>74k/year >pinching pennies to save money I make 24k monopoly

ok

I was a coke addict once and quit. Please clap.

>>134496926
Depends where you live

>>134496926
We have to support niggers and spics ruining our healthcare and welfare systems.

>>134497069
I'm very interested why €24k/y let's me live (in Spain of all places) better than a burger winning $74k/y

>>134497206
>I can maintain a daily coke habit
>was a coke addict once
american edumacation

>>134497238
Madrid, easy the most expensive place in the whole country (maybe after barcelona since they implemented the new sugar tax there)

>>134497303
yeah but we pay 21% tax on everything + the government takes away 10%-15% of your salary, do you guys get fucked even worse?

74k its a fucking lot. It depends how you live. I make 51k and here in PR that's pretty comfy, but if I want to have luxuries (like live in a penthouse jn front of the ocean and drive a last model porshe) I would need at least between 70k to 80k a year.

>>134496926
If you live in a big city 74k goes fast. If you live in San Fran, 74k is literally poverty tier, you'd get food stamps and probably have to live with roommates.

>>134496926
Having a family to support?

>>134496926
Americans don't live with their parents

>>134497598
>do you guys get fucked even worse?
On the 75k example, the FEDERAL INCOME tax rate is 15.85%. There are other taxes like state income, property, gas, etc.

>>134497747
well yeah, if I wanted to live in a swanky city center penthouse/loft/duplex drive the latest sports cars, etc. I would have to clear at least 3k-4k a month but that's still 36k-48k a month (euros)
not really that much higher, literally a promotion away and I work as freight traffic operator

>>134498506
I have 2 kids (custody of 1) and 2 bitch ex-wives

>>134498320
please elaborate

>>134498521
renting a €600 3bed 1bath flat, lost 1 apartment to ex wife

>>134497747
>live in a penthouse jn front of the ocean and drive a last model porshe) I would need at least between 70k to 80k a year.
wtf I want to move to PR

>>134498787
>renting a €600 3bed 1bath flat
So fucking cheap
A 2 bedroom, 1 bath apartment is around $1k in my town

>>134498787
>please elaborate
http://sanfrancisco.cbslocal.com/2017/04/24/bay-area-low-income-100000-san-francisco-san-mateo-county-hud/

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>why don't Americans live with their parents

Our parents don't let us. They seriously hate us once we pass the age of 18. If you are over the age of 23 and living at home you're mostly considered a loser.

>74k
I wish I made 74k. I make 55k and I live paycheck to paycheck. One check goes to rent. The other check I used to get me through 4 weeks until the next check comes. I can buy a few things here and there but it usually gets eaten up by surprise expenses like new tires, new car registration, new clothes, etc.

Americans make more money but trust me, they charge about 3x-5x as much for rent here as they do in even the nicer parts of Europe.

I know some Germans/Swedes and we pay way more than you guys for pretty much everything - car insurance, cell phone, food, rent, etc. And your base wage $9/hr is the base wage here as well.

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>>134497598
>10-15%
Nigga they take 45 % if u make more than 60.000. You in the lowest bracket.

>>134498866
The catch is that most jobs here pay between 20k to 30k a year. Heck the GDP per capita here is 28k. I only make 51k because my job is in high demand (I analyse medical records for a Health Plan for risk assesment).

Only very high specialized jobs here make more than 70k and are usually c-suite level jobs.

if you buy nice clothes/furniture/phones whatever its very easy for your expenses to explode.
i still manage to put half my income into savings

>>134498320
Can confirm. I make $20 an hour in San Fran and I can't afford to eat out.

>>134496926
>I can maintain a daily coke habit
Careful with that. You will eat your words in short time.......Most people I know of that said similar things ended up as toothless crack/meth heads. I am in recovery from alcohol

>>134499311
>Our parents don't let us. They seriously hate us once we pass the age of 18. If you are over the age of 23 and living at home you're mostly considered a loser.
this. i have a low end job at the moment and my parents don't want me living at home. i obviously wouldn't prefer to, but it's just economically retarded to be paying california rent for myself when there's an empty bedroom at my parent's house. fucking boomers have no perspective

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>>134497598
social pressures in the usa are fucking stupid, you need a nice house a nice car and nice shit, and you need to keep buying nice shit. if you are hanging with people making over 75k a year expect to get shouted out of a party if you try to drink cheap beer. Other countries I lived in just keep a lower standard of living and are satisfied with it, they also don't mind buying cheap brands or locally. I don't understand why this is, but it's true. How many of your friends in spain dropped over 300k on a house?

>>134496926
It's called having a high paying career.

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>>134496926
tfw might not be able to get my fix tn

>>134498787
I live in DC and my 600sqft studio is 1500 a month. I pay your years salary just in rent.

>>134496926

Its when you start doing things with other people that make it hard.

>>134499569
You can't buy locally in America because anything that's local cost twice as much as it does online. They literally have a 20-50% markup to buy in the store locally.

>don't mind buying cheap brands
Yeah usually because cheap shit here in America comes from China and its laced with poison or it's complete junk since there is little consumer protection.

>>134499543
Don't worry man, it won't happen to him, he's *different*

>>134499796
>hurr why dont you move out of the city theres plenty of jobs here in the middle of Arkansas you can work at McDonalds or do construction 70 hours a week

>>134499311
>they charge about 3x-5x as much for rent here

To be fair this varies immensely depending on where in the US you're talking about. I can drive 10 miles east and probably pay $1k/month for a studio apartment, or 10 miles southwest and pay $700 for a 2 bedroom. Then you can go to further extremes like Manhattan vs. Bumfuck South Dakota.

These numbers are pretty meaningless without some kind of overall cost of living metric like: https://www.numbeo.com/cost-of-living/rankings.jsp

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American real estate and insurance, they package up your life into very wasteful models. They are the primary expenses of any larger income household.

Americans will spend their entire paycheck, every single month, just to maintain their habits based on outward appearances alone. They will oftentimes end up penniless at 50, despite having made 6 figures a year for decades.

>>134496926
Like the other anons said its all about location.
I make about $70k (40 after fucking taxes) a year and I live very comfortably out in the country. I have a new truck, a house, I drink a lot.
I used to live in a city and that kind of money would get you a shitty apartment and a basic car.

>>134499796

I don't understand people in DC, NYC, LA, and San Fran

Fucking move if you don't have a high paying job.

FFS. Your cost of living is shit, and there is no point in living there.

>>134499560

Pay rent to your parents your selfish asshole. You are so infected by commiefornia you will probably say something like "they don't need the money"

>>134498715
well that's fucked up, we have other taxes like if you own property but it's more of a once a year nuisance
most people pay the 10%-15% income tax and that's about it.

>>134498875
you can get even cheaper if you're willing to go farther away from Madrid city center, there are of course flats like mine (but bigger in total area) smack down in the center for €1k or more but they are usually rented by groups of students willing to sleep on futons

>>134499083
that's sad.

>>134499325
nigga I just said I make 24k/y and when is the last time you saw someone that makes 60k or more??
+ those graphs are outdated

>>134499679
and the question was "why do I, a low skilled worker, live better than burgers with college degrees

>>134499569
during the housing bubble? lots.
all but q lost their houses to the bank.

>>134499543
not gloating or saying I have it under control, I realise it's a problem

too many replies so can't answer all

>>134500050
Still better than your government taking all of your money and wasting it on stupid bullshit and giving exorbitant amount of money to terrorists.

>>134499541
Oakland, idiot.

>>134499929
My profession doesn't exist in mass outside of NYC, SF, Seattle and the DC area. This is the cheapest of those options. I make over 6 figures. This is the best option.

>>134499986
Yeah, I can commute to work 3 hours every day and save $200-$300 a month on rent, if you want to consider that an increase in my cost of living.

You're not going to find any decent paying jobs in South Dakota. Almost certainly nothing that has a valuable, transferable skillset unless you want to drive semis or work at a cash register for the rest of your life. I don't know about you but I've done trucking and eating your meals out of gas stations fucking sucks.

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>>134499569
This picture triggered me bad Reeeeeeeeee

>>134500207
>well that's fucked up,
For the average American middleclass family making about 150k combined, both spouses work from 1 Jan - 24 April just to pay taxes.

http://www.cnsnews.com/news/article/ali-meyer/americans-must-work-jan-1-through-april-24-just-pay-taxes

>>134500121
Move and do what faggot? Go to Arkansas and work as a cashier?

>>134500325
>Yeah, I can commute to work 3 hours every day and save $200-$300 a month on rent
That would completely defeat the purpose because any saved money would go towards any extra gas you're burning anyway.

>>134500222
You guys have a whole other can of worms to deal with on that front, I think that our wasteful personal spending has fueled the generational avarice keeping socialism at bay, simply out of the inability to pay more taxes without sacrificing our niggertech.

>>134499929
I've never had a coke habit but I've been maintaining a low level opiate and amphetamine addiction for over 10 years while holding professional level jobs.

It is possible. At least for some people.

>>134499929
>You can't buy locally in America because anything that's local cost twice as much as it does online. They literally have a 20-50% markup to buy in the store locally.

That's the other part of it too. I shop are farmers markets and stuff and produce is cheap as shit and a higher quality, but I live in an agricultural area. The issue isn't that cheap shit is bad quality, it's that most Americans need to get the guarantee of a good brand label to feel comfortable.

I also just hate social life here because when I do and don't have money spending 8 dollars for a beer at a bar that isn't high end just kills me. It's the thing to do though.

>>134500207
>during the housing bubble? lots.
>all but q lost their houses to the bank.
yeah same happened to my friends, i'm wondering if yours learned though? mine are doing the same thing now, again. maybe it's an international problem.

>>134500222
>implying the US gov doesnt do that

UK, US, and Canada are equally shit holes in my eyes. Canada is pretty much an American territory without the benefit of owning cool guns.

>>134496926
>Not saving money from inefficient areas where possible to have more spending power elsewhere
This explains your economy

>>134496926
No fucking shit? A muslim rape baby is able to fuck around and do nothing during siestas and still have money?

>>134496926

americans are the most consumerist nation in the world.

if you don't have 2 cars, 2 flat screen plasma tvs, a laptop, a desktop, an iphone, an ipad, luxury furniture, bicycles, etc. then you're "lower class".

oh yeah and you have to upgrade all of those when a new one comes out kek

literal street shitting indians make $65K starting in this country faking it through our colleges. most "entrepreneur" visas are going to chinese just buying startups. they make a few million a year in revenue. illegal immigrants, unruly nigs, pedo wood.

we're a husk. just nuke us senpai.

>>134500750

Basically this, people in the west in general are materialistic retards

>>134500325

Again, simply focusing on "decent paying jobs" doesn't paint a coherent picture. It's wages AND costs, and the relationship between them.

I live in a metro area in Texas and make 53k/year. My job makes literally half that in west Texas, which is very rural/desert and sparsely populated, but at the same time, everything out there is cheap as shit except I guess obscure commodities.

Having said that, yes, no one wants to live in a shitty area or commute 3 hours/day, so most choose to live in high-cost living areas.

>>134500567
It's not possible. My dad did the same thing and he just slowly fried himself over decades of use. You might still be able to function but you'll turn into a bitter irritable asshole, or some other variation with negative personality issues. You're not special, the fact that you think you are shows you have a problem.

>>134500503
That's my point..

>>134496926
burgers buy houses they can't afford. They sell themselves into slavery to the Jews by buying a super expensive house. The real estate market is a scam.

>>134500185
they very much need the money. they could really use someone around the house to help with chores and such, they're getting up there. i'd happily give my parents the same amount i'm paying in rent now, they just don't think it's proper for their adult child to live with them. they don't want me paying rent in their house, they'd rather blow through their savings, sell the house and blow through that money, and rely on my brother and i to support them when that all runs out. i'll say it again: boomers have no perspective.

>>134500606
>good brand label to feel comfortable
I can understand this with things like clothes and electronics because certain brands DO have certain quality controls that make their products better
as for food that's bullshit imo, I myself buy store brand (although it is seen as a sign of lower income)

and yes, they did learn their lesson but now the next generation is making the same mistake

>>134496926
And we have free healthcare too, even with our uber corrupt politicians. Burgers must pay a ton on nig welfare or something.

>>134496926
the USA is going to go into recession within a few years.

we've experienced massive inflation within the last year in some places. where I live, prices have changed noticeably by the week.

when I was in high school, I had a teacher tell me to stay on track in college because "its impossible to live comfortably if you arent making 100K"

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>>134500750
Is this the American propaganda shills at work? Got to keep up the morale by shifting blame onto the people instead of the retards in congress who keep printing more money?

Stop projecting, nobody here is complaining about not being able to own 3 flat screen TVs you cunt. They're complaining because they have no money left over at the end of the month because cost of living is so fucking high.

>>134496926
I made about 6,000 this year.
Working 5 days a week.

Eat shit, you all burn money.

>>134500239
oakland isn't really any cheaper than SF to eat out. your money doesn't go any farther, although i'd wager that camino the best restaurant in its price point in the bay area, better than zuni's. but that's still like $200 for a meal for 2 with wine.

>>134500490

You might like it though.

>>134500750
>>134500856

This attitude only applies to worthless cunts, so it serves as a useful cunt filter when you whip out your 5-generations-old cracked smartphone and they struggle to maintain composure.

Also I work in one of the top 10 wealthiest communities in the United States and no one openly mocks my obvious cheapness. If they're saying shit behind my back it's not affecting me in any meaningful way.

>>134501219
Do you live in a ditch?

>>134501166

you're an urban retard, go neck yourself hedonist

>>134501219
I made 6k a year working 3 days a week, I still had everything I needed.

You can make this country work on a low budget, too, you just have to not think like an american

>>134501154
I remember back in February I went to the grocery store and they must have adjusted their prices for the new year. Literally raised the prices of a lot of staple items by 50 cents. 50 cents doesn't sound like a lot but when it's 15-25% of what the item costs, that's a huge fucking increase. Or the other trick they do is keep the price the same but put less and less. Now they sell bags of chips that are like 6oz for $4. Wtf

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>>134496926
>salary of a janitor (weaker dollar, too)
>drug habit
>PIIGS country

A prerequisite for happiness is contention. Youre content with your shit life, surprise. Good for you and who gives a fuck.

>>134496926
In some parts of America, not owning a home is literally throwing money away. My mortgage payment is $600-ish per month, and only about $350 of that goes to property tax/insurance/interest. If I wanted an equivalent apartment it would be $1000/month. And if I wanted to live in a shit house, I could do so for about $200/month (some houses here sell for $35k while shit apartments in the same neighborhood are $500/month)

The other thing where people spend all of their money is food. Where I live, a 5lb bag of potatoes is $2 here. Cabbage is $0.50/pound. Bell peppers are $1 each. Milk is $1.29/gallon. Onions are $0.80/pound. Eggs are $0.40/dozen. Bread is $1/loaf. Beans and rice are basically free. Pasta is about $0.80/box. Tomato sauce is $.050/can. Pork is about $2.00/pound. Chicken is about $1/pound. You could live very comfortably off of $20/week in groceries if you tried, yet people manage to spend $600/month on food.

>>134496926
My brother makes $70k or so a year and doesn't even know what to do with it. Everyone in my family is an accountant though (except me) so financial planning isn't really an issue

>>134501398
You don't understand how mortgage interest works.

>>134500710
siestas are a meme, I get up at 6am work from 8 to 17 and go to bed at midnight
only places that have "siestas" are southern parts where you literally can't work because of the heat wave and extreme sun

>>134500702
the state of my country is explained by shit like our government investing our tax money in changing street crossing lights to include a "female" figure as to be more "gender inclusive"
that and all government officials stealing millions for decades, rampant nepotism, etc.

>>134496926
Of course you can, you spanish siestacucks, you all get social services paid by Cucktalonia.
When is it not siestatime in Spain?

>>134501594
I bill $285/hour writing mortgage software, so go ahead and enlighten me.

>>134501398
Nice proxy, shlomo.

>>134501398
>Eggs are $0.40/dozen

Dude. All your numbers are like 1940 numbers.

>>134499311
Americans must be terrible at economics.
You rent when you could buy a small house with a couple of years of savings.

America has massive expanses of cheap land and dirt cheap houses - since they are all made of cardboard and fly away on the wind.
Even if your rent is 1,000 a month, there is no way you should have problems.
Even 2,000 - which would mean you are living in central new york.

>>134501788
Welcome to the midwest.

>>134499311
>If you are over the age of 23 and living at home you're mostly considered a loser.

Back in the day sure, but these days, you have record number of people living with parents, Google it.

>>134500903
>it didn't work for my dad, so it's no good for anyone

If some people become hopeless drunks, does that mean that nobody can drink beer without becoming an alcoholic?
Time will tell, but my use is like most people who drink beer casually, so far so good. Just a different poison.

>>134501811

>Americans are cucks because they buy houses
>no, Americans are cucks because they DON'T buy houses

k

>>134501691
>Cataluña paying more than Madrid
now that's a nice meme right there

for siesta meme explanation see:
>>134501682

>>134496926
Cost of living in certain areas. I'm comfy on 37k and can save up money. My ex, who is a mechanical engineer that graduated from MIT, makes 98k and couldn't afford to pay rent until her boyfriend moved in with her (Bay area).

>>134498320
Seattle is really bad too now.

>>134501811
You need about 20-30% down to buy a house. If you want to live in a decent area with decent job prospects (you know, to afford your mortgage and maintenance) you're looking at some super fucking expensive houses. Can't save $30,000-$50,000+ when you live paycheck to paycheck you fucking moron.

>$2000/mo
>central NY

You clearly have no idea wtf you're talking about. My 1 bedroom shoebox apartment in a city you've never even heard of before costs $1300 a month.

>>134501323
I'd probably be better off in a ditch.

>>134501858
It's an American thing to be independent though. It's not always that our parents hate us, but it's important to be your own person and make your own way here. That's a big reason why America has been so successful economically.

>>134501694
I may have made an assumption that you're on a 30 year mortgage, what's your original loan amount and term?

I make 300k flipping burgers at nintendo and my uncle works at Wendy's AMA

>>134501381
read the question retard
my life is far from shit, if anything I live better than most americans from all these stats im seeing in this thread

>>134501372
American logic.
I NEED CHIPS DURPE FO DOLLAHZ

Buy 2kg of potatos and a bottle of sunflower oil for the same price.
Make your own if you really have to eat shit.

>>134501811
55k/2 = 27.5k. Remove 12k for rent. Now remove 2k for food (that's being extremely frugal). Another 2k for transportation and 1k for services (phone, internet, etc. - those are mandatory, without them you don't get a job period). 10.5k leftover. Now don't you go forgetting insurance good goy. And the cheapest house you'll find (in the middle of the niggerhood) is half a mil. Good luck. Keep in mind that the rent is also unrealistically low in that scenario.

>>134502041
Why do you defend your coutnry so much? You fuckers still are owned by french dynasty.
French.
You idiot.

>>134502422
and you're owned by jews
...point being?

>>134502256
Literally had a shill on here tell me he was renting a 3 bedroom house for $200 a month

>>134502122
Funny, an american posted just above said the same thing.
Check how much property costs and stop throwing your money away on rent you faggot.
You are lining the pockets of the kikes and chinks.

>>134496926
people live outside their means on credit.
having a job that pays 74k/year (and it is people who have "jobs that do this) doesnt mean you live on that.
it means you can take out credit, get mortgages, and leases which end up costing you what you make.

>>134502656
huh. can't say I've ever seen prices that low :)

>>134502122

>live in one of the most expensive areas in the country

>wahh why is shit so fucking expensive

just move you suburban retard

>>134502122
>You need about 20-30% down to buy a house

Yeah that's not true at all. 5-10% is the new norm. Many people can get by on a 3% down payment, and there are some cases where you pay 0 down.

>>134502694
Your nose is showing now.

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>>134498715
i PAY 30 %

>>134502208
It's a new mortgage, so around $90k at 3.7 daily compounded on a 30 year term (with local property taxes and insurance escrowed)

>>134502712
I had a small house for 400 bucks. It had a bedroom, living room, kitchen, nice bathroom. It was in a rural area of the bible belt and had a lot of crime around it. I didn't mind living there but I wouldn't want to raise a family. Cheap housing in the USA usually equals high rate or crime.

>>134502694
>check how much property costs

Yeah, I did. It's at least 400k for a decent house here. Do you know what 30% of 400k is? Are you a Mexican living in Spain? Here let me do the math for you - that's a $120k down payment. Do you have 120k? How long would it take you to save 120k at your current job?

Ok then, stfu.

>>134502263
triggered

this thread is born of inferiority complex and moot comparisons. keep trying to convince yourself that, homie. like i said, good for you.

>>134502366
I doubt you've ever checked the house prices.
You just have nigger level economic sense.
You only think short term.
"Ooh rent is cheap only 1,000 a month!! No way am I paying 22,000 to BUY a place!".


No wonder the jews make a fortune out of you.

>>134502517
he doesnt have one.
he's just a retard exhibiting and emotional knee-jerk reaction because someone dared criticize "muh country" and following up with a groundless, conditioned diss on the french, despite never meeting any french.

>>134502990
I sure wonder who could be behind that post, am I right fellow goyim?

>>134500121
I live in LA and pay 1300 a month. On less than 35k a year I can still live comfortably. Its expensive but not difficult to live in. Most of the people here are just entitled fucks who bitch about everything.

A faggot coworker of mine starting bitching about being underpaid 2 weeks after getting back from a vacation in Hawaii.

>>134502860
>had a lot of crime around
What type of crime niggers? Oh man I couldn't realisticly live in a high crime nigger area at all if I could I would. I probably couldn't fucking sleep at all and have guns all over the place with an alarm system always going i'd still wake up to night terrors thinking some drug addict was going to break in and try to kill me and harvest my organs

>>134496926
probably has a family

>>134503076
>1300
What part? I was looking for a place and there was fucking jack shit less then $2k a month and I was living in fucking china.

>>134502990
>$22,000 to buy a house

You're so out of touch with American prices, please fuck off.

>>134502779

Then you make a metric fuckton or don't understand how progressive taxes work. Leaning towards the latter.

>>134502990

>22k house

Have fun in the ghetto.

>>134502694
>stop throwing your money away on rent you faggot.
i'd lose a lot more money if i bought a house.
between closing costs, market fluctuation, negotiation, inspection, etc... it only makes sense to buy if you're staying for 5+ years

rent gives me the flexibility to move to higher paying jobs, not be tied to one spot.

>>134502912
A nice 600m2 house built on 800m2 land at 1h commute from city center costs ~150k (euros)
if you want an apartment in Madrid (depending on area) be prepared to shill anywhere from 200k to 400k for a best case 100m2 to 120m2

>>134503067
Said the israeli flag hider coward.

10+ million kikes in the US.
6 million in Israel.
Together that makes up 99% of their global population.
Spain has a few thousand. We killed almost all of them, drove the rest into the sea, and whatever remained was forced to convert.
If you faggots had done the same, the world wouldn't be a shithole now.

>>134503245
Such prices don't even exist in fucking detroit, except if you exclude the cost of replacing the house on lots where it would literally cost less to destroy and rebuild the house than to make it physically habitable.

>>134502840
>It's a new mortgage
Yeah you're paying 35% to principal at best.

>>134503373
No because I pay $2000/month to it.

>>134496926
24k in your shot country is like 200k in many parts of the USA.

Because the government takes a massive portion of our paychecks, but unlike in Europe, we see practically nothing in return except for roads, but they won't even fix the potholes in those. The money all goes to Israel's welfare check, the military budget, and nigger and spic welfare.

We also have no community, it's every man for himself. I make a little over 30k and am a single man, can't even afford to live on my owm, rent is too damn high.

>>134498787

>renter


HAHAHAHAHAHA YOU YUROPOORS REALLY ARE FUCKING KEKS

>>134496926
Euro's have next to nothing in savings and aspire to own few assets outside of beach homes. Plenty (not a majority, but plenty) of people in the US own three or more properties that can be upwards of 50+ acres. White people can have around $100k in various savings accounts, give or take.

Plus someone having that drastic of a price bounce probably works in an industry like software or something and lives in the city. 105k wouldn't allow someone to live downtown of a major and popular city in the US, maybe in a semi-gentrified suburb still infested with niggers.

>>134496926
Are you a home owner? It sounds like you aren't.

>>134493200

>>134496926
Capitalism is "what's wrong" with amerikka. In actual 1st world countries, healthcare is free, college is free, and most everything else is completely affordable to everyone regardless of social status. When you let fat, greedy, heartless bankers run the country, you're going to have a lot of poor people get fucked in the ass in the name of corporate profit.

>>134496926
>an
>ec
>do
>tal
>ev
>i
>den
>ce
IDK wtf this guy thought he had to pinch pennies to save money, putting money into a retirement account is literally tax deductable.

>>134500750
>2 flat screen plasma tvs
>plasma

Fucking hell, don't you mean OLED?
Get with the times already.

>>134503436
>every man for himself

Couldn't be more true. Can't remember the last time I even spoke to a neighbor in the past 8+ years.

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>>134503168
:)
Stay in school, it pays off in the end.
And you have to pay for your kids privet school
or they go to school with this
https://youtu.be/KvUbJ-MsImY

>>134503412
Why are you in a rush to pay off a tax deductible low interest loan? You'd yield a better return sticking that extra payment into a mutual fund.

>>134503427
24k in Spain is like 28k USD.
Food is about the same price or cheaper in the US, fuel is about half the price in the US - get you faggots constantly complain.
Flights in the US cost nothing.
Land costs nothing, houses are made of paper and costs nothing.
Spoilt little faggots with no concept of reality.

>my daily imported swiss cat milk costs 2,000 a month alone!!! how can I afford to BUY a house

>>134496926
Just take care of your body first OP you can't pay any sort of money to make you start feeling feelings again.

>>134503670

By metric fuckton, I mean 7 figures. I highly doubt you are making high 7 figures while shitposting on 4chan. I make 105k and pay like 16% effective rate and if you made high 7 figures, you would have it all run through a business and use loopholes.

>>134503460
yeah, sorry for not buying another house after losing the one I owned to my bitch ex wife
and sorry for not falling for the housing bubble meme like so many others

>>134503510
see
>>134498787

>>134503627
its better to pay taxes on your retirement account when you put it in.
taxes will likely only increase in the future

Really depends on where you live and how you want to live.

I know people who live in D.C. on not much more than minimum wage, probably $20k/year or less. They rent a single room in a mediocre area and use public transportation.

I figure I could live comfortably enough on 50k per year outside D.C. Like if I had some investment that paid me that much per year I would just not work anymore. I could do it for less if I moved.

But I mean a lot of people are just terrible at money. I know a guy who makes over 100k/year and has huge debts. He just seems to have no concept at all of what things cost or what it means to buy everything he thinks of. He owes over 30k on his credit cards, last I heard. No reason for it. Just no concept of money.

>>134503726
>flights in the US cost nothing

Now I know you're a shill trying to dupe people into migrating to the US. Ryan Air is literally $20 for a flight in Europe.

>>134503675

I agree with you, but there are benefits to having no debt as well. Mostly psychological, but also gives you more flexibility.

>>134503675
Tax deductible interest on a $90k loan is nothing and a mutual fund doesn't beat that rate if the market crashes hard

>>134503670
How can students stay in school with the astronomical pricing and predatory loans being signed into law by Devos? For many, going to college would give them a degree but keep them in the cycle of poverty for a much, much longer time. It's not that easy to "pay attention in school" and "get a job ya hippies" as dipshits think it is.

>>134496926
Comparing money across country boundaries is retarded. Like when they say "this Africa boy lives on a doller a week". Nigga if that was true in a way that meant anything to us he would be dead.

>>134503794
I make 8 figures and I can barely afford to pay off my six ex-wives, the congressman in my pocket and my half a dozen solid gold personal helicopter dildos.
That they are rechargable hardly makes a difference when you factor in that the platinum cells need hand polishing twice a day by a B-list celebrity.

>>134501858
>Back in the day sure, but these days, you have record number of people living with parents, Google it
It's true but the boomer generation doesn't get this because they never had to deal with financial issues this bad. They still hate you the moment you turn 18. Everyone and their parents in America just absolutely hate each other.

>>134503865
Immigrants are welcome in the US.
Best of all, numerous African dialects are taught in every school, and arabic is the official second language of the country.

>>134503949
I'm curious who's paying you $285 an hour to write mortgage software when there's poo-in-loos who will do it for pennies

>>134503865
it's actually not, all these low-cost airlines are a scam. they tell you the flight costs €20 and then make you pay another €130 in "taxes and "obligatory extras". I have no idea how much flights in the states cost tbqh but I imagine they are almost the same as in europe or maybe a tad less or more

>>134496926
OD already.

>>134498787
>freight traffic operator
Fancy way of saying truck driver?

>>134504257
Americans don't pay taxes, no carbon tax, no flight tax, no road tax and petrol is nearly free.
They catch planes instead if a 1 hour bus journey.
They don't give a fuck about pollution.

>>134504237

You should be more curious why anyone would write specific mortgage software since there are millions of calculators out there. Financial software has been written and works fine at this point, no one is paying hourly rates for some douchebag to make a calculator.

>>134504322

this

>be me
>get thousands of dollars as a grant to help with down payment, never have to pay it back
>get extra $1500 towards closing costs (also a grant)
>get $2000 tax credit every year (MCC)
>deduct mortgage interest after tax credit

Thanks to these gibbes I am gonna close on a house next week and pay like 3 months rent upfront to own a house that I instantly start with about $11k equity in, and the payments with tax and insurance are only like 8% higher than renting an equivalent place. Feels good to partake in the gubbermint cheese.

>>134504237
Yeah seriously. If not, they will soon, especially for that kinda money.

The real software money is in government related work. Security clearances, bro. Visa holders need not apply.

>>134504237
Poo in loos poop in the street, and their software is comparable to pooping in the street. Wanna make good consulting rates? Clean up poo from poo-in-loo.

>>134504257
No it isn't lying faggot. I bought one from Northern Germany to Southern Italy 2 summers ago and it was literally $21.

Not only that but I did gift exchange with my German friend and it cost them $5 to ship to me. It cost me $60 to ship to them.

Just paid off my credit card bebt. Feels so fucking good. I can finally start saving.

I have a salary of 65,000 and take home 4000 a month after taxes. I live at home and just paid off my school debt in January. I'm in my mid twenties and live at home still.

>>134504630
Fat fuck that has never been outside of his home town.
Played Microsoft Air traffic control simulator 2015/6/7 and thinks he knows about reality.

>>134499541

That's nowhere near 74k yearly.

>>134504468
How did you find out about all these handouts for presumably first time home buyers? I thought those programs ended around 2011.

>>134496926
that guy must go out drinking a lot.

>>134504830
He works on tips.
Why didn't you tip him the standards 30-45%.

>>134496926
I make 76k a year, a few years out of college. I bring home roughly 1800 every 2 weeks after retirement, insurance, taxes, etc. I routinely save between 200 to 300 per pay check after I plan my budget. You know what rapes me? Student loans and taxes. I could afford 2 new BMWs if I didn't have a student loan payment and wasn't filling EBT cards.

>>134496926
This is someone who doesn't know how to save. I make median family. Not a lot, but it's enough to live comfortably and save a few hundred every month even with a mortgage, student loans that are already half paid, and a car that's got less than a year left. This is someone who lives in an area they can't afford, or doesn't know how to avoid buying everything on credit.

>>134504987
If you didn't want to pay back a LOAN, you shouldn't have taken it out.

>>134504831

Researched a lot. "down payment assistance" has a lot of hits on Google. It may be different state-to-state. Apparently where I live they're rolling in funds because they just randomly told me about the $1500 in closing cost assistance out of nowhere without me or the loan officer bringing it up.

>>134504987
>Student loans
Fuck these things.

If I knew what loans would imply I would have gone to the military for education AND fitness. Fuck what were my parents thinking letting me take out loans. I didn't fucking know shit about them because I was basically still a god damn child mentally.

>>134496926

Check our housing costs on Craigslist. Rent costs in a metro area.

>>134504237
>I'm curious who's paying you $285 an hour to write mortgage software when there's poo-in-loos who will do it for pennies
Every single company that's now cleaning up the street shit mess they generated over the last decade through aggressive off shore resource hiring.

>>134504413
>You should be more curious why anyone would write specific mortgage software since there are millions of calculators out there.
Reinventing the wheel is nothing new in software development. Everyone wants their own "custom" in house shit.

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Still can't move out and live comfortably unless I want some crowded shithole apartment which I had in college.. The nicer apartments are as much as houses. If I rent, I literally can not save any real money.

20 years ago, I'd own a home and have a family already, but now it's just like >>134503436 said - it's every man for himself. The women want careers, not kids. The men are barely getting by or out hired by minorities, and wages haven't gone up. Not to mention we are fighting degeneracy that gets worse every day and there's an all-out assault on young white men.

Something has to give because the millennials that are working and trying to make something of themselves are fucking fed up.

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>>134504383
it's a desk job, I track shipments, arrange pickups/deliveries, solve incidents that may happen, handle cost rates with top clients, etc.

>>134504630
I'm not the same guy you were arguing with here
>>134503726
and I don't know about the rest of Europe since we're not 1 country but please see attached, cheapest flight to Tenerife in cheapest month (september) on non peak days (Tuesday to Thursday next week) and it's still €70.

sorry but it's not cheap, if it were only €20 we would all go to the beach on the weekends

>>134505190
So were your parents.
So are all americans.

fucking REEKKKKTTTTTTTTTT
WORLSTA WORLSTA WORLSTA

>>134500325

Oil field jobs in the Dakotas are pretty insane high wage fyi.

100k truck drivers, etc. Housing costs near the fields have exploded also.

But herp flyover states don't care derp coastal faggot ignorance etc

>>134496926
I'm a truck driver, and made 80k last year. Made 45k the first year after getting my CDL. Enjoy all of your college debt.

>>134504413
Welcome to subprime lending.

>>134505387
Nobody in subprime is paying that much for developer hours. Most of that shit is done in excel.

>>134505080
>If you didn't want to pay back a LOAN
Who the fuck said I didn't, retard? I'm just explaining where my money goes when I roughly make what OP listed. Also I had very little say in my interest rate doubling the last 2 years of school, so you can fuck off pretending it's as voluntary as an auto loan.

>>134505115
Alright I'll look into it for my state. Out of all the things the government spends money on, helping out first time home owners isn't such a bad thing, would be nice to not pay rent.

Why don't people who complain about how expensive big cities are just move
Like is being biking distance from a butthole museum and a thai dog restaurant really worth having to extract gold from air particles just to survive

>>134505436
The people in deep subprime are the only people making any money, so yes they are. Especially when new lending rules like HMDA take effect soon and poo in loo dropped the ball

>live in houston
>only make 15k after taxes, 20k before
>one check solely for rent, meaning first check of the month has to last me anther month

I need to get off this wild ride. It was fine when I was still only with my mom. I always had at least 3 grand in the bank and only paid 300 USD plus cable bill.

>>134505232
Investors do not use The free software.
They have better data.
The old saying goes
"garbage in Garbage out"

>>134505384
>Enjoy all of your college debt.
>implying I went to college

I'm a unskilled high school dropout working an administrative desk job
literally 0 debt

>>134505190
I was taught how loans work by my parents. I didn't go to a school I couldn't afford and got a degree that would be in line with the debt. My starting salary was about equal to my total debt which is completely manageable. I'm not in the best neighborhood, but since it's historically bad, the city is tired of it and gentrifying.

>>134505384
Enjoy your 18 hour road hypnosis mind meltingly dull existence inside a stinking tin can for the rest if your life sunbathing on half of your head until you look like fucking Harvey Dent's ugly sister.

>>134505548
Some industries just don't exist away from them.

>>134496926
>does coke
Kys

>>134498787
You see in America we have these big cities that are literally jew traps. They're fucking awful, yet con dullards into thinking they're great. The cost of living is awful, you cannot own a house, minorities everywhere, degeneracy running rampart, it's just awful. Like its vomit inducing sickening. Then you go to rural America (read: white America) and things improve. But knowing there's a nigger within 100 miles of you still makes you tense up.

>>134496926
It depends on what "save a lot" means, and where that guy lives. In any big, coastal city, 74k a year is nothing.

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>>134505564
>implying regulators give a shit about non-qualified mortgages

>>134505573
lmao you have no idea how many redundant off the shelf solutions exist for almost any given problem. I highly doubt the financial industry is so unique for each business that it requires a multitude of custom built software solutions for their data sets.

>>134505643
What good is working in the industry of your choice if it's barely paying your bills

>>134505630
I learned over time. I'm not fucked with high payments. It's 300-400 a month. I stayed in state which made it cheaper. What killed me was how long I took in undergrad then I went to grad school which interest started to get me.

But if I had a free 300-400 every month I could do so much more for myself.

>>134496926
74k in the US should be enough to live pretty much however you want to. However, that money doesn't go as far when you have kids or live somewhere with stupid housing prices.

>>134496926

He probably lives in a major city. If he doesn't have roommates, the cost of a nice single apartment is fucking insane. It could easily run 24,000 or more yearly.

>>134505523
>Also I had very little say in my interest rate doubling the last 2 years of school
What years? Mine went from 3 to 6 in about 2008 for new loans. However, that's only incidental if you were getting a degree that's actually valuable compared to the cost of the school. You act like you had no choice in school or loan types.

>>134505355
Price of oil is low, oil field isn't paying shit anymore you fucking moron.

>>134505548
This.

Same applies to whiney faggots who borrowed 200,000 to go to a school with a bunch of hipsters to end up with a media studies degree at the end of it like this guy >>134505523
If you didn't want to pay it back, don't take the fucking loan out, crybaby.

>>134505679
>doesnt do coke all the time

What a goddamned melvin. The Jews outlaw any drug that could help advance the goyim

>>134505640

It will be automated before that

>>134499560
I guess I'm pretty lucky. My parents would allow me to stay with them for as long as I needed, assuming I'm school or have a job to keep me from being a useless NEET. I completely understand where you're coming from though since I also live in commiefornia.

Renting an apartment would not only be expensive as fuck where I live, but actually put me quite a bit farther away from my school and job than my parent's house.

>>134499560
>cali
Found your problem.

>>134505640
I'm local. I drive for 5 hours each day, and come home to my own bed, and still make 80k a year. You 're stuck paying off debt until you're 50.

>>134505902
>liberal arts degree meme

Good luck getting a job as a chemical engineer without a degree you absolute idiot.

>>134505546
There's federal programs too. FHA will let you in with a lower downpayment, but you'll be required to carry mortgage insurance for the life of the loan. Worked for me as I ended up having to only put 5% down and at a 3.25% interest rate too. Rates are going up.

>>134496926
mostly just super expensive, everything is super expensive here

>>134505565

What industry/job do you have? I'm in the H too

>>134505832
Welcome to the new outsourcing.

For my area of expertise, everything is in major city on the coast. It just needs to be for trade purposes and keeping costs down. Its cheaper to give employees slightly more money for a cuckshed than deal with land shipping and hazard costs.

>>134505746
>implying ((they)) dont
All lending, subprime, non-conforming, or otherwise, is regulated. Quit larping.

>>134505548
My dad commuted 2 hours his whole life for that reason. Gas is cheaper than the monetary and social costs of living in a city.

>>134500490
on second thought, maybe you should stay in the big city and suffer.
don't come destroy a good state

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>>134506028
Lol I love all you fucking shills who always flood these threads with these outrageous claims.

>I make 80k a year driving trucks for 25 hours a week

No you don't you fucking shill.

>>134506139
Two hours a day or two hours per trip?

>>134503854
Hahaha no. Unless you need higher salary in retirement...

>>134496926
How old are you?

>>134506033
My uncle runs the chemical plant, so I didn't even need a degree. Their for loosers who want to pay of loans for the rest of theyre lifes.
Your probably one of them, and even if your not, for all intensive purposes you should of been.

>>134506222
25

>>134499569
>social pressures in the usa are fucking stupid
Seriously. People actually "buy stuff they don't need with money they don't have to impress people they don't like".
It's like the message immediately flips from "just bee urself :)" to "be exactly like everyone else" the moment you get a serious job.

>>134505881
I was coasting on 3 until around 2012, then finished with 6.5s.
>You act like you had no choice in school or loan types.
Really, come on. I'm glad I could chose what hand the sex monitoring chip went into. You act like I didn't take the best possible choice for both of those things. Why do you people shill so hard for the jew scheme that is student loans. I'm fully capable of paying back my loans with ease and fully understood I would be doing so before taking them out. That doesn't make the entire academic pyramid scheme banks, the feds, and school systems are running total bullshit. Having to rack up multipliers of debt compared to previous generations, far out pacing inflation, is not a badge of honor.

>>134496926
What's your favourite colour?

>>134506241
Nigger tier language skills confirmed.

>>134506203

Either way, 1 hour total commute is my upper limit for maintaining sanity

>>134506096
Non-qualified mortgages are not subject to the CFPB. Subprime mortgages are non-qualified mortgages. I hate it when code monkeys think they understand the industry.

>>134504987
>I routinely save between 200 to 300 per pay check
assuming 26 paychecks a year, shit man. step up yo game

>>134506404
Nigger-tier should of been hyphenated.
Your a complete hypocrite.

>>134506241
>My uncle runs the chemical plant, so I didn't even need a degree. Their for loosers who want to pay of loans for the rest of theyre lifes.

You don't have a degree? I could never tell.

>>134496926
>wtf is wrong with burgerland
We have an entire world of leeches like you that we have to provide financial and military aid for because if it was up to your shitty country to pay for the welfare and protection of it's own citizens you'd all starve to death within two weeks.

If we cut you burdens off and put ourselves first we would be colonizing space before 2025.

>>134506175
I live in Texas and haul oil from refineries. I;m 24, and already living in a 650k house with my wife, when you guys are struggling to rent a one bedroom apartment.

>>134506483
>Your a

>>134496926
>a literal europoor
I thought you weren't allowed on my internet anymore.

>>134506442
That's not counting retirement, doubling auto payment, and paying extra on loan principle. I COULD save more, but I have a comfortable amount in savings while aggressively paying off existing debt.

>>134506407
Same. That's driving. I could go longer if by train cause then I could read or take a nap.

>>134506630
ok, show me your 5-7 figure annual salary faggot

>>134505865
Ah, so you crammed in too much at once. See, I grew up poor. I have two A.S. degrees. I could raise a family in the same relative poverty, but if I don't have one, I'm using that extra money after my existing quite low school debt at the same payments as yours is gone to get a bachelor's. I already can start as a junior because of my existent degrees. Does it take a lot more time? Yes, but it's better ti stay within your means than over extending. I don't make all that much less, my take home is about 2600 a month, and I still spent 4 years, but I've got a lot less debt and I'm nowhere near the salary ceiling in the industry or my own company. My bigger issue is putting up with corporate culture bullshit long enough to be promoted quickly. I'm good at my job, but management is mostly diversity hires in my department.

>>134506634
>paying extra on loan principle
morgage or student loan? also, really no one employed full time makes an exception for retirement savings, assuming youre referring to a 401k. no one magically makes an additional 7-10% appear just to impress people.

>>134506639
Eat, commute, work, commute, eat, sleep, repeat.
Memorable life.

>>134506747
You want to see someone that makes between 10,000 and 9,999,999 a year? A fucking McDonalds worker in downtown Detroit qualifies for that.

>>134506757
What do you do for a living now?

>>134496926
This person has probably decided to raise a family instead being a degenerate faggot like yourself.

>>134505640
Automated trucks aren't good on surface streets and there's an entire local economy of logistics for warehouses, food stores, malls, etc.

>>134506747
I make a 9 figure salary, because I saw a character on a film say it once and it sounded impressive.
I also drive a dodge Chrysler and I have a 5.A grade point average.
I graduated top of my class at MET and my wife is a cheerleader for the San Francisco Dolphins basketbase team.

>>134500490
There are cities besides DC, NYC, LA and SF that have good jobs and lower costs of living. Why do you think some of the fastest growing cities in the US have been places like DFW, Houston, Atlanta, Nashville, and Orlando?

>>134507020
Harvey Dent's sister just shit her half of the bed.

>>134506423
All credit applications, regardless of whether or not the product offered is subprime, need to be reported to CFPB. Additionally, CFPB rules are not the only rules the OCC regulates pretty much ever lending product imaginable. So if you don't know what you're talking about, stop talking.

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>>134507022
shhhhhh, siesta time

I make 23k a year and my monthly paycheck barely covers rent for a low end apartment.

Can only survive via the help of my family as a single worker working between 35-40 hours a week.

Oh I'm making $2 more than minimum wage as well

>>134506775
No mortgage currently, just student loans and an auto loan.

> also, really no one employed full time makes an exception for retirement savings, assuming youre referring to a 401k. no one magically makes an additional 7-10% appear just to impress people.

Not following you. Yes, it's a 401k. I was just pointing out that the roughly 15% to 20% I'm putting in savings a month is just for emergency funds, future purchase, etc.

>>134506327
I didn't say it was a badge of honor. I'm saying if people would stop acting like you need a 20k a year university to be successful, the bubble would pop. I bet I spent in total what you did in one year and you have no greater relative economic power.

>>134507232

Do you have a girl friend/wife?
If not, get one. A combined income will make things easier.

>>134507162
You're talking about a simple list of mortgage applications, how advanced does this software need to be? Also I think you're confusing HMDA with CFPB.

>>134496926
>wtf is wrong with burgerland?

Jews have convinced the goyim that "living well" means buying the most expensive things you can.

My uncle lived the same life. He made around 200k and they still lived paycheck to paycheck because they had to have the expensive new cars, the oversized house, and all the fancy the marketing Jew told them they needed to have to be "better" than some shmuck who's only earning 50k.

>>134507244
>15%
i think you really need to explain your money in money out for this to make sense, and at 250 posts. im not sure how it works for you, but dont set aside a percentage of your income as emergency (not sure what future purchases means), but set aside a specific dollar amount. any excess goes towards either investment or loan payments.

your emergency fund is finite, it shouldnt grow over time

>>134496926

Again, why do you faggots complain and beg for socialism when you live in NYC, San Fran, DC, or LA?

Just fucking move. You can't afford the city. Fucking accept it and increase your spending power by moving somewhere else until you can earn enough to live in one of these cities.

Until then, don't fucking bitch.

>>134507261
>I'm saying if people would stop acting like you need a 20k a year university to be successful, the bubble would pop

I completely agree. There is no point in some 18 year old going to an extra 4 years of high school for massive debt to get a job making 30k a year.

> I bet I spent in total what you did in one year and you have no greater relative economic power.

I went to school for something that interested me and could provide me with a comfortable lifestyle. How much you have in your bowl is irrelevant. I voluntarily went down the road I took, but that doesn't mean it's not immune to mine or anyone else's criticism.

>>134503152
probably panaroma ccity lmao

>>134506139
Does he value his time at $0 an hour? Even if gas is cheaper than the cost of living in a city, you're still wasting 4 hours per day driving back and forth to work, with no compensation for that time.
There are plenty of situations where a long commute can make sense, no question about that, but to commute 4 hours a day to save $300 a month on rent or something is fucking retarded.

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>>134496926
That's my post. Allow me to explain though. I don't live in a super high cost of living area but I like saving money so I can live debt free and buy neat stuff. Even at 74k a year I have to watch my budget very carefully (never eat out, buy only what I need, cook a lot, drive a shitbox that's paid for) in order to save my goal of $2,500 every month after my expenses.

With my new job at 105k a year I'll have my house paid off in 2 years and 3 months.

>>134502096
fuckin this, good luck trying to find anywhere to live in seattle

my parents own a waterfront house currently worth 1 M, they want to sell it but I keep begging them to hold it for a few more years since the shit it only going to get worse

>>134507360
HMDA is administrated by CFPB to start with, so if you actually knew anything you'd know that. And how advanced does the software need to be? Incredibly advanced, because again, there's far more involved than the acronyms you listed.

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>>134507655
my house payment excel sheet broke after msn money stopped supporting stock info retrievals

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>>134507780
>my house payment excel sheet broke after msn money stopped supporting stock info retrievals
Oh that's a bummer. One of my favorite things to do is play with my savings spreadsheets and see how I can save more money.

>>134506524
This.

>>134507499
I put back close to 300 dollars a paycheck, twice a month, often more. This is between 15% to 20% of my take home pay. I reserve a specific dollar amount as non spendable, the rest is divided up for various future purchase like a down payment on a home, etc.

>your emergency fund is finite, it shouldnt grow over time
This is the one thing that gets me. I have a horrible fear of not having enough cash on hand at all times so I tend to think of emergency funds as needing to grow. Good points doe.

>>134507719
>loan number
>applicant name
"Gee boss, we're gonna need another 50 hours of dev time to get this right!"

>>134507957
im not great with excel. i need a new stock info retrieval addon or code. what you use please halp

>>134496926
75k/yr Burger:
>owns house
>owns 2 cars
>owns land
>pays for health care

24k Euro faggot:
>lives in a plaster box 7th floor
>has a bus pass
>went to the beach that one time
>"free" shitty health"care"

>>134508036
This is why you get paid shit, and I don't

>>134505190


this my dude. my parents told me they just wanted me to go where I wanted to no matter what since they didnt get to. things change in 50 years though. now I pay double rent every month cause I was told not to worry, college guarantees $$$$$$$$$$$$$$$$$

my fault for sure for not thinking it through but it's a bitch trying to save for a diamond ring or DP for a house when I have 35k on the wings

>>134503726
Someone making 28k in LA is getting taxed 15% by the Fed, 15% by the state, and another 9% by the county on every sales transaction.

24k is more like 34k in a major metropolitan area, which is spot-on the poverty line.

>>134505565

>cable bill

just use internet

>>134508256
>tfw live in LA

k-kill me

this place sucks unless you're a porn star or rich

>>134496926
>wtf is wrong with burgerland?
Depends on where you live, I'd be living in a closet in NYC on that salary

>>134508221
This is why you're a contractor who begs literal shylocks for work while I make six figures working less than 30 hours a week taking apps from qualified applicants.

>>134508574
You don't even know what HMDA is you larpfag. You're just mad because I make far more than you.

>>134508670
It was nice talking to you tonight. Hope you pick up another contract soon.

>>134508574
>taking apps
So you're an LO, a.k.a. bottom of the totem pole. Go fucking kill yourself.

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>>134508832

>>134508022
>saving dollars

Your money is going to be worthless in 10-20 years. The value of the dollar just about halved after the 2008 recession. We're due for another recession, even worse than the last - any day now. Your money isn't going to be worth shit, we're all going to be carrying around Zimbabwe dollars.

>>134508832
>>134508831
I.T. POWER RANKINGS

1. Networking
2. Security
3. Nix admin
P O W E R G A P
8. Programming
9. Windows Admin
10. Workstation support

>>134509086
>Networking (makes only $90k/year)
HAI GUIZE I PASSED MY NETWORK+ AND I KNOW WHAT A SUBNET IS
>Security (makes only $80k/year)
HAI GUIZE I PASSED MY SECURITY+ AND I KNOW WHAT BCRYPT IS
>Nix admin (makes only $22/hour)
HAI GUIZE I PASSED MY RED HAT CERT AND I KNOW WHAT init.d IS

>>134502912
>tfw not a suburban coastal retard
>buying a lot and building a 3 bedroom cabin themed house on it
>50k
Sorry your life is shit anon, you can choose to be happy

>>134509405
That reminds me of how many software and dev people don't understand CDIR.

hi, your IP is 161.202.100.3/28
>b-but what's the subnet mask???
REEEEEEEEEEEEEEE

>>134508376

Don't worry. The earthquake is coming soon...

>>134500248
It probably does. It's just rare. Just deal with driving 60min to work, live outside the city and you suddenly have an extra 2k every month.

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12KB, 213x243px

Retards like OP image will scrape "by pennies" because they pay $1800/yr to have the latest iPhone, $1200/yr for internet, and $10000/yr insuring and making payments on something fucking retarded like a WRX.

Then they can't feed themselves for anything less than $20/day, they smoke a pack or two a day, drugs, give money to women etc.


People do these fucking retarded things and think they're normal.

>>134496926
Who said his necessities didn't include a cocaine habit? Maybe he sniffs more than you.

>>134509041
>we're all going to be carrying around Zimbabwe dollars.

Oh don't worry, I'll just kill you and take what I want from you when that happens, friend.

>>134497598
Are you claiming daily cocaine use is a habit and not addiction? Nigga you shouldn't even do that shit every weekend.

>>134509405
>>134509824
>self taught IT
>my fucking resume gets dumpstered all the time because i dont want to pay for a certification/degree when i already have work experience that proves i fucking know what im doing
>numerous of contract positions i do land im working under a compsci degree/cert collector who had no fucking idea what he is talking about

>>134510207
Maybe you should get certified then you lazy fuck.

>>134502990
you are a fucking idiot

>>134496926

In the U.S. you have to make a lot of money just to keep away from certain people.

>>134510295
>certified people are having trouble getting hired aswell

Hmm?

>>134510517

Sounds like you should suck less ass at networking with people then. And/or you are terrible at interviews/writing a resume.

>>134509824
Or the network people who don't understand CDIR. Or the software/dev people who don't even understand what an IP address ACTUALLY is. You don't need to start at subnets to trip up most computer people.

>>134510041
Yeah but thats their fault imo. I lived off 800€/month when I went to University and I got by fine.

I now make 80k (groos) from my masters degree and I know that if I get my work visa in the US I end up making 130k with less taxes. I get that rent prices are high and shit but no one asks you to rent in manhattan when you can get a flat in NJ that is half the price.

>>134511377
>I get that rent prices are high and shit but no one asks you to rent in manhattan when you can get a flat in NJ that is half the price.

Oh no, someone figured it out. "but muh Manhattan loft has 15 foot ceilings and is near all of the shows and nightlife" This is why people are broke.

>>134511015

No network person doesn't know CIDR at this point, you must encounter cable chimps or something cause you can't get shit done without knowing CIDR at least a little.

>>134511637
You live in a delicate bubble, sheltered from the harsh realities of human stupidity.

>>134496926
hi spaniard: the reason is we HAVE to drive everywhere here. if you have a metro pass your monthly transportation costs can be 50 EUR. here we'll spend that on tolls alone (add in car payments plus gas)

also, we have A/C which means our electricity bills are always higher than yours

also good food is fucking expensive here

also roommates is more frowned upon outside of the most expensive cities, so unless you want to live with a weirdo you pay more in rent

honestly, i dont know the rest, but i too once made about the same amount of funny money in spain and had cash left over and now i'm fucking broke

>>134511839

No, I just work in networking and know that you can't get anything actually done without knowing CIDR, at least to the point of being able to type it out and match it even for the chimps. You probably deal with "network admins" which are not real network people, just a different name for the windows faggot that tries to do everything.

>>134512000
oh also you can take cheap vacations. we have to spend way more for vacations so we take fewer and overspend on entertainment bullshit in our cities

>>134502422
Because its our country and we fucking love it, despite what people say of spanish beating ourselves up

>>134502765
When you are paying millions for a house the downpayment doesnt matter, literally went to the bank yesterday to talk mortages and told me that

>>134511626
Just use a train to get home. Or don't get drunk and use a car. Maybe sleep over at a friends place. Or rent a a studio flat with airbnb.

People are broke because they are really bad with money and pay insane prices for little to no convenience.