Is there a more accurate meme about being an adult? Since moving

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bretty much

How is it so hard to live within your means? My living expenses are about $550/mo for rent, bills, gas, and groceries.
How can you be broke and not retarded?

>>130946927

Only if you are bad with money. Most people save their money and don't buy stupid shit. People also work more or get a better job if they need more money. The key to successful money management is keeping your liabilities to creditors low. Big mistake people make is buying cars and houses they can't afford because of muh status.

>>130946927
It is if you're poor and trying to live above your means with shit you don't need. If you're young home should be a place to sleep that has a roof over it, a place to have sex if you so desire, and a place to cook occasionally. Everything else is superfluous.

>>130946927
> spending money you don't have
BEST GOY

LIterally stop spending money and learn how to budget you fucking idiot

>>130947320
B..b.but I get my Ultra Good Goy Award Points™

>>130947198
>$550/mo
Damn bruh where do you live? Rural area of a fly-over state?

>>130946927
MAN THE FUCK UP PUSSY, JUST WORK 20 HOURS A DAY THEN, BACK IN MY DAY I SUPPORTED MY FAMILY AND 3 OTHER FAMILIES OF MY BUDDIES CUZ THEY DIED IN 'NAM, BLESS CAPITALISM AND BLESS ISRAEL, FUCK YOU COMMIE!!!

>>130947198
My rent is 975 and bills combined come to 350 and I make 1600 working full time and food here is expensive as fuck which leaves me like no money for myself, my shoes have holes in them for fuck sakes

>>130946927
man that guy sounds pathetic

>got promoted to full time at work
>opened up first 401k, savings account
>Saving money to go back to school to get certs to get a better job

Feels good man

>>130947198
You must live in the middle of fucking nowhere in a 1 room house that has no plumbing with the toilet 40 feet away in an outhouse and use your neighbor's hose to take a shower.

I live in a third world country and Im able to maintain myself and save money.

Are americans retarded or just brainwashed to waste money?

>>130947526
Sounds like you just kind of moved out without a solid plan for properly determining your budget beforehand, which is the biggest mistake you could possibly make. Why would you move somewhere where rent alone is about 2/3 of your income?

>>130947526
Stop eating fast food.

You are aware that the '10% on treats' is the thing fucking you right?

If you're just squeeking by and a hundred bucks could make or break you then saving it or working 10% harder for another hundred is infinitely better than spending it frivolously. Every month if you were ahead of your payments by 10% and saved it then by the end of the year you would have a rainy day fund

>>130947198
>$550/mo
Where the fuck do you work?

I work for a wage slave company and still make over double that a month.

>>130947198
>My living expenses are about $550/mo for rent, bills, gas, and groceries.

Where do you live? What ZIP? Because I live in Chimpcinnati's metro and before I picked up a Jew deal on a house, I was living very modestly in a one bedroom and my fucking RENT in Cinci was $550.

Pretty similar prices all over here unless you're willing to house share a dubious building or live with iron bars on your windows, surrounded by feral niggers.

So where the fuck do you live with 550 total?!

>>130946927
That's not being an adult, that's being financially irresponsible while having a low earning potential. Only some adults do that but more than you'd expect.

>>130947526

I'll be at $800 a month once I pay the rest of my student loans, should be in the next year. I'll be saving $1000 per month, $12,000 per year.

>>130946927
Adulthood is 50% hard work 40% preparation and 10% relaxation
This man is a nigger

>>130947888
Are you stupid?

>>130946927
This guy sounds like a train wreck. When I was poor af I never stressed about money. I had none nothing to stress about, just kept looking for better work and here I am, not poor.
>>130947727
What do you think (((they))) want?

>>130947526
Sounds like the corporate Jew has you by the balls

>>130946927
Lol wtf. I'm learning about 1k EUR more than I spend every month

As a consultant my biggest issue is having time to actually spend money... So I just end up saving it

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>>130946927
>Spending money you don't have.

Why? Why do people do this?

>>130946927
hahahahaha serves you right white bastards, me on the other hand, I go to college out of pocket and have a 2 million dollar trust fund

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My household income is $110k a year and we only spend $65k. That includes house payments part of which is principle gains. Living easy.

>>130947526
You spend almost $400/mo on food? Between your bills and food I feel like there's room for you to cut back.

>>130947798
Because I was 27 and couldn't live at my parents like a child anymore. I had 1000 dollars saved up when I moved

>>130947888
Nice reading comprehension

I worry about whether I should contribute my disposable income to my IRA or my HSA

>>130946927
Be thankful that you're alive at the birth of this new norm. You have no idea how bad it is going to get.

>>130948269
Just about yeah food here is very expensive

>>130946927
Money ain't shit. live simple. Supporting a family of 3 on 30k a year no problems. Shop at thrift stores and don't waste money on bullshit.

>>130948496
It can't get worse I'm always broke

>>130948569
I'd be rolling in money if I made 30k a year

>>130948381
I mean you can only manage what you can manage, I moved back with the folks when I was 24 because I was stuck in a monetary slump, best decision I ever made because now I can finish school. That year could have been the difference between being less stressed and finding a decent job without having to worry about monetary issues.

>>130948507
How often do you eat out/eat prepared food vs. time spent cooking? Unless you live in Alaska or something I can't fathom spending that much on raw ingredients per month.

>>130946927
Maybe we should spend money on high-quality housing/transport everywhere in our countries rather than gibs to Africa and people who can't tie their own shoelaces without government supervision 24/7. That way people could afford to live anywhere they want and businesses could operate where they want. Then wealth won't be so concentrated in cities like London and New York and all Westerners can share in the prosperity we're supposed to have.

>>130946927
protips
>stop doing drugs - hardmode: stop drinking coffee aswell
>stop buying video games
>cancel netflix, spotify or similar services
>stop buying fast food, candies and snacks
>NEVER eat out
>downgrade to a dumbphone OR get the cheapest phone service available (cant cost more than $10 a month)
>buy second hand clothes
>cancel gym membership - do calisthenics or go to public outdoor gyms

I am not at all financially well off since I am student but I get by through FRUGAL living. Look that word up you FUCKING degenerates.

>>130948708
Schools not an option I'm not smart enough to go to college or get a "real job"

No. I save what i earn. Children spend their money like that

>>130946927
I think this song is relevant for you
https://www.youtube.com/watch?v=pSDF8VvU13M

>>130947526

what are those 350 in bills?
why cant you find any cheaper than 975 in rent. that sounds expensive.
you can buy tons of rice and chicken for cheap. buy in bulk

>>130948788
I never eat out I only buy food from the grocery store, I haven't even ate fast food since I moved out because it's too expensive

>>130947198

13 year old detected

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>>130947727
the latter. Also people spend their money on decadent shit like the "avocado toast" for example, not to mention many of these retards are already thousands in debt because they went to an expensive uni. I went to community college for 2 years, then will be commuting for the next two (finishing next year). I'm able to work so I should graduate debt free. I paid about 2k a semester per class at community college, I pay around 8k a semester now which should result in only about 16k in debt + what I've already paid because I have a job too. Most people go to these scam colleges where they ahve to pay for housing and food catered through the school for like 25k a semester. Plus I bet shit in your country is cheaper in general because our companies know they can rip retards off selling the same product with a different name pic related

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Most places rent is expensive unless you do roommates. I'm rich now but when I was poor it was kind of fun having roommates, great way to meet people and expand your social circle.

>>130949113

can you get (chill)loan and stipend for studying or something? take some courses so you get it, i bet Canada has some socialism stuff

> debt
Ahahahaha

>>130946927

I don't worry about money. I make a lower middle class salary. I have a 401k and I'm about to pay off my car and then open an IRA. I can't afford fancy things but all of my needs are taken care of and fancy things have never made me happy. My hobbies (vidya, growing my own food, reading, shooting) aren't expensive.

The key is to not live beyond your means. Have a budget and stick to it. It isn't hard to do, tards just have no impulse control and that's why they end up 100k in debt to Mordy Shekelstein

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>only "treat" I bought myself this week was a Bluetooth OBD-II tool for $23 from Amazon
>it's something I can actually get productive use out of and see a return on my investment for
mmmmmmmmmmmmmmmmmmwhat

>>130948582
We're heading towards brazilian favelas senpai

yes it can get worse

>>130949491
they give them here. Niggers get excited like it's the first of the month and they're getting their future ebt because they can buy new Js or rims. Niggers always saying shit like "shiieeet mane when dat financial aid finna come through I need new rims for my impala"

Im paying back two college loans, my car insurance is fucking insane, and Im still living comfortably on $1600/mo

>>130949491
https://studentaid.ed.gov/sa/fafsa/next-steps/receive-aid#how
This is what they get

>>130948884
You'll make a lot of excuses in your life

>>130949275
I wish shit in my country was cheaper, right now I have family in NY and already ordered a lot of things, mainly from amazon and a electronic store in the area they are staying.

This isnt just for electronics, food is also cheaper in the USA compared to Buenos Aires, we arent in the 90s anymore.

>>130946927
No I'm wealthy and 32. This meme doesn't apply to me and a lot of my friends who are the same age. Grow up tendie munchers.

>>130946927
>not sure if I can afford to eat everyday
good. fasting is good for you.

>>130949560
I have no debt

>>130948884

if that is the case, then you are suppose to be poor and have holes in your shoes. thats how stupid people look like.

>>130949681
Good that way other people can experience what I feel on a daily basis

>>130946927
You're not an adult if you can't take care of yourself.

>>130947526
When I moved out, I rented a room in a dump for 475/month and worked my ass off. Saved about 50k in a year and a half. Live within your means... Also buy your groceries from walmart, you'll save a shit tonne of money. Literally the cheapest and best quality groceries anywhere.

>>130950256
Kind if impossible when they don't pay good enough wages in canada

>>130950563
I make 18k a year there is no saving up 50k unless I don't spend a cent for 3 years

>>130948269
$100/week for food is pretty standard in the US, if you're not eating ramen every meal desu.

>>130950676
Get a trade dude.

>>130948262
>unironically letting your wife work

>>130950596
>not just buckling down and having multiple part time jobs as unskilled NEET

This is why you're broke

>tfw when you own your house and car and have 100k in the bank and still always worry about money

Dad feels

>>130948569
Yeah supporting your wife and her son

>>130948860
We can't all suck Muslim cock for entertainment Sven

>>130948841
How about you get a job fucking parasite. Those people in Africa get the money because people who pay taxes would rather give it to them than your entitled, fat, lazy, smelly, crusty, worthless ass

>>130950596
Learn a skill and charge decent wages then, manchild.

>>130949655
Dude get the torque app it's pretty good desu

>>130948860
>protips
Your protips are to live like an absolute subhuman

>>130947526
rent 975 u dumb nigger stop living downtown fuckin moron

>>130946927
Not really, I can survive quite comfortbaly on ~£10k ($12.5k)

>>130951183
You just watch your women suck black cock

>>130951553
I don't you idiot I live in a shit neighborhood

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>>130951328
I got the "free" version right now but I'm willing to drop $5 to pay for the full app once my dongler comes in the mail
>tfw looking forward to scanning my Golf with a $17 dongle instead of paying $300 for a (((VW official))) codetool

>>130946927
r-selected

>>130948860
k-selected

https://en.wikipedia.org/wiki/R/K_selection_theory

>>130949889
ah okay interesting. I was reading an Eastern Euros post a few days back that claimed that prices were like that, I guess I shouldn't have assumed the same for SA. But yeah if people weren't complete retards about their money they could be wealthy in the US. I drive an old 2006 Honda Civic i paid straight cash for in high school, so no car payments. By the time the thing is unusable I should be about 25 at least, im 21 now and by then I should have the income to get a better car. I have many friends who will go buy whatever they can make the car payments on not what they can afford so they're driving new 2014 Impalas or something like that. They just go into more and more debt with no regard for how these decisions will affect their futures.

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>>130948145
then you should buy this

>>130951990
Nice memes

>>130951990
Humans are always K-selected, dumbass. We don't pump out litters of kids in hopes one survives (except maybe Africa).

>>130948860

>Living a pointless frugality to save up money that wouldn't even a downpaynment for a cuckshed-sized house

Are you LARPing or just an idiot, have you checked global inflation rates lately?

>>130948860
Amerisharts will never understand frugality, their souls are so empty they need to fill the void with (((lifestyle)))

>>130947198
Dude, I spend 550 USD on living in Poland, wtf.

>>130952447
k-selected

>>130951990

>debunked broscience

back to Roosh V with your bullshit

>>130951189
OK Tyrone, time to stop projecting your problems on strangers on an anime website sweetie. Go back to bed now.

>>130952667
>>130952667
but probably has some r-genes due to aggressiveness

over-aggressiveness is what helps r-selected animals keep away from predators, hence why they are aggressive, while k-selected are predators who are calm cool and collected (they need to be while hunting)

>>130952447
If you compare us to ants, yes. But then you're a fucking idiot. If you compare people with people then no.

>>130952766
debunked bro science is not an argument

slavs are r-selected though, hence communism

let me guess, you:
>always spends 100% of your paycheck every time
>almost never think about the future
?

>>130948860
No drugs? This would mean no pivo after work. Fuck that

I can fully understand OP right now. Currently living in a small city in southern ontario and fuck is rent expensive. 800/mo for an apartment living in a building with actual crack heads. $100/week for groceries is pretty normal up here if you prepare meals yourself, even buying bulk and cheap. Oh and prices on everything is going up again soon.
I'm barely making my bills and have no idea what to do. I can't afford the certifications to get into a trade, and only have basic experience at small stores and grocery. I still apply to 5 or so jobs a week but nothing really comes up. I just don't have the experience they're asking for.

>>130952447

I like how you've contradicted yourself within 2 sentences.

>we are all k-selected
>but some are r-selected

>>130953223

>debunked bro science is not an argument

It's an accurate statement about the r/K-selection theory, which is Roosh's (where you probably picked it up from) pseudointellectual euphemism for the le aplha fux beta bux.

>implying i have a choice whether to spend my money or not at 14,2% inflation rate, which effectively burns them faster than i can save them

good for you, you eat shit now to have money for the (((future))) that's real good

>>130953850

You could always buy some BTC or other fiat to reduce your exposure to inflation.

>>130946927
>being a wagecuck

>>130952916

>an* flag
>stupid pseudoscience poster

Never fails.

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>>130954565

From $60 in February

>>130953669
Exactly man, I also live in a building with crackheads and fights breaking out all the time

>>130955448

cheers then.

>>130949456
>110k a year COMBINED
>rich
nah, you have no idea of the word rich. i make 90-100k a year just my job living in the midwest. i live nice but by no means am i "rich".

>>130955949

Look into CREA my dude, they actually have a solid platform behind their coin.

>>130956247

It's been a crazy ride the last 6 weeks on crypto desu.

Did you see how RDD, DGB, and ETH all ballooned?

>>130956145
I couldn't imagine making even 40k a year , my life would be completely different

40k is more than double what I make now busting my ass doing labor everyday

>>130946927
That's life without a budget being a dumbass you fucking leaf

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>>130956456

Eh, not a fan of RDD and DGB to be honest, since i mostly go short term except for choice coins i fundamnetally analyze. If you made a profit on ETH baloon, it's time to cash it out my dude, it's going to pop after the next fiscal year starts.

>rent $150
>food $40-60
>miscellaneous $50
Git gud scrub

>tfw I live at home and just finished paying off my loans
I don't know what to do with my money now.

>>130957726
If I ever was rich and needed to blow a ton of money, I'd commission a huge, awesome statue of moot.
an homage to the world's most glorious faggot

>>130946927
You have to be a real low life to live like this. Live within your fucking means, you idiot.

Make a budget, save as much as you can. Learn something to increase your earning potential. Save more more.

What kind of NEET is this twitter faggot.

this 'le broke lets buy games' meme is shit tier.

>>130947198

I live in the shittiest apartments possible and my rent is $1500, I make $65k as a software dev and have 60k in student loans

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>be me
>make pretty decent money (~95k yr)
>tastes haven't change since I was a teenager so pretty cheap to keep myself entertained
>have been hoarding wealth for the past decade because no social life and haven't found anything worth spending it on
>still miserable

I'm still nowhere near the wealth level I need to enjoy a hookers & blow lifestyle, but I'm starting to think that "money can't buy happiness" meme is true

>tfw just want to support a qt3.14 wife and family buy all available women are whores, divorced, single mothers, or some combination of the 3

>>130946927
Oh no, life is about acquiring and consuming resources, I wish I could just like, have an abundance of everything so I don't have to worry about life

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Should I sell my house and live on a boat? Living costs are spiralling out of control.

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>>130958952
It's about getting a monthly cash flow going where you can drop 5k and not think about it, not hoarding it until retirement age.

Money does buy happiness.

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>>130946927
Pffft holy shit what a bunch of low-status slack-jawed faggots in this thread.

If you are only scraping by, in 2017 America or Western Civilization, you are fucking up really bad.

Get your shit together, stop buying retarded shit, eat high-nutrition low-cost food, and get some fucking discipline in your life.

Jesus. I feel bad for people with real problems that aren't their fault, not you morons who have no common sense and self-discipline.

>>130948884
You're underselling yourself, champ. But that's fine, if you want to be a poor loser with holes in your shoes for the rest of your life, don't ever challenge yourself.

>>130947259
My kitchen table and chairs are a plastic folding set bought for 20$ at a yard sale.

My friends thinks I am unbelievably broke because of this.

>>130947888
repeating numbers highlighting the benefits of american education

>>130946927
>t. faggot who sucks at life

>>130946927
>more accurate
>about being an adult
I've been an "adult" since I was 15 (am now 37), this kind of whiny muh bills, my "adulting" pains nonsense makes me hate you with the fire of all the suns. I hope all of you whiner fucks really suffer for a long time from your inevitable bowel cancer.

If you can't figure out "being an adult" is beyond your bullshit bills, kys now for the sake of the rest of us, please. hurry.

>>130947526
>>130947198
>guy spends 550 on rent
BLARRRGH WHERE DO YOU LIVE THE MIDDLE OF NORTH DAKOTA IN A MUD HUT???
>guy spends 975 on rent
WHHAAAAAAA GTFO OF MANHATTAN YOU YUPPIE PUSSY

>23 years old
>own a home
>950 euros a month to spend after bills and food
don't know what's so hard

>>130947198
Mom's rental rate doesn't apply.

>>130957959
The world needs this...
...the Statue of Faggotry

>>130961345
I know it's bait but you jongled my dongle.

There's a serious wage / inflation / corporate profit gap in this country and it's why Trump is in office and it's why there will be actual blood on the streets within a decade if things don't get better.

I'm 23 and stupid.

I live in a run down trailer on my grandparents land, I pay 600 month for Utilities and other bills(Not gas or groceries).

I work for 12.50 an hour with my room mate who makes 10 an hour.(Literally just started her job) how am I broke all the fucking time. I must be retarded because I'm just failing at life right now.

>>130946927
Thats some millennial numale shit right there

>boo hoo I dont have enough money to pay my bills, I better buy some of this candy at the register and get a milkshake on my way home

Fucking shit pisses me off to no end. Its like my single mother cousin saying "Im a mom, I deserve to have some fun"

>>130965683
Well what the shit, samuelson, just no fun alllowed period?

BLOW IT OUT YOUR ASS GET OFF THE CHONGS AND DO SOMETHING HEALTHY

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>>130946927
I'll explain this meme for you.

I am a student, and have 10,200 pounds to live off a year. I spend about 5,500. 10k a year (slightly below min wage) would be absolute luxury standard.

A combo of these are why you've got no money

>expensive phone/laptop/computer you don't need every 2 years
>buying from convenience stores instead of the supermarket
>paying for bus constantly instead of cycling or walking
>being a carcuck when you don't need one like most people (only valid if your a poorfag, cars are obviously nice to have)
>getting jewed 24/7 (not checking online before you buy something)

>>130964117
>corporate profit gap

kek here we go muh i'm smarter than the C-suite

>>130965907
What the fuck are you even talking about

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>>130946927
>>130947056
>>130947526
>>130947888
>>130947996
>>130948860
>>130949275
>>130949770
>>130951582
>>130956510
>not being a Class A CDL trucker since 2006
>not starting at $43k for 8 months a year
>not currently getting $61k
>not living in a small, comfy cottage in your grandpap's 9 acre property, which you'll be set to inherit
>not having a subsistence garden and hunting your own meat
>not having $1.5k in all monthly expenses on average
>not retiring this year in October at the age of 32
>not knowing what the fuck is debt and being absolutely alien to it
>not seeing this great nation's land from East to West, to North to South
>>130949955
>>130948262
>>130949984
das rite mane! ayo hol up cuh!

>>130947211
>People also work more or get a better job if they need more money.
i.e. they worry about money

>>130964572
U P R O O T
P
R
O
O
T
>tfw I know it's hard for you boy, but you have to go to it, it ain't fixin' to come to you

>>130963495
this

>>130968769
Uproot to fucking where

>>130946927
>living paycheck to paycheck
try getting a real job

>>130968056
>regards, trust fund baby
Thread is for real adults only

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>>130946927
That's because you're Canadian and your money is worthless and you have to pay like 15% in sales tax, plus high income taxes.
But hey "free" healthcare.
And someone's gotta feed those refugees.
Next time don't put a drama school faggot in charge of your fucking country.

>>130969470

damn, rekt

>>130946927
i have a lot of money and dont really have to worry about not having enough. i just make sure to never spend more than i have and to always budget and save.

>>130964572
You are.
That's $2000 a month before taxes.
Your bills are $600 and you have a roomate.
That put's your rent at $300.
You still have $1700 left over.
If you can feed yourself and gas your car on $1700 you are guaranteed to be poor for the rest of your life.

>>130969217
>u have 2 be a trust funder 2 get a CDL
WEW LAD kill yourself tonight

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>>130946927
I fell for the adulthood meme too early.

>move out on my own at 18
>pay rent to landlords (money black hole)
>work part time because full time student
>leave college early because run out of money for tuition
>work shit jobs and scrape by while paying money to landlords

Meanwhile, I have a friend who:

>drove absolute beater of a car throughout teens and early 20s
>everyone made fun of him for it
>lived with his parents until his early 20s
>everyone made fun of him for it
>didnt go to college
>everyone made fun of him for it
>didnt spend any money from work on himself or his life
>everyone made fun of him for it
>2008 - housing prices crash
>he takes all his saved money and buys houses for cents on the dollar
>now hes loaded

I wish I followed his steps instead of going to fucking college and moving out of my mom's house.

>>130947198
>rent for less than $550 a month

give location plz. lowest rent around here is $900 a month for a small box in an apartment

>>130969217
>t.college student
There is no such thing as 'trust funds' in Kentucky son. Go drink your latté booboo.
>>130968966
Where the job prospects are higher. One thing popping out of my head is become a diesel mechanic in Texas for a logistics & transportation company, for around $56k starting. Gotta hustle, inquire and haul ass. I'm about to retire this year, so someone is going to have to replace me.
>inb4 muh automated big rig transportation
No. Honestly, nope. Maybe in 30 years. But even then, there will always be a human behind the wheel for liability and security issues.

>>130946927
>tfw i smoke, drink and eat out every day and still have cash from paycheck left

kek maybe i'll go on a trip next month, if the jew grants me my leave of course

>>130970433
$450/month here Fayville, NC

>>130968056
>Class A CDL trucker
The absolute shitiest people on the planet
Hey faggot do you mind showing up on time at least ONCE?
"We close at 3:30" doesn't mean "show up a quarter to six and expect me to unload you because I'm still at work doing payroll for the month"

>>130970984
>implying I delivered products in pallets
I feel you, but I transported livestock and tankers .

The stress of knowing that if I lose my job that I'm fucked keeps me awake at night. I get insomnia so bad that I won't sleep for 48 hours at a time because I'm so worried about fucking up and getting fired. Then I get so tired from the lack of sleep that I actually do fuck up and get fired. I don't know what's wrong with me, I've had anxiety my whole life, but never like this before.

>>130948196
>tfw took out 1mm mortgage last week
Muh homeownership

>>130970126
This is the way to got desu.
College is a Jewish scam, you can always go later too if you really need it. Going right out of high school when you are dirt poor and have to take on an enormous debt at the beginning of your adult life is pure retardation.
Cars are also a Jewish scam. The car is not worth what you pay for it, the moment you drive it off the lot you loose money in the value of the car. A 10 year old car you paid a few grand for is going to maintain its value because its price is no longer falsely inflated. You don't need a $600 car payment plus full coverage insurance at 22 just because all your friends are doing it.
And if your parents let you stay with them rent free, take full advantage of it by saving the majority of your income that you would normally use to pay rent.
I don;t know why people are so damn eager to begin their adult life in the fucking hole.

>>130971629
Ever been really homeless? I mean no food, no job, no place to sleep? You should try it, takes the fear right out of everything.

>Oh God I don't know how I will be able to stay alive in first world America!!

Seriously though try it, you will look back on your old self and laugh.

>>130972293
I'm an ex crackhead junkie degenerate that lived in the woods in a tent for a while. I slept better then than I do now, what the fuck.

>>130971629
I get pissed that parents and both maternal/paternal grandparents don't chip in a few grand a year for a child for 18 years so that they'll (child) have a decent $80k for adulthood. This happened to me and we were lower middle class in a rural area.

>>130947198
for a 3k5€/month salary 13 times a year I pay 9k€ a year in income tax, about 250€/month for electricity, gas and water, 90€/month for car insurance, everything I buy has a 5%-20% tax on it, taking the public transportation costs me 5€ for around trip by bus, 10€ for a round trip by rails, etc...

>>130946927
This is what your ancestors fought for. Greatest Generation my arsehole.

>>130968056
in the other thread you said you were retiring this year at 34 to become a hunting guide and liquor store owner.
you're full of shit.

>>130951553
>stop living at the place where the jobs are
Great plan. Now I can cut back $200 on rent, but double or triple my commute time which means additional cost in gas, maintenance or transit. A monthly bus pass is nearly $300 where I am.

>>130971629
Best thing to do is take steps to calm the fuck down. Won't fix itself unless you work on it, and it won't be fixed right away. I felt kinda similar on my first job, but after getting more experience, it seems to take a lot to resort to firing for most people. First job was at a warehouse loading trucks and we had a new guy not make anywhere near his contribution and do fuck all for almost 2 months before he was fired. Didn't even know the location of incredibly basic items. Sounds like you probably have social anxiety too, to which I would recommend more testosterone from working out and to try and make the process of socializing automatic. Don't go into your head and acknowledge its uncomfortable or social or analyze it, just slow down and practice.

>>130946927
when yer an adult youll know it. some jackoff dorsey from twatter won't have to tell you how it is. morons

>>130946927
Maybe if you're a millenial who can't handle financial responsibility.

>>130953669
Lol holy shit. Montreal brah here and as of july 1st im paying 545 a month for a clean studio across from a giant parc and 10 mins from downtown by subway. No niggers either. Cant fathom living in cucktario

>>130961345
>you're broke because you want to do things beyond the bare minimum level of sustenance and survival
>just stop having fun and you'll be fine

>>130946927

Living with the entire family is the best way to do it. Globalization has made sure of it that the young can not live on their own anymore.

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>>130947888
>I work for a wage slave company

You know, there may be a reason that's the only job you can get. He said his expenses were $550 a month, not that he made that much.

>>130951249
any skill that pays decent wages requires a certain amount of capital whether financial or social or cultural.

if you're making minimum wage, you're just surviving. you can't save or study, because you have no money or time.

i've managed to turn my life around after being admitted to an apprenticeship program, but that's just because those hippies in the trades unions are trying to build a more diverse workforce: i don't have much mechanical talent.

>>130972603
less to worry about it when you're rock bottom and living in a tent innawoods. instead it's basic shit like what's the next meal.

>>130947198
>$550/mo for rent, bills, gas, and groceries
Do you live in a cave in the middle of nowhere?
That's about the same price to park my car in manhattan per month

I live on about 800$ a month. Make close to 20k a year.

Be frugal, stop going to bars and blowing money, and lower your expenses, ditch the car man.

I take a 2 month long surfing trip every year boi

>>130973345
Simple typo (on mobile while at dining out). Kek, as if your world collapsed son. I am 34. Get your shit together.
PART liquor store owner.

>>130978655
I don't think the goys here would understand what social or cultural capital is. And therefore the impossibility to "pick yourself up by the boostraps". The game is rigged simple as that

>>130980158
i think they have a point: just giving up can sometimes be a symptom of lack of creativity. i'm not really someone i or others would tag for trades apprenticeship, but here i am. if college were more affordable i'm probably do that instead tho: i should really be an engineer.

>>130946927
Just dont be a poor stupid faggot.

>>130980158
>not being temporary homeless for a year to save subsantially while working minimum wage
>not making a dugout in a space far from public view
>not growing weed in a secluded area and sell to dealers for $800 a pound

>>130947198
I make 60k a year and I'm still worried about money. It's foolish to assume you will have a job for the rest of your life, you need to constantly invest your money so that you end up having no need to sell your own labor in the uncertain future.

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>>130980138
how pathetic is your life that you have to larp on a cambodian spearfishing forum?

>>130947526
My rent is 100$ for a room and i spent 100$ for food while making 1100$ I am car mechanic.

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>>130980158
It is in fact rigged, but against poor people. If social security tax instead forced people to invest 10% of their money, we would have a lot less problems.

>>130946927
I worried about money until I graduated with my degree. Now I make $60k a year. Not amazing, sure, but I live in a more rural area, so my rent is about 450 a month, and other expenditures are pretty negligible.

Either learn a trade or get a degree. Make yourself a desirable employee.

>>130981161
KEK!
>implying everybody in 4chan is a NEET
I think you belong here >>>/r9k/ boy.

>>130946927
No, I never fell for the "debt" meme, I haven't had under 10k in my accounts in over five years.
If you literally stop buying things you can't afford and put 5% in an account every paycheck you'll wake up one day and have 1000$ sitting in a savings, keep on doing that and once you get 2500$ put it all into a vanguard account, and now that you don't have to pay fees since you already have an account just keep putting 5% into it every pay period, even if it's some small ass amount like 5$ you'll still be building savings.

>>130946927
I just tell people to move to Iowa. High wages, low cost of living.

>>130981358
This is so true.
To bad most people have financial literacy on the same level as a toddler.

>>130981358
its only regressive if you're a millennial.
boomers are charted to get their investment back and then some.

>>130972030
I recently saw an Indian call toilets ''The Porcelain Jew'' and I haven't been able to read posts like yours without giggling ever since.

>>130972030
>tfw i did/am doing all these things

>>130972030
>A 10 year old car you paid a few grand
you really have to buy new tho when you buy used you end up having to take the dealer to court for selling you a L E M O N

>>130948860
Yeah, just live like a bum. Great tips.

>>130949834
dudes 27, he can make life choices without them being excuses, faggot. college is a waste of money if you don't mind working for a living.

>>130947869
>Tfw your "10%" is fucking $14 in four lokos to deal with the day
What the fuck

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>>130947462
>"Hurr rural flyover"
>"Why can't I afford food? The Republicans did this!"

>>130946927
No. I'm not poor so I can afford to live in a decent home, afford all my bills and food, can support my drug addiction, and purchase all sorts of useless shit for my hobbies. I don't understand people who make similar money to me and don't have kids yet live paycheck to paycheck. I spend stupid amounts of money on the dumbest shit in the world like comics and action figures and I still have money to put away to save. OPs post is bullshit. Just don't be a retard.

>>130946927
If that's how you live, you're not really an adult.

>>130981358
Mmmmmmmmmmm yes because dumping the volume of money of social security in the S&P500 wouldnt have repercussions and everybody can enjoy such money machines! It makes money growth by itself!

>>130948569
>He didn't grow up on 30k a year
Fuck you, my mom was working 2 jobs for that 30k and my brother and I had to raise ourselves. We were lucky to eat dinner some nights

I make 60k and put 1k in savings every month. i still feel like a poor ass nigga
Im thinking about getting a roommate just so i can save more.

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>currently 26 years old
>come from poor family, no gibs
>rent cheap apartment
>live on cheap but healthy food
>making $70k/year at job
>been using 30% of earnings since 2014 to daytrade and speculate on cryptocurrencies as a second job

Currently sitting on $1.4 million in assets and cash. Will buy a home when the market collapses in late 2017-early 2018.

This shit ain't hard if you're not a retard.

>>130946927
Learn to save, and learn to shop. Ask an old lady or someone's mom. They have a lot of tips and tricks. Also look up personal finance on jewtube, they will give you percentages to allocate for certain expenses. And if you don't track every purchase you are doing it wrong. Learn to cook also. Here in Texas produce is cheap I can eat off $100 a month if I stay away from processed. And look into an air fryer, a cooking method which saves time, oil. Energy usage. I by dollar fifty bags of russet potatoes make twice the amount of fries in a preprepared bag of ore-Ida.

For me, being an adult is

20% worrying about money
50% not doing anything... lurking threads about Christianity on a Hongkongese cartoon board and wondering whether I need Jesus Christ in my life
30% spending the money that I HAVE

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>>130983332
>if you give me $1 today, I'll give you $1.20 in 40 years
>that's not a good investment, I don't want to do that
>you ain't got a choice pal

>>130987865
>Currently sitting on $1.4 million in assets and cash.
Nice.
I'm at $300K now. You're ahead of me :)

>>130946927
Or you could be successful and it's 90% playing vidya from 10 years ago, and saving money. With 10% worrying about your investments

>>130947869
>one freak auto accident $1000 deductible, bye bye to a mother fucking year of frugality.
It's seriously like why even try?

>>130987902
I have a 1200 square foot town home two stories for 900 a month after utilities. If you rent and utilities are put of your means I've found that's what gets me after I shop like that. We have apartments for 425 1 bd room before utilities but a lot of places have it uncluded here. Any Texans here who have similar set up or your tricks?

>>130988333
Gee thanks Kek for the vote of confidence

>>130946927
Adulthood is paying your bill's and then not giving a fuck what you use the rest of your money.

It's fucking YOUR money, so who gives two shits if I buy only beer with it?

>>130946927
https://youtu.be/-L_75cyualg?t=1m37s

>>130988119
Check out BNT. Was released on Bittrex just a couple of hours ago. Selling for $5 there, while it can be purchased directly from the smart contract for $4. Easy money.

But if you're in the game you probably already know.

Do not get a credit card before 25 unless you are disciplined. Get used cars until you have a career. Car motes can fuck you if you aren't prepped for that long term financing

>>130948860
Good tips

I do all execpt
>buy second hand clothes

Also
>downgrade to a dumbphone OR get the cheapest phone service available (cant cost more than $10 a month)
Which one is less than $10?

>>130946927
Don't base your life on material things. And try to get a job that's not minimum wage, simple as that. Not saying it's easy, but it's alot less stressful when you make 40k a year after tax but only require a 25k a year lifestyle to be happy.

I just graduated college. My rent is 750/mo, and I make 55k/yr at the moment.

I'm doing fine. I really don't spend money. I'm learning to cook (just cooked teriyaki chicken) despite having never done so before. It's cheaper and fun.

>>130987865
Where do you get started?

>>130989295
Read and learn about cryptos. Spend at least a few months getting to know the markets and its past (specifically BTC since it's the oldest) before you pour money into it.

Normies having no idea how things work is how I make my money.

Don't think it follows the exact same rules of the stock market. Rationality is not the most important factor.

>>130983927
Never buy a car from a fucking dealer, what the hell is wrong with you. And even if you pay $4000, you can pay for 5 of them before you equal the price of a new car. I paid like $1500 for my current car, and it is a junker. But its a honda and it still runs fine. Had it for like 4 years now, have had to make some repairs, but nothing over a few hundred bucks at a time.
It's a fucking Jewish scam and you're falling for it hook line and sinker

I stayed at my parents till i was 20, paying around $350 a month on expenses, working full time and saved up $8k AT A FUCKING PIZZA RESTAURANT. I'm 22 now, fucked around and gotta DUI that I've spent $4k and counting on and still have 3500 in the savings and 250 in my wallet right now. Stop fucking around, /pol/, it's not goldstein, it's your shitty decisions.

>>130947723
Nah we just don't get fucked as hard here in the midwest. I rent a 3 bedroom house with a garage for $650/month. Probably nicer than most $1000/month apartments in the city. All my bills per month don't even total $900 and that's with student loans and a car payment.

I live with my mom and have no expenses
:^}

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I'm a daily pothead and i dont worry about any of this shit holy fuck (you) guys it isn't that hard

my number one tip is to never borrow

>>130989708
I'll go further. Ride a fucking moped. It's gay as fuck, can't tote any qt's, but..
>no payments
>no insurance needed
>don't need motorcycle endoresment
>100 miles to the gallon

I rode one for 2 years straight, rain or fucking shine.

>>130989726
What state did you get a DUI in? A DUI conviction is gonna follow you around for the rest of your life and severely limit your employment options.
I got one myself in IL - not expungible from your record under any circumstances.

>>130958952
I am debt free and feeling the same, but I only make 55k and I work souldraining swing shift.

There's more out there, our kind just needs to find it.

>>130989708
Where else should one buy a car from then

All I worry about is buying my second home. Have 401k, Roth IRA, 1.5 years living expenses saved, FSA is fully funded, wife stays at home with our child bc working mothers are for losers. Paying double payments to pay down principle. Get a better job and don't waste money on stupid shit

>>130990091
Florida. Got a solid attorney, and got the charges reduced to reckless. The penalties are still shit but the DUI won't haunt me.

>>130946927
Stop wasting money on frivolous shit dumbfuck.

>>130990365
Lucky you. Crook County Illinois doesn't let you plead DUI down to a reckless. I ended up paying close to $10k in attorney's fees, court costs and probation fees. I landed a job offer starting at 108K but still nervous about having to explain the DUI on my record to HR when they pull my background check. Job doesn't involve driving so hopefully they will not rescind my offer. Don't drink and drive.

>>130990306
Private party. Save up 1500, buy something reliable. 90's hondas, (prelude, civic, crv, etc). I have had a '95 f150 for over a year and has literally never failed me.

>>130946927
Thats why im going to the police acadamy. 2 years of education, jobsecurity is very high, starting salary is around 60k, new day everyday, get to breathe fresh air, don't have to slave for profit to a jew overlord, get to drive fast and experience exciting stuff, get to have a gun and go to shooting practice. ll have money enough to get by, to go on vacation, and not have to worry about OPs struggles. Pension is super sweet too.

>>130990580
That's fucking ballistic. What was your blood/alcohol when you got busted? Mine was .148

>>130990626
this. Hondas are god-tier for reliability. I'm on my 5th Honda right now, an early 2000s Accord. They just work and keep on working. Lowest cost of ownership of just about any car out there.

>>130987865
>making $70k/year at job
there are very few job in the US that are open to non-college graduates that pay this well, and I have one of them. however it's very competitive to get a spot and you still have to work your way up.

even HR will make you get a CS degree for a coding job, shit's ridiculous.

>>130990626
even so the incentives are skewed. why sell a used car that runs well? hardly anyone ever does.

>>130947526
I live in manhattan and my rent is 650.

I share a shithole with others, but I'm saving money WHILE in law school/working.

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>>130946927
>I can't manage my finances and keep a budget :'(
kys leaf

>>130993713
When you take cost of living into account, it's not that great. I think we're a bit ahead of New York on the cost side, which gives some perspective.

A tiny cuckshed in Oslo goes for $400k+

>>130993713
>what is literally any sales job

>>130990830
TFW when too manlet to join the police.

>>130946927
Maybe if you don't spend 10% of the time spending money you don't have you won't have to spend the other 90% worrying about your lack of money

>>130994611
retail sales hourly wage: http://www.payscale.com/research/US/Job=Retail_Sales_Associate/Hourly_Rate

>>130994599
it really does, in real terms may be getting paid better than you and i'm still at half rate.

sitting on a chunk of change rn i don't know what to do with; i'm waiting for the market to crash again to invest. couldn't prove my identity with vanguard soon enough to bet against brexit, ditto for the trump election.

>>130990626
>reliable
>1500
The reason why the meme is 3K civic is because that's the lowest you're going to get for a reliable civic. At 1500, you're looking at Poor Man's Special (anything that'll run).

>>130993796
Basically. Both a family member and a friend got conned by the "change the battery just before the test drive" scam. Former bought for 1500, the other for 15000.

>>130972030
> heading to university after summer
> friends are too
> they're all moving out
> I'm staying at home because uni is in commutable distance

> lmao why aren't you moving out
> because I don't need to
> but what about independence dude
> I'm not paying 700 a month for the miserable amount of independence living with 5 other people would give me
> weird

How is that fucking weird

>>130947198
I live in MD and I make 40k a year. No college, blue collar job. Worked my way up from a temp agency making shit to lower management over the years.
I would be sitting pretty right now if I were in TX or one of the flyover states but in MD where the median income of a household is fucking 69k I gotta say its harder here for me right now.
Thank god I have no kids or I would be in even worse shape.

>>130995051
I just googled it and the height requirement for police in Denmark is 152 cm, so 5 foot even. You aren't that much of an uber manlet are you?

>>130948860
I don't know why people are shitting on you. Destitute-tier involves living in your car.

https://www.whistleout.com/CellPhones/Guides/guide-to-free-cell-phone-plans for literally free phone plans + phones.
Ting charges you based on usage. So if you use VoIP, internet-based SMS, and mooch off wifi at McDonald's, Starbucks, Library, etc. you can meet a very low amount a month. Google Voice is an easy way to accomplish this and makes it a lot easier to switch phones (you don't have to port your number) and lets you make calls and text from the computer.

You can just pirate your video games and TV shows. Or if you're trying to be ethical, you can read books, play free MMOs, and watch YouTube videos. You could even get a hobby or something.

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>>130946927
I net $2600 a month
>rent $1300
> electric $50 a month
> gas $15 a month

I eat out literally every single day, $20 daily
> smoke a pack a day, $12 daily
>smartphone bought and paid monthly by company
>carpool to and from work daily

I have $5000 saved and another $3000 in my 401K

>tfw NYC prices are exorbitant (50% OF YEARLY SALARY BLOWN ON RENT)
>tfw I could quit ordering out but paying others to prepare and deliver restaurant (not fast-food) tier cuisine is one of the only pleasures I reserve in this life
>tfw I could quit smoking but I'm a recovering heroin addict ($2000 a month for two years, blew through all my savings) so the nicotine Jew doesn't seem so bad and I don't drink poke smot dabble in their rec drugs

What do you think /pol/? I'm sure 90% of you are rural hicks whose eyes are boggling

Honest opinions PLOX

>>130998753

dude. I live in Tulsa and I make the same amount net if I don't get any over time. I usually have at least $200 in overtime per check. I pay $700 rent and have a paid for truck. i cant imagine paying 1300

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>>130998091
Vidya isn't even that expensive of a hobby. You don't even have to live furgal, just don't live like a fucking retard. There's a middle ground. Don't spend money you don't have, and save what ever you can. That's it. No loans, no debt, no credit cards. Budget your expenses and live within your means, and save what ever's left over.
Instead of going to college for 4 years right out of highschool, stay at home for 4 years and work full time. You'll have no expenses, so you can save almost all of it. Even at minimum wage, you're looking at 60k in your bank. Then find a job you can sustain yourself on, which you know have work experience, and buy what ever the fuck you want.
It's not that hard, just don't fall for Jewish tricks. Just remember who's loaning you that money. They know you'll never be able to pay it back.

I've never been that into the "every cent matters" camp, but these girls who have gone on 7 trips to Europe and love brunch complaining about not having enough money get no pity from me

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BAMPF

>>130999278
Tulsafag here, where do you work? Anywhere that I don't need a (((degree))) for?

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Here is some serious advice for anons looking to live a bit more frugally or even go to college and having a cheap living.

Invest in pic related. You can find leftover FEMA trailers for cheap at auctions.
>living at an RV park going to university
>rent is $365/month
>no electricity/water/garbage/internet/tv bill
>no bullshit leases
>no pet deposits
>only have to refill propane every few months

Seriously, student housing and multi-person housing complexes are the most jewy types of living commodities. Living in this has kept my student loans below 30K.

I work at a low tier shit manual labour job with no education and i can SAVE roughly 2 200 dollars a month after i've paid all bills and food. I don't understand what kind of shit countries you live in.

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>>131003668
>>rent is $365/month

even thats a ripoff just to park a trailer on gods earth

>>130946927
fucking retarded.

When I first got a job I worried about money a little bit, but after putting away 50% or more of my paycheck into investments and savings for a few months, I had zero financial worries.

After doing it for five years, I hardly even think about money.

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>>130946927
That's not being an adult, that's being a 200lb baby.

>>131003944
I would agree if you weren't using their water/electricity/internet/tv that is available on site. That's essentially what you are paying for.

>>130947526
>make 1600/m
kek if you can't even get a job for 13/h you are literally the laziest motherfucker in your area or a ridiculously incompetent sack of shit.

I used to work at a warehouse for 14/h and I did fuck all for 3 hours out of every day.

>>130947198
Shit man, i live in fucking Jew York. Here, even a studio runs at about 2k a month.

>>130948262
tell me how. we make around 160K all told and have almost no savings pls help.

>>130946927
>treats
dog gamnit