/biz/ - Business & Finance

>>28767551
POST IT
THE SMUG PEPE FATTIE

yes

For a lot of history most people were some sort of serf or peasant. Basically human cattle. It only makes sense normies like to live a life of debt slavery.

>>28767606
Got you covered

>>28767551
Emergency fund should be the first step.

>>28767865
FUGG THIS ONE MAKES ME FEEL SO GOOD

>>28767551
Because the whole system is built on people making irracional decisions. Especially women, who account for 85% of the fast-consumption market. "OMG ! i know i just bought a phone on credit last week, but this new phone has a x-thingy, i NEED to buy it ". As George Carlin said, spending money we don't have on shit we don't need. The whole fucking system depends on it.

>>28767865
this ones been edited to fucking SHIT godam LMAO

>>28767865
He always makes me feel comfy lads

>>28767551
Funny thing is no one forced anyone to get student loans, yet these retards want their debts forgiven.

>dumps life savings on Indian made ponzi scams
Gee, I truly wonder why. Survivor bias, retards.

Even tho if you enjoy normie life and enjoy working, why would you want to accumulate money anyway? Bigger house ot bigger car when you’re 50 years old? No thanks. They’ll rather go to vacation trip today.

>owning a vehicle
>literally just go on Cragslist and find one for $1,000
Fuck I fucking FUCKING hate how financially illiterate/vain people are

>>28767551
>medical debt
Fucking americans lmao.

>>28768207
On average women make less but become millionaires younger than men.
Sorry if reality upsets your persecution complex.

>>28767551
Pfft, americans

>"hello future student, would you like to take out this loan?"
>yes
>"you have to pay it back someday"
>nooOOOooOooOOOOooo thats literally unfair

I hate normalfags so much I cant even describe it, so if they want to stay poor Im not getting in their way

>>28767865
>>28767551
Get in

>>28768414
What about security? How much btc for your life?

>>28768460
Thanks for that perspective, I guess I no longer need to tip baristas and waitresses since they are all so well off

>>28768255
shit is hilarious

>>28768460
Yeah they marry a rich guy and divorce him to become millionaires.

>>28767551
Why is Emergency fund not step 1.

>He fell for the student loan Jew, feels good to be a ausfag with loans capped at inflation.

>>28768567
I'm not talking about life savings retard I'm talkig about how people think owning a car is some massive endeavour

>>28768563
upgraded

>>28768460
>well yes women make less
>but hey they at least theu become millionaires faster than men
I should sell pics of my vagina too.

>>28768460
Stop projecting. The vast majority of wealthy women got their money through marriage. Even that Bumble thing, she married a oil tycoon, then set up the app. The majority of advertising is geared towards women, because women make more emotionally-based decisions. It is what it is.

I don't know about America, but where I'm from the heavy catholic heritage where the most miserable piece of shit will be the most virtuous and the state of mind of relating any kind of wealth to being a bad person. Also the current nanny state.
I saw a poll from a couple of weeks ago that over 70% of the population in my country believe that the state should provide basic services for every person. Also some people I know irl have literally less than a thousand bucks on their bank account and only think about partying.

.

>>28768701
You talk about taking a 1000$ car on craiglist. This shit car will get you killed on your fist serious accident. You're the retard for being a jew about a life or death choice

>>28769102
You don't know the first thing about cars you stupid faggot

>>28768460
This sounds like a completely made up statistic, or one that considers onlyfans whores to be people.

>>28767865
WOW, can you upload a YouTube tutorial how you made this wonderful piece of art?

>>28769140
Btc coffin for the jew here

Bcs normies wanna show off and portray the image of being this rich person that they are not. I used to work for Benz selling cars I couldn’t tell u how many normie bought a Benz to show off or get girls knowing very well that he can’t make those payments or that he has to live with mommy or roommates to be able to afford those payments. Normies are just retarded . They really are

>>28769408
Sad. I'll drive my 2001 subaru shitbox until the day it does. So far it has cost me about $300 a year (including the price). I maintain it myself. inb4 poor I have a 260k portfolio

>>28768460
>noooooo we need more women in stem, we need MORE scholarship MORE women as CEO MOREEEEE EQUALITYYYYY (gender wage gap toooo)
after they get all these because of affirmative ACTION
>well yes, DATA suggest that women graduate more, and get to CEO positions, and higher positions faster than men and make more money than MEN it PROVES that women are smarter than men. its just science sweetie.
don't be deceptive anon, this is biz, we remember shit.

wow see that hype around bot ocean in twi????
> who uses it? any comments or reviews?
try to discover new tools and algorithms for ez trading with dex
see this - tell what u think

I drive a car I bought for $700 I have had the same car for 5 years. True story

>>28767551
subtle ftfy

>>28768629
i ONLY tip ugly people.
the rest of them can get other people "sympathy" for their personality and GREAT smile.

>>28769394
Lol scaredcuck

>>28768731
kek

>>28767551
Because the temptations of spending your money will always be there. Car and a home sounds very nice but you'll do far better if you hold off.

The truth is most good looking sexy women get promoted a lot faster than men and fat chicks bcs they just flirt with pervert managers or they pay their way up through bjs and sex. True story

>>28767780
I now get why they call us crackers.
I always thought it had something to do with cheese and crackers.

>>28767551
Because they buy avocados and funko pops instead of buying a house.

>>28769394
this, don't drive any shitboxes from the 90s.
Pick anything with a low death rate
https://www.iihs.org/ratings/driver-death-rates-by-make-and-model

>>28769088
lmao

>>28769102
Depends what you're buying. But since you're obviously an angry retard who thinks he needs a $60,000 Staceywagon to be "safe", I won't bother explaining it.

>>28768456
lmaooooo

As retarded some of the crypto boyz are . There IQ is still 100 times higher than normies . U meet a crypto boy who is a millionaire and he will be awkward but he be humble and very down to earth but u meet a normy who makes 100k a year and u will be for a lot of show offs thinking that he is better than everyone else looking down on poor people.

>>28768207
Yup, behavioural economics.

>>28769708
kek underrated

>>28769890
Only for him to see him $60,000 Subaru wagon worth $500 in 2 years kekekekkee

>>28769925
you type like a retarded tranny

>>28769925
>boyz
>there
>U
>normy

>>28770163
>28769925 #
Bcs I’m retarded brainlet fag

>>28769708
Keked

>>28769708
Whats the difference

>>28770198
>15/21(Mon)07:22
What do u think this is? A composition class? What a brainlet fag

>>28767551
Why the fuck is "buying a vehicle" so ginormous? Even illegal beaners have cars to zoom around wtf.

>>28770339
Chick's top

>>28769708
jej

>>28770427
Bcs mechanics are a rip off and bcs associate cars to status. They think driving a nice car will make them look successful

>>28770339
girl is wearing tranny colors sweater
>>28770427
I don't know. I bought my first car for $5,500

>>28769485
2000 Honda Civic checking in and I just hit 7 figures. I also live in a modest house in a middle class area. I got a lot of this money by living within my means and not wasting it on car payments and fancy stuff. I should have enough to retire early within the next few years because I didn't waste my money on being living an extravagant lifestyle. WGMI.

Because they listen to the boomers for who it was actually financially viable to do this shit. The economics have changed yet the expectations haven't and normies live according to these expectations until they literally can't

After my first car got effectively totaled I made a huge retard mistake and bought a car for $26k and put $14k down. I wish I never did that.

Banks keep telling normies that their income to debt ratio should stay at 35% or under while it should be 10% really

>>28770549
2013 Ford Fiesta driver here. I pay 150€ a month for a single room appartment and also hit 7 figures this week. I already stopped working and have enough in cash to do what I want for the next 2 years, I'll be really surprised if I don't have fuck you money this year. We already made it brother.

>>28769102
>only option is a brand new car or a beat up shitbox that will cost you more trouble than its worth.
Anon there is a middle ground lmao

>>28770638
If I was to combine what I have paid for every car I bought It still wouldn’t add up to 14 k but it’s one the things where u just gotta learn from ur mistakes and move on

>>28770427
I think that the idea is that it's the first big hurdle that you have to overcome if you want to be successful in the US by any real traditional means. If you have a job and you have no money, those payments are pretty harsh. Though if you don't have access to a car then you have trouble getting a job in a lot of places.

Oh and also with financed cars you have to carry a full coverage insurance which is another rip off. Bruhhhhhhhhhh

>>28768471
Yeh but the cost of school is way up while the utility of a degree is way down.
meanwhile its pushed as the only option all through highschool. Normie's have no resistance to the propoganda

Post make it cars

>>28769102
I have a used 2010 Toyota corolla and its extremely reliable. Cost ~8k, had it for ~4 years already, spent maybe 1k in maintenance including tires and fixing a minor accident

>>28770742
I'm planning on working for the next 4 or so years to accumulate a little more liquid cash and then I'm going to retire somewhere warm. I'll probably get a slightly newer beater to drive at some point but nothing too crazy. Getting out of the rat race is its own reward.

>>28769708

>>28771045
Bought one of these for 4k about 5 years ago. Never breaks and does everything I need. Hondas till you make it. Then lambo.

>>28771211
>lambo meme
I'm staying a social poorfag for as long as I live, even after making it
Showing off money is way more trouble than it's worth

>>28767551
Loser victim woe is me mentally. They are cucks abs pussies. Don’t deserve anything but death in Minecraft.

I drive a 15yo Peugeot 206 and I hit 1M euros in crypto last week. There is no point in displaying wealth if it only attracts gold diggers.

>>28768460

Show me a study with the same N sample of men and women that can prove women become millionaires more early. Not just a sample of women who divorce rape or who are prostitutes, but a sample of women from all sectors in the country.

>>28770797
Yeah I mean I'm still making it but $14k would have been another whole bitcoin back in like september/october

>>28771277
It doesn't mean you can't have nice things for yourself. If you are a car guy there's nothing wrong with buying a fun car that you've always wanted. Doesn't mean you have to buy the most expensive one, but the point still stands.

>>28771277
This guy gets it. I'm 28 and worth a humble 600k. I drive an old as fuck Camry and shop at Walmart. My first house on a 80k/year job was 50k and paid off in 18 months. Living below your means is a habit successful people have.

>>28771335
Here’s an N sample for you: NIGGER

>>28771264
DESU I'm the same. If I want to drive a lambo I will go to a track day and rent one. I will have a second hand carr no matter the millions. A small comfy rural cottage with some outbuildings and a bit of land. I don't want much. Maybe a dog.

>>28768460
Please talk to a therapist

>>28767551
Imagine paying off debt with these interest rates

>>28767551
>starting a family before home ownership
>starting a business before paying off all debt
>starting a family before paying off debt
>emergency fund after buying a car, starting a family, home ownership, starting a business, AND paying off debt
Jesus fucking Christ

>catching up with an old school friend
>only just moved out of his parents' home last week at 27 years old
>Despite having never had to pay for rent, bills, or food she needed six months to save up enough for a deposit for the first month's rent because she has never saved a single penny in her entire life
>received a tax rebate and immediately spent the entire sum in a holiday to Portugal
>"it was money I never knew I had so it was basically a few holiday, anon"

Normies are so bad with money, why are they like this?

>>28770427
Because if you aren't a beaner you need insurance and that's HARD UwU

>>28768460
Go back to plebbit dumb nigger

>>28768460
>majority of people's net worth is tied to their home
>majority of home owners are married couples
>majority of wives are younger than husbands
>husbands earn more on average and therefore pay for more of the home
>the home's value is still shared equally
WOW WHO WOULDA GUESSED WOMEN BECOME "MILLIONAIRES" FASTER

>>28768471
Student loans literally mean nothing here in the UK. You pay it back in tiny increments, it doesn’t affect your credit score and it gets written off after 30 years. There is very little point when the majority of students will never pay back the whole thing and are not even required to do so.

>>28771045
>car
>making it

Why are you retards caring about shitty finanical decisions that the cattle make? We need them to make these awful decisions so that we can profit bigly from them.

Don't cry for the cow as you eat the steak.

>>28771264
Same. We were pretty poor growing up and and I don't really relate to wealthy people anyway. I live in a blue collar neighborhood now, it's comfy. My neighbors don't know I'm wealthy, they just know I do "something with computers" and that I like to work on my yard a lot and that there's always beer in my garage fridge and a spare lawn chair to pull up if they want. I can't imagine living any other way.

>>28768460
I don't know if this is even true, but let's assume it is.
Women who are likely to become millionaires are doing it by entertaining (singing, acting, modeling, etc). To be marketable as a woman you have to be young and attractive, hence woman who 'make it' are going to be younger because they are doing it on their looks versus men who on average are doing it via their business talents.

>>28767551

(((They))) love this kind of picture.
It's the debt's fault!!
Just chase money and ignore the evaporating purchasing power of it GOY.

>>28771720
Because they have no concept of delayed gratification or impulse control. Especially true for niggers

>>28772124
>who on average are doing it via their business talents
Spoken like a true businessman.

>>28771707
I was thinking the same thing, this cartoon is a unintentional parody of the Millennial mindset will keep them poor even after Daddy Biden forgives their student loans.

>>28772301
Go back

>>28767551
Just walk up the side of the hill, no stairs there.

>>28770742
How old are you anon?

I'm 31, hoping to get into 6 figures this bull run. I won't make it till the next one so I'm guessing mid 30s. Its quite upsetting having to wage slave for another few years really but I guess it would still be relatively young to get out of the rat race.

I wonder how many kiddies in this thread have all their income from trustfunds and never worked a day in their life

>>28772059
t. jew

>>28768414
I'm already making it. Why would I want to subject myself to driving another shitbox?
what the fuck is the point of living if you cant occasionally enjoy nice things?
Kill yourself, you'll probably make everyone around you happier.

>>28772643
>trustafarians
>hanging out on /biz/
I'm going to guess none

>>28767551
Because they want their conveniences and are weak-willed against kike money schemes like Netflix, iphones, and Starbucks.

>>28772931
>netflix, iphones, and starbucks are keeping you poor
lol

was there ever another time in history where you start out day one of your adult life with essentially a lifetime amount of debt already tacked on? now you have lunch debt, student debt, rent, etc. You could literally work your entire life at the median wage and never pay it off.

>>28773277
what the fuck is 'lunch debt'

>>28770427
spics buy early 2000s chevy suburbans and mercury mercury mountaineers for $4000 cash from their eses that run chop shops and drive it around with no registration or insurance.

whites buy $1 of car for every $1 of wage earnings per year, financed at 5-15% through a dealership, and pay $150/month for full coverage insurance.

Idc if anyone laughs at me being late or poorfag investments but I payed off my 4k debt with the last $400 of maxxing out my cc.

>>28773277
>lunch debt
Whut?
>rent
Not a debt, nor unique to 21st century life
>student loans
Not mandatory, you don't need to go to college to develop a high earning potential.

>>28768471
>college is worth 60000 dollary doos

>>28773435
>>28773654

In the US, in certain areas where they cut off funding/aid, in high school if you can't pay for your lunch then you accumulate lunch debt which you have to pay off when you graduate.

>>28773520
Good. You're on the track to be not a cattle. You'll be able to eat steak with rest of us.

>>28773520
You know the APR on your credit card is much higher than your other debt right? You just replaced your debt with another debt with a higher interest rate. Most people would get a personal loan to pay off a credit card debt not the other way around kek

>>28773654

rent is debt, and its worse than even unsecured debt, because its asset denominated (you are borrowing an appreciating house instead of depreciating money)

>>28772270
You have no idea what I would pay for such a foursome.

>>28767551
>student loan debt
>medical debt
>starting by buy overpriced new cars

>>28773715
Imagine having kids and not being able to feed them a child tier lunch which is basically a peanut butter and jelly sandwhich and a small bag of chips.

>>28767551
Based on people I've interviewed, known, and met, I have a theory that money and wealth are philosophical signs of responsibility. Money, symbolically, basically is responsibility. So some people chase away responsibility because it's scary and they don't want to be held account to something.

A big reason I've been holding onto this is the fact that the same people who can't handle money also are arrogant and cannot submit to ideas or conversations. They are unable to take a submissive role in anything. I think it's a sign of insecurity. It's like someone buying a Dodge RAM truck because they have a small dick. Chase away responsibility because they're a beta-species who doesn't wanna seem weak by failing.

>>28768414
My thoughts exactly, from this graphic they make it seem like buying a car is a bigger hurdle than home ownership

>>28773785
Paying for a service is not debt in the same way car insurance or bus tickets aren't debt. Even if it were how is it any different to the housing situation at any other point in civilised history?

>>28773934
>Based on people I've interviewed
Jesus christ what a fucking autist.
You probably say stupid shit like this to people all the time and then think you're the smart one because they give you a look of confusion that you stupidly misinterpret as them not understanding what you're saying.

>>28774175
if you sign a lease it is debt.

>>28774258
I'm a hiring manager

>>28768460
single women make more than single men. Employers in many industries are very open about preferring women over men.
When you say "women make less than men" thats because when women get married and have kids they'll put the kids before their career, thus the total average for women drops.

>>28767551
>stairs lead to a home
>home ownership is step 3
This is amazingly retarded.

>>28773757
I'm aware. I just don't trust most personal loans and the shady people that come with it. Its less common to do in my country.

>>28773069
Unironically yes
Poor choices keep people poor.
>Should I learn a new trade or buy a new phone
>should I waste my time bingewatching a racemixing show on netflix or do something productive
While I causaly make my fiances salary on trading with my phone she watches instagram. 20-30 minutes a day

>>28768460
hahahha

>>28774607
>I just don't trust most personal loans and the shady people that come with it
By shady people you mean banks? The same people who issued your credit card?

>>28774175

An asset is not a service.

>>28773934
Any theory that involves talking about what something means "symbolically" is objectively retarded and uses figurative language to insist on itself rather than relying on evidence.

>It's like someone buying a Dodge RAM truck because they have a small dick.
What a garbage analogy holy fuck this is exactly what I'm talking about

>>28770427
Retards anon
>t.Bought a 2005 Getz for £200 and has only needed a set of plug leads, fuel, a pittance on tax and learners insurance
>>28770491
Big brand mechs and main stealers are the rip offs, get yourself a local independent who accepts booze as payment
>>28770624
This it true of all economics and why the US and by extension the world went off gold in the 70’s

>>28774607
Dude he means get a Line of Credit. They’re usually like half the interest rate of a credit card at most

>>28772059
Based and jew pilled

>>28775530
>>t.Bought a 2005 Getz for £200 and has only needed a set of plug leads, fuel, a pittance on tax and learners insurance
holy fucking BASED anon, epic.
protip that has been expressed here: what you're doing is unironically millionaire behaviour.

>>28774175
Car insurance (prepaid) and a bus ticket are assets. Rent is a liability you accrue every month in perpetuity for as long as you remain a rentcuck

>>28769102
Lmao you are a fucking cunt

>>28769812
it does, niggers are lactose intolerant; only the white man can stomach cheese

>>28768414
>$1000

If you dont drive alot of your commute is short, then sure. If not you shouldn't be purchasing a vehicle under 6k, and it should not be anything other than a Civic or Corolla.

>>28767865
needs a ben garrison signature

>>28776292
Why not? Give me one reason not to, you faggot. And don't call me poor, I'm in 6 figure hell - I know people in 4 figure purgatory who own $20k cars. The point is that you can find something absolutely decent for next to nothing and there's no reason not to. You can find fuel efficient and safe cars for low prices. My Subaru Forester cost be two grand and it's safe, reliable, and it takes me everywhere I need to go. I can even do light offroading with it when I go camping. This is how you make it.

>>28776186
Everyone is lactose intolerant to some extent because adults are not meant to drink dairy– it literally rots/curdles inside your stomach before being digested. It's also associated with infantile or immature psychological development.

>>28776292
There are other cars as well, Scotty.
>>28776467
>Subaru Forester
what year?

>>28767551
>normies
“Normies” as you call them are better with their $$ than most of the millennials/zoomers I’ve met in my life.

>>28776542
2003. Have had it for 3 years and I service it myself, it's in great condition. I've travelled all across the country with it.

>>28776467
I'm with you. Car was $4,000 and I drive with to work (wfh currently though) and to get groceries and such. If need to do long distance drives, which is rarely I'll rent a car. Have spent maybe $2000ish on maintenance in 5 years. The more you spend, the more you piss away on depreciation.

>starting a family
>2nd
there’s your why faggot

>>28767551

>>28776292
Don’t drive a Toyota if you live in Canada, Toyota may make engines that go forever but the bodies don’t do well in winter conditions and road salt.

Hhmmm i can't put my hands together on it or nose it out, but I feel that something is missing on top of that stair, like above the house?

>>28767865
kek

>>28772270
Imagine the smell.

>>28768563
Fag

>>28776832
kek

>>28772270
this picture raised my heartrate

>>28769102
Jesus it's so easy to sell junk to some people.

>>28773934
Based on my anecdotal encounters I find this to be very true, thanks for giving me a way to express it.

>>28775465
lol somebody has a Dodge RAM, I bet you're girlfriend told you your dick is the biggest she's ever seen

>>28769088
it's 2021 and there are still cripple bagholders waiting for ODL to be turned on

I mean just look at the order of the steps and its pretty clear why.

Who the fuck buys a car before clearing their debt? Or before having an emergency fund? Why is having nice vacations or doing luxury dining even a step in the first place? Why do you wish to start a family before having everything set in order?

>>28772059
jew but based

>>28772270
dang i want to bury my face is their crotch

>>28768207
>this

A girl I met once already had 20K+ in student loans after her bachelors. She then decided to go to law school, taking out another $300k in loans. After a year of commuting from home to school, she decided to take out another $100k so she could move into an apartment with her bf for her final two years of school. My ex told me she was that person who would use her student loans to get the newest iphone/have it replaced when she ultimately broke it in 3 months time. This was someone who was smart enough to have got a partial scholarship for her undergrad and got accepted to one of the better law schools in the country, but so financially illiterate that she fucked herself financially for the next 30 years.

If you're going to creditmaxx boyos, always do it with unsecured loans. Read up on the bankruptcy laws and how long you'll be on the hook for. If everything checks out, run up the cards as high as you can and spend a few years in SE Asia or South America. You can live like a pleb king with more than enough money to hold you over until creditors have forgiven your debt.

>>28769102
>first serious accident
Have you tried not driving like an idiot?

>>28767551
I grew up poor, and a lot of self exploration made me realize I spent money quickly because I felt that I wouldn't have it for long. Took a lot of reprogramming to get out of the habit and accumulate instead