How the fuck do people afford these crazy ass cars above the 100k mark? You'll see karens driving around in their super SUVs that are absolutely not cheap and pushing 90k while you can barely make rent in your shitbox. Don't even get me started on the prestige cars that everyone wants.Is it too much a dream to be able to afford something awesome, or at least a souped up commuter like a BMW M car?
>>28803863They buy them on credit. Most visually rich people are massively overleveraged and are living paycheck to paycheck just like the rest of us are. Actual rich people drive econoboxes until they are wealthy enough to spend 1% of their wealth on a nice car.If your cars are more than 5% of your net worth then you have too much car.
>>28803863Karen makes $120k/yr as a middle manager. Her husband makes $195k/yr as an engineer. That's $315k/yr household income.
>>28803863Get an e46 or some cool M car. Nu-cars aren’t well liked anyway.
is there any reason you are so class obsessed that you care about some post menopause middle management retard driving a UAW shart mobile off debilitating credit? maybe you do deserve to be a serf all your life
>>28803880>house mortgage is some function of a million bucks being paid down because real estate is absurd>basic life expenses are insane and even worse if they have kids>lord help them if they have even one medical snafuWhere the fuck does a karen wagon fit in this scenario?
>>28803893At $315k/yr you're pulling in $26,250 per month gross. The mortgage on a $1.2m house is gonna be around $8k/month. Payment on a $90k car will probably be around $1,300/month.They'll be alright.
>>28803880I can't see myself landing that shit, maybe I'm stupid or aggressiveBut then even Tyreese gets his hellcat by working at a warehouse and I can't see myself holding that down either
Some of them, it's a company car. The company is paying for it as a perk. Lot of german cars rolling around are being driven by nepo baby senior VPs.Otherwise it's just like houses. People figure out what they think they can do as a monthly payment, get the biggest loan they can, and then go buy that much car. Financial literacy being what it is these days, some of them have the ass to actually keep up with that and some of them have to dip into credit to cover a 400 dollar emergency.If you truly desire prestige and status symbol cars that are just expensive, to keep up with the Joneses, then you will be overleveraged like the Joneses. Everything else, including turning heads, can be done a lot cheaper. Make your expectations fit your income or become an empty eyed lizardman money grubber. The choice is yours.
Oh and if it's any consolation those 90k pickups/giant SUVs are probably going to go the way of the Topkick in the near future. They're already having enough trouble moving that inventory they have 2023 models new on lot at a lot of places
>>28803863Have a c8 z06, made $340k w2 last year, plus my wife works too and some investment income. In tech like anyone else that makes good money, isn't old, and wasn't born into a family with money.
>>28803931What if you don't like techslop and do more traditional engineering work?
>>28803936Then have fun making less money. I don't like what I do but it pays the bills and I have enough free time to do things I enjoy with the money.
>>28803943But shouldn't you at least tolerate or slightly enjoy the shit you're slaving away at for most of your waking hours? I know you're doing it to afford your lifestyle, but doesn't that scratch at you from inside?
>>28803948nta but in the same boat. not at all. my career has allowed me to have all my hobbies, plenty of time to partake in them, a nice house, wife, kids, etc. my life is great. you need to get past the idea that every waking moment should be spent pleasuring yourself, you'll never achieve what you want with that mindset.
Richfags finance them with bank loans. This way their stonks can continue to grow, and they repay the loan from their returns. Being rich must be fucking amazing. You get everything for free basically
>>28803931Go to bed mike
>>28803960>you need to get past the idea that every waking moment should be spent pleasuring yourself, you'll never achieve what you want with that mindset.not that anon but sometimes the amount of bullshit you have to not just put up with, but actively fight, is just not worth the money. sometimes your sanity is worth more than any amount of cash
>>28803863The reality is you are poor.If you don't make at least 300-400K as a white "male", you have failed. Shaneequa makes 150K from her gubment gibs job. Jose working for the local power utility co is making 100K. If you had any advantages in life, you have no excuse to be dominating."100K a year" was a lot... in the 1990s. With inflation on top of covid excuses for businesses to double prices, 100K then is like 300K now.You need 300K minimum just to live comfortably in HCOL zones like California. If you have a family, you need even more."100K" cars are like a 40K car when you were growing up. Not unreasonable. Nearly everybody in California is making 800K/yr household income (techie + doctor combo, or similar variation).t. I am poor but almost everyone I know is pulling 1M+/yr household income.
>>28804032Median household income in california in 2024 was about $96,334.
>>28804032>if you're not making techslave money in san francisco (where burgers are 25 dollars a pop) you are poorYou can also live somewhere that isn't as cripplingly expensive and lower your expectations. Tradies are making more these days but that doesn't make those jobs any less miserable for your body. The average annual salary nationwide is 66k, and the median is right around 60k. 100k is still pretty good, even if it isn't the money it was 25 years ago.
>>28803873>Most visually rich people are massively overleveraged and are living paycheck to paycheck just like the rest of us are.Overleveraged is a very nice way of putting it. Their net worth is so negative that they may not pay it back at all. With usury, their economic worth is actually negative, even if they worked until they dropped dead. They cause more harm than good collectively.>Actual rich people drive econoboxes until they are wealthy enough to spend 1% of their wealth on a nice car.Not necessarily. The car stops being the 1st or 2nd most valuable possession in their life. Hell, it's not even in the running for the top 10./o/ forgets that most people aren't car people, so a lot of wealthy people who don't care about cars see no need to replace something that already works. If you own a car long enough, you encounter a paradox where it becomes impossible to replace an old car because it's almost always cheaper to do the major repair than it is to replace the car, barring significant utility concerns.
>>28804032>Shaneequa makes 150K from her gubment gibs job.GS pay schedule doesn't even go that high unless you're a lifer with like 30 years in government service.Government still pays uncompetitively but the idea is that it's stable work no matter what happens. This administration kinda flipped that assumption on its head, not to mention that a bunch of government wagies decided to retire early and fucking regret it.
>>28803948>doesn't that scratch at you from inside?Not really. My job is pretty easy, the most I work is 6 hours a day. Me and my wife own a home, I drive the car I want, we can spend money on our hobbies, take international vacations a couple times a year, and still max 401ks and save money. All that makes me pretty happy.I have a friend who absolutely loves their job but works more than me and makes about $60k a year. I'm a little jealous that they get to enjoy their job but I wouldn't trade my situation for theirs. >>28803979huh?
>>28804050The one big thing is the benefits. Specifically, the retirement pension and the 401k.
>>28804054>Specifically, the retirement pension and the 401k.Those are nice too. People underestimate the value of a guaranteed stream of income. Some do, and play incredibly stupid games like pay mortgages on ten rental properties and forfeit it all the moment the overnight Fed interest rate rises above 3%.Government's version of the 401K is the Thrift Savings Program, and their Roth TSP almost always falls under the income limit for most government work, so there's almost zero reason to change unless COLA or ES pay qualifies above $150k. They now allow rollovers from traditional TSP to Roth now. TSP's returns are usually not as good as their commercial counterparts but they require extremely little upkeep.
>>28803863just get a mustang.
>>28803863New cars are gay
>>28803863You don't gotta make that much retard. I make high 100s, my wife makes high 100s, we have no kids and a fairly low mortgage. We're looking at buying a car now with a budget of around $90-120k because just with spare cash on hand we haven't put in investments we could almost afford it.I'm not even that wealthy. This is just middle class activities if you have no kids.
>>28804113$350+k/yr isn't middle class bud. That's staunchly upper class.
>>28804085A few years ago, you would've been called poor and seething. Now, people really do not want to deal with engine, transaxle, and electrical defect issues on newer cars. It's a shame, because it pushes used car prices higher.
>>28804140>he fell for the middle class memeThe true middle class are the economically independent. They're the middle ground between the wealthy, who need not labor and toil to thrive, and the working class, who need to labor and toil to survive.That's generally the top 10% of income earners. That's about $167k for a single person in the US in 2025. Everyone below that is still working class. Anyone that tells you otherwise is feeding you Bezmenov-grade copium.
>>28803863You're just poor. I made 450k last year and wife made 100k part time. I still financed even though I could pay cash because the interest rate was 4.5% while my stocks made pic related last year.
>>28803948>But shouldn't you at least tolerate or slightly enjoy the shit you're slaving away at for most of your waking hours?nta, but unless the job is actively stressing me out somehow, I couldn't really care less what I do for work as long as it pays the bills. I'm also in tech, I can't say I really "enjoy it" (as in, I don't have an interest in anything programming or otherwise work-related once I clock out), but I'm naturally good at it, so there is almost no stress and it allows me to have a house, a kid, support my family and have enough time and money for my hobbies.
>>28803873SEVERE COPE
>>28804352a-actually rich people never f-finance e-ever anont-they only buy a corolla with the lowest trim
This is the most depressing thread I've read all day, I'm not going to make it.My business lost its ass last year and my credit got ruined I was doing good before my industry got flooded with sand niggers and Pajeets who undercut me and put me out of business. I got locked out of the housing market right as I was starting to do good in life, then COVID came and doubled and tripled the price of everything basically overnight.I see all of my friends and people on here making it, they have houses and credit and go on vacations and I'm working 90 hours a week trying to figure out if I'm going to eat Ramen or Burger King. I lost all of my savings trying to keep my head above water.I just need to disconnect from the internet for a few months, or maybe life in general. I hope the rest of you find what you're looking for in life, I didn't.
>>28804517>i’m broke :(>*buys fast food*many such cases
>>28803863If youre below 40 just realise that you are playing a grossly different game to what the boomers did. They got themselves into property then sent it to the moon by importing tens of millions of third worlders, the more business savvy were able to start businesses when they were young and disposable income let you take risks.People under 40 its usually a case of nepotism or crippling debt.
>>28804517>My business lost its ass last year and my credit got ruinedThat really sucks, anon. But please understand the fact you even put yourself out there and made a small business is a lot. And that is a big indicator that you will still succeed in the future. Just rebuild even if it's slow, pivot to a new business if you need to if the old angle isn't viable anymore. Just keep it trucking, brother.
>>28804509>>28804352>nooo ACTUALLY rich people ONLY live in flyoversville and L.A.R.P. with grandma cars with lift-kits!!!
>>28804534>nooo that car is LOWERED you LITERALLY can't drive it ANYWHERE I can't BELIEVE someone would remove the beancounter neutered, old-man-appeasing BULLSHIT to make their car BETTER!!
>>28804352I don't believe you. I caught my roommate posting in threads like this with a bunch of screenshots he stole from Reddit. He even went as far as photoshopping the images to his PC screen and showing a timestamp. Y'all are LARPING Fuck off..t cleared $134,000 last year and feel poor.
>>28804517is this your first day here? most of these ""rich"" faggots are unemployed neets trolling you or just shitposting from their break room at the supermarket.
>>28803863Broke retard who drives a 2020 Porsche 911 here.Basically no one affords them. They afford the monthly payment, and barely. If you have a house or house savings payment plan already underway, everything else can be used "responsibly" in my world. I have a 10,000 dollar emergency fund and I max out my 401k. I have my mortgage and I set aside a couple grand in fun money each month. Otherwise all my money goes to my car. For me its okay. Ill own it in 7 years and at least the 911 will still be worth a retarded amount of money by then.You only live once, if cars truly thrill you why not. I cant go on crazy vacations all the time like my friends and I cant afford to eat out as much as they do, but I drive that fucker every day and every time I blast through the highway near my house I get a big smile and for me its worth it.
>>28803873Most truly rich people pay someone else to drive them. Used to be a luxury sedan, but now a Suburban, Escalade, or some kind of luxury van is favored. Why would you want to drive when you could relax or sleep in the back seat?
>>28804829>Broke>has a Porsche 911>fuels it>pays insurance on it>pays for registration>pays for 401k>sets aside "a couple grand in fun money"Bread on fucking hood.
>>28804862I can't I'm in Europe atm for work.>I live in Texas
>>28803873>>28803863>>28804042One of the reasons poor people are poor is that you cannot conceptualize being not poor. 100k is not some crazy amount of money for a car in 2026, even if like all new cars it's a bad decision from a purely financial standpoint. A 1962 Cadillac Deville retailed for about $5,300. The median wage in 1962 was $3000. The median wage today is about $60,000. The equivalent is $105,000.Stop being poor
>>28803863You DO have a big boy car payment ($1k+), right? It's a sign of respect to the normgroid NPC to be able to flaunt that.
>>28804886The dollar went far further in 1962, and that Cadillac was one of the finest cars on the planet. A home didn’t cost a million dollars then and taxes and costs were nowhere near as high. A hundred thousand dollars is a lot of money when about 90 percent of the working population in the US has that, or more, in debt. Debt is enormous. If you have any form of debt whatsoever it is not good. You are not beating the system, you aren’t even benefitting from it. It’s just being a debtor>>28803863In addition to being debt monkeys, people will also put cars through businesses for tax purposes or if they are a high performing wagie may get given a car or money toward a payment on one as part of their package. Then there are the people that have some inexplicable level of earning despite not really doing anything. None of this makes any sense. It’s why you end up with cops making $300k a year and “engineers” pulling in half a million in the coastal places. It’s fuelled by debt. The money machine won’t stop. About the only good thing for those of you that are in debt is that it will probably go away, as the entire thing is on the brink of some Zimbabwe level event where McDonalds workers get paid $75,000 an hour
>>28804918>Big Goy EditionIf you wear a hat indoors and have tattoos you shouldn’t make $1500 a year, never mind have it to spend a month on some shitbox
>>28804921>If you have any form of debt whatsoever it is not goodThe eternal middle classoor. Debt is fucking awesome. Debt lets you get rich. Debt to buy liabilities, like cars and houses, is often dumb unless your tax situation justifies it. Debt to buy luxuries, like liquor, clothes and restaurant meals, is absolutely retarded.>The dollar went far further in 1962, and that Cadillac was one of the finest cars on the planet. Like I said, if you're making median wage today, a $105,000 car is exactly the same cost in terms of your actual wage as a $6200 Cadillac was to a median earner in 1962. Both numbers are bigger. You could buy more expensive cars in 1962 than a Deville.>A home didn’t cost a million dollars then That's one place where relentless government intervention has ruined everything and it'll be interesting to see if we can recover from it. At least we're not as bad as China and Canada.
>>28804921>If you have any form of debt whatsoever it is not goodAny form? No. That's definitely not true. But as it pertains to things like cars, debt is still fine if you get good enough rates. I had a miata that I could have purchased outright but they offered 1.9% APR. That's lower than inflation. I could put that money into even shitty return investments and it was better to take on the debt. You could argue that you won't use the money for investing or that inflation shouldn't exist, but I live in the real world.Hell, even up to around 3-5% interest rates you might well be better off putting down enough to make sure the car isn't underwater then financing the rest. Using other people's money is a very good way to use your own money better.Cars aren't investments normally, but that doesn't mean you have to just never buy nice cars because you lose money on them. I lose money on food, too, but I still eat good food instead of the basics for sustenance.
Thread is always the same. A bunch of wagies barely pulling $50k screeching “They’re in debt!!!!”
>>28804942>I had a miata that I could have purchased outright but they offered 1.9% APR.I'm still kicking myself for not trading up in 2020 during the COVID panic when dealers were offering huge cash on the hood on top of the usual 0%. Imagine locking in 0% interest just before 25% cumulative inflation, literally getting paid to buy a car.
>>28804962It was a great time, I bought my last car during that era after the lockdowns started but before the chip shortage began and I got 10% off sticker. It's worth more today than I paid for it, and it's a regular ass ecobox car. Was one of the best decisions I ever made.Don't worry, though. You'll get another opportunity. Just have cash on hand the next time the market takes a gigantic shit all over everything. You won't need to wait that long, it doesn't seem...
>>28804976Oh, I did just fine during all that insanity and continue to, but it would've been hilarious to have been paid to drive a new car lol
>>28803880This. These families also typically have millions in inheritances, so they live on the full take-home and aren't that worried about losing their jobs because connections.That much "self-made" is just slavery - yea, you might be able to retire some day when bringing in $15k/month net, but you still gotta pay pic-related. Even if you live on $5,000/month otherwise (assume kids, no lay offs, no hospital bills, etc), you are still paying pic-related.So the example family is in their early 30s if very exceptional or early 40s if normie-no-help-from-family-middle-class. Well, guess what? Next 10-15 years everything goes toward the house.And then you are 45-50. Yea, you can get your Corvette or Waissach package - but who gives a shit at that point.Point being that you can still "responsibly" afford a M or a even a $200,000 car in yours 50s as standard upper middle class. The cost? Only being a slave for 30 years (and continuing the slavery, just with a house paid off for about 20 more).As far as young people getting cars like that - usually rich parents, exceptions, onlyfans/illegal shit, or something in between (semi-rich family + neural surgery).Basically, 90% are poor, and it's normal not to be happy about it, especially when the wealth of other is so visible (especially to your GF). But this has been the case for a while.
>>28804942There is a simplicity to not carrying debt. Sure, you might make an inflation-adjusted 1-2% in the S&P 500 for your 60k car over the loan period, but for most people it's a hugely over-blown meme. Except it's even more so when you factor in that people are paying close to 6%
>>28805005jesus christ you bitter, cunty faggot wagie.
>>28805027Disagree with something I said. If you can't, then stop trying to say "everything is fine". Also, post income (whether it's wagie, biz, or investment income). Might be funny. With age of course, since as I said in the post above, it matters a lot.
>another finance thread>somehow im supposed to believe ~60-70% of /o/ are upper class/richfagsSure.
>>28805031Not that hard to be in your 30s making $200k+ in tech. Just because you don't make much doesn't make other people liars.
>>28805031Lads, my Car payment is $560 a month.And I hate it.I've paid off $8,000 since November 25.Hopefully pay it off in February..t cleared $130,000 gross in 2025.
>>28805060>Not hard to be in your 30s making $200k+ in tech.Not in the AI era.All those jobs are disappearing at a blistering pace.I live in Seattle and those guys are basically suicidal right now.All the "not real job" tech bros are getting BTFO.The ones with jobs still are branching out in every direction in the hopes for job security.Right now, Manufacturing Tech jobs are the only safe area.Gotta help make something of value, Otherwise you are toast.
>>28805060Law, consulting, IB, medicine, etc.
>>28805005>borrow $400,000 for thirty fucking years>QQ I have to pay interestJesus.Leaving aside we're at peak interest rates now, and how it's a fixed 30-year loan when inflation exists, so the actual value of that fixed payment shrinks every year, while your income grows over the same period - a house is a liability, not an asset. The way to get rich is to borrow money to buy assets instead of borrowing money to buy a liabilityPeople kneecapping themselves for their prime earning years will indeed have to wait a long time before they can buy themselves toys>>28805060>Not that hard to be in your 30s making $200k+ in tech.I know cops who make that much money. $200k is not a lot these days
>>28805029Eh, it was just the extreme nihilistic tone. it read like something a bitter NEET would scrawl when seeing anyone not living with his moms. Lots of people bought houses when rates were low, sucks if you missed that window though.. but i mean really, did you think rates were going to stay under 3% forever? =PBut: 43, ~202k. wife makes 80k, our mortgage is 1.4k a month (we do have a HELOC that's another $600 -- used it to buy more land, so whatever).Overall though, yeah; we're pretty comfortable anon. Neither of us came from wealthy families, not even slightly.
>>28804886>100k is not some crazy amount of money for a car in 2026, even if like all new cars it's a bad decision from a purely financial standpoint.For what you get, it's a terrible deal. Doesn't matter if you're rich if the expensive car is a headache to own.
>>28805101>For what you get, it's a terrible dealAny new car is a terrible deal 2bh>hey, want to give me 50,000 for this thing? It'll be worth 43,000 the second you buy it, and $30,000 in 5 yearsOver the same period of time, the NASDAQ is up over 100%, literally the laziest investment anyone could make has doubled their money in 5 years while anyone who bought a shiny new car is down 30-40%.
>>28804859because I like cars, duh.
>>28805096$1.4k mortgage is dirt cheap. Sounds like 2% on a house in Nebraska.
>>28805131it's 2.8% on a house+land in Southern Oregon (we went the hire-a-builder-route)
>>28805121>It'll be worth 43,000 the second you buy it, and $30,000 in 5 yearsNot to mention depending on the brand, software rendering the car useless, engine asplode, transmission btfo, bad QA/QC, etc. No automaker is safe and even the Japanese old guard of dependability is fucking up.
>>28805134Yeah that’s about what I expected. Must be nice being old enough to get that rate.
>>28805140It's kind of fun to think about the cottage electronics industries that are going to pop up once those screens in every car start dying with the last time a replacement was made on an industrial scale being 10 years earlier
>>28805140>bad QA/QC, etc. No automaker is safe and even the Japanese old guard of dependability is fucking up.Fr fr no cap ong bussin slap uncI've been following the newest gen Camry's and they have tons of quality issues. Even Camry's are disposable POS's now.GOD PLEASE NUKE THE ENTIRE PLANET SO WE CAN START OVER
>>28805141we closed in 2019 and refinanced in 2021..
>>28805157>I've been following the newest gen Camry's and they have tons of quality issues.I've really been hoping the UA80F would be a solid successor to the U660F but they're blowing up because they run too hot.>toyota ws atf is for old, huge transmissions with big sump capacity>newer transmissions stuff more gears into less space>they run hot>ATF vaporizes>ATF goes low from overheating>not enough lubrication or oil pressure>gears start grinding>it's too late by the time you hear gear whiningI think Toyota will not make this right and will ride out a forced recall to their peril.
>>28805089>income grows over the same period-ACK!
>>28805089200k in your 30s is like 95th percentile.
>>28803863I settled with a 996 to scratch my cool car itch. To non car people, its a sick ass 911. to some car people, its a sick as 911. to less car people, its a piece of shit that isnt a porsche and nothing to be happy about owning. But those dudes are absolute gutter faggots.
>>28805070That's a good car payment desu
>>28805192Because 95% of "humanity" aren't really even living. They're NPCs that eat hot chip and live in Mom's basement, floating thru life pointlessly.The only people who actually get to live life are the "rich" ones. New cars are basically exclusively the territory of wealthy buyers now. Vacation and travel experiences are targeted at them too. You have to make several hundred K to buy a house in any major city now.Your first priority in life should be to get to at least 200K annual income. Whether via book smarts (doctor/lawyer/enginerd), street smarts (business/influencer/scam artist), or hand smarts (tradie/handies/blowies).
>>28805182>during the 54-month period duirng which we had generationally high inflation, wages didn't keep up with inflation!!Holy shit!>>28805192>200k in your 30s is like 95th percentile.90th for men I think, but 20 years ago it was 99thThese percentile numbers, however, are skewed by people who are willing to waste their one existence clocking in for 33 hours a week at some shit pointless non-job, providing no value and making no difference for anyone. Among people with agency it's not as impressive
>>28805220cool blog post. 200k is more than enough to do everything you want in life and never worry about money.
>>28805096I am genuinely not even flexing, but I make more than you and my gf makes more than your wife. I know it will be taken the wrong way, but I am really not trying to flex - my point is you and I are at the line where we are doing ok. Imagine how fucked everyone else is, and everyone tries to pretend like everything is fine.>>28805101I bought my first new "sports car" recently and there is a ton of shit - tires, consumables (pads, more frequent oil changes, premium gas, etc). It all adds up, and then you eat the depreciation.The other side of the coin though is that my ancient Civic was costing me a lot in maintenance too and I did literally all the work myself - clutch, bushings, everything on the accessory belt, etc. A friend has an MR2 with 700hp and a racing transmission, wide fenders, etc. That thing cost him as much as a new sports car at the end of the day. Again, my point being that "just build your own" doesn't hold up in terms of cost specifically if you want to match new sports cars.>>28805134Congrats anon.>>28805192It's not anymore. I always look at household income though, ESPECIALLY if you are single, because that's a you problem and you compete with households for quality of life.>>28805220Here is more of my pessimistic shit - 200k doesn't get you anywhere past the middle class anymore and surgeons are closer to 600k now. As in, first job out of school. That's where the idea of 200k being low comes from.
>>28804672God you are such a nigger
>>28805236Maybe if you live in India or Louisiana
>>28805239>It's not anymore.yes it is i just looked it up.
>>28805236See above. Depends on when you start making that 200k. My experience has been that only the kids with top connections* (or genuine geniuses or really "right field, right time") got the "lol 200k starting" jobs. A lot of millenials did call centers, service, manual labor, etc jobs managing to land their first "professional" job by 27. And that's those who got a second education (not necessarily formal) and completely re-skilled into another actually-in-demand-field.Then there is no connections grind for 10 years and you are getting that 200k by 38 - 48, as I said. At that point, if you want to support a family and buy a house, say goodbye to your spare income. If you want to understand this, read my doomposting above, but I am not talking out of my ass.Now, at 20, 200k is a king life, sure. But there is another aspect to it - when you are doing 12 hour days, driving to work in _______ doesn't really make you feel much better about it.You can take this as doom posting or maybe consider that it's not just weak failures saying there is a problem with the economy and meritocracy.* a major US bank just got a 26 year old gay art student running their commercial IT department because he "is the most qualified". Couldn't make this shit up if I tried.
>>28805246Just to avoid pointless arguing: https://dqydj.com/household-income-percentile-calculator/
>>28805248not reading all that. 200k/year is 12k/month net. with that you can buy a million dollar house and a 200k lambo and still have 3k left over. cope.
>>28805246>>28805253And just not to be intentionally dishonest - if you are talking about the chart by age group - that shit is like 6 years old.Then there is the doomerpill about how many jobs are going to be left (especially without reclassing AGAIN). Doesn't apply if you are a surgeon, but sure as fuck applies if you are a FAGMAN.
>>28805253you posted household not individual and didn't factor in age. they to be less stupid in your next reply to me.
>>28804921>He's not leveraging debtI'm 3 years in an 800k mortgage. 725k left at 2.75%. Paid 21k interest last year. The investments more than make up for the interest. House also went from 1m to 1.5m.>>28805239Uh surgeons don't make 600k starting out. Maybe a high paying specialty and later into their career.
>>288052601. Houses don't always go up like that.2. If all of that is from a job and normie investments, I am going to venture a bet that you belong to the "really well-off family and right profession" category.3. I know a 27 year old who redirects blood flow between twins in the placenta or some shit and he started above that. He thinks everyone can do this and just don't make that because they are lazy.
>>28805259The context covered both of these, if you don't want to read it, that's a you problem.
>>28805261Bro, MFM does that and that's 7 years of residency/fellowship after 4 years of medical school. Not sure how a 27 year old is doing that.
>>28805260I think the unspoken part here is how did you get to 3-4M separate from house?Only someone with good family setup launching right into an extremely high-paying job/field could even hope to build that level of wealth by 30s
>>28805121>hey, want to give me 50,000 for this thing? It'll be worth 43,000 the second you buy it, and $30,000 in 5 yearsExcept for extreme outliers, cars depreciate. New or used. They depreciate. Every car is a terrible deal in that respect, so if that's the case the only thing you could do is not own a car.Turns out buying things for fun isn't about making money.>>288052611. They don't, but even when they don't you are still paying them down and the money can go to other things. You're making more than renting.2. I have a normie job and normie investments and while I don't have that high a networth, it's still over a million. I grew up poor, was homeless in my late teens, and had to get student loans to go through college -- there's a lot of luck at play in anyone doing well, but not being a retard also helps. All the luck in the world won't help someone who can't or won't take opportunities. I do wish I had grown up in a well-to-do family with connections that would have helped me. I'm sure my networth would be a lot higher, in fact.But we do what we can with what we get.In the end, a 100k car isn't some crazy thing. Is it expensive? Certainly, for most people, even for those making good money. But is it unattainable? No, it's not. Or buy it used for $80k in 1-2 years or $60k in 3-5 or $30k in 6-10.
>>28805031My credit score is like 500, which is more than what i paid for my most recent running, driving shitbox. Everyone who doesn't do this is a retard.
>>28805309>Every car is a terrible deal in that respectI fully understand cars I buy are financial liabilities and I'm comfortable with it! It's just weird how many people think they're assets.
>>28805260>House also went from 1m to 1.5m.heh. you're like my buddy who bought a corvette for 11k, told me he got it for 9k, now has it listed after 3 years sitting for 17k.
>>28805343Yea, i don't buy video games for them to be an appreciating asset. I don't eat a nice steak dinner and hope it's worth more when I shit it out. And I don't buy a car to hope it increases value, I buy it to drive it.
>>28805348IKWIGS
>>28805443ISLOWS :(
>>28804918These people spend the equivalent cost of my entire car in 5 months to receive a vastly inferior machineThe only reason I don't side with the jews at this point is because I MYSELF don't want to be beheaded by muhammad/etc. The thought of these fucks doesn't even concern me at this point
>>28805348Cool story bro.
>monthly thread where everyone on 4chan makes 300k+, is tall and ripped, and whose dads work at nintendo
