/biz/ - Business & Finance

[Anonymous No.13101541]

Describe the most extremely frugal life you could stand to live. (Must be independent and not relying on any gibs. You can also choose any location.)

I would just get like a shitty $400-$500 car off of craigslist or facebook marketplace that I would use as a box to sleep in, I'd go somewhere south with moderate weather year round. I'd get a $10 a month membership at planet fitness and use it to shower, use wifi, and work out. For food I'd go on a keto diet where I don't have to cook and just eat a dozen raw eggs and like 4 servings of canned sardines per day. Those two foods are really nutrient dense and cheap. I also might eat some straight butter if I need some more calories. The only nutrient I'd be missing is Vitamin C so I guess I'd just eat a lemon once and a while to avoid scurvy. So it would cost me around $10 a day to maintain my lifestyle assuming the car is already paid for. So I'd just need to get a part time job and only work like once a week to get enough for the week.

So now I'm free to take reckless financial risks knowing I have a backup plan to survive with only $10 a day and would probably live healthier than the average american.

[Anonymous No.13101588]

>>13101541
how about squatting a abandoned building? invest building something durable where you can lock yourself in so its safe. seems like you have nothing to loose anyways....

[Anonymous No.13101609]

>>13101541
What about internet and power? I guess the library...

Just did the math and if you want to be fancy you can get a starbucks coffee every day and it will only be $70 a month. I know a family owned one by me would be more like $50

[Anonymous No.13101623]

My company has 26 floors. I could find an obscure room and sleep there to save rent.

[Anonymous No.13101632]

>>13101623
Not just rent. Water, AC, heat, wifi. It even has a gym with late closing hours lmao

[Anonymous No.13101677]

>>13101541
> I also might eat some straight butter if I need some more calories.

Thanks op, that actually made me smile for the first time in a while, these bags are so heavy rn

[Anonymous No.13101734]

>>13101677
lol. Wasn't even a joke. If I were in ketosis my body could easily convert saturated fat into energy. It would be like eating a bar of fuel. Just don't eat sugar or inflammatory seed oils with it because that's probably what causes heart disease when combined with elevated LDL cholesterol.

[Anonymous No.13101748]

Americans have such a shit life they fantasize about living like hobos and having nothing.

[Anonymous No.13101755]

>>13101632
Anon do it and live post through the night

[Anonymous No.13101768]

>>13101541
Would probably hit a few licks then go to South America or Southeast Asia and live an unruly life

[Anonymous No.13101770]

>>13101541
a beater car parked somewhere safe will still run about $100 a month in insurance, fees and other miscellanious expenses related to it. additionally, it gets cold in a large part of the US so active heating might be needed, perhaps with a camping stove.

still, it is better than a tent and usually less suspicious, unless of course you are camping in the deep wilderness where nobody will ever care to find you. but then food and wifi dont exist out there :)

i car camped for 3 months in a major IT company's parking lot. their security was too dumb to check the back lot, which was great because i was in range of their wifi and a nearby H Mart which true gentlemen know is the place for da weal kowloon poon

[Anonymous No.13101829]

>>13101609
>I guess the library

Not reliable. They would deliberately cut off the wifi to deter hobos like OP.

[Anonymous No.13101874]

>living in the car meme.

Yeah, and then you can start 'salvaging' electronics, or relisting garbage on ebay, right? Maybe 'invest' heavily into lottery tickets while you're at it.

[Anonymous No.13101898]

>>13101829
Best way is to smuggle in a mobile wifi router. Using the lan connection of a PC there and putting it inbetween all you need then is additional power via USB and you are good to go
https://www.ebay.com/itm/Mini-3G-4G-WiFi-WLAN-Hotspot-AP-Client-150Mbps-RJ45-USB-WPS-Wireless-Router-HH/201411732580?hash=item2ee5132464:g:M-4AAOSwYm5a2DcV

[Anonymous No.13101924]

>>13101748
>>13101829
I'm now in the top 1% of wealth for my age due to December 2017 but before that I'd always think about the cheapest way I could possibly live. It's still a good exercise to not fear losing everything.

[Anonymous No.13101932]

>>13101541
Wouldn't you get a van instead of a car? More space, privacy and you can insulate it better as the back has no windows.

[Anonymous No.13101950]

>>13101541
>raw eggs
>canned sardines
>butter
>lemon
the absolute state of burgerland

[Anonymous No.13101964]

>>13101541
if you're not a hardcore drug user it's pretty easy to live on nothing.

[Anonymous No.13101972]

>>13101932
Nah, a car is more bit more stealthy to sleep in. I used to have a Ford e150 and cops would bother me for no reason. I'm not that tall so what I'd do is put the back seat down, and in a sleeping bag lay half in the trunk half, half on top of the seat. I wouldn't bother building out a van or any of that shit that youtubers do. I'd just literally use it solely as a box to sleep in.

[Anonymous No.13101993]

>>13101950
I'd be in perfect health. All essential macro and micro nutrients covered plus no artificial onions garbage.

[Anonymous No.13102008]

>>13101609
Just get gas station coffee for a buck a day, add a bunch of milk/creamer for free cals

[Anonymous No.13102423]

>>13101924
Prove it cause you sound hard LARP

[Anonymous No.13102603]

>>13102423
OP here. posted from home originally and now posting from my business. I don't care to give any hard proof but in December 2017 I was one of the ones with big enough gains to start freaking out about taxes. (Over 1 million) It was still "ambiguous" whether crypto to crypto fell under like-kind exchange. Since I did a lot of trades between cryptos in December bitcoin.tax was showing that I owed a hefty sum due to realizing gain in "fair market value" that I wouldn't be able to pay if I didn't cash out. Well that fear was enough to make me dump almost everything in January at the first sign of it crashing, I also realized all the other big fish may be thinking the same thing. So that snapped me out from hodling all the way to the bottom even though I had been a hodler through everything else. Then there was an issue where I owed significantly less taxes using LIFO than FIFO. LIFO preserved a lot of my gains as long term gains which had a lower tax rate. It also split my gain up almost evenly into two years which allowed me to double dip into lower tax brackets. But there were no accountants in my area who would be willing to do it because most of them wanted to be conservative and pay the most amount to not get in any trouble. I found one across the country that catered to very "high end" clients and he got into a lot of sophisticated tax strategies like a charitable structure where you'd "donate" but then borrow the money back until you die. But we ended up using LIFO and flooding the IRS with pages and pages 8949 forms and they never questioned anything. Then he recommended me a Merrill Lynch wealth management firm, and I caught some gains from the stock bullrun. They gave me an LMA account that gives you a revolving line of credit so you can keep your money invested but also use it for other investments at the same time. So I used that to start a business.

[Anonymous No.13102639]

Stealth van (Ford Transit with the high ceiling) camping around town. I can easily survive eating mostly oatmeal, whole eggs and greek yogurt, things that are inexpensive and easy to prepare, as well as fast food. I think I would actually live like this if I had the "frick you" money to not have to worry about people judging me or needing a steady job. National gym chain membership + van is the patrician life

[Anonymous No.13102650]

>>13102423
Is that your find? Cash out before it goes to 20 cents soon

[Anonymous No.13102658]

>>13101993
>in perfect health
Ever heard of salmonella anon?

[Anonymous No.13102675]

>>13102658
I used to drink raw eggs all the time and never had a problem. Salmonella is mostly a meme anyway even if you get it most people have no symptoms or if you do you just diarrhea for a couple days. In fact I might start doing it again because it was pretty good for making gains.

[Anonymous No.13102678]

>>13101541
The life I currently lead. I earn $3500 a month working in South Korea as a teacher, I get a free apartment, and my monthly outgoings are about $300-$400 a month. I put all of my money into stocks and crypto and intend to keep doing this until I have enough money and dividends to just stop working.

[Anonymous No.13102696]

>>13102603
and now you live in a car

[Anonymous No.13102745]

Thoughts on finding an abandoned building and closing it off so bums/weirdos can't get in?

[Anonymous No.13102820]

>>13102745
I just wouldn't be able to sleep but I would probably do that if I were so poor that I couldn't even get the car.

>>13102696
I don't right now, I know it can be salt inducing hearing about someone getting a leg up but yeah. If I were to lose everything I'd probably live in the car, spend the absolute minimum of money required to live, work any job I can get, and gamble it all on cryptos again because escaping wage cuckery the first time was so good I'd do anything to do it again if put back in the situation.

[Anonymous No.13102977]

>>13101541
its illegal to sleep in your car in most cities. your car has to move or it will get towed

[Anonymous No.13103013]

>>13101541
>Describe the most extremely frugal life you could stand to live.
>So now I'm free to take reckless financial risks knowing I have a backup plan
You are wrong. Live like you described for a year, and you might be able to make that decision.

[Anonymous No.13103388]

Sometimes spending more saves more

For example, I find buying a 3k car is better than 500$ car because they tend to be less shit. No sense in buying a 500$ car and 4 months later have to get another or drop 2k to fix it

[Anonymous No.13103389]

>>13101874
I'm actually doing this (the salvaging that is). It's not a meme

[Anonymous No.13103445]

On a fucking beach

[Anonymous No.13104555]

>>13101541
Pretty sure 30% of floridians are living like this.
>t. floridian

[Anonymous No.13104580]

>>13103388
>buying $3000 car
>not buying 6 shitty $500 dollar cars and combining to make a mecha to fight off the other hobos

never gonna make it

[Anonymous No.13104605]

>>13101748
delet

[Anonymous No.13105187]

>>13101541
Working in oil and gas on site. They provide a trailer to live in and pay you a per diem while on site and your working salary. Trailers have wifi, showers, bed, kitchen and tv. Rigs are working every day except for rig move so get a cheap camper and hang out there for about a week then back to work. Clear over 100k with basically only food expenses and all other services provided.

[Anonymous No.13105290]

>>13101734
OK porndexter enjoy being sick

[Anonymous No.13105317]

Anyone else keep their house really cold? I've had the thermostat set to 45 all winter and have a space heater I run in the morning for a few hours then periodically throughout the day if it gets too cold but never overnight, and otherwise just bundle the fuck up and use a lot of covers. I also only use the heater in one interior room with no windows and one door I keep closed so I'm only heating a tiny area. Gas and electric has run me $100 a month all winter, whereas others I know spend well over $300 a month (some up to $500) on gas and electric. It's not really uncomfortable either.

[Anonymous No.13105842]

>>13101734
>eats bars of butter, straight
>can't have those seeds... Might give me heart problems...

[Anonymous No.13105936]

>>13102675
>>13101541
>>13101734
>>13102639

I have lived on about 800grams of raw beef a day for a year for 230€/month, i wouldn't even need electricity in my car kek. Raw milk and eggs are also good

[Anonymous No.13105952]

>>13101541

when I lived at home as a teenager I was pretty frugal because I didn't have a job and was broke. probably spent $1500 a year at most so if I had to live on my own I'd live with roommates and cook all my meals

[Anonymous No.13106790]

>>13101609
>you can get a starbucks coffee every day
>frugal
If you are prepared to live in a car then you should also be prepared to forego an overpriced cup of coffee, it's not hard

[Anonymous No.13106829]

>>13101541
>So now I'm free to take reckless financial risks knowing I have a backup plan to survive with only $10 a day
>>13101924
You've made a shit ton of money and you're still prepared to put it all on the line and risk it all for something better

Mirin hard. You are going to make it. I hope I have your balls when I make my first load of money. Never stop pushing forward. Comfort is overrated

[Anonymous No.13106867]

>>13101734
based, i also eat like a stick of butter per day. Make sure it's grassfed, preferably raw too

[Anonymous No.13107467]

>>13105842
https://drhyman.com/blog/2016/01/29/why-oil-is-bad-for-you/

[Anonymous No.13107541]

>>13103013
I have done something similar to it. It meets all my physical needs. You'd have to be a woman or a very weak willed man to not be able to hack it.