/biz/ - Business & Finance

[Anonymous No.18390785]

Why are so many people living paycheck to paycheck?

[Anonymous No.18390808]

Because America is a broke country full of broke people.

[Anonymous No.18390816]

>>18390785

Because they’re retarded and fall for consumerism, capitalistic scams, and most of all fall massive victims to marketing... they also buy an incredible amount of shit on finance (cars, TVs, couches etc) because they want stuff NOW and don’t know how to conceptualise waiting or saving for something

Basically they are NPCs

[Anonymous No.18390822]

>>18390785
Because it's the economically responsible thing to do in a debt-fueled society. Saving money is useless and inefficient.

[Anonymous No.18390835]

>>18390816
would our stonks go up if it weren't for braindead consumerism of the masses?

[Anonymous No.18390842]

[Anonymous No.18390858]

>>18390842
>source: thealternativehypothesis.org
Yikes.

[Anonymous No.18390875]

>>18390842
>i can't talk anything other than my hate of blacks, the conversation must always shift to this exact topic

[Anonymous No.18390882]

>>18390785
>Did you see that show on kikeflix, dis+, that movie in theaters, and eat at that one resturaunt (ugggh I hate making cheap meals myself), try that one drink at starfucks? By the way do you know any place that will let me finance for a new BMW with somebody who has maxed out 10 credit cards (couldn't help it, the sales wew to good!!!!!). Anyways, how can anybody save money these days when it's so hard end up with spare money after necessary spending cuz I would just diiiiiieeeeee with without getting the be next kike markets product.

[Anonymous No.18390896]

>>18390882
you raise interesting points, but why did you have to bring in antisemitism into it as well?
>kikeflix
>kike markets product
what, you think we should kick out all jews from the US?

[Anonymous No.18390897]

>>18390842
Anyone who contributes to the economy is part of the problem. You're cucked if you aren't taking more from society than you are giving.

[Anonymous No.18390915]

because the majority of people denominate their wage and hold their wealth in something that's value is designed to decrease at a rate that stops them accumulating enough wealth to be able to afford to stop working

[Anonymous No.18390919]

>>18390875
>Yes, only white men pay a net positive, but that has nothing to do with finance

[Anonymous No.18390938]

>>18390896
Make it 110 and end usury. Fuck off and go back to wsb.

[Anonymous No.18390940]

>>18390822
Correct. Why save something that loses it's value incredibly predictably. Your only priority should be to own land and as much self sustainability. After that spend whatever the fuck, it's all going to 0 soon

[Anonymous No.18390948]

>>18390919
let me ask you this then: WHY do blacks affect per capita budget in a negative way? do you have an answer for this question?

[Anonymous No.18390971]

>>18390858
>>18390875
>>18390897
Doesn't change the fact that Whites are paying for every other group to exist, particularly White men. In fact, White men are basically paying for every non-White and female to exist.

[Anonymous No.18390981]

>>18390875
>dont even hate blacks
>just like making normies angry by posting hate facts

[Anonymous No.18391005]

>>18390971
men pay more taxes because they are paid higher salaries, which then leads us back to the question: why are men paid higher salaries?
or do you have another explanation as to why women pay less in taxes?

[Anonymous No.18391027]

>>18390858
Yikes is not a refutable piece of evidence.

I went over the number last winter, he's not far off. America is cucked and the white folk have let it deteriorate.

[Anonymous No.18391036]

>>18390785
Because they are stupid useless faggots

I am a worthless single dad with two kids to care for and even I don't live paycheck to paycheck. I was given literally nothing and still I can manage it. These people are complete shit

[Anonymous No.18391040]

>>18391005
This has been covered almost a decade ago. Seriously, you're greatly behind the curve. Get a clue and do the research yourself. Elsewise buzz off.

[Anonymous No.18391050]

>>18391005
Irrelevant, women should be at home raising the family.

[Anonymous No.18391066]

>>18391005
Why would a woman get paid the same as a man when her job isn't as hard or doesn't require as much skill? Also, the gender pay gap is a myth because lots of women choose not to take higher positions that require more responsibility and time because they want to get married and raise families.

[Anonymous No.18391083]

>>18390971
YIKES. Buy sex.

[Anonymous No.18391136]

>>18390948
there's dozens of studies covering why, dating all the way back from the 1900s, and still being produced with regularity, despite politically correct censorship
and there's dozens of sophistic arguments fresh faced 19 years old first year college boys like you use to ignore the data (and to prove you're oh so very smart - come on now. anyone in their 30s has seen your type not dozens, but thousands of times in their life)
the belief winning internet arguments is the most important thing in the world is basically the personal growth version of the question OP asks. you're patting yourself in the back for stunting your own development, all for the sake of instant gratification
no girl will touch your peepee because you told off the mean folks at 4channel.org
and while you think your youth lasts forever, in just a few years you'll feel increasingly tired and slow
wasting time being a 105 on purpose is one of the most financially harmful decisions a reasonably intelligent man can make. most blacks can't help themselves, but you can and should

[Anonymous No.18391181]

>>18390835
Yes, quality stocks that create value would. The banking sector would be much smaller/profitable, but who needs leaches anyway.

[Anonymous No.18391249]

>>18390785
population has exploded faster than job creation, which isn't helped by college being tens and tens of thousands of dollars a year, which puts people in debt to where they cannot take the risks necessary to create business.

[Anonymous No.18391264]

>>18391005

Job selection, child rearing, THE FACT WOMEN IN WORKFORCE SHOULD NOT BE NORMAL!

[Anonymous No.18391310]

>>18390897
based disabled poster living with mom

[Anonymous No.18391313]

>>18391005
cringe

[Anonymous No.18391325]

>>18390785
because competition of usury and lie has not only winners, but losers too. That is part of the capitalist game. You need a lots of poor people in order to have one rich.

[Anonymous No.18391331]

>>18391136
Sounds like a projection to me boomer

[Anonymous No.18391334]

>>18391181
>>18391181
>acts like a faux-intellectual reddit nigger
>can’t even spell “leeches” correctly
cool

[Anonymous No.18391349]

>>18391249
Which also deflates the value of a degree. Getting a Bachelor's is almost getting the equivalent of a GED nowadays.

[Anonymous No.18391353]

>>18390785
Cost of living.

[Anonymous No.18391361]

>>18390785
Massive immigration and inflation with payroll stagnation.

[Anonymous No.18391364]

>>18390940
>why save money
Paycheck to Paycheck NPC spotted
Save your god damn money or invest it all you fucking moron, you're supposed to try to make it jfc

[Anonymous No.18391370]

>>18390785
People are paid less for the same work than 70 years ago.

[Anonymous No.18391375]

>>18390858
Kill yourself.

[Anonymous No.18391381]

>>18390875
>Fuck making society worthwhile.
Okay, nigger.

[Anonymous No.18391387]

>>18390897
Loser cope.

[Anonymous No.18391388]

>>18390948
Because they are r-selected genetic trash.

[Anonymous No.18391404]

>>18390948
>WHY do blacks affect per capita budget in a negative way?
Welfare and gibs, fucking idiot.

[Anonymous No.18391411]

>>18390808
fpbs.. unfortunately.

[Anonymous No.18391412]

>>18391005
>men pay more taxes because they are paid higher salaries
Not in my commie state.

[Anonymous No.18391424]

>>18390971
>cryptocurrency makes white males capable of creating things of value rich
>get massive amounts of hate from nigger and whore hoards who wasted Al their money on bullshit
>leave America
>the country has no income to pay for gibs
>America burns
The future is going to be so nice.

[Anonymous No.18391475]

>>18390897
Can’t tell if accelerationist or NEAT or both.

[Anonymous No.18391501]

>>18390948
>WHY do blacks affect per capita budget in a negative way?
bc they are crime magnets. lazy loud rude obnoxious and smell like shit. any other questions?

[Anonymous No.18391806]

>>18390785
Many people live for instant or very short term gratification. Their finances reflect this.
>>18390822
Spending money on things of value can be responsible. $200 pairs of shoes, $15 fast food meals, and $5 cups of coffee maintain no value.
>>18391325
Stop. Most people living paycheck to paycheck aren't being robbed by the rich in some twisted system. People freely give spend money on crap they don't need that will eventually be worth nothing. Occasionally buying unnecessary stuff is OK and even healthy. Doing it often can only bring ruin. All it takes is finding a situation where those dollars could have been better spent had they been saved to begin with.

[Anonymous No.18391808]

>>18390875
>>18390858
>>18390897
>>18391005
>>18390896
>>18391136
>>18391083
>>18390948

Dumb cuck posters

[Anonymous No.18391821]

>>18390785
Late Capitalism

[Anonymous No.18391870]

>it's all teh individ00ls fault it has nothing to do with modern day crony capitalaism

[Anonymous No.18391900]

>>18391821
This and only this

[Syndicate Anon !3sc4.FSqlg No.18391907]

>>18390785
Wage/Labor and Surplus Value

[Anonymous No.18391916]

>>18391821

[Anonymous No.18391967]

>>18390948
Don’t need to know why. Just need to remember that they do.

[Anonymous No.18391980]

>>18391870
It has much to do with existing systems. That said, it is still all the fault of individuals. The vast majority of Americans and Europeans have a surplus. Nobody chooses how they spend that surplus but the people themselves.
Stop being retarded. Live a comfortable but not lavish life. Save money. Buy a house and be happy. It's not that difficult.

[Anonymous No.18392048]

>>18390858
I don't agree with his politics but as far as low key white supremacists go he is at least very well reasoned and use sourced evidences as much as possible.

[Anonymous No.18392060]

>>18390897
With this philosophy you'll stay poor all your life.

[Anonymous No.18392080]

>>18390816
It's true though. Working a full time job on minumum wage even gives you more than enough money for rent and food, and it's really not hard to find a job that pays over minumum wage.

[Anonymous No.18392089]

>>18390948
The bad blacks bring down the good ones to their level because theres way more bad ones

[Anonymous No.18392099]

>>18390897
Based and accelerant pilled

[Anonymous No.18392729]

>>18390842
>>18390882
>>18390919
>>18390938
>>18390971
>>18391040
>>18391050
>>18391264
>>18391313
>>18391381
>>18391388
>>18391404
>>18391501
>>18391808
>>18391967

[Anonymous No.18392849]

>>18392729
Believe it or not, the behavior of your average black person is “priced in” to much of current business decisions. Why do you think Walmart is not in the ghettos but boost mobile is?

[Anonymous No.18392880]

They see their money doesn’t hold its value and yet they have been conditioned to see investment in what does (precious metals and jewels) as for boomers and schizos.

The logical thing to do in this situation when you are a low-information consumer is simply to spend your money as soon as you get it, and with interest rates going down this will only accelerate.

[Anonymous No.18392911]

>>18392880
why not put it in an s&p 500 tracker?

[Anonymous No.18392938]

>>18392911
The average person sees the stock market as a casino for Jewish sociopaths.

Sure you’re right that a bluechip tracker will certainly beat inflation, but what it comes down to is that the average Joe doesn’t trust any investment advice at all and so chooses not to.

[Anonymous No.18392997]

>>18390785
Hmmmmmmmmmmm

[Anonymous No.18393011]

>>18390785
Bcos they don't know how to trade synthetic straddles, hedging zomma, charm and speed whole collecting gamma.

[Anonymous No.18393025]

>>18393011
post portofolio and gains

[Anonymous No.18393026]

>>18390858
Dude is weird hyper autistic homo, but he knows his shit

[Anonymous No.18393030]

>>18393011
While*

[Anonymous No.18393051]

>>18390785
Because they suck at personal finance and don't make a budget.

[Anonymous No.18393065]

>>18393051
but why tho, why can't they into personal finance and budgets?

[Anonymous No.18393067]

>>18390882
This
>>18390896
Shut the fuck up

[Anonymous No.18393082]

>>18391050
This is America!

[Anonymous No.18393086]

>>18393025
I'd have to generate a statement from my PB. I'm doing ok tho

[Anonymous No.18393094]

>>18393067
>Shut the fuck up

[Anonymous No.18393118]

>>18393065
Jobs haven’t compensated workers adequately for like fifty years so there’s very little money to begin with. A medical or vehicle emergency can quickly wipe out what little pittance the average American has saved up.

[Anonymous No.18393292]

>>18390785
Most people are literal retards when it comes to money. A friend of mine had 3 maxed out credit cards and was making the minimum payment for all of them, but was bragging to me that he was putting his money in a high-interest savings account (~3% interest) as an emergency fund. He quite simply had no understanding that he was paying more to the credit cards than he was earning on his savings, until I explained it to him like a child.

[Anonymous No.18393412]

>>18392080
>rent and food are the only expenditures
fucking retard

[Anonymous No.18393421]

>>18391364
I believe spending all your money is a knowledge that can be exploited in different ways, like everything. When retards do it, they waste it all on stupid shit. When intelligent people do it, they grow and become better at the risk of temporary loss.

You can use nuclear power to give light to millions, or nuke some asshole you dont agree with. Same concept.

[Anonymous No.18393434]

>>18393065
My guess is because it's not glamorous and isn't a part of the high school curriculum, so people don't bother to learn it.
>>18393118
You have retards that don't know how to live within their means at every income bracket. If you take someone who's barely solvent and give them more money, they'll just spend more money. I live comfortably off of 24k a year and have built a six month savings buffer. I don't want to hear about how poor people are.

[Anonymous No.18393488]

>>18393065
Most people don't like living like peasants to save all their money for an inevitable disaster that wipes out all their funds and forces them to continue working paycheck to paycheck to save all their money for an inevitable disaster.

[Anonymous No.18393496]

>>18390785
NIGGERS

[Anonymous No.18393506]

>>18393496

[Anonymous No.18393536]

>>18390842
oh noooooooo not cold hard facts what have you done nononono

[Anonymous No.18393587]

>>18390785
Complacency, unwillingness to move for work or do harder work
Failure to understand saving 50% of your income
Failure to cut costs radically
Failure to increase earnings
Dumb spending (drugs/booze/eating out)

I lived off 400 Euro a month in Heidelberg, Germany. Including rent. I was saving money to buy crypto while i was a student working night shifts and weekendd. So can you and so can everyone

[Anonymous No.18393630]

>>18393587
based

[Anonymous No.18393635]

>>18393587
why did you save money to buy crypto?

[Anonymous No.18393688]

>>18393488
One year of savings

A good investment in a crisis can make you rich

[Anonymous No.18393735]

>>18393688
Good luck being in a crisis or picking the right investment.

[Anonymous No.18393768]

>>18390785
Because for some god forsaken reason drinking coffe at home is out of the ordinary. People deserve to be broke

[Anonymous No.18393830]

>>18393094

[Anonymous No.18393838]

>>18393434

People tend to place more importance on "how they're living" in the moment and less or none at all on "how will I be living 5 years from now?". If more people seriously asked themselves that question they would be more comfortable eating rice and saving their money.

I know there are doctors who have less savings than me, and lottery winners who will eventually be eating the food I donated.

[Anonymous No.18393853]

Is there anything more embarrassing than being poor in a 1st world country?

[Anonymous No.18393861]

>>18392938
>average Joe doesn’t trust any investment advice at all and so chooses not to.
tfw this is me

[Anonymous No.18393877]

Eat bugs too

[Anonymous No.18393876]

>>18393768
eh? everyone i know makes coffee at home and/or gets it for free at work. who the hell buys coffee every day?

[Anonymous No.18394246]

>>18393434
It’s purposely not taught. Modern education is geared towards producing workers kept in place by debt. Funny thing is you go into debt being taught this. Kek

[Anonymous No.18394295]

>>18390785
Because people buy shit they don't need due to loss of traditional education and life lessons.
>all these poor libtards buying the latest iphone when they live paycheck to paycheck just so they 'fit in'

[Anonymous No.18394389]

>>18393838
>People tend to place more importance on "how they're living" in the moment
YOLO ZOOM ZOOM

[Anonymous No.18394499]

>>18392729
>NOOOOOOOOOOO, YOU CAN'T NOTICE GENETIC AND BEHAVIORAL DIFFERENCES IN RACES. STOP THIS NOOWWWWW!!!!!!

[Anonymous No.18394525]

>>18390896
>what, you think we should kick out all jews from the US?
Yes.

[Anonymous No.18394575]

>>18394499

[Anonymous No.18394591]

>>18394575
Based retard. Look at my post above yours.

[Anonymous No.18394614]

>>18390785
Group 1
>spend it on an overabundance of clothes
Proof: look at yard sales where people have a ridicoulous amount of clothes

Group 2
>spend it on eating out
Proof: All the people getting starbucks prior to work, eating breakfast, lunch, and maybe even dinner from fast food joints

Group 3
>spend it on the newest popular electronic gadgets just for the sake of having the newest
Proof: Majority of people buying apple products, gigantic televisions while living in a home that's small, gamers who must always have the newest and expensive pc pieces when their games run just fine

Group 4
>spend it on a new car loan every year
Proof: All the people buying/leasing a new car every year

Group 5
>partiers
Proof: Self explanatory

Group 6
>gamblers
Proof: Las Vegas, sports betting, and people gambling on the stock market (and losing but keep going until they lose it all), etc.


Unironically I was pretty good at saving until I gambled on stocks and stock options last year. Lost several thousands and gtfo'ed. Back in but playing somewhat smarter, am currently in the positive but playing so cautiously am making small gains.

[Anonymous No.18394654]

They are black

[Anonymous No.18394729]

>>18394591
I wasn't going against you, but ok.

[Anonymous No.18394768]

>>18390785
Because it costs $1500/mo for a studio apartment

[Anonymous No.18394844]

>>18394729
Sorry I thought you called me a kike. I guess I'm the retard.

[Anonymous No.18394921]

>>18390842
NOOOOO YOU CANT JUST POST STATISTICS WAIT TILL R/CHAPOTRAPHOUSE HEARS ABOUT THIS

[Anonymous No.18394950]

>>18390842
Good
This is reparations for white people stealing technology from the black man

[Anonymous No.18394964]

They're dumb. Google sheets is free. Make a spreadsheet to budget yourself.

Credit cards are free money if you pay them off.

Fast food is fucking expensive

401k is free money if your employer matches it.

These idiots spend $5 a day on stupid shit and waste 140 by the end of the month. It adds up and subtracts from your IQ points

[Anonymous No.18394980]

>>18394768
Don't live in expensive places to live like New York or california

Get roommates

Live with your parents

[Anonymous No.18394987]

>>18394950
tru

[Anonymous No.18395049]

>>18391349
can confirm, graduated from a top 50 business school in finance with almost a 4.0. Almost everyone not (((well connected))) are still bartenders, mowing lawns, or “influencers”. It looks like anyone in their 20s making around 50-55k outside of a major metro are the best you can expect to if you’re lucky and work hard.

[Anonymous No.18395279]

A lot of men don't know how to say no to their wives and girlfriends because they don't have the innate confidence that she's with them for reasons other than always getting what she wants.

[Anonymous No.18395348]

>>18394614
I mean, I feel like people are just kind of stupid. Like no offense to them or anything, I’d much rather hang out with stupid people as they tend to be kinder and nicer people.

But, truthfully, I violate, at least a few of these, but my finances are absolutely incredible, because I know how to balance it. They key is, you can buy a meal or a coffee every once in awhile, gamble on stocks every once in awhile, and still be completely ok financially.

It’s the absolute retards that go to my college, that have $10 in their checking $150 in their savings, and they come into class with starbucks, the class has a 10 minute break at the hour and a half point, and they come back in the classroom with more starbucks.

It’s also these people that complain about the cost of college, but go to out-of-state schools for “Marketing”

I went to community for 2 years, 1 year was free, and then went to Uni for 2 years and I will have $0 debt and $25,000 in stocks. It’s not hard

[Anonymous No.18395390]

are people virtue signaling that they're poor? is that cool now?

[Anonymous No.18395554]

>>18395348
Lmao I only ever have $200 in checking at any one time because I put everything on CC and then make $500 payments on my CC.

[Anonymous No.18395618]

>>18395348
Kids don’t want to go to community college because they want the “college experience” of joining a frat for 4 years and spending tuition money on summer semesters abroad. Whenever I talk about community college with someone who’s complaining about college debt I always get lots of hand wringing responses because they don’t want to fess up to using college as a social extension of high school.

[Anonymous No.18395833]

>>18390785
Credit that is far too easily accessible at both ends of the economy.

It's literally nothing else except that.

[Anonymous No.18395865]

>>18390785
Good job anon, you finally discovered the very hidden fact that most people are retards and spend every single penny they have as soon as they can. In 10 years maybe you will discover that there is water in the ocean !

[Anonymous No.18395951]

>>18390785
Financial education is basic bitch, bluepilled, and not taught like it is one of the most important things in your life.

[Anonymous No.18396062]

>>18395618
Lmfao, I know it’s teally dumb, I went to community, was in a Frat at the local university, went to parties, freeloaded in college towns, you can do both.

I know some people who just run a business but live in a college town, just to party and get the experience

[Anonymous No.18396382]

>>18390816
This is partially true, the debt-scams are for profit, but there is a strange element where the US government keeps bailing out debt-shops who lose their investments. This last part needs to go away or the price of money gets too distorted for markets to work.

That being said, paying for consumption with debt is degeneracy. Learn restraint and save for your consumption. Only highly lucrative investment should be paid for with debt, like the welding supplies you need for your small welding business.

[Anonymous No.18396979]

>>18396382
Not paying for consumption and making 50% balance payments to drive your credit score so high in the course of just a few months you can take out a massive loan because the bank sees you as a good credit risk to buy Chainlink, then just making minimum payments which you can afford to fuck off about because your credit score is so high.

[Anonymous No.18396986]

>>18392080
>Working a full time job on minumum wage even gives you more than enough money for rent and food
no it doesn't

[Anonymous No.18397255]

>>18390785

low stagnating wages, salaries hourly pay, cost of living going up, cost of housing going up, cost of medical bills going up, cable/phone/etc companies no longer offering basic stuff for a low price, food joints no longer offering econo stuff, 1% hoarding fortunes, employers fucking over their employees demaning a fuckton more production for the same shitty salary, the (((performance Incentive plans))) and (((merit increases))) are just fucking sad and pathetic, (((credit cards))), (((financing)))...

fucken hell bro, I could keep going on, and on all fucking day about why over 60% of burgers are 1 paycheck away from getting fucked... and not just the lower tier retard wagies that work in a production line, i'm also talking about Job group 2s, 3s, 4s, 5s.


...
>TL:DR it's the jews and their greed.

[Anonymous No.18397273]

>>18392080
t. privileged trust fund baby

[Anonymous No.18397295]

>>18391005
Men work longer hours.

[Anonymous No.18397390]

>>18397255

If anyone gives a flying fuck, I used to work in HR for the company that has their dick in the son, the fucking goblin CEO met with trump and was live on TV with trump, take into consideration this company was started here in the US of A about 100 years ago (srsly) and (((they))) pull this shit:

>laid off a bunch of commiefornians
>hired a fuck ton of poos to do it for 1/3 the cost
>shit you not they outsourced a fuck ton of shit to puerto rico, mexico, argentia, colombia, etc.
>most the people in HR are white brazilians, beaners and spics
>most the HR shit is bitches but men do Data Ops and Payroll
>most of the leadership wymnz except for critical roles

fuck this company for real brah

[Anonymous No.18397443]

One last thing I forgot to add to my posts, (((they))) will take everything from you if you allow it, keep taking and taking until there's nothing left to take and they dont give a fuck about it.

[Anonymous No.18397466]

>>18390785
>80% of paycheck goes to rent
>inb4 buy house
>average house cost 10000000% of your yearly income
>inb4 get better job
>better jobs require high IQ and connections

[Anonymous No.18397492]

>>18397466

even with those you wont make that much money senpai, go for a business if your fucking state or city does not snuff you with stupid high taxes or cost of real estate/rent.

[Anonymous No.18398114]

>>18394987
Aemelia (the correct spelling) Lanier (née Bassano) wasn’t even black, much less did she resemble the girl in the painting. The idea that she secretly wrote Shakespeare’s plays is a hoax worse than the notorious Tawana Brawley hoax but I wouldn’t be surprised if some ghetto dwellers and Afrocentrists believe it as they believe all manner of other crazy things (e.g. the K for “kosher” on some products means they fund the KKK).

[Anonymous No.18398200]

>>18390785
1. Move the industrial base to China
2. Move services to India
3. Welfare for the rich, capitalism for the poor
4. Build robots to do anything that's left

Gee, I wonder.

[Anonymous No.18398303]

>>18390785
they arent smart enough to get a higher paying job

[Anonymous No.18398321]

>>18393768
they forgot to add high salary

[Anonymous No.18398382]

>>18390858
Based

[Anonymous No.18398439]

>>18390971
Asian & Jewish men make way more money than white men.

[Anonymous No.18398475]

>>18390785
Because everyone was conditioned to be a good goy cattle consumer. The sooner you realize this and accept it, the sooner you'll make it.

[Anonymous No.18398485]

>>18390816
This. Some people do, some people don't. NPC normies clearly are in the latter camp.

[Anonymous No.18398501]

>>18395833
Based - and I can't stress this enough - and redpilled

[Anonymous No.18398542]

>>18392729

[Anonymous No.18398596]

Because I put all my money into crypto and then immediately add into my all in 3x leveraged Chainlink long.

I've been broke my whole life, I'm totally fine with it, don't mind it at all really, can get by just fine.

So Id rather swing for the fences and be a multimillionaire than save paltry sums and be worth average.

[Anonymous No.18398603]

combination of things mentioned ITT
- people are generally incapable of thinking long-term
- the government always bails out bad investments so people never learn to stop taking on debt and banks never learn to stop giving dumb risky loans
- some people are just unfortunate

[Anonymous No.18398687]

>>18398542

[Anonymous No.18398691]

>>18398439
those are oppressed minorities ;)

[Anonymous No.18399722]

>>18392729
/pol victorious yet again

[Anonymous No.18400009]

>>18390808

BERZINGHER

[Anonymous No.18400043]

>>18390785
Because most people are fucking idiots and they don't prepare for the future.