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/biz/ - Business & Finance


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56113976 No.56113976 [Reply] [Original]

you want to save money:

>Rice and beans
>cold showers
>No AC during the day
>have 2 roommates
>no vacations
>never eat out
>never drink or smoke
>no pets
>no data
>no Netflix

I’m making fat stacks of cash by doing this. Thank me later

>> No.56113996

>>56113976
ok list, but no AC is retarded

>> No.56113999

As an experiment to save money, I ate rice and beans, exclusively, for 5 days and wanted to die
literally, wanted to die
the goal was a week, made it 5 days

>> No.56114000

>>56113996
AC is very expensive dude

>> No.56114009

>>56113976
Imagine if a giant nigger leapt out of the water and fucked her in the ass with bbc!!!!!

>> No.56114012

>>56113999
Well I’ve been doing it and I’ve never been happier watching my cash grow. Also it’s better food than nearly anything else, people only buy expensive restaurant shit to put it on Instagram or show off that they can afford it

>> No.56114024

>>56114000
can I have a little fan on my desk? I get really hot when I trade

>> No.56114036

>>56114024
only if its hand cranked

>> No.56114056
File: 51 KB, 709x595, feelsnofanman.jpg [View same] [iqdb] [saucenao] [google]
56114056

>>56114036

>> No.56114173

>>56114012
are you 22? you sound like it, using normie as a benchmark
beans and rice are fine, but if thats most of your diet then you are as retarded as the fitfags that do GOMAD. Diet needs variety and balance. This can be done with another $25 on your grocery bill, even in this economy.

>> No.56114262

>>56114036
the only think I hand crake is my dick

>> No.56114274

>>56113976
You can not nickel and dime your way out of poverty.

>> No.56114319 [DELETED] 

>>56114274
It can help, though.

>> No.56114334

>>56114173
I’m 23 lol, and what can I buy for thwy cheap?

>>56114274
It already made me rich. You’re not going to get rich blowing your money at the club

>> No.56114369

>>56114334
lentils
oats
eggs
peanut butter
store bought vegies you can replant after use, like shallots

>> No.56114385

>>56113976
I don't care about getting rich. All I want is a small home on 5-10 acres to hold my animals. Money is meaningless to me as it's just a debt note created out of thin air.

>> No.56114392

>>56114369
Eggs are extremely expensive

>> No.56114397

>>56114319
no if it lowers your productivity you're never making it out

>> No.56114405

>>56114385
You do realize you’ll need to be very very rich to afford anything close to that?

>> No.56114417

>>56114397
It raises your productivity dude, when you save everything, it motivates you to become even richer… when you spend more, you blow your dopamine and become lazy

>> No.56114429
File: 136 KB, 680x406, 1694800577259.jpg [View same] [iqdb] [saucenao] [google]
56114429

>>56114369

>> No.56114430

>>56114392
youre not rich. what a dumb thing to say. shut up

>> No.56114437
File: 878 KB, 256x256, mariochud.gif [View same] [iqdb] [saucenao] [google]
56114437

You simply buy chuddies

>> No.56114452 [DELETED] 

>>56114397
It depends. If you save $1000 per year but it reduces your post-tax earnings by $600 per year, you're still ahead.
And there are ways of saving money that don't reduce your ability to earn.

>> No.56114516

>>56113976
imagine being wealthy and u still just banging it out with some mid boring bitch that makes you take pics for her instagram, what's the fucking point? I was born good looking with a high iq and no amount of money you make in your life can ever account for being ignored by cuties and not experiencing genuine love with them in your youth and young adulthood, go become a billionaire idc lol jeff bezos doesn't have shit on me dude worked for 30 fucking years just to bang a bogged shitskin who cucks him in every photo they take together

>> No.56114549

>>56114430
You’re retarded, they tripled in price over Covid

>> No.56114560

>>56114452
Tax rate is only 15% tho

>> No.56114577

>>56114516
Are you talking about my pic related?

You know that’s Lindsey Brewer right? She’s one of the hottest models on the planet

>> No.56114597 [DELETED] 

>>56114560
I said post-tax income so it doesn't matter. (Also, it might not be 15%; it depends on where you are.)

>> No.56114638

>>56114516
brown hands typed this

>> No.56114717
File: 34 KB, 680x451, images.jpg [View same] [iqdb] [saucenao] [google]
56114717

>>56114392
okay enjoy your beans and rice then you poorfag zoomer
>>56114429
pic related

>> No.56114743

>>56114717
Lmao enjoy eating nasty “5 star food” that you secretly hate and then going bankrupt

>> No.56114790

>>56114577
Have you ever gone grocery shopping in the Southern states? These girls are a dime a dozen. A pack of cigs and some IPA beer buys them out for a couple years.
>>56114638
You will never be white

>> No.56114884

>>56114790
I’ve been all around the world and I’ve maybe seen a girl like that once in my life.

No they wont go out with you for a cigarette, if a girl is that hot, she’s either very moral and religious and will chose a guy in her church community, or she’s on some billionaires Yacht.

I studied in Boston, live in New York, have travelled to many States, I may have seen a few girls in my life that looked comparable to her.

>> No.56114886

>>56114743
I literally guessed your age by the way you communicate alone because you zoomers are mentally 16 years old, even the biggest shitkickers in my high school were more self aware than you lagging retards. Id say kill yourself but your neutered lifestyle is actually what you deserve.

>> No.56114914
File: 99 KB, 1600x1063, IMG_4565.jpg [View same] [iqdb] [saucenao] [google]
56114914

>>56114886
I take pleasure in the fact that your life is a living hell. Frying your dopamine receptors everyday is a fate worse than hell

>>56114790
This is the girls you see 99% of the time in the states

>> No.56114919

jesus christ you guys are toxic.

>> No.56114929

>>56114919
How are we toxic

>> No.56115424
File: 3.48 MB, 228x292, 1691674151288620.gif [View same] [iqdb] [saucenao] [google]
56115424

>>56113976
so how much can you save doing that, 10k-20k per year? that's not a life, that's just slavery and you don't get rich by doing that, you need to make smart deals on SCP 500, have rich parents, win the lottery, be lucky etc, otherwise you're going to be poor/middle class until you die

>> No.56115430

>>56113976
>cold showers
Stopped right here.

>> No.56115451

>>56114919
Shut up nigger

>> No.56116210

>>56113976
You'll just live like a deluded turbo poorfag. You'll never make a fortune, deal with it. You were born in the wrong family, if you're exceptionally handsome marry an old rich whore, that's literally your only ticket out of poverty

>> No.56116214

>>56113976
You also need to work 100 hours a week.

>> No.56116228

>>56114024
if you're trading you aren't saving

>> No.56116282

>>56113976
>you'll look back when you are 60yo with all your wealth and wished you lived a little when you were younger instead of saving cash

>> No.56116576

>>56114743
>nasty 5 star food
the guy suggested store bought eggs and peanut butter, you retard
you are going to have health deficiencies if all you eat is beans and rice. my asshole is leaking just thinking about that diet

>> No.56116606

>>56114009
no man. just, no.

>> No.56116620

>>56114919
you have to back.

>> No.56116621

If eating rice and beans makes you want to die, the first issue is you are not used to the fiber. Beans have a lot of fiber! This is in the long run good for you, but you should ease into it, give your gut a chance to get strong.
Next, beans have a substance in them that all people are allergic to. Red beans have the most, and you shouldn't really eat them. Instead, eat pinto beans and navy beans which have less.
Next beans must be prepared correctly. Canned beans are a bad idea for a few reasons, leaching from the can liner to mention one. So, dried beans you gotta soak them overnight, and then slow cook them all day. Cooking like this is the origin of human dominance, but we have forgotten that you must cook staple foods to predigest them.
Finally of course you need other foods as suppliment to fill out a nutrition profiles.

>> No.56116640

>>56116282
Nope. That day never comes. Living with self control is very rewarding, and ypu never wish you had wasted your life partying. You may regret no woman, but those two are not linked.

>> No.56116647

>rice and beans
there's a lot of budget food options you can take that aren't just rice and beans. Needlessly restricting your diet will break your discipline, it's better to experiment.
>cold showers
if you enjoy it sure, but the amount you pay for gas on heating a negligible amount of water is not going to save you much money compared to how miserable you'll be otherwise
>no AC
you can have AC but you need to set it to a reasonable temp. same with heat. no need to suffer to save a few dollars a month
>have 2 roommates
unfortunate but yeah, if you can rent out extra rooms that'll really cut on costs.
>no vacations
depends. you can have a vacation just driving to a national park and camping in a 50 dollar tent. this should really be 'no expensive vacations to europe'
>never eat out
eh again this is contextual. eating out every day is very bad. eating out every week is questionable. eating out once a month is probably okay. the more expensive your 'eating out' the less frequent it should be.
>never drinks or smoke
yeah definitely
>no pets
big pets yeah, you're basically raising a child that will never leave the house and will just incur large costs yearly. you could have a spider or a lizard or rat or an outdoor pet or something, those costs are minimal.
>no data
VERY hard to live without internet. I did it and I will say the $70 bucks for internet + $30 for the phone more than pays for itself.
>no netflix
yeah probably

I live mostly like this, $80k a year government job, save about $40k a year after bills and mortgage payments and all that. Only have 1 renter on my property too.

>> No.56116669

>>56115424
I'm going to tell you how. Interest. If ypu earn interest, but pay none, your wealth grows exponentially. This includes rent and mortgage or anything with a payment plan. If you pay those, you are doomed.

>> No.56116700

>>56113976
>rice and beans

Sorry, I'm not vegan. Eggs and beef liver are the ways

>> No.56116708
File: 27 KB, 822x1343, 1694818050388.jpg [View same] [iqdb] [saucenao] [google]
56116708

>>56116669
This. Stay at home until you earn enough trading stocks to buy a parking lot. Rinse and repeat until you own at least 10, then you can consider buying a home or renting.

>> No.56116754

>>56113976
Throw a jar of pasta sauce into the beans and rice, or at least a can of tomatoes and basil for a basic sauce. Gets you a serve of veggies and will keep you from going nuts.
Also nothing in there is about making money.
2nd also, that's someone's son.

>> No.56116771

>>56116669
>>56116708
where do i live then? lmao

>> No.56116879
File: 630 KB, 1071x1057, pepe_fed_up_coffee.png [View same] [iqdb] [saucenao] [google]
56116879

>>56116771
In your parents' basement

>> No.56116900

>>56113976
just live with your parents, retard.

>> No.56117790
File: 49 KB, 406x364, 1412956190399.jpg [View same] [iqdb] [saucenao] [google]
56117790

>>56113976
Do you think that women who looks like this know that they are living a different life from the rest of us? Do you think that when they turn 30 they are surprised when it all dries up?

>> No.56117795

>>56117790
>Do you think that when they turn 30 they are surprised when it all dries up?
Whata cope

>> No.56117812

>>56117795
Please let me have this. Thinking that they suffer someday is the only thing keeping me going.

>> No.56117885

This is a how to be Mexican list not how to be rich so OP just needs to move there now and he will be rich.

>> No.56117915

>>56113976
>>Rice and beans
This is pretty much my diet, except I eat chicken and lentils as well. I spend around $200 a month on food and this could easily be less if I tried.
>cold showers
Not worth it for me, water/gas are cheap in my area.
>No AC during the day
Again, not worth it if it's really hot out. I try not to have it super cold though.
>have 2 roommates
I only have 1, but I agree with this. I have never lived truly on my own, I've always had roommates and below market rate rent. This is the most important thing to do imo. Just make sure you vet roommates first to make sure they're not annoying.
>no vacations
I go on like 1 vacation a year, average cost $500.
>never eat out
I eat out maybe once a month
>never drink or smoke
I try not to drink too much, but when I do drink it's bottom shelf vodka. Just mix it with water and it'll get you drunk and not taste too bad.
>no pets
I agree
>no data
It's possible to find unlimited data plans for under $30 a month, even less if you're willing to go with something with a data cap. Data isn't all that important if you spend most of your time at home
>no Netflix
I torrent everything

>> No.56117931

>>56117915
>I go on like 1 vacation a year, average cost $500.
If you put that in a roth IRA you would have $100k tax free at 65

>> No.56117960

>>56117931
I already invest most of my income and have lower expenses than most people

>> No.56118172

>>56114009
>nigger
>water
why do u think girls like water

>> No.56118179

>>56114638
he's right though, she is fucking ugly. You'd think he could get better, much better.

>> No.56118187

>>56114000
>$100/month to not suffer all day every day
just be homeless bro, you'll save on rent or a mortgage

>> No.56118211

>>56118187
>suffer all day every day
This is where you're retarded you see
Notice OP said during the day because getting a nice cool temperature at night in the summers and warm cozy temperature in the winters is important to getting good sleep, and sleep is important for virtually everything else
99.9999% of all humans lived without AC
How did they do it?
They did it because your body naturally becomes accustomed to whatever temperature it regularly has to deal with over a month as long as your aren't blasting the opposite temperature air at it the minute you become slightly uncomfortable

Even if you are hot and sweaty at night it's ok really because you can wake up and take a shower in the morning and be great


If you're in the deep south this may not apply

>> No.56118287

>>56117812
You're thinking in a Christianity-based moral worldview
In almost all traditional ancient worldviews (and even up until the late medieval period really) the standing you were born into was a result of the quality, goodness, and power of the daemon that you sprung from out of the chaotic, chthonic soup
Thus if you were smart, pretty, talented, strong, lucky, a man, a noble, a king, etc you were bound by this to uphold your duty as that and be righteous in it

Only through the righteousness and wisdom of a noble aristocracy could all of society thrive, if the upper echelons neglected or abdicated their duty it was not possible to correct it from below, which I believe is true
Basically if the rich, good looking, and powerful do not use their powers for good on their own, it is not possible to make them do so either by punishment or through some popular revolution, you are just shit out of luck and suffer the consequences
That said, even the lowest peasant or laborer who performs his work well and fulfills his duty is higher than the most powerful king who does not

>> No.56118427

>>56113976
I live similarly. I only have 1 housemate and we use AC but I wouldn't if I lived alone.

>> No.56118491

>>56113976
>>56113996
Wtf is AC?

t. European

>> No.56118515

>>56114405
It costs like $150k lmfao?

>> No.56118568

>>56117915
>Just mix it with water
Yup and you stay hydrated too, brilliant

>> No.56118624

>>56113976
>you want to save money:
lmao just make more money bro, its that easy

>> No.56118646

>>56114405
200k in Texas

>> No.56118754

>>56118491
apple crumbles - a very luxurious pastry
saves a lot of money only eating them at night

>> No.56118777

>>56113976
You aren’t making shit doing this because you aren’t earning a single cent with anything on that list.
How to actually get rich is simply making a lot of money and not spending frivolously, spending 30% of your income is fine, especially if you earn a lot.

>> No.56118802

>>56113976
Nutrition is the most important thing you do in your life besides sleeping, eat red meat. Also you realize life is unpredictable and you could randomly die tomorrow? There’s no point living a slave’s life in your youth for comfort in your twilight years when money is fake. Only things that improve your life are real.

>> No.56118806

>>56113976
That's a man

>> No.56118812

>>56117915
How do you live with room mates and into crypto? Aren’t you paranoid they’ll look for your seed phrase and empty everything?

>> No.56119514

>>56113976
>I’m making fat stacks of cash by doing this

lol, how much are you "saving" buddy? Havent you realized that you cant "save" your way into getting rich?

Even in the highly unlikely hypothetical scenario where you are making 100k a year and you are saving every penny of it without having to pay for food, rent, utilities etc

Even then you need to save for 10 years just to accumulate 1 million. However in 10 years this 1 million will be worth shit because of inflation anyway. This is not how you get rich.

What you end up doing essentially is just depriving yourself of pleasures and comfort in this life for no real reward other than accumulating arbitrary numbers on an online banking screen which are getting less and less valueable.

If you are broke and you dont know how to get rich atleast enjoy life in whatever way is available to you. You will not get rich by depriving yourself however you WILL lose out on valueable lifetime.

>> No.56119520
File: 512 KB, 808x793, 1677153066809265.png [View same] [iqdb] [saucenao] [google]
56119520

>>56114009
I'm cracking up

>> No.56119531

>>56114577
Ok I just looked her up and she made my penis move
She has the perfect face and smile and I bet her pussy is immaculate
Women are getting hotter goddamn

>> No.56119548
File: 2.81 MB, 1280x720, Alice1.webm [View same] [iqdb] [saucenao] [google]
56119548

>>56113976
also
>no roastie (unless you can pimp her out)
>never buy any type of media, always pirate it for FREE
>jerk off to Free porn instead of paying roastie prostitutes
>dont do "dating"
>live for free if you can (live with parents, be homeless if you can endure that etc.)
>never buy anything that you dont absolutely need

>> No.56119595

>>56119548
My god instant boner
Is this the polish chick who eats shit? (Cake)

>> No.56119604
File: 31 KB, 535x424, boomboom.jpg [View same] [iqdb] [saucenao] [google]
56119604

>>56117931
>i'm finally ready to live life and have my first vacation!!! ladies here i come!!!