/biz/ - Business & Finance

>>55443873
Kek. Pay debts
>t got phd with no debt in usa

>>55443873
>The integrity
Pathetic losers think they're the ones with integrity. Good little victim sheep.

>>55443873
i am a government employee with $383k of student loan debt. i'm 6 years into 10 years of PSLF. you will pay for my student loan debt and you will like it.

>>55443873
>telling the truth and calling you out for being a faggot is not a "positive character trait"
These echo chamber retards need to be gassed

>>55443949
>The jew cries out as he strikes you

>>55443954
You wish lol

>>55443979
As long as he is a govcuck they will pay his debt, but he's retarded for other reasons.

>>55443873
These retards should have side-eyed any student loan relief promises from Dems after the supreme court became majority-conservative
It's like they're just now learning how politics works, like they've never heard about politicians promising something that they know can't be delivered on but can still eventually be blamed on the other side while saying "I tried my best u guise, it's not my fault"

>>55443979
do you not know what PSLF is?

>nooo I was only 20 when I took out my student loans I was just a little newborn baby, my umbilical cord was still attached to my fathers uterus ffs!

>>55444013
To be fair, the entire government-corpo-finance-education world worked tirelessly for decades to ensure nobody knows even the most basic concept about economy and finance, and it worked. It's one thing to blame a fisherman's ability for not catching fish, it's another entirely when the lake was secretly poisoned after his master taught him to fish there but before he was ready to start working on his own.

>>55443873
Holy shit. My mom came into my room to bring me a plate of chicken nuggets and I literally screamed at her and hit the plate of chicken nuggets out of her hand. She started yelling and swearing at me and I slammed the door on her. I'm so distressed right now I don't know what to do. I didn't mean to do that to my mom but I'm literally in shock from the results tonight. I feel like I'm going to explode. Why the fucking fuck is he get overturned? This can't be happening. I'm having a fucking breakdown. I don't want to believe the world is so corrupt. I want a future to believe in. I want Biden to give me my 6 year gender studies degree for free. I cannot fucking deal with this right now. It wasn't supposed to be like this, I thought he promised???? This is so fucked.

>>55443992
it stands for pretty stupid loser faggot which is what you are

>>55443873
It wouldn't be such a big deal if everything wasn't so fucking expensive, if rent wasn't constantly going up, if it wasn't impossible to buy a house, if it was so difficult finding jobs, if the wealthy weren't constantly bailed out, and if corporations actually had to pay back their loans too. Considering how unfair things are, why can't people have just a little relief? When will the billionaire and corporate simping end?

>>55443979
PSLF is a legit thing, i work for the government and my coworkers are doing it
work for the government in the public facing part of it(normally the kinda shit jobs), they forgive all federal student loans after 10 years as long as you dont miss a payment
all the retards bitching about not affording student loan payments can just get a government job and get them forgiven after 10 years but they would rather work at starbucks for less money than work at a school or the IRS

>>55444093
>Just work in shit conditions for shit pay for 10 years while never missing a payment bro

>>55444078
>if rent wasn't constantly going up
move to a small town in the middle of nowhere ohio
>if it wasn't impossible to buy a house
wait for it to crash retard
>if it was so difficult finding jobs
get a teaching license and teach in the small town in the middle of bumfuck nowhere ohio, schools are desperate to hire teachers
>if the wealthy weren't constantly bailed out, and if corporations actually had to pay back their loans too
always have been, always will be. bitching wont change it so find a solution. waiting for wagies to revolt isnt a plan.
>Considering how unfair things are, why can't people have just a little relief?
3 years of paused payments and interest not building was huge, you could have paid off the principle of your loan without paying an interest and lower your interest when payments did start back up
but you didnt, you bought stupid toys and drugs didnt you?
>When will the billionaire and corporate simping end?
its america, it will never end

if you teach for 10 years in the middle of bumfuck nowhere ohio or something, you get PSLF, all student debts are forgiven even on the cheapest payment plan as long as you make your payments
just suck it up and do that for a decade, then move to where you want to and get a job you want with no debts
dont bitch about student loans if you arent willing to make sacrifices

>>55444104
>nooo i cant work in a heckin gubment build-arinoooooo!
>how else can i get my fancy fruit bar and coffee bar shop in the downstairs of my fancy office building!!!
>they dont even serve onions there either!!!
>noo i will not wear heckin suits to work in an office for just 10 years, i am better than that!!!!
cope more debtoid, not my problem that you want to live with debt because you wont pack your onions

>>55444134
>>55444127
Why do you keep self-owning like this?

>>55444127
>move somewhere with no jobs or prospects
>wait 5-10 years for housing to maybe crash
housing prices are down 15% YoY in hot markets already, rent hasn't budged more than 1% in those same markets
>become a teacher
that requires a 4 year degree, keep in mind you're posting anime on 4chan and telling anon to be a teacher as if that seems realistic.
>bail outs are good, pay your debts
>and move to rural ohio
>>55444134
I'm just gonna assume you're a pedophile living in rural ohio, but it is equally likely you're a fag who cruises tinder for truckers

>>55444127
You are so fucking stupid. You are the stupidest person on this board. Congrats.

>>55443873

You just know 95% of these retards haven't paid a single cent over the last 3 years too when they had a golden opportunity to attack the principle of the loan while interest wasn't accruing. They still have a couple months, but they won't do shit, because they have no agency. Instead of taking control of their life and fixing their own problems, they passively sit around waiting for some politician in DC who couldn't give two shits about them to fix things. As if anybody in Washington has ever fixed anything and not just made it worse for everyone.

>>55443873
1) Loan relief would have mostly reduced the egregious amounts of interest lenders charged during the pandemic when payments were paused
2) Thousands of borrowers are about to go into default, causing the value of SLABS that are being used as investments and collatoral to plummet
SCOTUS just initiated the next depression.

>>55444161
one of my coworkers is about to have $40k of loans wiped away with PLSF and his wife got $50k wiped out just a year or two ago since she has been a teacher for 10 years
both are on the cheapest payment plan possible since it doesnt make sense to actually pay it back when its forgiven
once his debt is forgiven they are going to move to where they want to live and will be debt free
they sacrificed and did government work for just 10 years
you wont and you will be paying all your debts back
cope more

>>55444168
>noooo i cant give up my heckin city life!!!
>i MUST work in the private sector! I am better than gubment workers!!!!! thats for the poor!!!

>>55443873
i hate people who have no money but went to expensive out of state private colleges so they could have the college experience and got useless degrees

i have sympathy for people who went to community college and in-state sponsored universities and got useful degrees

>>55443873
They can resume payments whenever they want. I am never paying them back a cent. I will throw their letters in the trash, dodge their calls, and leave the country if I have to. Get. Fucked.
:)

>>55444170
my favorite thing to do is look at the profiles of the people bitching about it on twitter and plebbit
without fail all of these retards are living in the city, driving fancy cars they got during covid, traveling, or smoking massive amounts of weed and wont quit pot to get a decent job since they drug test

>>55444204

I think the biggest joke for Biden admin's debt forgiveness play was that you could make $250k and still qualify.

I could maybe support it if the income cap was $50k or something like that, but $250k? Give me a break. If you're making 6 figs you can cut expenses and afford to pay $10-20k of debt, fuck off with the handouts.

>>55444211
>cant get rid of debt with bankruptcy
>its fraud to take out a loan to pay off student loans and declare bankruptcy
>government will garnish your wages
>government will withhold your social security
>government will withhold tax returns
>defaulting will tank your credit score
the debtoid fears paying their debt they agreed to pay

>>55443873
>tfw my parents paid for my Ivy League education, something like 250k
>Never had a loan in my life
>Have $1.5 million net worth at age 26 and can now afford to do the same for my own son
>Hearing all these people complain about student loans
>Assume it's a big amount
>Realize most people are only talking about like 30-40k
Who the hell cares

>>55443873
>5k left in student loans because I dropped out early, paying $50 a month zero interest because I never took private loans
>making 200k total comp at a FAANG company as a SWE
>watching all the seething and coping baristas with 300k in student loans
Feels good to be at the top of the food chain. I am a super predator

>>55444245
>pay or else you'll be homeless forever
>haha you agreed to pay now be homeless under the weight of the debt
>w-what? Why are you angry? You agreed, remember?

>>55444251
>implying youll use a gun on anything except your own head
you will bitch on an anonymous anime imageboard and wont do shit, you will either default and fuck up your credit score for most of your life or you will go on a cheap payment plan and let the interest spiral out of control

>>55444263
With all this desperate smug posting you don’t seem berry happy.

>>55443873
Love that this parasite piece of shit has the audacity and lack of self awareness to talk about positive character traits when he’s whining about the government not paying his debts. At the same time he has not a single solitary thought that maybe he should be mad at the academic institution that jacked up his tuition by 10,000% over the past 20 years. He probably LOVES his ALMA MATER. Fuck this faggot. God I hate Reddit.

>>55444275
at least i dont have debts

>>55444196
>one of my coworkers is about to have $40k of loans wiped away with PLSF and his wife got $50k wiped out just a year or two ago since she has been a teacher for 10 years
I'm just here for the cosmic horror of a anime tranner poster talking about being a teacher.
>they sacrificed and did government work for just 10 years
this is hilarious. you couldn't pay me $100k to show up to goyschool and teach goy lessons.
>you wont and you will be paying all your debts back
I have zero debt, I own my car, and I have 10k link. I think I will be alright, but you keep that anime folder full and uh watch out for angry parents
>>55444300
and now the anime tranner admits the truth

These 'people' will still vote biden next time he promises the same bullshit

>>55444398
less than 13% of the population has student debt. the admin blitzing this issue makes no sense because it alienates far more voters than it wins with the absolute retardation of debt jubilees for people who never should have been in college in the first place. That said, I could care less if social security collapsed too, the interest on our national debt is almost equal to social security payments at this point so screeching about muh government job loan forgiveness and student loans is just a massive distraction from the impending doom set upon this country by degeneracy and corruption

>>55444250
>making 200k total comp at a FAANG company as a SWE
>Feels good to be at the top of the food chain. I am a super predator
You’re still a corpo cuck that has to answer to someone who preys on you

>>55444456
barista hands typed this

>>55443873
>identify as black
>got into college fraudulently due to affirmative action
>received $100k in predatory student loans I shouldn’t be eligible for
>get loans forgiven

Nothing personnel wyt ppl

>>55444442
>13% debts
>51% of the kvetching
They know the game is up. The education cartel knows they are soon going to be forced to price their product to market.

>>55444605

>be forced to price their product to market.

I'm not convinced of this. People seem to know by now that a college degree does not guaranteed lead to a good job, but enrollment has shown no signs of slowing down (or tuition being cut to attract students).

College is still the new high school with no shortage of applicants to even the most career-useless programs.

>>55444774
People somewhat know it's no guarantee, but they also know the alternative is far worse.

>>55444178
Based.

ya'll notice how this pedo anime poster claiming to be a teacher dipped out after admitting they're a miserable, desperate faggot?

Where's a good place to go salt mining for these hilarious tears?

>>55444806
>>55444774
schools still shill for college from day 1, they talk about college like it is the obvious next step and everyone should do it. they have guidance counselors that are there just to help students apply to college and every student has to talk to that counselor about their college plans before they graduate, then in their senior year they have a day that more counselors come in have students apply to colleges and they coach them through it

>>55443873
>is not a positive character trait
YOU HAVE FUCKING NEGATIVE NETWORTH POOR EDUCATED MONKEY LMFAO

>>55444885
not a teacher, im a network engineer for a school & i was cooking food faggot, sorry im not terminally online and checking the thread every minute

>>55444161
i hate you spoiled zoomers so fucking much, why do you even bother to be educated when you cant make money on your "education"? shouldn't have choosen gender studies faggot, go live like poorfag now and stop complaining little bitch, mommy lied to you

>>55444078
You took out a loan. Pay it back.

>>55444076
lol'd (you)

>>55444914
id say twitter but the site just shit the bed, plebbit has some good copium in poverty finance

>>55445010
Unfortunately it's all true, there really isn't much of another option if you don't want to end up a trailer trash.

>>55445053
i just went to community college and got certs
had to grind out an extra few years in basic jobs in my field compared to some of my coworkers but we make the same and i only spent about $11k on college and certs, they spent $40k or more and we make the same amount of money

>>55445026
I have no debt or degree and make $120k as a cyber sec analyst lol

>>55445017
you're a pedophile

>>55445080
low quality larp
>>55445076
That's just your friends (most amerilards really) being pretty stupid about how they go about it. They'd only have ~20k debt and start at a much higher paygrade if they had gone to cc and transferred. Also, certs "is college" for those that advertise college.

>>55445090
>go to anime imageboard site
>act surprised people post anime

Last night there was some tripfag Reddit refugee who was coping hard by saying "muh heckin based Biden will ignore the SCOTUS ruling".
And when shown articles from Harvard where they confess that they'll abide to the rulings, he couldn't find a rebuttal except to accuse everyone here of being incels and manlets.

>>55445010
Guidance counselor existed, but had no concept of college, and I was an academic star. Golly I feel old, and Appalachian.

>>55443954

>just never miss a payment 120 times in a row bro
>sorry we couldn't process your last payment, you didn't update your payment information in time because your credit card company sent you a new card

enjoy your shackles goy

what a fucking loser lmao

>>55445161

>>55444245
imagine thinking there will be social security in the 30’s

>>55443873
>underwater debt slave talking about positive character traits
Death and failure is necessary for evolution

The anon ITT is coping so fucking hard it's impressive.
PSA: If you actually want to achieve financial success and not just skirting by at the bottom for half of your working career, please do not work in the public sector.

>>55443954
how do I get $383k in student loans?
>t. want to invest it all into crypto and leave the country

>>55444203
This is an ugly art style and a stupid post altogether

>>55445097
there are 700k open jobs in cyber security right now you fucking imbecile, anyone with a pulse and a spine can get good paying work in this economy
>>55445098
>anime and pedophilia are inseparable
actually, you're just a pedo faggot

>>55444013
Up to 25 is still a retarded mentally childlike human.

>>55444249
no one asked trustoid nepobaby

I like how the discussion is never around free college. They know their degrees are toilet paper and want to vote themselves free money while fucking the zoomers with debt still so their degrees stay relatively valuable.

HAHAHAHAHAHAHAHAHAHAHAHAHHAHA
t. Bong

>>55443873
I thought this decision was just for $10k per person, why are people acting like it’s the end of the world?

>>55445476
Dude, there are Americans who think $10k is life-changing money

>>55444013
kek
>>55445335
>projecting

>>55445276
Go be 12 somewhere else.

>forgive student loan debt
>In another 8 years we're in the exact same spot again
The federal government needs to stop enabling jewniversities to run up tuition costs first, otherwise this is all just a huge waste of time

>>55445276
>Tfw started and stopped studying cybersec during covid
>Now making 85k

>a prepubescent child can consent to genital surgery and hormone blockers
>a 21-year old is just a naive kid who's not mature enough to make decisions about getting student loans for queer theory degrees
Total leftoid death now.

>another, “Poorfags don’t understand debt is leverage” thread
It’s all so tiresome.

>>55445587
People are choosing to leverage an asset with worse historic returns than any other asset class. Education as a commodity market has had dire consequences for our civilization, it’s why academia is corrupted by corporate coffers and honestly it will destroy the scientific and rationality virtues that underpin society in due time.

>>55444442

understand that this 13% is their core base, their inner most circle. Mainly women with fucktons of student debt and worthless degrees. they're the aging hags posting "do better" on twitter and tiktok. if the administration angers/alienates this base, they lose a fuckton of momentum and possibly control of the cultural center of their party

>>55445276
Go back normalnigger, this is an anime fan's website.

>>55445528
you know this is a dead giveaway that you're a fag right?
>>55445576
I don't think most anons realize how stupid/disinterested the average person is - if you think you're not a "normie" then you can prove it by applying your autism to a job that will likely NEVER have enough warm bodies like cybersec.

>>55445667
you're a pedophile, stop trying to pretend it is equivalent to liking anime

>>55445682
Hey little reddit faggot did you realize we have IDs on this board? You also work in IT, who the fuck are you calling a pedophile? That field is chomo central.

>>55444127
Some of your arguments are retarded, most in fact. Even though the teacher thing is a nice loophole i didn't know about.
But this part strikes the hot iron.
>3 years of paused payments and interest not building was huge, you could have paid off the principle of your loan without paying an interest and lower your interest when payments did start back up
>but you didnt, you bought stupid toys and drugs didnt you?

>>55445276
>there are 700k open jobs
Majority of those do not exist. Companies list jobs that aren't real for competitive purposes. This is before you get into the government paying to list fake jobs.

>>55445695
Please keep seething about someone insulting pedophiles, it really shows that you're definitely not a pedophile

>>55445918
Yeah it has nothing to do with the fact you're smearing 1IDITT people like a hysterical fucking bitch. Drop an address to meet at and I'll sort your shit out real quick you limp-wristed IT dweeb.

Its all about getting votes. This goes for both parties. Every thing they do and say, its all to attract the vote and they don't care if they ever actually do the thing they promised to do during their administrations. Promise anything during the election and then vaguely make it seem like you are sort of fulfilling that promise, that's a president of the United States for you!

I personally think they should sign a contract listing what they promise to do and then they should be hung if they fail any of their promises. Then they'd actually push papers to get that shit passed.

That's not what its about. There's a big circle of rich democrats and a big circle of rich republicans who want to get free money from the government through a friend of a friend of a politician so it cannot be traced back to that politician. People who aren't rich, we're just seen as "potential voters". That's it. That's all they are to the right and to the left.

AI will replace politicians one day. Not in our lifetime probably, but they will one day. Only AI can be devoid of corruption since they do not care about making money and don't have friends who want to make money through government funds.

Obviously Biden made the promise knowing the court would say no. That way he looks good. Who cares fuck em, don't borrow shit you can't pay back.

>>55446147
Well yeah; he had two years with Dem control of Congress during which they could have passed an actual bill forgiving student loan debt, but he (or his handlers more accurately) chose to not go that route.

>>55446054
get a load of all the freaks that come out of the woodwork when you shit on pedos

>>55446054
11600 Antonia Way, Louisville, KY 40229

hope you've got all your loose ends sorted out

>>55446230
Is this a Chili’s

>>55446286
fuck around and find out bitch

>>55445145
It's not consecutive though, it's just 120 months. If you miss a payment then it's just 121 months until forgiven.
>>55443954
This also exists for people with regular jobs it's just I think 20 years instead of 10. And payments are based on income. So everybody is acting like they're bankrupted by student loans but poor people have smaller payments and it still gets forgiven after 20 years

>>55446292
I ONLY THROW DOWN AT CHECKER'S WHERE ALL THE KIDS HANG OUT


I AIN'T VISITIN' NO CHILIS YOU SIMPLE SUBURBAN-ASS BITCH

PEDOCHADS RISE UP

>>55446292
I wasn’t that anon
Just wanted to get a beer and some bottomless fries with a pedo hating bro

>>55443873
Student loan forgiveness does absolutely nothing to fix the problem of colleges charging outrageous fees. Anyone that voted for Biden solely because they would get their debts removed is part of the problem as well. Idiots.

>>55446432
You can have a $0 payment based on your income level and it would still count towards your 240 payments. The bar is low too. I make $180k a year and pay like $500 a month. Shit will be wiped in ten years, kek. They WILL pay for my loans, the question is just now or in ten years.

>>55446755
He can't read IDs but some employer trusts this retard with people's security. America has fallen.

>>55444249
>tfw my parents paid for my Ivy League education, something like 250k
I was kicked out at 18, started working 40 hours a week, had to pay for my own education. You'll never be able to say you built yourself up. Generational wealth isn't a brag you want to share. You're a recipient, not a champion.

>>55446939
how is you having a hard life a brag? How does you having a hard life benefit anyone else? It doesn't. Nobody cares. Shut up. You make poor people look bad.

>>55447083
You lack reading comprehension and your family will always bail you out when you royally fuck up. You are barely above a coon that lives off my taxes. We are not the same.

>>55443873
Why are millennials and zoomers such entitled, lazy crybabies who can't work 2-3 jobs to make ends meet? Gen-X here. We never complained about this shit. Buy an Alcatel phone, ditch the iphone, lower your tone, work 100 hours a week until you get a college-certified job and pay off your loan like the rest of us had too LMAO fucking wet pussy snowflakes

>>55445276
I have a Bachelors in Cybersecurity and 9 industry certifications, The issue is you need "experience" working help desk telling retards that their CD tray is not a cupholder and things for 2+ years before you can get a SOC Analyst monkey job and you can not get hired for help desk because you're "overqualified".

>>55447225
Your entire generation was blackpilled by your parent's excesses and selfishness. You can see this reflected in the music and fashion of the late 80s and early 90s. You got to witness your parents vote for assholes that shipped this country's manufacturing base off to China and Mexico. I know you're shitposting but tuition for you was 1/5th what it was for me.

>>55447186
What part of your stupid meaningless fake brag post did I not comprehend?

>>55447265
Hey look another nigger that can't see we have IDs. Are you a reddit refugee?

>>55443959
And reddit fags wonder why they’re hated on this site so much

>>55444078
Yeah, this is not going to end well for society at all. What’s going to happen when the average normalfag can’t afford a roof, any roof over their heads, can’t afford their loan payments, can’t afford transportation, and their only source of income is a service or retail industry job that they’re not even being paid enough to pretend that they care about? This shit is all going to come collapsing down.

>>55445232
you'd fucking lose it in a day and be in debt till you're 45 and they make a settlement that lowers your score to like 100. you will never make money with this train of thought, that 383k will be 5 dollars in a week. you're so stupid

>>55447262
Yet we still are able to support ourselves and lazy, good for shit kids without our parents help

Cry, throw your hands up and beg some more. That's all your generation seems to be good for

>>55447375
I moved out at 18 and have never had my parents help on co-signing anything. You are a nigger in my eyes. I graduated into the worst economy since the great depression. I am giga chad with a full head of hair and you are bald and wrinkly old man ball sack skin.

>>55447387
>that goyim who got psyoped into thinking "independence" means signing a 4 figure a month lease to a jewish landlord, the minute he turns 18

>>55444078
Gee, it's like fiat is a scam or something, you dumb fucking statist slavemind faggot.

The entire fiat grift rests on debasement outpacing wage growth, such that real wages fall while assets inflate (parasitic transfer of resources from income earners to oligarchs).

USD shitcoin is going to zero.

-M2-
1980: $1.5T
2000: $4.5T
2020: $15T
2023 $20.5T

Short the shitcoin (ticker: USD) by buying Real Money™ (ticker: BTC/XMR)

>>55447438
>he doesn't min/max by living in a homeless shelter, wearing tattered clothes and begging on the whitest side of town so he can dump all of his sick gainz into crypto
Ngmi

>>55447438
Also lmao rent was $600 a month when I moved out. Same place rents for double 10 years later.

>>55447387
>you are a nigger
lol you sound like an underaged 30 year old. when did you move back in with your parents and start gambling with shitcoins? Do you all still watch America's Got Talent with each other?

>>55443873
>I don't want to hear how I fucked up the world and how it can be fixed I just want to cry
>Fuck white men btw
These people.

>>55443873
so when the US going to default? People literally can't payback the loans.

>>55443954
>you will pay
who is this "you"?

>>55445276
>there are 700k open jobs in cyber security
prove it

>>55444275

They work for the government of course they're not happy.

>>55443873
SCOTUS is powerless to stop student debt cancellation. OP is a mongoloid.

>>55445335
That’s demonstrably false. Most people graduated college at 16 in the 18th century and were perfectly capable of managing their lives.

Faggot manchild

>>55448622
Life was a good deal less complicated than it is now?

>>55446939
Lol

>>55448029
What color is your bugatti?

>>55448622
This is well crafted bait.

>>55445276
when will this cybersecurity/IT meme end? listen to this guy >>55447242 and listen to me. they will gatekeep the shit out of you. you'll be pulling your hair out trying to get a <$20/hr entry level help desk job with a degree and certifications competing with jeets that can't speak english.
if you don't enjoy IT don't waste your money and time making a career change.

>>55443979
>they won't make me pay!
>fed prints, you pay in inflation
kek

>>55443979
I feel bad for Americans who see slivers of the open corruption in the US federal government and go into immediate denial of it's existence instead of looking at the reality of it.

>>55444334
>>55444398
>>55444398
Republicans ruled against it dumbfucks.
Biden was the one that wanted it to pass.

>/pol/tards defend bailing out banks practicing usury and giving money to Israel.
Contrarianism is a hell of a drug.

>>55444127
>wait for it to crash retard
You may be waiting a while.

>>55445232
>he thinks OP actually got $383k in loans
Those are the interest payments, anon.
The actual loan was probably under $200k, kek

>>55443954
You literally sold 10 years of your life to the government for 400k you fucking retard lol.

>>55448029
>lol you sound like an underaged 30 year old.
>underaged 30 year old
what

>>55446939
I was in a similar situation and this is hard cope. You're telling us you'd rather take the hard road instead of the easy life if given the choice? Get out of here.