Just quit drinking coffee before you know it you’ll have 15 grand saved for a down deposit on a house. You have to make sacrifices if you want to be successfully like the older generations. Cope and seethe below.
>>488969618cause fuck commerce
i bet he spends more on bodyguards than i could spend on coffee in a hundred lifetimes
>>488969618>15 grand saved for a down deposit on a housejust $37k from the down payment amount needed for a $250k house in 2024.
Every time I see Kevin Oleary hes saying some super villain shit.
>>488969618>moronic woman writes commentary on sane take>gets posted to reddit, not enough updoots>faggot posts same retarded thread here>fires up VPN to same fag response to keep it aliveif you can't make coffee at home where you can control every single bit of the production and HAVE to spend money on obvious sloppa, then you need to get deported, as well.
>piss money away on something you can prepare yourself at a fraction of the cost or get for free from your company's breakroomWhat's wrong about this? That shit adds up quickly.
>>488969618Tbh i agreeMost work places provide coffee cause it's cheap as fuck. Buying a coffee for 5 dollars is idiotic. Thats the only thing i agree with this crypto jew on.
>>488969618It's not just about the coffee. It's about the mentality of being okay with spending $7 on coffee seeping into other things in life. They are the same type of people to eat out every day, go on vacation every couple of months and get 2 cars that are financed while living in a "luxury" apartment
>>488969999A rich man who hasn't done a days work in 40 years shaming actual workers for needing a cup of joe when they wake up at 4AM to keep a man like him rich is a bad take.
>>488969618Why are Canadians so disgusting and vile?
>>488969618>down payment on house you don’t actually own on land that the government really owns This world is sick. Everything is a rental with extra steps. Yeah bro you totally own that house, just remember to pay that property tax that is subject to going up every year.
>>488969618A grande coffee at Starbucks is fucking $2.50. Stop buying coffee milkshakes.
>>488969618Coffee at home costs fuck all. The guy is right. >You are just too unwilling to make simple sacrifices to pay for your bottom surgery.
>>488969618you have to spend money on something if you want to go to any kind of even remotely social setting like a coffee shop. there are no spaces where you can just hang out for free except for public libraries. I doubt coffee shops are making that much money off your $5 coffee, that goes to rent, staff, and hiring cleaners for the restroom. they make their money off food
>>488970022My work has better coffee than I can get at the local stores. Cold brew keg too.
>>488970128most ppl who do this have expendable cash, they are usually in the upper 5% in terms of income. Occassionally an idiot will put themselves into debt with stupid spending habits but it's not the average person who works pay check to paycheck>>488970155Kevin spiritually Jewish
>>488970179>you're just renting the house from the government>that's why you should rent a house from a jew who is renting it from the government
>>488970996false dichotomy
>>488969618YOU VILL EAT NOTHING AND BE HUNGRY GOY
>>488970933If only my friend. I know so many old classmates who make less than me, but they spend so much more.
After I recovered from near fatal illness I got a job in a factory. I worked like a damned dog and saved 70k in 4.5 long years just waging and practicing self-denial. Well, it wasn't enough to even consider making the downpayment on a house. I said I wanted to consider borrowing 100-150K and putting my cash down, and they fired back that the bare minimum is 250K for a 2-3 bedroom bungalo style home in blatant disrepair. I said fine, I'm patient, but I will meet you halfway and consider bumping my debt up to 200K, with 70K down. They immediately started sending me listings for single wide trailers from the 80s on 1/10th acre city lots for 350K because they thought I'm a sucker and they want to clear their own listings of the detritus. When I calmly responded that I would prefer to wait for the right listing to come along, I got ghosted in short order. It's impossible for me.
>>488971094No, it's not. How is it better to rent a house from a jew who is renting from the government, than to skip the jew middle man and rent it from the government yourself?
>>488969618I drink it for free at office, nobody buy coffee except woman and gay.
>>488969913Stop wasting money on starbucks = super villain shit?
He's not wrong.If you go to Dunkin Donuts twice a day like my dipshit sister, that's $4,400 a year.
>>488969618The rich love to give HELPFUL financial advise to the poor.
I don't smoke, drink, do drugs, purchase take out or ever go anywhere ans work full time. I still have no money and get raped by taxes, bills, insurance, "student loans" etc. Lucky country!
>>488969618True, if you buy 5 dollar coffee 5 times a week, 4 weeks, that's 100 dollars a month
>>488971972>His grandfather, Thomas Charles Munger, was a state representative and later a U.S. district court judge appointed by Theodore Roosevelt.>When he applied to his father's alma mater, Harvard Law School, the dean of admissions rejected him because Munger had not completed an undergraduate degree. However, the dean relented after a call from Roscoe Pound, the former dean of Harvard Law and a Munger family friend.Oh yes, a real salt-of-the-earth worker that saved up pennies to get ahead in life. I fucking despise these faggots.
>>488969857If houses are only 250k then just buy it in cash, no mortgage needed
>>488969618He's right tho, it's beyond retarded to buy super expensive coffee at coffee shops instead of just brewing it yourself at home for 1% of the cost.>b-but I don't have time!If you have time to stand in line, go to a coffee shop and order a coffee you have time to make coffee yourself.
>>488969618Buying coffee is a waste of money but it’s a total read herring anyways. It’s so much easier to deflect the blame away from your parasitic landlord friends than address the real issue, which is the cost of living crisis. Not buying coffee isn’t going to slow inflation or energy/rent prices, its like governments guilting citizens into recycling while big companies are allowed to pollute all they want.
>>488969618$10k in a year is about $35/day.That's a monster, a value meal at mcdonalds, and a starbucks a day.
>>488972659And to add to this >>488970022 I don't know of a single work place where you can't get coffee. If it's not free AT MOST it's like putting together a "fund" with the rest of the workers that's at most $1/week.
>>488972751This. And the sooner you can buy real estate the better. It's the ultimate hedge.>dollar goes up, house price goes up (interest is higher)>dollar goes down (interest lowers) and just refinance the rest of your loan when it's profitable, and lower your monthly costsI've got over half a mil on loan in hard assets I can afford at 2% averaged and I didn't have to put any money down. Good luck getting that interest rate for the next 10 years. Best part is I can transfer the interest rate to the new owner if/when I sell. If you didn't take advantage of the last 10 years, and especially during COVID, I feel sorry for you.
>>488969618This is actually good advice for many and it's not just coffee; a lot of people spend what they consider insignificant amounts of money on small purchases every day, sometimes multiple times. If you're looking to save money, cutting back on these things is a great way to so it.But, unless you're a 400 pound person spending 50 bucks a day on "coffee," or the sugar loaded ice cream concoctions Starbucks sells that people call coffee, I dont expect many people will suddenly become wealthy homeowners by cutting back.
>>488969618>that scowl
>>488970146You are so moral!!Omg! So brave!!!You can turn a common sense appeal into a Marxist trope with your better than everyone else's morals.Wow!
>>488973229you faggots will do ANYTHING but get mad, but keep pretending you'll suffer hard enough to come out the other side not smelling like shit. you wake up or you don't and we all die either way
Doesn't matter whether you have a nice apartment downtown, a mcmansion in the suburbs, or a rural homestead--you'll remain a wage slave if not a debt slave. Run your own business? You're a slave to your customers, insurers and regulatory organizations. The only escape from responsibility is death. Still, you won't make war.
>>488973229sticking to a budget is fine and all and obviously there are people wasting their money but to imply people are struggling because of a daily cup of coffee whilst rugging the dollar from under them and calling them stupid is psychotic and born of a different type of hatred.
Seriously tho, are there people that really buy coffee for $5 a day, and even multiple times a day?I don't get it.If you don't have time to make coffee at your home before work, you don't have time to enter a coffee shop and buying a coffee either.And all work places provide coffee in one way or another... so what kind of people actually buy daily coffee like this?
>>488971280Depending on the state you live in, you could buy a generous amount of acres with 70k and grow THCA hemp flower that is literally sold in vape shops. You could get the most bang for your buck in a state like Michigan or Oklahoma.Congratulations, you just graduated to owning your own real estate and business and the bankers can fuck off when you have crypto on just 70k.
>>488969618 >guilting citizens into recyclingAnd most of that ends up in the land fill anyway
>>488973785>Seriously tho, are there people that really buy coffee for $5 a day, and even multiple times a day?>I don't get it.Yes. I've worked with people that would spend about $50-100 on shit like that every day on average. Coffees, ordering food or eating out for lunch, not cooking anything at home, have a satellite TV subscription and streaming apps like Netflix, etc. Tons of shit that any normal person that spent 10 minutes just looking at their bank account and tabulating it for the year would go WTF am I doing?
>>488969618Who the fuck spends 15k on coffee?
>>488971972Ok now let's say I actually do have a couple hundred grand saved up (mostly in US stocks) from working as an electrician the past six years, what should I do with it?
>>488969618>15k for a down paymentYou unironically need 20x that now
>>488969618why yes I am rich and you can be too if you just stop drinking coffee
>>488969618I partially agree with him, instant coffee is easier and cheaper. House prices are through the roof, quitting starbucks isn't going to magically get you a house, boomers don't realize how much easier they had it
>>488973514This isnt a statement that should trigger you so hard anon.
>>488974294Start planning on splitting it between differend fund managers, and keep the majority of the portfolio USA owned companies/stocks.
>>488974294>what should I do with it?100% Tesla stock... should do 4X -12X in next 5 years.
>>488969618$5 for a coffee$10 for a sandwich$15 x 30 = $450$450 x 12 = $5 400$5 400 x 5 = $27 000$5 400 x 10 = $54 000You wanna get real crazy, buy your cheese and sandwich meat by the log and slice it yourself
>>488974971Nope. Buy Uranium miners if you're fishing for individual stocks.
>>488969618>>488970022>>488971280>>488971972>>488973229>>488974294Story of my life: balding at 16, went to Berklee college of music, parents stopped paying and put me in a mental hospital for months, in there I was sexually assaulted. Now I'm 33 years old and a NEET incel. My IQ was confirmed to be 135 which is genius tier. I'm on welfare and food stamps. My parents absolutely ruined my life and I haven't worked in over 10 years. Only sex I had was with prostitutes. I'm just waiting until my boomer parents croak and then I'll inherit a cool million. Fuck them for ruining my life, fuck them for the lies and gaslighting
>>488972711Landlords aren’t responsible for prices of rent, in fact they lower rent because they increase the supply of available housing and encourage development.And big companies are not responsible for pollution. Every single pound of CO2 pollution emitted by a big company is only because the customers demand that product. It’s the consumers fault for forcing the company to produce pollutants not the company themselves
>>488969618WHAT?! Are you eating. FOOD?! You need to rearange your life to better serve my needs. Yes I will have the 5 star $800 lobster dinner. Do you understand how many ideas I essentially bought and stole from people in finical precarity? Why can't you be smart like me and use lots of jewish wealth to control product markets? What are you stupid?! You should worship my feet because I'm rich and I'm going to bombared your brain with media telling you I earned it fair and square and I work uber hard. So hard that I earn a pay well over 1000% from yours I am that hard working.
Let them eat cake!
>>488969618Just buy bulk coffee and make it at home lmao
>>488970356Yup, part of the death of society is the death of the third space. The system is very good at financializing everything, including social interaction.
>>488975220Just live in cardboard box lmao. You don't need to afford a car lmao. If I mismanage the economy the government is going to cover me. You on the other hand need to pull up them boot straps and find more excuses for my behavior. Chop chop. You need to be more creative. What do I pay you for?
>>488973514Kevin is not giving you money or sexual favors, you don't need to defend him so hard.
>>488970356>much money off your $5 coffee, that goes to rent, staff, and hiring cleaners for the restroom. they make their money off foodNot really, drinks are how most businesses make money. Alcohol and pop especially, but even coffee is extremely cheap to make and can be sold extremely high in comparison, whereas food margins are often tighter. Nicer cafes who uses high quality ingredients and don't skip on cream and whatnot might have tighter coffee margins and bigger food ones, but often it's the drinks.
All that money and still can't get what he wants. Send me money ya jew
>>488969618i love coffee and dont even talk to me until ive had my cofffeessshhh shhhh shsh shhhhh kevmain osweetiegulp. gulp gulp gulp.ahhhnow you may speak
You don't have to quit drinking coffee, you just have to make it yourself. Brewing a pot of coffee at home takes all of 5 minutes and costs pennies.
>>488971564Nigger I drink cheap instant coffee in hot water. If I M feeling fancy I'll get some slop from a gas station. You are the blackest Nigger that has ever existed.
>>488969618>15 grand saved for a down deposit on a houseIn what shithole?
>>488970146I usually don't need any stimulants until the afternoon, typically between 3 and 5 pm.I don't resort to coffee or energy drinks for that matter. I just use caffeine pills. Sometimes, I throw in ephedrine or phenylpiracetam for an extra kick. But I take my caffeine with water. Just plain old boring water. I don't need anything expensive or brewed. If you weren't all such faggots, you would use caffeine pills instead of wasting your money on energy drinks and coffee.And, yes, coffee is good for you, but there are better ways of getting your antioxidants in.
>>488969618While I'm on the opposite end of the spectrum and am very frugal and get big anxiety when I have to purchase something. Normalfags are really bad with their money and do overspend on things like this everyday. They don't seem to have a concept of how it seems like nothing much at the time but over time builds the F up.
>>488971564He's not wrong in the fact that someone buying Starbucks coffee and sandwiches everyday is spending a vast amount of money that can easily be saved, but no one is unable to afford a house based off daily sandwich purchases. It's taking the blame off of rampant housing cost increases versus stagnant wages.
>>488972659Starbucks is the most jewed thing to ever happen to western society. Dumb broads paying $7/cup for a 600calorie quasi coffee flavored milkshake. We're fat, diabetic and broke and niggers on this site will never stop arguing about it being a good decision to make.
>>488971972>the first 100k is a bitchHe is 100%. Poverty trap is a thing. Money makes money. This is why teens should be working part-time jobs instead of some illegal brown.
>>488969618Large, decent columbian coffee + cream/sugar = $65/mo (weekdays only). So that would be about 19 years.
>>488969618I drink the free coffee at work. I've never had starbucks or any other coffee chain coffee. I have a house. Coincidence?
>>488974294All on red.
>>488969959THIScrisis of degeneracy Poor because dumb. Beer, starbucks, mcdonalds, streaming services
>>488969618or maybe try making coffee at home retard
>>488975765>Alcohol and pop especiallyyeah I agree with this, (fast food makes money off soda), but I think coffee is a bit different because the beans are more expensive than the soda syrup. also in fast food if you sit inside you're not going to stay for more than 10 minutes. at a coffee shop you take up a seat for 30 min - 1 hour (even longer if people bring their laptops), then they try to do things like make the seats uncomfortable or make seating limited (starbucks), to try to get you in and out as quickly as possible. >>488976331starbuks started out as a third space lounge (copied from italian coffee shops) that served coffee that catered to american tastes (sugar). diners have fallen out of favor as a third space. at any rate, you need to spend your money on something if you ever plan on going outside. all these boomers talking about saving were the ones going to diners and bowling alleys every night having a grand old time
I get my coffee at dunkin for leass than 2 bucks.You can suck my cocks
Also I just remembered, there's deals here you can get like "unlimited coffee for 80 bucks a month" or so from star bucks equivalents here. Do they have those kind of deals in the US?
>>488977267No because they have people that would abuse that deal into the ground.
>>488969618Lmao TKD
>>488969618You can apply the same logic to any kind of impulsive, frivolous spending and not just coffee. Further, alotting a weekly cash budget for expenses mitigates the compulsive digital tap-and-go wasteful spending most people embrace. Saved thousands doing this.Financial literacy is on its way out, and banks like this.
>>488977267Oh nevermind they removed that deal
>>488977926what do you mean they
>>488978302the biggest coffeeshop chain in Sweden used to have a deal where you paid like 100 bucks or so a month and could get unlimited coffee from them.
>>488972480Sure
>>488973590It’s true people spending on coffee who are rugging thr dollar
>>488969618What a based take from O'Leary. I see everyone drinking coffee, which is stupid, it just wears your adrenal glands out, you're in constant stress because of it.
I did quit buying coffee, WFH made it easy. A lot of people quit buying coffee for the same reason, and overpriced food. Then the Mayor started bullying people back to the office and businesses started to comply. Apparently not buying coffee daily makes me an economic terrorist against small businesses and corporate landlords who lobby him under the table. A tale being told across North America. Also didn't actually go back and I last bought a coffee from jeet hortons in 2020, fuck those downtown niggers.
Kevin isn't wrong but the problem is people shouldn't have to. The only reason they do is because businesses are parasites.
>>488976265If you are wasting $15 a day instead of brewing your own coffee for $0.05 then you probably have a host of other bad habits that could easily be corrected. It adds up quick. Become more self sufficient and screw the system.
>>488969795He has the money, you don't. That's the difference.
>>488978832This just comes off like dependence or jealously to me. Your grandfathers or great grandfathers didn't need some asshole business to make a sandwich for them. Why shouldn't you be more like them?Why should you depend on corporations for such simple things?
>>488976772I do the same and rent lmao and i make $95kFuck california
>>488969618Not everyone can chow down on infant foreskins, Kevin.
>>488975125>Landlords aren’t responsible for prices of rent, in fact they lower rent
>>488969618>15k is a down payment lol what shithole do you live in? A 4% down payment is closing in on 25-30k these days.
>>488976265>He's not wrong in the fact that someone buying Starbucks coffee and sandwiches everyday is spending a vast amount of money that can easily be saved,and its all because they are to lazy to cook and prep their own meals because they would rather be trendy
>>488969618>Stop spending money on gas;>Stop spending money on cars;>Stop spending money on transportation;>Stop spending money on holidays;>Stop spending money on travel;>Stop spending money on dinners;>Stop spending money on gifts;>Stop spending money on tv;>Stop spending money on phones;>Stop spending money on internet;>Stop spending money on new clothes;>Stop spending money.Enjoy the consequential economy collapse and ensuing sperg-a-thon from such related (((geniuses)))...
>>488969857>250k houseWhere? Lol my 270k house in 2020 is now 400k. If you didn't already buy, you never will.
>>488969857No one puts 20% down on their first house, lol.The 20% is there for seasoned homeowners who sell their existing home to buy the next.
>stop buying overpriced shitty coffee retards!>DA JOOS wants us to drink water and eat plain bread and not own anything AAHHHHHHH/pol/ white(mutt) supremacists never cease to amaze me with their stupidity.
>>488980787This, just stop spending on anything except the very minimum. Vote with your wallet.
>you drink water>It costs $5 every time you fill up your glass>Do not become addicted to water my friends Or my personal favourite >Having showers longer than 1minute Don't forget to tip your Jews who tell you how to live your life.It wasn't long ago when buying a coffee everyday was in even the lowest of incomes affordability.Now it's a fucking luxury?Absolute joke of a society
>>488969618Why does he act like the worst jewish stereotype imaginable?
>>488969618>15 grand saved for a down depositi don't live in nunavut
>>488969618>just join the horde of faceless NPCs enslaved to a mortgage and a car payment for the rest of their lives Doesn't sound like it's worth the sacrifice. In fact, it's not even worth getting out of bed for.
>>488974156>have a satellite TV subscription and streaming apps like Netflix, etc.I don't know why anyone complains about this, streaming is easily one of the cheapest ways to keep yourself occupied for long periods of time. What's Netflix now, like $20 a month? You can't buy three beers at a bar for less than that, much less do anything active outside or have a productive hobby or something. Like what does anyone expect? Are all these average people supposed to go home from work and meditate for 5 hours before going to bed?
Institute wealth taxes, please.Okay, btw, let me be real about something: we're so poorly regulated right now that shitty arbitrary regulations which "should" foreseeably fuck up the economy would still probably reduce wealth inequality and lead to improvements in human development levels.Like, I dunno, just absolutely strangle the fuck out of food service establishments with arbitrary dictats. It'll reduce wastage in the economy, improve savings rates, solve problems for people, and contribute to the long-term accumulation of wealth.We're being ruled by shitty deregulators who are happy to see a massive amount of wastage if it protects the interests of elites who have centralized the economy under their control.
>>488978892And his daddy had the money, and his daddy's daddy, and so on. The rich don't know shit.
>>488981300When the bar of trolling is Rowe, you need to go all out. They're the canaries on the coalmine, so they measure their noses' safety based on how many gunshots and threats those fags get
>>488980787>Enjoy the consequential economy collapseI can only hope
>>488972593OK let me get $250k in cash real quick
>>488969857>$250k house in 2024Are you buying a former meth house in Detroit?
>>488969618$15k isn't a down payment for a house anymore. Try $50,000 now a days.
>>488982119
>>488969618>You have to keep working harder and harder to get the same lifestyle that your parents and grandparents had because of inflation, jobs leaving the country and illegals flooding in>just give up that few dollars you spend each day on caffeine you need to get through the day to save up a whopping 1k a year so you can be rich like me!Day of the pillow soon, boomer.
>>488978877>If you are wasting $15 a day instead of brewing your own coffee for $0.05 then you probably have a host of other bad habits that could easily be corrected. >It adds up quick. Become more self sufficient and screw the system.see:>>488981424>I don't know why anyone complains about this, streaming is easily one of the cheapest ways to keep yourself occupied for long periods of time. What's Netflix now, like $20 a month? You can't buy three beers at a bar for less than that, much less do anything active outside or have a productive hobby or something. Like what does anyone expect? Are all these average people supposed to go home from work and meditate for 5 hours before going to bed?No, but you can watch youtube for free, all sports and racing are broadcasted online, sports are free online, torrents exist for movies, etc. I spend like $20 a month for my phone, and most of it is just taxes and fees for having the privilege. If you learn how to cook you can use that $5 a day icecream coffee budget to cover your entire budget for food, and actually eat real food. If you need a car for work, buy the cheapest thing on the market that's reliable and has the cheapest insurance. You can shop insurance between cars just by having a VIN, and those are free, they're literally in every ad. >be in the market for a car>car a is 30k, car b is 40k>car a is 400 a month for insurance, car b is 200 a month for insuranceIt's basic fucking math.
>>488974671Triggered? By you fags???I have heard this trite cancer my whole life. It is those who continue to play this worn out tactic should be on notice and harshly reminded that no one wants the shit they are selling. Only convincing to people who don't know shit.
>>488982572>no one wants the shit they are selling.Might want to read the OP again.
>>488969618kevin o'leary is a cocksmoking canaanite whim descends from the >(((black irish)))refugees from canaan, whom arrived not longer after the assyrian conquest of ancient israel
>>488982855Nonsensical comment to me.
>>488980982I put 40% down on my first home, and almost have it paid off after 4 years.
>>488982523I mean sure, but you understand that the difference between $20 a month and $0 is very low in the modern day right? $240 a year, $2400 a decade, yes it's more difference than zero, but that's not going to make the difference between affording a house and not affording one. However it might make the difference between whether you go insane or not. And it's not like if you can just watch youtube you can ignore anything else, people need variety too, of which a streaming service can be a cheap part. This isn't some insane gluttonous purchase, it's not gambling at the race track or buying Gucchi, it's a small comfort. And pretending like this one small comfort purchase is the whole reason that people can't afford houses is deceitful and evil, a vicious lie meant to push blame onto powerless people.
>>488969618if this is the sort of boomer cock cuckery we are gonna get then this whole so called revolution will be short lived i hate cunts like him probably worse than the blue hair cunts
I know 1pbtid but I did quit coffee. Feels great, no heart palps.
>>488980982Oh yeah? That's not what my bank told me. 20% or fuck off. Also average home price here is like 1.3 mil
>>488983430The point I was making is that it's all that little shit that adds up. 20 here, 30 there. 5 a day, and all of the subscriptions and other shit, going out to eat, buying shitty instant foodslop. It adds up over time. Go outside, exercise. That's free. >>488983430>pretending like this one small comfort purchase is the whole reason that people can't afford houses is deceitful and evil, a vicious lie meant to push blame onto powerless people.Oh, you're a Jew. Kinda figured. Welcome to 4chan newbie IDF shill.
>just stop paying rent bro, sleep under a bridge>just stop buying shit bro, just stare at the wall until work>just stop eating meals bro, eat dirt once a dayKevin O'Leary is a Grade-A Boomer Nigger
>>488980787Yes because wasting your money is totally how you get rich, totally. You totally understand economics
>>488980916Not true, I plan to buy a house in a few years.There’s cheap areas outside of cities where houses are only 700-800k
>>488981862I have 250k in Vanguard funds and I don’t even qualify for a down payment. My point was you need more than that for a house
>>488982119You need 200k for a down payment assuming they need 20% down.Some cheaper areas will let you put 150k for a down payment
>>488983724It doesn't add up though is my point. A subscription adds up to $240 a year, $2400 a decade, which is not going to make or break affording a home. Even if you double that up it's $480 a year, can you now suddenly afford a home? No, that doesn't even cover closing costs. So you're symbolically skimping on a minor expense to the benefit of almost nothing and at the cost of however many hours the screen can keep you from thinking about how little of your life you're living.And no, you can't blend in just by pointing and screaming kike whenever someone proves you wrong. I find it hilarious you even tried when you're the one defending landlords and mortgage companies from blame, while I'm defending regular-ass gentiles.
>>488980982This.First time home buyers with no real estate equity need at least 50% down
>>488969618>Boomers create a world where you can just BUY a coffee.>Boomers tell you to not buy a coffee.Big think.>>488970996You kike, there is no refuge for the pleb from parasites who want your money because you "live," the common man, even the shitskins can unite on this point, unless they want to be goons of Wall St. speculators.
>>488984011Wow look at you mr rich guy, I'm just a pleb with 2 jobs and I'll never own a house so oh well lol, no sense in me complaining about it. It is what it is
Do you rentoids have that money you owe me?
>>488969618It would take 9 years and by then the house price has tripled and wages have not gone up at all. Try again you filthy kikes.
You get one chance in California to get a CalFHA loan with a guaranteed interest rate at least a point below prime and only need 3.5% down. Sounds good right? lol no residence requirements exclude condos, duplexes, or manufactured homes, so sure you can put down 3.5% of $350k and have some insane ass monthly once you factor in the PMI
>>488984011that doesn't make any sense. 250k would qualify you up to a certain amount.or are you jobless and have 0 actual income? because yeah that'll probably do it.
>>488969618Lets assume I work five days a week. I spend 2.50 on coffee per day. At the end of the week my five coffees add up to 12.50. Over the course of a month I spend 50 dollars on coffee, over a year its 600 dollars. at that rate it will only take me 588.3 years of not buying coffees to save up for a house. I fail to see the issue, its a completely reasonable way to save for a house. Why isn't everyone doing this?
>>488969618coffee is trash, pure caffeine feels so much cleaner and its cheaper
>>488984193You're talking about one thing. If you multiply that it starts adding up very quickly. Inflation is a thing, and if you're not invested in the 2020 price market and taking advantage of the tax credits that were offered, then buying a home now is harder, but it's not impossible to save money, and when the market turns, invest it. Investing the S&P over time just once a month beats just about any other investment over time except for tulips and bitcoin, and we saw what happened to the tulips. We're currently like late 70s when interest rates were going up. Imagine a home loan at 15% being the norm. It was for a while. And a loan on shorter duration for higher risk, like for a business? lol. sweet summer child.
>>488984390I’ll never own a house either. Banks told me to fuck off
>>488984445Wages go up, prices don’t. You have no excuse
>>488984463If you want a 350k home then why not just buy it cash or put 50% down? Those are for people who want like $5m houses
>>488984623I earn 55k a year. It’s not enough to quality for a mortgage even though I have about 260k in liquid Vanguard ETFs
>>488984889>If you multiply that it starts adding up very quickly.By what other things? People who are poor spend on streaming services first and little else after.>investing adviceGood lord, how out of touch can someone be? Nobody has money to invest with at these ranges.>sweet summer child2016 called they want their memes back.
I brew my own coffee using stovetop percolators, and take it to work in thermoses. Go rant at someone else.
I hate this guy, but he's right. If you have money issues then cooking your own food/brewing your own coffee is a way to save a significant portion of your income. It's insane how many people blow a quarter of their salary on doordash and starbucks
I stopped using my brakes in gated neighborhoods to save money
>>488985627Either learn how to save money, invest, and stop being a Jew slave, or shut the fuck up. How much hand holding do you fucking need CHILD.You think we didn't all go through this shit as well? You're not special. We're sharing our experiences, and apparently the stuff I did landed me in a much better place than you. but I grew up wearing clothes from the salvation army, and hunting, so maybe the 'luxury' of a starjew subscription was nothing I'd ever consider in the first place. Sorry if you fell for the mind trap, you can't cope with the retards you're defending to win in life.
>>488986155a lot of people can't distinguish where they're at vs where they want to be, and live in this weird delusional entitled life where they live as they'd like to instead of as they should, because they feel they deserve it. also i didn't read the psot you're replying to, so if you're that faggot don't get butthurt
>>488972480you're right but what he says stands. Money attracts money just by existing. What you want to "get rich" is to save enough money so even if it yields a measly 10% yearly it's still more than what you may spend
>>488969618Watch contrarian faggots ITT agree with the Lebanese Jewish fucking leaf.
>>488975116so wait-you have millionaire parents that let you live with them for free, without working or slaving- and fuck hookers with their money...and you hate them? 135 isn't a genius and you are retarded sir.fucking.retarded.your life sounds awesome and your ungrateful post shows that you do not deserve it.>muh 135 IQ what a piece of stupid shit you are.
>>488986578He's right on this though, I've seen people that runs to a local coffee shop and buys some luxury garbage coffee for ~$10, that's $300 a month on coffee
>>488969618https://www.youtube.com/watch?v=0kbkysPTnHcjust another out of touch boomer
>>488970146Yep. "Let them drink keurig!"
>mid to late 20s workers who should be in the first few years of their burgeoning careers got ramrodded by Covid shit>meanwhile greastest wealth transfer in history occured when the rich SLURPED.com the dipparino >"just stop buying coffee you useless young white male!"Fuck him
>>488986319I lived off of $0.29 hamburgers for years and just added my own toppings because it was the cheapest goyslop I could afford at the time to scrape by. That was 10-20 years ago, and saved up as much as I could. You have to look at every angle in how to save money, and most people don't even understand interest, much less compound interest, inflation, etc. I'm a math nerd so that probably helped me a lot, and if you just distrust the government and think from the onset they're all lying to you, then you should be skeptic enough to investigate anything you invest in. It's common sense. People are lazy, and watching TV is for lazy people. I can afford to be lazy now, but I have that itch in me, always wanting to know more and look around at things, and at the end of the day, if you make generating wealth a game, it's not work, it's just assets you juggle and reshuffle as you adjust your portfolio.
>>488984254What the fuck are you even trying to say, you stupid fucking nigger bitch? Do you think it's better to rent from kikes, you dumb sack of retarded shit?
>>488986943you're on 4chan bitch i dont want to hear about how you optimize your time, but yes. you make sacrifices early on to be comfortable later. delayed gratification.
>Stop blowing your limited money on stupid shit "FUCK YOU RICH GUY ILL DO WHAT I WANT!!! WHO CARES ITS ONLY $7 ANYWAY LIKE THAT WOULD EVER AMOUNT TO ANYTHING!!! IM A LITERAL 70 IQ HIGH TIME PREFERENCE NIGGER!!!"Stay poor forever then I don't care
>>488974294Which local?
>>488969618He's right, Americans have such an addiction to BlackRock slop, it's honestly disgusting. Consoomer brand worship is literally the hallmark of low IQ behavior.
>>488969618I went out and got an espresso machine. Before I did, I calculated that it would pay for itself after 150-200 days of 4 espresso per day. After that the machine would be metaphorically paid off I would be saving $3.00/day after that while still getting espresso, that included parts and supplies for cleaning and maintenance, and learning about it was like a mini hobby for me so I considered the 1-2 hrs of time spent on a weekend every 3-6 months to be worth it.It's literally a money saver and an investment and provides healthy hobby value, but my family makes fun of me for wasting my money and tells me that I am living above my means.I actually sold my first machine for more than I purchased it for since covid made shit weirdly priced for a while, and in the 7 years I've saved about $6k vs going to Starbucks
>>488976185imagine not working for the FBI and getting top shelf blow for your stimulant needs. dumb faggot.
>>488986909It's not men doing this, it's women. And it's painfully obvious. Of course, they're not going to listen though.
>>488969618Same for nicotine and alcohol. By all means have yourself a drink occasionally but that shit builds up over the years. Even back when they were like 5 dollars a pack a pack a day over 5 years ends up being nearly 10,000 dollars. If you eat fast food even just once a week and are spending 20 dollars thats 6k in 5 years. Cutting out things that are bad for you anyway can significantly improve your finances as well as your health.
>>488972452>Just don't do anything for 10 years goy and maybe then you'll get a sniff of pussy
>>488987551Imagine if you bought unprocessed meats and vegetables...
Why haven't you taken the insant coffee pill?>cheap>stays forever>ready in two secones>tastes the exact same as regular coffee
>>488988367>Imagine if you processed your own meat, as in, you ground up your Weiner into hamburger and then reformed it into a sausage shape and eat that
>>488986943I lived under a pier next to the San Diego effluent discharge pipe for 3 fucking years you absolute faggot. Ate nothing but barnacles. I could gut you bow to aft with a goddamned pen knife with half my fucking arm chopped off. You think you know money. Fuck you I chew nickels to keep my teeth sharp. You disgust me you weak effeminate turd.
>>488988498just go to a local butcher>>488988499>Fuck you I chew nickels to keep my teeth sharp.for what?
overpriced coffee houses are the loophole tolerant loving liberals found to get a break from their pet niggers. That's all it is.
>>488969618Large cup of coffee is 99 cents at McDonald's. Mocha Chocolate Italianoe Grande Gaga probably costs $12 for a medium cup at Starcucks. I don't do that.
>>488969618A cup of Starbucks per day is literally the difference between retiring in poverty vs a nice nursing home.
>>488980916>Where?30 minutes from downtown of Austin, TX.
>>488988661Biting off dicks.
>>488988883They're retarded and don't know math. I guess the math meme is real.
>>488969959>>488969999>>488970022>>488970128>>488970243>>488970244>>488971564And similar completely miss the point as usual. In two ways:1. Housing is unaffordable due to mass trend factors such as inflation, mass migration, outsourcing, monopoly wage suppression, etc. Even if you brought everyone's "coffee and eating out budget" to almost nothing, you'd barely move this needle.2. Why Starbucks et al so *universally* expensive to begin with? As you point out, these kinds of items should be incredibly cheap. I'm sure you've all seen the pics comparing fast food menus from even a few decades ago to today, with inflation adjustment numbers.Also, an economy where nobody eats out and nobody buys coffee out would cause a vast swath of the population to become unemployed. I'm not defending these companies as le wonderful job creators, my point is that the "just never eat out" crowd hasn't considered what would happen long term if people really did this.
>>488988883Muh 401k> Unrealized interest i.e. unrealized gainsIn other words your calculator doesn't factor in risk.
just make it at home, retard
>>488969618it do be like that tho
>>488990389literally just make it at home
>>488989668it really is
Lets check his early life shall we?
>>488969618Based. Fuck commies.
>>488990538Hes irishFlash alarm
>>488990538He's not a kike.
>>488969618He's low-key trying to red pill you on the evils of the nigger bean water jew
>>488990626Faith n' begorrah, 'tis another great famine
>>488969618Sacrifices I’ve made:>skipping lunch and telling my coworkers I’m fasting instead I’m too broke to buy lunchVs trust fund baby Ceo’s sacrifices:>oh well since we can’t go to Cabo this year maybe we’ll just settle for the St George. We are not the same.
>>488983923>Retards can't readMore at 10
>>488969618Starbucks reports traffic, sales, and profit are all down. Why aren't young people buying more houses? Why aren't home prices falling?? Nobody is arguing against frugal spending, but the "young people don't have homes because Starbucks hypothesis" is nonsense.https://www.nytimes.com/2024/10/22/business/starbucks-earnings-sales.html
>>488969618So niggas be drinkin dey house in the mornin'?
>>488969618I've unironically spent probably $25,000 on nicotine over the last ten years.
GRRRRAAAAAGHHHHHCOFFEE IS NOT GOOD FOR YOU!!!!!I AM BREAKING THE CONDITIONING!!!!COFFEE IS BAD!!!BREAK THE CONDITIONING!!!
>>488990139>StarbucksNasty shit. See: >>488990389 and >>488990452
Just a reminder that him and his ilk collectively have enough resources at their display to truly solve these issueThey're just weak willed and lack the true spirit of a human leader.
>>488991069So niggas be smokin dey houses on smoke breaks too? U mean dey coulda had a house if dey didn't smoke dey house up during the smoke breaks?
>>488991106>>488990452>>488990389
>>488990626>Hes irishIf you ask me he looks quite very Australian (picrel).
>>488991004How dare you
>>488988883> poverty vs a nice nursing homeAlmost missed that. You can't even imagine retirement/old age surrounded by family. I wonder why?Boomer.
>>488987642> knows that cars and boats aren't the only thing that gets confiscatedSmart man.
>>488981498He knows that if only.made 30k a year it would be really stupid to spend 3k on coffee and snacks
Should poor people be allowed to enjoy life? I dont think so. God designed us so 90% of the human race can live as miserable wageslaves to increase America's GDP.
>>488991200I spend 70 a week on liquor and smokes. The difference is I can afford it, and I know where my money is going. OP is all about accounting. Responsibility. Children don't know that word.
>>488991722>im entitled to my weed and doritosYilou arenentitled to the fruits of your decisions and time investments sure. Just own them.
well you could not listen to him and keep wasting money on overpriced slop and hope that works out for yougood plan, certainly a better one than investing the 5$ a day in crypto or stocks
He went to college for that.
>>488991974>paying $5 for a coffee
>>488986730Why aren't there cheaper places to buy coffee? You'd think with the popularity of the beverage and the outrageous price tag, somebody else would be able to undercut them. Why hasn't that happened?
>>488991918>the year 2024>humanity is thousands of times more productive than ever>people should still have the quality of life of a medieval peasant because rich jews hate people being prosperous and happy
>>488992021Yes, but is that really the point here you pedantic fuck? Call it 3 dollars. The point was wasting money any kind of slop.You people deserve to stay poor. You can't be helped.
The revolution begins.
>200 replies>OP isn't one of themReally makes me think
>>488992249I make posts and don't reply to them all the timein fact im less likely to reply to my own threadsyou wouldn't get it.
>>488969857Who has a database of where all the empty BlackRock houses are that are not owned by actual people? Asking for a friend.
>>488969857>$250k houseLol. Literally don't exist. And if you think it does, contact the seller. You will quickly learn its already in a bidding war $75k higher than that list price.
This guy probably has a tranny type for him like Trump.
>>488976185At this point I don't even need coffee, uppers or the like. I drink coffee out of pure habit, love of taste and desire for a hot liquid in the morning.>>488977076>they try to do things like make the seats uncomfortable or make seating limited (starbucks)They removed/covered up all the wall outlets to get rid of laptop people. Walking into one where still have them and not occupied by anyone is just as exciting as chancing upon a random convenient parking spot. Problem of parking is acute in America and no body is solving it.
>>488970933No. Most people adjust their spending to their income. So many people live paycheck to paycheck, then get a big promotion with a $10k raise that could let them start saving...and immediately trade their car in for a more expensive one or take a $4k Cancun trip.
>>488969618More points: This guy wants people to stop patronizing the companies that make his 401k line go up, and if they ever actually did that, he'd be on TV screeching about it. Likewise, he'll complain that young people spend too much there, but would also argue that young people should find employment at these same businesses. He'll argue that these jobs shouldn't pay well, but simultaneously complain that the prices they charge for their products are too high.
>>488992374>empty BlackRock housesit's not like the chinks scam, but there is a lot of stuff on the books they hold that is in insurance litigation, and blackrock has a know huge position in real estate for like five years now, people follow them.
Fuck coffee.I never drank coffee until I got my first fulltime job.Went from waking up at noon for a 4 hour shift or NEETing, to waking up at 6 a.m. to go work in a factory full of chinksStarted sleeping 6 hours a night, then 5.Fell asleep standing up and got yelled at so I caved and started drinking coffee.It was free in the break room. I have NEVER paid for coffee in my life. After 6 months like this I began to feel numb to reality.Used to have lucid dreams sometimes.Ive racked up almost 3000 hours of sleep debtImagination doesn't work anymoreNothing feels real. Nothing matters.I am not cut out for wagecucking my life is nonviable.I have ruined myself. I wish coffee didn't exist so I'd gotten fired and never done this. I have 68k saved for a house but it doesn't matter because every house I can afford has a fucking 458 dollar a month HOA fee. I destroyed my brain and soul for nothing. Fuck coffee.
>>488986649>picWhat the actual fuck is going on there?
>>488990139gb2reddit faggot
>>488988883Define unnecessary>Unless it's biologically vital, it's effectively unnecessary...Welcome to living your prime years miserably, so you won't have live your later years miserably.
>>488991122>>488993355Cutting counterarguments from the "muh young people don't invest" crowd.
>>488989668>They never told him about inflationNgmi
>>488993672Retard didn't even factor in long term capital gains.
>>488993672>>488993776capital gains tax*
>>488969618People so empty they need these 'poor pop rituals'
>>488969618I don't drink coffee, tea, or soda and can't afford an apartment.
>>4889873662019choo choo
>>488969618Yeah hoy, what you need food and stimulation for?! I work 24hrs and haven’t eaten since last year you fuckn goyim can’t fathom my how hard I’ve worked for my families billions and subversive empire of lies.>*smug face*
>>488969857thank you. i needed a laugh tonight.
>>488969999Cup of coffee is 1$ anything more is what retarded weirdos buy.
>>48896961815 grand is not a downpayment on a house my nigger.
>>488994651This guy is just the Canadian version of the "butter is $7??" guy.
>>488970022How do you think kikes like this got rich? >ow don’t buy the 5$ coffee >buy my 1$ coffee it’s cheaper and you’ll be putting a 200k down payment on that trillions dollar hut in a few years goy
>>488994302>"Thrift king" literally has a fetish for wines>Inb4 can afford it"Money waste" is still "money waste"Btw, had better wines than him, willing to bet
Do you think jews ever have to worry about being frugal?
>>488969618>live like an animal deprived of even basic luxuries and maybe one day you can finally get to enjoy feeling like a human!I pray that whoever thinks like this gets shot in the back; they don’t even deserve the dignity to look their killer in the face.
>>488969618I drink cheap coffee, I can make a container of coffee last me a month or two, I know 7 whole dollars every few weeks or so is a lot of money but sometimes you gotta splurge.
>>488994821This guy didn't at the very least.
>>488991541I agree. Wasting money on stress relieving items is very stupid. Lower class people have such easy, stress free, lives.
>>488975125Imagine being such a fucking retarded that you think CO2 is equivalent to "pollution" man the kikes really got you fucking draining their little baby penises huh?
>>488995019These people are insane.
>>488969618>born 1954This man literally bought a house working part time at mcdonalds.
>>488995186You wish>the son of a UN ambassador and a stockbroker, Kevin attended private schools in Cambodia, Ethiopia, Tunisia, and Cyprus before returning to Quebec to get his MBA, then landed an internship at Nabisco that quickly turned into an executive positionParis Hilton is more tethered to reality than this motherfucker
>>488975125> increase the supply of available housingNo builders increase the supply of housing. If this were true, civilization would have invented landlords before carpenters.> Every single pound of CO2 pollution emitted by a big company is only because the customers demand that productProducts available, especially those difficult to manufacture, is determined autocratically in a top-down process not subject to popular demand. Nobody "demands" corn syrup and seed oils in food, but companies foist them on people.> inb4 don't like it? Just build your own multinational infrastructure and escape the regulations captured by your competitors.
>>488978823coffee prices are fucking ridiculous. I just bought my own completely manual espresso machine that uses no electronics and a grinder and make my own coffee. It's better than the shops coffee and uses good quality milk. Since doing that I don't think I've bought a single coffee. Depending on the beans I use it's something like 1 dollar or less per 2 double shot espressos + milk. Its kinda a nice ritual in the morning as well that prepares me for the day.
>>488971564What a bad faith little kike you are, you must be bad faith because nobody is this stupid.
>>488995019Yeah, and doubly so for thinking it's comsoomers who yield power over industry's trends not the other way around...
>>488971564
>>488995011
>>488995330I love it when my internships jump straight to the C suite.
>>488969618Tim hortons coffee where I live in an expensive area is $2. That’s $40 a month and most low wage people make $3500 after tax. Coffee is really a simple pleasure here. Work one overtime shift and you’ve covered your coffee budget and more.
>>488970933I work near minimum wage and live in an expensive city and spend around $1000 a month eating out.
>>488969618Didn't he invest into FTX?
>>488974629But part of the reason I buy coffee is for an excuse to be away from my annoying coworkers for a few minutes.
>>488976185Goddamn that is a nice ass.
>>488969618makes sense to make your own sandwichesI suppose you could save a buck or two filling a thermos with coffee?not exactly national news rant worthy
>>488971564Poor people who work jobs and produce value so rich faggots like Kevin o Leary can be rich deserve as much coffee as they want. >>488995011Yeah, what do rich people get up to? Spending $40,000 to rape a kid slave? Get with the times and stop buying coffee.
>>488969618>drink min 2 cups of coffee each day>for 30 years>been to Starbucks once and never againWhy dont you make your coffee at home or with the machine at your workplace for free?
>>488996198He's telling you to stop buying coffee and avocado toast because he literally said that you should pay for his fuckup by investing into FTX
>>488969618I used to know an extremely cheap, but kinda rich jew. Even he bought 2€ coffee every morning.
>>488993052Switching to tea might help you quit coffee and caffeine altogether.
>>488997631Must've got to pin the ol' weasel good and proper.
>>488992592That sign..notice how none of it involves giving a % of the profits or revenues to anyone.
>>488991883Its more about being actually not stupid vs being responsible. Not even being taught to budget and plan with your money or to have goals --that's not irresponsibility. That is the consequence of negligence in upbringing or education.One of the easiest ways to budget is to get a safe or a small lockbox and some envelops and write the specific thing being saved up for on those each envelop and the goal amount and how much you intend to put in each one every paycheck..and to not touch any of that money except for the intended objective.
>>488998134Yes! Wages themselves are a scam. Profit sharing is the only ethical way to hire in most cases. Solves both the grifting by the owners and gives employees a real incentive for the company to do better, since they benefit automatically.
The one thing I hate more than kikes and women are crochety old men who only complain. There are countless businesses with useless nosey foremen who can't even respond to "Good Morning" without their brains short circuiting because every moment of their existence is centered around making complaints. The company could be making 6 trillion dollars in profit and there will always be a codger adding useless distractions where they aren't needed.
>>488969999coffee is a bad example. he couldve said fancy starbucks sugar milk lattes instead. regular coffee isnt expensive to find
>>488969618>tfw i spend 273 on expensive coffee drinks a monthits all disability money but still. also coffee is actual poison btw. im jut addicted, at least its not heroin?
>>488969618>15k>down paymentWTF are down payments really that low?
>>488971564It's the avacado toast argument. They are trying to cover the fact that shit is expensive by passing the blame on to you. Yeah not eating out is going to save you money but it's never going to be enough money to actually buy a house. Not only that but it's also telling people that they pretty much can't even reap what they sow. It might sound stupid but people aren't robot slaves, they need entertainment and reward. So if they can't afford something like a trip to Disney land then they go for the next thing they can afford, AKA having someone else make them a meal.
>>488969618>let's say you drink two coffees per day, so 4$, let's say 5>5x 365 equal 1825 $ per year, that's 18250 in 10 years, you will be able to put a deposit down in 2-3 decadestotal boomer death
But is coffee good for you?
>>488998803If you're a brownoid in the US you can get a loan with 1% down yes. If youre white expect a decent downpayment to be 100-120k though.
>>488999565But I grind my own beans and I spend now here near $5 a day.
>>488999406Schrödinger's avocado. So worthless it can't be harvested without imported slave labor; so expensive it's preventing millennials and gen z from owning houses.
>>488999565Remember boomers actually believe this: >>488991004
>>488972452If you don't eat, sleep, or drink water you can save even more money. You can even sell your bed.
>>488975116You need to stop posting dude. This is the second time ive read your story. Go get help and fix your life
Just put yourself into a Bene Gesserit suspended animation trance for 30 years bro. I swear kids these days can't even use prana-bindu techniques to internally transmute the seed oils they eat.
>>488969618>just live frugally bro
I appreciate this thread on Kevin. I had completely forgotten he even exists because I don't watch telly, but I'm grateful I was reminded that this fine lad exists.
>>488973216I own my house and I'm in my 30s, but telling guys in their early 20s that they should have been investing 10 years ago is stupid. It's equally stupid to tell people to enjoy zero small luxuries like a meal out when their society is collapsing all around them.But you likely have a MBA and a carefully curated LinkedIn profile, so you are a subhuman that understand nothing outside of corporate slogans
>>488973216> This. And the sooner you can buy real estate the better. It's the ultimate hedge.Just own property bro. Amazing, why didn't everyone think of this?> If you didn't take advantage of the last 10 years, and especially during COVID, I feel sorry for you.Just have a ton of liquidity during a black swan event bro.
>>488969959If you don’t grow your own coffee beans you deserve a bullet to the head.
why has nobody tried to rise up and kill all boomerse and seize their wealth? lets be honest they are selfish and going to spend all their money before they drop dead
>>488984768either>low IQ postor>jew disinfopure caffeine is slightly toxic. You are poisoning your brain. Caffeine in a coffee is good, because it has thousands of additional compounds, some of which act as nutritional co-factors. Coffee has been researched to death, it's not unhealthy and could potentially even benefit longevity as long as you don't overdo it and drink large amounts.For the same reason, decaf should be avoided.
>>488999690>If you're a brownoidhehe, catch ya later /pol/. time to cash in on these diversity points.
>>488969618He's not wrong is he?Coffee £3Samwich £710 X 220 working days = 2200£300 saving each month = 3600£15k / £5800 = 2.5 years 2.5 years for a deposit of 15k
>>488969618basedcut the bloat
