>$6000 monthly salary>$2100 goes to rent>$1000 goes to debt payments>$810 goes to car payments>$655 goes to health insurance>$600 goes to gas>$400 goes to groceries>$210 goes to car insurance>$100 goes to utilities>$80 goes to ISP>$25 goes to renter's insurance>$20 leftoverThis is unsustainable.
>$1000 debt payments
>>542841634>be me>24>Graduate from med school>Send out a few job applications to private clinics>Get multiple callbacks>They’re desperate for junior doctors, basically begging me to join>Work whenever I want, for as long as I want>Get paid 5x the median salary>Employer covers my rentAll you had to do was not get a useless degree.
>>542841634>renting in 2026ngmi
>>542841634uuh just stop to eat avocado toast, ok?
>>542841634You forgot your tithe to Israel.
>>542841634not my problem timmy
>>542841634why cant you find $500 rent home
>>542841634You have less purchasing power in 2026 as an engineer than the guy hammering rivets in the 1920sLet that sink in End the FedIf I got you working for me but I payed you with copied Monopoly money but I had you so brain fucked that you thought it was real money and you kept working for me for free to me copied Monopoly money does that make you my slave?It’s called babylonian money magic
>>542841634>$1500 monthly under the table >$0 goes to rent>$0 goes to debt payments>$0 goes to car payments>$0 goes to health insurance>$200 goes to gas>$400 goes to groceries>$60 goes to car insurance>$100 goes to utilities>$80 goes to ISP>$0 goes to renter's insurance>$840 leftoverThis is sustainable
>>542841634Don't forget tips!
>>542842092Same reason you can't find a place for $5
>>542842092NiggersWhy?Every single time
>>542841763Fpbp also almost 1k in car payments what a loser lmao
>>542842148>$200 goes to gas>0 to car payments>there is a car stillbut howis it legal to drive just any kind of 30 year old junk?in Finland car laws are strict
>>542841634Hypothetically if I was able to manufacture and provide everything my family needs to stay comfy what do I need money for?>own the means of production Inb4>commieWho said I’m sharing?The ultimate goal of life should be to eliminate the need for money not to collect money?But you do you we all get to enjoy the fruits of our labor
>>542842299You cant just own a car outright? Seriously?
>>542841634>$0 monthly salary>parents pay power bill>parents pay phone bill>parents pay for beer and weed>parents pay for foodt.47yo
>>542842299>>542842549If I got you working for me but I payed you with copied Monopoly money but I had you so brain fucked that you thought it was real money and you kept working for me for free to me copied Monopoly money does that make you my slave?It’s called babylonian money magicEnd the FedYou vill own nozzing You vill eat ze bugsYou vill be happy
>>542843185What you gonna do when they die?
>>542843292inherit all the money
i make $ 1000 a month, fuck you spoiled mutt. I can help you in fact>stop paying overpriced rent, national average in US is not that high>stop taking out loans>stop being fat and you wont need health insurance to cover your asthma heart attack>sell your dodge challenger and get some commuter sedan secondhand with cash>stop being fat and you wont need to eat so much>stop downloading so much porni have suggestion for you. Have you considered selling whatever nigger gas guzzler you own and buying SUV to live in that? You will instantly cut down on all expenses of renting including utilities and ISP, you can just use your phone cellular data for internet.
>>542843435>sell your dodge challenger and get some commuter sedan secondhand with cashthis and cook at home are the number one ways to save money.
>>542843435>just stop enjoying things and learn to be poorThanks, Trump
>>542843375Money by dictionary definition has to hold its valueWhat you’re going to get is currency and you’re gravely over estimating its future value “Controlling the world's sources of news, Jews can always prepare the minds of people for their next move. The greatest exposure yet to be made is the way that news is manufactured and the way in which the mind of whole nations is molded for a purpose. When the powerful Jew is at last traced and his hand revealed, then comes the ready cry of persecution and it echoes through the world press. The real causes of the persecution (which is the oppression of the people by the financial practices of the Jews) are never given publicity."~ Henry Ford, Sr.May, 1920
>>542843542You deserve to live like this, nigger
>>542842299Yes you can drive any age of car as long as it meets safety standards which are lax and even lower for vintage cars 50+ yrs old
>>542843576they dont have very much fluid cash retard, lots of it is farmland. im gonna literally be a LANDLORD
>>542843666SooooooYou’re gonna keep your little space in the basement and rent up stairs out?You’re parents must be proud
>>542841634>I borrowed *far* more than i could actually afford, this is someone else's fault somehowFile for bankruptcy if you genuinely can't handle it, you absolute retard.Otherwise enjoy the harvest.
>>542841634Declare bankruptcy and get a piece of shit car
>>542841634Bro you look fucking stoned out yo mind.
>>542841634>be me>700$>200$ on food and groceries>50$ on land ownership>150$ on gas>4$ on internet>300$ leftoverLife gud
>>542841634>debt paymentsI have zero sympathy for retarded goyim. Learn to not get jewed, faggot
>>542841634>$2100 goes to renthow
>>542841634Aren’t you forgetting the 10% tithe to Israel?
>12k a month>10k goes into the market>2k for random expenses. House and car is paid off alreadyJust earn more bro
>>542841634>$3800 monthly salary>$800 for rent>$70-80 for utilities>$0 for debt payments>$0 for car payments, my two-wheeled steel chariot takes me to work and back>$however much i want on groceriesFeels bretty gud
>>542841634>$20 leftover>unsustainableHow so?
>>542841634>3000$ monthly salary>1600$ for all monthly expenses >That includes mortgage (300$ a month)>Credit card is 200$ >No other debt at all>Remaining 1400$ straight to investing>Will retire by 40-45 years oldGod bless Argentina lmao
Cry more nigger. Hard times makes for hard men. I voted for this.
>>542841634>$1000 goes to debt paymentsAny fag who either has a $1K-$10K, or has no debt but enough cashflow to accomodate paying for debt:-Cut up and close your credit cards,-Open a spreadsheet (LibreOffice Calc),-Column A is dates (monthly, weekly, whatever) and divide that time step by a year (divide by 12 for monthly, 52.1775 for weekly, 365.2425 for daily) and put into D2,-Put annual interest rate into D1 (1.0 is 100%, 0.3 is 30%, etc),-Record your purchases (that you would have used credit for) into B1,-Make B2 a formula: `=($B1-$C1)*EXP($D$1/$D$2)`,-Put your payment for the cycle into column C,-Use the little box in the lower right of the formula cell to copy down the formula for each time step,Basically, you are creating a spreadsheet to act as your payback ledger for treating your savings as a credit card. You pay yourself interest. If you're good with LibreOffice Calc, you can make it more elaborate where it will tell you the estimated payoff date for a certain fixed periodic payment.If you don't have debt or savings, but have the cashflow to pay off debt, put the amount you want to save into B1 and pretend it's a debt you want to pay off. When you have paid it off in a few months or a year, you will have that amount plus interest saved!Stop paying finance companies interest! No, your stupid miles are not worth it and you're playing with fire if you 'always' pay the full balance immediately; one day you may not be able to pay the full balance and thus the jewing begins!Picrel: my template sheet; I charge myself 100% annual interest.
>>542841634>>$2100 goes to renthave you considered not living in a major metro area?
>>542841634>$25000 monthly salary>0 (zero) goes to debt>$850 to rent>$150 to utilities>$900 to food (I don't eat schlop)We told you stupid faggots to join the trades. You didn't listen.
>>542841634Not my problem
>>542841634If only you knew how good things really are here. >rentlmao>debt>lol>car paymentshuh? hehe.
>>542841783>5x the median salarywhat's that, 3k instead of $600?
Sounds like a you problem.
>>542841634how are you paying both 2100 to rent and to debt? my mortgage is like 1200also why the fuck did you buy an expensive car instead of buying it paid off
>>542841634How tf is a car payment any higher than 450? Wtf are you buying? A 30k car is like ~400$ monthly at the most.
>>542842549hes trollingmost finnish teens buy a shitbox volvo when they are 18
>>542841634>Having a carHeh
>>542849011Most Americans are retarded pigs.>They were gifted the greatest invention known to mankind -- Compound interest>instead of utilizing this to get rich, they instead took out loans the moment they got a raise to keep up with the joneses>result? Average American is 64k in debt, doesn't own a house, and pays 60k+ for a truck because he can "afford it" through financing (usury)The Jews are absolutely right to call most of us goy slaves.
>>542842148whats a good under the table job
>>542842299In the US you can buy a car outright and just pay the yearly registration/road tax. If you do have to finance your car it is generally a 5-7 car loan. And yes our cars are good over here, my 2004 car is still going strong.
>>542842092Anything under 1k a month is in close enough proximity to "diversity" that it's an unlivable situation.I lived in that type of arrangement before. It's fucking awful. Can't get anything delivered because it will be stolen in seconds. I pay 1050 a month now and I can forget I had an Amazon package delivered for a solid couple days and it will never get stolen. If they fuck up and deliver it to my neighbor, my neighbor just brings it to my porch and leaves it there.The ability to not live near "diversity" is a basic human right.
>>542849055Maybe you're unaware, but most people will finance brand new cars the moment they can 'technically' afford it on their salaries.Most tradesniggers I work with will buy a 60k pickup. The monthly payments will make it's actual cost over 150k> but normies can't into mathematics it seems.
>>5428492075-7 year car loan*
>>542842299LoL poor fag
>>542841634>$600 goes to gasHow? I spend maybe $150-200 with a 20 minute commute to town six times a week. You driving an hour into a nigger infested shithole?
>>542846442LoL poor fag
>>542841634>neet>government pays my 2 bedroom rent which is 580 a month>shitbox car that got paid off 8 years ago and insurance+fuel is something like 40 euros a month averaged over the year>no debts, only got a debit card>utilities paid by government>"free" healthcare (they tax my gibs by 20%)>the only insurances i have are car, life and "residential" insurance and the latter two are paid by govt>groceries maybe ~300 if you include beer and shit>1000/100 cable and 5g combined on one bill that's 35 euros a monthThis is sustainable for me but can't really afford much extra, i have like 80 euros a month after mandatory spending things like groceries but i don't work so i can hardly complain i guess
>>542841634>$2100 goes to rentget a room mate or gf. you can get a gf to save half of your rent, right? you could also move to a smaller place.>$1000 goes to debt paymentsneeds no explanation>$810 goes to car paymentsneeds no explanation. I hope atleast it gets you lots of pussy but cars kinda stopped being cool.>$600 goes to gaslet me guess you roam around a lot like a retardI think you should get a 2nd job. something part time.
>>542849151i still have the car i bought almost 10 years ago, never had a loan
>>542849227Yes i am unaware. I never looked into buying something like those new pickups i always assume you would have to be earning really well and can do a huge down payment. I cant believe people get suckered into being debt slaves that bad. I always tried to do early payoffs whenever possible because i wouldnt want to hold that shit for long.
>>542848952Bet you live in your mom's car with your jobless boyfriend.
>>542849464>Yes i am unaware.You thought all those people earning 50k with brand spanking new SUVs and pickups at work weren't financing that shit?Oh Bickle...
>>542849528I literally just posted my paystub here >>542848891
>>542841634>pull off your bootstraps>stop with the avocato toast>no more netflixProblem solved (per boomer logic, of course).Webm definitely not related.
>>542849579>>$25000 monthly salaryStill paying rent though? Damn son, you can't even afford your own cardboard muttshack...
>>542849542I cant imagine a dealership take that risk. Even if its high interest. Are americans that docile and stupid that they pay that shit?
>>542841634Now try 1500 month income
>>542841634>car payments?????????
>>542843666>Inherit land worth 2 million.>Too stupid to know about taxes, because neet your whole life>Fall behind on taxes, and Uncle Sam just takes your property.>Left with nothing, and no realistic job prospects.Lol
>>542841634>$810 goes to car payments>$600 goes to gas>$210 goes to car insuranceJust rent something near your work place, you can t afford a car.
>>542842299Pretty much, yeah. Some states require annual inspections to make sure it's safe enough, but I think that is unusual. Similar with emissions requirements, but that is usually about newer cars having higher standards than older cars. May depend on the state. Car insurance is the one thing everyone is required to have.
>>542841634>$810 goes to car paymentsFor two cars or did you fall for the luxury car meme?
>>542846231>jewcraine>Life gudJewlinsky didn t already kill you ? How ?
>>542842148This anon is extremely wiseAlso probably hispanic.
>>542849898You can't sell a rental.
>>542841634/thread
>>542850010Rent a flat near your workplace and walk. What the fuck do you even need a car for ? Are you aware you can use your legs in the streets, right ?
>>542848891Hard work for >60 hours a week is not the flex you are making it out to be.
>>542842299I'm in Florida. The other week I saw a 90s model Chevy Malibu going down the road with no windshield, no roof (it was not a convertible), no doors, and no hood.
>>542841634>$2100 goes to rentlol, lmao even. Thanks for your money rentoid.
>>542841634>renters insurancewhat a retard
>>542849456I had a car loan at 1% annual interest. Basically 'free' money. Paid that shit off and vowed to never do that shit again.
>>542841634You left off taxes, the biggest expense, for some odd reason... surely that was just a mistake.
>>542849845The US property tax system is an absolute racket compared to Poland.Imagine being such a jew slave that you pay subscription fees on something you already bought and own outright. >Hey, nice house you fully paid off. Now pay us 2% of its entire market value every single year, and if the housing market bubbles up through no fault of your own, we're going to charge you even more. Oh, and if you can't afford our yearly ransom, we'll just seize your house.You're literally renting your own property from a jew forever. Meanwhile in Poland, you just pay a few hundred złoty a year based on your actual square meters. It's a flat, predictable fee based on physical reality, not a volatile financial penalty for living in a desirable neighborhood.
>>542849227>normies can't into mathematics it seemsNormies need to learn how to spreadsheet, per >>542848704 .
>>542850517>You're literally renting your own property from a jew foreverProperty taxes are a Democrat thing, and my new friends on /pol/ have assured me that Democrats are anti-Jew
>>542841763Tsmt
>>542850586
>>542841634600 for gas? In merica? Wtf do you drive?
>>542849152tradie jobsthe problem comes from trying to find customers willing to play ball and deal in cash rather than write little expense off
>>542843435>see oinkraine flag >don't read Simple as
>>542841634>>542843542Must suck to suck.
>>542841634$8500$2000 to the IRS, social security and slimy state "assessments" that are totally not backdoor income taxes.$430 goes to mortgage amortization$1200 to fucking property taxes$500 to casualty and car insurance$80 for gasoline$150 reserve for vehicle upkeep but...$0 car payment$400 utilities and Internet$200 food and household groceries$85 for premium share on health insurance, but I quit the union to free up those funds; fuckers sold us down the river on that issue.$350 hobbies and discretionary purchases$25 haircut~$3000 leftoverLess to complain about than others. That reflects a lifetime of halfway decent decision making, functional parenting and a little luck I probably wouldn't have gotten without the other two.Still a grim picture though.
>>542841634Western leftist anti-white progressives and their kike masters have ruined the world. Not a single shred of beauty or joy remains in it. I have no prospects or hope in the future, there is nothing left for me in the remaining four or five decades of life other than to watch these bastards suffer and die. Not just any death, but to die screaming in as much pain and terror as possible. I want them to die in ways the human mind has yet to conceive. Every single sneering, smirking holier than thou American or Britroach virtue signalling godless leftist progressive who celebrates and supports immigration, shitskins, transsexuals, pedophiles, Muslims, groomers, feminists, the whole leftist kike ensemble.I am not rich by any means, I make about 10,000 dollars a month and have about a million in savings, but if I could give any part of it to make a liberal die painfully as possible I'd give it without hesitation. I want to pay for them and their children to be tortured on Liveleak like that ring of rich Westerners who paid Indonesians to torture baby monkeys for their amusement. I will dedicate the rest of my life and energies to this one objective, to hoarding enough wealth and resources to make this a reality. If I could pay for just one Judeo-Western leftist to suffer and die, meaning and happiness will be restored to my life once again
>>542848952Look it up yourself, you blue collar grease monkey.
>>542841634>$1000 goes to debt paymentsFucking stupid regard
>>542851361> Western leftist anti-white progressives and their kike masters have ruined the world.
>>542841783>>542848952>>542851406>Two retards trying to compare job opportunities and economies in completely different countries and farm izzat by dissing one another instead of simply accepting their ignorance of the others' situationCringed just reading this comment chain desu
I save $2500 a month by living in my car
>>542841634You are only paying $655 for health insurance?
>>542841634>655 a monthTimes 12 monthsYou spend almost 8k a year on health insurance. When was the last time you went to the doctor and what was it for? I am willing to bet it wasn't for something even one tenth of that value. You could get most of your teeth replaced with caps for that much money and never have to see a dentist again for the rest of your life. I dont think young healthy people really how much money they are wasting om health insurance. Basically all insurance is a scam. The only people who actually need it are having their costs and the company's profits covered by a bunch of people who dont need it.
>>542851030He gave good advice but lol you're poor nobody cares about your brown grievances towards white people in Europe.
>>542841634The average salary in the UK is but subsistance wages. Enough that the government doesn't have to also take care of your housing and food. Only 20-30% earn enough to send thier kids to a decent school for education, they in return are expected to pay enough tax to support 1 or 2 families on benefits, the increasing benefit burden is now funded by borrowing, in turn funded by government bonds on the international market. The shrinking middle 20-30% can only lead to one destination .. and it is coming sooner than everyone believes. I will not get a pension and I am over 50.https://www.youtube.com/watch?v=mZI-NcqcNOw
>>542841783>Poolish doctors train for 4-5 years Grim
The thing is, if you actually genuinely need that insurance company to pay for something that you cant afford (because you've been giving them 8k of your money every year instead of saving it for when you need it) theyre going to bend over backwards trying to deny your claim. If they deny your claim do tou get your 8k per year back? Would you not be better off putting than 8k per year into a savings account or a market portfolio? Insurance is a scam.
>>542841634$16K / month>$5K taxes>$2K 401K>$366 HSA>$340 medical/life/dental>$3K onlyfans>$2K rent>$1K vodka>$2K McDonald's >$200 bus pass>$100 left overNot sure how anyone can survive in this economy.
>>542841634>$1000 goes to debt paymentsStop living beyond your means of income, dumbass.>$810 goes to car paymentsDon't buy a $20,000 car if you can't afford to buy it outright. Either that or don't complain about monthly repayments. Buy a $2,000 used car instead and learn how to fix it up if it needs fixing.That's what we do here in New Zealand. Most people here get around in 20-30 year old cars from the 90's and 00's because the previous owners keep fixing them up whenever a part breaks. Americans just buy a $20,000 [current year] model after the radiator in their old car fails (or something else that's fairly easy to fix).Stop throwing money at your problems and learn how to fix things. It'll save you a shitload of money. We do this out of necessity in New Zealand because importing shit here is expensive. But you yanks could be rich as fuck if you tried learning more life skills.
>>542849705It says right on there that I'm a contractor. (i.e. I move from place to place on contracts)Why in fuck's name would I buy a 500k house I'll never stay at when I'm 2000 miles away?
>>542849713It's way, WAY worse than you think.
>>542850586Property taxes keep corporate landlords from taking out loans to buy every square centimeter of land in the country and "renting it out" for everyone to use while having no obligation to use that money to help anyone. However, any property taxes in America get sent to Israel anyway because we vote for Israeli dual citizens and AIPAC vampires. The solution isn't "no taxes," it's "no Jewish supremacists in office."
>>542850251Let's see when I make 300k(+100k bennies) and fucking models while (You)r ass is jerking off to anime and busting inside a cumsock, who really won?
>>542848891Your hourly rate is $130K per year, which is 40% of the monthly pay you said you get. I'm going to need you to provide multiple paychecks with similar levels of OT/DT to verify your income assertion.
>>542852605>paying money for medical billsAny doctor that charges money from their patients is inherently violating their hippocratic oath and should therefore have their license to practice revoked. If you sign up to be a doctor, you signed up to help sick people, not to make money.Doctors should have to work for free, but be given state-sanctioned immunity from having to pay for anything (i.e. they can walk into a supermarket and not have to pay for their groceries, and the supermarket just has to accept that and let them have free groceries. The supermarket accepts the financial loss of losing those groceries and their monetary value).In other words, doctors should have to work for free, but in exchange, they get to live "outside" the economy and therefore get things for free.
>>542841634>$600 goes to gasstop driving a fucking tank to work
>>542851793>>542851406the difference being i could to go poland and fuck any woman i wanted because i make 25k a monthPoland anon would get buck broken by a McDonalds worker in Cali
>>542853108We don't get free stuff because we stick our tongues out and dance with a scary face like you do. Medical doctors are compensated because they'll kill you if you don't pay them. End of story.
>>542852605If you're working 75 hours a week in Cali you must be a tradie. If so why in fucks name are you not in the Union?
>>542841634don't worry bro. we're all getting $5000 each soon from trump. you just gotta vote for the republicans in the midterm
>>542841634>1000€ monthly salary>600€ goes to rent>150€ goes to utilities>50€ goes to ISP>0 goes to gas or car payments because I couldn't possibly afford a car, and I couldn't afford to drive one even if I got it for free>the remaining 200€ have to be split between food and household necessities which are all more expensive than in countries like Sweden and GermanyPlease get me out of here
>>542841634All rent is theft. All rentoids are part of an elaborate system of slavery.
>>542853057>Your hourly rate is $130K per yearpure sex innit?>which is 40% of the monthly pay you said you get.As a contractor in the Union it is my right to leave any jobsite that does not provide me the OT/pay/comp I desire.I took a new call giving sex0 per diem (non-taxed). Worked only 4 days last week but got PD for all 7. Hourly about $141 before bennies
>>542841634If you can't afford to tip, don't eat out.
>>542853258Nah that's per 80 hour pay period. I'm a defense contractor in R&D
>>542853885>defense contractor in R&Djoin a trade anon don't sell your soul to the jews
>>542852354It absolutely is a scam.And it's so evil that if you don't buy in, you have infinite downside for a single ER run.Sure, hospitals need to provide 'good faith estimates' for scheduled medical procedures, but emergencies? They can charge whatever they want.
>>542854041Work life balance and benefits are too good. Sorry.
>>542841634LOOOLthis nigga earns 6k a month and is still poorkek
>>542841634>$7000 monthly salary>$0 goes to rent (live with parents)>$0 goes to car/gas/etc (100% travel job, I get a rental car)>$i forgot amount goes to health insurance >negative ~$1000 goes to food (I get per diem and I don't spent all of it) >$5 goes to keeping my personal website runningIs this sustainable?
>>542854091>work life balanceUnion contractors don't work any hours above 40 they don't want to. You can take six months off a year if you please and get a job on Monday.>benefitsWe have completely free healthcare and a massive pension.
>>542841634>$2100 goes to rentStop paying off a boomers 7th mortgage for the 4th time, buy a fixer upper and fix it over the weekends>$1000 goes to debt paymentsStop buying crap you dont need>$810 goes to car paymentsBuy a used low mileage honda mazda or toyota, pay for it in cash and drive it for 20 yearsYou can now invest half your income and retire 20 years early.
>>542841634It boils down to the algorithms that large corporations/conglomerates/hedgefuns/Govs/Jews have running. The know EXACTLY, PRECISELY how much they can squeeze out of every single citizen at any stratified layer of our economy. The entire system used to fight over customers attention now they fight over markets share instead because the system has been perfected to FORCE you into consumerism if you participate to any meaningful degree. Attempt to holed a 5k/mnth job in finance/corpo setting with a shit hole apt and no vehicle, see how fast the "bosses" get concerned with your performance. That where the stupid unchecked push for immigration enmass of lower caste demographics, the fat cats are trying to increase market cap. My two cent anyway
>>542841634>$6500 salary>wife $6000>about $5k to tax man and pension >$2k mortgage payment (about $600 debt reduction and about $500 comes back via tax)>$1k health insurance, car related expenses>$1k groceries, stuff for the house, bike maintenance etc>$1.5k babysit costs, utilities, related taxes and stuff that is difficult to plan, like the dentist, new glasses, clothes. The rest Goes to savings, investments or sometimes big stuff like a new car (i bought a $50k one out of hand this month) or a dormer. Seems sustainable but by god those fucking taxes are murderous.
>>542846644>>542848891Big hitters. America is so skewed man.
>>542842299Are you implying that it’s illegal to drive a car past a certain age in Finland even if it’s maintained and not considered to lack roadworthiness stabdards?I’ve never heard of a country with rules like this. How to people collect, drive, and show off classic cars? What about antique vehicle collectors? For example, in the UK, they hold steam tractor festivals, also in Germany. In many parts of Europe people collect old cars.In America, there’s a huge classic car scene. I’m from Michigan, which is the birthplace of THE automotive industry of the world, and people hold events all the time to show off classic cars. Everything from 1970s muscle cars to Ford Model T’s (Manufactured in the 1910s and 1920s)
>>542841634Salvation in Christ is free.
>>542841634I have 3400 USD left after 36% in tax1000 ish USD on average for making bespoke items for people in various games550 USD in rent in an all white community in the burbs of a small city43 USD in car insurance and road tax50 ish USD in gas and maintenance on a cheap, boring but reliable 2011 Euro box i bought for cash47 USD on an unlimited mobile sub200 USD ish on food, as it varies, but it`s not much as i only eat healthy and traditional food that i make at home0 USD on subs for random kike slop 0 USD on kike subs no one needs0 USD on online whores or anything similar I do throw a couple of bucks to random garage bands that clearly denounce kikes and a concert every now and then if it`s fairly closeI have no debt at all, close to 60k of "what if" money and a bit of stocksPretty boring life to some, but i don`t need much and i can easily afford what i do need
>>542850251Uhh 60 hours a week for 25k MONTHLY is absolutely a flex. This is clearly someone who has proven experience in his trade that fulfills an important role. If he didn’t want to work that much, he could go work 40 hours a week somewhere doing the same thing and still make absolute bank.
>>542841783> be me> Polish
>>542841763How do you think he qualified for the 6k a month role?
>>542841634cap rent at 1600 (share an apartment)
>>542852605$2k 401kyou should only contribute what your employer matches, anything after that needs to be in a brokerage account so you can access it before retirement. there is zero benefit of contributing more than your employers match on a 401k
>>542841634>$1000 goes to debt paymentsthe fuck you doin nigga, get that shit consolidated
>>542841634>$13,750 monthly salary>$1,075 goes to rent>$0 goes to debt (I have none)>$0 goes to health care (VA for life)>$130 or less goes to gas>$160 goes to groceries>$53 goes to car insurance (full, comprehensive)>$100 goes to utilities>$35 goes to ISP (T-Mobile)>$5 goes to renters insurance>enough left over to max out 401(K), IRA, and contribute the remainder to a brokerage accountJust make more money and spend less, fagtard. I worked for all this using my big brain energy and live my life in ways your prissy insecure faggots "just ugh can't" and now I'm a millionaire woth more in my retirement account than the average retiree at half their age. If it's "unsustainable" then stop fucking sustaining it you broke ass retard.
>>542841634>pays for health insurance are you that weak? just don’t get hurt or sick.
>>542841634>3800€ after taxes>1200€ goes to mandatory expenses>Spend random amount 100-400€ to something nice>Invest the restEasy living.
>>542858771401k's have tax advantages if you plan on being a poorfag in your old age. Thus redditors usually recommend going all in on it.Real chads don't do 401k. Roth or no.
>>542858771100% wrong for 97% of the population. The overwhelmingly vast majority of people would never save and invest so much, at such an old age, that your strategy would be a winning maneuver. I can almost guarantee you yourself do not. What a foolish thing to say.
>>542855259Yes thay is absolutely entirely correct. These massive financial firms and multinational conglomerates have on staff several teams of psychologists, economists, and related fields in order to determine exactly how and when they can squeeze every last fucking penny out of you and when you're most susceptible to acquiesce, if they can't outright force you to do it through government or some monopoly. The only way to win is to FORCEFULLY BREAK IT.
>>542852354>>542854063Yeah but every faggot cheered it on breathlessly when it became mandatory for vehicles, and nearly everyone else else for medical. Now that it's normalized, the vast majority of plantation cattle turn white in the face when you bring up the horrifying thought of getting the government the fuck out of insurance. You just KNOW politicians got paid off to make us buy this shit. "Buh-buh-what of s-someone h-hits my car?!" Faggots that you are, you sniveling wet pieces of pussy shit, the person most likely to hit you is almost assuredly not even insured to behin with. Good luck getting your own to pay out what's needed, let alone a tiny fraction of what you paid in, nevermind what it could have been worth if you had invested it. "Oh no but muh medical bill sad stories" Who do you think planted those stories you faglovers? The (((media))). It isn't fucjing conoassionate for you to force poor people to pay a fucjing thousand goddamn dollars every single month only to still get jewed by their kikesurance when they need it. The mass public is nothing but a fat goddamn cow to a financial slaughter. Fear sells and goddamn does the slithering spineless public BUY.
>>542841634>1600 monthly salary (only work 4 hours a day)>paid mortgage>100 gas>120 utilities>300 groceries>70 health insuranceThe trick in a socialist system is to never actually accrue real material wealth except for a paid off home because you will just be taxed to death anyway. I have more time than I know what to do with and still have at least 500 a month to dillydally with. Git gud.
>>542841634How did you get your utilities down to 100 bucks wtf?
Hey man at least you have a job. I'm unemployed and I don't even get benefits or unemployment insurance. I work side jobs. I make about $1, 500 a month in side workI have three grand in debt which is nothing, I live at home I have two cars that I fixed myself that are 20 years old. And I have to pay for all the other shit that you have to pay for as well.... minus rent and car note.I'm still staying alive and fine. You are whining about nothing. Adjust your spending and blame both the Democrats and the landlord Jews for fucking up housing prices and blame the Republicans for the cost of living.Git gud. What? You never been poor before?
>>542841783You're a doctor you're going to be shilling experimental treatments that are only going to get people killed. Malpractice is a leading cause of death not just in the US but worldwide. Polish doctor? Is that your flag? The joke writes itself.All you had to do was be an honest person.
>>542842299I am driving a 25 year old vehicle. Left-wing retards want to get rid of everything and make everything electric so I make sure to pollute the environment as much as possible. Also it's in better shape than most 5-year-old cars. And that's the only one of them. Finland is gay
>>542861142This is pretty much how it works the more you make the more you get taxed and that's why this country is in the toilet but it is also why the right wing Jews have taken advantage so there is no wiggle room to grow. Stay just broke enough to fly under the radar. And keep some collectibles and easily sellable assets around.
>>542860152>100% wrong for 97% of the population.97% of the population is niggercattle.You invest in stocks with your own money = you pay income tax NOW and 0-20% in capital gains AFTER your shit grows.401k means you don't pay income tax now, but you cut your shit in HALF the day you actually withdraw it in retirement. The only real 'advantage' it offers is that your niggercattle ass will be discouraged from pulling from it until retirement, which is entirely an issue of self-discipline and impulse control.
>>542858771Tax advantaged, tard
>>542863092That's not how 401K disbursements work at all. Are you a complete moron?
>>542863582>That's not how 401K disbursements work at all.That is exactly how it works. You were unaware you pay income tax when you pull from your 401k?
>>542841783>24>graduate from med schoolI'm sure you did, Grzegorz
>just work harder
You earn 6 figures in Canadian dollars.Unless you live in Manhattan or San Francisco, how the fuck are you burning through so much cash?
Get married.
>>542867051Do you have any idea how much the cost of living here is leaf? It’s insane. Half of us have debt we were forced into by our parents or grandparents for college like student debt. Or we had the audacity of using a credit card and some point to buy food and gas until we could find a new job after getting laid off. The entirety of life and the economy is set up to only drain and never reward us at all.
>>542867237You should have made better choices.
>>542848891>>$25000 monthly salary>trades>claims trades make him $300K/ year salary. Ah , a CONTRACTOR. That's a different story than trade.
>>542867237I lived a week in Toronto for less than $1000. At out every meal, partied every night with a fat girl who I matched with on tinder. Any other city worth going to would be $5.
>>542867237>The entirety of life and the economy is set up to only drain and never reward us at all.The entire economic system is made to benefit the stockholder. They want to maintain their 11% annual returns per year.>Elon will make 110 billion dollars doing absolutely nothing.(You) are the paypig that will finance this entire operation. That is -- unless you find a way to quit working for bitch wages and become one of them yourself. A tall order.
>>542841634>7800 monthly salary >0 rent>1000 debt>305 car>0 health insurance >200 gas>800 groceries >300 insurance >80 internet >300 phone>400 utilities >4540 left overI'm actually doing pretty good because I was given a house for free
Why is this entire thread either>heh skill issue im fine. dont care things are getting gradually worse for me too. dont care about my civilization ending.or>le ebil capitalism did this because some people can print their own money at will and cause inflation, and they also dictate how the economy works and mandate high home prices, and somehow that's the market economy's fault
>>542867654>I'm actually doing pretty good because I was given a house for freewhat about health insurance, how is that free
>>542867654> I was given a house for freeThanks Biden
>>542860082>401k's have tax advantages if you plan on being a poorfag in your old age. Thus redditors usually recommend going all in on it.>Real chads don't do 401k. Roth or no.While this anon is strange, he's correct.
>>542841634Find cheaper aptTf you pay 1k a month forSell the car and get used old one, or a bikeSucks to be american to pay for basic HCGas is minimal on bikeGroceries are fineInsurance is gone with no carSteal your wifi or share with othersThere, saved you a bunch
>like $2400 monthly if im lucky>$2000 rent>no debt>335 car>healthcare?>150 to car insuranceWell now look at that I'm out of moneyI can't get a better job cause nobody will interview me despite my experience and degree
When it's time to recruit the young white men they will offer debt forgiveness as an incentive. You're in debt now so you will be more likely to join up when it happens.
>>542867519Being a contractor has fuck all to do with it. Guys working in utilities make even more. The point of being a contractor is the FREEDOM and ability to pick and choose where to work. Boss man better treat you good or you can pack up your shit and be on the next jobsite by tomorrow. And never forget>everything -- including the pay -- is owed to the Union.
>>542867735I simply do not have healthcare
>>542867871what do you do.
>>542868093ITYeah yeah post your dumb SAAR meme
>>542856457are you suggesting that your debt has something to do with the positions you qualify for?
>>542868223i would like to redirect you to this >>542850027 thread. I made it specially for you.
>>542868401I did warehouse workIs that enough for you dickhead?
>>542865650God you're retarded. Money goes into 401K tax free. There are no capital gains. Disbursements are taxed as ordinary income. There's no 50% loss on disbursement. Only an idiot or someone with a terminal illness would not max out their 401K because it reduces the total quantity of dollars going into that 35% tax bracket (for me). I could pay 35% tax on it now or 20% tax on it when I'm old - not factoring in the compounding gains.You're so stupid, you should commit suicide.
>>542868495>dickheadWoah woah woah. I both provided you tough love to improve your life and potential job options.Would you rather I whine and say "DA JOOOOS" like everyone else?
>>542868514Don’t bother anon. Let them suffer.
>>542867935I would rather starve than serve this country. I would rather starve than ever serve or help a nigger or jew in any way.
>>542851336>mortgage amortizationIt this mortage payment? or payment to reduce it.why would have this if no mortage payment is listed.
>>542848891I refuse to help shitskins.
>>542841815>"Owning" property and paying property taxes Advanced renting
>>542868514>Money goes into 401K tax free.Correct.>There are no capital gains.Correct.>Disbursements are taxed as ordinary income.Which is high. Capital gains is 0% up to $49,450 a year (double if married). It caps at 20% for withdrawals of $545,000 or greater a year. With income tax its 35% + state income tax.>I could pay 35% tax on it now or 20% tax on it when I'm oldThe math doesn't agree with you. Perhaps you should ask AI for assistance on this one.>You're so stupid, you should commit suicide.seek mental help.
>>542868776>Don’t bother anon. Let them suffer.kek>>542868514Now here, I did it for you.With 10k invested per year, you would be left with a whopping $1,000,000 extra.That's not even accounting for the fact that you could potentially be paying ZERO on LTCG without an insane withdrawal rate.Nor is it accounting for the OPPORTUNITY COST of permanently locking your money into a 401k for 45+ years, which you could have invested into other ventures as the opportunity arises.My last bit of advice is this>stop thinking like goyim, think like a jewBecause clearly you're not understanding the fine print of the system.
>>542868706I'm 30I'm not getting a fucking apprenticeship
>>542869370Am I missing something or does this not take into account the upfront tax savings of a 401k vs brokerage account.
>>542841634Lmfao look at those numbers. If you're being srs you did it to yourself holy shit!
>>542869370Again, I refuse to help or serve another shitskin for the rest of my life.
>>542869387>sunk cost fallacy>>542869553>upfront taxWith the maximum 35% tax bracket upfront, with 0% in LTCG the total balance at the end is identical. If you sit any lower than that, you'll benefit from Option B. Which as I said>if you plan on being a poorfag in your old ageSo even if the money is nearly identical in the end -- you are giving up a LOT.>opportunity costWith a brokerage you can take the money out and invest it into anything you want -- at any time. You can trade stocks and choose winners. You can start a business. You can buy a house.You can't do jack shit with a 401k. You're cucked into holding that bag until you're old and withered, unless you want to pay massive penalties, thereby making it a far worse option.If I decide I want to fly to Tijuana to fuck hookers and do blow, I can do that at any time with zero taxes, as long as I keep it under 50k a year. 401kucks won't get to do any of that.
>>542841634Lol me and my gf pay 500 for half a house that's how bad it is here I'm on 55k a year
>>542863092Don't (You) me with this retarded nonsense. You are wrong. That's not even close. There isn't even a 50% income tax bracket in America. Obviously. Like Obviously.
>>542869968All of this is predicated on the assumption that it’s either or. Would really be better to look at tax implications for someone maxing out their 401k, HSA, and Roth. Then they put leftover into a brokerage.
>>542869134Friend bought a condo for around $150k-$160k after the last crash... They sell for $300k now. I own the old family home after my mother passed. Paid off, property tax under 2k a year due to CA's prop 13. That passing of a meh (by wealthy people standards) assets to me is the only reason I'm OK working a wagie cage job at $30 an hour. So there is merit to buying a place. It's crippling people's future that it's out of reach for most now.
>>542841634Better state than myself, where I’m at net -$13,000 every month, quickly burning through my inheritance
>>542870138Again anon, stop listening to Reddit.All the real chads know that using a brokerage is the better option. Pic rel.>tax loss harvest>no "forced withdrawals" (lol) on your OWN MONEY>can secure Chadlier loans>can use the money for LITERALLY ANYTHING instead of trusting a Jew to keep it safe for lmao 40 fuckin' yearsYou guys seriously need to think about this shit more. Don't treat everyone who peddles financial advice and looks suave as being an authority. They usually don't know shit and will try to trick you constantly.
>>542870051> There isn't even a 50% income tax bracket in America.He didn’t specify only income tax kike. I don’t know if you’ve noticed, but we get taxed on everything here. We get taxed on every conceivable aspect of our lives. We get taxed if we have a wet fart. That tax money is taken and given to people who hate and replace us, or foreigners who also hate and coordinate the replacement of us.
>>542841634why are you renting and owning a car? If you live in a city, walk or take public transit, your car is killing you financiallyI know things are tough in America but that part's fixable
>>542867986i was going to say that's a bad idea but its probably smarter than it seemspro tip: if you get seriously sick just come to Spain and you'll be treated for free, whether its surgery or whatever. everyone should abuse this, fuck this country.you may think you need citizenship or something but you don'tyou could also just go to mexico, thailand, or something, and get reasonably priced healthcare. you may think it's worse because it's cheaper, but no, your government is just forcing the market to keep doctors rich. just like housing isn't better in areas where its cheap.
>>542841634Sounds like you need a better job there buddy
>>542870775>why are you renting and owning a car?is this bait?
>>542851336$200 a month for household groceries?What are you eating animal feed? I can't even cook a balanced dinner for 3 days for less than $30.Food requirements for nutritional long term requirements to stay strong fit and not develop cancer also scale quickly with how active your job is.A tradie needs 4x the food of someone sitting on their butt in an office all day.
>>542841634I have 38 and i still live with my parents and i don't work. Till now it has been pretty sustainable for me
>>542869968Its not sunk cost its that nobody will give me an apprenticeship when I'm fucking 30I'd happily be an electrician
>>542871046BASED
>>542870872>ha! sounds like you need more money, buddy>hehe, looks like someone can't afford a nicer neighborhood>that's a you problem bud, some of us can afford better>30 years later>wait why is my country a shithole with millions of muslims who hate me and no young white people?
>>542871132>nobody will give me an apprenticeship when I'm fucking 30nigger ive seen 50 year old apprentices kicking ass. They never whined about shit eitherStop making excuses, pussy
>>542871532Ok lemme just message some electric companyAnd when they want me to speak Spanish to em cause I live in Florida they'll laugh at my gringo ass
>>542871615"some electric company"You go down to the Union hall and sign the books. Florida has open calls right now you'd be employed by Monday.>But you won't.And a good thing. We don't need whiny pussies
>>542841634Live out of your car, take showers at a truck stop. I just saved you 2 grand, you're welcome.
>>542871532>>542871815keep blaming le lazy millenials while your country gradually becomes a third world shithole you fucking retarded boomer, you're just like that other guy from norway i just responded to >>542871493the average person is so fucking stupid and useless , its so frustrating. dont you think he probably knows more than you about what he's trying to do for a living? do you unironically think the job market is great but people complain because they're all pussies?
>$2,000 monthly salary>$0 goes to rent because I live with mommy and daddy>$0 goes to debt because I'm not in debt>$0 goes to car payments because I sold my car>$0 goes to health insurance because I'm not insured>$0 goes to gas because no car>$0 goes to groceries because mommy cooks all my meals>$0 goes to car insurance because no car>$0 goes to utilities because dad pays those>$0 goes to ISP because dad pays for that>$0 goes to renter's insurance because I don't even know what that is>$2,000 goes to gacha games because I like big anime tiddiesThis is sustainable.I'm 38, btw.
>>542872026Holy shit. BASED!!!I kneel king. I'm not worthy of directing myself to you, but please give me a (You) so I may get a fraction of your basedness.
>>542871983>dont you think he probably knows more than you about what he's trying to do for a living?I don't give a shit about what he's "trying to do for a living". His career is ass and doesn't pay dick.I gave him options. He whined and cried because I wasn't entertaining his pity party. Then he made up some bs about le not speaking Spanish ebin XDDD>boomerNot a boomer. Gen Z. And I'll be retired by 30 because I didn't make excuses and writhe around in self-pity. (You) are destined to be a loser unless you make that change. And yes pussy, that means>DOING WHATEVER YOU GOTTA DOTo make it in today's world. No it's not boomer paradise, you can't be a weak faggot who pushes pencils and expects a McMansion paid for in cash. Sorry nigger, this world is one of adversity and struggle. Rise to the challenge or accept your fucking fate.
>>542872154>i'm right because i make more money than him>he has to agree with the options i gave him because i make more money than him>i make more money than him so he is whining and his arguments are wrongYou're such an imbecile, you remind me of another anon who was reportedly rich from crypto and was lecturing other people on how they should be curious about new tech and they'd be rich too. (Imagine basically winning the lottery and becoming insufferable)Or another anon the other day that I brought up how salaries are determined by market prices aka supply and demand, and he started trying to coach me and saying "nooo broo your salary isn't determined, you can make more if you work for it, come on dont give up". What the fuck.Can't you useless retards try to actually discuss politics on /pol/ and focus on a social problem we're talking about and its causes, instead of calling people losers for pointing it out (and thus presumably being affected by it)? How fucking stupid are you?
>>542872071
>>542841634niggersneed
>>542871853Plenty are doing this but let me introduce the real cost of that:Bad sleep that burns you put and makes you fall apart physically.Police harassing or fining you for being parked in parking lots or on the side of the road.No place to cook or store homemade food or refrigerate leftovers without even more unwanted attention costing you more in food and health.No place for tools and equipment to do own maintenance or hobbies, costing you more every month.Easily burglarized residence by both criminals or the government when they tow your vehicle away.More fines and fees and higher insurance rate.No residence when it breaks down or is in an accident and all your stuff is in a shady auto repair shop.
>>542872403thanks fren
>>542872026inspirational
>>542841634810 to car payments LMAO! You're issue is 100% self inflicted. 6000 a month is in the top percentile of earners in the country. It is your fault you can't make it work.
>>542872390Not only is your schizo babble retarded, but it's even harder to take you seriously when you're praising NEET anon for being a parasite.Shalom.
>>542872513>schizo babbleaka anything not simply enough spelled out to you so that even you can understand>you're praising NEET anon for being a parasiteyou were just bragging about being retired at 30, he is retired since birth
>>542872590>retirement =/= being a useless faggot who "lives off mommy"this jewish notion that all labor is evil is a rotten one. Extinguish it from your mind or be a loser forever.
>>542847295He who eats quiet eats twice... ;)
>>542871493Sounds like you need a nicer job and to get rid of dirty muzzies
>>542872663KeK what an imbecile. How are you even going to eat after your retirement at 30 that you're predicting, you retard? Aren't you going to be a useless faggot who lives off others by your own logic?I already know more or less how you'll respond. You are an NPC with no inner dialogue, so you only respond to stimuli in front of you. Notice so far your comments:>see comment complaining about economy>must be poor haha loser!>see a comment that's not turbonormie cookie cutter babble>what is this schizo rambling it makes no sense!>sees someone who's based and refused to work (you're culturally preprogrammed to be against this)>wow what a loser! that can't possibly be acceptable!You can't discuss politics beyond seeing it as "heh someone is complaining about economic conditions must be poor", you can't process what I said in the "schizo babble" comment, and you can't even figure out the fact that NEETs already have what you're trying to achieve>>542872892how stupid are you kek, i know you're trolling but still
>>542872942
>>542872411The only real unmitigatable issue is the sleep part if you're a bad sleeper. The rest all have workarounds, legal parking, portable cookers, minimize the crap you own, etc. In the end, it's up to everyone to decide how much comfort they're willing to sacrifice.
IT'S NOT TRUMP'S FAULT TRANNYYYYYY
>>542872942>How are you even going to eat after your retirement at 30I make 300k a year dawg. Keep up.>You are an NPC with no inner dialoguestopped reading here. Cope and seethe
>>542873173>I make 300k a year dawg. Keep up.ok and after you retire you fucking imbecile?
Everyone here is criticizing bills, certain liabilities, how they would save 200 per month by living in the middle of nowhere, etc.What you really need to do is figure out how to increase your income. If you’re not an absolute retard with spending (we all have to learn with at least one stupid decision), an income increase is your way to a better life. You can only cut so much out of your lifestyle. You still need housing, food, transportation, etc. the answer is crystal clear, increase your income.
>>542873294he'll live off his 401k
>>542873343>401kI'm union. My fat pension will take care of all my base needs. My 300k in divvies+gainz will fund my whoremongering and cocaine addiction
>>542873343that's my point you fucking imbeciles. please don't (You) me again. if a NEET who lives off his parents is a "parasite" according to this guy, jews are bad for not wanting to work, etc, then what does that make him for living off investments and not working?
>>542873444>someone who earned his income through hard work =/= someone who parasitized off his own flesh and blood
>>542873043Portable cookers will get you noticed and ticketed, towed, or asked to leave and not come back or be considered trespassing within an hour of most jobs.Still no refrigeration. And eating out or cheap processed crap gives you cancer and makes your health costs go up.The only legal places since the homeless crackdowns are mostly campgrounds that charge more than rent in an apartment monthly.It is not realistic in most of the US.Also no residential address is a big nono for jobs, and many official forms. And you need a po box and monthly cost for the rest. You also can't order things online which is now required for many products.
>>542873411Gotcha. I wouldn't put all the buckerinos into stocks, funds and memecoins.Have some physical investments and some cash on hand.>>542873444I'll (You) you as much as I want sweetie
>>542868324Cool it with the antisemitism
>>542841634>$6000 monthly salary Get a better job>$2100 goes to rentGet a smaller place or get a gf to split rent >$1000 goes to debt payments Just don't pay >$810 goes to car payments Your dumbass fault for getting a huge loan with interest>$655 goes to health insurance Lol, lmao>$600 goes to gas Don't drive a gas guzzler
>>542873507His parents had it much easier and want to support him. Maybe they have properties they bought for peanuts and they're perfectly ok with supporting him. It may be that or he leaves the country and doesn't see them as often. Maybe he's also taking care of them.You're so fucking stupid. If you have properties you rent out as part of your plan, you're literally more of a parasite than him, as high rent prices are artificially imposed by the government and not a result of fair market prices.Don't quote me again, I won't respond.
>>542841634>10k monthly>2k to taxes>2k on rent/utilities half the year (also own)>400 to food>400 to gas>200 to vehicle insurance(s)>300 to health insurance>200 to medical stuff anyways>80 to phone>200 to alcohol>300 to bars/parties>300 on nicotine>300 on maintaining/replacing various vehicles i need>0 to tfw no gfi’d have so much more money and fun if i wasn’t a degenerate alcoholic>>542842092idk where he lives but there is not a single place with 100 miles of me where you will pay less than 1k unless you do it from a friend>>542842299your car can be totalled and missing panels and no one will stop you from driving it indefinitely. i used to drive a 60 year old car, 200 dollars for a permanent, normal registration
>>542873621just leaving this here just in case since i wont respond to you again, yes i am a neet in case you didnt notice my flag
>>542873655Dirty neets are one of the reasons they're opening the flood gates for shitskins into Europe.
>>542873444A Portuguese man, touched by an Italian nationalist group ("gringo morto l'occidente forte"), wrote this Spanish song:https://youtu.be/K-jVxZ8kKvUPor Colon, por Colon.Si los gringos de America murieran,El Imperio volveria a reinar,Correria la sangre del mal,Como corren los rios al mar. (bis)Por Colon, Por Colon,Matare, matare a un gringo,Vengare, vengare a mi America,Con un traje de luces mingo. (bis)En la lid como el Cid, embozar,De Lavrador a Islas Sanson, fiel,A Inter Caetera y nuestra piel,Asi Reina Isabel nos vera. (bis)
>>542873540>I wouldn't put all the buckerinos into stocks, funds and memecoins.I got 2m in land and am currently planning to buy an apartment complex. I'll make 15k a year just in the tax writeoff alone.
>>542873621>>542873655I accept your concession.
>>542841634>1789694269996945.jpgDo some Mike Rowe threads tonight.
>>542873634>>your car can be totalled and missing panels and no one will stop you from driving it indefinitelyNot in Calufornia with smog checks.If there is any sensor ir dash light on or the computer hasn't clocked thousands of miles since last being off or reset they won't pass your smog check. This makes it illegal to drive and unregistered.California does arbitrarily say you simply cannot legally continue to drive a vehicle that is working perfectly fine anymore without spending more than it is worth.
>>542841763Could be student loan. Trump is jacking those payments up starting October 1. For most people they're going to triple.
0$ income200$ food100$ coffee, weed50$ gasoline&repairs250$ rentI bought 40btc in 2010 and budgeted it out. Early retirement with 37. What fascinates me most are people living in dirt and poverty and depression as neets.I just don't get it. 600$ is more than enough. Infact the urge, addiction to own things destroyed humans and the planet. Unless we don't go into minus GDP and learn this lesson humanity is trapped in a deathspiral of greed and jealousy.The only downside to my way of life is isolation, getting bullied, made fun of, disrespected constantly for not participating hence I have lost all sympathy for humanity and society and hope I lol be still alive to witness it's complete collapse.
>>542873846sorry i have been purposely trying to erase that government from my mind. after that it’s the government of oregon
>>542873739>Real estateGood.Wouldn't hurt to own some metals that appreciates with time in your position either.Careful on the 8-balls while you're at it
I make way, way less.No debt.All bills paid.Saving quite a bit now.Investing a bit too.Unhappy anyway, but greatful for what I have.
>>542873860>For most people they're going to triple.Those retards should've paid it off during Biden.
What's a guaranteed, well-paying job that I can get with a college degree? I'm thinking of attending college, I never did when I was younger.
>>542874845pfftNoneIf you want a guaranteed job do what that Mike Rowe larper faggot was saying and become an apprentice
>>542874573Even if you tried to, they probably still didn't process it. They're like 2-3 years backed up now at Dept. of Ed.
>>542841634When I was your age rent was like $400. Well, $200 if you had a roomate. You could could just work some fuck off job for teenagers and live independently and even do stuff like go out with friends and meet girls etc. Have you considered teleporting at least several decades into the past?
>>542870873I know US intercity rail sucks, and if you want to travel you might have to rent a car for a few daysbut the kind of US cities where you're paying that kind of rent all have light rail/subway systems, no?
>>542877757no.
>>542841783This is a bot
>>542841634all according to Keikaku
>>542877757Honestly only a handful of cities still have appreciable rail and they are all nigger infested. 150 years ago even the small cities had 24 hour electric trains that were free at point of service, as well as intercity runs. But alas, the country we used to be is like some alternate history parallel universe.
>>542878850oh no! not NIGGERS i'm so scared :(
>>542841634Move into a camper dumb goy, renting and mortgage are the biggest Jews you can fall for.
>>542877571There are a tens of millions more brown shits since 10-20 years ago, there's too much competition for jobs and housing for either of their conditions to be good.
>>542841634It's illegal to be poor in Trump's (New) America.
>>542873860Just don't pay it, fuck it. What are they gonna do?
>>542841634>>$810 goes to car paymentsShould have gotten a Corolla
>>542861505Malpractice is the leading cause of death. They just don't publish that fact.
>>542872026based
>grandad had around 6 million in the bank>marries a woman 2 years older than my father, and she inherits it all when he died >dad and uncles never gets any of the wealth passed down to them That would have set three families and 5 further families up for life.I hope that pussy was worth it, grandpa.
>>542879260at that point, i would just taxi everywhere.
>>542841634>>$2100 goes to rentthats where youre wrong. 80k a year and you're spending over 2k a month on rent. you are simply paying far too much for how much you make.
>>542879600Why? It's cheap and reliable. Are you a nigger?
>>542879481You should kill you step grandma and take her money.
>>542841634OP, you can save $2000/month by ditching health ins, trading your car for a 10 year old civic with liability only and declare yourself tax exempt on your 1040. OR, form an LLC and re-rent the apartment through that and have your employer contract with the LLC. Write everything off, even meals. You're just doing it all the lazy stupid way.
>>542879481>Updatesame happened to me about 4 times with rich ancestors chasing pussy or getting defrauded by live-in nurses. I'ts about to happen again with my stupid cunt mother
>>542879644>you are simply paying far too much for how much you make.I made about $40k a year and was paying $1000 a month rent. Literally couldn't find anything cheaper than that in my area and that's actually kind of cheap for my area. Don't know about OP, but rent is expensive as fuck because of Jewish landlords kek, so that would probably be the last metric I attack him on. Now I make around $52k and still pay $1000 a month in rent so I'm in a slightly better position, but I'm still poor as fuck. Kek
>>542841634buy a 3 year old vehicle that was leased next timeyou'll cut that car payment in half
>>542849221Schizophrenic retard shitI live around a few niggers and mexicans and mostly whites and ive never had anything stolenJust have a gun. You people act so tough on here but youre scared to go anywhere near niggers. Yeah you gotta be on guard but they arent cintantly jumping everyone they see most are pretty civilized
>>542880202>stupid cunt motherit's abhorrent how goys treat their own kin. To speak of them in such a way.
>>542880263No you can buy a new Corolla for $25-27k and put $10k down and have a pretty moderate payment. If you got good credit you can get a good interest rate and pay that shit off early to minimize interest. Why do you niggers need a car that cost $800+ per month? Live within your means. New cars are junk anyway. Wtf would you waste so much money on garbage? Get a reliable vehicle that will last you for 20+ years as cheap as fucking possible.
at least you are free
>>542880491Who is free? We're all working every day of our lives for pedophiles and Jews just to have a roof over our heads and transportation just to get to shekelsteins business so we can work.
>>542880519lower your tone at least they are allowing you to work be grateful
>>542841634>$3800 monthly income>$0 goes to rent>$0 goes to debt payments>$0 goes to car payments>$0 goes to health insurance>$100 goes to gas>$400 goes to groceries>$60 goes to car insurance>$0 goes to utilities>$80 goes to ISP>$0 goes to renter's insurance>$3160 goes to useless bullshit I don't need>$0 leftoverThis is unsustainable
>>542880635If I weren't working I'd be revolting, so you should lower your tone nigger.
>>542879939You're not the first person to say this kek>>542880202Yup. I'm about to become a father and damn, I wish I could afford one of those fancy all terrain prams for the baby.
>>542880917>I wish I could afford one of those fancy all terrain prams for the baby.this thread is mostly Dick measuring, but I’ve been a father 5 months now and this actually hits the feefee a bit. If you want a tip (besides the omnipresent hand-me-down), you can also get one of those baby carriers. When very young, they like being carried close. But you need one where you can turn them around and Carry them that way, because that’s what they like When they’re a bit older. Nice When doong stuff in the house and they can come along or for long walks.
