/biz/ - Business & Finance

>>52430556
>It's a meme. When fatties bend over, a lot of the asscheek fat is spreading towards other places, making the holes easier to enter.
based and fatpilled
please tell me more I want to have sex with one of those things
I mean /fit/ can't be wrong right? those guys take roids and hit the gym daily and at their peak they choose to fuck those creatures instead of small and skinny ones like japs. CLEARLY they know something that we are missing out 100% if you look at the history skinny women were bullied

Wow can't believe this thread is still alive.
>>51614418
For most people, retirement is a fantasy, like winning the lottery. They'll retire once they can complete a giant wish list, like a spoiled child asking for Christmas presents.

>Oh, when I retire I'll need $5M so I can have luxuries that are one step above the luxuries I enjoy now.

While I do think some people can get carried away with the miserliness, most people are way too focused on needing some giant fortune. Being retired can be a lot cheaper than working, because it's expensive to be close to jobs. I sold my $270k house in the city and bought a $45k house in the country. No mortgage. That's $1300 a month that I can spend on whatever I want now. On top of that, everything is cheaper here. Groceries, gasoline, the dentist, everything. Oh yeah, almost no black people either.

You do need money, however, and here is my strategy. I have three categories of investments, which I consider low, medium, and high risk/volatility.

>Low risk: Rental houses. I moved into my first house with an FHA loan and 3.5% down. After a couple years, I saved up a 5% conventional down, bought another house and moved into it. Rented out the first one. Repeat as desired. You may think you cannot buy a house as an owner/occupier then rent it out, but my mortgages only required me to live there for one year before being able to rent it. When looking at houses to buy, I aimed to make sure the rent would at least make me cash flow breakeven, before maintenance and vacancies. Which meant in reality, I was somewhat cash flow negative in the first couple years of renting a house out. This sounds bad, but has been overwhelmed by capital appreciation of the houses, and principal reduction in the mortgages.

>Medium risk: Dividend yielding stocks. I've collected enough dividend yielding stock to generate $1k a month in cash flow. Mostly big names, check the dividend aristocrats, although I have some oddballs for yield, like QYLD and ARI.

>>1516018
every time i hear that word i think help but think of pic related

>>1516020
quarterly