/biz/ - Business & Finance

[Anonymous No.18479066]

If nearly 60% of the country lives paycheck to paycheck clearly the population doesn't have a budgeting problem. how could 150+ million people be financially illiterate?

It seems to me the majority of americans are destined to struggle financially for most of their lives. what's the point in working if you can't afford a roof over your head?

[Anonymous No.18479096]

>>18479066
>how could 150+ million people be financially illiterate?

None of this shit is taught in school. The level of economic illiteracy is insane. Also most people don't give a shit and can "get by" with knowing nothing.

[Anonymous No.18479134]

>>18479066
Why do you want people to be financially literate?

That’s just more competition for you.

[Anonymous No.18479192]

>>18479066
The abundance of labor force lowers wages, the abundance of advertising dwindles unspent discretionary income, the abundance of distraction lowers attention span, the lack of financial knowledge and planning leads to no accumulation of wealth.

HOWEVER, the vast majority of people in history have lived with little to no savings and wealth (land, buildings, knowledge) was inherited generationally.

BUT

This country still has the greatest opportunity to go from rags to riches if you are willing to believe it and stick with your goal. Ask God for the answer earnestly and a way will be shown to you.

[Anonymous No.18479218]

>>18479192
>HOOT
Owl man with the truth

[Anonymous No.18479287]

There’s so many stupid people in America it’s something to marvel at. Then again when you think about it the majority of the world is stupid as well.

[anon No.18479343]

>>18479287
sad really. but if you think about it, this is how society really is supposed to be. you cant have everyone being smart.

[Anonymous No.18479431]

>>18479192
Was based until the christcuckery

[Anonymous No.18479483]

>>18479192
>The abundance of labor force lowers wages

Not necessarily. What should happen is the cheap labor should incentivize people to create businesses to take advantage of the cheap costs. (Demand increasing to meet supply) but creating a business is very difficult because of regulation, so demand cannot meet supply.

[Anonymous No.18479523]

>>18479192
>Ask God for
fuck off, hope you burn in hell if it even exists

[Anonymous No.18479556]

>>18479343
yeah if people were smart everyone in the us that has a gun can form an army and take over the whitehouse

[Anonymous No.18479570]

Taxes and fees

[Anonymous No.18479649]

>>18479066
The US has a serious lack of financial literacy education. In most states, you don't need to take a finance class in high school. Establishing a financial literacy class as part of the curriculum would let kids be informed now instead of later.
Advertising and commercialism is notoriously aggressive, always with these "YOU MUST BUY NOW" types of commercials and adverts. A consequence of capitalism sure, though all out socialism is not the answer. Instead, we should be focusing on educating more people of financial literacy instead of what genders we can come up with.

[Anonymous No.18479676]

>>18479096

Yup. Just cut out the Netflix and Starbucks, snowflake.

*sip*

[Anonymous No.18479735]

>>18479192
>beg God for a hand out
Why would the richest man ever existing give you a hand out?

[Anonymous No.18480303]

>>18479676
This comment could have been written by a bot. It's basically a non sequitur

[Anonymous No.18480386]

>>18479096
>Bro why don't they teach about taxes and stuff in school? I know I could learn it all in 20 minutes from YouTube but I wanted it in school!

[Anonymous No.18480409]

>>18480386
>he doesn't realize there are entire degrees centered around understanding the tax code, finances and law

[Anonymous No.18480663]

>>18479431
>>18479523

It's easy to be a victim and blame others. But your lack of success is only because you haven't earnestly asked and had faith in the Universe, Reality, God, whatever word you'd like to use.

[Anonymous No.18480748]

>>18479066

Consumerism and a deepening of cultural, religious, and political divisiveness in the country.

[Anonymous No.18480844]

>>18479649
its obviously not in the interest of society that its citizens know how much of an absolutely raw deal they're getting. this is deliberate. furthermore, for things like mortgages, rent, require people to be dumb enough to sign up for them. I know this dumb faggot that signed up for a predatory mortgage and he's gonna wind up having to pay back 200k on a 100k mortgage. He can barely stay afloat with 16/hr fulltime and $1000 dollar payments a month. america wants retards like that

[Anonymous No.18480895]

The greatest/silent generation were savers and forward thinkers, scarcity thinking, the boomers and onward have become progressively more post-scarcity and consumeristic. Money in hand is money to spend, product of a society that hasn't known true strife yet. But eventually they will due to that. Cycles and regression.

[Anonymous No.18481104]

>>18479649
This. Financial education should be a pillar of education as important as Mathematics, Science, History, etc. Start it out in Freshman year/9th Grade and put graduation at stake if you do not understand basic finances.

[Anonymous No.18481124]

>>18480386
> I fucking love finances!

[Anonymous No.18481144]

>>18480895
Are millennials the new silent generation? Well, they're not "silent" but I think you know what I mean.

[Anonymous No.18481164]

>>18479066
Niggers

[Anonymous No.18481319]

>>18479431
People who sperg out at the mention of God or a higher order to the universe are disgusting untermench, and I say that as someone who's not even Christian.

[Anonymous No.18481426]

>>18481144

Nah. The silent generation was born into the crushing poverty of the Grest Depression and its effects. Millenials grew up being profligate, but they'll learn saving the hard way in the coming years.

[Anonymous No.18481449]

>>18479649
this isn't just a US problem
nowhere are the plebs thought financial knowledge so they can be exploited better
shit is still feudal in europe and downright slavery in the third world

[Anonymous No.18481454]

>>18481319
As an atheist I agree. If the past decade has taught me anything about religion it's that myth and superstition do not need outright fantastical elements. Religion is perfectly attainable in a secular fashion and the lack of self-awareness of many "atheists" only disappoints me.

[Anonymous No.18481458]

>>18481144

Fuck no. Couldn't be assed to have rent saved 2 weeks ahead of time.

[Anonymous No.18481477]

>>18481426
Ah, so millennials are whatever the "Roaring 20s" generation were? I'm starting to think that distinct generations start breaking down the further back one goes.

[Anonymous No.18481497]

>>18481458
Think that will be Generation Alpha or whatever comes after the Zoomers?

[Anonymous No.18481635]

>>18479066
>how could 150+ million people be financially illiterate?

A lack of education in school. A lack of perceived need by the public because they can't imagine a financial crisis occurring in their lifetime. Bad ass advertising that hits the public's retinas 24/7. Also the majority of people are what we would consider dumb. They need to be told what to believe and how to act, and this isn't their fault because they were just born this way. You can teach someone how to behave in a not-stupid way, but that doesn't make them not stupid, you know?

[Anonymous No.18481661]

>>18481477

The Goyest Generation.

[Anonymous No.18481755]

Let me tell you a story.

When I was in high school I struggled immensely with algebra. I took the class and failed it like three times between sophomore year and senior year. So in my senior year my school decided that I was simply not going to make it through algebra and so they decided to put me in the retard math course. What was the retard math course, the class that only the dumbest and most incompetent students took? It was a class called "Financial Math". In Financial Math we learned:

>What interest is and how simple interest differs from compound interest
>how loans work and the different types of common loans people take out
>what a mortgage is
>what inflation is and why it happens
>how to fill out a W2 form
>how to navigate bank account information, ie checking account vs routing number, how to set up direct deposit, etc
>How the credit system works, what your credit score means and how to pull up your credit report history

again, this is the class that only the dumbest of the dumb were even allowed to take. All the "normal" and high performing students were doing algebra, geometry and calculus for college and shit.

think about that, and you'll begin to see the bigger picture of why this country is as fucked up as it is

[Anonymous No.18481802]

>>18481755
This is both amazingly based on your part and amazingly retarded on this society we live in. At my age I fucking wish I could have had this retard math course that broke down the world of finances for people soon to be working adults. I had to figure it all out on my own.

[Anonymous No.18481813]

>>18479483
>because of regulation
Lmao

[Anonymous No.18481887]

>>18479066
These same people are walking around with the latest iPhone, latest trending clothes and shoes. They have a car payment that is way too high for what they make. They all have high speed Internet and Netflix, Hulu, Apple TV, Disney+, etc. to watch on a big screen TV they financed while sitting on their rent to own furniture. They smoke pot they can't afford and buy foods that are convenient instead of affordable.

[Anonymous No.18481917]

>>18481887
The remarkable part is if they would just take the time to record what they spend and then save for three to six months of those expenses they could continue to live like that with a margin of safety. Still won't work for them in the long term but still it's better than no savings at all.

[Anonymous No.18481936]

>>18481497

Whoever experiences and grows up in the next real depression, where "how will I eat" is a question once again. It isn't a depression until we're down the hierarchy of needs to food and shelter.

[Anonymous No.18481965]

>>18481755
I take from this that you should never let your short comings get you down. You were bad at math but you became educated in something so simple yet fundamentally important that you were ahead of your peers. I hope you took the knowledge that you learned and applied it as an adult anon.

[Anonymous No.18481982]

>>18480386
youtube didn't exist when a lot of us graduated you fucking zoomer retard

[Anonymous No.18482008]

I live paycheck because I empty my bank account soon as I get paid.

[Anonymous No.18482013]

I mean there's only like 7 periods a day for school and when you already have more important classes like:

1. Math
2. History
3. Gym
4. English
5. Foreign language
6. Holocaust Class
7. Science/Chemistry

That leaves no room for a finance class so most people in this thread are morons

[Anonymous No.18482046]

>>18479066
Jews debased the currency and gutted our industrial base

[Anonymous No.18482057]

>>18479066
>market needs to optimize prices using his laws
>If you live paycheck to paycheck it's your fault
>If nearly 60% of the country
retardation: the thread

[Anonymous No.18482131]

>>18482013
>That feel when got an A+ for all 12 years of holocaust studies

Because of my experience I'm kicking ass in my college level holocaust courses

[Anonymous No.18482134]

just overthrow the government and instill Faust readings/ Finance/ teach from the bible sheesh incels or are you tumblerinas going to bicker over its DA JOOOOOS faults? sheeiiit yall niggas lackin

[Anonymous No.18482185]

>>18482013
>6. Holocaust Class

[Anonymous No.18482206]

>>18481887
>muh frivolous spending

Yeah, sure, but our modern economy and work force has been built up around frivolous spending. All the dog walkers, VR cafe attendants, the endless sea of restaurant staff. All these people have jobs thanks to the spending habits of Americans.

And so you come to the realization that our big ass cities with all our modern conveniences is only achievable in capitalism when combined with frivolous spending. If we were being smart and saving, then more people would be working in the core economy, there would be more public transportation, people would live closer to where their food is grown and we wouldn't have as many choices in luxury goods to throw our discretionary spending toward.

We're also in the perfect position to get fucked by a downturn. If everyone decides to start saving then retail is gonna get fucked. Commercial property is gonna get fucked. All the people whose jobs rely on frivolous spending are gonna get fucked. With all the unemployed and broke assholes out in the street (over 30% unemployment in my opinion), then the government will have to transition to a new economic system because you can't expect 30% of people to just starve and die without putting up a fight, and this transition won't be smooth and society will break.

Just my thoughts.

[Anonymous No.18482279]

>baww they never taught it to me in school, I had to learn trigonometry and algebra instead
You are delusional if you think that just because they don't explicitly teach you how to calculate interest payments or what a mortgage is, you can't learn on your own. Higher-level math gives you all the building blocks you need to learn anything they teach in retard school (financial literacy). Even if you didn't have any education in math, you could learn all the basics online. It's not a matter of a lack of teaching, it's a lack of caring. Most people are stupid sheep that literally don't care if they live paycheque to paycheque, because they're still living.

[Anonymous No.18482302]

>>18482206
In the short term this is true but in the long term a society built upon saving, investing, and personal and business financial responsibility would be hedged against economic downturns.

[Anonymous No.18482354]

>>18482302
shut up nigger licker

[Anonymous No.18482365]

>>18482279
>You are delusional if you think that just because they don't explicitly teach you how to calculate interest payments or what a mortgage is, you can't learn on your own.
That's not the point though is it, you fucking dumb ass?
You can learn ANYTHING on your own. Does that mean that schools have no obligation to teach you things? No one is saying that you can only ever learn about finances when you're a teenager in schoo, but yes you are ABSOLUTELY being set up to fail by the System if it only teaches you erroneous bullshit like the pythagorean theorem.

[Anonymous No.18482404]

>>18482279
Just because we can learn on our own (and that is likely almost all of us) doesn't mean that we should stand for it. Financial illiteracy is not something that has to be secrets of the ancients for us to discover on our own. The average teenager will understand that they like money and that they want more of it and if they were taught about interest and compound interest they might take savings and investment more seriously when they get out into the world.

[Anonymous No.18482413]

>>18482365
>but yes you are ABSOLUTELY being set up to fail by the System if it only teaches you erroneous bullshit like the pythagorean theorem.
I am completely in control of my finances and never had a formal education in financial literacy. It takes 5 minutes to apply what you know towards financial calculations. But you don't care about that, you're a brainlet who struggled with high school math and so you justify your retardation with claims like "the pythagorean theorem is useless, I'l never use this in real life".

[Anonymous No.18482442]

>>18482413

[Anonymous No.18482464]

>>18482302
>In the short term this is true but in the long term a society built upon saving, investing, and personal and business financial responsibility would be hedged against economic downturns.

I agree, but that's not where we're at at the moment and our modern frivolous society spans from coast to coast and the big cities are in the perfect position to get fucked.

[Anonymous No.18482469]

>>18482442
>Any entire country is literally incapable of financial competency because they weren't explicity spoonfed it
I actually pity you Americans. You're pathetic.

[Anonymous No.18482629]

>>18482464
Oh of course. It would take a generation at least to learn it and at least another to be taught it. It will not happen overnight by any means. And in the meantime infrastructure is built around said frivolity.

[Anonymous No.18482661]

>>18482469
Whatever, you've shown your true white and blue colors already.

[Anonymous No.18482779]

>>18482404

I think it isn't just a lack of financial literacy but also a perceived need for it. No one is truly starving in the US. We have a ton of social safety nets. Lose your job today? No problem, there's unemployment, SNAP, you can lean on friends or family, the eviction process takes months so you can figure something out in that time. In the old days if you missed rent then Mr. Goldstein would send a couple goons and you'd be out in the street the next day.

We are so far removed from the hardships this world can offer that we've collectively dropped our guard. The incentive to save at all is just to grow our riches and have MORE discretionary income. A bigger house, faster car, cooler toys.

I think in conjunction with financial literacy training, schools could teach just how bad things could be for all of us. I'm not opposed to "free college", but I'm opposed to keeping people out of the work force until their early twenties when they could be learning a trade or starting a career, especially to teach them something useless like queer feminist theory. I wouldn't be opposed to subsidizing the school training for a doctor, but only if the student shows the intelligence and work ethic required to be a good doctor. I especially support this because if healthcare is going to become affordable then doctors don't need to be saddled with debt right out of school.

[Anonymous No.18482959]

>>18482779
Good points. I don't believe that these things are not taught out of malice. I think it's simple ignorance bred by a prosperous bigger picture as you note. My hope is that 2020 is a wake-up call for a lot of Americans to spur them into more austerity and to be mindful of more long term financial opportunities and necessities.

It's been a mere month of soft quarantine for society but an Anon can dream anyway.

[Anonymous No.18483088]

>>18482959
>My hope is that 2020 is a wake-up call for a lot of Americans to spur them into more austerity and to be mindful of more long term financial opportunities and necessities.

No. Americans will be angry and looking to blame someone for what's happening. They'll vote for the candidate that says "it's not your fault, it's their fault" and we'll go to war with them (or be defending ourselves).

[Anonymous No.18483134]

>>18479066
The average normie's financial "philosophy" is literally and I mean literally "if I have money left over after I paid my bills, why shouldn't I just spend it?"

[Anonymous No.18483451]

>>18481755
Some of that shit was in my HS's financial literacy class but people didn't take it that seriously.
And then they wondered why they were poor.

[Anonymous No.18483649]

being financially literate doesn't help when you just don't make enough to increase your net worth even with extreme budgeting. the answer as always is "get a better job" and "make more money" and I wish you good luck with that

[Anonymous No.18483682]

also lol @ thinking the ruling class wants you to understand how this system works. they want you to go and consume and be good little debt slaves

[Anonymous No.18483700]

>>18483649

Give me a break. Even the poorest 20% blow dough on nice TVs, game systems, shoes, eating out and booze. I grew up in an austere spartan household around these idiots.

[Anonymous No.18483752]

>>18483649
I used to be a comic book shop wagie before I got a clue and learned how to weld and became a pipefitter. It can be done. For every excuse there will be an anecdote.

[Anonymous No.18483771]

>>18483752

Especially in the literal richest economy on the planet. People bang on the doors to be let in here for a reason. There are places where you factually cannot leave your class. Indian slumdogs have no options... AT ALL.

[Anonymous No.18483805]

>>18479066
A high percentage of people are already sub 90 IQ. The rest is explained by a society where consumption and debt are both encouraged or at least not shamed.
There are systematic problems, but most Americans have no excuse for not saving.

[Anonymous No.18483818]

>>18479066
>major metro areas are insanely expensive despite jobs paying a little more
>inflations devalues your savings 2% every year
>people finance everything
>credit card debt
>student loans (a mortgage for most before they even buy a house)
>mortgage & car payment
>most can’t find a job with high purchasing power even after university

N E W N O R M A L

[Anonymous No.18483828]

>>18482046
Very debased and bluepilled

[Anonymous No.18483870]

Tell me, why does the greatest and ((((freest)))) captilist country on earth have a minimum wage?

shouldn't supply and demand be able to figure that out?

[Anonymous No.18483872]

>>18483818
sometimes I genuinely feel like the only sane person in an asylum. I can’t even imagine what 3rd worlders (& fairly wealthy south Africans) feel like in day to day life. I’m only a midwit too (110-120 IQ depending on the test)

[Anonymous No.18483887]

>>18479066
Retards and other non americans, here is how america works.
1. Kill the poor
2. Make it hard to succeed, so only the best do.
Why is there so much shit food, why is healthcare so expensive, why are universities so costly, why do you have to go zillions into debt to do things? Because if you are worthy you will come out such a champion.
I sympathize with insurance companies refusing to cover pre-existing conditions of any kind. Americans eat cheez whiz and drink a gallon of coke a day while smoing cigs, drinking, and doing drugs. We are the Usain Bolt of diabetes. Why the fuck would Cigna want to cover Jamal and Cledus who have been retards all their lives instead of letting them die? You get all this willing slave labor from people who don't have what it takes killing themselves to never make it so 10% of us can because we deserve it and are better than you. I love how america brings in the rest of the world because it makes more slaves of 99% of them, and 1% are ideological brothers.
Ideally, immigration would be zero and the gov. would focus on making things better for those living here, but good times make for weak men.

[Anonymous No.18483930]

>>18479066
The jews in charge want Americans to be financially illiterate

[Anonymous No.18484030]

>>18483887
based great filter anon, may the founding stock of this country arise to the glory of the stars!

[Anonymous No.18484089]

I was behind a girl in a store. She must've been 20. The girl behind the register was also early 20s. Girl behind register lets customer know she can save 20% RIGHT NOW on her $50 purchase if she signs up for their store card.

>"Is that like a credit card?"
"kind of!"
>"Ok, let's do it!"
"Ok, how much money do you make?"
>"Umm...IDK what do other people say?"

She was denied when the girl recommended a salary of $15k and this girl went to college so she undoubtedly have debt, but that's why.

The blind leading the blind. My kid will get a debit card young, and then, they will use my credit card attached to bank account with a couple hundred. I won't let them fuck it up, but they can watch and understand and learn what they're doing, instead of kicking them out of the nest and letting whatever happens, happens.

[Anonymous No.18484121]

>>18479192
>asking God to give you material wealth in this life
Protestant heresies get worse every year

[Anonymous No.18484667]

>>18483872
Midwits don't know they are midwits. ;)

[Anonymous No.18484930]

>>18479096
This
Is there any decent reason why basic financial, legal and political education just doesn't exist in most countries curriculums?

[Anonymous No.18484952]

>>18484930
Because it gets the plebs to start asking questions they aren't supposed to ask. You think it's an accident that most Americans are in debt?

[Anonymous No.18485382]

>>18482013
6. Is super important, to learn how jews are so innocent and fragile, turning your head off from bank control as "conspiracy theory".
Anyways, my boomer dad says "everyone lives under rent for house, lease for car, its a normal thing", i lend him money, and blames me for investing, buying used car, saving money, thinking i should forget the idea of buying things in cash because "its possible for 1% of people and i should not dream that way"

[Anonymous No.18485413]

>>18479066
Way more than 60% of people are really fucking stupid OP. You probably are lucky enough to live in a social bubble where most people you interact with seem normal mentally

[Anonymous No.18485459]

Tfw 25 still live at home
Got my trump bux and 2000 bi monthly salary.
Throw them 500 for rent and rest is all savings
Is there any reason i should move out?

[Anonymous No.18485528]

>>18485459
Not until you have 15k - 30k for a down payment on a house.

[Anonymous No.18485554]

>If nearly 60% of the country lives paycheck to paycheck

What's the percentage of the population that is colored or single mom trash? 60%?

[Anonymous No.18485587]

>>18481454
you might have changed my mind on atheism

[Anonymous No.18485610]

>>18479066
Government and how capitalism works isn’t really taught in school unless it’s some Marxist hot take on the subject. I didn’t learn about credit cards and stocks till I was 28.

[Anonymous No.18485624]

>>18479483
>but creating a business is very difficult because of regulation

[Anonymous No.18485639]

>>18484121
>worshipping saints

[Anonymous No.18485670]

>>18485610
Pretty much this, I remember in high school we went over money for a week tops, and it was extremely basic. You combine that with everyone just wanting new shit right now all the time, and you have people barely getting by.

[Anonymous No.18485692]

>>18479096
>None of this shit is taught in school
it is though, maybe everyone is just stupid

couldn’t be a structural issue because Jeff Bezos has money

[Anonymous No.18485770]

>>18485382
The first rule of FI club is you don't talk about FI club

[Anonymous No.18485808]

>>18482442
Fuck off you antisemite

[Anonymous No.18485860]

>>18485808
It's called jewphobia, a rational fear of Jews trying to steal your money which is rightful biz clay

[Anonymous No.18485894]

>>18482779
>especially to teach them something useless like queer feminist theory.
Honestly, how many students do you think are studying this stuff? Is it really that big a percentage that we have to worry about it so much?
>but only if the student shows the intelligence and work ethic required to be a good doctor.
Don't we already have entry requirements for universities? SATs, etc.

[Anonymous No.18485929]

>>18483134
i do not want to believe that, it just can't be true, are they really that dumb?

[Anonymous No.18485974]

>>18485929
They don't think it be like it is, but it do.

[Anonymous No.18485997]

>>18479134
competition breeds excellence you lazy faggot.

[Anonymous No.18486007]

Keynesian economics and the education system

[Anonymous No.18486106]

>>18485929
The problem with being really intelligent is that you don't really realize how ahead of the general population you really were until you get into your 20's and start working, being out in the real world, conversing with all different groups of people. They can't be saved, trust me. If they didn't stop to ask questions at any point in their 30-60 years on this planet, they won't start now.

[Anonymous No.18486124]

>>18485894
>Honestly, how many students do you think are studying this stuff? Is it really that big a percentage that we have to worry about it so much?

That over-the-top shit? Maybe a small percentage, but there are a ton of people getting degrees in fields that are over-saturated. Criminal justice, people who study law, liberal arts majors.

It used to be that college served as a way to screen for intelligence, and so employers figured if someone had a college degree then they were intelligent and could be trained to perform complex tasks. Leftists saw that people with degrees got paid more and had higher life satisfaction, so figured that to raise the underclass out of poverty meant shoe-horning them into college. Then when colleges failed Blacks and Hispanics that was racist, so colleges ultimately lowered their standards. Now we have multiple choice tests to attain a four-year degree and professors teach the test and a college degree doesn't mean shit anymore.

As long as we're trying to achieve racial equality we're going to have shitty standards for our highest positions and this will lead to an overall lower quality of goods and services, a shittier standard of living and a nightmare clown world.

[Anonymous No.18486139]

Ok so are all the CEOs begging the FED for money also stupid? Or do they just understand that capitalism is a scam?

[Anonymous No.18486143]

>>18486106
how old are you then?

[Anonymous No.18486160]

>>18485587
I hope in a positive way. Atheism today is a disgrace. More accurately, atheism was adopted as a means of subversion rather than as a rational conclusion. It was sold as a rational belief but it was ultimately but one of the many seeds planted to turn people over to Marxism.

> Don't believe those guys with silly hats who gather in churches to talk about a sky wizard and crucify heretics that is stupid.
> No, come to us where we gather in higher education and wear whatever we like, declare ourselves to be whatever we want to be, and no one is allowed to criticize us and if you do not agree with us then that hurts our feelings and we will cancel you.

This is not the atheism that I arrived to. I would say that it's not the atheism that I signed up for but I did not sign up for atheism. I just figured out that there is not a literal God but that there is a moral and ethical lifestyle, a civic duty to uphold such values, and a way of the world that is better than others. We may not know exactly what it is but in the bigger picture we can see that there are hints towards one.

Thank you for reading my blog.

[Anonymous No.18486173]

>>18485808
Okay joomer.

[Anonymous No.18486176]

>>18485639
>Having no reverence for saints or the Blessed Virgin

[Anonymous No.18486178]

>>18486160

[Anonymous No.18486238]

>>18486143
53

[Anonymous No.18486244]

>>18486238
shit i'm just 18

[Anonymous No.18486512]

I can sum this up for everyone. If you are not completely retarded, life is easy. If you are retarded life is hard.

The problem is most people are retarded.

[Anonymous No.18486791]

>>18483649
I'm 29 and having only worked part time for the last 10 years working as a music tutor and uber driver have save 30k Aud.