People Going Homeless Playing FFXI

We know your jelly and need to take your hemorrhoid medication.


Dude started a business, which is what I said was the best thing to do. Incidentally he also now has an investment portfolio.

No man you mentioned business after the fact and then went directly back to 'get in the market regardless of your level. Be an investor, everyone is a winner.'


Not start a business.

When you're done supporting the markets so people with money can have the stability to benefit off obvious trends, you better know what you did with that money and how it made you happier than if you had done anything else with it. Otherwise you literally wasted your time, energy, and money on supporting someone other than yourself that doesn't give a ***about you.

In a thread about people going homeless playing FFXI, you need to know what you actually want to do with your time and money and what will actually make you happy.

The answer here very much depends on your goals.

Are you planning to become a billionaire? You're not going to get there investing in index funds if you're starting from scratch.

Are you planning to retire sometime between the ages of 30 and 60? You can certainly accomplish this with a salary, self discipline, and index funds.

Honestly, if your life goal is to become a billionaire, then you probably need to rethink what happiness means lol

There are total of 2,781 billionaires in this world as of 2024. Is it really that bad if people don't become one if the number is so small?

https://en.wikipedia.org/wiki/The_World%27s_Billionaires

Becoming a millionaire as a middle class American however, is quite possible. According to data around 8.5%-12% of American adults are millionaires. So you just need to beat 90% of people. A way more realistic goal to a accomplish.

If you happened to get decent paying job, save as much as possible and invest, and lived long enough, becoming a millionaire should be realistically doable.

(This only applies to Americans btw, as almost every other region has less millionaire percentage than the US except Switzerland and Hong Kong. American dream duh.)

Completely agree

Agreed, Afania. That was kind of the point I was trying to drive home. Investing is a rock solid way to becoming a millionaire from scratch. Unless you have an unrealistic goal for your life (kudos to you, if you do) reasonable wealth is within everyone's grasp with self discipline and a plan.

People see, hear and read what they want to see, hear and read. Most of what he's saying is pure copium for self justification.

Index funds aren't great, I even said as much, but they are safe and a good place for people to get started. Never invest in anything your not familiar with and index are the easiest to understand.

Personally I'm heavily involved in real estate, such that I could retire now if I wanted but instead want to build up a bigger set of passive investments to leave income to my family in the future. I spent a ton of time learning about real estate, how to spot good value and how to position such that I always make money.

The most important investment is the ones we make in ourselves.

Now to really hurt people's feelings, people be making 43 million a year on OF...

https://people.com/onlyfans-model-made-43-million-last-year-to-her-it-doesnt-conflict-with-christian-values-exclusive-8758383

Wow you tell people how easy it is to be an investor with index funds, as though it's some amazing trick. And that it's so easy that even an idiot redneck like yourself can do it casually. You equate people's lack of progress to laziness and cowardice even though even though you didn't even touch on the tax ramifications that aren't so straight forward and can cause people to not be financially solvent when taxes come around. All the while you're not actually doing it, you're investing real estate which is a market you'd prefer not to have competition in and if they have their money in the markets then they don't have it on hand to make decisions like you're making for yourself.

Next you're going to say something dumb that you don't even need a series 7 to plop out like, 'you need to have a well diversified portfolio' and that you don't personally just go into real estate because you use investments to build up capital. But you know full well that people who don't have anything can't afford a well rounded portfolio to be safe and cash on hand to make actual risks if that was their decision.

When you know how much you have actually affects your options, output, and the quality of your risk assessment.

You give advice like a self serving ***.

I'm gonna be an elitist here and say that this comes back to issues besides investment. Saevel's advice is perfectly fine, your money should be working for you and you should be working toward having capital. The working class loves to play the victim, but in most parts of the developed world there are ways to build capital even on minimum wage.

You can live multiple families to a home. You can share vehicles. You can stop eating out and buy bulk rice, beans, and protein. You can use public facilities like rec centers and libraries for entertainment instead of paying for cable, streaming, and going out for entertainment. Learn to do your own small repairs. Don't obsess over image(this one is probably the biggest, tbh). Most of these will make you healthier, which'll also save on medical expenses.

In my experience, the type of people who complain that investments are out of reach tend to do few or none of these things, and are unwilling to forego immediate gratification for long term success. Sure, some people were born with a silver spoon in their mouth and a golden plug up their ***, but plenty have sacrificed and developed self-discipline to reach financial security.

And yes, you should be an investor. It's never been more accessible. If you have the chops, running a business pays much better returns. If not, you're a fool to not be throwing what you can into the S&P500.

Don't americans always add a "Not financial advice" befor giving financial advice?

Also:

Can /close_thread

These stories are always pure nonsense, the girls say this because they know it will make guys mad and it will go viral. That is effectively free advertising to build their titty business.

It's sad really that these kinds of fake articles get shared around, cause it convinces more women to get into it and make the owner more money. Most women on OF make almost no money, and the top ones don't make anywhere near as much as they pretend they do. Plus they have to do far more than show pictures to be the top earners, and it usually involves flying out to foreign countries and doing stuff for some rich slob.

Sounds like you have titty envy. Are your titties not so good?

Yes, I think a lot of people like to insist not to sacrifice life quality for money. Or maybe it is a cultural issue in the US.

I already did the math that if you save $1000 a month for SP500 you'll likely to be a millionaire in 30 years. From my experience marriage/kids/house(rent or buy) will be your biggest spending in life.

So just choosing to be single and live with parents, you can save significant amount of money every month, that makes the $1000 monthly saving goal much easier to reach.

Marriage but no kids is fine if your partner is financially independent and stable, if not then it can create a hole in your wallet.

Being single and living with parents is a popular life choice in my culture, because of money. As a result we have one of the highest saving rate in the world. Our poverty rate is low because every young people know that if you have low income, the best life choice is be single and live with parents.

But I think in western culture having a hot wife and kids is being view positively and successful, and living with parents are being viewed as shameful. As a result a lot of lower income people force themselves to make those life choices that they can't afford, and ended up with less saving.

IMO, if someone has lower income than average, with no option to increase income, then the next best choice is to sacrifice certain aspect of life like wife/kids/house, otherwise they'll just have to deal with money problem in the rest of their lives.

It's not nonsense, she actually made that much. On live stream she opened her OF channel page and showed people how much was in there.

It's completely insane but ... she got the body and there are so many dudes out there throwing money around like that. OF is the new strip club...

learn to be a social human being and go into some sort of specialized sales, build equity.

soft skills are the key to success. you can be a moron when it comes to hard skills and still be a billionaire. if you're looking at the ruling class and asking yourself "how are these idiots so rich" it's because they have soft skills.

the above advice is something mostly online people have trouble grasping. to give a real world example, if you are the best coder in your fortune 500 company and can't move up it's because people don't like interacting with you

LOL. C'mon stop it. The vast majority of billionaires won the birth lottery. All of them got their wealth through the exploitation of others rather than their own labor.

Sex sells. Nothing new.

i like how you say a statement and then back it up with a completely unrelated statement

I went as far as installing this game back in 2006, but it failed to run on my crappy high-school-kid laptop.

Ended up not playing it again until early 2023. And honestly, as much as it bothers me that I've missed this game's "golden era", this thread makes me glad that I've missed it. My life would probably have been so much worse for it.

Man, i hate to agree with GetHelpNerd but, as someone who was born kinda rich, birth lottery really help but they only get you so far. Even if you're born into billions, without paying attention or the skill to judge people/business, you can lose it.

I've seen friend born rich spent a multimillion dollar fortune thinking its endless.

I've had friend drop out of school because their parent's company failed.

I've seen billionaire heir classmate having their wealth confiscated and have to leave the country because their family stepped on the toes of people more powerful than them.

I've seen acquaintance going from 10s of millions to actually billionare in their 30s from hard works and their ability to raise fund.

I've seen normal, needing to borrow money for college, acquaintance, becoming multimillionaire by schmoozing the right people, getting the right job, getting stock options.

Heck recently I invested in a small business, started by a nurse, because she work hard and has good social skill. We were introduced by a local government program, she definitely wasn't born rich or go to any fancy school.

Being born rich and going to the right schools to get the right network definitely helps. But it does nothing without the soft skills. People, including parents, will not invest in your company just because you wanted them to. You need to show them plans, presentations, business models. To convinced them you need soft skills: communication skill, social skill, interpersonal skill. They may want to help you, but they are not stupid and won't waste their money/network if they aren't convinced you're a good bet. Then once you get the fund, your other soft skill, including work ethic, your ability to manage people including your teams, your suppliers and your customers, you ability to deal with stress, are needed to show that you're more than talk.

Sounds rough in Thailand.

My Thai friend told me there's some big scandal there where the king had no sons and his only male grandchild is mentally incapable or something and if he dies without a male heir there will be chaos?

Yeah that's actually a known thing with addiction and videogames, they are often ideal candidates as "substitutes" for other worse addictions.

Recently i told someone "ffxi is worse than drugs, cause at least you know drugs are dangerous and your body notices their toxicity eventually, while ffxi is a much more subtle and underestimated drug/addiction" (gaming in general i guess, but ffxi design keepin ppl subbed forever doesn't help its case)

I never went homeless BECAUSE of ffxi specifically, but there has been a time like 7/8 years ago when i was barely 20, where i've been subbed while being homeless... (For 2-3 months) Nothing like getting PL'd by an homeless merc playing within an occupied/squatted building in London lol. Tough but good times/memories.

When i was 17 my best friend at the time gifted me FFXI online without even knowing nothing about it, he only knew i did play all FF games religiously except XI, so he thought he was doing a nice thing by gifting it to me...
Fast forward more than 10 years later, after more than 1 year of overall in game playtime, i would lie if i said i've never wondered how my life could have been if I never got ffxi gifted in the first place...oh gawd, it's too late anyway.

Interpersonal skill is important, for sure. But I think you need one more thing if you want to climb up on the social hierarchy. That is understanding of underlying logic on how things work. That is more of an analyze skill than communication.

You can have the best persuasion skill in the world, but it doesn't help if you picked the wrong side or get involved on the wrong time. Knowing when to enter the market, when to leave. Figuring out what resources you have in your hand when you negotiate and what other people want. Knowing which government official/manager/political faction to side with is the tricky part. Failed in any of those decision above and communication skill aren't going to save you. And those all requires logic and analyzing skills.

You know why rich people can get their wealth confiscated? They picked the wrong side when they pick their political ally, or they didn't flee fast enough when things went wrong, that's why.

Akin to how the Humes built Bastok? (Using Galkas.)

People just do not understand success and how generational wealth works.

It's incredibly rare to go from zero to billionaire in a single generation, not impossible but not common. Instead the each successive generation builds a better life and platform to provide more opportunity for their children. This is how life works and that desire to make a better life for their children is the incentive parents have to work hard and make sacrifices.

Today social media has brainwashed people into being envious monsters hating anyone who's live even appears better then their own. Social media is all an illusion carefully made to sell people products without them knowing they are being sold to.

I lurk the forums still but I can chime in, when I got out of the military I played 11 alot, didn't really feel like doing much with life, almost went homeless, still played 11 had some kids, my family was ***and states away did not have any wealth, but I wised up and opened my own business and been ok since, i think about coming back every so often (how I got here today lol) but my company keeps me grounded so I just lurk.

Out of high school I delivered pizza 2 nights a week and gamed the rest of my free time. It was enough money to pay rent / internet / car insurance. I got free food from Dominoes. My cars transmission blew up and I couldn't afford to fix it. I tried picking up more hours and riding my bike to work, I got demoted to line cook. Then my rent got raised. By 22 I was months from Homeless. Thankfully my parents lived nearby. I quit gaming and 6 years later I became a professional athlete and had 0 interest in games. By 2012 I came back to FFXI as a casual. Also WoW. My wife was a closet gamer and I found out after we got married. I currently do not play FFXI but still check forums. I play WoW classic and Path of Exile mostly.

Can confirm people are going homeless from playing FFXI. Still playing it when they're on the streets.