are you buying your games on a payment plan?
no, I'm not retarded
>wake up>not american>not obsessed with "credit scores">not obsessed with going into debt for scrimblo 2God, thank you for making me italian. I truly am thankful.
>>745971331that brand new GTA 6 is $100, only 4 payments of $25
Buying?lol
No but i'm paying for my pc with Amazon monthly payments
Yeah it's called I play your game for free and if I like it I might buy it later.
>going into debt for vidyado ppl rly?
>>745971138Entertainment is not worth going into debt over
I actually bought Elden Ring for Switch 2 with a 4 month payment plan! Feels good man
>>745971805I hope it's a good PC anon, how much do you pay per month?
>>745971138Yeah, the plan is I pirate the game and if it doesn't suck complete ass I might toss you $20 when it goes on sale.
>>745971969they unironically think it's free money, like their college loans
>>745971494LOL who doesnt have $100 to pay immediately especially after all this waiting and saving
China deserves to win
>>745972002>DONT LIVE, LIVING IS EXPENSIVE
>>745972123Why the fuck would I want to spend $100 when I can simply avoid it?
>>745972196you end up paying it anyway, might just get it over with
do goyim really?
>>745972305>you're going to buy it!No I'm not. Fuck off with this retarded advertising slogan.
>>745971434Are you not aware Klarna is European or is this a reverse shitpost
>>745971434is it true all italians rub their penises on switches as a national holiday? greetings from romania
>>745972492klarna is a symptom of americanism spreading
>>745971434>God, thank you for making me italianLMAO! You fucking wish you shit smeared faggot.
>>745972659I would rather live in Italy than USA
>>745972502What the fuck are you talking about
Can't you just use your credit card to pay in installments? It's easier to scam with them, too.
>>745972726>Brings up America unpromptedRent free booooiiiiiii
>>745972805I don't work, nobody will issue me a credit card
>>745971969People go into debt for fucking doordashed fast food.
>>745972850this an american site yes?
>>745971138why shouldn't I pay later if its interest free, that's free pennies worth of interest for me
>>745971138Only dumb people use this as they don't realise you pay extra. Just save cash instead, it's free
>>745971138yeah, I plan not to pay
>>745972850>seething amerimutt>types & acts like a black
>>745972991americans are mostly brown and black
>>745971434North or south?
>>745972969you cannot do that on PlayStation 5 Multiplayer games thougheverbeit
>>745973086who gives a shit? multiplayers ass
>>745973060North of course anon. I don't live in africa.
>>745973153it's scandinavian, not american lol
>>745971434>Italianliterally the worst EU nationyour food sucks btw
>>745973231what
>>745973117Chivalry 2 is good
>>745971138>are you buying your games on a payment plan?Lol, lmao.
>>745971138There is literally nothing wrong with paying with this if you have a steady cash flow.
>>745973252Keep molding yank, i'm eating lasagna right now and you are probably eating what, frozen hot dogs? Lmao
Wouldn't it be funny if everyone posted their credit scores in this thread
I go piracy.
>>745971138No, I get my PC games for free on PC and I pay my Switch 2 games with cash, locally.
>>745973371If you have a steady cash flow you can probably pay 100$
>>745973421you cannot pirate a multiplayer game
>>745973129Lol
>>745973373not a yanq you bellend
>>745973451>he doesn't know about online fixmost games can be played online, like Sparking Zero, Elden Ring or Fighting Games, but shit like Path of Exile 2 is completely server based, so that's not possible
>>745973451That didn't stop me from pirating Rdr2 and gta 5
>>745973371what if I do not have a steady cash flow but still choose "oay later" option?
>>745973373The US is probably like 0.1% yank at this point
>>745973451i pirated gta 5 and can play on role play servers
I always payed on time and exclusively used free services like pay in three, so they restricted my account until useless
>>745971138Why do americans love paying 20% more a month later? Are they retarded?
>>745973381
>>745971138Klarna is neat, idiots are the problem.Also no.
>>745973381where do I see my credit score?
>>745971138I just got done paying off all my debt and I don't wanna go through that shit again unless it's one of those cards that literally gives you free money when you sign up
>>745973665>>745973381>max is a 1000what country is this
>>745972991Blacks are only 13% of the population. Not sure about spics and jeets.
>>745971138Yeah the plan is I don't pay
>>745971138>>745971494advertising
>>745973690>I just got done paying off all my debthow much? I'm currently $60 is debt. literally.
>>745973685any of the three bureaus or your bank usually has a dashboard you can view
>>745973708Yookay for me
>>745972123I'm going to refund it shortly anyways, why would I let them hold an extra $75?
>>745972886>paying off a pizza over 36 months
>>745973880>order pizza>pay later>never pay later>???>not hungry anymore
>>745971434>wake up>American>not obsessed with "credit scores">not obsessed with going into debt for scrimblo 2God, thank you for making me a white American. I truly am thankful.
>>745973880Just like the founding fathers intended
Why do Americans use Klarna so differently compared to the Swedes who came up with Klarna?
>>745972159>you should use money for everythingCards are more secure.
>>745972925>Just save cash instead, it's freeUhhh... No?
>>745973880>2026>not debt maxingKek
>>745973986Certain Americans believe that because Klarna is Swedish that they can't actually reclaim the debt if you refuse to pay
>>745974032Lol. LMAO even
>>745973774>or your bank usuallyMine didn't, had to sign up for one of those sites. If you do this you MUST give them a spambox. I don't look at my spambox and I'm perfectly aware that they spam it daily
How do I Debtmax?
>>745972159Yes? His success is telling retards to not be retarded
>>745973986How do the Swedes use it?Tying yourself to monthly payments for shit you don't need feels distinctly American that I didn't even think of the Swedes inventing it.
>>745971434>nig tier of white peoplelmao
>>745974212Don't look into how he got successful in the first place
>>745974206try to get into debts as deep as possible and then hope that economy colapses before the feds arrest you
>>745974206>Get lines if credit>Pay off lines of credit before they occur interest>Within a couple of years the cards will give you 10k limits>Dump all cards into crypto >Love free or commit suicide
>>745973685https://www.annualcreditreport.com/This site and this site alone is the government mandated site for the three bureaus to give you your reports directly, you can request your report once annually from each of the three bureaus.
>>745974232those shitty easy loan services existed for a long time, but only retards used them. the whole business model is based around retards missing their payments and get more in debt
>>745974281I'm aware he was a wannabe debtmaxxer who got liquidated. His advice is for people too retarded to debtmax. Which is like 70% of the population
>>745974206Be black and have permanent immunity to debt defaults.
>>745974515I don't understand how this shit operates? How can you make money off retards who do not have any money?
>>745974567you sell the debts to debt collectors
>>745974537rofl
>>745974663still confused you sell the lack of money? and how the fuck debt collectors are gonna collect if the person in question is broke in the first place?
>>745974567they obviously have some income and they they will be forced to pay, or the bank starting to impound their property, like TVs, computers or some other valuable possessions
>>745974728debt collectors buy the debt for pennies. any amount they get from the debtor is a profit for them
>>745971138> No private bookkeeping to regulate income and expenses.> Must consoom immediately.> Muh payment plan for petty cash expenses.That has to be bait, it simply must! Tis' obvious!
>>745974232>How do the Swedes use it?I mean Sweden has retards too. But the common and typical usage is just to get a 30 day buffer on your payment, so that you can actually receive your money before paying. If you never actually get your product, or if the product is incorrect or damaged. It's much easier to "refund" if you never actually made a transfer to begin with. And then Klarna gets to deal with the mess instead of you. And this costs nothing unless you miss the 30 day deadline, in which case you'll need to pay Klarna a fee. But provided you actually make your payments in time, Klarna provides a nice buffer on whatever you order through them. But these loans and monthly payments and stuff is like, real garbage. But it's apparently what Klarna has become associated with ever since it became international.
>>745974537>jewish bankers splitting a dollar into thousandthsImpressed
>>745974537>anon paid off his hotdogclown world
>>745974515>>745974567this is commonly said but in fact klarna charges the online stores a fee because their payment option increases sales
>>745974875that's literally how modern day credit cards work
>>745974917Anon... They do it down to the millionth
>>745975048>that's literally how modern day credit cards workMore or less, yeah. And it's all the vast majority of Swedish Klarna users use Klarna for.
>>745974947So does Visa and Mastercard, that isnt a Klarna thing its a payment processor thing.
>>745974832Hey, those games are not gonna play themselves
>>745974728You owe $1000. They know you're a deadbeat so they sell your debt to someone whose entire job is to rattle you on the phone for a payout for $10, then when they don't get you they sell it again for a dollar, so on in big bundles. Everyone knows you're a deadbeat here, and all the parties understand you probably won't pay anything, but enough people are afraid of enough of the levers debt collectors can pull that a whole industry sustains itself on this kind of business.
>>745971138Nah just my RAM s-sir.
It's just an option for people that may want their liquidity decrease spread out instead of taking a big hit in a single month, can make perfect sense for medium sized purchases like a fridge or whatever.For a videogame I don't think so, at least not until games start costing above 100 $.Anyway doesn't really matter, it's fine to get into a bit of debt if your not a subhuman retard that can't manage his finances.
>>745975365This world is fucked up.
>>745975528>not until games start costing above 100 $.Games shouldn't ever fucking cost more than $100. They shouldn't even be $70.
>>745971138>buying
>>745971138>Buying games after 2014
>>745975532And that's just the layman's cliff notes summary my friend.
>>745974515how is it possible to miss a payment when they automatically charge your bank account? and most of the time it's interest-free so it doesnt cost the consumer any more money. so what's the downside?
honestly, if you use these services and can pay off without paying any interest then why not
>>745973060Etrurian
>>745973769it was only like 500 bucks desu
>>745972626Because Europeans have no economy to prop up or disposable income?
>>745972886In the Netherlands we say "lending costs money".
>not debtmaxxing every 7 years
>>745975532There's no such thing as a free lunch. Just never take on debt you don't know how you're going to pay off quickly and you can avoid the whole scumbag industry.I'd rather go hungry than take on debt but the system attracts those who would take on debt rather than go hungry and traps them in a generational wheel of suffering.
>>745976012no money on your bank account, because you forgot that some insurance, or who knows what, was due this month
>>745976023if you can pay the full price now (or at least at the end of the month with credit cards), there is no reason to go into debt for anything. The future is uncertain. You could break your leg tomorrow and suddenly have huge new must-pay expenses. Just don't take the risk.
>>745976228how is it possible for an employed person to have literally zero dollars in their bank account? i dont think ive had less than 5k since high school
>>745972917Interest free if you pay in a week which let's be honest nobody does. It is a nice technicality for the lawyers.Klarna knows their target audience- poor people who want to have nice things.Because noone who can actually afford it would use Klarna
>>745976239fair point
>>745976109because Europeans used to struggled with the concept of spending money they didn't have
>>745976292a lot (A LOT) of people live paycheck to paycheck.
>>745976012You can't get blood from a stone (empty bank account), so that's one way to miss a payment. And the interest free bit is new, payday loans and other similar predatory lending outfits historically charge astronomical rates, toeing as close to and even over the line of legality. Klarna et. al simply is establishing itself and growing market share to capture more capital when it turns off the free interest, textbook enshittification. >>745976292Trolling or incredibly sheltered.
>>745976404okay i was kind of trolling
>>745976239there is exactly one situation in which you should always go into debt and that's when the interest rate is 0 (or negative, but that doesn't exist) AND there is inflationthis is because when you spread out the same dollar amount over a period in which the value of the dollar decreases you are effectively paying less for the same thingthis almost never makes a difference to your bottom line though
>>745971434Now go watch your construction site
>>745973381In my almost 40 years I have yet to take a credit for anything.
>>745976292many are living from paycheck to paycheck, especially Americans, who juggle 10 credit cards
>>745973685Ask your local rabbi
>>745976542no house or anything major like that
>>745971138You will own nothing (even the money will be a subscription plan) and you will be happy
>>745973381we don't got this in yurop
>>745974537>costco hotdog installment planHow can you even blame the kikes for taking advantage when the goyim are THIS fucking stupid?
>>745976706Frequent moving, need to find a place to settle yet. Also, with the current house prices I would pay that until I'm dead. I honestly don't know what to do. Stay a rentcuck forever, or pay my ass to the bank forever. Both is shit.
>>745976836you do
>>745976239>You could break your leg tomorrow and suddenly have huge new must-pay expenses. Isn't this the exact reason you might want to take a zero interest loan? This way you have more money directly available in case of an emergency.
>>745976894The answer was "get generational wealth", sorry if that wasn't on your bingo card buddy. Best you get is wage slaving your entire life popping out kids you can pass your debts onto (you won't be able to save shit let's be honest)
whats the point for these companies to take payment plans with no interest?
once I pay off my shit I will start saving. Fuck that, it's all way too stressful
>>745971138>buying games
I use the 4 time split weekly payment sometimes because I'm a lazy fuck with a debit card with 500 weekly draw limit. Yes sure I could get a normal credit card but I just don't wannaaaaaaa also this one costs me like nothing yearly
>>745977102the interest kicks in eventually + merchants/payment processors pay for klarna to be offered for their products since it generates more sales.
I have a single credit card, with my bank, because some online purchases need one.I have set it to the lowest monthly limit they offer.
>>745976894i was lucky enough to get a very good mortgage rate, but i get your pain. took a solid three years of house hunting to finally get there after renting for my entire life
>>745977338never heard of any online purchase needing a credit card ever
>>745977421in the past you couldn't pay for most shit online, unless you used a credit card. these days you can use shit like paypal almost everywhere
>>745976321I agree pay in a week seems pointless but I have only seen klarna pay over 3 months interest free. Seems legit to use it and then throw that money into an interest account for a minor discount, but it also depends how your credit card cashback is. Paying for stuff directly out of your account actually seems suboptimal.
>>745977728i never pay anything directly out of my bank accounts. i use credit for everything just for the safety net in case something goes wrong with the purchase. then my actual money is still protected and i have decent cash back on my card
Wtf does everyone spend their money on?
>>745978342
>>745978342>Wtf does everyone spend their money on?Saving, PC Hardware, Peripherals, Switch 2 Games, Homelab, Drives. The important gayming stuff...
>>745978484>Wtf does everyone spend their money on?>Saving
>>745978342tobacco, alcohol and mortgage in that order
>>745978342normalfags spend their money on girls, bars, cafes, clothes, cars, houses
>>745978342Mainly food. As a student I lived on rice, potatos, etc. - I had a stick of salami for an occasional meat treat, and a box of candy bars, which I allowed myself one per week.When I started earning money like an actual human being, that was the first luxury I was allowin myself: Not watching the price when grocery shopping. I just buy whatever I like. Some nice cheese? Of course. Some novelty shit just to try it, even if it's like 5 bucks for two ounces of shit? Absolutely, I don't care.Funny enough this still makes me more frugal than most other people, because I don't smoke, drink coffee, have a million retarded subscriptions or the latest electronic gadget.
>>745978342rent and food mostlysometimes Magic cards
>>745978342I need to stop buying fucking records like a dumb retard I don't have any damn money but I've got like 400 lps and like ~150 45's.Also booze
>>745971138Out of curiosity, if I DID pay with Klarna for shit I can easily afford. would that make my credit go up atleast passively? Just so I know before I do something stupid.
>>745972159>just buy your house in cash little zoomie>there is no such thing as good debt!The braindead obvious advice to avoid credit card and other stupid consumer debt is not all that insightful, and the advice to never take on debt is completely out of touch in this shitty conservatard eceonomy. I hate boomers.
>>745978612KEK
>>745979842>and the advice to never take on debt is completely out of touch in this shitty conservatard eceonomyNigga, the reason why things are so shit at the moment is precisely BECAUSE people were and are taking debt. Nobody profits from taking debt except those who collect it. Or, of course, if you're already rich as fuck and can just amass debt forever.Like, can you give me one actual, reasonable example where I should take on debt if I don't want to participate in all this insanity?
>>745971434>going into debtMan you retards are so proud of being retarded. It doesn't use credit, it doesn't affect your credit score, there is no interest on using a pay later plan. Kill yourself IMMEDIATELY
>>745979581simpler to just open a no-fee credit card and use it occasionally while paying off the balance on time.
>>745980060If you don’t want to participate, no. But good fucking luck saving up for a house in cash these days. Maybe in some really remote rural town, but even the shitty suburbs around my “city” are going for $450k-$550k.
>>745978342I've got an instrument collection worth about 50k euro that keeps growing, expanding the home gym with calibrated plates, upkeep for the house and kid, wife wants a new fridge, car needs rust treatment, cats need dental etc etc Currently saving for a new fridge and a baritone custom guitar, also I need a new rack of bone-in ribs for the freezer, we're almost out.Im just an electrician man, I don't have any debt cept the house and I can afford almost anything I want by saving a few months, shit must be real bad over in freedomville
>>745977102To get the consumer hooked to eventually start using their 6/12 month plans that do have interest rates. People will justify a 20% interest rate in their mind when the monthly payment is still low.
>>745971138Yes. I got into debt for GTA6 aswell as my lunch yesterday
Goycattle love the BNPL almost as much as jamals nightly ritual with their wives
>>745980724Mutt's law
>>745980235My credit union looks at consistent saving deposits instead of debt repaid, it's handy
these paycheck to paycheck friends are bizarre to me because if you lived on the absolute bare minimum for a while then you'd at least have a buffer to work with, even if its just one paychecks worth of buffer then again some of the people who complain about having no money are also telling me about the next concert they're going to or the next car they're "buying"
>>745977713you could always use a debit card
>>745980979>no protection>no reward pointsThey are shit
>>745971138Not for games but I sometimes use PayPal paying a month later, which means paying two months later because it then goes to my credit card. And other times I use Amazon monthly payments in three installments.I don't see an issue with it however these things don't have any fees or interest, so it's just a free credit. If it would cost me more I wouldn't do it.
>>745980878As someone who has grown up not nigger poor, but really lower middle class, who has lived on minimum wage for quite some time, and who still managed to save money, I have realized that being broke is mainly a spending problem, not an income problem.
>>745980724based bbc enjoyer
>>745980878>>745981162I know a guy who was always broke in college, and now he is always broke as a phone company middle manager. Dude just always started buying more expensive food, alcohol and appliances once his income improved.He is still renting at 37 too.
>>745980878What do you need a buffer for?
>>745980878>>745981162it's always a spending problem; spend an hour looking at those finance review channels and you see the same exact issues come up to the point it drives me insane and i can't watch anymore
>>745975532>>745975532What's Really fucked up is when banks give loans to people who they know can't pay, bundle them up to the point individual loans can't even be separated anymore and do it to such an extent they need to be bailed out by taxpayers to continue to exist because they're "too big to fail" so taxpayers bail them out and get noting in return.
>>745971138the thought there might be actual people doing this for real spooked me, fuck you OP
>>745976385>>745976558EUfag here, I thought you guys preached endlessly to be wealthier than us..?
>>745981402so that you don't think "Oh I'll buy that when I get paid", you can buy it now and refill that expense with your next pay
I do this shit all the time, thousands and thousands of dollars on payments plans, always pay on time, works out great. I think it takes a certain kind of faggot to be mad at this. You probably had an alcoholic upper-middle-class mother.
>>745981887dude how old are you
>>745971434BING BANG WAHOO
>>74598196431, but literally EVERY american here always says without exception how they're wealthier and living better and having lots of money. Then they also say they're living paycheck to paycheck. So what's the truth here?
>>745971138I'm still annoyed that steam removed gift cards and that I now have to use garbage electronic payment methods to buy games
>ad for non-video game service>200 posts/v/ was shit again today as always, but today it was extra shitty
>>745981049You can't go negative with debit card.
>>745982184They are larping, I'm also from the EU and my PC setup is probably better than 75% of /v/ and most of them would hate me for owning a Switch 2.
>>745982364>you can literally buy games with it>non video games
>>745976292I'm 29 now and I run my own business alongside a charity I started. People may clown on you for asking this but frankly I'm just as confused. I've met a few people with outstandingly shit lives who's bad finances make sense but I have no clue how the average person with apocalyptic family conditions ended up so comically fucking broke skating by from pay to pay. Is it just smokes and alcohol? Like I set all my stuff up alone without help, money is easy - you just put some aside each month for a few years and use it to roll into whatever you want to do for yourself and don't piss it away on trash. Do I just have that .09% Jewish blood in me or what?
>>745982534Why making money requires money?
>>745971138Why does that look like the YouPorn logo?
>>745981049>reward pointsYou're really one of the goodest goys
>>745971434based
>>745982084>$615 in donationswho the fuck
>>745982084remember these paypigs are the ones that "brags" and calls you a (((poorfaaaag)))retarded faggots
hey guys what does 600% interest rate mean
Is it buying if you don't own what you paid for?
>>745983037Video games?
>>745982084>why do i have no money every month!!!>stop eating out>no
Are people really so retarded they don't view credit cards as delayed debit cards?>buy everything you'd normally buy with your credit card>pay it all off because you were going to buy it anywaysI have 29 credit cards and haven't spent a dime on interest. Thanks to all the points as well the senpai and I have gone on some fuckin awesome free vacations. Churning ain't what it used to be, but it's still profitable for non-retards that don't think credit cards are free money.
>>745978342living and entertainmentwant to stop the living part though
>>745978342Mortgage payments, insurance payments, grocery billsAnd now that my house has reached 15 years old, things are starting to need repairs. Spent 600$ fixing some foundation issues, probably eventually need to have the roof looked at, that'll probably be 3k. The deck has 2 rotten boards and some cracked boards and it hits a point where it might just be cheaper to just replace the whole thing then replacing it bit by bit.
>>745982534you're aware how ridiculously easy it is to score at least 100 on an I.Q. test, right? well around half of the people can't even manage to score that
>>745982084>rent 825$Maybe in the middle of nowhereRent can go up to 2500 a month in the city, even outside the city you're gonna be looking at 1200-1400 range
>>745983756That guy had like 4 roommates
>>745982805>>745983756If i remember correctly the chart was made by a business firm (CNBC I think) by their assumption to how the average 25 years old spends money. Not even surveyed anyone, they just went and put numbers on a chart.
>>745983972No its literally just one guy. It's not supposed to be average monthly expenses for Americans It's literally just one guy's average monthly expenses.The guy made 6 figures yet lived with 4 roommates, hence the lower rent and strangely high donations.
>>745982184Americans just like pretending to be poor online and complaining while posting from their iphonealso living paycheck to paycheck doesn't really mean your spending power is low in fact it really means the opposite
>>745984425we have a debt culture and people refuse to compromise on giving up anything. perfect consumers.
>>745971434>God, thank you for making me italian. I truly am thankful.Shouldn't you be calling him Allah PBUH, Abdul?
>>745971138Who the fuck finances at 30% interest rate a fucking 80€ game?
>>745980878>These paycheck to paycheck friends are bizarre to me because if you lived on the absolute bare minimum for a while then you'd at least have a buffer to work with, even if its just one paychecksAssume someone pulls in ~$2500/month post taxes. Let's say they need to spend ~$2200 on monthly expenses, that still leaves $300 a month left over. With that it would take them ~8 months to save enough to cover one month's worth of expenses. In reality though you won't be saving $300 a month, they'll put some of it to going out to eat with friends, or buying Christmas presents for family, or buying a new rug or a replacement tire. Any number of minor/median expenses that aren't strictly necessary or an emergency but are worth it to them. Even if they only spend half of that $300 it bumps it up to ~15months to cover that $2200. Experts recommend that you have at least 3-6 months worth of expenses saved, it would take someone like this over half a decade to have that much saved up, even assuming they have no emergencies or major expenses.
>Used paypal credit one time to buy something>Their terms say they have the right to say your payment is void and make you pay it againRemember when paypal had its own digital credit card number and everything?
>>745984425>economy is fucked>future is so uncertain that people aren't saving>they spend what they would have saved on luxuries insteadha ha
>>745973964>white AmericanKek
>>745971494Or just 1 payment of $100...
>>745971138>take credit>make sure you can afford the payments>pay itit's crazy how people struggle with this. no-one's even forcing them to take it, they're literally fucking themselves over for no reason.
>>745984425>blame it on """people""">when consumer spending is 85% driven by womenWhy are women never, ever held accountable for their fucking actions? Even children will get disciplined when they do something wrong, but when it comes to women we are forced to pretend like they're completely innocent.
>>745984425Are you implying that iphone is a sign of wealth? Every child in the poorest fucking ghetto has one.
>>745985332At least two of my siblings got into credit card debt for a while. I don't understand how a whacky credit card just turns people into bumbling fucking idiots. I've never not paid my CC on time every month, and my goy score has been >750 for the past 10 years.
>>745984930I live in taxationhell called finland and I still have like 3000€ after taxes.How the fuck can an american make less than me?
>>745980060Youre about 300 years late on this, but the entirety of the modern world is built on hedging bets for the future using borrowed money and rich people gambling on your debts to make even more money but thats another beast. Point is Debt is a tool and just because some people use it retardedly doesnt make it not useful.
>>745984986I used to work for AT&T several years ago and the amount of people who would call demanding for the new iPhone every single year regardless of how many months they were in their contract was astounding. This is a hell that they created themselves, there's no reason whatsoever to be buying the latest phone every single year when 90% of the people would only use it to browse their usual social media or to make calls, but everyone was successfully trained by corporations into always having the latest and trendiest things to the point they became walking advertisements themselves, lack of money in their pockets be damned.Starbucks is utter shit in terms of coffee flavor, but it somehow still is the trendiest place to go when you want to pretend you like coffee regardless of how overpriced it is, and even then most people nowadays buy whatever flavor of the month 1000mg of sugar filled trash they're currently promoting, like the returning unicorn frappe that people would buy to take photos only to throw it to the trash when done.
>>745971494How about 0 payments of any dollarsKeep my money, my time and brain cells
>>745985542The median individual income in 2024 (most recent I could find) was $45,000 and some change. That's $3750 per month. And many make less than that!
>>745973381>unironically flashing his Goy Score
>>745971434basato e rossopillolato
>>745973542>>745973597not an argument tbqdesu
>>745973750>blacks>most of them are active criminals avoiding the governments attention at all costs>none of them younger than 70 own any property to their name>many randomly move around and shack up with each other and never have a permanent address>every nigress has at least 3 spawn >anywhere you go in public you are surrounded by them wall to wall>somehow population stays the same for 200 yearsYeah, not buying that. Those numbers are fudged to keep whites from panicking.
>>745971434i hate god for not making me mongolian
>>745986318Legal abortion and extremely high rates of black-on-black violent crime kept their numbers way down. The "nigga moment" isn't just a funny joke on Boondocks.But the evangelicals just had to go and fuck one of those up.
>>745985332they dont understand that its not their money. you are just taking out small loans
>>745986576"Evangelicals" are jews in jeans
>>745980878i came to the conclusion a while ago that all those people who complain about how hard it is to make money, juggling all their jobs, being stressed all the time are just retards deeply invested in a grind mindset of owning expensive bullshit like $70k cars, jewelry, brand new clothes and shoes every month, ordering starbucks and takeout every single fucking day. this type of vanity was probably taught to them by social media. wanting to be seen in the top status of everything. i'm doing fine on the bear minimum. my shirts are 20 years old and lasted me because they're higher quality. i'm not starving or hurting for more income. sure there's things i want but i understand the difference between want and need.
