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Advice for poor people is always shit like:
>Just work 20 hours a day, eat a piece of toast as your only meal a day, and don't spend even the most miniscule amount of money on anything that gives you even a little bit of stress relief
>>
>>538106874
>the most miniscule amount of money on anything that gives you even a little bit of stress relief
youre spending hundreds of dollars a month on goy slop delivered by jeets, weed, and vapes you useless nigger faggot
>>
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>Uuummm rich people never have any fun so just work hard haha
>Meanwhile rich people spend their day on yachts, golfing and fucking minors
>>
>>538106874
I'm sorry that you can't have caviar and filet mignon for every meal, but we're not going to restructure all of society so that you can.
>>
These anti-ads are annoying
>>
>>538106874
Reminder that that fat faggot never worked a day in his life. He went from college as an arts major into being a full time Youtuber.
>>
>>538107319
Wealthy people do that. Rich people mostly work like dogs.
Millionaires are high-level wagies. The people who enjoy yachts and idleness are much much wealthier than that.
>>
>>538106874
Actual advice. Get a job at a restaurant, steal food. Get a job with valuable items, steal them and put them on ebay. Get a job with a corprate gas card, bring your own 5gal gas can and fill it up(i didn't pay for gas for 4 years lol). Get a hotel bartender job, make connections with customers and get a better paying job.
>>
All such advice along these lines, while not incorrect, is kind of missing the point in that the idea is to cultivate a psychological environment and behavioral profile where it just occurs to you do this sort of thing, and you actually have the self-discipline and motivation to follow through on it, ALONG with taking steps in every other area of your life to improve your situation. Yes, living a miserly existence is not going to fix your life if you're still working at McDonald's. But if you
>stop consuming mcslop
>stop doing drugs / drinking / vaping
>get in shape
>get enough sleep
>socialize
>develop interesting hobbies
>work towards getting training or education
etc. etc. then that all adds up to eventual success. The important thing is being in the headspace where you can actually do these things consistently over an extended period of time, because it's not some great mystery to figure out but rather just being able to make yourself do them
>>
>>538106874
>avoid unnecessary debt
>live within your means
>avoid overpriced services like doordash unless you can afford it
why do zoomers get so triggered by his actual advice
>>
>>538106874
That shit doesn't work, you have to make more money. Stop being a wagie and go do something yourself. That's the only way to make real money. You don't get rich working a job.
>>
>>538108238

It's still a gamble, all that shit doesn't necessarily work
>>
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>>538106874
That would unironically cause prices to spike since everyone is selling to the higher earners and not the entire underclass
>>
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>>538106874
99% of the time his advice is super basic financial common sense.
>you have a 2000 a month car payment
>maybe sell it and get something you can afford
You ever considered the fact that you're poor for a reason?
>>
>>538108418
Same reason they don't want cars or sexual partners. They very literally are afraid of leaving the womb. This first iPad generation is a devolution of the west, possibly humanity.
>>
>>538107436
that isn't true, he shlepped as a jimmie john driver in college, dropped out of college, sold music small time and then went into sales and made a shitload of money before jewtube.
also very gay.
>>
>>538106874
Nobody wants to give a generation of disgruntled men actual tangible financial advice
Because that would more than likely lose them their platform and result in either violence and bloodshed or a collective rejection of the satanic luciferianism and embrwcing Jesus Christ

This lukewarm wishy washy cope is just engagement farming for pathetic platitude philosophy and amateur hour glowniggitry
>these people dont exist and its a script
Ill gove the benwfit of the doubt thought and just state plainly, that man is a creature of comfort; lazy, entitled, and fucking retarded above all measure of rationale and intellogence by any metric or standardization process

The mark of the beast will Prove who is and isnt a faithful steward of Almighty God- or otherwise a son of amalek bent on their assured destruction

Forgive the christian overtones, but it really is black and white at this late atage of post modernist faggotry; nobody is fixing the problems they created, the mark of the beast is an economic singularity of technocrat dystopia few can even comprehend as we build its infrastructire herr and now
>>
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>>538106874
>Advice for poor people is always shit like:
if you are a fem with tits, get on OnlyFans asap
and get those incel paypigs hooked
>>
Was a poorfag, started saving any bit of money I could....my savings were just a war chest for emergencies for a while....kept saving...put money into market and a high interest savings acount....every dollar counts...lived upper class poor, eventually got a better job.....still kept saving/money accumulated through interest and dividends, stocks have grown but that is a longer term play.
I am doing great financially, I literally did every common sense thing that every person who isn't a poor fag has done for generations.
Or you could piss it away on frivolity and nigger impulses, then continue to bitch and complain.
>>
>>538106874
I hate this fat smug looking faggot. All he does is teach you how to be a better gentile
>>
>someone fat as shit telliing you to nibble on toast when we live in the wealthiest and most abundant location on earth
Fuck you, go back to the drawing board fix it. or bring on the socialism
>>
>>538107421
I am curious what their intention is as he's genuinely smarmy/gay/reddit feeling so-
I agree and will continue to not check him out or show any interest, thank you OP.?
Do you think they're taking "They're just being contrarian" a bit far if they think this stuff'll land?
>>
>>538106874
>people who start lower have a harder time climbing
Oh noooo how horrible reeee

Shut up bitch
>>
>>538106874
Ok, are you offering me _your_ job? Think carefully, your life depends on it.
>>
>>538106874
When you're 50 and can't work with no chance of a decent retirement you'll think back to 25 years ago when a fat faggot posted in a /pol/ topic actually gave you good financial advice but you either posted a sarcastic comment or did nothing.
>t. someone who had the right advice 25 years ago and did nothing
>>
>>538106874
Virtually all poor people:
>work insufficient hours
>spend 2-4 hours of wage on lunch
>buy utterly useless shit with their money
I’m not talking about a movie ticket or a six pack of beer, I mean useless Knick knacks or designer brand garbage (Nike shoes)

You know Dave Ramsey? He used to be a lolcow here but he never really changed his tune:
>get out of debt, don’t buy shit you can’t afford.
This advice blew my aunts mind and absolutely changed her life.

Point being, most people are complete retarded with Jew-fried brains.
>>
>>538106874
>Advice for poor people is always shit like:
>Just work 20 hours a day, eat a piece of toast as your only meal a day, and don't spend even the most miniscule amount of money on anything that gives you even a little bit of stress relief

maybe if you watched more than 60second short from some retarded griefter that tries to monetise someones else content, you would know its not what hes saying.

His most advices (if you ignore the white/black/latino trash bashing) is:
"dont spent more than you make"
"you dont need expensive things if youre struggling"
"get rid of expensive XYZ if it drags you down"

not my fault you got butthurt at someone who speaks common sense about not indulging in everything and buying everything the very moment you wish for.

Stay poor and mad faggot
>>
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Here's my advice to poor people.
>Don't have any emotions tied to your coworkers
>Stay in shape. Drink gallons of water, take supplements like zinc and niacin, buy as much lentils and meat as you need to achieve 200g protein a day. Bake bread.
>Don't look at your bank account. You may go months without seeing it go up. Stressing over this makes you a slave.
>Hoard cheap things online. Learn Aliexpress and Amazon and ebay. You can live like a king.
>Understand that money is a tool to appease women and jews and that it has no value to you.
>Don't save money. Inflation ensures you're always working for nothing. Your "real life" won't "begin" at some arbitrary dollar amount. Retirement is a scam.
>Gamble. Gamble all your money and never stop.
>Abuse stimulants before and after work but not during.
>>
>>538106874
If I were on his show, I’d probably give it like 2 or 3 minutes before I start going in on him for being a a fat ugly Jew, and then pop out at his dumb nigger friend when he chimps out
>>
>>538109490
LOL someone got triggered
>t. Already retired with FIRE
Umad?
>>
>>538110483
>advice to poor people:
>buy meat
Okay, boomer
>>
I became a lawyer and now I want to kms. Working is fucking gay.
>>
>>538106874
Do you have another option?

You will find your self in a situation
When
: 200 ¥ repair prevents 1000¥ in damage.

And you wont have enough.

The world may collapse in a year, but you are not living 1 year from now

Nor do you have perfect foresight (if you did you would have bought bitcoin way back when).

Besides: a lot of it comes down to...debt, debt, debt , debt.
More debt
And not looking at what YOU spend money on.
And selfishness, brand royalty status simbols, internet trends and trading your future for present enjoyment.

I need this RAM V8 at ridiculous interest.
I need the 7000 horsepower 10 lidr V8 suprchrgered modur, to haul my 500 lbs of cobstruction shiiit

I DESERVE an overpriced disneytripp

Im gonna get rich off these dellulu collectables.

Im spending all my cash on some onlyfans whore who wont ever give me any poontang. It would be cheaper to book a flight and pay a prostitute IN A CIVILISED COUNTRY LIKE THE FUCKING NETHERLANDS.

Combine it wid I Dont understand loans and interest

AND
I keep buyin on creddit withouth looking at it. To RRRRAIZZE MUH KREDIT SKORE
So i can blBUY MORE SHIIIT WID BANKS MONEY

That and studentbloans. Who in the world tought it would be a good idea to gib a 200 000+ € loan to a 19 yo with no job, and no option for bankrupcy. Who doesnt even understand how loans work. And who wont have a meaningfull job untill after about 4 years ...maybe.


Do you have a roof and a functional vehicle (gas and maintnance included) for the next 2-3 months (barring natural disasters).
Thats a good start.
>>
>>538107421
the anti anti-ads are worse
>>
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>>538110853
$60 of food lol
>>
>>538108546
It is essentially guaranteed to work eventually. If the chance of success in any individual attempt at securing a desirable thing (gf, job, etc.) is x, the chance of it not working out is 1-x (e.g. 1% chance of working out means chance of it not working out is 1-0.01=0.99=99%). But if you try it again the chance of it not working out both times is compoundingly more unlikely - two attempts with the same x has a chance of not working out (1-x)(1-x)=0.99*0.99=0.9801=98.01% chance. Thus for sufficiently large n, the product from 1 to n of (1-x_1)(1-x_2)...(1-x_n) - that is, the chance none of them work out - approaches zero, even if each individual x is very small. Doing all the aforementioned makes x larger, but it's the combination of doing that over a sufficiently high N[igger] number of attempts that guarantees success
>>
Imagine taking financial advice from a jew.
>>
>>538106874
Who is this fat subhuman and why is he suddenly pushed everywhere.
I'm betting on fotm Thiels bitchboy
He's basically lower than a prositute.
>>
>>538111675
>don't let the goyim get a cent more than needed
It really is good advice up to a certain point.
>>
>>538108238
Success? Unless you are a billionaire there's no such a thing. Out countries are still full of feral niggers and feminist whores who will divorce rape you. The only people above all that are Epstein types who can live in a island and buy virgin girls and dispose of them if they cause any trouble. The other people who live without dealing with niggers and nagging bitches are neet chads.
>>
>>538107520
wont someone think of the millionaires
>>
>>538106874
he looks like a 12th century retarded serf ready to bring you a refill of mead
>>
>>538107436
That's not true, he worked in sales for a few years.
>>
>>538106874
I won't lie to you. If youre poor youre likely uneducated, unskilled, unintelligent or unlucky in some combination of these things and you will always be poor unless you change those. What used to happen is someone with those deficiencies would have children and do everything in their power to get their kids educated or learning a skill so their children could have a better life.

However you will remain there unless you change some of those factors. Remember you dont need wealth to be wealthy. Materialism is fleeting. Jesus is forever. Good luck.
>>
>>538108738
dave ramsey is the same thing. the only people who get anything from them are literal drooling retards, for everyone else they find entertainment watching idiots get chastised for making poor choices.
>>
>>538109162
>>538112302
Ah I forgot undisciplined. This guy was disciplined and got out of it. His kids will be better off. Good job anon.
>>
>>538110615
I'd pay money to see that.
>>
>>538111813
Now that I think about it, I wouldn't be surprised if he gets funding from Theil. He's pivoting towards neoconservatism lately despite being a closet homo.
>>
>>538106874
The problem is that deciding to be a "poor" person is a losing game unless you're genuinely content with having little possessions or want to live as a drug addict in section 8. The goal in actuality is to no longer be a poor person, but no one wants to become a rich person either, they just want to live as poor people doing exactly what they've always been doing while somehow magically no longer being poor. People who work at gas stations don't want to become investment strategists; they just want to work night shifts doing something simple without needing to manage much, and they want this to pay more than it currently does. The core of the issue isn't even about money, rather it's about identity & what a person thinks is acceptable to spend their time on; fundamentally it requires changing how you think, and this is a very hard thing for many people to do we're attached to our own lives & habits to actively allow room for them to be altered.
>>
>>538106874
If you were doing well, they'd sabotage you. If you're doing poorly, they'll blame you.
>>
>>538112273
Sales isn't a real job
>>
>>538106874
>Tell me you have a $1500 car payment without telling me you drive a shit mannivan you can't afford.
>>
>>538107105
Don't do any of that, still poor. What's next?
>>
>>538106874
put 500 a month of into index funds and 250 a month into higher risk investments
poors are dumb
>>
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Buy an ad, faggot.
>>
>>538110483
>Hoard cheap things online. Learn Aliexpress and Amazon and ebay. You can live like a king.
Explain this one, plz
>>
>>538108238
>>work towards getting training or education
None of this helps in 2026 you fucking boomer nigger, no one gives a fuck what degree you have.
>>
>>538111631
>just keep getting degrees until one works
You are retarded.
>>
>>538109162
retard
>>
>>538106874
i have no idea who that fag is, but judging by the size of the aquarium he proudly displays, i can tell he knows nothing about what he's talking about.
>>
>>538107520
Idleness is gay, you’ll get depressed and spend your whole life using money to cope because you have nothing meaningful or challenging to do.
>>
>>538108238
>>stop consuming mcslop
>>stop doing drugs / drinking / vaping
>>get in shape
>>get enough sleep
>>socialize
>>develop interesting hobbies
>>work towards getting training or education

You can't do any of that working in Mcdonalds. You need drugs, booze, nicotine just to keep from blowing your brains out from the jeet manager yelling at you and brainrotted teenage coworkers
>>
>>538109882
>>work insufficient hours
Jobs refuse to give you full time with benefits

Over and over again it's the same fake advice that doesn't account for how the job market -actually- works right now.
>>
>>538106874
I live like a peasant and my one and only financial problem is that if I had to rent an apartment by myself, I could not meet the rental requirements (though I pay rent early every month). What do?

I'm currently living with roommates, but one day fuck I've known for 12 years thought it was a good idea to steal from me. So I'm not living with him anymore. I assume randos would be even riskier to rent with.

What do I do?
>>
>>538112568
You've got it all wrong, you're polarizing and cutting out nuance and gradient. They want their minimum wage to keep up with minimum living standards in their country, it's that simple. They're ok with being poor because they don't have grand aspirations in life, or they're experiencing a TEMPORARY setback and need to STABILIZE (which min wage jobs used to be perfect for) so they can then invest the rest of their time on building a career back up. Not everyone can do the same jobs as others - if everyone became an investment strategist, then the economy would collapse. Global economy chains are complex, and thus the jobs needed to sustain it are complex as well.
Living with minimal possessions doesn't make you a worse person, in fact it usually means you've ascended beyond hoarding, though obviously there are some minimalists who take it to extremes.
But this obnoxious "hurr all poor people just want to be druggies in section 8" style of mentality is not only gross but it's illogical and incongruent with reality. Yes those people exist, but they don't represent the majority.
Some people find it a smarter and more fulfilling life to live on less. I certainly hope that doesn't incense you as it seems to incense rich people for some reason.
Have you ever considered that humanity tends to not evolve or grow if we continue playing the game of life on "I'm too young to die" where you take candy from babes as if that's difficult to do? Sometimes you gotta bump it up to "hurt me plenty" or god forbid "ultra violence" (i.e. thriving while poor).
It's weight training in living form.
>>
>>538108238
>socialize
I’d rather be poor
>>
>>538113207
You’ll be fucked if you’re still renting when you’re too old to work
>>
>>538109162
>put money into market and a high interest savings acount
Edward Jones employee typed this
>>
>>538106874
Yeah. All advice is just coping with our declining purchasing power, working twice-thrice as hard as our ancestors and not owning a house.
>>
>>538107321
But you will restructure society so that nigs can rape and steal. Or so that Oneida can shit out another criminal that can take from actual functional members of society that you hold at such a high regard.
>>
>>538113332
Nigger, I know. What do I do? Apparently the average apartment is more expensive than the average wage, so what do I do?
>>
>>538113589
Pretty much just this. David Ramsey was getting too old to guilt Zoomers into developing a Navy SEAL work ethic towards their minimum wage dead end job, so the Jews replaced him with this Caleb Hammer guy.
>>
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>>538106874
Just build your own house for a few hundred bucks. The grind is for retards who still think they'll actually be able to buy a mcmansion, then slave away for the rest of their lives to stay in it.
>>
>>538113286
And thus they remain where they are, because the world has changed & things don't work the same way that they used to. In the 1930's, it costed a quarter to see a movie, and in 2026 it costs over 15 dollars for a one person ticket. Minimum wage jobs pay minimum wage, the working hours are the working hours, and these aspects are only going to continue to get worse because that's the intended goal that the people in charge have set. Passively expecting those in power to have this be anything that it isn't, is a losing play. So if being "poor" no longer works, then it's time to start thinking & acting like a rich person; time to start being active instead of passive, and it's time to start being creative instead of being inflexible. All of this requires changing how you think, which again, is not something that most people are willing to do.
>>
>>538113080
>incel reading comprehension
>>
>>538107105
>white power fag
>beer

confused and retarded
>>
>>538113981
You got a loicense for that house on wheels?
>>
>>538106874
The toast thing is actually good advice. There are lots of ways to have toast and it is filling. So variety and satiety
>>
>>538111631
so by this logic if instead I play EuroJackpot long enough, I'll win huh?
>>
Ramsey made his fortune defrauding banks and defaulting to loans to finance his real estate grifts funny thing he doesn't advise people to emulate his unethical success based on screwing people over and not paying debts.
>>
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>>538106874
That guy got fat
>>
>>538113765
Try not being poor
>>
>>538112979
Watch prices, wait for sales, use Aliexpress app for coupons, check past prices with camelcamelcamel.com, check ebay regularly for a cheap listing.

I'm poor but you can buy everything you need for 1/10th of what other people pay using Aliexpress and scanning Amazon and ebay. It also helps to have no extra bills and steal Internet, use prepaid like Infimobile, etc. But yeah I'm almost minimum wage and still make money while having anything I'd ever buy. Hoards of pc hardware, electronics, household supplies, pantry ingredients, valuables, supplements, water filters, tea and extracts, other hobby shit I missed etc
>>
>>538106874
I used to get up in the morning at night at half-past-ten at night, half an hour before I went to bed, Eat a lump of freezing cold poison, work 28 hours a day at mill, and pay da mill owner to let us work there. And when I went home our dad used to murder us in cold blood, each night, and dance about on our graves, singing hallelujah.
>>
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>>538109882
david ramsey is a fucking anglokike golem. he borrowed daddy's money to get into real estate. his business failed when he overextended his real estate portfolio and declared bankruptcy, then he pivoted to marketing himself as the next suze ormond and shilled a book pretending to be a successful businesseman.
>>
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>>538110729
The dude admitted to not know better at the time. Are you retarded? I can't believe that I, as an ESL, have to point these things out to you. Your fucking reading comprehension is shit, it's no wonder you're financially fucked.
>>
>>538112717
Start with your smallest bill that you pay in a year, save up money and put into an s&p 500 etf, 8% return pays for that bill. Do it again for the next bill, and so on. car inspection & tags is $100, save up $1250, @8% the bill is now covered passively. $30/month cell phone, $360/yr, save $4500 @8% you now have your own obama phone, $500/yr car liability insurance, $6250 @8%, covered, etc.
Meanwhile you still have all the money you put into the brokerage account.
>>
>>538106874
Yes. The advice works. I own a home. I spend $40 a week on groceries. I don't go out, but what am I missing? Getting my meal ruined by Shanequa's 12 kids? I used to cruise... fuck that.

After a while, the 20 hours becomes less, because you worked up to another position, and now some other jackass has to do the 20 hours. It's the paying of dues.

Granted, AI is going to end all our careers. I predict not a end of humanity in the Skynet sense, but in the... Wall-E sense. Eventually, humanity will die without struggle.

If the machines do everything for the masters... what's the point in having masters?
>>
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>>538106874
>do anything but work to fix things for yourself
>because that would be wrong
>no its OK when every other group does it
>white people can't tho
>>
I make about 60-100 dollars an hour but I don't work full time, my job is easy, work from home, and kind of fun, i don't have kids or a family and i work about 10-20 hours a week. My income is low but covers everything i could really want. Don't have a car either, built an ebike instead and just order everything online i need. I love cooking so I can make whatever I want to eat at home and it's fun too. I don't give a shit about brands or labels and buy whatever clothes simply fit me. I live in a small studio apartment that's on this sweet old ladys property who gives me free food and even lets me borrow her car if i need it in exchange for almost nothing in rent and helping with "computer stuff". My only valuable possession is a nice computer (tax writeoff thanks to work). I also live in one of the whitest most expensive coastal towns in california just a bike ride to the beach. If I really gave a shit i could just work more hours and make 6 figs but i honestly don't give a shit. Money just creates more liabilities and expectations. The only thing I will say is that women especially as you get older do not tolerate this lifestyle, it's like they are programmed to be evil and want me to slave away to impress them no matter how much they try and virtue signal to not be greedy. Especially not having a car gives the ick but fuck em.
>>
>>538108007
>"Get a job with valuable items, steal them and put them on ebay"
That's great "actual advice" if your goal is to get easily convicted of grand larceny and serve felony stretches of prison time.
>>
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>>538106874
EZ financial advice: make sure housing is as close to 1/3 of your income as possible, have a monthly budget, and don't take on debt, and save/invest 25% of your income. Btw most of the people he interviews are irresponsible retards.
>>
>>538106874
Well yeah. If you dig yourself into such a huge debt hole that you're on the brink of losing everything, then you kinda lose the right to spend money on entertainment or escapist activities.
>>
No person has to give you advice. There is vast information available to turn your circumstances around. It takes discipline and sacrifice. Considering you come from a long line of people that decided I shall sell an hour of work for an hour of pay and stay exactly as we are just getting by and making replicas that do the same, your fate and the fate of your offspring is sealed if you do not learn the language, skill, and trajectory of something other than my movement for an hour is worth something to a company. Lingo, nomenclature, trajectory, prediction. But it doesn't just come to you because your long bloodline says eh, I have just enough and you sit in the same tepid bathwater. Fill your fucking head and execute.
>>
>>538106874
Why is this guy so fat and disgusting looking?
>>
>>538110483
Don't drain your balls before filling your head you filthy mongrel. Stop letting emotion rule reason. Be dedicated only to attaining whatever it is you seek and nothing else. Toast shouldn't even be a consideration because while you are lamenting the emotional aspects of toast, you are not filling you head with strategic initiatives to attain.
>>
>>538112003
Do not impregnate
Do not marry
Keep your sperm away from the hole that leads to ovaries
Get a vasectomy
>>
>>538115583
Minimalism is a fantastic mindset
>>
Sounds like a personal problem. I cut down on eating avocado toast to only once a week and now I'm a multimillionaire. It works.
>>
>>538116287
Because he's from America.
>>
>>538106874
He's literally fat. No fat person would ever be taken seriously.
>>
>>538116378
Life has no objective. If avocado toast is your goal, you can proceed to bake bread, toast with a stove, hoard and freeze avocados. Let them eat cake.
>>
>>538106874
just work two jobs, what are you a sissy?? you dont like trading life energy for goyslop? Too bad Mr. Goldsteinberg needs his great grandaughter to have a yacht as well.
>>
The common denominator here is slop. Just avoid it. Cancel netflix, don't Uber eats garbage from Chili's, stop buying retard crap.

I would assume the average person that consumes slop is much more lazy about cleaning up their finances.

Slop has levels too, there are so many fucking middle management jackasses making 200k/year living paycheck to paycheck with a 750k house and a fresh BMW eating at the chain steakhouse.
>>
Being poor is based.
>>
>>538106874
Fat kike
>>
>>538113167
Is this what the guy who has more than 1k in the bank says? Or is this what the guy who has more than 1mil in the bank says?
>>
>>538121070
I was once poor. It sucked. Unless you're suckling off the teet of a family member, friend or significant other then you are just in a loop of misery. Being truly poor is being out on the street, getting ignored by everyone. Counting out pennies just to get a cheap meal, begging, starving, suffering in heat, cold & rain. Homeless shelters kick you out during the day & only give you a place to sleep, if you don't meet the curfew you're locked out.

Being a parasitic neet is not the same as being poor. Pulling yourself out of debt and misery is easier said than done but it can be done, just need to be careful with how you cope. Everyone in the fast food jobs I worked was stoned or high off their ass.

Money is worth it though. Once you get a gig or a way to actually have enough to save for vacations & dreams your hard work will have paid off.
>>
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>>538114011
or, you could just read a history book to find out what really works. that 'its all in your head' shit only works if it also allows your belly full and a decent life to be lived. Otherwise its just wishful thinking trying to teach you to be a good harmless slave.

I prefer reading history and how you actually accomplish your goals.
>>
>>538112075
>wont someone think of the millionaires
I'm a millionaire and I'm just as miserable as the rest of you faggots.
>>
>>538113765
Move to the cheapest city and flip burgers. You can still make $400-800 after rent. Stay in shape and you can do this indefinitely. Spend money on Bitcoin. You can live off $3/day if you cook lentils and chicken. Pirate everything, don't have bills or other dumb shit. Don't be hesitant to spend money on shit you actually need.

Like, what do you expect? You can live off $800/mo. Even less if you live in a car or tent. A spartan lifestyle is available to you. Most of the challenge is mental and peer pressure as I said in >>538110483

The goal is to be poor and strive. Then you save money. Then you gamble it. Then you maintain the kitchen you work at until you die. Life isn't about beating the game.
>>
>>538106874
>Tries and be the edgy Youtuber Accountant Man
>Says racist shit off camera
>A woman says racist shit ON camera with him
>"UH UM HUH?"
>The woman says "You started it"
>Her boyfriend says "It's true, you did."
>Fatty McGlassescuck brings out his pet house nigger on camera to sit next to him and shame them for their racism

I genuinely hope the leftists succeed in getting his career nuked.
>>
>>538121775
Haha, you found the answer and it went over your head.
>Everyone in the fast food jobs I worked was stoned or high off their ass.
This is fun, it pays rent, buys Bitcoin, buys chicken and lentils, buys aliexpress bullshit. I'm prepared to do this as long as possible. The real question is what's stopping you from being poor.
>>
He is fat and weak, this is enough to avoid.
>>538108923
Older generations made these things unattainable without a high level of suffering.
>>
Get a job that makes more than minimum wage where you can expect frequent raises. Get a wife that does the same. Let a broker invest surplus savings. Never divorce.

The common man's only path to succes in this life.
>>
>>538109490
Your country subsidizes niggers.
>>
>>538112302
>>538112437
Wow incredible how none of those flaws stop non-Whites from parasitizing billions off of my people and into their own pockets.
Why shouldn’t I commit mass fraud, assuming I can get away with it?
>>
>>538112563
>closet homo
I wasnt even aware he was hiding it , is he pretending to be straight these days?!
>>
>>538122200
>>538108923
Spending money is optional after a point. The issue was never about not having enough money. When ppl buy goyslop they're mostly like "I have all this money, might as well." It's a dumb cycle that proves money is pointless. Most people pay idiot taxes. As long as you have energy to do things, you're better than anyone who's richer.
>>
>>538114011
>just be different instinctively
No.
I would have more fortune to arm a bunch of Nigs to murder country club boomers than to become “wealthy” through “hard work and shrewd spending”.

Piracy is how we must think.
Piracy and making life HELL for the police, fbi, and cia.
The sooner they stop showing up to work the better.
>>
>>538122280
>get this
>get that
why should we? we aren't asked to be born. why do we have to do any of this?
>>
>>538112273
If you aren't breaking a sweat then you aren't working. You're in adult daycare.
>>
>>538106874
This guy's a kike and a freak, wants women to first date take a bath in front of him, goofy fucking bitch.
>>
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aww lawdy I jus bought uh 2013 neesawn caw fo $50k no munay down un 9% interest un I caint pay muh beels n sheeit.
wut do
>>
>>538115719
Don't be dissing prison I got a lot of friends and know some really great people in there
>>
>>538109144
Never understood paying for porn.
>>
>>538106874
don't spend even the most miniscule amount of money on anything that gives you even a little bit of stress relief...You don't have to spend a penny to go the WANK BANK,,great stress relief ..

I saved loads of money BUT me dick is red raw..
>>
>>538122622
>the poor cannot afford bread?
>why stop eating cake!

I know you are stupid parroting shit, but its wild how stupid you have to be in order to post this normalfag boomer tier shit.
>>
>>538115583
>women especially as you get older do not tolerate this lifestyle
well of course not , you have the potential to be a millionaire but instead do just enough to cover only your own comforts. Im not saying you're wrong and in fact I envy your lifestyle in ways but to a woman you're a contemptable waste of potential resources to her
>>
>>538106874
Caleb: "Renting is just better, its more flexible and cheaper (implying smart people rent)"

Also Caleb 20 min later: "I own my own house, but that's cuz it just worked for me."

LOL fat zoomer dave ramsey
>>
>>538107520
>Rich people mostly work like dogs.
Nah owner of the last company I worked for was rich not mega wealthy. Maybe 50 Million net worth max. Spent all his day on dating apps looking to bang girls.
Never did any work.
>>
>>538123259
Why do you know who that is?
>>
>>538123259
Threadly reminder this fat fuck didn't work outside of being a Youtuber. He went from being an arts major in a college to dropping out and becoming a fulltime Youtuber.
>>
>>538107321
Yes we can.
>>
>>538112075
>millionaire
simply means you own a two-bedroom apartment in a coastal city
>>
>>538108418
Most of them don't get triggered by it. Its literally just entitled foids that get triggered. If you are a man, you should be living like this by default. If you are a single man, what the fu k are you spending money on? My money literally piles up. Nothing to spend it on.
>>
if I had a woman, any woman, in my life that wasn't a fucking hambeast, I'd do it, alas society cannot even provide a 4 for me
>>
>>538108238
All of that will make you the perfect drone. That is it.
>>
>>538110483
>don't save
Terrible advice. Stack metals or assets. Use unsecured debt if neccesary as leverage to purchase untraceable assets.
>>
>>538112717
Instead of splurging on luxury white rice and beans, simply forage for dandelions at duck eggs at your local park for your next meal.
>>
>>538106874
Not my first time been starved, fren.
>>
>>538106874
that is the most infuriating bullshit they teach you can "save" but the moment you lose your revenue in this country you are fucked
>>
>>538119752
Bingo. Andrew Tate was correct here. For 90% of the population, you're not getting a high paying job. You'll work hard for nothing. And even the ones who got that six figure job, they lose their money one way or another. Even the ones who save tons of money lose it via inflation. The way out is simple: You halve your spending, double your income, spend it gambling and buy bullshit that actually improves quality of life. A Bugatti is just a little something to show for it. I'll be real, I'll probably get rich and not have the balls to immediately waste it on a supercar and insurance. I'll just keep riding crypto for no reason.
>>
>>538107520
millionaires work hard. billionaires steal your money while building bunkers and living it up on yachts the size of a small battleship
>>
>>538106874
>anything that gives you even a little bit of stress relief
so many words for spending your last dollar on weed
get clean, junkie
>>
The fact he hasn't revealed the specifics of his upbringing is a red flag. "We were kinda poor" is what you say when you weren't at all poor. How are people still falling for this?
>>
>>538123149
You can in fact do anything when you're poor. Hobos can get jacked and smoke meth. What's your excuse? "I'm too poor"? Steal weights for a home gym and get yourself some meth.
>>
>>538108238
your good advice will be disregarded
losers will go
>I'M NOT EVEN GOING TO TRY BCZ MUSK HAS MORE
becuase they want to nurse their victim mentality and neetdom
>>
>>538124239
It's pointless. Buy a Bugatti the second you have enough money for one.
>>
>>538124751
>Buy a Bugatti
why wait
rent some rims and impress your homeys tomorrow
>>
>>538108238
Lots of people have already done these things and did not become a success. There are more people looking for job than there are jobs, and there are infinitely less jobs paying a wage that matches the local cost of living. The employee/employer model of income is broken because employers are malicious actors willing to replace local workers with 3rd world trash. Then they gaslight people into believing they're unskilled in comparison to people that shit in the street like animals.
Checking out of this bullshit is the only success one can achieve in life. Playing this game is for suckers. That's why all this advice is useless to most, the social contract no longer exists.
>>
>>538124905
That isn't monetarily nihilistic enough.
>>
Its frustrating because their suggestions aren't wrong, but theyre also not right.
Yes, especially if money is tight, you shouldnt be eating goyslop off doordash and you shouldnt be paying for streaming services and other bullshit. But these things are all peanuts and miss the bigger picture. Canceling Disney plus and avoiding fast food and starcucks coffee isnt going to make it so the average wagie is going to be able to save up for a down payment and afford a mortgage
>>
>>538121880
>cheapest city
That's like looking for the whitest nigger.
>>
>people splurging on useless shit like yearly trips to disneyland
>"um dont do that"
>critics that hate the guy claim his advice is to eat toast and work 20 hours a day
what's this fallacy called?
>>
>>538124931
One of the coolest features of the poor is that you can get them to blame themselves instead of malicious financial actors simply through the tv/phone/computer. It always works. They love people whose grandfather had their shit tog- , I mean, people who have their shit together.
>>
>>538106874
This meanwhile he likely spends luxuriously and never really lived in the situations the average worker does now.
>how dar you spend only 20 dollars a month to have access to a streaming service with hours of movies and tv shows you have to own nothing and be happy
>>
>>538106874
I mean, he's kinda a smug asshole but like 90% of the clips I've stumbled across have been super basic "this is how much you're bringing in, and this is how much more you're spending on stuff you don't really NEED".
Which is a huge factor.
It's not even necessarily just being stupid/lazy/whatever but just being too close to the problem. For you it's personal, sure you'd say it'd be silly for someone else but for you it's DIFFERENT.
You just can't see things objectively. We all do it to some extent.
>>
>>538115068
You got a name for this particular ETF that's yielding 8%? There are plenty of S&P 500 ETFs out there.
>>
>>538124998
Rent is cheaper, and homeowners are rentoids with extra steps. THERE IS NO GOAL. Reject the propaganda, buy and eat 100lb of chicken and lentils, take care of your health, ride Bitcoin. Why is this controversial boomnigger advice? You have some void to fill that you're not enlightened enough to acknowledge. A shitty job will pay rent and $1/lb chicken. You can go months not spending any money. It takes some balls and you'll feel like a slave but that's just because you're obsessing over money. Want to get rich? Live poor. Wait a bit. Gamble. That's how everyone does it.
>>
>>538125243
>This meanwhile he likely spends luxuriously
But is he outspending his means like most of the people on his show?
Yes, yes, when it's YOU and YOUR indulgences it's DIFFERENT, people just don't realize how hard you have it!
But just like with fatties where if you eat less and exercise more you WILL lose weight, if you spend less and save/work more you WILL accumulate money. Now there's a hell of a lot more about what you should do with that money but the basic math equation is there.
>>
>>538125436
>Rent is cheaper
It depends on the current local economic situation and trends even before you get to differing priorities and factors beyond "on paper housing cost per month".
>>
>>538112075
millionaire doesn't mean much anymore. like maybe they have a succesful career or have just as much debt as they have net worth becasue they got post graduate degrees or started a business.
>>
>>538123259
Yeah he sucks hey can I watch you take a bath RQ
>>
>>538115583
>I make about 60-100 dollars an hour but I don't work full time, my job is easy, work from home
Aren't you worried about being jeeted out of work?
>>
>>538112717
I love how poor people are simply allergic to personal responsibility. Your finances are YOUR fault, and no one else’s.
>>
>>538126203
Only 10% of Americans are net worth millionaires, and of those 10% only 2.5% are liquid net worth millionaires (aka not including real estate). Being a millionaire is still absolutely uncommon, but social media convinces you it is. Most people are broke.
>>
>>538125697
I work hard and spend more than half in rent and electricity. I make little and spend little. Next month I'll have $1000 more than I had 3 months ago. But I bought everything I could ever want. If I want to have fun I have drugs, video games, exercise, you get the point. I'm gonna order a BTC long and I'll have something to show for it. Owning a house is bullshit. Getting a job that pays for it is bullshit. Years wasted jumping through hoops. I have a way out, but I don't need it. Would rather set aside rent money for x years than get a mortgage.
>>
>>538126709
10% is uncommon? Of everyone? like kids and young adults included?
thats a huge chunk of boomers with houses.
Liquid net worth millionaire is "rich" though I agree. Still one failed business venture away from being broke again though
>>
Yes, you have to work like a dog if you don't provide value. The same would be true 1,000 years ago. We're lucky that the genius billionaires of the world have made our lives immensely better.
>>
>>538127025
most people historically were farmers. and while farmers work all day it's chill. it's more like housework but bigger >>538122584
you are effectrively the master of your land, if you own it or not. there is no boss screaming at you about clocking in late or having a smoke break, no snarky coworkers etc.
>>
>>538127018
Most people who are US liquid millionaires are liquid millionaires in their 401k. So unless there’s a gigantic stock market correction, which is possible, they’ll be fine. I think the liquid distinction is important though, as it’s what people think of as rich.
>>
>>538127025
Just get fit so waging is easier. You don't need a lot of money for high quality of life. People got fucked with vaccines, circumcision, bad medicine, not lifting, not supplementing, not eating enough protein. We got hit pretty bad. Money alone isn't the cure.
>>
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>>538106874
You don't have to work 20 hrs a day at some dead end job. You don't have to eat like an Ethiopian. You don't need to be super frugal. You just need to make basic good decisions that you can build off of.

My advice for poor WHITE people (if you're brown or black fuck off back to your home country/Africa) is to live within your means and to become extremely resourceful (utilize government/charity/religious resources to help you stay within your means and as a way to progress upward in society). Being resourceful is my #1 tip.

Do not use credit cards to finance stupid shit like fast food, groceries, gas, laptops, ipads, tvs, monitors, computer components, video games, or any other stupid thing you may want but don't really need. Pick up some social hobbies that are cheap or free so that you can make friends, and use up your free time in a way that isn't costing you money. Between a part time job, college, and a cheap hobby you will stay busy, meet people, build relationships, conquer your boredom, lower your stress levels, and be able to save a few bucks.

If you have no credit or bad credit but not a lot of debt then get a $500 secured credit card and pay the balance in full every month. If you have debt, pay it off and don't put yourself in that position ever again. The only thing you should be financing is a house and that is the sole reason to build up or improve your credit score. Don't even finance a car. Buy used and use YouTube or forums to learn how to maintain the vehicle. Keep up on the basic maintenance and change the oil regularly.

Utilize federal and state student aid programs to earn at least an A.A. degree. You will often take in more money than what your tuition and books cost and that money can be used to help pay rent, gas, fix your car, etc. If you can this while working a part time job then even better. If you aren't having luck in finding a job then have the college help you find a worthwhile paid internship.
>>
>>538106874
There's something about this guy I just don't like and I can't quite put my finger on
>>
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>>538122768
This is not an unreasonable request. Inspecting the whores is a public service.
>>
>>538126290
i am fully ai'd already, that's how I can work even less. the boomers that hire me don't want to deal with that shit
>>
>>538108007
Based
>>
>>538106874
Whites are a minority but somehow magically the only people that jew will have on his show to attack.
>>
>>538106874
Caleb Hammerstein is one of the good ones.
>>
>>538115583
Enjoy it while it lasts.
>>
>spending 30% of my pre-tax income at the gas station every day isn't allowed anymore
wtf this is bullshit I need a bailout (and another slurpee)
>>
>>538106874
>>Just work 20 hours a day, eat a piece of toast as your only meal a day, and don't spend even the most miniscule amount of money on anything that gives you even a little bit of stress relief
but this works. I have 700k liquid. It's really just that easy. I don't know how people go into debt ever. what is even worth buying today name 3 things besides food, shelter, and air conditioning.
>>
>>538106874

>don't be retarded with money
>NO!
>REEEEEEEEEEE!

I don't hate people enough.
>>
>>538128905
funny thing is, you can be retarded with money with no consequence. being retarded in general is the killer
>>
>>538106874
he looks jewish
>>
>>538128496
To me this reads exactly like the OP; go without things and try to make ends meet with whatever little you can scrounge up, then plan to do something with the surplus that you'll never get.

The thing is, poor people are generally poor because life is expensive and they don't make enough. All it takes is one unplanned problem for most people to start the spiral into debt poverty.

The problem isn't them. The rent's too high, the wages are too low and there's too many predatory institutions out there waiting to put you into debt slavery.
>>
>>538106874
Most of these financial influencers look at income and ways of increasing income. You can only cut so many costs, but your earning potential is technically unlimited. That being said, cutting out obvious waste is an easy first step.
>>
>>538129386
You are poor in USA because you are dumb and lazy,,,,thats it
>>
nah it's usually like don't go to your eyeballs in debt on shit loans and credit cards that completely rape any chance you have of ever getting out of financial hell
but sure we can make retarded faggot threads if u want
>>
>>538128858
Yep,,,,,,,work hard and save for 10 to 20 years you will get rich and be rich for the rest of your life,,,,,its not complicated but losers need their uberjeets avocado toast
>>
>>538129453
Engagement.



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