>>28732541
They add it to their ever growing list of monthly payments. A thousand subscription services, cellphone contract, rent, leasing new cars until you die, financed burritos, the whole shebang

Own nothing, pay forever.

they have great credit for good leases/finance rates. like $0 down $199/mo leases

>>28732550
or they own a home

0% apr baby

>>28732560
doesn't exist anymore unless you're buying ev

>>28732541
They don't, Mr. Goldwitz finances it to them

>>28732580
Depends on how desperate your dealer is to get rid of cars.

I'm strongly considering leasing a new car for 4 years because the payment is only slightly higher than my student loan payment that I don't have anymore and the unscheduled maintenance costs should be $0. In another 4 years there should be abundant cheap American-made electric transport.

>>28732541
there are WAY more "rich" people than you think.

random multi-millionaires everywhere here in Califucklia. every single plot of land they develop near me (not even a major city, i'm in the mountains) gets instantly sold out, then filled with multi-million dollar mansions with views.

these people pull up in Kias, Ford trucks, there are endless "wealthy" people--way more than you might think.

the whole number system has rescaled. "Millionaire" = "poor loser barely surviving in America" now. $3M+ is the minimum to feel wealthy, and there are already lots of these ppl. any number you're used to, basically double-to-triple it, because that's real world prices now. Shitbox Corollas are now $40K after tax and tip

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>>28732767
California is clown world with no relation to real people or places. Please refrain from commenting on anything related to economics, politics, or society in general in the future.

>>28732541
>rent
Live with your parents until you can afford a deposit on a home.
Don't waste money on food and dumb shit.
Rent money is dead money.

>>28732790
1. Based
2. Car prices are largely the same across the country; it's rent and taxes that primarily affect COL. As such, people who don't live in urban shitholes with extensive public transportation need to buy a car but also usually have more disposable income to buy said car

>>28732767
Measuring wealth by paper net worth is kind of a retarded thing to do when your entire scale is propped up by a housing bubble. Especially since California's economy is based on software so companies can just leave the state by selling and buying a single office building. A lot of upper middle class assholes are gonna get bit real hard by this and it's not decades away it's years. In most of the US, millionaire is still a pretty low-stress place to be.
>>28732800
I would rather pay $2000 to my landlord than the $800 my parents were charging me. I don't care that that's objectively worse for me. Frans de Waal grape experiment yada yada. I think we should be allowed to kill people.

>>28732830
>$800 my parents were charging me
Every time I learn something new about America I thank Allah I am not American.

>>28732649
That only happens on the garbage tier models no one wants. Unless you're willing to lie and tell us your favorite car in the whole world is some extreme cuckoldry toyota Venza tier car.

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>>28732837
I got my MY24 WRX on a 6 year 0% APR loan last April. I wanted to pick up an 86/BRZ since I already have an 02 WRX but they only had that offer on a WRX.

>>28732834
>foreigner learns one factoid about one person in America
>OH WOW THEYRE ALL LIKE THAT

My mom doesn’t charge me rent you inbred, goat raping retard.

>>28732830
I personally don't think people should count their primary residence as part of their net worth, or at least heavily discount the value of illiquid items when factoring them in. It gives you a much better idea of what you can afford to throw around without sacrificing your current lifestyle.
>>28732834
Shitty bait, but if you're still living with your parents then the chances that they'll invest the money on better things than you would are incredibly high. Most parents who do this also give it back to their kids as a down payment for their own house when they're ready

>>28732874
>24 WRX
You're really not proving me wrong here bud. That's an extreme culkoldry vehicle.

>>28732541
A bunch of people are in relationships in expensive areas just because its more convenient to split rent that way.
>t. Works with bunch of people that either hate or are almost completely indifferent to their S/O

>>28732541
how is this cunt not dead

>>28732939
He got a loli to drain the life force out of

>>28732790
California prices are more comparable with the rest of the west than flyoverville.

>>28732921
FA24DIT is actually pretty good and I can tune it myself with the tactrix cable I already owned using free software. Not giving the COBB jew a single cent

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>>28732541
Cause im not paying rent?

>>28732541
They dont, but dealerships will give it to you anyways its not their money, its not even the banks money lol

Banks make loans from the FED, they incorporate an administrative rate onto effective, once that loan is out the door they dont really give a shit

>>28733001
Why'd you get such ugly slow n gay cars with the money you aren't spending on rent?

>>28732541
Financing

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>>28732790
Based AF.
Let’s add to the list of things Cuckifornians never see…

>>28733016
>ebonics
My house is paid off THOUGHbesoeverit

>>28732541
you steal one, nigger

>>28732541
they don't, they finance them

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>>28732541
they finance it for like 8 years which lowers the monthly payment to an affordable amount with the tradeoff of paying a shitton in interest over the life of the loan. most people don't care about that though, they only see the monthly bill.

alternatively, not everyone is poor. some people make decent money, and some people make a lot. my buddy is a realtor who cleared $200k last year, he has like 3 cars and 3 houses last I heard. it's really a coin flip when you see someone driving a nice car, they could either be extremely poor and made a retarded purchase or they're well-off and decided to treat themselves.

myself, I'm somewhere in the middle. I drive a 20-year-old sedan and just bought a 3 bedroom house. one room is rented currently and the other one is about to be rented out as well. it's not ideal but it leaves me plenty of money leftover at the end of the month to put into my brokerage and save up for a lump sum payment towards my principal, because once my PMI is gone my monthly payment will be even lower, increasing the margin on my rent.
I'm just trying to make it.

>>28732558
Kek I live in a shitty apartment and there's hoes buying new Mazda CX-50s and they have an infant child, like girl save your goddamn money holy shit

>>28733166
>like girl save your goddamn money
I genuinely don't understand people who operate in life without even a little bit of risk analysis, people just aren't capable of thinking even 3 months in the future. I had a friend who bought tickets to some concert and then was asking me for money the next month because he was short on his power bill.
like, high risk tolerance in a common trait in wealthy people, but I don't know if it's the same thing as poor people blowing their money as soon as they get it then going back to being broke.

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>>28732541
They don't; the average age of new car buyers in the good ol' U.S. of A. is 53
https://www.federalreserve.gov/econresdata/notes/feds-notes/2016/the-young-and-the-carless-the-demographics-of-new-vehicle-purchases-20160624.html

>>28733169
>people just aren't capable of thinking even 3 months in the future.
Ironically, this is what credit cards are for, it's still irresponsible as fuck, but putting the concert tickets on the card and paying in most of it the next billing cycle so that you can have enough money for to make rent would be a better course of action.

>>28733169
It's pretty absurd how people live, I'm not even the smartest man alive but at least I don't lose my fucking car should anything happen to my job, so many people if they lose their job would literally end up on the street should they lose both the apartment and car and I don't know how they do it

>>28732541
The reality is that most people can't. You need to earn in the top 15-20% of all HOUSEHOLD incomes to buy things like Supras and Civic Type Rs "reasonably".

1. Many Americans still inherit
2. Some have the top 20% incomes.
3. Some live on credit and it inevitably crashes for them
4. There ARE still successful business owners, lawyers, surgeons, real FAGMANs, etc. You see the most of them and assume it's a lot of people.

>>28732767
This is also true, while everyone is poor 10% of the population is still tens of millions.

Basically the reality is that if you can't pay for it, don't get it unless you need it for work. Of course, that's going to lead to a revolution with the current expectations of lifestyle.

> $200,000 a year
> 3 houses
$200,000 a year is pay for one house and maybe retire some day money. People have a completely skewed perception of money. $200,000 is like $100-120k take home. At that rate you are getting the standard 30 year mortgage if you also want to afford, you know, life, and not put 90% toward the mortgage.

>>28733235
I mean I certainly use my cards for some float on my bills whenever I need it but I wouldn't buy something that I wouldn't expect to fully pay off the next billing cycle.

>>28732541
The people who can't afford cars are working in an Amazon warehouse or through their phone driving around the city.
The rest of us are working professional salaried jobs.

>>28733166
Americans have been living in a consumerist society since the 90s.
It went from bad to worse after social media started brainrotting the npcs of society and they can't stop spending money and the idea of saving and investing isn't even an after thought.

>>28733001
>yfw you live somewhere that charges you for having a finished garage

>>28733169
a shocking number of people are appallingly awful with their money. i will never forget that tiktok of a bunch of nurses showing off how little they had in their checking accounts right before payday. one of them was in the negative. i know nurses aren't exactly a high bar but still...

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The point of dead end jobs is to motivate you to seek better opportunities. But if you keep numbing the cognitive dissonance with drugs, alcohol, and/or doomscrolling then soon you'll be 35 with a job meant for a 25 year old or a disgusting pajeet

>>28733288
I think a big part of that is lifestyle creep, nurses think they make a lot of money and that's the common perception, so they let themselves get more frivolous with their purchases
I always have to remind myself that these are normies, the type of person who thinks $30/hr is a lot

>>28733292
Kek women for some reason think they have more money than god, my sister's not that wasteful but she thinks she's doing better than she is at $29 an hour, but it's like bro you owe over $50,000 on a stem bachelors and you don't work in stem, also the buying power is shot, we're all cooked.

>>28733292
i make about 35 aud an hour and honestly i just want a comfy job that i can do the same thing day in day out until retirement, because it's just a means to an end and that end is money which i do all the dumb and fun shit with outside of work. that being said though, the dividends i get from my investments definitely help with that.

>>28733289
but the better opportunities lie elsewhere and the dead end jobs don't pay enough to pursue them.
well, you can scrimp and save money, or work a dangerous job, but only if you trade your health for it. good nutritious food isn't cheap. presentable clothes aren't cheap. ppe or tools for that decent blue collar job aren't cheap.
or, you might say, you can work from home doing tech support like an indian. well that requires a modicum of technical skill and an internet connection and uncommon patience.
the other problem is that basically everything is a dead-end job. there is zero upward mobility. i know people who've worked at wal-mart for 35+ years as cashiers who are only there doing that still because they've been there so long they make just barely enough to afford a normal life. every single dead-end job company wants you to spend your entire life there before you can even think about earning a living wage.
the tools we need to participate in modern society at all are expensive assets. you personally might be able to do without a computer, phone or a car or other mode of transport but realistically you cannot anymore. that shit costs money. there is not enough money being earned by people and making them work more hours isn't feasible.

>>28733166
>ebonics

>>28733327
All the more tragic she has to raise her infant daughter around niggers like me with shitboxes, all so she can get a fancy new car, when she could put that money towards better housing, or pocket it so the kid can have a better life via college, or having some form of trust when they come of age.

>>28733320
You're just full of excuses. Just admit youre weak and the pull of jerking off and doing shit all is stronger than your desire to be better

>>28733320
>Wahhhhh getting a better job is too hard and requires too many sacrifices
Holy shit nigger, your self-pity is disgusting.

>>28733320
This is the result of modern day coddling parenting.

>>28732541
20 years ago you'd be an idiot to get a 48 month loan. Today people routinely accept 72-96 month loans. That's basically mortgaging a car. Banks also no longer deny loans to people who won't pay the money back.

It hurts everyone too, because it causes car prices to rise when the money is easy to borrow. People max out what they're approved for. Hell, I'm literally looking for minivans to buy cash and they're expensive too. 100k miles and $36k? No thanks.

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>>28733320
>the dead end jobs don't pay enough to pursue them
Anon, when I wanted to double my income, I dumped my apartment into the dumpster, fit what I could in my shitbox, turned in my keys, and drove off without looking back. I knew what I wanted and I did what I had to do I could get it.

I didn't carry much. Cost me $600 to travel 1400 miles and leave my former life behind. I have reconstituted my life since then. I still struggle to justify buying furniture though, I've proven I can live without it.

>>28732767
Dude, you are fucking retarded, just like every Californian. I can't wait to get the fuck out of here next year.

You guys are a prime example of everything wrong with this country.

>>28732541
Payment plans, they're only paying a few hundred a month forever because modern cars shit the bed once the loan period is up.

>>28733425
I was poking around on dealer websites a few weeks ago and found a Bentley & Aston Martin dealer that advertised payments for 180 month finance terms. A 15 year mortgage on an unreliable car. I hope their buyers are all stupid rich paying outright or leasing, but I'm sure if they're advertising it, I'm sure someone does it.

>>28732541
they prioritize cars over rent. i live in a middle class apartment where rent is like $1800/mo. in the last few months i've seen neighbors who own: porsche 718, c8 corvette, bmw x7 m60i, bmw 740i, ford raptor, as well as some more 'reasonable' vehicles like an integra s, titan pro-x, tundra top end trim, etc.

they're going to be renting until the day they die.

>>28732767
>there are WAY more "rich" people than you think.
this is a complete meme btw. most people are in crushing amounts of debt.

$1M net worth excluding plywood box equity is nearly 90th percentile. https://dqydj.com/net-worth-percentile-calculator/
$150k individual income is nearly 90th percentile income. https://dqydj.com/income-percentile-calculator/

>>28733583
>excluding plywood box equity
That's another source of money people are using to buy shit they can't afford, people know they have hella equity in their house and they borrow off that, boom suddenly have money now, fuck having this equity for our children, I'm in my 50s-60s and I want money now", we're pretty much living in the 2000s right now where people had paid off homes of close to paid off with a bunch of equity and said, ehh I just wanna make mortgage payments forever, lemme tap in"

Is it just me, or I feel like dealerships hate getting paid fully cash?

>>28733803
Dealerships are primarily in the business of selling loans, they have incentive structures specifically for getting everyone on some sort of financing package.

>>28733803
Unless you're paying their price in cash, they're more than likely not gonna let you buy the car, They get incentives and money back from the banks for selling you on a loan for 6.79%.

So either pay the fuck up, don't negotiate, don't even go to the dealer, just buy it online sight unseen and pick it up from the lot, or don't even bother paying cash.

>>28733858
>>28733831
Probably the reason why they hate me. i'm a cash buyer, and i always try to knock it down in the price. I've also negotiated better prices by doing down payment + finance, only to pay off the full amount after 2 payments to get my better price lol, i had a dealer demand i pay extra as a penalty for paying off early, I just ignored them. If they tried towing my car, it would of been a easy lawsuit.

>>28733001
your Mustang has slim bike tires and no exhaust, buddy.

>>28732837
My mom bought a '23 GT with PP for 0%, but it was during covid or immediately after or whatever. We missed out bros.

>>28734008
Based mommer, using that PP of hers to get into a Coyote Mustang

>>28734023
six speed, brembos, it's a beautiful machine.
I myself drive a 150k mile shitbox it is what it is.

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>>28733001
silence jeet.

>>28734023
>>28734008
I used my PP to get into your mom

>>28733583
>$150k individual income is nearly 90th percentile

w0tt m8, that's minimum survivable salary in Californistan.

"150k" = 80k take-home after taxes and 401gay
~$6600/mo

Rent: $2000-$3000/mo (Californistan, remember?)
Car note: $1000-1500
Gasolina: $500
Insurance: $300
Misc white "people" subscriptions (Netflix, Cumcast, Starbucks, OnlyFans, etc.): $300
Eating out: $1000
Groceries: $500

And you're basically tapped out before you can even buy clothes or collectible bobbleheads and other stupid shit

You need minimum $300K/yr in California to live alone comfortably without impending doom financial stress

>>28732830
>Frans de Waal grape experiment yada yada. I think we should be allowed to kill people.
What the hell do you mean? And what's the link with you not wanting to live with your parents? It's like you expect us to read your mind or something.

>>28734314
>Car note: $1000-1500
How? Why?

>>28733327
the english you grew up speaking is dead and buried old man, no cap ong fr fr
also, bongs lost their right to police the english language around a century ago

>>28733579
>A 15 year mortgage on an unreliable car.
The influencer special. These jokers do weird rental, lease, and financing to appear rich. They look exactly what you imagine them to be. I don't know how they don't reflexively punch themselves in the face every day.

>>28734339
Apple CarPlay carries $20k premium.

I was paying $1800+ rent for a 1 bedroom apartment and said fuck it, threw out all my shit furniture and condensed my belongings and bought a hybrid maverick, then I moved into a 5th wheel in someone's backyard for $1k/mo. At least this way the money is going into something I'll own, and it saves lots of gas. In the worst case, I can sleep in it and get around cheaply.

>>28732580
I got a 2022 super duty on 0% APR

It's called debt

>>28732541
Rent is 1/4 of my wages

>>28732550
May we see these $0 down $199/month leases?

>>28734815
>a maverick towing a 5th wheel
bait used to be believable

>>28734815
>buying a $30k truck and a $10k+ trailer so you can save $800/month on rent
your break even point is a little over 4 years?

>>28732541
Rent?

>>28735060
I haven't used the Maverick to tow shit, there was already a 5th wheel there that isn't mine. The maverick just happens to be my dd I decided to purchase. It has no hopes of moving it.

>>28732541
rent, lease, easy loans
similar to 2008 housing bubble

>>28733292
30 aint bad with the right financing
if you worked a shithole job for 16$ an hr for 12hrs doing intense manual labor to feed a family
thankfully i dont do that anymore i make double, triple or even 7 times that amount

>>28733001
I think your mustang needs to go on a diet, bro.

>beater is so fucked I can't be seen with it on dates
>buy a new/used car
>Get laid finally at age 31
>$500 a month payment for 3yrs at 9%
Lads I made a mistake.
The pussy wasn't worth it.
This shit sucks.

>>28736559
If you were that concerned about getting laid you could have used the money you saved by driving a shitbox to hire a whore. Or score with trashy redneck girls.

>>28736561
trashy redneck girls want a 6'2" cowboy with blue eyes

>>28735042
You may, if you have an excellent credit score.

>>28736561
>>28736621
I'm 6ft 6' with Blue/Green eyes and hookers creap me the fuck out.
Anyways, women in the 30yr+ range will absolutely reject you if your life isn't in order.
A shit car and no house is a good way to get rejected after 1 date.

>>28736660
maybe you wouldn't have such a female-repelling aura if you learned how to speak english

>>28736663
shit Bait Mate.

Anyways, I learned from my last GF that some women like getting cum'd on.
I was surprised because I thought that was only in porn.

>>28736676
the pull out method is the first and best contraceptive for a reason

>>28736632
Post a single link to one

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>>28732550
What do you gain by lying, you fuckin jew?
>https://cars.usnews.com/cars-trucks/advice/lease-deals-under-200?onepage
There is not a single vehicle anywhere in the country available for zero down and under $200 per month.

>>28732541
the class of people buying new or even near-new cars found on stealership lots has been slowly changing for the past 40 years
unless you are in, say, the 75th percentile for income in your area, you are probably not looking at anything but facebook marketplace

You pay rent with your money and cars with the banks money.

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>>28736632
i have an 820 FICO and i make $150k and i cant find any $200/mo leases. you're lying.

>>28737314
kek. this nigga been holding onto this for a month, at least clap for him.
But yeah he's right there's $200/mo leases and there's 0-down leases but I'm not seeing any 200/mo with 0-down.

>>28737284
goddamn imagine dealing with the absolute bio-waste "people" on Facebukkake Marketplace or Creepslist

i'd rather over-pay 30 grand to Shekelburg just to avoid interacting with such "life" forms

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>>28737367
When I bought my 2nd E39 off craigalist, the guy had me call him to make sure I wasn't a hoodlum or a foreigner I'm pretty sure. He specifically said that he "could tell that [he has] nothing to worry about" and I checked the car out at his house

>>28736632
ironically I was turned down from the lowest apr because my loan wasn't high enough, even though I have great credit and a nearly paid off house. leases can burn in hell, unless you actually like rotating through cars you never want to own.

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>>28736913
>>28735042
ok, these are 1k down, but for under 200 a month

>>28736660
>women in the 30yr+ range will absolutely reject you if your life isn't in order.
Silly that you think I will allow a woman in my life whose life isn't in order either.
Most 30+ roasties are either in debt, aggressive corporate cunts, losers working as baristas on Starbucks, feminazis, or single moms.
All of them incapable of one single thing: provide an incentive to counterbalance the negative stuff they bring. In their mind nothing is wrong with them
I'd rather remain single and eventually retire by living frugally instead of dealing with 30+ whores and working for the rest of my life living on social security in Florida.

>>28732550
>>28736632
They don't exist, they're the car salesman equivalent of all those impossible job postings that require 17 years of experience with a computer language that has only exited for 8 years, all so they can hire a pajeet.

Same deal here, they post these deals legitimately, but they're impossible to get, they're meant to get you in the door and get you hooked on the consolation prize, 2K down for the same $200 lease.

>>28737425
>>28732550
>they have great credit for good leases/finance rates. like $0 down $199/mo leases
Just so we're all clear.
This off-the-cuff statement has now been objectively determined to be bullshit.

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>>28737450
>working as baristas on Starbucks
So? Your wife doesn't need a cool job, son. She should be at home raising your kids
>provide an incentive to counterbalance the negative stuff they bring
A pretty face is usually the best incentive

>>28737459
You're suggesting he settle for a generic mediocre blonde woman just because she doubles as an incubator?

>>28737459
>Your wife doesn't need a cool job, son.
I think you're missing the point here, the reason why these women end up in the loser category is not because she works at Starbucks, it's because if you're in your 30s working as a Starbucks barista implies one thing and one thing only: She's boring. She's a basic white bitch who's only gonna speak about basic white bitch things. She's gonna get led by the nose ring into doing dumb shit because she's got no opinion of her own, like some dumb tiktok challenge, only to get angry because you didn't do the tiktok orange peel challenge in the way she wanted. I have no time for such drama in my life.

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>>28737460
I'm saying your partner doesn't need to have some heckin cool high-paying job
The other things? Yeah, fuck all that, we've gotta get on with these
She doesn't have have an interesting profession THOUGH to be a good mother
She doesn't have to be blonde either

>>28737457
you can roll the $999 into the monthly payment, retard.

>>28737456
>NOOOO IT'S $0 down $250/mo instead of $200???? FUCKING RIP OFF

shut up retard. yeah stuff costs more now. get the fuck over it.

>>28737472
>>28737478
Samefag.

>>28737482
>>28737482
that's not what samefagging is. obviously i'm the same person.

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>>28737469
I'd say you're reading too much into their job. People mostly suck at everything. Mostly. Would you rather have the random cute waitress chick making cars instead? Or making art? Writing metal music perhaps? Or does she need to have some faggy stem career?
You never know; they could be interesting, they could even enjoy making gay little drinks
Who are you trying to marry, fuckin oprah or ellen or some shit?

>>28737487
>I'd say you're reading too much into their job. People mostly suck at everything. Mostly. Would you rather have the random cute waitress chick making cars instead? Or making art? Writing metal music perhaps? Or does she need to have some faggy stem career?
And you're reading too much into the preferences of a faggot you will never meet in your life. You found your cute little barista basic white bitch that's fine, there's no need for you to defend her honor as a basic white bitch in the car forum of 4chan.
I am not dealing with that. Me. Myself. I.
Not you. I don't care what you prefer in a woman. by all means go and get your mindless drooling retard, the fact you only intend her to be a breeding sow for your children is something every woman should be able to do, regardless of intelligence, profession, thoughts, or opinions.

Can you even buy a running car for less than $10,000 anymore? I'm dreading the day my Obama-era Corolla dies and I have to become a debt slave just to go to work.

>>28734314
rent 1600 (in a better state with no homless or niggerspics)
car: 300
gas: variable
insurance: 100
internet + subs <150
eating out 100
groceries 800
FTFY
>>28737450
>having a wife w a job
cringe

>>28737493
NTA but women shouldn't be allowed to work, or at least your gf/wife shouldn't be working.

>>28737496
There's plenty of 5K shitboxes around still, it's just harder to find them. You'll probably have to deal with some shady buy here pay here car dealer in order to get them instead of dealing with the local populace. But that's no problem if you have the cash on hand.

>>28733240
trvkes always get ignored

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>>28737493
You'll find boring -- and interesting -- people in all walks of life
I find most of the people I meet who work in tech to be boring as fuck squares that think whatever their boss tells them to
Why would I want their opinion on anything?

>>28737502
>cheaper life in a better place

That's the dream, but then all us Californians go to Idaho and Idaho prices become California prices. The inescapable thing is money. Too many damn rich people driving everything up. The gap between Haves and Have-nots is ever growing.

Eventually it'll snap and all the Have-nots will run buckwild and take everything back. I pray for that day.

>>28737502
>>28737503
If your potential wife doesn't know how to sustain herself in the day of our lord 2000 + 25 without whoring herself on onlysimps you're doing it wrong.

Regardless of your opinion on marriage and family, your wife your add to your life, not be a drag on it. If you're wife is a domestic woman who only knows how to clean and cook she's a loser. If she's a professional woman who works 12 hour days and has no idea what a whisk is, she's also a loser. it's not about her being one role, it's about her being flexible and available to be part of the team.

What happens if you get a serious injury and you have to get surgery and stay out of the workforce for 6 months while you recover? Your domestic wife will be able to take care of you, but where is the money gonna come from? Your career wife will be able to weather the storm of losing your income, but what about your at home care? What if you need her help to do some therapy, what is you cannot cook for yourself? what happens?

It's all about balance. She needs to be able to do both cause you're not gonna lose the house because of your too traditional 1950s idylic lifestyle dreams.

>>28732550
>>28736632
>credit score
And why do mutts have the audacity to complain about China?

>>28737336
they only refresh the score once a month

>>28737538
women should stay at home with their parents until marriage. there is no actual reason for good women to have jobs.

>>28737502
>groceries 800
either you have a family of 5 or you are a total lardass

>>28737646
"Based," to use the parlance of our times

>>28737538
I have a farm wife who can frame and drywall a room. Im not worried about missing work and having to send her in.
>>28737695
No Im like 17% bodyfat
Family is on GMAD so there's $200 a month in just milk and beef is $10lb starting

>>28737753
based milk chugger
also it's called gomad

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>>28737425
Again, what do you gain by lying?

>>28737472
No you fucking can't, retard. Otherwise what's the point of a down payment?

Poor normies would rather go into debt looking 'rich' on higher model cars, than to be seen in a cheap car.

>>28737775
the point of a down payment is to lower your monthly rate, but it's really because they want your money now.

>>28737775
If you get into an accident in a lease, even with GAP insurance, they get to keep any down payment. It's just a freebie for them, legally.

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>>28734314
>Car note: $1000-1500
>Eating out: $1000
This is some serious retardation anon

>>28732541
My mommy bought me a car for being such a good son and looking after her in her old age

>>28740402
Based mommer, good deed can actual pay off harder than busting your ass sometimes, that's not even why we do it but it's nice.

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>>28740042
>tfw even cheap cars are a pain to afford now.

>>28732541
I bought my daughter a car cause I struggled hard with cars in early adulthood and almost died at one point so I figured a new car is better than college and cheaper

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>>28740793
You spoiled her and she's now getting passed around more than a football on game night.

>>28734314
>You have 80k after taxes
>Better spend like there's no tomorrow, and take no opportunities to save
Even as a car guy who makes it their priority, a 1000 to 1500 car note is fucking insanity. Delay your gratification, put a big down payment or pay it in cash. Also a grand in eating out every month? Wtf lmao

>>28737470
>your partner doesn't need to have some heckin cool high-paying job
It would be pretty cool to bring a lot of extra money to the household lol
Also why do you always capitalize though?

>>28736676
Gay LARP fag

>>28740920
Yeah but that extra money will probably just go to stupid shit
And for the same reason that >>28740985 capitalized larp

>>28732560
2023 I got a my ND2 with 0.1% APR. Have an 825 credit score

>>28732541
Prick-waving.

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>>28742010
This the huwyte people's culcha.

Stacey needs to flex on Kelly in her new Range Rover. Mark needs to show Dave he's a Real Man™ in his F-TreeFiddy Supadooty Harley Bauer Edition KANG RANCH wit da leather.


Goddammit somebody please nuke this planet already.

>>28732541
By having insane amounts of debt.

>>28742065
>ebonics

>>28732939
he's not that old yet, obesity only rarely kills before 55

>>28740042
It's why the tata nano was a commercial flop. Even subhumans would rather jam 5 people on a scooter than drive the most poorfag new car.

>>28732548
based

>>28736538
4800lbs is hardly heavy.

>>28744015
Yes, your mom is healthy at any size

>>28734068
>>28733001
why do people with money always buy the dumbest, gayest shit imaginable? is it on purpose? does our economy only give money to people who will waste it on gay shit?

>>28732541
denbt

>>28732977
Doesn't matter that the engine might or might not be good, it's inside what looks like a bloated 10 year old camry with ugly cheap plastic fender flares on it.

>>28744144
Because I'm not 18 and i dont buy shit to be a special little snowflake, I buy it because I need it.

>>28732548
Friend of mine ruined his life by marrying a chick that couldnt handle her money and was waaaay to into Looking the life they couldnt afford. He was making $120k a year and it still wasnt enough. Missed mortgage payments/maxed out credit cards but hey they STILL need to get a new leased car every 2 years..........fucking insane

>>28744854
I was dating a girl who was really into some girl-oriented gacha game with historical figures in it. She told me that she was a tier 5 in it and I asked what that meant. You go up one tier for every $1000 you drop in the game.
Her guild leader was like a tier 24 or something retarded.

>>28733288
Those weren't registered nurses, dumbfuck. Those were the asswiper variety that make $18 an hour.

>>28744744
did you buy a maverick because you needed it for cruising for male prostitutes, I mean wouldn't the trans-mustang suffice for that?

i have $120k worth of vehicles all paid off and 1/10 people make more money than me. it's stupid easy for most people to afford at least one $60k+ car.

>>28744870
my dad has spent 20k in some mobile gacha game over the course of five years...

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>>28744883
meh, same shit different smell
do you have the clip? post it plz

>>28744883
also i never did say they were registered nurses

>>28744920
No inheritance for you, rip

>>28733237
Because they won’t. They’ll get bailed out by parents/relatives/daddy government.

>>28737695
A surprising amount of that is toilet paper. We go through about a roll a day.

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>>28733919
you’re doing it wrong. Do it this way, pay off the loan immediately, and they’ll cut you a bigger discount.

>>28734314
>Eating out: $1000
Most restaurants are Sysco slop. You could eat the same thing just buying from a Costco.

>>28745292
get a washlet. You’ll unironically save money after about a year as a single person. As a savings I imagine you’d save around $300-500/year.

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>>28740773
I don't know what dealers are smoking these days, but I guess it's other people's hopes and dreams.

>>28744854
I never understood why marrying a debt-free woman was on par with a virgin until I dated a girl like that. I made $~130k/year working remotely in a super cheap country and it was still not enough.
>”I want to date someone who earns enough we don’t have to budget!”
was literally something she said one time as I tried to get her to learn how to budget.

>>28745306
>we don’t have to budget
People like that will spend all the money available no matter how much it is.

>>28744962
You retards insinuated they were the usual, decently paid nurses. CNAs are paid like fast food workers. So no shit sherlock, those broke single moms don't have lods e mone.

>>28745398
no one insinuated shit, you’re just salty because you’re a faggot working a woman’s job.

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>>28745400
Wrong again, dumbfuck. I'm not a nurse and my field couldn't be further from medicine. You're just some easily manipulated nigger that thinks nursing=decently paid and wanted to slam dunk the brokies from mom's basement.

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>>28733292
>I think a big part of that is lifestyle creep, nurses think they make a lot of money
PFFTHAHAHA

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>>28745408
Meanwhile

>>28745410
>Most RNs don't even crack 6 figs
grim

>>28745420
It's a job you can do with an associate's

>>28745301
>500 dollarydoos a year on tp
this isn't the coof anymore, or maybe you need healthier bowel movements or a better understanding of cost per unit

you should be buying in bulk, infrequently. At the highest cost (i.e. full price medium quality packs from the grocery store), as a family of three, we chew through a $12 pack every 5 weeks or so. but we're smart and stock up when packs go on sale, so ee're forking over 40ish twice a year

>>28745310
some people just save a pile of their paycheck to offset their spending habits. my wife makes bank, but because she's fucking useless at managing the money, she'll dump 30% of her income into investments/rrsp immediately after being paid. I'm not much better, but I know how to shop discounts/bulk pricing so it almost evens out in the end

>>28745486
>budgeting
I personally just abhor the idea of spending money frivolously, thanks to my parents teaching me about fiscal responsibility since I was a small child. I therefore have a very similar lifestyle now that I'm making $200k as when I made $40k.
Aside from buying a nice Corvette, and having steak a bit more often lol

>>28745555
which is a perfect way to live when you have the foundational knowledge, and are comfortable with a certain income. I definitely would have benefited from better financial knowledge when I was younger. it took me a while to build up my own understanding of how, essentially, not to be an idiot with money

I think most people probably benefit from budgeting at least for a while, similar to many other "strategies" that just amount to learning something practical. once you have a foundation of something, unless you have dogshit impulse control, or are a fucking moron, you don't really need to follow a strict budget or system because you start to intuitively know what needs to happen for a desired outcome

>>28732903
My mom charged me 500 a month to pay for the student loan she cosigned for my brother who ended up ghosting her on the payments. Hoping he gets maimed or killed in a freak accident so she can get out of paying it.

>>28744744
yea you totally need that faggot nustang, there was not a single option with more utility

>>28734068
>His home is concrete block construction too
Fucking hell. Don't tell me it's in an 80% white northern state too is it? This is why gay couples get pandered to so much. Men outcompete women in all aspects of life and a couple with 2 men and no kids is going to be a spender for your company

>>28745410
>>28745420
In Califucklia many nurses >$200K easily

We used to have a guy who commuted from Utah to work shifts and drive back, because it was worth it

>>28745400
Nurses make 130k around here lmao

>>28745310
I don't budget and buy whatever I want. Bought a new 911 last year. I make 400k wife makes 100k but the only thing she spends money on is our children, not bags, cars, clothes, etc

>>28745555
Come on post the corvette, don't be stingy with pics.

>>28746139
I needed an ev because I drive 220km a day, and it costs me 1.50$/day to charge it. Its comfortable, fast, cheap, easy. Those were my requirements. I wanted a brain dead easy npc car to slog out a gross commute, and it fit the bill. I have the maverick if I need utility. I still have the frs if I want something fun.