>millennials constantly try to live outside their means, i.e.

Minimum wage is going up here soon and prices will skyrocket.

Many Millennial women are brainwashed shopaholics that peddle their arses to the highest bidder to support their addiction.

>>138987171
If you can't afford a 300 dollar phone every 4 or 5 years you fail at life.

>>138987171
Hard to accept going from middle class to poor doing the same job as your parents senpai

People raised middle class dont get taught how to live poor

>>138987265
Try arguing with a millennial girl about how minimum wage increases increase unemployment rates and watch their heads explode. Some of them cannot comprehend such basic economics because they think because their parents paid for everything they live in a world without scarcity.

The real problem is credit culture and the lack of basic education in economics.

>>138987171
>2017
>expects me to live like a Flintstones
but on the other hand I don't want minimum wage raised, it only inxreases taxes and not my income since I don't work minimum

>>138987642
$200 phones are good enough these days

>>138987171
>Are millennials just retarded or what?
yes but it's not entirely their fault, I was raised to respect the words of the eldest in our family, they had time honored wisdom like if you married another poor person you were chastised for not needing any help being broke and the only thing worth borrowing money for was land

so I was unable to be brainwashed entirely by Spinoza style schooling

>>138987655
>Hard to accept going from middle class to poor doing the same job as your parents senpai

our parents had to adapt to an ever evolving work marketplace as well, when regular work was shit they sold drugs or informed on people

File: bossman.jpg (38KB, 400x400px) Image search: [Google]

38KB, 400x400px

>>138987750
Min wage is meme the real issue is land

>>138987825
we need to look at this from a moral point of view, the work of Henry George has never been more relevant

>>138987923
Lol political cartoons are retarded. "They're fighting the wrong person." Yeah I couldn't fucking infer that from the picture.

>>138987923
>the real issue is land
don't forget the regulatory environment that land sits within

>>138987171
>Are millennials just retarded
Nah sounds like you are mate.

I'm 28 and I dont drink.

My phone is a prepaid that just does calls and texts. It doesn't even have a camera.

>>138987750
Or just any girl for that matter. Women don't think, they feel.
As far as they're concerned, good feelings that result from the prospect increased minimum wages will always outweigh the reality of having less purchasing power as a consequence of the higher minimum wage.
The only thing that seems to wake them up from this lunacy is having children.

Sage
>millennial
>drinking alcohol
Embrace the Qu'uran infidel

File: game-design-3-638.jpg (66KB, 638x479px) Image search: [Google]

66KB, 638x479px

>>138988017
glad someone is paying attention

>>138987894
Android is shit

>>138987171

Yeah, this generation is totally the first in human history to want more money because they spend it on stupid shit.

>>138987171
mostly just retarded.
just walk outside and open your eyes, man.

>>138987573
ya gotta let a ho be a ho

>>138987171
Can confirm Millenials are fucking retarded
-Gen Z Anon

>>138988127
I agree. My hypothesis is that children FORCE them to accept the ultimate truth: Scarcity runs society. On a superficial level, they realize they can't feed their kids with "feelings".

>>138988254
kys faggot leaf

>>138988597
Please be merciful when your time comes
-Gen Y anon

>>138988276
>no property rights
fuck off

File: IMG_0146.jpg (82KB, 499x499px) Image search: [Google]

82KB, 499x499px

>>138988862
There will be no mercy. Only vengeance.

>>138987171
Minimum wage isn't the problem it's taxes that are the problem when are you commie boomers going to figure that out

>>138987655
Is that your excuse?

File: 1466788061458.png (419KB, 600x610px) Image search: [Google]

419KB, 600x610px

>>138987923
>muh kulaks
Fuck off commie dwarf

>>138987171
Maybe if we learned something actually valuable in school instead of how many genders there are and the quadratic equation

>>138987642
The problem is they can't keep it for half a year.

>>138987171
Not enough discilpline.
A few months after my Papa passed in 2013 I got to work at a potato farm and money to me didn't mean anything, the most expensive thing I bought myself was the new PS4 and even to this day I save up as much money I can. I was 16 at the time.

>>138989911
I still have my S3 from 2012

File: AnarchismTree09.gif (37KB, 586x378px) Image search: [Google]

37KB, 586x378px

>>138989656
more of an observation than an excuse
>>138989740
Why would you call someone advocating a market based system a commie? Do you know anything about Henry George or the land value tax?

>>138987171
>describing the average millennial American white girls who has the occasional token black or asian friend to tag along

>>138987573
>go to mall
>greenpeace faggot trying to get people to sign some bullshit save the earth petition
>see retarded women with bags full of useless crap signing

>>138990111
Currently on a OnePlus 3T, planning on keeping it as long as it lasts. Replacement will probably be cheaper, I don't feel much for flagships. Been there, done that.

>>138987894
>with a millennial girl about how minimum wa
I paid $20 for a smart phone and does everything I need it to

File: 1502156395180.jpg (194KB, 936x1024px) Image search: [Google]

194KB, 936x1024px

>>138990111
You're also an autist who takes care of your device (as do most of us here), a concept normies have no grasp of.

>>138987923
there is no shortage of cheap land in this country

>>138987171
>>138987171
I make 50k a year living in boston and I STILL can't afford to live anywhere NEAR the city. The problem isn't millenials, it's the rich boomers who are hoarding all the money

>>138987894
Honor 5x master race

>>138991406
>hoarding all the money
"hoarding money" does not cause inflation
Cheap money does

>>138987171
where do you get this money from? Do all of you have limitless credit cards or what?

>>138987171
Symptoms of a diseased society.

File: state_landvalue_v4_900-0ba1-98ea.gif (610KB, 900x641px) Image search: [Google]

610KB, 900x641px

>>138991294

>>138991406
I wouldn't mind it if they were doing it in bullion for their retirement, but that's not what they're doing.
They're using the homes as bullion.
At their old age they'll never get a mortgage, so once they all start liquidating their house they'll find the market crashes.
Meanwhile everyone's using a currency of which the sheer creation represents debt, let alone the actual currency.

I hope I understand economics very poorly.

>>138991644
>Do all of you have limitless credit cards or what?
pretty much
also muh poverty is a meme unless you are a complete fuck up

>>138991644
Working and or getting allowance from Ma and Pa.

>>138991700
you dont need to build an average home in NY or LA

File: 160424_Renter_Census_Data_Simple_Table_v3_US_median_rent_1960-2014_oukpeq.png (66KB, 1000x730px) Image search: [Google]

66KB, 1000x730px

>>138991930

>>138987171
Capitalist consumerism education will lead to a bunch of twats going bankrupt.

So they can ask for more minimum wage money, just for the companies to have the perfect reason to replace people in the mantle of managing just to put some robots and pay less to less people.

File: 160424_Renter_Census_Data_Simple_Table_v3_Income_vs_rent_1960-2014_mh99uz.png (95KB, 1000x727px) Image search: [Google]

95KB, 1000x727px

>>138991930
?

It is retarded how millenials view money in the uk, as soon as they are paid they look to spend it.
I know dozens of people who take like 3 or 4 holidays abroad a year despite being on a shitty wage. They often have no savings whatsoever, I had to pay £600 today to get work done on my car, not a significant amount but enough that several of my friends in the similar circumstances would have to go to mommy and daddy to get the funds.

>>138991231
Yeah.

>>138989449
>Remember when Alistair Darling said VAT would be dropped from 17.5% to 15% (for a year) before being 20% ("for a year") to make up for the drop
>Everyone rejoices about how they'll kit their whole house out and have a month holiday in Barbados with what they save
>Tell them they'll be saving fuck all, but when it changes to 20% they'll notice a big difference
>Tell me I don't know what I'm talking about
>People spend money they don't have because saving £2.50 on a £100 item is a (((bargain)))
>People actually acting like they're in Wonderland
>"Temporary" change of 20% comes into play for 12 months (currently in our sixth year)
>Suddenly everyone is outraged about how much things cost
>4: You didn't listen

>>138987171
>Are millennials just retarded or what?
Some sort of "me generation" screwed the economy and now nobody can afford houses or cars.

>>138992271
speak for yourself

File: ISeg102xtl1dry0000000000.jpg (137KB, 960x668px) Image search: [Google]

137KB, 960x668px

>>138991969
>0.46 acres
>$5,000


https://www.zillow.com/homedetails/1-Cassell-St-Winston-Salem-NC-27127/5777259_zpid/

>>138987171
The three largest expenses and thus the ones to most keep in mind are:
Housing
Transportation
Food
Nearly in that exact order. Meaning, those other expenses don't even come close to these.

>>138987171
Millennials are retarded for all the reasons you provided. They don't understand minimum wage doesn't actually ensure jobs, it just ensures that if they do get a job, they will be paid that minimum amount, they are hypocritical, and their only goal is to appear rich, or cool, or hip amongst their friends,ESPECIALLY 13-16 year old white girls

File: billbo.jpg (44KB, 400x252px) Image search: [Google]

44KB, 400x252px

>>138992370
This was first sold in 1983 for 500 dollars and is now at $5,000

what added the value? Hint it has nothing to do with the owner or his labor

>>138992636
He was smart enough to buy in a growing area
Also inflation

>>138987171
$300 is almost nothing in the greater schemes of things.

Smartphones are pretty essential in the millenial life so it's not that wasteful.
The starbucks coffees, expensive bars and useless shopping stacking up are more of a problem.
This is probably cause millenials have given up on leaving the city environment they live in. If you won't escape, you might as well have more comfort while in it.

>$300 phones

Nigger, no basic bitch would be caught dead with a phone that cheap.

>>138987655
Kek

File: chose this.png (518KB, 656x435px) Image search: [Google]

518KB, 656x435px

>>138992258
>tfw

>>138991700
With or without inflation?

>>138987171
$300 phone is paid over a series of multiple billing cycles, i.e. credit. Coffee an alcohol aren't really expensive per se. Why are you so triggered by someone having a coffee or a beer while on their phone contributing to the economy?

File: rigtwinglpidiots.jpg (41KB, 754x382px) Image search: [Google]

41KB, 754x382px

>>138992740
Inflation at 900% since 83? that sounds ridiculous.

The value increased because the state invested in the area with community tax dollars making those roads that hospital and the highway. But you think its okay for him skim that money off the top?

>>138993181
2014 dollars i think

>>138993224
>the state invested in the area with community tax dollars
like the property tax he has been paying

>>138992168
Same here. All sorts of people, muslims and women are constantly yapping on about their oh so glorious holiday or backpacking tour through some country, while complaining they can't afford to service their car.
Meanwhile I'm sitting on €15k for no reason other than living frugally, and spending big in short bursts to ensure I only have to spend it once on a product.
Conputers for instance, people buy macs and replace them year after year. They try flogging the old one off but a couple hundred duyten lost every year isn't ideal.
Meanwhile I spent $1,5k on computer components and built one myself, which is still going strong and does everything I want it to 5 years later. Arguably, another 5 years down the road too if I stick a new GPU in there.

I don't know what it is. Maybe because I wanted all the consoles when I was a kid and had to learn to budget, prioritise frugality and research all the products so I could choose wisely. Even went as far as checking the availability of modchips to see how many games could be downloaded and burned on discs.
That would be like researching all the airlines, all the aircraft and calculating for yourself which one is the best at any given price and time spent depending on the service and leg room.
I know nobody who does that. "Just buy all the things, there's more money next month!"

Such a waste.

>>138992764
Where are the jobs?

>>138993312
he hasnt built anything on that land so he hasnt been paying shit until recently look at the tax history

The system we have in place incentives this sort of unproductive activity. In an LVT system if this plot went unused it would be a net loss

>>138987171
>$300 phone
>essential communication, navigation and computing device that is good for 3+ years easily
>can be paid interest-free over two years if you want
>outside their means

how fucking poor are you?
employers want you to be able to answer email, calls, and text 24/7
tell someone that you don't have google maps and they look like you are crazy
I have a J3 Prime for $150, $300 is still nothing
no one shops at malls anymore except the handful of high-end ones in certain parts of the country

>retard fuck coworker married young
>government throws money at them to buy their house
>since they are married with kids they only get taxed like 10% + two income + other bonuses just because

>me, single
>taxed at 40%
>can barely afford rent + food
>can't get gf because poor
>Haha anon we went to Dubai also here is my new mercedes, haha, how is life for young folk?

I fucking hate my country

>>138993333
mostly in the city though they aren't always that great.

Nice quads.

>>138993449
>In an LVT system
we already have property taxes
I would be fine with only have property taxes if it meant only property owners could vote

>>138987171
The phone isn't what costs it's the data plan, and most people subside on fourty dollar plans
You NEED a smartphone if you want to get a job because mostly everything that pays a fucking cent requires you to have constant info access
>Listing fucking food places
What?
This is like listing Sonic's drive through as a reason for how much money boomers make
>Malls
People don't go to malls anymore
They shop online
For cheaper and better
It isn't the 90's anymore
>Minimum wage needs to be raised
Okay, that in itself is stupid, I agree
Don't expect to raise a family by working at McDonald's you dumbfuck you should have either wrapped up or shaped up your life to not have needed McDonald's as your main source of pay later on in life
Don't start a family until you are CERTAIN you are financially stable
Don't fuck or be careful you fucking idiots
That's literally all
If you can't start a family DONT

>>138987171
i live outside my means because i don't care abou the future, i plan on killing myself once i'm done with my degree

>>138987171
>implying most boomers didn't live outside their means
>debt problem in America is totally a new thing for millenials
>what is OP?

>>138987171
Millennials want what boomers had, but boomers fucked the economy and society up so bad that Millennials can't have decent jobs, houses, or progress in society.

If you see a millennial with these things, it's usually largely due to family assistance.

>>138992168
It's the same here in the states. It's absolutely terrifying how many of my peers have no fucking savings. At times it appears that they're in a race to accumulate as much debt as possible and then hope that somehow they'll be saved by "debt forgiveness. "

And yet there are articles claiming millenials are destroying cable companies and buffalo wild wings.

They can't make up their minds on their own narrative.

>>138992370
You only need to drive the length of a baltic state to work, and spend a fortune on utilities and keeping the land clean or the government fines your ass

File: TkkrWa5.jpg (54KB, 640x480px) Image search: [Google]

54KB, 640x480px

>>138993700
LVT would/should replace all other forms of taxation

>>138987655
I was raised middle class even though we were poor because my dad was old as fuck and retired and pension money is trash
Like 10 years ago he ran a tortilla business in Mexico and that was our main income
Had the IRS found out we'd be fucked as fuck
I mean come on
Unregistered, FOREIGN, food business with direct selling in a different country bringing over the money?
He'd be in jail
We weren't rich, we just budgeted alot
Which means unlike every other dumbass snarky
>MY DAD IS CONSTABTLY MOVING WAAH I HAVE TO LEAVE MY FRIENDS BEHIND BECAUSE WE KEEP RENTING HOUSES
faggot, I stayed in the same house all my life
Also helped we never payed for repairs of anything because the whole family was carpentry, plumbing, electrician, etc.
Except me
I'm a lawyer
Fuck the labor market, it's not profitable as it was in the 90's when my dad worked

>>138993703
>People don't go to malls anymore
Only 56% countries say this, because their malls are full of noga and muslims

File: 1479997327686.png (564KB, 636x783px) Image search: [Google]

564KB, 636x783px

Im 27 and I live well below my means. Saved up money to buy a house, saved up money to get married, save up money to make white children soon.
#notallmillenials

>>138993742
You're going to hell

>>138994124
i dont think you know what middle class means senpai and i really dont see how your personal experience relates at all to what i posted

but im glad you feel good about yourself and your hardwork

>>138988597
you fucks are worse

>>138994084
Ok but then would you be ok with only property owners voting?

>>138994216
I doubt that. I don't think there is a hell

>>138987171
the phones are the worst part
no fucking high schooler had a $80 payment every month and a $800 brand new device that is just a "oh whoopsie" when it gets smashed

>>138993333
Overseas, but remember, just give a firm handshake!

File: taxcheat.jpg (112KB, 450x300px) Image search: [Google]

112KB, 450x300px

>>138994438
no because unlike the current scheme with an LVT the poor wouldn't be able to "vote themselves a raise" also the wealthy wouldnt be able to avoid the tax

pic related is someone trying to evade paying LVT

>>138994303
Sure thing Paco.

>>138993319
>and spending big in short bursts to ensure I only have to spend it once on a product.
Good man. Buy once, cry once. It's just a shame that it's harder to find good quality products these days since fucking everything is Chinese garbage.

On the topic of computers, I've recently been convinced to explore crypto coin mining, or rather selling processing power as part of a pool of miners. I'll need to assess its profitability after a few months of trying it, but I'll consider it a win if it generates enough to cover the cost of the extra electricity consumption and fund the purchase of an upgraded graphics card every few years.

>>138993558
Marry an ugly chick for the benefits then divorce once you have your life in order.

>>138994654
>poor wouldn't be able to "vote themselves a raise"
why wouldn't they be able to?

>>138994769
I'm not a godless atheist, jew or a woman, so no, but good idea

File: 1498177464099.png (247KB, 540x434px) Image search: [Google]

247KB, 540x434px

>>138987171
Fuck you.
I have a base model samsung galaxy
I eat beans, potatoes, rice, and frozen veggies for nearly every single meal
I only use the cheapest of foreskins to make my coffee
I wear old Academy outdoor clothing nearly everywhere
I torrent every damn thing I can
I

stfu boomer nigger. all i want is to play video games and buy pokemon and yugioh cards. its hard to do that when every job gives me a retarded schedule and offers 0 promotion.

>>138994977
It has actually never been easier to find a top tier wife

>>138987171
My last phone was $800... what the hell is a $300 phone? eBay turd?

File: meme.jpg (53KB, 596x780px) Image search: [Google]

53KB, 596x780px

>>138994899
Saying they couldnt might be a stretch but under a LVT they wouldnt need to because inequity would all but disapear in a couple generation

but don't take my word for it though have a listen to Nobel prize winning economist Joseph Stiglitz

https://www.youtube.com/watch?v=Fg6UwAQJUVo

People don't know what it's like to actually struggle anymore. Another real war would unironically do a lot of good for the west

>>138987171
Why are you fags not interested in the biggest happening of all time?
>>138983786 .

>>138994977
I meant as an agreement, you don't want to trick a bitch. In that case you're only left with actually bettering yourself and talking with girls, good luck lad.

>>138994462
There is, and people who kill themselves go there (unless you are a Christian)

>>138995366
>inequity would all but disapear in a couple generation
How is a LVT going to stop poor people from doing drugs and getting knocked up?

>>138990111
S4 fag here. I had an S3 until last year then I tried to replace the battery with some $10 shit on amazon. My phone was hot since it was 110 and I went to recharge it and fried the whole thing

>>138987171
No jobs.

File: 1503677354176.jpg (194KB, 1085x947px) Image search: [Google]

194KB, 1085x947px

>>138987894
>buy one of those prepaid phones for as low as 30$
>is good enough

The truth is you can't Nickel and dime forever though. % in bank savings are shit they dont have much options but yes I think we need a bit more budget tightening. Shits really bad.

>>138995611
why do you assume the root of poverty is drug use and children? We have had advancing poverty in the face of increasing productivity for a very very long time.

My feeling is that its rooted in the state granted land monopolies set up hundreds of years ago as monarchies went out of style

>>138987171
>having $300 phone
how is that a lot for murikkka?

File: kAZApan.png (632KB, 997x568px) Image search: [Google]

632KB, 997x568px

>>138992370
this is what some meme land near the highway costs in my town

>millennials
>implying
https://www.cbsnews.com/news/most-americans-cant-afford-a-500-emergency-expense/

Generalizations based on generations are incredibly fucking dense things. Any generalizations you can make about one can also be applied to the generations it raised/was raised by.

Americans in general are fucking retarded with money that isn't going towards a downpayment fund or a mortgage.

>>138987171
Anything of seriously value is being phased out of ownership and being replaced with debt or renting.

70 years ago a house could be paid off in 5 years of work at a blue collar job. Now a house is 30 years of work at a blue collar job. 70 years ago a university education could be paid for with a summer job (in fact that's exactly what my great grandfather did), now it takes up to 10 years after receiving your diploma. A new car 70 years ago could be paid off in a year. Now a new car is a 5-10 year investment.

Faced with those odds, to avoid bankruptcy should something go wrong, most are shuffled out of ownership and towards rent, leaving them even worse off than ever. Real wages have stagnated, and costs of the most valuable things have inflated massively due to the availability of loan capital. Millenials don't understand why that happened however, they just think that they are getting screwed by their boss, which is not the case: they are getting screwed by interest tithes paid to financial capitalists.

>>138993703
You have it backwards at the end. You should marry sooner to abuse the benefits. Being single is a mistake.

>>138996166
It's not, if you get a few years out of the thing.
You're better off buying things like that than any other vices, honestly. It's an investment to keep your ass busy so you're not tempted to go down to starbucks every day.

>>138994462
Statistically you're right.
>>138995599
Statistically wrong.

Play the odds.

>>138987171
We grew up slower than inflation.

>>138996537
>news report a few days ago that 70-80% of Americans live paycheck to paycheck including families in 6 figure salaries
But they yell and ree about millenials accepting there's no hope and splurging.

>>138996548
My cousin tried to tell me how renting a house was always cheaper than owning it and how she had some math formula to prove it.

She is also some poor as fuck grad student who is planning on moving in a few years and has never owned a home. I tried to tell her mathematically the jews want $1200 for a 1k square foot apartment whereas I pay 300 a month in property taxes for my own home and like 400 in utilities

>>138997058
most people want to live beyond their means those 6 figure fags probably have a country club membership or something burning money

>Rack up the national debt
>Send manufacturing jobs overseas
>Subsidize student loans to inflate the cost of schooling
>Issue visas for educated foreigners to pay less
>Buy and resell houses to inflate the cost of housing
>Open national borders and allow millions of competing immigrants in to lower wages
>Why can't you live within your means?

Well at least they're are almost dead.

>>138997058
It's how the world is, yeah? Everyone's shit stinks, except for mine.

>work shitty walmart job
>same one as my dad
>when he started in the 90's you could get raises based on how well you worked
>also double pay on Sundays
>within a couple of years he is a dept. Manager making almost 18$ an hour
>great work ethic, loves his job and works plenty of overtime
>Sam Walton dies
>his kids sell off the company to board members
>new management is brought in
>they cut staffing to ribbons
>get rid of current dept managers and replace them with 20 somethings that will do the job for a little over minimum wage
>get rid of merit raises, now you get one 20 cent raise a year, whether you're the best worker or the worst
>now I work the same position he started in (truck unloader) except they doubled the workload and cut the team in half
I dunno, it sucks to work here but they have the best wages for untrained workers, and I don't really gave a choice since my mom charges me a shit ton in rent

>>138987171
>£300 phone
>Average weekly wage equates to a phone
How much glue did your mother huff?

>>138996733
2 years monthly payment is best, at least here the warranty for Samsungs is 2 years

>>138987171
>Claims this is all millennials
>Is actually only the female children of the upper middle class
>Will be the recipients of their parents handouts and trust funds.
>The ones that will go to college and major in feminist dance therapy and intersectional African decolonized-science
>Simultaneously think they are better than everyone, are sluts, and that people should not hold that against them.
>Will be given posh jobs at Google and other diversity/inclusion minded companies solely due to their vagina power.
>Will never have successful families lives
>Starbucks

How does this represent the whole of my generation again? Especially the working class, chronically unemployed, poor, male, rural, or Christian segments of the population?

>>138997329
>TFW I also splurge but it's on books so I tell myself it's better than THOSE people but it's still splurging so I'm no better
Hell arguably worse since there's no jobs here for anyone. Feels shit man.
>no gun to blow brains out
(@_@ )

File: LeftismAndCrime.jpg (151KB, 950x950px) Image search: [Google]

151KB, 950x950px

>>138987171
>Are millennials just retarded or what?
Yes, they are fucking stupid.
No intelligent person who doesn't also have some kind of massive personality issue can possibly believe in liberalism. It's the ideology of retards, which is why pretty much every nigger, spic, kike, chink, gook, wagon-burner, and towel-head is a fucking liberal.
Lots of liberalism among millennials and liberalism is a one-to-one match with being a useless parasite destroying civilization.

>>138987171
I used to sell kitchens and bathrooms. 6k minimum for a decent fitted bathroom, more expensive for fitted kitchen. Boomers are more than happy to take out finance for 20k+ to renovate 2 rooms in a 150k house. Are they just retarded or what?

>>138993558
That's because your government wants to increase birth rates. But yeah 40% is a lot.

>>138988126
Same. I buy new clothes once or twice a year and don't eat out. No car payment because I own my car. Somehow I am able to save tons of money while my dipshit friends struggle to live paycheck to paycheck.

>>138993460
kek yeah, overspending when you're poor is dumb but phones are no longer just gossip novelties used by girl with valley girl accents, not knowing tech is almost becoming the new not knowing how to read, for any little fucking thing you need email, there are way worse uses of money

but, OP wants to be a massive retard and no one can stop him

>>138987171
This is me and I'm conscious of it and fucking hate it. I impulsively buy everything and fell for the credit meme. I constantly bitch about moving into my own apartment, but can't because I keep putting myself in so much debt I can't afford it, even though I make more then enough money to.

Why am I like this.

File: 1503049034326.png (1MB, 1497x800px) Image search: [Google]

1MB, 1497x800px

>>138997802
fucking Maine and the northeast in general
the jews really have a stronghold there.

>>138987750
Wouldn't lowering the taxes and uping minimum wage counter act that or will jews be jews?

File: 1487707928984.jpg (40KB, 477x338px) Image search: [Google]

40KB, 477x338px

>tfw minimalist hikki neet lifestyle and purchase habits
>only hobbies are anime, vidya and doggo, 2 of which basically cost nothing at all
>basically part of a fringe population that is so small they're not even seen as existent
>constantly discriminated against and harassed
>I am a fucking white male

>>138998044
I used to have this, now I constantly roleplay as if I'm jewish.

>>138998423
Why would they ever lower taxes? That would mean the government needs to shrink and become efficient. Not happening ever!
>the government workers here have only 4 hours of productivity
Feels bad man this liberal hell hole is driving everyone out.
>get your degree and leave
We don't have any other choice. Soon as I finish I'm crossing the sea.

>>138988060
pol cartoons used to be smarter decades ago. Although the avg person is a little smarter than back then, the avg reader of political cartoons is dumber than back then. Because these days non-elite minds read newspapers and facebook posts

>>138987171
this is only true for nocoiners OP

>>138992475
Don't try to live in an expensive trendy area because that's where all your dumb friends want to live amongst all the "artists".
Don't buy a brand new car because you think it'll help you pull or because you wouldn't be caught dead in a beater.
Learn to cook with fresh ingredients, fuck of with all the trendy diet and organic foods, and stop eating all your money on alcohol.

What is it with the millennial boogeyman obsession? Baby boomers are far worse when it comes to living outside their means, they literally caused a financial collapse buying houses they couldn't afford. The generation before the boomers caused a great depression buying shit they couldn't afford like cars.

>>138987171
My girlfriends the exact same, gets a flashy new icunt every year on credit, clothes shopping constantly and wastes it on stupid shit.
>yet she wonders why i always have spare money
Clothes are fine i dont need new ones yet especially not £100 branded fucking pants.
My s6 has been fine for years and will still do me fine for another few so no new phone here and there
40p asda instant coffee is fucking don, no need for £7 pumpkin spiced anal latte
She even fell for the fucking apple pen.
>she gives great sucky though so things will work out

>>138999659
Is there anything wrong with buying a new car if you just want to keep it running for a while. My family always bought a new car every 10-15 years and said it was not worth the hassle of inspecting used cars

File: 1503635075037.jpg (271KB, 1852x1022px) Image search: [Google]

271KB, 1852x1022px

>>138999860
>saw a 200$ pre dirtied pair of jeans in the mall
Mfw

>>138987171
Your minimum wage is a fucking joke
"Muh free market"
Why does every amerigun suck the dick of big corporations and companies?
You really think business can't afford to pay their employees more? What a joke.

>>139000081
Exactly my point.
And yet some silly cunt will swallow them right up because...
>Well its cool right?
>hang on lets see if there on cuckbook 1st
>oh yeah some nobody facebook famous idiot says there are so get em quick!!!!
What a bargain!

>>138999661
Basically this. It's hysterical how much shit millennials get when they are largely the victims of unparalleled niggerdry from

>>138987171
>300$ phones
My phone cost 900$

>>138997350
>mother charging you rent in a house she didnt pay for

>>139000298
OK LETS MAKE THE MININMUM WAGE A MILLION POUNDS AN HOUR

>>139000614
>how to waste 900$: the post
found the spoiled millenial brat

>>138987171
i think deep down inside millenials know their future is getting sold out and fucked, spending outside their limits is the least of their worries over the necessary HELL that they will have to bring because of the former

>>139000860
Poor people are hilarious

>>139000614
Honor 6X>

>spending money on $300 smartphones and $3 coffees from Starbucks is the reason millennials are pouring into cities because the only decent jobs are there where schlomo is jacking up rents to the point where he steals 60% of your income and shitbox starter homes never go below $500k

yeahhhhh nooooo

>>138989260
>muh freedom
>muh human rights
People should have no rights or freedom of any kind, and only the rulers should be allowed to have private property.

>>138997350
why the FUCK are you working at walmart? you should be spending all of your free time sending out resumes to work as some sort of technician in a trade industry instead of cucking for a globalist piece of shit company.
at least enroll in trade school or something, holy shit.

Videogames taught me to live cheap desu. My only vice is heavy alcohol consumption.

>>138987171
Wow. Buying clothes and drinks? They should be crucified!
How cucked are you, boomer?

File: 080.jpg (28KB, 550x633px) Image search: [Google]

28KB, 550x633px

>>138987171
I know you're just memeing but you got me.

I have a smartphone from 2012. It's 5 years old and it still works fine. It's the only one I've ever owned.

I've been wearing the same 8 t-shirts since 2010.

I don't go out to eat except as a rare treat. I got a pizza last month, that was a big splurge for me.

I can't find work. I made $18000 last year, on track to make even less this year.

there's no work. i'm not spending shit.

>>138992258
Amen to that

>>139001824
Where do you live?
It sounds like you want to work.
If I were you I'd move.

>>139001360
muh neo-feudalism

>>139001824
Also I'm going to order pizza now.
Thanks for the idea anon.

>>138993319
Experience currency vs. Actual currency. It's a choice.

>>138987642
>every 4 or 5 years
ayy lmao those cunts are buying 600$ phones every year

Tell me again how it's not just a problem with women? Literally companies are going out of business because millennial men save their money rather than spending.

>>138987171

The Dali Lama once said that objects are meant to be used, people are meant to be loved, and of the evil in the world comes from people confusing these two realities. Looking at how materialistic melenials are, He might be onto something. After all, they use their own bodies as meet objects of pleasure, which is why so many melenials are fat and have STDs.

>>138987171
I make a little less than 14 dollars an hour.

And I don't spend a single cent on my self, last time I splurged on myself I bought 12 dollars worth of liquor. I spend my money on bills, gas, and food then save my money for my wife and me for us to have white children.

Last time I bought an article of clothing was 6 months ago and they were 3 dollar socks. I have one shirt, one pair of shorts, one pair of khaki's, and a button up. Three shoes, I know I must be spoiled right? One for work, one for interviews, and one for neither of those situations.I'm sick of motherfucking boomers, we are picking up the slack for you fucks and we're still fucked. I wish we could rename the boomer generation to something more fitting maybe the lazy spoiled fat generation?

>>138987171
$300 for a phone is not expensive nowadays.

Jews have us by the balls with their debt and credit economy.

>being poor in 2017
Spoiler alert: everybody worth saving is already rich. If you aren't by now, your genes failed and you will not be spared when the helicopter rides start.

>>138987171
you can't get a job without a smartphone these days as employers think that you should be working all the time, even if you're not being paid for it.

>>138996619
This is so true. What was the average of marriage 40 years ago? Like 22? Delayed marriage is a big issue.

File: 1502202498393.jpg (46KB, 616x960px) Image search: [Google]

46KB, 616x960px

>have part time min wage job
>buy new iphone every year
>own a motorcycle and a car
>take a trip every summer
>still save money
28 living with mommy btw. Wakey wakey rentcucks

>make around 15k dollars per year.
>considered poverty here
>buy whatever new gadget that i want
>expensive food
>have a 3 room apartment. solo.
>not even trying to live frugal and still feel i have way much more money than i need.

GET ON MY LEVEL YOU FUCKING PLEBS.

They've never been taught proper finance management. It's just called being shit with your money.

>>139004852
3 room or 3 bedroom?

>>139004852
At 15k a year, most plebs are actually doing better than you technically.

It sounds like you could make a lot more if you wanted. Why not do this and invest all of it?

>>139004852
sure thing

>he dosent spend 75% of his budget on alcohol
fucking fags

File: Screen Shot 2017-08-23 at 08.20.08.png (373KB, 554x582px) Image search: [Google]

373KB, 554x582px

Typical "young professional" normie here

have 1 grand in my account, 1 grand on credit card

going on holiday next week

earn 2 grand a month , worked for over 2 years

I bought 3 smartphones this year because new one came out

>>139005166
more like 110%

i am a part time wagie part time student moved out of my parents into a place with some housemates, i make enough to pay my rent but i dont save much. when i havw extra scratch i sperg on musical instruments and gear that i want. feelsbadman, i'm a retard

>>139005041
then how come all i hear nowadays are people making at least 3x the amount, bitch and whine how poor they are?

elaborate.

>>139005244
Atypical "Young professional" normie here

have 70-ish grand in my account, 0 credit cards

going on holiday next week

Earn 30 grand a month , worked from january to first week of april this year.

Payed off my house this year.

Government contractor, gotta love it.

$300 phone is like 2 days of work at McDonalds'.

>>138990111
the first smart phone i ever bought was a S4. I had a free upgrade for years but i never felt like doing it. I finally got with the times and I still have that phone.

>>139006303
oh so you are a fucking leech off the taxpayers got it.

kill yourself

>>138987171
>Real wages stay stagnant for years while productivity increases
>housing prices/commodities/... keep steadily rising
>retarded /pol/tards reagan cocksuckers will still believe in "muh trickle down" while those struggling multimillionaires get another tax cut

my sides are literally in orbit :^)

What is there to spend money on? Most movies and games suck. Bars and clubs suck. Gambling sucks. Technology doesn't progress quickly enough to justify buying new shit every year.

I guess most millennials aren't curmudgeons like I am.

>>138987171

>300 dollar phone

You really think any of these kids would do that without feeling completely embarrassed? These cucks spend like 700-1200 on phones at least.

>>138988276
basically my view on things

50% of the cost of a house here is the land

the average mortgage term is 35 years and the for a normal family home outside of london (min £200,000) it would take the entire AVERAGE wage worker about 10 entire years of income to pay off - that's without them having rent, food or other taxes.

at the average wage of around £26k, income tax is about £6k, rent (shared appt) is about £5k, food (miserly, home cooked) is £1k, council tax is £1k, monthly bills (insurance + gas + electric + internet) are £2k, transport is around £1k by public transport

leaving you with about £8k per year of disposable/saveable income

so it's still going to take you 25 years to save up just the base amount for your mortgage, if you live like a total miser and somehow have a £26k job after school

>>138987171
>300 dollar phone
the new samsung phone is like 900 USD.
Iphones generally cost around 600

>>139006441
you believe that you can make 40k a year at mcd?

File: millennials-killing-things-collage.jpg (163KB, 768x1024px) Image search: [Google]

163KB, 768x1024px

>>138987171
>millenials ruining malls with online shopping
>millenials shopping too much at malls
>millenials ruined the beer industry
>millenials are going with craft breweries over national brands

Jesus fuck can we just kill off the old people? You're all slowing us down

File: B35D0C47-9641-4DB2-8E08-A3DAD63085C0-2782-000002072A180456.png (18KB, 280x280px) Image search: [Google]

18KB, 280x280px

>>138991231
>implying normies haven't infected every inch of this board
>delusionally believing this thread isn't 80% normies
Kek

>>139007102
We're not falling for every Jewish psyop

>>139007275
real iphones (plus models) will probably be about 1000 dollars at least , will see in a couple of weeks

will still sell like hot cakes

>>139006593
I provide critical services at a lower total cost than a full time government employee.
I save the taxpayer money.

Now you kys.

File: 12353453.jpg (300KB, 640x657px) Image search: [Google]

300KB, 640x657px

>>138987171
Fake news.

>>138987171
>implying I don't have a 723$ phone

>>138987917
>our parents had to adapt to an ever evolving work marketplace as well, when regular work was shit they sold drugs or informed on people

Wrong. My parents were unionised and drove garbage trucks, now they are retired after 30 years with full pensions which are not offered any more.

>>139008555
Digits confirm.
>>139006593
Herpy derpie meme hippie BTFO

>>138987171
Symptom of being told you're special all the time and that everybody is the same. The thought that "maybe I can't afford the same lifestyle" never occurs because "we're all the same" and "I'm special so I won't go into debt like those losers." Plus it feels bad to admit that maybe you're not as good/successful as you think you are and we're all about feelings now,,so why think about things that make you feel bad?

>>139007619
millennials are lazy sure but we dont want to be. tell me where i can find work and ill do it. but i cant afford nfl tickets or pricy wine on a shit wage

>>139009060
Why don't you take the initiative to FIND work instead of asking for someone else to do it for you. No wonder you're poor.

>>139009060
Google unemployment % by state.
Sort from lowest to highest.
Choose nice sized city from any of the top 3 states.
Start sending applications.

>The unemployed people in the states with the lowest unemployment are unemployed because they want to be.

>There are more jobs than people to fill them in those states.

>Stop being a pussy and make a positive change in your life.

I live in a country where all people are trying to leave outside of their means. They also brag about all the shit they buy like it's nothing to them even though the majority of them take out bank loans to buy a second hand car.

>>139009810
Car loans are a trap for the poor and even the middle class.