Thread 214472002

Are women financially literate in your country?

>>214472002 (OP)
>Dream car is a big ahh SUV
Checks out

most of them e-beg and blame government for that. they are the victim always and you say something against that its misogyny and they call you incel. yes

Yep. Girls are a financial liability.

I'm just not wired to understand the concept of "dream car"

>>214472002 (OP)
My mother squandered my dad’s 30M$ inheritance in roughly 5 years.

>>214472597
kek

>>214472002 (OP)
We need to ban usury.

>>214472597
holy shit

>>214472597
how?

>>214472002 (OP)
car loans are such an American retardation.

>>214473109
Most of it wasn’t liquid, obviously. Real estate and other assets. Sold most of it at a fraction of the market cost in a rush for no reason. For other assets she spent enormous money on shitting out extravagant renovations. Left other people in charge of it and they took advantage of her. Then spent a ton of money suing them and losing every case. Other genius investments include wasting 100k on some shitcoin.

>>214473224
there’s a reason women were only given the right to vote 100 years ago, it’s women are dumb as fuck. Did you at least get some of the inheritance?

>>214473224
Why did your father trust a woman? Feminism is a fucking lie
I just hope you got something of value or your dad still has some left

>>214473277
Nope, I was 16 when my dad died and it all went to my mom.

>>214473290
Oh
Sorry to hear that anon. Good luck

>>214473290
Sorry to hear that, I hope you’re in a better place in life now

>>214473350
I fucking wish, but thx.
>>214473314
thx

>>214473367
are your father’s extended family still alive to help you?

>>214473394
No. There’s his ex wife and my half-siblings and they hate our guts. Don’t worry, they squandered it all too :) We aren’t old money for a reason.

>>214473290
RIP. And what an outrageous story

>>214473438
> and my half-siblings and they hate our guts
Why do they hate you personally?

German inheritance law is so stupid, a parent’s inheritance should go to their children, managed by the state until they turn 18, NOT their spouse.

>>214473552
Because my mom took away their dad.
>German inheritance law is so stupid
It was his own will, my duderino.

>>214473224
>>214472597
Holy fuck sounds like my mom. She inherited 40k and first thing she did was buy a giant ass tv, leather couch and a handcrafted table. Meanwhile her bathroom upstairs is unusable. I still have to explain to her to stop buying unnecessary shit. Every fucking year she's surprised that the same recurring bills come back AT THE SAME DATE while she has no money saved for it. It's a miracle she was able to pay off her house. Fucking boomerd.

>>214472057
>big ahh

Kys zoomer

>>214472002 (OP)
>$1.6 TRILLION debt
At that point it's entirely the creditors problem, who lets someone get that indebted?

america is an evil evil place

>>214473577
your father was a retard

>>214474170
1.6 trillion/340 million = 4.7k/person
not that bad at all, but Jewish tricks make it sound catastrophic

>>214472597
women are objectively not human

>>214472002 (OP)
>women

It's AMERICANS.

They pay $152k on a $45k car.

>>214472002 (OP)
men are more likely to be in debt here, yes

>>214474216
Why are you including Americans who are 0-17? They don't buy cars Don't include Americans 50+ either, who should already have a car paid off.

There are ~140M Americans between the ages of 18-49.

That's nearly $12k/person. That's assuming everybody in that age group has a car.

>>214474452
>That's assuming everybody in that age group has a car.
Which is safe to assume because this is the United States.

>>214474364
Why do they have such bad interest rates? I had 1% on my car when I bought it 4 years ago

>>214474364
Why are Americans so averse to saving up money and only buying things once they can afford them?

>>214474498
because the line won't go up as fast

>>214474483
Because they 1) Have a bad social credit score 2) Went to prison or some shit.

>>214474498
No instant gratification means you're in a socialist nation.

>>214474364
>10.65% p/a interest rate
>107k on finance
Holy fuck, man.

>>214474498
They NEED to have a car if they want a job. Remember, in the US, having walkable street is for poors and yuros, and public transit is full of hobos, druggies, and gays. So they NEED a car to get to their workplace which is 100 miles away. No car = no job. They'd get into debt to get a car to get to work to make the money to pay off the car.

>>214474614
Surely it would make more sense to get a cheap used car in that case. I'm sure there are enough cheap used car in the USA, for someone to be able to pick one up for a couple of grand, which would last a few years at least. Well, that's what I would assume.

>>214474498
They think that making debts and paying them off is a good thing because it's "building credit"

>>214474498
Waste of time in a finite life. Bankruptcy isn't that bad, there's always the uber money fields, the government will be rewriting the rules to screw over savers anyway. It's completely rational for a lot of people

>>214474669
>Bankruptcy isn't that bad

>>214474225
Lol, touch grass o algo. Men waste money recklessly all the time. In Ukraine, Russian soldiers make fortunes (by Russian standards, in reality, tens of thousands). Notoriously, many of them spend it on drinking, gambling and prostitutes within a few months once given the chance.

>>214474650
Even Americans with bad social credit scores need to pay out the ass for a car.

>>214474650
>Surely it would make more sense to get a cheap used car
Doesn't fly with HR I'm afraid.

>>214474170
Bankers
Also, isn't the national debt in the US like 38 trillion?

>>214474825
>even
That’s how credit score works, retard.

>>214474650
obama fucked this market up with the cash for clankers iirc
maybe a burger can provide more detail on this

>>214474650
>>214474825
How about a 15-year-old car for $800 a month (only $200 a week!!!) for 84 months?

Good thing these people are too dumb to calculate how much it is in total.

>>214474842
land of the free

>>214474825
surely there is way too much risk here
what is the dealership doing?

HELL YEAH NIGGA A 2023 CAR

>>214474697
After spinning the wheel for several years, your typical mcwagie would go through chapter 7 where they keep their house and all the shit they actually need and the rest is discharged. Then their credit sucks so if they want they can get loans like this >>214474364
>>214474214 and do it again

>>214474910
there is no way these people are that dumb, how much do you think the dealership actually collects from these people before they default? they take the car back but how much more money that the cars worth to you reckon they rake in?

>>214474842
LOOOL
O
O
O
L

There simply ain't no way man what the hell oh hell nah man what the fuck no no this is a joke right? It has to be a joke there's no fucking way brother. Please tell me because if this is real I will NEVER EVER TILL THE DAY I DIE take a single amerimutt seriously.

>>214474898
>surely there is way too much risk here
he got 2.5k, and once they repo it he can sell it again for 2.5k lmao
unless she crashes it

>>214474898
The car's resale value is less than $2000. If they make anything above that, they're gucci. The car is likely repossessed or exchanged hands a hundred times.

NO SOCIAL CREDIT SCORE = NO PROBLEM

COME GET YOUR NEW CAR TODAY

70 BUCKS PER WEEK

>>214474842
LMFAO
M
F
A
O

THEY SEE ME ROLLIN'

THEY HATIN'

>>214475057
these places just print money don't they

>>214475081
The stereotype of car dealers being shady mfs exists for a reason.

>>214474842
Based, I hope they also bully people with cheap clothing

>>214474977
I’m sure the plan is to take it back after the first failed monthly payment and just sell it again, the admin fees from constant sales might be what keeps things ticking over too

>>214475081
Don't hate the player, hate the game.

>>214475057
>>214475030
>>214474910
>>214474885
I don't get it, someone has to pay the bill in the end. Who? The tax payer?

>>214475057
>Mutt kid
Writes itself doesn't it?

>>214475119
>Right wing capitalist cap
>Doesn't invest his capital
Americans are the stupidest bunch.

>>214474498
Anglo peasants (which is the bedrock of American common culture) have always been of the opinion that money is there to be spent, but now with easy access to credit they are spending money before they've even got it.

>>214474842
What in sweet fuck did I just read?

>>214475122
The customers are paying to rent for as long as they can stall the repo guys

>>214472002 (OP)
Surprisingly that's one of the few positive things about Shitalians, we've traditionally been very averse to debt and keen to consistently save money (it's changed a bit in the recent years though).
Probably one of the main reasons why I still consider Italy more or less a first-world country, on average we are poor in cash-flow but rich in assets

>>214472002 (OP)
Americans ability to consume scares me

>>214475351
It is so fucking funny to me that it is important geopolitical leverage

>>214474849
>Also, isn't the national debt in the US like 38 trillion?
The economies of a single person/family and an entire country aren't comparable at all, despite how much chuds love to say otherwise.
Granted, it isn't ideal for a country to have such high debt even if it has monetary sovereignty, but a country can do much more to deal with that than random whore with no financial restraints.
>Bank: It's bank Shekelstein, how do you intend to repay your high debt?
>Country: Well we could allocate this percentage of the GDP to it while we keep growing and take less debt and so on contracts allocations permissions yadda yadda and so forth
>Random whore: uuuhhhh this idk lmao I have a son or something

Anybody have that webm of a bunch of Americans who work at a dealership talking about how many cars they own and how much they pay in car interest every month?

>taking a loan to buy a car
For what reason?

>>214475433
Living. Can’t live without a car in the US.

>>214475446
Just save up some money

>>214475464
What are you, a commie?

>>214475464
they need a car to travel to their job 50 miles away (public transport is for communists)

>>214475464
How do you save money without a job?

>>214475486
I just think taking a loan for something that depreciates as fast as a car is pretty retarded.

>>214475540
Americans are retarded, more news at 11

Should I just abandon my family at this point?
>mom receives 20K from the state after legal labor stuff
>starts spending it all on useless crap like a TV, furniture, shit just for showing
>we get into a big argument because I say she's being dumb and she says "It's my money, I do what I want"
>gets fined for frauding the water company
>the fine was 15K
>she had nothing left, now the fine will be paid monthly with interest
>I have to help her or else she will be homeless or starving
Also, when I was a teen she threatened to kick me out if I found a job because it would make child support stop(it was 1/5 of the minimum wage). This made very difficult to find a job as an adult.

>>214472002 (OP)
I can't believe people buy new cars, it's idiotic.

>>214475614
people like that will only ever drag you down. I don't know you and I'm not going to pretend to know everything and that you should do as I say but I know for a FACT that people like that will only ever drag you down and make your life more difficult

>>214475614
I know I would in your situation. Can't help people who refuse to help themselves.

>>214475629
It's a dirty job but someone's got to do it

>>214475686
>>214475698
I don't even care about the social stigma of abandoning family, I just don't want this dumb bitch to get seriously fucked. What's even worse is that she's so annoyingly stubborn that no one in the family will accept living with her.

>>214473708
what does that mean

>>214476052
big ass but with faggy censorship

>>214472597
I would beat the shit out of her

>>214476063
Seriously? I've seen that used online so many times I it never made sense but when you put it like that, I don't know how it didn't click right away.
Are zoomers against swearing, or something?

>>214476063
Zoomers can't say ass?

>>214476138
>>214476142
Companies are against swearing, so no naughty words on social media. Zoomers and gen alpha live and breathe social media, so they think it's hip and cool.

>>214476170
lmao
I feel bad for them, man.
Maybe they'd actually benefit from having to use chat programs like msn messenger instead of tick tock or whatever else they are using.

>>214476170
zoomer brains have been graped by big tech

Only reason I'll never take a loan for a car, is the potential scenario where it's totaled or stolen, and I still have to pay it off like a retard.

>>214475057
Like a renaissance painting.

>>214472597
Man I'd never recover. Even if I loved my mom I could never fully forgive her for preventing me from living a life where working isn't a requirement

>>214473224
>>214473577
Sounds like your mom was a gold digger
shit, dude

>>214475433
I thought Swiss were supposed to be bankers and shit, how are you just as funny financially illiterate as every other euro on /int/

>>214477166
They are bankers. Bankers know that loans are for stupid goyim. It’s you who is financially illiterate.

>>214477166
how is he financially illiterate?
consumer credits are usually bad financial decisions.

>>214475122
>$800 a month (only $200 a week!!!) for 84 months
> 67200USD, which is equal to 25331BHD
My God man. this could get you a brand new, 2025 supra here.
https://bahrain.yallamotor.com/new-cars/toyota/supra/3-0t-gr

>>214477279
yeah but they never even pay close to the 67200USD, they pay a few thousand then default, at which point the dealership repossesses the car just to sell it again to the next retard

>>214477166
The Swiss bankers have pretty uniquely been able to keep their bond rates low, which seems trendy right now (remember the handwringing over ZIRP?)

I drive a 25 year old sedan that's leaking oil.

>>214477335
this is all so foreign to me to be frank with you. is this normal in other countries or is it a uniquely American thing? where I live young people get cheap, hand me down shitboxes, or just buy a shitbox until they can afford something better. and even then many just buy a used but in good condition cars. not many people buy new car nowadays, except for chinese cars because the car market is horrendous.

>>214472057
Let me guess, your dream car is a cramped little go kart with the suspension of a shopping cart

>>214472002 (OP)
I could have saved her

>>214477584
buying things you can't afford with money you don't have is the american dream

>>214472002 (OP)
there are no people more deserving of financial hardship than lower-middle class people, they finance everything in their life and have no concept of delayed gratification, then they try to group themselves with actually poor people to get sympathy.

It's not just foids who do this. America is car dependent, and for some reason people think they need a new car.

>>214477411
based, ive been driving the same 2001 corolla that my father gave me for the last 10 years

>>214472597
She could of had BBC for free

>>214474650
a flood of copes incoming about how they had to take a 10 year loan to buy their used car and when accounting for the extra maintenance and interest was more expensive than a new ca, which is why they bought an escalade to take the kids to school and back.

>>214477407
>NIRP for 2000 years
>raise target rate to 1.75% for like 8 months after the corona qe's
>back to ZIRP
Lmao what the fuck. Their central bank's balance sheet must be bloated as hell

>>214475614
>Also, when I was a teen she threatened to kick me out if I found a job because it would make child support stop
poor people should be sterilized holy fuck

>>214477166
>being financially literate means taking a loan on a depreciating asset because it makes your pp feel tingly
jesus christ

>>214472597
Do children not get anything in GERMANY? Here it's split 50/50 between the wife and deceaseds biological children
>>214473577
>it was his own will
What a retard lmao

On one hand I feel really sorry you got fucked but people in my family are seemingly immortal so I'll be 60 by the time I get any of mine

>>214478349
>could of had

>>214474842
Lawsuit moment

>>214478853
Sorry retard, the "lawsuit on corporations" exploit got patched out under the new American administration.

>>214477669
Let me guess you're a big scary marine and your wife's son is black?

>>214478532
It's unironically what gives America its superpower status because the American consumer market is so lucrative.

confirm, women are financially retard
they earn/have 10€, they want to spend 15€ and they don't understand that logic

>>214476971
they're ALL fat !

>>214474977
They demand a down payment in cash only which is worth more than the value of the vehicle. When they default and get repossessed, they take it back to the lot and sell it for another down payment in cash only.
Repeat until the vehicle falls apart/gets stolen/totalled etc.
>>214474825

>>214472002 (OP)
Our domestic brand auto-industry (perhaps sans Tesla) would have already collapsed if people made better financial decisions.

>>214477411
most spanish post ever

My dad has 33% interest on a $2000 loan lmao. And he declared bankruptcy about 10 years ago and just spent the money on dumb shit.

they want me to get a better fucking job and "help out more" fuck that

>>214473290
Grim

I am too. I live on welfare and spend all my money on the first one or two weeks. It's not that bad though I used to also pay the rent money too and would end up getting kicked from several different houses.

>>214474364
I had a coworker buy a cyber truck
There is zero way he could afford it without loans
Poorfags are functionally brain dead here

>>214481990
> It's not that bad though I used to also pay the rent money
spend* not pay

My gf wanted to buy a car dor 10k,the bank would loan her 5k and then request almost 3k in interest,this is prime jewish stuff.

>>214474842
>We will be happy to refer you to dealerships we have worked with in the past
They're pressuring him to buy so they can make their friend money

>>214472201
that's because you are poor

>>214472002 (OP)
>tfw I've never had a car payment ever
I went from
>Chevy cobalt 06 for 4k
>Nissan Altima 06 for 5k
>Kia soul 11 for 4k
I only ever chang cars when the old one gets totaled

>>214478345
hyup
It's a fucking daily driver shitbox, when I shell out money on a car it's not going to be my daily driver, if I buy a car it's because it's going to be a car I like and I want not some corporate slopbox SUV.

>>214474842
>Subject: Personal Matter

not a work matter so into the trash it goes

>>214481990
I work 9-5 5 days a week for bottom tier wage (former long term neet) and still save 70% of my income. I don't have a habit of spending money because I never had money to spend. Although I favour it, I'm not particularly trying to save. I sometimes wonder why I'm even working but then I remember it is better for me to do something, and that it has already helped me improve. I'll stick with it in any case.

>>214472002 (OP)
My mom is. My dad is a retard who can’t hold onto money to save his life. Our family business has 1.5 mil in the bank and at the rate he’s spending it’ll be gone in a little over 3 years. He’s even brought on a blond Dutch bitch against my objection to “manage social media”. There’ll be literally nothing left for me to inherit. I hope he dies soon.

>>214472002 (OP)
Not really.

>>214483323
>He’s even brought on a blond Dutch bitch against my objection to “manage social media”.
and his cock and balls

>>214483667
I’m pretty sure he can’t even get erections anymore. He’s a cuck who pays for company.

>>214474364
this is a very jewish way of presenting what's going on

>>214474842
fake

>>214473154
Good luck trying to out-speed Mohammad’s truck of peace in your gay little bike

>>214483169
lol same for me I finally got a job half a year ago and Ive barely spent any of the money cause Im not used to spending money in the first place

>>214472002 (OP)
Nah, I got lucky in that regard.
Tbf her mother (i.e. My grandma) was a school teacher who together with my grandpa were also really good with using what limited resources they had. (IIRC, my grandparents had the second car in their village, which they kept in pristine condition for like 40 years)

>>214472002 (OP)
what car is that?

>>214475160
He literally invested his capital into that machine and his investment grew exponentially

>>214472597
My mother is currently doing this but with a smaller inheritance. How did you keep your sanity? Because I'm struggling.

>>214472597
Happened to me too :(

>>214476028
>I just don't want this dumb bitch to get seriously fucked.
not your problem

>>214475629
Never in my life have I bought a car that wasn’t used and nobody I know except one guy ever did. It’s just retarded unless you’re a jillionairr.

>>214485444
become the scammer yourself and get her to send you bitcoin or monero

>>214476028
>I just don't want this dumb bitch to get seriously fucked
You should.

>>214476063
Thank you for explaining.