no

he gonna explain how to get one million or no?
Stupid psyop to get us all hobbyless, helpless, hapless until we're 65.

>>64359289
Seriously. One thing I can't stand about finance boomers, is what's the point of being a miser until you're 65. Live life, money is almost exactly worthless. Not to say its good to be pay check to paycheck, but fuck me I couldn't imagine how miserable if I saved every penny of my disposable income for the day I'm old and feeble.

>>64359289
>>64359314
This is why you young kids aren't able to afford homes. You spend every dollar you get on Starbucks coffee, Onlyfans subscriptions, and cheap glocks with holosuns.
Now if you'll excuse me, I have to make another $1000 Mosin Nagant add on www.gunbroker.com and take my 66 Stingray convertible out for one last ride while it's warm outside. Kind of weird, because I remember it being colder back in my day.

>>64359314
This. My financial advisor is like “you could probably put a lot more into your retirement accounts every year, and not feel it”. My response is “I’d rather spend it now so I can go on trips with my family, enjoy life now, than be 70 years old on a rascal scooter behind some tour guide and not be able to participate in anything other than look around.

t. Actually went on a viking cruise down the danube with my family, we were by far the youngest people on the boat (i’m 40 and the wife is 34), all the boomers just sat around on the boat and ate. Meanwhile we did all the fun stuff.

>>64359314
The idea is unironically to get peoplel dependent on the government. If you have no hobbies you have no skills outside of your work. No skills, no way to get money if you're cancelled / lose your job. Your roth? 401k? crypto? Intangible assets that can be wiped out.
Basically finance boomers want you to be the gov's bitch.

>>64359406
The truth is us based moderates will never enjoy retirement; we will be working to the grave.
Retirement age is already 65 where I'm from, by the time I get there it'll probably be 75, desu

>>64359314
>the virgin "save it all and never spend" Gordon
vs
>the chad "BORROW FROM THE BANKS AS LONG AS THE RATES MAKES SENSE" Ben
i know who i listen to

>>64359435
This. Banks are about to get their balls stomped in as soon as the AI bubble pops. So fuck it, why worry about borrowing when the bank is a bout to go tits up?

>>64359421
To be fair, being poor and old is miserable. Just ask the Russian or Chinese boomers.

>>64359452
But you gotta fear the banks bro. They're too big to fail bro. You'll never outrun your debt

>>64359460
Good luck getting it back Mr. Goldberg-Schwartz.
>https://youtu.be/NTFI3An0vBw?si=AetECF0mfX7XIpBF

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Dave Ramsey offers genuinely great financial advice and it makes a ton of sense..... If you're a poorfag (or euro). If you make actual real money his advice is gay and retarded. 10 years ago I was making $25k a year and I listened to him religiously. This year I'll clear $250k and his advice is almost irrelevant. Moral of the story is don't be poor.

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>>64359241
Semi automatic rifles are how I'm going to get a million dollars, silly.

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>>64359494
FUCK! Why didn't I think of that.

>>64359550
if you live in America any retard can make $150k a year with literally any sales job. All you have to do is try a little bit and not be an incel creep

>>64359241
I just need to spend another $100 on magazines and I'll be set.

>>64359460
>You'll never outrun your debt
LOL, just ignore the debt collectors. Make a game out of being abusive to them when they call. The statute of limitations on debts is 3 years.

>>64359494
Also this. He totally eschews debt. Time value of money being a thing, it’s often cheaper to incur debt than to pay cash, take what you would’ve paid in cash and invest it at a rate that exceeds the debt service.

>>64359662
The real strategy is to take out a loan to buy a one way ticket to a country with no extradition. Let's see them come collect when I'm chilling on a Vietnamese rice farm

I make enough to live, I save more than I spend, and I enjoy my job so I think I'm content to just stay a relative poorfag and buy things I enjoy every so often.

>>64359662
>The statute of limitations on debts is 3 years.
Bunk, I recently got a letter from a law office over a 2k credit card debt to US Bank from 6 years ago.

>>64359662
It's 7 in the US.
t. Finserv fag.

Also I'm not often a fan of Dave, also his retirement advice of taking out 7% is pretty damn reckless also his parents bailed him out a few times.

Also Dave, already a Millionaire, it's not much a flex anymore. When time comes I'll live off my wife's pension anyways.

>>64359744
Then I guess I'll hold out another year

>>64359772
I can't legally tell you it's a good idea, but if they haven't drug you to court or got an order for garnishment, it might in theory not be the worst idea.

>>64359780
>got an order for garnishment
And if they have?

>>64359790
Depends on state, but if they have an order of garnishment, they can and will do so.
At that point you kinda have to get off the books or file bankruptcy.

They have your info and will send the order to your employer and or banking services (assuming you're self employed or day trader or living off a trust etc)

They have to comply or get into shit themselves up to and including fines and being on hook for employees debts.

This isn't exactly my specialty but have had clients go under so know some debt stuff.

>>64359790
You should'a moved all your assets into a trust years ago.

>>64359811
I should have gotten help instead of spending those years pleasure seeking.

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>>64359817
now you must become gangster. Become like black lagoon trading company and import shady shit on boat. deal only in cash and sell cheap ass in Tijuana, crack in Miami, fent in Philly, and cocaine in Boston. Ride up to Orlando and sell knockoff spiderman figurines. Ride down to Acapulco and sell even more ass. Tight ass. If you don't become a hustler then you will be hustled.
This is the way of the modern /k/ommando. Bury the normie deep within.

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also you must buy pimp cloak for your platecarrier. non-negotiable on aliexpress right now.

>>64359429
>>64359406
My retirement plan is to open a retirement home for /k/ommandos and then we just kill whoever we like least in the house every few years and collect their social security checks after burying them in the back yard.
Probably won't last forever, but I bet we can make it at least a decade or close.

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>>64359898

>>64359898
I nominate this anon for our sacrificial lamb.

>>64359289
>he gonna explain how to get one million or no?
Just add money into your investment account every month retard

>>64359617
But like 1/3 of American penis-havers are incels.

>>64359241
Millionaires only say this because they know they aren't bulletproof

>>64359241
Explain why, in detail. Be precise, descriptive and convincing.

>>64359314
>t. dipshit zoomer can't comprehend the possibility that he might live past the age of 30
have fun working until you're 80 and dying the day after you retire.

>>64359494
this to the superlative degree. His advice is for the low-iq with little to no impulse control. Once you've crossed that barrier and started to make some real money, you realize that you can break a lot of the rules he sets and get away with it. Even a very basic value-play should net you substantially more money than his pseudo-boglehead strategies and the only barrier for entry is having enough money to risk on it.

Actually kind of correct advice. I'm in my 30s now and I realized I was buying shit to impress people I don't care about and it was just an ego thing. Much better to have 10k in your savings than extra guns.

>>64359662
This only works if you dont mind not buying a house, or renting.

>>64362438
At this rate I kinda hope I'm dead by 30. This world has already gotten so incredibly gay in the last 25 I'm not looking forward to another 25

>>64362658
lol lmao the ride never ends
t. 33

>A society grows great when old men plant trees in whose shade they know they shall never sit.
The same people who quote this will say the same rot that >>64359314 said, without a trace of self-awareness.

>>64359289
>how
Spend less than you earn.
>but I'll never reach a million that way
So teach your kids the same, leave them something, and they or their children might have a better chance in life.

>>64359421
>finance boomers want you to be the gov's bitch
exactly the opposite, retard

>>64359898
actually a known thing

>>64359241
There's nothing wrong with having one, it's like buying a lock for your door. No point obsessing and spending excessively on it however, true. As with all things.

>>64362468
His advice on credit and professional school financing is retarded. In general his advice will cost you a fortune if you have a modicum of financial literacy. He preaches extreme debt avoidance instead of wealth maximization. Hard pass

>>64363004
Debt avoidance means you can up and leave any time. It's pretty good if you don't plan on running a business.

>>64363066
Leave where? With what money? For what reason?

>>64363084
Leave to anywhere you want at any time. It means you can afford to fuck around or leave it all behind. The money should be basically liquid in easy mutual funds or RothIRA. Of course, a house and land is good too instead of being a rentoid.

>>64363084
nta, but it's called freedom, brother, you gotta answer those questions yourself.

>>64363004
Yeah, that's what I'm saying. Only people who are incapable of rotating apples in their heads should follow his advice, since they're also incapable of not being late on their mortgage/credit card payments.

>>64363066
Extreme debt avoidance means massively opportunity cost. The loans I took out to buy my house and become a doctor are below a 3% interest rate. Paying that all up front would not have been possible. A loan below inflation is like being paid to take out money. My house has nearly doubled in value and my education has exponentially increased my income. On what planet can Dave say this was a bad financial move?

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>>64359241
Guess I'll stick to amassing garbage rods then.

>>64363124
Those are investments that you own. If you're not speaking hyperbole and he actually advocates that, then yes that would be retarded.

>>64363115
>>64363116
Anons, saving up to afford something actually takes longer than buying it on credit.
You might not know this, but you can actually, get this, pay for things with credit, up to and including properties, vacations, automotive transport and food.
So, yeah, you could save up 10K and "just go anywhere", or you could put 10K on credit and "just go anywhere".
There isn't a fundamental difference between credit havers and "savers"; except that one group leverages vastly greater wealth than the other.

Just a little breakdown; the average of income saved per US household is at the lowest it's ever been since the 2008 recession; 4.6%. Considering the average household income is 83,730, that would mean the average rate of saving is 3851 dollars per annum.
It would take on average ten years of saving to buy a (singular) entry-level automobile, and it would take an average of a hundred and thirty eight years to buy the average house in America, at 534K$.
So, yeah, just wait two entire lifetimes to buy a house, goyim! Credit is ebil!!!!!!!!

>>64363181
No shit you finance a home. Are you arguing with made up people in your head?

>>64363181
>blathering and pointed, hostile strawmanning
man it's fun when you guys pretend to be smart. Keep it coming.

>>64363168
Taking a loan to buy a house is the only loan he permits because he’d have no audience saying otherwise. Then you need to live in total misery paying it off early regardless of what interest rate you ahve on it. Never get credit cards as you Shoukd have no credit history or enjoy cash back/points even if you religiously pay it off. Professional school should be paid with scholarships (virtually nonexistent for things like law school or medical school), paid up front (good luck paying law school with pizza delivery), or with military service (which is also just a massive waste of time for most people). Ramsey is a retarded fucking boomer that preys on financially illiterate Christians

>>64362794
>will say the same rot that
Except it's not a tree being planted for future generations, you're giving it to the fucking boomers to speculate with and leech from in a goddamn coin-clipping operation called inflation. And that's not even getting to social security taxes which are a blatant fucking ponzi scheme. So you can work to support the most spoiled generation of evil fucks the planet has ever seen.
A generation that grew up on a planet fertilized by the corpses of tens of millions which allowed a level of economic equality not witnessed since the fucking hunter-gatherer era and yet blessed by modern technology.
A generation that then promptly utilized/stood by and watched while others utilized it to fuck over everyone that came after them in every conceivable way that wouldn't screw themselves over too badly before they get they get to peacefully drop dead after a long life of sucking the vitality from everyone around them.

>>64363184
>>64363189
Then what the fuck do you mean by debt avoidance? Not going to college? Not buying a car? Not using a credit card?
I'm sorry for assuming that by "debt" you meant "debt", desu

>>64363253
Financing education, a car, or using a credit card irresponsibly, for one. Something like pay off your debts before taking more out for shit you don't need.
Getting a car is fine. Financing like a drunk marine's first big boy paycheck for a sports car is fucking stupid. Using a credit card like a debit card is great if you're going to pay off the balance every month, but running up charges and just paying the minimum payment is retarded.

Education and homeownership can be both very good or terrible financial decisions. It's all avoiding stupid debt, not being such a financial hermit that you wouldn't leverage debt for investment.

Unironically buying guns gives me a sense of ownership despite still living in my mom's house.

>>64363348
TL;DR credit good
Which is the exact opposite of the Ramsey philosophy kek

>>64359241
>save money
>will lose half of its value if not more in the coming decades
>can't even buy assets, much less appreciating assets

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What are the financially /k/onscious anons working on lately?
>/k/redit score: 815
>mortgage rate: 3.50%
>brokerage acct.: little over $200k, mostly in Vanguard VOO + a little in energy stocks
>still have not bought any bonds
Thinking about putting some money into a commercial real estate stock.
I always think about putting money into defense stocks like Boeing or GD but honestly they don't do that great if you look at their history/projections
What about you, /k/?

>>64364115
>piss away money
>can't afford assets and have debt on top of it
Like the other anon said, it's for people too stupid to into personal finance. Investment debt is not the same as debt from living beyond your means.

>retarded boomer #37 giving outdated financial advice AND is a grifter

>>64364193
>score: 769 (heh)
>mortgage: none, rentoid
>brokerage acct: I literally have 70 dollars and 500 bucks of credit to my name
Not gonna lie, this is easily the lowest point I've been financially. Though that's understandable with a forceful move and some emergency dental work. I'll bounce back though, I always do.

On a something related note, what's a solid investment for someone cutting their teeth on stocks? I was thinking energy or defense, specifically now seems like the time to buy stock in any public firearms company because (and not trying to get political, it's just the way it works) a dem is gonna win next term and that'll inevitably have gun and ammo prices shoot up

>>64364279
>769
That's much better than most people. You can always open a credit card and never use it (outside of emergencies), just having an open card will bump credit up over time. Pay off full balance every cycle, never go above 30% of your limit before you get your bill, etc.
>what's a solid investment for someone cutting their teeth on stocks?
Index/ETFs. Look up the top performing index/ETF funds and pick one you like that tracks the top performing companies in the US. It's the safest thing to invest in starting out and is the most consistent performer across the board for that ~10% annual interest gain. Boring, but reliable.
Individual stocks are more of a gamble, do significant research before dumping money in any of them, and certainly not small arms, defense industry maybe.

>>64363252
>you're giving it to the fucking boomers to speculate with and leech from in a goddamn coin-clipping operation called inflation
the boomers have nothing to do with it, the millennials are driving the show
and spending it only enriches the people at the top more, because the conditions are designed deliberately to entice you to spend

>>64364115
Index funds are assets. You sound like you have low financial literacy

>>64363124
>house has doubled in value
No it hasn't, the real inflation is just that high.
Also housing should never be allowed to be a for profit speculative market.
We need those to live in. We dont need them for retirement profit.

Actually, looking at your post and mine again, I'm not even sure you're self aware.

>>64364875
Imagine being so financially retarded that you don’t realize you’re only making my point for me. Taking out a sub 3% loan before real estate prices exploded was a very fortunate financial decision. Cope and seethe, rentoid.

>>64364890
>financially illiterate
Yeah no thanks, you proved my point about the whole awareness thing.

>>64364909
Lmao, I rest my case

>>64364918
You made no points whatsoever except to ignore the real price inflation we can all see in our monthly expenses, but that had NOTHING to do with the point I made.

Again, zero self awareness.

>>64364875
>house has doubled in value
>No it hasn't, the real inflation is just that high
it's the same thing
if you don't understand this you don't understand macroeconomics

>housing should never be allowed to be a for profit speculative market.
housing in other areas is cheap
housing in certain, desirable, (nigger free) areas is expensive
always has been, even during the post-WW2 mega boom

>We need those to live in. We dont need them for retirement profit
anytime you try to control the price other than the most minimal safety regulations, bad shit happens
in fact most of the problem today stems from government attempts to control prices through fiscal and monetary policy
placing a cap on anything, let alone the biggest single cost item in a person's life, is going to have horrible impacts systemwide when the people who think they can predict and control the market inevitably fuck up

in this case, you can't place floors on rural or nig-infested areas, people will simply move away; Norway and California learned that recently
and if you cap profits you cap growths, with echoing effects across industries, and then some other nation overtakes you; Europe has been learning this lesson for all of the 20th century

>bbbbut hurrdurrr blackrock
corporate ownership of single family homes in America is barely a significant percentage. look up the published numbers. it's right there for anyone to see. they picked a convenient bogeyman for their headlines to scapegoat and you fell for it, retard

>>64364930
I just don’t know how to break it down to this retard on a more basic level. It’s like teaching Aramaic to an ant.

>>64366614
To clarify, the retard being the guy who doesn’t understand housing prices not the one who got the loan

>>64359429
Nta I have about 10K in emergency money saved and I’m still in my 20s. Considering how unstable the US currency is, I might unironically do the boomer thing and put it all into silver so it stays stable. There’s a balance between not being a retarded finance boomer and also not being the average mutt who is in crippling debt and doesn’t have $5 to his name

>>64364875
The problem with housing is regulation. Places like Florida are having problems selling houses now because they outpaced demand.

>>64364956
Blackrock is mostly buying rental properties from small landlords (aka slumlords), and doing a better job.

>>64366835
As someone who used to manage property and clean houses, unironically ~70% of people do not deserve to even own a home at the middle class and below level.
It is ridiculous how many people don't clean their kitchens, bathrooms, have ruined carpets/floors, don't do any interior or exterior maintenance, etc.
And not even just the niggers, them you expect it with, but tons of white trash too.
>Bawww I'll never be able to own anything, thanks boomers!
You mean you'll never be able to destroy a home and run your neighbor's property values into the ground?
Good, suffer.

>>64366614
the number of economics, accounting and finance graduates in the USA per annual cohort is about 1%
and of these, I'm fairly certain that less than half actually understand the banking and finance system
(I was an accounting grad; I studied economics in my spare time, it was not in the syllabus, which emphasises book-keeping)
this means at most 1 out of 200 graduates have the faintest clue at all about this highly technical subject
yet you will find the Internet full of legions upon legions who can't do basic double entry, or calculate a mortgage plan with pen and paper, or explain graduated taxation brackets, and they think they are fit to form any opinion whatsoever about the macroeconomic financial system
can you imagine the sheer scale of hubris involved?
these are people who have never studied economics; never opened an economics textbook; can't describe the relationships between central banking, taxation, GDP, and the trade balance in the context of the economy; and they think they are fit to criticise what they can't describe

what do you do when the Flat Earthers of finance are the overwhelming majority, I really do wonder

God have mercy on such as we, for heaven knows we don't deserve it

>>64366871
That's what you get for taking the section 8 money poison pill. 90% of problems landlords have is their own damn fault.

>>64362438
The government niggers are already talking about raising the retirement age to 80 anyhow.

>>64366901
It's a pro-employee measure, retard

>>64366871
Actually, hang yourself if you care about property values. Slaughter all HOA fans, publicly execute them in the street

>>64366931
>t. wud dat beepin from way up ovah mah heid

>>64366933
>Section 8 slumlord crying that he has to deal with section 8 issues
Lol

>>64364193
>What are the financially /k/onscious anons working on lately?
credit karma says 796
6.75%
merrill edge accounts have just under 500k
Honestly just trying to pay down my mortgage (160k left) so I can look at the feasibility of retiring early. Might be a pipe dream.

>>64366931
I'd be offended if I couldn't tell immediately by your post that you're a nigger with no money who will never own a home anyway.
Cope, seethe, and don't forget to pay your rent on time.
lmao

>>64366931
Cletus big mad he has to act civilized and can't have a bunch of rusting shit in a front yard overrun with weeds.

>>64366901
What the government says is the retirement age is irrelevant, if you're retirement plan depends on social security you're plan is going to fail.

>>64359241
The day of the pillow cannot come soon enough, but I know they'll just sell to some fucking investment company run by chinks. Fucking boomers.

>>64366966
Remember when Bush wanted to reform SS into a system like Australia where the tax money is actually being withheld into real retirement accounts, so it works like boomer retards think it works (which is how FDR's lawyers said in court it absolutely does not) instead of how it actually works.

The saddest words of tongue or pen: Dubya Bush was right again.

>>64366989
>poor
>impotent revenge fantasies
>crying he doesn't benefit form nepotism
Sad. Pull yourself up by your bootstraps and do better.

>>64366956
>>64366954
Actual subhuman you’re defending HOA tyranny.

>>64364279
Target date fund. Requires literally zero brain-power whatsoever and has minimal risk. You can just park your money there while you learn of all the different ways to make more. You could also sign-up for Fidelity and do the same with one of their zero-expense funds. I'd also recommend looking into Value-investing. It's a bit of a meme, but it works if you know what you're doing.

>>64367007
>tyranny is when you can't be a slob in your front yard

>>64367024
yes. it's one of the 'classy when rich people do it, trashy when poor people do it' kinda affairs. sorta like not having a job and being a useless piece of shit all day.

>>64367004
Bitch please, I had preapproval for 350k, put an offer on a place at asking price but got sniped by a fucking rental company that's gonna turn it into a 3 apartment shithole with a shared basement. Shit's fucked, and the resulting demographic collapse and enshittification of elder care is absolutely deserved.

>>64367007
>nooo you have to let me in your community so I can be poor and break noise ordnance every weeknight and never do any landscaping and park in front of your driveway
>if you don't it's tyranny! you're literally killing me!
Enjoy staring through the gate, back to the ghetto you go leftist trash.

>>64367007
>Tyranny is when you keep the trash out.
HOAs are self-defense, nigger.

>>64367042
You only get those people if you take government money to house them.

>>64367037
>The stories and information posted here are artistic works of fiction and falsehood. Only a fool would take anything posted here as fact.
Cool story, Anon.

>>64367042
At least I don't get fined for painting my house or garage what color I want.
If someone can tell you what to do with your property, it isn't yours.
Enjoy that delusion of "ownership"

>>64367042
He's probably not even a leftist. Just the dime a dozen antisocial asshole hoarder you find in the sticks.

>>64367024
Says the nepobaby neet arguing on 4cuck all day

>>64367055
^this
>>64367057
I’m actually not I just hate people people like you far more than them

>>64367064
Good, stay far away from my HOA. That's what it's there for.

>>64367055
>If someone can tell you what to do with your property, it isn't yours.
Says the rentoid abiding by a lease contract with his deposit hanging in the balance, lmao.
>Enjoy that delusion of "ownership"
Fox, grapes, etc.

>>64367082
The HOAs expand like a virus. I genuinely think there should be laws pass to make them illegal. People should be allowed to do whatever they want with their private property.

>>64367024
>Save up and buy a house
>Some Karen in a sexless marriage to a fag gets to tell me what to do with my fucking house and my fucking yard, and I have to pay her to do so
KYS HOA cuck boy.

>>64367083
Renters aren't delusional about false ownership at least. HOA is your landlord.

I can't believe someone in here arguing in favor of the hoa. Must be trolling. Yes. that's it. It's trolling.

>>64367103
Nah. They just got so used to the boot on their neck, they forgot it was even there.
https://en.wikipedia.org/wiki/Stockholm_syndrome

>>64367096
>>64367097
>>64367099
>>64367103
>>64367109
The irony is that none of the people in this thread crying about HOAs can even afford a house in an HOA neighborhood to begin with.
>I would never live somewhere with an HOA!
>can't even afford a >$500k house to begin with
>but will cry about $200/mo HOA fee that he will never be subject to
Literally looking from the outside in.

>>64367128
Having debt in the hundreds of thousands doesn't mean you can afford a house.

>>64367128
>you can't afford an HOA
bro there are condos in my city that go for sub 100k with HOA attached to them. it ain't bougie shit. What's your next argument?

>>64367128
>200 dollar a month hoa fees
on what fucking planet
you're so full of shit dude

>>64367083
You cope so fucking hard assuming everyone in here is worse than dirt poor but you. You got nothing but words kid

>>64367096
Yeah, and what I choose for my private property is forming a HOA with my friends. Deal with it.

>>64367128
200 dollars? Try 600 on a 2400 a month mortgage

>>64367103
Welcome to nu-4chan. I don't think he's trolling

>>64367153
You dont run a HOA if it's an opt in club for your friends on the road.

>>64367153
>you can do whatever the fuck you want with your private property!
>wait not that I didn't mean that! no!!!
he's trolling. he probably learned what an HOA is today.

>>64367155
they're anywhere from 400-2500 here in my city, depending on how far you'd like to remove yourself from the genpop.
>>64367159
man fuck that, i hate it here already.

>>64367144
Florida maybe. I've heard HOAs are crazy there. Mine is $24/mo so git gud I guess.

>>64367163
That is literally what I personally do, nigger. Our whole development is under it.

HOAs are rent seeking behavior cope by wannabe landlords too lazy to deal with section 8s so they wanna boss middle class people around.

>>64367144
>>64367155
>>64367164
>The average fee for a single-family home is $300 per month ($3,600 annually).
>https://ipropertymanagement.com/research/hoa-statistics
>rentoids learning what an actual HOA fee looks like for the first time today
l-m-a-o
Like I said, it's not like it will even apply to you anyways since you're unlikely to be homeowners any time soon anyways.

>>64367177
If its optional it's not a HOA it's a club for you and your pals. The point of a HOA is noncompliance can get you evicted from your house, not be annoying.

>>64367183
>we noticed the shade of beige you painted your garage door doesn't meet standards, you have 30 days to remedy this at your expense
Sounds like euro communist bullshit

>>64367185
You dont own a home. You have debt. Stop coping.

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>the poorfag retard larping as an HOA big wig

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I bought 7 guns with three different credit cards

>>64367205
Cash for guns, whenever possible.

>>64367185
>the average is 300 so it can never be 2400! thank you google!
jesus christ the brain damage out there is real. I hope you don't drive a car.

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>>64367209

>>64367193
>Y-y-you don't actually own anything!
Whatever cope you have to come up with, Anon. As long as it makes you feel better.
>>64367228
>make exaggerated claims
>get corrected and put in your place
>ad hominem backtracking
You love to see it, lmao.

>>64367244
This is "I have 2 car payments, a mortgage and credit card debt" energy. No one cares if you go upside down in debt.

>>64367251
>make incorrect statements
>cry and argue after being proven wrong
>invent imaginary conditions to support your argument <<<YOU ARE HERE
>resort to all out insults and meme posting
lol

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>>64367244
what exaggerated claim?
now you need to convince me you're not just bored and full of shit.

>>64367271
You pretend you don't have a mortgage while pretending no one else has one, or knows how much houses are. All I know is I won't go to bed tonight worried about making my payments.

>>64367290
>You pretend you don't have a mortgage
Unironically I do not.
Full deed + market valuation binder from the title company when I finished my mortgage in 2023 and my investment accounts alone are enough to cover my property taxes and homeowners insurance every year.
You will never know this feeling.
>All I know is I won't go to bed tonight worried about making my payments.
He said while posting from his 1br/1ba kitchenette roach hole that he will not be getting his deposit back from.

>>64367325
>trying this desperately to elevate his status above others on a fucking anonymous internet board
you're bored and full of shit.
either you're telling the truth, and the truth is so unsatisfying that you have to come to 4chan to yell at kids about it or you're lying.
in either event it paints a picture of a sad sack of shit (You).

>>64367244
Not him, but you truly do have debt to your eyeballs "ownership" cope going on. Anon is right

>>64359289
Yes you see you just invest in these stocks that always return 12%, see, its that easy.
No, he won't name the stocks

Thanks OP I sold my AR's and got a bolt gun with a $3 per trigger pull

>>64367325
This is my dad works at Nintendo levels of cope.

>>64367325
The odds of you doing all that would put you at the nth percentile of high earning Americans. I repair those people's jewelry. They do not shitpost on /k/, let alone brag about their position like that. You are full of shit. You talk like a fag. You defend HOAs like a good little cuck. LARPing as a diet Jordan Belfort will not make you one. Kill yourself in the most excruciating and public way possible as soon as you get the chance.

>>64367417
Everything is about having or pretending to have "clout" as the nigs say now, doesn't matter how much you gotta lie or go into debt

>>64359550
Look at that, even the fucking millennials were obsessed with holding up their phones at concerts in Ancient Times™

>>64367349
>>64367330
>you're lying!
>well maybe it is true, but if it is you're just a bully!
Cope, seethe, dilate, etc.
>>64367343
>12%
Easy, dump it in any top index or etf and you're already doing ~10-12% average, just don't touch it for *at least* a decade.
>No, he won't name the stocks
VOO and SWPPX were both above at or 15% the last couple years. If you aren't buying now, you're falling behind tbqfh.
15-20%+ is entirely doable if you find a (well) managed mutual through a decent firm and are being charged point based instead of percentage and it doesn't eat you back down to 10-15% after fees.

>>64367439
some of the worst photography known to man occurred while I was drunk at concerts in the 2000s.
I don't know why any of us thought our pictures would be discernable

>>64367444
>caught dead to rights
>addresses nothing
mmmm

>>64367444
No one thinks you're a bully, is this part of your fantasy?

>>64367444
who said you were a bully? we been calling you a faggot and a retard and a liar. Because you are.

>>64367439
kys zoomzoom, go back to twitter or x or whatever the fuck it's called

>>64367444
jesus christ it's like watching Chris Chan try to explain finance.

My money is on this being a /biz/ cryptobro leasing a BMW

>>64367417
>I repair those people's jewelry.
"I met a rich guy once! You're not him!" levels of cope.
>Kill yourself in the most excruciating and public way possible as soon as you get the chance.
Nerve status: struck

>>64367503
Kekd. Weird how people bring board cultures with them.

>>64367513
misunderstanding finance and lying about what his net worth is all he has. Let him have it, I guess.

>>64367508
you're replying to everyone but me. Sounds like I got your number, you soft little gay bottom :)

>>64367508
Not him, but I used to fix garage doors, and rich people have garage doors. The ones with the most money didn't really talk about money itself, but might talk about a hobby that's spendy.
The ones who didn't have quite a much, were usually in their mid 30s to mid 40s and did nothing but talk about what they'd recently bought.

You fit in the latter category

>You guys are all renting roach motels! Not me! I'm not a loser! I'm rich and you can't tell me otherwise! I'm not a loser renting like you! I'm rich! I own a paid off house! I'm not a renting loser like you! I'm rich!
Hmmmmmm

>>64367547
thing is, even if that dude is a millionaire he's still such an enormous faggot that it precludes any and all envy a person might feel for his wealth.

>>64367539
>but I used to fix garage doors
The fact that this creative writing assignment did not end with you owning your own garage door business tells me everything I need to know about your drive and motivation, Anon.

>>64367562
>trying to repurpose the rhetoric used against him in this very thread
miserable performance, anon.

>>64367562
You've yet to extrapolate on your finances.

>>64367562
Yeah, turns out I didn't want to spend the rest of my life stuck in someone's baking hot garage trying to immaculately run wiring and wind torsion springs.

>>64367577
>not enough self-discipline to master one skill and leverage it to his advantage career-wise
>wander aimlessly from one slightly above minimum wage job to another
Couldn't be me, lol.

>>64367573
He won't because he can't. Unless you buy his course on how to create a course for $4999.99 a month with a non refundable fee of 6 months purchased and a purchase of my patented excel sheet.

>>64367590
You know every post you make is telling a story you tried to hide.

>>64367590
you're so fucking angry about being seen lmao
lol

the only thing that would make this whole thing funnier is if he posted himself leaning against a bmw or dodge shitbox of some kind

please anon, please it would be so fucking funny

>>64367614
I own a '19 328 paid off I bought for 10k I hope it's a '25 beamer on lease lmao.

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>>64367590
Goddamn, you are MAD boy lol

>>64367614
If it's a Porsche Cayenne, I will legit piss myself laughing.
>t. owns a 02 xterra shitbox.

>>64367658
bro i own a fuckin Spark i don't give a flying fuck about any of this. I'm just here watching a guy's pants catch fire

>>64367614
A Dodge charger he bought from a nig who stole it lol

>>64367444
>dump it in any top index or etf and you're already doing ~10-12% average, just don't touch it for *at least* a decade
Bollocks
>VOO and SWPPX were both above at or 15% the last couple years
You know as well as I do that these are not the long term figures which even your god Bogle would cite
>if
Big fucking if there, mate

>>64367670
No title Facebook Marketplace has been helping your local drug dealer move like a white Frank Lucas. At least until his black GF gets too fucking drunk and wraps it around a telephone pole, and now you gotta explain to the cop why there's a brick of weed, baggies, a scale, and a firearm in a stolen car. Let me tell you, it's a fun scene to watch.

and we wait for him to churn up some more gpt buzzwords....

>>64367702
I think he caught the whiff of actual money in the room and backed out.

>>64367680
Blindly following Bogle is better than 90% of the dumb shit people do.

>>64367718
what money? I just drive a fucking chevy pos and don't even have a solid M in my 401k! I'm POOR! He's getting his penis inspected by POOR PEOPLE

>>64367731
>He's getting his penis inspected by POOR PEOPLE
Rich people don't have to inspect penises, a big part of why people climb the ladder

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>>64367743
shut the fuck up, donny.

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Kek

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>>64367749

>>64367724
Personally, I do the Stossel 2000 method, and I'm unironically up 14.88%.

>>64367558
I disengaged a bit ago but the more I read his post the more I’m convinced it’s some sad larp, not even bait anymore.

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>>64367759
Here's my favorite Roman related

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>>64367765
>unironically up 14.88

>>64367765
Sure, but Bogleheading is better than most people's retarded sports betting approach to investment and saving.

>>64364649
>No says the gen x, it's the millennials who are to blame

>>64367796
'91 reporting in, I've not been here long enough to fuck up an economy.

>>64367831
actually, based on that statement, i got a vague question here since there's a good chance some people with knowledge might be around;
How do I, as a humble taxpaying middle class nobody, do my part to not fuck up the economy? Is it even my responsibility?

>>64364649
There's more homeboys over 70 than under 50. You fucked over Millennials so hard they can't even get scammed by your inflated prices because they can barely afford rent.

>>64367835
Stop paying taxes

>>64367848
Homebuyers*
I'm lobotomizing this autocorrect.

>>64367852
feds are stronger than me.

>>64367855
My shit autocorrects even when I spell correctly
>>64367835
The answer is we haven't done anything to tank the economy. What's been happening was a very long time coming. If we let the bubble burst, it'd hurt for a minute, but then the economy could recover organically; what we instead have is the federal government doing everything it can to devalue the dollar and stave off the crash that NEEDS to happen.

>>64367858
Funny how we're "free", yet we're coerced with threats to ourselves and our property to give them the money they demand.
Fucking social contract faggot bullshit

>>64367886
>/r/im14andthisisdeep

>>64367881
Here's the problem, even if we do let the crash happen, the only people who will be able to buy those assets will be rich fucks who will buy assets for pennies on the dollar, and repeat the cycle until there's nothing left for anyone to make a dime off of.

>>64367881
Auto correct is cancer waiting to make you look like a fool, it tries to trick me all the time, I'm tin foil enough to believe it's intentional

>>64367919
I guess the followup question is how to i prepare myself for the crash.

>>64367916
No, it's not deep, it's a basic as fuck principle, one we seem to hold as worthless.
>>64367922
>I'm tin foil enough to believe it's intentional
I'm actually with you. Iphone keyboards in particular train people to talk like niggers by getting them to write like niggers.
The nigger-fication of the western world.

>>64367927
Hate to sound like a boomer, but Silver, Gold, MREs/Nonperishables, and knowing what you're willing to sellout for. Have a good trade, or learn how to speak Mandarin.

>>64367949
An underrated trading commodity you can buy are a few cartons of cigarettes. Trade packs of smokes to people jonesing for nicotine at a nice exchange rate

>>64367958
Fuck! How could I forget that. Even better if you don't smoke.

>>64367958
Its shockingly simple to grow your own tobacco

>>64367973
So many things we can technically do, but don't, and are effectively helpless.
Cigarette smokers will fill that slot, it's not going to occur to them to settle in with agriculture to grow, harvest, and cure their own tobacco.
That's like telling someone who is starving to plant a garden, won't pay out as soon as it's needed

>>64367927
Look into immigration requirements in Australia.

>>64368129
>immigration requirements in Australia
>don't be white
Fuck

>>64367325
Post proof then. I don't think you can though.

>>64368229
we got all the proof we need from his posts, anon.

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>>64359550

>>64359550
Still not as funny as "Stop Being Poor"

>>64367835
spend 10% less than you earn*, save as much money as you can, buy products and services from companies which offer good value for money, buy as local as possible

>*bbbbbut this is impossibru!!1!
no it's not. somewhere around you there is someone earning 10% less than you. live like him.

>>64367796
the people born in the 80s are doing most of the work and making most of the decisions, dumbass

>>64367855
>t. can't even do a spellcheck reread of a 29-word post before hitting reply
>I'VE DONE ALL I CAN IT'S YOUR FAULT NOT ME
sic semper retardus

>>64367881
>My shit autocorrects even when I spell correctly
>>64367922
>it's intentional
it definitely is. I suspect AI-powered algorithm changes, because my keyboard settings helpfully informed me that I now have a different spellcheck provider and TOS. I've turned off autocorrect since a few months ago.

>>64370356
>people born in the 80s are doing most of the work and making most of the decisions
In management? You sure about that kimosabe?

>>64370356
Put the fries in the bag little crypto bro no one cares.

>>64371153
yes Tonto, I am
the oldest millennials are born in 1980. they're 45 years old. that's squarely in middle management range.
middle managers are like the captains and colonels of a corporation, a lot of things at the operational level are in their hands. department heads, section heads, and their deputies (who do much of the work), major branch managers and programme heads, senior salesmen - the 40s is their prime.
even the general, the CEO, is somewhat bound by the data he receives, and the quality and loyalty of his department heads. and even then the average American CEO is aged 59 years old.

>>64371164
certified and practising accountant, actually

>>64359241
I an $20k in debt and i will buy a $1000 revolver in a few weeks

>>64359289
Flip houses and cars.

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>>64371192
Kek I spent $3k on one card alone for guns

>>64371258
Based debt enjoyer

>>64367004
>crying he doesn't benefit form nepotism

Entire boomer generations was nepotism

>>64371272
My debt isn't so bad, I could get it down within six months

>>64371190
Okay bro Put the W-2 in the bag.

>>64359401
Dont forget the avocado toast!

>>64359898
Deal, I'll go first. Do it in my sleep so I don't know about it

>>64359728
Lawyer letters are usually just empty threats

>open a LLC
>open account in multiple banks
>debtmax
>escape to Thailand

>>64367724
for people knowledgeable in indexing, and cognisant of the advantages AND disadvantages thereof, I advise them to consider DCA and not to exceed the recommended withdrawal rate

for those who don't, I have known learned finance professionals who just keep cash deposits. for most people, despite the horrible bite of inflation, I feel this is safer. any kind of capital loss can be more distressing than the quantum justifies, let alone the risk.

one must remember that Bogleheading is not risk-free, just highly statistically probable. and if your timing is just shit out of luck, you can go for a decade or more watching your savings dwindle. many many people can't take that, emotionally.

>>64367781
>Bogleheading is better than most people's retarded sports betting approach to investment
true

>>64371190
Well now we come up to something else I've noticed, like auto correct, the perpetual pushing back of generational age ranges, in the 90's it was 85, now its 80. Same with zoomers, it used to be 2000, now they say 96, give them a few more years and it'll be 91. Its part of media controlled and perpetuated generational conflict. I prevents older generations from teaching the younger generation and the younger from caring for the older. Its a memetic way of destroying community and culture.

>>64371382
>the perpetual pushing back of generational age ranges, in the 90's it was 85, now its 80
not really perpetual, rather due to conflicting definitions. academia being academia, people will always nitpick this sort of thing. in general a +-5 years is not a big deal. in any case the concept of these "generations" is in social study which is MASSIVELY subjective

>it used to be 2000, now they say 96, give them a few more years and it'll be 91
IMHO I don't believe that will happen

>perpetuated generational conflict
ah nah, that sort of thing dates to fucking Ancient Greece

>prevents older generations from teaching the younger generation and the younger from caring for the older
indeed
I never believed in generational conflict. I appreciate my grandparents and my parents greatly and their contributions to family life. I think modern society has lost a lot of this however.

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>>64364193
>>/k/redit score: 796
>>mortgage rate: 3.25%
>>brokerage acct.: $300 (kek)
Sole breadwinner in a 4 person family. No debt besides the house. Decent emergency fund. We are comfortable and my starter home mortgage is cheap. Its nice that I can quit my professional job whenever I feel like it and be a trash man or something less stressful and boring if I get fed up. I can buy a new gun and ammo here and there so it's /k/ozy enough. My biggest goal is to own a house on land one day. I'd do it now but the costs and rates are retarded so im hodling. Thanks for reading my blog here is a cool picture

>all this poorfag cope ITT

Literally just get a job and invest your money for 20 years and you'll be rich. Also if you're married and your wife isn't a complete moneysink, you can speed up the process by a lot. You also don't have to live like a miser until you're 65. If you have an after-tax brokerage, you can also withdraw and use the money at any time.

I swear to God people think finance is a one way street.

What is the point of this thread?
>bragging >>64371192
>whining >>64371278
>reality >>64359401

>>64371488
The issue is that making 12% is easy but incomes are 50-60k a year and houses are 500k
>Just move!
Say people who dont understand jobs and housing price correlations. That 250k house comes with 12/hr jobs in the area
>Just invest!
Say people who don't understand economics.

The average person has to gamble on crypto to own a house before the age of 40 when 20 year olds were buying houses just 20 years ago.

>>64371495
What a fool I was spending a grand a year on guns, I should save that grand every year and in... 100 years I'll have a down payment!

>Just wait for home ownership until you're practically aged out of prime parenting age!
What a sick joke, bring back Sears Catalog homes. A 850 square foot starter home should be 85k

>>64371512
>The issue is that making 12% is easy but incomes are 50-60k a year and houses are 500k

Bootstraps nigga.

>>64371522
>save that grand every year
This is the 4evr poor mindset. 0.2% interest in a "savings" acct. Inflation takes that and more. Meanwhile AMD just posted 26% increase/share. And pretax deductions to IRA or HSA save 26% in tax MINIMUM.

>>64371536
Oh wow 26% a year, so only 25-50 years to get a down payment.
>>64371535
See>>64371533 The issue is the time it's going to take.

>>64371533
>A 850 square foot starter home should be 85k
Honestly, 3d printed homes, tiny homes and "Burning Man recycled tech" should be $5/sq ft.

>>64371540
Stay homeless rent slave, you will never winning.

>>64371545
I'm not buying your bags, sell to Blackrock for all I care.

>>64366614
why are you attempting to address the crowd instead of the person you're arguing against? because you're losing?

"this retard" bro you're talking directly to him, dont bring us in it

>>64371382
Woah it's almost like "generations" are a complete arbitrary way of categorizing people.

>>64371512
>The average person has to gamble on crypto to own a house before the age of 40 when 20 year olds were buying houses just 20 years ago.

Lol no, literally any actual trade will get you a house in your 20's if you want one

>this thread is still running hot
wow the tank must be nice and full of vitamin Retard for it to keep goin like this

>>64371779
You mean the one HVAC guy who has an uncle in the industry gets a house. You're delusional.

>>64371818
the weirdest part about going through your thirties was realizing just how many people had their lot handed to them by nepotism of some form. It explains why so many adults are so incredibly inept across the board and brimming with unwarranted confidence.

>>64371818
When contards talk about trades, they are imagining the owner of the company. Not his technicians grossing 50-60k.

>>64371818
nah bro everyone in the union totally clears triple digit hourly pay, everyone

reality: they're all working overtime to pay off creeping debts they won't beat

>housing this
>housing that
my boomer granddad's house was out in the sticks, in a literal one-street suburb with a sea of wild grass on his doorstep. (that grass is one of my earliest memories of the house.) it had three (3) major electronic appliances: the washer, the TV, and eventually a refrigerator (actually that came a few years later). the other electrical items were minor; lights, radio, etc. occasionally the local wildlife wandered in. the interior of the house measured about 1,200 square feet, the yard around it another 3-400 square feet. this was a new-built home in the 60s.
for owning this he was considered a prosperous man even amongst his peers at the time.

I think a lot of people today bitching and moaning about house prices and claiming that the "average" boomer could own a house don't quite understand that houses today and houses then are vastly different propositions, and this is necessarily reflected in the price.

>>64372076
and every one of them has a big trugg they bought 3 years ago that are beat to shit by now but they all still owe 80K on it so keep that overtime coming, babey.

>>64359241
Hehehe, Del-ton go *pew* *pew* *pew* *pew*
Also RIP Del-Ton

>>64372082
My house is 1200 sf built in the 90s. Typical shitty construction with vinyl siding. The only way working class people can afford to buy in my neighborhood right now is having multiple generations live under the same roof and share the financial burden

>>64372082
What I envy and hate boomers with is less houses and more that you didn't need a medieval guild or Indian caste style process to a job. I remember a crying talking head faggot after one of the shootings on a news channel wanting gun reform graduated from my university with a degree in english and got a job with the CIA right out of college. Nowadays you need to be within a few degrees of valedictorian to be getting the stops put out for you like they had it. Nowadays you have to lock yourself into a very precise trajectory with any hope of getting anywhere, can't move laterally the way they could.

It's like that greentext where the anon compares the process to starting a business digging and installing septic tanks. The details in his anecdote hypothetical might be bullshit but the principle is the same, the amount of red tape and bureaucratic fees and hoops to jump through is far more than they had (and the competition besides because for some reason outsourcing to Ranjeet is in our national interest?)

>>64372154
Delton and wolf steel cased ammo is the budget conscience boomers ultimate choice in defensive weaponry

>>64372184
it was much the same back then.
how else do you think I'M familiar with my GRANDdad's house?

>>64372189
there is something to what you say. in the corporate world we are growing concerned with the phenomenon of managers managing managers managing managers managing the actual line staff, picrel. it started off as a good thing - there are actual efficiencies and profits you can squeeze from such setups - but in tight economic conditions the juice is no longer worth the squeeze.

it's also true that there is a major issue with education standards and qualification inflation. TL;DR, as high school transcripts become of less use than toilet paper, and universities turn into woke degree mills, employers have no choice but to turn to higher qualifications to sift the intelligent and hardworking from the fine upstanding graduates of no-fail policy schools.
that being said, this is partly due to legitimate work intensification.
my boomer granddad for example secured a good job simply by being multi-lingual and personally charismatic; this made him management material. my mum however needed to be a typist and earn a diploma. me and my millennial mates? we have MBAs trying to get management jobs.
the modern job scope requires 21st century managers to deal with far more complex issues and be a lot more knowledgeable than my granddad.
(you can't whip the niggers into compliance anymore, bwana)

anyway.
the point is, houses AND their contents nowadays are generally of better quality and comfort. in exchange for enjoying this, we need to pay more, proportionately. we should adjust our expectations accordingly.
(my granddad also never holidayed in a foreign country more than 3 or 4 times, I think. and once again, he was considered a prosperous small businessman, not salaried staff. compare that against current holiday spending patterns.)

>>64371773
Exactly, and it's being used as a weapon against the common man to create societal division.

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>>64372273
>all that and I forgot the damn pic
here
and unfortunately, you know what's preventing companies from just getting rid of this excess baggage?
employee protection laws

>>64372294
Jose would have no clue what to do or when to do it without someone ordering him around

>>64372303
yes but that takes one fucking guy and you can pay him the same as Jose.

>>64372273
>the point is, houses AND their contents nowadays are generally of better quality and comfort. in exchange for enjoying this, we need to pay more, proportionately.
This is the bigger screen fallacy. Improving the quality of goods doesn't substitute for no availability of them.

It's an error caused by neglecting to integrate your basket of goods over time and it's a common negative side effect with technological advancement. For example: A used to walk to work. Cars are invented. Now he can walk or drive. He loses nothing and he potentially gains a lot.

Zoom forward a century. Now B cannot walk to work because everything is designed for cars. Not only has he lost an option he'll never have, he's starting off worse because he has to take assets he'd use for something more productive and spend them on the car he needs to start working at all.

>>64372318
Nobody wants a brain damage management job for the same pay as the guy holding a shovel

>>64372273
>houses AND their contents nowadays are generally of better quality
Strongly disagree.
I work for a contractor that is employed by large home developer building communities and almost every aspect of build quality is worse than it was 20 years ago.
Every single developer subcontracts to another contractor, who then subcontracts to their own list of home depot mexicans.
Foundation is off level, nobody cares and probably won't notice until a few years from now, just pour it.
Lumber quality is already bad and these contractors use the cheapest they can find, it's going to be behind drywall anyways.
Joints are completely uneven and off center, doesn't matter, just bracket it together and pull it tight.
Electrical is run improperly, plumbing is small diameter pex lines so getting hot water from the heater to the upstairs sink will take 5min. to warm up, etc.
About the only thing that we actually do nicely is drywall/paint/molding/counters/cabinetry/flooring because people won't notice just how bad build quality is for the first 5 years before the problems start showing up.
These are 700-1mil+ homes btw.

>>64372341
>1m for a cardboard and papier mache house built by mexicos finest
Kek pay up yuppies

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>>64372303
indeed! and he would goof off at every opportunity, work a side gig (often using company materials), siphon gas from the company vehicles, catcall every passing adolescent female, finish the job with some kind of lazy-ass smekalka that will last 1/10th the lifespan of the real deal and kill the maintenance staff, etc.
so there are legitimate reasons for middle management

but like I said. times are tough, and managers managing managers is a real problem we're looking at. for example, some C-level execs think that problems are solved by slapping another manager on top of the problem and then going out for cocktails and cocktail waitresses

>>64372322
>Now B cannot walk to work because everything is designed for cars. Not only has he lost an option he'll never have, he's starting off worse because he has to take assets he'd use for something more productive and spend them on the car he needs to start working at all
true, there is something to what you say

proportionately, it might take me twice the years to buy a similar house today and it would still be twice the travel time to the city centre
I'm just saying, the comparison is not quite apples and apples

>>64372341
the piping and wiring in my granddad's house is a crazy jumble laid along the Olympic principle (who got there first laid first and along the shortest route possible)
and we had a gas-fired heater, and yes it took time to warm up.
however once again, I think what you say is partly true
>almost every aspect of build quality is worse than it was 20 years ago
this is the qualitative aspect of a recession that economists rarely talk about or aren't even conscious of. in addition to financial markets falling and stagnating, build standards is a form of stealth inflation. put simply: if a house of index 100 quality used to cost $100 but now costs double, builders reduce quality by 25 and raise prices to $150. it still costs double but the sticker price doesn't reflect it.

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I just want 10+ acres of land with some woods and an expandable house.
And a cute tomboy wife

>>64372273
Your average 1920s triple decker is like a fucking mansion versus your average slop newbuild. You don't get actual wood floors and bannisters/colums in modern gray on beige homes. Absolutely you can build good new housing but McMansions are the primary output and they all fucking suck.

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>>64372485
>Absolutely you can build good new housing but
After working in this industry, I'm faily convinced that you can't get a quality wood framed house in the U.S. or most countries, even if you find a competent contractor (rare) the materials literally don't exist anymore.
Quality lumber is basically extinct.
The quality of materials and the quality of workers today is unironically worse than it was 100 years ago.

>>64372513
Yeah wood you may have to salvage from a condemned old house but you can still make decent masonry based homes in the US that in terms of durability and efficiency blow the fuck out of anything else outside of stuff in Europe.

>make $120k/y at shitty job
>they try to promote me and I laugh in their face because x3 the responsibility at no additional pay
>get moved to team lead who is a cock workaholic
>realize they are trying to get me to quit
>max out 401k contribution per paycheck and do less than bare minimum at work
>after a year of being an underachiever I am fired
>They give me 10k severance, pay me out all my stocked PTO and OT hours (another 9k)
>Go home and sign up for unemployment, realize I get 16k if I don't accept severance
>Get email that I have to roll over my 401k
>tell 401k company I have been terminated before my 401k has "matured" (can no longer withdraw it all until you're fucking 62 1/2)
>dump the entire thing in my bank account
>it's a Roth so I only had to pay taxes on the profit
>tl;dr I got fired an handed almost 80k
>suck unemployment while half ass looking for another job
>accidentally get one only 2 months in
>vacationends.png

Now I work remote and have around 50k left after fixing one of my cars while having the longest vacation of my life. Dave Ramsey is a nepo baby boomer faggot who literally got bailed out by his silent generation multi-millionaire parents and only can give the most boomer tier advice. Yeah excessive debt (30%+ of your potential/actual income) unless it's a house or student loans is stupid. But do you know what's dumber? Saving all of your disposable income until you're 65.

Have fun, get laid, start a family, and disregard jews. They trap people in vices and crime. Stay clean and the jews will clammer to touch your money.

>>64372485
>1920s
I wouldn't know about that one
I tell you what though, I do know that I will think long and hard about buying over my granddad's house or one of his neighbours', even if I can afford it. 60s construction does in fact leave much to be desired. It's a matter of tradeoffs and the distinction is not quite as clear-cut as it might seem.

>>64372513
>quality wood
Sheer supply and demand of the growing human race vs fertile land and forest availability dictates that wood of that quality is going to be ever dearer, that's just the way it is.
All I wish for now really is an artificial substitute of reasonable price and quality. Technology giveth and technology taketh away.

>>64371533
>A 850 square foot starter home should be 85k
They are, just they're for boomers in those +55 communities. Funny the generation who their whole lives to save are dependent on subs and ss. This whole situation is ass backwards when the younger generations are being screwed over just for boomers to live another 5 years like kings. You'll think society would promote the youngest generation because they're the future, but nope. Gotta let the boomers have it all.

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>>64372318
>yes but that takes one fucking guy and you can pay him the same as Jose.


The fact that you unironically believe this shows exactly why you'll always be the guy with the shovel.

>>64372872
i'm the guy shitposting on /k/ but pop off, king. get your (You)s

>>64359550
wtf I thought stop being poor is the original

>>64362438
Most millenials and zoomers won't live past the age of 50. I'm already 33 and feel my body decaying from NEETing and not eating as much as I should.

>>64371342
Underrated

>>64359898
Sign me up

>>64372403
Too much to ask for. How about a 1 bedroom apartment and a fat brown ex wife (female)

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>>64373903
>female
"female"

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>>64359241
mfw

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>>64359241
That doesn't even make sense, ARs are some of the cheapest rifles and shoot basically the cheapest centerfire round that's 9mm

Who the fuck is this boomer and why should I care? seriously anyone got the sauce?

>>64359289
It's simple. Borrow money from your rich parents and start a successful business. If you take too many risks and go bankrupt, don't worry! Your parents will bail you out and help you start again, AND you can use that experience of failure as the cornerstone of a media career in which you will yell at people to not be as foolish as young you, and to pick themselves up by the bootstraps like you did.

It worked for Dave, and it will work for you!

>>64359314
I see this back-and-forth on the Internet often and I can't wrap my head around it. Maybe it's because I'm not American. One side says: save the money, don't have fun. The other says: spend the money, have fun. Why are we equating spending money with having fun in the first place? How is consumerism the sole inviolable constant in this conflict of worldviews?

Sure, some things cost some money, but most hobbies and simple pleasures are not that expensive. Indeed, many hobbies can be "cheaper" in financial terms. E.g., if you enjoy cooking and do it a lot, you will likely spend less buying ingredients than you'd spend ordering food and eating out. If you're into woodworking you might make your own furniture instead of buying, etc.

>>64374563
>If you're into woodworking you might make your own furniture
>$70k in tools later

>>64374577
could use hand tools
my uncle is a millionaire and he spends his evenings carving religious figures with hand chisels

>>64374563
>I can't wrap my head around it
Easily answered
About 5/6ths of the people I've talked to on the Internet are useless NEETs or shelf-stackers talking about middle management problems and pretending they know the answer to all that, when they can't even solve their own NEET or shelf-stacking lives.
Maybe 1/6th are people who actually appear to be functional middle class professional human beings.
The most successful people I know don't post on the Internet, AT ALL.

I myself am here because I'm sort of halfway. And there are exceptions. (My brother is one of them. Relatively successful, shitposts on rddit.)

>consumerism
Don't do any of that shit and you will save a lot of money. If you don't have any expensive hobbies or interests and don't booze, smoke, rip bongs, inject, snort, or fuck anything other than your wife, you're 90% of the way there.

>cooking
Yeah, that's me. I cook about 19 meals a week and eat out twice. I save a bomb, develop skills, and have a lot of fun.

>>64374551
This sort of happens. I know this because I dated a multi-millionaire's neice. (My brother dated his daughter.) We met the heirs of the empire and saw a lot of crazy shit. There were a lot of useless people who just got handed, like, a bakery in San Fran and told to fuck off sort of thing. There were also a lot of extremely smart cookies, topped the rolls in Ivy and Oxbridge, interned at half the Mag 7 and then come home to manage Daddy’s business sort of thing. Extremely, extremely switched-on young people.

Yeah sure the useless trash got some freebies out of it. But the heirs were solid folks who deserved it. I could never do what they were doing. So... two sides to the coin.

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>>64359241
But I only shoot my 10/22 doe
>DOOD JUST GRIND BRO SO U CAN CONSOOM MOAR!
I don't care about larpslop all I need is another box of 22

>>64375176
>t.dead in the streets broke bitch

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>>64375181
>22
>Broke bitch
>Boogtard doesn't know how expensive 22 guns get

>>64375145
Firearms as a hobby outside of shooting slowfire 22lr is more expensive than most soft drugs. You gotta get a coke habit to blow 80 bucks in 10 minutes.

>>64375181
But if your in the streets you should be carrying a 9mm CCW, tell me one (1) time where open carrying a $5000 AR build is a good idea

>>64375252
>$5000 AR build
ARs are way fucking cheaper than that you disingenuous gun grabbing fuck, kys poorfag

>>64375255
>$5000
>Expensive
>He doesn't have a KAC SR15
>He doesn't have an ACOG stack
>He doesn't have an actual LAM
>He doesn't have a clip on thermal
>He doesn't have a flow through can
u gon be dead in da streetz famalam

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>>64375181
But what about a tacticool rooger 22 pistol, perfect for the special ed forces larp ARfags like to do

>>64368129
>Australia
lol, lmao. Yeah the most cucked nation on earth

>>64375262
Actually the meta has changed. Suppressed 22lr is a meme. Just extra weight that a high speed oper8r doesn't need to carry. Not enough stopping power until you hit 9mm. Then stopping power doesn't exist. What are you, new?

>>64368129
Most of us aren't Chinese

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>>64375314
Not with that attitude!

>>64359460
Most people with student debt are just leaving the country or killing themselves. Blue collar guys are just as financially fucked for other reason like putting their business in their name and going bankrupt

>>64375631
>Most
Ridiculously exaggerated

>>64363124
>loan below 3%
must be nice living life in ez mode lol

>>64364193
>/k/redit score: 795
>mortgage rate: 6.0%
>brokerage acct.: raided for house downpayment
>debt: 30k from useless degree (I fell for the college meme)
My wife and I now have a house so that's cool. DINKing it rn but hoping to have kids in the next few years. Working retail management full time. Wife has govt job so we get insurance and pension from her job. Been teaching myself the piano technician trade, planning to do that as a side business once I get the guild cert, eventual plan is to transition to it full time once I get enough business. Gonna throw all earnings from it into a mutual fund until I make the switch. I've realized I don't like working for other people.