Are you tired of all the winning yet?
>>523305262I have none of those problems.
>>523305262Good. Fuck pay-pig debt-maxxers.
I paid off all my debts within a year of graduating university and haven't acquired any debt since then.
>>523305262Imagine giving loans to niggers…AGAINlol, lmao
>>523305262>CRISIS EXPLODES>MILLIONS DROWNING>FICO SOUNDS ALARMMeanwhile back on planet Earth, it was a good but chilly Wednesday. How are you?
Buzz words and in all caps. Their desperation is getting tiresome.
>>523305262I have zero debt. I don't understand how people try to spend money they don't have. It's retarded.
>>523305262While I do have debt, none of it is in delinquency, so for now, I don't give a shit.
>>5233052622026 will be when the global financial crisis begins
>>523305262boomers don't care the a debit maxing the golden years before they check out
>>523305262I never had any debt since I was born, lithuanians are not retarded.
>>523305262Stock market is going up chuddy
>>523305909Because people relocate for work all the time, move states, need to cover car repairs and if they dont have the cash upfront you have to borrow for it.The US runs on credit and people are dumb to not use credit cards to build credit.
>>523305262They like you to be in debt. That's the system working as planned.
I recommend people starting out working in their professional careers having 2 credit cards minimum, 3 cards is better.
>>5233052622022 wasn't gonna last forever, cunts ;D
And how you build credit the smart way, you use 30 percent or less of your credit line like buying gas for your car and you always make the payments every month.
I will accumulate more debts, not pay them back and watch as /pol/boomers scream about muh debts while I live in Thailand robbing boomers for a living.
Why don't they get a ton of credit and buy BTC then default and wait 7 years? Isn't that what rich people do?
>>523305262Americans work so hard so they can pay rent for their car and houses to the bank which they can't afford and will disintegrate long before the loan is even paid off.Free time and just enjoying life is not a thing because they have to work to sustain the stuff they can't afford.Truly the American dream.
>>523305262I have 600 in debt on cards. I was going to pay it off this month but Christmas. On the 10th of Jan if will be gone. It is not difficult to budget if you don't have a room temperature IQ
>>523309068The hard part is not wanted to buy more shit with them.
>>523308962>Free time and just enjoying life is not a thingwe spend our free time buying shit cause freedom aint free.
>>523309108If you are using them like that. I hit a rough patch and simply needed them for bills and rent for a month. I had not used credit cards for 6 years before that and I intend to pay them out, close the accounts, and cut them up. Having a convenient out financially makes one sloppy with their finances in the long run.
>>523305262/pol/ is always tired of winning, it's why we rage bait with contrarian positions no matter how retarded they get. I can't remember the last time I was wrong that wasn't intentional, what that even feels like...Sometimes I worry I'm becoming less human, then I recall all the stages of clown world decay I've been through and realize it's best not to disrespect myself with such a term as "human"
>>523305262you lost, tranny
>>523305699Fair to middling, it was warm in Boston but it rained all day.
>>523309225That's the problem, you don't have to buy stuff to enjoy life.Consumerism is not a good thing especially if you only buy stuff to show your neighbors or friends all the stuff you can 'afford' while not needing or really wanting it at all.
>>523305262>>523305446Exactly. We are not brown clowns.
>>523305262thank goodness for Klarna for keeping negroes without credit fed
>>523305909>>523306072Actually, as long as you have the cash to cover it, debt is a fantastic inflation or hyperinflation hedge. Oh I have 10k in debt from last year? Good think I can sell a loaf of bread for 100k. This is why I think if there's a crisis the government will pivot hard toward austerity/mass unemployment, not hyperinflation - hyperinflation lets everyone escape the debt trap. Of course in a truly huge crisis the government might try to "reassign" the values of all debts/contracts etc., but at that point things would be so fucked it probably wouldn't matter.
>>523305262>no college debt>no credit card debt>never taken out a loani may not be rich but i'm not in debtthat's what you get for borrowing money from jews
This is why Trump is desperate to have interest rates lowered, inflation be damned. IMO he'll pull the trigger as soon as the supreme court allows him total control over all federal positions, replace the fed board at once with his lackeyes, and go to 1% rates the next day.
>>523309894What you are missing is that the Government is the one with the most debt.Boomers are outjewing the banks, they have mortgages with interest below inflation and government debt.Boomers have unrealized capital gains on their debt, while banks have unrealized capital losses (hence why SVB went bust).
>>523305262>Americans are financially irresponsible and borrow beyond their means. Their game plan heavily rely on a perpetual growing economy and pay to be financially viable.This is a problem that has existed way before Trump.
>>523310308Not quite. Remember that money is created from nothing when banks lend. Banks are making less money on the now-below-market-rate loans then they would on a new loan, but the interest is still pure profit.
>>523305262Considering all the recent events I can see what is about to happen. Let's watch you fail again.
>>523310050You know after like 7 years debt all goes away right ? I think I got about another 3 years to go until it all gets reset. This will be the third time
>>523310736No, the interest is underwater from inflation.Due to the fact that negative interest rates aren't a thing, they can hold to maturity and not take a nominal loss, but they can still take a nominal loss if they are forced to sell early, e.g. what happened to SVB.Even if they hold to maturity, they still take losses from inflation and taxes.
>>523311003Let me tell you a secret. They are more invested in suicide than any other thing, they are aware they lost.
>>523305262If everyone stopped paying their loans, the banks would die.
>>523311124>banks.>die.Retard detected.
>>523312648
