/biz/ - Business & Finance

I sometimes wonder how may morons I work with are in similar situations.

>>49812988
it's easy to guess, just look at the ones that you know are on similar or lower salaries but are driving brand new top of the line luxury vehicles

>>49812903
>be a frugal guy
>only debt is a mortgage with 12 years left
>financed half of the home with cash, sub-1% interest rate
>dollar cost average into index funds
>drive a used shitbox Suzuki
>my living expenses are vastly below my income

Yet I get no rewards. No one bails me out because I don't need it. Meanwhile guys balls deep in debt take their muscle cars to fuck Stacies who rotate their wardrobe once a week thanks to credit card debt. And when their untenable lifestyle collapses, they whine and cry.

How can I fuck them over?

>>49813113
sell the house
debtmax
flee the country
stop paying taxes

>>49813113
If you think the literal redditor in OP’s picture was getting any pussy, you’re severely mistaken.

>>49812903
>£230 insurance per month

>>49813253
how is this possible? I only pay £400 a year

why the fuck do retards ever mention the pay that is not the take home one? how is that ever relevant?

>>49812988
me too, just how many peopke you drive past day to day, are struggling with car/house repayments.

im comfy driving my shitty car to and from parents with crypto gainz sitting in the bank

>>49813253
American here. I live near Detroit, the highest auto insurance area in the country. I pay $125/month.

>>49813253
LARP alarm for sure, I don't pay that for a year driving a 1.8

>>49812903
>dream car
>15k
>zero expenses
This isn't a normie
This is a basement dweller

>>49812903
>dream car
>$15k
What the fuck is wrong with europoors? Is he driving a lawnmower?

>>49813311
Kek I just checked to be sure since I just autopay this shit. It's $108/month

>>49813349
>>49813366
probably a fucking Miata lmao

>>49813366
15k in europe can get you a really nice new Hyundai i10 bro.

>>49812903
>£230 insurance per month
How, I pay like 400 per year. What is he driving.

>>49813366

>>49813397
I bet its a Cupra or a VW

>>49813397
>>49813366

>>49812903
Lol, I thought I was being irresponsible buying a 2013 E class (90k miles, £6500 sold privately, I can do a lot of the maintenance myself) and I take home 3k a month after taxes.
Also I work remotely so the cost of fuel hasn't bothered me.
I can't believe how stupid people in OPs pic can be.

>>49813419
>535d

jesus christ

>>49813419
>>49813427
what the fuck is wrong with europoors
i dont know whether i should laugh or cry

>>49813419
>>49813427
What a fucking dumbass basement dweller. Can't afford a 15k car with zero expenses and zero rent/mortgage.

>2000 euro a month
>with overtime

Wtf. I make $2000 every two weeks and I'm considered "poor".

Why the hell would you buy a supercar?

>>49813253
UK has insanely high insurance costs, especially if you’re a new driver, male, and young.

When I first passed in my early twenties it was over £1k per year and that was with a £600 polo. Yes, the insurance was £400 more than the price of my car.

>60 month deal

JUST
U
S
T

>>49813511
same but it drops massively if you don't crash in your first year, mine dropped by 60%
it's because 1/3 of all new drivers crash in that first year

>>49813311
>>49813366
>>49813397
>>49813473
Can we ban obese Americans from this board?

>>49812903
>60 miles from work
DUDE JUST LIVE IN THE SUBURBS BRO DON'T BE LIKE THOSE KEKS IN THE CITY WITH THEIR 10 MINUTE PUBLIC TRANSPORT COMMUTE AND NUMEROUS CULTURAL, SPORT, LEISURE, ENTERTAINMENT AND RESTAURANT SPOTS IN WALKING DISTANCE
FOR THE PRICE OF AN UPTOWN STUDIO APARTMENT YOU CAN BUY A HUGE HOUSE IN KARENVILLE, AND INSTEAD OF ANYTHING NOTEWORTHY EVER HAPPENING NEARBY YOU WILL HAVE A GARAGE TO STORE YOUR PELOTON IN AND A HUGE YARD TO PLAY WITH YOUR DOG-SON

>>49813419
Then this knuckledrager should've considered all of this. Why would you buy some three litre engine without like at least 3 years of NCB. Why would you buy a car that does like what 30MPG when you're doing 60 miles daily.

Most of all why would you finance it.

Literally has absolute zero foresight.

>to celebrate getting out of debt i decided to go into debt again

>>49813622
This. Some people just can't handle having money so it's good they end up having none.

>>49813589
DUDE JUST BUY A 1 BEDROOM APARTMENT IN THE CITY FOR €$£ 800,000 WITH NEIGHBOURS ARGUING, MJSIC TILL 5AM, SIRENS AND ETHNIC CRIME. ITS A GREAT PLACE TO RAISE A FAMILY BRO

I will never understand how people who are so poor that they can't afford a 16k car cash, think it's a good idea to finance a fucking bmw.
L FUCKING MAO being poor really is a mindset

>>49813113
>drive a used shitbox Suzuki
Which one? I'm thinking about getting a lightly used Jimny

>>49813278
That's how wagies compare their wagie-points. It's always before tax so they can quote it bigger.

>>49813793
sounds like your problem is not with city living, just with minorities. sorry you have to live in a country where blacks or beaners forced your chud ass to flee from a cultural center built by your ancestors over hundreds of years to some soulless npc suburb.

>>49813520
bongs are a scrounge
>60 months finance for a mid tier german car while working 7 days a week for lmao 2000 bucks a month
>but its my dream car
baka

>>49813824
It's the same mindset as marrying your bags. Bagholders have a dream of making it with their shitcoin, poorfags have a dream of driving a mid-range BMW. Either way neither can react to facts.

>>49813589
>>49813793
DUDE FALSE DICHOTOMIES FUCKING RULE THERE ARE ONLY EVER TWO EXTREMES MIN-MAX 4LIFE BRO TEAM RED OR TEAM GREEN APPLE OR ANDROID WE'RE AT WAR PICK A SIDE HAHA ONE THING ALWAYS GREAT OTHER THING ALWAYS TRASH BUT SERIOUSLY MY STRAWMAN IS RIGHT AND YOURS IS WRONG

>>49812903

Redditors are so stupidm I browsed that sub in the past it's just yards pushing other yards to buy index trackers at the top as we're about to enter the second great recession and take out huge mortgages

>>49813887
Wow an actual Redditor in the wild. YWNBAW

>>49813793
this

whenever i see some dweeb shilling apartments i can guarantee its some redditor who lives in a lily white area or city

no one is making that few working 7/7 in UK
I do more than this working 39 hours per week (5 days a week) in fucking Bulgaria
and I work from home so I don't have ANY car expense

>>49812988
When I worked in the UK the union negotiated a ~10% pay cut for the workers and one pajeet could no longer afford the BMW he just bought

>>49812903
>>49813520
>£550 per month
>for 60 months
>paying £33k for a £15k car
Holy fucking shit how can someone be so financially illiterate.

Also what the fuck is a ‘settlement figure’? Is that a British thing.

>>49812903
>UK
>Lives 60 miles away from work
What the fuck is wrong with this retard? The UK is a tiny country. Move somewhere closer to work.

>>49814250
>does the bank owe you money

goyim, I...

>>49813113
That's how it works, in life it's only the midwits who suffer. If you're high IQ you go your own way, nobody helps you but you win. If you're low IQ, you're cattle and the nanny state takes care of you and feeds you. If you're a midwit, you try to go your own way, fail miserably and nobody helps you and you die. Midwit is the path of tears

>>49814089
kek

>>49814089
he sometimes only works 2 hours a day and considers 6 hours a "long shift"

>>49814314
This is a larp

>>49812903
>when you pass by the retard with a shiny new BMW he'll be paying off for a decade at 15% in a 2010 Ford Fiesta with 200,000Kms on the clock that you bought outright in 2017 for $6,000 cash

>>49814354
no he just has downs syndrome

>>49814089
begone, gypsy

>>49814314
Doesn't sounds like a real job, but in this hypothetical employment how about he works actual 12 hour shifts for two months. Then for 12 hours he'd get paid 24 hour wages.
This would net him something like 6000 pounds per month.
And violà

>>49813427
>dream car
>d

I'm ashamed of being an yuropoor. That and each time I see a convertible or otherwise sporty car that is a diesel, what an abomination.

>>49814393
6,000$ for a 200,000km ford fiesta?
you are the king of the suckers

>pull on my Clarks Beeswax desert boots, black rip-knee slim jeans, my white oxford shirt and cap it off with my green bomber jacket (size medium) from ASOS
>make sure X-Factor semis are set to record on the Sky+HD box before heading out
>lock the door of my 2-bed Barratt New Build behind me
>hop in the 2016 BMW 535d purchased on a finance agreement
>the missus gets in the passenger seat
>set off on our second trip to IKEA in 2 weeks
>have a wander round the aisles
>debate with the missus whether or not the MALM set of drawers we have in the lounge is too obviously from IKEA and if we should be shopping at somewhere like Oak Furniture Land these days instead now we can afford it after her promotion to Assistant Staff Call Co-ordinator at the call centre
>buy a new desk lamp and potted cactus near the end to have something to make the trip worth while
>grab a bag of mini Daims as well for when we're watching X-factor later
>drop the missus off home
>boost into town, pushing 40 in the freshly paved streets of my exclusive barrat estate because I know there's no cameras
>head over to Smithy's barbershop
>get my usual mates-rates weekly skin-tight-to-number-2 fade undercut from Smithster himself
>meet up with Callum and Deano in spoons and sink a few jars over the footie
>head to the toilet and take a snap of my new haircut with my dick out and send it to the 19-year-old I've been texting for the last 3 days
>head home in the car
>stop in at Raj Mahal's Curry House en route
>pick up a Jalfrezzi and a Korma with rice, poppadoms, tub of extra sauce, veggie pakora and a special nan
>get home, sit down with the missus to watch the X-Factor with the feet up
>wait for the missus to go to bed
>crank one out to some overproduced Brazzers porn downloaded on my outdated BitTorrent client, addled with malware
>check my phone; 19-year-old has text me back a picture of her chebs
>forward it to Davo
>head upstairs and slip in beside the missus in our comfy IKEA bed

>>49814432
he said his actual hourly is between £16-£18 with a 35 hour week
that's only £29k-£33k pa, which means his take home is between £26k-£29k, about £2.2k-£2.4k a month
it's basically a minimum wage job but he gets double time which is common for night-shift workers in certain industries.

>>49813113
>shitbox suzuki
enjoy dying in a car crash with 3 tones suv at 50kph
there's nothing wrong with frugality but you won't spend that money when you're dead
get a nice 9yrs old used volvo and be safe

>>49814527
anglos are lower than indian stray dogs i swear

>>49814524
It was 100,000Km/s when I bought it, also AUD. Worth $7,000 now probably with the used car pump.

>>49812903
>lifetime in debt
>finally gets out
>puts himself right back in debt

Deserved it

>>49813113
well for one you'd buy gold right before stagflation.

>>49814584
4,000 EUR for a 100,000 km Ford Fiesta

OH NO NO NO

AHAHAHAHAHAAHHAHAAHAHAHHAHAHAHAHAHAHAHAHAHAHAH

>>49814583
It's 6.10pm. Deano's been queueing on the A76 for over half an hour. He can literally see his house across the ploughed field to his left. He's sure he can see shapes moving in the bedroom window, probably just the gf tidying. He checks his betyid account on his phone, his accumulator is racking up. He's up £14.65 on the championship results, maybe he should cash out. Nah they put that big button there to rob pussies, real legends hold their bets to the bitter end. Besides, that final bet on Mpogbe is guaranteed to come off and he's set to win £420 by 7pm. He turns up the radio as his favourite chart number comes on. He loves this fackin tune and sings his heart out alone in the car, barely keeping up with the lyrics.

He stops singing abruptly as he makes eye contact with a lorry driver and resumes a manly pout. Luckily his shades hide his eyes so nobody can see the shame. Finally he swings round the huge empty roundabout and enters his road. He parks his audi up on the drive, making sure it doesn't grind on the bit of kerb again. cost a fucking bombshell to get that side-trim replaced at the dealership but it looks fucking peng now. Deano still staring at his phone screen, doesn't notice the figures upstairs hurriedly moving about. He opens his pristine PVC double glazed front door unit into his waste of space porch.

His pointy as fuck shoes tread on pizza menus and tv licensing letters. He picks up the tv license letter and thinks he should probably pay it. Deano's tv is so big you could probably see it from at A76 so he'd better be careful. He drops his keys loudly on the side and opens the fridge. Thank fuck! He has a can leftover from the weekend. Still glued to his phone, he shuffles to the back room. The space is bare except for his 65" TV and a large christmas tree that fills half the room. It has 4 baubles on one side as decoration, Deano is proud that he has finally made it.

>>49813419
>>49813427
A
FUCKING
DIESEL
BMW

>>49813336
Dude also uses the pound sign for money but said he drives 60 miles to work. Total larping faggot

>>49814597
And I could sell it today and make a profit after 5 years of driving it into the ground sweetie. :^)

>>49814253
I'm from the UK but I don't understand car finance figure fully because I only ever buy 2nd hand in cash. Settlement figure though i believe is exactly that. I think it's what the dealership quote as what it costs to rid you of the car and the outstanding deano finance.

From what I understand in the UK you have Hire purchase (where one day after many years you will eventually own the car) and PCP where you will never own it unless you pay what they call a balloon payment or something. If you don't they you give the car back and go get a different car. It's for people who like renting a a brand new year model car to look rich and waste loads of money for 2-3 years and they must be returned immaculate or you get charged more and lose some sort of deposit like when renting a house.

>get out of debt for first time in life
>"treat yourself" by taking on new crippling debt
Normies were a mistake

>>49814622
UK uses miles for road distances retard

>>49813534
I avoided this by not driving for 5 years after my test. Checkmate insurers.

>>49814527
>>49814618
Man, that sounds exhausting. Can't wait to let off some steam at Deano's stag do in Prague/Budapest, it's gonna be wild. I heard Kane and Wayne are gonna dress up as Mario and Luigi, and get this: Liam is gonna dress up as Princess Peach even though he's a bloke! Absolute mad lad.

>>49814597
>>49814641
Actually those were the two cheapest ones, let's go more profitable~

>>49812903
It's because they are stupid they are poor.
And it's usually a women behind who eggs all these stupid shit on.
All my colleagues save 10% and spend 90% every month and it's the opposite for me. The only difference, I don't have a women behind me telling me to consoom.

>>49814354
no he's just that stupid. he's convinced his time is worthless, that's why the math comes out to"60+ hours" but only 18 smackers.
his employer is pretty clever though, leveraging psychology to get him to actually work. wouldn't everyone think they were winning if they worked only 8 hours a day, 40 hours a week, but in the book it said they were credited for 150% to twice that? the rest is just fiddling with sliding rates and midwits can't usually unravel those. that's how they end up in unions and we end up stuck with a progressive income tax, and shit like that.

>>49814683
>live in the UK
>between the ages of 22 and 35
>literally the only thing you have to look forward to is taking out a Help to Buy 5% mortgage with the extra chunk the taxpayer slings in from your Help to Buy ISA to buy a paper thin walled new build piece of shit slapped together by a bunch of drunk Polaks
>pair this up with a cheeky PCP deal on an entry level petrol BMW / Audi and a Fiat 500 for your skank call centre team leader girlfriend to park in your tiny unfenced front garden which is 90% driveway cause your garage is too narrow to even fit a car in
>all the houses on your estate are listed as detached but only have half a foot gap between each other
>neighbours are all low level wageslaves who have the fact they all have negative net worths and are massively over leveraged with debt in common
>this is of course except the Affordable Homes section of the estate which is filled with ex-cons, and dole dodgers that leech from the state

My mother just financed an SUV out of the blue because she liked it and "never had anything nice, you know that...". I love her but sometimes I think it would be better for her if she just dropped dead.

>>49814622
we use miles in the UK you fuckwit

>>49814641
that's not a profit that's just how much purchasing power you've lost. the car is worse off, objectively, for having been driven -- yet its price measures to a larger dollar amount despite losing value.
you should meditate on this before becoming an investor. this is important.

>>49813419
Not even a 335i,ngmi

>>49814251
wait hold on, the union negotiated a pay CUT? was the business about to go bankrupt or something?

>>49814817
Wrong, car prices haven't inflated that much it's just a temporary buibble due to basic supply/demand factors. And at $9k~ which most seem to be going for I'll definitely have a profit, sorry bobo.

Not that I will sell it though, it's treated me well, and public transport is shit for hippy greenies and Abos.

>>49814733
frightenengly accurate, although desu can't wait for all these financially illiterate people to freeze this winter so I can buy some houses for cheap

>>49813387
thats nothing special, its the same in the Netherlands atleast
its just that the UK is a shit hole

>>49814879
In soviet bongland, union fights for company!

>>49814817
the increase in the value of 2nd hand cars is not solely attributable to the purchasing power of money falling, retard

>>49813594
ye he's a thick cunt man, some paki's at my work do the same shit and will drive 3 litre audis and spend like 4k on insurance and £200 on fuel a week and then blag my head about why they find it so hard to save lmao. they literally dont have the brain capacity to live cheap they'd rather look cool and be broke

>>49813589

your tendie is ready bugman

>>49814733
>not being left a house by your parents with commercial property and land

Jesus Christ normies make me sick

>>49813253
insurance is insanely high if you're young. once youre over 23 or something it basically halves then halves again

>>49814879
Company was losing money so the union negotiated a pay cut for everyone so the slowest (dark skinned) employees wouldn't get fired

>>49812903
>>49813419
These are the poorfags and turks you see proudly driving around in their 2nd hand BMWs and Mercedes in Europe. Absolutely despicable.

>>49813113
A just life is its own reward
Most of these DEBTMAXX fags are going to be obliterated and you can have your time then

Financing a car is fucking retarded in the first place. Pay cash and get what you can afford only. I've been driving a 2014 Civic I paid $7,000 for nearly new until this very day. Maintenance cost is low as fuck, and the income I'd otherwise be throwing at some financing bullshit with a dealership, the income goes in to maxing out tax-free accounts and then the rest is dumped in to stonks

>>49812903
Since no one has bothered to find a solution.
The guy could sell his car for 15k cash, get a shitbox for 1-2k, which will lower his insurance, road tax and fuel. The savings alone should be able to cover his monthly repayments. But we all know he'll just gamble the money away and end up in the same situation.

>He didn't buy a used PHEV at the low point in 2020 to save on the incoming democratic gas prices.

56 mpg for long distance, 200 "empg" for 23 miles or less.

This thread makes me feel bad that in my country 16k gets you an economy subcompact

>>49812903
Works 7 days a week but only earns £2000 a month? That’s £70 a day!!

>>49812903
funny thing that is literally me

>>49815786
you mean you posted that thread
did you even do an iq test? what was the result?

>>49813793
If you live somewhere like Poland this isn't a problem. You can just live your comfy life in the city.

>>49813397
Fuck you niggerfaggot, 1st gen Miatas are pure kino

>>49813553
Rent free

>>49813589
>>49813793
Who /semi-rural/ here?

>>49814251
Based Union

>>49813113
>sub-1% interest rate
wut

>>49814314
What kind of job has such wacky hours?

>>49816148
I've worked in a restaurant that closed if it was an extra slow day so sometimes that would happen, but that was also a 10 minute walk to work and not a fucking 1 hour drive. If you're commuting to work you'd better make sure you're getting your gas money's worth of pay.

>>49813622
I know a lot of idiots that just rotate debt on items. They buy one thing with debt then save up a bit and load up with cash and buy some other piece of junk they didn't need.

>>49815723
After tax, rent, debts, im making about £18 per day.

Gonna suicide soon. Promised my mom I'd wait until she passed but im one bad conversation away from roping.

>>49816185
That's why you work a trade where company foots the bill by providing a work truck / vehicle.

And drive yours on weekend for leisure

>>49816235
Start living within your means, it's that simple

>>49813113
Fertilizers and a truck

>>49814393
I bought a 10' Corolla with 67k miles for 6800 USD in 2020.

>>49814534
japanese cars are the AK-47s of transportation

>>49816258
No, you dont understand. I live in a bedsit for ex-prisoners, murderers, rapists, immigrants, and the mentally ill. I walk to work. £20 a month on food.

Im at the absolute limit. Paying child support and arrears. Had enough of it all. I self harm constantly and work are like "wow, you should speak to a doctor".

They tried to launch an investigation after my last self harm incident and the woman in charge basically said "you have the right to decline the investigation if you think the company may use the results to get rid of you wink wink"

>>49816335
stop paying your debts, get a job where you're paid in cash, save up, then leave. Go to morocco or some shit.

>>49812903
The shit people try to do with money they don't have.

>>49816417
>stop paying your debts

Its taken out before i see the money. I cant even save to escape to a hut in cambodia. Im not long for this world

>>49814294
Underrated post. Saved for my future children.

>financed a car as a treat
When I feel like splurging I buy a fucking milkshake. What is wrong with people.

>>49813113
>How can I fuck them over?
You just let them destroy themselves. Ultimately the land of the freeeeeeeeee means there is nothing you can do directly against people who live wastefully, except be the guy at the 25 year class reunion everyone else hates because you've become the boomer slum lord for the next generation while most of them are still paying down college debt or single parents.

>>49816446

There's seriously no jobs there that pay under the table? You're importing so many niggers that I seriously doubt that.

>>49812903
>2k a month
>"and that's working a lot of overtime"
where the FUCK does he work?

>>49816522
They are retarded, splurging as a treat should be like getting ice cream or ordering a fuck ton of unhealthy food
For me I go and buy a big jug of fancy, organic lemonade and get some soft serve ice cream

>>49816605
If you are white you can't get those jobs, the shitskins with nothing won't rat out the business owners nor do they even know better
Why would a business owner take the risk when there's plenty of reliable shitskins?

>>49814314
He's a fucking dog walker

>>49812988
All of them.
Honestly the amount of beemers and mercs i see driving around, along with the flashy furniture in their nice area houses, theres no way these people are not leveraged to the eyballs.

>>49816643
in most of europe that's a very good wage
this might be incomprehensible to americans, where they pay $2k/month to rent a pod
here you can get a good house with 600$, maybe 300$ if you live in a low demand area

>>49816717
considering most of europe looks like this, it better be 600 a month to live in this overgrown commie block

>>49813253
I pay like 40 something bucks LMAO

>>49813032
That’s not always the case lots of people also have rich parents/grandparents or trust funds

I felt bad when I bought the capcom humble bundle, a taxi ride and a bacon burger this week.

>>49813113
Lul just retire at 50

Debtfags get to work until they die

>>49812988
It is shocking how many people are this stupid. So many people are in debt from buying useless Chinese crap and going out to eat for every meal.
>I *JUST* got myself out of a whole life lived in debt
See this moron? He seems to understand that debt is generally bad, and that getting out of debt is good, but as soon as he fucking got out of debt his retarded brain thought to itself "I should celebrate getting out of debt by going back into debt".

I find it fascinating. There are so many retarded NPCs that it's almost like nature made Kikes because *someone* has to deceive and take advantage of these morons.
Is it even possible for so many stupid people to exist without another group of people whose existence relies on taking advantage of them.

>>49813925
Not that bad if it's the s&p 500. Financial suicide if it's a European index

>>49816754
UK has literally never been communist what the fuck are you on about

>>49816754
what the fuck is wrong with britishers?

>>49814622
>tell me that you are a complete fucking retard without telling me that you are a complete fucking retard.

>>49813419
>>49813427
/o/ here
L
M
A
O

>>49816856
>taxed on anything I make over 50k at a 52% marginal tax rate (income tax, NIC, student loan plan)
>then with my post-tax wages, I am:
>taxed about £1.5k a year by my local council
>taxed about £400 a year car tax
>taxed 50% VAT+fuel duty when I buy fuel
>taxed 20% VAT on most products I buy
>taxed 2-5% when I buy a house or shares
>taxed 30% when I sell a house and make a gain when it isn't my primary residence
>taxed 30% on any crypto, stocks or other asset gains when I dispose of them

>the UK has never been a communist country commie

>>49812903
>after finally getting myself out of a whole live in debt and went back in debt right away
unironically stopped reading there

>>49814527
BARRAT BUILD GO AWAY
NO DEANO BOX FOR US TODAY

When I had to buy a car to commute to a new job I got a 20 month year with rates well below my take home pay. I wanted an even shorter plan but my mom convinced me to take it easy and allow for some leeway, I can always pay it off early anyway and the difference in total is pretty negligible.

I’m paranoid about debt, I don’t understand people taking on these massive, long loans with crushing rates.

>>49813311
Pretty sure New Orleans is worse.
I live in a comfy suburb outside Minneapolis. Single, 28, no accident history. $38/month

>>49814889
>>49814957
>doubling the money supply every 5-6 years
>its temporary bro
ok kids lol

>>49812903
In january of 2020 I upgraded my house.
Everyone at work told me I was retarded.
Those same people all bought houses 1-2 months ago.

>>49814294
Hasnt got anything to do with being "midwit" most rich people are utter retards but they are born into positions where they basically can not lose. Most people are mediocre and only get lucky. My dad is a millionaire in assets now but he isnt intelligent by any means, not to say that he is dumb, but he just inherited a lot of land and got to build houses on it basically without paying anything for the property itself. These situations are everywhere in life, most rich and well off people are literally just born into their position and avoided to become absolute fuckups, thats all it takes. If youre born poor and youre not a 1/100.000 genius or psychopath grifter youre not going to make "it".

>>49816293
only sensible answer itt

>>49814527
God I’m embarrassed my country is ancestrally linked to that trash filled island

>>49814527
No anglo deano scum would be torrenting nowadays, or ever for that matter.
They also would not care whether or not something looks too Ikea.

>>49818174
Mutts are exactly the same though?

>>49812988
It's common to see 50k trucks on construction sites where dudes will have a net of like 5K per year.

>>49817339
>getting taxed a lot is communist

What about things like private property ownership and a free market? You know like actual economic policies as opposed to memes

>>49812903
>dream car
>£15k
>30 mile commute
>£2,000 month
A true wage slave

>>49818203
Not really. At least not in the Midwest

>>49813032
I work with people who make half of what I make and drive cars twice as expensive

>>49813113
Why do you even care? You sound bitter as fuck.

>>49813278
Because that’s the apples to apples comparison

>>49813419
>>49813427
>used bmw diesel

>>49813520
I always do the longest term on debt so I can get a lower payment then I use that preserves cash flow to make more money and just pay the debt in full early

>>49812988

A lot, if you listen closely people will eventually let numbers slip and you can either estimate what they make or earn.

It was easy to realize a lot of people were happy to take sub 5% raises if it meant job security and an overwhelming majority of people "owned" things that were really just financed with a minimal down payment and not even shopping around on the financing. Just taking whatever they offered.

>>49814393
Got the same, but the car cost me £250. You got done had me lad.

>>49816776
This is just as bad. Those people shouldn't be associating outside their caste.

>>49814641
I have an 08 Lexus IS250 and I am in the same position.
I would never sell, though.

>>49817339
there are less taxes on China, ironically. For example, 99% of Chinese do not pay income taxes

>>49813113
By knowing you're not a debt slave and living the life you want and will be able to pass down wealth to your children.
>>49813207
This. Appearing rich makes a difference, but it's vastly overblown. Largely due to Jewish marketing. And if you do want to "flex" to women, wear nice clothes, much cheaper than a nice car and they care about that way more than a car.

>>49818236
Mutts are infinitely worse, they live like rats

>>49813113
>dollar cost average
what a fucking retard

>>49813387
I'm guessing that doesn't have comprehensive which is required if the car's financed.
I pay $90 for liability plus additional medical/uninsured driver coverage on my shitbox.

>>49820043
It's hard to pay anything when 40% of your peers live below deep poverty line.

>>49813427
AHAHAHAHAHAHAHAHA
A BMW HAHAHAHAHAHA

>>49816059
If the nearby city is growing at all it won't be the least bit rural in 5 years.

>>49813520
60 is a low term now. I sign up most people at 72 or 84 months.

t. car salesman

>>49812903
>BRO BRO BRO, I *hits table* CAN *hits table* FINANCE *hits chest* THE FUCKING CAR OKAY!
>*Goes into debt to buy a a niche car*
>EVENTUALLY I CAN PAY IT OFF (In twenty years) YOU JUST DON'T GET IT
>*Unforseen events*
>U-uhm wtf I can't actually afford t-this?
Thanks for playing.
T, Loan usher gang

>>49813113
lmao i opened three credit cards and took gibs at every chance and am late on all the payments

lmaooo good job being a good goy

>>49814889
>it's just a temporary buibble due to basic supply/demand factors.
It's not temporary. Manufacturers are all stating that they will never go back to the production levels they had before because it's more profitable to have less overstock.

>>49815375
how do debtmaxx fags get obliterated? just dont pay lmaoooooo theres no such thing as debtors prisons anymore retard lmaoooo
lmaoooooo
lmaoooo
imagine thinking you arent a midwit because you buy index funds and liver frugally
nigga i dont even have a formal job and i drive a mid engine supercar . oh wow you have a room full of beans , i also have bags of rice and a freezer full of meats and all the same shit you do to survive the collapse. the difference is i get to deive a fucking lambo and fuck stacies until then lmaooo lmaooo lmaooo what a bunch of niggers .

>>49813902
live fast die young

>>49820670
based

>>49820603
But I made so much money in the stock market with what I didn't spend up front!
*stock market crashes*

And here I am making $3k-$5k/month from defi & still driving in a 2004 toyota
I wont stop until I made it in the next bullrun

>>49816522
I firmly believe you should never "treat" yourself. If you do, it should be once a year. These retards just finally have expendable income and suddenly feel like they need to spend it all paycheck to paycheck.

>>49812903
>>49813419
>>49813520
>22500
>five mounts in
>now valued at 17000
I know he said he got out of debt first but I wonder if he rolled the old car loan into the new loan.

>>49813186
Why sell his house to debt max? Creditors can’t take your house or car because they need you to live in order to pay them back

>>49818114
Truth, nowhere moreso than in UK. We don't do social mobility here

>>49820882
2004 toyota bros, stand up

>>49821267
i have a 2012 Jaguar XK, it cost me $22k when i got it and it would cost you $40k to get one today.
i've "profited" the exact same as the rest of you but i'm just not retarded enough to claim that the car is actually worth more than it was five years ago just because the price is higher.
it's literally just inflation.

>>49812903
Who the hell is driving 60 miles to work every day in the UK? No where in this god forsaken country would it ever make sense, really

>>49812903
>>49814250
>>49814314
Maybe the Jews are right.
Maybe the goyim really are just mindless cattle and deserve to be enslaved.

>>49814534
care safety is a meme anon, don't fall for it
only three things matter, braking speed, durability and fuel consumption rate

>>49817339
>taxes are communist
no
Bongland is one of the msot capilast countries in the world. They are so capitalst they have to larp to the plebs about their socialist policies to make sure the huge capitalist dicks can slide into their gaping fartflaps.

>>49814250
The absolute state of garden variety goyim.
Honestly, can't blame the Kikes for taking advantage of these goys.

>>49816446
Change banks, or open up a new account and switch incoming payments to that, or at least change the date it's taken out on you retard. It's YOUR account and you can stop the autopayments/direct debit or whatever you call it in your country. Declare bankrupcy.
On 18 per day you're better of being unemployed and claiming mental disablity (self harm) + neetbux.
If you ignore this advice you just want to suffer and deserve to.

>>49822023
Child support is taken directly from your pay slip in the UK the same way taxes are. It once got put on mine by mistake for a month.

>>49812903
Guys, you've missed the key point that he doesn't even really own the car - it's a hire purchase. At the end of 5 years he has to give it back unless he makes a lump sum payment of thousands that he clearly can't afford.
So he's paying £550 a month for a car that will never be his. This is one of the worst financial decisions I've ever seen. Imagine working your life away to run a car for 5 years with nothing to show for it at the end.

>>49822111
You stupid wagie.

Go self employed and fiddle your tax return.

If Amazon doesn't pay UK tax I sure as fuck am not.

>>49822197
We need a great RESET

>>49822111
Change bank account. As i said, better of on the neetbux but anon has probably missed the gravy train on ESA and PIP because of silly pride.
Also, no pity for breeders who can't afford their own fucknig children. Probably just a degen coomer who couldn't pull out.

I'm an accountant in canuckistan and you wouldn't believe how fucking stupid people are with their money and how they deny it. Had this one client, ran his own construction business. He made like 120k a year and yet was always dead broke. He literally had piles of collection notices for everything. Gas bills, water bills, electricity bills, car bills. The fucking guy made 120k a year and couldn't pay his electricity. he'd not pay for like 3 months and they'd send a collection notice and he's pay them a month and then they'd leave him alone for a bit. He went out to eat in restraunts literally evwery single day, paid for food for his whole crew, bought beer for his whole crew every day, took his family out for dinner like 3 times a week, bought a fucking boat and had to pay fees on it. The guy as fucking retarded. He'd bitch, "They keep coming after me for money but I have to feed my kids you know!" while wasting literally hundreds of dollars every week on bullshit. Owned a new truck too. Financed, of course

>>49812903
Daily reminder that literally no one can afford cars. I make six figures and am still driving the same car I've owned since high school. It sucks being a car guy and desiring cool high performance machines, but you just have to realize that your car is a tool and it's not worth expending double digit percentages of your net worth on something that just gets you from point A to point B at the end of the day.

>>49822248
Why reset the debt of irresponsible people though. Let them go bankrupt and learn a lesson.

>>49813553
Obsessed

>>49822341
>responds with obsessed to americans responding to a bong they thought was a euro
Absolutely retarded. Lurkmoar and learn to read into context.

>>49813113
by whining impotently on this childrens cartoon forum i guess...fucking loser

>>49822306
You got any pro tips for not being a financial retard? Besides the car on finance dunce-trap

>>49813113
>>financed half of the home with cash, sub-1% interest rate

Where are you getting a mortgage with that kind of interest rate? Especially 10 years ago... I think you're full of shit OP

>dude just got into debt for a car
if youre a poorfag its coat effective to get a 1000$ shitbox and pray it drives for a few months, in this situation you could go through 12 cars a year while still saving money, statistically tgeres a good chance a car will last a few years.
I know a guy who bought a 1980s toyota for 500$ and its still running today
>but noooooo cant be looking poor infront of the normies right
Goyim just like shiny things they cannot afford

>>49822473
It's really simple man, just budget your actual take home pay in percentages. "Pay yourself" like 5 - 10% for play money, frivolous spending, meals out, clothes etc. No more than 50% on housing/food/insurance. Invest/save the rest.

>>49822473
Man just don't waste money on stupid shit. Make a spreadsheet of your expenses and keep track of it every month. Save up an extra months worth of expenses as a safety net in case you get fired or your fridge breaks or something.

Stay the fuck away from women until you're financially stable and have extra income

I bought a beat up 1998 toyota 4runner for 3k, pay 50$ a month in insurance.
Now its worth 6k or more and I havent needed to fix anything and its still running strong at 300k miles.

Everyone who knows anything about cars knows that BMW and mercedes are steaming piles of shit, its basically the iphone of cars, meant as a status symbol but has planned obsolecense and is overpriced trash that breaks apart

>>49812903
>move 60 miles justo to get to work

americans really do this?

>>49812903
it makes sense for the wageslaves to act like this. They are worthless and know they are worthless so their only shot at reproducing is debt maxxing and hoping to hang on long enough to get a roast pregnant, otherwise their line has already ended.

It is just like the get rich or die trying ghetto gambit

>>49813419
I was thinking something like an M4/6 but A FUCKING 5 SERIES DIESEL WAS HIS DREAM CAR?

>>49822678
This. Always buy Japanese. Any 4wd Toyota is unbeatable value.

To anyone reading this tempted to blow cash on a sports car of any kind, just get a motorcycle instead to satisfy that speed urge. You can get a brand new Aprilia for like 12k that will smoke anything on the road.

>>49816696
that's just stupid risk or mental retardation, not leverage. m8gka

>>49822197
With hp you own it, youre thinking of pcp.

Wow, now this really has me short of words. People really going through a lot out there, and still making stupid mistakes on top. But it's quite good to see that the cryptocurrency that the governments are refusing to support is being used as support to war-inflicted citizens in Ukraine. You just can't hate it, preach against and not look like an idiot.

>>49823089
No, with hire purchase you hire it until you purchase it. Clue is in the name.

>>49813281
>>49813281
>im comfy driving my shitty car to and from parents with crypto gainz sitting in the bank
kek same, we gonna make it one day brah

Whoa didn't expect my bitter whining to get this much traction

>>49813848
Alto. It's not the best. If Jimny meets your needs, and you like the way it drives, go for it. Some rave about it, some hate it. The haters seem to be expecting a different kind of car.

>>49814534
Thanks for looking out for me. I'll consider it, but I'll probably drive this one until it's fucked. Might get a Volvo then.

>>49815375
>A just life is its own reward
This is true. For the most part I believe it. But then COVID or recession or crippling student loans roll around, and the people who didn't properly managed their finance are basically too big to fail and get bailed out. Same principle as criminals - they don't behave, so society spends tons of money on them. Me, I remain a bitter incel. But a just life is its own reward, most of the time.

>>49816114
>>49822538
I live in a Europoor country. I took out my mortgage in 2019, when interest rates were low as fuck. I know others who had sub-1% offers from the same bank, a major international bank. It wasn't uncommon but I am not going to post my financial documents on a Singaporean Monopoly money investment club forum just to prove I'm not a lying faggot. Enjoy your bags and 7%-mortgage.

>>49816823
>Lul just retire at 50
Yeah this is actually looking more and more viable, especially since my mortgage will be paid off fully by then. Unless of course the whole global economy crashes and my silly index funds get worthless. Like >>49816847 says
>Financial suicide if it's a European index
I'm 50/50 in SP500 and my home country's index. So half a suicide I suppose.

>>49816293
>Fertilizers and a truck
Don't b-bait me, baka fed-san...

>>49812988
I shit you not. All of my coworkers are permantly maxed out on credit. As soon as something gets paid off, they buy something retarded like garden furniture or a brand new a porsche on credit. They borrow up the mortgage regularily as well, always living pay check to pay check with tons of debt on their shoulders.

>>49813868
I know! This is so insane to me. They literally all do this as if it was normal.

>>49816335
why not move back in with mum? no shame in that, especially nowadays

>>49817339
0% tax on spread betting though

>>49820296
men in fancy cars usually impress other men who WANT fancy cars. it's all pretty gay. I'm not saying don't get a nice car, if you can well and truly afford it; but breaking your back for a car you can't afford is, at best, going to get you a thumbs up from some poor schmuck in a shittier car.

>>49824577
Some men think having a nice car will get them laid. I'm an oldfag and I've never seen that happen.

>>49820919
I'm so glad my parents gave me a minuscule allowance I couldn't buy anything without saving up for a long time. Pretty sure it's why I'm a natural saver.
>>49824577
Same with gymbros. The only people who are seriously impressed with good physique are other gym bros and literal fags. Most women dadbods and lanklets aren't a turn off, although of course I'm sure looking better is better than not.

>>49813427
Mashallah

>>49812988
>>49812988
I drive a Toyota and I feel the same.
Jobs pay like ass.

>>49813253
It's 350 for me but I got speeding tickets.

>>49818854
250 bongbucks for a 2010 vehicle with 100k kms in working order
At least make your lies believable m8.

>>49818559
>Why do you even care? You sound bitter as fuck.
A fool and his money are soon parted anyways, may as well profit from it.

>>49824556
How's that working out for you?
Nearly drove my dad to insanity, glad he stopped..

i love watching Nick Rochefort talk about car selling stories

>>49814733
ive seen crystal castles at leeds desu

>>49812903
>How does that make any sense?
It doesn't. You got fucked.
Thanks for playing

>>49813887
City living IS living with minorities genius.

>>49813113
>How can I fuck them over?
By literally doing nothing. Uncle Joe and his dementia/sanctions, the banking system, and people like Klaus Schwab are going to fuck these people so hard in the arse. We probably won't notice less consumerism, but they sure will.

>>49826342
70% winrate on the ES with a reasonable 10 point daily goal. It's a lot easier to day trade if you aren't greedily holding on to positions hoping for massive moves. Seems like the easiest way to get obscenely wealthy here in the UK desu.

>>49829777
give us some tips lad
just turned 25 year old pothead fat cunt ere

>>49812903
this has to be satire

>>49829876
Start and stay with £1 per point of movement until you actually figure out how to trade. You can always scale up really fast once you know what you're doing.

Trade the ES (US500 cash). By far the most volume, least slippage and best spread.

Don't trade the open (14:30) unless you're a masochist. You'll get constantly wicked out.

Look up Day Trader Next Door on YouTube. Canadian boomer who's genuinely successful and not a fintwit marketer like 95% of "traders" out there. DON'T PAY FOR COURSES. He basically holds your hand until you're profitable with his videos. Ignore everyone else and their incredible indicators - most of it doesn't work. Been trading a year but wasn't continually successful until I found his channel and implemented his way of trading.

>>49812903
>tfw 23
>tfw bought my first vehicle a bit before my birthday last month, a 1995 chevy s10 at 149k miles
>$2800 including plate and title, only problem was the air compressor needed replaced, even came with new brakes and shit
>tfw it runs perfectly and should last quite some time
>tfw 700 credit score after only having a cc since january because I actually pay the shit off
Feels good not being a normalfag.
>>49813278
Because if they actually were honest with their post tax pay they’d cry their way to the rope and chair store. Their entire reality is an illusion that can break just from looking at it wrong.

>>49813311
>Detroit, the highest auto insurance area in the country. I pay $125/month
Lucky. Back in 2006 I got my first new car in Alberta Canada. It was a 2006 Honda Civic LX (it's a car for middle age women, not a sports car). Car insurance was $460/month which would be about $630/month in 2022. I have a perfect driving record. I had zero tickets on my record and I still have 0 accidents on my record.

In Canada, you need to be upper middle class or higher to drive a car. The insurance is more expensive than the car payments.

>>49813419

Poor people are fucking stupid, holy shit

>>49813419
A DIESEL BMW not even a M550d. OHMYFUCKINGOD.

>>49813397
>probably a fucking Miata
A normie definitely cannot afford a Miata.

>>49812903
indentured servitude
I feel bad for him

>>49830837
what in the fuck. are you forced into maximum coverage or something?
widwest burger here, so mines only ~$35 a month per shitbox.

>>49831986
>are you forced into maximum coverage or something?
Yes. As long as a car is financed, the car must be fully insured.

>>49816328
that's what i thought until my 2016 nissan's transmission died at exactly 75k miles

>>49812903
I am so happy I don't own a car. Imagine enslaving yourself for a fucking CAR, HAHAHA
Oh bitches won't like me cause I don't own a car?
Fuck em, HAHAHA
Imagine enslaving yourself for pussy

>>49832326
>nissan
lemme guess, cvt trans? nissans are dogshit.

>>49832083
that's so fucking high thou

>>49832635
>nissans are dogshit.
Such a shame too. My parents have a 2005 Xterra with the 6 speed manual and it's still fucking awesome. CVTs really are a conspiracy to make all cars suck.

>that's so fucking high
Welcome to Canada. Just for fun, I went to rates.ca to get a quote for a 2023 Honda Civic LX hatchback for a person born in 2001 (age 21) with no tickets and no claims on their record. The grand total is... $416.92/month is the BEST rate it could find.
I hate this country so much it's unreal.