/biz/ - Business & Finance

>>55976508
Most people live paycheck to paycheck with no savings and have credit card debt and also live with multiple roommates and drive a shitty car or don’t have a car

They have jobs and aren't loser neets trying to make it big on some crypto scam

>>55976525
I have a job and basic shit like food and utilities are eating away at my monthly budget, you fucking nigger even higher middle class people are struggling right now

>>55976525
I make $22/hour and work 50 hours a week and barely break even each month in butt fuck mid west America

Those people don't invest

>>55976508
I took out 80k worth of debt but live pretty nice. Went on a 10k trip to disney with my wife a few months ago. rest I'm gradually DCAing into a leveraged ETH long + 2025 BITO calls

>>55976544
Post budget.

>>55976620
what did you do at disney that costed 10 thousand dollars?

Excluding the rich who are immune to recessions:
> Scenario 1: They aren't affording it. They're piling all of their expenses onto credit cards and not paying the full balance every month anymore.
> Scenario 2: they're unemployed and simply surviving all of savings.
> Scenario 3: they're refinancing their now bloated-value homes to cash out and using that cash to survive and buy further assets.
> Scenario 4: They just got a big time promotion and affording stuff has been comfier than ever (they were already affording it just fine before aka upper middle class).

>>55976649
nothing crazy really. plane tickets + the dolphin hotel for a week + restaurants and misc spending adds up quickly. I thought the whole thing was going to be too childish but it ended up being my favorite trip

>>55976621
Avocado toast and starbucks every day. Subscriptions to every streaming service imaginable. Funkopop budget as well.

Normies are like coachroaches
They don't need to be healthy, happy, succesful, self actualized or any other bullshit you thinking people do...
As long as they have another mouthbreathers and the news telling that's it's all okay and they are still hip they don't care about fucking anything

The jews are right about them; Human cattle.

>>55976649
Dude he went to Disney.

>>55976751
>"Bread and circuses" is a metonymic phrase referring to superficial appeasement. It is attributed to Juvenal, a Roman poet active in the late first and early second century CE.
>In a political context, the phrase means to generate public approval, not by excellence in public service or public policy, but by diversion, distraction, or by satisfying the most immediate or base requirements of a populace, by offering a palliative: for example food (bread) or entertainment (circuses).
>Juvenal originally used it to decry the "selfishness" of common people and their neglect of wider concerns. The phrase implies a population's erosion or ignorance of civic duty as a priority.
https://en.wikipedia.org/wiki/Bread_and_circuses

The more things change, the more they stay the same

>>55976508
Thats the thing anon.
Most of them, like 80%, arent.

>rent $1100
>Utilities $100
>Groceries $650
>Eating out $100
>Gas $200
>Health insurance $400
>Auto insurance $100
>Cell phones $50
>Gym memberships $30
>Other subscriptions $20
That's for me + wife. I remember when we could spend $400/month on groceries and get good stuff without having to try. That was only a few years ago....

>>55976769
Why would anyone support Disney?

>>55976518
Nope, most people are having sex and living their best lives. Cope and seethe, you are a loser and losers are the minority.

>>55976802
A long time ago people aspired to be something other than a rutting animal.

Lol this guy doesn't just not eat every other day and sit in the dark unwashed contemplating his next move. Ngmi.

>>55976800
I think it's impossible not to support Disney. I would love to know what the average number of hands a dollar passes through from any given consumer to being in Disney's pockets.

>>55976838
-22. The average dollar you "get" has been used by Disney 24 times already.

>>55976508
Dude, just be born female and get into middle management (nothing).

Be the reason companies go bankrupt and shut down™

>>55976508
they don't

>>55976838
Material self indulgence will lead to slavery. Spartan living and self sufficiency can starve the beast. Aspire to consume only what you can produce.

>>55976620
>>55976674
nah
this is bait

>>55976544
I make $15 an hour, work 20 hour weeks, and have plenty left over, also in the mid west. Stop buying funko pops.

>>55976918
It's real. I'm actually 130k in debt if you include student loans. But I have 100k in crypto so hoping it's all going to work out.

>>55976508
It's all on the credit cards

>>55976800
I thought it would be filled with lgbt shit but there was barely anything, just some merchandise in stores

>>55976508
>100-120k annual salary
>Takehome pay after taxes, insurance, 401k of 5000 monthly
>1900 rent
>60 phone
>280 Roth IRA
>25 internet
>100 gas and electricity
>500 groceries (including random snacks at work like coffee)
>No car
>No kids
>Don’t drink or smoke
>Have a 6 month emergency fund saved already
Leaves me with about a grand per month give or take to invest in crypto, save for a vacation, etc. I still rely on my job for income so I’m not wealthy. Also don’t own a house and could never afford one where I live. Can’t live at home because it’s too far from good jobs.

>>55976508
Some say if you don’t die with 8 figures of debt you never truly lived

>>55976508
debt

source: I'm in massive debt

>>55977206
missing opportunity to forego 401k and roth IRA for crypto. not like you'll get anything near 400% returns on that anytime soon

They are neet and play videogames! Bing bing wahoo!

>*Balding intensifies*

>>55977229
400% returns aren’t exactly guaranteed and I like the diversity of holdings. I have 1 full Bitcoin, and a couple other bags anyway. Besides I save money in present day taxes this way.

>>55976751
Yet you (a mouthbreathing incel) are not happy with life and are failing in all areas


Curious

>>55976815
Yes, they aspires to be bing bing wahooo!!! That's living life :^)

and cope """hobbies""" aka surrogate activity for incel

>>55976508
it s called options. made only 5k today so i m not good to comment here.

>>55976796
>Groceries $650
>>55977206
>500 groceries
What are you eating?!? I'm single and my monthly grocery expenditure is like $150. And I grill a nice steak err Sunday.

>>55977339
I eat only organic fruit and vegetables. I also take my wife out to eat at least once per month. That’s included in the $500.

>>55976508
I wonder this frequently.
The typical person blows everything they make, even if they have a shiny new car and house bought with debt, they still are left with nothing at all until these are theoretically paid off someday.
Someone I know that's senior to me at work was talking about how their 40k house down payment wiped them out the other week. This is a senior engineer making 120k+ for 10+ years in in BFN, USA.
I suppose they could be lying but on average people are statistically like this even at high incomes. I'm pretty normie but I'm still astounded by them.

>>55976649
>with wife
does anon even need to elaborate?

>>55977356
>Buys lunch every day
>Car is on payment
>Constant beer or nights out
>Sportsball tickets
People live to impress others. I value time more than money which is why I want to become financially independent, or at least be able to retire at 55. I still do things I enjoy, like traveling at least once per year. The real ticket is having cheap hobbies. I love reading and libraries are free.

>>55976508
Make more money, ez

havent worked since last bull market...take profits ya fagggits

>>55977339
I hate props like you

>OMG you don’t eat like a fucking peasant everyday

Yeah he doesn’t you retarded faggot.

>>55977387
well yeah, i know i have an autistic attention to detail about min/max-ing my budget but at the end of the day i have the similar numbers for income that my coworkers do.
we drive similar cars and have all-around similar "stuff" like you mention, we go out to all the same overpriced after-work events because we have nothing else to do, and so forth. but i cannot figure out where that extra 50-60% of their paycheck goes that I can easily invest for growth.
if i went around trying to be retarded with money, financing cars, not investing, i don't know if i could bring myself down to that level unless i started just giving away hundred dollar bills every day after work? my place would just look like a hoarder's den before i bought enough garbage.
i guess it comes back around to this being by design to keep the system churning, but every once in a while i get mindfucked by it

>>55977464
Ask them what they spend their money on. You’d be surprised. The most common answer will be “I don’t know”. That usually means they’re prone to small purchases that slowly eat up a lot of income. $100/week on coffee type stuff. It’ll open your eyes to how ridiculous people are. People who don’t bring lunch to work are a red flag to me for shitty spending.

>>55976508
>How the fuck are people still making enough money to pay their bills, eat, vacation, date, cars, investments, etc
That's the funny thing, OP.
They're not.
>t. personal bankruptcy rate has increased by 10% in just the last year.

>>55976508
The key is fixed rate mortgage. Rentoids can't afford shit.

>>55976508
The real question is how are people working at fast food places and similar living at all???
They're only maybe one or two rungs under me at this point yet I hardly have $200 of wiggle room per month

Yet I see these people living in houses and having health insurance? WHAT THE FUCK!?!!?

Where are the hordes of homeless destitutes?

>>55976802
>he thinks instagram reels are real life

Lol. The average normie doesn't have their shit together anywhere close to as well as their meticulously curated public social media suggests, I promise you.

Every thot without a job traveling the world has to ride a 50 year old shriveled sugar daddy cock to maintain that lifestyle, for example. Of course you never see that advertised in their Tiktok, though.

>>55976508

pro-tip they don't

>>55976508
They got in awhile ago. Didn't lose all their money on shitcoin rugs

>>55976544
Bullshit. I make $24/hr, average 30 hours a week, and I have more money than I know what to do with. Only way you're out of money working that much is if you're doing some white trash shit with 4 kids and a $800 truck payment.

>>55976542
Not true man simply not true. Sorry bud.

And before u respond I say maybe u need to go to school and get a worthwhile degree. Before u bitch about $ it’s called student loans and/or Pell grants. And btw go fuck your lazy ass

>>55976508
Last crypto bull run and now I'm waiting until the next bull run. Right now we're going to be seeing a lot of Bart patterns. It's going to Bart up, then Bart back down, then Bart back up.

>>55976544
How the fuck? I make $26/hr, work 25 hours a week and on top of an enormous car payment and rent I’m doing fine.

>>55977206
How are you only taking home 5000. I make 78K and take that much home each month and I put 6% into 401k.

>>55977176
how many Donald Duck dildos did you buy anon?

>>55977618
>800 dollar truck payment
do normies really?

>>55976508
Did well in school, are great problem solvers, and have excellent communication skills

>>55978072
Yes. Closer to 1000 these days. Many of them are welfare recipients too. I knew one welfare single mom hog who bought a new Ford explorer and was paying $700 a month. Goes to grocery store, pays with food stamps and loads them up into her SUV. Fuck Judaism.

>>55976508
Im a multi millionaire so this is all funny to me. I hope interest rates go to 20%

>>55976542
haha what
10k/month here I live like a king, 4000 tax, 3000 for mortgage, utils, etc., 3000 to live on
"food" being a big expense for you is actually hilarious, you have to be lower middle for that to be the case (or just a disgusting american who can't cook)

>>55976508
I don't make money, I get given money. Feels good man.

>>55976508
>anon doesn't know about debt
>anon doesn't know people make poor financial decisions
>anon doesn't understand that people will stop buying/saving costs on some products in order to keep appearances

>>55976508
I make $5500 a month after taxes. My expenses are about $3600 a month with my mortgage (i live near Kansas City KS). I have $20k socked away and my camry is paid off. Be smart with your money or learn a better skill. Im not doing amazing but im living comfortably.

Step 1 -- learn to code
Step 2 -- transition to tech

If you can speak English and read you can make the career change. I know Engineering Directors that were theater majors. Stop making excuses.

I went to coding bootcamp in 2017. Got my first tech job 9 months later. Here's my salary growth in that time:
- 80
- 90
- 136
- 145
- 187
- 260
- 310 <--- I'm here

Shits easy man -- just be good at communicating and tell computers what to do.

>>55976544
>I make $22/hour and work 50 hours a week and barely break even each month in butt fuck mid west America

same here exactly, no idea how people are working any kind of low wage job in higher cost of living areas. At least I can still have a 1 bedroom apartment in a nice part of town

>>55978400
damn bro, you only make $310 a year? that's rough

>>55978460
That's a solid salary in India you know?

I don't date or drive a car. My family has houses (plural) at the beach. They pay for my plane ticket. I invest my gibs. Pretty comfy.

>>55976508
i haven't been on a vacation in 8 years

>>55978363
>$20k socked away and my camry
>Be smart with your money

>>55976508
I earn $1200 a month and still manage to save $1000
t. Zogbot

mom and dad pay everything while I keep 100% of my paycheck

>>55978675
Uhh based?

>>55976508
Nobody mentioning parents? Nearly every waspy gen z I know has their parents subsiding their rent in hcol city

Do your bachelors
Get hired 50-60k starting
Move job after 2 years
Get hired 70-80k
Get a gf who did the same to split rent with
You now have a combined income of 140-160k in mid 20’s and half rent

>>55978363
Touchdown! Kan – sahz City!

if I couldnt play video games all day then I would want to have a career in a large midwestern city as well

>>55976815
It was easy to think that when we still had many secrets of the world left to uncover. Expansion in industry and science left us hopeful that we'd really ascend to something more.
The wish didn't come true. We're just smart apes who deluded themselves. The best parts of our existence are in the entertainment of each other. That means parties, clever stories, sex and novelty. If you're not engaging in these things with people you care about, you're wasting your life.

>>55978312
what's up with you cookfags
unless you are cooking for several people, home cooking is more expensive than goyslop
yes, it's considerably better, but not cheaper

>>55976508
Just moved my CC debt to a new 0% card for 36 months.
I'm now free for 3 years and can forget about forward planning.

>>55977618
> I make $24/hr, average 30 hours a week, and I have more money than I know what to do with
are you counting disabilitybux for being an obvious retard?

>>55978929
>more expensive
Niggawatt, you can make a hearty soup for like a dollar

>>55976508
they are perpetual slaves. most people have literally no savings.

>>55978929
wtf are you buying?
my typical day is (basically 90% of meals):
frozen berries w. oats, protein powder and dark chocolate
frozen vegetables w. egg/meat x2

I spend like 10-15 dollars per day MAX when I don't eat out

>>55978929
you are just absolutely retarded.

>>55976508
>have wealthy family
>get college paid for
>network into high paying job
>invest earnings
>retire early
>live on passive income
>rinse, repeat.

>>55976751
I agree tho, gentiles do exists and I stopped caring about waking them up. Eternal slaves.

>>55976508
im not lol

>>55976592
sometime i think investing is a meme, you think are smarter than everyone but then you realize most people live 100 years 20 of those you are kid tand 35 of those you are a grandpa
that leaves you 45 of adult life. in that time what do you do? save every penny in ever decreasing dollar? I mean even the US goverment rather be on debts because that way they win money by it losing value.

you save, save, save live frugally all your life and invest everything. then you reach 40-50 and if you were lucky to not get your investment crushed or some bullshit or you didn't die in accident, you have some money to have fun in ur 50s

is it really better than buying a really nice car in 20-40 which increase you status and then give you better tiches to fuck? and possible marry into, a better genetic pretty wife that will give you better genetic offspring etc.

don't think about it as black and white. it's defeintly not conclsuive that debt maxing and lifemaxing in your prime is worse than investmaxing in your prime.
never think that you are smarter than the guy who buy new BMW car in his 30s because he want to have fun. but what you do is put it all into investment that get crushed 10 years later.

SAM hyde is one that constantly shill against spending and tell you invest/savemax and buy 1995 toyota but then he goes car shopping and get a porsche gtr 3 which increase his life quality by substantial amount over you with your 2005 toyota corolla
> more fun
> more happy
> better status
> more pretty genetic cuttie pussy as result from higher status etc

what you gonna do? tell impress girls with your portfolio? the male sex has is always about peacocking in all animals. this is how you get PRIME pussy with good genetics in your prime. we can never knoiw what will happen in 20-30 years but we know for sure that the dollar weakens 3% yearly


I am not the one to do it and go full debtmaxing 0 investments and buy supercars, but I will buy good car and have some investments

>>55979762
>not planning to enjoy old age
ngmi, my 40s and beyond will be amazing
you neurotic chronically online people seriously need to touch some grass, literally just go be in nature for a while to remember how great life actually is
I will literally just tend to my garden, play boomer vidya, fuck my milf wife, cook, workout, hike/bike/swim/kayak, read, etc. - and I'm looking forward to it every day I wage

>>55979817
will it be tho?
do you have wife now as portoflio investmaxer?
I mean it could be but also could not be

what about someone who is ugly short and is investmaxing, what does he have to offer to young prime slut?

90% of men are the above

if you want prime better offspring. you gotta peacock in 25-35.

In the end genetics > money. if you peacocked good sexy waifu, you may have vastly better life quality with better quality kids etc, even in your 40-50s than fat ugly turd wife with autistic kids but HEY you got enough money to buy a house now in your 50s so good for you
Verification not required.

>>55976525
>DUDE JUST SPEND 8 HOURS OF YOUR DAY WAGING. JUST DO THIS FOR 40 YEARS. IF YOU DON'T YOU'RE A LOSER

>>55979957
I'm a 5/10 5'8 generic white dude with a 6/10 asian gf that makes me happy
I am not even playing the game you're playing, I simply don't care - "young prime sluts and sports cars" aren't even minimally related to my happiness

>>55976971
I'm a postie kek I was delivering a package and I saw it was a funko pop. I made sure to throw it around my truck before delivery.

>>55976508
The squeeze has been squoze.

>>55977814
>rent
>doing fine

>>55978929
This.

>>55980007
ye cool but that wont work for everyone. most guys with ur stats are not like that. they are 5'8 shy and just go home from work play video games and invest in shitcoins or some bullshit and lose all their money they worked for over 3-5 years anyway

>>55977339

My wife and I easily hit $600 a month with the only luxury is splitting an Aldi ribeye once a week. We don't even drink and this is in rural minnesota.

>>55978929
retard reddit take. and I even love fast food

>>55980306
any time you see some retard claiming like $50 a week on groceries, just know you're replying to a scrawny autistic retard that eats the literal same exact meal every day, <1200 total caloric intake. many such cases when it comes to autists.

>>55980284
so why preach defeatist bullshit about "needing prime sluts and being a millionaire" which just keeps these people (and yourself?) down? I literally just did the good goy route of waging and investing and now life is kino

I can't say that this is a universal problem, but I see a lot of friends and family members who are way overleveraged right now. If they were to get fired, they wouldn't have enough buffer to last past the 1-2 month mark.

For instance, a family member has an $880 per month car payment. Their spouse has a $600 per month car payment. The home they live in costs them $7,500 per month and an additional $1,200 in utilities. Add in car insurance, fuel, groceries and they are close to $12,000 per month in expenses (and that's before the miscellaneous spending - the club membership, etc).

They make a collective $240,000 per year, which is about $15,000 per month after taxes. That leaves roughly $3,000 per month for savings or investment, but they are heavy spenders on clothes and other things, so I know it's not being saved. I've had to loan them several thousand dollars over the last few months which tells me they have management and duration issues as well.

The economic climate over the last 3 years have rewarded irresponsible behavior. Unfortunately, I think a lot of people may crash and burn if we do get a real economic downturn where they lose their jobs.

Part of me feels like a loser for not living that lifestyle when maybe I *can* afford it, but I feel I'll be rewarded in the end by continuing on a path of making responsible financial decisions, living below my means and deferring the gratification.

>>55979762
the guys who fuck are not the guys with money.

the bitch who gets excited about a bmw whatever is not a higher quality bitch.

you can find lots of people who chose to live this life, at your local senior center living on social security. go find out how happy they sre

>>55978877
You don't need anything physical to ascend to something more. Those things are in fact a hindrance. You think there are no mysteries? The great fallacy of the modern mind is that we are capable of fully understanding the totality of the universe, that humans have no limits.

>>55977206
Imagine making 120k a year not evening owning a car like a modern human. You live like a caveman.

>>55976802
Youre a loser too, Anon. Your job is basically to demoralize and troll here.

>>55976544
Show spending list.

>>55977354
Then your a moron. Organic shit is a scam.

>>55980357
You’ve got the right idea anon. I was fired back in April from my gay tech sales job and have spent all summer doing whatever the fuck I want, not worried about money because I haven’t lived paycheck to paycheck in years. I most definitely could have over levered myself and got the new car, bought the flashy clothes, etc. etc.

In all fairness I was basically given a house during 2020 but nonetheless even if my rent were 2x where my mortgage is I would be in the same boat.

>>55980306
How are you two adults making 6k a month?

>>55977594
This I heard a turbo normie party boy say he hasn’t had a GF in so long he felt a connection to the nurse that held his hand while getting blood drawn a few weeks ago. Idk why they have to pretend everything is all good it baffles me. I think they try to off put how bad things really are with excessive drinking/drugs/partying and social life so they don’t have to reflect how disconnected we’ve really all become. Hylics are gonna hylic, always have always will. I’m not wasting my breathe trying to Red Pill Teh Normies, I’m gonna continue my own spiritual growth and creating a good life for myself and let my light shine through example. Anyone who likes what I can create is free to ask how I did it via meditation, gaining knowledge, skills, exercise, healthier lifestyle etc. but normies don’t want to hear that, they want to hear that all you have to do is party and get lucky bro!

>>55979982
the intense cope. You are a loser anon if you contribute nothing to the world.

>>55980357
7 years of plenty. 7 years of famine

>>55978611
Bitch made. You are also a loser.

>>55977339
"A nice steak every sunday" would be a monthly expense of $60+ alone. My weekly grocery budget (also single) is $75, and I can only keep it so low by eating dinner at the parents once a week (leftovers ftw). Either groceries are stupid cheap where you live, or you're living on red beans and rice.

>>55980306
>>55980339

This is most likely true - unreasonable cases of government subsidizing aside, the unitary costs of 1kg/lb of protein, cooking oils, and staple carbohydrates are remarkably similar worldwide, regardless of PPP.

Being generous with this estimate, 0.5g of protein per lb of body mass is enough to have moderate health and physical activity.

If one's grocery budget is 50$/wk, then without extreme frugality it becomes implausible to sustain any level of serious exercise due to inadequate nutrition.

>>55976508
paycheck to paycheck living. They have no savings. They have credit card debt that they will never pay off. They have dual income households. They're just existing on the fringes of life.

>>55978400
nice larp nobody believe u. I bet u are currently a faggot in bootcamp. nobody will ever hire you. hf compeeting against 500 per position and AI hammering at you

>>55976777
Checked and claimed

I live with my parents, so random big expenses that come up are no biggie. I'm always ahead at the end of the month.

Shit would suck if I were living paycheck to paycheck. In fact, It's crazy how I'm always hit with $500 things to pay for when I least expect it. Dental operations, new tires, some bullshit government thing, etc. Life just blindsides you out of nowhere expecting you to fork over a bunch of money that you didn't plan to spend.

>>55980794
Dunno man, I can eat nothing but organic free range eggs and cheese and veggies with $50/week and have something left for snacks.

>>55976518
Everyone in my social circle is college educated, 120k+/year, married, homeowner in the suburbs.

>>55976508
it's called having parents bro it's easy

>>55976508
Anyone have suggestions on a side gig?
Not some uber shit, but a personal, scalable online project.
15 years ago it was making authority sites and adding google ads.
Then it moved to shilling amazon affiliate links.
What are the cool kids doing?
I want to make $3 a day, then $30, then $300, which is a six figure income.
I came up with a plan yesterday, but found out it was illegal. I don't care, but the clients I was aiming would.

it's funny how many people here are projecting their miserable lives onto everyone around them, most people are doing fine, it's funny to see people assume everyone around them is poor or in bad financial health even when all the statistics say otherwise. I guess when you are poor you want everyone else to be poor like you so you don't feel like such a failure.

Credit card debt in the US is at an all time high - people are running out of cash to live their lives. And it’s only going to get worse when student loans kick back in this week. For the time being, people are fine with living on credit because they still think (or hope, really) that now the inflation is a bit lower again, surely prices will drop soon. Obviously that’s not gonna happen. At the same time, you can’t just keep accumulating debt. Something’s got to give. Americans need to either earn more or spend less, and the first part is not happening in this economy. Again, right now people are still getting into debt instead of lowering their living standards, but not for long.
I expect a massive economy crisis in Q1 2024 when people start to realise they really have to stop spending and demand will fall off a cliff.

>>55978929
>home cooking is more expensive
youre on a diff level of retard

>>55977852
I live in a high tax state.
>Gross pay 3980
>168.76 medical
>9.97 dental
>1.01 vision
>20 FSA
>230 401k
>234.43 social security
>54.83 med ee
>483.55 fed wh
>177.55 state tax
>12.66 state fee
Net
>2588
This is from a base salary of 103500. So yep, 2500 to 2600 take home. All insurance is for me and my wife too.

>>55978929
>immediately gets cancer
>files medical bankruptcy
>a-at least he saved money eating onions

>>55980599
Organic meat and produce is not a scam. Buying shit soaked in glyphosate is the scan. Enjoy your cancer and low t faggot.

>>55976544
I could live on 10/hour working 30 hours a week. It would suck, but I could. Where in god’s name are you people living?

>>55976508
They get loyalty rewards points from using CryptMI app dumbass. Start transacting now :)

"6/10"

sure ok

>>55981670
that's like $1000 a month after taxes. national average for a 1 bedroom apartment is $1700 a month.

>>55981693
You just made that up. Another anti home owning nihilistic doomer.

I rent my whole house out for $1600/mo a 3b2ba. You’re going to be poor until you die, I can tell. Get off this board and go play lotto.

>>55977494
>>55977464
What he said about dozens of small purchases adding up, as well as truly asinine decisionmaking. Shit like buying your wife a new car after you had a fight, making some stupid fucking record collection on a whim, buying your kid all the games he could ever play in a lifetime, etc
It’s called Parkinson’s Law, folks

>>55981073
He doesn’t know because he jumped into tech right before it got flooded.

>>55981748
I buy some physical media out of fear of it forever disappearing in the age of streaming. There are countless films that are not on any service. Shows that have episodes banned across all platforms. Records that are difficult to find. Books that are banned.

>>55981414
>this somehow excludes pay day to pay day debt golem living

>>55981738
>I rent my whole house out for $1600/mo a 3b2ba.
then you likely live in a flyover shithole where jobs pay $20/hour and that $1600/month is unaffordable.

>>55981693
>>55981738
I pay 700/month with all utilities included in a college town. Though, it’s about the lowest you can get here.

>>55981668
Yes it is you absolute fucking retard. Assuming your not buying dodgy meat your average chicken is just as good and goes through the same checks. Organic is just a label if you visit and organic farm you will see that the only fucking difference is the chicken has a cube to walk around in vs a cage to sit in.

>>55981863
>Not given antibiotics at random or at all
>Not fed hormones to grow larger
>Not given gmo grain to live on
>Given outdoor space to feed on insects
And that’s just the chicken. For cows it’s more. Your lack of information on the topic doesn’t change the facts around it. Get your test levels checked. Then your IQ. You are what you eat and you’re pure goy.

>>55981748

It is staggering how much people squander on money, but I strongly suspect this is not the reason why OP is struggling. OP probably just lives in a high-cost area, and the wage to cost of living index in most of the developed world has become fucked. Working Class/Lower Middle-Class people are actually getting dicked. I have little sympathy for genuine middle/upper middle class people who say this shit though. They are doing the kind of shit you are talking about, and also trying to keep up with the non-existent Jonses like retards. (Also, to the potential retard who will be like -Hur-hur I live in bum-fuck Albama I live high on the hog - its relative and even there it is now more expensive to live than it was before).

>>55981738

What a fucking LARP. Do you live in the middle of burn out fucking Detriot? Even in the most backwater of flyovers that makes no sense unless you are just under charging out of the kindness of your heart.

>>55976544
Jeezus.

I work 3-4 hours a week doing consulting. I make 2-3k a month. When fall comes around I will probably put more hours in.

>>55978929
Home cooking is only cheaper if you're making oliver-twist tier poverty slop. I cook at home because I can prepare gourmet meals better than 90 percent of restaurants. I buy high quality meat, seafood, and fresh produce on a weekly basis, and it isn't cheap. What's the point of cooking if you're just eating peasant food.

eating fancy food is gay, nutritional slop is king

>>55982434
>t.coping poorfag
What did you have for lunch today? I had filet mignon and crab legs with a caesar salad

>>55982508
more fag words, I ate a chicken and green stuff I put in the microwave

>>55981896
>implying gmos are bad
Have fun catching up manlet

>>55976621
They never do.
>>55976731
It's always the same.
>income: 10k / month
>rent: 4000 fancy loft
>car: 1800 payment for fancy current_year
>grocery: 1200 at "nice" grocery store, with prepared meals
>restaurant/alcohol: 2500 eating with friends at trendy places
>starbucks: 500
>Why am I so poor? Why is everything so expensive? I can't afford my utilities.

>>55976508
>eastern europe
>earning twice my wage
>saving up for a down payment on 100k mortgage to rebuild my childhood house
>house thats worth 15x what my parents paid for it 30 years ago
>house i will inevitably inherit
>dont buy shit i dont need
>dont do drugs
its literally that simple

>>55980525
If I'm earning that much money I'm definitely buying my dream holoride ready Audi QI

I make 42$/h but I live in Quebec so it all goes to rent and taxes

Couldn't tell ya bud, I'm a 1099 making barely 25k a year and I'm able to afford rent, food, a vehicle, and still save. I'm about to take out a small loan and start my own business. FInancial success is like weight loss, eat less than you burn, spend less than you make.

Easy, I live with my parents

>>55982773
>Quebec
so like $28 US $?

>>55982814
Their lowering dollar is a curse but mostly a blessing. Canada is food dependent on the US, but lower dollars means their wages are more competitive and that their locals will generally prefer to buy Canadian products when available, though their relatively strong global values probably ruins that and they probably spend too much on second and third world stuff.

>>55982870
it's not much of a blessing for anyone there who wants to purchase a house, I think Canada is close to one of the least affordable housing countries in the world right now.

My dad won't work and my mom isn't making any financial decisions. I either have to move out soon with my little nest egg or dump it all to save them from going broke.

>>55982881
Yeah I'm not actually sure how that effects housing affordability. I imagine Canada has lots of natural resources to build houses with and if that is true it would mean that their housing economy could be internal and relatively unaffected. Their housing is unaffordable because there's basically a global housing shortage and they import the most people per capita, is the primary factor.

>>55982912
well a large part of the unaffordability is that foreigners are buying up all their houses, if their dollar is cheap then that just makes it easier for the foreigners no?

>>55982962
Assuming their coming with savings and transferring then yes, but if the bulk of their wealth is made in Canadian dollars than no. I do not have statistics on this but word of mouth is it is mostly motivated poors moving there for a better life.

>>55983009
Assuming they're*
Sorry

>>55976544
Get a second job faggot

>>55976544
I live in a hyperinflated shithole making 200$ a month
Im having sleep for dinner

>>55983016
On the other hand at first I believe the immigration was wealthy Chinese so then it did matter and still does if they are still a bulk of immigration, but i beliebe thr bulk is poor indians now

>>55982732
why get an audi when when a bmw x series suv literally exist and I'm hearing they could be working on something similar with meta

>>55981455
There's more cash then ever before in the US just use some of that and stop complaining

>>55976508
By going to work, retard. You should try it some time.

>>55976544
I make $14.50 working 100-120 hours per week. I’m homeless by choice to devote almost my whole paycheck to savings, because I work 6 nights a week anyways doing retard caretaking. Sometimes visit my parents or a friend on my night off, but have been camping throughout the summer. Still have 4-5 entire daytimes off from work 48-60 daytime hours to do whatever I want. I want to become a house inspector during the daytime, but the weather has been so nice I’m just enjoying the summer. Currently sitting in the middle of a shallow river on a reclining lawn chair enjoying my day off. Have a 48 hour shift starting tonight though.

>>55983166
>48 hour shift

wtf, do you sleep at work?

>>55983190
Yeah when my retards sleep I sleep. So typically get at least 7-9 hours of sleep.

>>55976542
No. People are doing better than ever under Bidenomics. Its a literal Goldilocks economy right now.

it's like everyone is weary eyed (or cracked out on stimulants) and looking at eachother like "is it time for the bad times yet?" and then we see the people on the tv making new issues none of us actually organically give a shit about and we go "guess not" and keep trudging along knowing it could get far worse at any moment

>>55978815
>k that when we still had many secrets of the world left to uncover. Expansion


yeah, but I thought I could get rich without the degree, and my girl at the time was retarded

better late than never

>>55983072
You mean Meta doing what they know how to do best by copying another company's idea and innovation?

>>55980672
why would you contribute to a world that actively hates you and works against you?

I’d you’re not make at least $100k in 2023 you’re fucked. I’m at $120k right now and feel fine but not well off. I don’t have to actively budget but I’m also no some consumer retard who has to buy Jordan’s and eat out every day of the week. Granted I’ll still take my gf out to a nice Michelin restaurant once a month and do other things

>>55978955
banking on inflation collapsing your country

>400 IQ

>>55979707

had to skip 1,2,3, but fuck it coding is my last hope for 3 and neeting with parents to salary max over the next year or two.

then i can have 4-7

>>55979719
hate how true this is

>>55983310
Finding a tribe within it, consolidating, and exploiting the other tribes to build a utopian universe for your tribe.

>>55979957
the true black pill

>>55983323
im at $100k and my gf is at $40k and i still feel like a poorfag. life would be much comfier at $130-140k assuming my gf's income stays constant.

>>55983026
jfc I hate my country reading how everyone else is living

>>55980007
wish i had the jbw cheat code to endless easy mid east asian pussy

luckily my beard gives me endless Indian pussy for some reason

>>55980306
>rural minnesota

could've just started and ended with that

>>55979817


>>55979957
You can tell by this fags writing that he is poor ugly and stupid. Seriously, the other anon had a good suggestion - touch grass.

I have an 8/10 doctor to be tall gf who adores me while I drive my beloved 2000 rusty, dented Toyota 4Runner. I hate fags that think like you, so desperate.

>>55983072
Audi is clear, you would know bmw doesn't even come close if you understand cars bobo

my bi monthly paycheck ($90,200 yrly)
>87 taken out for health insurance
>277 for 401k

Federal tax
>554
>210 social security
>49 medicare

State:
>160
>30 for disability

I take home 2100 a month. My 90k salary turns into a 50.4k salary. I'm in california, people complain all the time muhhhhh state so expensive muh high taxes.

motherfucker, the federal govt takes out four times as much as my state.

>>55983701
take home 4200 a month***

>>55983701
Ukraine isn’t going to fund itself.

>>55976815
Eschewing something is only meaningful if you are capable of having it, anon.

No idea. My entire industry has been on strike since May and I’ve worked like 4 days on non union jobs since then. No end in sight either so I’m seeing my life savings evaporate. And everything is increasing in price from groceries to rent. Super not chill.

>>55983701
your fed withholdings are fucked up, so you should be getting money back when you file. too lazy to do the exact math but you're at: $90k gross - $8.7k between 401k and insurance - $14k standard deduction = $67k taxable. that should be almost exactly $10k in federal tax at 2023 brackets, or $420 per pay period assuming 24 pay periods per year.

>>55976508
Some of us trade crypto, buy QANX, and thank me later

>>55983897
Oh Interesting. I got a big return last year because I started the job half way thru the year.

I wonder why that is? My fed withholding is 554.80 per paycheck, with yes 24 pay periods thru the year. And what I posted above wasnt worded the best, all those deductions are per pay check, every two weeks. Left with 2100 per check.

A lot of zoomers/millenials I know are making it off of mommy and daddy's money. Others simply aren't saving, and are paying their entire patycheck in rent, phone, car, insurance, gas, food, etc. and are basically doomed to living a life of servitude.

I would say ~10% are actually doing well and living a middle class lifestyle by 30. I suppose a lot of this has been due to the bar for "making it" being so much lower now. People are fine with just paying for 2 meals a day, their phone (cheap entertainment), their car expenses, and taking some hoe out to Chili's once a week.

If they're a woman, 9/10 they're milking some dude for vacations/dates.

>>55979762
Gooooood goy, my goy boy! Buying female attention while Chad bangs for free?: Check
Getting loans so you can pay double the already ridiculously-inflated cost to have superficial shit right now?: Check
Getting married (hahaha suckeeeeeeer): Check

Peacocking ahahahaha you are a comedian 100% bro

>>55983737
Funds for ukraine came out of our normal military budget.... there wasn't any extra taxes to pay for it you dimwit. We all get shafted regardless if some poor people get blasted on the other side of the world.

>>55984118
>Ukraine internet defense force

>>55984239
im sorry you're retarded, I hope it gets better

>>55983936
BASED

>>55981414
>120k+/year, married
Poverty in current year if they don't own their home yet. Depending on the number of kids they're literally receiving government assistance.

Dave Ramsey is the only path to financial peace and prosperity. If you're not following his plan you're just being an obstinate faggot who resents father figures for attempting to guide you away from failure.

>>55976508
They have jobs.

>>55976542
Maybe you should learn some skills. You can't work at Burger King forever.

>>55976508
Work more hours and spend less money nigger.
>>55976525
>crypto scam
Bought the top and sold the bottom? Nah, that's too easy, you dont have money for crypto.

>>55976508
I have $100k in the bank yet the bank is almost definitely going to reject my renewal for my mortgage on my home because my income is too low.

>>55976518
Lies. Everyone hustled hard. Got good education and learned to network well.

Only neets and the socially incapable virgins have fallen behind. It's why we are here on biz.

>>55977626
>Before u bitch about $ it’s called student loans and/or Pell grants. And btw go fuck your lazy ass
Not taking a loan little faggot nigger.

>>55978707
>Ford explorer
Paying bills is easy if you're not retarded, me and my mom still eat pizza together but pizza is for fat fucks.

>>55979762
>sometime i think investing is a meme,
You people are beyond fucking stupid.

>>55980284
>invest in shitcoins or some bullshit and lose all their money they worked for
My portfolio still keeps going up.
Gonna buy a nice car and asian gfs too.

>>55980794
>If one's grocery budget is 50$/wk, then without extreme frugality it becomes implausible to sustain any level of serious exercise due to inadequate nutrition.
It's called eat meat and cheese with a big bowl of rice and beans you fucking fat fuck mutt.
>NNNNNOOOO YOU NEED 5000 PLUS CALIORIES TO EXERICE!!!!
Fat.

>>55982508
>I had filet mignon and crab legs with a caesar salad
You sound like you lick cum and brag about it.

i work 2 minimum wage tier jobs. I also get a few hundreds every month in dividends. Rent is only 550. No roomates. Just lucky to find this place. 2 cars paid off. Student loan that is not really a priority. Iam never worried about work or money, however everyone around me is. Lots of bitching about things too expensive. I never plan to have a family because all women are parasites, sluts and mentally ill npc.

>>55976508
theyre names are scum, there truly dum, and the live on hills durring hurricanes

>>55981670
Pnw

>>55985953
I feed a family of three on $100 a week. And we buy organic and eat lots of protein and fats. Stop ordering door dash.

>>55976508
debt.

>>55976508
I make $80k in Miami and am struggling. I don't know how people who make less can survive here.

>>55976508
i'll lay it out
>income
work: approx $4,000/mo (after all tax/withholding)
investments: approx $2,500/mo
side hustles: approx $250-500/mo (income, on net I generally lose money or break even. it's selling exotic fish/shrimp/reptiles I breed for fun)

>bills
mortgage: $2,800/mo (incl tax/insurance)
utilities: approx $300/mo (internet, garbage, electric, gas, water)
transportation: approx $350/mo (auto insurance, gas, maintenance costs)
groceries: approx $350/mo (could be much lower but I like nice meats, cheeses and imported liquor too much)
emergency savings/home maintenance: approx $200/mo

So I'm taking in about 6.5k and spending about 4k. The remaining $2.5k is usually split between investing, hobbies, and saving for vacations or major home improvements. Waging is the best way for most people to build wealth. Playing crypto slots is retarded and doesn't actually take much time if that's really how you're going to blow your hard earned money.

>>55976802
Make 16.50h
4 other roommates. Would be paycheck to paycheck to get a car.

>>55976508
Most people aren’t losers and have a stable job income and own a house

>>55976508
The
>changing face
My main manchot

>>55976508
Credit, that's how they did it

>>55977206
>1900 rent

>>55980284
Why the fuck would anyone invest in shitcoins, if you are interested investing then you should pick up assets with utility like CYMI, LINK and TRIAS.

>>55987116
That's a good bag. I hold a solid bag of ATOM, QRDO, HAPI, ETH, QANX and TEL.

>>55976508
>vacations
>dates
>cars
Mfw 20 and have 3 btc portfolio with a $21/hr job
Also use uber instead of wasting funds on gas

>>55976508
Land Value Tax would fix this.

No idea OP but my sales are through the roof. Normies have unlimited cash to buy Funko pops and dumb shit. A lot of stuff I sell are shipping to apartments and the $200+ trinkets are going to multi million dollar houses. I would have never got this money for stuff pre covid. It’s like they know their money is Monopoly money.

>>55977593
>Where are the hordes of homeless destitutes?
Have you not seen the massive tent cities in every American metro?

>>55976508
You'll continue to get fucked if you did not find away around. Peaqnetwork is about to future the power of mobility demo, a car that locates and pays for its own charging session and parking spot, completely autonomously. Join and be part of the world of DePIN

>>55976525
You’re jealous because you haven’t made it from crypto.

>>55982390
>What's the point of cooking if you're just eating peasant food.
time, nutrition and cost retard
how can you not deduct this on your own?

>>55987918
Probably the anon has invested on shitcoin when utility projects kept rolling cool features. 2blox enables people to earn rewards for collecting mobility data and they left algo to join Peaqnetwork. You know what that means.

>>55976508
wealthy parents, the end

>>55977635
No matter the scenario, my confidence remains unshaken as I steadily build my positions in XTP, DOT, and RIO. These are my steadfast long-term holds, Anon.

>>55981672
I'll get rewards for referring my circle to download the Tap app, Anon. I hold their multi currency account, Fag.

>>55982732
I'll buy that via a GFSC regulated fintech app. Will leverage its convenient blend of minimal fees and advantageous exchange rates.

I hate how so much of money money disappears before I even see it. My pay is a bit over 30 an hour and I work OT a few hours a week

>>55984050
Are the zoomers/millenials without degrees especially fucked?

>>55976508
It’s called a job. Yoi don’t have one cuz you have no skill and are greasy.

>>55981414
are you those things as well?

>>55976508
Where the fuck were you when people were investing in Qanplatform dumbfag?

>>55981414
<15% of the population makes more than 100k

>>55976508
They have jobs?

>>55976508
OP, have you ever heard of something called "a job"?

>>55976508
most people in the west don't live on some crazy level financially so don't spend too much but there is way more opportunities than in third world.
Third world doesn't have working economies and systems at all which is sad.

>>55977618
You don't pay any rent and live with your parents right? kys freeloader.

honestly I don't much care for taxes.

>>55983842
You are not eschewing the thing, you are eschewing the desire for the thing.

>>55976508
Unironically learned to code. Got it just at the cusp of AI fucking over starter tech jobs, brother that graduated at the same time as me still can't find a job (granted he's looking for remote but nobody's hiring a guy with no experience for a remote position). Also have parents that love me and aren't retarded enough to kick out their kids at 18 so I'll stop hemorrhaging money on rent soon (only left because work forced me to move but I'm approved to go remote now). Even if they wouldn't let me back in I make roughly 90k now, started at 85k a year ago. Take home pay is a little over $3600 after taxes, insurance, and cramming the legal max in a 401k. Rent is $1500 and that's about as low as you can get for a 1bed/studio in an area you won't get shot.
Some other anon asked a week(?) ago when I was relaying this info in another thread about location: job is in Atlanta, god knows why, I think the main reason people are even getting approved for remote now is because the commute to the office sucks such ass as a result

>>55976525
Jewfag, Qanx isn't some crypto scam

>>55992572
I wouldn't mind as much if there is was not so much bloat, you won't believe the departments and programs my state and city has. They literally sound like propaganda made up by magatards.

>>55977339
>>500 groceries
>What are you eating?!?
Not him but I have to pay for 6 people and it can be brutal.

>>55978665
Unbelievably based.