Does everyone have unlimited credit or something? How is half of the Usa not homeless? How does everyone have two cars. It costs $200 just to leave the house.
>>62549504Single people are living with their parents, or multiple roommates. Married/Dating couples have two incomes per household. They are living paycheck to paycheck. Loan companies will assess your credit score and income, then base how much you can afford in monthly payments. The idea that credit card companies purposefully allow people to rack up $20k+ in debt that they can't make payments on (the whole "muh evil credut card companies myth) is actually retarded, because there's no collateral. Credit card companies WANT YOU to make the payments, because if you don't, the debt gets sold off to a 3rd party and the credit card company takes a loss on the loan.Everyone does not have "two cars". What you're seeing is a couple, plus 1 of their adult children, with 3 cars in the driveway. That's 1 car per person, not two.There's plenty of things you can do outdoors for free. You're not required to spend $200 every time you go outside.
>>62549504the average american is poor as hell to the extent that >90% of their net worth is tied up in plywood box equity, automobiles, and their meager 401k retirement accounts.
>>62549520Now show the Median.
>>62549537i couldn't find a good breakdown of median by age. yet another symptom of living in a mentally retarded muttocracy, where it's seemingly impossible to find data to answer the most obvious question. all statisticians will hang in nigger hell.
>>62549504It’s multiple adults living in the same house making $21hr.
>>62549543Vanguard said median balance for ages 25 - 34 is $16,255. Brutal...
>>62549504They bought those things pre-covid.
>>62549504they basically hand out credit cards like candy. you can even get an installment plan on a pizza.
>>62549520Thinks plywood is an inferior building material. Opinion disregarded.
>>62549573you're earnestly defending the sum total of your life's work being invested in plywood?
>>62549517>lie about your incomei have around $76k in total available credit. that's more than i make per year. if i used all of it, it would 100% be more than i could make payments on. you're a little naïve on that point, sir.
>>62549504These are my real stats since you seem curious:>live in Seattle downtown >$3200 after taxes and deductions for health ins etc >Rent: 820 (all utilities included)>Food: 400>dental insurance: $30 >renters Insurance: $15>Phone: $60>Monthly Bus pass $108Let’s just round it up to $1500 a month. Usually I spend a few more hundreds on beer, cigs, pizzas, donuts, coffee, a new pair of shoes, std test, whatever. I’ve never exceeded 2k/mo. The rest goes in my brokerage account VGT/VOO/VXUS. I keep 10k for emergency expenses in my vanguard cash plus. At the beginning of the year I cut back to divert money into my Roth IRA and max it out. My life is very ordinary but idc. Body count is 50 + 200 Thai hookers. I’m 35 and I’m content to just be a loser in peace
>>62549640ok here's my stats for comparison:>live in urban texas>$5500 after taxes and deductions>$500 rent>$570 car payment>$300 car payment>$100 various media subscriptions>$120 gasoline>$200 insurance (both cars total)>$350 loan payment (personal loan i gambled on ICP and lost 60% of)>$600 0% balance transfer CC debt from overspending on international trips>$300 paypal credit balance payment>$200 amazon goods per month>$120 electricity>$400 eating out>$700 groceries>$200 gambling on weekly options>$200 to 401k>~$640 a month extra for clothing, other entertainment, misc. spending
>>62549674oh yeah forgot phone>$170 cellular + iphone planso the 640 drops to $470
>>62549674you are waste your money/life. fucking grim lol
>>625495207k in retirement is pretty good in your 20s. I was making 7k/year last year and I'm an american.
>>62549674I have a similar income and 3000$ per month are taken away by house mortgage. While house price is under pressure, I have lost a lot of money.
>>62549695idk bro i do mostly whatever i want. what would you suggest i do instead? i have savings from the 2021 crypto boom, i just prefer not to touch it if i don't have to. i will say i need to probably make a decision on buying a home at some point, i'm just not sure i really want to commit to doing that in the US.>>62549705yeah i'm not ready for this. does the ownership bring you any joy? anything you would have done differently?
>>62549711Owning a house is a black hole for money, and it has a lot of hidden costs like maintenance and HOA. Meanwhile, stocks have more than 10% return annually since I bought the house. It was a bad decision.
Increasingly, it's a matter of public assistance. Walmart and a lot of big businesses have been taking flack for essentially funding their employment with government money by paying their workers amounts where they can juuust barely make it through if they have food stamps, Medicaid, etc.Personally I'm on autismbux but also have a part-time job and live with my family. None of us can afford to live separately, although one of my sisters is working on getting a job with a high enough pay to leave. I mean, maybe I could skate by on my own, but it would be really tight, and without a bunch of money from me, my mom wouldn't be able to afford the house, putting her and my mentally disabled sister and brother on the street. Obviously I can't do that to them so I'm stuck for now.
>>62549729have you considered renting something cheaper and renting out your house instead to lower your monthly obligation? for example, you pay $3000 a month now - is there a way to rent a different spot for $1500, then rent your house out for $2000, and that way your total obligation is around $2500 instead of $3000 - meanwhile someone else is putting up part of the money for the mortgage? maybe not these exact numbers but general idea. is that dumb?
>>62549729>HOAjust don't be a retard baka(word filter)
>>62549520>balance per accountThis is a good example of how to lie with statistics. The older you get the more 401k accounts you accumulate (or you roll them into an IRA which isn't counted in their study). I'm 59, and my Fidelity 401k had a balance of less than $1k in March 2026, which I'm sure contributed to those low numbers. (I just started a new job). Meanwhile I have another 401k account that isn't with Fidelity which is worth just over $600k, and have two rollover IRAs from decades-old 401k's that are each worth a bit over $500k, and two brokerage accounts that are worth $350k and $425k respectively. I'm retiring as soon as I hit 59.5 and have no worries at all.
being a europoor is comfy
>>62549517I'm single but living alone is just too nice
>>62549979>Source: Fidelity Investments Q2 2026 401(k) data based on 26,800 corporate defined contribution plans and 25.6 million participants as of March 31, 2026. These figures include the advisor-sold market but exclude the tax-exempt market. Excluded from the behavioral statistics are nonqualified defined contribution plans and plans for Fidelity's own employees.nowhere does that say "balance per account," dumbass.
>>62549504there are a lot of people like public service workers, salesmen, small business owners, bankers, office workers etc. that are all clearing 200k a year. there are still people making money, you're just not one of them.
>>62550467$200k gross for an individual (not a family) is a ~90th percentile income. do you know what a percentile is? without the aid of an LLM, explain it to me in your own words.
>>62549610I've made close to 700k off plywood don't knock it.
>>62549504>Does everyone have unlimited credit or something?Yes. When you buy a house you have access to your equity to borrow against and that goes up every year.Then you get another ~$100k in credit card lines just for being a homeowner
>>62550460>he can't readoh nonononono
>>62550602i have no idea what your 50 IQ mind is trying to convey. spell it out, retard. your niggerbrained LARP >>62549979 also makes no sense considering the existence of rule 72(t) as well as the rule of 55.
>>62550471you're a little poor bitch who is coping hard in this thread.
>>62550626answer the question in my post, retard.
>>62550626>>62550649and i do make a 90th percentile income, for what it's worth. obey your superior and answer the question.
>>62550650Nobody believes youThey just don't care enough to ask for proof every time
>>62550680$200k in (MCOL locale) is roughly 10 years of experience in any upwardly mobile white collar career, excepting medicine. should have paid attention in class, moron.
>>62550691That's not proof you fucking retard
>>62550697what non personally identifying proof do you want?
>>62550701You really are fucking stupid
>>62550705you need to direct those feelings of frustration inward. i asked for a way out of your mentally retarded line of inquiry (on one very simple condition), and you can't even propose one. i imagine this is a common occurrence, whenever you're asked an open ended question?
>>62550710>Retard can't even keep track of ID's
>>62550715do you have an adult learning disability? in this post >>62550680 you claim no one believes my claims. here i ask what sort of proof would suffice. >>62550701 here, your diminutive niggerbrain short circuits. >>62550705 and here, you completely shit the bed and insist that you never participated in this mentally retarded waste of time? >>62550715
>>62550721You can't think of any way to block out identifying information on a record of earnings because you are either lying or fucking stupidOr both
>>62549674>>62549640I live in nowhere the fuck, wa and studio cuckboxes start at 1200. Duplexes are 1800, sfhs are 2200+. Unless you're a rent control chad these numbers are pure larp.
>>62550724i realize now that i'm expecting too much from someone who likely performs manual labor for a living. i asked you the preferred form of proof to get ahead of claims of falsified records, like inspect element. (this is called second order thinking, by the way.)
>>62550725i was a good employee/friend and my boss gave me a good deal on rent. he actually lowered it a couple years ago. i used to pay $650 a month. periodically i get a month free, too. i got lucky, i'll admit. otherwise i'd be paying a minimum of $1k and living paycheck to paycheck.
>>62549674>$570 car payment>$300 car payment>$120 gasoline>$200 insurance (both cars total)Over $1000 dollars a month on some metal shitboxes so you can get your dick touched by women This is why I’m a PubTrans chad.
>>62549674>2 car paymentsDawg pay that shit off, you're already winning in rent I thought I was lucky. If you could buy $800 in assets monthly instead of car payments you'd be able to mog everyone in your life in short order.
>>62550725My apt is 125 sqft. Thank god I have my own bathroom. There’s a communal kitchen/washing+dryers but I use an electric hot plate, air fryer, and kettle for my cooking needs in my own apt. I don’t want to be around random people Everytime I want to cook for myself
>>62551118No girl wants a ride in my shit box honda but theoretically speaking if you were going to pick up a date and impress her do you pull up to her house on the city bus and tell the driver to wait? Does that sound like chad anything to you?
>SWIM starts a small content creation business>he pays himself $100/hr>applies for credit card>credit card asks what is SWIM's salary>he says it is $90K>credit card co. just takes his word for it, doesn't ask for any proof>card approved>he uses the card to fly to vegas, bang hookers and do blow>makes content about his adventures, including where the "blade" areas are and how to set up a safe hooker date, gets 1M+ views>makes 2x min payment on the CC on time
>>62551321Wait does SWIM stand for straight white Incel male?Lol
>>62549517boomer hands wrote this>lives in a closed loop life and has no real idea whats goin on outside
>>62549640fucking grim
I used to wonder things like this back when I was 18-25. It's amazing what 10 years of waking up early and doing a decent job at work will do to your income potential, not to mention romantic prospects.
>>62549504Used cars exist. Living frugally is a thing.>>62549517>Married/Dating couples have two incomes per householdIf they're cucked or urbanites. You can do a single provider household in the rural areas.t. sole breadwinner for a household of 4
>>62549520>80k in 401k at late 30slol no. maybe half that for most people.
>>62549520Damn. I may be a 31yo friendless khhv loser, but at least I have $1m nw! Have to celebrate the small victories
>>625495041. Most people living like that have jobs involving something around full-time work in something slightly skillful.2. Most people are still up to their eyeballs in debt
>>62549640based>Phone: $60consider MVNO like mint mobile, my total cost is $15/mo
>>62549504actually all the data is available and you can analyze it yourself like I did https://sda.berkeley.edu/sdaweb/analysis/?dataset=scfcomb2022this is "combined financial assets" for people that have any wages or any self-employed income AND can't savethe vast majority of people that work and are "living paycheck to paycheck" still accumulate enough financial assets over their lifetime enough for an okay retirementso this >>62549520 is a reddit meme statistic that includes benny holders, dogwalkers and unemployable people
>>62553269and here's "the percentage of working people that can't save"it's ~3% throughout all age groupsas always, the vast majority of people are completely fine, it's the reddit dogwalkers and chud autists that have to creatively misunderstand statistics to cope
>>62553278and here are savings for people that have ANY kind of career (social security income == 0)as you see, the west has fallen
>>62551367>NEET is confused people go outside.
>>62549517>The idea that credit card companies purposefully allow people to rack up $20k+ in debt that they can't make payments on (the whole "muh evil credut card companies myth) is actually retarded, because there's no collateral. Credit card companies WANT YOU to make the payments, because if you don't, the debt gets sold off to a 3rd party and the credit card company takes a loss on the loan.Contrariwise. Card companies get poors to put $1000, $5000 on their cards and make minimum payments, which gives mathlets the illusion that they can afford more shit. Eventually the debt itself balloons upwards because of 30% interest rates (and a bit more spending ) and hits $20k+. But the point here is that $20k owed (or whatever the unpayable balance owed) is MOSTLY interest well beyond the capital the credit card company shelled out to pay for the shit purchased originally. So a credit card company isn't actually taking the loss you'd think. Poorfag spent $5k, makes $3k in minimum payments over the years, debt hits $30k, gets written off, credit card company sells the loans for $3k-6k to a loan collection agent and comes out well ahead. You can argue the numbers but the point is these debt balances don't create a real loss for credit card companies that make them unsustainable to send to collections or write off.
>credit cards didn’t exist until the 1980s
>>62549729>Meanwhile, stocks have more than 10%>house has increased 12% in value since i bought it..and you can't live in a stock portfolio (ie, paying rent with non-invested money). so in my situation..realestate value growing at faster rate than investments...other than utilities/food/property tax goes straight to the 10% mutual fund. but i did buy on a downturn in the market, so 12% return varies
I did fuck up this >>62553269 tablethe actual median "financial assets" numbers reported for those ~3% working population that can't save is actually more grimHOWEVER, less than a third of "can't save" population, so <1% of working population arrives to retirement without any value in primary residence there isn't unfortunately a "years of employment" metric, but to me the above, and the fact that the data is still a moment-in-time snapshot of 2022 suggests that <1% of workers are really the people that were fuckups through their entire life and weren't actually employed any significant percentage of time
>>62553556wrong screenshot
>>62553332>>62553332>>62553556>>62553559>total financial assetsthey're counting everything, including home equity and automobiles. if you had read the SCF study instead of an extract, you would see their definitions and methods. median primary residency per their own study is $323k, so subtract $323k from those numbers. the median american is materially as poor as a nigger.https://www.federalreserve.gov/publications/files/scf23.pdf
>>62553588in the usual government statistician fashion, their aggregations are pure mental retardation. but you get the idea.
>>62553588I knew that that someone will reply with this dumbfuck "gotcha"no, not "everything"
>>62553632tie those numbers >>62553332 back to the source data, mr. genius. i'll be waiting.
>>62553728tie what to what, mr. retard?
>>62549504You can literally go outside and spend the whole day outside doing fun shit for free, you're just a stupid nigger
>>62553730you're filtered on subsets of the general population as the numbers you're pasting are materially divergent from what i pasted. even within the screenshots i posted, this is evident, as the median and mean reported values "types of financial asset" is a subset of the general population who holds that particular asset. you're using an interactive table generator, but the data presumably ties back to named tables available here. https://www.federalreserve.gov/econres/scfindex.htm you need to tie back the data you're reporting on to the source data, as it's unclear what you're reporting on -- other than something which is obviously misleading.if what i'm saying is unclear, you really shouldn't be advertising statistical data, because you're in no position to understand what any of it means.
>>62553730>>62553807also it appears that you're running some sort of an interpolation on the data? giving people like yourself point-and-click statistical analyses without the requisite training is like giving a loaded handgun to a retard.
there are a lot of poor losers that are coping by making it seem like everyone is a poor loser like them, meanwhile everyone else is doing fine, I am having the best year of my life and my company the best year its ever had, get out of the doomer loop, stop watching doomer youtubers and doomer social media posters.
>>62553814wow how much did you make?
>>62553807I do say what the table shows, what part of it is "unclear" to you? The variables I'm selecting are unambiguous and most of them are spelled out in the images>>62553812>you're running some sort of an interpolation on the datayeah, I'm using the website I linked earlier>without the requisite trainingyou try to sound smart, but you are failing
>>62549504most already died being homeless. i see new ones on the street every week.
>>62553814>t. renter
>>62553825>i clicked da buttonsyou have no idea what i'm talking about, i understand this now. let's just leave it at this: you're reporting on a subset of the general population. your belief that the 401k figures reported by vanguard, fidelity, etc. are misleading is completely wrong.
>>62553838>let's just leave it at this: you're reporting on a subset of the general population.why did it take you 7 comments to understand something I spell out in every comment you're replying to and why is it a revelation?
It's the golden age of afrimerica, stop being poor you anti semite
>>62553838>>62553854since you're so smart and have """"""the requisite training"""""" you should go and "click on da buttons" yourself, the tool is very neat and you can pivot any data by anything you want
