How are you niggers able to pay 100k for ford expeditions while purchasing 500k houses? I dont understand this economy at all and I make reasonable money.
>>28845412You're single and living in an overpriced shithole. That's why you can't afford anything.
>>28845412Alright "wigger" number one soft A not hard R and number two though loans you stupid dusty ass honkey tonka clown. Fuckin' idiots on this site surprised you niggas can even do the captcha.
>>28845412Id never in a million years pay 100k for a Ford. Who the fuck does that?
>>28845412I sell cocaine and your Mom's ass.
>>28845446Burgers who need luxury trucks
>>28845412i have this coworker who is always loudly talking on the phone. Ive heard him mention to whoever he has 25k of debit on a cc. another coworker left his gmail logged in and i snooped and he had a bunch of email about missing payments. basically people are broke and borrowing money. i have 3k on a card and another 1k on a newegg card
>>28845412A lot of people are financially illiterate and take out loans for everything and live paycheck to paycheck because they're flooded with payments, and sometimes can't even make them. Their entire financial situation is a house of cards that's just waiting to collapse at the slightest setback. Just because you can afford the payments doesn't mean you can afford the product I also have a fancy car (in my eyes) but I bought it with cash, all while having an emergency fund for atleast a year if shit goes south.
Test
>>28845412Anything is possible if you're willing to take on debt.
>>28845475>neweggwow, don't think i've used that site since like 2013 or something. what's changed?
whats the point in being rich if youre broke at the end of every month?
>>28845412Jobs? My car is worth more than that and I bought my house at double that price. I also save 50% of my income and put it into stocks.
>>28845414Correct. You must be married. Everything in our tax system is to benefit married people. It was set up that way almost 60 years ago.Otherwise you're a literal slave laying 36% of your money to taxes BEFORE you even get into social security, state tax, sales tax, fuel tax, etc. Your basically my stay at home wife's paypig since we get all the tax, healthcare, and refund bucks off your back.
>>28845412>How are you niggers able to pay 100k for ford expeditions while purchasing 500k houses?My cars arent worth 100k, but I got that dual income both in stem fields.Stem is a meme anyways, my neighbor is a pipe fitter and his mortgage is payed off as of March this year and hes 33. Meanwhile i spent 5 years in school mostly part time while working bullshit jobs, and in that time housing prices doubled. I'll be paying this shit off for the next 20 years but at least its nice and not near any black people.
>>28845412They're up to their eyeballs in debt. If they lose a single paycheck it's over.
>>28845580He's full of shit. Pipe fitters only make $60k base and they blow it on meth. He's probably at $95k working 60hrs a week pre tax. Nothing to beat yourself up over.Blue collar guys are the biggest bullshitters you can't believe anything they say. Plus he's also my age range which means he would've had to go to school to get hired anyway so he would've been out 2 years in welding school making his time in 13 years at most and he's still a fitter which is an entry level position? Total bullshitter.Everyone is trying to act like YouTube millionaires now it's weird.
>>28845580How are those Mach-E's. Are they any good
>>28845585dont they have OT + under the table money from side jobs on the weekend? IIRC my takeaway of the trades is that you can make 6 figures if you're willing to work extra hours which are always available. like guys make an extra $20-40k per year doing cash jobs apparently. but the guys who are actually rich from it are the business owner who *did* work as a plumber like 5+ years ago but now he just manages workers as a contractor or whatever.
>>28845597>guys make an extra $20-40k per year doing cash jobs apparentlyYeah out of their ass. I'm structural welder cert, don't work blue collar but still have a lot of people in my school friend group that do.These guys are chronic bullshitters. Everyone is always working a side job making a large sum of money. The reality is they're just full of shit. Think about it. How many people need something welded right now that aren't businesses who won't pay you under the table or can pay you a few hundred an hour to make your time worth it.Protip: not many.It's just a cultural thing where if one guy says he's working 60hr/wk you scoff and say you're working 80 + side gigs. Now straight up guys are working on the side but it's nothing crazy. White collar people just get insanely jealous about stuff like that since their income is fixed and we know that so we lean into the "side work" meme to fuck with y'all. I fuck with them back when they tell me I don't work a real job by telling them I shoot for 30/hr a week. We both know it's bullshit it's just banter. White collar people don't understand it because if their ego is threatened they melt down. Self depreciation is a must for manual laborers.Objectively think, if you made $100k a year working 60hrs/we would you fuck around on your days off to make maybe $400 extra on a side gig? Fuck no. Double fuck no for guys in their 30s/40s.
>>28845585It's possible he's lying but he doesn't give off that vibe. He buys old shit all the time and fixes it. Hes super proud of how cheap he gets shit. Pic related is his snowblower hes kept on life support so he doesnt have to buy a new one.Hes been a pipe fitter since he was 18 so like 15 years of experience.
>>28845603Pipe fitter is an entry position. You don't even weld you're a grinder bitch. He's been doing it for 15yrs?Not saying he hasn't but he's probably making $55-60k pre OT
>>28845603Alao to add to this, his first house he bought for 300k, put about 100k into it, sold for 800k. Housing went fucked in toronto during covid and he just got lucky on the timing. Meanwhile i was in school losing out on hundreds of thousands because of our retarded governmnent. He still makes good money, but a lot of it was luck.
>>28845606Ok so he cashed out an investment. Totally separate story that makes complete sense.
>>28845610Even then, he said he made 130k a year last year, and he only works 7-2 every day and takes a lot of Fridays off. He could be lying but he really doesnt give off that impression to me.
>>28845417Hard r is fine. Pull up.
>>28845414>dude just move to a mystical BASED N' TRAD SMALL RURAL TOWN™ where the costs of homes are not 3-4x the prevailing pre-tax household income for the region
>>28845620This, but not sarcastically.
>>28845688median home sales price in my "99% white 2k population rural hometown" are $200k. median household income is $60k. now consider that your other costs are largely the same as what someone would pay in a suburban area.
>>28845412Heard of banks?
Nothing beats generational wealth. Capitalism is mostly luck.¯\_(ツ)_/¯
>>28845694>Work remote>Move to a nice rural town>Get house built with cash with 2 years of savingsRemote work is based
>>28845842i work remote but I wouldn't lock myself in to a small town.. if i were laid off i would have a hard time finding a new remote job.
>>28845412They aren’t able to pay for them, they have a retarded amount of high interest rate debt.
>>28845600I dont know why blue collar jobs have this goodest goy competition culture. It’s funny because I used to do IT for a general contractor and I did fuck all 99% of the time.
>>28846057I'm one of the thought leaders at my company so I am not super concerned. Even if I got laid off I could afford to take a huge pay cut and still be living a better life than I would in a city. I live off grid, owe nothing, and grow and hunt my own food so I have many years worth of savings without having to dip into any of my investment accounts.
>>28845412At 31.9% APR, that's how. What, you thought Joe Blow working as a hotel clerk had a hundred grand kicking around? He lives paycheqye to paycheque.
>>28845412Fun fact. You only pay Social Security taxes up to ~$180k. Above that you just pay federal/state. I also max out my 401k, Roth, HSA, dependent care, and college funds. My company also pays for my car and fuel, and mileage is a tax deduction. Also, my state allows a refund of tax we paid towards public school so we can use it to pay for private school.After all is said and done I pay a lower percentage of tax than people making under $100k. I also book all my flights, hotels, etc for vacations through the company and get roughly a 30% discount vs a normie booking themselves.tl:dr the tax system benefits poorfags and high-earners. If you're entry-level middle class you get your ass fucked.
>>28845412I don't either I'm drowning
