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/biz/ - Business & Finance


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15674093 No.15674093 [Reply] [Original]

Give it to me straight why are most people poor? I believe it is due to bad financial decisions. And often mental illness.

>> No.15674100

both are accurate for me

>> No.15674103

They play checkers in a world of people playing chess. Poor people have no objective mindset, if they want something theyll go have it. Ex. Im hungry. Oh look a mcdonalds.

Even a single digit iq would tell you that not eating would be more beneficial to your biome than eating the deep fried shit of mcdonalds.

>> No.15674113

>>15674093
Low IQ and/or low impulse control.

>> No.15674117

>>15674093
Spend more than they earn

>> No.15674166
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15674166

>>15674093
Yep, it's all about time preference. Doesn't matter if it's because of low iq or mental illness, being a high time preference individual will make you miserable in general, not just poor. It's the quintessential npc trait.

>> No.15674197
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15674197

It's probably combination of genetics and environment and maybe a little bit of luck. If you have what it takes, over time you'll find a way to make things better. Of course, if there is a really big setback, some might not get back on the track, even though they might have done very well if everything went normally or there wasn't this black swan type event. Then there are those that might not be so genetically smart, but are raised well and have the right fundamentals engraved in them. How to manage money, interact with people etc.

This all leads me to doubt there is any free will. I mean if you are born, your genetics will influence you and then your environment will influence you. The thought you got into your mind came from something. It can't just come out of nothing, can it? When you are young start playing football because you saw it on tv when your parents(environment) turned it to that channel, you have good enough genetics to play it well enough to enjoy it. Like I doubt anything is random in the world. Every particle might be calculated and will act the same way if all the particles positions and movements etc are the same. For example if you could make another big bang where every atom every particle is exactly at the same place, and you fast forward it to the year of christ 2019, 22th of September, you would get the same exact earth with the same exact people with the same exact thoughts and the same fucking post that I'm almost finished writing.

>> No.15674206

>>15674197
The last part is most likely false. Environments are random and can be mutated like genes. Your predicting the same exact outcome over a time period far too big. One ripple would cause a mass effect in that reality that would change the outcome.

>> No.15674207

>>15674093
Because media tells them it's okay to spend money on bullshit. I never got a class in school about the importance of saving.

>> No.15674214

>>15674113
this

>> No.15674217

>>15674207
And you never will because you have to figure that out yourself and understand the kike game. The kikes fund everything, you think theyre going to give you a blueprint?

>> No.15674218

>>15674093

lack of education or resources

tl;dr: government doesn't give a shit

>> No.15674222

>>15674093
Taxes

>> No.15674225

>>15674093
Believe it or not, most people don’t think that much or care about money beyond comfort.

>> No.15674226

>>15674103
How does it play any difference on your “biome?”

>> No.15674235

>>15674206
I'm no physicist so I don't know much about particles, but where does that ripple come from? Just randomly appears? Maybe there are even smaller particles that created that ripple and if you calculate the smaller particles positions, movements etc you could calculate the ripple? I have no idea, but the thought of randomness is kinda weird for me now.

>> No.15674263

>>15674093
it is actually pretty simple. people are not that creative, most of them just follow the flock. go to school, go to college, get a job, get married, have a couple kids, buy a nice car, retire at 65, die. They dont ever stop to even consider if what they are doing is right they just think to themselves "this sucks but this is life so lets keep going"

>> No.15674266
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15674266

>>15674093
Low IQ or impulsiveness, sure. But it's also because nobody actually explained how it works. They were never "shown the light" as it were. Nobody sat them down as a child or teen and showed them the math and a way to achieve prosperity that is within their grasp and capabilities.

>> No.15674282

>>15674206
Just because we don't understand their movements doesn't mean they are truly "random"

>> No.15674283

>>15674197
>Like I doubt anything is random in the world.
You're completely correct. I came to this conclusion years ago. However, I don't say that it's a lack of free will, because you are indeed doing what you wanted.

>> No.15674398

>>15674093
high time-preference.

>> No.15674425
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15674425

>>15674093

Genetic predestination. Even given opportunity or incredible luck the genetic serf will naturally seek equilibrium at wage cucking.

They literally cannot fathom an existence where 50-60% of their waking hours are structured by Mr. Shekelberg. It’s no wonder the Jews hate us and see us as lesser, for the vast majority it’s most likely true.

>> No.15674435

>>15674093
There's some cringe ITT

>> No.15674489

>>15674093
Innumeracy. Maladjusted risk tolerance. Fixation over material possessions.

Usually all three.

>> No.15674513

>>15674283
I want to make money because I'm not rich. I'm not rich because my family is not rich. My family is not rich because of they either lack the abilities needed or because the environment they grew up in was tough. You see where I'm going with this? I feel like it's a long ass chain. Basically the butterfly effect. Of course I feel like I got free will, but sometimes I just think that maybe that's just an illusion. That doesn't mean of course that I'm giving up or something. Just, it's all so weird.

>> No.15674537

ITT poor people.

>it comes down to conditioning
>modeling your financial blueprint based on what you see and experience growing up

ANYONE can focus on earning maximal income, minimizing expenses, and investing the difference wisely, but most wont because of their programming.

>> No.15674589

>>15674093
As a 22 year old working food service I get to observe poor people in my age group develop spending/saving habits that will follow them the rest of their lives.

1. Jewelry, expensive cloths (not even classy stuff, Supreme, Jordans, and other bullshit)
2. Fast food outside of work, no meal plans
3. Weed, tobacco (not even bought in bulk)
4. A general sense of being uncomfortable with any savings. "I just got my tax return, idk what i'm going to do with the extra $700"
You make 16k a year nigger there is no EXTRA.

Like others said the media makes it seem ok to spend every cent on stupid shit.

>> No.15674755

>>15674117
This.

A person could make 30k a year and be financially well-off vs. someone making 200k a year maxing out their lifestyle

>> No.15674914

>>15674513
Yes, it's all cause and effect. If you had a computer powerful enough you could map out the entirety of the history and future of the universe. What I'm getting at about free will is that just because something is theoretically predictable doesn't mean you didn't WANT to do that. Everything you do is because you wanted to, even if there are reasons and causes for that. Free will exists, it's just that you'll always make the same decision when presented with the same exact variables.

>> No.15675047

>>15674093
I had 10k in savings from the last 5 years, but now it's all in LINK.

So I guess you're probably right

>> No.15675142

Slave and master mentality
Simple as that