>be a normie>complain about rising costs of living>bitch about billionaires>*unmask the balance sheet*>12%+ frivolous fees/monthWhy can't normies budget? is it just low IQ? Like this Plebbitor spends $110 a month on completely frivolous expenses at his stage (haircuts, spotify)Also stories from normies being shit with money.
>take on debt to go to university >make $2,200 a monthlol lmao
>>62254481How is it fucking possible to waste $96 on a fucking haircut a month? And $13 for a fucking spotify? Aren't there free unlockers which take like 3 minutes to install?
>retarded normie can't help hemorrhaging money on dumb bullshitA tale as old as time. He could get rid of his gym membership and with just a couple months of savings buy dumbbells and a pullup bar. He can buy a $20 electric razor and just shave his head a couple times a month. Music is free, if you pay for it you're a dumbass nigger.
>>62254481>is it just low IQ?Yes. You need a relatively high IQ to be able to recognize how your actions today impact your future, plan appropriately and then ultimately act on that in ways that might mean you do slightly less fun things and forego immediate gratification (or have to think just a little bit before you do shit an expensive way)Yeah lmao two haircuts a month, $110 phone bill is turbo retarded. How his rent is $425 but utility bill is $150 suggests to me basic retardation in managing electricity use.Like I'm an absolute richfaggot and went to the best barber I could find in DC, I get it cut maybe every 5-6 weeks, total is $75 and I tip $25, $100. I spend less on my hair than this faggot.
>>62254551You spend too much money on your hair faggot
>>62254481make it make sense. university of kentucy? is that student debt? why is his income only 2200 with a degree?
>>62254481Not everyone wants to retire in five years, buddy.
>>62254481Am I missing something? They have $900 expenses (before food) a month and an income of $2200.Their budget is balanced.If they throw all their remaining money at debts they’ll be debt free in 3 years.
>>62254520ThisWTF is going on did he not graduate yet or shitty degree?
>>62254615>3 years of waging to have zero networthLmao.
>>62254615Well, yeah, but You also want to save something so You don't have to take more loans once some shit hits the fan (and it will). So make it 8+ years. While I was able to get a house, a car and a decend portfolio to make me not worry about money ever again, this poor redditor will be still a rentoid with nothing to their name in 8 years.
>>62254615Their debt probably has really high interest.Also they just have no idea what they're doing, they shouldn't have access to money, they forgot to even write down FOOD.They got themselves indebted to 19 different people, and I have no idea how you end up owing money to a Fire Department.
>>62254680I can’t tell if the names are people’s names or loan platforms…. Like I know Dave is a payday loan thing but the rest are their friends maybe?This very well may be the worst person I’ve ever seen with money. Either that or it’s bait. Lmfao the fire department debt. The university debt looks like they didn’t even go for long enough to get a degree, probably bc they’re an absolute fucking Neanderthal and had to drop out. The utility being over 1/3rd the rent is hilarious too. My guess is he’s living with 4x other people and just pays the entire utility
>>62254620the real question is 'wtf' is going on with this postBasically no entry level 'college required' jobs pay more than 20 dollars an hour unless you're a larper posting about making 200k starting.
>>62254615Probably gacha payments, eating out, useless tech shit no one needs.Normies are called cattle by Jews and other non-normies for a reason.
>>62254579>>62254520Degreeflation in effect. Basically, as across the decades more and more low-end midwits (100 IQish) got pushed into higher ed, correspondingly the value of the degree evaporated. Thus, 2026 minimum wage college grads.
imagine paying for music lol
>>62254481>rent>425this nigga playing on easy mode
>>62254828I make a lot more than him as a part timer with no degree. Its fucking over for zoomers.
>>62254533Not for itoddlers.
>>62254801yeah my job out of college that took a year to get paid 24/hr and that was luckyit was also a shit third shift poop job so maybe thats why i even made over 20. This was in 2021 btw
>>62254772I looked them up, they're all phone apps.Albert Cash Advance AppGrant Cash Advance AppBrigit Cash Advance AppCleo Cash Advance AppTrue FinanceFloat Me Cash Advance AppTilt Cash AdvancesDave Short Term Credit
>>62254481i dont understand how the phone bill is 110 dollars. my phone bill is £5 a month and i dont even use all of it.
>>62254772Don't forget a $110 monthly phone bill.I ranted about modern phones in another thread.I bought an 8xcore 2.4ghz 8gb RAM phone 2 years ago new for $200. I pay $160 annually for unlimited txt and calls and 3x as much monthly data as my average use.While these retards are paying $1,320 a year.For what!?In the past 3 years they will have paid $3,960.And I paid $680.That's $3,280 more than me. They could have bought a whole car, or paid off nearly 10% of their debt just from their phone bill.It grinds my gears, but when someone is paying $96 a month for haircuts then has to "Float Me" $23.00 it's beyond parody.
>>62254979They are paying off the latest iPhone attached to their phone bill.
>>62254533Well first you need to have a vagina.
>>62255022>$160 annually for unlimited txt and calls and 3x as much monthly data as my average use.What carrier
>>62255051Probably MTN or Bharti Airtel or some other third world shit.I have a paid off iphone 15 and unlimited everything from t-mobile for $55 a month with a veteran's discount.
>>62254481wtf is float me, tilt, true, wtf is that? if you have any "bills" you are a retard
The median net worth of most people in america age 25-35 is probably closer to 35K USD. Why are people so poor.Even if you have like half a million at 30 years old which is like poverty money to the 1%, its still 90% of all modern adults in america.WHY THE FUCK ARE PEOPLE SO POOR? Why can't they just save 30k a year and invest that each year over 5 years that's easily 250k with the stock market going up.
>>62254481>$100 a month on haircutsThe first step to financial freedom is taking the buzzcut pill. Looks like this guy owes a few people some blowjobs too. The next step is living like a jeet in some garbage rental arrangement and hating your life. I do these, drive a shitty car, don't pay for any subscriptions and I make several times his pay. I listen to music on youtube with an adblocker. Adblockers have been free for years and normies still pay with their time and money.
>>62255051Kogan, it's Australian.>>62254481I was bored so I did the math.I assume this person is about 20yrs old.By the time they're 23 they can be debt free with over $10k in the bank, but they won't.
>>62255072Those sound like paycheck loan places.The hospital I used to work at had one of these as an official thing. It was kind of sickening. (It was also hilarious/sickening that they had a special deal to buy a gaming computer on credit through their employee specials/discounts page).
>>62254828It's not about IQ. It's about how university in the US was about nepotism and gatekeeping for a defacto nobility. Everyone rushing into colleges because 'look how much better graduates do' ignored the real function of a college, elitist gatekeeping that didn't offend US courts. Degreeflation represents the class of college grads becoming increasingly average as the cohort grew, rather than their brain power reflecting the average of that larger sample.
>>62254533Free unlockers? Tell me more
>>62255410https://www.icns.es/en/news/the_intellectual_quotient_of_university_students_plummets>There is a belief that university students have a higher IQ than the general population. A recent meta-analysis has addressed this issue (Uttl et al., 2024), analyzing the average IQ scores of 9,902 students tested using intelligence tests (Weschler) in the United States and Canada, grouped by decades from 1939 to the most recent one beginning in 2019. The data sets reviewed show an approximate decline of 0.2 points in the IQ of university students per year, falling to a current IQ of 102, i.e., the level of the general population without a university education. Furthermore, following a normal distribution curve, a very high percentage of university st
Idk why anyone would need two haircuts a month but in theory you should be able to afford haircuts, gym and Spotify on even a low wage, it's not exactly the Ritz.
>>62255022Chad phone optimizooorYeah the float me debt thing is very strange I hope this is b8
>>62254839I think its more about podcasts. That guy doesn't even have a netflix account and pays 110 a month in phone bills, no way he doesn't pirate on an unlimited plan.
>>62254520I've been there. It's tough. I make that in a week now, but holy fuck did it take a lot of initiative, blood, sweat, tears, and good timing. I don't blame them. The college industry was n America is predatory as fuck.
>>62255088It’s not people, as anon uncovered these are all cleverly named cash apps on the App Store. I have zero clue what’s even going on in low functioning normie land anymore and why this resistor is unable to come to the conclusion to go for one month without a shear of his mane to pay of the Cash App debt.
>>62254571Yeah but I'm worth over $20MM so whatever
>>62254481>36k debtMight as well declare bankruptcy wtf. He has $0 in his bank account what are they gonna take?
>>62254680>I have no idea how you end up owing money to a Fire Departmenttaken drunk by a scambulance to emergency room to sober upt. broke out of one at the stoplight when i realized what was happening
>>62255128yours, is the superior
>>62255552>the_intellectual_quotient_of_university_students_plummets>in an unrelated story, IQ tests deemed racist by teachers unions and made illegal
>>62254621A freed slave has zero net worth. Beats being a slave.
>>62254520>>62254481>stuff that used to be less than 1% of your income now 50% of your income to have>KEK SHIT WITH MONEY KEK LMAO
Public service announcement for everyone confused how you'd owe the fire department:Call 911 for almost anything and you'll quickly understand.
>>62256468It's only that expensive if you're a retard and can't shop for shit.
>>62256474point is, your dollar used to stretch far enough not even 25 years ago, that no one would bat an eye at those purchases. also you would make more and more money, but that ended. now people are noticing that they are being robbed and noticing the jewish-coded system. and you guys spergout when the goys think it's bullshit. that your callous response is "you can't have those things/you're shit with money/you can't shop/etc"pretty soon it'll be. $15 to wash your clothes at the laundromat??? Go down to the lake and rinse your clothes in fecal water. You're getting more and more retarded.
>>62256523You're overspending multiple times what you should for certain services/commodities and when someone tries to tell you how to budget like a non-retard you sperg out about the collapse of the system. Get fucked Mr. Silver Spoon, you spend like a spoiled kid you get mocked like one.
>>62255027The writing in the OP does not look like a woman's. Also, vaginas spent a lot more on their hair than $48 per visit, or whatever.
>living in current day in america is like living in a third world country! Slavery never went away, it just evolved!>ORDERS 12 DOORDASHES AND DAILY STARBUCKS
>>62256544How do I budget for exponential never ending inflation on my stagnant wage, dumb fucking cocksucker?
>>62256544bro, anon, i love you, but stop condoning this shit already
>>62256585He’s right. The system is fucked but most of the world would kill for $2500 a month and it’s absolutely enough if you can cook chicken and potatoes and not spend money like a woman
LLM thread lol 50 1pbitd
>>62254551>>62256396>I live in DC>MMNice larp ranjesh now go cover yourself in jam for me boy.
>>62256791>for you ESL's confused by this nobody in the history of american history has ever abbreviated 20m (20 million)with 20mmIt isn't a socket you ESL faggots, now please please if you're gonna LLM spam and larp goto r9k
>>62256797You’re not nearly as smart as you think you are. Take a deep breath
>>62256815Yea okay Bybon, son of Phola
>>62254481I spend 5$/month for my phone. If I go over data it just slows down a bit but I don't get charged more. I'm mostly on wifi anyway. Who pays $110/mo for a phone bill?
>>62254481Squat rack, bench and weights pays for itself in 6 months but maybe he doesn't have the space so okay whatever. $50 haircut every two weeks idk maybe he's black and needs a slick fade or the homies will jump his ass. Seems like a waste o money when you have $0 in the bank and a razor would pay for itself in two weeks
>>62256781Most of the world aren't relevant since they aren't living in America
>>62254802>Normies are called cattle by Jews and other non-normies for a reason.Cause their parents don't buy them a block of flats with tenants once they turn 18?
>>62256883>$50 haircut every two weeks idk maybe he's black and needs a slick fade or the homies will jump his ass.imagine trying to justify being a nigger
>>62255083>The median net worth of most people in america age 25-35 is probably closer to 3-5K USDbe realistic
>>62256865He doesn’t own his phone, so he’s paying some company like Verizon or T-Mobile $110 a month instead of buying it outright.Normies are fucking retarded.
>>62256523>$15 to wash your clothes at the laundromat???lol the one I got to is $16 total actually, $8 to wash and $8 to dry but it is the only one within walking distance and i dont have a car. it's all white people here so they can get away with those kinds of prices
>>62254481>$110 for a phone. Does this faggot pay for triple platinum 6G with 10Gbit up/down and free calls to Nauru and Tuvalu? What the fuck?
>>62254481>rent $425Is this from 2010?
>>62255552Bro if you weren't so midwit yourself you'd read that my post grants their IQ went down. Because it literally couldn't have done anything but gone down. I'm not arguing it didn't go down.
Thinly veiled reddit adKill yourself
>>62254481>Phone - 110Faggot shit. I pay $39/month on T-mobile 12GB Max Data Prepaid (just turn it to WiFi mode whenever home)>Bus - 30Get a bike>Gym - 75Buy some free weights, bench, and rack from Craiglist>Haircut x2 - 96$50 haircuts twice a month? WTF?>Spotify - 13Learn to torrent>Monthly Income - 2,200This nigger is only making $26.4k a month? Even just the most basic low level security / receptionist job pays $40k per year!What a faggot. OP image taker should KYS.
>>62256781pic related. nobody wants to hear a peep from anarcho-capitalist retards and rabbis on this topic. you can't keep spinning the prices going up like this.>>62257993yeah i figured. i thought my example was hyperbolic. and you're just confirming it's already gotten worse than that. it's completely ridiculous, my example was already obsoleted. > it's all white people here so they can get away with those kinds of pricesno, they really can't. that shit is dumb.
>>62256797>I'm poor>my blockfolio never showed MM
>>62254481>monthly income: 2200>next check: 1250math aint mathing
>>62258608Boomers built and put in place the system that gave them 25 cent cheeseburger meals. Zoomers were raised on the internet and subsequently expect the world to be handed to them without doing any work.tl;dr zoomers are lazy crybabies.
>>62254543>have 36,293 in debt>cancel gym membership, sportify, stop getting haircuts and start shaving your headliterally everyone can tell that you cut your own hair, by the waythere is never a situation where it doesnt look like shitanyway>save 184/monthWith this incredible advice, he'll be able to pay off his debt in a little over 16 years, assuming it's not accumulating interest (it is).You're on the same level of retardation as boomers declaring that young people can't afford homes because they're spending all their money on avocado toast. Going to the gym and getting professional haircuts to not look like a sperg who cuts his own hair will unironically be a far better financial investment than saving a couple hundred dollars a month. Being fit and well groomed will go a long way toward getting a better job which is the only realistic advice you should be giving someone like this, not fucking>well if you just cut your own hair for the next 20 years then you might save enough to pay down your debt
