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/biz/ - Business & Finance

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49403481 No.49403481 [Reply] [Original]

>500k likes

The logic normies apply to money sometimes is shocking. This individual is literally saying that spending more money makes him feel richer. When of course saving and making money should make one feel richer.

Ultimately is this what separates the sheep from the wolves?

>> No.49403545

>twitter
if you think twitter users represent a median of the population, you are the retard.
Now go back to your 15 Million nigger and 500 Million bot bubble

>> No.49403571

>>49403481
>cant budget because grew up poor

This should be precisely the opposite
Whybare niggers so dumb?

>> No.49403581

Same thread twice? Really digging the bottom of barrel there eh jan-jan?

>> No.49403589

>>49403481
How is that a real unironic thought from a mentally sound human?

Is everyone just straight up mentally challenged these days?

>> No.49404308

not sure why you guys are acting surprised, its not exactly news that normies love to spend money

>> No.49404351

>>49403481
I grew up poor but have the complete opposite problem now that I earn decent money - I save obsessively and forgo all luxuries

>> No.49404370

>>49403481
I dont know why they can't understand that they don't have to inflate their lifestyle. If they just live like a poor person then they can become rich

>> No.49404458

>>49403481
>grew up poor
>mentally blocked at budgeting
This is some high grade npc level

>> No.49404755

>>49404458
There is a school of thought that certain people exist only to have value extracted from them.

>> No.49405295

>>49403481
I would rather buy a high quality item once than a low to mid quality item several times. Feeling "limited" because of a price tag is truly NPC behavior, though.

>> No.49405914

>>49403481
What a retard. I grew up not wealthy either, very middle class with limited finance (parents were on food stamps for a year when I was very little). I am the opposite, I am super thrifty and save everything because I didnt have much so I always am in thag mindset to conserve. I do not understand where this guy is coming from

>> No.49405940

>>49405295
It depends for me. Tennis shoes,sunglasses, and basic t shirts for example - I'd rather just buy several cheapies than invest in nice expensive ones because for me they always end up getting stained, lost, etc.

>> No.49405996

>>49403481
Is this even surprising?
Even those waging and working have little to nothing to their name.
I primarily refer to white collar, educated workers, too.
There is a reason why a study was done regarding people able to visualize a banana or not: NPCs exist, they are very real, only they have the ability to participate to enforce their programming onto the lone wolfs (sounds kind of gay, I couldn't think of another term) who have the ability to visualize a banana, along with some of the greatest machines man has ever created.

>> No.49406231

>>49403481
This guy definitely buys $10 coffees in the morning.

>> No.49406287

>>49403481
>I'm always gonna spend the extra penny for quality
What does that mean?
Does he mean "quality time" as in drugs and sex?

>> No.49407210

>>49403571
>>49404351
>>49404370
>>49404458
>>49404755
>>49405914
It's genetic. If you grow up poor and you aren't genetically predisposed to poor winter planning you'll thrive from the harsh experience that you survived.

These "people" are genetically pre-disposed to die off. You can't change them.

>> No.49407819

>>49406287
Instead of ordering a cheeseburger hes buying surf and turf.

>> No.49408004

>>49407210
I agree anon. Some people are born to be poor. My buddy likes to spend money when he has it, literally only had a $200 cap on his credit card because he knows he will use it. Me, I have a $15k credit card because I know I have to pay it back and only use it as need be for things I was always gonna buy and I have $15k so I stay below that 30% usage limit that dings your credit score more.

>> No.49408085

He says spend more on quality, maybe he means things like buying quality tools, etc? Or does he mean buying air Jordans or some shit? I'm guessing the latter.

>> No.49408512

>>49403481
i don't agree with him but to play devil's advocate a bit:
There can be a strange kind of alchemy for some people when it comes to buying high end goods they can barely afford. It helps grease the gears of society and can actually wind up making you a higher earner because of the connections and relationships you can form. If you're buying that shit and just sitting at home and not even streaming or something, then yeah, it's a terrible strategy.

>> No.49408692

>>49404351
I grew up rich (well upper middle class) and I live frugal and save a lot. Meanwhile my brother dpends every dime he gets
I think economic background is overrated, it's more of a behavioural issue.
People more on the introvert/autistic/stoic spectrum seem to spend less, especially as they don't tie their identity on display of high status as much.

>> No.49408769

>>49403481
>I grew poor asf
>extra penny for quality
fucking THIS >>49403571 >>49404351 . I grew up poor af too and I don't pay for "quality" shit because I know everything is made in china by a few companies, that living in shitty but not-too-shitty places is a lot cheaper than living in expensive cities, paying for public transport is much cheaper (and environmentally safer) than buying and maintaining a car, and so on
also, why are we talking about some random retarded twitter user?

>>49407210
you are a fucking retard. it's obvious that it has more to do with education. being good at math, having a good memory, being able to understand percentages/proportions to compare prices in milliseconds is obviously a good way to avoid wasting time and money.
this guy is right, it's a self-control issue:
https://twitter.com/mrfunpolice202/status/1533633490041831424

>> No.49408824
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49408824

Spending mindlessly is bad but using a little of your gains to buy yourself a nicer bed, a nicer chair and stuff you use daily if you grew up poor can really make a difference and help you understand the value of the numbers of the screen you trade everyday. Not saying to just go full consoom mode, but some reality checks making you fully grasp what you can achieve and where you can end up if you remain steady in your lifestyle can be a excellent discipline pills and motivators. I know it's the case for me.

>holy shit if only I was even wealthier I could afford to have this level of quality in all areas of my life on top of financial freedom, I have to keep saving, work smart and not fall for Jewish tricks this is what <insert scapegoat enemy you use as fuel and motivator to keep moving forward so you don't feel bad about your parents/environment giving you a shitty hand in life, because it can limit your ability to progress and see things from a growth perspective if you lack the mental fortitude to recognize and admit that while some things are out of your control you have to make due with what you've been given> took away from me

This only works if you have some extra income though. No point rewarding yourself if you're still stuck between a rock and a hard place. But if you can reasonably spend a little more without said purchase completely throwing your plans awry then do it. A good bed, a good chair, a filter for water and other stuff you use daily can and WILL make a difference regardless. Focus on utility and growth mindsets just like you'd do with your investments

>> No.49408872

I grew up dirt poor and now make 6 figures at my job and have a low-mid 6 fig crypto stack. Among them ther frugalities, I drive a 25yr old car I bought for 1.5k almost a decade ago. I still live dirt poor but know when to spend for quality…like spending a grand for an office chair but wearing a cheap hoodie and pajama pants while I’m sitting in it. Some poor people are meant to be eternal slaves.

>> No.49408924

>>49403481
this guy has the dull, dead stare of a modern goy-cattle but at least he's aware of his failings. There is hope for this chud

>> No.49408994

>>49403481
You fucking psychos are so far gone in your slave mentality, it's almost funny. You really think your masters are penny pinching and living frugally and that's what makes them rich. You won't achieve financial freedom by eating goyslop instead of a nice steak now and then. Retiring five years early because you lived like a rat your whole life doesn't make you smart. Investing an extra 200 bucks a month won't save you. At the end of the day, the only way out is to hit multiple 100x jackpots, and the pennies you save living the the good little slave you are won't do jack shit for you.

>> No.49409011

>>49403481
>be OP
>browse twatter
>browse /biz/
>probably browse reddit too
>think my time is any more valuable than theirs
>"dae hate normans!??!? reeeee"
sad

>> No.49409055
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49409055

>>49408994
i mean i guess, but you're acting like goyslop is somehow cheaper than buying and cooking your own steak. That's what future smart money does; they buy and prepare their own food. It's all planning, and that's more an overarching lifestyle than anything else. We're not talking about choosing the Mcdonald's drive-thru to save money, that's retarded and makes no sense. A combo meal is at least ten dollars these days, you can get a (relatively) massive amount of minimally-processed chicken legs for that. Nice demoralization attempt tho

>> No.49409067

>>49408994
this

>> No.49409086

>>49403571
>This should be precisely the opposite
>Whybare niggers so dumb?

well intelligence is genetic

>> No.49409183

>>49408994
Kill yourself retarded strawmanning nigger

>> No.49409201

>>49408994
honestly just let them shitpost, this place is full of retarded crabs
they reek of insecurity and can't see how naked their self hatred is
consider how illogical it is to be mad at others for wasting their money, it's self hatred deflected outwards

>> No.49409229

>>49403571
I don't know why people are hung up on this, to me it makes sense. He grew up poor, but now is not so he does not have to compromise like he did when he was younger and it feels good.

And he's right, I grew up less wealthy than I am now and I have lots of extras and luxuries that my family didn't. I grew up sleeping on hand me down mattresses on the floor of a basement. After earning a bunch of money I got a real nice bed and mattress and sheets and all that. It was expensive but I didn't care.

In some ways its harder to hold back because you want to make up for all the time you had a lower quality of life. The edge and fear of losing your money is always there though, and I don't think this guy "spending on quality" is tied to out of control spending. Plus buying things that are good quality is often cheaper in the long run than buying shit stuff. Not being able to buy what you need or high quality stuff (relatively) is in itself a poverty trap.

>> No.49409534

>>49403481

Wolves are made when one of two things happen. They scam someone for a significant profit and get a significant high from it, or they face tough cirucumstances that force them to play conservative/dirty just to survive. Something has to prompt them to take action for themselves and make decisions, otherwise they just do what their base programming tells them to.

>> No.49409630

>>49408994
based

>> No.49409664

>>49404458
>>49407210

None of these people actually grew up "poor". It's not possible to grow up poor with the government giving so much free money to low income people. You are only poor if your parents spend their gibs on drugs. Kids with well off parents are more likely to grow up actually "poor", since their parents might be the type to never give them anything. (Muh work ethic, also I'm not going to pay you for chores, you can get a real job picking fruit like I did)

>> No.49410048

>>49403481
>i grew up poor
>therefore im incapable of handling money
what if it's the other way around

>> No.49410062

>I spend too much
>this isn't my fault though
Okay.

>> No.49410067

>>49408994
>5 years early
Try 35 years early. laughing at you

>> No.49410080

>>49403571
Poor people are poor specifically because they make shit wages AND then spend it all on bing bing wahoos, silly juice and potato chips as soon as they get it.

>> No.49410679

>>49410080
A lot of poor people are just dumb and/or unlucky. It's the ones that aren't that stay poor that are the saddest via shit like 0 time preference "spend money if you have it". How the fuck does being broke translate to being less frugal lol

>> No.49410908

>>49409664
Ideal would be some middle ground. Use your wealth to set your kids up for functional success while also not spoiling them. Despite my dad being executive level most of my life he was frugal and a boot straps guy barely helped me pay through college, made me pay him back for my first shitbox car, etc.

I get some of it but I don't get setting me back $30k early in life to teach me some sort of "lesson." Meanwhile I had friends with normal middle class parents that would pay for their college and apartment.

>> No.49411631

>>49403571
it's just another addiction. being able to feel urges and just go "it's just hormones it'll pass" is the self control everyone needs to have a good life and made consitent good deciions. One thing i really liked from "easy peasy method" was the fact it pointed out the substance creates the need. Most people think doing the thing that feels good relieves the urge, but it's the opposite, you do the thing, drug, shitty behavior ect.. and it just makes you want to do it more. So yeah, spending money like that spur of the moment, makes you feel like a baler, but then you need another hit later on.

>> No.49412488

>>49409664
This is complete bullshit. In England if you work you get no free opticians, dentistry, travel etc.

But if you go on benefits, you can only live a subsistence, dependent lifestyle of the absolute basic things to survive. I only made it because of my boomer mom winning the lottery on a detached, 3 bathroom, 3 bedroom house that was in disrepair, and now she's comfortable. Pure luck.

Many people are very very poor. Very poor. The elite spit in our faces.

>> No.49413873
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49413873

>>49408994
You have a poor person's mentality.

>> No.49414198

>>49413873
So much of the Redditor worldview is driven by pure resentment, jealousy and inferiority complexes. All this "eat the rich" shit is just mad that other people have things that you don't. We all feel it a bit when people get success and move past you but these people are such fags.

>> No.49414313

>>49410908

I had my niece and nephew as fosters. All necessary tools were provided. That means a car, decently fashionable clothes, and a cell phone. Those aren't luxuries, those are needed so they didn't just make friends with the poor kids. College paid by the state. No allowances, but minimum wage for all household tasks, and if they wanted more I'd make something up for them to do. I provided what they needed, they had to work for anything they wanted. Worked mostly well, both graduated from high school and work decent blue collar type jobs.

>>49412488

It's not bullshit, at least in the USA. Section 8 pays your housing, food stamps pay your foods, medicaid covers your medical. You can work part time making $10k with two kids and they government will dump another $10k in cash payments on you from the earned income credit and child tax credits. Nobody child is poor in the USA unless their parents are fucking them over.

>> No.49414381

>>49403481
He's right though because he's trading worthless fiat for valuable goods and services.

>> No.49414398

As someone that was a complete poorfag once...just buy REAL QUALITY GOODS (at a reasonable price, don't just throw money at just a name).
Buy once, cry once.

>> No.49414421

>>49408512
To some extent if you're upper class, you do need to conspicuously consume to show other wealthy people that you're not a con artist.

>> No.49414464

>>49403481
That’s what he’s saying but it’s not what he’s endorsing you fucking idiot. He’s describing his bad habit and explaining the source of it. You probably deliberately left that part out of your interpretation so you can make a thread about it, get some approval and have a laugh with your “/biz/ bros”.
You’re gay, your mothers gay, your fathers gay, and you should kill yourself and die.

>> No.49414480

>>49403571
Wtf do you think makes a poor person poor? Proper to planning and budgeting? NOT giving them incentives to remain in poverty through benefits? Are you fucking dumb? I thought whites were smart.

>> No.49415244

>>49413873
That guy made it by luck.
Yes, there was a lot of hard work involved due to his circustances being so fucked up, and he deserves every bit of what he's made, but he didn't become rich because he saved a few extra bucks, he became rich because he invested in good things that yielded really high ROI. If he had spent less of his paycheck on investing he would probably be exactly where he ended up, maybe with a couple hundred thousand less, because, more than anything by several orders of magnitude, it was his smart investment choices that yielded results.
Also, I feel I should point out to you retards, when I say you shouldn't live like a rat because what matters is hitting the jackpot, this implies you still have to invest your money. You won't make it from investing a couple hundred bucks, you do still have to put thousands of capital to have a reasonable chance. But whether he had invested 40k or 30k, he would still have had roughly the same results.

>> No.49415290
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49415290

>>49403481
Everyone grew up poor, because we are born with nothing. Spoiler: we leave with nothing too, unless you memorize your seed phrase of course.

>> No.49415364

>>49415244
Luck is where preparation meets opportunity.

People who say people got ‘lucky’ wouldn’t be as charitable to call them unlucky if they fucked it up - they would be calling them stupid. It’s a weird double standard whereby any achievements to them is down to pure chance and any failings are due to pure incompetence. Go back.

>> No.49415380

>>49415364
>>49415244
Ahh sorry anon, you triggered me in your first line. God bless and carry on, we agree.

>> No.49415467

I boight 32gb of ram so I could “future proof” my computer but ended up just upgrading to 64gb later anyway

>> No.49415814

>>49415364
Excellent reply.

>> No.49416328

>>49415467
Depends if it's new RAM (different socket) or old slower RAM.