List some shit that keeps stupid people broke. I'll start

Rent to own electronics

>>1930429
This is the worst. If you can't afford to buy a nice couch or big TV outright, then you need to put your priorities elsewhere. Having to finance a big screen TV is absurd.

Capatalism

>keeping up with the Jones'
>being house poor
>car title loans
>pawn shop loans
>payday loans
>credit card cash advances

>lottery tickets
>Buying designers clothes
>Financed used car
>Giving money to charity and non-profits

>>1930445
>keeping up with the Jones'

Sorta hit the nail on the head. I disagree with OP's alcohol comment too much spending on it is a mistake but using alcohol to network and build relationships is needed. A lot easier to sell if everyone's tipsy

>>1930416
Basically anything that accrues interest is a huge reason people stay poor because they don't look at the long-term

>>1930455
OP here. My bad, yeah my intended statement was more against the general abuse of alcohol. I don't deny it's power help make friends and influence people.

>>1930454
How much do you think people donate that it affects they're financial situation? I work in fundraising and 75% of all gifts are below $50... Let's say they invest that $50 for 10 years at 10% (exciting I know, also annuity because might as well) that's gonna be less than $800 at the end. How is that going to make you poor?

Donating money you don't have would but people don't do that...

>>1930469
Yeah agreed. Honestly abusing anything fucking $5 at McDonald's a day doesn't help

>>1930477
It builds up so fucking quick and within a year or two all they say is that the government is holding them down.

>>1930441
You spelled socialism wrong.

Stretching a purchase over x amount of time is not nessecarily disadvantageous economically. Only retards would claim this.
Many times by paying small fees you can take caer of your nesecities right now without throwing away all our money, thus being able to make more with it, as long as you can make it more profitable than the interest you lose for using credit.

>>1930493
It's amazing how capitalist can't admit that capitalism is what's wrong. They will blame it on anything even the mythical socialism. Anything to keep from calling it what it is.

>>1930445
>being house poor
What does this mean?

>>1931126
I need to dust off the The Money Pit, that movie always makes me laugh

>>1931126
means buying so much house you can't afford anything else.

in real life it's not actually a problem since over time your income goes up and your house payment goes down.

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>>1930416
>Cigarettes/alcohol/drugs
Half of the reason I even got the job I have is because I brought some nice cigars and whisky to a game of gold with my bosses.

I see your point if you're some nigger drinking forties and smoking newports 24/7, but don't underestimate giving a nice cigar to your boss.

>>1931174
>game of gold
Kek. Meant game of gold. Freudian slip.

>>1930942
It's amazing how socialists can't admit that socialism is what's wrong. They will blame it on anything even the mythical capitalism. Anything to keep from calling it what it is.

>>1930416

The only stupid bill besides basic utilities I pay is internet. Need to cut back on alchohol but I don't buy expensive shit and it's still a good snack drink.

Cable is a rip off nowadays. Nobody has time to watch that much TV, just torrent any shows you HAVE to watch.

>>1931175
wtf is game lf gold retard

>>1930454
>giving money to charity and non-profits
one of the many ways rich don't pay taxes

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>>1931175
>>1931208
I'll admit I'm drunk as fuck. Kek. GAME OF FUCKING WHITE MAN'S GOLF.

>>1930416
people who finance furniture should jump off their house

>>1931212
>unironically racist.
>thinks capitalism isn't going to rape his gaping ass for it.

>>1931211
>give a million dollars to charity
>would have had to pay 0 dollars of that to taxes beforehand
>it's tax deductible
>get 250,000 back in taxes, so 750,000 net lost
>hurrrr you need to pay more taxes

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>>1931218
I hide my power level well, Pajeet. See you in the ovens kek.

I'd fuck a brown woman, don't get me wrong, m9.

>>1931238
>I hide my power level well, Pajeet.
GOP just voted down internet privacy protections, you're not hiding a thing.

>>1931241
>GOP just voted down internet privacy protections, you're not hiding a thing.
>not using a VPN
>thinking you ever had privacy under Obongo who had more prosecuted more whistle blowers than any other Prez in history
Wew lad.

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>>1931254
you're the expert. No way your words or actions will ever come back to bite you, right?

>>1930416
>implying drugs dont make me reasonably well off
> €3 for a gram (over a weeks worth) of amphetamine is expensive

NEETs showing.

The #1 thing keeping people in lower-middle class is FUCKING EATING OUT.

Most of my friends making 2-3k after tax a month feel rich and eat out for lunch every day, 4 evenings a week and have brunch on sunday.

That's 10-15$ for lunch, 40-50$ for evening and another 40$ for brunch.

Being conservative it amounts to 1040$ dollars spent every month. Then add in rent, car and mobility expenses, phone bill and other random shit and you'll find a guy making 2500$ after tax living paycheck by paycheck.

I hate them.

>>1930416
Daytrading.

>>1930454
Nobody buys designer clothes, but if everyone did, they would not have to spend money multiple times, cause their pseudo-fashion overpriced "Kalvin Klein" or "Gucci" were torn apart.
t. I am from old /fa.

>>1930936

The issue is if you are like my grandmother. She is a lovely, generous and kind woman... but her debt management is horrific, and she passed it somewhat onto my mother. Sure, we get gifts out of it, but using 'pay nothing and no interest for x months' deals just to forget about them for that long means she is always paying something off with super interest rates. That said, I think she is counting on passing away before having to pay everything off, missing the fact it will likely come out of the inheritence.

I'm trying to break away from the 'keeping myself poor' mindset as best I can.'grew up' sometime last year, and honestly don't know how I can help my family.

Trying to point out that if we just build a buffer fund for the monthly bills, my dad wouldn't be stressed out and irritable around bill week due to not being sure the lump sum (the household living money) that can't be touched on pain of death will be enough. It's the bill equivilent of living paycheck to paycheck. If I reasonably point out that $300 saved up and put into the bank, and what is used replaced every time and not touched, we could not have the monthly drama.

>>1930416
Not properly budgeting. I don't know many people who add up the amount they spend on necessities per month and set aside the proper funds. All I ever see is reckless spending and then groveling and begging for more money or time come bill time.

>>1930455
Meh, as an alchaholic i will say poor money management is the big one

>>1930477
Quit buying 1 gallon of water, burger, sandwich, jerky, red bull, etc $20 a day 7 days a week.

Paid off my house.

~$600 a month raise to myself.

Better health

>>1931168
>over time your income goes up
Hopefully.
>your house payment goes down
Unless you have a specific type of mortgage that does that, no, it doesn't. Your house payments remain constant until the mortgage ends.

Being house poor is a real problem.

>>1930942
>mythical socialism.

Peoperty tax, sales tax, medicare, medicate, state and federal tax witholdings, capital gains tax, giving money monthly through theft to my neighbor who is on welfare with a mew car and disability because (muh back) while he splits wood with an axe and runs a dozer part time for cash.

Fuckoff u leftist cuck over half od my money goes to u faggits and i am done.

>>1930416
>Cable television
How so?

>>1931213
Pls no

>>1931854
Sadly i grew up this way.

I read rich dad poor dad and it helped.

>Working for minimum wage.

>>1932433
>working for BELOW minimum wage
See: MLM scams.

>>1930416
>having car
>eating at restaurants
>buying clothes before your old is destroyed
>supporting developers
>going on vacations
>not using notebook to save electricity
>not stealing wifi for free internet
>having mobile phone
>paying taxes

Most poorfags that I know don't reuse their toiler paper. It has two sides for a reason.

Leasing vehicles year after year after year. Especially when they get leases they can't afford because they can't afford to finance it.

>>1932468
What. The. Fuck.

>>1932482

This is probably the wrong thread to ask in, but is there any benefits to leasing a vehicle?

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>buying porn
>not making your own porn

>>1932536
Lease for work, particularly trucks

>>1932536
Not really to my knowledge, my family (when I was a kid) used to lease a vehicle, however that was when the family was growing into its final size (3 siblings plus me). It wasn't wise to buy a car at any point, since we would end up outspacing it. Once the last kiddo came, a car was bought.

We had that car, and then two used cars (at different times) that were used for in-city transit.

That one car they bought is almost 10 years old, and hasn't experienced any trouble from what I know. They told me it would have paid for itself close to two times what a lease would have been in a year.

>>1932544
>5m X 5m enclosure for an animal that large.
FUCKING DUMB BURGERS

>>1932394
>no, it doesn't.
Inflation

In relative terms it decreases

>>1932636
Inflation also increases your other costs though.

>>1930416
>Financed/Rent-to-own furniture
And cars.

>>1932641
And?

Your mortgage will decrease as a percent of income, even if your income only increases with inflation

>>1930416
meme coins

>>1930416
>being born into a poor family
>not having strong family contacts
>lack of affordable housing options
>growing up in an environment which doesn't value education
>rushing into university before getting experience
>voting for parties who represent the interests of a coalition of the privileged elite
>finding enjoyment in life that doesn't involve accumulation of capital
>having the audacity to want a healthy work life balance
>accepting presentee office culture and not demanding overtime for work over contracted hours
>not unionising where possible
>suppressing their class consciousness and sucking the dick of corporate feudalists who buy yachts with the surplus value of their labour while refusing to increase wages

>>1932732
Wew that really hit the nail on the head

>>1930455

cigs/alc/drugs/gambling/fast food are vices to keep the poor content with their shitty lives. No sane, clear headed person heads to the grunt factory everyday to produce nothing for themsevles and worth for me, but they go home , sit on the couch, drink a beer, hit the bong, maybe even get a bj, then they're content with their shitty life until they wake up the next morning and the cycle continues.

Obviously he didn't mean slugging a few back with clients and striking a deal is something that keeps poor people poor.

>>1930416
weed

Eating
Breathing
Drinking
Moving

All these things are a waste

>>1932536
If you intend to move or relocate before the lease period is up than it makes sense to do so.

Also, you may want to lease a car when you have a seasonal or market dependent job that requires you to drive around clients (Real Estate Agent, Insurance Salesman, etc.)

>>1932536
A car depreaciates in wealth super quickly, it basically loses most of its worth over a span of 5 years. So if you want a new car you might as well lease it, and lease a new one, once the old lease expires.

>>1932892
*worth, not wealth obv

>>1930416
Divorce

>>1931827
This.

I've been wearing the same two pairs of Abercrombie & Fitch khakis for the past 4 years. Every other no-name brand of pants that I've owned have some sort of rip, tear, or button missing after only like 1 year of wearing. I don't even do anything that should cause them to rip.
I'm responsible with my possessions.

>>1930416
>borrowing $ and paying (((high interest rates)))

>not watering their penis trees

>>1933023
>getting married and not just donating to a sperm bank to carry on your genes
>not spending every waking moment on gaining capital

>>1932760
>The wealthy don't drink
>The wealthy don't gamble
I'm sure the self help book you read that from was very convincing, but the rich spend a shitton of money on fine wine and liquors.

>>1933120
Its a lot easier to spend a shit ton of money on gambling, hookers, alcohol and cigarettes when you make hundreds of thousands a year, compared to 15,000 a year.

>>1931821
Definitively this.

Living in shithole country, and my friends do the same, it seems to be a global disease.

People living with their families (most do here), with no other expenses but themselves, live paycheck to paycheck because go clubbing/ drinking out/dinnering out 2-3 times a week

Also
>eating junk food
>buying things that do not need/can't afford

>>1933125
Sure, but they spend a larger amount relative to their pay as well. Of course the only source I can find for this right now is a Washington Post article but im sure their source is somewhere out there.

>>1932468
Just fucking wash it and then use 2-3 pieces to dry.
>Cleaner, faster, cheaper

>>1933164
Dont ever wuote thos cucks as a news source ro me or my son again

>>1932460
>having mobile phone

what kind of job do you have where you don't need a mobile phone??

>>1933164
Yes, but they can easily save a vast amount of money, and have a vast amount in investments. You can only smoke so many cigarettes, drink so much alcohol, take so many drugs, screw so many hookers, therefore the ratio of expenditure compared to someone on a pittance is vastly different.

ergo..they have way more money, and can do way more, and still save, and invest.

>>1930429
>>1930438

So much this.

You can get a 55 inch flatscreen on Craigslist for $100.

And yet a company like Aarons exists. It's true what they say, you can't fix stupid.

>>1932536

If you're the kind of person that needs a new car every 2 or 3 years, it's not a bad deal, but still much more costly than just buying a car.

>>1930454
>Financed used car
wait why is this one bad if you put money down and know what the car loan rate is going to be

>>1932732
>being Indian

>>1933191
>no car
>no vacations
>no mobile phone
>no taxes
>stealing internet

I'm not sure there is a job involved for him

>>1930416
I don't watch TV.
I don't smoke, drink, or do drugs.
I don't rent anything except my apartment.
I don't have any credit cards.

I am still broke. Can't even find work as a camera operator. Position is so competitive, it just gets watered down by people who will accept the least amount of money. By the end of the day, I want to start a business but I have no capitol, so no business loan for me.

I'm poor with decent ideas and ambitions and can't get away from it.

>>1930416
>not using reusable toilet paper
>brushing teeth
>deodorant
>buying food instead of dumpster diving for it

>>1932732
>>being born into a poor family
No excuse
>>not having strong family contacts
No excuse
>>lack of affordable housing options
Move cities
>>growing up in an environment which doesn't value education
No excuse. What is self teaching?
>>rushing into university before getting experience
Not an argument.
>>voting for parties who represent the interests of a coalition of the privileged elite
How does that stop YOU from succeeding again? If you can't succeed without someone offering you a ladder, you're pondscum anyway.
>>finding enjoyment in life that doesn't involve accumulation of capital
No such thing.
>>having the audacity to want a healthy work life balance
Find a job that's also a hobby.
>>accepting presentee office culture and not demanding overtime for work over contracted hours
If you don't take legal action against someone who is giving you illegal treatment, that's your own fault.
>>not unionising where possible
I mean I guess, if you're stupid and like not having a job.
>>suppressing their class consciousness and sucking the dick of corporate feudalists who buy yachts with the surplus value of their labour while refusing to increase wages
Why not open your own business?

>>1932732
woke a.f

>not using torrent

>>1932766

It's the cheapest drug there is, and you can literally grow it for free. I have a stoner friend who's a chartered accountant making ten times what I do, and he's high 24/7.

>>1933900

Do what I did. Humble yourself, take any job no matter how shitty, and sacrifice years building capital until you can do what you really want to do.

Or just complain about it on /biz/ whatever man it's your life

>>1933900
Invest in cocaine and wageslave away at hard labor construction work until you get the desired capital

>>1931212
That webm made me physically uncomfortable

>>1932403
no you're wrong, most of your tax money goes to the Military who buys guns bombs and tanks. 1% of total federal tax goes towards people with disability, welfare, food stamps, and other social programs.

A good chunk of the actual pie goes towards blowing people up.

And in a capitalist/republic disguised for what it really is (an oligarchy of wealthy hand me down families that run everything.... like every powerful nation)

their prime objective which is to blow up lesser fortunate countries that can pose threats. So be it a communist/democratic/socialist/ All of it is still capitalism which are all branches of monetary government.

You're gunna get someone taking your money if it's a nazi or your nabour, at least the nabour can enjoy your 3 cents a month you give him from your check for his * muh back* well the rest of it goes to allahu-akbar for oil.

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>>1933191
Aussie here.

Who the fuck needs a mobile phone. Fuck these cunts today using them all the time. I am sick of them. You call me on the landline.

I see these little old ladies in the telstra shop or something looking at these gay ass chinaman made mobile phones and looking at $70 a month plans or some gay shit like that. I think to myself, oh yeah probably to keep up with the scumbag millennial grandkids or something.

If the fuckin grankids cant call you on the landline or come over the visit you once in a while, fuck em.

Im 22 and I cant stand people my age. Bunch of fucking wimpy technological cunts they are.

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>>1935195
>nations that can pose threats

Not so, the nations US/UK blows up are never a real threat, they are nations that refuse a (((central bank))), or stand in the way of money making ventures like oil pipelines or trade routes. Unless Iraq really did have WMDs kekekekekekekek

>>1932580
Its going to give birth, anon

>>1935300
Probably a still birth. It's been waiting for weeks now

>>1930416
Video Games.

>>1932732
found the bernout

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First two things that come to mind:
>Gambling
>Buying the latest iPhone

But I want to get a little deeper. I think the biggest cause of people wasting money is when they try to fulfill basic needs, but are misguided in how they try to fulfill them, usually because really good marketers have hijacked the reward process that comes with the need. I'll go through the Maslow pyramid, bottom to top, for some examples:

>We all need to eat, but people who eat a lot of processed food start to associate the craving for fat and sugar with their hunger, so whenever they get hungry, instead of just needing satiation, they think they specifically need to be stuffed with burgers.
>We usually have our need for safety fulfilled in the first world, but marketers can just scare you and then offer you a product that protects you from their artificial threat.
>People who think that buying a specific brand of products means joining a "club". What they really want is a sense of belonging in a group, but they've been convinced that how they spend their money defines their group, and how much they defines how much they belong.
>Buy a really expensive car, feel like the king of the world. But whoops, your neighbor bought an even more expensive car, now you're just a pleb. Better save up for your next car. It's so fucking transparent and people still fall for it.
>You wanna achieve greatness? You're gonna need a prestigious college degree. I mean, no one who's serious about their goals expects to get there for free, right?

tl;dr:
>buying shit you don't need

Eating out is my biggest expense. I think I spend between 2k-3k, and I know I need to learn how to cook otherwise I'll never get out of middle class. Already use a friends Netflix account instead of paying for cable, and I'd ditch my cell if I didn't need it for work (hotspots). Upside down on my car, so I just plan to keep it as long as possible, as sort of a game (or until electric cars are the norm and maintenance is less of a headache).

One of the biggest things is killing your "want" mentality. I want a brand new Audi, or a 4K tv, or even wood floors for my house, but those don't appreciate in value, and are just consumerist shit. Went out in bought a new 9k bike thinking it would get better gas mileage on my commute to work, and turns out I just gun it everywhere, which kills those dreams (40MPG is still better than 19MPG, but still). There are so many ways to just piss money into the wind, it's absurd.

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>>1931821
This was me, made 45k and blew it literally all on delivery food.

30 each meal x 3 = 90 a day and 90 x 365 = 32,500

So i really made about 12k and that was spent on stupid material shit

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>>1935199
PFFFFFFFF.

LANDLINE
MY SIDESSSSSS

>>1932393
you were the guy that buys all his food at the gas station

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>>1930942
>Hates capitalism
>Browses /biz/

>>1935195
Fuck... if any of this is true im even more triggered. Sadly i believe u.

Still rather give my money to a goat fucker than a theiving lazy cuck.

At least most of those retards have the initiative to coble sticks together and fight with. 99% sure my neighbor makes runs to colorado.
Used to drive tow truck. Can quietly break into almost any car ib 30 seconds.

Will wire cameras and gps and timestamp thread my trolling him into jail and losing benefits.

Will have my attorney bro send him a copy of the youtube and pics of the shitposting thread.

U do bot steal from a troll and just walk faggot.

>>1936221
>I think I spend between 2k-3k,
A month? What the fuck are you eating.

>>1936294

Fast food, restaurants, delivery, etc. Then got stuck in a rut of Starbucks/Redbull every morning, and at night. It's more habit than anything. Fuck me, right?

>>1936342
>Fuck me, right?

Yeah.

>>1935199
>landline
INS GAS MIT DIR.

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>>1936342
Why not just stop? Is your willpower that low? How are you able to live without shame?

iphones, smart phones, new laptops, new t.v's, water usage, keeping things plugged in, never repairing their things including vehicles, Driving when the gas costs more then the lightrail or bus or if they're in walking distance and their only saving themselves 30 mins to work...

>>1930493
He didn't even spell Capitalism right.

>>1934300
t. privileged cuck

>>1936267

Time to stop posting Cletus back to your rock pit off you go

>>1930454
Lottery tickets are almost astronomically impossible to win, but if you spend $2 or $3 here or there for the entertainment value of imagining being filthy rich, I don't see the harm.

>>1932732
>>having the audacity to want a healthy work life balance
I'm no commie, but it does get real fucking annoying when my manager keeps pestering us to come in on days off. If I wanted overtime, I would have signed up for it on my own.

>>1936391
This is what I like about this site, as shitty as it can be sometimes. In life, you are bombarded with messages about how it's okay to treat yourself and skip out on your goals. When you don't have people as honest as they are here, you start to believe it a little bit.

I mean, yeah one day of splurging on say, a diet, isn't going to kill you, but all it takes is that one change to turn into multiple and then you've got a habit. One day won't hurt, but I want to do it on my own terms, when I can truly say with a level head, that I deserve it, and not some emotionally-driven impulse from my peers or some advertisement.

So thank you is basically what I'm trying to say. Sorry for the little journal entry, but I've had low willpower for months and now my diet is all fucked. Peers used to say I was too strict with it, so I loosened up a bit. Now? Fuck them, I'll put what I want into my body. No more cakes, brownies, etc. until I'm way physically and mentally healthier. Even then, only as a special treat, and only ON MY OWN TERMS.

>>1932732
Kys gommie

>>1930416
Loans

>>1933356
You never know what's going to happen in the future. But be a literal goy all you want. Git dat gar wit no resale value. Just pay 2x more over a year!!!!

>>1936411
t. hopeless pleb

>>1931174
>white trash
you're no better than a black man

>>1936468
Amerifat Burger here. Was 280 pounds in january.

Moving scrap iron and pants wont stay on. Cutting 3rd inside hole tonight. People are telling me i lost weight unprovoked.

On the 21 day diet thing fron beach body. I try and keep busy and cut that ahit in half so i dont have to workout.

Wife is on it to and when she loses some arbitrary weight number ahe is getting a boob job. She already has massive tits but doesnt like them.

In the event of an emergency i will use them as a flotation device. And if i lose 100 pounds this year maybe she will learn to suck a dick. Or if she wakes up and leaves my stupid ass at least i can get laid...

U want motivation? Change your diet a little at a time untik eatin an apple is cheating on your diet. Good ahit like pizza doesnt even look good after a few months of losing and working hard on it. Good luck brother.

>>1931821
AND CAR LOANS

ANY KIND OF LOANS AT ALL

I MEAN HOW DUMB DO YOU HAVE TO BE

LITERALLY THINK WITH YOUR MIND

WOW JSUT STOP IT NOW

YOU'RE NOT "leveraging lol" YOU'RE RACKING UP DEBT

WHYYYYYYYYYYYY

JUST NO BOI

LIKE JUST STOP IT NOW

>>1936415
Nah, time to go home and load 3 truckloads of junk mowers and shit so i can get rid of it and move. And it's not ckeetus. Been all over the lower 48 and only wver met 1 retard kid named cleetus.

>>1936254
Yap. Still red bull sometimes. But like 1 giant one every week or less.

Git gud anons!

>>1936614
What if I have an investment opportunity that yields more than what the loan costs?

I mean, even just S&P 500 yields more (10%) than the cost of an average loan (4%), LOL.

>>1936630
Well, depends on risk i would say. Until i have so much money i can afford to gamble i wont play in stocks and meme s&p shit for a million reasons.

#1 is control.

Cant force appreciation of coca coka unless i am zombie warreb buffet and physically increase the value of coke.

Way easier to paint a house. Or better yrt, but a $50,000 shithole, put 10k in it. And rent it for $800 a month.

Even a retard like me can make money doing it with low risk.

>>1936609
Just saw your post. Thanks anon, we're both gonna make it.

And I totally get what you mean about the pizza thing. I let peer pressure get to me because I wasn't thinking about junk food 24/7 like all of my friends seem too, and it tasted too odd after not eating it for a while, but eventually it became a craving. Fuck that, it's not worth it.

>>1936259
>a person with extreme opinions on a subject going to a place to discuss that subject

wow its fucking nothing

Buying 10 btc worth of litecoin at 0.0110

>>1935195
Well if blowing up the other countries keeps them away from our shit I don't see the problem

>>1930438

Not true. Sub human monkeys find you having a 55" TV more of a status symbol.

>>1931211

That's a 1950s meme.

Read up on your tax laws boy.

>>1935199
There's actually a lot of jobs and other things you can do better with a smartphone. If you're not shit at trading stocks then your Robinhood could pay for your phone bill every month and then all your Snapchat and Twatter and clash of dicks is free!

>>1936244
3 delivered meals per day!?

>>1936419
simply saving 2-3 buckaroos a month can buy you something nice at the end of the year

>>1938183
>24-36 dollars
>something nice

>>1930454
>>Financed used car
False. Just bought a used Toyota Tacoma '14 4-door TRD off-road 4x4 for $29.5K. Put like $20K down and financed the rest at 2.6% interest FIXED. Truck has <50,000 miles on it, and a well maintained Tacoma can last over 250,000 miles.

I pay $180 per month which includes CarMax's maximum warranty that covers any and all labor costs on the car. Yeah, stupid decision huh?

>>1934300
It's harder than you think dude

>>1936630
The S&P 500 may yield only half of that over the next 10 years...

>>1936751
Yup. Luckily dr. Pepper kinda taste like shit after 30 years drinking it.

Still go out and eat but most always eat less or get healthy shit like grilled chicken instead of a burger and fucking fried cheese sticks.

>>1936827
They wont.

Fucking kangaroos still get 30% real estate fuckup tax break. Looking for a house near sydney right now

>>1938250
Fuuuuuugin nice

>>1930416
unprotected sex

>>1938339
Fucking this. When something like 40% of kids are woopsie babies then it's not a matter of birth control failing. People are absolutely retarded when it comes to realizing the consequences of heterosexual sex. I know for most people it's far removed from actually producing another human being, but that's what the end result is.

>>1934300
You are either younger than 30 years or you don't live in reality.
Young people don't get that they are money magnets up to ~25.
Then comes family/some situation that twists your arm to do stuff you are aware are bad at long run(even short),yet there is no way/discipline/formula to circumvent all that,or even your life up to that point could be perfectly "driven",moment will inevitably come you will have to pay too big price for something that's not your fault.
I pay price of parents stupidity, that's just reality I have to accept.

>>1938250

>>1938250

LMFAO @ ur life my man u spent 20K on what a 2K ranger can do. You realize that every car can go 300K if you change the oil every 3K right? Not even a good looking ride you really messed up bro

>>1938264
I honestly have to ask you,
you meant :"chicken/cheese" as less of 2 evils?? Because, it is not, same shit, trust me,maybe even worse(its my job to know).
Also, why don't you make your own food?

I'll give one fast advice to everyone, eat raw fruit and vegetables, cheapest food is usually healthiest.
Shit like bananas, kiwi,oranges,apples etc can satisfy maybe 90% of your needs and you are gonna be healthy,
also,that myth that fast food is cheapest, is bull.

>>1930454
Designer clothes is a hobby
I make small sacrifices to wear designer clothes

Getting a $10-$15k car as your first car and only upgrading once every 5-6 years would save so many people an obscene amount of money.

>>1930416

>Going to a non-ivy League school
>Buying a house with no money
>Buying a car with no money
>Having kids with no money
>Renting instead of living at home
>Working a job
>Drug, alcohol, gambling, and other bad habits
>Buying every new piece of niggertech that comes out
>Being ugly or fat, therefore undesirable.

>>1932536
If you want to drive a new car every few years, lease, it's cheaper.
You don't have to pay for repairs, maintain it, and normally you can get some sweet deals with dealerships by agreeing to rent cars from the long-term (as in one new car a year for 4 years).

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>>1937102
Yes. Lived like a king last year.

>>1930416
Leather Boot and Stuff.

>>1930454
Chairty can give you write offs

>>1930416
>Not immediately paying off a credit card balance

You dum dums actually believe this? Do you know what inflation is? Why would you pay now when you can wait until the deadline to pay ?

$1 today is worth more than $1 a month from now. You're paying less money (relatively) when you delay payment until the due date.

>>1930416
>Voting for the rich evil cunts who keep up the propaganda that poverty is a moral issue.
It's like I'm really on Ferenginar.

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>>1930416
Some from my own experience with the people I grew up around

>Buying bullshit on eBay
>Cigarettes
>Renting indefinitely
>Financing a new car
>Crystallized Methamphetamine
>Buying small purchases like a TV or Computer on a financing plan
>Using credit card too often
>Buying shit at Sears using a fucking Sears card
>Cable TV like OP said, not even remotely worth it in the year 2006 + 11 AD
>Divorce / Child Support
>Brand new shoes and clothes frequently
>Going "barhopping" or "clubbing" every weekend

You don't even need to be well-educated or even have a great job to not be fucked in life. You just have to understand how much you can afford and just live slightly BELOW your means and do some basic 4th grade math.

>>1939606
If you pay it off before the credit is charged at the super-ridiculous CC interest rate, fine.

>>1930416

When I was in college I knew several kids that were paying for tuition with student loans, and also working part time jobs. Did they save their part time job earnings to help pay off their loans after school? No, they spent every fucking paycheck on booze and weed every weekend.

I knew one guy who was a heavy cig smoker, like 2-3 packs a day, and he told me he worked a part time job all summer just to save up money so he could keep buying cigarettes while doing school full time in the school year.

>>1936827

The ultra rich don't donate to charities, they start their own "charities" which technically perform charity work but really just exist to avoid taxes and launder money.

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>>1935195
>1% of total federal tax goes towards people with disability, welfare, food stamps, and other social programs.

>>1930936
>without throwing away all our money, thus being able to make more with it

True in theory, but in reality poor people don't invest their money into appreciating assets.

>>1932407
Well cable TV is roughly $100.00 a month here in Mankato, MN for the medium plan. Why not just get Internet and ditch the TV. Everything is streamed online now and you don't need cable to watch.

>>1938930
Poor people are not itemizing on schedule A.

>friend passes his driving test, wants a car
>finds a 2 year old car with 60k miles on it
>somehow ends up financing it for 14k, props to whoever sold him that shit
>crashes it in under a year
>insurance will sell the car for parts, and whatever it makes will go towards the 14k but he has to pay the rest
>will only get like 2k from the car parts, if that

he is currently living on his grandparents sofa

> investing without reading up
> not investing enough
>spending on useless stuff
>eating out most days
>buying everything with cc
>buying phones every year
>buying big TV on loan
>spending savings on TV/PC
>having kids too early
>having kids without a job
>having more than one kid
>drugs/alcohol/cigarettes/coffee/tea
>buying cosmetics
>getting pets when you can't afford them

>>1939937
Not getting higher education

>>1936468
This is what I've learned as well. People I thought were my friends for years told me that I took school too seriously. I decided to "give myself a break." Now I'm struggling to keep my gap above 3.5. Never again will I listen to my cucked faggot normie "friends".

>>1939937
>tea
>drinking shit tea

>>1930454
The only reason I try to save as much money in other places is so I can wear designer clothes, i manage my finances well and save $500 every month and am on time paying off my college debts I

>>1934850

This is how you win

>spending any money they have immediately
>not planning finances
>surrounding themselves with other poor people

>>1938637
That's what I've been doing. Bought my 2010 Honda in 2013 for 11,000. It's now 2017 and the car is still running great. I was spending 80 bucks a week on gas driving a jeep. Sold the jeep and now only spend 15/20 a week on gas for the Honda.

>>1931808
>> €3 for a gram (over a weeks worth) of amphetamine is expensive

wtf....deepweb paste or shitty street stuff?

Hearthstone

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>>1930942
You type like an uneducated idiot.

Oh wait you're a socialist; you ARE an uneducated idiot HAHAHAHAHA

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>>1935195
>1% of total federal tax goes towards people with disability, welfare, food stamps, and other social program

The sad thing is there are people on this board stupid enough to listen to shit like this without looking up such easily refutable claims

>not maxing out your credit card during intro APR period and investing the money so you come out ahead
i can't be the first to think of this

>>1932503
Back 2 reddot

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>>1935195

>>1931824
hah!

>>1935195
I realize this is probably a troll but the fact that there are people on this planet alive today that are actually this retarded is really depressing

>>1932732
wow you just said my story anonkun,
what should i do to turn it around and break the cycle

>>1942600

Looks to me like 60% of our taxes goes towards lazy fucks like you >>1935195

>>1938257
>its harder than you think to open your own business
>WAHH THESE FUCKING BUSINESS OWNERS HAVE IT SO EASY, THEY JUST BUY YACHTS, THEY CAN AFFORD TO GIVE ME ALL THE THINGS I WANT

>>1938637

Yeah, learning this the hard way. I bought a $35k car brand new in 2013. I own $11k on it. I really would like the new Tesla, but I am so damn tired of being a slave to my debt. The plan is to pay it off, pay less in insurance as well, and see how long I can make it last for shits and giggles. It only has 50k miles on it. If cars can last 300k miles, I think I can get another 20 years out of it. Fuck having a car payment, I got other shit to do.

>>1930454
I don't see how giving to charity is stupid. I gave away around £9000 to charity last year and because i picked small scale, well researched organisations i saw how much difference my money made. Feels grwat desu.

>>1943507
>£

The best charity to give to in your country is the English Defense League

>>1943071
just tell your self you're holding off untill they have self driving cars

>>1930416
4chan

>financing a phone
>Using a loan to buy a car
>Pawn loans
>Renting furniture / appliances
>Designer clothing
>New cellphones when the previous one is 100% fine

>>1936267
kek

>>1938688
>Going to a non-ivy League school
What? This dumb?

>>1939937
>coffee/tea
>not getting that caffeine theanine combo

Debt
/thread

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>>1935199
what do you do for money m8?

>>1930416
Penny stocks
Porn subscriptions
Little bags of marijuana

>>1930416
>lotto
>fast food
>new cars
>designer clothes
>Newest model phones

>>1940232
that's stupid.

people are different obviously and everyone has to figure out his own way

>>1931821
This board has been successful in making me eat out less. Thanks faggots.

>>1943777
>Using a loan to buy a car
this is ok if the loan is at a rate below inflation

>>1944598
True

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buying soft drinks, especially at restaurants.

water is better for you, free at restaurants, and much less expensive than a $1 2L of coke. never buy bottled water.

what's wrong with buying a lotto ticket

>>1944824
Bait

>>1932766
If you're smart, you can buy an ounce and make it last forever.

>>1933120
The rich can afford to live like that in a sustainable manner.

>>1944814
This

Also, invest in a water filter because most public water is the U.S. is not good for consumption

>>1942600
>4th largest expense is interest from debt
Thanks Bush and Obama. What I would do to have Clinton back in office just to fix our shit.

>>1938637
My first car was $15k, used it for three years, and bought a second car at $19k. Gave the first one to my dad as a gift, finished paying it off last month. I owe about 8k on my second car, and I really want to buy myself a Mustang in the future because I'm tired of driving little pansy cars, and I've loved those cars since I was little. I will not get rid of my second car, because it's reliable and inexpensive. $310 a month is nothing. But I just want something fun for the weekend. Currently setting aside $100-200 a week for it, and I'm planning on buying outright, because I don't much feel like doing another five years of debt. Whether I go for a simple base model or a GT, and regardless of how long it takes for me to save the amount to buy it, doesn't really phase me.

What say you, /biz/? Is this a stupid ass move or can I allow myself this one luxury in a few years? I don't drink/smoke/go out, I'm single with no kids and the only other thing I'm saving for is to buy some land and build a house. Uni is relatively easy for me to pay.

>>1939937
>buying everything with a CC
It's the smarter way of doing things if you pay if off in full every month. You have more protection versus debit/cash and you get cash back, even if it's 1% that's a free $10 for every 1000 you spend.