If you have basic financial literacy then you have NO excuse for not owning a house
>>535396321GUYS
>>535396321>starve yourself for 10 years and then you'll be able to buy a home with the prices of 20 years ago
>>535396321
>>535396321Just more kike strawmen to distract from the fact they have stolen $20T from the US taxpayers over the course of 40 years
>>535396462It's funny that the entire purpose of media now is to prevent any assessment of reality in any reasonable capacity
>>535396321i mean i unironically believe this. zoomers spend thousands of dollars every month on ubereats, gacha games, subs and donations to e-girls, expensive consumerist slop like figures and merch etc etc and then complain about how they have no money. nigga you chose not to have any money, fucking retard
I can't save anything, all my expenses are already below UN rated "survivability" levels, at the end of the month im in red by around 50-300 euros while working full time and renting the cheapest apartment in existence.Unironically I would save money by quitting my job and being a NEET @ my parents
>>535396321>230k home
>>535396321>just dont eat lunch for 5 years to save up for a down payment on a house that isn't on the market at that price anywhere in the country, goy!!
>>535396321Boomers are so fucking out of touch and retarded they think $26 is like this outrageous number for lunch and not just the cost of a meal at the average fast food restaurant in the city. Also the way inflation is going in 10 years 94k might be enough for a down payment on an economy car lmfao.
>>535396321Valid argument. The fact that you can't take the L because it's not fair or whatever entitled bullshit doesn't mean you can't do it. You choose not to. I hate all you faggots who think you just deserve shit for no reason. You will never have anything and it will always be your fault.
>>535397690and you'll always be a nigger incel who no women will ever take seriously, shitskin faggot. fuck you and your whole god damn race. you look like my latest bowl of diarrhea you fucking retard.
>>535396797>Boomers are so fucking out of touch and retarded they think $26 is like this outrageous number for lunch and not just the cost of a meal at the average fast food restaurant in the city.They're living in another world anon. My granddad was utterly flabbergasted when I told him that $390k for a house is a good deal. He bought them home he's living in for $55k
>>535396321That is not taking into account compound interest. If you saved $26/day and at the end of each month deposited the savings into a compound interest savings account at 5% interest then after 5 years you would have $54,739.>>535396733>>535396797>go to supermarket>buy loaf of wholemeal bread - $3>buy large jar of mayonnaise - $4.50>buy large pack of sliced cheese - $4.40>buy a lettuce - $2.90>buy pack of double smoked sliced ham - $3.70>buy pack of sliced turkey - $3.20>buy half a dozen bananas - $4Total = $25.70 - lunch for 8 or 9 work days for less than $26. It's very doable. If your spending $25 to $30 for lunch at fast food places in the city every day and complaining that everything is expensive and you can't save then you're a literal retard.
>>535396446Eating a ham and cheese sandwich you made at home and brought to work is not starving yourself. That's actually normal. Eating a $30 2,300 calorie Chipotle meal every day makes you a glutton and a retard though.
>>535397898This, my aunt didnt want to belive that homes in her area are in the 450k range until I pulled up zillow and shower her. Boomers are completely clueless.
>>535396321When my parents were younger they bought a 3,000 square foot house for $100,000. That was just 1990.That same 3,000 square foot house is over $700,000 now. It's not inflation. It's a punishment.In order to buy a house in Canada you have to make nearly $200,000 or else they won't even let you qualify for a loan. And that's just to buy an average house which is around $575,000. They don't want people to own homes. They want you to rent for the rest of your life. They want you to have nothing. They don't want you to build equity. A person with equity is not a person they can control.And now Canada's looking to get the tax and capital gains from your primary residence sale.
>>535396321>$230k houseYeah just work hard for 5 years so you can buy a trailer in niggertown, goy! Get gud with money!
>>535396321>$230k home Kekku
>>535398071Yeah they aren't just out of touch they live in a different world. Makes me think of nobles being forced to walk around the poor parts of town and being unable to process what they're seeing. They literally cannot fathom a house being over $100k. Heck I bought for $320k back in 2016 and I could easily sell it for $700k now. My grandfather was like "you couldn't sell this house for almost a million dollars! That's what a mansion costs!" Clueless fucking idiots.
>>535398001This. Since when did going out at lunch to buy fast food every day become normal? Sandwich, a few cracker biscuits and cheese, an apple or banana and a bottle of water. Bring lunch from home and it will cost you $3.75/day instead of $28.
>>535396321>Its the individuals fault this systemic problem existsComplaining about $5/gal gas? Uhhh just ride a bike sweety. You are not entitled to drive a car to work.
>>535397993>compound interest savings account at 5% interestWhat bank? Even credit unions only give out 3-4% and that's only on balances over $10k.
>>535396321You still don't own it tho, the bank does. All you really do is fluffing the borked system if you are successful in paying it off, then you still don't own it because gov takes its cut and makes it stupidly higher compared to what prop tax is in the rest of the world(many still have better healthcare and roads). At worst you are just another sacrifice because they bail the banks out instead of gov having them lock their losses. They should give you the offer to buy the debt discounted first when the banks fuck up.
>>535396321>$28 lunchI've never paid $28 for lunch in my entire life. I've never even cracked $15.
They're just totally disingenuous at this point. They do not care. They're glad their own progeny are priced out. Boomers still think they're 45 and they view their kids as 12 forever. Everyone is developmentally arrested. Millennials think they're still teenagers and act like it and gen Z and gen A are eternal children because of it.
In just another thread today where the bitch fell down a manhole and had a million $ house all the feds and richies were saying how a $1 million house is normal and middle class.>just wait 10 years of pinching and saving to may put a down payment on homes we promise we won't raise home prices in that timeOh waithttps://www.nytimes.com/2026/02/04/business/trump-housing-prices-affordability-real-estate.html>Feb 4, 2026 — “I don't want to drive housing prices down,” he said. “I want to drive housing prices up for people that own their homes.”So in 10 years when you've finally scraped and saved and spent your best years being a loser not going anywhere or doing anything getting passed up in the sexual market value you finally have your $100,000 down payment and houses will have tripled again and they'll tell you just save for another 30 years or get a 50 year mortgage>inb4 but it's a PBS link so it's poopy and I dismiss ithttps://www.npr.org/2025/11/12/nx-s1-5604384/50-year-mortgage-trump-housing-explainer>Nov 12, 2025 — "Total interest on the 50-year loan would amount to $816,396 compared to $438,156 on the 30-year loan, a difference of $378,240,"Oh that's for a $400,000 house btw. You were already paying double the price for the house now you'll pay triple because Trump is a zionist boomer jew worshiper.Zoom zoomz who jump off that treadmill are infinitely smarter then my generation that went down the garden path of lies and spent out best years slaves to Kikesteinbergowitz like I have. Only to get rugpulled and have nothing to show for it.
>$230k homeCan’t even buy you a literal cuck shed in the hood
>>535398383>let's eat like we are in poverty on a decent paying job just to afford some shit 60 year old house with a 30 year mortgage
>>535396423I like how there's some Canadian piece of shit boomer just dogpiling the states along with the rest of those ghouls.
>>535398605>They're glad their own progeny are priced out.Boomers never stopped competing with their sons in the sexual market. Even into their 60s and beyond. If you haven't checked it out Generation of Sociopaths: How The Baby Boomers Betrayed America has a lot of data. We all know about the boomer menace but that guy really lays it all out.
>230k homelol, lmao
>>535396321>save for years eating the same exact shitty sandwich everyday to afford a 200k run down shit hole in the ghetto with a leaking roof and no AC unit.>your welcome! Sincerely, Boomers
When the game is rigged the only winning move is not to play.
>>535398440Ok so $26/ day at 0% interest means you can save $10,000 in about 1 year and 1 month. Then deposit $10k into the 4% compound interest account and deposit the monthly saving for 5 more years (total of 6 years) and you would have $64,586. Even at 3% interest you're still going to come out better off than blowing $26/day to buy goyslop of jeets.
>>535396321funny how those prices don't account for inflation or home prices skyrocketing
>>535396321>bro just save $700 a month at 18
>>535398794>Generation of Sociopaths: How The Baby Boomers Betrayed AmericaHonest to God it's up there with a History if Central Banking. One of the greater books ever written.
>>5353984404% or more on any balance is possible with a Schwab or Vanguard money market mutual fund. The downside is that if you actually convert it to cash then any gains get taxed, and it takes more than 24 hours to turn into liquid cash unless it’s the weekend, in which case it won’t settle until Monday. >taxI always found it ironic that money that is essentially conjured from nothing using Jewish sorcery is subjected to the Jewish government protection racket fee.
>>535396321Very true. For many people, especially millenials, not owning a home was entirely self-imposed.
Just quit drinking coffee goy and you’ll be able to purchase a house.
>>535396321Boomers are playing a very dangerous game when young people simply leave WEIMERICA
This shit is retarded logic.There's a massive disparity in housing costs. Many people are struggling to get by... Rent in my area is 2200-2500. My mortgage from 15+ years ago is $1000. So think about that. I'm paying $1000 a month but anyone else that wants to come into my area is paying 2-2.5 times what I'm paying. And it's not going down. Wages I don't think have truly increased that much. How does a person save money if they're barely getting by and paying $2-3k for rent? If Trump wasn't getting dragged around by israel, I was hopeful he would perhaps take the housing a step further and seize foreign owned homes and prevent foreigners from parking their money in our real estate market.
>>535398875now add inflation and it isn't worth it at all
>>535398001ironically this is something i miss from working in a grocery storedidn't even have to prepare lunch beforehand.break rolls around, and just grab some cheap 1-2$ thing of whatever you felt like that day
>>535396460That dude is a canadian. Why in the fuck would you care what a canadian says?
>>535398969If you do away with everything maybe you'll have a house goy, too bad you're competing against 25 stinky men in a basement.
>>535398695>>let's eat like we are in povertyEating a sandwich that you made at home isn't eating like you are in poverty you stupid idiot. This is why people like you end up being 45 years old and flat broke with nothing to show for your life.
>>535398980My nephew is paying more in rent than I'm paying for my mortgage.
>>535396321Americans eat for $2 a day and their houses only cost $230k? More like ameripoor. amirite
>>535396321i have even better math. if you don't go to luxurious restaurant and spend 2k on dinner every day, you save 2k a day, meaning 730k a year, in a few years you can buy a luxury villa just from the money you saved.
>>535396321>heh you wanna buy home lil'shit?>just don't have any hobby>just don't have kids>just don't have a girlfriend/boyfriend>just don't engage with anything>just don't get education>just don't go out>just don't drink>just don't eat>just don't>it's just that shimple ungrateful retard
>>535398001If no one goes out you'll start bitching about restaurants closing down which is already happening in some instances.
>>535396321>In 5 yearsokay but what about food, energy, gas price increases on top every other shit?the world cant be stable for fucking 1 year let alone 5
Zoomers are buying 25$ sandwiches BECAUSE they will never afford a home, not the other way aroundThey did the math, realized it makes zero sense and they will never own a house anyway, gave up and started spending their salaries on Pokemon cards and doordash instead
>>535399138Wait until you do the math with a daily private jet flight.
>>535396321>$2 sandwichWhere do they sell those?
>>535398980>If Trump wasn't getting dragged around by israel, I was hopeful he would perhaps take the housing a step further and seize foreign owned homes and prevent foreigners from parking their money in our real estate market.You understand he worked in real estate right anon? Why would someone making money on rent or sales commissions from foreigners want to get rid of the foreigners. I never understood this idea that Trump was for the little guy. He is a new york millionaire looking out for himself and his people (see other rich people not white people)
>>535398989Even with inflation you still come out ahead. Inflation isn't adding over $10,600/year to the cost of living which is what you will be saving including interest.
>>535396321>$230k homeDo these even exist anymore?
>>535396321Most people aren't buying $28 sandwiches every goddamned day, they're doing it like maybe once a week or once every two weeks. I hate this reductionist boomer shit, just admit that you were born into the country's greatest economic period and that you left the zoomers and millennials with scraps, you absolute insufferable faggots.
>>535399156>btw work for 16/6 to pay our oldfuckcare you never get you demanding piece of crap I fucking hope you kill yourself lol-boomer and their asslicking niggers
>>535396423>>535396460Kevin O'Leary is a beady-eyed ugly faggot with an untrustworthy countenance and an even less appealing manner of speakingtherefore, whatever he says is by default incorrect
Stop eating out. Stop drinking Starbucks. Pay off all your credit cards now. Pick up a side job pressure washing houses, delivering groceries, and cutting grass. Work 80 hours per week. Put away $1000 a month in savings. Have a garage sale. Sell all of your belongings. Sell your cat and dog. Sleep in your car. Sell your car. Live under a bridge.
>>535396321Jesus Christ, burgers. You are spending $28 per lunch? That's less than 1/3 of an AAA game.
>>535396733why are you lying about what the OP says? no where does it say "dont eat lunch"
>>535396446Based
>>535396321Except for when you can't save up enough because prices keep rising and life gets in the way.>be me>started putting away half of my salary every year since I was 18>should've meant I'd have about £160k now that I'm 32>except I've not even HAD half of my salary free since about 2018>rent has kept going up and is a little over half my salary already, not including utilities>car costs have risen, including unexpected repairs>random fines for other people putting the wrong rubbish in my bins>once got a fine for parking 1 inch over a curb at the end of my own fucking parking spot>food costs have risen>household goods, clothes, and basic maintenance costs have risen>gotta pay the dentist twice a year and the hygienist twice a year or they take me off the books>lost my job twice due to cutbacks and had almost a year each time unemployed>having to pay because criminals want to vandalise and steal whatever they like>I have a total of £4k in my savings after 14 years of actual life...It's almost like boomers don't understand that life isn't as cut and dry as some calculations on paper. I don't even eat a fucking lunch any more, I have yoghurt in the morning and some chicken drumsticks with broccoli in the evening because it's less than £5 a week.
>>535396423yes let that genius thrive in Shanghai. we dont need him here
>>535399367Sell your organs. Kill yourself. Respawn. Sell your organs again. Invest into my sponsor: Israel's Child Fetishist Self-Care. Kill yourself again.
>>535398682I hate these homosexuals as well, but you are disingenuous posting a fucking property in NY.
>>535399172>If no one goes out you'll start bitching about restaurants closing downWhy would I be bitching about that if I don't go out?
>>535396460thats how much lunch in the city costsbut yeah if you can get by on 1 $4 slice of pizza you'd be doing great. or a $10 deli sandwich. half the price is getting it delivered
Unironically none of this matters because no 18yo is getting a 70k a year job anyway. I can't even find a job that will hire me for 60k with 5 years of experience. It's just disingenuous and then you get these fake posters telling you they make 200k from home in rural kansas.
>>535398345Yeah at some point your mind just pauses time and you're stuck in whatever year it decided to do this. I'm only 30 but my mind is currently perma stuck in 2006. I know what's going on in the world and I know how fucked things are but my perma reference point is just 2006, we're in 2006 right now and anything to the contrary of this has to be actively processed for me to make sense of it. Boomers 100% have this except they're stuck in like 1975-1985 and they're fully unaware of this mental blockage and worse many are in outright denial, and loud and proud about this. They don't realize how fucking retarded they are and so all the hate they get is this giant mystery they genuinely cannot make any sense of. Biggest value they can give us is what not to be like at their age.
>>535399156>Hey you fucking asshole>Yeah, you>Yeah I’m talking to you, you little ballsack>You want to have your own shit in the future?>Yeah, I thought so>Just be a slave for 7 years>No hobbies>No luxury>Don’t get married>No kids, dipshit>Eat the food that’s given to you, you fucking faggot>Just work>Yeah, you like that?>Well guess what, nigger>After that 7 years you’re free>Sheeeeit, negro. You free!>Enjoy your own shit>Just sign here, my good goy>I mean, my good guy
>>535399296>THEY PAID FOR THAT FOR 50 YEARS>that's why taxes need to be raised to keep it paying out
I remember all those boomer articles that came out bitching about zoomers not going to restaurants or drinking making the food service industry fail.What happened to that? Which is it? Pick a lane, you fossils.
>>535396321people do not understand the long game anymore. Anders Behring Breivik understood it and took out 77 future liberals while allowing them the luxury of dying for what they believe in. win-win.
>>535399188Pokemon cards are literally up 20x in 6 years. A zoomer could unironically have 800k just investing in CS2 and pokemon skins.
>>535396321Being able to afford a $28 lunch in the first place you already had enough money
>>535397993>Breadantinutrient grain sludge>Mayoantinutrient seed oil paste (they don't have eggs in it anymore)>sliced cheeseActually might have nutrients>lettuceantinutrient green leaf ball>Processed hamgives you ass cancer>sliced chemical turkeyass cancer>half dozen bananasantinutrient fiber, literally one of the worst fruits you could possibly eatEating zero nutrients besides the tiny leftover nutrients in processed ham and cheese, doing this every day of your life for lunch because you're goycattle.
>>535398682who the fuck would willingly move to anywhere in New York State? NYC I could see if you were tied in making some good money and set up with a decent spot in Manhattan with your own parking spot/garage spot and other perks (AC in the fucking apartment, no fucking roaches or rats, building outside door locks to public)
>10 years later from now>Live like a hobo and sleep in public toilets, go dumpster diving for 20 years and you might be able to buy that 300k 30m2 apartment!
>>535399248Stop being a retard you just have to own some land and sew some crops and then harvest the crops and then mill the grain then bake the grain into bread to then go with the hog you were raising hogs right? Then you slaughter the hog and put the meat on it and then the cheese. You did buy a cow and start your own cheese cellar right? Etc etc.Also don't forget as part of the harvesting process for wheat in America they spray the entire crop with glyphosate round up right before harvest not to kill any bugs but to kill the plant so it dries out and is easier to harvest.Then they charge you $5 for a loaf of glyphosate that you can no longer sue over because Monsanto is key to our national defense.
>>535397993I would personally skip the bananas and save even more, they are going to taste disgusting on that sandwich anyway.
>>535396321>If you live like an animal and save 50% of your income for 30 years you can afford a down payment on an average house at today's prices Boomers can't die fast enough.
All the essentials, rent, food, utilities, medical are way upAll the luxuries, food delivery, tvs, games, phones, are way downthat's why it breaks boomer's brains when they hear younger people complain about the economy yet still being able to afford consoomer shit, they have no clue
>>535399706Ok so buy processed goyslop from pajeets at $28/day then. I'm sure that will be great for both your health and your finances.
>>535396321>financial literacy>save 10kIf you make 35k a year how does that math work? Take home 25k. Minus 10k. 15k left to pay for rent for a year. Oh you wanted electricity with that?! You fancy bitch.
>>535399590Why not bring sandwiches from home?
>>535396321>sorry but everything else you need to survive has risen in price and has eaten up that money you saved
>>535399638>this makes the judeo-worshiper boomergoycattle orgasm harder than when trump sent 6 billion to israel
>>535398193the want you to sacrifice your dignity by eating the cheapest slop you can find for years on end, so you can take a loan out for a house in a dangerous area that needs significant repairs (which will also need to be financed if you don't have several tens of thousands laying around for a new roof or foundation repair), tying you to a community you would only live in because there was no other choice. then they want to tax you on it
>>535396321Just because someone isn't spending $26 on a lunch each day, doesn't mean they're making $26 per day.
>>535399248Nowhere.Buying a loaf of white bread, a lb of cheap deli meat, a lb of cheese, a jar of mayonnaise, and a head of lettuce comes out to around $30 and that will make you sandwiches for lunch for like a week or two, that's as good as you'll get. And you're gonna get IBS and ass cancer from it in some years.
>>535399831>things with government meddling go up>things with more free market go down
>>535397993>ostracize yourself at work for being a weird creep who doesn't eat out>give HR cat lady the ick>first to be laid off due to not meeting cultural vibes
Me casa
>>535396321Sandwiches are $2?And are big enough to last you all day?
>>535398440SPY is up 24% YoY and 76% over the past 5 years.
>>535399845You just gave me an antinutrient paste to eat for every lunch of my life, fuck off redditor.
>>535396321You, but being poor is expensive. If his used car breaks down, there goes his savings.
>>535396321>230k homeBoomers are utterly delusional. Jobs literally do not exist in the places where 230k homes are a thing. 500k is the base price of any house that isn't a dilapidated nigger ghetto.
>>535399850>Why not bring sandwiches from home?Because these faggots think that making your own sandwich is "starving yourself" and "living in poverty". No wonder these cunts are always broke.
>>535396321nice bait.
>>535399713>>535399713Ok, cut the price in half and replace the location with Biblefart, KA. The point still stands.
>>535399706Don't forget you only get 6 bananas over 9 days so you're either bananaless the last 3 days or you get to bring half a banana 2/3 of the time or 2/3 of a banana every day and I'm sure they won't be brown and rotted by then.I remember one Australian talking about how eating brown bananas was his favorite thing in the world. I'm not sure Australians even have sugar in their penal colony.
>>535398875>I'm getting 4% interest!>Inflation is 4.2%...Might as well spend it on hookers and blow at that point.
>>535399928If you really work in such a neurotic and pretentious workplace then the price of your sandwich is the least of your worries.
I'm a neet so I really don't have any ground to stand on since I havent experienced living the way a lot of people do.That being said, I like to cook and I have looked up prices of groceries and its like 30 bucks to have enough flour and yeast to make your own bread for like half a year.Homemade bread tastes way better too.
>>535396321You don't even need 20% if you're a first timer. First-time homebuyers typically need a down payment of just 3% to 3.5% of the purchase price. Conventional Loans: As little as 3% down. FHA Loans: Usually 3.5% down. VA & USDA Loans: 0% down (for qualified veterans and those in eligible rural areas).
Good jobs only exist in a few vanishing small urban areas because boomers sent all the jobs overseas.
>>535396321>If you have basic financial literacy then you .......If OP had basic financial literacy, OP would understand we're living in a depression worse than the great depression of the 1920's and the only thing keeping the economy afloat is high GDP, high stock gains, and a false sense of consumer confidence. Seriously OP. If you tell everyone to stop spending money, maybe they'll listen, but then they won't be spending money and the economy will tank. People NEED to be lied to about the economy so they'll spend spend spend, cause if they don't it'll all come crashing down like a house of cards. Some would say this is inevitable ........ maybe they're right, but if GOP can delay it long enough it'll be the next DEM president's problem. This is what our politics has devolved into. Pass the buck to the next guy or next generation.
Okay but what about the average rent taking like 75% of the average monthly income to pay?
>>535399188If you are spending $25 daily on a sandwich you aren't poor, you are just a wasteful rich idiot.The fuck is that sandwich made of, do you put caviar and humming-bird's eggs there?25 USD can be 100 PLN on a good day. I can get even three restaurant meals for those money.
>>535398001I just made a sort of pudding with rice and lentils. Fried it in beef tallow and added a can of mushroom soup. Surprisingly good and filling. I also own a house.
>>535396617Dude, my morning coffee is almost £10.... How the fuck am I suppose to "Muh, save for a house???>It's insane.
>>535396321>>goy i dont care if you WANT a house or what your Dreamteam are, IF YOU HAVE THE MONEY, PUSH IT IN TO OUR ECONOMIC SYSTEM! WE NEED YOU TO BUY! NEXT YEAR ITS CARS BUT FOR NOW ITS HOUSES! BUY GOY, BUY, PUSH YOUR SWEEEEEEET SCHEKELS INTO CIRCUIT OF "liiiiiving the dreeeeeaaaaaaam" (not yours).
>>535400001Here bread isn't full of corn syrup, the cheese is real and deli meats tend to be reasonable quality. I forgot that I'm talking to Americans.
>>535396321only retards buy 30 dollar sandwiches.
>>535399831I'm not even sure that chart is factual>computer software down 80%>Adobe now charges you a monthly fee instead of a one time purchase>this is totally cheaper goys trust me
>>535399366>While he is not Jewish himself, he grew up in Montreal, Canada—a city with a large Jewish community. Because he spent so much time immersed in the culture, he has referred to himself as an "honorary Jew" and has expressed deep respect for Jewish traditions and family values.
>just eat the cancer slop and die 5 years into your mort gauge
It's impossible here unless you earn big money and live in a shithole.
>>535396544>now
>>535400306>Le corn syrupBread is literally the heads of seeds ground into a paste and then baked, zero nutrients>Cheese is realIt's a slice of processed deli cheese>Deli meats reasonable qualityBy definition, no.You have to actually be retarded to think some cold cut sandwich is healthy because america didn't make it, the most processed foods you can find put onto bread. Literally the kind of shit food that kills you.
>>535400339Just like Trump, every non-kike in politics and media is a lifelong shabbos goy
>>535396423Der ewige boomer, shamelessly shilling for the replacement of younger White generations using delusional asinine hysterics about nonexistent "geniuses" (there aren't even 65k bona fide geniuses alive on the entire planet) to bring in cheap quasi-slave labor to devour every possible entry-level job which could have launched a young White person's career. In a century after the coming collapse, the corpses of these "people" like O'Leary will be exhumed, and their skeletons will be hung in chains.
>>535399367I don't care if it's a two-hour commute! Get a 1998 Honda Civic with a dented door for $500. Drive it until the wheels fall off. While you're driving those two hours, you can listen to audiobooks or think about your budget.And why are we looking at a $550,000 home anyway? My rule is a 15-year fixed-rate mortgage where the payment is no more than 25% of your take-home pay. On your income, that means your max monthly payment should be about $1,600. To buy a house on a 15-year fixed with a $1,600 payment, you just need to put down a proper down payment.
>>5353986251m home IS middle class now.
>>535399706You weird ass gen z faggot, do you even know how to cook?
>>535399850these retards don't know how to cookmax.
>>535400165>>I'm getting 4% interest!Calculated monthly on your savings which increase each month as you make deposits. Which means your saving grow faster than the annual 4.2% inflation on goods and services. Holy shit, the nigger tier IQ on this board lately.
>>535396321It's not wrong, but zoomers are nigger tier. They talk like niggers, consume like niggers and spend like niggers. My dad has a couple rentals and when you inevitably kick the niggers out you see they bought air jordans and dinners at steakhouses etc. Receipts everywhere, hundreds spent on shoes and electronics and dining out but they couldn't pay for a roof over their heads. And zoomers are just like this.>>535396617This exactly
>>535400524Hes not wrong though. The deli products you're "supposed to" subsist off of according to boomers are full of carcinogens and sneed oils and other shit that gives you leaky gut and cancer.
>>535396460I don’t understand. Why did Kevin o Leary give an interview asking people to [] him? He has enough money for a tool to just do it himself
>>535400524"Cooking" is not buying cheap shit non-foods and putting them on bread. That's what lazy faggot boomers did in order to die early while being cheap and jewish.Don't let me stop you from eating garbage food and dying though, not my problem.
>>535400339>I’m not a jew>but man aren’t they great>id sure love to be a jew >which im not
>>535396321If you eat the cheap sandwich every day, youre not going to have the energy or motivation to save that $230k. Youre going to want to kill yourself. Just to rent from the government instead of a landlord? No thank you.
>>535396321You can save that same amount twice as fast by living in your parent's basement and not paying rent. Hell, you can eat your fancy sandwich too. But then these same assholes will tell your parents to kick you out at 18. I'm not saying we should go full Mao and kill all of these geriatric degenerates, I'm just saying it's an option to consider.
>>535399496> yes let that genius thrive in Shanghai. we dont need him hereYoure the one that not needed. lol. Every country wants wealthy people investing into it. He is the type countries want, not low value labor like you.
>>535396321where exactly do you buy a $28 sandwich?
>>535400460So instead of a sandwhich take boiled eggs and some sliced steak that you grilled at home. East sardines mashed with an avocado. All will still be cheaper than $26/day. Whatever your preferred diet you can still do it cheaper yourself. Bringing lunch to work is easy and cost effective.
>>535396321Just one? Which one do you collect rent for?
>>535397993>boombeast economicsLiterally nobody is contesting the fact that if you spend less money you will have more money. The point in question that boomies cannot comprehend is that there is no level of belt tightening possible that will ever enable you to own a home. Guys could be working 13 hour days 6 days a week, rent space under a staircase harry potter style, do nothing but meditate whenever they aren't asleep or at work, and subsist entirely on water, rice, and whatever bugs they can catch. DER BOOMER would still gleefully barge into the conversation to say that if he just stopped being lazy and learned to photosynthesize he could save on rice and have a downpayment for a used diaper on MLK blvd. In 123 years.
>>535400196yes, pay additional interest by financing more, then pay even more to a mortgage insurance company for the privilege of paying more interest!
How about we get rid of the parasite billionaire class so we're all not poor as fuck
>>535397993>>buy pack of double smoked sliced ham - $3.70Ha ha ha ha! Are you a time traveler or a coma patient?
>>535400801Jersey Mike's
>>535399366>Kevin O'Learymaybe the biggest turbo boomer of them all. He is a narcissist piece of shit who openly says in the Tucker interview that he doesn't care what AI data centers cost people as long as "we" beat the Chinese in the AI race which secures his legacy. These fucking boomers think this shit is the 1960's space race against the Soviets, it's not. The space race gave people hope for the future, the people today rightly see AI as a tool of their enslavement.
>>535397993>yes goyim, only the finest cheap cold cut sandwiches for you!>V-variety of diet? Fuck you you stupid GOYIMFuck you nigger, a balanced diet has variety. Even when you look at fruit strawberries/cherries/raspberries, even blueberries are expensive as fuck. so I'm supposed to stick to shitty bananas or just apples and pears forever? fuck you.I'm not going to live my life eating just rice and beans so I can slave away to own a small lot. What we should do is destroy the built in inflation in our economy that originates in our central bank, our effective increase in money supply caused by cheap and easy credit, and urusious interest rates on loans, which consumes the flesh of the working man his whole life.fuck you
>basic mathThis scares the financially illiterate.
>>535396321he didn't add inflation to that. You gotta save about 10% more every year you save to keep saving that 26$
>>535400804Ok so next time say real food like this instead of suggesting zoomers kill themselves with ass cancer to save 20 bucks.
>>535400841Get rid of you losers like you. You are literally posting from home in the afternoon on a weekday. Get a job you loser.
>>535396321>a230k HomeKek, they don't exist
>>535399278This my lunch was 11 dollars, i got 4 hotdogs and a coffee at the gas station.I could have gotten them at the grocery store for maybe 4 dollars and coffee at home, so maybe max I save 5 dollars a day. That's not 28.
>>535396321Dude my dads house went from 110k to 350k in like 6 years. Id have to save $26 a day for 10 years just to get a down payment on the difference, not even on the original house.
>>535400616Yeah no shit, retard. I was a deli clerk for a while and worked at a grocery store. You don't have to eat cold cuts. Look at the retards who go to the deli. They're old retards. Best thing at a deli are the cold salads, the chicken (if your grocery store has that), the rotisseries, and anything that isn't fucking sliced and shrink wrapped.
>>535400728Do you Americans eat a lunch and that's it for an entire day?I eat two slices of bread with cheese and hamA proper home made mealFruits, nuts, and jogurt My weekly fruits portion costs around $25And it is nearly half of kg DAILY
>>535399706Cheese is good for you, I don't know that I would call lettuce anti-nutrient either, but I haven't really looked into it.Bananas are the only fruit I like. Oranges are good too I guess.There are less processed meats you could get. You could just buy a ham and slice it for the week... Breads not good for you but it's a convenient food delivery vehicle. You could just make a salad with the meat/tomato or whatever else you get. Kale, spinach, green beans, something...I like sandwiches tho. You could also make a bunch of hamburger patties and cook/freeze them. Microwave them at work and eat a burger every day. So long as you're not slathering it in mayo you should be fine.What food fits the storage/convenience/price/health venn diagram best? Chili?
>>535396321Actually the cost of living and the price of homes is dropping while wages are increasing
>>535396321Off-topic ragebait psyop. 1pbtid.
>>535400687I'm fucking Sicilian, you can't tell me shit about food. I'd be perfectly fine sitting here with some good ciabatta and some Bruschetta. And I wouldn't need fuck all else.
>>535396321This boomer thinks 18 year olds have 26 a day to spend, much less save?Thats 182 a week, bro the average salary is like 300 a week after taxes, half of it goes into rent and bills, aint nobody saving 26 a dayMost under 25 are lucky they scrape 30 a week in savings
>>535400801Wawa
>>535396321>ragebait twitter post of a woman doing math>200 replies
>>535398875Groceries cost nothing?>just eat rice and beans for 5 years bro! take the skeleton pill
>>535400825Would you rather pay some kike landlord?
>>535396321on average I probably spend 1.5€ per lunch
>>535400859He's aussie.
>>535401079>What food fits the storage/convenience/price/health venn diagram best? Chili?Probably just hamburgers / cheeseburgers, you're not actually supposed to fart all the time even though scientists say you are.>>535401134Ah scoppia soppiamo tutti spaghetti
>>535400336Before it was $700 to start and $200 every upgrade which would've been every other year so for the first 3 years you'd spend $900, about $25 a month, then every future upgrade would be about $8.33 a month. Yes you loose if you use the higher tiers but the lower is $10 so its technically cheaper to start but on a long enough scale it does cost more.
>>535400873>>535401157Neither of these have $28 sandwiches
>>535400183A lot of it is time crunch. There's only 168 hours in a week. 40 hour work week with forced 1 hour lunch breaks. We'll go with average commute times so 30 minutes each way that's another hour a day gone so your 40 hour work week is really 46 hours. That is already 27.38% of your time. You have to sleep a minimum of 6 hours a night and 8 is a lot healthier we'll split the difference at 7 hours a night. You have to sleep on the weekends to so that's another 49 hours gone. That's a total of 54.76% of your life gone.You now have 92 hours left where you're not at work or sleeping or commuting to work. In that time you have to make room for any kind of recreation, shopping, bill paying, family stuff etc.70% of the country is on prescription drugs and 25% of the country is on SSRIs. So they come home exhausted zogged out of their minds barely a few hours to relax before they have to sleep and repeat the process. Doesn't leave much time to bake bread or do much of anything.Then there really is a social aspect to it. If you're the guy in the staff room eating your homemade food every day you are going to look off to your coworkers. I wish it wasn't that way you shouldn't have to give a shit what normal niggers think but sadly that's how the work place works. The tall blade of grass gets cut I have learned this the hard way.Quick tip before I go for any of you neets if you do get a job: don't strive for excellence. Don't outshine your coworkers and especially not your boss.tl;dr it's a big racket and you're smart to avoid it bake your bread anon bake some banana bread for me
>>535400953This isn't a nutrition discussion it's about saving money. People spending $26/day on goyslop are still going to get ass cancer. With the sandwich they make at home they may get cancer, diabetes, heart failure or Alzheimer's but they will get it a lot cheaper.
>>535396321>SavesThey don't make enough money to save any. That's the fucking problem, there is no excess liquidity because it's being pilfered.
>>535401164pretty standard slop on X (and 4chan) now
>>535396321If an 18 year old uses a bicycle to get to work instead of buying a $160k porsche everyday, that's $58,400,000 in a year. In five years that's $292,000,000 if you save NOTHING else. That's 0.00083% of the US national debt, at 23. If you wait until 28, it's $584,000,000.
>>535401057Like holy shit, each day I eat an apple, an orange, and a kiwi fruit (depends on the season of course)Your daily lunch is my weekly fruits portionThe fuck you are doing with your money burning it away
>>535398875>4% compound interest accountWhat? Do you mean a stock portfolio? Tbere isnt a bank on the planet that offers 4% compound interest on a savi gs account.
>>535400918They take the good shit from the stores and give it to the food bank so some elderly nigger can eat better than you do.
>>535396321>just massively degrade your quality of life for 20 years and go into debt anyways so you can afford to buy a cheap shitty amalgam of vinyl, plywood and sheetrock you stupid goy
>>535401254>Bro it's not about nutrition!It is because when you're talking about food you're supposed to talk about food and not give the zoomies listening ass cancer by telling them to eat assorted non-foods. If you advise them to kill themselves with your retarded advice it's just retard advice from a boomer.
>>535400336Why the fuck would you neep to pay for adobe?>its for workThen its a business expense and not counted on the chart.
>>535396321Checked a random house on Zillow that's 419k. What was it listed in 2016? Fucking 195k. Even if you put down the 96k, and added in HOA and property tax, you're still looking at shy of fucking 3k alone not including utilities, electricity, phone, Internet, etc. Even if you were fucking married that's an absolute gamble and God forbid you have kids.Kill all Boomers. Oh my God.
>>535401220This nigga doesn't order meatball
>>535401192I'm happy inheriting the family home, or if it makes less sense to keep than sell then I'm happy selling up and moving somewhere shelter isn't considered a financial product. SEA if the oil shortage sorts itself out, southeastern Europe if not
>>535401209Ma chi minchia stai dicennu? Chiù spaghetti e menu paroli!
I don't eat goislop out and my food budget is 50 dollars a week and always has been. Even now during inflation when prices are retarded.Am I close to a house after doing this for over a deacde?Nope. 50% taxes destroys lives, hopes and dreams!Fuck this country!
>stupid boomer fuck who made the equivalent of 66/h in his youth tells you that you should just be savingevery fucking time
>>535401220Just get more meat, nigga.
>>535400918>a balanced diet has variety>Yesss goyim, that's right... variety is what you need. Here look at this meatball sub for $18, hey why not upgrade to a large drink and get a cinnamon doughnut too for only $6 more!!
>>535396321I don't know any place here where I could get a sandwich for 28 bucks
I own a home. The only reason I was able to do so is because my boomer dad decided to help me out with the down-payment. Mind you, I had enough for the downpayment, but i would have emptied my savings completely. And I'm a top 5% earner in my area. Shit's fucked. I feel for my fellow anons who are just permafucked.
>>535401415You don't even realize how fucking fortunate you are, dude.
>>535396321>You are living beyond your means buying $28 sandwiches if all you can afford is $2 sandwiches!>You should buy a $230K home if you only have $47KWhat kind of retardation is this?Is it okay to eat the $28 sandwich if I finance it?
>>535396321or you could just take away one of the several thousands owned by a corporations and literally have a house right fucking now>reeeeee thats just theft, poor billionariesthankfully the US is in decline so no more cucking for the rest of the worldbless the east for the rapid getting us rid of the piramid scheme of the anglo-zionist pedo regime
>>535400306We have real cheese. We have some of the best cheese on the planet. Award winning, world wide. Same with wines, when blind tests are done.The shit you see online is practically the same price as cheddar here, and the worst of it is only sold at the shittiest of dollar stores.I'm going to the grocery store today, I'll take a pic of the cheese department at our low-end grocery.The Internet is a lie.We have real breads too. Most groceries have a bakery. They're not really much healthier than the garbage bread though. Sourdough is one of the best for you, it's super popular in my area, but I don't care much for it.Really I wish there was a better alternative for bread altogether.
>>535401513literally just move for a year or two. living is cheap outside of globally relevant countries. I'm not even sure I want to keep the family home since it hasn't been renovated or repaired in my lifetime. lot of structural debt building up that won't be easy to get around permits for
Which 18 year old has $26 a day to spare? LMAOO
Didn't some US senators recently say that they're only making $174k and that's not enough to live off of for them?
>>535396321socialism is inevitablerepublicans are retarded
>>535401367They are already killing themselves eat expensive goyslop.
>>535401711To be fair, that's like $22k in 1990 money
>>535400269>pole retard doesn't understand cost of living in first world countriesLet me help you: if you live in a major city (where you have to work if you want the better paying jobs), shits way more expensive than in bumfuck nowhere, flyover state. You get like 5-10x the salary for like 20x bigger cost of living. So its a decision between nothing to minimum wage in a small town or a decent salary but having to live in a broom closet while paying $2k in rent. Remote work is the big equalizer but corpos have a hateboner for it because they can't make their employees as miserable as possible.
>>535401476>specifically talk about fruit>immediately strawman about meatball substypical kike nigger. no argument, just disingenuous kvetching and gaslightingalso>ignores the second half of my argument, where I explain my view on other important economic issuesglad to see my argument is so top quality you can't even muster a reply to it
>>535400918>Berries are expensive as fuckThey're also a trap as they're the most sprayed crop in existence and there's no other crop that gets sprayed more than berries.Something like a bag of oranges, a melon, ect. will be infinitely better - you discard the skin where the pesticides and potential brown field worker shit could be. Also in the good old days people of the past literally did just eat apples if you were in a state that grew them, a family would show up and buy a bushel at a time Buying meme berries isn't any "healthier" than this no matter what they tell you.>>535401747No argument presented. You don't have to keep posting, just make a better post next time.
>>535396321>$230k homeNot even flyover states have houses that cheap anymore
>>535400232hint for you and everyone in the thread: "depressions" don't exist.Wages are always slavery. Always have been, always will be. What exists is periods of credit expansion. Currency is getting devalued, so wages appear to grow because so much free cash (loaned from the future) gets turned into productive enterprise that for a short time it outstrips the natural market force of enslaving the weak. Then the bill unavoidably comes, wages turn back to slavery, and people either rebel, go to war or endure slavery for generations. There is only one thing to do. It's to buy or occupy land and then build on it like your ancestors did, using local resources and ignoring the taxman as much as you can manage. What will they do, send you to be a hobo in SF? Arrest you for being poor?
>>535399706You are the biggest retard it hurts me that we share the same species
>>535401209>you're not actually supposed to fart all the time even though scientists say you are.Lol.So meat, cheese, tomato... Peas? Sour cream. Does that count as a chili? Green peppers...
>>535396321I’ve been consistently broke basically my whole life, I managed to cobble together enough to by a house at 28 in a few lucky years where I made good money and had 0 overhead basically I’ve now been broke since then but at least my housing costs have been flat
>>535401540US government spends above $25 million per two minutes and you think money is among billionaires
>>535400471I literally drive a 5-6 hour round trip commute on a 25 year old beater and my 30 year mortgage eats like half my monthly paycheck. Dave is a massive retard and refuses to accept that his perspective on finances isn't realistic.
>>535401057The last time I made the mistake of just throwing some peaches and plums in the cart I got sticker shock at the register when they were like $2.29 each and this was at Wal-Mart the poor people shit your pants store. There's so many dogs at wal-mart now that they'll be barking at each other in the produce aisle. Now I'll wait for the dog fuckers to accuse me of being muslim for not wanting dog shit on my produce.
>>535401828>just make a better post next time.Fuck off. My posts are great and will stay as they are.
>>535401874Actually I take it back, this is the greatest retard I've encountered so far today>>535401871
>>535396460It’s almost like wages have not kept pace with inflation Weird
>>535401476>fucking dumb goy, I mean HEY CUSTOMER! Did you see our new BBQ Boneless Baby Back Rib Sandwich? Boneless 100% baby back pork ribs topped with our classic smoky BBQ sauce, fresh coleslaw and pickles on a toasted potato bun (Contains: Milk, Egg, Wheat, Onions)>Pair it with a cheese fry and a large strawberry lemonade with mini boba for the low price of $33.16 plus gratuity!
>>535401711senators are required to live in the area they represent, and are also required by their job to spend a lot of time in DC. that means either paying for two properties, paying for one and crashing places while in DC, and no matter what requires a lot of travel. they can only use donations on campaign expenses, not housing or transport to and from DC basically cut their salary in half and assume that they are legally required to buy a house and rent at the same time no matter where their district is. some of them are living like poors
>>535401874Yeah hold on boomer let me eat a cold cut sandwich and get circumcised, the doctor told me this was healthy.>>535401883>Does that count as chili?No but it sounds good.>>535401933Well OK but they're all just backpedaling now.
>>535401538>$30k home in niggerville, nowhere town, where the highest salary in 100 miles is $15/hr that needs at least $50k in repairsKill yourself
>>535401871>Wages are always slavery.the absolute audacity of wagies kek
>>535399443>I have a total of £4k in my savingsI'm a NEET and I have more than that. Workers are getting screwed hard.
>>535396321Financially literate people don't buy homes at the start of a population collapse.
>>535401619I don't talk to nepo babies because when I do, they say the most off the wall out of touch shit just like you do. >dude just fucking move bro, my dad gave me a house dude like what the fuck bro? Fuck you, faggot. Go get a job.
>>535399910This>>535401057Depends on what you do for a living. If you dont do jack shit and you dont work and you dont build anything and you never get off your ass and lift a finger in your entire life, then yeah, I guess you could eat a couple of sandwiches a day and be fine. But its impossible for most people to live like that here. You literally need a car to do anything, in order to get a car you need to work. In order to work, you need lots of calories. If you pick a job that doesnt pay enough, then the taxes and fees on everything eat up your entire check and theres nothing left for food so you just end up going homeless after doing that for a period of time, or you just get roommates. Like, yeah you can sacrifice the quality of your food, but thats the foundation on which everything else in your life happens. Have you never heard the saying; "you are what you eat"? We have to be very careful about where we get food here in america because most of it is toxic or downright poisonous. Our food is banned in other countries, its very difficult to get a quality meal here, it costs a lot to eat good but when you eat good, it gives you energy to make more money. If you eat shit food, it makes you feel like shit and you dont want to go out and make money.
I have 250k in my account and I still live with my parents because buying a house is scary
>>535402022Gary Indiana, did you call?
>>535401685If you work full time at a factory but keep living at home you can. I'm 22 and have $130,000 in the bank simply because my parents let me keep living with them. I have my own health and car insurance and pay them something every month so I live there "at cost" but they didn't even ask me to do any of that. With the money my gf has from doing something similar I expect to marry and buy a house in cash with her in the next year or two.
>>535402016You're a fucking retard, literally kill yourself
>>535401249Oh I fucked my math up sigh that's 50 hours a week for the commute and work and lunch so you have 4 less hours you have for all the next calculations.
>>535401916He goes off of nostalgic finance. That's not reality. My late mother worked for fucking Citigroup, it doesn't work like that.
>>535397993Waht is this weird idea that has come to permeate that you shouldn’t live a life so you might have a retirement and a house some day Like I’m not supposed to socialize or have decent meals because all of that money needs to go to a house fund? No as a society we should want the average person to be able to afford lunch and a house and a social life We should WANT TO BE WEALTHIER But everyone’s go to is “just live poorer”
>>535396321False, if you have financial literacy you'd know the federal reserve system violates art 1 sect 8 clause 5 constitution. No deals should be made with the ponzi printer and its fractional reserves as its designed to pillage your nation
>>535396321>just eat like shit for a decade bro and you can afford a house with today's prices>inflation, the fuck you talking about nigga?
>>535396446>>starve yourself for 10 years and then you'll be able to buy a home with the prices of 20 years agoThis. Boomers can't do basic math. /Thread.
>Le pack a lunch argument Enjoy the full blown ass cancer. You are better off packing a small amount of fruit or something or fasting the entire day and eating real food at home. Of course the powers that be want you to work that second job so you don't even have time to cook and have to stop at one of their franchise stores.
>>535401912>he thinks 25 million goes to public workersMusk tried it out and found out that all the money just sloshes between banks, investment funds and private tax heavens. Otherwise it's in healthcare and welfare, where it enters the economy directly anyway so it's like a constant stimulus check.
>>535401619Do you think migration to a different country is easy and cheap anon?
>>535400290>my morning coffee is almost £10No one's fault but your own that you're a caffeine addict.
>>535396321all these braindead young faggots trying to theory craft their way into a cuck shed, baka
>>535396321>If you have basic financial literacyThat's a pretty big if there, anon. Most people that I've interacted with in my life believe that success is being approved for a credit card and paying the minimum for the rest of their lives.
>>535402252The normalization of Inflation is peak retard if you think about it. Do people really think the average house in 30 years is going to be $1 mil? The average car $100k?We will all be millionaires on paper but poorer than someone making 30k in 1992.
>>53540202285% whiteWalkableNear the Amtrak stationBut wait, there's more...STONE HOUSE, innawoods, ain't even a streetview90% white
>>535401926>$2.29You wut me you must be shitting meOtherwise, get your friends, invest in some land, plant some plums, and you have a goldmine
>>535401415You better get that all in writing anon. I was going to inherit everything and got left with nothing. If one of your parents dies before the other there's no telling what kind of scum bag is going to swoop in and be your new "step" parent for a few months before suddenly your remaining parent realizes actually you're a piece of shit and his new girlfriend on meth deserves the home before they call MAID up for a month long interview process where surprise they show up and help him KYS himself that very day he called.
>>535396462>Just more kike and boomer strawmen to distract from the fact> the boomers and banksters have stolen $20T from the US taxpayers over the course of 40 years This. However. By MASSIVE Inflation, and Massive Taxes, you can bankrupt 10,000 + small businesses, and then because you are a boomer or a kike next to money spigot, you can buy the best companies with free money , Kike and boomer LIES.
>>535402121Sounds absolutely grim. What's your exit plan anon? At least its not fucking Puerto Rico, where making >$50k puts you in the top 20% of earners. Our tax bracket maxes out at $65k for crying out loud.
>JUST LIVE IN MISERY FOR 10 YEARS AND MAYBE, JUST MAYBE, YOU'LL BE ABLE TO MOVE INTO THE NEIGHBORHOOD WITH JAQUAN AND SHANTEL!>THAT MEANS NO EATING OUT EVER!>NO WIFE OR KIDS!>NO TRIPS!>NO BREAKS!>GET A SECOND OR THIRD JOB!>JUST WORK YOURSELF TO DEATH GOY AND MAYBE YOU CAN HAVE A HOME!>MAYBE!
>>535402436Yes, this only benefits the jews who have to print the money. Try telling a boomer to reduce inflation, they will tell you that you are retarded and that money NATURALLY HAS TO decrease in value by 6% every year.
>>535401134neither of which came from sicily
>>535402440>Newberg Missouri>a literal hodunk town in the middle of shitty ass Missouri
>>535402479>By MASSIVE Fed bank Inflation, and Massive Taxes,>you can bankrupt 10,000 + small businesses,>and then because you are a boomer or a kike next to money spigot,>you can buy the best companies with free money ,Freshly printed by FED. Or with free billions you just minted via a stock market. What is an Oligarchy.
>>535402440>innawoods>walkable>near a fucking train station so you can never sleepAmazing. Next you're gonna show me a dilapidated house right next to a major airport.
>>535396321Im saving on everything but I simply refuse to save on food. I want to at least have delicious meals 3 times a day. I cook myself so that’s fine but I will never save on food. It’s the last joys in life
>>535396321I did this, but the 230k home I was saving for cost 500k by the time I acquired 50k liquid. Then I got hit by some piece of shit who ran a red light and my savings went back down to 0 anyway so it was all for nothing. That was literally the story of my 20s. Luckily I had invested a lot in physical gold and silver and my stocks have been doing well, so that has helped me recoup some of my losses. The investments I have made over the years have roughly 5x'd in a 10 year period. If I had started with a lot of capitol or daddy's credit card so I could have invested more, I'd be rich right now.Why can't these boomerfaggots just admit that it's luck. It's right place right time vs wrong place wrong time. I'm not even mad about bad luck, just can't0stand how boomers seemingly cannot acknowledge that life is luck. It is.
>>535401944Since you're the retard going around without an argument insulting others, that truly confirms i am right on all counts. When industrialization first hit, the wages were so bad that proletarians took on Marxism like flies to shit. And what happen in Rome between 100AD and 200AD? Huge waves of devaluation came to a head and the starving poor found out that >old religion: be born rich, or go to the army for 15 years, or be a slave (women can prostitute and buy property)>new religion: live like equals in a community (women obey men absolutely)Literally same as today. Rome even had welfare for growing massess of unemployables until Christianity came around.
>>535402065I alone make more than the metro area median household wage, and am living with my parents forever because there's no way to afford a house at that income level and rentals aren't even cheaper. I can't afford to fix a house and I don't have the authority to kick the parents out temporarily while we make preventative maintenance and repairs. 10k would last six or seven months overseas even with travel costs, living a middle to upper middle class lifestyle. work pays less but living needs less. America is good for making a bunch of money by volume but it sucks for living
>>535402440I bought something like this in germoney last year, best thing I ever did.Buying a piece of shit little house on some land that's been neglected for 10 years gives you an all encompassing hobby for 2 or 3 years, fixing the place up.Really recommend it bros.
>>535402497>meanwhile your grandpappy who didn't finish middle school could buy a house and raised 5 children. All he had to do was get any fucking job. He also had a pension, so he didn't have to plan a retirement.
>>535402440.35 acres. Would be cool if it had more land.
>>535402041A whore sucks my dick for 30$A wagie sucks his boss' dick for 30 years.The whore is far more free and responsible than a wagie. At least she can set her prices
>>535402561Never said they fucking did, you honkey ass faggot.
>>535402730Okay, nepo
>>535402626>>535402629Seethe more houselets, I'm merely pointing out the absurdity of someone who says $28 is too much for lunch, but $230,000 is just fine for a cuckshed in the big city.
>>535402686>but the 230k home I was saving for cost 500k by the time I acquired 50k liquid. Then I got hit by some piece of shit who ran a red light and my savings went back down to 0 anyway so it was all for nothing. >That was literally the story of my 20s.That's the whole story of boomer kids and grand kids. You WILL have some emergency crap and you will work like crazy 80 hours/ week and you will go back to $0 or be bankrupt. Everything else is LIES, >by either boomers, kikes, or other rich elites.>>535402627
>>535402446No, it really is like that in america, but it's more like a dollar each in many cases. Then you need the land, then you need to wait a couple year for the trees to produce, then you need to have a stand at market to sell them at that you regularly attend, and then you realize that the average american is retarded and won't pay money for a plum.But yeah fruit prices are really high here if you actually have a market for them, the average american is just stuck with super market garbage produce for most of the year so they don't actually eat or buy any of it, it's a showpiece that nobody eats. Like buying little sour rocks that are expensive. Because of how shit the fruit normally is nobody eats fruit regularly. You have to go to the farmer's market and ask for the rotting stuff at the back to hope to get anything decent.
>>535402790Dont forget, he could also afford luxuries, trips, a car, and lived in an all white neighborhood.AND he was able to do this in a ONE JOB household!
>>535402811Damn, Matteo!
>>535402626>hodunk townSo?
>>535402811Whores are ALWAYS freer than wage slave debt slaves.
>If you just save 180 dollars every week for the next ten years you'll be able to buy a shanty!
>>535402811If the whore does not suck your dick, where does she get food and shelter? This is the basis of wage slavery.
>>535402833Honkies always claim to be experts on everything.
>>535402877>another house in nigger shithole hellscape
>>535398875>4% compound interest account????What fucking savings account on earth gives rates even a fourth as juicy as what you're suggesting?
>>535402877Nigger I already own a house. I'm not a boomer, I don't think>I got mine, fuck you
>>535396321None of this changes the fundamental nature of the economy being based upon ripping off and scamming people. Being able to avoid it is good, but just becauze you know how to doesnt mean it isnt wrong to do it to everyone else. Retards paying 80k for a truck makes it harder for everyone else to get a truck because enough retards sign up, for example. College tuition is another. Fuck you apologetic kikelords.
>>535396321>eat cheap sandwhich for lunch>get colon cancer by 40thanks fucking boomersalso twitter posting some random CUNT should be autobans
>>535396321i would tend to agree that spending that much on a sandwich with any regularity isn't wise. But the math in the OP tweet assumes that this is happening 365 days a year. And that's even for $230k home, which isn't realistic in most of the country.
>>535402893He had a company car too. Fuck, even my dad had a company car at one point.
I live in Georgia and they’re trying to sell mobile homes for 150k now. Who knows what roach infested hovel you’ll get for 230k. Anyway, at the end of the day , if you don’t have a decent income it’s kinda over for you.>>535397993What scam account is giving you 5%? You’re gonna get, safely, 3-3.5%
>>535396321>argue over 'personal responsibility' instead of who is to blameShiggydiggy
>>535403107He could get that job with no experience too. No real education.Just taught what you needed to know on the job.Now you need a fucking full education to work at a fucking McDonalds or like 50000000000 gorillion years of experience for an entry level position at some better placeit's insane how boomers cant comprehend that the nice world they lived in no longer exists, and it's almost entirely their fault
>>535402561Neither did anon, he is a Hispanic teenager from Colorado.
>>535398167>building equity equates to freedomHe retardleaf, what are the property taxes in leafland on a $700k home now? Cuz if you can't pay it, you'll get all the freedom YOU DESERVE.
>>535403084not only you will get cancerbut meanwhile while you do the "savings" you need to live somewhere, and that is why it doesn't workand that is also why car living - van life works
>>535396321Spending $28 on lunch every day is financially retarded. I went out to a restaurant today, stuffed my face with tacos, chips and rice for under $11 (including the tip). You can get a medium pizza for $9, a burger for $7 or just home cook a meal for a fraction of that cost. $28 for one meal? And you’re doing that every day? I don’t think that’s a real thing. I think boomers are just making up numbers. “These kids spend $2000 a month on video game subscriptions!” When in reality it’s more like $30/a month across 4 different services, while boomers were paying $200/month for their DirectTV subscriptions in 2003
>>535399590Holy shit Zoomers are such a worthless generation. I was packing my own lunch for school when I was like 10 and you can't even do it as a grown adult
>>535403019>>535403131Fed gov bonds , 4-5%. I've seen 7% even. But that's irrelevant. You need to figure out a way to put money into higher ROI places to beat the inflation. https://www.treasurydirect.gov/marketable-securities/treasury-bonds/ Also you can look around corp bonds, for instance Capital One bank gives 4-5%. But I think you have to buy them for a year .https://duckduckgo.com/?q=capital+one+corporate+bonds&t=brave&ia=web
>>535396321US economics are fucked and people shouldn't have to play a retardedly strict game of financial management to be able to afford a house. Boomers and Gen X ate out at similar rates and were able to afford houses.That said, there is truth here: Stop constantly fucking eating out at goyslop fast food and restaurants. You are being wasteful if you order a $26 lunch everyday. Learn to cook at home, it's not hard. You will save thousands and be healthier. The only investment is your time. Just fucking meal prep a bit on Sundays for days when you're lazy.
>>535402284with a us passport, yes, for now. there are a huge number of countries that will let you stay with just a stamp for 3 months at a time, visa runs are not guaranteed but are frequently accepted. there are a few more countries like Georgia that will let you just stay a whole year if you want before needing to sign any immigration papers
>>535403357the average person should not be struggling to livehousing is the simplest of things, it is simpler than food
>>535396321>>535396423>>535396460Senile Boomers are financially clueless. They got to live through the best financial times ever. And now they think they didn't get lucky, and that they are so smart. Nah, boomers got lucky, and now they pulled the ladder on kids and grand kids.
>>535396321It should be a bannable offense to post bullshit from shitter, reddit, and other garbage social media sites, then try to twist it to make it a thread.Tldr: ban this faggot
>>535403357>Fed gov bondsThose notoriously lose ultra hard to inflation, you fat nigger.>But that's irrelevant.It's literally the point that YOU made, and now you're trying to handwave it away because everyone is btfoing you.
>>535403459>the average person should not be struggling to liveHowever, Income Minus expenses is negative. People can't afford to live. That's why credit card debt exploded to over a trillion , people are paying bills with credit cards before 1 . Going bankrupt , 2. Being thrown out of their homes. 3. Starting a violent revolution of the hungry.
>>535396321>230k homeI'd prefer not live in a ghetto surrounded by niggers.
>>535397993>buy pack of double smoked sliced ham - $3.70>buy pack of sliced turkey - $3.20WRONG HAHAHAHA
>>535403592Someone asked how they can make more than 3%. That's the answer. You can, but it is still irrelevant because you still cant beat boomer and FED inflation.
>>535403460boomers are the only generation to be more successful than their parents, AND their own kids, and they like you said, have yanked the ladder up and couldn't care less because 'fuck you, I got mine.' is their entire mentalityI despise these old freaks
>>535398001No one eats $30 lunches every day. I worked finance downtown Toronto in better days, and everyone had a bagged lunch from the newest clerks to the VPs. Once in a while someone would treat themselves to Mr. Sub or whatever was on the McDonalds value menu. People buying $30 lunches are rich kids or already own a house and are high enough up in the chain that the convenience is worth it. In the real world if you eat out every day people notice and think you're retarded.
>>535403963>in better dayslol
>>535396321$6240 a year actually. because he is likely working 5 days a week not 7. but there are 11 days off from national holidays and probably 5 days vacation time.so its actually $5824 a year$29,120 over 5 years20% deposit on a $145,600 homeBUT the average home price is $400,000so in reality it would take almost 14 years to save up a deposit on a house by eating a $2 sandwich instead of a full lunch 5 days a week.also in reality he is likely not eating a $28 lunch every single day, it's probably like a once a week treat with cheaper lunches most days. but boomer sees one young person eating one $28 lunch one time and decides there is no housing affordability crisis, its all just expensive lunch habits. that's called a cope, boomer wants you to buy his house and boomer wants to believe he had it tougher (uphill both ways) because boomer is a narcissist generation that was always the center of all attention from being the largest generation.
>>535403631>people are paying bills with credit cardsMuch like all the rest of the crashing the economy in his 2nd term that's a feature not a bughttps://www.msn.com/en-us/money/personalfinance/credit-card-spending-is-through-the-roof-hassett-says-in-interview/ar-AA22wXkN>May 6, 2026 — "Credit card spending is through the roof,"The way he framed it he made it seem like that's good for the economy. "Look people are spending $ isn't this great we're the hottest country!" type retard brag.Instead of the "oh shit Americans are broke we fucked up" which it really is.Then right below it is a story about music jews cancelling concerts because of low ticket sales but I'm sure that's just because zoomers are lazy not because there's no $ to go to the concert.Just realized I haven't been to a concert since before the coof and I probably will never go again. #Winning! #MIGA! #I don't think about Americans' financial situation
>>535403460>on kids Yep.>and grand kids.If they even have any lmao>66% of all US Senators, are boomersjust die already, pic related
>>535396321A decent system lets you eat decent food (not the same as eating restaurant food or ordering all the time, just affording healthy options) AND get a house.Here if you marry and have a kid under 30 you basically are sure to get a house.Average house or flat suited for a family of 4-5 costs around 250k dollars. When a married woman under 30 gets pregnant, if the housband is employed, the family is offered 35k with 0 interest, you start payments 3 years later, and if you have 1 mor kid you only have to pay back half, if you have 2 more, you just get the money outright. This can be used as a downpayment.After that, you have home loan options as long as you are und 35 and have at least 1 kid, where you get 180k with an interest of 3% over a 25 year period, and if you have more kids, 30k is paid off by the government after each kid.What this actually ends up meaning is your monthly payment for the loan is around 1k, which is equivalent to the rent of a decent flat.You can afford that if you don't spend like a retard and have either one parent working a good job, or two people working menial jobs.
>>535403711A pack of lunchmeat costs $10 now, unless you’re only buying Oscar Meyer bolognese. Same for a pack of sliced cheese and bread.It’s hilarious when you can tell someone doesn’t even do their own grocery shopping
>>535402314Typical faggot leaf.
>>535404181I spent 60 making some of chef jean pierre's coq au vin pasta. 25 of that was a nice bottle of wine. wine lasted a night, but the pasta itself lasted a few days of both lunch and dinner. probably about $12 a serving with organic ingredients. aka as expensive as a chikfila combo meal with large fries and drink
>>535404003Yeah I get the lol there. It was not MUCH better. It was before 2008 and before real estate here went absolutely fucking retarded. Even young doctors, talking full MDs, can't make it in Toronto real estate market, and it's not much better farther away. What you might save in housing goes in the gas tank and time spent on congested roads. It's a complete shitshow.
>>535398695We ARE in poverty, though.This is what I don't get about modern secular young people. They (you) feel entitled to living lavish lifestyles, enjoying the best of everything. A common sentiment you hear uttered from people in their 30s and younger is>"I deserve it"What merit they're basing that claim off of is never specified.I despise the Boomers and unironically long for day of the pillow. Every terrible thing said about Boomer is 100% factually correct. And the odd Boomer who crawls out of the woodwork to robotically kvetch and shame younger generations with claims of hardship and superior grit only intensifies my disgust for that generation. But there really is a prevalent trend of self-entitlement among Westerners, along with self-indulgence at all costs. Next to no restraint, no discipline, no self-possession. Just hedonism and childishness.I think fewer people than ever could successfully pass the marshmallow test today. Meaning everyone is becoming spiritual niggers.
>>535404368I bought a thing of chicken, pork, and steak to toss in in a crockpot and eat over the course of the week. With them, the oil, potatoes, and rice, it cost me over $50.It’s fucking retarded how much we have to sacrifice and work harder just to be told it’s virtuous somehow. Fucking slave mentality
>>535405115The system would fall apart overnight if the majority of people didn't have that slave mentality. More and more are waking up to it, so they'd better hope the AIs can really do all the work, because a growing number of us would rather take our chances and be witnessed on the Fury Road than keep contributing to this horsehit.
>>535399831That’s subsidized vs unsubsidized. Any thing subsidized by govt will skyrocket, it’s a law of the fucking universe. No mystery here, anything where the price is disconnected from consumer decision making via govt intervention will skyrocket. Every.Single.Time
>>535400558Change the interest in your savings to less than 1. Also inflation is more like 8 to 10
