Anti-consumerism

[Anonymous No.13624990]

Any good books that teach me, how to be frugal? Helps me spend and invest money properly?

[Anonymous No.13625003]

>>13624990
“Splurging as a reward” is not an aspect of frugality

[Anonymous No.13625013]

why be frugal when you can be cheap?

[Anonymous No.13625026]

>>13624990
I don’t understand the message here

[Anonymous No.13625057]

take the miserpill

[Anonymous No.13625081]

>>13624990
>maintain good personal relationships

[Anonymous No.13625478]

>>13625057
What?

[Anonymous No.13625489]

Just research minimalism and while doing so remember that it is not about owning less things, but owning things that add value to your life. Discard everything else. Being a conscious consumer means you value your time and self.

[Anonymous No.13625513]

you need a house which is 500k. then you need to pay off the loan to the bank, which is another 500k. you need transport which is 50k with a 5k yearly maintenance fee. you need to repay 20k a year to keep your home, 10k on food and utilities and 5k on your car.

this means you need to earn 55k a year so you have 35k after taxes to live.

earning 55k a year with a 5% increase in salary every second year means you will be working for approximately 40 years to secure your home. assuming you start working at 25, you should be ready to retire at 65. having now another 20 years of life to go, you are relatively free to pursue full time your interests.

>5 years in childhood
>20 years in education
>40 years in service
>20 years of freedom

if you earn 35k a year you will need to work until you die. if you earn 85k a year you can retire 10 years early. if you earn 110k a year you can retire 20 years earlier. if you earn over 150k a year you can retire 30 years earlier.

this is why an education is important, since it creates an opportunity for you to gain more freedom.

[Anonymous No.13625801]

>>13625513

This kind of "thinking" is why around half of Americans don't even have $400 of disposable income.

[Anonymous No.13626308]

>>13625513
>you need
lmao

[Anonymous No.13626326]

>>13625513
>paying off a house over long timespans is considered freedom
you must have high standards

[Anonymous No.13626747]

>>13625513
5k a year maintenance on your car? Do you sledgehammer it for fun you fuckwit?

[Anonymous No.13626755]

>>13625801
>>13626308
>>13626326
>>13626747
Missed the point

[Anonymous No.13627036]

>>13625013
Being cheap is almost like a mental illness similar to hoarding. You are hoarding money for the sake of it due to some irrational thoughts, whatever they might be. Who knows, it could be related to OCD.

[Anonymous No.13627064]

>>13626755
Dude, go back to reading your Boomer financial freedom self help books. Some of us live in the real world.

[Anonymous No.13627240]

>>13627064
financial independence is the real world
you're living in some kind of matrix like dystopia

[Anonymous No.13627256]

>>13625003
This.
People gain wealth or stay poor because of their habits. Using spending as a reward system is just fucking dumb.

>>13625081
I'm cheap as fuck and always had friends. You attract better friends when you don't try to buy people.

[Anonymous No.13627582]

>>13627256
>People gain wealth or stay poor because of their habits

this is neglible past lower upper middle class. There is really no chance of social mobility beyond that even with the most admirable of frugal habits.

[Anonymous No.13627909]

>>13627064
it's truthful, but i think that you're reading into his post as if he were spouting ideology.

[Anonymous No.13627971]

>>13627582
wealth is different from social class.
i am from a poor working class family, and i am now a millionaire, but i am still working class.
even if paying attention to one's personal finance doesn't make you upper class, it can still make a difference. as mr micawber famously says in david copperfield:
"Annual income twenty pounds, annual expenditure nineteen [pounds] nineteen [shillings] and six [pence], result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery."

[Anonymous No.13627989]

>>13624990
There are tons of books about minimalism and simple living out there, since the easiest way to be frugal is to simply avoid buying unnecessary things. Only book recommendation I can think of is "A Life Less Throwaway."

[Anonymous No.13628010]

What is there to learn? Just buy stuff that you really need, find out what is important, don't follow stupid trends, dont try to impress shallow people.

[Anonymous No.13628058]

>>13627989
Do you have a recommendation that’s for someone who’s actually broke and not written by a chick trying to sell her expensive products? I’m looking to go full on guy on the left.

[Sage No.13628080]

>>13627971
Post job

[Anonymous No.13628096]

>>13628058
Go to the library to read books, it's free, also the book I mentioned specifically is not trying to sell products. It's about buying higher quality.

[Anonymous No.13628097]

>>13628096
>>13628058
I suppose to answer you more fully you should look into books about minimalism (you don't need as much as you think you do) and if possible primitive living/homesteading so you can grow or pick your own food. If you live a city you can probably find things in the trash or in donation bins to take.

[Anonymous No.13628101]

>>13628080
i'm an IT contractor but the key part is i developed an interest in personal finance, investing etc. it is a terrible omission that these topics are not taught in school.

[Anonymous No.13628112]

>>13628097
Dumpster diving is retarded if you can afford food. Why would you want to live like a homeless person?
Learning how to cook so you can make good dishes from cheap ingredients on the other hand is very helpful.

[Anonymous No.13628122]

>>13627971
You're upper middle class. Wealth and job does affect class- once you take a profession you are middle class.

[Anonymous No.13628124]

>>13625026
CONSUME

[Anonymous No.13628127]

>>13628112
You can dumpster dive and still cook food, those are not mutually exclusive. Also you can dumpster dive for things that are not food, I've found brand new clothing (with tags still on) in the trash before and things working sewing machines, among other things. A lot my kitchen equipment that I otherwise would never have bought (like my coffee machine, hand blender, bread machine, baking containers) were from the trash.

[Anonymous No.13628292]

>>13624990
lmao the only reason i've survived multiple financial catastrophes is because i'm extremely frugal. the average american can't afford a surprise $1000 expense. i have been able to afford $5000 surprise expenses without a problem. some things I do:
>never pay for trash bags, I use whatever bags I get for free with purchases or packaging
>walk everywhere, no car, rarely use the bus. bus takes 20 minutes, walking takes 40 and saves $2.50, plus gives me my exercise and is more enjoyable
>buy food on sale, always cook at home. better cook than most restaurants. buy at shady hole-in-the-wall asian grocery stores, not overpriced white people stores like safeway where the prices are jacked up 3x over the chinese
>eat free office food (fruit and toast nearly every day) so i don't need to buy or pack lunch
>buy only secondhand clothing (exception of socks/shoes/underwear), still get compliments on my outfits, buy high quality brands and fabrics that last years and years
>can repair my own clothing, extending its lifetime 3x
>live a healthy lifestyle, rarely need medical treatment, no medications
>pirate everything
>use the same phone for 5+ years until it breaks
>laptops last about 5 years
>minimalist, don't own anything that I don't need/use frequently
>experiences, not possessions
>don't watch (((movies))) and other trash expensive media forms, no concerts/clubs/other bullshit
>take good care of my body and skin, look better than people who spend 30x as much money on clothing and accessories as I do
>self-educated on a variety of subjects, can learn anything through internet resources
>drink mainly tea and water
>majored in acct/fin, knowledgeable on investments and sound financial management
>live on sub-poverty money and stash 50% of my income away
>this ratio will increase as i earn more, no lifestyle creep
>my rent is 1/2 what the typical person spends, i always find the best deals on everything
>phone bill is about $20/month when most people spend 100+
>no subscriptions or other expenses, only major expenses are rent and food
>am setting myself up in a job where my employer will pay for further certifications so i can earn even more money
>come off as upperclass even when i come from dirt poor poverty
>wide range of skills and knowledge, competent, strong, and stoic
>accustomed to fasting, surviving 100+ and sub-0 temperatures, excellent endurance, can walk long distances without tiring
>buy high-quality items that last years and years longer than cheaper versions
>have resold old possessions for half of my money back after using the item for many years
>untaxed side-income from opportunistic chance

[Anonymous No.13628299]

>>13625513
lmfao
IMAGINE THINKING THIS
dumb paypig

[Anonymous No.13628314]

>>13624990
I save money for the sake of saving. I just like the feeling of having money.

[Anonymous No.13628334]

>>13628314
money solves all problems. if you have money in an emergency you can save yourself. if you don't have money you get fucked.

i have no less than 5k liquid at any time.

[Anonymous No.13628369]

>>13628292
>walk everywhere, no car, rarely use the bus
One thing that I find is that physical activity, even light activity, adds up to a half decent workout over time. When I walk, or clean my house, or cook, or carry heavy bags home I always think about how it will benefit my health this way it doesn't feel like a chore.

[Anonymous No.13628385]

>>13628127
I don't know if it's a thing in the US, but here when you have bulky waste like old furniture you have to call the garbage collector and they pick it up from in front of your house. It's a good way to find some used stuff, but I wouldn't actually dig through trash.

When it comes to food it would just feel disgusting to me, a frugal lifestyle to me means that you still have a certain standard of living and save mostly on unnecessary purchases and by repairing your things and so on. Buying my food (or growing it if you can) is a bare minimum for me.

[Anonymous No.13628391]

>>13628292
How do I get the motivation to change my life like that?

[Anonymous No.13628397]

>>13628097
>>13628112
>>13628127
What about just buying food cheaply? Can you eat for less than 1000/yr?

[Anonymous No.13628421]

>>13628292
>safeway
Colorado/West Coast/Washington DC faggot detected

[Anonymous No.13628464]

>>13628369
it's nice, fren. i can eat whatever i like and stay trim and /fit/. i walk to get groceries, carrying them home is a nice workout. driving in a car to get to a gym to run a treadmill is absurd. sell the car and walk for all your needs.
>>13628391
take the blackpill and realize you can be fired at any moment. you will begin hoarding wealth to cushion the inevitable blow.

but really i grew up very poor and watched my parents make bad decisions one after another. with basic math i reasoned if they had lived frugally they'd have had 100s of thousands in the bank. instead they wasted everything and constantly need to bum gas money from people. i resolved to never live like that. i do not live paycheck to paycheck because of my lifestyle choices. even as a child i was very responsible with money and had saved thousands of dollars of xmas/bday money by the time i was an adult.

avoid cars, they're the worst use of money you can possibly find.
>>13628421
i also know what pathmark and piggly wiggly are. where oh where am i from????

[Anonymous No.13628472]

>>13625057
I've seen you posting before you fucking rat, you've been here before

ahhh. shit

[Anonymous No.13628473]

>>13628464
That means survival is the motivation.

[Anonymous No.13628602]

>>13628473
money=resources=survival

[Anonymous No.13628617]

>>13628397

[Anonymous No.13628695]

>>13628292
Thank you

[Anonymous No.13629004]

>>13624990
>splurging is a reward

[Anonymous No.13629008]

>>13625513
>you need transport which is 50k with a 5k yearly maintenance fee.
I stick to public transportation for 500 a year.

[Anonymous No.13629023]

>>13625513
I make about 60K a year and I feel free to do whatever I please. Maybe because I'm single, youngish, and was raised low-income, but these estimates are way off.

[Anonymous No.13629040]

>>13625003
This. I at least somewhat agree with everything other than this in that image.

[Anonymous No.13629125]

>>13628292
If spending 20 minutes of your time to save $2.50 is genuinely something you do, you are not as efficient as you think you are. Your aversion to spending money ignores the reality that literally every decision you make is at a cost of what else you could be doing with your time. If you spent the $2.50 to ride the bus, and lose 20 minutes for that time, you also lose whatever things you could've also done in that 20 minutes. The only way this would actually be economical is if 20 minutes of your time was worth less than $2.50, which in itself would mean you are truly not all that valuable. $2.50 for 20 minutes of somebody's time is not a number that represents somebody of significant value. If you truly wanted to be efficient, you could spend the bus $2.50 bus fare and use that 20 extra minutes gained to further your own entrepeneurial or professional skills. You could even spend that time on the bus reading a book that might further your own personal economic worth as an individual. Somebody who is worth less than $2.50 for 20 minutes is not an efficient person. True wealth is not the amount of money you have at a single time, but the value you bring to your community or economy. Somebody who is truly efficient would pay the $2.50 bus fare and use the time saved from it to make even more money. You're obsessed.

[Anonymous No.13629178]

>>13628292
This is literally me but in a way more extreme ways.

> literally spend $0 cause i work from home
> found a rich gf that pays for everything, 5 years we are together i just fuck good
> if rich gf gets fed up i call my mom to bring food but thats rare cause she is getting old and i don't want to upset her a lot
> my dad is a fat man so we go out atleast once a week where he pays
> i commute only to the gym with my car but i don't even pay for the gym cause i make them jobs and we barter agree
> I only drink water at the gym fountain and fill up to 1.5L bottles to take home so i don't pay for water.


>>13629125
yes my friend it is an obsession cause you probably have never been poor like us to see what it feels like. 3 years ago i had $0

[Anonymous No.13629412]

>>13625513
You're a goddamn complete fucking idiotm. Shit!

[Anonymous No.13629433]

>>13624990
Capital is an asset. Sitting on assets is retarded.

[Anonymous No.13629456]

>>13624990
Work freelance for several years and enjoy living like you're a few weeks of bad luck away from having no money for the rest of your days like I did.

[Anonymous No.13629485]

>>13629433
I only save and invest to own the proles, not because I give a shit about lifestyle. It's not enough to know I'm better then they are but I must have a bank account to match.

[Anonymous No.13629520]

>>13628122
It depends how class is defined in a given country and the social interplay related to it. In my country there are some that are from the very bottom of the barrel but acquired wealth, and they are absolutely not of the upperclasses. For all you know he might be socially excluded by upperclasses despite his wealth. Certainly he would lack their connections and associations. It's not just a matter of income at some time. There are so many factors.

[Anonymous No.13629547]

>>13628369
>>13628292
I do the same but I cut the time down and the exercise up by jogging.

[Anonymous No.13629549]

reminder to pirate literally every byte of digital media humanly possible

if you have ever paid for something you cannot hold in your two hands then you're a fucking RETARD
>ib4 can you hold a mortgage in your two hands? can you hold insurance in your two hands?
fuck off

[Anonymous No.13629558]

>>13629008
get a bicycle you mud hutter

[Anonymous No.13629632]

>>13629125
>getting exercise and saving money is bad because jew calculations say so
walking is enjoyable. you can stay mad, though. i'm not reading that shit.
>>13629547
eh, i don't like jogging. shitty knees. i used to cycle though, but i'm tired of getting in death battles with cagers.
>>13629549
my bro
i won't apologize, i pirate like $10000 of stuff a year and will not stop.

[Anonymous No.13629659]

>>13629125
>True wealth is not the amount of money you have at a single time, but the value you bring to your community or economy.

why even use the word "community" you gay retard? communities don't exist anymore

[Anonymous No.13629734]

>>13629659
I wanted to illustrate a local economy as well as an economy at large.

[Anonymous No.13629771]

>>13624990
>Save money to afford things they really care about
Based.

[Anonymous No.13629813]

>>13629520
I said upper middle class. You can only be born or marry into the upper classes (nobility and royalty). The middle and lower classes have their own divisions within themselves which are based on job and money but are not heritable. You can be upper middle class from a lower class background from acquiring wealth or a skilled job, but you cannot be upper class from either of those things. You can be upper class and spend your time cleaning toilets for minimum wage to pay off debt and you're not middle class or lower class. Middle and lower class are set by wealth and job status, but the upper class are not revoked of their noble status for bankruptcy or becoming a hamburger flipper. The middle and lower classes can have the kind of snobbery you're talking about too.

[Anonymous No.13630058]

>>13629178
>yes my friend it is an obsession cause you probably have never been poor like us to see what it feels like. 3 years ago i had $0
None of this is relevant to any of what I said. My point was that your obsession with immediate material wealth is baseless and ultimately detrimental way to live, even just by the standard of being economical. If you are saying that you understand your behavior is counter productive, and that your doing so is a product of your past experiences that you cannot properly grow out of, fine. If you mean to say that the very objective qualities of this mode of thinking, that I illustrated were counter productive, are not actually counter productive because of some enlightenment you believe I haven't experienced, you're beyond delusional. The reasoning I gave was very simple, that your philosophy towards saving money in fact costs you far more than the money saved should be worth. If your infatuation with preserving money prevents you from correcting, this, fine, but you should at the very least stop deluding yourself into thinking that your mentality is productive.

[Anonymous No.13630211]

>>13628292
>walk everywhere, no car, rarely use the bus. bus takes 20 minutes, walking takes 40 and saves $2.50, plus gives me my exercise and is more enjoyable

dam anon I wish I lived where I wouldn't have to worry about getting hit by a car if there isn't a sidewalk on the road. must be great being you!

[Anonymous No.13630448]

>>13630211
iktf
move to a more ped-friendly city. they don't deserve your tax dollars if they can't even provide sidewalks. here the cars are super chill and yield to peds so you can actually cross the street without being murdered. in my old city even when i had the ped-light they still wouldn't let me cross, it was playing IRL frogger with one life. not cool.

some places just need a nuclear fire cleanse.

[Anonymous No.13630896]

>>13630448

Where in the US do you live?

[Anonymous No.13630903]

>>13626747
My insurance alone is 6k, car tax is 2k.

[Anonymous No.13630905]

>>13628101
if everyone was good at investing, wealth would have to be shared among more people, which wealthy people don't want.

[Anonymous No.13631124]

>>13627256
oh i see, so your sayin that if i pick up a job as a fry cook and maybe cut down on the consumption i could be a millionaire a few decades and die happy with my money

[Anonymous No.13631148]

>>13624990
Become a jeovah witness

[Anonymous No.13631442]

>>13631124
it is your attitude that holds you back anon

[Anonymous No.13631451]

>>13629659
Community always exist, they just become more or less neurotical and more or less integrated. Even this place is a community, albeit a toxic one.

[Anonymous No.13631570]

Is investing really necessary?

[Anonymous No.13631618]

>>13631570
>Is investing necessary?
It depends on your goal anon.
>Wanna be rich?/have a higher social status
It definitely is one of the staple ways to gain monetary wealth over time outside winning the lottery, committing a crime, or theft/heist.
>Wanna go travel?
Not really. Saving can reach this goal quite easily.
The tediousness and "wait time" for an investment to mature is a little too tall of a task for a few people but if you are young and aiming to do some spelunking on your middle age then investing is fine.

However if your aim is to travel by next year somewhere, then living frugally and saving more than 50% of your income will do.

[Anonymous No.13631629]

>>13631570
Yes. Put 20% of your monthly income into a total US market share etf. Vanguard or Blackrock have them. Get a broker, ameritrade, fidelity

[Anonymous No.13631643]

>>13631618
>>13631629
What if I am not American. Which I actually am not. I live in a third world shithole. Is it worth investing my money here or do I strive to land a job overseas?

[Anonymous No.13631660]

>>13631643
Depends how third world. Africa? Get out. Middle and South America, Asia, and Eastern Europe have nice enough places.

[Anonymous No.13631664]

>>13631570
I only invest in crowdfunding initiatives, because I can actually know the business and exactly know what the money is used for and how sure it is they make a profit.

[Anonymous No.13631672]

>>13631664
Also this way you can help your local entrepreneurs make the place you actually live more comfy.

[Anonymous No.13631677]

>>13629813

>burger flipper

Upper-class here. I can assure you burger-flippers lose their club membership. Bankruptcy is fine but if you end up cleaning toilets you were never really one of us.

[Anonymous No.13631777]

>>13631677
So what then? Either rob people or kys yourself?

[Anonymous No.13631801]

>>13628292
>majored in acct/fin,
fucking cheapskate CPAs always dumpster diving like a crust punk

[Anonymous No.13631812]

>>13624990
>Cheap people
Aka people that care about survival over status.
>Frugal people
Status obsessed retards that think it's great to slave away your life as long as people think nicely of you.

[Anonymous No.13631838]

>>13624990
L E N T I L S
E
N
T
I
L
S

[Anonymous No.13632218]

>>13631570
In order to become a millionaire or to just retire early, yes. It's not guaranteed though but it's definitely necessary. Read about compound investing.

[Anonymous No.13632246]

>>13631777
Old money people have so many connections that they wouldn't end up as janitors even if they had $0 to their name. They can always rely on powerful friends or family members.

[Anonymous No.13632321]

>>13632246

This guy knows what's up.

[Anonymous No.13632732]

>>13630896
fuck off we're full
just browse cities by walkscores...you'll find somewhere decent.
>>13631629
>broker
>(((broker)))
>not using robinhood
>not trading from your phone
lol
>>13631801
funny how the people who know the most about how to calculate the true cost of things would become the most frugal people
almost like the normalfag lifestyle is extremely wasteful and looks like nuclear hellfire or something

i hope you have a 30%+ savings rate from your after tax income, anon. tfw at 50%, feels good man. dollar for the bill collector, dollar for me.

[Anonymous No.13632862]

>>13627582

this is partly true. most people in the lower class are limited by basic education. they can't run a schedule, they can't be anywhere on time, they can't delay gratification.

this is primarily due to how they are raised and is extremely hard to fix.

however if you are poor and not stupid this is a lie. poor people like this stay poor bexause of a combination of terrible habits and bad incentives. they don't save because they don't see a way out. they buy broken stuff because they don't understand investment, etc

[Anonymous No.13632878]

>>13628292
mega based.

I love it man.

why are young people so into early retirement though? why is that our dream?

[Anonymous No.13632894]

>>13629125
this is your brain on late stage capitalism.

you can't value your time as billable hours for a few reasons. first the work actually has to be there. if you can literally get paid for another hour it's more relevant. if your job is salaried or you have to sell more work to do, it's not true at all.

second, your time is holistic. a half hour of excercise or spending time with family benefits all your time. eating good meals is similar. you can't just focus on each hour as its own choice.

third. this is absolutely a plot by the Jews to make you hyperspecialized and dependent on the financial system. it's valuable to be able to cook your own food. it's valuable to be able to fix your own car. all this makes you independent and free. if you just see all these things as financial transactions you become dependent and powerless.

[Anonymous No.13632915]

>>13628292

whenever I talk about saving money everyone gets bitter. they talk about not being a boring tight wad and living life. yet I do all the stuff I want to do.

if they really buy this hedonism "just be yourself", they would have no reason to challenge your choices. People are just bitter about you being more disciplined and getting long term benefits. they hate the choices they made or feel the need to justify them.
all of these frugality haters are just crabs in a buckets pulling you down

[Anonymous No.13632936]

>>13632878
working sucks and we haven't drank the boomer's coolaid
you have one life. i don't want to piss it all away clacking a keyboard for Mr. Cohen and Associates getting paid peanuts and pissed on every day. Brownnosing is not one of my hobbies and I don't want to talk to Cindy and LingLing at the water cooler about what new car they would buy if they got paid enough to afford one. I don't derive my identity and personality from my job title and workplace. I don't think forced wageslavery "builds character" or that wageslaving improves me in any way. It is soul-destroying enslavement. Every wageslave is broken into an empty husk and loses every dream and ambition they ever had.

I'm here to get the money and get out, and frugality gets me out faster.

[Anonymous No.13632951]

>>13625026
>t. 0 IQ

[Anonymous No.13632952]

>>13632951
Can you explain it?

[Anonymous No.13633382]

>>13624990
> anti consumerism

the new testament.

> how to save and invest

in order of ability:

Dave Ramsey: literally gets the Jew out of your life. you've heard hes a little extreme? yeah and it works and it's idiot proof. you can ignore some of his advice after your debt free.

bogleheads: (boomer alert) how to maximize savings and protect against taxes, basic investing advice.

mrmoneymustache: turning up the savings rate and early retirement. minimalism lifestyles

common stocks and uncommon profits: how to invest in individual stocks and businesses

[Anonymous No.13633577]

>>13628101
>it is a terrible omission that these topics are not taught in school.
This was done on purpose. There is intent.
I'm a boomer, graduated HS in 1973. Personal finance WAS taught, back inna day. It was part of Civics class. Especially for seniors about to graduate. The capstone civics class project was to budget for your life as an adult. Housing, car, utilities, food, all the expenses of life. Also included were lessons in how banking works, checking and savings accounts, using credit responsibly, basic workings of finance and wall street. Basically, an overview of managing your financial life. This course was intentionally terminated in 1985, during the republican revolution, when Reagan came to power. It cost too much, and is of no use in education.
Without that basic knowledge of adulting, we have raised several generations of sheep to be sheared by corporate America. Most college graduates are incapable of managing those mentioned topics in todays world.
The only purpose of an American citizens life today, is to exist solely for the $$$ extraction by financial vampires.
The dumbing down of the population is intentional.

[Anonymous No.13633660]

>>13629433
>Sitting on assets is retarded.
you are confusing living expenses for capital. you are confusing individual savings as capital. link related.
https://financial-dictionary.thefreedictionary.com/capital

[Anonymous No.13633671]

>>13633382
I second this recommendation Ramsey is goat..

[Anonymous No.13634511]

>>13633577
>The dumbing down of the population is intentional.
>said a member of the dumbest generation in the history of mankind, hands down without peer
fuck off and die already you retard, don't you have a lawn to mow?

[Anonymous No.13634743]

>>13632732
>fuck off we're full

I live in Western Europe, so most burger-problems are not a thing here. I'm just curious, the only American cities I've visited and thought people could live car-free were NYC, Chicago and Washington DC (never been in Boston).

[Anonymous No.13634755]

>>13634743
You have all the burger problems just lite. High obesity rates, mass immigration subverting you in your own home, liberals.

[Anonymous No.13634760]

stop watching tv and you will want to buy less things

[Anonymous No.13634774]

>>13625026
You must not know very many people.

[Anonymous No.13634793]

>>13634760
>don't watch tv or movies
>don't watch youtube or netflix
>don't follow blogs or podcasts
>don't play vidya gaymes
>don't have social media
>don't keep up with the joneses or have interest in social dick measuring
>have zero desire to buy fancy junk i don't need
checks out. just read books and skip all that inferior bullshit.

[Anonymous No.13634805]

>>13634511
Every generation since has been dumber, peaking with millennials

[Anonymous No.13634806]

>>13625513
take the build pill

you can still find places that will give you free land if you develop it. some in canada require a $1000 deposit, and within a year if you build a home worth 125k (rundown shacks sell for 250k) you get your deposit back. then its just property tax. You can build small log houses for 20k realistically. even making low wages you can save 20k over a 3-4 years.

[Anonymous No.13634818]

>>13624990
read pentti linkola and then reassess your needs

[Anonymous No.13634823]

>>13634760
>i don't watch tv, just netflix xD

[Anonymous No.13634880]

>>13634806
How do you make money from homesteading?

[Anonymous No.13634959]

>>13625801
i don't even have $100 disposable income
my old man warned me, and he was right.
son of a bitch

[Anonymous No.13634969]

>>13633577
> something something about Ronald Regan cutting programs.

Is there any problem liberals can't use this line on?

[Anonymous No.13634982]

>>13634880
i couldn't really tell you. but i imagine its by selling anything in excess of what you need. you might not make much money, but youll need less money

[Anonymous No.13635924]

>>13634982
>don't live in a city where you can earn 100k and find a partner earning at least 50k additional income
>where you can live on 40k easily between the two of you
>move to the sticks where the cost of living is 20k and the income is...whatever welfare pays
>and your options for a wife are...a deer or a dakimakura
>the deer can earn you $100 in income once from the meat and hide, but after that you need to find another deer-wife
>yeah bro its a great deal

Have you ever met a city dweller who was rich? Probably yes
Have you ever met a guy subsistence farming in the sticks living in a homemade shack who was rich?
Gonna say no.

Stop giving financial advice you fuckwit.

[Anonymous No.13635934]

>>13635924
Uhm everytime I drive through farmland all the houses are huge. If you own property you can farm on it seems like you are well off.

[Anonymous No.13636050]

>>13635934
lmao oooh the houses are big.
nevermind, do your thing, idgaf. but stop coming here and talking like you know shit. you're degrading board quality.

[Anonymous No.13636071]

>>13636050
I genuinely think you’re wrong, cities are where the rich and the poor gather alike and the country is middle class.

[Anonymous No.13636087]

i dont know anything about money. i dont know how much people my age usualy have, how much theyre generaly making, how much they generally spend. i have about $5000. (havent looked in a few weeks honestly) i have no idea how much money my parents have. we had a pretty nice house growing up and my dad buys lots of electronics. id guess we are upper middle class. i hope i get a lot when they die.

[Anonymous No.13636107]

theres some retarded assumptions on this thread about how expensive shit is that just goes to show how fucking stupid t is that people under 21 are allowed online. im 21. but ur retarded if u think any old house is a million dollars. living in san fran is not obligatory. move to dallas, buy a cheap co op apartment in a latino neighborhood if ur making 35k a year. like jesus. a million dollars for a fucking house are you fucked out of your mind. you dirty little kike spreading anticapitalist propoganda. just kidding brother nothing but innocent , global love here. peace

[Anonymous No.13636759]

>>13628292
>can repair my own clothing, extending its lifetime 3x

I also do this. I repair my socks and make underwear from old/free t-shirts.

>buy only secondhand clothing

I never buy second hand clothing. I would rather buy cheap and new.

>phone bill is about $20/month when most people spend 100+

My phone bill is $10 to $20 for 3 months because I don't make that many calls almost never use the internet on my phone.

>experiences, not possessions

I have a hobby that requires a lot of materials, so possessions do matter for me.

>minimalist, don't own anything that I don't need/use frequently

Having certain tools at hand, even if they're not used often, saves me a lot of time.

>self-educated on a variety of subjects, can learn anything through internet resources

You won't be able to learn anything on the internet. There are many things they don't teach you.

[Anonymous No.13636945]

just dont buy shit

[Anonymous No.13637379]

>>13632936
Couldn't agree more anon. I live to not work. I want to retire by 40 (23 now) and put every bit of effort into going off grid on a self sustainable farm supported by long term investments and soul crushing hard work now. Working till 65 and retiring sounds like hell.

[Anonymous No.13637431]

>>13625513

man no wonder so many people hate their lives when we've reduced them to this

[Anonymous No.13637931]

>>13625513
>500k house
Where the fuck do you live? San Francisco or Mars? I can buy a nice house for 100k easy here in Indiana.
>50k for a car
My car cost my 4k and I've had it for over a year, only maintenance costs are oil changes every 5k miles for 40 bucks and the occasional 5-100 dollar fix that maybe happens twice a year. Insurance is 100 a month which still falls way short of your figure of 5k yearly maintenance.
>10k on food
Maybe if you go out to eat everyday, I raise a garden, own chickens, and don't buy food that goes to waste. I cook food and eat the leftovers for days. I spend probably around 2k on food a year.
Btw I make 30k a year and live comfortably and have 4 days off every week. I work 12-13 hours Saturday, Sunday, Monday and sometimes pick up some overtime. Base pay is 19.25/hr. I've been working for 2 years and I have 8k in the bank saved for whatever I want to spend it on. My home is about 1700 sq ft which is more than enough for one people

[Anonymous No.13638348]

>>13628292
b8sed

[Anonymous No.13638363]

>>13631629
this is actually good advice.

[Anonymous No.13638405]

>>13634743
You can definitely live car free in most medium sized US cities, but it is far less convenient than Europe due to the sprawl and lack of public transit.

[Anonymous No.13638421]

>>13636050
I think you're kind of the dumb fuck here. Rural life isn't for everyone but there are clear benefits. Living in a large house with no neighbors within earshot seems like a clear advantage over paying out the ass to share walls with people. It's obviously a trade off but it just depends what you value.

[Anonymous No.13638434]

>>13637931
seems kino

[Anonymous No.13638481]

>>13631677
>upper class and know nobody with a national trust house
Looks like you're out of the club for not being related.

[Anonymous No.13638572]

>>13636759
>You won't be able to learn anything on the internet. There are many things they don't teach you.
Learning isn't about being taught, it's about seeking knowledge and understanding through any and all available means.

[Anonymous No.13638638]

>>13628397
Eat free continental breakfast at hotels, they don’t bother to stop moochers because the risk of offending a guest is worse than losing some shitty food. You could easily get 2000 calories a day in at a hotel breakfast.

For less than $2 a day you can eat 2 McDoubles which is 46 grams of protein. I think I read an article about the McDouble being the cheapest peasant food of all time. ($507-$726/year depending where you live)

Ask fruit and vegetable markets for produce they can’t sell, usually its fresh just defected. At worst you have to cut a small bit of decay off, which isn’t that gross is you use a juicer to consume them.

[Anonymous No.13638732]

>>13637931
in australia houses are 1 milllion (for what you described), and you need a combined income of 150k with your partner just to meet the down payments. (there will be no backyard, just houses glued to each other)

[Anonymous No.13638781]

>>13625513
>you need a house which is 500k. then you need to pay off the loan to the bank, which is another 500k. you need transport which is 50k with a 5k yearly maintenance fee. you need to repay 20k a year to keep your home, 10k on food and utilities and 5k on your car.

fucking yikes. stay enslaved lad

[Anonymous No.13638794]

>>13638732
Not my fault you live on the sarduakar planet from dune

[Anonymous No.13639031]

>>13638638
don't even need to do that any more. there are food sharing apps where people who have spare food give it away to anyone who wants it. for example i saw olioex.com advertised on the tube today. i think you have to be quite trusting to use such a thing though.

[Anonymous No.13640288]

>>13638732
>>13638794
Don't bullshit you melodramatic basedist. Housing is pretty expensive but easily affordable for 90% (if you didn't realise the country is quite wealthy) of people barring the bottom 10, if you don't live in some clogged shithole of an area in Sydney or Melbourne -- everywhere else is fine. Also if you really have a problem then take to the streets and advocate reducing if not eliminating the massive and unsustainable immigration that our political class, all of them regardless of party, put above all else.

[Anonymous No.13640408]

>>13635924
imbecile

its not about being rich, it's about escaping consumerism

[Anonymous No.13641007]

>>13636759
>I would rather buy cheap and new.
dumbfag.
>buy cheap new thing for $20
>falls apart in 6 months
>buy gently used thing for $10 some richfag wore twice and then donated/sold/traded in
>lasts 10 years AND makes you look classy af
get gud fgt
>You won't be able to learn anything on the internet.
peak boomer. i suppose calling your mommy on the phone is soo much better than having access to 100,000 people's mommies on the intershit?
>>13636107
>don't live somewhere you will enjoy life and be able to advance your career and meet a good spouse
>move to fatshit-land and live in the cartel ghetto, be miserable every day, flush your life and career in the toilet, and become part of the new favela by surrounding yourself with human garbage
>>13637379
my nigger
i've augmented it though. straight early retirement frontloads all the work. i'd rather do part-time or online-only work sooner rather than spending 60 hour weeks until my hair is grey, then get to enjoy life. the tech for online work is there, but boomers won't allow it until they all fucking keel off like week old fish. reeking shitbags fearful of technology who ruin everything for everyone else because they were incapable of not blowing their money. if you're still working at age 70 you are a massive fucking loser, and that's who everyone's management is.

[Anonymous No.13641175]

For the frugal living anons here any advice for being frugal and raising a family of 2-3?

[Anonymous No.13641227]

>>13641175
>they eat what you eat, never cook a special second dinner for brats
>no brand name cereals and gimmicky "snacks" that set up bad eating habits and turn them into fatfucks, juice is garbage, they don't need lunchables and little plastic baggy precut apple slices
>baby food is just blenderized regular food
>anything with "baby" in the title is the normal shit but with the pricetag jacked up. baby oil is just fragranced mineral oil, for example
>titties = free milk. formula = lower IQ retard children with cancer
>secondhand clothes, people give away baby/kid shit for free or nearly free by the truckload, and the kids just ruin it anyway
>your kid doesn't need a fucking ipad or 900 gallons of toys, get him library books and lincoln logs and/or a friend and a soccer ball
>don't hook him up to the idiot box as a substitute babysitter, tv is full of advertisements and kids are easily manipulated by that shit
>don't let relatives spoil them, they'll turn into whiny brats who hate you and guilt trip you to buy them shit
>kids don't actually want toys, they want their parents to sit down and spend time with them
>libraries and schools always run free kids programs, sports, lessons, etc.
>your wife is going to want to go ga-ga over shopping sprees "for the kid". smack her and tell her off
>don't paint the kid's room obnoxious colors they pick out and don't get them a bunch of brand name disney decor, they're gonna grow out of it in two years and then resent you for leaving it that way and embarrassing them
>you don't. need. a. bunch. of. shit.
>kids who entertain themselves become smarter kids than ones hooked up to gayming consoles and ipads
>don't buy yearbooks and high school gear, it all gets tossed in the trash because no one likes their school photo 5 years down the road
>don't let the hospital mutilate your son's biscuit hammer

[Anonymous No.13641450]

>>13641175
kids don't have to be super expensive

- used clothes
- don't take them out to eat
- don't buy them a bunch of toys (I had them as a kid, I could have done with a lot less.)
- don't do big vacations.

The articles you read online about kids costing 250k are from liberal proffesionals who have one kid, and they pay for day care, piano lessons, private tutoring, colleges. Kids don't need that shit to be competent and successful.

[Anonymous No.13641523]

>>13632732
>using robinhood
thats gonna be a cringe from me dog

[Anonymous No.13641552]

>>13629178
>> I only drink water at the gym fountain and fill up to 1.5L bottles to take home so i don't pay for water.
but you pay for the $300/year gym membership?

[Anonymous No.13641557]

>>13628292
>>wide range of skills and knowledge, competent, strong, and stoic
are you just copy + pasting this from your resume

[Anonymous No.13641902]

>>13632894
I only meant to say that his lifestyle was counter productive to the point of preserving wealth, not that either his or my alternative were ideal. I certainly think it makes sense to value physical exercise, but it does not make sense to skip a $2.50 bus fare at the cost of 20 extra minutes of one's time for the vast majority of adults. The point of the bus decision is to trade the 20 minutes for $2.50, not to exercise. Also, my referring to everything as costs and trade off was not supposed to be referring to finance, but that when you choose to do something, you are doing it at the cost of possibly doing something else. This is not a capitalist view, nor is related to anything in the realm of finance. It is the simple fact that we make conscious decisions on what we spend our time on, and that there is always something else we could be doing with that time. The other anon's life decisions are ones that I explained to be counter productive to goal of retaining wealth. I would imagine that if he valued not being dependent on luxury facilities, such as fast food or the like, that he could put the time into learning to cook for himself. But the topic of this thread is not cooking, nor is it skill development. I maintain that this user's illogical bend to preserve short term wealth is counter productive and shouldn't be idealized.

[Anonymous No.13641921]

>>13641227
At first I was like holy shit I’m glad I wasn’t raised by you but desu having a foreskin is probs worth it

[Anonymous No.13641930]

>>13641552
There are cheap gyms, like ymca

[Anonymous No.13641957]

>>13641450
>- used clothes
- don't take them out to eat
- don't buy them a bunch of toys (I had them as a kid, I could have done with a lot less.)
- don't do big vacations.
You'll be spending that saved money on a shrink

[Anonymous No.13641970]

>>13641957
The best is hand me down toys. My family now has 3 generations of legos all collected into a massive bin.

[Anonymous No.13642036]

>>13641970
My lego collection now is absurdly large. I almost want to have kids just to give it to them.