Everyone is fucking broke despite working more than EVER. My neighbor just turned down Friday burgers and beer happy hour (long time tradition) because he's "trying to save money"This is a guy in his 30s with a "good" job and he can't even afford a burger and reduced cost beer to unwind after work. What the FUCK is even the point of working then?America is fast becoming a """""nation""""" of beaten down overworked slaves that won't even be able to afford the gas to go to work soon. You can't even call this a society anymore
>>533766170Her room is such a mess
>>533766170Great ass
The purpose of a system is in the outcome it produces. You are not a citizen of a country, you are an economic unit + fiat debt slave.
>>533766170WOOD BERRY
>>533766170We're all growing apart but we need to come together. What are some beneficial community things we could do? Mutual aid societies? But those would only work with whites.
>>533766170You’re all fucking idiots . I’m going to exploit every dime of labor i can get for White socialist enterprise.
>>533766170He's doing the grown up thing, you aren't supposed to waste your salary on anything but stocks.
>>533766234women are disgusting creaturesthe sexier they look the shittier their apartment looks like
>>533766275Patrol Jewish neighborhoods enforcing Sharia law
I haven't been out to a restaurant since the Covid years - the quality of ingredients has plummeted and the cost has skyrocketed. $20 (plus tip) for a fucking bland cheeseburger
>>533766400> uhm excuse me blondie with the fat ass, no I cannot fuck you, the state of your apartment is appallingFrasier Crane over here.
The worker class is supposed to take public transportation and live with roommates. The problem is people are deluded into thinking they are middle class and trying to chase that standard of living.Middle class was an unintended consequence of WW2 and things are quickly reverting back to normal.
>>533766170>reduced cost beerYou are jewish
>>533766170>My neighbor just turned down Friday burgersMaybe he just doesn't like you because you're insufferable
i have never been richer than i am nowadaysgot laid off last month and could not care lessi just paid 82 euros for a spermogram, just for fun
>>533766443i never said i wouldn’t let her eat my ass out
>>533766170Maybe he thinks you're a secret and you're trying to Cornhole him.You gay?
>>533766443Frasier got a lot of high-society ass
>>533766506Women generally have parasites in their gums.
>>533766428I have only gone to goy slop places when I go out cus is the only places I can afford even tho I know is dog food. I went to eat pho ho the other day cus I was craving some, 25 bucks for a fucking bowl, I almost cried while eating it, there I certain dishes I can't make and that's the of those, good pho can take hours to get the broth right. Fuck this gay world
>>533766278he's still the funniest Marx brother
>>533766487>reverting back to normal.Yeah, we're going back to Lord's and castles while the peasants either submit or starve, get your booster
>>533766754hey, but least the lord's will all be jewish and their castles will be heavily defended by modern weaponry.
>>533766170Nice fartbox
>>533766235/thread
>>533766170poor lil timmy cryin like a lil biatch wile da KANGZ is taking ova diz mofuka!
>>533766235crazy eyes tho
>>533769453eyez fo dat BBC
>>533769383>10s and 20slmao how much is there?
>>533766170It’s bad. I’ve resorted to growing aquatic plants in my basement and selling them on Amazon. I made 74k last year just from that.With my Zog bot pension and rental income (3 homes), I don’t know how I’ll survive.Times are tough.
>>533766170>despite working more than EVERThere's a fundamental flaw in your premise
>>533769641>>533769383 What happens if you type 'anal' in Options rather than sage?
>>533766170>America is fast becoming a "nation" of beaten down overworked slaves BECOMING? It has always been like that. Everybody knows that USA used to be called Slave country where slaves have good food. Now that the food - average fast food - is goyslop poison. And Boomer / FED bank inflation is so high that slaves can't even afford poison goislop. It's just a debt slavery without even decent food.
>>533770065>And Boomer / FED bank inflation is so high that slaves can't even afford poison goislop.
>>533770098>>And Boomer / FED bank inflation is so high that slaves can't even afford poison goislop.Average inflation is 9-10% for 25 YEARS.
I am not broke tyvm.I work hard, and actually do my job unlike some, and have More than enough.Feels good to be able to say Fuck you to work and move along, if I chose to do so.
>>533770132Remember when you posted this yesterday then got embarrassed when you lied about an advanced math degree, admitted that the numbers were much lower than you initially claimed, then said a bunch of lies about the things included in CPI? lel
>>533766244I have no debt either.Also, fuck the system. lol
>>533766235 Are you blek?
>>533770065>>America is fast becoming a "nation" of beaten down overworked slaves>BECOMING?>It has always been like that.When you run 9-10% inflation , that no average worker's raise can overcome. And you make 1000 different taxes so that your tax debt slave runs faster. And you make 1000 different laws and regulations to catch your debt slave into, so that you can make your debt slave feel guilty. Then you make all food sugary / corn syrup poisoned goyslop, not enough time for your debt slaves in a day to figure out that' a poison gloyslop. And then make Healthcare so unaffordable your debt slave has to run around like crazy, and would not have an ability to go to a doctor and fix his health. That's a SLAVE FARM right there.
>>533770262Remember when you got your arse handed to you yestrday? That even basic houses turned out to be, MEDIAN hosues 7x from 1980, and 3.5x from 1990? And if you exclude nigger neighborhoods, Houses went 10x from 1980 and 5x frm 1990?Remember that?
>>533766170If I can’t have this jews won’t have my labour
>>533769589>Bitty Black ClittySo she's a lesbo. Got it.
>>533766487>i-it was always supposed to be like this>just not for meShut the fuck up boomer
>>533766170Gen Z and Alpha are going to bounce the rubble of the old system. They are our (oldfags) only hope now. If GenX and Millennials have to go against the wall in order to affect a massive correction, so be it.
Going to move and retire to Balkans in a nice clean town. Nice food, have a nice garden, all the services I need and call it a day. I want to plant morr onions and garlic, not eat slop shit from mcdicks on fridays, or where you get them.
>>533769383>posts his drug deal profitsHe's a really lousy drug dealer.
>>533770495Yes, those numbers are way lower than the 9-10% you're claiming. Does"getting my ass handed to me" mean that you accidentally made my argument for me? You just btfo yourself. Also, can you tell us why you capitalize all the letters in FED and why you were schizo spamming replies to your own post?
>>533766170I got retired out of the military and the livable wage is like 52000 a year with no taxes
I'm poor but I don't even work so I'm happy
>>533766170I'd dodge wasting my friday evening with a maudlin fucking bitch too.
>>533766170>has 1 friend that misses 1 weekend of fun>it's the end of societywomen are only like this
>>533770745imagine pretending that society is not in total freefall
>>533766234Your world is such a mess
>>533770627No they aren't .I am also claiming CPI (CONSUMER price index), index of consumer goods that went up 9-10% a year. And not houses . Houses went up 5x from 1990. >let me pull up Excel spreadsheet here........ >for you So I just ran Excel spreadsheet, inflation if Home prices went 5x from 1990. It's 5%.
>>533766170That means the system is working.
>>533770801>look outside>see no niggers or jews>goes on the internet>it's all you seeanyway you'll be dead before it does and your own brother will kill you before any of those animals do
>>533766234Her room is not a mess you insane retard freakazoid
>>533766170
>>533766494/thread
>>533770929take meds kike
>>533770262CPI was changed in 1994 It discards things like housing, medical bills, transportation and heavily over weighs things like consumer electronics, food items that are heavily subsidized in productionunemployment is heavily doctored85% of people have become poorer in the US/West in over the past 40 yearsThe top 15% has become insanely rich nothing is trickling down, the rich aren't buying enough domestic product to keep the economy going, so the government just prints money the USD allows it to racketeer so megacorps can make a lot of money which they thing tax into oblivion to fund the government spending
>>533766275>What are some beneficial community things we could do?idk maybe wife swapping
>>533769383That's his entire life savings in his hand right there lol
>>533771071You're incorrect. Go look at the latest CPI weighting and either leave the thread or come back to apologize
>>533766235Spbp
>>533766170I don't work too many hours and I'm able to save money easily, but what bothers me is the idea that tomorrow might be the day where the USD collapses and nobody will take my green leafy paper fiat in exchange for goods/services, effectively bankrupting me and robbing me of hundreds of hours of labor accrued and stored.
>>533770889Oh so houses and cars are actually the MOST affordable things for consumers. Good point
>>533770889Also>excel spreadsheet In math grade school, they didnt teach you how simple exponential growth works?
>>533770801>economy climbing>US becoming resource independent>spics getting deportedWow yea it’s the end for me!!
Oh look a house in my neighborhood is for sa-ACK
>>533771271>believing that shitLMFAO you also believe in fairies and werewolves?
>>533771277Forgot picrel
>>533766170Nobody will be crowned king Arthur for berrying that
>>533770288>I have no debt either.Money itself is debt and any country with a central bank is debt.
>>533766235AND YOU GOT YOUR HEADALL THE WAY UP IT
>>533766547Friendly reminder that Sherry is a lady's name as much as it is a gentleman's drink
>>533771071>CPI is changed, This,>unemployment is heavily doctoredAlso this. >85% of people have become poorer in the US/West in over the past 40 years>The top 15% has become insanely rich Boomers got rich. It's also I think right now top 10% vs 90%. >nothing is trickling down, Correct. It's bullshit. The economy is FLOOD UP. Everything floods up, to the smaller and smaller group of rich oligrachs.>the USD allows it to racketeer so megacorps can make a lot of money the US and FED and stock market allows connected oligarchs and mega corps BORROW Billions of $ , enter pretty much any niche and bankrupt majority of competition there.Including mega corps mass bankrupt small businesses as their competitors. > which they thing tax into oblivion to fund the government spending Mega corps then hide money in offshores, and lobby 200 tax loopholes. mega corps can afford tax people. Who can't afford tax people and get bankrupted by 1000 tax laws, are small businesses. >The oligarchy.
>>533771305Yes because I look at actual results and not /pol/-Iran/CCP propaganda hub. Go ahead and look at US production and native employment rate, I’ll wait.
>>533770940It is if you consider anime and FunkoPops to be trash.
>>533771175>stuff went up 5x during boomers in Gov.>that's most affordable. No. Houses are hoarded by boomers, who then are the largest voting block, and they make US gov to inflate the houses. And that's how you can't afford them. >pull yourself by the bootstraps>and stop eating $5 avocado toast >that'll help you buy $750,000 house.
>>533766170Go on strike. That’s what I have done since the Plandemic. Told everyone and everything to kiss my white ass. You can only be used if you’re useful.
>>533771571That's one way to say youre unemployed
>>533771147Buy gold
>>533771344Cool. Hm, let me think, Nation with a central banks vs not... would I prefer here, or say, nk and iran life! Gee anon, difficult choice.Wtf did you say about my bank?
>>533771243Buddy, excel has all functions that you'd ever need. >except the ones where you need for example, >to pay off extra with your mortgage every monthFree stuff, may save you $200k in interest in the future, On me , enjoy. https://www.drcalculator.com/mortgage/
>>533766428This. Food and groceries are fucking disgusting now. It’s obvious the corporations were given the nod by the banks and their pet governments to rape and kill us as profitably as possible. It’s a Jew induced Culling.
>>533771548yes, that was sarcasm you autist, and you've again made my point for me. You said that housing was rising at 5%, but that CPI should actually have been 9%. Thus, either you are saying that housing is actually rising much more slowly than EVERYTHING else, or that you are completely wrong.
>>533771627If youre still clocking in youre a bigger loser than any NEET ever could be
>>533771428So, what you are saying is that US government aka few old families are going to have to slaughter the oligarchy themselves and make sure People make it to avoid being slaughtered themselves world wide... no bunker is safe by a nation like Chyna?I agree.
>>533771677i use excel every day. I'm saying that it wasn't a necessary tool to see that you were contradicting yourself with the numbers you kept citing. you didn't realize this, then had to use a spreadsheet to figure it out.
>>533766170Name of the slut?
>>533766235Came to post this
>>533771756I "work" from home so I can still live my life and do what I want while making 70k a year playing video games and travelingHave fun being a parasite, I hope trump kicks you off wellfare
>>533771571Based.You know you’re doing the right thing when kikes are seething.
>>533771743The guy who is calculating alternative CPI on the chart I provided,says CPI is 9%.You can see that everything went up 80% during 4 years of Biden. Or you didn't see that? How high is the inflation if everything went up 80% in 4 years? >7% as they lied? More?
>>533766487Roommates are also a post WW2 thing. What you mean is multigenerational / extended family living. That's coming back big time.
>>533771906>wagie seethelmao you love to see it
>>533770505Every man's dream in one picture....
>>533771781K ,When you plan to get a house and a mortgage, play around with that mortgage calculator above. Try entering different monthly pre-payment amounts.>I, for example , paid extra $1000 a month into my principal.Free gift to people who listen: https://www.drcalculator.com/mortgage/
>>533766170>he's "trying to save money"He probably doesn't like you and said that as an excuse
>>533771632>buy goldThis. But bullets and pills.
>>533772091It's true though. I make good money with no debt and I think twice about going to Chipotle these days.
>>533771779Yes. That's why they are hiding real oligarchs behind stocks, LLCs, and various front men and hired CEOs. >they know guillotines are coming.
>>533771936>4 yearsbut that chart isn't only 4 years. And you specifically said 25 years. And new homes and cars didn't go up 80% under biden.
>>533772066i already have a house. there are about 20,000 mortgage calculators available out there, and you can build your own in excel/sheets, like i did. this isn't helpful and you've already outed yourself as a total retard two days in a row. thank you for the advice.
>>533766170iam trying to save 100k to go to SAE and loose my virginity. Its hard.
>>533766170yes its your quiet bolshevik revolutiondespite having guns and constitutional rights to use them to defend your country and nation you just gave up everything to communist jewsand as they said in protocols of the elders of the zion poverty is their weapon
>>533772153There's a CPI chart there that doesn't drop below 8% , goes up to 10%, and basically fluctuates around 9%.For 25 years ; >>533770132Open the chart and look at it.
>>533766170>My neighbor just turned down Friday burgers and beer happy hour (long time tradition) because he's "trying to save money"bro, hes not saving money. he just politely told you to fuck off.
>>533772191>there are about 20,000 mortgage calculators available out there,Not one allows to enter monthly prepayments.Now, enter $1000 monthly prepayment, and see what happens to total interest paid. >if you already have a paid off house >then ignore this.
>>533771383nice of them to send a second drone for the mercy kill
>>533771448what's it like being a total fucking retard?
>>533772333>Not one allows to enter monthly prepayments.yes there are, dipshit. and again, you don't need someone else to build this for you. should've learned that in grad school, no?
>>533766170funny to think how worse it will getdown to 2 thingsBibi maintaining conflict so he doesnt die in jail, he is finished if his cancer comes back and he is in prisonTrump trying to secure a quick victory for votes/popularityOne of the most idiotic decisions made in history and its down to 2 old men, one with cancer and the other a reality show star trying to be cleverWe kind off deserve it now that I think about it
>>533772236>cites a chart that i already mocked as obviously wrong and you've accidentally been demonstrating for multiple days
>>533766170Whole 1st world is becoming like that. And US and your jews are the root of all these problems. Jews failed with USSR, and now they are failing with USA and the Western nations. Anything a Jew touches is going to rot.
>>533771498They worth more than you are
>>533772407Went to grad school not in USA.>we didn't study interest , mortgages, >and that mortgages are all front-loaded .>and you pay interest first.
>>533766170>won't even be able to afford the gas to go to work soon.I already cant. Especially the other month when gas was $5 a gallon.I had to call in sick so I didnt have to buy gas one week.
>>533772558ah you were in some mud hut where they don't teach you about exponential functions or how to use a computer
>>533772407>>533772558>and that mortgages are all front-loaded .>and you pay interest first.Now, if your morgage is claimed to be 6%, and an average american moves every 7 years. >or refinances every 7 years. What actually happens to the interest that he keeps paying to a bank?
>>533766487t. Jeet
>>533772608Hang yourself little low iq retarded tranny. Your math schools and colleges hire teachers where I went to college.
>>533772693my mortgage rate is much lower than 6%, and by your own admission, stocks and other assets are appreciating much more quickly than that. so it would be stupid to use excess capital to reduce the mortgage balance, outside of certain times
>>533772734lel you're really boilin now. i can tell that you had great professors because you don't understand basic compounding growth functions. and you still don't understand them after being told explicitly about them a few dozen times.
>>533771632>Buy goldi can't believe people are STILL falling for this meme. of the grand scheme to extract your wealth this is the very tip of the pyramid.
It actually is fucked up. There's a lot of increases that people just dont account for. I make far more money now than I was making before but stuff like utilities just eats into it. Insurance. Property taxes.
>>533772767Here you go , low iq moron. ALL mortgages are FRONT-Loaded. You only pay 6% or whatever the jew banker claims is your interest in 2 situations: 1. You stay in your house for 30 years2. You don't refinanceWhen you move (to another house), or refinance , your mortgage interest gets reset. You start paying MOSTLY INTEREST yet again. >because, as i said , all mortgages are front loaded. If your interest is 3%- 3.5% then it's irrelevant, really, but still a good thing to know.
>>533772693If I have 50k remaining on my mortgage, should I liquidate my bitcoin and pay off my mortgage vs holding the bitcoin? ~1200/mo mtg pyment
>>533766170You voted for this
>>533771383Jesus man, they just stand there and wait to be killed
>>533772137They can't hide though you see... the big cheese behind them is going to guillotine them.
>>533773017Anon, it's up to you: >>533773004A mortgage on a house is a risk .If you calculate your risk... some people are risky , some risk averse. If you like risk and like gambling then play the stock market. If you are risk averse, don't have friends who can help you with stocks etc. Then consider paying your house off.Or for instance, if you lost or about to lose your job, and have a house payments etc. consider paying it off . There are different scenarios , most of them include your personal situation, and how risky or risk averse are you.
>>533766170everyone is fucking broke, because everyone loves to consoom garbageback in the day the only thing you wou'd waste your money on was your family, food, car and other basic things, now compare average person's expenses and you'll quickly find out where all their money goesand im saying it from experience
>>533766170I mean I'm making it off a 45k salary ore taxes and investing ~15k a year.Must be a skill issue. Have you tried taking the bus and living with someone?
@533773242@533773134>no one responded to my ragebait so let me try again even more obnoxiouslylol
>>533766235that's just a bone.she does anterior pelvic thing to fake ass
>>533773017I wouldn't. Iran is squeezing the dollar, so the jewish dollar will continue to be debased and your payments will mean less and less. hold the BTC.
>>533771079my wife is mine only
>>533773434ur being selfish anon. what else do you have to offer
>>533769383Did he cash in his one paycheck or something?
>>533773232The irony of your post is that all of those basic necessities have become increasingly more expensive on top of additional cost that are more or less required to actually function in society.Gas, Electricity, Internet, Phone, Rent/Mortgage, Tax's the list goes on. While the price of a TV + Netflix subscription is fucking pennies in comparison. One time purchase of a 2K computer can provide endless entertainment for a decade. Books are fucking free nowadays.I'm not denying that there are people out there spending way outside their means, but let's be real the cost of living in the western world has become unsustainable and is quickly on pace to become third world.
>>533766170restaraunteers are fucked, eating out is too expensive now, learn to cook or you will be malnourished.after you cook the same meal 10 times, you will become a better cook. i am basically a chef now after cooking for myself for years.
>>533766170>Funko Pops>Studio Ghibli >Star WarsAnother ewhore into the most generic normie shit imaginable just to snag as many simps as possible. Where's her Pokemon plushies?
>>533773756it's shitty, the cost of necessities have skyrocketed and the costs of shit like tv's and electronics have come way down. Our rulers use that to tell us everything is just fine which is of course a lie, nobody truly "needs" a new tv but they do need food, shelter and utilities. This is actually inverted from the third world, there necessities are inexpensive and non-necessities more costly. Mainly because their labor and overhead costs are so much lower, I just saw some dude on youtube living in Da Nang vietnam in a hotel for like $300 a month, eating out every day, $6 massages. That's actual luxury, watching propagandaslop on a big screen tv (that spies on you) is not.
>>533766170Yes correct we are all slaves and should never have designed our civilization to revolve around money.There's nothing you can do about it but hopefully in a few years AI robots will create an abundance of wealth for everyone so we have that to look forward to.If we can just keep these retarded freaks in power from nuking the planet then I think at least it will be better for our children and they wont have to slave as much.
>nigger babble in thread subject line>no triple parentheses, quotations used instead>doomer black pill contentYeah, youre a lying, glownigger kike spreading more divisive bullshit. I hope all you trannies at Eglin just neck yourselves already. Also, herbals applied.
>>533773612Lot of broke people do this. Grocery stores do it, and there's special businesses for it in hoods. If you don't have a bank account, you bring them your check and they pay you in cash, taking like 10% of it. Not sure how difficult these businesses are to set up, but could be lucrative. Problem is you're dealing entirely with desperate people and they know you have cash on hand.
>>533766403>>533766488>>533769383>>533769665>>533770505>>533770929>>533773101>>533772230SPLC post
>>533766170she's going to hit the wall super hard.fat girls look like that, they just don't know they're fat yet.
>>533774175the way to do it would be some phone app. They scan their check on it and then they get a virtual atm / debit card with the money. That would keep you out of the robbed at gunpoint scenario which I agree would be inevitable with one of these stores. Even the most ghetto people have smart phones
>>533773505I can cook really well
>>533773969That's only true when you have money and migrate.However the primary problem is that due to irregular and uncontrolled migration population no longer increases at a natural and predictable rate. You no longer have 18+ years to prepare for the next generation. Population spikes are now completely unpredictable because we don't even know who the fuck is in the country anymore.
>>533771123No he's right.
>>533766487Unironically true.The whole reason things seem so fucked now in America is that for the past 80 years we were functioning with a working class allowed to simply larp as middle class.This is why everything is geared towards owning a suburban home and car for your wife and 2.5 kids because for a long time that was actually doable for a working man. Now that people are being completely priced out of that lifestyle and forced back into being truly working class, they are realizing that the infrastructure to actually survive as a member of the working class, taking public transit, living in cheap city apartments, relying on a tight knit local community for support and leisure, etc., has been completely gutted because for a long time that shit was just for poorfags and nigs anyways.So we are stuck in a situation where even those with a "good job" are paying increasingly more to just achieve what was essentially the bare minimum a few decades ago because the alternative is basically just an existence designed to be miserable.
>>533766170and then you mfuggas will call me poorwhich is not wrongbut you're all fucked and get what you fucking deserve
>>533766170>9 pbtid 'everything is cooked'Here is why : >>533773452>>533773452>>533773452>>533773452>>773452
>>533773004none of what you said was relevant to my response, dummy. You're still not grasping that my post was about the borrowing cost vs. the opportunity cost on every marginal dollar allocated one place or another.
>>533771123KYS
Zoomers:>I'm brokeAlso Zoomers:>buys every single new gadget and goes out to expensive bars every single weekend
>>533774882Conspicuous anger and lack of response when confronted with simple, basic facts on the topic
>>533766487The middle class is also one of the best things we ever did. Huge for ingenuity, social stability, birth rates, economics, on and on. The country was so much stronger and happier with a solid middle class. There was no reason it HAD to collapse, it's not better that it collapsed, it was forced to collapse by greedy upper crust fucks and resentful Jews.
>>533774621>That's only true when you have money and migrate.I don't think it is. The local population eats out frequently in these countries. It is not fancy or fine dining but it is home cooked. They have time off and vacations. I know, I've traveled around central america and talked to people. Yes if you are at the absolute bottom rung it sucks, but it sucks anywhere if you are that. For a lot of things it's better to be middle class in one of these other countries. There is more risk of a real coup or political or banking instability though.
>>533774967Regardless ... KYS.
>>533775145I'll take your word for it. I'd assume the quality of life would be awful, but that's probably propaganda.I'd assume a major contributor to that is the outflow of wealth from foreigner's back to their home country. We know places like India are becoming more prosperous largely from their people taking over the American tech industry and slowly funnelling the industry to India. To the point where Indian's working tech in India have a much higher quality of life than US tech workers.
>>533774646he's verifiably and unequivocallly not
>>533766547>Frasier got a lot of high-society assI'm never feeling down about my Frazier Crane hairline ever again, holy shit.https://www.gettyimages.com/photos/kelsey-grammer-and-children
>>533769383is 550$ a lot of money to you?i spent more than that at the vet to find out my cat needed different food.
>>533773004I'm really having a hard time imagining how you think interest works. Interest is "front-loaded" only in that when you charge interest on a larger principal balance, there's more interest. The loan will be amortized so that all the interest and at least some principal is paid every single time the loan is paid. So at first the payments will be mostly interest because a large loan balance produces a lot of interest, but as the principle decreases and the payment stays the same, less and less of the payment will be interest. There's no magic moment of "reset" though. If you've been paying a $300k mortgage for ten years and gotten it down to a $230k principal balance, if you were to refinance to a 20 year mortgage with a lower rate, no progress would be lost. You'd still be set to be paid off after 30 years, 10 years on the first mortgage and 20 after the refi. But if you refinanced to another 30 year mortgage you would be paying mostly interest again, because you'd be extending ten years to make it an effective 40 year mortgage and the payments would still be amortized to get you down to zero at the end of the newly extended 30 year mortgage. The payment would be less, attacking less principal each payment, and resulting in more interest overall. It's not refinancing or moving that changes whether you're paying mostly interest, it's the amortization schedule; the amount of the payment and when it's scheduled to bring you to $0. I swear this shit must all come from 20 year old road workers who think Jews are omnipotent and that any agreement you sign with a bank just means they get to do whatever they want. It's total financial illiteracy matched with 1000% confidence. The kind of guys who won't open bank accounts because they overdrafted once and didn't understand they were in the wrong.
>>533773846>restaraunteers are fucked, eating out is too expensive nowYep, a lot of companies are going bankrupt now because people literally can't afford to go out anymore.
>>533775703>I'd assume the quality of life would be awful, but that's probably propaganda.A lot of it is personal preference. There are people who legitimately like the modern western lifestyle, digital everything, streaming, hustle n bustle, "diversity". If you like that and have some FAGMAN job with stock options and can insulate yourself from the problems life is probably pretty decent in west, America especially. But if you enjoy the little human experiences in life and don't need the latest gadgets and clothes and other consumer shit I think these other countries are nowhere near as bad as we are told they are. The fact is America is corrupt as shit, the difference is in these other countries the little people can be a little corrupt too, in America corruption is only allowed for the wealthy. Remittances have more impact in some than others, mexico and central america probably some of the highest. It's interesting in central america, much of the population is familiar with the USA, many have lived here. With the latinization of the USA it actually doesn't feel all that different there in some ways. But in others it does, it has a very frontier feel to it, lots of wide open space still. You wouldn't think so by looking at a map but the maps are deceiving.
>>533766170Shows thot with tons of useless novelty. Complains about money.
>>533766170Or he doesn’t want to hang out with you and is looking for a laughable excuse.
>>533771147>hundreds of hours of labormfer do you work 10 hrs a week?
>>533776126>It's not refinancing or moving that changes whether you're paying mostly interest, it's the amortization schedulethose are the things that change the amortization schedule>The kind of guys who won't open bank accounts because they overdrafted once and didn't understand they were in the wrong.remember when banks were caught re-ordering transactions to ensure overdrafts? Pepe farms remembers. You sound like you work in banking, finance or real estate, those are the only people who defend it
>>533766170You just know she takes massive shits
>>533771147maybe acquire assets instead of cash
>>533766487Not people, women. They want to work, have college degree and doctorate and somehow find a man that has more than that. Mathematically impossible.
>>533766487>worker class>implying middle class doesn’t have to work>he thinks public transport is available everywhere or somehow freeRabbi your nose is showing
>>533772402>has a recent all time peak>hah this’ll show himIQ check?
>>533776674>or somehow freePublic transport here is $0.50 per trip no matter how many zones you cross. Really useful for the train.
>>533773017See what I posted here, >>533773188And this. Go to that mortage calc I posted; https://www.drcalculator.com/mortgage/ Enter over there : 1. What is your interest rate. 2. What's your total mortage3. How many years you are already paying -- enter this, Get the Total Paid, and Total Interest. Consider how much total amount , and how much interest you are going to pay at the end. >if you are closer to the end, say less than 10 years left, >then maybe it's not relevant>if you are less than 10 years in, then you are basically mostly paying interest. Look at TOTAL PAY and TOTAL INTEREST , this will give you an idea how much total amt and interest you are left to pay.
>>533776126>. The loan will be amortized soWhich means mortgages are Front-loaded. You are paying mostly interest first. Your first payment will be 95% interest 5% principal. 15 th year payment 50% interest, 50% principal.30 th year, payment 95% principal (into your house), 5% interest. If you refinance, or move (and get another house with a mortgage), your mortgage is get reset to year 1. You are paying 95% interest again . This is approximate, of course, to illustrate the point.
>>533776997>heh heh I meant how it was doing, not how it is doing. boy you really got metake this BS to /ptg/
>>533773356yeah but women's pelvises just kinda do that, their spine is in front of where their femurs come out
>>533766170Just pick yourself up by your velcro boots
>>533769383this is like half of what I spend in the grocery store in a single trip with a large family. It's sad that the picture is old enough where that would have been a decent amount of money at one point.
>>533772554lmao fucking reddit faggot
>>533766170Hahaha dude. I went on a long bike ride on Saturday. Afterwards, I went to a bar and got a big 20 wing order, fries and two beers. It was FIFTY SEVEN FUCKING DOLLARS BEFORE TIP!!!!!!!!!
>>533766275Replace headgaskets together
>>533777471>a 3 month swing off an all time high means society is falling apartYeah nah you’re just a faggot. Enjoy the loss.
>>533771147>muh labor>muh hard workThis is the mindset of a slave with a stress addiction; matter moving matter, and then when attempting to move matter with matter doesn’t produce the preconceived notion of the result it should produce, then victim-hood takes root. You “work hard”, and then when you’re raked over the coals with taxes, socialist government policies are the problem and victim-hood sets in; or the reverse in that the job doesn’t pay enough, and so now you’re a victim of capitalism and corporate exploitation. “Hard work” in practice is just entitlement over being greedy and refusing to change. If you “worked hard” and put in all of your effort, energy, and essence into a task.. it does not guarantee that more will be accrued from it as a result, only that you’ve expended yourself in the process. To make bread, grain is ground into flour, laden with yeast, kneaded, and then baked; by no effort of repeatedly slamming the grain upon the grinder with more exertion will the task be completed better, only if just enough force is placed upon the grain to where it is sufficiently ground will the task be of any assistance. Working “harder” doesn’t produce anything, only working efficiently does. So if the object is to accrue wealth, only by involving yourself in activities that directly transfer money will produce this result.
>>533766170>Everyone is fucking broke despite working more than EVER.I kinda evaded that with a military contract. I know /pol/ shits on the zog, but I actually go out to do things with friends, and those opportunities are secured for four more years.I foresee that we're going to party like it's 1920 again, and people have no idea what the 1930s hangovers will look like. No one seems to believe me on this timeline, so I'll just drop it here for anyone interested. Someone was kind enough to do it for me in November 2018 by leaking virological exfil to PRC on this very board and I bought 20k N95 masks. I got yelled at for being a hoarder, but I left to zog it out for four years in 2019. The family suddenly found them very useful in 2020, and got a heroes' welcome by 2024 by the extended family because they mailed the surplus when they needed it most.I digress. I get nostalgic for predictive analysis.The 2020s decade is defined by instability, with surging boom and bust cycles that destroy the idea of settling down. People anchor themselves to trends and then get left behind a year later. Stability, even if it does not pay well, is what defines who gets the opportunity to grow like the Silent Generation and Baby Boomers in the 2030s. If your money and time is spoken for before it even exists, you have no headroom to grow and develop.The 2030s decade will be defined by those who kept trying to use risk to get ahead when they should've sought out shelter and stability. This is when the consequences bear fruit. People lose their prime years, their growth years, or their retirement years depending on the generation. Either way, it's a massive amount of collateral damage. Collateral damage at this scale causes massive deflationary pressure, which anyone who has surplus will "buy the dip" so to speak.But either way, reward yourself if you do have some surplus. For me, it's mochi donuts. They are expensive, but 10 years ago, I couldn't even afford the dollar menu.
>>533778023I never said society was falling apart. You made an incorrect claim and now can't live it down, hilarious. stupid bitch
>>533766234It's those funkopops. Can't take anyone seriously who owns even one of those "reddit: the toy" memes.
>>533769383Thank you, for that. Gave me a hearty chuckle. >>533770262You sir, are simply ignorant to the literature. Let me break it down for you. Half of the population makes 25$ dollars an hour, or less. That is simply, not enough money to survive off of. So you have to live with roommates just to survive, not to accomplish financial goals, but just to live. Your purpose becomes survival, you are not allowed to even contribute to the system because your purpose is paying off debt and paying more money so that corporations can continue an upward trajectory in quarterly earnings, and so that investments always provide a return. That is your purpose. You are barely even a consumer at this point. 26% of homebuyers last year in the U.S paid in full, without having to use someone else's money. The majority of them on vacation homes. That's right, fucking vacation homes. This also generally lines up with the statistic that around 25-30% of the population is making enough money to be economically comfortable and even buy the things that they want not just the things that they need. Something along the lines of 70% of the population must pool resources together in order to be economically stable, above the red lines. This system is based on people having good enough credit to keep the engine going, it's a fake debt based economy which is formatted around the idea of future speculative investing, and loans for cars and homes are in fact speculative investments. 60% struggling / survival / limited upward mobility15–20% “stable but tight” (some savings, limited wants)20–25% comfortableIf you narrow it further to true freedom (low stress, strong savings, high discretionary spending), it’s probably closer to:~10–15% of adultsYou just can't have a functional economy like this. It is destined for failure.
>>533769383Why are niggers always like this?I have total nigger fatique just by looking at that nigger
>>533778803you responded to me but it doesn't appear that your response has any bearing on my post. and you are also structuring your posts like the other low IQ schizo to whom I originally responded. I must conclude that you are either both bots that are either very flawed or designed to muddy the waters on this topic purposefully, or that you're just a dumbass samefagging and covering his tracks poorly.
>>533766547Frasier was the original bad luck Chad
>>533777675dumb nigger
>>533770288Fiat is debt. If this is lost on you then we are done here.
>>533771310Sorry but >>533778977Said that doesn’t exist
>>533766170>everyoneSpeak for yourself loser. Women are living it up, have you even been outside at all? Most normies are having the time of their lives but women are truly on a high note lately, they are experiencing a golden age right now.
>>533766234shut up kike
>>533766170totally with you on this, but what with the lust provoking pic
>>533778157That's a lot of words to say "work for free".>>533776424Namefags get out
>>533766170sounds like your friend is going to make it to the next stage of our evolution. You will not.Be more like your friend, cuck.
>>533766170Evan? Is that you? Bro I was lying I'm not really broke, you're just a faggot and I don't want to hang out with you anymore. Also, you're fat and you fucking stink, nobody tells you this to your face but I guess here is as good a place as any. Bro, take a fucking shower and stop stuffing your face with cheeseburgers and beer.
>>533778186Not shitting on your predictions, but if you were in the military 2020-2022 there is a 100% chance you got jabbed or other than honorably discharged for not taking the jab.So the fact you stayed in meant that you succumbed to peer pressure so they could experiment on you.And for what?You had the good sense to browse this board pre-pandemic and get the heads up that the jews were about to pull a world-wide psyop and instead of avoiding the jab and the mask, you stockpiled N95s? Nigger are you fucking serious? Pic rel.To be clear, this isn't me shitting on your choice to join the military, it's me shitting on your retarded choice to accept a lie and totally ignore the forest for the trees.There is genuinely no saving some people. You are doomed to be a hylic. Ironically, I say this as a current military member. Atleast I avoided the jab and will never have to take it.
>>533779451where did I say that?
>>533779834kek based
>>533766234Your soul is such a mess
>>533771498>>533772554I thought Funko Pops were for balding bearded bespectacled men that never get laid only.What is a fuckworthy bitch doing collecting them when she's supposed to be spending all her money on shoes shoes shoes, bras bras, panties panties panties dresses iPhone and purses purse purses?? Oh and makeup too. Lots and lots of makeup. $500 here, $1700 there...makeup...
>>533779612Actually women are desperate losers. My 35yo cousin is beautiful and intelligent very high IQ, she just finished med school, her bf of 5 years broke up with her and she just spent 30k freezing her eggs. Lmao. What a retard. Shes never having kids. Life fucked. Meanwhile my family grows as do the blessing God gives me. Women look at my wife with jealousy, we were at waiting in line at Costco on Sunday and all the women were looking at me lustfully, my beautiful kids and wife, I gave my wife a kiss (she had given me a great blowjob that morning) and man you should have seen the jealousy and despair in all these women's faces. Women are not okay, they never were. Women are fundamentally unhappy because their bodies are in constant revolt, their emotions are chaotic, women can only be truly happy with a man like me in charge of them
