/biz/ - Business & Finance

socializing

Working a shitty $12/hr job and spending $25 on food for lunch

Buying new cars
Loans
Paying 300 for some shoes
Most things bought in the name of vanity/appearance
The list is endless really

>>25315982
Based and hermitpilled. The best way to ensure you don't spend more money than you have to is to avoid normies.

Lifestyle inflation.

Buying new cars

Not investing in CLF lol

Eating out for almost every meal, not learning to cook, buying new clothes when their current ones aren't even 3 years old. Having car payments

My neighbor gets food delivered or takeout every single day. Sometimes twice. He probably spends more in a week on food than I do in a month.

>>25315953
Taking advice from Biz unironically.

>>25315953
poor financial decisions are good reproduction decisions

Living in developed countries

I don't see people everyday. I barely see people once a week.

>>25316005
What if people at your workplace force you to socialize?

>>25315953
long term holdings pegged to the dollar

>>25316063
This, and 4chan as a whole.
Some of yall really base your whole identity on a japanese basket weaving forum.

>>25315953
car payments
drugs, like weed and alcohol.
putting their life savings into crypto currencies on nothing more than a hunch.

>>25315982
But socializing got me a girl that touches my pp

>>25316158
girls are a poor financial decision aswell.

>>25316056
how is having a car payment a bad thing? I bought a car a few years ago with a 0.49% interest rate. Basically free money. You're way better off making small monthly payments and putting the money into the stock market or bitcoin or something. Buying in cash comes with a huge opportunity cost. Interest rates are still very low. with good credit you can find a rate under 2%

>>25315953
Buying crypto

Buying OPTI.

>>25316044

You guys better have bought since me posting this or ill slap the shit out of you

I'm printing money lol

>>25315953
Buying lottery tickets

I've spent around $30k on clothes and I regret it now

>>25315995
>Buying new cars

>carpool with colleague
>we both have cheap, old cars
>cars breakdown constantly and cost a fuck ton to fix
>decide I'm going to buy a new car because we keep getting late to work and losing entire days when cars don't work
>colleague calls me an idiot, "buying a new car is the worst financial decision you can make!"
>buy car
>decide I don't want my smelly colleague in my brand new car and stop carpooling
>his car breaks down completely
>he buy another shitty used car
>his car broke down so often that he got fired from work due to high absentee ratio
if my new car breaks down all I do is push a button and they come fix it, give me a temporary replacement car and compensate me for lost time at work
my former colleague has spent tens of thousands of dollars on old used up cars and repair bills - I've spent in total $4 200 on my car and I can return it whenever I want, interest rate is 2.8% (inflation is 12%)

not buying new cars is what they tell poor people to keep them poor, just like they tell them to save in fiat and buy retarded bonds
meanwhile the wealthy are borrowing and leveraging themselves to the tits to buy expensive cars, homes, stocks, crypto and gold
they know fiat is going into the shitter and any interest rate they have to pay is less than the price inflation of whatever they buy
everyone is trying to be the new Inflation King

>>25315953
Buying a car when you don’t need one. For some reason it’s tied to social status, you’re a poorfag if you don’t have a car. To me it’s the biggest one because between the principle, gas, maintenance, and insurance, you’re burning through a shit ton of money just owning a vehicle. And that’s not considering if they took out a loan or financed it or some shit like that.

>>25316184
Well, it's true that if you get a 2010 camry you can get get it for like 250-200 usd a month, with 100-150 a month in insurance and that's not the worst thing in the world.
The problem is that ones income becomes tied up in that car payment, so you have less leverage for loans for things that will actually produce money.
Not a big deal for guys making more than 3k a month though.

>>25316338
Take the Corolla pill anon

I once knew a guy that saw link at $20 and didn't convert his stack to BTC, which would have effectively made him a millionaire, time now.

I won't get into what has happened to his life since, its u-uh a little personal.

>>25316330
i drive a 18 year old shitbox worth like 800 bucks for 3 years now. didnt left me stranded once
maybe you guys are just retarded or buying overengineered shit

Some of the worst/most easily fixable ones:

>making your own coffee rather than buying it at Sbux. You can save like $30/week with almost no loss in quality.
>cigarettes, super expensive and terrible for you, just a lose/lose at this point
>expensive car + insurance payment, common one, shouldn't be as expensive as your rent
>overpaying for clothing, some people don't realize TJ Maxx exists and pay $50 for shirts they'll use a couple times and forget. Everything gets made in the same sweatshop in Asia, pay for the $13 article of clothing not its $60 equivalent in a mall

>>25316179
Agreed just bought her like $50 in Chrismas presents. She lets me choke her as hard as I can while fucking her, but it may be diminishing returns after awhile

>>25315995

your retarded list is basically just a list of hobbies that people have. Apparently you don't have any. Some people like shoes, other people like cars.

>>25316460
Shoes are not a fucking hobby

>>25316210
CLF chad I'm still sitting on my 1 call, we got this

>>25316447

and don't hate on Goodwill. Find a Goodwill near you in the richest part of town. You'll find a lot of legitimately nice clothing and suits for fucking dollars, put some good combos together and laugh as people compliment you and ask what boutique you got it from.

buying XRP

>>25316330
should also note that only a few days after I bought the car they raised the price from $30k to $33k, like I said - 12% inflation
>>25316442
I bought Toyota, my former colleague liked Volvo
here in Sweden old cars are pure shit due to the climate, zero rust protection

>>25316460
stay poor

>>25315953
Listening to /biz/

>>25315953
not posting on Hive and earning literally free money

>>25316460
>t. broke BUT fashionable ;)

>>25316460
You don’t know what a hobby is, buying materials for a lifestyle on the hedonic treadmill is not a hobby it is a perversion of the mind

>>25316014
I am 100% guilty of this and I am paying for it.

>>25316330
1) Buy a car a year or two old you still have warranties, low millage, low wear, etc. "Not new" doesn't mean 15 year old rusty banger.
2) Just because you had bad luck with cars doesn't mean all cheaper cars just break down every week. Anecdotal.

>>25316460
Triggered lmao. How's those shelves full of expensive shoes you never wear?

Buying the newest videogame console
The newest gadgets, cellphone, etc
Basically taking the consoomer pill to the extreme

>>25315995
You pretty much need to have a good amount of cash on hand to have a used car especially after used car inflation this year, interest rates on used cars are much higher than for new cars. $5k is pretty much the minimum you have to spend if you're getting reliable transportation now, and you still better have money set aside. Poors don't have thousands sitting in the bank but they do know they can come up with $300-$500 every month

>>25315953
alcohol, coffee, or cigarettes

>>25315982
This but unironically

>>25315953
My boomer dad and his woman. Properties abroad that they only ever sit in for maybe 3 months of the year, cruises all over the place, just to sit in a floating mausoleum to be fattened like cattle and entertained like children with 3rd rate entertainment, overpriced german cars that display check engine lamps all the time, and require £80+ per time for Mercedes to reset. I mean, fuck it, it's their money, and i've never asked for a penny from them even in the hardest times and never will, but holy shit.

>>25316725
I actually don't see the problem
>spent $4 200 on the car over 13 month period
>if I sell it now I get $24.5k from the dealer or ~$26k I sell privately
>current debt on car is $26.7k
>worst case scenario so far = $26.7k-$24.5k = $2.2k
>best case scenario so far = $26.7k-$26k = $0.7k
is $700 - $2000 for 13 months with a a brand new car really that bad?
if inflation continues like this and they raise the price of the car another 10% next year I might just end up MAKING money on my new car as new car prices trickle down

oh, and I forgot to add interest rate tax write off which will be about $250

>>25316725
>>25317227
also, since the car has 10 year warranty and safety radars my insurance costs are lower than they were on my 8 year old Toyota

>>25317025
Don’t expect a bunch of mouthbreathing neets that never leave their parents basement to understand the realities of car shopping and the necessity of a reliable vehicle

>>25316044
Cope, you are posting this shit in every single thread.

>>25316098
this

Drive-thru anything

>>25316460
>My hobby is throwing money away
yes.

>>25316014
kek

>>25317109
>coffee
>poor financial decision
How?

>>25317799
I assume he means ordering coffee vs learning how to brew it yourself. Might just be me projecting though.

t. Been ordering daily for the past two months

>>25317799
you don’t need it, and it is addictive

>>25316330

I graduated college in 2018 and spent 3k on a used Sentra that still runs perfectly fine despite heavy use and I'm not at all a car guy. Have maybe spent 1-2k on it since then on repairs and preventative maintenance and I expect it will run probably another 100k miles with similar yearly maintenance costs (so maybe 500/year).

Then again I have a friend who claims to know way more about cars and every car he buys breaks down after 6 months.

>>25317884
imagine not being able to brew coffee

>>25317884
i meant spending money on it in any way

>>25316112
force them to stop living

>>25317910
better to get a toyota or honda because only black people buy used nissans and you can sell a toyota/honda to any white middle class family in america

Did you fucks buy CLF?

>>25317913
I literally do not have an espresso maker. I'm going to buy one soon but I've been working on my thesis meme so I've very little time.

>>25317930
If you're the type that gets addicted to shit easily then yeah I guess it's better to never touch it.

Personally I can go from drinking daily to cold turkey easily so if I can use it to get a boost for a brief period I 100% will.

>>25316287
how the fuck do you spend 30k on clothes

>>25317930
It costs pennies a cup if you buy in bulk and make it yourself, take your mormon bullshit to /pol/

>>25317444
It's so thinly traded he needs buyers who would buy his bags so he can profit.

>>25316330
>>25316338
>>25317025
>>25317227
>>25317300
I think it's safe to say that the decision to buy a car or not, and to buy a used car or a new car, depends very much on individual circumstances. Some people absolutely need the reliability of a new car with a warranty and free rental services when it breaks down (which raises the question to me why you don't then just live within walking distance of everything you need, but that's a separate issue). Some people will get a used car and fuck everything up because they don't know how to deal with minor issues, or let minor issues become big issues. Some people buy way more car than they need (I see this most often with junior enlisted in the military who get absolutely raped by car salesmen).

>growing up in california
>dad gets me a shitbox out of his drinking buddy's back yard
>drive that bitch all over socal, learning to fix problems as they come up
>go to college
>everything is walking distance and I don't use it that much and parking costs money, so I give it back to my dad in roughly the same condition I got it (actually better since it needed a new alternator)
>dad gives it to my brother
>brother wrecks it driving like a tard within a few months (no accidents, he just was to rough with it and the engine gave out)
>I then arrange my life to live within walking distance of everything I need for the next few years
>join military
>get cheapest apartment in town walking distance from work
>just rent when I absolutely need to drive somewhere, everything is walk bike or bus for me
(side story I actually got out of an accusation of drunk driving by an idiot asshole because I don't even own a car, shit was very lucky for me)
>getting time to transfer
>buy a used car, good condition, to take advantage of transfer moving benefits
>paid a friend cash
>keep it maintained and drive it carefully so it's staying good
>still walk bike and bus everywhere I can
I saved thousands and thousands of dollars.

>>25315990

Daaaaaamn. Actually true.

>>25315953
i've been telling everyone i know to buy bitcoin since ross ulbricht went to jail and silk road was raided.

>>25318140
oh, right.

>>25318040
Go check the front page of /fa/ and see how much good brands cost, it's an absolute scam on the level of modern art.

>>25316460
>loans are a hobby
you are ngmi

>>25317992
everyone becomes addicted to coffee because they drink it every day without a second thought. its also just a waste of money

>>25318054
it is better to save those pennies and use them on something that isnt a luxury good. im also not mormon, but they are right about coffee

>>25315953
coffee, eating out, and subscription services are financial cancer

>>25318375
do you still?
I gave up years ago. you get it or you don't.

>>25316481
kek

>>25318541
at that point you're no longer talking about financial prudence though. you're talking about plain old asceticism. You wouldn't be able to justify any purchase besides something that literally keeps you alive or makes a return.

>>25318509
My coffee “habit” costs me about 50 to 75 cents a day. Going to coffee shops is a completely different story.

fast fashion has not only diluted the clothing market, but also hobbled genuine stylistic evolution in exchange for a rehashing of old ideas.
It's not only awful for the environment, but these companies prey mainly on younger women with self esteem issues.

not to mention the supply chain is riddled with literal slavery.

>>25316112
>his company doesn't have comped dinners and outings on a monthly basis
Yikes

>>25318541
this is insane, spending any number of brain calories trying to think about saving pennies is a huge mistake

If you don't have a job such that you are utterly indifferent to the costs of basic goods like coffee or cheap food you need to focus on making more not saving more

>>25318867
if my opposition solely came from it being a luxury good, youd be right. however, my problem is with coffee, not luxury goods as a whole

>>25318883
at a minimum you are wasting 182.50 every year

>>25319200
coffee isnt a basic good. it is always a waste of money, not matter how little you spend on your cup

>>25319241
you haven't made an argument why other luxury goods are ok to consume but coffee isn't. also, some people may be addicted to it, but many are not. I regularly go weeks at a time without drinking it, and it doesn't bother me the slightest, I just enjoy the taste of dark roasts.

I work at a bank and have to review customer account activity as part of my daily responsibilities. It never ceases to amaze me how terrible 90% of people really are with their money, I would say most people literally live paycheck to paycheck constantly dodging debt collectors and don't invest anything at all. Poor people but also rich people too.
Poor people have constant debit card activity, always eating shit like Little Caesars, Mcdonalds. There's a funny phenomenon where we always get really busy over the summer starting in May and June... because poor people withhold too much in taxes and the moment they get their refund they're blowing it all on stupid shit like new cars and Prada Gucci Le Nignog whatever.
Rich people usually use credit so I can't view their transactions directly, but you'll see them paying thousands every month in multiple credit card payments. They're also more into expensive property remodeling and buying fuck ugly houses.
What really blows my mind are seeing people with mid six figure salaries going on vacation two or three times a year and literally blowing every. single. cent. on gambling, food, designer clothing, hotels, what have you. People who get a million dollar settlement from an injury lawsuit or an inheritance and then spending tens of thousands of dollars at... Walmart. Or TJ Maxx, or Ross. Who the fuck does that?
And plenty of customers have massive piles of money sitting in their checking account just doing nothing.
If you know anything at all about investing, stocks, hell even cryptocurrency and are actually putting your money to work, you are ahead of 90% of the population. Trust me.

>>25316330
>buy 15 year old Honda CRV for 4 grand 3 years ago
>daily driven it and used for road trips since
>change the oil, battery and tires now and then
>never had a single issue or breakdown
>could probably sell it for $3500 today
You must be a retarded Californian that constantly revs his car to 4500 rpms trying to race around your shitty streets

My friend who has some serious student loan debt just recently crashed his car that he bought off of his sister for $5,000. Insurance company gave him $7,000. He's planning to use that as a DOWN PAYMENT on a brand new vehicle instead of just buying a used one for less than the $7,000. He also lives paycheck to paycheck. Spending any extra money on guns and action figures.

>>25319446
I don't know if this should feel like a pat on the back or if it just makes me lose even more faith in my fellow citizens.

>>25319446
>There's a funny phenomenon where we always get really busy over the summer starting in May and June... because poor people withhold too much in taxes and the moment they get their refund they're blowing it all on stupid shit like new cars and Prada Gucci Le Nignog whatever.
HODL

>>25319526
Guns are a decent investment depending on what he's buying and/or the current political environment.

>>25319446
unfortunately all of this is true. so, how do i short poor people?

>>25319611
Yes, I absolutely agree. Just an expensive hobby though when he only makes minimum wage.

>>25319446
Continued...
There's so many people who take cash out of their accounts literally to keep under their mattress at home. Or people who buy large cashier's checks made to themselves, then put it in their safe deposit box or keep it somewhere "safe".
We have a few Native American customers who get a fuckton of money from the US Govt. payments for mineral/oil rights or something like that. They take literally all of it out every single month and drink it all away. Or give their debit card to their relatives and then let them take all their money. ALL the Injuns we bank are like this.
It's always the rich people who seem to have the most money going towards collections, endless credit card payments. People will take out new mortgages or open a LOC on their house to blow on stupid shit all the time.
Even the successful businesses and investors we have are always riding the edge of insolvency. They either put all their money back into their business or they are always on the razor's edge of profitability, which usually means just being able to service their outstanding debt.
Today I am working on a metal recycler operating in the PNW. Constantly shipping scrap metal to and from China, Taiwan, weird places like that. They are fairly large and have several lines of credit with us more than $10mm+ each. And they're constantly 99% utilized, i.e. all the payments they make are constantly being taken out again just to keep their business afloat.
Lots of our small businesses are like this too, just barely staying solvent.
We really have not seen the worst of the covid shutdowns yet.

>>25316418
Sad. Many such cases.

>>25315953
For me personally it's my racecar, if you ever want to be broke constantly while having the time of your life, start racing.

>>25315953
Buying shit they can't afford

>>25316330
>won't even say the make and model of his old shitbox or new millennial crap
Fuck off larpnigger. If you are being honest you probably had some American made crap and don't know any mechanics who will treat you fairly.

>>25316460
Buying shoes is a necessity, buying more than one pair that fulfill the same niche is ju-ohh fucccck kk oh fuuuck I think I'm gonnaConSSOOOOOOOM

>>25319446
I got rekted by university, not as much as an American, but more than the average Euro . it is stell less than 4000. And I have to say, completely unsarcastically obviously, really helpful having a degree during a recession. I am sure they will hire me when the FIAT is as much worth as a piece of paper.
I am not even blowing money, only thing I have to get is weed, otherwise my anxiety attacks kill me. So there is that.
So now, I am just waiting till the Inflation boxes me out and hope for the best with my small crypto bag.

>>25317799
>>25317884
I'm selling coffee gringos. $20 dollas el kilo.
Best business ever.

>>25315953
buying XRP

>>25319526
that may not necessarily be a bad idea. unless you know the seller it is easy to get screwed buying cheap used cars and he could end up needing another one in a year or two. As long as he was buying something practical and he actually needs a car, it isn't terrible.

>>25315953
holding significant fiat reserves long term, buying lotto tickets, ZERO SAVINGS, 100% income spent each period, subscriptions, buying shitty video games that won't stay fun for >5 hours, buying shitty video game consoles with no good exclusives, excessively buying fashion clothing

>>25319446
This was actually quite informative and interesting, thank you for sharing fren

>>25315990
This. I used to work in cafes and lots of my coworkers would literally spend over $10 on food from the cafe to have in their break. So not only are they not getting paid for that half hour, but they are giving an hour's wages back to the company, so effectively the first hour and a half of work is to pay for a lunch they wouldn't need if they weren't at work... I stole the food lol.

Also people eating out in general is an expense that even poor people don't seen to realise they could save thousands a year on if they cooked.

Still food related, people buying branded boxes of food instead of just getting the ingredients. Like a box of granola bars, a box of microwaveable bacon, a box of potato salad. The markup on these things is incredible and you can just make it yourself in 5 minutes from raw/fresh ingredients.

Peope look getting vehicles on finance is another one. Just get a shitty car you can afford to buy outright. Normies genuinely dont understand how interest fucks you up the ass.

>>25316144

Damn. I hit 2/3. I a good used car in cash. I've had it for 8 years and only have done basic maintenance work.

But yeah I've spent about 30 grand on weed in the last 10 years. But I'm on a 50/50 split between index funds and crypto.

>>25319707
>There's so many people who take cash out of their accounts literally to keep under their mattress at home. Or people who buy large cashier's checks made to themselves, then put it in their safe deposit box or keep it somewhere "safe"

There's no fucking way... jesus

>>25318266
I wanna hear more about the side story. How did some accuse you of drink driving if you dont own a car lol

>>25315953
eating food

>>25316188
As someone who has operated heavy machinery i’d be terrified of that incline

>>25315990
yes exactly. $15/hour wagie makes $12/hour after taxes then spends 1 hour of wages on lunch food.

>>25319707
>>25319446
This was legitimately horrifying to read thank you

>>25320483
I do that.
The bank keeps it if you die.

>>25315953
my personal vices
>Eat out too much
>Buy too many clothes
>Gunpla
>sometimes buy too many home improvement type things since i live in a small apartment


beyond that, I don't really spend all that much.

>>25316158
This, I pay for every dinner, drink, etc. but I was wasting more money when I hung with my friends. I hung out with drug addicts. Now I don't have any friends, because of my gf. Also now I get to have sex everyday.

>>25320182
>with no good exclusives
Ask me how I know you’re a sweaty virgin who wastes thousands of dollars on childish video games but tries to justify it as a hobby so he can feel superior to other people who was the same amount of money on equally useless shit ?

>>25315953
emotional trading, not knowing when to give up and take a loss

>>25320451
>financing cars
So dumb. Yet everyone around me drives better cars I can’t help but feel I need to compete with them. I drive an 07 Scion tC

>>25320018
You making any money? My local roastie sells his for $35 a kilo.

>>25317910
if its a newer sentra with a CVT transmission make sure to change the fluid (not flushed, just drain and fill) roughly every 30kish miles

>>25319707

US the country fueled by debt and bad financial decisions lol

>>25320917
>$35 a kilo
I should try raising the price.

>>25320850
I don't, but there was a time a long time ago when some consoles would let you play the latest greatest games with decent gameplay and story and that time is long gone now.

>>25321076
depends. Where I live is very expensive, I doubt he'd survive at a lower price. I know buying bulk green beans is dirt cheap, it's just the overhead that gets you.

>>25318997
Very true. Never thought I’d hear this on biz

>>25319404
i didnt say i was going to prove coffee is bad. i answered the op question.
coffee is addictive, regular consumption disrupts your natural energy levels, it tastes like shit without adding sugar or cream (empty calories), and the cost over time (even home brewed) makes all of this even less worth it

obviously cars, credit card debt, etc. but also
>renting
>boomer stocks (index funds)
>"working hard"
>having kids before you have at least $1mil net worth
>noting buying a little bitcoin on every dip

>>25322045
>boomer stocks (index funds)
what's the alternative if you don't have the balls to go all in on crypto.

Buying things because they are on sale.

>>25319446
screencapping this, thank you anon.

>>25322045
There’s nothing wrong with index funds, you sound retarded.

>>25322177

I'd recommend growing some balls.

>>25316230
My mom abuses lottery tickets. It disgusts me but my love for mother unfortunately outweighs my right to interfere in her retardation. Parents are bad with money but it's hard to complain considering I love a comfortable life.

>>25315953
spent 3k at the strip club one night

eating at restaurants
ordering food delivery
paying for onlyfans
paying for netflix
buying the latest console
buying videogames
paying for anything digital, really
$500 shoes or bag
having pets

>>25315953
Every time I walk into the convenience story there's some retarded boomer dumping $50 of their hard-earned money into fucking lottery tickets. I don't have any problem with someone buying every once in a while but some people are just throwing their money away

>>25321912
>it tastes like shit without adding sugar or cream
well there it is, opinion discarded. Can't take anyone seriously that doesn't like black coffee.

>>25315982
fpbp

>>25315953
People leasing new cars when they can buy a used beater for 3k and put a new engine in for 2k. Boom new car. Most people are paying 4-500 (with insurance) a month on a lease. A used car like i said would pay it self off in a year.

>>25320837
can I have sex with your girlfriend too anon?

>>25316805
that shit is all free anyways

>>25316158
That’s true. Getting laid has more to do with extraversion or intraversion than money, looks, or anything else

>>25322990
I literally only eat out 2 maybe 3 times a month. Most people don’t realize it’s a luxury.

http://gains.dob.jp

>>25320606
I make $28.24/hour but I don't even eat a lunch at work. I only eat at home where I make one of five meals
>steak with potato and spinach ~$5 total meal
>chicken breast with rice and broccoli~$4
>tilapia with rice and kale. ~$4
> home made burritos from rice, beans and cheese ~$3
>absolutely poor fag tier PB&J ~$0.50 for 2 sandwiches.

>>25322990
>paying for anything digital, really
I will never how this stayed so widespread, when it's so easy to pirate

>>25322045
>renting
often the only alternative to being homeless

>>25316460
consuming products isn't a "hobby", retard.

>>25323029
Yep. I replied to someone who mentioned this above. It is the most expensive form of entertainment (gambling), and is truly nigger tier mathematics knowing you'll never come out ahead,especially the longer you play, yet people in my family are hooked.

>>25316723
If someone told me what I’ve spent on delivery in the past year I would probably cry.

>>25323087
Used cars aren't cheap anymore.

>>25323445
my meals look similar.
They are easy and healthy.

Plus in the evening I eat selfmade bread.
This is also way cheaper and more delicious than bread from the bakery.

>>25323445
I also make cheese and spinach omletes literally every morning for breakfast.

>>25322045
Renting is not a bad financial decisions in many cases, the opportunity cost of a down payment on a home is quite high especially with crypto in play. Your avg normie renting a single bedroom condo and living paycheck to paycheck is obviously too retarded to understand the trade off though.

constantly eating out because they're too lazy or stupid to cook

Did you buy CLF?

>>25316158
pics or it didn't happen

>>25323639
I make home made jam for my PB&Js I buy buckets of strawberries wholesale direct from local farms. Trying to make a starter so I can have sourdough bread. Homemade Jam on homemade bread is kino.

>>25315982
This is very true if you account for social media and the culture that surrounds it. Conversely, however, it is good to socialize if you plan on going live with a local business venture.

>>25315995
>t autismo

like it or not, you have to flex with cars and clothes if you have any interest in getting a girlfriend

then again most of you dudes are probably just gonna use vacation to abscond to thailand or some shit and (pay to) fuck jungle subhumans lmao

>>25315953
The funniest thing I see inthese threads is a bunch of your poorfags saying "eating out every day" etc. I'm pulling in about 15k a month after taxes and eating out costs me exactly $11.01 per day. Can you see why I don't give a fuck?

>>25323848
Yes! Very satisfying. I can imagine how great it tastes. Selfmade is always best. Congrats on that. I am always happy to come home in the evening to my selfmade bread.

My favourite lunch meal is chicken legs with potatoes and carrots made in the oven at 170 degree for 1 1/4 hours.

In the morning I always eat selfmade cereal with oatmeal, a fresh chopped apple, chopped nuts, sunflower seats and chia seats. This is my ultimate cheap and healthy power breakfast.

>>25324052
We're comparing like to like, and you're not like us

>>25316330
u finance or leasing? confused.

>>25324014
>must spend money
>must acquire hole
>must spend money
>must acquire hole

>>25317510
Dunno why everyone posting this pic to laugh at the guy. He seems genuinely happy, even if it was for a brief period.

>>25323723
kill yourself

Smoking cigarettes

>>25324123
Maybe I came across as really harsh, sorry. I'm trying to say that I've done most of the "bad decisions" in this thread and I still probably accumulated more wealth than most here. My point is that instead of focusing on saving $25 each day or whatever, focus on increasing your income. I think the whole emphasis on saving that people do (even very rich people like Kevin O'Leary) is mostly horseshit. Nobody is saying to go out and blow your life savings in a week but I see people here who refuse to buy something pointless like fast food so tbey can save a few hundred bucks per month, as if that will make a difference long term, but don't put in the effort to increase their income by that nuch or nore every month.

>>25324193
welcome to being a human being

>>25320018
based

>>25320019
this isnt caused by a bad decision, but by a disability called schizophrenia

>>25316287
Show tits or gtfo

>>25315953
Owning a car
Not outsourcing your daily bullshit to an ugly girlfriend
Thinking it's smart to avoid credit
Buying cheap shit like cheap shoes instead of getting a nice pair
Watching television and mainstream media
Not asking for a lot out of life
Not improving themselves daily

but the most important one: not reading books almost every day. every single rich person I have ever studied literally says to build a library and read lots of books. there is no such thing as a "self made man" who got there without the help of books

>>25324351
My brother makes $63k after taxes and we spent 1/3rd of it on smoking cigs, weed, chinese food, skittles, literally peanuts, doritos, soda.

>>25316460
stay poor

>>25315990
THIS

>>25320483
I know a family who did this, then their house burned down. They took a major L that night.

>>25319707
>Even the successful businesses and investors we have are always riding the edge of insolvency. They either put all their money back into their business or they are always on the razor's edge of profitability, which usually means just being able to service their outstanding debt.
based entrepreneurs

>>25324351
Also, $25 a day comes to $750 a month. That's enough to lease a GMC Yukon.

>>25322990
none of these things are really the cause, more the effect of being poor

>>25324351
You're right. To become rich (also known as getting paid a lot more than the average joe) you have to become more valuable to the marketplace. It doesn't matter how you spend or if you try to "save" money. Instead of focusing how to save money (remember: USD loses value generally) it would be smarter for these people to change their spending habits to a pattern where they buy things which hold their value (even collecting video games and holding them is very profitable) like commodities, real estate etc. I always use the phrase "Having something to show for the money you spent"

>>25315953
renting instead of buying
even a shitty apartment is better to own and then sell for a profit than to get your money drained by renting
I know many people don't have a choice, though
so I am sympathetic

>>25324052
how tf are u eating 3 meals for 11.01

>>25319266
My drinking water is almost the same price as coffee. Unless you are drinking water from tap instead, there is little to save.
Also coffee provides health benefits and enjoyment.

>>25324487
Does it matter which kinds of books?

>>25323029
In France we call this the "poor people's tax".
My own father told me this when I was a kid. He still buys a ticket once in a while.
Dreaming about having millions.

He once had 250k euros in a savings account. Had a super well payed job. He did no investing whatsoever.

>>25315990
This is how I discovered the wonders of the McChicken.

>>25324967
Actually, mostly no. I generally read self-improvement nonfiction but the gist of what I've read in a lot of those is that in order to have goals and you need to visualize them until you can practically touch it in your mind. That means it's important to exercise the creative part of your brain and to practice visualizing. I can't think of a better way than to read non-fiction, especially fantasy novels like Chronicles of Narnia and the sort of stuff you read when you're a kid.

>>25316418
Hard to predict the market, and by market I mean jews and the chinks running the show.

>>25319446
>>25319707
Lord, this is scary, saved

>>25325060
Interesting take, fantasy novels are fiction though.

>>25325130
oops, you caught my mistake. I meant to type fiction in that sentence

>>25323672
Incredibly based. In Uni I used to meal prep basic rice, broccoli, and chicken and the cost was basically a negligible weekly expense, instead of spending 100+ on take out

>>25324967
no it doesn't matter. doujin also qualify. just make sure to read a lot.

>>25316447
Bmw owner here. I spent 1k on a maintenance run last week, half of which went to new spark plugs installation.

Luxury cars are a fucking meme.

>>25325295
I've noticed rich people rarely concern themselves with poorfag vroom vroom stuff like driving fast cars. Instead they own a garage full of them and hire other people to drive them around in them. Something to consider.

>>25315990
this, I always make a lunch box with just bread and some cheap shit to but in between
also only drink water and coffee which I can get for free from my employer, not spending money on the soda machine

>>25324014
>like it or not, you have to flex with cars and clothes if you have any interest in getting a girlfriend
i just got the first girlfriend of my life and im unemployed on EI

>>25321912
I never got that. Why do normies drink it when they don't like the taste?
Your energy levels are fucked from tons of sugar and milk, coffee is pretty healthy.and cheap as fuck.

>>25325352
Who cares about cars? Cheap cars work too, they're like 90% similar to expensive cars, so just drive a good cheap car.

>>25315953
Buying xrp LMFAO

>>25315953
Being on /biz/

>>25316330
sounds like you and your friend just didnt have fathers that taught you how to buy used cars.
this is a demoralization post anyway. nothing in it actually happened

>>25315953
Casino and gambling... Look at Michael Jordan 's dad...

>>25324014
Cars and clothes only catch gold diggers to fuck, but if you want to meet decent women and girlfriend material, don't tell them you're rich, only wear casual clothings and play pool with them in a bar on the first date. It's an incredibly efficient filter because most women won't go on a second date after that, but the few that do are usually enjoyable to be around even outside of bed.

>>25319446
>>25319707
What exactly is your task there, sniffing through customer transactions. What are you looking for?
Interesting read. Also bullish for crypto.

401ks

>>25323631
king nigger fucked up the market with the “cash for clunkers” shit. But you’re objectively wrong. Pic related, 2 min search on OfferUp. Do as I suggested and you’ll have a car that runs another 100k.

>>25316447
TJ Maxx fucking sucks. The quality is so shit, you're honestly better off shopping at Primark, they're just as cheap but the quality is probably better and easier to buy in bulk.

>>25322990
people dont pay for onlyfans because they dont know how to get porn otherwise, paying for it IS the fetish

I've been getting fucked so hard this week

>>25316460
oh boy i just love taking out loans for fun

>>25325978
Any of those types of cheap clothing stores have really good deals. I’ve shopped there a few times for things like belts and shoes.

>>25326063
>taking out a loan for a pair of shoes
anon are you a nigger?

>>25323035
Black coffee is for niggers.

>>25323168
It sucks not knowing how to cook :(

>>25326093
Lucky you, i haven't bought any new clothes in 3 years because i have no fucking money. Finding a job in current conditions is hard.

>>25325916
?

>>25323445
Stop eating tilapia, it's super carcinogenic, like way worse than any other kinds of meats.

>>25316330
>cars breakdown constantly
1. Buy old cars that are known to be reliable
2. Get a mechanic friend to check the car before you buy
3. Don't drive like shit
4. Don't go to mechanics you don't know because it's likely they messed with your car so you remain a constant costumer
5. Move to Europe where you can take a bicycle or bus to get to work

>>25326370
I don't have friends, how else can I complete step 2?

>>25326369
There's no proof/source on tilapia having carcinogens.
PCB's aren't a problem for Tilapia either since they aren't bottom feeders or large predators.

>>25326369
That's the first I've heard of this, do you have a source? Not that I eat Tilapia regularly, Salmon master race.

>>25324867
I live in Munich. A shitty apartment will cost you 800k+ EUR, plus another 100k+ EUR in closing costs. If you're lucky and have an older rent contract, you'll pay less than 1k EUR/month to rent a comparable apartment. Renting here is financially a much better choice (unless you bought 10 years ago, then you're far ahead, but hindsight is 20/20).

>>25326412
If you don't have any mechanic friends, family or acquaintance, try your luck with the thousands of youtube car channels, there should be plenty videos that discuss the most important things you should check before you buy a car.

>>25326341
do you live in afghanistan?
warehouse, amazon, food delivery did not stop hiring. no degree required

>>25316044
Pajeet

>>25326551
Fucking hell, why would you stay in Munich?
I share a nice 70m2 apartment with my girl and we pay 300€ each fr warm rent and utilities. I'm in Düsseldorf within 30 minutes and in cologne within 1 hour while living in a nice chill part of a semi large city. Life can be good when you don't get assraped by rent cost. ALso read Gert Kommer if you cosider ever buying property (in Munich or elsewhere rly)

>>25315953
Buying LINK

>>25325477
i tend to get dubs though, so maybe thats how i attract women

>>25326854
>I'm in Düsseldorf within 30 minutes and in cologne
>living in NRW ever

>>25326412
I suck at /biz/, just a tourist, but I love my cars so I'll help you out

Buy a mechanic friend for a couple hundred dollars

Go on yelp and look up mechanical inspection or something to that effect once you narrow down a car you want to buy and find a good example and communicate with the owner.
Don't buy eurocrap, it's expensive.
Buy a known reliable Japanese car. Lexus/Toyota is very reliable. So is Honda/Acura. Parts are plentiful and relatively cheap. Figure out the kind of car you want. You most likely don't need a heug SUV or pick up truck to say otherwise is usually a cope. Buy a small commuter car so figure out if you want a coupe or sedan. Since you don't have any friends, a smaller coupe probably makes more sense. Just look around, do your research, find out what kind of gas you'll use. 87 or do you need 91? An economy car probably will run 87, but consider your comfort too. A still relatively cheap luxury car (Lexus, or Acura) will have a few more creature comforts and will have a smoother, quieter, softer ride. So its a trade off. MPGs? Looks? Just really narrow down what you want. Once you know or have an idea, go on facebook and find groups for the particular car you want. Do some research, figure out common issues to look out for by literally searching 'common issues' in the group and how expensive they are to fix, if they're reliable or not, high mileage examples. Just do your homework and learn. Once you're ready with a car or a few in mind, go on market place, look for low mileage examples. One owner cars if possible. A few owners isn't too bad for an older car, but 1 owner, low mileage, boomer owned are holy grails. Take a walk and maybe find some for sale in your own block, or keep an eye out when you drive. Might find something. Autotrader is a good website for cars too. Once you find some good cars, message the owner, call them. Whatever. Get some info. Why they're selling. Ask if its okay to get someone to look at the car.

>>25326459
>>25326531
If you regularly eat fish that is sourced from farms, then you need to watch this.
https://youtu.be/MgrFXN4d1Jc
I pretty much only limit myself to eat certain brands of sardines if I want some fish, or stuff caught locally.

>>25317953
>>25316210
What app?

>>25316139
>yall
you have to go back

>>25326709
I have a degree in Accounting, it's fucking useless and no one wants to hire me. I will be trying amazon flex but what's the point? they pay £13 per hour and after fuel costs you're not left with much, also you can only do 30 hours a week max IF you can even get blocks which are taken by bots. Uber eats is a shitshow aswell, and i'm not willing to work in a cold warehouse standing 10 hours a day, that's slavery.

Having a fucking girlfriend or wife god damn drain on your emotion your money and your time just to fuck a hole

>>25326854
I know Gerd Kommer well, read most of his stuff. Good advice. I share my aparment with my gf as well so the overall cost is a bit less than 1k for each of us per month. I have a high income in Munich at a DAX company, so we sort of get along well...

>>25324014
>and (pay to) fuck jungle subhumans lmao
hey nothing wrong with some good jungle fuckin

>>25322990
>pets

c'mon nigger what? dog food is fuckin cheap. worst case scenario for a surgery youre talking like 2 - 3gs? WTF is this AFRICA? who the fuck doesnt have 5g to spend in an emergency?

>>25327199
Most people don't

>>25316396
My 07 Corolla is the most durable fuck that has ever existed. That thing survived a skid on black ice into a traffic light, came out with a crumpled hood, and still drove away. This car is the ultimate for people who DGAF about impressing anyone else but need to be able to get from A to B.

>>25327199
The vast majority of the peasant masses would be bankrupted by a 2k USD expense

>>25316460
>your retarded list is basically just a list of hobbies that people have.
A hobby is martial arts, which costs me less than $150/month

A hobby is an instrument you can buy once and practice with for hundreds or thousands of hours

>>25325900
I do BSA/AML stuff. tl;dr we have software that constantly monitors all our accounts and then if "potentially suspicious activity" is found (using algorithms, activity thresholds set in advance etc.) then it generates a case and we need to write a memo looking at all the customer info and stuff
If there's money laundering, transactions with sanctioned individuals etc. we write a SAR and send it to FinCEN
Pretty boring stuff but solid as a career, I get paid well and only do overtime once or twice a month

>>25327252
Can confirm. Corolla’s were m2-abrahm tanks in previous life.

women

>>25316330
Learn to take care of your vehicle properly and you can keep the same car for 20 or 30 years if you bought something decent at the start, my vehicles are always meticulously maintained and as such I can depend on my 25 year old car for almost anything

>>25327068
I'm an accountant and I've switched jobs twice because the offers are so good now. Half of jobs I applied to would contact me almost immediately
>£
There it is

>>25316460
I'm way Into cars and it's by far my biggest financial drain, but I never buy what I cant afford.

>>25318541
Penny wise pound foolish. Unironically ngmi

>>25319306
>. it is always a waste of money, not matter how little you spend on your cup
the "how little" vs your net worth/income part is what makes the waste matter or not though.

$5/day habits adding up are what makes people poor for sure. I'm naturally very frugal, but I no longer feel a need to be hyper frugal

$170k TC
$280k net worth

I probably got doordash every 2-3 days in 2020

>>25319446
>>25319707
Fellow bankfag here. Can confirm most people are pants on head retarded with their money. Never seen someone take out a cashiers check in their own name to store in a safe though, that's probably the dumbest fucking thing I've ever heard in my life. I process personal loans along with debt consolidation, auto, RV, and boat loans. This was our biggest year ever for RV and boat apps. There are tons of boomers out there along with some younger try-hards that are getting fucking TEN or FIFTEEN year notes on boats that are already over ten years old. I shit you not. Literally did a boat loan for some twenty something thot who was trying to keep up with the joneses and got a boat before getting a home. Lives with relatives, finances a boat. Can't make this shit up. Keep in mind, you're making the boat loan payments and insurance payments year round even though it's only warm enough to enjoy it 5 months of the year (midwest USA). Not to mention maintenance, registration, fuel, docking fees, etc. Biggest money pit of all time.

Also the high earners with huge debt is a thing too. Gotta have that conspicuous consumption habit. I've done loans for people that have consolidated between $20k and $35k in credit card debt. I've seen $700+ monthly payments on 84 month car loans, the works. So many apps we process are right on the debt to income ratio limit. In other words, we determine the borrower will be able to barely afford the payment along with their other debts, relative to the income they have coming in. Paycheck to paycheck basically. And people will get salty that you won't lend more. They beg to bury themselves in debt in order to CONSOOM a little bit more.

Third and final thing to mention is that it's unbelievable how many old people and boomers have social security as their only income source. Tons of people out there surviving on $1000-$1800 a month net. Don't be one of them. Invest for the long term.

>>25327310
Thank you. Scary stuff, better be my own bank.

>>25320530
>check into ship in December
>leave and attend training from January to the end of February
>get back
>get told that that night there will be a party for new check ins
>ask if it's required
>get told yes
>fuck, okay
>it's some bar on the outskirts of town, nearest bus stop is like a mile away
>fine
>get on bus
>miss the stop somehow
>get out, figure out which direction I need to walk
>turns out I was miles away
>eventually give up and call a cab to where I am on the side of the road
>I'm like 30 minutes late to this "party" now
>get there 15 minutes later
>party is winding down
>not a single person missed me
>pissed off that I wasted hours on this boondoggle
>go to bar, order a pitcher of beer for myself because I'm mad and dammit I'm going to enjoy myself for at least a bit
>wind up getting pretty tipsy
>guy who had attended the same training as me comes up, sees that I'm drinking quite a lot
>asks me if I want a ride
>nah I'm gonna get a cab
>says no really I'll give you a ride
>accept (he's a good guy)
>was way more drunk than I thought I was
>he gets me home safe although is kind of freaked out I live in the bad part of town
>go to bed around 8 or 9 or 10, don't remember
>have to wake up at 3:30am to get ready for work
>wake up feeling fine
>spend an hour getting ready
>walk 30 minutes to work
>get to the brow, they're doing motherfucking breathalyzer tests on every other person
>I get picked
contd

>>25327654
You’re just justifying unnecessary waste.

>>25327695
You’re wasting your money.

>>25318509
>doesn't realize that drinking coffee has health benefits such as prolonged life, boosted metabolism, and mental focus
stay fucking fat you loser. all that coffee money you saved isn't gonna save you from an early heart attack

>>25327752
was there any noticeable drop in consooming this year? or are retarded normies buying cars event when whey stay at home all the time?

Young people working a few years and then putting all their savings into a brand new car that nobody cares about and instantly loses value.

>>25325415
I work a wagie cagie retail stocking shelves overnight job and like half of my coworkers spend anywhere from $5-10 per work day on the vending machine.

>>25328028
not a bank fag, but anecdotally, most people are spending even more on useless bullshit. muh "gotta try and save small businesses"

>>25327834
>fuck me
>blow, guy tells me I blew a 0.21
>no way that's right that's like falling down drunk
>remember I used mouthwash in the morning, was probably that
>guy is looking confused
>check my watch
>ship's breakfast is going to close in like 8 minutes and I want to eat before the morning meeting
>ask him if he needs me to stick around or if I am free to go
>he says I'm free to go
>go down, get breakfast
>make it just in time
>after morning meeting tell my supervisor that I blew positive on the breathalyzer in the morning (because I was taught that it's important to keep him informed)
>he says okay
>immediately after I left he reported it to his boss, who decided that it wasn't worth the XO's time and it stopped there, but he told the chiefs of the department to put the fear of god in me
>after sweepers I'm sitting down to get started on work when a bunch of chiefs I barely know (this is literally my second day back at work) ask if I'm in
>they pull me into my boss' office, which is semi private but you can hear everything that happens inside
>start telling me how bad it is to blow positive on the breathalyzer, bad example blah blah
>they also mention next time don't tell your boss he dimed you out
>fucker
>they say they asked the sailor who'd been doing the tests, they say he said I stormed out
>immediately say no, I asked if I was free to go, he said yes, I was in a hurry to get to breakfast
>okay but you drove in, right? So you were drunk driving?
>no, I don't even own a car. I walk to work
>everyone immediately shuts up stunned
>look at each other (they probably thought I was lying at first and then realized I'm telling the truth because it'd be such a stupid lie to try to pass)
>okay well don't let it happen again, we're letting you off because the breathalyzer sailor didn't follow procedure

Anyway I spent the next 2 years after that not trusting anyone and severely limiting my drinking and I never did drive into work in case someone was out to get me

>>25319707
Heh. Reminds me of my banking days and the worst personal finance fuckup I ever saw. I was a platform banker. So, to answer the thread question, it was having kids at the wrong time with the wrong person(s).
This guy was negative $1.5 million in his account. You probably caught on already.
Yup he didn't wear a rubber or the pull out game was weak or whatever happened to give him the gift of child support multiple times over. And he never paid any of it. Government comes in and requires us to adjust the balance that way hoping to get his income. And it just keeps getting deeper and deeper. He worked fast food and would cash the checks, lived that way, only had the account to cash checks cheaper than the cashing shops.
Living paycheck to paycheck is a total reality for this dude. Forget investing. He can never save anything, except under the mattress, or it's gone to that seven figure void. Effectively ruined his entire financial picture.

>>25315953
Women

Bottled water. Bottled water makes sense in places where the water is contaminated, but I have friends who drink it even in our city which has high quality water. My friend is like "I'm worried about getting bitch tits from plastic contamination" and I'm like "Dude what about the microplastics in your water cooler, also you have bitch tits because you drink like 4 beers a day...". Like, if you're worried about tap water contamination just do the math and buy a home water filter. Way cheaper. I only have to pay $30 a year to replace my filter. And then people have the gall to complain that they don't get pain enough. Like, yeah, maybe, but you also spend way too much on dumb shit!

>>25328094
I've noticed this a lot in the past few years and really want to invest in a bunch of vending machines and put them at blue collar workplaces. Kind of scummy but if the idiots like it and can't understand how to prepare food then I don't give a shit

>>25315953
wasting money on alcohol and drugs.
kill yourself if you want to feel something so badly

>>25328028
There was a very noticeable drop March thru May when everyone was shitting their pants and though they were going to die of they set foot outside. Also many of our branches were closed and the ones that were open were drive thru only. I don't have all the numbers and reports because I'm not a manager, but just from the volume of applications I personally dealt with, overall I'd say there wasn't much of a drop from last year. Plenty of car loans. The surge in boat and RV loans was due to the shutdowns putting the kibosh on travel and other activities so people with disposable income had to make their own fun boating and glamping. Plenty of people taking out personal loans to pay for stupid shit or shit they need but don't have savings to pay for because they live paycheck to paycheck.

>>25328139
Its kind of retarded youd be forced to go to a mandatory party and then breath tested the very next morning

>>25327100
I want to have one but the way you put it always makes me not want one, I want a woman who would really love me and that is also beautiful but I am coming to realize that they are all vapid fucking whores.

>>25328142
you feel bad for him, but due to those circumstances he isn't even able to imagine a different future, or desire a different way of being. He lives in the eternal present now, and has likely achieved enlightenment.

>>25315982
I actually save money by socializing because my friends like to host so I get free meals, and also I get to use their crunchyroll and funimation accounts without paying. Also I get rides so that's less money spent on uber/lyft or gas.

>>25319508
Same, almost.
>$2500 2004 Honda Accord owned 5 years
>do all work myself, it’s super cheap and easy
>get frequent compliments on my car

Why would I spend any more?

>>25316112
>being a wagecuck
you already failed

>>25316460
>some people are niggers
>some people are faggots

Letting all their money accumulate dust in a bank instead of investing it.

>>25328021
>believing pop science

>>25316595
Okay, I will bite on your scam, why do I get free money for posting on some offbrand LinkedIn blogging thing?

>>25328021
Does weed cure cancer?

>>25326980
I eat fish like once a month, not really worried. Still, thanks for the link, I'll check it out.

>>25328524
Yeah later I heard through the grapevine that the command master chief got scolded because he planned that shit the morning after all the officers were out drinking at a semi-official event. I probably wasn't the only one who blew positive but I think they swept everything under the rug. According to the regulation, after blowing that high they should have escorted me down to medical for observation and possibly an IV. Instead they let me go wander around a ship made of hard metal where I could have got myself killed in any number of ways if I had really been drunk.

Never join the military. It's a fucking shitshow.

>>25326370
>Move to Europe where you can take a bicycle or bus to get to work

I actually did this in USA. My roundtrip commute was 16 miles. My cash savings were as impressive as my levels of fitness. When it rained I took the bus which was 1 mile away. Amerifats just don't try, they want life on easy mode 24/7. That route included killer hills both directions. The route allowed me to hop off, enjoy coffee, socialize, run errands, buy food, listen to podcasts, etc. There was a shower at work, if I needed it, which most of the time I didn't because my health level (possibly a mostly veg diet as well) meant I didn't stink. After work I'd run, hit the gym, take a sauna. The gym was another mile the other direction. Best time of my life was during this era. Full time work, best health ever. Saved a fuck load of money. Only late once due to a flat tire (which I fixed in 10 minutes). Cars are not just a money trap, but a life trap and a soul trap.

The only downside risk is that, yes, you have to ride in traffic, among assholes, but that means you ride strategically, on side streets, adjust how you ride in inclement weather and conditions, etc.

>>25328804
I'm guess the best investments similar to saving are bonds or CDs?

How many fucking brand new GM cars I see everyday. Have fun selling it used for 2k in three years

>>25329003
how about TQQQ

>>25323596
Tally it and force yourself to cry.
I know I need to do the same thing.

>>25328978
This post exudes biker energy, and by that I mean you are purposeless and your time outside of work has no value to you, so you easily fall for the "cagers are trapped" meme because the limit of your ideological self is "good feel good".

>>25328978
Nobody wants to get to work sweaty. And public transport is useless most locations. I used to take the bus to go to school, it was shit. It passed every hour and took like 35 minutes for a trip that should be 15 minutes in a car, just the bus ride alone. Not taking into account the waiting because if you missed it, its an hour long wait for the next one.

>>25328654

Tell me how do I do this? I'm a complete cuck when it comes to socializing. I end up losing out while everyone at these parties laugh at me behind my back.

>>25316460
>liking shoes as a hobby
lmao

>>25329048
>>25323596
>relevant

This board is the mirror of /r9k/ you incels don't get it yet , you need to spend in order to get a life. Raising a family , getting women , having fun or hobbies cost money. This is truly the weakest and most uneducated low iq board on 4chan hahah

>>25329041
how about suck my asap cocky

>>25329133
Well, different people have different strengths. People say I am a good listener and good at humor. Being good at listening is something most people can do with a little effort, and most people secretly really need a confidant they can share their fears and insecurities with, then you just praise and reassure them. People will also be flattered if they notice that you remember small details about what they tell you, because it makes them feel interesting. This is all obviously easier to do if you genuinely like the person. Also, people often like when you ask them for advice every once in a while, because it makes them feel smart and useful, especially in an area they are good at but don't usually get asked about. Random (sincere) compliments are also good, especially on taste or intelligence/judgment.

>>25326931
>Buy a mechanic friend for a couple hundred dollars

Lel. Mechanics is a bitch, let me tell you. Cars are fuggin' complicated. That mechanic is going to look at your 20 year old valuemobile and grin ear to ear because you are going to be a repeat customer. There is no such thing as a cheap mechanic, you get what you pay for. Pay a little, you end up paying 4 hours vs. 1 hour for someone who knows what they're doing- and good luck finding the in-demand skilled mechanic that can fit you in. Pay a little, and that oil plug nut they over-torqued splits the gasket when you're running flat-out on the freeway, and you lose pressure and now you're into towing, and engine overhaul. Good Mechanics are in high demand most of the time, so a shop near you might have a bunch of seriously inexperienced people with too many cars to work on. A car in running condition is a complex thing and there are literally so many ways you can unbalance it. They are money pits. They are a false dream of mobility and convenience. This hallucination of power & control is so strong that it will drive you to make many mistakes in life, like thinking you can move 30 miles away from your job and it will be no problem because you have heated seats. Stop! This is female-tier thinking.

>>25329208
post your shoes

>>25329208
>something about consuming product and getting excited for next product
Pork and beans and roast carrots and money in the jar and video games on budget hardware from five years ago and never listening to a nagging soulless woman talk about how necessary it is that she have the right to kill off her unborn children.
That's the life for me and you can seethe as much as you want but you can't have my low cost average on UUUU.

>>25329300

So, I should just make people feel like they are important?

>>25329087
Biking doesn't always take less time than driving, especially on city streets or places where freeway traffic is stop and go every morning/afternoon. You are right on how obnoxious they are though, I think all the endorphins give them a superiority complex.

>>25325295

>paying a mechanic to install spark plugs

Post tits.

>>25329350
It's late here in EU , but they range from armani jeans to phillip playne boots to Louis Vouitton shoes which range from 500 eu to upwards of 3k.

>>25329403
Yes, but in a subtle way that makes it feel like they're charming and entrancing you, which is why it's best to find people you actually admire in some way. Still, most people have some positive attributes you can genuinely appreciate. Oh, and never criticize people, at least not until you're a few years into the relationship.

>>25329394
It has nothing to do with consuming but having great taste and living the short life to the fullest. Starving yourself from all the good stuff is a no life. Sorry anon

>>25329403
Not him but yes, of course you should, especially if you want people to like you. Go look up a guide to social interaction for sociopaths and just follow that. Or read Carnegie's How to Win Friends and Influence People.

>>25315953
not using coupons

>>25317109
My three daily pots of fresh ground french press cost me like $7 a month.

Paying $3-5 for it by the cup at Starbucks or wherever is 100%retarded

>>25318997
this. literally the saddest form of consumerism.

>>25329087
The commute by car was 20 minutes, by bike it was 45. Thats one podcast, give or take. So I got loads of aerobic exercise and expanded my mind listening to this generation's best and brightest, & like I said, best time of my life. I will also admit that, at the time I had a car and could have driven (cheated once or twice I admit). Cagers ARE trapped. They don't know it though. Life for a cager is living in a fantasy of the open road when in reality its tomb with their bodies and souls sealed inside. The landscape they transit is actually series of tubes that connect small areas. Their sensations and state of mind are numbed into senescence. They emerge from the car WEAKER every time. Fuck, just look at people get out of their cars at the grocery store parking lot. Its like watching crippled people, the way they are so unsteady.

>>25329121
I used to be a cager. I used to maintain my own cars. I've done the economics of cost/mile. Its a trap. A fantasy. A complete waste of life. As for missing the bus, when missing it is not an option, the bus is never missed. Everything else is excuses.

Rode that bike into the ground, guess what, took it to the bike shop, an entire overhaul of the drivetrain was under $300 bucks, gtg for another 50-10 years.

>>25329455
>city
Affordable living, you say
Kek
Did you just get an offer you couldn't refuse from an old industry monolith or something?

>>25329571
You have no taste in anything, anon, you just lead a directionless life to the extent you try to win a feeling of eliteness by trying to have something over the absolute dregs of society on 4chan

>>25328804
fucking hell I know so many people accumulating thousands and it just collects dust on a bank account, sometimes they even pay penalties for holding too much money on one account.
Of course you should save cash, but at some point you could try investing into anything

>>25329757
>sometimes they even pay penalties for holding too much money on one account
what jewish bank charges you for having too much money?

>>25329654
Man, I didn't expect you to bait yourself out this fucking hard. Imagine being a cultist for something like riding a bike, what a pointless existence.

>>25329781
Established German banks like Sparkasse

People working jobs they hate so they can get money the government prints out of thin air so they can buy shit they don’t need to live a life of cost and consumption. If only they would meditate under the banyan tree and live off free cosmic energy.

>>25319675
Ammo is expensive even before it got really expensive. Guns hold value decently well and you can hawk them at a moderate loss if you are ever tight up

>>25329580
>>25329547

How do I make it sound like I'm not some bonehead listening to their word everytime? I know people personally who love to talk about themselves or their favorite hobby and I sometimes get caught in a one-hour monologue about xyz that becomes a real drain for me. Sometimes I catch up with what they talk about but I have a hard time following it through the next time I meet them. I don't want to feel like some npc asking them the same thing over and over every week too.

>>25329833
>Sparkasse
super weird, i've never heard of US banks doing this, at least none of my banks have fees for that
is it so you're pushed to invest instead, since these are public banks?

>>25329455
>You are right on how obnoxious they are though, I think all the endorphins give them a superiority complex.

It is that, too. An earned sense of self-esteem is commonly recognized by others as a superiority complex. More accurately, and harder to admit, is their literal and actual superiority.

Bikers have "skin in the game". They're keyed up, ready to explode, hyper-aware. The dim-witted somnolence of the cager is in stark contrast. Every single day I'm risking my life, and building hardened muscular and sweat equity, while they're literally draining energy and money from theirs. They're cunts. I'm just going to say that, generically, for everyone out there reading. You're a cunt unless you are physically handicapped. And trust me, physically handicapped is where cagers are heading.

>>25329914
Pretty sure it's because of negative interest rates.

>>25316460
no one has yet pointed out that this is obviously a woman? fucking r.eddit man

>>25329914
It's a money tax, in Germany they put an emission sensor in the busiest crossroads in a city then tax the entire county for that level of pollution. In Germany the working man buys one euro cigars and the man living off the state money buys the five euro cigar, and that one I heard directly from a west German shopkeeper

>>25329331
That's why you find someone trust worthy, if your car breaks after they're supposed to fix something simple then you give them shit, get your money back, fuck if I know. Never happened to me. A few hundred for a couple hours of their time isn't bad for an independent mechanic. There's plenty of decent mechanics that will check out your car for you, its a lot easier to earn money telling you what's wrong with your car rather than fixing something, especially doing a full engine overhaul. Trust me, mechanics don't exactly enjoy busting their knuckles.

Cars are valuable if you don't enjoy wasting your time. Riding bikes is for cucks. Depending on where you live, cars are basically a necessity to get around. There's no false dream of mobility or convenience. You can go anywhere you want. Whether or not you do, is up to you. I've gone on long road trips in my car that I wouldn't be able to do otherwise. AC is convenient. Heat is convenient. Not waiting on a BUS in the cold/rain or in the blistering sun and just being able to go wherever you wish is convenient. I know, because I've had to get around without a car before. It sucks.

>>25329654
>Cager
I don't know why I'm bothering, but I'll bite. You can listen to podcasts while you drive too, you dink. And not sacrifice the much needed attention/situation awareness you desperately need while riding a bike to not get creamed on the road that you partly get rid of with earbuds in your head.
I've never missed the bus. But I was always aware of the consequences if I made a mistake, or more likely, the buses didn't run on time or something happened out of my control that would effect my planned public transport trip. Being at the mercy of others and relying on anyone except yourself to commute is something adults are not interested in. I used to ride a bike too. Sometimes for fun, sometimes for commuting. Its fun. It can be better to bike sometimes, but if you write off cars completely, its pants on head retarded

>>25329757
>>25329914
>>25330010
I don't know if this was a Germany-only thing, but back in the day people put their money in savings accounts with crazy rates like 3% APR, and now it's like that but in the negative lmao

>>25329938
I personally am a water drinker but I don't feel a euphoric sense of self-worth above benighted consumers of alcohol, caffeine, and corn syrup, because I'm just doing it to avoid diabetes, not to suck my own dick.
I also take gummy multivitamins, does my superior nutrient absorption also make me one of the Ubermensch?

>>25329802
Albert Hoffman, discovers LSD on a bike ride
Steve Jobs wanted to make "a bicycle for the mind"
Bicycles are literally the best exercise machine ever
Churchill said his hope was renewed every time he saw an adult on a bicycle (aftermath of WWII)
>The global bicycle market size was valued at USD 47.51 billion in 2017. It is expected to expand at a CAGR of 6.1% from 2018 to 2025.

And guess what else is coming cagers? Taxes and penalties. Penalties for the pollution you guys create every day. Social penalties for people who are going to cut you out of their lives and opportunities because you won't stop your habit. You are going to pay, pay, pay. For the poison coming out of your tires. For the blood that was spilled for your gas. To the insurance, to the mechanic. And the physical and psychological fees.

Maybe one day you can be this based. Maybe you'll be one of those cunts driving around with the bike on the back (my favorite) like a complete idiot. Maybe you can huff and puff your fat ass until you lose 20 pounds. Oh yeah. You and sweating and swerving to avoid near misses with cars, getting rained on, shouted at, stuff thrown at you. You too can earn a superiority complex. It won't be easy, but nothing of value is easy or easily bought.

>>25330140
It went from 3% in the US to like .5% though they risk your money investing irresponsibly now just like then.

This thread is a fine example of why you guys are becoming my best bros over the past few months. Seriously, lots of good advice here on how to live frugally. I'm keeping this saved! \m/

We're all gonna make it!

>>25330177
I'm still genuinely unsure if it's copy pasta

>>25330140
>3%
My mother put hers in a 7% one, but the next year it turned into 3% and after that 0.1%. 2008 was a meme.

>>25329880
And why do people own guns? Its literally a waste of money. There is no reason to own one. I have never had a single problem in life where shooting it would have solved it.

I think there is a old saying, "He who lives by the sword dies by the sword". I know people who literally own a collection of swords too.

Protip: there are literally a million ways to waste your money in this world, these are just two.

>>25330188
I still have a savings account that my parents got me when I was a kid when I should deposit some birthday money to learn saving and stuff like that.
I get "0,01%" APR on it. They give me a couple cents once a year just to rub it in our faces haha

>>25326282
>i need sugar and fat in my food to make it palatable!!

>>25319665
>unfortunately all of this is true. so, how do i short poor people?
own stock. let them work for your portfolio

>>25330262
True, honestly a dildo collection would hold value better and be more practical. But really, a collection of books on critical race and feminist theory would go a long way towards rehabilitating these crybaby manchildren. It's time to modernize and reintegrate into society, sweeties. You owe that and so much more to your betters who you have been oppressing. Sell the guns and hit the books, little boys.
God Bless :)

>>25330309
Sugar is useless high insulin response processed carbs, but fat builds satiety and is absolutely necessary in any long term diet. Instead of avoiding fat, avoid refined carbs including excess bread and pasta.

>>25319446
>People who get a million dollar settlement from an injury lawsuit or an inheritance and then spending tens of thousands of dollars at... Walmart. Or TJ Maxx, or Ross. Who the fuck does that?
kek, this is the craziest to me

>>25330140
>>25329959
>>25330010
crazy, thanks for the context. hopefully savings account rates don't go negative in the US lol... i guess it's not a huge deal if so, you could always just buy more equities, but it's nice to have an emergency fund quickly accessible

>>25329886
Well you should talk about yourself and your interests, too. Hopefully you can find friend who share your interests, so you can just talk about that and both enjoy it.

>>25330557
Honestly, the Walmart ones might be really dumb or really smart. Ever see the prices of dry goods there? These snobby rat kike bank employees may not realize it, but you can but everything you need to live at Walmart and then just never work again and only shop four times a year if you know what you're doing.
But genuinely mind your own business you sneaky Jews, it's theirs to waste as they like, maybe we wouldn't keep it at home if you offered actual interest rates, you're just a necessary evil due to direct deposits. Regular cash withdrawals of uniform amounts also means they're paying rent in cash to dodge your jew cousins in the IRS