You little shitbirds with your fucking man-bobs and your goddam

>>1023326
>who has never seen the movie "Bullitt" or knows that Paul McCartney was in another band before Wings.

What an important measure of character twose two are.

>>1023326

I'd rather play poker with my life and live like an idiot until I'm 35. Then hope to hit the jackpot with some product and be able to live nicely while putting generous amounts aside for retirement at ~70

>>1023326
>2. You will make money until you are about 50-ish and then some dick who was conceived in the dumpster behind some Nobu somewhere -- and is now managing your work -- will decide that the company is "going a different direction" and your high priced services won't be needed. Here's 2 weeks pay. At that time you are fucked.


>implying I won't be a /biz/illionaire by 50

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ITT the worst thing to happen to westerns ever, which then had to be salvaged by a bunch of italians filming in spain

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>>1023326
>You just don't bring the kind of energy that we want to the table
>I don't think our atmosphere would mesh well with your background
>We're looking for people willing to go in another direction from the norm
>In the final analysis, it doesn't matter what you crazy people do, because I got smart guys who can always figure out how to make money

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>>1023326
>Implying the cost of living for the average American household isn't well over 50% of their after-tax earnings.

Nigger lets assume somebody makes 60k.
>Fed Tax: 25%
>State Tax: 5%
>Social Security: 6%
>Medicare: 1%
Already we're down to $37,600, so $3,150/month and we haven't spent a fucking dime.

Now factor in:
>Rent: $850
>Groceries: $300
>Car Insurance: $100
>Health Insurance: $100
>Utilities: $125
>Gas: $125
>Phone & Internet: $100

That's $1,700, to essentially exist and not spend a single fucking dime on clothes, movies, dates, games, sports, gyms, art supplies, projects, or any other aspect of actually living your life. The kicker is that those assumptions are all optimistic (it'll cost more in MA) and most people don't make 60k.

>tl;dr get real nigger

>>1023445
>Fed Tax: 25%

Learn how to do deductions and set up your W-2 so neither owe taxes or get a refund. Part of saving involved a retirement account which is tax deductible. Work it right and you only pay 10% fed income tax on 60k.

>Rent: $850
>renting
>any year

$850 a month can get you a mortgage on a decent place. For maximum jew rent a room or 2 out to cover the mortgage.

>>1023453
>$850 a month can get you a mortgage on a decent place. For maximum jew rent a room or 2 out to cover the mortgage.
>Jew, paying a mortgage
Oh I am laffin. Have fun getting your wealth extracted prole

>>1023453
>Paying a mortgage in MA
>Ever
Shitty broken down houses from literally 100 years ago are 300k, rent is 1k. Never buy in MA. Not even once.

>>1023445
>Already we're down to $37,600
my central nigger that's not how you do taxes
your total tax rate is not fucking 37%
health insurance premiums are usually pretax

>>1023445
I know these autists will pick this apart and say you could save a couple hundred here or there but this is exactly right. I make 55k per year, which after taxes is right at 3200 per month.

>mortgage $750
>electric $100
>water etc $50
>car insurance $50
>health insurance $150
>phone $50
>internet + tv $150
>food $400

That's 1 paycheck done.

BONUS ROUND
>student loans $400
>car note $250
>gym membership $50
>new phone / new glasses / flat tire / unexpected medical expense / holiday gifts / home improvement $200

That extra 400-800 bucks sounds great until you eat out more than twice or do anything other than sit at home 7 nights a week

>>1023456
30 years of rent gets you nothing. 30 years on a mortgage gets you a place to live rent free forever.

>>1023484
>paying for TV
>loan on a depreciating asset
>paying for the gym
>not throwing everything you got at the student loans

You could throw $800/month at the loans and still have some fun money.

>>1023484
>That extra 400-800 bucks sounds great until you eat out more than twice or do anything other than sit at home 7 nights a week
Murica... Where if you can't afford to pay a chef to cook for you more than twice a week you're considered poor

>>1023443
>In the final analysis, it doesn't matter what you crazy people do, because I got smart guys who can always figure out how to make money
Ken Lay said that.

>>1023800
It's probably one of my favorite quotes of all time. The whole Enron debacle is filled with great shit like this

>>1023484
>Mortgage $750
Assuming you get $1700 a month, your mortgage of $750 is too high relative to your income.

It is said it is a good idea to not spend more than 30% on housing ($510 in your case).

>Food $400
Eating out is a luxury, like wiping your ass with cash when you're out of toilet paper. You can easily manage to eat healthy under $200 if you made the smallest effort to try.

>Internet + TV $150

That's way too much money paid for your time wasted. Ditch the TV, you can watch everything on internet anyway.

>Car note $250
Get a more frugal car. That's a fairly big car payment. Aim for $100 p.m. for starters.

>>1023326

Did anyone else read all of this in John Wayne's voice?

>>1023864
I'm too young to know what John Wayne sounds like

>>1023326
>goddam tribal tattoos

Your best before must have been in early 2000s.

You probably still use windows 95.

>>1023838
>Your cheap house is too expensive
>You should find a cheaper house

Yeah that'd be fucking great if it was available. There are not houses with 750 mortgages for 30 miles around me in any direction.

>>1023838
I get 3200 per month, maybe my post wasn't clear

>>1023876
One of the best actors of all time. Youtube is your friend...

>>1023562
>insuring anything, just don't crash or die, simple
>not just watching your neighbours tv through his living room window
>2016, paying to study, pick one
>gym, bah, just go to a shop, curl gallons of milk until you're tired and leave without buying anything

Am I doing it right?

>>1025293
Almost, except car insurance I'd legally required in the USA because it pays for the other guy's damages, not yours, so they pressure both sides into getting it. Yep, it's that ass backwards.

>>1023484
you are overspending for your income level, I make $45k and save $1k a month, and I have a mortgage and a fairly new car.

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>>1023326
This is such a perfect example of Poe's law in action. If I guessed wrong, well trolled OP. I chuckled.

If you're not trolling... I hope your dad told you that before you were my age, and I know it's wrong but I hope you didn't listen.

>>1023838
>$750 mortgage is too high
Literally cheaper than any condo near me. I pay $715 in rent with 3k take home per month and would have to move into a crackhouse to pay less.

>>1023338
>Then hope to hit the jackpot with some product and be able to live nicely while putting generous amounts aside for retirement at ~70

And when that doesn't happen you'll end up sucking dick for a living.