Thread 509619337

>inherit $100k
>look at homes and potential investments
>discover I'm still essentially poor and can't afford anything without becoming a debt slave

When will the masses begin rioting on the streets?

>>509619337 (OP)
Max your 401k and roth ira contributions, put the rest in the s&p 500, if you're in your 20s you can retire a multimillionaire

>>509619337 (OP)
>When will the masses begin rioting on the streets
Nothing ever happens.

>>509619337 (OP)
You're just a nigger faggot, that's all.

Here in Midwest USA, beautiful 4 bedroom 2 baths on 12 acres in EXTREMELY low crime all white nieghborhoods go for 85k-160k all day every day.

Gotta love indiana :)

>>509619596
>the location? Gary, Indiana! :)

>>509619337 (OP)
Atleast you got your down payment

>>509619337 (OP)
yeah 100k is basically worthless - sure you can buy stuff with it, but it's all sub-household stuff.

>>100k doesn't buy you a house.
100k buys you a garage and a car, some appliances, and a vacation.

And 100k doesn't get you anything long lasting: it basically forces you to spend it because its in this yearly average household income niche.

You need a million to buy a house.

>>You need a million to buy a house.

>>509619487
No, invest in dividend stocks with that much to get monthly living expenses paid for.

>>509619487
This.
Just invest it in a sensible way and don't spend it.
When you're actually ready to purchase a property then you could put it into equity in your home.
This may not be the most efficient (or safest) way to invest it but it does mean you get to live in a $100k nicer home for the next decade or so which as far as my priorities are concerned is a worthy trade off.
Australia has not seen a major downturn in the property market in at least 50 years, and in fact property has outperfomed the Australian stock market over the last decade. So I am bias.

>>509619917
How did it get this bad?

>>509620091
The current meta is to buy up city blocks in detroit and wait for that gentrification to remove the niggers.

>>509619487
thats how much the housing will cost

>>509620082
>monthly living expenses paid for
On dividends from $100k in stock? Maybe if you still live with your parents and they cook all your meals.

>>509619337 (OP)
Two weeks

>>509620219
You live frugally within your means.

>>509619337 (OP)
>When will the masses begin rioting on the streets?
Bread and circuses anon.
Bread and circuses.
Circuses are guaranteed with the internet.
As long as people make enough to eat and browse instagram/tiktok they will never revolt.
Why?
Cause you won't either.
Accept the reality.

>>509620295
>You live frugally within your means.

Jews are demonic parasites who say this while laughing at goyim

>>509620295
lmao how the FUCK are you gonna live on $7k per year you retarded boomer

>>509619653
He said all-White.

>>509620082
How damned much would you need to invest up-front to make enough in dividends to pay all your expenses? A fucking TON, I'd assume.

>>509620195
This is possible.
If the US goes down the same route as Australia, where economic growth is driven by population growth rather than innovation or productivity efficiencies then it is totally possible that property will outperform other asset classes over the long term (like it has here) and even when you withdraw your investment decades down the line, it will still only purchase you the same amount of property that it does today, or even less.
So then it just becomes a question of tax. I don't know how it works in the US but tax exempt retirement investments could outperform property by an amount that would make it worthwhile if you include the landtax you would pay over that time were you to buy property now instead.
But of course you have to decide how much living in a nicer property now versus at retirement is worth to you to really make an informed decision on this issue.

>>509620501
And?
You think owning a yacht makes you automatically super-happy?
I know a couple of very rich people, and let me tell you, they are not the people I wish I were in their place.
I know poor people I admire a lot more.
Family, friends, these are the things that matter.
And living a life full of experiences.

Try having friends when you are a giga-rich Jew.
Either people only want you for your money, or they are Jews themselves.

>>509620633
100k will only retire you if it starts you a successful business.

>>509619337 (OP)
gotta put that shit on tech stocks and keep working. its just a start

>>509620531
The goys give you the rest for free.

>>509620778
You speak like a Jew

>You wanna own a home? What do you mean you wanna own a yach?!?!

put it in the safest stocks imaginable
like well known stocks
pick like 10 of them
then try to get your port folio to 200k
then you can retire
everytime you have more than 200k you can just bet the extra money on options, like 2k a month and you're set just put it back in until it's 300k and then you're basically retired if you live with parents

>>509621077
Be happy with what you have.
Health, family, friends that's what matters.
You are the one who speaks like a Jew.
>I need material possession to be happy
That's what Judaism is all about.

>>509619337 (OP)
stay within your budget

I can buy 2 houses with $100k
you won't get your dream home
but you could become a landlord and have income from a retarded renter

>>509621309
>I need material possession to be happy
A home where you build a family and legacy isn't a fucking material possession. It's a hell of a lot more than that. Homes should be free, along with some broad you can poke whenever you want. Fuck money, I want a nice house where I instill values respect. You think kids respect parents who rent?

>>509620836
$100k into a retirement account at age 20 is enough to retire on (at least based on historic data).
Assuming an average of 9% a year return over 45 years will mean you have $5.5 million. If you assume a historic trend of inflation then that $5.5 million will be the equivalent of $1.5 million in today's money.
Considering that you can live anywhere in retirment, that is enough to buy a small home and have enough left over to comfortably cover daily expenses for two decades at least, especially if you consider that the remaining amount should still be invested until you actually need to spend it.
Of course there is no telling what future economic conditions will actually be like. Inflation could run higher. Stock market could underperform. There are lots of variables. But still people should not turn their nose up at $100k, and they should definitely not fall into the trap of spending it now thinking that it can't do anything for them in the future. That is what the Jews want you to think.

>>509621751
Kids respect parents who love them

>>509619487
CFP detected
never do this. buy gold regularly to maintain your purchasing power and once you have enough to get a 20% down payment sell some and get a mortgage then stack gold again

by the time you retire your "multimillion dollar" 401k has actually lost money in real terms (not nominally of course, S&P500 stocks always go up)

>>509619487
Retire 40 years from now? What do you think the United States is gonna look like then buddy?

>>509619337 (OP)
Earn money in the U.S. and spend it abroad, retard.

>>509619653
LMAO

>>509621751
if you're paying a mortgage you are renting from the bank
if you're paying property taxes you are renting from the state

everybody is renting, mortgage vs. rental contract is just a decision on how long you want to stay in a place or whether you want the rights to rent a house to someone else

>>509620142
I hope your not driving by at 3am to drop a heap of knives / axes / machetes in the area....

>>509619337 (OP)
Why are you trying to pay cash for a house? Put half towards a down payment and invest the other half in stocks or crypto or whatever you think is a good idea. The catch is that you WILL have to work instead of gooning and playing vidya all day. My heart breaks for you.

>>509622305
Oh goodness no, there are umm nazis out and about at that time, quite dangerous.

>>509621964
>$100k into a retirement account at age 20
Extremely typical to make a groundless assumption (age 20) and then conjure up a rosy scenario based on that assumption
>>509622331
Approximately correct

>>509623686
I don't know how old OP is but my guess would be no more than 25.
You can work till 70 instead of 65 and still get your 45 years of growth, or even 75 if you're 30 now.
The rest is not a rosy scenario. It is just an extrapolation of historic trends, which as I said must be taken with a grain of salt.
But it is wrong to go full doomer and just say that nothing can be done to improve your circumstances, even when you have just inherited $100k. There is nothing you can do to impact macro trends or escape the Jewish world order that we live under. But you can and should be making smart decisions to make your life as comfortable as it can be. What you choose to do now with $100k in savings will have a massive impact on your life in several decades time and you should not take that decision lightly.

>>509619487
>retire a multimillionaire
lmao, if you live long enough to retire

>>509619337 (OP)
Nigger take that money and leave this shit hole

>>509620142
Don't they scam you by demanding you pay back taxes on the worthless crack dens you're buying?

>>509625094
And go where? There's nowhere to flee to, the US is the end of the line for whites.

Yeah. 100k ain’t what it used to be.

Buy a big truck. That’s what everyone seems to do. It’s not life altering type money. Maybe go all in on precious metals or Bitcoin, and hope it moons.

>>509620219
>On dividends from $100k in stock?
Yes.
XDTE or XPAY if you want SP500 exposure
Margin the entire 100k. Enjoy your 3500+ every month. Deduct margin payments from taxes. Use the dividend income to pay down current debt, keep your job, and then you can afford a house that you could normally only qualify for (most people can only AFFORD half the payment a lender will offer them. What does the lender care, if they get behind the lender gets both their interest to date and a house to sell, plus they can write off the bad debt for their corporate taxes)

>>509620091
Go on Zillow and just look at the price for any house on there from 2000 until now. Then look from 2019 to now. Houses almost doubled in the last 5 years. In some places they have. They didn’t increase in value, a lot of the price increase is the decrease in the value of your dollar. The money printer broke the economy.

>>509622098
This. Kids don’t economically analyze their parents.

>>509626052
My house makes make more money than I do. It's really sad to see. The sad truth is if I had to move I might not be able to.

>>509626136
2 or 3% mortgage rate I’m guessing? This is a common thing too. For a lot of people who locked in cheap rates it will never make sense for them to move again.

Here you go.
https://www.youtube.com/watch?v=yGwduxRpc58

>>509619337 (OP)
>When will the masses begin rioting on the streets?
When the internet turns off....so never.

>>509626201
Yeah I'm at 2.7 percent. It's a great rate so I just pay the minimum because there's no benefit, at that rate, to paying off the principle. If I hadn't locked in in 2021 when I did I would never be able to buy a house.

>>509626361
I had 3.5 but I lost my nerve and sold out...one of many mistakes in my life.

>>509627555
I don't believe it will ever go below 5 percent in our lifetimes. (Assuming you're about 30-40)

>>509627733
It doesn't really matter if the homes are expensive, and when the number was 3.5 I paid the difference in a dozen other fees/taxes/costs etc....the Jews vacuum up the wealth regardless...

>>509626134
Nothing says "love" like putting your kid into goy slave school for 20 years and then dumping them into nigger-orc dystopia for the rest of their lives...

>>509625414
I only take critical life advice from the 6'6" white millionaire Chads on 4chan, with their 10 inch dicks and private jets. They just spend all day reading the Bible and smelting iron in their backyard when they're not too busy posting here.

>>509619337 (OP)
>When will the masses begin rioting on the streets?
Never.
The revolution can start only from the children of the rich.
This is where the universities and education comes into play.
You have to win the children of the rich to be on the side of the marginalized and of the poor if you want anything to change.
But mist likely it won't.

>>509619337 (OP)
>inherit $100k
That's nothing. Even one million is not that much.

>>509619337 (OP)
Unless you have 2.5 million you won't be able to retire by the time we hit 65. It's just a fact. Everything is going to be more expensive so you have to prepare yourself for that eventuality.

>>509619487
>you can retire a multimillionaire
Believing in privtr pensions funds.

Ahahahahha. Yeah the speculative financiers on thr top is gonna make me rich. I am sure.
Ahahahahha

>>509619337 (OP)
Move states or find a different town

Trust me anon there's homes under 100k$ fuck man find a GOOD trailer or a condo or a RV and find some cheap land to park it on and start investing the rest of the money so you can retire and buy a friggin sweet house while not being chained to rent and mortgage. van life is also in the question to maximize your money

>>509625023
The longer you live thr longer you will suffer.
To live long is the biggest curse.

>>509619337 (OP)

I would use that 100k, buy a used airstream trailer and if you already have a truck, tow that shit and get a couple acres somewhere cheap and thats your home.

Get a job bagging groceries to pay the property tax, food, and gas for your utilities.

>>509628317
I'm retired at 40...having money to live longer is not a blessing...it's a curse. I pray for death everyday.

>>509628621
get a job you parasite
people don't work for money, that's a jewish hoax
people work to feel good

>>509625303
These two have fled to rf.
One is from Canada, a religious millionaire farmer. Sold everything in Canada.
https://www.youtube.com/channel/UClFt8eOb1pShiI0PfgZgG-A

The other one is from USA. Not that rich at all. They do not even have a car in rf, now.
Her husband has joined smo in Ukraine to become a rf citizen.
https://www.youtube.com/channel/UC_6kepNupC41Ta1Kj84mhsQ

Some people are serious and they are not playing around.

>>509628701
99.9% of the people work only because they have to. Because they are forced by the system.
To work is a curse from god.
No one wants to do that.
Everyone wants to be and become rich by doing nothing, like what renters, landlords do.

>>509629178
nobody did that in the whole history of mankind before Jews brainwashed you into thinking their parasitic way of life is success

>>509619337 (OP)
>Not expatriating to a cheaper country

NGMI

>>509628701
>Greece flag
>get a job

Irony is not your strong point...your entire country is a fake economy propped up by international banks.

Oh and kill yourself.

>>509619487
THERE IS NO POINT OF REMOVING MONEY FROM YOUR LIFE ONLY FOR SOME FUCKING FANTASY TO LIVE OUT WHEN YOU'RE 67 YEAR DECRYPED OLDASS TOO LATE TO FIX ANYTHING AND ARE JUST A FEW YEARS FROM DEATHS DOORSTEP IF YOU EVEN MAKE IT THAT LONG.

Absolutely horrible suggestion. I pray every night that people like you get a terminal illness like bone cancer and all your miserable ill conceived plans come to an abrupt end. You need to be an NPC to do what you suggest.

>>509619337 (OP)
If you don't trust us, just do 20%.
Buy physical and HOLD.
When the gold to silver ratio drops below 15:1, start trading it for gold.
Do about 1/5 or less at a time so you have a shot at hitting 1:1.

>>509629339
>whole history of mankind
for 99% of human history we were hunter-gatherers. We would hunt an animal a week then sit around and do nothing for the rest of the time. There was no work. Humans do not want to naturally work, it's just not in our nature.

>>509628621
I did that last decade.
There is Hope, anon.

>>509629639
Modern retirement planning is a scam to help Jews vacuum up what every is left to pay off your bullshit medical debts from your final years..

>>509629706
>sit around and do nothing for the rest of the time
retard detected

>>509619487
Shit the fuck up all I want is a fucking house and some land like maybe an acre is all I want go kill yourself kike

>>509629831
What the fuck do you think they were doing building plane models?

>>509629877
Without the trad wife it's just mindless scraping around until your die...

humans aren't meant to order uber eats and post on 4chan until we die....as I am.

>>509619337 (OP)
You could still probably find a small home in a small town for 100k, it won't be pretty though.

>>509628621
If you are serious and have like 5000 usd, you can fly to RF with a tourist visa and there go into the first recruitment army office in Moscow.
I bet they will take you. They have program for foreigners to serve in smo in Ukraine for rf citizenship. They pay them less than the rf citizens who serve though.
You can even try that with 2000 USD.

>>509629990
You've clearly never left the air-conditioning...self sustaining lifestyle is 18 hours a day until you die...when you aren't moving you better be thinking about the ten thousand never to-be finished tasks ahead of you.

>>509630043
Yes I need the house and land for my trad wife Anon she wants a small farm. Otherwise I’d just live a nomadic homeless life

>>509619337 (OP)
Start a business. It's something you can do that will start making money right now if it's something you know how to do. I'd start a CNC/3d print shop if someone gave me 100k but that's because it's what I know. I know for a fact I'd make money if I spent my time and that much money on making parts.

But you need to do what interests you, or what you know how to do. Even something simple like a lawn mowing business is profitable if you live in the south, you'd be surprised how much you can make with a small trailer, a zero turn mower and a truck with a picture painted on the side. That's only an example but that's the smartest thing you can do with money. Don't listen to these anons telling you all this shit about stocks and index funds like they've got it all figured out, nothing will beat having a business.

Actually there are shitloads of homes for less than 100k. Thread is fake and gay

>>509630165
Niggers have been sitting around a campfire for eons Anon.

>>509626034
Holy shit how do I access the margin to try this

I can do this all day

>>509630279
Niggers can't create fire...Whites had to give them lighters.

>>509630277
Wichita, Kansas. Come on nigga. Dangerous spics and niggers. Plus horrible tornado alley. That home isn't worth more than $10k tops.

Did you even look?

>>509630364
Why would you live in Illinois of all places?

>>509630368
Because you can start a fire without a lighter. Ahahahahhaha

>>509630460
Literally just clicking at random 1 of the millions of red dots that are houses for under 100k. Beggars can't be choosers

>>509619337 (OP)
Put it all on bitcoin
Put a stop at $200,000

>>509630454
This is just a wider, bigger shack . and it is 100 000.LOL

>>509630535
Why do you believe they will let you sell thr bitcoin and get a real money out of it?
They can cancel that anytime.

>>509619596
Ya Ok lying piece of shit.
This house is in bumfuck nowhere

>>509619487
Horrible fucking idea go back to 1979

>>509630842
401k is a scam
You could put it all on an etf and probably make more

>>509630460
I left years ago...it's a failed state. jew dystopia of boomers and goy slaves waiting to die.

>>509630522
Niggers can't

>>509619337 (OP)
start a business

>immediately wants to spend his inheritance
Nigger, just wait a year. Grow that shit before immediately transfer it into property.

>>509630890
How is giving the jew all your investment money with high penalties if you want to withdraw any of it for any reason over the next 30-40 years of your life a scam?

>>509630951
This

>>509630090
2000 will not be enough , coz only the plane ticket is probably like 1200-1500 USD. Probably another 500 - 600 for the visa fees and agency commission.
And then some money for a week in rf. Who knows. They might not even take you so you have to go back. Or go to another town ,city ,region and try there.
So 3000usd would be better.

Or you can try with Ukraine foreign legion from Poland. But if you trying rf first. Better fly to Greece and file a report that tour pass was stollen , so they give you a new one from us embassy , so that ukr do not see that you have been in rf.
Or they might consider you a spy.

>>509631015
This guy gets it.

>>509631015
Honestly, he could put it all on gold
Or actually buy physical gold

>>509626034
Huh ive never looked and XDTE. Im already in spy, but i might trade a few shares. Certainly interested. Thank you. Any other dividend tips and tricks?

>>509630075
You'd be lucky to get a decent trailer home for 100k boomer

>>509631078
To buy gold means only to buy the metal gold.
The rest is like buying a stock. Gambling on the stick market, hoping the financiers will not steal my.money and make me rich.
Where do you buy ohysical gold from? From a jewelry shop?
The moment you enter there , they will know you are noob easy to be scammed. They have special gold looking and feeling pieces just for noobs like you.
How do you know the gold is real?
What do you do if it is not?
How much do you think you can buy from a jewelry ship, a 10th of an ounce?

Where do you store it?
In a bank? Burry it in the ground in your back yard?
How do you convert it back to real money to buy bread with them?
What if no jewelry shop wants to buy it from you?

>>509631078
The only way to invest in metals is to buy physical. The paper metal is worthless.

>>509620082
>>509620219
>>509620531
Lol this. you need at least half a million invested in the S&P to receive 10k in dividends which is what the average neet gets from SSI.

>>509619487
Another jewish rugpull

>>509619487
>Tie up all your money so you can't start a business or have any hope of escaping wage slavery
>Get access to your money when the US is 90% 3rd world and they also vote to steal your retirement

>>509619337 (OP)
I'd buy a box truck, authority and insurance and start a LTL freight business

>>509619337 (OP)
100k isn't even a year's salary for most of us, good luck living on that

I am stuck myself, I can't afford a home here or in Europe, and all my family in Balkans live better than middle class people here!

Heck, whats basic workers class there now lives better than middle class here, which is great but sucks for us we can't have basics a human should, a Civilized Human.

>>509620082
Don't do this until you've actually made your money through index funds and youre ready for passive income. Dividend stocks have stability but not long term growth.

>>509619337 (OP)
Buy a corvette and a bunch of cocaine.
At least you'll have some fun and get some pussy

Just spend it all on hookers and blow. Problem solved.

>>509632030
Based

>>509631957
you don't even need a corvette

>t. known a few broke fuckups with this playbook

>>509632064
True. I did it with a grand prix

>>509619653
Gary is essentially a Chicago suburb. It isnt very long south down 65 from Gary before youre in the corn fields.

>>509631789
You aint gonna make any money ltl in a box truck. That shit is the lowest of low. Lower than intermodal. Theres a reason even the jeets dont do it, only the "look at me i am the captain now" african mofos. Better to buy a used class 8 and do a power only, or buy a trailer too if you can save enough on the truck.

>>509630326
>Holy shit how do I access the margin to try this
most brokers have pretty decent rates, robinhood is a scam but has actually good rates. fidelity is on the up and up and is the best traditional brokerage for someone who wants a modern experience, but their margin rates limit the success of this strategy to ETFs that have at least 10% return of capital (tax-advantaged) rate.

>>509631233
>Any other dividend tips and tricks?
return of capital is everything, because it doesn't get taxed like regular income. many funds will actively mention this if they're good about it, but otherwise check for a 19a disclosure to make sure. you want something that gains enough to at least maintain your money, and distributes 100% ROC, which will give you between 3-10 years of tax-free income

>>509632820
Interesting. Thank you.

>>509619337 (OP)
Put it all in TSLA. Millionaire in under 10 yrs.

>>509629747
What changed for you?

>>509619337 (OP)
Cause you inherited what most Amerimutts make in a year dumbfuck

>>509631870
chat gpt