>tfw you realize happiness is determined by how much money

>>737470088
No.

Money does not make you happy, but it does make life easier. Still, you're delusional if you think it'll solve all your problems

>>737470088
>tfw you realize happiness is determined by how much money you have
Who's a moron? Yes, you are the moron.

>>737470294
All of my problems are financial, literally all my problems would solved if I had money

>>737470294
Money makes problems go away breh

>>737470331
Idiot detected

>>737470477
What exactly are we talking here? Unless you're getting evicted or you're homeless it's most likely not that bad
>>737470573
Depends what the problem is that's not always the case

>>737471058
I can hardly afford to eat and pay rent, living in canada is retarded expensive they need to increase wages dramatically

>>737470207
this

>>737470088

I'm not rich by any means, but do own a nice house on the ocean on an acre of land, and have plenty of money for my hobbies (photography, biking, camping)

I own a small boat and 3 bikes (most expensive being $4500) as well as a lens that cost $18,000 and another that was $15,000

And guess what? 8 years ago, I was homeless.

>work

Literally all you need to do. WORK, damn it. Get a shitty job, do well, get a reference, find a better job. Repeat.

Eventually you'll be able to save a few thousand for a down payment and get a house. After that, you're banking money instead of throwing it at a landlord.

This will really rustle your jimmies: Listening to Glenn Beck is what helped me get my shit together. He reinforced the conservative values that were at my core, and got me off my ass.

>>737470088
That's true if all you want in life is purchased.
If I had endless money I wouldn't live like a saudi prince. I get a lot of value of happiness out of creating.
I don't think I would be significantly more happy making $120k/yr over $60k/yr.
But I currently make ~$6k a year so who knows if I would feel differently once I was up there.

>>737470207
This

Straight up answer bro. I'm taking my life when my parents both die because then I'll have no point in living since I'm broke as fuck all the time and can't enjoy life

>tfw parents should die before their children

>>737471227

Bullshit. I'm in Canada too.

Stop whining and work. Stop wasting your money on bullshit. Get a cheaper apartment.

Save money. Ask for raises, and apply for other jobs. Stop smoking weed (I know you smoke weed, motherfucker)

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>>737470294
says the broke fuck

>>737470088

Whining millennial: the post

You have it better than any previous generation, faggot.

>>737471336
My job pays minimum wage and ive been there 9 years now, try making 11.50 an hour and paying rent and buying food etc. I can't do any other job because I'm not smart enough

Indeed, when you can pay your bills like water etc. never can go out, or buy new clothes that is a hell and money is the God who make's life good/ easier.

>>737471417
Why not just kys then they'll feel so bad that they'll do it too and the world will be a much better place.

>>737470088
stop watching TV
delete your social media
consider that the word "masculinity" is not synonymous with "self-worth" or "success"
happiness is up to you
because really
if you're lonely
people will suddenly like you, when you have money
but when you die, other people will still have money,
and your friends will replace you very quickly

you are in a maze
and the cheese is "money house car boat wife"
but if you break out of the maze
you might find there is no other cheese
but you will be happier in another way

>>737471424
I don't smoke weed I did when I was younger though

>tfw 32 and make minimum wage

>>737471565
solar panels for electricity
reverse osmosis water filter for drinking water
clothes are not a monthly bill

so your argument is invalid

>>737470088
You are a slave to materialism.
Learn how to be happy no matter what.

>>737471549

I made minimum wage too, faggot. Here's my job history (since I started getting my shit together... I had others before these)

>bottle depot ($10)
>security guard ($11)
>truss maker ($12)
>fiberglass fabricator ($14)
>stone sawyer ($15, now 3 years it's $22)

And guess what? I'm looking for another job, as much as I enjoy this one.

You're simply making shitty decisions. Stop blaming society. It's all you.

>>737470088
missing money can ruin your life, while having more than enough money doesn't necessarily complete your life. everytime I buy expensive clothing, a new tv, a new this or that, EVERY TIME I think my life will be better when I have it, but once I have it, my life is still the sam; no one I can talk to, nobody to love, nobody that loves me. money gives comfort but it doesn't give true happiness.

>>737471632
At 32 and minimum wage, your problem isn't money. Your problem is you.

I was homeless 8 years ago, this is now my back yard.

All you need to do is work hard and set goals.

>>737470088
>happiness is determined by how much money you have
Nigger do you even Aristotle/Boethius

>>737471965
No my problem is my job wont increase my wage

>>737471969

>homeless 8 years ago
>still have a grade 8 education

>>737471336
>Eventually you'll be able to save a few thousand for a down payment and get a house. After that, you're banking money instead of throwing it at a landlord.
>down payment
>a few thousand
okay.jpeg

Also owning property vs renting isn't as simple as banking vs trashing.
Owning property comes with many expenses. Property taxes and real estate fees are fairly large ones.
Plus when you go to sell the house, you're paying taxes on any increased value, even if that value didn't outpace inflation.
So you buy a house for $200k in 1990,
You pay it off in 2020, having paid $550 total. But hey, it's new 2020 market value is $550k! Sound good right?
Your real estate fee when you bought the house was $20k.Your fee when you sell it is $55k
You have to pay 40% on $350k, $140k. Your property taxes over the 30 years amount to ~$110k
You end up leaving the house with $355k, having paid $660k for the privledge to maintain the house over 30 years.
That means by owning the house you essentially threw away $305k over 30 years. That equates to $850/mo of "rent". (0.4% of the homes value in 1990, which is absurdly high rent)
If you could have rented for below that price, owning that home for $30 years was a net loss.
In order for home ownership to be a net gain you need to live there for your entire life essentially.
I personally hate rental culture and love the freedom of property ownership. So I would take that loss with a smile on my face.

tl;dr
Owning a home for 30 years that over doubles in value will still cost you more than renting, while not allowing your money to work for you in investments

>>737471603
DEEP AF WTF i am cry

>>737472098
I'll never be able to own a car let alone own a house, I can hardly afford rent and food

>>737470088
>Is there even any point in living if uou can't afford anything
You are poor indeed.

>>737472074
Dumbass you can't directly control your wage but you can your job. GTFO of there and look for better places to be.

>>737470088
>tfw you realize the most joyful people on the planet are the most poor

Do you think Buddhism existed for thousands of years just by coincidence, or because it has truth to it?

Money is an illusion. You don't need to believe in it.

>>737472098

First time home buyers in Canada pay 5%. Do the math.

Property tax is nothing compared to the 100% "tax" (loss) you incur by renting.

>sell
>pay taxes

No shit... your argument for renting is "you won't have to pay tax on money you won't be making" which is just stupid.

The rest of your comment is just utter garbage, Anon. You're making very specific arguments on a combination of the worst of the worst circumstances and doing mental gymnastics to justify not owning a house.

>>737472197
Same here friendo. I was just pointing out to anon that homeownership is also a Jewish scam, and that he's delusional if he thinks that he's now banking the money instead of canning it.

>>737472197

You're just a lazy loser who wants to feel sorry for himself, I guess.

You should probably just hang yourself.

>happiness is determined by how much money you have

No

The desire for money is whats making you unhappy
In fact, desire is the root of all unhappiness

Stop desiring things and you will be happy

>>737472287
I have everyday for years and nothing I can do pays more than I currently make

Time to give up, OP... let nature take its course.

The weak must fall.

>>737472681

And I'm now leaving your stupid thread because you're a lazy lying faggot.

>>737472328
I can't even afford to eat everyday, money would solve all my problems

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>>737470088
>>737470088
>>737470088
;-D

>>737472681

You don't know how to look for jobs...

Do you think I had fiberglass experience? No... they trained me. And I did well, because I try, and am not a lazy faggot.

Thin I had ever run a CNC waterjet before, or cut stone? Nope... but same as above. Show some fucking initiative and people will hand you damn near any job that doesn't require a PhD or license.

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>>737472098
>>737472098

>>737472500
You're not getting it.
Either way you're going to have $660k over 30 years.
One way, you spend $660k out of pocket over 30 years, and receive $355k back at the end, which equates to $850/mo spent on housing.

Now for simplicity sake, lets pretend you decide to rent at $850/mo for all of those 30 years instead, which would be high rent, so this pot is artificially sour.
You spend $850/mo on renting a house, that means that at the end of 30 years you will have $355k dollars you have been investing, making presumably 7% on.
That means you have $1000/mo, every month to invest, lets pretend you saved that for the first year and have $12k cash on hand at the start of year 2. that means at the end of year two, you will have $13k, PLUS the $12k cash you saved by not owning a home. 7% of $25k brings you to $27k at the end of year 3. Each year you gain an additional ~$1,000 on top of your $12k saved. That's an extra $465k. At the end of 30 years renting you have $820k on hand. vs at the end of 30 years of homeownership you have potentially $355k.
This is a well known fact.

>>737473166
Yeah problem is I don't have a car and I'm not a fast enough thinker to drive a car, I've drove 3 times in my life and ended up in the hospital every time

>>737473293

Check out this samefag...

I'm on my second house. I bought it with the profits from selling my first house.

Same goes for millions of other people.

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>>737473166
this is true, but also
>went to school to become an EMT/A
>thought "there will always be a place for health related fields, especially this one"
>worked 2 places that sucked dicks and everyone sucked, but i dealt with it
>was going to work at a close (finally) group instead of driving hours to work
>loser on top forgot about bills and shit
>goes out of business the week i'm supposed to start
>all the employees go to local EMS and fire stations
fuck this stupid place, can't even get staying alive right. now i'm unemployed and wish they would all die. i'm not gonna help.

>>737473355

I guess that's why, on average, renters are living the high life while home owners are scraping by, huh?

Oh, wait...

>>737473166
Get me a job senpai.
I have extensive plumbing and electrical experience, and 10 years of general construction experience.
I am not salaried as I work independently, but I make far less than $12/hr. and I can't do anything about it.

>>737473567
Get a job that pays less you selfish fuck. People make it on minimum wage why can't you

>>737473355

I guess that's why, on average, renters are living the high life with their pockets full of hundreds of thousands while home owners are scraping by with no equity, huh?

Oh, wait...

>>737473623
he's talking about showing more initiative than your local highschool jock that will work a factory job for a week and leave, the work sucks but if you stick it out you can eventually boss kids around. nothing more than 70k a year tops in factory work. and thats the most you'll ever see

>>737473674
i'm selfish for doing a job that (has before) saved lives? suck my dick prick. and i have, i've worked for chains and shitty dollar stores but what about what i worked for? would you rather me selling you a porcelain bowl or restarting your mothers heart? inconsiderate child.

>>737473618
In my ideal scenario you're an extremely controlled financial autist.
Homeownership at the wrong time can be a hugely detrimental mistake for young couples.
It also takes a lot more to initially buy a house than it does to initially rent, leading to a lower class of renters, that couldn't afford the house, let alone the extra invstment monthly that I'm talking about.

>>737470088
You get up two and a half million dollars, any asshole in the world knows what to do: you get a house with a 25 year roof, an indestructible Jap-economy shitbox, you put the rest into the system at three to five percent to pay your taxes and that's your base, get me? That's your fortress of fucking solitude. That puts you, for the rest of your life, at a level of fuck you. Somebody wants you to do something, fuck you. Boss pisses you off, fuck you! Own your house. Have a couple bucks in the bank. Don't drink. That's all I have to say to anybody on any social level.

>>737473750
70k a year is way beyond what I'd ever need, I make 18k a year and if I had an extra 100 bucks a week I'd be living great because than I could eat better things than ravioli and ramen noodles

>>737473750
I can't, I'm too autistic. Also $70k/yr sounds Godly.
Please.

>>737473963
I make 18k a year, saving 2.5 million dollars will never happen

>>737473355

You're not getting it.

I pay $1200 per month for my mortgage. Between my wife and I, we make $6000 per month.

I'm saving plenty, Anon... and banking equity. Renting is 100% loss.

>>737474020
>>737474007
that 70k a year is from the ones running the factories. you'll see maybe 30k and that's working 13 hour days all week. i've had many family members do this, they are broken and disabled after about 10 years. good luck. meanwhile some kid at mcdonalds is making 15/hr in some places. those kids can suck my dick.

>>737474100
6000 a month is wealthy as fuck

>>737474163

>$15 per hour

All that does is devalue money. Watch the cost of living go up to balance it all out... it's already happening.

>>737470088
Richfag here
Not happy but i had health issues

>>737474225

No, it isn't. Also, this is Canadian money.

>>737474163
30k a year is still an amazing wage

>>737474100
You're not reading.
The money you save from not owning can be invested to return over double over a loans lifetime.
Just because you make plenty, doesn't mean you couldn't make more renting.
You're not understanding how little equity is actually worth, and all of the costs associated with ownership need to take their mathematical effect off of your equity, not your savings or being added to expenses.
Annual property tax needs to be counted against equity, this is basic accounting. It's an expense that exists soley because of the "equity".

>>737474291
I live in ontario

>>737474100
theres nowhere in the world you make 6000 a month and only pay 1200 for a mortgage. you're insane.
>>737474249
oh i know, it'll come crashing down on them but until that happens they are making 3 times what i've made before and i went to college. fucking stupid businesses.

>>737474163
$30k sounds grate dude.
And as a rule of thumb, you take your wage, double it, and add three 0's to get your annual gross.
So in your scenario McScam is a better job. at 40 hours than yours at 91 hours.

>>737474296
in my part of the country yeah it is, it's enough to live for a good long time, but having a 401k that you have to take with you and dip into after you're let go for being too fucked up to do your job anymore isn't much. and disability pays shit. if you're ok with getting by with a broken body go for it. but risking losing limbs, fingers, and other parts is enough for me. i'd rather help them get reattached for the same money.

>>737474545
That's when you just kill yourself

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>tfw have 1.5 million networth at 29.
>basically semi retired, just a landlord.
>dateless touchless KHHV.
>zero friends.
>no family.
>built a $3,000 gaming pc but don't even have the drive to play games

>>737474510
again, this isn't my career, unfortunately i don't get overtime until 80hrs worked, because i work 24's and 48's regularly. i'm still getting shit all, but it's a fulfilling job. working at mcdonalds or a factory is only fulfilling to me if someone nearly dies every day.(and sometimes they do)

>>737474350
True, $1200/mo mortgage over 30 years would be on a property that cost maybe $100,000.
A mortgage here would run you ~$3500-$5000/mo

Remember kids, rent @ 0.2% of a homes value!

>>737474598
nah, in your early 30's after working factory work you just take what you can get and live how you can. all fucked up and shit. the rich get richer and the poor try not to fuck each other over.

>>737474621
gibs me a property and I'll be ur friend

>>737474323

I. Made. Money. Selling. My. First. House.

That house was essentially my savings account. I was paying MYSELF to live in it. The bank got a hell of a lot less than my old landlord would have.

You need to stop reading leftist rags... you're swallowing propaganda.

>>737474736
i live in the south in a nice place and a good house you built with your own hands 40 years ago runs you 100k. 80k is a good median even then over a few years.

>>737474798
Factory work is easy as fuck how would anyone lose a limb? Putting shit into bags is beyond easy

>>737474350

>your life doesn't exist

k

Anyway, I'll be hopping out of this autistic thread now...

>>737474847
>I. Made. Money. Selling. My. First. House.
You only believe that if you don't understand the accounting.
The only way that will happen is if you paid cash for the house, then waited until the house increased over 30% in value in the first year, then you sold it.
And that's to break even

>You need to stop reading leftist rags... you're swallowing propaganda.
I'm as far right as you can get, race war now gas the kikes.
I just grew up around finances, I know who's wealthy at 60, and who's broke as 60. I know who to listen to. You apparently don't even have a basic understanding of accounting.

>>737474919
you've never worked in a factory i guess, or if that was your job you got off easy. someone must have liked you because most end up with high pressure machines and heat throwing out rubber wrapped metal wires and blades that can impale your ass, machines that will chomp off a finger instantly or in a flocking room that can combust into flames with a spark. congrats on not being dead.

>>737474937
by nigger

>>737474736

Would you rather pay $1200 mortgage, or $1200 rent every month?

Let me guess: rent, because "you will probably only get back a percentage of what you put into your mortgage.

Makes sense... why walk away with tens of thousands when you could walk away with nothing? Also, you can't save money while paying a $1200 mortgage. You can definitely save money while paying $1200 rent, though.

>rip logic

>>737470088
yes. point is that you should be acquiring more money.

pretty sure mcgregor was poor as fuck until he realized that whining about it wouldn't make him money.

>>737475178
who pays 1200 in rent where you could pay 1200 in mortgage? your world doesn't exist you dumb piece of shit. 800 rent is cheap in most places. 1200 in mortgage is the cheapest i've seen in forever. good for you kid, daddy must've bought you a nice house to sell.

>>737475065

>far right

Some food for thought: Nazis were dubbed "far-right" by the Soviets early in the war. This is because, while they are both left-wing, Communists are farther left than Socialists. (The full name of the Nazi party was the National Socialist German Worker Party. It was a socialist labor union).

Here is a graph showing the size of government from left to right:

Totalitarian - Communist - Socialist - Liberal - Moderate - Conservative - Libertarian - Anarchist

And before you say "but the Nazis were fascist": Fascism isn't a political ideology, it's a form of enforcement. Any ideology can be fascist, although it gets more hypocritical the farther right you go. The same goes for nationalism or racism. It can apply to any ideology.

You need to start picking up some history books.

>>737475314

I'm going to sleep so well tonight, because your utter disbelief at my lifestyle is so fucking comforting... fuck, I have done well for myself.

>>737475220
I can't work more than 84 hours a week at my job, if I could I wouldn't be as poor

>>737475468
all besides being on 4chan, i'm pretty wealthy myself but you're so full of shit it makes me sad. and nobody here believes your shit anyway budro. sleep tight nigger

>>737475178
Two things

Rent, in a normal market, is cheaper than a mortgage

Mortgages come with additional "hidden" fees.
Like closing costs, property taxes, and maintenance. You should be budgeting in at least the taxes and maintence into your housing allotment.

So, if Rent is $1,200/mo and your Mortgage payment is $1,200/mo, you should really be spending like $1,800/mo to live in the mortgaged property, $1,200 for rents, and $600 for expenses.
That $600 could be used to invest and earn you money.

Also the housing bubble is going to burst, likely under Trump. So your $500k home could be worth $300k in a few years, something you don't need to worry about when renting.

>>737475640
you work 84 hours a week at your job?

>>737475738
12 hours a day 7 days a week

>>737475360
>Thinks race war now gas the kikes is exclusively a nazi ideaology
Oh buddy.
Ps. Nationalism is a right wing ideology

I wish I was smart enough to be a thief/conman

I'm tired of being a wagecuck

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>>737470088
You dont need happiness. You need water, food, sleep, air. You have those, plenty of those.

You arent more then those.

>>737475935
Iktf bro 12 hrs a day 7 days a week is killing me after 5 years

>>737475847
and you're still poor?

you gotta get better at managing your money man.

>>737470294
Name one problem that can't be solved with money, motherfucker. I'll wait.
> protip : you can't

>>737476006
>my earlier point
you'll be disabled in a few years from back breaking labor. start preparing now for your future bro.

>>737476027
Believe it or not, social interactions cannot be bought over. No matter how much you pay your 'friend' they won't like you.
They'll like your money.

>>737476025
I'm very poor but things in canada are very expensive, my first day off in weeks is tomorrow because of canada day

>>737476027
9/11

>>737476006

I used to work 3 jobs for years. had 4 at one point.

quit doing it a year and a half ago coz it wasn't worth it.

>>737476068
Good then I get free money and benefits, disability in ontario pays well and i won't have to feel my infected teeth throbbing anymore because disability has dental coverage

>>737476118
hows that national healthcare working for you guys? i've seen a lot about taking hours to get in for a heart attack. when i go to the doc they see my ass quick if im having chest pains. it doesn't work.

>>737476118

canada here too man.

what do you do? you should open a brokerage account and buy some stocks that pay dividend.

>>737476294
There isn't free health care here you still have to pay for prescriptions and shit, I almost died because I couldn't afford antibiotics for my infected teeth

>>737476274
good luck getting disability tho man, my bro got it after 6 years of a motorbike accident, he was in a coma for a few weeks and the hospital kicked him out because the person he hit didn't have insurance and his was just trying to get out of it all. he had to get it based on a mental level even though he was physically disabled which made him suicidal and all that. your country will fuck you, believe it or not. at least yours has some shitty healthcare for all.

>>737476115
And it'll still be a hell of a lot easier to find friends if you have money so you could go to social events like concerts, bars, whatever you enjoy. And at a good job, your coworkers will be decent people who can become your friends. Am I right or yes ?
>>737476121
Not really my problem since not an americunt, but it could have been prevented with money.

>>737476294
universal health care is pretty awesome in canada man.

i tore my acl 3 years ago. i went to my primary physician the next day, she got me to get an x-ray on the same day and physio the next day. MRI after a week and I didn't have to pay for anything.
Surgery too if I wanted to but the wait was for 9 months

I never have to work a day again in my life and I'm only 29. No motivation to do anything. No friends and haven't even kissed a girl in 6 years. Might seem like money matters if you're poor or young, but time gets you money. Time also slowly makes you wanna kill yourself if you have no friends/women. Better to focus on that cuz' money eventually happens.

>>737476420
that's news to me, but same in the US i guess. i went after 3 weeks of shitting myself and puking every time i felt alright and they charged me $3500 for 2 IV's. i work on an ambulance, i throw that shit away daily because it's out of date and i never paid that shit. they got over it.

>>737476592
Ever since I've had a gf I've had no money

>>737476315
>Let your money earn other people money who are incentivized by commission to increase transaction count rather than overall earnings!
If you don't want to have an active part in your investments you either need to be very wealthy, or just stick it in a money market account and earn barely above inflation
>soon because the fed is increasing rates, soon money markets will be worth using for normies
>soon please trump soon.

>>737476592
money doesn't "eventually happen" you dumb bitch. i've worked since i was 16, doesn't seem like much but i went to college and am unemployed at the moment. you're better off fucking some dumb bitch and she gets welfare for her "no daddy" kid. welcome to nigger university.

>>737470088

I hope he kicks that nigger's head clean off.

>>737470088
get a job as a truck driver. then just sleep in your truck so you don't have to pay rent.

>>737476757

I manage my own investments. only commission i pay is when i buy and sell stocks.

key word is investment. you need to do your due diligence on each and every stocks you're buying.

>>737474343
Same

>>737470294
You're a fucking idiot if you're going to sit around and say money doesn't solve problems. If you have a problem that can't be solved with money, it means you just don't have enough money to afford it.
Unless it's a social problem or some problem that's never been solved throwing money at it can do anything.
>>737471754
Why didn't you get bullied more as a kid?
>>737471930
What in the fuck are you talking about, my life got so much better every time I had more cash. Being broke is one of the worse fucking things you can ever experience life sucks and isn't even worth living, and you'll get shunned.
>>737472287
Wow you must be a real Einstein
>just get a better job
yeah that's brilliant, great idea. can you believe these fucking idiots who don't realize their jobs sucks and they can just go get a better one? what kind of chump just decides to keep working those jobs as if they're actually human or deserve respect. those fucking fools should work for free, stealing tax payer money from rich people, such audacity.

>>737470088
I was happier in love with less money than i am now that she left me and im suddenly coming into a fortune. I have so much to live for according to you guys, especially relative to most of your situations. However i feel like there is no point if I'm unloved by the person i trusted most. I have too much to live for to do it to myself. How can i get somebody to kill me other than suicide by cop? I'm still considering that, but creativity would be better.

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>>737476821

>no money
>no job
>24yo neet
>no life
>basically dead

the sense of impending doom is real

>>737477949
Ya im better off than you by a longshot and im sick of living too. Why didn't you go to college? I did.

>>737470088

Being super poor is no fun, but once you have enough money to cover your basic needs and have some to save for a rainy day, it's all basically the same after that.

Of course the amount of money it costs to cover those basic needs is always going higher, while your average dingus is becoming less and less valuable as a laborer.

These dummies keep voting for populist conservatives though so good luck with that shit. Hope you stayed in school.

>>737476027

War, hunger, ignorance, poverty (ironically), etc etc etc

Money is like grease for an engine. It's necessary but it won't do anything unless properly formed moving parts are present.

>>737478409
I dropped out

>>737478811
Why? Can you finish it? I want to tell you to keep trying, but if you are heartbroken like me those words mean nothing.

>>737476294

Most people who die of heart disease don't die as the result of negligent care at the moment of a heart attack. They die as a result of a lack of access to preventative care to keep heart attacks at bay until advanced age, they start having heart attacks younger and have more serious issues. Universal healthcare may, in some instances, cause a delay in acute care, but it is much better at distributing the preventative care that leads to an overall healthy population.


Care delays for even very serious problems also occur quite frequently in the United States.

Cred: Hospital vendor rep

>>737476757

>money markets

There's a place called Atlantic City I think you'd fit right in.

>>737476814

Have you considered that your attitude may be what is holding you back in life? Are you sure you never missed any opportunities to improve your lot in life? Are you sure there's nothing you could do now to improve it beyond blaming others and crying on the internet?

>>737479025

I'm gonna help you out

Next time you find yourself in a semi-large area, go for a walk. Walk around in places people wouldn't normally go, alleys and such. Find the first cat or dog that looks kinda friendly and take it home. If you don't like cuddly animals, go buy a snake or something. Get a swarm of cockroaches and put it in a tank. Buy some venus fly traps and pull the wings of the flies like a sociopath and feed your plants. Take care of something.

>>737479207
All you're doing by letting someone else handle your money is putting it at higher risk for similar returns, commissions are a bitch.

>>737477550
Listen idiot, getting a better job is easy. If you work at Mcdonalds for minimum wage and complain that it doesnt pay enough, kys. I used to work at MD, now I work in security and get paid a lot more to do a lot less. Theres always options, and if you dont think there are then you deserve to work at McDonalds.

>>737470088
>This is what athiests believe

>>737480224


>money markets
>stock markets
>non-primary investments

There's a place called Atlantic City I think you'd fit right in.

Buy stock from companies you have a personal relationship with and believe in. Invest in properties and businesses you can see and visit. Save most of your money as a diverse pool of stable currencies and stable precious commodities. Minimize exposure to all markets.

Earn money by actually earning it. Unless you are a multi-millionaire, markets are not worth it.

>inb4 "my rich friend invested blah blah"

My rich friend bought a lottery ticket. He got lucky. You might not be so lucky.

>>737479843
I have two male cats which are bizarrely sweet. I hated cats before i found them. They remind me of her though because we did it together. She never took care of anything, i did every chore and she just sucked my dick and fucked me. I don't even know why or if i really want her back, but i am really not getting over it...i know i was an asshole many times with my words, but i thought she would still love me no matter how hurtful i was. I was so naive.

>>737480521
I'm not that anon, but you're right & wrong.

You're right that there are always other options; the problem comes in with your local job market and how hard it is to acquire a job, and it gets harder to continually find better and higher paying jobs, which also makes the process take even longer.

So then you find yourself not finding jobs for 6+ months and left hanging with incoming bills.


I'm college educated (law), and have been working since I was 14. I'm 27 now. I've been part of many different volunteer groups and community outreach. My resume is pretty padded, to say the least.

The last company I was at before my current one went belly up. Lost my job in the process. It took 8 months before I landed my current position. I submitted 10-20 resumes every single day for any and all positions I could find. McDicks wouldn't even hire me.

I ended up going 4-5k in debt, lost my apartment, and had to move back in with my mom. A lot of people don't have the luxury of moving back in with their parents. So their cycle of debt continues. Or they become homeless.

I ended up living at home, driving Uber, paying my debt off completely, and then eventually moving into my current role where I make pretty good money.

Now imagine someone with no college degree, small amount of work experience, bad resume, and no real definable skills.

Note: I live in an area of the country with a terrible job market, so my story is extreme, but the idea is the same.

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>>737470477
lol, don't be a poorfag like just be rich instead

>>737481548

>Now imagine someone with no college degree, small amount of work experience, bad resume, and no real definable skills.

That was my three years ago. I was working at a gas station with no degree. Every time a guy in a suit walked in I asked him what he did for a living and how to do that. One day I asked the right person and now I have a great job with a company that trained me as a surgical laser technician.

I got lucky to be sure, but i'd never have gotten lucky if I had never tried. Most people deserve a break in life but also you really do have to seek out opportunities and capitalize on them

>>737481548
If you lose your job working for 60k a year, I understand its not easy finding a job to fill that void, especially if your entire living arrangement is suited for that pay.

That being said, my comment is mainly for those who are only working minimum wage. There are better jobs than those you can easily get, like security. They are always desperate for new recruits. You'd be surprised at some of the people they hire

>>737481898
I'm not saying it's impossible, and people should definitely network and try their hand at anything they can think of....

But what if it took 6 mo... 12 mo.... 24 mo....+++++ until the "right guy" came along that you talked to? And in the mean time you're struggling, going further into debt, etc just to live and eat.

Like I said, I make good money now and I don't have to worry about that, but that's the reality for a lot of people out there.

The system is completely rigged, and it's only harder the further down you are. On the contrary, the more money you make and/or have, the easier it is to make money.

>>737480521
I didn't bother bringing my job up because I like my job. I've worked some bullshit jobs before. In fact the more money the business brings in, the bigger the crook the boss is and it's probably a bullshit job. When you say just get a better job I really think you have no idea what you're talking about. You think you're going to be able to keep getting a better job? You think some well off job gives half a shit if you worked at mcdonalds or not? You're only getting older that means less work opportunities. Unless you plan on going higher up in the security field, you should probably hang on to that security job where you're at. It doesn't work on a merit system like you assume where you start out small and work you're way up to being big. That's not how it works. It's never worked that way. Your living in a world that use to run predominately off slave labor. Those people making fortunes didn't work their way up from mcdonalds. They probably just got lucky, related to or friends with the right people, or their buddy that stuck something in their butt during college hooked them up with a job so they keep quiet. Rich people got a lucky break and exploit the living fuck out of it, they don't fucking care about people working hard and advancing, they want you to work as much as possible for as little as possible so there is more for them. It's a fact.

>>737482374

I agree with you on all points I was just throwing it out there that it isn't impossible, mostly for others who are still stuck at the gas station

>>737482550
Im not tell you making lots of money is easy, its not. Im saying there are options from MW jobs, dont settle at the bottom. I dont plan on doing security all my life, im currently going to school.

What Im trying to say is I used to think mcdonalds was the best I could do, and it wasnt. Trust me, if you get MW and you think this, go into security, its easy and it pays decent. I dont know how it works in Canada but getting an easy gig looking at camera monitors for 14 an hour is better than stressing out flipping burgers for 10

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My parents live off disability and never worked. I've kept a job for the last 8 years but I have bad credit,no savings,and around 4k debt. I tried not to blame my upbringing but my only experience with money was first hand. My parents literally call me and ask shit like "what time do you work this week"? I've had the same schedule for the last 5 years. I have no one to turn to for advice on how to fix my life. Please any advice other than an hero would help.

>>737483643
In B4 self help, literally Google,and common sense. I don't pretend to be smart or a well read person.

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I took leaving below my means to the extreme. I live in a converted garage with all bills included in a major city. $550 covers rent, water, electric, gas, cable, and wifi.

the original plan was to suck it up until I paid off my students loans and car note. But it's been nearly five yrs since I paid off all my debt and I'm still in this shithole. Nearly 80% of my pay goes to fattening my savings and portfolio.

and I'm not a cheap bastard by any means. People who enter my shack are surprised to see all my expensive shit. $2,500 gaming rig (to play maybe once or twice a month, and only old fucking games. I still get buyers remorse on this one). Huge projector, sound system, stainless steel appliances, stupid ass Martha steward pans,utensils, and towels (fuck you! Samantha) pretty much the works. Once a girl asked me if I sold drugs.. LOL , I also eat out and vacation a lot, and I can probably pay my rent in advance for the next decade or so just on my saving alone. This sense of security and financial freedom is probably the reason why I'm afraid to pull the trigger on a new house. I've seen how the others live,and it scareres me.

I have a cousin who is a registered nurse making $70k a year who got her car repo. Also, some of my co-workers have lost houses, cars, and struggle to make child support payments. Their life's are a little too edgy for my liking. However, the pools and BBQ areas are sweet as fuck. I do envy them that.

>>737483643
You can fix your credit in 2 years anon.

Get a credit card. Buy stuff. Pay if off on-time. Hell just use it for gas or food only. AND PAY IT OFF. In 2 years. Your credit will be GOAT.