/biz/ - Business & Finance

[Anonymous No.28816789]

You WILL eat beans and rice

[Anonymous No.28816851]

>>28816789
This actually did help me learn how to make beans and rice myself and I saved a ton of money not buying the prepackaged Jew.
Based boomer

[Anonymous No.28816929]

I miss Brazilian rice and beans so much

[Anonymous No.28816969]

>>28816851
Wow you saved $50 a month eating like a fucking subhuman instead of eating proper food

[Anonymous No.28817042]

>>28816789
Um...hi Dave haha.... how are you.. haha me too me too, better than I should... thanks for taking my call, first time caller haha... so like, my boyfriend and I owe like $300K after buying this house.. and we both don’t have jobs haha... what do we do Dave?

[Anonymous No.28817054]

>>28816969

Childlike faggot.

[Anonymous No.28817075]

>>28816789
I only eat fish proteins because I'm part of the superior human race

[Anonymous No.28817169]

>>28816789
What will happen to the boomer's wealth when they pass away?
My parents are both from Germany, and at least on my mom's side, she almost inherited debt from her parents.
How many boomers are so debt ridden that nothing will pass on to the next generation?

[Anonymous No.28817183]

join a church

[Anonymous No.28817219]

>>28816969
mickey donalds isn't proper food subconsooooooman

[Anonymous No.28817224]

>>28817075
Fuck off AQB shill

[Anonymous No.28817249]

>>28816789
Hi, Dave, how are you doing today?

[Anonymous No.28817261]

What's wrong with rice and beans?

[Anonymous No.28817272]

>>28816969
lmao this

people limit protein while buying store bought 4 dollar coffees every day

[Anonymous No.28817345]

>>28816969
>cooking yourself is subhuman
Enjoy your cancer

[Anonymous No.28817363]

>uhhh hi dave...Im a nigger and cant think.... waht shuold i steal next?

[Anonymous No.28817410]

>>28817042
This is Kelly from North Carolina
Hi Dave how are you?
Better than I deserve, whats up?
My husband is transitioning to female and I don't know what to do about that financially.
Well whats his income?

[Anonymous No.28817442]

no joke ive saved every dollar since ive been working and people made more than me speculating on crypto for one season than me saving for an entire life

I have never bought a crypto in my life, and it shows

[Anonymous No.28817469]

>>28816789
Half of this guy's help was just showing how well off my "bad" situation was in comparison to half his callers. Suck a dick Dave, if a 8$ coffee makes my Monday morning a high light rather then a drag, then I'm going to get it, Sorry I've never been bankrupted DAVE.

[Anonymous No.28817565]

>>28816929

Bro Belizean rice and beans is the shit, it has coconut in it and is amazing.

[Anonymous No.28817586]

>>28816969
hey when you are poor like >>28816851 thats $50 more a month to gamble on shitcoins like BAO and RBC

[Anonymous No.28817629]

>>28817469
>a disease that might not even exist
stopped reading there, fucking retard

[Anonymous No.28817838]

>>28816789

Dave Ramsey is my fav shit to listen to. Schadenfreude is a great emotion. "Hey Dave I am 200k in debt for a social work degree from Baylor, and my husband is a crossdresser who fucks men"

[Anonymous No.28818012]

>>28816789
True but I eat beans and rice cuz that's what I like to eat.

[Anonymous No.28818176]

You WONT use credit cards

[Anonymous No.28818213]

>>28817629

[Anonymous No.28818959]

>>28817345
>>28817219
>>28817054
Cook meat and fish instead of empty carbs

[Anonymous No.28819199]

>>28818959
Rice and bean THE STANDARD

[Anonymous No.28819211]

>>28818959
Beans are cheap protein

[Anonymous No.28819234]

>>28816789
I eat Rice and Egg

[Anonymous No.28819242]

>>28817249
Better than i desirve

[Anonymous No.28820149]

>>28816789
I mean rice and beans are super versatile. Throw chicken in there and you have great food for a long time.
And for the record, there was this boomer lady that called in and asked if he's serious about r&b. He laughed at her stupid fucking question. It's a metaphor for fatties to stop eating out all the time.

[Anonymous No.28820494]

Rice and beans. You niggers ever hear of a fishing pole or animal trap??

[Anonymous No.28820698]

Please, live like niggers now so you can then live like niggers later.. and make sure you give the kike worshipping churches at least 10 percent goyims. Then max out the kike plans

[Anonymous No.28820827]

>>28820494
Are you a retard?

[Anonymous No.28820889]

Cilantro lime rice and black beans are fucking amazing. Buy a costco rotisserie chicken for $5 if you want some more protein and add some green salsa

[Anonymous No.28821045]

>>28816969
What the fuck

[Anonymous No.28821359]

I just do the opposite of what Dave says and it’s worked out pretty well.

[Anonymous No.28821528]

I'd add chicken thighs & some broccoli & cheese & I'm good

[Anonymous No.28821582]

>>28817169
>What will happen to the boomer's wealth when they pass away?
It will go towards paying off the boomers' debts and/or millenials' debts.

[Anonymous No.28821691]

>>28817169
>What will happen to the boomer's wealth when they pass away?

Supposedly the greatest transfer of wealth from boomers to their mostly millennial kids
>My parents are both from Germany, and at least on my mom's side, she almost inherited debt from her parents

Debt dies with the debtor. It can't be passed down

[Anonymous No.28821838]

Hey Dave. I went to this site called 4chan and made a thread on their business and finance board asking how I could turn a hundred dollars into a million. They just kept telling me to buy kneepads and finally explained that the only way to make that much money is to suck penis for money. What do you think Dave, should I suck the penis for money?

[Anonymous No.28821897]

Oatmeal and milk is cheaper and more nutritionally complete

[Anonymous No.28821964]

>>28816789
Nah. People are still afraid of the coof. Just cough on whatever u want in a store and go. Easy.

[Anonymous No.28822006]

>>28821964

>He still goes to stores

[Anonymous No.28822009]

I can fucking smell it bros

[Anonymous No.28822049]

>>28817442
Big risk, big reward. However, I would advise parking your money in high-earning ETFs and you'll be set far more than most people.

[Anonymous No.28822090]

>>28822009
Throw a banana on there, you won’t regret it.

[Anonymous No.28822092]

>>28816789
i already do though
it's the cheapest food i can afford so naturally i have quite a hefty stack of each at home

[Anonymous No.28822310]

>>28822090
f r i e d p l a n t a i n s

[Anonymous No.28822574]

>>28816789
>Anon I'm recommending you our advanced grocery budget program

[Anonymous No.28823664]

>>28821838
Hold on, how much debt do you have?

[Anonymous No.28823732]

>>28817410
>will he ever be a woman dave?
>well... no. he has no ovaries.

[Anonymous No.28823932]

>>28816789
Rice and beans with some beef/chicken and veggies is all you need desu

[Anonymous No.28824156]

This thread is hilarious bravo op all the upboats

[Anonymous No.28824205]

>>28816789
chink here
what's wrong with eating rice every day?

[Anonymous No.28824260]

Eggs give you the most protein per dollar, also they are onions repellent.

[Anonymous No.28824353]

>>28824260
o n i o n s = s o y
dumb word filter

[Anonymous No.28824422]

>>28821897
This.
If you're going to subsist off slop like a dog, do it the right way. Oats got me through uni

[Anonymous No.28824426]

>>28824353
go back to r*ddit

[Anonymous No.28824530]

>>28823664
Right hundred and fifty thousand dollars. I took out a business loan to start a business but then I saw this coin called MCDC and put everything into it because haha burgers...

[Anonymous No.28824738]

>>28816789
I spend over $100 a week on groceries just for myself

[Anonymous No.28824766]

>>28824530
Okay anon, I don't know how else to put this, but...how much do you want your freedom?

[Anonymous No.28824810]

>>28816789
>you will YOLO
>you will bang pic related
>you will make it

[Anonymous No.28824821]

jesus christ i didnt know /biz/ was this impoverished

[Anonymous No.28824836]

>>28824738
High IQ

[Anonymous No.28824855]

>>28824766
Dave are you saying I should join the army and kill brown children in the desert because that's the price of freedom?

[Anonymous No.28824888]

rice
beans
potatoes
pasta
f
this is what i plan to eat when i finally move out of my mother's house

i've been researching what is the cheapest food to buy. it seems to be the above

[Anonymous No.28824916]

>>28824738
I spend $1000 a week on groceries...
For my dog.
He deserves only the highest quality steak and organ meat.

[Anonymous No.28824924]

>>28816789
I think I will take out a loan and buy gold instead.

[Anonymous No.28825014]

>>28824738
Same but I stock up on a couple of cans of food and buy some food to freeze every time. Paid off last year.

[Anonymous No.28825038]

>>28816789
legit a good influence on normie America
> preaches (kek) living within your means
> preaches about reducing/removing personal debt from your life
> preaches about methods to obtain gains higher than inflation (not the best, but better than nothing

[Anonymous No.28825081]

Why is there so much Ramseyposting recently?

This is nonsense baby boomer advice

[Anonymous No.28825100]

>>28816969
Based

[Anonymous No.28825221]

>>28825081
Because it's based.

[Anonymous No.28825265]

Why beans and rice when you can get >pic

[Anonymous No.28825310]

homeless people eat better than you lmao

[Anonymous No.28825377]

>>28822009
go back

[Anonymous No.28825442]

>>28817629
Doesn’t change the rest of what he said little goy

[Anonymous No.28825533]

>Why is there so much Ramseyposting recently?

>This is nonsense baby boomer advice

[Anonymous No.28825542]

>>28816789
No YOU dave. I took out 500k loan to daytrade and steal niggers cars to pay monthly with. I dont need your rice and beans bald loser, go stack your bitch silver and gold with that other lose peter.

[Anonymous No.28825597]

>>28821691
Debts must be settled by the estate before anything gets inherited.

[Anonymous No.28825632]

>>28816789
Fuck this guy. Take out debt and live your best life. Being debt free only means something to someone that wants you to give them money.

[Anonymous No.28825636]

>>28825533
if I aim JUST RIGHT, think I can blast one straight down Lindsay's throat?

[Anonymous No.28825695]

>>28817075
Based and mercury poisoned pilled

[Anonymous No.28825731]

>>28825597
>Debts must be settled by the estate before anything gets

And if the estate is Worth less than the debt, that's it.

[Anonymous No.28825761]

It's cheaper to just buy a bunch of $1 burritos at Taco Bell.

[Anonymous No.28825798]

>>28821359
So you're in debt to your eyeballs and have no networth?

[Anonymous No.28825832]

I just started making green smoothies. They are bomb af and I shit like a champion. Im never going to eat a salad again

[Anonymous No.28825845]

>>28817410
>>28823732
AHAHAHAHA fucking perfect

[Anonymous No.28825935]

>>28825731
That is correct. Creditors can't get blood from a stone. I expect a lot of boomers to be leaving very little to their heirs because they are stupid and had no long-term thinking.

[Anonymous No.28825967]

>>28825832
What do you put in your smoothies anon? If your shits are good you must be getting a lot of fiber from the smoothies

[Anonymous No.28826182]

You guys are stupidly triggered over beans. I spend unironically 50% less than I used to when I go to the grocery store because I buy red beans and rice mix, spanish rice mix, big bags of frozen catfish, big bags of frozen chicken breasts, big bags of spinach and eat that almost every night. Aside from staples the ONLY things I buy are things that have digital coupons. If I'm not saving $20 or $30 on each trip it's not worth it. And before you ask about
>muh 4 dollar coffee
I get coffee grounds in bulk. No need for cream or sugar, those are just waste. I haven't eaten out in over a month. All that money goes to crypto until I'm shredded and rich.

You don't have to eat like a woman to be frugal.

[Anonymous No.28826353]

>>28826182

I would have a half cup of black beans, frozen mixed veggies, a whole onion, a garlic clove and whatever spices I had handy, all fried in olive oil, and then topped with an egg + hot sauce.

Did that every day for like 3 months and never got tired of it. Anytime I got bored id just change the seasoning or add some spam or whatever leftover meat I had handy.

Cooking and eating cheaply/healthy is the ultimate moneypill

[Anonymous No.28826392]

Why yes I eat beaner and chink pussy all day how could you tell?

[Anonymous No.28826417]

>>28816789
I WILL have health problems later in life, the cost of which will be greater than the money I saved

[Anonymous No.28826475]

>>28816789
Intermittent fasting saves you more money while helping your fat ass lose weight.

[Anonymous No.28826515]

SELL IT

[Anonymous No.28826519]

>>28826392
Sounds like a based threesome.

[Anonymous No.28826564]

>>28825798
Well it’s been said we live in a debt based economy. The fed has said the world runs on debt so I’m thinking any day now that debt is gonna be worth a lot. Checkmate bigots

[Anonymous No.28826574]

>>28826353
It is. When I first got into crypto and stocks I was trying to work out how to hit my 5-10 year goal of 1m but I kept coming up short on my monthly additions. I realized aside from rent food was like my biggest expense. I was fucking devastated adding up how much I spent each month and realizing how much more I could have saved if I just stopped fucking ordering pizzas and going to coffee shops every week. it's not just a boomer meme, being bled dry of your money by restaurants and tiny portions of trendy organic food for $10 an oz is a scam.

[Anonymous No.28826620]

>>28816969
You know a diet of only beans and rice probably only costs 50 dollars a month right?

[Anonymous No.28826756]

Legit even just replacing some of your meat with beans or lentils is huge gains you can throw at your investments

[Anonymous No.28826912]

>>28826620
$60 a month to have one (1) Zatarains box of any flavor per day. You still have to add like $60-70 of other items but it does cut costs.

[Anonymous No.28826922]

>>28816789
>eat beans and beans (I’m too fat for rice)
>have plant-withering windtunnel farts for days
Nice

[Anonymous No.28827011]

>>28817469
Ppl getting mad at black people for taking their money. Meanwhile all my rich white friends stay getting richer.

Keep infighting and give (((them))) what they want

[Anonymous No.28827031]

>>28826922
Imagine the smell...

[Anonymous No.28827044]

>>28816789
yes i am a spic

[Anonymous No.28827132]

>>28825967
So the base liquid is organic OJ.
>fresh squeezed OJ
>Kale
>parsley
>cilantro
>apple slices
Pretty much the basics. Sometimes I replace the apple with a frozen banana or literally any other fruit or vegetable. Same with the leafy green and the herbs, Kale just happens to be my favorite and apparently cilantro helps removes toxins from the body so I throw a bunch of it in there. I drink 2 a day, sometimes 3 because i legitimately like the taste. The secret is the OJ. doesn't matter what you put in there, the orange juice makes it delicious. I never have to wipe my ass more than once since I started doing this

[Anonymous No.28827146]

>>28826912
if $150/month, or $1800/year is making a HUGE difference in your life you need to make more money.

[Anonymous No.28827444]

>>28827146
You can be working on making more money and still trying to be smart with the money you have.

[Anonymous No.28827684]

>>28827444
nah bro, let him eat like a dumb nigger. KFC, mahdonnas, etc. either that or he's gonna Rogan larp about his all natural Elk diet

it's okay, all of his gains will be stolen as his health falls off the map

[Anonymous No.28827689]

>>28816789
how about just rice?

[Anonymous No.28827740]

Protip.

Go to the store. Go get a whole chicken, maybe 8 dollars. Get a little dry rub for chicken, a dollar. A bag of matchstick carrots, 1.99. Celery for 2.99. Green onion for .99. A loaf of bread for 1.99. A yellow onion .99. And garlic .99. A carton of chicken stock 2.38. A hot sausage, like Jimmy Dean 2.79.

Go home. Pre heat your moms oven to 225. Go get her cutting board, a big mixing bowl. Cut and dice the onion, green onion, garlic, celery, and throw it in a bowl. Take your sausage and roll it flat and throw it in the bowl. Then take your bread and shred it in the bowl. Now take your cheeto fingers and mash that shit together and until it becomes stuffing/dressing or whatever variation you inbreds call it. Then take a bit of that chicken stock and pour it in the bowl. Not a lot, but enough to moisten the stuffing just a tad. Wash your grimy fingers and go find some salt, pepper, and if your a big boy grab the onion powder and garlic powder. Dab those in there. Now mix your bowl one final time.

Now get that chicken, take the innards out. Wash that bad boy. Towel dry it. Put it in a deep baking pan. Now coat that chicken in your dry rub. Hit all of it. Let your fingers work the powder on it.

Once that’s done, take that stuffing and stuff that mother fucking bird. Pound that shit in there.

If you got any left over stuffing, just throw it in the pan too. Then pour a little chicken stock in the pan. Not enough to drown the shit, but just enough to where your bird won’t stick and burn to the pan or drown the left over stuffing either. Pour a little olive oil on top the bird and throw it in there uncovered for four hours.


AT THE TWO HOUR MARK THIS IS CRITICAL. Pull it out of the oven. Take a spoon and moisten the chicken with the broth and juices from the pan. Also pour it on the stuffing, since I assume you have leftovers like I always do. Put it back in there. Repeat this process at the three hour mark.

At four hours it should be done

[Anonymous No.28827889]

>>28826417
>health problems
>from eating beans
Pick one.
>>28825038
4chan was zogged long ago so the shills hate on a guy who's fixing America and bringing back the middle class.

[Anonymous No.28828023]

>>28827740
based and fucking saved

[Anonymous No.28828092]

>>28827889
That much is admirable but there are better methods to execute nearly every part of his plan.

[Anonymous No.28828111]

>>28817363

>Rice & beans my brutha

[Anonymous No.28828138]

>>28816789
Ramsey is a hack that gives baseline advice and pretends he's some sort of financial prophet. He's also full of shit.

The reason why he has a fortune at all is that his family members were high up at some regional banks and granted loans to him at 18 that no other fucking bank in any reality would ever grant unless it was pure nepotism.

He used these loans to leverage into properties, so he was a "millionaire" but it was all in real estate assets paid for in loans. He used the portfolio on real estate to secure more loans to get more real estate.

When the bank was bought out and new people stepped in they looked over the books and had a heart attack when they saw a teenager aggressively leveraged into real estate with little to nothing in raw capital to back it up. They called the loans immediately. Ramsey went broke. Then the banks he used his portfolio to get more loans out of also called them immediately. At the worst of his debt he owed 378k outstanding after liquidating his properties.

He then used math to climb his way out of the hole and gave basic math and budgeting advice to retard hicks that think the 50's never ended and they never had to budget and are being ass fucked by modern policies that benefit the wealthy and fuck the working class in the ass.

Then put all of that income into bland ass mutual funds with high dividend yield, which is based sure, but nearly none of what he has now was the result of being clever. He's a carpet turner and his advice would be highschool level fiscal literacy if the government allowed schools to teach something like that.

He airs people horrific financial situation for listeners to gawk at and tosses them some half Jesus preaching book on lessons you can learn with a quick google search.

[Anonymous No.28828486]

>>28828092
Yes but his target audience is literally burgers being retarded with their money in the first place. It's necessary to have these little psychological 'wins' to keep them on track. That's why he does the snowball method instead of the avalanche. That's why he has 'baby steps'.

When 80% of the US can't stop living paycheck to paycheck you gotta use kiddie words and techniques.

[Anonymous No.28828552]

>>28828138
how did he become worth half a billy or whatever hes at now

[Anonymous No.28829000]

>>28828486
On the other hand recommending actively managed mutual funds over index funds and ETFs is either disingenuous or bullheaded.

[Anonymous No.28829042]

>>28828552
by not wasting his money or over leveraging once he got out of debt. I assume he makes a bunch off his show as well

his mian advice is dont over leverage and dont waste money

>>28828138
this guy is right about the advice being basic but he comes off as a massive faggot

[Anonymous No.28829043]

>>28819234
eggs are cheap and underrated

[Anonymous No.28829217]

>>28824888
checked
also check out /ck/ for cheap recipes so it all doesn't taste like bland shit

[Anonymous No.28829423]

>>28827740
based and /ck/ pilled

[Anonymous No.28829436]

>>28828486
K.I.S.S.

[Anonymous No.28829583]

>>28829043
You will never produce eggs
You will never be a woman

[Anonymous No.28829880]

>>28829000
I can see that. But he's only selling that to those who have 'made it'. He gotta pay his bills somehow. And honestly you're not losing that much with actively managed. Yes you're better off doing it yourself, but once again we're talking about financial retards here.

[Anonymous No.28829884]

>>28816789
Hi there Dave
My waifu and I are in a real pickle
You see, we only earn roughly 500,000$ annually between the 2 of us.
(she can't earn USD because she's 2D)
However, after several years of taking out loans for us to afford our monthly yacht cruise, we've amassed roughly 2 million dollars of debt.
Now, we already agreed that we won't give up our monthly treat.
But we just can't seem to find a way to cover all that debt!
What should we do Dave?

[Anonymous No.28829982]

>>28828552
Ever heard the phrase, 'during a gold rush, be the guy selling shovels?'

He's gone into media, which if you play your cards right, can make a lot more than just by value investing.

[Anonymous No.28830177]

https://www.youtube.com/watch?v=rMk7CKwJ8OM
holy fucking just

[Anonymous No.28830270]

>>28816851
he really is a based boomer
some of his advice is a little odd, but he helped me save for a 20% down payment on my house
I did a 20 year loan instead of his recommended 15 though so whatever

[Anonymous No.28830310]

>>28829982
Yeah. Dan Pena says dont take advice from people that made their millions filling conference chairs or selling books. Its a grift.

[Anonymous No.28830339]

>>28830177
The fact that he keeps such a calm composure tells you gets these calls A LOT

[Anonymous No.28830536]

>>28817629
Might as well not exist for anyone under 65 considering how little it kills them.

[Anonymous No.28830558]

>>28830270
He is not based. He tells you to cut expenses, pay down debt and increase your icome.

What the fuck about that makes him based? He is a fucking boomer making millions of his radio show parroting the same retard advice to different retard callers.

I hate him, and I think I actually hate you.

[Anonymous No.28830787]

>>28828138
>and his advice would be highschool level fiscal literacy if the government allowed schools to teach something like that
he has openly admitted this

[Anonymous No.28830856]

>>28816789
Rice has a ton of arsenic

[Anonymous No.28830924]

>>28830856
Is that why all chink women are crazy

[Anonymous No.28831184]

>>28820149
Fatties don't need to be eating fucking rice.

[Anonymous No.28831200]

>>28828138
>Ramsey is a hack that gives baseline advice and pretends he's some sort of financial prophet. He's also full of shit.

This, he gives dogshit advice. Pic related for example is the most braindead boomer advice on the planet. Instead of investing it in S&P500 which returns 10+% per year he wants you to pay off your home loan which has a 3% interest rate 15 years early. Taking his advice in this situation would literally cost you $150,000 you could've made.

[Anonymous No.28831321]

>>28817042
I swear these people calling are paid actors kek

[Anonymous No.28831348]

>>28824888
milk, eggs, meat, fish, or you'll get depressed, they help brain function immensely

[Anonymous No.28831351]

>>28830177
JUST

[Anonymous No.28831418]

>>28830558
He's literally the only person out there who teaches budgeting.
>>28831200
Would you take out a 100k loan to invest in the S&P500?

[Anonymous No.28831419]

>>28829043
Eggs are great. Eat them. Raise chickens.

[Anonymous No.28831447]

>>28829884

[Anonymous No.28831611]

>>28831348
Absolutely, and anything more than that is unnecessary and a waste of money.

[Anonymous No.28831645]

>>28825798
>Debt bad
This is the most 60 IQ boomer take. I could afford to pay off my entire $30,000 student loan debt in full tomorrow, I don't because the interest rate is only 2% making it more efficient for me to invest that money in ETF's which get returns of 10%+ per year.

[Anonymous No.28831779]

>>28831418
No, you'd put the $500 difference you would've paid to your 3% interest mortgage into ETF's that track the S&P500 and made 10-15% profits per year.

[Anonymous No.28831851]

Sure! Right after I finish my entree

[Anonymous No.28831863]

>>28831645
You can invest on margin for and an even lesser rate and write off the interest payments. Debt is fucking awesome.

[Anonymous No.28831952]

>>28831779
So you would prefer to carry debt in order to speculate on the market?

[Anonymous No.28831964]

>>28827684
because the only two options are beans and rice or fast food

[Anonymous No.28832002]

Hi Dave, This is Anon. I'm 35, NEET, & made my money off BitCoins. My mom wants me to start paying rent despite me never wanting to be be born. My question is are you getting black fatigue from all the blacks on TV?

[Anonymous No.28832075]

>>28831645
you aren't factoring in beta (risk). There is risk in carrying debt.
>that being said I trade on 30% margin all the time and totally get what you are saying. I wouldnt with a student loan because it will never be forgiven if you get injured or life happens and you get a head injury and become retarded or something.

[Anonymous No.28832207]

>>28832075
Dangerously based.

[Anonymous No.28832226]

>>28831645
I have an 18k debt at 9%. I have made around 400% this year on my investments. Hmm, where should I have put my money. I know, in paying down that debt of course! I don't like free money anyway.

[Anonymous No.28832352]

>>28831952
It's not speculation, you're not trading options. S&P tracking ETF's only go up in the long term.

[Anonymous No.28832468]

>>28832226
why are you paying 6% over prime? If its on credit cards call the company or open an unsecured credit line for 1 or 2% over prime. Fuck, schwab's margin rates start at like 6% on the high end.

[Anonymous No.28832543]

>>28832468
In ausfagland.

Personal loans go about as low as 6% here. I can't be fucked refinancing for what, a saving of a couple of hundred bucks?
But thanks for the advice anon.

Also, standard CC in ausfaggotreich is 24%. People think that's normal.

[Anonymous No.28832782]

>>28832543
same in burgerland, people here think 15% on credit cards is okay. its not okay though. I pay 3.5% on my amex, 3.9% on my credit line. Prime rate is under 3.5% right now, your bund-er bank and ECB both buy US treasuries, they should be offering same rate (in my mental model at least).

[Anonymous No.28832896]

>>28816789
Fuck beans they're gay. Rice is tasty but not superly healthy

[Anonymous No.28833271]

>>28832782
Oh absolutely anon, they are attached to global banks, but the average australian debtor is used to high markups, so we accept things like bad interest rates on debt as par for the course. We also have a lot stronger regulations on debt in this country, so financial institutions are quite wary of unsecured loans unless you can back it with evidence of earnings.

Debt is a good tool for leveraged growth. But the average mouthbreather here just wants to buy more and more chink plastic.

[Anonymous No.28833309]

>>28832896
Pulses and legumes are based af. Take that back.

[Anonymous No.28833882]

>>28833271
>australian
ah, I thought you were saying you were german.
>average mouth breather
you're here, so you aren't average. however yeah, people who give the credit cards to sub 80 IQ idiots that buy shit consumer goods should be jailed if not outright killed.

[Anonymous No.28833944]

>>28833271
>so financial institutions are quite wary of unsecured loans
you might be very surprised if you start applying for them...

[Anonymous No.28833948]

>>28816789
I have. It's a shit existence.

[Anonymous No.28834116]

>>28833944
We just paid like 250 million tax payer dollars to have a royal commision (basically a senate inquiry) into overlending from the banks. They are pretty wary atm, although the low interest rates has massively picked up demand from them

[Anonymous No.28834254]

>>28834116
credit lines may be treated differently than personal loans. but yeah, if there is pressure, there is pressure.

[Anonymous No.28834683]

https://www.youtube.com/watch?v=osbJ4Vwv5RY

[Anonymous No.28835452]

...but I LIKE eating beans and rice

>cheap
>easy to prepare
>filling
>lots of different varieties & combinations to try
>put some frank's red hot or sriracha on that bitch

[Anonymous No.28835506]

>>28816789
Breakfast
>cereal and coffee $0.50
Lunch
>ramen $0.40
Dinner
>buffalo chicken bites $1
Total
>$1.90 and I still get my coffee buzz

[Anonymous No.28835632]

>>28835506
> just one cup of coffee

[Anonymous No.28835779]

>>28826620
what the fuck kind of rice are you buying that costs $50 a month

[Anonymous No.28835856]

>>28827146
Eating $2K instead of putting it to work is not making more money.

[Anonymous No.28835896]

>>28835632
Breakfast is probably $1 then. I also drink soda for lunch and dinner so that's another $0.60. I drink lemonade and ice tea from Wawa so that's another $2. Total would be $5. That's not too bad.

[Anonymous No.28835901]

>>28835779
He probably buys pre-cooked 'Uncle Ben's'

[Anonymous No.28835979]

>>28835452
right? even if you're not JUST eating beans and rice, they're staples for a reason. You can put anything in there, leaving you free to buy whatever is cheap. I've got beans cooking in my rice cooker right now with some pork I had in my freezer that I bought in bulk when it was cheap af

[Anonymous No.28836113]

>>28826620
You need to stop. Go get some chicken stock and jasmine bag rice. And a rice cooker.

I dunno where the fuck you get 50 dollars from twink.

[Anonymous No.28836430]

>>28835856
paying $500+ a month in rent isn't making more money. you should live in your car.

[Anonymous No.28836719]

>>28826620
Shit I need to get on rice and beans then. Maybe switch out ramen with it, do it half and half.

[Anonymous No.28837097]

>>28828486
Snowball is an objectively worse method which only confirms that the Ramseypill is made especially for low IQ burgers

[Anonymous No.28837570]

>>28837097
>Snowball is an objectively worse method
unless you are so late on your bigger payments they settle for like 50% or less.

[Anonymous No.28837785]

>>28833309
Makes you fart

[Anonymous No.28839110]

>>28825265
No one can read that shit you retarded nigger

[Anonymous No.28839425]

>>28828138
And my wife's parents fall for every word of it.

[Anonymous No.28840490]

>>28817261
Extreme poverty food. Below $1/d tier. Rice and beans with squirrel meat (often substituted by cat and dog meat in the poorer regions) became a popular US American staple dish during the Corona famine winter of 2020/21.

[Anonymous No.28841792]

>>28816789
If you told him you were worth $10m he would still tell you to eat like this, and drive a $3k car.

[Anonymous No.28842665]

>>28825265
Was this take with a 2002 flip phone?