/biz/ - Business & Finance

I used to pay $1225 for a 1 bedroom. Said fuck it and moved into my office for a year, now living with a room mate for $900

>>23425221
i can't even begin to understand it. i make $70k a year and looking at these prices makes me want to kill myself, it's like 30% of my income after i pay my goy taxes. how do people making shit money do it? how does anyone do it?

>>23425194
Feels good to pay $820/month for rent each month for my 1bdr appt. But Im kind of considering getting a 2bdr in the 1200-1500 range just because I want a 2nd bedroom for an office, a balcony, fireplace and hot tub/pool/weight room in the building.

>>23425194
>he thinks $1300 is expensive rent
aw that's cute lmao
must be miserable living in flyover country

>>23425194
i make 145k a year

>>23425282
They literally spend all their money every single month just to survive. If I was making minimum wage I'd unironically just kill myself

>>23425194
tfw no firebird fest this year

>>23425194
I am literally paying 1600 for 1br in Maryland

>>23425282
Same. It's hard anon, the kikes want our shekels

>>23425316
making a literal 95th percentile income is the only way to get ahead in the fucking kiked world.

buy some land. build a cabin 600-700 square feet. no one should live in a house more than 2k square feet. look at the boomers who have lost their souls and marriages. pay for what you can own. loans and mortgage are slavery.

>>23425410
grew up in a small town, have no interest in working in a factory, warehouse, or a walmart for the rest of my life.

>>23425194
kek, I used to live in LA and had to pay 3,200 a month for a large one bedroom.

go ahead and buy a huge house then. huge houses are a death sentence for you and future relationships. you end up having separate lives. if you have 200k buy a house for that and not the trap of a 2 million dollar mansion.

>>23425410
1,000 Sq Ft is more than enough for a home, we aint having kids these days. also 1,000 Sq Ft home is actually 2,000 sq ft if it has a upstairs

>>23425194
by making a good salary
t. quant trader

>>23425194
wait until corona is over, it'll unironically be over for many many people.

>>23425631
i'd pay good money to burn out a kike landlord's eyeballs with a blowtorch

>>23425312
I live in flyover making $87k as an engineer. My rent is $970 a month for 1400 sqft. Buying a nice home in spring for $170k, would be around $400k in Florida (my home state).

>>23425194
>>23425194
imagine not knowing 1300 for 1 1br in nyc is a steal. try fucking 2k for 1 br in any decent area

>>23425701
You must have watched Hostel

Lol I pay 2k a month for a 1br and that's post corona cheaper rent, it was 2300 before.

Def sucks but I make a lot of money and that's the price of entry to a city where 6 fig jobs are all over

>>23426463
things that happen in my head are a lot scarier than any movie

>>23425282
How do you think landlords price their apartments? We literally just go
>35% of average income in the market or current tenants
And list at that price.

I live in nyc and it's quite a bit worse than that here. Impossible to even get a studio for under $1500. I'd love to have a place of my own, but I really don't want to be spending half my money on housing, which I guess is how a lot of people do it.

>Slovenia
>Center Europe
>make 1,6k - 2k net a month
>1br apartment costs 300€ + 100€ bills
>have at least 1k left each month to invest

How expensive is stuff in the US that one is having trouble surviving with 70k?

>>23425294
oklahoma?

>60k year salary
>40k after taxes
>1500*12=18,000
>22k
If you can't figure out how to live on 22k a year then you should not be on a finance board

>>23425479
>huge houses are a death sentence for you and future relationships. you end up having separate lives

>>23426942
Also to add to this if you cut out a car (loan gas and insurance), health insurance, wifi, and eating out you're going to save in the ball park of $1000 a month.

>>23426942
keep justifying the jewish hands that grip your throat tighter by the day.

>>23425194
my last apartment was $2800 a month. it's called having a good job, neet.

>>23427089
Dude nobody likes taxes and the cost of living but its the price you pay unless you're homeless or NEET in your parents house

>>23426820
$5800 monthly gross

-$580 401k contribution (10% of gross)
-$120 health insurance
-$1400 taxes
-$400 student loans
-$200 car payment
-$150 car insurance + gas
-$300 food
-$1200 rent
-$100 utilities
-$50 cellphone
-$80 internet

$1220/month into savings i.e. you're poor

I pay 1,050 for a decent 2001 1 br in Valencia CA due to even split in rent with my live-in gf. Make 75 k. Comfy times. Still employed, avoided layoffs two times. I'm in the zone baby slightly high right now. Fun thread OP :)

>>23427193
>goy01k, goy loans, goy insurance, wheeled Jew
>complaining about Jews
Dios mio

Yo PA bro. I pay $1200 for a 2 bed with washer/dryer in unit but it's in the middle of dense Greenland. Luckily I work for a small business in the middle of nowhere.
20 min to urban areas.

It's peaceful.

>>23427193
>$120 insurance
What the actual fuck?

>>23425194
this depresses me. I live at home and pay $0 in rent but will have to move out in a few months

not looking forward to spending half my fucking paycheck on a cuck shed

>>23427255
>Make 75 k

you can go ahead and cut that in half since you live in cuckifornia

>>23425194
if you are looking at those towns? why not move to philly? i'm living in philly, 1 bed 1 bath for $550/mo
yes it's safe, even comfy

>>23425312
As someone who's traveled extensively, I think its hilarious when people act like it sucks not living in a large coastal city. Biggest cope around. Enjoy your homeless people, traffic, and trendy faggots selling donut/croissant hybrids with kale salad.

>>23425194
I pay $1800 a month for a 2bedroom right now but I make 6 rigures so I don't mind that much...

>>23427620
Prior to the virus what made paying so much to live in nyc worth it to me was its incomparable theater and cinema. I was going to see either a movie, a Broadway show, or an off Broadway show at least 3 times every single week. It was really fantastic, and made paying for the privilege to live here totally worth it. Unfortunately the virus has shut down all that, but it will return soon enough.

If you just spend all day in your apartment watching tv playing video games and shit posting on 4chan, then yeah living here would be a total ripoff.

>>23427570
worked in the city for a bit, hate it.

>>23427769
Based big city Chad

I was ok with my 2k rent when I could go see a world class band a few blocks from my house every weekend, or some of the best museums in the world, or world class restaurants, etc

But now I might as well be in some shithole like alabama

>>23426820
Rent is quite expensive, but it's the lifestyle people try and live that fucks them. These people could live with roommates and split rent 2/3 ways and still complain about being broke. Gotta get all the new cool stuff, homie.

I pay 2400 for a 1 bedroom apartment, and I hate my life. The only reason I don’t just live in my car is because I want my based kitty to have some space to run around without wild animals getting her.

>>23427072
What's the difference between a slave and paying a free man just enough to eat?

>>23427193
>car payment
>$10 a day on food
>$50 a month for a cellphone?????

kek living in 3 bedrooms for $600, comfy

>>23425194
God, could you imagine being a rentcuck? It’s almost as bad as holding XRP.

Imagine being a ragie wagie and paying 1,300 for a cuckshed

>paying $750/month for a 3 LDK outside of Tokyo
>3 minute walk to the station
>40 minute train ride direct to Tokyo station
>plenty of natural greenery around here, as well as shopping/restaurants/bars just like Tokyo but cheaper
>wife's small income basically pays the rent and utilities and food for the month, my income is all saved

used to pay double this for rent on a single bedroom apartment in the US, HAD to have a car to get anywhere, nogs and illegals everywhere, and our combined income wasn't much higher than it is now.

>>23425410
Almost agree I think if you buy in a house and don’t rent it out to anybody and it’s making you no income in any other way definitely slavery and more of a store of value then a asset.

>>23427526
Meh I get tons of miles and benefits and options (offered 3:1 RSUs) too so it basically cancels out

>>23425316
I make 1.45 million a year

>>23428140
i don't understand what you're getting at. those are all very reasonable costs. car is a CPO economy car. food is a bit much but i don't eat out, cooking is my hobby. cellphone is cheapest shit through at&t with a discount.

>>23428189
Fuck you. I'm so jelly if no larp. Qt3.14 Nipponese gf?

Im an ex-neet that got lucky to land a lab tech job at $20/hr. I could visit but I'm a blue collar wagie I can't work from home and live there. Also I have no social skills...

>>23425194
live with roommates or parents for a few years until that amount seems like nothing

>renting a room living with 3 shitskins takes up half my income

>>23425533
what firm?

>>23425194
These are nyc prices it's rich kids who travel for travel who pay for this stuff here

>>23425194
Lmao all those are cheap by Toronto standards, and the poor bastards charging 2k/month are still cash flow negative, but fortunately rental rates are absolutely tanking due to COVID urban exodus, so renters will be better off and greedy/stupid investor landlords will get fucked

>>23428189
Whats your profession?

>>23425312
Yeah it's fucking awful living 45 minutes out from Chicago. I get to own a giant cheap home and bang slutty city girls whenever I want. I don't know how I would cope without paying 3k a month rent for a 900 sq ft apartment every month. Guess I'll go think about killing myself after I hit a new squat PR in my home gym :*(

>>23425282
Get a mortgage. Rent it out when you move. Most people are like cattle when it comes to money.
>>23427193
Don't contribute 10% to 401k/Roth. Contribute what your employer matches and not a penny more, especially if you're playing the long game with crypto.
Avoid taking out a car loan if possible ($200 is actually underestimating what a lot of guys make payments on trying to look cool)
The rest of your numbers add up, only thing you can do is cut rent out and move away from the city, as that would save you more money over time than foregoing an auto loan

I pay grossly overinflated rent to my Chinese landlord because my Chinese landlord owns all the Condominiums. And it's either a Condominium or Basement

2000/mo on a 100k/yr income here. It hurts but I'm just starting at a new job so getting a house is too risky right now.

>>23428189
>nogs and illegals everywhere

the progressive term is orcs and foreign invaders. Use these terms to properly trigger the clown cult, fren

>>23428531
Spartan.

UwU

I can rent a 1br for about $1200/mo where I live.

Or, I have the opportunity to buy a 1br lakefront 1000 sqft house for $440k, just came on the market yesterday. It's all secluded and alpine and shit. Monthly payment about $1900 with $700 going to equity to start, so it amounts to the same amount of money pissed down the drain monthly.

Pic related is the view from the deck. What should I do, anons?

Get a work from home job and live in a hutch in the woods.

>>23429387
If you can pay roughly the same amount of cost and get more value out of an option, take that option. You'll have a house at the end of the 20-30 year mortgage where you would have nothing no matter how many months you paid rent on anything. Ownership and equity is everything when building value and being financially stable.

>$700 going to equity to start

That's $700 for every $1900 you spend. What do you get every month you pay rent. Nothing. Jack squat.

Make the investment. And also learn to fix up/improve a place like that to accelerate the value appreciation of the house. Lake-front property is a huge opportunity for wealth growth.

>>23425431
Didn’t know these were mutually exclusive

>>23428493
>so renters will be better off and greedy/stupid investor landlords will get fucked
If by "fucked" you meant a massive bailout at taxpayer expense, then yes.

>>23425282
I was in a near-identical scenario when I graduated (63k/yr along the Main Line outside of Philadelphia). I rented out a 1bd/1ba condo for 1200/mo.

The Main Line is pretty nice, but is overly expensive do to old money. Some of the nicest home in the country are in that area if you go South of the Schuylkill. You'll find cheaper prices if you either move further out into the country, or closer to the city.

>>23425194

I miss my $1100 3BR house in the suburbs of Tucson. Shit was nice and cheap af.

>>23427769
This. All anti-city betas are socially inept philistines who watched a Ben Shapiro video after their 5th fap of the day.

>>23426181
this.
I am going to enjoy seeing shit go down when the moratoriums expire and people try to reconcile.

>>23425194
That's nothing, try living in CA lol. I'm paying 3,200 usd for a 700sq ft apartment with 1 bed/1 bath. This is low end too and my neighbors are all black and mexican. I'm saving up to put $500k down on a home for around $1m (median is over $1.1m) and it's going to kick my monthly expenses up another $1.5k just for a shitbox smaller than where I'm already at. I'm in top %00.5 earners for my age (20s) and am barely able to afford anything here.

>>23431247
You must live in SF. I live in Ventura and it's much cheaper and in a safe area.

Mfw living in 3rd world

mfw 600$ for 3 bedroom, comfy area.

Americucks.