/biz/ - Business & Finance

[Anonymous No.49611191]

What can be done by the younger generation to save money for a home?

[Anonymous No.49611236]

>>49611191
baby boomers deserve to be hung, they're to blame for 90% of the wrong in this world. Fucking ruined the economy for all future generations.

[Anonymous No.49611247]

spend less money
make smarter investment choices
don't browse /biz/

[Anonymous No.49611264]

>>49611191
my suggestion would be canceling netflix and stop order takeaways

[Anonymous No.49611303]

>>49611191
Work harder. Stop slacking off.

[Anonymous No.49611307]

Day of the pillow can't come soon enough

[Anonymous No.49611327]

>>49611264
That might save them a few hundred a month at most, they are never going to be able to buy a home.

[Anonymous No.49611339]

>>49611191
fuck baby boomers
i can't wait until globalism wins and they get turned into onions green; though covid already wiped a bunch out

[Anonymous No.49611365]

Start a Netflix subscription, order takeaways, eat avocado toast, vote democrat, and get married.
Because why not? You only live once.
The world will take care of everything else. We'll going to own nothing so let's be happy.

[Anonymous No.49611382]

So $60 a year will get me house?
Are boomers fucking stupid?
You know they spent their weekends drinking and driving. Pretty sure Netflix is cheaper than that even without inflation.

[Anonymous No.49611442]

Netflix isnt that expensive really but NPCs do spend A LOT on food, I bet like £50/month.

[Anonymous No.49611456]

Many single family homes are being bought over market value with no clause contracts by boomers or by firms. Often the downpayment will be 25%+ in order to avoid mortgage insurance. Assuming the average single family home in a white neighborhood sells for at least $400k, a young person would need at least $100k in their bank account to be a competitive buyer. FHA is the only realistic option for young people. That being said, home ownership is pretty overrated unless you know you are going to live in the house for at least half the loan duration

[Anonymous No.49611468]

>>49611236
Hanged, not hung.
But you're right. Either way they'll die soon, but it would be a shame if they enter their graves peacefully. It would be cowardice on our part.

[Anonymous No.49611588]

the media sets everyone against each other

divide and conquer

remember it's "the boomers", it's "the left", it's "the right", it's "white people" it's "niggers", it's "jews", it's some puppet politicians fault or everyone that voted for him, but it's never ever the system itself fault. hate the players but don't ever hate the game.

[Anonymous No.49611742]

>>49611191
it's true, my 5br house on the Florida coastline is only $100 a month including all fees and interest, it's really that easy

[Anonymous No.49611756]

>>49611191
Torrent and meal prep.

[Anonymous No.49611765]

>>49611588
So you want a system that stops people from being corrupt?
Good luck. That's what democracy was laughably supposed to be.
Its merely cowards who don't kill evil people where they stand. You know that guy in Japan who assassinated the commie politician? We haven't had one of those in America in my entire lifetime.

[Anonymous No.49611803]

>>49611756
do these anyway for your health not even for your wallet

[Anonymous No.49611827]

Basically just stop spending money
I saved a 40% deposit in two years by living with my parents and saving, people just don't want to do that though

[Anonymous No.49611883]

>>49611827
not everyone can live with their parents its pay rent or be homeless

[Anonymous No.49611930]

>>49611191
I mean... You probably should be streaming shit for free. And I don't see how it makes sense to pay delivery fees and tips every time you eat. Like this isn't bad advice under normal circumstances.

It's just sad that boomers still don't realize that even if millennials had ZERO costs they still wouldn't be able to own a house in any sort of reasonable time frame. Housing costs are literally rising faster than the average millennial earns in a year. Now the cost of borrowing is spiking up too. Like... You can't do anything about that as an individual. Sure, it makes sense to save as much as possible so you're ready when prices come down. But how long will that take? And how much economic pain is there between now and then? I'm sure a lot of young people feel like saving is pointless because in the end you'll still lose. Might as well enjoy what little wealth you have before it's gone.

[Anonymous No.49611980]

If gen x, y and z all say boomer excesses have negatively impacted their lives then maybe it's never been avocado toast and slacking but stagnant wages and a ruined labor market.

[Anonymous No.49612064]

>>49611827
So avg property is $1mil so you would need $200kpa without spending a single cent for 40%
Yeah fuck off. And if you're some rural retard fuck off too, your ted shack doesn't count.

[Anonymous No.49612117]

>>49611191
Complete destruction of the current systems that be.

[Anonymous No.49612139]

>>49611588
lol, dumb redditor. when do they claim it's the jews? never. why not, when it's so obvious? ever looked at bidens cabinet? google "shmita" maybe? so how many more mental gymnastics until you can admit the system is "jews"?
It's all so tiresome. Maybe they are right. You're all just stupid goyim and deserve to suffer.

[Anonymous No.49612226]

But unironically, you should have your YouTube subscriptions sorted out by now.
Theres nothing on TV, or streaming.

[Anonymous No.49612228]

>>49611191
I do tend to believe that the opportunity and convenience for us to spend money is just way more ubiquitous than it would have been for boomers so I tend to think this is true. Even just living in a cash economy for a year blew my mind how much easier saving was cause.i could never.be fucked to go to the bank and withdraw so I just went without when it came to basically every impulse.

[Anonymous No.49612438]

>>49611191
How do people not have enough money to buy a home???? Let's say you make 40k a year. Rent costs 16000, you have hardly any taxes because you are poor, food and utilities costs 4000 a year. You save 20k a year. In 5 years, you should have 115,000 dollars. Easily a 20% downpayment on a 500k home.

[Anonymous No.49612498]

>>49611236
nahh its jews and elites

the goy civilians have no effect on anything

[Anonymous No.49612575]

>>49611191
What’s a takeaway?

[Anonymous No.49612613]

>>49611756
Been living like that for all my childhood, young adulthood.
I'm now 30 and I'm still not even close to own a home. I still pirate everything however now I'm even priced out of making proper food so I just eat stuff out of the can.
All your advices are bullshit and I could have spent my money on things I could have enjoyed instead of growing up to be a miserable piece of shit saving up just to be forever priced out.
Fuck you. Seriously. FUCK. EVERY AND EACH ONE OF YOU BOOMER OLD FAGGOTS FOR SPOUTING THAT NONSENSE DOGSHIT ADVICE.

[Anonymous No.49612615]

>>49612438
Yeah just forget about car payments, insurance, phone bills, food, clothes, emergencies etc

[Anonymous No.49612629]

>>49611236
those arent just boomers anon, theyre also jews. boomer jews did this

[Anonymous No.49612662]

sorry boomer - not buying your baghold estate

[Anonymous No.49612717]

>>49612438
>food is 4,000 a year
kek, maybe if you lived at Costco, in the 80's

[Anonymous No.49612798]

reminder - every second they dont sell/rent, theyre losing money.

the only winning move is not to play

[Anonymous No.49612802]

Subscriptions are harmless if you keep it in moderation
The obsession with ordering food though is a little insane. Even ordering for myself is at the very least between 25-35 bucks because the added tax, fees, and tip.

[Anonymous No.49612885]

>>49611236
correct
>>49612629
it's called capitalism retard

[Anonymous No.49612929]

>>49611191
yeah, i remember when my grandfather came to this country and everyone in the family had to work, my father spent his childhood being raised by institutions like schools and government subsidized daycare. they lived in a shitty run down apartment and couldn't ever afford to upgrade. they were so poor that they had to cancel their cable.

oh wait my grandfather moved here and was an electrician. somehow he managed to support the entire family with only his work, so my father was raised by family members, somehow he managed to save up enough money to buy the family home we still live in, now worth over a million dollars thanks to inflation. he had no trouble paying for his brand new color TV and buying a summer home near a lakeside. we sold that property for 300k 20 years ago, now worth over 3m

[Anonymous No.49613003]

the only people buying houses these days are wealthy Chinese kek

[Anonymous No.49613096]

>>49612929
Boomers promoted globalists and Third Worlders over their own descendants.

[Anonymous No.49613119]

>>49613003
>weathly
Read: indebted beyond belief

[Anonymous No.49613136]

>Have 50k liquid
>see inflation coming miles away after the printening of 2020
>decide to put money into an asset
>go to mr bankman while things were still relatively normalish and not completely clowned out
>take loan for $125k with 25% down to build a barndominium on my 3.2 acre plot
>10 year note at 4.5% interest
>bought plot in 2018 for $12k (lmao)
>walking distance to a dollar store/gas station/post office
>2 miles from public recreation area of lake texoma in southern OK
>rural but has things going for it
>felt lot was way undervalued at the time, bank seems to agree and finds it acceptable collateral
>find a local metal building fab & erection guy, talk options out, get quotes.
>decide to go with a 40x60 as the base
>customize building how I want it during process
>partition wall divides building into 40x40 workshop and 40x20 living space
>mezzanine above living space extends over porch, adds additional 40x32 living space
>building was finished a few weeks ago, got electric & water meters installed, put lights in it
>having concrete sealant finish applied and close cell spray foam insulation installed
>at ~$100k as it stands now, will be using the remaining 25k + personal income to DIY the living space
>2080sqft home + 1600sqft workshop/garage for $125k
this is how u make it

[Anonymous No.49613372]

>>49611442
>a month
That’s like a single Popeyes family meal with tip.

[Anonymous No.49613391]

>>49611442
>£50/month.
how poor/malnourished do you have to be that 50 quid is too much?
I was spending that a week in college
the cheapest bottle of liquor was easily half that amount
>inb4 straight edge cunts with their incel hermit bullshit

[Anonymous No.49613445]

>>49611191
They're right you know

[Anonymous No.49613452]

>>49611191
Guy who house hunted for the past 2.5 years and ultimately bought a new construction home because bidding wars made new construction the more economically attractive avenue here. Anyone who tells you to just save more via canceling streaming subscriptions or stop doing take out is being highly disingenuous.

You need to have roughly 80k in savings. With 45k available for down-payment+closing (if no housing grant or assistance). 10k for possible housing repairs if you're buying used. Roughly 5k for bank appraisal, third-party Inspection and realtor fees (if the seller isn't footing the bill). And at least 20k in savings left (depending on the area you buy in) for headway to assure the bank giving you the loan isn't zeroing out your account.

You also need to have good credit scores throughout the process because they will do multiple credit checks during your search for a home. Even a new construction requires at least four credit checks, two by your home loan lender, one by the builder and one by home owners insurance you select. The home loan lender will also review both your job, length you had it and your total assets.

If you aren't already several years in your career or getting money from family for the home (especially in the west/east coasts) it isn't going to be easy.

It took three years for me to save enough money to seriously consider buying a house and still have money left for furnishing and savings leftover. And that's with a 90k salary, which the average person doesn't have.

Boomers are fucking lying to you.

[Anonymous No.49613461]

>>49611883
I'm moving in with my parents in two weeks and they're making me pay rent
I hate my life

[Anonymous No.49613524]

>>49611327
A few hundred a month is literally what mortgage costs.

[Anonymous No.49613539]

>>49613445
now factor in inflation, purchasing power and wage growth
every single headline along the lines of babby boomer do this milennial do that is pure bait, boomers didn't earn SHIT and they know it but they need to keep up appearances by injecting their obnoxious entitlement into everything

[Anonymous No.49613544]

>>49613445
do you think this graph actually backs up that statement? top kek

[Anonymous No.49613606]

>>49611191
earn more

[Anonymous No.49613734]

>>49613445
The boomers already have a house, the millenials are still trying to pay the house. Not to mention other life necessities. If anything it proves the point.

[Anonymous No.49613846]

>>49611442
>£50/month.

Bro. Im a literal whore that sucks dick for pizza and even im thinking your a cheapskate

[Anonymous No.49613853]

Netflix is pretty cheap but takeout and food delivery is not. Imagine ordering $10 worth of McDonald's just to pay $20 to get it delivered soggy with your fries half eaten.

Learn to cook. Tacos, spaghetti, chili, meat and rice, meat and potatoes etc. Shit is so cheap once you learn to cross utilize protein and buy in bulk. Or go low carb and stop caring about food. I can eat ham and eggs for breakfast and wings and carrots for dinner for a week straight because once you cut out carbs you stop eating based off craving.

[Anonymous No.49613870]

>>49611191
conduct armed raids against retirement communities.

[Anonymous No.49613908]

>>49611236
>NOOOOO MY GENERATION IS ONLY THE 2nd WEALTHIEST IN WORLD HISTORY INSTEAD OF 1st THIS IS A TRAGEDY
suck it up, faggot

[Anonymous No.49613945]

>>49613136

giga based

[Anonymous No.49613968]

>>49611191
Either be talented, or be a tradie so you can build most of it yourself.

[Anonymous No.49613978]

>>49611191
why would you pay for netflix anyway?

[Anonymous No.49613986]

>>49613136
Well done. I strive for something modest to call my own like this, one day. I just have no skills and feel aimless at the moment. I want to learn a useful skill I can use to make money for myself, but narrowing it down is very difficult.

[Anonymous No.49613989]

>>49611191
the same baby boomers who think you can "work your way through college" like it's 1980.

[Anonymous No.49614007]

all homes are overpriced
I pirate everything
I waste my money on experimental nootropics

[Anonymous No.49614038]

>>49612064
Play stupid games win stupid prizes city cuck enjoy the bugs and the pod

[Anonymous No.49614048]

>>49613136
God help you if you don’t plan on dying in that ugly shack.

[Anonymous No.49614096]

>>49612438
Example breakdown:
> Make 50k a year as a McWagie
> 42k takehome
> Median rent is 2k, so 24k a year
> Food - 4k
> Gas for car - 3k
> Health Insurance - 5.4k (Not to use- you pay this just to have the insurance)
You now have $5600 a year, I didn't include car maintenance, clothing, subscriptions to TV, Internet and Phone, cleaning supplies, laundry, or the giant list of other things you need to actually succeed in 2022 America.
>>49613539
Boomers got paid 2x as much starting out in the 1970s compared to starting wages today, when you do the math for inflation and buying power. It's not avacado toast and netflix holding people back, it's inflation, a debased currency, and suppressed wages over decades.
>>49613968
You and me need to be giga skilled, boomers just had to show up. It's not sustainable long term.

[Anonymous No.49614130]

>>49611191
>What can be done by the younger generation
Start killing any non-white or anyone over the age of like 45
>to save money for a home
Oh, nothing they're fucked because they didn't do the first thing way sooner.

[Anonymous No.49614152]

>>49611456
Agree on all points save one: owning is always better than renting if you currently own nothing, even if you don’t stay in it renting it out to cover the mortgage costs is free money

[Anonymous No.49614196]

>>49612613
just work harder bro

[Anonymous No.49614292]

>>49611191
Theyre right though. Netflix movies are all available for free on bittorrent.

[Anonymous No.49614317]

>>49611191
I have some advice for baby boomers

Fucking die already

[Anonymous No.49614341]

>>49613846
LONDON
O
N
D
O
N

[Anonymous No.49614431]

>>49611442
>go out for lunch
>eat like a cheap Ass, no drink no extras
> $10 -$15
Yeah dude $50-$75 per month on food is
Poverty level

[Anonymous No.49614575]

>>49612615
>>49612717
>>49614096
Don't get a car, health and dental insurance is provided through your work for free, okay, may be a phone costs another 1000 a year.

Basic muscle bulking diet to build muscle mass would be 1 chicken a week (12 dollars *52) plus 14lb of beans and grains (28 dollars*52) thus 2080 a year, with about 2000 left over for discretionary spending and vegetables.

[Anonymous No.49614614]

>>49614096
If your rent is more than your takehome, find a better location, find a better job, get a room mate, live in a van, live with family, etc.

[Anonymous No.49614641]

>>49614614
*more than half of your takehome

[Anonymous No.49614676]

>>49614575
>don’t get a car
>insurance is free
Ah, so you are completely unfamiliar with America

[Anonymous No.49614727]

>>49614614
It’s funny how millennials are told to jump through all these bullshit hoops when boomers with high school diplomas had everything handed to them on a silver platter. Day of the pillow is soon

[Anonymous No.49614742]

>>49614614
>dude just be homeless! You millennial always entitled to any degree of safety and shelter!

[Anonymous No.49614846]

>>49613461
At least you won't have to feel bad about tossing them in the cheapest nursing home the government will pay for

[Anonymous No.49614880]

>>49614676
>Ah, so you are completely unfamiliar with America
My job (in America) literally offers free healthcare. My parent's job, and my brother's job both offer subsidized healthcare. Only medium-poorfags (not true poorfags because they are on medicaid) suffer from lack of healthcare.

[Anonymous No.49614928]

>>49614742
I live in the fucking middle of boston, and the vast majority of places still have less than 2k a bedroom rent. You have to be financially retarded to be living on 2k a month rent and be only making 50k.

[Anonymous No.49614975]

>>49614880
You’re the exception, not the norm, in this decrepit country you midwit.

[Anonymous No.49615033]

Canceling Netflix sub as advice is stupid, $12 a month is literally nothing
The second piece of advice is actually good. My girlfriend has a cousin who orders food 5 out of 7 days every week, and it costs them AT LEAST $50 for just her and her husband. Her husband actually has a very well paying job, but they live an in apartment for that reason and because of her addiction to clothes shopping.

[Anonymous No.49615102]

>>49614975
The median indian in America makes 54600 dollars. Are you literally dumber than the pajeets constantly made fun of on this site? Also, if you own a car, you should be living somewhere cheap with low rent, or your parents. If you rent an expensive apartment, you should be commuting cheaply to work. If you own a car and rent expensively, you are making severely poor financial decisions.

[Anonymous No.49615232]

12$ here and there adds up. In one year that's 144$. In three years that's a share of SPY

[Anonymous No.49615566]

>>49611191
>save money
>during inflation and a recession

How many opioids are the boomers on?

[Anonymous No.49615933]

>>49615566
You save money by immediately converting it to reits, value stocks, foreign stocks, and commodities. You're on a finance board, you should know how to do that.

[Anonymous No.49616020]

>>49615102
the indians in america are the top 0.01% of india and they only make 54k lmao

[Anonymous No.49616097]

>>49612615
>car payments
Dont buy a car. Bike everywhere.
>insurance
Stay on your parents. You can stay under it till you're 26.
>phone bills
Cheap phone plan is $200/yr.
>food
For me about 2k/yr. Negligible cost.
>clothes
Thrift stores, hand me downs. Also students throw out old clothes when moving. I usually spend nothing on clothes per year as I have a large stock accumulated.
>emergencies
Don't have emergencies. If you do don't go to the hospital. It will heal on its own. Or if you really have to give a fake name and run.

[Anonymous No.49616164]

>>49611191
Boomers are right about ordering food.

[Anonymous No.49616213]

[Anonymous No.49616429]

>>49616097
>bike everywhere
The average commute time in the United States of America is 30 minutes…in a car

[Anonymous No.49616516]

>>49611191
I mean they're right. My parents and uncles/aunts all told me the sacrifices they made before they got their own place. Of course, they also taught me the values of money management.

[Anonymous No.49616568]

>>49611236
Does that include your parents?

[Anonymous No.49616575]

>>49614431
I spend 25/month on fast food. And usually 200/month on groceries. It's doable.

[Anonymous No.49616734]

Get together as a unit, pool your resources and invest everything.
You know, behave like a family should behave.
Unfortunately boomers destroyed that concept, so you need to do it with your friends of siblings if you have any.

[Anonymous No.49616767]

>>49616429
I live in the U.S and bike 5 days a week to my job. Takes about 40 minutes but its worth saving the cost. You are just lazy.

[Anonymous No.49616779]

>>49613136
Post pics of the interior, fag.

[Anonymous No.49617063]

>>49616779
I don't have any interior pics, it's bare right now anyway. Can't move anything in there until the sealant and spray foam contractors finish their things. Here's another side of the building tho.

[Anonymous No.49617907]

>>49616213
Hahahahahahahahahaha!!!
Holy shit boomers are malding!

[Anonymous No.49618030]

>>49614614
Just destroy your entite existence bro, your not entitled to anything except slavery.

Live in a fucking van, or invite a crackhead to share the cuck pod, can you even hear yourself?

[Anonymous No.49618075]

You retards don't get it. This is the wealthiest generation of all time, ours. Even wealthier than the boomers. Like 1000x wealthier. The problem is the common man is seeing nothing from that, only the billionaires and jews. This is endstage capitalism.

[Anonymous No.49618118]

>>49611191
Baby boomers need to die so X and Y have room to move up the corpo ladder.

[Anonymous No.49618158]

>>49618030
Average rent is like 1300 a month. If you get flatmates (like friends from college), rent is like 1000 a month. You only have to live in a van if you wanna save an extra 500 a month. Nowhere near cuck-pod levels of living quality, are you a paranoid schizo?

[Anonymous No.49618169]

>>49618075
>This is endstage capitalism
So communism

[Anonymous No.49618250]

>>49611264
Base

[Anonymous No.49618260]

>>49612498
Every generation before the baby boomers resisted the allure of the kikes and their easy money. The baby boomers wanted quick profits from outsourcing labor to the third world, they wanted to import cheap manual labor to build extensions onto their paper houses, they wanted to take cruises every summer. Kikes are at fault but the baby boomers were weak-willed enough to let them take over. And they benefited from it, at no point did they ever consider "do we really deserve all this?" So they deserve a pillow over the face in mienkraft.

[Anonymous No.49618263]

>>49613445
This is not a Boomer vs Y thing. Young people have the ability to spend money or the need to spend money. Old people have to save for retirement.

[Anonymous No.49618618]

>>49616568
especially my parents

[Anonymous No.49619279]

>>49617063
Looks comfy desu. Plant pecan trees and a prairie of flowers and grasses please.

[Anonymous No.49619503]

>>49618618
Well then lead by example bro

[Anonymous No.49619561]

Sell your ass to uncle sam, VA loan is no money down and competitive rates.

[Anonymous No.49620696]

>>49619279
I was planning on having a garden, making a fenced in area for goats and chickens, and watering/fertilizing a one acre area of grass that a local farmer said he'd make into small (~50lb) square bales of hay for a rate of $2.50/bale. gonna homestead it out brah, next depression is coming.

[Anonymous No.49620942]

>>49620696
Pecans won't need water or fertilizer. It's something you need to look into yourself and is a long term investment in your land. USDA will subsidize silvopasture if you really wanna get into the rabbit hole. Good luck friend, you're pointed in the right direction.

[Anonymous No.49621133]

>>49614152
a lot of people who rent out their newly bought property are in the red. so many people underestimate how much work, time, and money it takes.

[Anonymous No.49621177]

>>49611191
>netflix $9.95/mo
>boomer welfare $500/paycheck
I have a better idea.

[Anonymous No.49621508]

>>49611191
I don’t know about saving money, but you should definitely get rid of Netflix, it’s pure trash now

[Anonymous No.49621553]

>>49611191
Wait for the crash-sell your kidney

[Anonymous No.49621558]

>>49620942
there's actually two pecan trees on the property, but they're still saplings and I have no idea how long it takes them to reach maturity. also one is leaning and I need to get some bracing around it to make it grow straight. I've known that since I bought the place and just never got around to it for some reason.

[Anonymous No.49621619]

>>49615033
200$ a month isn't a lot it wouldn't make a dent in saving for a house

[Anonymous No.49621646]

>>49618260
They’d laugh as they suffocated -they ruined the world so they could get a few more trinkets. Generation parasite.

[Anonymous No.49622125]

>>49611236
Relax, faggot.
You'll ruin it for your grandkids. It's called history

[Anonymous No.49622183]

>>49621619
it's over $1000/mo you stupid retard

[Anonymous No.49623109]

>>49611191
For reference, even if Netflix is $20 and you save that amount monthly for 30 years, that's only $7,200
Not enough for a down payment grandpa.

How about you give the money you stole from future generations back?
Why not retire so a young person can take your place?
Instead of outsourcing, why don't you invest the time and energy into showing the young people the way?

[Anonymous No.49623161]

>>49611191
Worl hard. Spend nothing. Save in the form of gold so you cannot spend it.

[Anonymous No.49623186]

>>49611264
>stop ordering take aways
When the cost of food is so high, the restaurant industry is so competitive, and more people living single, a simple cost-benifit vs opportunity actually favors take out, unless you're eating the bottom barrel junk at the grocery store.

[Anonymous No.49623244]

>>49611756
Both of those have real time and opportunity costs associated with them.

[Anonymous No.49623348]

>>49613853
Take out is not the same as delivery, or delivery apps.

[Anonymous No.49623385]

>>49623186
Holy cooklet cope. I eat top restaurant grade meals (steak, cheese, butter) for the price of a cheap fast food because I take the time to prepare my food (takes 10 mins).

[Anonymous No.49623483]

>>49611191
tbf takeaway is expensive, $20-30 a meal, stop it once per day, it's $800 a month.

You laugh but I know a bunch of NPC gen Z that doordash and shit.

I door dash, but I rotate my cell phone number and refer myself for that sweet sweet promo code and do pickup, making meals $5 - and then sometimes order delivery but tell doordash it never came after 40 mins and it gets comp'd and a wagie gets a blackmark. :)

so doordash bans me, who the fuck cares, don't use your phone number - all these stupid tech saas companies conflate phone number as identity and as high friction. email too -

free unlimited phone rotation via t-mobile/att/verizon. free alias creation if you have your own shit domain at godaddy and you can spam and brn all these promo codes.

[Anonymous No.49623522]

Supermarket food is so expensive now that takeaways aren't even much more expensive

[Anonymous No.49623554]

>>49623186
I disagree. from my lasting grocery shopping:
>dozen eggs for $2.75 or roughly 23c per egg
>16 slices of bacon for $7 or 44c per slice
>32 oz tillamook sliced cheese (monterey jack/colby jack double pack) for $11 or 26c per slice
>$6 for 32oz container of Oikos plain yogurt or 19c per oz

>make 4 egg omelet with 3 pieces of bacon and 1 slice of colby cheese ripped up in the omelet
>exactly $2.50 of ingredients
>spoon out 4oz of yogurt for the side dish, or an additional 76c
>600 calorie healthy af breakfast for $3.26 of ingredients

[Anonymous No.49623644]

>>49613136

You live in a garage

[Anonymous No.49623690]

>>49623644
>>49617063
there's a partition wall to separate the garage from the living space. once it's finished out you'd never know you weren't in a traditional house from the inside

[Anonymous No.49623750]

>>49623554
Have you thought about meal prep time, cleaning time, energy costs, cookware purchases, and shopping time?
It depends how much an hour or two is worth to you

[Anonymous No.49623813]

>>49617063
Actually that's pretty dope.

[Anonymous No.49623941]

>>49623750
I feel like cookware purchase is really hard to quantify the value of because one nonstick skillet can cook a few hundred if not thousands of meals before the nonstick begins to wear off and you consider buying a new one. likewise for a spatula. shopping time also seems strange to consider, I don't know anyone whose life is so busy they can't spare 30 minutes to run in the grocery story and buy a few ingredients. and as for prep time, I always cook my entire pack of bacon the night I buy it which does take about 30-45 minutes, then I put the cooked bacon away in a container to use through the week. an omelet literally takes less than 5 minutes to cook though, its probably the fastest breakfast meal other than straight scrambled eggs which is just the lazy man's omelet.

[Anonymous No.49624739]

>>49623750
Meal prep+cleaning time is negligible unless you're making fancy shit. Spaghetti takes maybe 3 minutes per meal including the time to make the sauce amortized. Far cheaper than even the shittiest fast food and much healthier.
>cookware
I paid $30 for a cast-iron skillet which will outlast even my grandchildren.
As for shopping, I don't know anyone who never needs to go to the grocery store. The extra 5 minutes in the store to grab all of my food for the week is negligible.
>>49623941
Cooking is cheaper by every single metric if you're factoring in long-term costs. I don't even want to imagine the healthcare costs of people who ate fast food 5+ times a week for 50 years.
Zoom zooms were never taught to cook and whenever their parents cooked it was always something elaborate that took ages so they assume that's how all cooking is. Ask me how I know

[Anonymous No.49624766]

why cant women cook?
I hate dating women
none can cook
what's the point of women besides giving birth?
im too impatient to cook

[Anonymous No.49624781]

>>49611191
Zoomers need to bring it all crashing down. It's the only way. Millennials too. Fuckers really got the raw end of the deal. They'll never catch up without resetting the game.

[Anonymous No.49624989]

Not complaining because the boomer wealth from both my parents and my parents in law will be passed on to our household in 10 years or so. In the meanwhile I'm sitting comfy thanks to crypto.

Don't think that if you were in the boomer's shoes you'd do it any differently, you fags.

[Anonymous No.49625034]

>>49611191
>paying for netflix

[Anonymous No.49625082]

>>49611236
jews.

[Anonymous No.49625119]

>>49612613
>ID: pp DOMz
kek

[Anonymous No.49625122]

>>49611236
Based.
All the retards blaming Jews are likely boomers themselves

[Anonymous No.49625154]

>>49624989
>yfw you find out about the reverse mortgages
>>49625034
>watching jewish poison
>>49625122
True enlightenment is when you realize it's the jewish boomers

[Anonymous No.49625255]

>>49625034
They didn't want to publish the research which showed people who pirate spend more on media than average though.

[Anonymous No.49625260]

>>49611191
I know many young adults who spend $500+ a month on food delivery apps.

[Anonymous No.49625310]

>>49623244
Like actually paying for subscriptions/food then? Unless you can make money out of thin air, it's worth nothing that it can only generate profit with real time and opportunity costs too be them at a crypto market or at an actual job

[Anonymous No.49625314]

>>49611327
It is stupid to say that netflix is why someone is poor. However there are legitimately people that go out to eat so often they could easily have saved up a downpayment in a year.

I've lived with like 4 roommates who NEVER FUCKING COOKED. NOT ONCE. Their breakfast was stopping by starbucks and getting a macchiato and some egg bites or something. Then lunch was bought at the employee cafeteria. Then dinner was picking up chick fil a on the way home. Weekends are a special treat, they spend the extra to door dash food delivery. The only thing they keep in the fridge is takeout leftovers, drinks like beer/soda, or processed frozen foods which was the only thing they ate not from a restaurant.

[Anonymous No.49625346]

>>49611191
>STOP SPENDING 10$ A MONTH ITS RUINING YOU
>ALSO BUILD A TIME MACHINE SO YOU CAN APPLY TO A CORPORATION AND GET HIRED INSTANTLY LIKE I DID NIGGER
AHAHAHAHAHAHAHHA jesus christ this is dark

[Anonymous No.49625377]

>>49611191
a passive income portfolio > muh home

[Anonymous No.49625426]

>>49625346
Small monthly charges do add up. That's exactly why every company nowadays wants some kind of subscription model.

>netflix, disney plus, amazon prime, hulu, hbo max, spotify
>cell phone bill, which is unlimited data even though that person has wifi everywhere they go
>12 monthly installments for newest iphone every year, along with apple care warranty, the icloud subscription
>sports channels or whatever which they admit they are too busy to watch sports and just pay it constantly for one sporting season/a few big games
>gym membership

But really eating out seems to be the thing killing my generation, if the disgusting stats are to be believed.

[Anonymous No.49625545]

>>49625426
I agree, but blaming a majority of the problems on subscription services is just silly. How about the part where boomers just asked for a good job and got hired, funny thing for them to not mention.

[Anonymous No.49625722]

>>49611191
Ending social security.
t. eurofag

[Anonymous No.49625781]

>>49625545
I'm not saying it's fair. Millenials/zoomers got fucked. But just whining about it and wasting their entire paycheck isn't going to help, and will get no sympathy from me.

[Anonymous No.49625795]

>>49611236

awww you cant get your morning latte for 15$ anymore ? cant get your avocados ? awwww zoom zoom i feel your pain.

[Anonymous No.49625873]

>>49612438

you forget that braindead ADHD zoom zooms spend 400$ on subscrbtions to youtube, netflix, onlyfans, twitch, disnyplus and various other crap zoon zooms subscribe to. they cant cook so they order fast food. they cant do shit. they can only take. a useless generation of pathetic losers, and i didnt even mention the subscribtion pills for ADHD most of then take and other various drugs so they can "function" normally. what you said is exactly right but a zoom zoom cant save shit, he has to buy the new Zelda game and be a patreon for some tranny and give uis favorite whore money on onlydans, because that is the zoom zoom norm.

[Anonymous No.49625885]

>>49611191
I love this kind of advice because when they were young boomers spent more money on food and going out relative to income than millennials do.
And they still bought that house with 25 or 30.

[Anonymous No.49625920]

>>49625545

in 2050 your kids will cry the same fucking shit, in the age of AI and brain implants it would be even harder to get that comfy easy job due to competition.
>HUR DUR why in 1960's you could make a living as an exahust salesman
because there was no internet, people that had skills were far inbetween and valued. its called progress dumb fuck. the hippies were wrong.

[Anonymous No.49625938]

>>49611365
>Dude don’t forget the Grande Latte I drink everyday and the muffin!

[Anonymous No.49625951]

>>49625885

the dollar had more purchasing power 40 years ago. blame your government and the antics of the american people. its still comfy in other parts of the world. brain dead zoomers will be the next politicians and make thjngs even harder for you because they only care about themselves. the irony of this makes me laugh. RIP smug america. you still have your marvel movies right ?

[Anonymous No.49626010]

>>49613003
They have zero percent deposit mortgages
>if only bank of china tanked we could have reversed this.

[Anonymous No.49626034]

>>49611191
make their parents end up in an unfortunate accident

[Anonymous No.49626071]

>>49625920
>its called progress
good goy

[Anonymous No.49626099]

>>49613524
A lot of use prefer to live in actual houses anon. Cardboard can be tricky especially in rainy states

[Anonymous No.49626107]

>>49611191
>Oh wow I can save up to $300 a month if I eat nothing but rice and boiled chicken? Well I will surely be able to buy my own house in about 37 years

[Anonymous No.49626140]

>>49613452
>Boomers are fucking lying to you.
The only people who disagree are boomers.

[Anonymous No.49626207]

>>49625951
>blame your government and the antics of the american people.
But that means it's literally the fault of boomers over the past 40 years gaining power and devaluing the dollar.

[Anonymous No.49626393]

>>49626207

yes, and that is the natural cycle of the american people over the last 200 years. zoomers in power will make it even worse.

[Anonymous No.49626675]

They're not wrong though?

[I hate women No.49626691]

>>49611236
hung is for talking about penis faggot, but yeah fuck boomers

[I hate women No.49626705]

>>49611442
nigga in starvation mode

[Anonymous No.49626706]

>>49626675
WHOAH A WHOPPING 120 A YEAR

[Anonymous No.49626729]

>>49626706
Can make a lot of difference, invest.

[I hate women No.49626749]

>>49613136
install some more windows my nigga, shits depressing

[Anonymous No.49626809]

>>49611191

[Anonymous No.49626838]

>>49626749
>install some more windows my nigga, shits depressing

>-absolutely huge cost compared to wall material
>-leaks heat like a bastard
>-awesome break in opportunity
or you could just, you know, go outside and see it in 3d instead

[Anonymous No.49626844]

>>49611191
Be less depressed for starters

[Anonymous No.49626902]

>>49612438
>and utilities costs 4000 a year.
in rural africa perhaps

[Anonymous No.49626906]

>>49611191
In all fairness, living off fast food delivery could set you back 10k+ per year. I hope nobody actually does this

[Anonymous No.49626913]

>>49611236
If you have kids enjoy them say the same about you.
Blame the shepherd not the sheep.

[Anonymous No.49626929]

>>49623385
>a $13 steak

[Anonymous No.49626930]

>>49611191
This makes me sooo angry, we were promised that covid would wipe out the boomers!! WELL?! WE ARE WAITING!

[Anonymous No.49626989]

I've had to learn how to cook everything entirely myself, my parents never pissed on any cooking knowledge, it seems to be a common trend
I'm not saying takeaways are the problem, but cooking at home saves me a bunch and I had to learn it all myself, I wonder if it was the same with the boomers?

[Anonymous No.49627016]

>>49626989
my parents didnt really teach me anything past riding a bike but my dad is a great cook and i definitely soaked up some game from him

[Anonymous No.49627046]

I cancelled Netflix not because i want to save, but because i was getting sick of evey show trying to promote the homo agenda

[Anonymous No.49627052]

>>49626989
Consdering my dad was a bastard, I'm pretty sure a guy teaching themselves to cook is relatively normal.

[Anonymous No.49627074]

>>49612885
>it's called capitalism retard
And who are the peak (((capitalists?)))

[Bye 4ban No.49627081]

>>49612498
Who do you think put those people in power you stupid fuck?

[Anonymous No.49627098]

>>49613372
>with tip
>paying people extra for doing their jobs

[Anonymous No.49627097]

>>49626913
>If you have kids
if i had kids there's absolutely no way I'd let them grow up the same way

stop blame shifting and hopiuming. the bed has been made, sleep in it.

[Anonymous No.49627138]

>>49612438
>Easily a 20% downpayment on a 500k home.
you can get houses significantly cheaper than that in reality, assuming you don't want to live in the gay i mean bay area of cali.

[Anonymous No.49627146]

>>49614727
It's not funny boomers literally built a ponzi and milennials have to pay for it

[Anonymous No.49627186]

>>49618263
>Young people have the ability to spend money

No they don't most of the economies are boomers that accumulated wealth as soon as they destroyed bretton woods.

[Anonymous No.49627234]

>>49625795
What's wrong with avacados? Why shouldn't people be able to eat fresh fruit.

[Anonymous No.49627247]

>Cancel netflix
While I hate netflix the dumb niggers had cable bills out the ass growing up and they were able to buy houses no problem. Where they are right-ish on is takeaway. Uber-eats and grubhub and the like are pissing away money to a ridiculous degree, far more than the price of order-in pizza a lot of the time. They act like people have to live monastically on beans and rice when they lived high on the hog and never had to tighten their belts worth shit.

>>49613853
>>49623750
My view on takeout or fast food is a question more of price and efficiency than convenience. In other words the only food you should order out (unless you are already out and about and eating away from home) is stuff that is more trouble than it's worth to make at home. And the only stand-out examples for that are
>Pizza (leavening and mixing dough is time and a mess and more art than science, results are very finicky)
>Deep-Fried chicken (if you dont re-use the oil or have a shitty fryer like mine where it wastes a shit ton of oil beneath the heating coils in the oil).
Fries you can get pre-cooked frozen ones. Hamburger and the price difference will be astronomical - you'll get 2lb of beef for the price of 1 five guys burger that's probably 1/4th a pound. Pan fried is easy so it doesn't count.

Pizza was the takeout champion with Chinese for a reason, and Chinese is actually stupidly easy to make at home.

[Anonymous No.49627266]

>>49613908
It's not as simple as that though.

We're charged rent or have to buy houses from the wealthiest generation

We have to compete for food, services, and everything else local with the wealthiest generation

It's part of why I'm leaving the US

It's also obviously debatable whether we're the second wealthier. Chinese elite clearly have way more money

[Anonymous No.49627276]

>>49617063
first angle was too modernist for me but this one looks nice, good job anon

[Anonymous No.49627303]

Just move to cheaper locations?

Everyone wants to live in the same few locales where local homeowners stop any development. If you can't buy there, just opt out of the location. That's what people in the past did. If an area was saturated they'd look for and settle new land. Simple as. You don't absolutely have to live in Jew York or San Franshitco. Also, less job opportunities will force you to become more entrepreneurial and kick the wagecuck mindset, which is a plus.
Or you can just complain and be a salty rentoid wagecuck for the rest of your life living in some nigger filled ghetto working 12 hours a day, I guess.

[Anonymous No.49627364]

>>49611980
Not only that but that's the reason of the angst of the Gen X. I mean that's their whole thing right

[Anonymous No.49627408]

>>49625873
Millenial
Boomerlites

[Anonymous No.49627486]

>>49627266
Probably good to expand on this- every boomer is hypercompetitive in a sleazy way, they always follow the "break their kneecaps so even if they're faster they can't run" way of life. It just so happens once their kids and grandkids came of age the boomers began targeting them and previously had targeted their own parents.

Of course as they get older and can't even walk anymore we're going to see a lot of whining about widespread elder abuse/people ghosting their older relatives. Boomer seethe about their 40 year old kid moving to mexico or whatever to avoid them as they can no longer wipe their own asses. In the end you reap what you sow and filial piety comes with the assumption of parental loyalty, but boomers have quite literally never understood anything outside themselves so it's going to fuck them over the hardest when they're at the weakest point in their lives with the least amount of sympathy. Too bad they spent the other 60 years fucking up everyone else but hey.

[Anonymous No.49627528]

Here if you earn like €40k and save every single cent, after a year you are FURTHER AWAY from home ownership. What do you mean saving money? This only ends with the complete anihilation of the jewish race.

[Anonymous No.49627573]

>>49611382
my dad actually told me stories about this, how the cops would catch teens drinking and driving and escort them back home and how him and his brother would street race and get air speeding over the sudden decline in the road that goes down the side of a mountain.

[Anonymous No.49627690]

>>49626844
Hmmm, how come males are top in suicide statistics, then?

[Anonymous No.49627733]

>>49627690
Men commit suicide more successfully.

[Anonymous No.49627751]

>>49627690
Males actually want to die, rather than having other people believe they want to die.

[Anonymous No.49627752]

>>49611756
>torrent shit
>never watch it

[Anonymous No.49627757]

>>49627690
Turns out just like other things, men excel at killing themselves too.

[Anonymous No.49627771]

>>49627690
That pic is from an Atlantic study btw

[Anonymous No.49627788]

>>49612438
>dont buy anything ever for 20 years on a medium income wage you had to go to college or uni for

[Anonymous No.49627801]

>>49623483
I'm a zoomer and I also do this
I showed my friends and they're all just too lazy to do it themselves

[Anonymous No.49627933]

>>49623385
you know how to make one meal using 3 ingredients and you're on here calling others cooklets lmao

[Anonymous No.49628275]

>>49613372
popeyes is a fast food restaurant, you dont tip there. what country are you from?

[Anonymous No.49628328]

>>49611236
fpbp

[I hate women No.49628361]

>>49626838
I lived in an apartment with smalll/few windows, no decorations and I wanted to kill myself. Having a home feel like home instead of a habitable pod is important to one's mental health but you'll find that out yourself in a year.

[Anonymous No.49628479]

>>49612438
>How do people not have enough money to buy a home????
I piss it away because buying a home for today's boomer elevated prices isn't worth it
I can wait another 10 years for them to keel over and prices to be a third of what they are now

[Anonymous No.49628574]

>>49611236
This. But i would account their failures for at least a bit of good and say they created one of the most resentful and crazy generations of them all (which is good, everything good is made out of spite) who gave birth to cryptocurrency as a way to oppose the boomer goy agenda. As i see it the boomers made their own killers, and we should all do our parts and expire their time as fast as we can, while also ensuring our wealth

Just as ryoshi planned

[Anonymous No.49629610]

>>49611442
>A LOT on food
>£50/month
Did you miss a zero? 50 would cover 2 takeaways. NPCs will be spending way more on groceries alone.

[Anonymous No.49629651]

Work for a couple of years and then move to the middle of nowhere and enjoy life.

[Anonymous No.49629743]

>>49615933
Don't forget to pay taxes on the money you """saved"""

[Anonymous No.49629846]

>>49614727
>w-why should I have to work harder than someone else?! t-things were easier in the past, I DESERVE those things
lol, get a job you lazy faggot

[Anonymous No.49629849]

>>49611191
Stopping eating out/takeout is legitimately great advice though. People spend absolutely retarded amounts on food - literally hundreds a month - for no reason and then complain they are poor.

[Anonymous No.49629896]

>>49611191
It sounds retarded but it's actually sound advice. Especially now when everything is on discount. The amount of money people spend on shit coffee, streaming services, eating out, trips, etc. all adds up really quickly. Putting that money into the market over the course of a lifetime would make sure they all had really comfy retirements.

[Anonymous No.49629915]

>save money for home
When prices are going up 20% yoy
And interest rates are less than general inflation reported by the government. The only thing they can do is wait and hope for a crash.

[Anonymous No.49629940]

>>49629610

>takeaways


I want European filth off my board

[Anonymous No.49630051]

>>49629940
I'm not European, amerifat.

[Anonymous No.49630126]

>>49614152
Maintenance costs are pretty significant anon. A home is a liability.

[Anonymous No.49630137]

>>49611191
Squatting.

[Anonymous No.49630149]

>cheapest rent possible
>no takeaways/subscriptions
Still doesn't feel like I'm saving fast enough.

[Anonymous No.49630207]

>>49629940
>my board

HAHAHAHA - FAGGOT

[Anonymous No.49630226]

Baby boomers NGMI. Too damn soft. One thing you can do is buy a bigger bag of matic and wait. Other than that you're fucked.

[Anonymous No.49630294]

>>49611191
Market correction by making houses be valued only as shelter not as an investment asset.
The parties to be want to keep the current paradigm on as much as possible. They have invested far too much for all it to collapse.

[Anonymous No.49630319]

>>49629940
Also, not your board. Fuck off and kill yourself.

[Anonymous No.49630350]

>>49611191
Cancel a $15/ month service and in 500 years you'll have enough for a down payment on a house.

[Anonymous No.49630390]

>>49624989
They reverse mortgaged to pay for the vacation condo timeshare in acapulco. Sorry fren.

[Anonymous No.49630556]

>>49630350
That $15 a month service is costing you hundreds of hours of potentially productive time, thinking up side hustles, networking with people who can get you further in life, improving your physical appearance and wellbeing.
High quality on demand entertainment is the biggest killer of opportunity in young peoples' lives now.

[Anonymous No.49630769]

>>49628361
I put windows on the end where the living space is. I appreciate natural light.

>>49627276
Thank you fren, planning on screening in the porch for a nice place to grill and have a beer in the evenings, will prob change the aesthetics but the functionality will be king. That will also allow me to leave my front door open on nice days in absence of a screen door.

[Anonymous No.49631256]

>>49611191
they can buy guns and shoot every single politician out there in Minecraft. don't shoot AOC though she's a hottie and she needs to be a public bukakkeslave to atone for her sins

[Anonymous No.49631299]

>>49630556
>just work 5 jobs with no rest
lmao kys

[Anonymous No.49632109]

>>49616767
>DUDE JUST RIDE A BIKE ON THE BYPASS
>THERE'S LIKE A 15% CHANCE YOU'LL GET KILLED DURING YOUR COMMUTE BUT WHO CARES JUST RIDE A FUCKING BIKE

[Anonymous No.49632153]

>>49625873
i really doubt you actually have this insight into young people's lives. Do you not realize you sound like an old man parroting his television news programs?

[Anonymous No.49632236]

>>49611191
a set of math problems is infinitely more interesting than any Netflix pap, good advise

[Anonymous No.49632515]

>>49627234
The avocado hatred in media is mind-boggling. I live in a nordic country and everything costs millions here, yet avocados tend to be around 3-4 euros per kg, which is totally affordable. Only a bit more than apples or bananas. Add to that avocados taste great.

Are avocados some sort of panacea plant which the globohomo is trying to kill to make us sick? I can think of no other reason.

[Anonymous No.49632540]

>>49627486

Pretty much. My boomer parents couldn't discuss anything without making all about themselves and any disagreement led to them screaming at me and insulting me. My father also did this weird shit where if I contradicted him he would start shouting that I was "out of the will." Also they are the typical debtmaxxing impulse buying boomers so I doubt there's anything in the will he removed me from.

So off to the nursing home they go. Let LaQuanda and Lupita deal with that bullshit. If you treat your children with contempt they're not going to take care of you.

[Anonymous No.49632667]

>>49611191
Do more piracy, don't pay even a dime to the Jewish media conglomerate.

[Anonymous No.49632676]

>>49611191
ordering food is about 5 times as expensive as making your own food at home, but lazy retard millennials/zoomers refuse to change anyway.
>it's all muh boomers' fault!

[Anonymous No.49633184]

>>49611191
>.co.uk
Sage

[Anonymous No.49633848]

>>49611191
whats that boomer saying again... "Just pull up your boot straps and stop fucking buying a new lambo every year"

[Anonymous No.49633886]

>>49623483
What is free unlimited phone rotation?

[Anonymous No.49633893]

>>49629849
It’s great advice to time rich people who can’t afford to eat out.

I worked in nyc for a few years as a management consultant and was coached/mentored professionally and personally with great results in both.

I spent a lot of time in my life up to that point taking care of myself and that included watching what I ate, cooking most of my own meals etc. I was time rich and cash poor for a long time (contract gigs between jobs, studying, social life) where I’d take public transport places, budget gym membership training myself and was comfortable with these things.

When I started doing well and landing good jobs I got advice around managing my time better and that included outsourcing a bunch of shit.

Started using a laundry service, personal trainer, buying more meals, more ubers, etc. because those services bought me more time to focus on actually getting way more money than it cost. At first I was shocked at the costs but soon realized this was a financially sound decision.

I went from grinding to get ~$100k a year to landing $250k+ in my best year because I could maximize my effort to where it mattered. Laundry is not a fucken priority compared to being able to relax and recharge, personal trainer could see me smash out gym sessions and get better results in less time, less cooking, cleaning and etc meant I could get more out of my day in both work and leisure and set me up for success.

Cutting a $15/month subscription isn’t going to change your life much, but getting an extra 4 hours a week to focus on self improvement or other goals will do something for you if you have actual talent and skills. I could update my website, do more reading, go to meet ups and more.

They were absolute life hacks and you can see how it unlocks an executive lifestyle when you can drop those burdens. Laundry isn’t going to research the best refinancing deal for my mortgages, land me new jobs, inform me of market opportunities or ignite any passions.

[Anonymous No.49633985]

>>49632676
I'm a zoomer (19) and make my own food.

[Anonymous No.49634096]

>>49626929
Exactly bro, $13 is very realistic per meal

>>49627933
>implying you can't make dozens of meals using permutations of the same five or so ingredients
>implying dairy isn't a huge category
>implying i want to be eating anything other than animal products

Enjoy wasting hours cooking your gay useless plants lol

[Anonymous No.49634127]

>>49613445
That's an awesome graph, really.
Shows how much you stop giving a fuck once you have ownership of a house.

[Anonymous No.49635232]

Netflix is fucking nothing. Ordering takeout constantly however is the killer. Im sure we all know those cunts who refuse to cook food. Order starbucks in the morning and some sort of takeout for dinner. For even a single person that could easily be averaging $30 a day on food. Thats $900 a month, which is damn near half what you'd spend on a mortgage for a decent house. And that number isnt even factoring in using door dash or shit for lunch. I could easily see the average being $40 or $1200 a month.

[Anonymous No.49635292]

Can anyone explain why boomers feel the need to play victim all the time with their stupid statements like "back in my time" like why cant they just admit they had it easy?

[Anonymous No.49635294]

>>49625873
golden. i enjoyed reading it.

[Anonymous No.49635361]

>>49611191
i wonder if netflix, disney, amazon and all the other retard woke shill companies that promoted democrats/biden to people to vote..regret it lol
Netflix so far lost 70% of its stock price lol lmao eat shit!

[Anonymous No.49635471]

>>49627690
The better performance at suicide is because of their male privilege. If women had had the same opportunities, they would have equal rates.

[Anonymous No.49635511]

>>49635292
>t. Netflix+Hulu+Amazon+OnlyFans subscriber that has never cooked a meal
This generation can't budget for shit. I'm an older zoomer who makes $18 hourly and goes to school entirely on scholarships but pockets 70% of their paycheck easily. So many people I know that have less than $1k in savings, if an account

[Anonymous No.49635621]

>>49627303
>Also, less job opportunities will force you to become more entrepreneurial and kick the wagecuck mindset, which is a plus.
This reads like some fucking cope

[Anonymous No.49635639]

>>49611191
start onlyfans and sell their bodies to degenerate pedophilic old fucks who want you to dress up like a little boy while u anally prostrate yourself. Shouldn't be an issue for filthy zoomer degenerates , probably their dream job. what a dispicable generation i spit on you youd eserve all the poverty that's coming for you

[Anonymous No.49635643]

>>49635361
Netflix had one chance to make their own content good enough to keep their audience. They failed and will disappear.

The Disney case is even more mind-blowing. Imagine have their image, their branding and then meddling in any way with combination of sexuality and kids.

[Anonymous No.49635664]

>>49611191
Wait for boomers to die and hope there is something left of the world.

[Anonymous No.49635714]

>>49611191

[Anonymous No.49635759]

>>49611236
but if boomers didn't outsource everything to china their citizens wouldn't be living the middle class american dream.

[Anonymous No.49635766]

>>49611191
I don't think saving 15 bucks a month will help that much with a mortgage

[Anonymous No.49635827]

>>49611191
Those are both good advice, no matter who theyre coming from

I cant believe how many people I know who don't even track how many subscriptions they have in general...I have all of mine in a spreadsheet and I cancel them the second I havent used one in like a couple days lol

[Anonymous No.49635859]

>>49635766
when you think about the subscriptions + the weed + the alcohol it turns into a money pit where tens of thousands go away down every couple years

[Anonymous No.49635887]

>>49611827
1pbtid. Retarded larper.

[Anonymous No.49635897]

>>49635714
Looks like the Zoomer generation will finally be the happy generation.

[Anonymous No.49635925]

>>49611191
the boomers are right though

[Anonymous No.49635949]

>>49627788
I said 5 years, if you have to exaggerate to make your points, you don't have one.

[Anonymous No.49635996]

>>49611883
>>49613461
This is shitty parents who are either A) so poor theyre exploiting their own spawn or B) so dumb they think this is how you produce self-reliant children.
Sorry anons your parents are shit, hope you do better than them

[Anonymous No.49636020]

>>49628479
You could save for 10 years instead of just 5 then.

[Anonymous No.49636029]

>>49635511
Lol okay sweetheart im sure you do. Nice job completely ignoring everything in my post just to make a bunch of baseless assumptions in defence of boomers fucking kek.

[Anonymous No.49636107]

>>49636029
Boomers have made some selfish decisions, but it's still possible to build generational wealth and buy a home if you are financially savvy.

[Anonymous No.49636174]

>>49611236
This. The "muh j00s" is just an excuse to let boomers of the hook.

[Anonymous No.49636231]

>>49611191
> save money for a hone

[Anonymous No.49636293]

>>49612438
>Work in exec. office in government.
>On paper I make around 68k/year
>Pension(I won't use) Insurance (useless) and Taxes (fuck you)
>I bring home around 34k per year.
>$400 car payment per month
>$350 food permonth
>$350 gas per month to get to work
>$800 rent per month
>$90 electricity per month
>$60 phone bills per month
>Lucky enough to scalp internet off my neighbor so that's free.

>Total yearly income after BASIC needs: 9400
>5-6 years to save 40000 for a down payment for a home. Assuming no emergencies, no car repairs, no other expenses, and doing nothing that makes life enjoyable.

And I work at the executive level and have a PhD (I am looking for a new job).

I can only imagine how unlivable life is for most people. Until we start seizing land and shooting people nothing will change.

[Anonymous No.49636335]

>>49623186
>a simple cost-benifit vs opportunity actually favors take out
No it doesn't, I do this and it's way more expensive than my roomates who go to the grocery store

[Anonymous No.49636353]

>>49636335
im not sure why i got baited by that

[Anonymous No.49636471]

I know a bunch of baby boomers who are now retired. Because pensions were a thing in their time, and not been a thing for later generations, they’re well off comfortably. And what do they do with their retirement years? Spend it on take out, alcohol, and filling up their RVs. And while expecting their kids, who have families and are struggling with rapid inflation, to take care of them.

[Anonymous No.49636594]

>>49613461
>>49635996
parents who charge their kids rent while they're just trying to get out of the perpetual downhill tumble are fucking despicable. only exception is if they aren't intending to keep the money. my m8s dad charged him $250/mo rent and when he was ready to move out, gave him a cashiers check from closing the account he had put all the rent money in, as he was saving it for him. it was around 10 grand, that's how a parent should help their kid... not spit in the face and say FUCK U PUNK I BOUGHT THREE HOUSES AND RAISED A FAMILY AND AN EXTRA SECRET FAMILY WITH MY MISTRESS DRIVING A FORKLIFT STOP BEING LAZY

day of the pillow can't come soon enough

[Anonymous No.49636618]

>>49621646
I get it, they only care that things (((worked)))

[Anonymous No.49636746]

>>49613853
I'm paying about $75 a week for normal groceries and cook everything at home. Saves a lot of money. Last time I bought 2 tendie meals at a restaurant it cost $25

[Anonymous No.49636924]

>>49616213
Kek

[Anonymous No.49637020]

>3-4 figures of spending can close the gap on 6 figures of price spikes
A generation that bought homes in their early 20's is telling millennials to scrimp and save in econobox apartments until they're 45 and foresees no negative social consequences arising from this at all.

[Anonymous No.49637051]

>>49630556
>potentially productive time, thinking up side hustles, networking with people who can get you further in life, improving your physical appearance and wellbeing
This is the behavior pattern of a psychopath lmao

[Anonymous No.49637070]

>>49617063
it's horrible. it looks like one of those prefab tool sheds they sell at Lowe's and Home Depot. Any chick would be horrified. She's going to be telling her friends about how you live in your garage.

[Anonymous No.49637114]

Have you considered violent revolution as an option?
As a joke in Minecraft, of course.

[Anonymous No.49637123]

>>49636293
So your pension, and insurance are about 16k? Is there any way to decrease to a cheaper insurance coverage or lower pension deduction?

[Anonymous No.49637186]

Live with your parents for no rent until your 30s, honestly.

[Anonymous No.49637196]

>>49637070
based. fuck women. all my friends think it's the coolest shit they've ever seen and are considering doing something similar if they can get a plot of rural land.

[Anonymous No.49637221]

>>49637070
It's industrial chic, chud

[Anonymous No.49637231]

>>49613524
kek

[Anonymous No.49637247]

>>49611191
>boomer parents pay $200 a month for some over inflated cable package that has 100s of channels with only 5 channels they watch regularly. They also have disney+, Amazon prime, as well as netflix
>millenial has a $15 a month Netflix account and pirates everything else
HOLY SHIT MILLENIALS ARE SO IRRESPONSIBLE WITH THEIR MONEY JEEZE JUST SAVE MORE LIKE US LOL

[Anonymous No.49637338]

>>49611264
I deliver food and its only mostly boomers paying 70$ for cold del taco bruh. Occasionally its a busy working class family with a bunch of kids staying over. Or a birthday/holiday delivery.

[Anonymous No.49637454]

>>49611191
>just stop using netflix, some garbage internet subscriptions worth 50-100 $ per month, not eating out
>maybe you will save 300-400$ per month, you will be able to get a credit for a house in a fucking decade, while ignore the inflation, rising price for everything, houses double in price, gas cost, rent cost etc
>by the time you got the money for a credit, a houses prices will rise with by 40-50% at minimum
boomer deserve only one thing, a bullet

[Anonymous No.49637568]

>>49637051
Who cares he's right.

[Anonymous No.49637974]

>>49633893
Best insight in this thread.

[Anonymous No.49638004]

>>49637454
>not eating out maybe you will save 300-400$ per month

while boomer advice like "muh netflix avocado toast" is shit i really do have to say if you spend 400$ eating out every month instead of eating at home... you really are stupid and have no one to blame but yourself

[Anonymous No.49638214]

>>49614096
who the fuck is making 50k at mcdonalds

[Anonymous No.49638267]

>>49618158
>just do all these things boomers never had to do a day in their disgusting fucking existence so you can have a 62% chance of making it bro!

blow your fucking brains out

[Anonymous No.49638496]

>>49618158
national average rent is now 2k

[Anonymous No.49638561]

Boomers:
>90% white America
>Strong unions and American manufacturing industry
>Women don't work so male labor is super valuable
>"Racist" immigration system favored competent European immigration
>No woke bullshit in sight

Millennials:
>Sub 50% white America
>Most of the manufacturing industry given to China
>Unions kept weak and retarded, or explicitly cater to low IQ nigs
>Women enter work force doubling the labor supply and turning women into entitled dickhead cunts through feminism
>1 million low-IQ "new Americans" cross the border every 10 months to leech off the welfare systems we have and drive down labor costs
>Blue haired genderless freaks act as a high council overseeing American workplace behaviors

"Just do what I did, whippersnappers."

[Anonymous No.49638925]

>>49611191
Try not to waste money on porn, spend less on bitches, learn long term investment in crypto, buy and stake gems like BNB, NEAR and RFOX. The future will take care of itself.

[Anonymous No.49639079]

>>49613846
>Im a literal whore that sucks dick for pizza
Where do you live? Not in Western Europe by chance?

[Anonymous No.49639111]

>>49611742
Ans how much is the insurance company fucking you for?
Also, how does it feel to be a literal welfare queen living on the protection provided by tax payers to be maintain erosion controls at the coast?

[Anonymous No.49640683]

>>49611191
create a virus meant to kill people who are old and unhealthy (boomers) an release it on the population
Old people start dying so everyone can inherit their wealth and like young people immediately spend most of it
>>49623244
one hour of searching for torrents and downloading a trial VPN is worth it
I guess you can add the costs of getting a larger hard drive since I have a 14tb one but they are very cheap if you buy at the right time
Remember in order to have that same freedom you'd need at LEAST 4 different streaming services