Why does it take so long to save

[Anonymous No.16364267]

Even when you make 6 figures and live frugally your net worth goes up slow AF. It’ll be decades before I have enough to retire even with a 50+% savings rate. Wagecucking wears you down frens

[Anonymous No.16364301]

>>16364267

I DONT WANNA GO BACK TO WORK ON MONDAY

[Anonymous No.16364313]

everyone else had to do it, so we have to do it

[Anonymous No.16364395]

>>16364267
>to retire
boomers are the last generation to "retire"
There will be no such thing as retirement for us.

[Anonymous No.16364559]

>>16364267
You will never make it just from saving.
You need to take risks. Put your extra money into stocks, options, chainlink.

[Anonymous No.16365459]

>>16364313
Ok. Boomer.

[Anonymous No.16365478]

>>16364267
you will never save anything because (((inflation))) will make sure it's impossible, better take a nice loan and start living to the fullest like a proper goyim

[Anonymous No.16365497]

>>16364267
6 figures is a boomer meme from the 50s, accounting for inflation and real estate especially, 7 figures are the new 6 figures. 6 figures is wagie class now and below is poverty class

[Anonymous No.16365507]

>>16365497
this. if you only make 600k / year and not living with your parents your retarded

[Anonymous No.16365600]

>>16364267
>>16365497
> Waaaaaaahhhh waaaahhhhh I'm in the 90th percentile of income and I'm not rich enough waaaaahhhhh
Show some fucking gratitude you whiny little cuks, most people dont make anywhere near as much as you do. If you have enough to save 50% of your income and have a comfy life that means you make more than you need. Most people are a couple missed checks from homelessness.

[Anonymous No.16365614]

>>16364301
buy eth :)

[Anonymous No.16365626]

>>16364267
>saving
>not investing
>posting on 4chan

blame yourself retard

[Anonymous No.16365636]

>>16364267
buy gold eagle coins from the mint, no tax on gains no tax on using them as payment, price holds with inflation

[Anonymous No.16365657]

>>16364267
That's shitmerica for you. Taxed to death to prevent you from escaping. This country is pure evil.
Just go all in btc. Your only hope.

[Anonymous No.16365668]

>>16365600
You're a complacent retard. Just because others have it worse doesn't make this situation "good". Imagine being this fucking retarded.

[Anonymous No.16365708]

>>16365497

I would say it's more like 300k is the new 100k. One hundred thousand a year used to be the benchmark because it was what a lot of highly paid professionals like doctors, lawyers were making several decades ago and almost everyone else was below that. Now doctors and biglaw types are making 250-500k while middle managers and engineers at no name companies make 120k.

[Anonymous No.16365721]

>>16365614
every monday morning the first thing I do is check my folio to remind me that one day I will have made it.
thats the only thing keeping me heading into the wagegrinder each monday. fuck mondays

[Anonymous No.16365787]

>>16365626
>investing
aka gamling

[Anonymous No.16365897]

>>16365668
> top 10% of the wealthiest nation on earth
> not a good situation
You're the complacent retard. You faggots will be miserable forever, regardless of how high you get you net worth, because you are incapable of simple gratitude. This is the reason most people wouldn't lose any sleep hanging you all from lamp posts. Sane people don't care that you make more money than they do, but they get pretty sick of hearing about how greedy and ungrateful you are.

[Anonymous No.16366070]

>>16365897
No, dumb bitch. Look up the definition of complacent, retard

[Anonymous No.16366118]

>>16365897
Also, look up Stockholm syndrome. Pathetic.

ALSO, I will destroy your anus with stats. Your "gratitude" bullshit shows you have down syndrome.


44% of 22-27 yr old college grads are underemployed (inb4 just do computer science as if everyone is capable of that. Even they have like a 24ish% underemployment rate for 22-27 yr olds: https://www.newyorkfed.org/research/college-labor-market/college-labor-market_compare-majors.html
Think about that. NEARLY 1/4 cs graduates aged 22-27 will be underemployed (don't know how it evens out over time. Still not amazing though. It's around 34% when including all ages and all majors). Also 1/4 college grads make highschool wages.
7/10 graduate with 29k+ in debt.

78% of full time workers live paycheck to paycheck ( *LITERALLY one paycheck away from homelessness and that is basically poverty* ). *42% of americans will retire broke* (so you give up the best years of your life being someone's bitch just to retire with nothing), 57% of americans can't afford an unexpected 500 dollar bill, 50% of renters are cost burdened (spend over 30% of their income on rent. Half of those spend over 50% of their income on rent), 30% of metropolis city jobs (where most jobs are created) pay hardship wages (not enough to move out with) and 32% pay livable wages (basically poverty) which leaves 38% that are decent (I say decent because you also have to take into consideration the toxicity of work culture. Also, some jobs ONLY pay livable or up BECAUSE of the hours put in. For instance, the average american works 47 hours a week. 49% work 50 hours or more a week. Both of which inflate the wage stats into looking better than it actually is), etc.

Welcome to the "land of opportunity" (load of bullshit).

[Anonymous No.16366132]

>>16364267
Keep at it bro. Compound interest is a beautiful thing

[Anonymous No.16366137]

>>16364267
You have to buy stocks, internet coins, and pieces of metal so your net worth can multiply.

[Anonymous No.16366140]

>>16364267
Because we went off a gold standard that's why. Under a gold standard you could be lower middle class working as a mechanic at Harvey's Car Oasis and easily have 4 kids with your white wife as a stay at home mom.

[Anonymous No.16366146]

>>16365897
>be happy you're a slave!!
>gulp gulp gulp gulp
The absolute state of bootlicker cum munching boomers. You are disgusting as fuck. You are no man. You have no backbone. You have no real pride. No masculinity. You live to be a submissive bitch and to rat the crumbs your employer feeds you. Absolutely disgusting. Absolutely degenerate.

[Anonymous No.16366153]

>>16366146
*eat
not "rat"

[Anonymous No.16366157]

>>16366140
This dream is never coming back man. Even with the gold standard. In the 50's 60's and 70's the US had the benefit of exiting WW2 with 99.9% of its infrastructure intact. For the next 30 years everything that was decent quality or above was made in the US. Once the rest of the world caught up it was only a matter of time before single earning households became a dream

[Anonymous No.16366159]

>>16365708
In the 1940's the avg NYC rent was 40$/month.

40$ back then equals $785 today.

Today the avg Nyc rent is 3,800$

[Anonymous No.16366184]

>>16365787
>Researching the market and investing in companies with strong fundamentals is just gambling goy dont do it just put your money on saving accounts with 0.02% interest rates and work for 50 years dont look into how millionaires make their money

[Anonymous No.16366187]

>>16366118
All by design goy

"If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their Fathers conquered.... I believe that banking institutions are more dangerous to our liberties than standing armies.... The issuing power should be taken from the banks and restored to the people, to whom it properly belongs." - Thomas Jefferson

[Anonymous No.16366224]

>>16366118
I clearly struck a nerve if you had to reply 3 times to one post. You're clearly a retard that can't read, go back and read the whole thread. All those stats support my argument that OP is a whiny faggot. He makes over 100k and has 50% of his income to save. He is in the 90th percentile of the richest country on earth. He saves more money per year than 99% of people on this earth earn. He's bitching that its not enough. You're a faggot for supporting his ungrateful bitching. Seriously go neck yourself.

[Anonymous No.16366228]

>>16366157
Our Jew communist govt ALLOWED the world to catch up. How does Japan go from completely obliterated in the 40's to a technological giant by the 80's?

Production = purchasing power. Remember that.

[Anonymous No.16366241]

>>16366159
cities used to be the cheap place to live because you got less. Now it's the expensive place to live.

[Anonymous No.16366243]

>>16366184
>and investing in companies with strong fundamentals
everything is priced in dude, it's all gambling, multi billion dollar funds with professional algos written by 300IQ virgins and top analysts will not slip out a single dollar to the average joe
it's all gambling because it depends on action of a few dudes in the FED etc and you have no inside knowledge on what thye're gonna do, they may keep cutting the interest rates and one day the raise it back up just to show people that they don't know shit, while their rich buddies get out of stocks/real estate and then back into it again

The boom and bust cycles are created on purpose to let the rich insiders get richer and richer during each shake out

[Anonymous No.16366249]

>>16366157
The issue is we started raising taxes a good amount. So lean competitive businesses would just start writing shit off; hiring family members and became uncompetitive. Why work when taxes are so high?

[Anonymous No.16366251]

>>16366228
>How does Japan go from completely obliterated in the 40's to a technological giant by the 80's?

Work ethic and social cohesion coupled with American protectionism.

[Anonymous No.16366261]

>>16366224
How are you this fucking dumb?
1. most americans are fucked
2. even ignoring that and looking at JUST op, that is still not an amazing situation.

It isn't about being "ungrateful". It's about not enjoying getting KEKED.

AGAIN, you are COMPLACENT. You are bitch made so you can't comprehend why being cucked is total ass. You can't understand because you love it. You have low expectations and are not ambitious. You're a pushover.

[Anonymous No.16366266]

>>16366243
>ITS JUST GAMBLING GOY JUST LIKE GOING TO THE CASINO AND BETTING EVERYTHING ON RED DO NOT RESEARCH AND INVEST JUST KEEP YOUR MONEY IN BANKS STAY AWAY FROM INVESTING YOU ARE TOO STUPID TO DO IT

[Anonymous No.16366296]

>>16366241
Bullshit. That's called inflation dude. Your wealth is being stolen through inflation.

40 years ago almost nobody lived with their parents when they were of the age of the current millennials. Now it's like 1/3rd of millennials live with their parents? And 78% of America lives paycheck to paycheck?

That's fucking 10000000% happening because our currency is a fraud and all of our wealth is being stolen through inflation

There is a ying yang to everything. Wagies who can't get ahead but have some savings... they NEED to put their savings into silver and gold. You will fucking make it when the reset or currency collapse happens.

[Anonymous No.16366298]

>>16366261
The thread isn't about most Americans, it's about op not increasing his net worth as much as he would like, despite already being in the top 10%, and you are defending him like a kike loving faggot. Jesus you are probably the biggest retard I've seen on this board in months.

[Anonymous No.16366320]

>>16366266
that's not what I'm saying retard, the whole point is that if there was no inflation nobody would be forced to gamble,
according to you a dentist or a plumber after an 8-10h day of work have to go home and spend even more time reading tea leaves about stock markets/precious metals/crypto/real estate competing against multi billion dollar funds, that sure sounds like a good idea
instead of just letting people save their money as you normally would with non-inflationary money

[Anonymous No.16366332]

>>16366251
WRONG. The Japanese govt was devastated. They couldn't stop the people/market from free market capitalism. If gooks were so hard working and work ethic then they would have been as successful as America before ww2.

America embraced freedom then govt started getting too big after WW2. We (((purposely))) blew the lead we had on the rest of the world. Meanwhile Japan embraced what made America great

[Anonymous No.16366337]

>>16366298
Just because he is in the top 10% doesnt make him "one of the tucking jews" so calling me a "kike lover" is down syndrome incarnate. At the end of the day, he is a bitch like the rest of us wagecucks. Only difference is he can escape sooner, you dumbass dick sucking faggot.

ABSOLUTELY stupid. Only a retard would be "grateful" in being a slave. What a fucking cuck.

[Anonymous No.16366371]

>>16366320
>according to you a dentist or a plumber after an 8-10h day of work have to go home and spend even more time reading tea leaves about stock markets/precious metals/crypto/real estate competing against multi billion dollar funds, that sure sounds like a good idea
>researching the market is equivalent to reading tea leaves do not waste your time on it just wage for 50 years and put everything in savings accoutn at your local bank plumbers and dentists arent as smart as bankers and that's why they cant understand the magic of the market just let the investors handle that and STAY AWAY FROM THE MARKET

[Anonymous No.16366397]

>>16366337
If you cant find happiness being in the top 10%, you wont find happiness in the top 1%. By your logic Jeff Bezos and Mark Zuckerberg are also just wage slaves of a higher status because they dont sit around and collect money. Also, I never called him a kike, I called you a kike. He's just ungrateful, and making more money won't make him happier. Go read some fucking books retard because you clearly have no fucking clue what you're talking about.

[Anonymous No.16366404]

>>16366320

>that's not what I'm saying retard, the whole point is that if there was no inflation nobody would be forced to gamble,

The unirony of this is they only need to put their (((money))) into gold and silver. They have been led to believe that they need to keep it in the market to beat inflation.

Then the floor drops out from underneath and everyone is devastated. You'll never hear an American politician tell the public to put their money into gold for protection

[Anonymous No.16366446]

>>16366371
I'm not saying don't invest but the FED can pull the rug out of your investment any moment, you may buy some stocks and feel goog about it next thing you know some faggot decided to raise interest rates and your boomer ponzi is going down,

>>16366404
gols is obviously better than the us shitcoin but gold has its own natural inflation which will be higher the higher the price, not to mention all the paper gold on the market to suppress the price
if beating inflation of fiat was as easy as buying gold the jews would either make it illegal or find a way to cuck and control gold's prices
so the only investment thesis for gold I see is when you expect hyperinflation of fiat and a total shitstorm with the economy, a reset, but who knows how log it will take, maybe many decades

if there was no inflation there would be no problems like that

[Anonymous No.16366475]

>>16366397
Dude, why are you so fucking dumb? The difference between the top 10% and the top 1% is freedom, idiot. There is NOTHING threatening the survival of the top 1% so they can afford to pursue HOBBIES (which so happen to be investing for the 2 people you mentioned).

>I never called him a kike, I called you a kike
I KNOW you called me one and I corrected you. You did call him one too or else it would make NO SENSE to call me a "kike lover for defending him". idiot. Trying to save face but just eating shit by my btfos instead. Anyways, lucky cuck, I have to go to work now. This is the final btfo. You can keep responding to try to save face, but we can all see you're a retard that is straight up lying to try to morph your words around to not look like a fucking dumbass bitch.

[Anonymous No.16366486]

>>16366446
>boomer ponzi
>years of uptrend

stonks are for BOOMERS you hear me? BOOMERS! Do NOT invest in the market and DO NOT research it! Just keep your cash in a good goy savings account you do NOT want to be a boomer and invest in the market you are too stupid to do so. All the cool kids are investing in funfair and turtlecoin do not even think of touching the boomer market

[Anonymous No.16366525]

>>16366486
stocks are going up only because the kikes print more and more fiat, they are not going up in relation to real estate or a loaf of bread,
but the problem here is you safely assume that it will stay that way, sound too easy for me, the jews want everyone to think that stocks are the ultimate store of value and then guess what, that's exactly when they pull the rug from under everyone

[Anonymous No.16366540]

>>16366525
>stocks are going up only because the kikes print more and more fiat
>btc growth is organic tether is natural do not diversify and follow money making opportunities

[Anonymous No.16366542]

>>16366475
>making enough money to own a home, raise a family on one income and/or save over 50%
>not freedom
Maybe one day your communist fantasy will come true and everyone can just not work and have all the stuff they want. Until then, people will have to work and your sympathy would be better placed on the people who live paycheck to paycheck and not on the people who have so much disposable income that they can throw half of it in savings and investments and still live comfortably.

[Anonymous No.16366620]

>>16366540
listen here you moron, just because you got early on a bunch of shitcoins or lucked out with some stocks that doesn't mean that it's normal, I made good money in crypto too but I'm not gonna pretend like it's a fair system, there is always only a few winners and a whole bunch of losers,
in a non-inflationary economy nobody would be a loser, everyone would have equal chance at saving money but you're too much of a noseberg to admit it

[Anonymous No.16366763]

>>16366620
>only those that got in early can profit
>Spend all your free time cooming to anime traps instead of researching the market because the system isn't fair so why bother
>in my imaginary economy NOBODY WOULD BE A LOSER everyone can WIN just for existing

[Anonymous No.16366940]

>>16366118
>78% of full time workers live paycheck to paycheck ( *LITERALLY one paycheck away from homelessness and that is basically poverty* ). *42% of americans will retire broke* (so you give up the best years of your life being someone's bitch just to retire with nothing), 57% of americans can't afford an unexpected 500 dollar bill, 50% of renters are cost burdened (spend over 30% of their income on rent. Half of those spend over 50% of their income on rent), blah blah....

Sounds like people make bad financial decisions. like just save money LMAO

[Anonymous No.16367137]

>>16366228
this
>>16366251
Americas government took the post war economic boom for granted while the asian countries invested heavily in education & public infrastructure (trains etc.).
Couple this with the American racial cohesion being eroded from external (immigrants ) and internal (race relations) forces and you get a country that just sits around and watches itself degrade vs one that actively builds it's future

[Anonymous No.16367139]

[Anonymous No.16367170]

>>16366332
>t. retard that doesn't understand the posts he replies to.
>>16367137
>muh racial cohesion this is why the American golden age of industrialism coincided with the time where immigration reached historical highs in the early 20th century

[Anonymous No.16367273]

>>16366620
American savings rate is laughable right now, what makes you think people would suddenly get better with money?

[Anonymous No.16367292]

>>16367170
The immigrants thought of themselves as American. Today's think of themselves as other, or American-other

[Anonymous No.16367551]

>>16367170
90% of immigrants before the 1970s were from Europe you absolute brainlet.