I make $145k a year, $20 for a small meal isn't going to kill me. I only do it a couple of times per week and it's always breakfast so the total meal cost isn't as high as it could be. I know I shouldn't, but it's just too easy. That's how they get you. Convenience. If I could push a button and ban these apps, I would. Not for myself, but for the harmful effects on restaurants. Ok now if you'll excuse me I'm going to go order $50 worth of stuff off amazon prime instead of walking to the store and supporting local business.

>>20419245
alcohol makes everything easier

>>20419245
We are a dual-income-no-kids household so we can afford things like Uber Eats and Instacart. But we hardly ever use them because I deeply resent the pricing. It's just unnecessary gouging.

>>20419264
Your husband must be proud of you.

>>20419264
There's no such thing as "can afford" something that isn't worth it. If your disposable income is so large that wasting money doesn't involve a sacrifice in some other field of leisure, your budget is putting too low a percentage into investments.

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>>20419278
>If your disposable income is so large that wasting money doesn't involve a sacrifice in some other field of leisure, your budget is putting too low a percentage into investments.

>>20419278
Do you understand the value of time?

>>20419245
I wish you poorfags would keep this shit on /biz/. At least then maybe someone will give you some advice on how to afford a McDonald's burger and save us from your whinging.

>>20419288
>waiting an hour for some retarded thirdie to bring you cold soggy food.
just take 10min to get your own fucking takeout. stop being lazy

>>20419294
nta but isn't /biz/ just crypto scam threads and people who don't understand economics screaming about "fractional reserve scam" and the jews who own all the blackrocks?

oh also forgot the minimum wage silver stackers who spend all their disposable income on overpriced novelty rounds with jesus stamps hoping that the hunt bros will return from the grave and corner the market again

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>>20419303
>an hour
Lol. Why would I do that when it takes 10 minutes for the food to arrive? Seems like you live in the middle of nowhere, literally >skill issue

>>20419245
I get paid 2k in a separate card that can only be used to buy food, so yeah, I really don't care.

>>20419306
I live just outside of the capital city in my state and it takes 30+ min average for anything to get to me.

>>20419306
new orleans isnt the middle of nowhere. the problem is that the typical delivery driver is borderline illiterate

I don't support illegal spic moped riders so I refuse to use doordash. What a fucking gay and useless industry that employs actual fucking oompa loompa tier slaves

>>20419245
no. I've got a car so drive and pick up my food. getting food delivered only really makes sense if you're with a bunch of people who are all drunk as fuck and are absolutely not going anywhere.

>>20419322
>>20419323
sounds like a you problem, and yes nawlins is in fact the middle of nowhere, you shouldn't get delivery unless you live in NYC or San Francisco

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>>20419256
>I make $145k a year

>>20419338
>anon 1: how does anyone pay for this thing, I'm broke!
>anon 2: I'm not
>you: reeeee didn't ask reeeeee
have you tried onlyfans?

These motherfuckers will charge 30 dollars for a fastfood meal

>>20419245
You can't begin to comprehend just how retarded people really are. When was the last time you saw someone using actual money? People think it's magic at this point; want food, press button.

You pay by spending nearly all your available income.
No one is fucking saving any serious money anymore because they all got rused into thinking ordering food or eating out is normal and part of being an adult. Same with vacations.

>>20419359
It's just money

https://www.youtube.com/watch?v=LtFyP0qy9XU

>driver delays your order twice
>drives around your neighborhood
>your inner monologue tells you that they're fucking with you to get a higher tip or get cold food
fuck it, i know what i did. No I will not tip you more for your drive.

>>20419361
You can't take it with you and life sucks when you're old with or without money

>>20419372
life sucks a lot more if you're old and don't have money

>>20419367
Check your popular mapping apps, that's probably the driver getting fed bad info. I'm on the back side of a taller building relative to the others nearby and so the GPS puts me as closer to the other street, and everything was getting routed to the entrance to a totally different building despite the postal address being very clear about the entrance, because that's how the mapping shit tries to make sense of it all. So I had a lot of missed deliveries and "building entrance not accessible" status codes until I figured it out. I had to submit a bunch of corrections to all the mapping apps to fix it and then wait a few weeks for them to get around to looking at my request. Never had a problem since though.

rotating between dash, skip, and uber, I've had free promo membership for years now

>>20419245
>no fucking way people are this rich or this uncaring about it.
I'm rich but not stupid. I don't use any delivery service. lazy poors use it.

>>20419278
>don't enjoy anything and just invest heheh yes it will pay off later
post nose

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>>20419278
My labor my money = i spend on my hobby which is having brown people drive my groceries and dinner to my home.

>>20419245
I dont really get it either. Even if you go through the regular restaurant app, it's insanely expensive. I ordered Chipotle at work once and it cost 41 dollars. A single burrito plus tip.

I feel like these apps would work but only for a bit. You'd get everyone to try it once or twice and realize it wasnt worth the money.

I could see students ordering who came from money, or people who make good money in their job doing it, but absolutely no one else.

And even then, I feel like there would come a point where there were so few people who ordered, that all delivery apps and rideshare apps would merge into one thing. Drop this person off, head down the block, pick up this pizza, pick this guy up, drop the pizza off, drop the guy off at a store, pick up a package, drop off package, pick up guy and his groceries from store, etc.

It's insane to me that rideshare people have different apps that they toggle and have to go between like it's not all the exact same asinine shit and the same programming running everything anyway.

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>>20419359
Since it is indiscernible from magic many will treat it as such.

>>20419260

Which is a good thing

>>20419585

Can't you people chose to pay cash on delivery in those apps? In Germany not a problem.

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>>20419596
Americans seldom use cash in Urban settings, the "lunchtime rowdies" and "nice young men" are too liable to help some more at risk than you to your monies.

on the rare occasions where we do feel like getting delivery, my bf usually has a coupon in his inbox, like 60% off for orders over $25 or something
worth it if you don't get it too often

>>20419245
>and tips
ahahahahahahaha I only use that shit when I get a discount promo code begging me to order something, and I use it only on restaurants offering buy one get one free. Never ever tip, they are working for jewber or jewrdash, not you.

Work the system.
I use doordash, pay the dashpass fee for free delivery and just look for 40% off deals.
Usually pay between $20-30, for food that would cost twice that at the venue.
You can also just say your food is cold and they will give you a 50% refund (you can argue it to 100% if you can be bothered going through call waiting).

>>20419245
>no fucking way people are this rich or this uncaring about it.
you now know why most people live paycheck to paycheck. these businesses are kept alive by retards

>>20420213
>dashpass fee
i fucking wish i did that earlier. it saves so much money, like i'm talking like well over $200. i just hate monthly subscriptions

>>20419367
Like >>20419387 said, if it happens more than a couple times it's probably the GPS. These companies use the cheapest possible map data. It's usually out of date by up to a year and the geotags are often in the wrong spots. Uber expects drivers and customers to update the map data for them instead of paying Google or Apple for their data.

>>20419387
>fall between the cracks of surveillance technology
>voluntarily "fix" the "problem"
There's really no hope for the future of humanity.

>>20420868
They have your name, postal address, device ID, phone number, payment system unique identifier, and more. What do you gain by missed deliveries, precisely?

>>20420868
t. Godless twat
They can do what they will. I answer to greater powers than a fucking glowie.

>>20419245
I make 80k and have a good amount of disposable income and uber eats still feels like a massive waste of money. Most people who use these services make far less.

>>20419245
I did it more pre-pandemic when there were better restaurants, and I could manage deals/coupons/whatever. Upcharging wasn't as big of a thing. Honestly, I had 2-3 hours of time to myself every day. Maybe get home by 6 if Mr. Shekelstein didn't push me to stay late, booze it up as fast as I could when I got home, and then eat and try to enjoy any moment of my day before I was in bed at about 9 with a sleeping pill to try to get my 8 hours and be up at 6 for the next day of the same shit. Ordering in food was one of the few ways to get any time to myself.

>>20419303
It's cheaper than a DUI

>>20419331
You can get a DUI after like 3 beers

>>20419375
Tell that to my friend who got run over by a truck at work or my uncle who swallowed a bullet when his wife took everything from him a year before "retirement"

>>20419579
>I ordered Chipotle at work once and it cost 41 dollars. A single burrito plus tip.
You have to manage how you do this shit. Don't get a small fucking order and pay all of the fees, wait for a deal and get some BOGO shit where you're getting double the food with free delivery for 2 lbs of orange chicken or some shit.

>>20420191
>on the rare occasions where we do feel like getting delivery, my bf usually has a coupon in his inbox, like 60% off for orders over $25 or something
This is how to do it

verification not required

>>20419245
The only time I used food delivery apps was at the beginning of the fake pandemic
Just fucking go get it yourself zoomer

>>20420877
Emotional security that it will take the local police an extra 15 minutes to find your address when they scout you out a week before sending the swat team

>>20420906
>dui avoidance and free time maxxing
Its as simple as that

>>20420919
I see you've never interacted with police. They're not that competent. If they swat you, it's going to be in a klutzy, "roll up without any attempt at stealth, knock on the wrong door, fire 1000 rounds in 30 seconds, and shoot several of their own in the process" kind of way (obviously, they will find a way to retaliate from their friendly fire, probably by shooting most of your neighbors for good measure and then claim they were all junkies or something)

>>20419245
College kids "rich" from student loan money.

>>20420955
just when i think i've seen the most retarded post i've ever seen some braindead /ck/ /pol/yp one-ups it
godspeed, culture warrior

>>20419245
>no fucking way people are this rich or this uncaring about it.
think about the places where this shit happens: the city.
cityfags are the very definition of "waah I make 200k/year and i'm BROKE" because they piss away 1500/week rent and spend $80/day in food deliveries.

>>20420937
All I got is a dui and they seemed to run that checkpoint like a well oiled machine

>>20419256
>a couple of times a week
That shit adds up. You're going to be working an extra year or two at least when if you had eaten in and saved your money more and invested it, you could have retired earlier.

>>20421109
>never enjoy anything for your entire adult life so you can retire at age 73 instead of 75
I'll take that under advisement, thanks for the input

>>20419245
ai generated garbage

>>20419245
By having a job and not ordering fast food every fucking day. Yeah you're paying too much for shitty food, but if you're just doing it on occasion for the convenience it's not like it's going to fucking bankrupt you, retard.

>>20419318
>I get paid 2k in a separate card that can only be used to buy food
Do they choose your undies too?

>>20420975
Are you actually trying to imply that retarded college kids don't spend money they don't have on retarded things? How old are you, 12 or 60?

>>20421154
Holy shit you really are infested by a knot of Jewish tapeworms sucking out all your value while you smile about it.

Man wouldn't it be cool if the faggot mods would start insta-banning retards who post dumbass
>hurr durr y fast food so expensive
threads every five fucking minutes

>>20421202
Anon you’re just financially and socially illiterate
even if he ate DoorDash everyday at an up charge of 25dollars compared to what he’d spend normally it would only save him a year or two from retirement at the cost of allot of fun and convenience
Idk about you but I quiet enjoy not having to cook clean or rven leave the house


You’re just mad that this is out of your budget and wouldn’t even allow you to save
Which is more of a failure of the governments handeling of the economy and people well being while suckling at the corpo tit then it is of your own but that’s just how the cookie crumbles now ain’t it

>>20419256
WTH do you do? That's more money than I'll ever see lmao

>>20421262
Live in a first world country for one

>>20421174
He's 19 and mad because that post described him perfectly.

>>20421252
I get it now. Sorry for thinking saving $9000 a year would make a diff. I took special class in skool and fayled it.

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>>20420975
Why does Insomnia Cookies only have locations at college campuses?

>>20421336
It’s ok anon 9000 bucks is allot for some people you could probably retire in Somalia off that alone

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>>20420975
>just when i think i've seen the most retarded post

>>20421416
Jesus I need to start selling cookies the roi must be insane

>>20421262
Most white people in American cities make this much

>>20419278
Investing the extra money for what? So you can eventually buy more luxury goods later?

>>20422419
I'm not white, so I guess I'm underpaid

>>20420919
If goon squad need an extra 15 minutes to find your front door, it's a nothingburger
Dawn raids don't happen without several weeks worth of planning, at least in my country

>>20421071
Anyone sober will look incredibly competent when you're too sloshed to drive

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>>20421109
Yeah, it seems like you did

>>20422506
I was sober they just jewed me because they "smelled weed"

>>20419245

Sometimes it works out well but people tend to forget that none of these companies have yet to turn a profit

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>>20419367
>3 day layover in Taiwan, 10pm
>bus signs are all in hieroglyphs
>guy wandering by whispering taxi
>sure guy, sounds legit
>takes me onto a bus
>get dropped at side of road by airport
>get in his car
>no doorhandle on inside
>"You want cheap place or nice hotel"
>cheap, definitely cheap
>drives completely around the outside of the airport still making sure I don't want to go to the hotel
>finally takes me down some side street and he haggles with some old woman who has an inn
>charges me like $12 for the taxi and woman is visibly pissed at him
>get room, jam chair against door
>didn't get murdered
>got ride from another guy the next day

>>20420955
This is how Gacha and pay2win korean mmo work.

>>20422524
Try not being a drug addict next time. Thanks.

>>20422568
Let's derail this bullshit thread. How do so many tightwad queers wind up on 4chan? Is it the conservatard election tourist invasion or is it blank white paper autistics who think having one beer makes you everything wrong with society and we need to retvrn to 1955 when you would have been given a virgin wife by somebody at your church?

>>20422637
Flustered: The Post

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>>20422637
nta but wouldn't the retvrn chuddies want to be able to have three martini lunches and bang their secretaries because they all think they'd be reincarnated as rich 1950s european-american NYC business executives and not broke african-american shoeshine boys in 1950s tuscaloosa?

>>20420213
>>20420363
buy an ad plz

>>20422645
No. This can't be true. Everybody was good Christians and it was a high trust society. Nobody did dirty stuff like that. People got married at age 18 and had sex three times, once for each of their kids, and there was NO degeneracy.

>>20422861
>FUCK AND SUCK AND SUCK AND FUCK FUCK DUCK FUCK
humanity is a choice, you clearly choose to be an animal.

>>20422419
None of the ones i know
>>20421290
I live in CO

>>20423785
See >>20421290

My wife has no self control and orders lunch and late night snacks from doordash all the time

>>20422421
I like that you never got an answer because he doesn't have one. It's genetics, just an idea that you must accrue wealth endlessly and that's the fun.

>>20425542
Yeah I know, I was inviting him to think about his assumptions, not asking for financial advice. That being said, I do think that amassing wealth just to get the highest score possible is a legitimate game to play if you really have fun doing it. It's just stupid when people like that don't realize that not everyone is playing the same game. I make pretty good money and I knowingly waste most of it because I don't give a shit about savings beyond a reasonable emergency fund, nor investments beyond having enough for retirement.

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>>20425360
Sounds based, how fat is she

>>20425542
>>20425686
Have you both been monitoring this one thread 24/7?

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I know a lot of very, very wealthy people and I can tell you, they didn't get rich by ordering doorash every day or spending $1200 on a new iphone. They got rich by being born. Stop being poor. It's your fault if you are and the rich shouldn't pay taxes because that's socialism and socialism doesn't work. We found that when the soviet union collapsed. Lick those boots, peasant.

>>20425841
Have you never heard of a thread watcher you newfag? It turns red when you have a reply.

>>20419334
still takes at least half an hour everytime anyone i know orders delivery through one of these apps even if its from literally a block away
t. sf native

>>20426041
I'm sure you have no idea what percentage of their income the rich are paying in taxes already. You probably believe that they mostly don't pay taxes because they use some kind of secret loopholes. It's not true though, they pay a lot.

Despite making like 19/hr my coworkers will buy doordash almost every night, half the time they will throw away half of it cause it got cold.

>>20426041
>I know a lot of very, very wealthy people
your parasocial relationship with one of your champaigne youtubers doesn't count as "knowing" them, commie

>>20426083
>>20426071
I hope bezos sees this bro

>>20419245
I don't because I eat human food.

I can afford it by not tipping

>>20426062
That might be even sadder.

>>20426100
I bet you probably imagine your ideal country as being something like a modern Scandinavian country. Though consider the fact that the entire earth only has modern civilization thanks to the technological advancements made by the unfettered capitalism of pre-WW2 Europe, and subsequently the United States. We (unfettered capitalist countries) invented everything from engines and roads and trains and planes to electricity, phones, the radio and internet, plastic, antibiotics, modern medicine, and everything else you can think of. A company in a socialist country (or, a socialist government) has never invented shit of any technological value and they don't do anything useful. All they do is leech off the inventions and contributions of Americans and our spiritual predecessors, enjoying electricity and machines and medicine all for free.

>>20426152
So you've been manually monitoring this thread for over an hour in order to tell me this, while I have only gotten a notification and looked back for a few seconds to post each reply to this conversation, and I'm the one that's sadder? Absolutely hilarious.

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>>20426154
t.

>>20426158
>gets 4chan notifications
Ouch!

>>20426231
Let me guess, you get Facebook and Twitter notifications and think it's making you healthier?

>>20426263
No, I don't use any social media besides 4chan for which I don't get any notifications. The internet leaves me alone unless I go looking for it.

>>20421290
That's the top 5% of income earners in America

>>20426161
What is .t??

>>20426335
newfaggots die in hell, you come here from netflix or what nigger

>>20419278
>Investments
>In an economy just five to ten years from completely shitting the bed on a galactic scale
>In an economy where inflation outpaces the growth of wages
>In an economy where any investments of note are very likely to be confiscated by the state along with your gold and antibiotics the very moment the economy starts to shit the bed

Just spend your fucking money. Workers don't have to make 'intelligent decisions' so that other people can continue to live, those other people can just kindly starve already.

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>>20426154
Communism invented Tetris, so they have that going for them, which is nice.

>>20426154
pre-WW1*

>>20421262
Entry to mid level software engineers at big tech companies and senior engineers at most non-consulting/contracting companies make that much in the US.

>>20426366
If you were in charge and you had a choice of screwing over either

a. the schizos who store wads of cash in a mattress, or
b. the working masses with their nest egg invested in the US economy

who would you screw? spoiler: the schizos don't vote because "it's all the same in the end"

>>20419256
145k a year can't even get you a house in the united states.

>>20426719
I got my place before rates went up

Uber never took away my employee discount after I quit. Only reason I use it.

>>20426719
Trendy city neighborhoods are less than 0.1% of the United States.

>>20426775
What's the point of buying a house if you have to live in a majority black neighborhood? That's the only place you can get one that cheap

>>20426793
>99.9% of the United States is majority black.
Are really this stupid?

>>20422541
You like to to live life dangerously huh

>>20426793
Some people would rather not live around a lot of whiteoids. Gets tiresome.

>>20426805
He's just pearl-clutch-maxxed, if you don't live in some insanely snooty gated and fortified apartheid south africa tier Community you are going to get raped to death by a pack of niggers within 5 seconds of stepping out of your front door. Same reason he owns 200 guns. He's really tough and secure in himself which is why he feels so safe all the time

>>20419245
I use the 40 percent off they constantly give and sign up for the one month free trials that knock down all the fees. I cancel before charge. A week later they send another. I thought these things would dry up but they never do.

>>20419245
It's called "Living paycheque to paycheque and amassing debt from payday loans and credit card bills."

>>20426805
Show me a white community where you can get a livable house for 145k

>>20427393
The entire state of West Virginia.
Now be a good redditor and move the goalposts.

>>20426335
Did someone link you here from facebook or ????

>>20426817
Yeah, I'm tired of living around actual humans that obey laws and aren't constantly shooting up fentanyl
Hustle and bustle!

>>20426327
Skill issue

>>20426719
>Things retards actually believe

>>20426111
This
I never tip only order when they send me a please give us business here is 60% off email and collect as many refunds as I can they limit your card so I just do this every time I need to replace my card
Fuck all of those apps and if that’s how you make your money as a driver you seriously need to reconsider your job options

>>20419245
>how does anyone even pay for doordash, ubereats, ect?
maybe they don't own cars.

>>20427828
man I use to spend half my pay check on Uber eats when I didn’t have a car those where peak comfy times
My job required zero effort (security) and my life just subsisted off of weed food delivers and hanging out with buds I miss those days

>>20427845
Like if you got good friends weed bills taken care of and yummy food delivered to you life can’t get better

>>20427772
Not exactly sure what you're trying to express here but yes, "rustic" whiteoids are fond of the old fent, aren't they. Glad I don't have to deal with that

>>20419245
Mostly overpaid urban PMC/yuppies who still live beyond their means are the primary customers.

>>20428075
private military contractors?

>>20422992
Humans are animals. Thinking we are above nature is what has led us to where we are. Man is hubris.

>>20426719
Completely and utterly false. Maybe try looking outside large city metro areas.

>>20427393
You moved the goalposts already. First you said a 145k salary can't get you a house. Now you claim 145k on its own can't get you a house. Both are completely false.
Just stop, you don't know shit about real estate.

>>20428021
Fent and heroin. A bit of meth too. Rural whites are the mirror image of urban blacks. Except blacks use more coke and tranq.
t. White guy who moved from a city to the country

>>20419245
I get it when its some small business but the fees McDonalds charges are offensive. Fuck is their problem.

>>20419245
>pay for doordash
LOL! Use fake names on the app, refund every order, never tip..

>>20428115
>>20428109
zoomers just think they're entitled to a top tier Architectural Digest house in the finest most exclusive neighborhoods and if they can't have that for free, it constitutes a "housing crisis" and we need to cancel the government and privatize everything. you can thank YIMBY astroturfing campaigns for that.

>>20428109
I have a home, but I know people in Wyoming who make 200k and can't find a house.

>>20428021
I've never seen White people use drugs and I've lived in both a major European capital and rural areas. And you know perfectly well what I was expressing you little Loxist

>>20419294
You know how I got rich? Every time I fucked your mom she gave me a dollar.

>>20428115
>>20428142
What the fuck am I going to do in West Virginia or some other flyover shithole? You can't say "145k can get you a house" and then point to a place where the highest paying job is cow milker or coal shoveller. You only get that salary in a real city with business and tech jobs.

>>20428142
You're a dumb seething tard because I'm not a zoomer. I don't own a house in a city, I own out in the countryside. And I bought a few years ago before interest rates took a shit.
Imagine simping for the government, top fucking kek. What kind of a neocon cuck are you? I bet you'd sell your house to BlackRock if they offered you a good enough price.
You don't know shit about real estate. You probably don't know shit about anything except for waifu pillow prices, you extremely online mongoloid

>>20428387
You asked where 145k can get you a house. You got an answer. Now you're bitching it's not where you want. If you want a house for 145k it's gonna be in a low population area. But if you make 145k, you can definitely quality for a home in a lot of suburb areas and cities that aren't fuck-you-up-the-ass expensive. And have you never heard of remote jobs? You can literally make six figures from anywhere as long as your job is remote.
Are you in your 50s or something? I can't imagine why you're so clueless unless you're literally old enough that you haven't thought about current issues.

>>20428099
professional managerial class

>>20428387
I wasn't the one who said to go to WV. you can get a condo or co-op in the city, no one is entitled to a 10,000 square foot mcmansion in short hills NJ

>>20428390
I am enjoying how mad you are, please type more angry words

>>20428387
Yep, moving goal posts just as I said you would. Don't claim 99.9% of the United States is majority black if you don't want to be called out on that claim being erroneous.

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>>20419245

>>20421154
You must be fucking crazy to be making 145k/yr and target your retirement at 75. I agreed with your first post but this makes it sound like you're actually retarded with money, or it's a larp

>>20421252
ESL

>>20428521
>ur mad
Didn't refute one thing I said. Thanks for submitting and admitting I have the superior arguments and intellect. Go back to your Discord hugbox.

>>20419245
Pay tips with cash. Those apps steal delivery tips if he fucks up in any shape or form

>>20428897
Neither, you're just conflating different anons. I'm targeting my retirement at one day after my parents croak and I inherit a house and can just stop working and spend my shekel hoard on property taxes and power bill and spend the last 30 years of my life neeting and living on beer and beans

>>20428897
Original anon here, you were talking with someone else but I'm curious, what should my retirement plans be, to be exact?

>>20429257
If you're making anything over ~90k you should be contributing max to your 401k, at a minimum. If I assume you're around 30 now, work for the next 20 years, you'll have ~1.3m in your 401k alone, assuming a very low growth of %4 (average is ~6%, which would be 2m). You'd need to either be really old starting from nothing, or investing absolutely nothing outside of 401k if you're expecting to hit a retirement target at 75.

>>20429297
I don't disagree with the spirit of what you're saying, but 1.3 million isn't going to mean much in 2044, certainly not "I can retire now" money

>>20419245
I always wait for the discounts I have gotten up to 60% multiple times and I'll often get 40% ones + buy 1 get 1 for free that some restaurants offer. I can even do cheaper grocery shopping like this and it gets delivered to my house and I do not buy stuff I don't need as you would when physically grocery shopping and I can look up recipes online and think of what I'm going to make. for me Uber Eats = usually cheaper than physically going to the restaurant and I don't own a car since I'm European and even if I did I would have to wait in line and deal with traffic. The only downside which made me stop using it as much is shitty delivery drivers. Like I'll see some North African doing a wheelie on their shitty bike with a uber eats box on the back and I'm like oh shit this is why my pizza looks all messed up. these people loathe their customers. Honestly if they added a thing where you could cancel specific drivers within say a minute or so of them taking the order it would improve the service and I would use it much more. And yes I am a poorfag on NEET bucks so the whole discount thing is amazing for me and has saved me tons of money. But there have been orders I had to toss because of incompetent brown delivery drivers. Things like them leaving the order at my doorstep but not ringing the bell and finding it the next day. I also had one big black guy who would always take my grocery orders and I often found the croissants and danishes would be missing so I knew he ate them.

>>20419256
imagine being such an inconsiderate faggot that you waste 9k a year while people starve

>>20430731
He's spending it quickly in a way that creates jobs. What benefit does spending it "wisely" provide to poor people?

>>20425686
> I do think that amassing wealth just to get the highest score possible is a legitimate game to play if you really have fun doing it.
It's defensible if you have kids (and not gay ones, ones that will themselves have kids), then there actually is a lot worth paying for like college tuition, health insurance, cash and cars so they don't have to suck dick or serve french fries in order to live like human beings before the age of 30, random fuckups, etc. and your estate will support people you care about after your death. But if you're in the boomer-tier hedonistic mindset of "money is for having more trips to hawaii" then it is totally fucking stupid to save, the whole point is just to be lazy and experience pleasure so you may as well do it now, before you get a heart attack or they cancel society again due to a psy-op.

>>20426697
I'd screw over whoever had more money, it's very simple.

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>>20430731
I also donate money to a local mutual aid group, actually more than I spend on doordash, but if you want to get into hypocrisy, I also am a big fan of champagne*, and I consider myself a socialist and a leftist (not liberal), so instead of fishing for stuff that simply isn't there, why not base your "and yet you participate in society" on this new information

*from AOC champagne, of course but also méthode traditionnelle in general, speaking of AOC who doesn't love AOC champagne? I love the bracing acidity, the yeasty smell of brioche and peach mmmmm I think we have a blanc de noirs here, nectar of the gods

>>20430794
Anon just can't into math, $20 twice a week isn't $9000 a year. Maybe he thinks money works like the crypto ponzi scheme he missed out on.

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>>20426154

>>20430879
The issue is that he somehow thinks that spending money destroys it and takes it away from the society, somehow even the people he is paying it directly to.

>>20419256
>$145k
I would pay a cute 18yo student to cook supper, clean and do laudry on weekends and bang for $30k a year. You can even do it for free if you let her live with you for free.

>>20425542
I've got lots, but back and forth discussions on the internet are rarely a good use of time. Take my advice or discard it, it's all the same to me. The fact remains that fast food app delivery fees are a waste of money that could have been spent better somewhere else regardless of how much you earn.

>>20431592
Mate, you got demolished.

>>20429306
These are super lowball figures. Likely, it'd be 2m at minimum from average interest, on top of that, you're probably getting at least 2-5k over the maximum, because employer contributions allow you to go over the cap, if you're making 145k, it's probably safe to assume your employer has some amount of 401k matching. If you're making 145k, and the only money you've saved is in your 401k, something is going extremely wrong. What's happening with stock options? Bonus? No retirement plan from company? 2m in a 401k, plus everything else should be more than enough to retire. Unless you have a shit ton of kids or something, there shouldn't be any need to work over 20 years, if you're making over 100k/yr.

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>>20431602
>it's probably safe to assume your employer has some amount of 401k matching.
Of course. Along with a defined benefit plan and the gold engraved wrist watch if I stay there for 10 years. Now if you'll excuse me, it's time for the afternoon smoke break by the fax machine.

>>20432257
Unless you're self-employed, these things are offered in 90% of career paths that are going to be paying >100k a year, minus the watch. It's obvious you're just larping

>>20432504
Why would I larp about a completely unimpressive salary? You know that there are jobs other than "burger flipper" and "business executive at a big traditional 1980s style corporation", right?

>>20432531
What do you do that you get 145k/yr salary and no 401k/retirement benefits?

>>20432539
I didn't say I don't get a 401k, but I am not surprised at your reaction. A lot of people seem really confident they understand retirement plans until they meet me and discover most of their assumptions are incorrect.

>>20432546
First, if you know all this is standard, but doesn't apply to you specifically, why are you arguing your edge case as if it was standard? Second, even without all those benefits, it'd still be astounding if you aren't able to save enough for retirement well before the age of 75 on that salary.

>>20426041
Guaranteed you're a jew who knows other wealthy jews and tries your best to ignore that it was jews who caused the mass murders in the soviet union who then fled here

>>20426355
>>20427707
baited

>>20432601
Because after the 20th time, it starts to get irritating to have this conversation with acquaintances, friends, and family members, who try to explain things incorrectly, in a tone that suggests they think they're giving me the gift of their great wisdom. They always seem a little bit miffed. Because it's meant as small talk mostly, but also to a small extent it's supposed to be real advice, and advice-givers don't enjoy the feeling that they weren't actually in such a great position to give the advice they were trying to give. I always feel like I'm expected to apologize to them for correcting them, when their advice was almost always unsolicited in the first place. Also I had a short lived "career" in employee benefits, not that I was ever an expert on the topic but you'd think I'd know more than the average bear, so why are they the ones explaining this shit to me? It's such a boring conversation, I should just change the subject but maybe part of me relishes the awkwardness. Better to have this miniature battle of the unwarranted self importances than the usual shit about the weather or what's goin on with that sportsball stadium thing they said was going to happen. Or cars. Or god forbid someone's little crotch spawn and some bullshit about school that I don't care about and having to feign concern. At least I don't have to feign irritation. That's a real emotion for you, see I'm just like you. If you liked this video please like and subscribe.

>>20432646
>Original anon here, you were talking with someone else but I'm curious, what should my retirement plans be, to be exact?
You literally asked