Let's do some simple math, shall we?>make the coveted 100k in VA>after paying the pedophiles, you now make 72k>20k goes to rent, 8k to food, 4k to the car, 5k for fun to not KYS>you have 35k>house costs 400kIT'S FUCKING OVER
>>532372952Inb4 the "just live in Detroit or the middle of a corn field" copers come in.
>>532372952The downpayment under FHA is 3% for first time home buyers. 10% otherwise.So, you have the downpayment in one year if for fun you go to the library instead of playing porn games with that stupid Love sense gadget on your penis. Then you can decide: work for 10 years or buy a cheaper house or pay the jew for 30. Inflation makes it easier to pay the jew in 10 years... Your decision.
>>532372952>economy is fuckedyep. and everyone is already acting like cunts begging to get killed.you pussies ought to suicide
>>532373224You're right bro. It's fucking hopeless. You and Op should just kys.
>>532372952>house costs 400kyou have no idea how good you have it. MEDIAN house here is 1.6 million and median income is 80k
>>532372952People always think communism means rising up the poor at the expense of the rich and then they find out their lower middle class life was the ultra super wealthy on the world stage and its all being redistributed to 3rd worlders so we can all live in shack houses together.
>>532372952Just come to Peru, for only a million dollars you'll get 10 thousand square feet of prime Peruvian land
>>532372952>400kthis isn't 2018. traditional starter homes around me are around 900k. the house I grew up in is 2.1 million (parents paid 120k in 2001). a 1br condo can be had for about 400k but it also comes with another 900-1200/mo in management fees.
>>532374016>but it also comes with another 900-1200/mo in management fees.Why would you buy this
>>532373787In California they cost $3M.Luckily I live in a frigid barren hellhole where you can get a house for only $300K.
>>532373224Those are unironic paid shills with scripted taking points and images
For reference -
>>532374053idk probably just because it's the cheapest shelter.
>>532372952So why didn't you get your parents house?
>4 million births per year>1 million legal immigrants=5 million>3 million deaths>1 million homes built=net negative 1 million homes availableenjoy goyim, we overreproduced now we have to compete
>>532372952this is what happens when you hand over all the work to the Asians
>>532372952Stop eating avocado toast and make a savings account kiddo! Or you could just rob a bank or something idk.
>>532375415>but if we talk about deportations then you're a miga shill
>>532375192He doesnt know.
>>532373515I put the love sense gadget up my ass thank you very much
what i'm hearing is an arrested development faggot who never learned how to live in the system he finds himself subject to. you worry about what you dont deserve and would never have had anyway while the birds of the air worry not at all. you are a failed lifeform and a crab in a bucket.would you like one of hundreds of youtoube vids about building your own shit retard, in some cases even completely free using only the hatchet you brought with you? a demoralization shill usually has a different tone i think you are just a legit tiddy baby bitch nigger toddler faggot who needs a daddy.
>>532375626this is what happens when you hand over all the power to Donald Tusk
>>532372952Bait thread.
>>532372952doesn't help that employers still think $20/hr is a lot to pay people
>>532378668kys
As long as God's chosen people are happy, that's all that matters. Furthermore, you need to pull yourself up by your bootstraps.
>>532372952>20k goes to rent, 8k to food, 4k to the car, 5k for fun to not KYS>you have 35k>house costs 400kThose are actually really good finances. It's much worse in Spain because this is a fucking shithole. Most men are worthless fucking losers here by capitalist countries standards.
>>532372952How about I do nothing instead?
>>532381004>really good financesNow look up average APR on a mortgage and get back to me.
>>532381470I'm not denying you have it bad, even Trump said he is mandating high home prices and will keep making it worse. I'm just saying in Spain the government does even more, charges more taxes for more social services, regulates more, and we're bigger losers.
>>532372952things won't get better without violence. current economy is part of capitalism
>>532381935high home prices are mandated by governments you fucking retard
>>532375192Op is american and most likely millennial his boomer parents probably fuck him over
>>532372952Capitalism.Queue the cope replies to this post.
>>532382046faggot everything costs so much because the rich hoard all the money. the rich already have hundreds of trillions of wealth total
>>532381718>I'm not denying you have it badThe point is with an average APR you cannot buy a house on a sole income with under 165k a year income. That's just to QUALIFY.You need to be making around 200k to really have a shot of leading a good life. But once you reach those income levels the taxes are nearly as fucking retarded as Europe. 60k goes right to Uncle Sam.How many people do you know in their 20s making 200k? >fucking none.And that's the age group that is supposed to be settling down and pumping out (white) babies. Do you see now, anon?
>>532375192Boomers sell their house to Magnum Pi so they can spend that money on NCL cruises.
>>532372952Honestly at this point every day I get begrudgingly more bitter towards my parents and hoping they die sooner so I can sell their house.
>>532382155is it okay if the cope is true? if so here's the first: high home prices are demonstrably and self admittedly mandated by governments, which is directly against free market
>>532382211oh shit guess they should print more money then
>>532382291>And that's the age group that is supposed to be settling down and pumping out (white) babieskek boomers can't have that
>>532374467Kind of crazy how gas prices are the thing that increased the least.
>>532375192Kikes trick old fucks into selling their for retirement money so they can buy a camper van and tour the country side or so they can live in a comfy assisted living home or their pension/social security gets cut and they have to sell their homes to survive. Basically dooming their lineage
>>532382692Well, it is what it is. Jews are always inevitably going to do their thing. The one time someone stood up to them they ended up with entire cities burned to the ground, so...Ideally it shouldn't be like that. But also, ideally, if governments allowed it, homes would be a commodity, not a big problem to afford, let alone a big life changing investment.
>>532382342> ‘Merica That’s so American - everything is transactional, including familial relationships
>>532382408>high home prices are demonstrably and self admittedly mandated by governments, which is directly against free market>let's solve the issues of a free market (privatization) with more privatization Because those prices are set inevitably by the banks. And if they aren't decided entirely by the banks you get shit like Blackrock which grabs up land and homes and monopolizes them under the guise of multiple investment agencies. You can't fix capitalism with a free market because the point of capitalism is hoarding of capital and someone will always be able to hoard more than the others. Land and homes are also capital investments.
>>532375415While homes as an investment was a straight up evil system that never should have been allowed to begin with, you currently have millions upon millions of decent people who never chose this but was still forced into the system for any chance at starting families and attempt to live but a pale imitation of the boomer life arc. If we crash home prices it isn’t boomers who are going to suffer. Their homes are paid for. It’s the millenials and zoomers who are going to have their rates hiked by 15% as banks panic about not getting their moneys worth
>>532372952Try breakfastmaxxing you potatocuck auracel
>>532372952Don’t forget the “disabled veterans” who outnumber people on unemployment 3:1 and collect 5-6x the money.> join army> drive a truck in the desert> leave after doing the job you were paid for> talk to lawyer> get welfare for lifeConservatives don’t want to touch the biggest welfare queens because they’re all in on the grift. These people are absolutely fucking up the economy which is why I’m glad trump ended their bullshit little home loan program.
>>532383316Did you know more than 500 dollars of your taxes annually go to Israel? Want to know how much of your taxes go to welfare and medicare each year? About 10 dollars each for those programs. And we've sunk to the point where we don't even want those few programs to help veterans that were tricked into turning into lunchmeat for zog.
>>532382991I do not want to get stressed due to the frustration of not being able to get most people to understand this. I will give you one last response in order to give you a proper explanation, and I hope you'll get it but I won't respond again regardless (if you understand and still disagree that's ok with me, I just hope you'll get my point).When I say high home prices are dictated by the government, I mean they are set by the government and not the market. So what I said is incompatible with what you said, yet you started your comment with "because", as if both things can be true. ???Anyway... Trump admitted he is mandating high home prices. If you still don't believe it even when he admits it, just look it up and you'll see how in order to build homes, permits and licenses are needed, and it can only be done in land that is designated for homes. They are mandating high prices by limiting supply. Homes could not be prohibitively expensive if they didn't do this, it's basic maths.You argue that the banks are greedy, and blackrock grabs all of them up. So we can't solve that with more privatization! We need the government to help! Ok but if the government is hurting us then removing that problem would be an improvement. Even if you think it's blackrock and the banks, it would still be one less factor making the problem worse.But it's not even actually blackrock and the banks, because they wouldn't be able to do that if the government was not limiting supply. They would lose money by trying, because people would just produce more homes as a result and their hoarded ones would just lose value.This is not only a mathematical fact, but also even if you don't understand that, you can still by common sense, just ask why they hoard homes but not other things people need such as cars and food. So there's clearly something going on. I hope you don't miss the point and respond with something really stupid. I won't respond to this thread again regardless.
>>532383024This is fucking retarded. A market based on robbery by dictating high prices on something that can be made more cheaply, by definition absolutely has to be abolished. For the same reason all robbery ideally should be abolished, but specially this as it makes most people poorer.The banks wouldn't hike rates on their mortgages in order to get more money to make up for it, that's not how it works and it's fucking retarded to think it does.
>>532383930I think you're confused because I wasn't even refuting you. Government and corporations are one and the same in America. Trump is part of the corporate oligarch and you're correct in assuming the government strong arms the prices in order to better themselves and their constituents. It's why insider trading goes unchecked and banks are bailed out whenever they ask. Trump wants America to go back to the gilded age and the monroe doctrine, where states in the western hemisphere did not have sovereignty and were treated like vessels ruled by fascist US backed regimes and our own government was essentially run by the mafia. Where I argued with you was your claim that a free market would fix it. In reality the concept of free market is why we're here now.
>>532372952it's more like>my patents in their 20's>me in my 40's
>>532382875my step-dad tried to charge me as a 14 yo. $200/mo. in rent after I got a summer job
>>532384450ok my bad, sorry, this topic is really frustratingas to the free market. corporations can't strong arm prices. see how amazon has no option but to sell at a loss when a competitor is better. so getting government power, as in the ability to enforce what they want, out, would effectively fix the problems they create
>>532384641I knew Americans in uni where as soon as they turned 18 their parents kicked them out and they had to support themselves. They were studying via student loans Deep down they were broken, sad people (I guess everyone is in that open air Jewish race war prison)
>>532384641They really are awful fuckers
>>532384790So why did you come here for college chink?
>>53237295235k??I make 102k a year and only saved 5k last year. Now its still at 5k. Only luxury i did was buy myself a nice recliner for my back for 700 bucks. That's it. No vacations or nothing. I do ship at sprouts and whole foods, if I ate slop I would probsbly bring at 10k, which is not worth poisoning myself for
>>532384910I feel for you. I make a supposedly very good amount for spain and I'm still struggling. I don't buy luxuries at all.I will try to get a very high paying job by lying and taking normies for the retards they are. It may work. And then I'll still be robbed but get enough money from some chumps to make up for it. If that doesn't work and I'm still single in a while, I'll just leave this shithole. I hope everyone does and the government runs out of money to pay the boomer pensions.
>>532384910If I included more I'd get "avocado toast"-tier boomerposting
>>532384645>see how amazon has no option but to sell at a loss when a competitor is betterActually it's the reverse. There are some examples where Amazon has no choice but this is mostly in regards to sellers outside the west without regulations. Within the unchecked free market of the west Amazon forces sellers to make their prices cheaper on Amazon than on their own store fronts and they are able to do this because Amazon is mostly a monopoly in the digital marketplace. These businesses have to sell on Amazon in order to reach a wider consumer base and make more sales. When they do, part of their contract forces them to list their prices as cheaper on Amazon. In fact Amazon even makes it harder for people to find small business alternatives with biased search results as Amazon works closely with Google. Google ad partners will always try to redirect you to Amazon first instead of a seller's own webpage. Less traffic to those websites means they will eventually need to sell their goods on Amazon and the cycle continues.
>>532384910his rent and food spending is surprisingly low.
>>532373647
>>532374467>average home size in the 1920s: 1000 square foot, no electricity, maybe plumbing>average home size in the modern day: 2500 square feet, 3 baths, 4 bedrooms, garage, and landscaped back and frontyard
>>532372952COLLAPSE
>>532375192Mine are still alive. They've said I'll inherit the house after they're gone. But still, that won't be for another 10-20 years. My dad actually has enough money in savings to buy a house AND to retire comfortably, but he won't. I don't know why. He's at retirement age but still works because I think retirement is like admitting that you're in the last stage of your life. If I were him I wouldn't want to retire either. He'd have nothing to do at home. Just sit in the lounge room and watch some boomerslop show or youtube all day. I don't want him to leave all his money to me though. I want him to spend it and enjoy life as much as he can. I really hope he does that soon, but he's not the type of person to want to go out and spend money. However he has talked about taking my mum on a holiday and visiting our ancestors graves in England. Hope he plans to go somewhere else though because England isn't exactly a good holiday destination at the moment.
>>532391926why?could use that money to start a business or pass it on yourself
>>532372952Live witg your parents, invest smartly and you'll have your home in a few years, dummy.
>>532372952The point that OP should be making is that most Americans aren't as well off as him. 100k is not the median. Much lower than that and you have 0 chance of owning a home, especially if you have a wife and kids.Build your own home? Get out of here. Between building code, zoning laws, HOAs, material costs, and the general risk of 1st-time DIY, this concept is unattainable for most. I will punch the next boomer/millennial faggot that says this in response to the housing crisis. Housing regulations need to be systematically dismantled. Until then it's theoretically possible, but practically infeasible for most people that would like to own a home.The system is beyond saving without government invervention. It can be incentive-based and tax-based , but drastic action needs to occur. It's an intervention to break up an existing monopoly.1. Kick private equity out.2. Discourage mass leasing of residential properties3. Property tax break for first time single family home buyers, for the first 5 years.4. Tax breaks for home sales to first time home buyers.5. Severe tax penalties for individuals or businesses owning over 10 single family homes
>>532391070So why aren't they making smaller homes if no one afford the jewmansion
>>532372952If it's a stable job, can't you just take a mortgage? In 15 years you could easily pay for it. Idk... You can collect those money and go to other countries, it isn't that expensive in there
BUCKO, ITS CALLED MAKING SACRAFICES!! BACK IN MY DAY I HAD TO MOW LAWNS OVER THE SUMMER AND WORK AT MCDONALDS SHIFTS!!!!!!!!! GUESS WHAT, AFTER A FEW YEARS I COULD AFFORD A 20K DOWN PAYMENT TO BUY A STARTER HOME. SO SPOILED, SO ENTITLED, GET A JOB AND STOP COMPLAINING!_____________________________________________U.S. ARMY VETERAN | PROUD FATHER OF 3 | GRANDFATHER OF 5 MARRIED 47 YEARS TO MY BEAUTIFUL WIFE CAROL - STILL GOT IT 2ND AMENDMENT ABSOLUTIST | TRUMP 2024 | BUILD THE WALL FORD DIESEL TRUCK OWNER | LIFETIME NRA MEMBER | HUNTING SINCE AGE 8 "I FOUGHT FOR YOUR FREEDOM SO YOU COULD SAY STUPID THINGS ON THE INTERNET" IF YOU CAN'T STAND BEHIND OUR TROOPS, FEEL FREE TO STAND IN FRONT OF THEM LIBERAL TEARS ARE WHAT KEEP MY LAWN GREEN MOLON LABE | COME AND TAKE IT | DON'T TREAD ON ME
>>532375415Good on ya, bruv! Most millennial dickheads are just waiting for their folks to die. Fucking vultures. Our parents worked hard and they should enjoy their golden years, traveling and whatnot. They shouldn't be denied a fun retirement just because people our age never had those same chances
>>532372952Sounds like you can bank $3000 a month after expenses a few years of saving and you'll have $100k in the bank. Iraninans make like $500 per month and an iphone still costs $2k.
>>532372952oh hey, this izzat thread again where OP proves it doesn't understand how money or mortgages work. I think this is the... hundredth time you rupee-huckers have posted it?
>>532391070>average construction worker in 1920: expensive huwhite male>tools to build with: hammer, saws, elbow grease>average construction worker in the modern day: illegal spic paid less than minimum wage under the table>tools to build with: hydraulic excavators, articulated dump trucks, skid-steer loaders, backhoe loaders, telehandlers, concrete pump trucks, asphalt pavers, cold planers, motor graders with GPS-guided leveling, aerial work platforms (cherry pickers), scissor lifts, rough-terrain cranes, and autonomous site haulers, rotary laser levels, 3D LiDAR scanners, cordless lithium-ion impact drivers, pneumatic nail guns, fuel-cell nailers, Ground Penetrating Radar (GPR), thermal imaging cameras, telescopic forklifts, Robotic Total Stations, Building Information Modeling (BIM) software, and digital moisture meters.Now tell me why with all these tools and modern tech that allow us to build shit 10x faster everything is triple the price (adjusted for inflation), making us 30x less efficient?
