/biz/ - Business & Finance

>>50514066
I hardly spend money on gay ass luxuries like food.

>>50514066
My networth is going to stay shit till i move in with my wife

>>50514066
>live with parents
>pay rent
Do amerimutt goblins really?

>>50514066
How the fuck are you living with your parents at 80k a year and cant save? What the fuck are you buying? I make 60k in NYC and i'm getting by.

>>50514066
Most people are in debt up to their eyeballs. There will be a breaking point eventually though.

>>50514158
I think OP doesn't realize that almost no one saves anything, the good savers are like 4k a month. Even higher tier wagies like doctors dont really save all that much

>>50514066
You kinda have to take some risk to make it anon
Salary will just cover your mortgage

>>50514066
When the Fed stopped playing by the rules in 2020, I predicted that inflation would make any career path short of getting lucky with crypto an impossibility. For that reason I decided to debtmaxx and go back to college. I'm in a dorm 8 months out of the year and in an Airbnb for 4 months in the summer. I got on neetbux too, so my entire income is tax free and can't be garnished.

>>50514158
I make 85k in the Bay Area and barely scrape by only because I paid off my car already, which is 8 years old. I live pretty frugally, I have a 1 bedroom apartment about 30 minutes outside of the city.

>>50514066
>his parents didn't give him $200k for the down payment on his million dollar starter home
NGMI

>>50514066
You wont get by. You will reap what you sowed amerikkkan parasite. Get a taste of your own poison.

>>50514066
If you can't save in your situation you're retarded

>80k year

How is it possible that you're not saving? Let's assume you're living in California and pay a lot in tax. That $80k is now about $58k. Assuming your "pretty reduced rent + utilities" at your parents' is $1000/month, you now have $46k. Food, gas, bills, car repairs etc should not be costing you more than $10k/year. Maybe you splurge on some nice things and spend an extra $4k on clothes and video games or whatever.

Accounting for all of the above, you should STILL have $32k left over. OP confirmed LARPing incel.

>>50514197
You are me. Im taking out a degree after buying a home with crypto. I get about 25k tax free income, and then another 30k from the home.
I live in another country too, so my living costs are nothing. I have some left over to put into the market for when we froth up again.
My degree will get me 100k USD job no problem, and if I'm diligent.. something like 150k-200k usd is likely
No debt

>>50514284
California is about 2400 for a 1 bedroom apartment.

Yeah I don’t know how people get by, I make 425 a year (21/per month net) and I don’t feel wealthy at all.

>>50514144
Starting in the 80’s Americans were hit with the messaging that funding a comfy retirement was more important than anything else, including anything good for their children.
Many took it to heart. You’ll see some Boomers and Silents right now making a decision on whether to raise more money with a reverse mortgage or by stopping paying for home insurance. The Boomer lament: they won’t let me have a reverse mortgage without insurance.

> 80k/yr
> reduced rent and utilities
> "ackshually things are hard for me too"

>>50514225
Bro how? What do you pay in rent? I pay $1200 in the Bronx

If you can't make it on 80k I have no sympathy for you. You normie consumer faggots go broke on six figures when I live nicely on less than 3k a month. 5k a month would be an absolutely luxurious lifestyle in which I could save and stack metals.

Fuck you nigger. Live within your means.

>>50514324
True, but he said he lived with his parents, so I assumed it was a pretty significant discount.

Lol LARP bait. Theres definitely been a lot of demoralization threads here like "should I kill myself?" No idea why

>>50514066
What the fuxk are you spending your money on? I'm living on GI Bill and disability bullshit that adds up to like 3k a month and I'm fucking renting an apartment. I'm saving like $200 a month ofc but obviously this is only for a year while I'm in school.

>>50514432
Unironically Russian and Chinese agents.

>>50514461
The advantage you have is you can live somewhere cheap and get the same money. Some people have to live near their work, so they might be fucked paying 2.5k a month for a shit apartment.

>>50514518
If you work somewhere expensive, you should be getting paid expensively too, otherwise move.

>>50514432
Based skeptic anon keep doing this service. They want everyone radicalized.

>>50514358
Bronx Chads rise up

>1k per month for a 1 bedroom
>make 96k per year

My grandmother owns the 3 family home I'm living in though. Thanks grandma!

>>50514284
$94,700 is the low income threshold for a family of 4 in California.

>>50514638
Based as hell

Don’t have time to reply to every post, but the answer is taxes. I spend maybe $400-600 a month eating out, and about $200-300 a month on vape, and that’s my only luxury’s. Other than that I seem to constantly be paying ridiculous amounts for gas and food these days, and any money I do save ends up needing to go to taxes for last year basically. I can’t imagine living on any less with two people, and if you throw kids into the mix I imagine you’re fucking drowning

>>50514066
I make 90k and have my own house but also support a wife and two kids I’m getting absolutely ass raped by inflation like fucked up the asshole raw.

>>50514432
Say your goodbyes to your family bro

>>50514707
Yo let's get some Louie and Ernie's.

The fuck are you spending it on? I havent had a job in a year and lived on £20k of savings including rent and bills for a room

>>50514432
Not even. I was making less 3 years ago but able to save more. Part of it is definitely the wife I’ve picked up since then, but Jesus fuck I feel like I have less money now then I did working part time in 2018.

>>50514066
learn to code

>make $80k/month
>rent $1k/month
>food $400/month
>car repairs $4000/month
My family is dying please help

>>50514066
Civilization is in the brink of collapse, there are far too many parasites like politicians, mobsters, bankers, liberals, jews, niggers, retired boomers, all kinds of death weight.

>>50514720
You spend more on "luxuries" than I spend on everything you dipshit. You deserve to starve you stupid nigger.

>>50514066
and that's a good thing, here's why!

>>50514066
food bank line today was the longest i've ever seen. 9 long lines of cars in a massive parking lot. My town is small too. Easily 10% of the popultion is going to food banks

>>50514066
I anticipated inflation and stocked up on food/goods prior.

>>50514810
>started learning to code
>learned HTML/CSS/js to a decent level, even got some job offers
>realized it was the most boring and soulcrushing profession ever

I don't care what color the font is on a website or how big the box is. I don't care about linking a certain link to a system that checks your bank account or whatever. I don't give a single fuck. Not worth the pay, the effort, or being forced to sit on your ass all day checking inane details while chained to your macbook.

>>50514066
>80k salary
>probably paying like $400 a month in rent
>his only bills are car insurance, gas, food
>somehow can't save money
Are you ordering ubereats for every meal, retard? You should be able to easily put away 2/3 of your salary

>>50514982
>retired boomers

This one doesn't get talked about enough. Sure they worked a job for decades, but they bring in $150k in retirement doing nothing and then buy up properties and rent them out. At least nigs just blow their $1500/month checks on drugs and clothes

>>50514533
with this mindset eventually there will be no one in your town to get you cigs at the gas station or bag your groceries at the supermarket or serve you food at a restraunt.

>>50514066
Savings.
Debt.
Extended family.
Social programs.
Basically the things that keep drug users afloat.
Normies aren't freaking out too much right now since they still have debt and equity loans they can take out.

>>50514066
Dump the gf. Sell the car. Buy an ebike. Steal your parents food.
Fiancial Problem solved.

>>50515275
>Normies aren't freaking out too much right now since they still have debt and equity loans they can take out.

How long is this going to last? Will normies just be in infinite debt?

>>50515350
Of course, that's all part of the Great Reset (tm)

>>50514284
Bingo, OP is a larper or a normie niggercattle consumer

>>50515350
Yes, a fiat monetary system actually requires it or you have a deflationary collapse.
Every dollar is created with debt and has interest due on it, thus every iteration requires more debt to pay off the debt of the previous.

>>50514066
i often think about this same question. its just me and my wife. i buy produce, canned tomatoes, pasta, cheese, meat, maybe a bag of chips, and a couple of various other things on the outside of the grocery store. a simple trip picking up a few things turns into $30-50 for literally nothing. how the fuck are people feeding families right now?
everywhere rent is expensive. i get it people should have bought a house. well they didnt and rent is fucking out of control in at least the south eastern part of the united states. anything affordable is a meth trailor or apartment in the ghetto. how the fuck are people housing their families?
gas is just lol. im lucky to drive a 4 banger that is owned. dont even have a car payment and my car insurance is like $87 a month. meanwhile people have $500 car payments a month on top of just basic essentials.
how the fuck are you niggers living right now?

>>50515512
I'm not a parent so I don't know for sure, but I feel like kids aren't as expensive as some make them out to be. Sure you have to feed them, clothe them, healthcare, and if you're a decent parent put them in private school and save up for their education, but how much could that really add up to? $20k/year per child?

>>50514187
140k fag here. This guys right. There's always some fuckin cost that needs to be paid to take my hard earned shekels away from me. We live in goy land, it's designed to suck you dry of your wealth. I try to save but I don't have all that much to my name. But I earn enough to love well month to month. But that's just like renting everything and owning nothing and being happy isn't it.

>>50515512
>$6000 net income
>$1600 rent
>$500 car
>$500 food
>$500 utilities/phone/internet
>$500 Roth IRA
>$500 misc

So that’s like $1900/month left over and I live alone in a 3 bedroom house. I feel like my expenses have crept up at least $1000/month since last year desu.

>>50514066
i make 85k a year workin from home and live with parents. Extremely comfy right now putting 90% of my paychecks (after goy tax) into crypto and tech stocks. patiently waiting to slurp a house

>>50515591
bro you have to understand most people work either retail or restaurant or some other similar job. we are talking about people that bring home maybe 25k a year each. thats a huge chunk of people. not everyone can be store managers or whatever else that is high in those positions. so you have all these people just scraping by at the bottom. how are they living right now?

>>50514066
My salary is 15k a year. My partner is similar, but we are quite comfy because we have our own house, zero debt, and passive income from another house.

Once debt is gone life is very different. For instance when I got sick of wage slaving a few years ago I could quit and go to India for a couple of months without worrying about making debt payments.

>>50515657
Ironically those people are probably impacted the least because those wagies are getting the highest raises right now. Don't forget that half the country doesn't pay income tax, and tens of millions get foodstamps and medicaid and other gibs.

>>50515657
Living with roommates for cheap rent or with family for free + shitbox car + no insurance makes it pretty manageable

>>50515719
Why on earth would you go to India?

>>50515763
not op but i imagine you can live like a king if you show up with western levels of relative wealth. i remember in my hometown this dude ran a quikmart and would spend 2 months of the year in India visiting family and doing whatever the fuck he wants.

>>50515814
Just watch your step kek

>>50514066
I pay no rent, don't have a car, no gf, no friends, avoid all eye and social contact unless forced to, fast for 2 days a week (sometimes 3), don't pay for food, have 2 remote jobs on the weekday, and a part-time job on weekends (with above average pay).
I also have no expenses (haven't paid for any media EVER). I also buy clothes from 2nd hand stores or take my dad's clothes (been wearing them for 10+ years).

>>50515591
>>$500 car
lmaooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo

>>50514066
I made 28k last year, it's pretty ez I just take the bus to work, cook my own meals, and don't really spend money on things

Tbf I did get $4k from my mom to pay for cat medical bills but the alternative would've just been the cat would have died and I'd have saved $800 on meds and prescription food.

The hard part is that rent is like 2/3 of my income so after that and bills I only have like $200 a month spending money, it's enough for food and basic cleaning supplies, I put like $40 a month to savings, I have a car but can't really afford to drive it anywhere. Of course I can't afford to talk to women but I don't really want to anyway

My job is good so it is chill, if I ever get a gf I will find something that pays more, for now I have everything I need

>>50515060
work is not supposed to be fun, you dumb zoomer. that's why they call it work

>>50514284
- Car/Health/Dental Insurance
- Car/Health/Dental related expenses
- Any 401k matches (unless you recommend throwing that away)
- Professional Expenses (excluding no-skilled jobs, every one has them to increase the value of their labor)
- Also personal hygiene products/services

You end up maybe at $26,000 saved because few people can maintain discipline to not splurge for years.

- Add bad judgement trying to court a woman for marriage before your 30
- Add a bad investment because who is perfect and who the fuck puts all their money in a CD or bank?
- Add actually reasonable rent expectations

You end up with 5 - 20k saved a year on 80k depending how much you fuckup.

Realizing acquiring a house at 20% down in most LCOL areas is $200k minimum for a total shit box, most young people are just saying YOLO or fuck it.

>>50514114
Fucking based. Anytime someone says they cant afford to eat it blows my mind. For 22 bucks i can get 25 lbs of dried beans of some sort, and another 20 some odd bucks gets me 25lbs of rice. Get some hot sauce and oil, and use a 10 cent 22lr round and shoot a squirrel or rabbit...and you can eat for weeks on less than 50 bucks. Just get creative with the spices and combos and keep shooting squirrels which are everywhere.

>>50516239
>22lr
>10 cent
please tell me it's not that bad now

>>50514245
Shut the fuck up Nigel, you fuckers unironically boil your steaks. BOIL YOUR FUCKING PRIME BEEF STEAKS

You should be shot the moment your concieved, you insufferable abominations

>>50516260
You can find the shitty shit for 7 or 8cpr sometimes. But anything decent or CCI is 9 to 10cpr. Shits fucked man. I remember when it was 2cpr

>>50516148
you took the SWEAT pledge?

>>50516205
Oh, I forgot
- Add 50% average increase in home prices over 10 years
- Add any car/education loan
- Add denying any desire to make gifts or spend time outside with friends
- Add a realization that incompetence of the upperclass never being punished means you know in advance you’ll be giving your ENTIRE life to a system that hates you and will rob you in the blink of an eye

Yea why are people making risky YOLOs and spending too much money trying to escape their hellish existence.

>>50515931
>I did get $4k from my mom to pay for cat medical bills but the alternative would've just been the cat would have died

bro is your cat going through chemo wtf

I am getting loans and playing it up as I am down on my luck. Drive a 100k vehicle and I "owe" about 400k lmao. Once you stop putting your pride on top of your "credit score" you are free.

>>50514066
not by working

>>50514066
well all your productive labour is being consumed by tax transfers to nigga spicks women, anywone but you. So keep being scared of being call racist when racism is a natural good if it is even a thing at all.

All tax is rape all immigration of men and ugo not white women is invasion

>>50516205
You’re correct. The bad decision to court is not important to me, I value family extremely highly and think there’s a lot of value in starting a relationship early and putting work into it. If it doesn’t work out I always have the option to go back to being a bachelor, it’s much harder to go the opposite way though once you’ve found someone loving.

But yeah essentially everything you listed is eating me alive, take it and multiply it by x2 and we pay for all of it. I get that I could probably save an extra grand a month if I cut out some extras, but an extra 12k a year is not worth my fucking sanity, I’m already pushing myself to the max in my career and personal life, I don’t want the pressure of min-maxing my budget as well when I’m going through a fucking lot to make an extremely demanding career and relationship work out at the same time. Shit seems fucking impossible, I’m barely saving and I’m making 20k or so over the average national wage, which I know is inflated as fuck so I’m wondering how the fuck everyone else is doing it

>>50514066
I have zero idea anon...its a question i reflect on many times a week.

>>50515559
It's less. I have 2 kids and I'd say it's like $25k for 2. You're already paying rent/mortgage plus most of the grocery bill plus utilities when you're single. Biggest separate expense is clothes and general entertainment

>>50516148
>1800s "chop this wood, you'll get strong and I'll pay you 20 cents a day, enough for a hot meal and a room."
>2020s "code this gay furry website for me and I'll give you 50 bucks, you might be able to afford a bucket of chicken at KFC"

get real, programming is competitive and over saturated. Starting from the same baseline you've got a better chance getting into construction and building decks.

if you still live with your parents you should be able to save half your income if you’re trying hard, a third at minimum
stop going to restaurants and lose the girlfriend and you’ll have more money

>>50516473
He had a urinary blockage and couldn't pee and everyone said he would die if I didn't take him to the expensive ass 24hr emergency vet immediately, this happened 3x and in between he would piss on the floor

Finally I decided to just let him stay home and let nature take its course, he ended up peeing a bunch of blood and he's been fine ever since

Fortunately my mom is a rich boomer cat lady

>>50514720
>$400-600 a month eating out, and about $200-300 a month on vape
That is about $200 a week which is more than my groceries and bills combined.
Rent costs me my biggest fee.
The rest goes into crypto or savings.

Til I am comfortable in 6 figure hell I'm saving as much as possible.

>>50516387
The fact is you live in too expensive a state. Tell your parents to lower your rent to 500 monthly so they can invest in you, or otherwise head to the Rockies/Arizona to get your start with lower COL. I'm sure they will be flexible with you if you show them your plan.

>>50514066
joe biden got more votes in all of election history

>>50516671
>Starting from the same baseline you've got a better chance getting into construction and building decks.
only if you are a moron with nothing to offer except the ability to lift things and set them down again

Bump

>>50515719
Disgusting brown person

>>50515869
You need to branch out man

>>50516239
Based and squirrel eating pilled.

>>50514066
I make $60k and have a $2k a month surplus. Wtf do you faggots spend all your money on?

>>50514197
How do I into neetbux

>>50514066
I make 120k salary and live with my parents and don't pay for anything.
I'm not leaving until I can buy a house.
If I have to wait for all the boomers to die off then so be it.

>>50514720
>I spend maybe $400-600 a month eating out, and about $200-300 a month on vape
tyool2022

>>50514066
evade taxes or have some family inheritance, I in my case have 3 jobs to keep my apartment and invest safely (waste money) although if qom gets generous this month I can leave one of them

>>50516239
beans devolve humans, but pretty based nonetheless

>>50514335
kek, my dad wants to send money to wounded warriors, meanwhile my brother who is 34 with two kids is in debt and has been in debt since he has been 21. what an assclown.

>>50514533
You can't just get another job and move if you aren't a fast food worker or something. It takes several months, even in the boom times which are over for the next 6-12 months.

>>50516239
> eating squirrels
really?
you could just get yourself some cocoa, milk and oats for 500 bucks per year of food

>>50521544
*milk powder, i mean
it all stays good for about 2 years and you eat fairly healthily without having to cook anything
you can use any money you have left to buy fruits, meats, eggs, ... whenever you feel like it

>>50521520
This is the benefit of having a shit wagie job. It's like having a piece of shit car, you don't have to worry about it or care what happens to it. You can just up and quit and go do some similar entry level shit on the other side of the country. You can decide to do a remote job data entry job and go live in Croatia for a year. You can go fuck around and teach English in Taiwan if you felt like it. There's no career or resume gaps you have to worry about; you're a free man.