/biz/ - Business & Finance

[Anonymous No.8989024]

MFW people who:
- go into debt to aquire depreciating assets or purchase a 1 time service like vacations
- buy designer clothes
- dine in expensive restaurants with small portions of mediocre food
- buy watches more expensive than $20
- buy sport cars
- buy newest devices like iphones upon new version release even though the one they own is perfectly fine
- buy ridiculously overpriced cosmetics
- pay 100$ for a haircut
exist.
Is there anything more despicable and disgusting than a consumerfag?

[Anonymous No.8989084]

>mfw I am a NEET and took on $20,000 in 0% APR credit card debt to buy crypto in March of last year and paid it off just months later

[Anonymous No.8989115]

>>8989024
Why the fuck do you care about how others live their lives? Sad, invasive losers like you are even worse. Either take advantage of consumerism or stfu and mind your own business.

[Anonymous No.8989143]

>>8989024
>Is there anything more despicable and disgusting than a consumerfag?
people who go online to complain about consumerfags

[Anonymous No.8989171]

>>8989024
consumption drives all modern economies
saving money hurts growth

[Anonymous No.8989208]

>>8989024
is there anything more disgusting than OPs personality type ?

[Anonymous No.8989230]

>>8989115
>>8989143
>>8989208
>contrarian retards

[Anonymous No.8989243]

>>8989230

[Anonymous No.8989272]

>>8989171
fuck off kike

[Anonymous No.8989278]

>>8989024
>the state of /biz/

[Anonymous No.8989280]

>>8989230
>people can only disagree with me because they're contrarian
>not because I'm wrong

[Anonymous No.8989293]

>>8989280
you're a contrarian and a fucking faggot to boot lol
kill yourself :)

[Anonymous No.8989317]

Why do you care? Idiot.

[Anonymous No.8989316]

MUH (((GDP)))

[Anonymous No.8989337]

I agree with you, OP. Except for the first thing. I enjoy vacations and they can be inexpensive.

[Anonymous No.8989379]

>business board
>retards immediately chime in to advocate wasting money on stupid shit
>lol ur just wrong
15 year olds please leave

[Anonymous No.8989392]

>>8989024
no. absolutely the lowest form of human evolution right after muslims and niggers

[Anonymous No.8989421]

>>8989230
Insecure much? Hating on other people's lifestyle won't enrich yours.

OP is so money-starved he doesn't understand the economic concept of utility, he only sees "depreciating" dollars and cents. That's a rock bottom financially deprived mindset to have.

The fact that you and OP are on 4chan shows you're also part of this consumption-driven economy.

[Anonymous No.8989438]

>>8989084
doing god's work

[Anonymous No.8989440]

>>8989421
>frivolous niggertech purchases and designer clothes
>utility
lol fuck off

[Anonymous No.8989457]

>>8989024
money is nothing. You only need it to accumulate more. So if you have enough it doesn't matter anymore

[Anonymous No.8989460]

>>8989421
I think his point is that it's stupid to derive more utility from a fancier watch than cheaper watch when both tell time.

[Anonymous No.8989475]

>>8989440
>Loser never experienced an "it was worth every penny" moment in his life
Count that dollars and cents like the poor fag you are. You'll never escape that rat mentality no matter how much money you make. There's plenty of pathetic rats dressed as humans like you.

[Anonymous No.8989479]

>>8989475
>baseless nonsense and tangents
retard

[Anonymous No.8989495]

>>8989475
>>8989479
just so I'm clear, are you literally taking pride in the sheer, retarded joy of making poor decisions? openly?

[Anonymous No.8989500]

>>8989460
It's none of our fucking business to assess whether everyone should derive the same utility from a goods/services.

These are the same faggots screaming for decentralized, free financial system. Make up your fucking minds.

[Anonymous No.8989520]

>>8989500
>It's none of our fucking business to assess whether everyone should derive the same utility from a goods/services.
sure it is
I can also assess that you are a retard and that some people are better than others
Black people in the USA, for example, have an average IQ of 85, and commit violent crime at a rate many times that of whites
See how that works?

[Anonymous No.8989523]

>>8989024
Yes there are other people who agree with you. They are almost invisible because they don't participate in the usual nonsense and instead quietly work in order to provide for and enjoy their families. They are usually involved in 'local economies' (ie. Craftsmen who sell or trade their wares to other craftsmen in their communities) that give them a sense of meaning that consumerism cannot possibly compete with. Just put yourself in this situation and ignore the kike enablers.

[Anonymous No.8989537]

>>8989495
Look at this guy, still counting dollars and cents like a street beggar.

[Anonymous No.8989554]

>>8989500
You're right it's not. People have different tastes and preferences, but buying something over priced is not a rational decision. Most people see being rational as good.

[Anonymous No.8989594]

>>8989537
Look at this soulless chump who doesn't take time to understand the system of interactions associated with the production of his favorite gadgets and circuses experiences.

[Anonymous No.8989598]

>>8989024
I do all this stuff. I've traveled all over the world, fucked dozens of beautiful women, experienced things you couldn't even imagine. best of all I still have way more money than you because i'm not a worthless neet faggot. how does that make you feel little bitch?

[Anonymous No.8989602]

>>8989421
>like you don't waste your money to look nigger rich anon
>wow you must not have a good understanding of economic utility- I elarned that word today in my Econ 101 class at U.C. Berkeley™
>You are just projecting because you don't have the $300 Tyrone sportsball Nikes like me

[Anonymous No.8989605]

>>8989554
Who set you as the judge of fair price? Let individuals make that decision. That's 101 market economy.

If someone's spending beyond their means, luxury purchases are irrational spending.

Are you guys from North Korea?

[Anonymous No.8989645]

>>8989115
I wouldn't care if not the fact that it affects me negatively because my whole family is like this, they disgust me.

[Anonymous No.8989690]

>>8989645
They clearly don't give a shit how you feel and I can see why.

[Anonymous No.8989709]

>>8989598
Second life doesn't count

[Anonymous No.8989836]

>>8989024

a negro

[Anonymous No.8989847]

>>8989379
Don't be too hard on them, they can't help the fact that they were born fucked up.

[Anonymous No.8989860]

>>8989847
>the haircut
kek

[Anonymous No.8989886]

>>8989084
>Did the same thing but never paying it off ever

[Anonymous No.8989942]

I paid $500 for a watch. I like the watch and I'm not a poor fag who understands that money will always come back.

[Anonymous No.8989947]

>>8989860
The worst part is the fact that it is all true.

[Anonymous No.8990064]

>>8989947
End stage monopoly capitalism isn't good for the youth? Go figure. Thanks boomers for ushering it in. If you think that every generation is the same mold-able clay then the results of these tests are less the fault of the individuals but of the society they grew up in and the parents who raised them. Also the last part of that article is just pointing out how boomers fucked us.

>Can't get a cheap house
>Can't find a better job.

I believe in individual responsibility but at a societal level you can't just blame the new generation for problems that are now manifesting.

[Anonymous No.8990144]

>>8990064
>Blame the parents
I'm a 20 year old who was raised by a single mother and I'm in much better shape than most 30 year olds in nearly every category. Blaming other people for your problems only leads to a mediocre life filled with excuses and misery. It's the same case for blacks who blame whites for all of their financial problems, or whites who blame jews.

[Anonymous No.8990297]

>>8990144
I think theres a lot of factors at work. I think the level of wealth that post WW2 america had will never return. I think the progression of capitalism and consumerism with modern technology stunts the youth in ways. I think boomers are kidding themselves if they didn't play a hand in promoting behaviors and systems that weaken traditional values.

[Anonymous No.8990435]

>>8990064
please elaborate on monopoly capitalism
as in, elaborate further than what the name tells

[Anonymous No.8990734]

Can't I at least have nice clothes once I've made it? I like nice clothes.

Furthermore, it's pretty sickening the way normie schlubs idolize Mark Zuckerburg for dressing schlubby like them, as if it wasn't simply a costume on his part to appeal to them better.

[Anonymous No.8990866]

I agree with a few points.

I try to never go in debt but maybe for a house if chainlik dont make me rich.

I disagree with sportscar tho. When people buy one to just show off its kind of sad but a lot of people buy sports car to drive them the proper way on backroads or track.

Also this hobby dont mean you have to buy a porsche. You can buy an old 5k - 10k sportscar and have a lot of fun.

[Anonymous No.8990890]

I make 200+ dollars a day at work with NO state income tax as well as crypto gains. I don't give a shit about your poorfag ramblings

[Anonymous No.8990896]

>>8990734
nice clothes are a meme, they're all same shit made by chinks in suicidal environment

[Anonymous No.8990929]

>>8990896
t. buys clothes at Walmart. You dress like a peasant you will be treated like a peasant.

[Anonymous No.8990977]

>>8990896
>>8990929
I'm willing to bet more than 1/3rd of all the dinners he's ever had were frozen.

[Anonymous No.8991135]

>>8990890
Holy shit 200 big ones? Teach me your ways anon

[Anonymous No.8991317]

>>8989024
the way to get extremely wealthy i believe is to go into MASSIVE DEBT but buy cash flow assets instead of the shit you mentioned.

[Anonymous No.8991512]

>tfw financed my honda civic because I can pay $200 a month and put the rest into stocks that will give me 3% a year
>buy mostly from uniqlo or H&m, havent shopped in over a year though
>i go out to eat with friends because im not an autist
>I had a $300 watch but I sold it for cryptos
>sport cars are worth it if you enjoy driving
>I have an iphone 6 from 2015 and not planning on upgrading for years unless Apple bricks it
>my gf prob does that
>I pay $20 though I should learn to do it myself

But ya consumerism is gay

[Anonymous No.8991695]

>>8989024
desu this is all disgusting only if you dont have the means to comfortably do so. All these activities are peanuts to anyone making serious bank and who's ego needs it. otherwise you're just salty cause you're not creative enough to profit from the poorlets that are financially retarded to make these decisions

[Anonymous No.8991729]

>>8989421
>reddit spacing

[Anonymous No.8991867]

>>8991695
This. Stop being such a poorfag OP, some people aren’t poor like you and don’t give a shit about money

[Anonymous No.8992384]

>>8989024
no but if theres one thing i wouldnt cut on, its food
going to local places few times a week and getting a nice meal for me and my company is the definition of making it for me

[Anonymous No.8992475]

>>8992384
local places is not what I'm against, sometimes I eat in those too even though it's cheaper to prepare it yourself
I'm talking about those restaurants with over the top waiters in smokings serving lobsters or some other rat prisoner food charging at insane rates

[Anonymous No.8992570]

>>8989024
Everything you listed except sport cars are very inexpensive goods that every middle-class citizen of a first world country can easily afford.

I know most of /biz/ are young teenagers and NEETs but come on how disconnected from society can you become? You realize that the average person in the US makes ~$60,000 (an income under $60,000 is considered lower class) a year right? And nowadays women have careers as well so doing all those things you listed minus sport cars is not even worth thinking about since it'll be only ~20% of your disposable income.

I have never seen someone go into debt over a vacation. Vacations cost like $10,000 if you are going to extremely luxurious locations.

[Anonymous No.8992617]

>>8989084
>5k for me

[Anonymous No.8992619]

>>8992570
good job, you missed the point completely
> middle-class citizen of a first world country can easily afford
just because you can buy something doesn't mean you should

[Anonymous No.8992654]

>>8989272
It's true though there is talk about a recession because millenials are sharing apartments. But its not because they can't afford it. It's because they choose to do it so they can have fun in the city.

I met a 30 year old roastie who lived in a RV but ate at trendy cafes for breakfast.

[Anonymous No.8992683]

and here I thought I was being frugal buying a JLC Reverso instead of a Master Ultra Thin Perpetual Calendar lol

[Anonymous No.8992689]

>>8989115
Because their pointless consumption sabotages the capital formation necessary to make us a space-faring civilization.

[Anonymous No.8992729]

>>8992683
Just googled it
>quartz
>4k+
LOL

[Anonymous No.8992767]

>>8992729
I got a reverso tribute duoface, not a bloody quartz reverso lol

[Anonymous No.8992863]

>>8992767
>paid 11k for a mechanical watch in 2018
the quartz is a technically superior piece and keeps better time

thus, I will continue to laugh at you

[Anonymous No.8992929]

>>8992863
It's not about the technology it's about the social currency it provides.

You need to realize that things like that are an investment. Believe me or not but you're actually more likely to be taken seriously at your job and more likely to get promotions when you dress in very high-class clothes and have top-line luxury products. The same as that attractive people are more successful.

You need to stop viewing things so autistically and try to look at everything in the world as different currencies. You have monetary currency, intellectual currency, physical(body) currency and social currency.

You need to maximize all of them and if you neglect one of them then you will most likely not succeed as all are essential in your life.

[Anonymous No.8992932]

>>8992863
I don't mind quartz if done well. I have been eyeing FP Journe's Elegante 48 and might pull the trigger later this year. Really fucking cool quartz watch that conserves its energy after 30 minutes via the motion detector, but the battery keeps track of what time it is. Upon "waking up" the watch, it jumps to the correct time (either forward or backward, whichever way is closer). This allows the battery to last well over a decade.
https://www.youtube.com/watch?v=BNvPA0sp3G0

[Anonymous No.8992949]

>>8989171
If we consume, we get rich!

[Anonymous No.8993151]

>>8992683
You literally bought a square, woman's watch. Can't wait for you to pick up the Grand kids up later in your Chrysler 300, fag

[Anonymous No.8993230]

>>8992929
I work at a fortune 500 and the CFO and CEO both wear Apple Watches, and they don't even have the retard-tier expensive one, just the aluminum one with the rubber strap

Nobody gives a shit about a $4000 quartz watch or an overbuilt $11,000 watch that isn't even considered a recognizable brand by normies

I understand your point but you're somewhat delusional