holy fucking shit I just had a brilliant idea come to meInstead of paying $1500 a month for rentI could take a loan out for a small, cheap RV, and live in that. The payments on the loan would be smaller than my rent, and I'd pay the RV loan off pretty easily and own it. No way would the payments on the debt be more than $1500 a month unless I'm trying to pay it off in a year.once I pay the loan off, I don't have any expenses for shelter. I'd be able to invest 90% of my income, then be able to retire in 20 years or less.
>>62763588How shit? How drink?
>>62763594tbf you don't need to pay rent to access toilets or find water
>>62763588Yeah, that's a thing people doIt's pretty cold and uncomfortable but saves a ton of money
>>62763588It take only one nigga crackhead to blew up your RV and make your life a complete failure
>>62763588You could also just get a mortgage for like a townhome or condo. If you wanna RV, you're better off buying a van and converting it. 100% tax deduction on your taxes the year it's bought if you use it for "business" via section 179. Make $45k/yr working at McDonalds? That van you just bought for $45k means you made $0 at your W2 cuck job. Your "business" doesn't even have to be profitable. You could probably get away with doing 1099 courier work like once a month to keep up the LARP. i.e. ubereats, doordash, amazon flex, tons of 1099 work out there for sprinter/cargo vans. The pocket you change you made from your "business"? 20% tax deduction via QBI. 0.76c/mile tax deduction. Anything else (Starlink because you need internet to do your courier job afterall). Anything remaining? Solo 401k and max that shit out so your business makes $0/yr. You'll at worst pay 15.3% SE tax that you'll eventually get back when you're old enough to start collecting from your worst lifetime investment (SSI).
>>62763607no fucking way am I putting into a 401k when I don't have employer matchingjust to lock my money up until I'm 60No.Money stays in my brokerage account, and I can just sell shares whenever I need money.I can live on less money than capital gains kick in easily.
>>62763611Sweaty, you might be too retarded to understand the potency of a solo 401k. When you're a "business" owner (1099/independent contractor), you are both the employee AND employer. That means you can set your own 401k match and contribution. Say your "business" made $50k in profit. You contribution $24500 to it (maximum contribution limit). You set your employer match to 20% of your net profit and stuff it well beyond whatever 4% a regular employer would normally match.
>>62763614Oy vey shut it down they goyim can't know about it!
>>62763617>>62763611Wait until I teach the goyim about how to take out money from your 401k without paying any penalties.
>>62763619I remember hearing about it in 2016 when people were transferring their 401k's into $3 ETH and sub $1k BTC. Not sure how it works tho
>>62763588>I don't have any expenses for shelter>Tire goes flat>Brakes need done>Coolant system goes out>Spark plugs need replaced>Battery/alternator>Insurance and keeping it street legal>Inspections>etc etc etc
>>62763622I used to live in a shedyou really think I give a fuck about all of that?
>>62763588>small, cheap RVthere are no cheap RVsquality of living will also be much lowereven a 1bd shitbox is better than these moving trash cansnot sure how it's in the USbut in my euro country, you can easily find jobs in more rural / less desirable areas and buy a house for <200k€ (which is <1k€/month)assuming you have some kind of qualification and aren't a minimum wage serf
I have no idea about laws in muttistan but around here you cant just park and live in an RV somewhere, it has to a kind of trailer park and those cost money
>>62763619enlighten us masta!
>>62763633so you don't really want the "vehicle" part of an "RV"?
>>62763698https://rv.campingworld.com/rv/2009-tiffin-allegro-35qba-2663286-uxbridge-ma?storecode=UMA&scpc=evrgrn-gshp-cwrv-nat-vla-troas&gclsrc=aw.ds&gad_source=1&gad_campaignid=23852471519&gbraid=0AAAAAD8jUGOs82g2XtuAbcl7QB4sN2n06&gclid=CjwKCAjw_pzWBhAkEiwAwDCi1Tvj1271ylwHFFvO_-820l25TWsjEHIWO-HeNbJ3HNFc6ucLpiT84xoCfXkQAvD_BwECheaper than a house
>>62763588I'ma be real if you had any brains at all you would just find a cheap ass place, trailer even, in the brokest part of the country you can find. There are still plenty of backwaters with few jobs where you can find a place for less than $1500. It sounds like you can work remotely so get the lowest possible living expenses through these means and sock the cash away. An underrated option is to be on the fringe of a larger city living in a place that is just a little farther than people want to commute. That's where a lot of cheap housing can be found and you don't have to be eight hours drive from civilization.
If you're not a pussy the move is to live around foreigners and even blacks. You can rent an apartment in New York City for less than $1500 easily if you're willing to live around riff-raff.
>>62763941I was homeless for three years when I was 15 to 18.imagine talking down to me like you have some advice on dealing with poverty. I'm suprised you didn't mention buying rice.
>>62763958You sound really tough and also completely retarded. You're talking to a literal orphan and I never had to be homeless because I wasn't a retard. Nigga OP wants to pay $1500/month and I explained that he could live in the biggest fanciest city in America for that kind of cash. If you're willing to live in sheds and deal with RV's or trailer bullshit just to lower cost of living there are better ways. Truth is that living in the ghetto isn't that hard if you're not stupid as fuck (you are).
why do people like OP go through all this trouble instead of doing the traditional thing for poor people like him and move into a trailer park?
>>62763998This OP can also fuck some trashy trailer park pussy.
>>62763998trailer parks aren't nearly as cheap as they used to be thanks to private equity jews buying up the parks in recent decades. this is especially true in any otherwise nice area. in the sticks you can still get a cheap trailer but like I said above you can get an apartment in some migrant or nigger area of any city for the same price. comes down to how you get your income and what you want to do/see when you go outside.
>>62763998>>62764002trailer park bitches are top tier puna
>>62763992>You're talking to a literal orphan I don't want to argue anymore. You're not so bad.
>>62764007I fucked one a couple of years ago, she was half Puerto Rican so she has a fantastic ass. She was on birth control and insisted I cum inside. She was batshit out of her mind tho and the trailer that she lived in with her mom was disgusting.
>>62764008
>>62764009> her momI'm listening.
>>62764020Anyway, I've lived in multiple trailer parks,and in the ghetto, right next to train tracks, air port, and heavy industrial machinery grinding all the time. I even lived in a black trailer park as the only white person there, and all the others were blacks.
>>62763588Unless you own land, you're going to have to pay someone to park the RV, ideally with a connection for power, water, and sewage.
>>62764032most RV parks don't let in older cheaper RVs anymore
>>62764024Her mom was fat and ugly
>>62764043Fuck. You know there's totally a puna in there with a hot milf for a mom. Come on anon, you can do it!!> also post their tits when you do
>>62764047Hot mom's don't exists in trailer parks you nerd. The whole point is to fuck them before they hit the wall or get pregnant by some nigger. Usually around early 20s.
>>62763588A RV is $100k + maintainence. You'd be better off buying a condo unit and you'd get a lower interest rate on the mortgage than the auto loan and you'd gain equity indtead of losing it.
>>62764058>Condos Those are far more expesive, what are you even on about?
>>62763621>>62763769When you're done working (I.E. in a low tax bracket)., you can roll your 401k into your Roth IRA. These Roth IRA conversions are considered a contribution to your Roth IRA. Contributions to a Roth IRA are able to be withdrawn tax & penalty free since you've already paid taxes on them. The only thing you can't withdraw is the actual capital gains. You contribute $7500 to your Roth IRA this year and it increases to $8000 next year, you can withdraw that $7500 and still have $500 left in your Roth IRA. Same concept with the 401k -> Roth Conversion except on a bigger scale with $50k (keeps you in the 10%-12% tax bracket) from your 401k rolled into your Roth IRA every year. The only caveat is that you MUST wait 5 years with the 401k -> Roth conversion to avoid the penalty. Just invest like $150k+ into QQQI in a taxable brokerage to hold you over financially for the 5 year conversion window. It's ROC, so 0 taxes on the dividends for 7-8 years. Boom, you retired early and no 401k penalties.
>>62763588Didn't some guys working at Google do this? Rent in Sillicon Valley was sky high so they just lived in the parking lot outside the Google building
>>62763588Or you could just make more money?
>>62764053it's a trailer park bro, hot moms exist in their 20s
>>62763588*kisses you and kisses you*
>>62764032You can't park an RV on vacant land in most of the US. Places that allow it have a time limit. Nobody wants poor people in RVs buying land to park on
hey op have you ever hear of lot fees?
>>62765489Out here in the west, park rangers will harass the shit out of you because they're tired of bums abandoning their vehicles on public lands. I think there is even vehicle age restrictions because of that. He'd be confined to KOAs, which would cost more than renting an apartment. I have lived in small town in Alaska (Valdez, AK). Living in an RV is completely normal there due to the lack of housing. Great place to live though. You can get a high paying job at the refineries or fishing.
>>62763588van life nigger
>>62763588Do RVs have toilets? Where does the poop go? Where does the water come from? Do you need to run the engine to get electricity?
>>62766284>I have lived in small town in Alaska (Valdez, AK). Living in an RV is completely normal there due to the lack of housing. Great place to live though. You can get a high paying job at the refineries or fishing.how do you survive the alaskan winter in an RV?
>>62763588i watch dudes who try to LARP van life, they have a place to live but try to simulate what life would be like finding random parking lots and suchits not easy, even if you find an inconspicuous parking lot, cops can easily pull up and knock you for trespassing, or if you survive the night, people who work in the area can also knock you for trespassingit used to be you could find a corner spot in a walmart for safety per the advise of local police cause walmart doesnt give a shit, but even that advice is moving towards out of date
>>62763607>dude just get a condo for high 100k or low 200k>scroll down>look at the fine details>HOA Fees: 500-1000 a month
>>62766601This only happens if you stay in an area for more than a night. 24 hour gym parking lots are perfect especially if you have a membership.
>>62766565Same as anywhere else. Everywhere has access to heating blocks/shore power. Some people even live in their boats. Also, Valdez is on the coast, so it's warmed by pacific ocean. Just do a google search and you'll see that it doesn't even get below 20F. Just snowy as shit.
