/biz/ - Business & Finance

No, just born that way.

Things are over-rated anyway. You're not becoming a miser ... you're getting wiser.

http://www.theatlantic.com/business/archive/2014/10/buy-experiences/381132/

>>562018
Does it run in the family?

>>562016
Well desire is the root of all suffering so I would say you're on a good path.

>>562028
Skipped a generation.

Live frugal for 50 years to enjoy 10 years of luxury when I'm physically incapable of doing anything or live modestly for 50 years and have no regrets.

Spend less than you earn, but have a fine glass of wine once in awhile.

>>562016
>nice things in the long run
What does this even mean?
What are nice things to you?

>>562044
Kek, I think it's the same for me. My grandpa was a frugal man, never had financial problems, comfy retirement and plenty to give away to his children and grand children later on. My father makes at least twice as much as him but he somehow spends it all.

He probably tried hard not to be stingy like his dad while I try hard not to have money problems like mine.

>>562048
Things like nice tech and nice clothes and nice trips and nice evenings out and a nice place to live and all that.

>>562050
very interesting honestly, I wonder if that's a normal thing...

My grandpa killed himself over a bad real estate investment.

>>562050
>>562065
It makes sense if you think about it. The Greatest Generation grew up during the Great Depression where you pretty much had to be frugal while the Baby Boomers grew up in an era of mass consumption.

>>562138
Are our kids going to be like boomers again?

>>562213
Nah, we'll be way too fucked by that point.

whats the average age on this board /biz/ ?

>>562213
you think millenials will have kids? birth control is basically free, we'll be the ultimate savers. no kids, no house, no house means urban living-no car or cheap one.
>>562016
this is called maturity.

>>562304

So what you're saying is, millennials are basically going to turn Japanese

>>562399
you know how the federal reserve just finished QE3? well japan is on QE11 and the shit hasn't worked.

housing/equity market collapses>gov steps in trying to save it>results in deflation anyway>gov keeps stepping in>doesn't let market clear>average person gets poorer>does not borrow money>velocity of money stays low>no growth.

there are more parts to this but essentially it results in those lost decades/generations we sometimes hear about.

>>562016
>Content to live my entire life in the cheapest apartment I could find
>Only blow my money on computer shit
>Don't even own a credit card
>No student debt because college

I'm probably going to be like those old people who work menial jobs but are or are close to being millionaires by the time they retire, and it feels good man.

I know this feel well

I feel like I have removed the crap from my life that doesn't matter, so I discover and can concentrate on what does matter. And for me that's personal relationships, usually with family and becoming a better person and also supporting my family where possible. The secret is to not live for yourself, but live for the sake of others.

>>562016
You can't be worse than me. I mooch off my parents (rent, food, laundry) despite having an annual income of $64K a year. I work two jobs that take up 70 hours (factoring in commute time) just so I have an excuse when other people ask me to accompany them to clubs/movies/sporting events, etc.

I don't have a girlfriend, haven't had one since 18 (am 23 now). The only thing I pay for are my gym membership and transit fare (have a license but don't want to pay car insurance/gas/etc.) and maybe $200 a year on clothes. My mom pays for my cell phone plan.

The thought of paying money makes me really angry. The people at one of my workplaces go out and spend $8-$10 every morning when the foodtruck comes by, on shitty food like stale pizza slices or cold burgers. I eat boiled vegetables and salads for gains.

>>562045

>drinking wine
>not putting red food coloring in collected rain water

enjoy being poor forever

>frugal
>find qt asian gf
>she is frugal, quiet, polite
>she has $100k in student loan debt

wat do?

>>562440
Find another one, there's over a billion Asians around.

>>562440
>she is frugal
>she has $100k in debt

>>562444
pretty much

>>562439
>buying food coloring
>not just blowing bubbles in your rain water with a straw you stole from mcdonalds
>champagne all day errday, bitches

pleb

>>562440
>$100k in debt
>frugal
You are a special kind of stupid.

>>562045
>Live frugal for 50 years to enjoy 10 years of luxury when I'm physically incapable of doing anything or live modestly for 50 years and have no regrets.
It doesn't work like that. The equation is more like "spend 15 years frugally and then retire", the years change depending on your savings rate.

I grew up with my mom and we were really poor but she hated to work.

Now I'm 26 and exactly like her. I'm really frugal but worked about 20 hours a week since I stop studying when I was 19.

I even took a year off in 2013 and still have more than 10k that I don't now what to do with.

I'm spending more than she did so I feel like a king even if I don't own a car and spend 20$ a year on clothes.

>>562440
>she is frugal, quiet, polite
>she has $100k in student loan debt

AHHAHAHAHAHAHA

>>562440
Depends on the degree. If yours or hers is anything that has the words "art" or "politic," then please don't move forward. With anything. Ever.

>>562496

You can add "studies" and "law" to that too

>>562438
>just so I have an excuse when other people ask me to accompany them to clubs/movies/sporting events, etc.
Shouldn't laugh but goddamn

>>562440
run like the fucking wind + sanic + flash

>>562438

This reminds me of my brother who makes 6 figures but still comes to eat at my parents place every fucking day - they live on one modest income. At one point my mom had enough and told him to start chipping in for the groceries.

He is middle aged and never had a gf.

>>562277
22-26

>>562428
>but live for the sake of others.
And when there are no others?
My only family is my mother and she had me by accident almos when being already old, and i learned how shitty 99% of people were when every single of family's friends left us to rot when we had economic troubles (without even asking them for anything), so now im paranoid and going to be left alone relatively soon in my life

>>562746

Have you attempted getting friends who are not shitty, or perhaps a pet of some sort?