I understand its my fault, I really do understand this now. I didnt understand this before but I do now. My bad habits got me here. Its not the Jews, its not the government, its not the globalists, this is my fault.But the question is how do we get out of this situation? How do I actually stop being dumb with money? How do I make money, be smart with it, and save enough to get me out if this hole? For context, my dad is expecting me to go to college this winter. Im going to do that, because not only does my Dad want me to do this and expects me to do this, I really need this degree. What is some advice you would give to me? I just want to stop being poor.
>>545002684Just don't spend more than you have, what's so hard about it?
>>54500268410% of every paycheck goes to debt reduction or an investment account.non negotiable
>>545002826>>545002826Because its not that simple. I need to take debt and spend money to go to college. I have around $5000 in credit card debt, most of which is from my college tuition.
>>545002925Ok thats good advice. Thank you.
the next step after going full cuck is to take any job, be the shittiest person you can be to everyone horizontal and under you, but suck the bosses and customers dick, boss over the customer if there's a conflict. Vote, and vote republican exclusively when you do, and always, ALWAYS, lie to yourself. repeat after me:>I am bourgeois.say it anon.>I am bourgeois. I will be a billionaire. I will be Elon!!!!dont forget your diaper porn, microwavable dinners, vidya addiction, no exercise, and be afraid of anything not white. Even if you arent white. Thats it. You're now a corporate cuck nigger of the rich.
>>545002684Put it all in Bitcoin and you could be a millionaire next year.
First of all, disable overdrafting.
Say what you will, but in Islam, Usury is punishable by Death.
>>545002956Ever heard of FAFSA? Just go to university near your parents place. Are you going to Harvard? Probably not.
>>545002684I wish I wasn't a mentally ill shut-in. I've never had to handle money but I feel I could have a sizable savings by now if I was normal. I pretty much live off ramen noodles, peanut butter and water. Have no vices. and all my entertainment is free. I already own a house so I don't have to pay rent. If I had a real job I'm sure I could save loads of cash. But sadly interacting with people makes me want to kill myself so I'll be poor and most likely homeless in future.
>>545002684Kill yourself
>>545002684If you weren't born into a rich family, auto-suicide upon birth.t. 3 Ivy League degrees, went from the biggest poorest ghetto public schools to the most assclusive private schools with billionheir kids.The world is inherently unfair. If you were born poor, you most likely have bad mental/IQ/personality genetics, bad habits learned from bad family members, bad experiences (trauma) growing up--you're fucked by life before you can even take a shot, much less a good shot.
>>545002684I get you anon, i am kind of in the same situation as you. My rent and bills combined are like 80% of paycheck, and i spend majority of money on necessities (espicially groceries. no netflix/HBO/disney+ subscriptions). The landlords are greedy to the bone and milks me for every dollar but the reason i don’t want to live somewhere cheaper is that i dont want to sacrifice quality, cheaper is not always better. Everytime i pay my rent my account goes overdraft and i have to take out savings to stay out of trouble. I can’t even make a 6-month emergency saving living like that. Had a solid investment in stock and bond ETFs but sold everything and closed it to pay debt. Don’t give up anon, it’s a fucked up system and the sooner you get out of it the better.
>>545002956Fuck your credit card debt, let them chase you for it
>>545002684>I am in debt>In order to get out of debt, I will go to college and be in even more debtYeah, good luck with that LOL
>>545002684You think college will help you make money? Hahahahahhahahah!
At this point my strategy is just getting cash any way I can short of literally selling my butthole. ALWAYS have at least 50k in cash, or shti you can sell for cash.
>>545004692This. I quit an officej ob when my contract expired because they disrespected me, but that was a mistake. It was funny for the bitchy recruiter who had been avoiding my calls to suddenly call me up seething that the contract had been renewed when I didn't show up for work.>shit all over your competent workers>wonder why you have high turnover
Things wouldn't be so tough if millions of turd world monkeys weren't climbing all over our backs and if we didn't have a bunch of greedy kikes sticking their hands into our pockets to give those turd world monkeys all our shit.
>>545002956>I need to take debtNo. You don't. Work and save. Do not take on debt. Worst business decision ever.
>>545002684>What is some advice you would give to me?Invest. Saved cash is still losing value through inflation.Put your money in stocks, a mutual fund or a conservative ETF is an easy way to put your money in the market and start making profit off it instead of just letting it sit around losing money along with inflation. Compounding interest over time is incredibly powerful Small amounts of money saved early in your life and allowed to build up on itself over decades will let you essentially have a second income every year building on itself until you've got a massive retirement fund. If you don't trust stocks then buy gold or silver. They'll keep their value.
>>545004692How did you earn for the house?
>>545002684You're fine dude just chill, eat chicken and rice, acknowledge that minimum wage in the 70's was the modern equivilant of $5k weekly, and do your best. Learning useful skills helps - it'll get worse before it gets better.
>>545002684If Jews didn't give your jobs to subhuman Pajeets, you'd have been working for a tech company for 10 years and making over 100K now, which would have been enough for you to not be broke.
end car dependency. cars are a massive financial burden for most people>inb4 but what about ruralstfu most people live in cities or suburbs that are right next to a city. only like 20% of the population live in an actual rural area.
become a male escort. make it clear in your listing that you don't do any gay stuff, unless you are open to that. then wait and see if you get lucky. there's some chick out there in your local area so lonely and sad that she is willing to pay for it.
>>545005235>If you aren't jewish you're stupidSounds like an ivyleaguer to me
>>545008735I'm halfway through a car loan and want to die. Full coverage insurance turned out to be higher than anticipated, I got a speeding ticket so it got worse, I had to drive through floodwater which cost $3,000 in repairs, I hit a huge pothole at night which has racked up $2,000 in repairs, the tires it came with were squirrely last winter so I spent another thousand on safe tires. I have never been so broke in my life.
>>545002956I went through college with loans and it turned out fine. The trick is to also have a part time job, don't buy shit you don't need and don't go for a stupid worthless degree.Also you should do most of your degree in a junior college where tuition is 1/10th the cost and then transfer to a 4 year.Just don't be retarded and the loans will be a great benefit to you.>5000$ cc debtyeah, just go ahead and burdenmaxx and then move back to India where you belong.
>>545002684Dude don't go to college unless you can tell me exactly what position you're going to get and how much it pays.My biggest regret his not standing up to my family when they wanted me to go to college. I got overdraughted last week just like that, it was because of a student loan repayment 10 years down the line for my shit degree
>>545002684Man you are not even in college. You haven't even started. Worry when that's your balance and you are 35. Just make sure your degree isn't shit. I'd only help my kid with tuition if hes a doctor or engineer.
>>545002684I’m 40 and in order for me to be able to ever afford a downpayment on a home I took a full time job in the middle of nowhere in the Midwest. I don’t know anyone here and I work about 60 hours per week, but I should be able to leave $100k within 1.5 years. I was a retard all through my 20’s with money and I paid for it in my 30’s. I don’t have any debts at least.
>>545002956>>545002684You need to Money Guy maxx.
>it's my fault inflation has gone up 3000% since the 1960s while wages remained stagnantdemoralization kike thread
>>545009695>I took a full time job in the middle of nowhere in the MidwestI have no attachments so I'd be fuckin fine doing that now. What do you do?
>>545009772I’m an engineer. I didn’t go back to school until my late 20’s. Didn’t graduate until early 30’s. Didn’t pay off student loans until mid-late 30’s, and now I have no money for a house. I’m 40 and basically have no retirement savings, no house, and very little savings. At least I have a semi-decent income, for now.
>>545009855Keep it up. I'm in school for engineering as well so hopefully I can do what you're doing. You're not as bad off as someone who never took control of their life. You might snag some early 30s girl when you have your place. Good luck.
I wonder if I should buy all the new warhammer christmas boxes. I have a shelf worth of shame just sitting there. I guess I could give some as gifts.
>>545009959Not to demoralize myself any further, but as a lesson to every young guy out there. If you want to ever retire, you need to start saving in your 20’s. Even if it’s not a ton of money. You need to start early.
It's not your fault. They set you up for failure for their own benefit.
