Who else fed up with zoomers and millennials?
>>61189036Boomers can't die fast enough.
>>61189036Dave Ramsey is an out of touch boomer retard who still thinks it's 1978.
>>61189036I don't know.I was born in 1995 have a job and a mortgage.Doesn't mean I look down on others for wanting a better life.
I'm a single millennial that works and still can't afford a home. Only hope is doing stupid stock options trades.
why grandfather was a fucking greyhound receptionist and own a home in Toronto
>>61189036
>>61189124>t. lazy non-working millennial/zoomer who spends all his parents' money on onlyfans, starbucks, and avocado toast while whining about how unfair life is because free houses aren't landing in his lap daily
>>61189036Hasn't the topic been discussed a million times already? Boomers lived in an era of prosperity where human labour was valued, and they fail to recognise that human labour is no longer valued and so younger generations are seeking alternative methods, which confuses the boomers who think that 'get job -> get money' still works and is the only option.
>>61189139No you're a fucking retard with shit living habits or you refuse to take risks in real life to gain more capital. When I was facing a new child being born I took on a second job delivering pizzas the entire time she was pregnant so I could save to get us into our forever home. I put the entire check and all the tips in a savings account and was able to save up 20k in 9 months, we are how land owners and home owners. You just don't have any hustle.
>>61189225Hi Dave
>>61189036No pussy? No work. Simple as.You don't provide me with fertile 18 year old pussy? I stay home playing video games.
>>61189387It is not the job of society to make you get off your computer chair, wash your coom hands, and go outside and talk to a girl. Kill yourself.
>>61189396If that isn't the job of society, then it isn't my job to work for a society that gives me nothing. Checkmate.
>>61189387I can offer you 27 year old pussy with N-count of 50. The 18 year old pussy is reserved for proven winners.
>>61189396I'm not an atheist, but we are in a massive Darwinian bottleneck in the next few decades for better or worse.The response of coomers and neets is all the evidence you need
Ramsey fundamentally doesn't understand that he lived in a time where homes where cheap and luxuries were expensive, meanwhile the time millenials live in has luxuries being cheap and homes being expensive. Telling most millenials/zoomers to just buy a home is like telling people to just buy a yacht, only very few can actually do it and even less actual gain value from the property.
>>61189379>20k>a meaningful amount of savingsno one asked for your 70s nostalgia trip you fucking nigger-souled geriatric
>>61189036amerimutts deserve every bit of suffering, you will be eternal slaves, and the funniest part is it's ENTIRELY self-inflicted
>>61189036I watched a video today which toured his HQ. Dave has to be some kinda narcissist, there isn't one wall which doesn't have a picture himself on it. Also his daughter kinda annoys me, typical female just repeating the same dumb talk points over and over again
>>61189036I'm a GenX and I'm fed up with boomers and other X'ers. My generation became as prude as the boomers, they are even playing bingo now.
>>61189776>Migrants with lower living standards form their own communities/networks and have children>Divorce raped men have children>Guys that manage to get a woman or multiple pregnant without her knowing who the father is or dodging child support somehow wins nature's fucking lottery>Even Literal cucks end up having some children of their own from some single motherOn the other side you have,>DINKs>Undesirable/Invisible guys that want to have sex and end up childless>Walled up women dragging shit too long ending up undesirable and childless>Guys having casual sex but opting out of having children>People opting out of relationships altogether, mostly guysFunny times we live in
>>61190182>FunnyYou call it funny. Some call it biblical.
>>61189396Men don't work to obtain a family, they work to provide for their family.You can throw slurs and try to use shame, it won't change the looming civilisational collapse.
I think the eating out constantly is what disturbs me the most. Especially doordash.
>>61189134You have e earned nothing what is you job larper
>>61189379Cry me a river satan same blah empathy shit kiss my ass you do not deserve anything>>61189965
>>61189965Thats gambling on bingo like idiots no such thing a spruce gaghot shut down nasa faggot
>>61189396you're confusing your problem with his problem
>>61190266Seek help.You wouldn't be on here seething if you did something with your life, instead you're on here trying to one up zoomers.
>>61189379So you left your pregnant wife at home alone for 12+ hours a day? Also, what was the risk being taken here? The risk of her leaving you since you're never around? The risk of delivering in black neighborhoods?
>>61189036Zoomers can be retarded with money, but only because they don't see a future for America. They can afford goyslop, but they'll never be able to afford a home even if they cut out the goyslop.
>>61189036>be 90th percentile income millennial>pay off all debt>save for a down-payment on a house>hold on for just bit longer>housing prices double>mortgage rates more than doubleRamsey, like the rest of his cohort, is debilitatingly retarded.
>>61189036The guy on the left has the most retarded takes in existence. I have listened to few podcasts of him and I thought he was a genuine nigger at first. None of the boomers that seethe about us have the mental capacity to do my job or ever had to work shifts this long. They are completely incapable of accepting that the average home price went up 16 times compared to the average salary. I wish he gets cancer and dies, no one needs to listen to his bad takes.
>>61189036This is the same guy who told a thirty-something that 6 Million dollars wasn't enough to just stop and that he had to keep working?
>>61190182>>Migrants with lower living standards form their own communities/networks and have childrenWe the majority are not allowed to form our own communities and networks, though.
Boomers were literally given everything and kept it for themselves. Just for that fact alone we need boomer genocide asap.
I am a software engineer working for Boeing. Working and developing one of their flight control softwares. I still can't afford a house. If I was a boomer a did that I would have been a billionaire by now.
>>61190182I have a wife and child, but oddly enough most of the DINK couples I meet earn way more than I do. They genuinely are either uninterested or afraid of bearing and raising kids
>>61190765>None of the boomers that seethe about us have the mental capacity to do my job or ever had to work shifts this long. I work in commercial banking, most of the boomer lenders I work with are practically retarded and never learned the fundamentals of their industry. But as a financial analyst, I do all of the heavy lifting of crunching the numbers and underwriting the deals. These retards can't even use Outlook or Excel, but they draw high salaries whereas I can't even buy a house.
>>61189776What does atheism have to do with darwinism you idiot
>>61189036Buy an ad Team Ramsey.
>>61189036Am I the only one that thinks he would look amazing in one of those old Nazi uniforms? Lol not the black ones, i mean the earlier brown ones.
>>61189036Housing is a bad investment in the 21st century. Ramsey and his staff will just get poorer over time as global population falls, and accelerated with trump and ICE policies that will never be reversed. Obama was the last hail mary for the housing market but those days are long gone. There will be a surplus of housing and real estate that will eventually crash against other assets, even older guys like buffett don't touch the shit and went in on oil as oil will be worth more then real estate.>they don't want jobsThe oligarchs running our society see the writing on the wall and are using AI as a means of dropping the global population and job losses are part of it. Tech companies themselves are gonna go bankrupt chasing AI and crash the fiat system along with it. The future is a much smaller economy less energy and less people. Bitcoin mining will continue to exist long after big techs and data mining based internet fails and the economy is based around POW cryptos and regional systems rather then global trade and nation state militaries.
>>61190869>oddly enoughIt's not odd, that's the whole thing: dinkfags can focus on our shit and it's automatically more money. There's also some resiliency; my company just imploded so I am suddenly unemployed, but my gf has her salary and I have some properties so I can coast for a while until getting a new job. If we had kids, we'd have to worry about them.
>>61190702A pregnant wife can take care of herself retard
>>61190702The risk of getting off my ass, the risk of not being a lazy consumer faggot, I took a risk putting my money into a house and land, I now have a mortgage which is a risk.
genx and millenials are 2-3x as productive as useless boomers and yet they get nothing for it
>>61189036dave ramsey doesn't work.
>>61191006What I mean is that people often think "oh my son/daughter would have kids, but the economy!"When in reality some people just don't have kids.My brother in law is paid off, uses WIC for groceries and has 3 adult children and 5 little boys under the age of 10.And he's white.
>>61189036I'm 31 and have two jobs. As software engineer in a shitty company and I manage my mom's business now that she retired. I work 70 to 80 hours per week and I don't have a single day off until August. It looks like I will be earning lots of money this year, but that's not enough in this hellhole (Spain) filled with latinos that are fucking up the housing market. I will be able to afford a house in 5 years without paying anything to a jew (mortgage) but at this rythm I will be dead by then.
>>61191521>work>ask him literally anything>"NOOO! DON'T DO THAT! Just put everything into a mutual fund! And pay off all your debt! Next caller!"
>>61190751>hold on for just bit longerlol I always feel like such a chad when I come onto this site.
>>61189036That her daughter? You just know.
There are 2 zoomer worlds.There is the world of online people like incels, chuds, commies, trannies, /bizlets, etc>Nooo everything is so expensive it's so over!>It's literally impossible to get a job and get a house and get married!>Aaaaahhh [random ideology] HELP ME!!!Then there is the real world of normalfags>My wife and I both have full time jobs and we just bought a house in our late 20s
>>61190791>implying that pretending you're the messiah and forming a cult is a legitimate alternative.
>>61191924We're doing alright in Utah.
>>61189036I’m a millennial and I own a home. But this faggot boomer needs to die. Hell, I bet I’m actually richer than that retard.
Millienial here. I am about to get absolutely raped on taxes this year and it’s going to boomers complaining about younger generations. I don’t think there’s many of us tax donkeys left so they might want to appreciate what they got
>>61189036Nobody wants to work you retarded boomer. The way to fix that is with incentive that you squandered proving that you're not racist.
>>61191199None of those are risks my dude. You are so sheltered and naïve if you think those are risks.
>>61189379>so I could save to get us into our forever home>$20kWhat year was this?
>>61189396none of this solves the mental illness, obesity, browness, sluttiness, or shitty tattoos unfortunately very few men can even make it
>>61190770finally a truthbomb
>>61189379Gonna suck when she takes that home in a divorce.
>>61191243gen x maybe but millennials often times just make the world worse with their work
>>61192129The guy bought a house in nigger ville
>>61191862what a bizarre fucking LARP. Unless you live in one of the shithole counties in bumfuck America, zoomers aren't buying houses.
>>61192203Bought a row home and the "land" he is refereeing is the backyard that has a chicken coop
>>61189036White Millennials and GenZ deserve a fresh start in a judenfrei nation. Liquidate the Lox.
>>61190923Learn how to sell and stop being such a pussy if you want to make more money then
>>61192352I bought an acre of land on a dead end road in the middle of nowhere and built a house on it. Got a well, and septic no city cuck water and sewage
>>61189379>r you refuse to take risks in real life to gain more capitalI know this is a shitpost but the guy you're replying to literally talked about taking risks on the stock market lmao. Like what else would a person take risks on, whoring his butthole out to old faggots like ramsay?
>>61192579I meant in life like starting your own business or doing a side hustle. If you are single and living at home there is no reason not to have money stacked, if you're single and living on your own might take a little longer but you should still be able to save money. You can even live in a van to save money anything is possible. People are just lazy and want everything handed to them.
>>61192639>side hustleLike whoring his butthole out to old faggots like Ramsay?>lazyI work 2 jobs 7 days a week for 70 hours and made 420 bucks today swing trading uranium.
>>61192664You misspelled kikes
>>61192664>Groypers with broccoli haircuts and get their based news from tiktok/xitter are going to turn America around.Doubt.
>>61192667OK then the post wasn't meant for you retard. If you're still struggling financially then you're an idiot.
>>61192678I'm struggling because I only have 220k in my investment accounts and still have to work so I can become a millionaire. Going to become an electrical systems engineer at the local data center, so I can make 400k a year by 2028 (including overtime). All I wanted was a hot 19yo latina gf.>>61192673>>61192671I didn't say anything about turning america around I said, explicitly, TBD
>>61192701TBD isn't going to help anything and they didn't personally do anything to you. Kikes hijacked your society in 1865.
>>61189036Will bet on both prophex and pokymarket millenials gonna be voted the worst generation period
>>611915628 kids! absolute chad
>>61192726TBD now TBD forever TBD for anyone who defends Bs.>they didn't personallyAre you retarded. Boomers are literally my parents who stole tens of thousands from me you fucking idiot. You're a boomer aren't you.
>>61193201No I'm a millennial and your parents suck but doesn't mean all boomers are pieces of shit. Your anger is misdirected
>>61192726>>61192701>Dave Ramsey voted for 10,000,000 shitskins and chinks to do cheap labor jobs>He stripped benefits for young people and gave it to his pension and corporate tax cuts>He voted to create artificial scarcity with zoning laws>Got his start with Daddy's money and bank bailouts But you can't get cheap college, you can't get cheap healthcare. You have to just kiss Jew cock and cuck for the lo IQ lead poisoned boomcucks
>>61189225hi dave
>>61193850i started getting this boomer recommended to me on utubeI heard him say all you need to do is invest 100 a month into some index fund for 30 years and you will have a million dollars... which is completely NOT true wtf are boomers smoking lmao
>>61190751You're putting your savings in a shitty place.Housing has never been more affordable in terms of gold, BTC, or S&P 500
>>61189379>I put the entire check and all the tips in a savings account and was able to save up 20k in 9 monthsniggera barely decent used carIS ABOUT $15,000>When I was facing a new child being born I took on a second job delivering pizzasyou have no idea what zoomers are facing in this job market. my job can schedule me any time from 6am to 630pm, and i regularly have to stay past 10pm. this is after about a year of searching for a low-skill entry level job. this is for $20/H CANADIAN.>if i find a second job, it will interfere with my availability and i'll get canned from the first job>if i even find a second jobthe only additional income opportunity is gig-work delivery food (BECAUSE ACTUAL UBER REQUIRES A CAR NEWER THAN 10 YEARS AND THAT COSTS EVEN MORE). and when i hop on the gig job, i get paid fucking PENNIES BECAUSE BOOMERS IMPORTED A BILLION INDIANS TO KEEP THEIR PONZI SCHEME GOING.on top of this i have to prep for uni, then i'll have to go to fucking uni, somehow have to find a wife, etc.kill yourself you have no idea how good you have it.
>>61193860his main shtick is explaining to bumbling morons that paying off their $30,000 high interest credit card debt is a good ideaafter that its>invest in stable index funds, save up for a house to buy it in cash, and retire a billionaire boomer
>>61189036I'm tired of millennials and gen z. Before 2000 everyone knew you were supposed to follow your dreams and party until you knock someone up, then you had to get a real job. Meanwhile today the 20-40 bracket doesn't even have sex and they just volunteer to do the bullshit office jobs, like they didn't have any aspirations or creative outlets to give up on in the first place.
>>61194100Millennials are 30-45.Half of the people who are complaining about are Zoomers.
Dave Ramsey was flipping houses in the 80s when some regulation got changed overnight and the court said "yeah you owe the sum total of all these mortgages today lmao".All the advice he gives about avoiding debt is based on a desperate fear that this could happen again.
We need to have an ageism Renaissance. I dont give a shit what a shambling mound of soon to be maggot chow says about society or the economy or anything. We need to remove the rotting flesh from the morgue known as the Whitehouse and get living breathing humans with futures in there making decisions
>>61193880You're not going to make it. You're finally out of the public school system and hit with the reality that you're not intelligent and have no desirable skills to employers, as evident by your unskilled labor wage. You bitch about not being able to afford a paltry 15k car, entitlement. You don't even talk about why you would want the car, rather you bitch about how you deserve to have one because you have an unskilled labor job.You can either continue to bitch on the internet about how your generation has it so difficult, or you can do what every generation's intelligent people have done - live frugally, save/invest the money that they earn, and find a career path that essentially guarantees a high-paying job.Your network is your net worth, other men do not give a flying fuck about your troubles, or want hang out with people who bitch/complain.
>>61189036>be millennial>work for 15 years at median wage>still cant afford a house>WHY DONT MILLENIALS WANT TO WORKI already know all of you homeownerfags got the money through inheritance and asset trading. This meme is tired. No one would want to work if it won't allow you to buy a house.Ironically I am far better off than my peers after being a NEET for 15 years because I got a big inheritance payout and then I won big with ONE investment, now I have a house. Working would have done nothing for me.
>>61194263You don't need money to buy a house. You simply need a job that pays well enough to afford the mortgage payment, and credit that isn't shit.I bought with 3% down (conventional) and only brought $115 to closing thanks to seller/lender credits. Niggers, spics, and jeets are have been getting FHA loans for years with 3.5% down and even lower credit scores.
Work is slavery. Nobody would or should want to work. If that makes me annoying to you, it is already too late for you. You have sold your soul to the dark Masonic energy harvesting Saturn worshipping Jew forces that run this planet.
>>61194404>You don't need money to buy a house>You simply need a job that pays well enough to afford the mortgage paymentMost retarded shit I've ever heard. Do you realize that the median wage is not even close to qualifying for a home loan? You would need to be in the top 30% of incomes at least, higher in HCOL cities.>inb4 but muh move to a rural townEven in rural towns. Why would you do that if you could just wait for your inheritance and 2x it in good market conditions then buy a house all in one go without ever working?
>>61194424Who the fuck measures themselves by "median"? Half of this world are women who are incapable of doing most of the labor out there. You also have half of the work force being low IQ niggers and spics, then there's the white trash losers, meaning if you're an educated, skilled white male, you're at the 10th percentile. Every one of my white male friends who graduated from basic flagship state universities is making 150k+.And why on earth wouldn't you take out a mortgage? Do you not understand leverage? I acquired that property for $116, lived in it for 1 year, refinanced, then rented it out. It now cash flows for $800/mo, and I have 210k equity. Literally a 1800x + $800/mo dividend, and it's some of the easiest credit to obtain. You cannot get a 300k loan to invest in the stock market/crypto on a 75k/year salary, but they'll absolutely give you that money to buy a house.
>>61194477>Who the fuck measures themselves by "median"?Autistic retards who know better than to work>Half of this world are women who are incapable of doing most of the labor out thereThis is true>half of the work force being low IQ niggers and spics, then there's the white trash losersAlso true>why on earth wouldn't you take out a mortgage?Why would you if you're an autistic retard who knows how things actually work?I am financially better off then 90% of my peers because I didn't work and waited for inheritance then made a single good investment. Why wouldn't you do this if you can? I'd much rather not work for decades just to pay off a mortgage when I don't have to.
>>61193880You live in a communist country where the only decent employer is the government, your only real option is to work for them or leave for a different country. It's not going to get any better.
>>61189036Is Dave Ramsey stilll alive??? Why?
>>61194493If you've got rich parents who are willing to hand you millions of dollars, then by all means take advantage of it. Most do not have that option.You should still take out a mortgage to buy a house instead of doing it in cash. You will always get better cash-on-cash returns in stocks/crypto than real estate.
>>61194517>If you've got rich parents who are willing to hand you millions of dollarsThey died, didn't hand me anything, they just don't have a need for it anymore.>Most do not have thatWhich is exactly my point. Most will have to work. And statistically most will not ever earn enough to qualify for a mortgage. If you're an autistic retard like me then I'd advice you do not fall for the "just work in a high paying job for 30 years lol" meme.Statistically you would just die after working for some jew's money your entire life
>>61194531>And statistically most will not ever earn enough to qualify for a mortgage. Only if you're a retard, which you are by your own self-admission.
>>61194541>Only if you're a retard, which you are by your own self-admission.Most people are in the same position statistically speaking. If the majority of people will not earn enough to qualify for a home loan then why would you work? I wouldn't, and didn't, but I still made it lol. Things are lookin real comfy.
>>61189139everyone believes the only way to obtain a home is taking on debt for a home that is already built. there is also the option of buying raw land and living in a camper for a few years and building a house from scratch over time.
>>61190182it's by design. they want to cull white people.
>>61194501canada?
>>61190246>implying both can’t be true
>>61189036I just wanna own a home man.
>>61194531>They didn't hand me anything, they just don't have a need for it anymoreQuite possibly the dumbest thing I've read today
>>61191199>I took a risk putting my money into a house and land
>burger flipper boomers used to be able to buy homes>zoomie engineers and software developers can barely afford rents in the areas that hire themCant wait for this old fuck to die
>>61190765I'm a gen Xer and used to listen to this guy on the radio almost 20 years ago and I hate to say it but I fallowed his advice and went the debt Free route, the guys I know who didn't listen to him went full on debtmaxxing and bought up real estate 2008-2012 when it was cheap. Needless to say they did much better than me even though I busted my ass working.
>>61193880Wow how retarded can you be. You sound like a woman with your lame ass excuses. 20k got me a down payment on a decent home on an acre that my family can live in forever. I am currently making around 26k a year and my wife makes like 16k so together we make around 42k with two kids and we are doing just fine. Even able to save some money. All of those limitations you're putting on yourself because you have a zoom zoom non ability to delay your gratification. You are willing to sacrifice 0 to better your station in life. In the olden days you've been discarded as cannon fodder in some king's war, or you'd be working the fields like the dumb nigger you are. Get back to fucking work faggot.
>>61194897It is a risk retard, if the market crashes I'm underwater in my loan and my credit and equity gone, if I lose my job and don't pay my mortgage all that money I put in is gone. Wow no wonder biz is dead it's been taken over by retarded Browns that can't into critical thinking.
>>61195239It's called saving money, if you work as a burger flipper today you make enough to save for a down payment within 2 years. If you have any kind of work ethic and ambition McDonald's will promote you and you'll be making more than a lot of people on salary.
>>61189036This boomer complaint slop is so inane. There's been no substantial difference in the makeup of boomers and zoomers/milennials, so the latter aren't "lazier". Boomers should contend with the fact that something they did to society has led to bad outcomes for their children. From my perspective society has become less pleasant to exist within, harder to succeed and the future less certain. Whites are told they deserve nothing and are shit, they have fucking nightmarish gender relations, they have an uphill battle in education and employment. In turn when they do work their money goes less far and they see an increasing, or at least increasingly visible, corrupt hyper wealthy class. So faced with all this, assuming the same general makeup as boomers they have reached a point where a substantial portion of the population are not motivated to engage whereas they were 60 years prior. A boomer, if he pushed, could reasonably foresee they would get a second home, a nice car, maybe even afford a luxury hobby like boating. They might be able to retire on final salary packages at 60. They could afford to send their kids to good private schools if they did just slog away 60 hour weeks. So in turn they did end up working hard. I'm a UK doctor and our consultants perpetually give off about new doctors being lazy. I don't doubt they worked 80 hour weeks, I would too if I was getting £60k straight out of med school with a guaranteed future of training positions that took me to £300k and retirement at 50. But instead I got £26k out of medical school, am forced to compete with all of India to ever hope to see a training position that might one day take me to £100k max income, retirement at 70. So no I won't work as hard because what's the fucking point.
My generation has becomes as bad as the boomers, so even if the boomers die, GenY and GenZ will still have to deal with GenX, which will inherit most real estate from the boomers. Then GenY will become like the boomers as well, and so on. And every time this happens, we will be called boomers and the trope will continue, so boomers will never die, they will always be there playing bingo and complaining the new generations dont want to "work" (read slave away in a meaningless job). This happens because conformity starts to kick in the 30s and the 40s.
>>61195917Eternal boomers get fucked non inheritance fags, I haven't even got an inheritance yet and have more than most people itt crying about opportunities not falling in their lap like their Amazon anime pillow.
>>61189095It’s all this waiting for someone else to do something that lets them get away with itThere are people in the media and government lying their asses off every day and most people have bought into a fake version of reality
>>61193237You're clearly a boomer. Fuck off.
>>61189225>>61189036HI Dave.Average price of a house in US is $450K and approaching $500K.The yearly tax is $8K-12k, depending on school district.You need 20% down, $100K.And you need at the very least $50K to do repairs and maintenance if you bought an old boomer house.AND you need $100K/year or more income to qualify for a mortgage.Are you claiming that a 30 year old has a $120K income, and had stacked $150K in cash?Are you out of your mind, boomer???
>>61189036I don’t like him but on this specific topic he is right. How do you plan to own a home without some income ?
>>61192529>I bought an acre of land on a dead end road in the middle of nowhere and built a house on it. Got a well, and septic no city cuck water and sewageThis worked in 1970-ies and 80-ies, boomer.
>>61196107He's a boomer retard. Boomers stole all productivity , underpaid middle class, underpaid people who actually work/ produce, exported jobs to China, hired Indians in high quality jobs, such as IT, paid themselves 5x as CEOs, lawyers and doctors, and now they are wondering why nobody can afford homes and that there is nobody out ether to sell their real estate to.
>>61196133>Boomers stole all productivity , > underpaid people who actually work/ produce,
>>61194645yes because thats what the previous generation did. the truth is living standards have plummeted
Just look at Zillow for the house you grew up in.3 bed, 1 bath, 1,288 sqr feet1994: sold for $18,600 ($41,322 in 2025 USD)2022: sold for $240,000thats 5.8x increase for years of wear and tear. i dont know my blue collar parents salary but its probably easier for them to finance $20k than a kid with college debt to finance $240k
>>61196098>Average price of a house in US is $450K and approaching $500K.Oh no how unexpec... oh wait I paid $435K for my house 2 years ago>The yearly tax is $8K-12k, depending on school district.Oh no how unexpec... oh wait I paid $12k on property taxes last year>You need 20% down, $100K.Oh no how unexpec... oh wait I put 41% down, $180k>And you need at the very least $50K to do repairs and maintenance if you bought an old boomer house.Oh no how unexpec.... oh wait I'm expecting to replace my roof sometime in the next decade so I'm regularly socking away money into the maintenance account.>AND you need $100K/year or more income to qualify for a mortgage.You don't, actually, you just need a larger down payment.>Are you claiming that a 30 year old has a $120K income, and had stacked $150K in cash?Try cutting out the twice-daily starbucks, avocado toast, onlyfans, and annual iphone upgrades. Also get a roommate or two to split the rent while you're saving up, a few dollars here, a few hundred dollars there, and pretty soon you're saving up real money.>Are you out of your mind, boomer???Millennial, and no. I just fixed my shit instead of sitting around whining on the internet about how unfair it is that free stuff isn't landing in my lap like I fantasize it did for our boomer parents. In all seriousness, have you ever considered just growing the fuck up, or is adulting something that makes you spontaneously wet your diapers?
>>61196150You're doing it to yourselves.
Why dont they build smaller houses?
>>61189379someone in the 70's could have set half the money they earn on fire and still afford everything they'd ever need without loans or leverage.
>>61189861>amerimuttshe says as the whole west is falling equally for the same reasons
>>61196336No millennial writes like this shekelberg. A lot of real estate values have been skeewed by dipshit boomers in their retarded McMansions on the coasts on top of pushing for more regulations on the job market during their "revolutionary" years. Thus we now have newer generations unable to even at least chip away at building a solid job and have stable incomes to afford such homes in the coastal areas (likely staying with family to take care of them in their twilight years, which makes them have to stay in such coastal states and thus being unable to start meaningfully build value in listable experience nor financial stability)
>>61189387No one cares, you will die a virgin. Goldsteinowitz already has billions of Pajeets and Jose’s lined up ready to replace you and do the slave work you refuse to do.
>>61196341I don't think that chart is saying what you think it is. If you do a regression on the boomer line, it ends up midway between 100k and 50k at the 24 year mark, which around twice the others. If you take even modest compounding into effect, that cohort today will have substantially less wealth that boomers today at their age.I assume you're looking at the 30-34 range only, which matches my experience, as I'm in that range. I and those around me a little older are doing great, we were able to climb the corporate latter during the "good times" (if you can call them that), and now have high, stable incomes and good mortgages locked in at covid fire sale rates. The guys at my company even a few years younger who missed the low rates and the labor "bull run" are struggling, and the guys just getting out of college are fucked.
>>61196546Boomers are in denial that the family unit is slowly shrinking and becoming less common. And theyre especially in denial of the waning prominence of cars among younger generations.
I don't blame boomers for taking all they could get. I blame them for their lack of empathy and understanding on issues that following generations face.
>>61196109I did it last year retard
>>61196554OK well they didn't and they built a security net instead of being max consumer brain. You are jealous and lazy
>>61196546Warren Buffett recently invested $1bil in Lennar and DR Horton in anticipation of building cheaper homes, so that is what the trend is going to be after the coming crash. Salvation is soon at hand for my fellow millenialbros.
>>61196693>If you do a regression on the boomer lineYou can if you want to fool yourself, but you are extremely unlikely to get anything close to an accurate reconstruction of their actual wealth during those years. 1964-1981 were the years of the worst economy in recorded US history, even worse than the great depression - negative economic growth combined with a 15% inflation rate, year after year, for nearly two decades.
>>61196888They actually all did exactly that. Look at how many boomers are fucked.
The boomer mindset is an unholy matrimony of protestant (particularly ulster scot presbyter) sociopathy and jewish schizophrenia. It cannot be reasoned with, only physically removed.
>>61196647>>61196727The real problem, such as it is, is that there were so damned many baby boomers, that all entered the housing market at approximately the same time, so all the builders built starter homes for 15 years, then they all build larger non-starter homes for them for next 30 years, and are all now building assisted living facilities for them. And since houses last for a fucking long time, there are plenty of 50-yr old boomer starting-style homes on the market for $50k-75k that you are turning up your noses at, and plenty of $450k 30-yr old homes on the market that you are screeching about being unable to afford. Crying about this won't change things, those houses are built, and they pretty much saturated the market for the next hundred years. The boomers sold their starter homes to Gen X, who sold them to millenials (and bought the boomers upgrade homes). You can cry about the unfairness all you want, why should you have to buy a hand-me-down house when the boomers got to buy them when they were new, but it doesn't matter. Your generation is not big enough to justify building a whole new flight of starter homes when the boomers' starter homes are still fine, and affordable, they just need some maintenance.All of this is a done deal, those homes exist, none of that is going to change. All that remains is what your generation will do about it, will you sit on your collective asses and whine, or will you get off your collective asses and move on with your lives?
>>61196799because those "issues" aren't particularly novel nor severe, its only your generational myopia that makes you think so. Boomers entered the job market during the worst US economy in recorded history (1964-1981) yes even worse than the great depression due to the 15% inflation rate. Gen X'ers entered the job market during the 3rd worst US economy in recorded history (the "great recession" 2000-2012). The current economic issues that you children are crying about don't even register as a blip on the chart compared with those two.
>>61191637making fun of dave ramsey this way is like making fun of a religionthey have to do the most keep it simple stupid messaging for a broad audiencedave ramsey isn't their personal financial advisor, so he can't really say anything other than obvious things like "don't do credit card debt" "invest in lowest risk mutual funds for retirement"
>>61197074That's a fair point, but also consider that they had a lot going for them by comparison, notably a much lower proportion of income going to housing, where even unskilled work was enough to maintain a family on a single income, no absurd requirements for entry level work, consequently little to no student debt allowing them to start accumulating wealth much earlier, and of course a still strong manufacturing base and not having to compete anywhere near as much foreign and imported labor as those their age now.I don't want to claim they lived in a utopia, but its you who are fooling yourself if you believe, all things considered, that those coming out of school now have it better.
>>61189036i think the only solution is more mass immigration into (formerly) first world nations. specifically the darker/jeeter the better>>61194653yes, whites demand too much like rights and standards of living, people in india will eat literal shit and still eventually produce the iphone mr shekelberg wants to sell someone for a markup
>>61189225I worked a 12 hour shift yesterday. No house by the way.
>>61189379Cool story, I'm sure this was a smart strategy back in the 90s. Doesn't translate to the current economy.>"Just deliver pizzas for 9 months on the side and make 300k to buy an acre of barron land, or 500k to buy a fixer upper 500 square foot house, or take out a loan and pay 900k for that house over the next 30 years."Our generation is utterly fucked, and you can't admit it because it then you'd have to accept that your accomplishments are more a product of your circumstances than your hard work. Not condemning you for it; I'm glad you get to live the american dream. Just know that if you were born when I was born you would not be enjoying the same success. If you think I'm wrong, get your hustle going again and try to buy a second house now. See how that works out for ya.
>>61197483That's your choice.
>>61197485Our generation has utterly fucked itself, and you can't admit it because then you'd have to accept that your lack of accomplishments are more a product of your poor choices rather than your circumstances.
>>61189225Test
Cluster B people employ the exact same flavor of slippery pilpul to wrangle their loved ones into permanent emotional servitude that boomers, boomer apologists, and boomer wannabes use to wrangle their countrymen into permanent wageslavery alongside their imported curry-scented sex predator pets. You are not arguing with a human, you are arguing with a zombie who has a rabbi's scratchings on a sheet of papyrus where his amygdala should be.
>>61189095>hand me downs>gibs me dat>blame boomers for literally every-fucking-thingok clickbait engagement farmer
>>61189036My father in the 80's with a normal job after 4 years of work he bought an house with 3 kids and a wife.Me after 5 years of work, basically doing nothing else than work and go home, no drink or alcohol and spending the winter time freezing because I don't use the heater fore save the money I just saved 11k
>>61189225you should fucking kill yourself
>>61197599The slope of the average american's buying power has been steadily downward for 40+ years. How much longer should this downward trend continue before you'd admit there's a systemic problem in the economy that elbow grease and bootstrap yanking won't fix?I assume the answer will be somewhere between "I'll be dead by then, not my problem zoomer" and "never, just be better," I'm morbidly curious where the kike playbook is on this matter in 2025 going into 2026.
>>61189379>>61189396based boomer. the youngins should just kill themselves at this point
Societies are built on the blood of the young, the old sacrifice the young. We are going to fuck u boomers over though.
>>61192129>What year was this?Nigga was delivering pizzas after the Nirvana concert. But his point stands. He was forced to save for the kid and dude did it. His life probably sucked for a while, but he sacrificed and saved. People now don't like to sacrifice shit, let alone save anything.
>>61189225Hi Dave. A lot of your shit is out of date and has been for a long time and you should kill yourself
>>61197184>there are 50-75k homes you are turning your noses up atPure delusion and you know it. And when you do find those homes they are either in 1. Incredibly shitty condition that will cost double to repair the houseOr 2. Hours away from any jobs that actually make a decent livingThis isnt even a "hurrr ruraltards" jab this is a complaint about a feasible location for anything. Fixer upper houses are fine inherently but it takes a lot of time to put together which is in direct conflict with trying to have a decent paying job in a area with them which if you are already spending a lot of time driving for a job which costs a lot (especially if its on average hours away) you are gimping yourself on car costs then.
>>61189362American boomers lived in an age of prosperity, boomer generation in other countries just robbed their descendents even harder than they did here. Compared to what old people around the world did in most countries, we barely got robbed at all. The meme is that boomers are Cronus devouring their children to stay powerful.
>>61190995>population fallsIndia will keep multiplying and sending out the excess. The line WILL go up whether you like it or not.
>>61189861Very true
>>61191862not even my normalfag friends are that wealthy.
>>61191862The vanishingly few zoomers I've met in camp 2 were literal stock influencers/crypto scammers, tradie hicks who got married way too early and have aged 20 fucking years in only a few as a result and will probably wreck their lives in the upcoming divorce, and platinum dildo up the ass valley kids who despite coming from familoes with 8 figure net worths can only manage being an accountant for under 100k
Women in the workforce doubled productivity and stagnated wages. I’m not even chud. It is what it is.
>>61192639You can do these things while also holding the older generation accountable for bad advice borne of decadence.
>>61195639Buying a house to live in isn’t “taking a risk”.I own several properties.
