world and never need to work again for as long as you live.

r2150523 · May 23, 2026

splishsplash said:
It's not just about wealth, it's about complete freedom and the ability to say fuck you to the world and never need to work again for as long as you live

Yeah, I like this approach to live like a retired person before you're 30.

Once you secure basic stuff, you can hustle with clear head.

[Life Advice for 18-30] How to Get Stupidly Wealthy

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