Mart 14, 2026
40 yaşında işsiz zavallı
Herkese merhaba. Onlarca yıldır sosyal medya kullanmıyorum. Devam edip geleceğim hakkında tavsiye almak istedim.
40 yaşındayım. Lisans diplomamı 21-22 yaşlarında aldım, ki bu açıkça 2008’deki durgunluk civarındaydı. Artık hangi bölümü okuduğumu ya da diplomamın nerede olduğunu hatırlamıyorum. Dışarı atmış olabiliriz. Mesele şu ki, ne o zaman ne de o zamandan beri herhangi bir kariyer alanına giremedim. 2012, 2013 yıllarında iş başvurularından vazgeçtim. Dünyanın bana ihtiyacı yoktu.
Üniversiteyi bitirdikten sonra duvarda ekonominin, toplumun benim ömrüm içinde çökmeye mahkum olduğu yazısını gördüm. Yoksulluk maaşıyla perakende bir işe girdim ve babamla birlikte 2015 yılında ev kredisini ödemeyi bitirdik. Planlanandan 13 yıl önce.
Bundan sonra büyük bir masrafımız olmadı. Babam ve ben birlikte, nakit olarak yaklaşık 2 milyonluk bir yuva yumurtası oluşturduk ve mümkün olan her kuruşu biriktirdik. Hisse senetleriyle uğraşmadık, kapitalizm denen adil olmayan oyunu oynamayı reddediyoruz.
Babam birkaç ay önce işinden ayrıldı ve artık evin tek gelir sağlayıcısı benim. 2030’dan önce perakende işimi bırakacağım, oluşturduğumuz yuva yumurtası hayatımızın geri kalanına yetecek ve eğer aptalca bir şey yapmazsak, bir kısmı da ömrümüzün sonuna kadar dayanacak.
Şimdi ne yapacağımı bilmiyorum. Geleceğim çoktan gitti. Tamir edilemeyecek şekilde tahrip edildi. Artık herhangi bir kariyer alanına giremeyecek kadar yaşlıyım.
Çocuk sahibi olmak istiyordum ama bu artık boş bir hayal. Tek başıma olsaydım bırakın aile kurmayı, kendimi geçindiremezdim. Zaten hiç bir ilişkim olmadı, heh.
Geleceğim, üzerinde düşündükçe daha da ıssız ve kısır görünüyor. Heyecan yok, yeni deneyimler yok, yeni anılar yok, neşe yok, hiçbir şey yok. Sadece yalnızlık, üzüntü ve hayatta kalma çaresizliği.
İşimden ayrıldığımda günlerim, haftalarım, aylarım ve yıllarımı ne yapacağımı bilmiyorum. Annem ve babam neredeyse emeklilik yaşına geldiler, ben değilim.
Belki birkaç on yıl daha onlara sahip olacağım. Onlar öldükten sonra… Yalnız kalacağım. Ben tek çocuğum. Yakın aile yok. Arkadaş yok. O zaman ne yapacağımı bilmiyorum. Ayda bir market alışverişine mi çıkıyorsunuz, uyanık olduğunuz her saniye mobil oyunlar mı oynuyorsunuz?
Bilmiyorum. Böyle yaşayabilir miyim bilmiyorum…
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You have a home. A paid off house. $2mil in savings. Quite honestly, you have every opportunity ahead of you that you are willing to work for. – I too suffer from believing in my own demise and living a waking (wasting) death. The important thing to know here is that compounded actions build the beliefs we have of our worlds. And the beliefs we have influence what we can work towards. What we work towards consistently doesn’t guarantee an outcome but it does make it more likely with each passing day.
This is interesting like, you’ve got 2mil and could retire by 44, but your future is destroyed? Do you mean because you didn’t do anything more with that last 20 years than retail? Bc you can do almost anything now. Kids is a trickier one but you haven’t kind of passed the biological age where that’s totally impossible yet. And even if you haven’t had a relationship yet you could soon. Probably don’t go advertising your millions to partners or they’ll try and steal it / murder you for the life insurance JOKING. I think there’s a lot you can do. Is your health okay?
First, congratulations on having substantial savings, and please ignore any investment advice you get via DM as it might be disingenuous and a way to con you out of that money.
Second, I strongly recommend finding some regular hobbies that you enjoy – and they don’t have to be paid. If they are, that’s great, but at this point you need something healthy to do with your time.
And from your post, playing video games isn’t going to be enough. I strongly recommend starting some hobbies that get you out of the house and interacting with people regularly, especially since you are wondering what to do with your time.
You are not a loser. You are in the enviable position of being able to choose what you want to do with your time. Please don’t waste that spiraling into capitalism induced depression by calling yourself an unemployed loser.
It’s hard to give you specific advice without knowing more about your situation. But nature absolutely can be restorative. Maybe find an Audubon club where you are. I volunteer at my local Aquarium every week. Go painting, write novels…
You are in a position a lot of people would kill for. Please take advantage of it and don’t waste it by spiraling into depression over your employment status.
Sounds like you’re set financially. You’re in a unique situation for sure, but you’re still young. Clearly you know jow to get by on much less than others, so keep doing that. Find a nice partner to hang out with, probably wouldn’t recommend kids, but you could join a big brothers/big sisters program and help out a younger generation that needs it. Sounds like you might have a lot of wisdom or at least lived experience to share. Keep your head up. I have a six figure job and hardly any savings, don’t own a home, I’m barely younger than you, I won’t retire until I’m 70, and I can’t have kids either.
Also, if you invest that 2 million, you can use the 4% rule, which (theoretically) means you can pull 4% of your investment to spend every year and not dip below your initial investment. That’s 80k a year on top of your income. Look in to it at least.
Go pay someone $100 to slap you in the face and tell you stop being such a whinny baby. Boo-freaking-hoo…there are people being trafficked all over the world and people who can’t find anything to eat. Your problem is you and as soon as you take accountability for your future and your life, things will turn around.
1. Start exercising. Hard. Go in public. Every day. Interact with someone – anyone. Walk or run – 5 miles.
2. You have money – that doesn’t really matter, you don’t have a “why.” You need to find a mission – something greater than yourself. It’s not a career. In your case, it’s not a family – right now. So get involved in a charity. A political organization. A religious organization. A civic group. Something bigger than you.
I’d love to be in your situation. I’d get back into painting and maybe do night classes, volunteering and the like if I didn’t have to work anymore and have the savings you have!
Why is having kids a pipe dream? You could actually be a solid SAHD and have a wife who works, many women like that arrangement.
I don’t believe anything you say is true because there are some glaring problems with your post. For one, where are you keeping the $2 million in cash? You can’t keep $2 million in a FDIC insured bank account. But let’s say I’m wrong, and you’ve figured out a way to do it, so I’ll play devil’s advocate. I come from a wealthy family and grew up being taught about wealth management. If someone has $2 million in cash they’re not spending any of of it. They are investing it into a safe investment and living off the passive income it generates. I know you’re against investing but that is how wealthy people protect their future. $2 million can generate around $80k/year for the rest of your life without spending the principal (which is $2 million). I strongly encourage you to make an appointment with a financial planner or wealth manager (my family uses RBC Wealth Management). They can talk to you about your financial goals, run simulations and explain to you how safe investing works.