>you need to budgetbut I am just not making enough money>budget>budgetI cant find a job>pack a sandwichthis psyop kike shill needs to be Luigied >cancel spotify>cancel netflix>pack a sandwich>get a job >come up with a side hustle>Check our sponsor!!!these freaking neo-boomers need to die
>>537519446he is right, though
>>537519506bootlicker
You can acknowledge a situation is unfair, while still doing something to correct the problem. It sucks that you can't afford to eat out every day and watch cartoons. But you can't afford it. >Packing a lunch: $2-3 per day for a nice meal (less if you can cook well) >Eating out: $10 per day for fast food, usually $13+ for panda or chipotle Multiply that by 5 days a week and it's $15 vs $50. Multiply that by 52 weeks and it's $780 a year vs $2600. Netflix may cost $20/mo but that's $240 a year. Buy a VPN for $90 for 3 years and learn to pirate. It sucks that boomers had it easier, but bitching doesn't actually solve the problem.
>>537519446What the fuck do you want him to do?
>>537519446To be fair, some of the people who goes on his show waste money like going to Disney land. I would also tell those people to budget better.
>>537519446dude seems like the equivalent of someone writing a self-help book about how he was poor until he got his shit together and started writing self-help books.
>>537519446yeah, better to hold out your hands for gibsmedat. big daddy government will save you
I've encountered enough people in my life, myself included, to understand that poverty is a series of choices you are still ultimately responsible for.
>>537519506He's not. It is abundantly clear we have the real resources for this to not be a problem.
>>537521400that's very anti-white and antisemitic of you. you're clearly a shitskin. whites only wait for gibsmedat from big daddy government.
>>537519446Say I was aware of 40+ things to build that would improve GDP per capita by an extraordinary amount. I would not be rewarded for them, instead my idea would be stolen and ruined by scammers and corporate rats. Say I did build it, would I be funded appropriately?No.Say I did fund it, would I be able to sell it? No.Do you see the problem here?
>>537519446the interesting thing is that's totally a lower working class slave attitude which I agree with in sentiment but reality is most of the rich fucks didn't get their money because they cancelled netflix. they might be cheap but they also love juggling debt. don't expect a rich guy give away the secrets of getting rich yourself. the entire point is to keep you poor.
>>537521232>It sucks that boomers had it easier, but bitching doesn't actually solve the problem.But based on efficiency of production and industrial capital, they shouldn't have had it easier.So the difference is clearly increased unearned rents being siphoned off in the process.
>>537521478This argument falls flat now that crowdfunding is more accessible than ever. If you had a single thing to build that would improve GDP you could spend the effort taking it to that platform, but it's amazing how many people lack the ability to come up with that single realistic idea
>>537521551THERE IS NO CROWDFUNDING.No crowd is going to fund an idea.Nobody is going to give money away.
>>537521616>there is no such thing as kickstarter>there is no such thing as indiegogoThank you for proving my point, that some people can be given every tool in the world but will still spend more brainpower coming up with ways they're oppressed
Everyone on his show is retarded, and I think a few are literally mentally retarded
>>537521337Exactly. They are making low IQ choices. A business will always take your money, and a bank will always be happy to plunge you further into debt, it's up to you to say no. There are people who are victims of circumstances (medical debt, family members passing, etc.) but most of the time it's the manchild who couldn't wait a few years to save up for Disney. It's the "girl boss" who had to go to a Taylor swift concert in Germany. You don't need a $100,000 car, you can drive a used reliable car for $10k or less.You don't need a fancy house, you can get a smaller place or a roommate if things are desperate (yes, it sucks) You don't need to eat out every day, you can pack a lunch. You don't need to go to a concert, Disney, or other high end entertainment, you can go see live Indy music for $10 You don't need 100 subscription services. You can get a VPN and pirate. If you show a little self control you can pull yourself out of debt and live a normal life. It won't be easy, but it is simple.
>>537521682How do you think there is just a million man audience waiting to pay for unique idea to be built?Only 100 people will see it tops, then none of them will spend a single cent.There is no economic option.
>>537521400Poverty is a trap that even smart people can fall into and not be able to escape because escaping costs money. You buy cheap clothes to 'save money' but they fall apart faster, you buy cheap food but it gives you health problems, you can't invest for the future because you lack in the present. Without a windfall inheritance or gift from a relative or gambling win, you're just stuck in the mud and can't get out without someone throwing you a rope. This causes some people to turn to crime.
>>537519446>most whites have worked for several generations and never accumulated generation wealthlmao, my single indian mom came over as a medical doctor and left me several million. lmao
>>537521715>no no no you don't understand, MY idea needs a million man audience>nobody has ever actually spent a single dollar on crowdfundingKickstarter exists. You can go there right now and find projects that have just funded. How fucking brown are you
>>537519446>cancel spotify >cancel netflix How is an Amerimutt to survive without jeetflix?!
ok i packed a sandwich and cancelled netflix and i'm still poor now what genius?
>>537521695We had a similar show on TV here in Sweden called Lyxfällan (The Luxury Trap). They didn't budget well and spent a lot of money on smokes and energy drinks. Some were just spoiled kids who didn't get support from their parents anymore.
>>537521749>Poverty is a trap that even smart people can fall into and not be able to escape>because escaping costs moneyEscaping doesn't cost money, escaping costs a reversal in the attitudes that led you to the poverty in the first place. You don't become impoverished by buying a better shirt but you will stay in poverty if you expect to maintain the same life you did when you were rich when you don't have the income.Earn more than you spend, it really is as simple as that. Even I have trouble with that when I wind up spending $400/mo at the gas station on food and drinks
>>537521551crowdfunding works like a store for people buying products that don't exist yet. they don't care about your "realistic business", they are not going to fund you unless you give them something, a new product that doesn't exist yet.
>>537521821If I was given $40,000 I would be able to turn it into billions of dollars of value. I would be able to turn $800,000 after 8 months into hundreds of billions of dollars of vallue.Would I be able to sell it? NO.You are disingenious and LIAR.You won't give me $40,000. You're full of shit. Shut the fuck up.
>>537519446Why don't you get a job?The army is looking for recruits.
>>537519446Yeah i noticed libtards are offended by the basic concepts of saving and revenue
>>537521821You're so ready to speak for other people.>Heeey they are gonna give you $40,000Shut the fuck up or go and find me 20 people to give me $40,000.
>>537522068>>537522063I can smell the jeet through my screen. Neither of you have any actual ideas>SARR I CAN BUY THE BITCOIN AND MAKE YOU INFINITE MONEY SAAR
>>537522068If you were smart enough to do that, you would be able to form the 40k from 2k. and you can get 2k just working at wooly's for a month or whatever
>>537519506You didn't address or refute any pointsHow is he rightHow does canceling Netflix or spotify help me? I don't have themWhat good is packing a sandwich if u can't find a job
>>537522129>Shut the fuck up or go and find me 20 people to give me $40,000.This is where your brown brain gets this shit backwards. Tell me why your idea is worth funding you retarded shitskinHoly fuck please wall off the internet from the third world
The problem isn't the product quality. The problem is the landlockers. They will never allow it to be sold.We don't live in a just society where the people who make the most valuable stuff are rewarded.Instead idiots are promoted on media to push the agenda of the landlockers.
>>537519446>>537521273kekked so hard I love you guys
>>537519531DON'T BE A BITCHPICK UP A WRENCHmy wife makes my sandwich everyday
>>537522190>just werk fer minimm waygeThe corporate campaign shines throughOnly the total destruction of every single monopoly is acceptable.
>>537522271>SAAAR I NEED FORTY THOUSAND DOLLARS FOR THE BUYING OF THE LAND SAAR PLEASE >WE WILL BUILD BEAUTIFUL BEACH RESORT BABY YOU WILL LOVE ME AND SHOW BOBSdisgusting
>>537521715>There is no economic option.there is daddy's money, there is already making enough money that a bank will loan you (after several years in school then paying off your student loan over another several years combined with actually lucking out and getting the job even though they only want to hire esg friendly browns and saving up for another few years), there's having elite jewish contacts. you could also try building a time machine to go back to the boomer era when bootstraps hadn't yet been over-regulated to meme status.
>>537521400Poverty is caused by a bunch of circumstances caused by your own terrible decisions. Graduate high school, don't get teen pregnant, get a full time job, etc
>>537522152you don't have any ideas either. name one idea that could secure crowd funding. you can't. you'll just pretend you have an idea but don't want to share it.
>>537522521>Poverty is caused by ... your own terrible decisionsThat is what I said
>>537521533Supply and demand post ww2 American goods were a huge part of the global market money was flooding in.
They will always lie to you.They will never pay you.These people will never make you rich.They belong in prisons.
I am sorry if you have been fooled into working for nothing by these liars for your whole life.
>>537522562I have received over $100,000 in crowdfunding for the simplest of ideas. That is why I know how easy it can be for someone who actually wants to do it.
>>537521874Kys faggot.
They will always lie to you.They will never pay you.They belong in prisons.Corporate dogs who do not keep their promises must be destroyed.
>>537521551>convince a bunch of normies to give you money for an idea they don’t understand????You had me at normies giving me money but how do I actually do this?
>>537519506He invites on the most retarded faggot and gives the most boilerplate solutions to incur their retarded response. It's dr phil type shit.
>>537522207I know kids with downs that have jobs. If you can't find a job you are lower than retards. Kys please
>>537522743The first and hardest step for many people is coming up with an actual realistic idea. The second hardest part is finding out how much it will actually cost to make that thing.It is much easier to sell someone something when you can tell them how much they will need to pay.
>>537522659>vagueposting a lieexactly. you just proved my point
>>537522776Reddit mod isn't a job
>>537522803Go on kickstarter or indiegogo right now and look at any of the projects that have just finished funding. Tell me why all of those projects are actually impossible, maplejeet
It tells you what to do.It never pays you.It is but a little baby fascist.
They will always lie to you.They will never pay you.They belong in prisons.Corporate dogs who do not keep their promises must be destroyed
Not going to take advice from a fat.
Why not just kill the elites and take their monies?
>>537522858how about you do that and share some examples. i know why you won't, because your argument would fall apart, so you'll just keep vagueposting about "realistic ideas"
>>537523021ok maplejeet
>>537523091>doesn't even say what the project is, just screenshots the funds raisedvagueposted again award
>>537523159>maplejeet needs to see the exact things I made because he can't do anything but copyStill waiting to hear a single marketable idea from your jeetshitter brain
>>537521232Mature attitude, it sucks but it's life
>>537523222>makes excuses for vagueposting combined with adhomcool. don't bother responding again until you can stop vagueposting. until then you don't have a valid argument
>>537523091This is probably the political funding scammer who pretends to fund political figure's defenses then runs off with the money.
>>537523339>argument is my $100k+ in crowdfunding received>argument is the front page of every major crowdfunding website>your argument is "but saar just give me the money and I'll be rich saar"
>>537521483In my experience successful people love to share their learning. It's a very jeeted mindset to horde your little grift. But most rich people don't have a quick easy hack anyway.
>>537523406stop vagueposting and just share some of the many many examples you allege exist. and don't just screenshot the funds raised without even showing what the project is again.you just keep vagueposting because you can't actually back up your premise
>>537523485the quick easy hack is daddies money
>>537523404Or its some of the many normal projects that get funded and created through sites like that.>>537523516Every single project that just finished funding is an example that you have yet to refute. I will no longer respond to your thirdie begging. My hope is actual Whites see my posts in this thread and maybe realize your ideas aren't as far away from reality as you think
>>537523594You wouldn't be embarrassed to show them if that was the case.
Btw, this isn't from any actual episode. It's just from one of OPs psychotic episodes where he fantasizes killing someone who represents responsibility. One the one hand, OP isn't dangerous, he lacks any and all conviction and thus will only ever seethe. On the other hand, he's more than happy to encourage others to commit violence.
>>537523594just one example broyou've spent so much effort vagueposting across several posts instead of just providing a single example.>i will no longer respondyes you will, with more vagueposting
>>537523648I have more respect for the audience those projects were made to serve than to throw the concepts as bait to a bunch of get-rich-quick street shitting jeets
>>537523741I was wrong to assume you have emotions.
>>537523741more excuses to keep vaguepostingyou say these projects are on the website, publicly available, i checked and i know why you cant find even one to share. its all retarded nonsense or vastly complicated widgets that would require high level engineering expertise and a source of funding to even build the prototype of.
>>537523594You wouldn't be worried of the consequences of showing them if that was the case.
>>537523853>>537523895If you think you can sway me with embarrassment on 4chan I was wrong for assuming you were anything more than the lowest shitskin
Oh shit, hes basically telling you to minimize your spending and maximize your income, however little that might be.What a complete psyop amirtie?
>>537523888The dude we're talking to is a psychopath. They have no emotions, they are not talking in a way where they respect our humanity. They see us as naive fools who react to emotions. They are invoking an emotion to illicit a desired response in which it allows them to exploit us easier.
>>537523947dude you've been at this for over a dozen posts now just making excuses for why you can't provide even a single example.
I'm an alcoholic and I spend $2000 a year on booze. One month's mortgage payment is $2000. Assuming one started drinking at 18 and kept up the habit until they die at 75, it would require 4.2 lifetimes of sobriety for that decision to materialize into a house at current prices. Meanwhile, our currency devalued so fast that if you're not making at least $25,000/year more than you were just 7 years ago, you're now poorer than you were then. I wonder what the real problem is.
>>537522776If you can't find a job you are lower than retards
>>537524033>4446% funded>841% funded>435% funded>1936% funded>514% funded>SAAR PLS NOBODY IS DOING THE FUNDING
>>537519446He’s not bad, but yes it can be hard to budget when you get increased bills/rent and surprises in life. And it doesn’t help that groceries are priced stupidly high. He will say don’t eat out but it’s cheaper to get a $3 cheeseburger than to spend $20+ to make 4 cheeseburgers at home.
>>537524103I don't believe this is you either.
>>537524153I fucking cannot anymore with these shitskins holy fuck
>>537519506this.I make $18.5 per hour but I live with my parent and don't pay rent or groceries.If you have inconsistent employment, you should have the government pay for your housing and healthcare. Also visit food banks.
>>537524149Have I been doing it wrong? Was I supposed to have been cooking a minimum of 4 burgers at a time at home?
>>537521232>Multiply that by 52 weeks and it's $780 a year vs $2600.true. you just saved $1,820. in only 220 years, you can buy a house.
>>537519446Learn to live on your budget you fucking moron. Sorry if you can't have all the things when you move out from mommy & daddy's home. That's why you work your ass off and gradually get all the comfy shit. You don't get it all handed to you right away.Fuck, you assholes don't even want to work and get shit handed to you. Fucking commies, should gas you all.
>>537524347the elites don't want you to know this but houses are free if you occupy them for enough years.
>>537523888>i checked and i know why you cant find even one to share. its all retarded nonsense or vastly complicated widgets that would require high level engineering expertise and a source of funding to even build the prototype of.>>537524103>desktop fiber and co2 laser cutteryeah dude very realistic business for the average poor person, just invent a new co2 laser cutter>3d printed modular terrainjust spend years learning to get good at 3d modelling and be the lucky project out of probably thousands to have pitched this and get funded>the book of unnumbered worldsno idea what that is but it sounds like luck not a realistic business>war of the dragon: the wheel of timewheel of time is a popular fantasy series of books and tv shows, either he somehow was able to buy rights to that ip despite being so broke he needed to kickstart or he's about to be sued>another bookmany people write books and don't get fundedstill waiting on these "realistic business ideas" you allege existyou sound like one of those boomers telling me to just play videogames on youtube and i'll get rich like pewdiepie. millions attempt it, very few luck out, its like buying a lottery ticket but with your time.
>shitjeet screeching at all these people receiving funding when it was supposedly impossible>shitjeet screeching that it takes marketable skills or ideas to receive the funding and can't just hold his shitwiping hand out This is hilarious
>>537524347You think an extra $2k a year wouldn't help you? That's basically a $1/hr raise and you get to eat better food. You can use that money to pay down debt to improve your credit score, which saves you more money when you buy a house. You can save that money for a down payment, which lowers monthly payments to buy a house. You can save that money and let the interest grow, which increases your net worth and the money can go towards a house. It's also just one thing you can do to save money to eventually buy your dream home
>>537524333I mean, you can buy bulk burger patties and cook them up at once and store them in the fridge for the week but it’s not saving money and you have to worry about the buns expiring after a few days. And condiments are expensive.
>>537521232>$240 a yearwow that's life changing stuff. in 40 years with compound interest you'll be able to afford a down payment on a house!There are a few routes to actually achieving decent financial position in this country.Inheritance, chiefly real estate, is essentially the cheat code, and tens of millions are quietly benefitting from it. Housing prices are really the only thing that's fucked when it comes to cost of living and making it. If you're already grandfathered into a $1000/m mortgage from 2010, you essentially have no real problems and can afford to live indefinitely on a 50k/y salary.The second method, which more people are progressively forced into, is to go full striver high-paying job mode. Doctors, engineering, nursing, are basically the best. Techies got destroyed. A good amount of people are too lazy/retarded/immature to do this stuff, and it really shouldn't be the standard for pulling yourself up by your bootstraps, but it is. Asians understand this fundamentally.The third and final way is just to go full biz/wsb and aggressively gamble on high volatility stocks and crypto. Really the easiest and a lot of people get lucky, especially in the bull market, but also leads to wanting to kill yourself if you fuck it up.Nickle and diming functionally achieves nothing. As long as you're not doing full retard blatant consoomer shit like spending 1000+ on doordash, it functionally doesn't matter. You need the capacity to move large chunks of cash to get anywhere. Saving $3,000 per year won't do anything. Le power of compound interest roth fags will be better off in retirement, but it hardly fucking matters because you're old and die in the next 15 years anyway. Not that I actually disagree with saving for retirement or funding a roth at all, but retards online have this attitude of morale superiority regarding it when it functionally makes no difference on the entirety of your working life.
>>537519446Show real flag, coward
>>537524549you can only provide shitty examples that depend either on luck (as in thousands attempt it, one succeeds, a lot like how only 1% of onlyfans whores actually make it), or high level engineering knowledge and already having funding for a prototype.
>>537519446>cancel spotify >cancel netflix >pack a sandwich >get a job That's all true though
>>537524645I mean, you can buy bulk frozen patties and store them in the freezer for much longer. The buns won't expire if you're actually eating the burgers. Onions are cheap
>>537524347Nigger mentality on display
>>537524149I know it's not healthy, but when it costs $7 to make a pizza, I might as well order one for $10-15. If I order one $15 pizza a week rather than make it at home, I spend $412 more on food in a year. So if I make my own pizzas for two years, I can pay one month's rent.
>>537524651>Saving $3,000 per year won't do anything.That's the retard mentality that keeps you poor. If you save $3k a year for 30 years you'll have an extra retirement fund of $350k after interest.
>>537519446when we were saving for our first home. I budget myself to 100 a week. that was for gas and work snacks/meal. wasn't great. but wasn't terrible. A real life hack is living within 30 mins of where you work. thats been an absolute must for me in making my life affordable. I live 8 miles from my job. That's one of the best things I can tell any younger person trying to save hard. Try and live close as possible to work, well, within reason. having an 1 hour commute really fucking adds to the work fatiuge, especially traffic and shit man.
>>537524888which by the time he's old will be just enough to buy a large pizza at dominos
>>537524347Or $54600 over 30 years. $54600 you can put into your 30 year mortgage if you make just a few changes.
>>537519446You are retarded. There is no amount of income that will lead to financial security. There are people making $250k living paycheck to paycheck because they can't control their spending, and people making $65k who are financially secure. Financial security is 100% about controlling spending, which is his main point.
>>537525012cool, now he's 7% of the way towards owning a home and all he had to do was live on rice and beans for 30 years
>>537519446>but you dint get it wages and the cost of living have a huge disparit..>BUDGET >well caleb, you arent…>FUCKING BUDGET >…o…okay..?>CANCEL EVERYTHING, HAVE NO SUBSCRIPTION SERVICES HAVE NO INTERNET SERVICE HAVE A PAY AS YOU GO PHONE YOU DONT NEED COMFORTS, YOU DONT NEED TO RELATE TO ANYONE OR HAVE ANY FORM OF ESCAPE. MAKE HAM SANDWICHES FOR EVERY SINGLE MEAL.
>>537524995If inflation is going to be that high that's even more of a reason to save
>>537519506No he isnt
>>537519506He isn’t. Jobs are being taken by Indians willing to work for Pennies on the dollar overseas, and AI. There aren’t magical jobs just waiting to be found if you work hard enough. We are being slowly, inexorably killed off by rich faggot boomer cryptokikes. And it is enabled by lazy cocksucking retards like you, who buy into the nonsense their kiked proxies shit out.
>>537525148yeah so you can afford that pizza
>>537519506>eat rice and beans every day>live in an old cuck shed with 3 roomates>buy an old car that has to be fixed up several times per year>turn off the AC in the summer and sweat your ass off>turn off the heat and freeze in the winter>work three jobs just to get by even though you went to GoyversityDon't forget to pay income tax. Israel needs more bombs to blow up children ;)
>>537519446So the shills hate Hammer now?Holy shit how fucking bad are you retarded faggot communists losing the culture war?
>>537521533That only applies to those that have properties to rent. I work with twenty other people. Most are parents, a couple are single, and one recently married. Both the singles recently got their own places (rental), the newly married couple are having a new, rather nicely appointed home being built. Both have jobs they’ve had less than a year. The rest of us have homes we’ve purchased a while back, mostly paid for. All of us are parents, married and divorced. One of the parents is renting. None of us own a second property to rent. One younger guy is considering moving and renting his current place but he is realistic about the value of a rental 40 mins away from the city, plus current interest rates are suppressing that urge to take on more debt.
>>537521533>>537524651And this is before you factor in other retarded things people do. A midrange phone will last you 5 years easy. A 2018 demo model Honda Hyundai etc will last you another 30 years if you look after it well. Buy generic brands not brand name things. Now you're saving even thousands more a year>>537524995Based reductio ad absurdum
>>537522207Did you go on his ahow and he told you those things?Helping someone budget isnt a one size fits all. Different people need different plans.
>>537525296Kill yourself boomer. It will be a far more dignified death than what is coming for you and your nasty cunt wife. People are fed up with this bullshit system.
>>537525296you don't have to be a communist to realize how fucked we are, we'd be even more fucked under communism, but that doesn't mean we aren't fucked now>the culture warthis thread isn't about trannies
>>537519446He was a music major before he quit school to become a full time youtuber and pays noname influencers to come on his show.
>>537521232I'm shocked at the amount of people that thinks its a travesty to not afford to eat out every day. FFS the first job I had I made $62,000 a year and I still packed a lunch every day.
>>537525144Let me guess, you make over 50k/yr but still "struggle"?
>>537525296See>>537525435he is some fat brown piece of shit who has no background in finance doing a wannabe Dave Ramsey for retard zoomers while not attacking the real issues of economics and instead kicking the can and blaming the struggler.
>>537525443yeah there are literally thousands of these people shoved in our faces every day so you can pretend that's the only problem.and tens of millions more who do eat packed lunches and are still poor getting swept under the rug
>>537522760Most these faggots have a decent income. So he's right. The issue, the same issue with Dave Ramsey, is that for a significant part of the population their advice has not been a path to a decent life since 2008. The advice is not wrong but it does not address the earnings to housing cost gap that has become insurmountable for many. Their only response to this is essentially "git gud noob." But we can't have a society were 89 IQ plumbers assistants are doomed to a life of poverty despite working every day of their life and following the Ramsey-esque "Financial Peace" rules. Its basic bitch Boomerism where they think showing up at your job and not wasting money leads to the American Dream.
>>537525444No, I make less than that and am struggling
>>537525108Which is what you'll have to do if you don't know how to cook delicious food for cheap. git gud and also see >>537525378
>>537519446He looks pasty, doughy and soft, never worked a real job in his life.>cancel spotify and netflixNever had them.>come up with a side hustleI don't have rich parents to sponge off of to start a podcast.
>>537525564
>>537525564exactly>>537525590see >>537525564
>>537525564>Dave Ramsey (me)I'll add there's a reason why Dave Ramsey pivoted from financial advice for normmies to running conferences and show for the "entrepreneur class." His advice from the 90s doesn't work for the everyman, so he moved on to greener pastures.
>>537525647Plumbers actually tend to do well for themselves so that post is wrong isn't it
>>537525768shut the fuck up nigger
>>537525768you're nitpickingthe general premise is correcthouses cost almost a million dollars and its retarded and ruining everyones life except the boomers who own the homes
the guy is a huge faggot but americans are so fucking retarded with money hes right by default
>>537525822Concession accepted, your I
>>537524888>you'll have an extra retirement fund of $350kthat's the entire fucking problem anonanon needs that money now for a home, because DER BOOMER's entire financial solvency depends on how much life-long debt they can enslave a subsequent generation for to procure basic necessities of life.
>>537519446>Traps vulnerable people in usury contracts after telling them they have no other optionThis shit should be illegal.
>>537525850Yeah I'm not denying that it's a bit retarded. But you SEEM to be denying that millenials and younger don't have a spending and saving problem
fuck job gatekeeping hr bitches
>>537519506He is. You could throw infinite money at poor people and they’d still end up poor. For 99% of poor people it’s a mentality that is the issue, not income. If they had more they’d just waste that too.>t. Grew up around poors
>>537525861>”concession” from a anon he isn't talking to >your Iwhat a fucking dumb piece of shit nigger can you read IDs can you tell that the color is different from the one you have had the back and forth with Are ypu really a fucking nigger? Holy shit its really a stupid fucking niggerGuys its a real nigger >>537525861HA HA HE IS A NIGGER
>>537519446Gas station is hiring in my local mountain town with free campsites nearby
>>537519446He’s just telling people what they need to hear and likely already know. It usually not effective though unless it’s followed through with a boot in their ass. I’m actually one of those people who is not a go getter and benefits from tough love and a boot in the ass.
>>537521400A lot of it is, but the sort of people quick to blurt this out are always nepo babies, or just boring people who never went anywhere or did anything with their lives.Whether you're in poverty or not, if you've undertaken risks of any kind, some of them have failed and you're cognizant of the fact that you can be set back, making it much harder to move forward. So you wind up less judgemental about other people's situations. It's like whether people worked retail/service industry in their youth, or whether they ever played on a team sport. You can just tell from people's personalities whether they have or not.
>>537525973There is no need to be upset
>>537525282- get a roommate; split the costs in half- Learn to fucking cook, meal prep offers variety and cuts costs- transportation: buy what is applicable to your living/workplace location. Bicycles are dirt cheap, no parking fees, promote health. Small motorbikes are affordable, public transportation if available, a newer used fuel efficient vehicle like a Toyota or Honda. Cars with problems from the get go are expensive to maintain. Walk and save for a bike.- AC is a large part of the utility bill. If you’re just sitting on your ass, 78 is reasonable. Learn to open widows and close shades. If you’re busy and feel over heated, just a two degree drop in temperature is comfortable. Learn to use AC sparingly before you go to bed, open a window when it cools off. Same with heat. Literally no one dies from keeping their heat at 67 (hey, isn’t that the temperature you run your AC all summer at) and putting on a sweater if needed.- yeah, finding a second gig doesn’t hurt if all you do is shit post in your free time
>>537525768The whole super rich tradie after 10 years is concept a borderline fantasy. The vast majority of guys are just taking years off their lives for an average salary. People online who have never worked in trades have this fantasy where they tell others to just go be a high-rise crane operator or underwater welder bro or start your own company without understanding how niche those jobs actually are. It's still way easier/more profitable to just go to college.
>>537526086whoops, meant to post the bls data
>>537525896because they don'tyou're cherrypicking a few thousand high profile highly publicized examples and projecting that on to tens of millions of struggling people who aren't being retards. in so doing participating in a narrative that seeks to shift all blame on to a generation that has no power. instead of blaming the absolute state of this retarded kleptocracy.>the millenials can't afford houses because they buy avocados and iphones
>>537519446He’s a Ramsay clone catered to the younger generation. Just an empty, useless, fat mouthed nothing of a person. These zeros will clog up your feed with useless bullshit and you’ll watch it.
>>537525768There was a reason I said "plumber's assistant." As much as /pol/ like to dunk on tards, the IQ half of the (white) population is still less then 100. These people have to have a place in society. They used to have a place. And if I waved a magic wand and made it so nobody had an IQ less than 115, they still wouldn't be able to aford housing, we'd just have clever garbagemen. This ain't Socialist nonsense: I'm stating that the economy is not working towards the benefit of out nation (duh).
>>537525896You can't physically own much of anything since it's all subscription based. Boomers thought you were too turbulent so you're hooked on meds just to "function". Rent for a studio costs twice what mortgage does but you can't buy a condo because your credit isn't "good enough".
>>537519446>>get a jobhow do you get a job when you wont get invited for a interview? Its ridiculous watching all these people talking about their shit meanwhile I cant even land a interview.
>>537526191Extroverts need to die out, simple as. They're an inferior evolution..Always has been
>>537519446He’s like MohammadJudgmental and a fag
Elon Musk was just a working stiff like everybody else. Then he gave up the avocado toast, and just look what he's been able to do!
>>537519446He right though, most loser faggots thay complain about money waste on Uber eats, expensive/new cars, and housing that they can't actually afford.
>>537526186I like his show, but he's worse than Ramsey. As an oldfag I remember his show in the 90s. It went like so: >"I'm a factory worker with credit card debt, how do I buy a for for my young family?">"Given your income, if you let go of you leased car, sell you jetski, and pile money into savings, after 36 months you should be able to have a down-payment on a modest house."And at the time, it was correct advice. Times have changed. The idea is preposterous. Now I will say that despite being in a hopeless situation, ordering all you food off UberJeets is still stupid.
>>537526273I don't understand your point.
>>537521232In 1970 it cost 15000 hours median wage to buy a house.In 2025 it cost 50000 hours median wage to buy the same house.That's a multiplication of 3,33x time cost.Saving on takeout and subscription services only saves a percentage of your wage, usually 10-15%.That means in the best case scenario, assuming wages stay the same throughout, it'll take 42500 hours to buy the house with the same wage.But they won't stay the same. At this rate it'll take 150000 hours median wage to buy the house in 50 years time.Those are the fundamental mathematics which show that saving a buck on dinner won't solve your economic problem.It won't dent your economic problem whatsoever.This is something everyone instinctively feels, everyone except the Jew, and it's why masses of people get angry when you boomerbootstrap them.
>>537521232>$2-3 per day for a nice mealWhat are you eating that’s that cheap?>Loaf of bread $5>pound of sliced ham, $6>pack of cheese $4 minimumThat’s a little over $2/day to make a sandwich which contains about 290 calories, so, more like a snack than an actual meal.
>>537525879You do recognize that eventually selling the home is part of that boomer retirement strategy. There are a lot of boomers out there that have no savings outside of the family home (see old lady loses home because increase in city taxes). So yeah, boomers gonna boom and hold onto their homes as long as they can. The sale is generally enough to cover the costs of a retirement home and maybe one last nice car they’ve dreamed of for several years.
>>537519531get a job, hippy
>>537526534$2-$3 a meal. Many of the ingredients you purchase can be stretched out for multiple meals.
>>537526534$4 Canadian worth of lentil soup with some Ghee and spices (cumin, coriander, Turmeric, Ginger, masala) is around 500 calories
>>537526651A 290 calorie sandwich isn’t a meal, it’s a snack.Want to add fresh vegetables or slices of tomatoes to your sandwich? Well tomatoes are $2/pound so that’s like another 50 cents per sandwich, which doesn’t add a lot of calories but adds some nutritional content. You can eat literally nothing but rice and beans and survive but you wont be healthy while doing so
>>537519446Budgeting only goes so far. You have to balance it with increasing your income.The most important thing is spend less than you make. Budget hard if you don't have at least a $5k safety net.Once you have that, assuming you have stable employment and living circumstances, just find a reasonable balance where you're putting a little away, but still have a life. Getting from $50k to $100k salary will net you far more than screwing around with a couple grand in the stock market.Just resist lifestyle inflation when you do get pay increases.
>>537526771Nice AI slop picture
>>537526771bro why are there always the most retarded fucking indian jeetslop recipes posted when it comes to affordable mealsfucking eat ground beef and rice and go to the the gym. there's your affordable meal you can consume without growing tits and patrolling grindr.
>>537525282>eat 20gr of butter and 250gr of fatty meat every day (supplement with yoghurt and nuts/seeds and seasonal fruits)>don't rent in NYC>buy a car that's easy to work on>set the AC to 75f in the summer and 67f in the winter>work a $15/hr job or moreWelcome to life.
>>537526155>the overwhelming majority of zoomers are responsible with their money give me a break >1 Xiaomi for 6 years vs a new IPhone every 2 yearsDo you know the thousands of USD difference there? And it's literally just one thing
>>537521232>you can't eat out everydayStrawman. People can barely afford to eat at all>but muh average gdpMeans nothing when young people do not survive long enough to get into the higher paid age brackets19-25 year old gdp is 33k. The average 1 bedroom rent is 1550. Average utility cost is 250. When you factor in cost of maintaining an economy car, this leaves 9900 leftover. For everything. Once again this is another example of people pointing to welfar niggers to beat down young people who contribute to society.It is as dishonest as claiming all men are murderers because mostly men murder.
>>537521232you need to pay a VPN to pirate shit there? WTF. I've been pirating my whole life (saves loads of money), mostly books, movies and videogames and I never had to pay a VPN to do so. Also I've never, ever paid any kind of suscription.
>>537527000>people can barely afford to eat at all
We’ve had like 60 years where all of the wealth generation went to financial services firms and banks, like 20 years where all the job gains went to hospitals and women, and like infinity years of ZERO real wage gains. Anyone telling you the problem is budgeting is your enemy.
>>537526971>zoomers are all buying the latest iPhone every two yearsThis is just a boomer fantasy, in reality they’re walking around with the cheap iPhone SE models from 2020
It's sound advice from Mr. Hammer.
>>537527061She can afford to eat because she’s being given a bunch of free money by the government
>>537525544If anything its gotten worse with all these retards buying doordash.
>>537527077Isn't Apple breaking records every year?
>>537526771500gr of organic minced beef is €8.That's 5 lunches for €1,6.Spice it as you like, add an egg to each at leisure (maybe €0,30 a piece).That'll keep you going.If you use normal minced beef it'll be even cheaper.You can also fry a diced onion in the skillet and make what they ate during the Depression. Yes. We're there. Accept it and deal with it the same way everyone else has to.
>>537527152Boomers, Gen X and millennials buy phones too. Boomers are by far the biggest consumers
One more thing. Telling a 20 y/o that if he works like a slave, spends, nothing, and puts every penny into an index fund, he'll have alot of money at 45 is pointless. This isn't about delayed gratification. What fucking good to society is a man of 50 years and his middle aged wife. Young people need to be able to start their lives: otherwise, NO FUCKING CHILDREN!
>>537527152Corporations buy fleet cars.They also get business phones using the same business model.Those are usually cheap Samsungs or Apple phones.
>>537527077exactly, another of many boomer fantasieslike the "participation trophy" myth that was gaslit so hard even millennials believe it despite having never received a participation trophy themselves or knowing anyone who received one
>>537527216Their plan is just to make up for the lack of birth rates by importing more immigrants. These are the people who are responsible for the west turning brown so quickly. They voted for it and demanded it because it makes the line go up more on their portfolios
>>537521483rich people don't pay suscriptions, don't blow up money on nothing that is not very basic and cheap to survive. they keep all the money and invest some of it to obtain more money.i'm not rich (don't need to, also i have no debt), but i do imitate rich people and i try to spend the less money i can.also learning how to cook, clean, style and cut your own hair, sew, create most of the things you use, etc. saves you hundreds.
>>537527288Yes. And "social right wingers" like Dave Ramsey led the charge. Its all so tiresome.
>>537521232>>537527039This conversation is funny because we're all talking like brokies. Arguing over the best way to save $200/y to sit around and watch TV is sad in the grander scheme of life.Meanwhile, boomers/rich people are: golfing, sailing on private boats, sending their kids to sports camps, training for ironmans, traveling abroad, eating out, etc. Being able to afford most hobbies that aren't just consooming or basic bitch exercise like lifting/running/hiking is now reduced to the privileged, whereas it was accessible to the middle class in previous generations.
>>537527216Boomers drank cheap piss water beer and ate hot dogs made out of pig anuses while working hard. They didn't get free vacations unless you count a free plane ride to Vietnam if their draft number came up. You zoomies are fucking soft. Nothing is stopping you from drinking Miller lites and Bar-S hot dogs at home if you want to boomermax instead of paying 40 dollars a day on doordash.
>>537521920>earn more than you spend>cost of living increaseshaha you're fucked! thanks boomers!
>>537521920>$400/mo at the gas stationI spent $400 on gas this past month because the President decided to start an unprovoked war that lead to high gas prices. How do we counter that?
>>537521695>I don't need a car because public transport actually works where I live and it's cheap. I walk to most places anyway.>My houses are inherited so I paid 0 € for them.>I cook my own food and/or pack a lunch. Never eat outside.>I listen to music for free online, 0 €.>I don't even need to get a VPN to pirate.I don't understand why people spend so much money on shit they don't really need. That's a poor people thing to do. Rich people are stingy AF.
Holy shit work sucks
>>537527246In all of my years growing up I think I saw maybe one school sponsored event that was handing out participation trophies. Most of them ended up going straight into the trash and had zero formative impact whatsoever. The way boomers seethe over participation trophies almost just comes across as jealousy that they didn’t get participation trophies while they were young so now they’re hyper fixated on it.
>>537526839You’re right however if you also include pastas, in season veggies, couponing, and sales, you can eat more than just $1 sandwiches for a meal. Bagged salads are reasonably priced and portion out to about 4 meals per bag.Just me and the wife. We don’t need to eat cheap but it just kinda works out that way when you are just cooking for two so I have some understanding of how cheap meals work as well as the logistics of having fresh food w/ minimal waste. The funny part is the grocer’s reluctance to sell portions for just two people. There’s a lot of couples who could benefit from the smaller portions simply to avoid waste or eating the same meal twice. Fortunately, American portions are large so we just add an item or two for the both of us. Breads is only around $3 a loaf and makes 8-10 sandwiches. Costco eggs are ridiculously cheap for 18 or 2 dozen. Good place to stock up in bulk on dry goods.
He's onto something with Veterans disability fraud, but he does cherry pick people to find the worst of the worst>Every veteran is 100% disabled!No, just the ones he decides to interview.It's all about making good content.As a veteran, most vets are crybabies welfare queens who DO NOT rate the 100% disability for "suicidal thoughts" despite never deploying and working in a warehouse for 4 years.
>>537519506First comment always a kike demoralization comment by senile boomers.
>>537527672The boomer men seethe about participation trophies because it was the boomer women that won and started them. You can't make fun of gay woke shit and then also seethe about boomers that say participation trophies were gay and stupid.
>>537521232Why should boomber get away with that. We need to lynch boombers and take their wealth.
youtube grifting has gotten out of control.if you're not careful you end up browsing these useless faggot vids where they just talk about problems, or say stupid common sense shit like "pack your lunch instead of buying $15 chipotle". no shit retard, we knew that since forever.starbucks has always been an unnecessary expense. if you make instant coffee at home it costs $0.10 a cup. even at $1 per cup of coffee (which is not found anywhere in the US unless you count casinos where you tip for it), you are still overpaying.when you eat out you're mostly paying for the service, AND on top of that you get charged tax and tip. the food quality is rarely even stated (how often do you see the menu say the eggs are organic pasture-raised, or the beef is 100% grass fed?). ordering takeout is horrible value. it is just convenient since you don't have to cook and clean.
>>537526888Ground beef has gotten expensive; you’ll need that gym time to offset the damage burgers do to your heart- Hamburger is full of steroids and preservatives.
>>537527061You just admitted you don't read.
>>537522238what about the third worlders who are already scamming in 1st world countries? how do you wall them off?
>>537527726>There’s a lot of couples who could benefit from the smaller portions simply to avoid waste or eating the same meal twice.This is why I don’t buy bulk/wholesale shit, it always ends up going bad before I can finish it all
>>537519446>>you need to budget2bf... Even though it's obviously not going to make you a millionaire overnight, I have family members that literally dump money down the drain on stuff like it's going out of fashion and then complain about being poor.E.g. spending over a thousand bucks on water surcharges per year for water they're not even using. Etc.
>>537527429>free plane ride to VietnamThis is my favorite Boomer cope, and you rarely hear it from Vietnam vets, just faggots who were in college dorms or music concerts at the time.
Budgeting helps a little, but it doesn't fix the three actual problems, especially if you're a single person. #1: WAGES HAVE NOT KEPT UP WITH INFLATION.I ran apples to apples comparisons on the inflation issue using an average postman's wages in 1964 compared to the price of silver in 1964 (last year we were on the silver standard), and then doing the same thing with gold in 1971 once it was legal and no longer at a fixed price. Then I compared them to current gold/silver prices.In 1964, your friendly neighborhood postie made an average of $240,000 in modern money. In 1971, it was $205,000.#2: Time is money too, especially if you're single. Sometimes it's a better idea to grab fast food if there's something that needs to get done urgently.#3: Connections are difficult to make if you're not a normie. I had a good idea for an invention yesterday, but even if I went to the time and effort of learning what I needed to make it work and spent the money that I don't have for the prototypes, I would have no way to get enough publicity for a Kickstarter.
>>537522473So true, but its still possible to get into a thing thats already running.I am currently running someone elses 5 generational business (farm). The owner had an accident and is in a wheelchair now. His dad came out of retirement after his accident (hes >70 years old) and basically they were desperate as shit for someone to keep everything running, even if that person didnt technically have the right qualifications/experience.Theres always a way bros. Never forget the boomer will run out of time way before we do.
>>537527916The only skinny zoomers I've seen at the grocery store are rich. All the fat, swollen, disgusting poors are eating to the point of popping. If you're "starving" in the USA, you're fucking retarded.
>>537521478You are correct. The kikes will demolarize you in reply saying there are smooth paths available.
>>537522760>Dr. Phil type shitI’ve been telling my wife (who watches this) that this is just the modern equivalent of Dr. Phil. In any case, one of his earliest videos, which was a street interview with an unrepentant debt maxer, was genuinely hilarious and was the peak of his content.
>>537527840Well, boomers have worked a much longer period and were able to acquire wealth over a lifetime, not the first two weeks after graduating from Highschool. Give it 20 years or so and if I’m still around, maybe we can continue this conversation.
>>537521821>Jew>brownSo being White is actually being a kike? Thanks. I will stay brown.
>>537528180>your friendly neighborhood postie>$8,500 in 1960 is equivalent to $95,630.74 in 2026 dollars.Christ, its so bad.
>>537519446He just gives you the best play you can make with shitty cardsHe even has a second channel where he makes docs about the shit destroying our economyI hate when boomers say the same shit to people who already budgetThen the same boomers vote for more immigrants (which cause all our problems)
It is literally part of a psyop to teach people "Spending money bad, budget cuts are the only solution" so that when the federal government eventually says shit like "We cannot pave highways because budget, we letting private equity take that" you just accept that as the only solution and natural way of things.
>>537528077There are always people who are stupid and bad with money.That has absolutely nothing to do with the objective state of the economy. It might very well be that your friends are financially retarded and could be making wiser choices. The problem is, no matter how hard you budget, now matter how much you cut back, you are fighting an uphill battle against a degrading economy for workers. I respect the grind that some people are on making the most of what they have, but these threads are meant to serve as predictive programming and “soften the blow” of the third world future that awaits us all. Standards will continue to get lower and lower until there’s literally no difference between America and Colombia as far as quality of life is concerned. The days of being a stand-out #1 kind of country and the envy of the world are loooong gone.
>>537522743>what is gofundme / givesendgo
>>537526531Again, I didn't say it was fair, but is spending $75/week on panda express and chipotle helping your situation? This doomer "I'll never own a house so I may as well give up trying" bullshit isn't going to make the situation better. While it's harder today than it was yesterday, that doesn't mean it's impossible. While it won't solve the problem, cutting out expensive crap will help
>>537523091>Implying these are not kikes stealing the idea and effort. You failed at reading first post of this thread. Do one thing: Buy a shotgun and kill your nigger fucking mother for pooping you out.
>>537526103Depends on the location.It california, not much because there are so many, but I know in my area (NY tri-state area) guys are getting over $100 an hour because there are so few of plumbers working here.
>>537521821So how many millions have you grifted from kickstarter? Surely you’ve done this yourself since it actually works?Just kidding, we both know the answer is $0 and you’re just telling people to do something you’ve never done yourself
>>537526534Bone in chicken thighs can be found for $1-1.50/lb if you go on Wednesday. Beans and rice are dirt cheap. It's a healthy filling meal that I can make on $12/week of ingredients. You don't have to buy ultra processed crap
>>537523594It's your fucking White people who are struggling in the West. All the thirdies are given first class citizenship on arrival. Tell me you are a kike without telling me that. Faggot cross dresser. Back to oven.
>>537528350The largest jump in money getting worthless was right when boomers were getting jobs.>>537528360Dumb zoomer commie take. The roads were always paved by private corporations with money from the government. That's how it works. Do you also think NASA built the rockets in the 60s and 70s? It was all farmed out to Boeing. Shit never changes.
>>537528504>Bone in chicken thighs can be found for $1-1.50/lb if you go on Wednesday.Where? Does this Wednesday special happen anywhere other than the piggly wiggly in bumfuck Alabama
>>537528247The problem is: you have no desire to follow the smooth path. You want it all now. Requires patience, experience, and time. It’s just like investing. Eventually there will be a payoff. Until then, work hard, play hard. Look for the opportunities that move you ahead.
>>537528504save your breath, anon, these niggers can't cooktheir families are 3 generations deep into drive-through deep-fried cuisine
>>537523947>shitskindPajeets are enjoying life in the West. They aren't complaining (yet)
>>537519446I bet you’re super happy about our open border migration policies, and having all your jobs replaced by migrants huh?
>>537528650Anyone and I mean ANYONE can learn to cook in like 2 weeks with a little bit it of research and effort. You’re not special
>>537521232>in terms of personal financial choicesSure I agree>in terms of the grander scheme of thingsFuck you and this gay earth, we overproduce everything yet can barely afford to live
>>537521400>>537521551>now that crowdfunding is more accessible than ever.That was a decade ago. America's middle class no longer exists. There's no mass of normies with infinite spending money browsing to hand it out.
>>537528582>pce>cpiLMAO
>>537528223So not only do you refuse (are unable to) to read, you think mainly in circular suppositions
>>537528582>Government contracts are the same as the total for-profit privatization of a sector>Calling anyone else a dumb zoomer
>>537528622Why would I file a patent working in NVIDIA? Would you do?Why would I take Jewish loans to hire bunch of IT guys? Would you do?Why would I play the money game owned and operated not by my father and grandfather but fathers and grandfathers of some kike raping children in an Island?Why would sign marriage contract when I blatantly biased legally?Why would I personally, single handedly build something that will eventually be acquired by kike after I am found with two bullets on the back of my head; deemed suicide?Your whole argument is: move from eating home made sandwiches to McDonald's goyslop by putting effort into a company that would take 20 years of my life because that is worth the effort. Nigger. Kike. Faggot.
>>537528881Kek this. When’s the last time you heard of anything related to crowdfunding other than “help me pay for my lawyer and medical bills”If anything it just exemplifies the abysmal state of the modern economy where e-begging and grifting are considered the best side hustles for buying food… I wonder how many anons ITT have made more than $0 from crowdfunding on kickstarter, let alone delivered on their promises to their backers
>>537519506ALL OF YOUR MONEY GOES TO JEWS AND NIGGERS
>>537528943What were those "big public paving companies" that you loved that got shut out by private equity?
>>537528360Do keep in mind the cost of living has increased every single year since 2009 but the federally mandated minimum wage has remained at $7.25 since then. Every single threat of "Everything will just cost more!" has already been realized without that number moving an inch. Every single threat of "Small businesses will shut down!" has already been realized without that number moving an inch. Every time there is an excuse why minimum wage does not move, there is that precise excuse occurring in real time without any adjustment anyways.
>>537529107If you want to be a bottom of the barrel, bottom-feeding minimum wage employee just move to a state with a higher one like Washington, California, or Oregon. That will solve your problems.
>>537529107>muh minimum wageNobody earns minimum wage. Even fucking walmart starts at like $15 an hour.
>>537528414>Those seats.peng
>>537529106>The future will eventually be bad in ways that seem silly and impossible to us even now>Really, then point to all the times where that specific example has already happened in the past!Holy shit, I got baited by an LLM because there's no way a real person is that retarded. I'm almost that retarded for falling for it, but not quite.
>>537528355Doesn’t make sense, I thought boomers were all Republicans. Stop blaming the boomers and go after the corporations that encourage immigration and decrease employee numbers. Start blaming the influencers you grew up with who have convinced you that everyone has access to easy wealth. They lucked out, not everyone does. They are by no means representative of a real society. Don’t blame boomers for holding on to their homes or getting what people are willing to pay. I’m sure many of them would love to downsize to a cozy little apartment but most don’t have the additional $1800 as part of their current budget. To many, home is part of their retirement plan. Instead of $250k socked away in a 401k, they live in their investment paying far less than apartment living. Retirement home? Stupid expensive and only as a last resort. Boomers don’t really have a lot of options but to stay put. You could aim your ire at those corporations buying up all the entry level homes. Also, most boomers don’t buy investment properties outside of the one they live in. That genx and millennials buying up those places to flip or rent. Most boomers are too afraid or don’t want the headaches in their golden years.
>>537521232>Buy a VPN for $90 for 3 years and learn to pirate.In a thread where we are talking about disgusting pieces of millennial filth like Caleb this post serves as a reminder that many zoomers must also die if Gaia is to be cleansed.
>>537524897>live 10 miles awayIt still takes 25 minutes minimum and going back is at least 40 minutes because every fucking boomer yankee doodle fuck fled their communist shitholes
>>537528963>Why would I take Jewish loans to hire bunch of IT guys? Would you do?Yes. If you can take out a business loan and start a company and hire people, possible getting access to venture capital as well, you should do so. The cost of failing is just that your company goes bankrupt at which point you take some time to plan on how to do it again. You're not going to be sold into slavery or put into prison for not paying a loan in any country that's even remotely civilized. >india flagoh yeah, sorry forget I said anything
>>537529434Millennials can pirate, it's gen z and boomers that are computer illiterate
>>537526013And the show in question largely isn't about those people. There are certainly people who get fucked, but they are not the target of these shows because they are only temporarily fucked as they adjust. This is like bringing up medical exceptions when talking about abortion. For the vast majority of people in bad debt, they are there because they are retarded and value short-term gratification, not because some random life event totally made everything fall apart.
>>537521444You don't have those resources, poorfag.
>>537529337Crying about private equity is one of the funniest things leftypol retard tourists do here.>You can't just take the failing public company and buy it at a low price and then gut it for the good parts and drop the bad parts! That's rape! Lmao.
>ancestors of people who have lived in this country for 120 - 300 years have to live in worse conditions than people who showed up when Biden was presidentInstead of "budgeting" maybe you should ask why the people who occupy every corner of political power decided to pull the ladder up behind them, and rather than allow their actual relatives to live the same quality of life they did they're instead offering that promise (generally not even the reality; the promise) to dumb brown people who will prostrate like slaves and do 10x the work for 1/4th your living wage.Actually nah that's stupid, you should pack a sandwich and pull on your shoelaces or something o algo
>>537528785>research and effortniggers and spiritual niggers cannot do eitherso yes, that is special seeing how fewer people do it every day100 million Americans eat fast food each daythere are definitely anons here that get all of their nutrition from junk food and fast food
>>537530006Peter Pan grew up and became a pirate. Lol
>>537530006uhm actually you should prop up failing companies because otherwise everyone who works there literally get throwns int a volcano and all their assets gets blown up with nuclear bombs
>>537523888You are fucking annoying. I just checked the front page myself. There are five "featured" items.2 engineering things1 pinball machine1 card deck1 board gameYeah tell me how a board game requires great in-depth knowledgeThat said I would argue against his main point, that the average person should be expected to be a bastion of creativity to escape poverty. He should be able to have a sufficient income from merely working a job. Participating in the economic system should allow you to live in it.
>>537530256There’s more cutbacks to the Department of education. I swear, those in charge are intentionally trying to dumb us down. Just what we need, more UFC and less doctorates awarded. Clown State uber alles!
>>537519446A lot of Americans live above their means though. They see other Americans on tv with tonnes of shit. So they spend like they earn like that.Some people have a hard time accepting that they are poor/working class and need to learn to live like that.
>>537519446This guy is a loser with no job prospects, doesn't follow his own advice, he only has money because he gets on his knees for kikes and countersignals against the goyim.Doesn't even engage with the content. Its just "bro just spend less don't worry about it i dont want to hear your excuses just sell plasma and beg your kike gods for mercy, idk just live in a box why do you think you deserve a place to live or dignity just let niggers rape you bro its just the way it is you gotta save money bro"
I believe the best way to make serious money in this day and age is by learning how to ride financial bubbles. Bitcoin some years ago, AI stocks now. Everything else seems more risky and unfeasible
>>537530402Board games often are played with an infinite amount possible moves. Sure this play requires you roll a 7 but what unknown possibilities lie ahead or the likelihood that this exact same scenario plays out in the exact same way. No two games of Monopoly ever turn out the exact same.
>>537519446>get a jobThat's the hardest one right now. Nobody is hiring unless you're a poopjeet or a woman.
>>537519446>i am just not making enough moneyTo be fair, I've only seen a few episodes where people are legitimately making not enough money. And even then only a few are spending more than they can actually budget themselves out of.The majority of episodes someone is dumping all of their money into stupid and shit and are tens of thousands of dollars into debt. Doing stuff like buying a brand new car instead of a shitbox and putting everything on credit without paying it off.He *does* also give out the career certificate bullshit, but I have no clue how helpful that actually is.If your issue is solely you need a job then why would you go looking for financial advice? You already know what you need to do.
>peasants argue how to save money thread #83091
>>537519446Increasingly "boomer" is becoming shorthand for someone who has common sense and has their shit together as a result.
>>537530596It's funny how much he makes people seethe by pointing out spending 800 a month on fast food is a bad idea if you can't pay rent.
>>537530863The guy in picrel never even had a real job. He went from student to Youtuber.
>>537519446>>537519506>>537521232>boombeasts born into an economic golden age where all they had to do to succeed was not pick up a drug habit>somewhere along the way they figure out that if they don't spend money they will still have that money later>lacking the cognitive horsepower to realize this isn't an infinite money glitch, determine that they must be an economic genius for discovering this>as such they are now entitled to barge into every financial discussion on the planet and smugly tell people that if they just lived on bugs and water they'd be able to afford that down-payment on an exploded meth lab on mlk blvd. in 134 years
>>537519506FPBP. People that complain about Hammer have never watched the show. 99% of the time the guests make nearly six figure incomes and spend it all on luxury slop, gambling, crazy expensive cars, and DoorDash. Not a single person has ever actually been a victim of the economy.
>>537530771401k’s seem to miss out on all the highs but allows one to ride out the lows with minimal risk. Investment requires both risk and dumb luck. Some of my biggest losses were well researched whereas some of my best days were impulse buys. Feels like a toss of the coin most of the time. Never bet what you can’t afford to lose. I have a low tolerance to loss so I keep my bets in check.
>>537530989Look at him. He spends that in a week.
>>537531096Caleb Hammer did to the financially retarded what police bodycams did to the jogging community.
>>537519446I want expecting to find so many retarded zoomers on /pol/ who externalize all their problems, refuse accountability and seethe at the thought of cancelling their consumer goyim slop.Caleb is absolutely right about everything. Every single person in this thread can find a second job, learn a new skill, trim their expenses. If you don't do it, you're going to die poor and it's going to be 100% your fault.When I was working in my 20s I rented a tiny bedroom in a beaner neighborhood for $600 a month. I budgeted and saved and invested half my income. Yet you little faggots waste your money on doordash, video games, avocado toast and onlyfans and you want to pretend like it's not your fault you're poor. Pathetic
>>537531168He's a millionaire. He can afford to.
>>537530863But Trump says this is the best economy ever! I don’t understand. Look at the record stock prices. You just aren’t really trying.
>>537519506He is. Now the show might be a more sensationalist Dame Ramsey for a demographic that is everyone younger than boomers and he hand selects the biggest retards...but he's still correct on budgeting.I'm a college dropout and smarter than these retards on his show. Once you make enough money, you can actually budget and save as appropriate; only the boomerest of boomers, ones that would end up on these types of shows, would say wage disparity don't real. Those same boomers by the way, are going to get raped into retirement by inflation. How the US could ever fix this problem, I don't know, but giving retards too much money seems like a unique American thing. Wealth disparity and availability of good paying jobs is a problem though. And any housing shortages will never get properly addressed in the short term. Oh, there's a racial demographic collapse coming too. Look throughout history and you'll realize it's not the first time these things have happened. What might be unique is just how much material wealth we have and how bad of an attitude it gave to many people. I hate them all, from boom booms to zoom zooms. If you can't manage material, it manages you. And if it manages you, you shouldn't have it, you've had too much.
>>537525952This. I have family that CONSTANTLY buy new shit when they are struggling. My uncle is constantly on the edge of poverty despite making good money because he and my aunt blow it on expensive vacations, fancy alcohol, and expensive clothes all for clout. Meanwhile their 3 kids(now adults) are struggling because they had zero support growing up. They are fairly self reliant now which is great, but they are all deep in debt because they never learned proper spending habits and have to fund their lives completely alone. MY parents had to help fund my cousins wedding because my uncle was paycheck to paycheck. Then later at the wedding he bragged to me about a fancy gun he was going to guy with his next bonus check. Being poor is 100% a frame of mind, no amount of gibs will ever change that.
>>537531127>Never bet what you can’t afford to lose.over 50% of stocks are owned by the top 1%unless you have a job you do not need to show up to, paid off primary residence, content spouse and grown children, you are always risking what you cannot afford to lose
>>537519446Live within your means, it's that easy. I live off gibs and only get €1100 per month, and I have zero debt. It's insane how much money people waste on streaming and doordash, they're giving away money to jews and jeets every single day.
>>537531197Fucking kek, great analogy. Hammer is so much better than Ramsey. Ramsey comes off as incredibly smug and gives out lame advice. Hammer digs deep to the root causes and calls them out, while still being very humble admitting his own mistakes. He also praises the few good qualities of his guests.
>>537530989Who the fuck has $800 for fast food but can’t afford food in their own kitchen? Fast food once a week, learn to pack a lunch and cook at home. The wife and I food budget monthly is less than half of this and we eat fairly well.
It's so funny for someone to have a new car payment and regularly use meal delivery. If you don't like to drive, buy an old piece of shit. If you insist on eating fast food, why not drive 15 minutes and get it yourself in that new car you pay for?
Didn't this guy make $10,000,000 and somehow got a spot on Rogan? Kiked up methinks.He's like the zoomer version of Dave Ramsey. "Advice" ranges from idiotic to basic common sense.
>>537519446>MemeflagDidn’t read faggot
>>537531523I'm 36 and since the beginning of food delivery apps I've refused to use them. If I can't drive 10 mins to get the food myself then i'm eating at home.
2pbtid thread by the way
>>53752606967° is not bad in the winter. that’s not turning off or down the heat tho, are there people keeping it warmer than that? for me turning it down is like around 60 or lower, that’s not just wear a sweater, that’s miserable to live like. I don’t get why we are trying to normalize living miserably. Like yes everyone should be cooking and meal prep and outside food should be a treat until/if the prices ever go back to being cheaper than cooking. But heat in winter isn’t one of those just tough it out things. I’ve worked three jobs just not to be able to afford my home city rents. I’ve been without heat much of my life, sometimes one room had heat for a whole place. It sucks. I’ve lived in a cold basement with just space heaters for over a year that also sucks. We shouldn’t be normalizing that. AC should be for the hottest days and to bring it down to 75-78° otherwise use fans. Take cool showers. Drink ice water. Learn to cook or marry a girl who can (or can learn). The reality is boomers need to sell their homes to young white people, at half or more the price they think it should be. Otherwise it’s not a matter of spending too much, it’s just unobtainable. Not to mention all the jobs are gone either over seas, replaced with AI or slavejeets, so where there are cheap homes there is no work. Yes yes put the fries in the bag, which still won’t pay enough to rent the boomers basement, let alone down payment on the rundown house that needs more work than it’s worth.
>>537531540He is very successful, but if you watched the Rogan episode he’s very clear about it. He states he made a ton of mistakes in his youth, incurring debt and getting a trash degree. He mentions he is very lucky and does not recommend anyone bank on being internet famous for a career.
>>537531521When you can pay over 6 weeks, it's practically free!
>>53753160430 here. I just stopped getting fast food in general. The price is ridiculous even before delivery charges. And the quality is so terrible. There are only 1 or 2 places I’ll still go once or twice a month, if I’m cray busy. But cooking food and meal prepping is cheaper and better by far.
>>537519531>>537521444>>537522207>>537525174> move to cheaper place> Save money> Invest/saveWin ? Except zoomers all want to live in the same few square miles of ultra expensive downtown districts and buy guyslop temu products all day.
>>537528360CONSUUUUUUMMMMMM
>>537531095Nothing smug about it, young man. Just passing on a few tricks of the trade as it were. Been there, done that, now we’re sharing the cheat code that worked for us. It’s your job to tweak it to make it fit your lifestyle. You want to be all pissy about free advice? Don’t care, not my problem, go be angry somewhere else.
>>537531209If you’re going to work a second job, do it before you have family. It’s essentially like creating a duel income even if the second job is just pissing around money.
>>537531755>But cooking food and meal prepping is cheaper and better by farit's also faster, niggers literally waste dozens of hours per week idling in drive-throughs
>>537532100Brother I have a person war on drive through. I will die on the hill that drive through are not faster, not easier, and way less convenient than just going inside. Maybe in the 60s it was better, but it’s been awful for a long time. It’s the worst thing you can do when trying to consoooom fast food.
>>537531209That’s a little harsh, bruh. The Japanese kids were out buying sports cars- in Tokyo no less— simply because they had the income but no hope of home ownership. I think that’s what’s currently happening now- kids living for the moment because they aren’t seeing a future. Back in 84, I prepped my 64 Chrysler with an oil change to make the journey from Maine to Arizona with only the possibility of landing a landscaping job for $6/hr. I had a lot of optimism running out the gate even after discovering that the idiot who replaced my oil filter botched that one simple task and nearly cost me an engine going into Massachusetts.
>>537522207>I don't have Netflix or Spotify, so there's nothing I can do to reduce the amount of money I spendI can see why you're poor.
>>537532100It’s still quicker at the drive thru. Bonus if you’re actually doing something productive on your phone.
>>537532699No control over your utilities usage?
>>537530402already addressed see >>537524443
>>537528414My point is not that spending that much money every week is bad.My point is that saving it doesn't help the situation at all. You're not saving enough for it to help even if it's $100 per week.
>>537519506Cancel Netflix and SpotifyDon’t spend money on anything >at this point, why even live?Get a job where you can save up $100 each month. >what if anything comes up? $100 a month is nothing. >That won’t help me at all. So I have no life and not really working on a solution. Side Hustle!!!!!!!>so the job and saving on Netflix doesn’t help?>what kind of side hustle? If it’s so easy to side hustle, then everyone would do it. Guys. He pays people to be on the show and gives them ridiculous advice. Unless he can map out an exact plan, there are s no such thing as a budget.
People are just talking past each other. If you bring up that spending power is collapsing and the middle class has stopped existing you get told to pack a bologna sandwich. They just won't acknowledge what you are saying because they don't give a shit and want to status flex on you. Also if they acknowledge that the system is broken they would have to acknowledge that they got lucky in some capacity and their egos just can't take that. If they are on top then the system is working fine but if you are having trouble it is your personal failing and not a problem with the system.You have to just accept that the people on top simply aren't interested in hearing your grievances because they have no incentive to do so.
>>537528488>>537528881>>537529039see>>537524103
