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/biz/ - Business & Finance

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11068681 No.11068681 [Reply] [Original]

Hey /biz/ am I able to move out of my parents house now? I’m 21 and here are my expenses:
>food 250
>car 500
>car insurance 400
>student loan 200
I make $1500 a month right now. I also have $20k in crypto that I can sell to pay for rent if I need to.

>> No.11068704

>>11068681
that's a hideous trap, oof

>> No.11068720
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11068720

>>11068704
If by trap you mean beautiful woman then yeah

>> No.11068723

>>11068681
car 500?!?!?
like take the bus for 3 months and BUY a car with that saved money.
geez

>> No.11068733

>>11068681
She's hot OP, you hitting that?

>> No.11068738

>>11068681

> $500 car with a salary of $1500

What an autistic doofus

>> No.11068741

>>11068720
well at least he lost some weight, maybe that's a cure to the obesity epidemic in burgerstan

>> No.11068744

>>11068681
>>car 500
>>car insurance 400
do Americans really do this?

>> No.11068748

>>11068681
That leaves 150 a month for rent and utilities. You can't afford to move out.

>> No.11068760

>>11068744
the jews will give anyone a loan

>> No.11068771

>>11068738
Trap lovers aren't burdened with an overabundance of schooling

>> No.11068780

Your expenses are 90% of your income. How do you imagine moving out?

>> No.11068799

>>11068748
>>11068780
But if I use some crypto I then I’ll be fine

>> No.11068806
File: 23 KB, 374x374, professional pinkjak.jpg [View same] [iqdb] [saucenao] [google]
11068806

>>11068681
>I also have $20k in crypto that I can sell to pay for rent if I need to
It'll only be $2k when you need it, then it'll spike back up right after you reluctantly sell it all, despite wanting to hold through the dip. Trust me, I'm an expert on these kinds of things.

>> No.11068825
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11068825

>>11068741

>> No.11068834

>>11068681
You should not move out of your parents' home until you either make a much larger wage or have much greater wealth. For your cost structure, you will probably need to gross at least $2,000/month to have a reasonably good chance of making it on your own. Ideally, you would gross at least $3,000/month.

The $20,000 you have in cryptocurrencies cannot be counted upon because of its volatility. That is, when you have to sell cryptocurrency to raise cash to pay for something, it's possible that the $20,000 might be worth only $2,000. Of course, it might also be worth $200,000. (Don't count on it.) Being that you don't know, you don't know how much purchasing power your cryptocurrency will have when you really need to use it.

>> No.11068889

>>11068834
What if I just put one years rent into Teather?

>> No.11068903

>>11068825
Gow the fuck did he got a bigger jaw becoming a tranny?

>> No.11068936
File: 70 KB, 622x621, wat.jpg [View same] [iqdb] [saucenao] [google]
11068936

>>11068903
it's all so confusing
down is up, in is out, dicks are pussies. I just can't make sense of any of it

>> No.11068959

>>11068681
>900 smackerinos
just live in your car, you are already renting it

>> No.11068960

>>11068889
You still have a problem in that you don't gross enough money. Of course, if you insist on moving out you can. However, you would be living pretty close to the edge. Why do that unnecessarily? While you're still in a relatively low cost of living situation, you need to take steps to increase your income and wealth.

When you live paycheck to paycheck, you run a very substantial risk of your job taking advantage of your situation. Focus on gaining experience, skills, and training/education to get yourself into work that pays a lot of more. $1,500/month is $18,000/year which is pretty bad for a person with student loan debt (I'm assuming you're still in college.) Move out when you land a good job that pays a lot better than what you're currently making.

Finally, as others have already pointed out, don't do any more stupid crap like buying an expensive car. I don't know the term of your loan but I have a strange feeling you've taken a 5 year loan. That's $30,000 in principal and interest. You should have bought a car for under $20,000. You could probably buy a used car for under $10,000. Also, you're paying $4,800/month in auto insurance because of the car you bought and your age. I pay a just a little bit more than $400 for a *year* of liability insurance (my car is old enough that I no longer buy collision.)

>> No.11068974

>>11068681
> guys i have 150 free income, can i move out????
Sure if you plan on living in your car

>> No.11068995

>>11068960
>you're paying $4,800/month
I meant "you're paying $4,800/year." That is just sickening. You do realize that you have to gross about $6,500 to be able to spend $4,800, right? Income taxes, Social Security taxes, and Medicare taxes take their chunk. The median person in the U.S. grosses about $30,000/year. That means just your auto insurance consumes over 20% of the median person's wage, which is 66% higher than your wage.

>> No.11069028

>>11068681
save up a contingency fund that covers each of those expenses four times and also first months rent at new place and you will be fine.

>> No.11069047

>>11068681
>21 year old retard spends 60% of his income on a fucking car
looool, stay in your parents basement you stupid fucking cretin

>> No.11070052

>>11069047
>t. Beta with a Honda Civic
I love my Porsche

>> No.11071065

>>11068681
Gonna give you some boomer advice. Take advantage of your parents while you can. Keep saving until you're 25 or until some of your cryptos work out. I know it feels pathetic to live with your parents, but if you hang in there for a few more years, you'll be much better off.

>> No.11071414

>>11068720
even if you convince yourself that this man-made creation is a woman and perform intercourse on 'her', you will still be sticking your dick in another man's rectum

Think about that

>> No.11071433
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11071433

>>11071414
What's wrong with that?

>> No.11071455

>>11070052
>Porsche
Yeah, I drove a Volkswagen once too

>> No.11071650

>>11071433
this is why we need another world war

>> No.11071682
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11071682

>>11071650
Sounds like you have repressed feelings anon. Nothing wrong with liking feminine dick :3

>> No.11071688

>>11068960
>>11068995
this, but he doesnt have to gross 6,500 to spend 4,800 because he's in a low bracket and likely always will be looking at his budget/bills

>> No.11071742

>>11068825
What in the serious fuck
How do we even tell except for when we get to the bedroom stage? That memepic is becoming real, the one where the trap says "well. This is me"

>> No.11071782

>>11071742
voice, smell, mannerisms are that of a gay guy rather than an actual woman, adam's apple, narrow hips, awkward male walk

>> No.11072324

>>11068681
SOURCE!

>> No.11072433
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11072433

>>11068825

FCKING PUSSY ASS FAG TRANS BITCHES , THEY DONT WANT TO HAVE A PENIS THAT MAKES YOU ABLE TO MASTURBATE AND FUCK THE SHIT OUT OF GIRLS , TO ONLY GET A UGLY MANWOMAN ????? HOW FCKED UP YOU HAVE TO BE SRSLY?? FCKING MEDIA AND PRESS MAKING SHITSUBHUMANS LIKE HIM/HER/IDC FUCKING MAINSTREAM!!

>> No.11072456
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11072456

>>11068681

How about yo make some
further education in your job? 1.5k$ LMAO thats not even the minimum Welfare payment here in Germany , a lot of people even dont stand up in the morning for that amount of money LMAOOOOOO

>> No.11072464

>>11068681
>Hey /biz/ am I able to move out of my parents house now?
If you are able to find a place where the rent is about $100 sure. Can you not do simple math or something?

>> No.11072593

$400 car insurance. is this normal? i'm 26 and have a 2018 subie sti, paid off, and i pay $100/month for comprehensive

>> No.11072682
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11072682

>>11068806
can confirm

>> No.11072708

>>11068681
Are you fucking retarded?

How are you gonna pay for rent, bills etc. with $150 left after those expenses?

>> No.11072740

Is that $400 a month for car insurance? Mine is like €31 a month lol

>> No.11072833

>>11068681
if you lose the car, yes. otherwise, what the fuck are you even thinking?

>> No.11073238

>>11072740
Jesus what country are you in and what do you drive?

>> No.11073423

>>11068744
What the fuckery fuck is this? I pay 150 EUR in Central Europe for the whole year. Why is this allowed??

>> No.11073445

>>11068834
When amerifags are givong their yearly salary is it before taxes say 60k or after taxes? What is the usual?

>> No.11073453

>>11072456
Is it €1500 after taxes or before?

>> No.11073468

>>11071782
>smell
What?

>> No.11073490

>>11073468
>he doesn't know about pheromones

>> No.11073503

>>11068825
He looks more manish as a woman than as a male. What a pussy obvious fag

>> No.11074521

>>11073423
Which insurance company if you don't mind me asking?

>> No.11074886

>>11073490
I thought pheromones were a meme?

>> No.11075303

>>11073468
>being this shut in

>> No.11076367

>>11073468
I seriously hope you're joking. Men and women have totally different smells. Even different races have different smells. This is a known fact.