/biz/ - Business & Finance

>>10140543
>food
>10-15$ a day
no.

>assuming you live until $60
what is this in human years

>>10140557
>eating on a dollar a day

The state of america.

Or just a consistent income of $8000 a year

>>10140557
If you can get by on less I want to hear your wisdom anon

>>10140557
I know...easily 25-30/day

>>10140543
>apartment 500 a month
Make that 850 a month for a cuckshed if you live in California/NJ/NY

>>10140543
>10-15 per day
Are you fucking with me?

What >>10140557 said. $10-$15 food budget is for closers.

Also your bills should be halved because you're sharing them with a room mate.

Also you didn't include investment return or inflation impacts in your calculations, proving that you are barely qualified to work at McDonalds.

>>10140543
>$500/month apartment
WHERE???
HOW DOES YOUR RENT NOT INCREASE EVERY SIX MONTHS??? REEEEEEEEEE

>>10140543
>>10140557
This OP you're fucking up
https://cookbooks.leannebrown.com/good-and-cheap.pdf
Eat well for $4 a day

OP has an IQ below 60 and yet figured out how to browse the web. Bravo

>>10140543
You are like little babby, watch this
>implying you were going to get a nutrient rich diet anyway
http://grocery.harristeeter.com/pd/Harris-Teeter/Rigatoni/16-oz/072036240255/

What about inflation, you know nothing, keep wageslaving goy!

>>10140543
you forgot to add the food which is 300-400 a month according to 10-15 a day

Also where are you getting a 500/month apartment?

Also what about car insurance,gas, or bus pass, phone bill

>>10140543
>not living in a van

>>10140701
Jesus that looks comfy

>>10140746
what about the toilet?

>>10140576
>14 egg whites
>frozen vegetables
>2 avocados
>1 cup of oatmeal
>4 oz canned pumpkin
>10 oz of chx ($1.99 / lb)
>half can of beans
>3 oz of granola

thats literally like MAYBE $6, and its healthy af

>>10140793
>2 avocados
>canned pumpkin
Nigger you best be shitting me, that shit ain't cheap

>>10140804
can of pumpkin 99 cents with the grocery brand
avocados are $1 a piece or less if you buy from sams club, etc

>>10140763
those little silver bags hanging up

>>10140543
why don't you just kill yourself if you don't intend on doing anything with your life?

>>10140543
Kek I spend more than $665/mo just on uber and bar tabs are people on this board seriously this fucking poor?

>>10140941
epic life xDDDD
being drunk is so BASED xDDDDDDD

>>10140746
https://www.youtube.com/watch?v=krzU8Zj0HvE

>>10140793
I really doubt you eat canned pumpkin you disingenuous fucking faggot

>maybe $6
You're not very good at math are you?

>>10140557
I can easily spend $25-$30 a day on food, and that's not even going to a sit down restaurant

>>10140793
>thats literally like MAYBE $6

>>10140557
>not using the charlie method

>>10141063
Learn to shop retard. Smart money here

>>10141079
heres the trick to saving money; you literally dont go to restaurants or bars

>you are welcome

I probably spend less than $5/day for food.

Wake up late NEET style, eating a tea and some biscuits making a breakfast and launch togheter.
Pasta with zucchini for dinner, for example today.
Fruit if I'm hungry during the day/night
Water.

>>10141232
Eating canned not fresh produce isn't smart.

>>10141285
y fagit

>>10141232
you don't eat that raw. you have that left over from thanksgiving for pumpkin pies.

>>10141335
i mix it with oatmeal (which I cook w/ water) fuck face

>>10140576
buy a slow cooker or use an oven. I like slow cooker because i bought a massive one

make lentils, or chicken, or pot roast in said slowcooker in bulk. Buy cheap ziplock bags and freeze portions. Take out a bag/2 a day and throw in microwave to defrost

For breakfast, buy bulk oats from wholefoods at a dollar a pound, great with milk and some sugar
scout stores for sales on eggs.

Overall you'll probably end up spending 4-7 dollars max depending on if you can get shit on sale

>>10141316
can't imagine what your shit looks like, eating canned pumpkin and 14 eggs every day

>>10141349
im in the bathroom for approximately 30 seconds, my fiber high af

get on my level and start lifting

>>10141360
first of all, you're not eating 14 eggs a day

and at best, you eat 10oz of chicken

your daily protein intake is probably less than 100g

you're never gonna make it

>>10141379
im literally not taking pictures of egg shells for you kike shill

haha grain-fed idiots ITT

>>10141384
I'm a kike shill because you're lying about your daily diet to impress strangers on a Botswanian rock stacking forum?

>>10141416

>>10141416
14 eggs isn't shit pussy especially if you just drink them down quickly

>>10140587
colorado is around $1000 now for a shithole 1 bed apartment these days on the lowend.

>>10141261
heres a trick i learned:

food doesnt taste good if its not made professionally at a restaurant

>live with mommy in big nice home with a pool.
>free food.
>cooks for me, cleans for me.
>zero debt, zero expenses.
>all of my money is invested.
>mom gives me money to buy vidya whenever I want

Feelsgoodman. Im also holding 3k OMG and have a lot of money in top stocks like nivida and Amazon. NEET master race forever. Wagecucks will never make it.

>>10141477
what a good consumerist goy

>>10140598
>room mate

>>10141510
Kek, this

>>10141488
not to mention cooking takes hours of work and cleaning dishes and shit

its a hassle

seriously fuck cooking that shit should be something you pay for other people to do

>>10140587
i live in south florida you cant get a 1 bedroom under 1000$

a room in someone elses house you get for like 600$ maybe but thats in someone elses home

>>10141488
>calls people consumerist for eating at restaurants
>advocates buying food from the supermarket

try living in liberal hell hold. I live in MA and make $15k/m, but >40% goes to taxes, $1100 for housing, $500+ for food, end up only saving around $70k/year where I should be able to put away 6 figures my income.

>>10141756
>and make $15k/m,

poor guy

try me being a neet with 0 income

>>10141756
>$15k/m

what do you do for a living

>>10141770
that's pretty much average in blue state cities. but good luck saving over 50% of that

>>10141796
>pretty much average
>still doesnt tell me what he does for a living

because i would still be making 0$ if i lived in massechusets and at best minimum wage

>>10141796
The average is less than half that before tax. $6275
https://www.deptofnumbers.com/income/massachusetts/boston/

>>10140576
$1 cheeseburger at McDonald's plus a free burger from taking the survey on the receipt.

>>10141855

median household is not comparable to average full time...

>>10141804
Law, medicine, software, he could be lots of things.

>>10141804
*throws you back in your cage*

>>10140543
$15 can buy you a lot of beans and rice, boy. Also, learn to take showers like a Navy sailor and don't flush the toilet unless it's shit.

>>10140793
Avocados sour is season are $2 each in their own, where the fuck are you shopping to get this for $6

>>10140960
Someone's jealous

>>10140763
You have a hatch built in the back. Just go for a little drive, take a dump and quickly drive off.

>>10140543
>50k a year
Half of all Americans make less than $15 an hour. That's fucked.

>>10141796
>the average in blue state cities
Yeah it's literally a small enclave of rich fucks that only got their jobs through their connections. I'm a millennial and everyone my age in NYC only has a job because of rich parents and their inherent social crowd. It's literally that and poor people that only make $12 an hour. I gave up on nyc a long time ago. I'm well educated and applied to like 700 jobs and couldn't get shit. Fuck that communist hell hole.

> Nobody has noticed that OP's budget is actually 950-1100 a month not 660-665.

None of you are going to make it

>>10142893
Wtf are you on you dumb ass motherfucker

>>10142891
>I'm a millennial and everyone my age in NYC only has a job because of rich parents and their inherent social crowd.
cope. if you were actually well educated and applied to "700 jobs" you'd easily have a job by now. you either did poorly at a garbage no name university or majored in something useless like art history.

>>10142930
I have an Accounting/Finance degree you fucking nogger. And coding skills. AND a firm handshake.

>>10142916
> Food 10-15 a day
> Only 1 day in a month

>>10141955
This

>>10140543
>food 10-15 per day

I eat at chipotle every day and get all my calories in one meal for $7. Get creative N I G G A

>>10142943
>>10142930
ya if you were really smart you would have jumped through hoops after having jumped through hoops that were positioned in front of more hoops so that you could get to the hoops at the end of the hoopchain....poorfag

>>10142947
Wouldn't that be 10 to 15 to the power of 30 for avg days in month? That's like so much money for pizza.

Boomers will only live another 30-40 years if they play it safe, not 60 years

>>10142962
>do well on SAT. easy because most high school kids are tards who take it blind
>go to whatever school you want that offers you a full ride
>major in stem or business
>???
>profit
yeah sure seems like a lot of hoops to jump through

1. Inflation
2. You spend more, not less, as you age

Make more money is answer.

>>10140630
>>10140630
>https://cookbooks.leannebrown.com/good-and-cheap.pdf
based

>>10140587
Not including NYC, where I pay 3000 for a 2br half a block away from the projects. Not to mention the place is old, tiny, and falling apart. How tf does anyone afford anything in this city?

>>10140543
>Food: $10-15 per day
>Apt. Rental: $500 per month

RIP anon, that's like 6-10x what I pay.

>Live in the Philippines
>Can eat at places where everything costs less than $1 pic related
>Rent a 2-floor apartment with 2 bedrooms, a separate kitchen, living room, and separate shower and bathroom for $85, pic related (lower portion)
> Exchange rate is $1 = PhP53.36

Using your computation:
>Food: $3 per day
>Apt. Rental: $85 per month
>Electricity: $50 per month
>Water: $10 per month
>Internet: $50 per month
>Total: $285
>Annual total: $285 * 12 = $3420
>Max lifespan total: $3420 * 60 (assuming you live until $60) = $205,200

Also you can get big tit 10/10 asian hookers here for as cheap as $20 each. It's cheap af to live like a king.

>>10143096
it sounds cheap until youre a neet in the united states who doesnt make 85$ a month

You'd actually need $266k, not $400k. And that's accounting for inflation (so in 10 years you take out more than you do today to account for inflation). Studies show that a 3% withdrawal rate is safe for retirement.

https://en.m.wikipedia.org/wiki/Trinity_study

>>10144085
I thought it was 4%?

>>10140543
>Food, Rent, Utilities
>Internet Home, Internet Phone
>Haircut (x2), Transport
>Fitness with pool, Debit Card MC + Visa
>Mobile Phone, Vitamins
>G Suite, Hosting, Domain, VPN
~700 usd/mo here. after all expenses i'm pocketing around 70k/year, but i only started working a year ago. also my country's currency is weak and the govt is shorting it, so i would only benefit since i get payed in USD. one of my hobbies is being frugal is fuck - clothes-wise i look like a bum, can wear dirty clothes and not shave just to fuck with normies. damn it feels good to be a future millionaire. also thinking about moving back to my home to save 300$/mo on rent but not sure yet.

>>10140543

>wipe ass
>get paid 90/hr
>lift up the scrotum for bonus pay

Be a nurse anons

>>10144241
also go for a swim in the morning and take a shower there instead of rental apt to save on water bill.

>>10144274
lol, water is like $20 you fucking cheap jew

>>10144316
in fitness i can literally brush teeth, shave and spit on the floor, make a mess and the janitors will take care of it plus additional motivation to exercise daily. i get free water(my water bill went down ~60%), janitors that will clean after me, fit bod, endorphins for the day - it's a good deal. and yes, i have relatives in israel, but they poor. i'm the only actual jew in the family

>>10140543
http://networthify.com/calculator/earlyretirement

It's impossible to live frugally if there any women in, near or around your life

>live in Croatia
>live on scalping shitcoins
>no tax on buttcoins

>>10140543
>>Apt. Rental: $500 per month
>considering retiring without buying your gig
It's like you want to get back to work within 5 years

>>10140543
I only have 10k

>>10144900
>he involves women in his life in any way whatsoever

>>10140593

easily done, probably less. Pasta, rice and shiz

>>10140557
You can eat plant based for $3 per day if you're willing to make it yourself. It will also extend your lifespan enough to spend the money you just saved.

>>10140793
>No fat
>healthy af

>>10140793
>eggs
not healthy

>>10140543
People actually spend $10 a day on food in the U.S.? I spend around $6 in an entire week (I eat mainly rice and beans which is 3500+ calories per dollar. I add some frozen mixed vegs every now and then which is $1 per pack and I use half in a day if I were to use some)

At least your rent is cheap though, I have $1k rent a month split between 3 people

>>10140587
make this 1000€ average for rent in barcelona

protip: average salary is 1000€

now you know why im a NEET for life stuck on mom's flat

either my BTC makes me rich or im killing mylseffdssdf

>>10143096
dude the phils are a complete hellhole nothing to brag about. their food is literally the worst in the world and the women are butt ugly

>>10140543

Now if you invest that 7.9k, every year for 60 years with 8% interest on SnP500 market average.

Now that 478k turns to...
>pic

>11M

>>10144085
>>10144144

4% is the Trinity study figure for Boomers retiring, basically "30 years later the person wasn't dead broke".

3%-3.25% is about what you can expect for "inflation-adjusted balance stays above the amount you started", i.e. permaNEET income.

>>10145656
>make this 1000€ average for rent in barcelona
>protip: average salary is 1000€
>now you know why im a NEET for life stuck on mom's flat
>either my BTC makes me rich or im killing mylseffdssdf
I'm from Barcelona. You know what I did? I moved to Dublin. Rent's even more insane here, but at least the salary is higher than the rent (by several times).

>>10145730
Look at >>10144644
Same thing really, but much easier to understand.

>>10140543
>this stupid

his 50k is worth 500k actually.

the money you hold in your hand is valued at 10x the next year because in business 10x is the minimum you can multiply your holdings within a year if you don't suck ass and bother to keep up with finances.

>>10141221
That's a comedy show you dumbfuck.

>>10140557
Rice, Tuna, Quark, Broccoli on mass, some cheap fruits for satisfication, cheap nuts like almonds, maybe meat depending on price of your region...fuck you can get way cheaper than 10-15 dollar

>>10146072
but you are now in a place with shitty weather

how much do you get for waggiecucking and what are your monthly expenses like? how is the place?

>>10146560
>how is the place?
It's a studio apartment, 800€/mo. It's really shitty. But it allows me to maximize my savings, which I actually put into Index fund ETFs.
>how much for wagecuck
https://www.brightwater.ie/docs/default-source/surveys/salary-survey/previous-years/brightwater-salary-survey-2017.pdf

>>10145656
What kind of place you got for a 1k€ rent in barcelona ?

>>10140572
Well considering you probably live with your parents for the first 18 years of your life, 60 years of paying your own way puts you at 78, that's not too bad

You are terrible with money if you spent 15 dollars on food per day. I spend like 4.

I hate being poor. You all are a bunch of losers.

here it's enough like 4-5 dollars per day for food if you cook.

>>10146602
sorry man i dont click on pdfs

just tell


why not live iwth parents to maximize €€ anyway

>>10141756
#FirstWorldProblems
https://www.youtube.com/watch?v=rAlTOfl9F2w

i started selling drugs to my friends after then not im waiting on a few hundred grams of MDMA and 50 grams of meth to come in if the system doesnt work for you fuck the system and build your own


I WILL NEVER GO BACK TO WAGESLAVING RATHER JAIL OR DEATH THAT SLAVERY

>Food: $10-15 per day
I go with 3.5€ per day.
>Apt. Rental: $500 per month
Around 200€.
>Electricity: $50 per month
This is a bit harsh, I pay about 150€. But my heat is running on electricity, so thats fine.
>Water: $50 per month
25€.
>Internet: $50 per month
40€ - and that is just because I have an old contract, which I need to change.

>>10140543
>caring about money
I stopped even thinking about it
Either you're perpetually in debt, or you're rich beyond belief
Spend your time thinking about achieving the latter

>>10140557
Right? I'm fat as fuck and only spend $150-200/mo (which is 5-7/day) on food. Step up..