/biz/ - Business & Finance

>>52729630
Some people aren’t meant to make it, the Jews are right about goyim

My moms the same way.
> has a 10 to 20k spread across multiple bullshit 20 year old department store credit cards.
>Pays 300 a month for car insurance and wont switch because customer loyalty
> told my friend who was making minimum wage part time to invest in single household staple stocks like clorox, to correct me after i told him he could buy online classes or books to get certs to breakout into IT or homeinspecting, real estate etc...
> almost got hoodwinked into an 8 year 350/mo car loan.
> Eats out every day
>spends hundreds on clothes and shoes each month replacing similar clothes that "got too old"
>Pays for a home phone, and satellite radio in 2022 (consiously too she balances her checkbook by hand everyweek)
>doesnt like her job but wont look for other options because shes convinced she needs a masters degree to make more money. (shes a suped up secretary with a marketing degree)

>getting in shape using a nintendo switch and ring fit

What the fuck is wrong with you people, just goto a fucking gym and lift weights, and download a calorie tracking app on your phone and track your calories, do that for 12 months and you'll look better than 99% of other men

>>52729956
all he needs to do is just stop eating but he won't. His mother buys him these fat loss and testosterone and belly fat loss pills, and he takes them, but the reality is all he needs to do is stop eating 4000 calories a day.. Dude weighs 390 at 6'3"

people at work are making fun of me for my spending habits yet they are the ones with 0€ saved and I am the one who is able to save 70% of my paycheck each month. Already talking about retirement in the next 10-15 years and shit and yet they keep on making fun of me. "live a little anon" "thats normal". lets see how normal it is when you faggots need to work until you are 67.

>>52729630
Most people just cant help it anon. Something like 30% of all Americans who make over 250k/yr are living paycheck to paycheck. There is a group of people who will always be normie goycattle blowing their entire paycheck on consoooooming.

They will never be comfy.

>>52729630
renties are stupid people anon...

>>52729998
They do have a point anon you could die out of the blue and all that saving would be for nothing find some balance

>>52729630
>>52729956
Spending money takes less willpower then the hardworking and persistence required for getting fit, or really any other objective.

>>52729630
meh,
>t lived entire adult life saving north 80%
>tesla and apple stocks bought a decade ago
>crypto experiments
> eating raman
> renting basement suites
> no car
> devving the blockchain though reaching that 1% income bracket for my age group

Government than retroactively and extrajudicially seizes and freezes bank accounts for buying the wrong t shirt

claims no culpability, absolutely serene, did it to 'protect' property rights.

reputations of peers tarnished and black listed by corporations

revealed in tesitmonies wef puppets were scapegoating us to accelerate the cash free society anyways

pretending that inflation is even being reported accurately


>Why are people like this?
Because society is a very thin veneer, voltaire was right about fiat, and no one in the 21st century really knows whats behind a debt

>>52730027
I do spend money but only on the things I truely need/want. You cant tell me you really NEED a new iphone every 2 years or a 50€ haircut every 3-4 weeks, new car every 5-6 years, 1-2k vacation every year etc. That shit isnt even qol, its literally just goyslop consumerism. The most important things in life are free (physical and mental health). I feel like most people are trying these thigns up by buying themselfs treats.

>>52729645
>I am the namefag anon warned you about

>>52729956
>What the fuck is wrong with you people, just goto a fucking gym
Or do what the greeks do and lift heavy rocks up and down, Walk around a bunch.
Americans are so useless you could give them millions and they would piss it away.

>>52730025
You're a fat faggot.
Your opinion is useless.

>>52729998
fucking kek'd.
>why dontch yew work until yew die at a mcdonald's, anon?
>because i want to fucking retire at 40 not fucking 65, cunts.
But i'm sure you think your co-workers "making fun" of you for your spending are the same individuals who contribute to the national debt and you just let them bully you because you think filing a lawsuit costs too much, the kek is so copious in this shitpost.

>>52730178
Here's a free (You), anon.
Keep seething at Americans. You're actually doing us a favor by increasing our profits AND you're fucking giving us more attention.
I ought to thank you. But I'll have to charge you for being a keyboard warrior.

>>52730027
And what if you don’t die? Which you won’t if you work out and live a decently heavy lifestyle? Then you can retire in your late 40s early 50s and have another good 20 years at least, while these retarded normies have their bodies start breaking down from substance abuse on their 40s, and have to work another 20 years just to retire into poverty, only to end up dying in their 70s as wrecks anyway.

>>52730064
>Government than retroactively and extrajudicially seizes and freezes bank accounts for buying the wrong t shirt
example?

>>52730489
Buying a t-shirt from the freedom convoy.

>>52729630

1. You can't fix people. At least not without sacrificing your life for them. You literally have to live with them, cook healthy for them, motivate them to do some push ups, etc. And they will still likely regress. It's only worth it with parents so they don't fall apart in old age.

2. Fixing losers is a fun hobby - makes you feel good and accomplished. It's also much easier than working yourself, so it's a cope out for many. Keep that in mind. (P.S. I am giving you advice because I don't want to go do productive shit)

>>52729956

See how this anon just feels soooo good about doing basic shit.

>>52729630
He's literally enthralled (like a vampire thrall, mind controlled) by advertising. He doesn't want to get in shape, he wants to be the kind of person who gets in shape, and wouldn't you know it the advertising on the screen says those people buy a switch and a ring fit, and because identity is only defined by what you purchase now, that's what he did. For a more in depth explanation of how all that works read The Last Psychiatrist blog.

>>52729984
>390 pounds
It's over. You can't do that to yourself and come back.

>>52731828
>>52729984

Oh. Yea. Give up. He is not a human bean anymore. Btw, the way for those people to lose weight is 7+ day water-only fasts. It does come off quickly since it's an absurd amount to maintain on nothing. If he walks / stationary bikes (not sure he can walk), he will be down to 250ish pretty quick, but even just fasting.

>>52731828
I did. 360lbs at my highest. Size 50 waist line from highschool to around 23 years old. Now Ive been just over 200 for almost 6 years.
But youre right. I live with some problems and deformities that can never be undone no matter how much I lift or train. I will never be normal.

>>52730069
$50 on haircuts in a month is a small price to pay for the impression gainz you get in return. Also spending 1-2k on a vacation each year is nothing anon, you don't have to go on some insta-roastie spending spree abroad but the historical sites and nature you can see will give you charisma gainz. >>52730027 has a point find some balance, don't spend like a nigger but hoarding your wealth makes you no better than the jews. You could be depressed seek help. I went through phases like that too, I am a good looking guy and I would neglect my hygiene and appearance and once I got my shit back together I realized how much I was missing.

>>52729630
I'd be saving the majority of my money. Unfortunately prostitutes are quite expensive(at least for my budget)

>>52731909

>I live with some problems and deformities that can never be undone no matter how much I lift or train.

Can you elaborate? Genuinely curious if just skin folds / stretch marks or already arthritic everywhere. Theory says you should be able to fix your insulin.

>>52731913

Keeping up a normal, not fancy, appearance is part of being a normal human bean. Not optional. Agreed that you can travel without it being an "omg vacay!!", but unexpected costs ALWAYS creep up, so that's something to keep in mind.

>>52729630
The reality of living paycheck to paycheck is all too familiar for many people. It can be a constant struggle to make ends meet, and the fear of unexpected expenses or a sudden loss of income can be overwhelming.
There are a number of reasons why people may find themselves living paycheck to paycheck. One common reason is a lack of financial literacy. Many people may not have a clear understanding of how to manage their money and make smart financial decisions, which can lead to overspending and a lack of savings.
Another reason is low income. For many people, their income may simply not be enough to cover their expenses and save for the future. This can be particularly challenging in areas with a high cost of living, or for those working in low-paying jobs.
Additionally, unexpected expenses can also play a role. Emergencies, such as medical bills or car repairs, can quickly drain savings and leave people struggling to make ends meet.
Finally, some people may simply be living beyond their means. They may be spending more than they earn, using credit cards or loans to make up the difference. This can quickly lead to a cycle of debt that is difficult to break.
In short, there are many reasons why people may live paycheck to paycheck. But by improving financial literacy, increasing income, and being prepared for unexpected expenses, it is possible to break free from this cycle and achieve greater financial stability and security.

>>52732003
"stretch marks and extra skin" doesnt cover the things no one tells you. The most important being 50% closer to having ED at a young age. What I didn't realize was that the extra skin envelops the penis and prevents arousal as it deadens the sensation of "getting erect'; that is you dont easily"feel" aroused even though you are. This can be compounded by porn.
Other than that. Left leg shorter than right due to destruction of cartilage. ACL tear in right leg, combined made for an abnormal gait I still have trouble correcting with PT (I might never fully correct it) Having a gunt despite being measured in a Bod Pod to be under 13% bodyfat. Fallen arches in my feet making look like I have flippers. Permanent scaring from the giant cysts that developed in the friction of the folds. Premature hair loss. And a lonely wasted youth.
Would you believe I council others who want to kill themselves? It's because I've been there.

>>52729630
>>52729956
I'm already fit, had a switch and bought ring fit because it looked fun.

Shit was no fucking joke, some of the toughest workouts I ever did (of course you have to actually commit to it, and make sure you're on the highest difficulty). Was not expecting how hard it pushes you. Legit was a fun way to workout.

>>52732087

1. Props.
2. Thanks for the details.

>Would you believe I council others who want to kill themselves? It's because I've been there.

Makes sense. It's always funny to me when normies volunteer for suicide hotlines. Pretty sure they directly contribute to a negative outcome in many cases with generic platitude bullshit.

>The most important being 50% closer to having ED at a young age.

I don't have the research in front of me, but fatty tissue actually starts causing ED at ridiculously low body fat - most people think it's fine to have some fat around the stomach, in reality it increases ED rate by something like 5-20% vs losing those 10-20 pounds.

>ACL tear in right leg

Ever get that fixed? If you have insurance now, it will be your whole deductible but they can do an artificial graft or take a piece of your patellar / achilles. It's not really as dramatic as it used to be since they do it arthroscopically (though small holes).

Good luck to you anon.

>>52729645
>the Jews are right about goyim
I'm at this point as well. Might try to find a nice khazar gf

>>52730194
can someone please take care of their rentoid pls?

>>52732377
I too crave a khazar big titted cow sometimes. But with Jews you lose.

>>52729909
>almost got hoodwinked into an 8 year 350/mo car loan.
What happens if you got hoodwinked into it, found out you got hoodwinked and decided to return the car and just not pay the loan?