/biz/ - Business & Finance

>>28341016
I actually like black people and really anybody on an individual basis but as a community they're fucked, man. No one can argue that, they can only come up with pedantic excuses for it that usually amount to victim blaming.

>>28341066
Debt isn't such a big deal as long as you keep your interest as low as possible. Always pay more than you're asked and wipe it out asap. I've lived lean my entire life, my lifestyle wouldn't really change even if I made quite a bit more money than I do now. If you feel like you need to buy a new computer every six months it's maybe not for you.

Most people are stupid, anon. I love my dad and I hold him in high esteem but he's a retard in a lot of ways. He spends roughly $1,500 a MONTH on a combination of beer, cigarettes and marijuana. He bought a modest house for $90,000 30 years ago-and can you guess what he owes on it now? $46,000! He's paid probably close to $200,000 to reduce his loan's principal by $44,000.

He's made nothing but minimum payments that entire time, and I think he took out a second mortgage to buy snowmobiles or do something similarly stupid. If he would have even paid $100 a month more towards the house he would have paid it off years ago, let alone $500-1000. Don't be a retard and you could have generational wealth easily. Spend your money and have fun responsibly, if you consume like a junkie every day of your life like a dumb boomer jackass you'll end up with nothing.

It's literally good goy points. Can (((they))) trust you with their money? Yes? Then you get preferable interest rates. Buy a house, start a business, whatever you want, baby-you're proven to be an asset. Are you an n-word that can't make his minimum payments responsibly? You get bad interest rates and many banks won't loan to you at all.

>>20257727
stfu + kys, credit is based