what policies would you suggest to the (future) politicians reading this thread to reduce this number /pol/?
https://x.com/DaveRamsey/status/1765094292450599260

change the definition of bankruptcy

The luddites were right
not about the automation that happened with factories

but the current shit happening with the digital era of algorithms, and cellphones chaining you to an employer like a slave and them forcing debtmaxxing onto you is just insane

>>510960431 (OP)
I'm thinking more tax cuts for the (((wealthy))) ought to help this time. It has to work one of these decades right?

>>510960431 (OP)
In US schools every child is taught a man is a woman, white folk are oppressors, men are bad and how to suck dick by a dildo welding tranny but not one class on personal finance.

>>510960431 (OP)
EVERYBODY START BURDENMAXXING IMMEDIATELY. THIS IS NOT A DRILL

Start stealing and become a burden on society. First thing you should do is quit your worthless wagie job. Don't bother applying for benefits, welfare or any other government assistance unless you really can't help yourself. I personally prefer to also GHOSTMAXX, no properties in my name, no hand outs, no benefits, no taxes, just living in the shadows of society and outside of the system as much as I can, but I digress. Simply take everything you need from big corporations, resell it and enjoy life. Hit their jew warehouses and megastores and become an honest reseller. Make sure to post about it and encourage more people to become burdens like you. Once enough people do this, their system collapses. Also always remember how over half the population got vaxxed and sided with the government. Make them pay and enjoy that too. This is how you get back at the jews, the governments, the corporations, the normie cattle and everybody else who wronged you.
https://www.youtube.com/watch?v=NTV2S2OtrfM

There is nothing more that jews and their wagie cattle fear than you anon taking a big fat shit on their jewified society, never forget that.

>what policies would you suggest to the (future) politicians reading this thread to reduce this number /pol/?
Make bankruptcy a felony, triple student debt, double interest rates, debtors prisons

>>510960431 (OP)
The solution is to import more illegals
Create more sanctuary cities to attract these illegals to drive up to cost of rentals and housing for landlords and real estate agents
We'll also use these illegals to undercut middle-class and poor in the workforce
Raise taxes on the poor and middle-class to provide government assistance to these illegals
Since diversity is our strength, we'll send these illegals and their anchor babies to school for free and jack up the tuition on the poor and middle-class people to make up for the cost

The solution is more illegals

>>510960431 (OP)
Literally just print money and give it to everyone. It's been working fine for corporations for decades. Somehow, they never seems to feel the results of "inflation". Also, notice how there isn't a single talking head screeching about actual resources running out. Nobody says "there isn't enough rice or chicken to eat" or "we can't build enough cars or microchips". The only shortage is money. Just print some.

>>510960431 (OP)
>80% of Americans are at the verge of bankruptcy
50% are non-white and can't think more than 30 serconds into the future and most whites here are niggers with money too.
You faggots are all poor because you're unemployed/unemployable demoralized retards, most of these "paycheck to paycheck" types are that way by choice. Spending money they don't have on shit they don't need to impress people they don't even like.

the fucking issue is the retarded rich can pay for a subscription to an algorithm that pricefixes the goods to a level that makes the average person unable to climb

>>510960563
I am a machinist, I run 5 axis lathes, wire EDM, water jet, 3 axis mills, ect I do programming, set ups and operation, plus QC. Some of the parts I make are $9000 medical parts, making several a day, I earn $22 an hour & the health care coverage through my work is crummy and amounts to a significant portion of my pay.

I hate the antichrist

>>510960431 (OP)
>*guitar riff*
>And welcome back to the Dave Ramsay show. I’m here with Ken Coleman and we’re going to take some calls. We’ve got… Bob in Arkansas. How are you, Bob?
>I’m great, Mr. Ramsay. How are you?
>Better than I deserve. How can I help?
>Well, Dave. I have a problem. I’m really poor and I—
>How much is your household income?
>Uh, probably around $30,000—
>And how much debt do you have?
>Well, I think like $10,000 in student loans and about $2,000 in credit ca—
>Ok, here’s what you’re gonna do. You’ll need to to pay off that credit card. Right, Ken?
>Pay it off, Dave.
>Really? How do—
>Just pay it off. And never use it again. Right, Ken?
>Cut the card up, Dave.
>Pay it off? But I—
>And that’s baby step number one. Are you married?
>Well… no, but I have a girlfrie—
>Ok now you need to get married. What do you think, Ken?
>Married. In a church, Dave.
>Uh… ok, but the wedding would cost—
>Because if you’re in a relationship and you’re not married, you not gonna get anywhere. Isn’t that right, Ken?
>Nowhere at all, Dave.
>But, wait. I—
>Also you’ll need a better job. Ken?
>His job sucks, Dave.
>But—
>And eat some rice and beans. What else, Ken?
>Ramen, Dave.
>I already eat—
>Because that will let you invest in some index funds that will build your wealth from there. What do you think, Ken?
>Funds of the index variety, Dave.
>But… but I don’t even—
>Then invest in some properties, maybe two or three to start. Ken?
>Properties. For investment, Dave.
>But… but… that didn’t even—
>And I’ll tell you what. Stay on the line and I’ll get one of the members of my team to give you a free copy of my newest book. Ken has read it already, right Ken?
>Cover to cover, Dave.
>I—
>And that’s all the time we have for now. Thanks for the call, Bob! Now stay tuned for Ken who’s going to be talking about why you don’t deserve a raise at your job.
>No raises here, Dave.
>*guitar riff*

>>510961005
Stop playing by the rules. Hard work doesn't pay. If it did you'd be rich and you aren't.

>>510960431 (OP)
Did you know if you have never borrowed you have no credit rating which makes it impossible to rent an apartment or commercial space if you want a business. I don't advocate borrowing but living within your means is penalized in the US.

>>510961123
I am taking classes to get into the medical field.

I kind of have to play by the rules because I have small children.

At least we own our house.

>>510960631
take it back to r*ddit кoмpaд фaггoт

>>510960431 (OP)
Import more immigrants to lower inflation and increase GDP Growth.

>>510960995
Can anyone explain door dashing hooters? That would be like having the strip club buffet delivered.

>>510961160
Yeah that's because Dave is giving out advice from literally another economic era that has no applicability to today. He might as well be telling people

"Well you see Cassius, you have to borrow a million denarii to make a run for an aedileship otherwise you'll never get command of a legion"
>but I'm literally a slave, I-
"Rome wasn't built in a day son, you have to work hard and stop living beyond your means"

>>510961196
Understandable. Just as long as you don't get sucked into the wagie/NPC mindset.

>>510961381
I have trouble understanding why anyone door dashes any place with a drive thru.

>>510960976
Inflation does happen because the government prints too much money. Giving away even more to normal citizens would also be bad. Don’t get me wrong, we shouldn’t have such a huge deficit and the government is extremely wasteful and corrupt.

Pic related would be giving 10k to every us citizen. 10k isnt really life changing money.

>>510961468
I am a political Third Positionist

I hate the wagie life

It sucks how quickly money evaporates once you own a house. I started this year with $30,000 liquid and now I'm in credit card debt for the first time in my life. """owning""" a house is probably the biggest money sink the average American falls for. I honestly would have been better off continuing to rent and investing my cash. Now I just pay Schlomo 2x my old rent for the privilege of living in the house I """own""" while also now being responsible for all repairs and replacements.

>>510961752
No, it would be great. Inflation works by transferring wealth to the first party to receive it, from the later parties. Inflation builds wealth for banks/corporations/the government because they get it first (and can spend it an face value) while later recipients get it at a devalued rate (while their savings are devalued). Printing money and giving it to people would drain money from corporations.

>>510962056
Buy tools and learn to DIY. All the knowledge is on the internet for free. When you don't have to pay people for repairs the money drain stops.

>>510962056
Houses are those gray areas where they are an investment but not really. I will say if boomers didn’t buy houses they would all be virtually broke with no savings. The only reason they can retire at all is they sell their 750k house now and move somewhere where it’s 300k.

>>510962142
like when people got covid money (except me, fuck you all) and every store moved shit to the front like tvs and whatver and priced it at exactly covid check minus tax?

>>510962142
I don’t think you u stand how inflation works. Yes, it would devalue the dollar for corporations. It would also devalue the dollar for everyone.

>>510960563
>>510961005
>>510961123
>>510961196
>>510961468
>>510961792
Luddites were proto socialists by the way.

>>510960431 (OP)
Jubilee and outlaw usury.

>>510962213
50% of boomers are dead
housing prices are high because 1) immigrants 2) men not wanting to work outside 3) men and women aren't marrying so twice as much housing is needed

Just don't pay your debts
>BUT MUH GOOD GOY SCORE
Oh, no!
Anyway...

>>510962197
The major costs were a new roof and 2 new AC units. Not really things I can or should DIY. Small things like fixing trim or paint or drywall I do that.

>>510962310
Companies were jacking up prices because they realized they could exploit the psychology of the crises, not because of the covid checks. The government spent (and continues to spend) trillions on everything under the sun and people are still stuck on this trope about the covid checks somehow being the cause. Corporations reported record profits toward the end of covid. If they were just eating up covid-check-inflated inflated money, that wouldn't have been the case. There were plenty of assets to buy that hadn't gone up (stocks for instance).

>"paycheck"
>not PAY CHEQUE, because it would confuse its niggers
'mutts are a disease

>>510960431 (OP)
>80% of Americans are at the verge of bankruptcy
As expected of the American niggercattle.

>>510962543
its payczech you cheese-eating surrender monkey

>>510962371
Then why don't corporations say no to printed subsides? Won't the inflation just hurt them? Because, they're getting the money *first*; they get to spend it at face value *before* it inflates.

Also, the government is going to keep printing no matter what. If you aren't getting a slice, your savings get devalued just the same. It's like retard "conservatives" who refuse to milk gibs. The government won't tax them less!

>>510962424
Can’t work outside when all the outside jobs are taken by illegals

>>510962534
Roof is 100% doable. AC is definitely the hardest because of high cost specialized equipment.

>>510962537
hello senator warren. retarded as ever, i see. good luck in your next election.

but trump tweeted that we are in a golden age??

>>510960431 (OP)
>me when I see americans suffering

>>510962676
Not an argument

>>510960431 (OP)
This boomer takes in more (you)s and manifests more seethe in a day than any of you faggots on here your entire 4chinz careers hahahahaha. Based rage baiting boomer.

>>510960431 (OP)
You're telling me that Americans have really bought into this whole post COVID Keynesian spending fever? Goycattle is an accurate description for these people.

>>510961435
You can game the system but you need money to do so. I had credit but my wife does not though she makes plenty of money and owns stocks. Our bank reluctantly allowed a low limit high interest credit card and began to charge everything up to the limit on that card but paid in full when the bill arrived. 6 months later she has a payment history and credit. Something about credit cards. You have one with cash rewards and pay the balance in full. You can have nearly 60 days of float from a purchase made early in a billing cycle. BUT do not carry a revolving balance. Use a credit card as a tool only

>>510962700
Suffering from the consequences of their insatiable consumer appetites. Americans have forgotten about simple pleasures like walking in the park and looking at flowers.

>>510962721
why are you here? dont you have a meeting with the raytheon lobbyists?

USA needs a full hot civil war to cull their numbers. Things will not ever even begin to improve unless that happen.

https://m.youtube.com/watch?v=Gy7FVXERKFE&pp

>>510960431 (OP)
I was working 7 days a week to live $200 below "deep poverty". When I left they got a jeet who can't speak English to do it and just ignore the constant problems.

98% of Canadian households tracked receiving social assistance live below poverty line: report By Robin Della CorteOpens in new window Updated: July 18, 2025 at 6:37PM EDT According to Statistics Canada, the approximate poverty lines for a single person monthly across Canada in 2024 are: Newfoundland and Labrador $2,194 Prince Edward Island $2,211 Nova Scotia $2,213 New Brunswick $2,180 Quebec $1,964 Ontario $2,221 Manitoba $2,083 Saskatchewan $2,163 Alberta $2,381 British Columbia $2,272 Yukon $2,682 Northwest Territories $3,265 Nunavut $4,319 The report found that 98 per cent of households tracked remained below Canada’s poverty line in 2024. In addition, 73 per cent of households tracked were living in “deep poverty,” which is defined as having incomes below 75 per cent of the poverty threshold. https://www.ctvnews.ca/canada/article/98-of-canadian-households-tracked-receiving-social-assistance-live-below-poverty-line-report/

>>510962874
You think you're gaming the system, but the system is gaming you by dangling good goy rewards in front of your nose and tempting you to engage. Once you are hooked, it's 9/10 chance that you'll spend the rest of your adult life as a good goyslave chasing that privilege.

>>510962874
Look into churning. Sign up for a card, pay bills into you get a few hundreds in sign on bonuses, rinse repeat.

>>510962641
Banks borrow cheap and loan high and offer nothing for your deposits.

>>510960431 (OP)
Remove state pensions; either cold turkey (cruel and effective) or announce everyone born today wont receive one (kind but 70 years before beginning of any ROI).
Remove welfare. Saves 1.5 trillion a year.
Remove medicaid/care, 1.8 trillion a year saved.
Raced-based immigration (colour swashes), gross limit of 100,000 a year, with exceptions if you earn more than a million dollars a year.

There’d be rioting in the streets and i’d be assassinated, but if the policies were upheld America would be saved.

>>510960431 (OP)
They just need to manage and invest there funds better it's not that. Maybe they would actually have something if they didn't spend all there money on avocado toast

>>510962638
>payczech
that's a guy named Pepik whom you pay to do stuff for you

>>510963036
zero immigration
zero exceptions

LEARN. A. TRADE.

>>510960431 (OP)
kill all the jews, seize their gold

>>510963034
Banks don't borrow at all; money is created from nothing when they issue loans. Read Richard Werner.

>>510960431 (OP)
>be me
>need money
>buy a couple of $90-105 silver rings with authentic gemstones
>flip each for $300 profit

People are broke because they want to be or they totally forget that waging isn't the only way to make money

>>510963151
t. richard werner

>>510963028
You can also do that though most banks now are aware and make attempts to penalize and early exit. It is also a lot of effort for not that much reward.

>>510960431 (OP)
Easy - just severely restrict the availability of credit. Something like you can only get credit for 50% of your annual income, applied to both individual and businesses.

But (((they))) will never allow it of course since their race's entire existence is founded on lending credit and reeping interest payments.

>>510962413
just makes them more based

>>510960431 (OP)
Shouldn't have sided against the Third Reich, you gullible American.

>>510963210
that would kill a lot of businesses, big and small. maybe don't flap your cockholster until you have some idea of what you're talking about

Daily reminder, that this is every city in 2025 muttmerica:

https://www.youtube.com/watch?v=C4gD7GAdM-U

https://www.youtube.com/watch?v=-vc6CHRrtH8

https://www.youtube.com/watch?v=yRWmKh13b50

Jewsa is one of the most dysfunctional, third-world shitholes on earth.

Can you imagine living in a country like that? top fucking kek.

The bizarre bit, is they not only insist they live in a "developed country", but that the rest of us should be more like them.

USA is a tranny and mutt factory that creates the most demented evil people in human history. I struggle to recognise Americans as human. All I see are vile abominations, a mockery of the human soul. You are a demon.

Mutts are truly mental.

Never ally with mutts, they are the horrible golem of the jews.

It's been dead for awhile, all that's left is for the corpse to start decaying and the brown insects feasting on the corpse to continue to multiply until only bones remain.

>>510962926
an option that is becoming increasing rare as American corpoblock sprawl increases and interest and investment in our natural resources like national parks decreases.

>>510963151
They do borrow when they have loan demand and not enough deposits. They also have loan participation. They sell the paper to another bank or financial services company for immediate cash and the acquirer services the loan.

>>510962926
where do you live that your parks aren't full of shitskins?

>>510960431 (OP)
>Jews playing dumb to the destruction that their kind have wrought.

The fires of hell can't come soon enough for these demons.

>>510962537
Corporations follow the precedent set by the federal reserve idiot. Corporations bought real estate and increase prices to preserve their purchasing power and their state corporations. Don’t give me wrong too corporations essentially are the government at a high level, however, your argument is fucking retarded.

>>510961752
>government prints (...) money
sweet summer child.

>>510962874
What you’ll find out as you try to authorize your life and live debt free is floating on credit creates a disassociated responsibility with spending. This is like saying you can moderate a heroin addiction. It doesn’t seem that severe however this is exactly what happens and can lead to excessive spending. It’s much better to spend directly from your bank account unless it’s a large strategic purchase. This removes the flow effect which causes people to excessively spend and think about what they’re buying because it has direct implications on their reserves. The rewards aren’t worth the disassociation you’re building in your brain. Eventually, you will float and pay high interest unless you make significant amount amounts of money to pay off the debt monthly. You’ve been warned!

>>510963019
It's simple how they are getting us.
The transaction fee just gets added into the price when you use your card.
We just pay they 1-2% on everything plus extra when we mess up. They give you back some small amount of that but it's just a cut of your own money.

>>510960431 (OP)
>Just get out of debt bro
You really can't since it's so difficult to even get small loans for shit you need like housing and transportation. You end up with big loans for everything.

>>510960431 (OP)
>Your income is your wealth building tool.
Lol. Lmao even.

>>510960431 (OP)
Outlawing usury would be a good start.
Cutting all income taxes on every job is a great second step.

>>510960431 (OP)
yeah but those other 20% are living a baller life!

>>510960431 (OP)
I have around $20k in the bank. Its not a lot but at least I'm not paycheck to paycheck.

>>510961752
Inflation is caused by too many chasing two little goods. This absolutely is caused by government printing money, people overly spending money, lack of technological innovation, or bottleneck in certain manufacturing industries. Global inflation caused by the reserve currency is almost always certainly monetary, quantitative, easing or printing. You are very uneducated.

>>510964438
you are retarded to be sitting on cash right now

>>510964438
same

>>510961005
The hard part isn’t making the part, it’s getting the contract to make the part.
I bet their sales team makes bank.

>>510960431 (OP)
>when your money is tied up in monthly debt payments, you’re working hard to make everyone else rich.
Refuses to name (((who))) is really getting rich

>>510964507
I don’t know if keeping 20k in the bank account would be considered sitting on cash. For a lot of people this is just operating cost.

>>510964581
The people charging you interest faggot. Is your brain rotting out of your head?

>>510960431 (OP)
Maybe increasing taxes on the rich to fund social necessities (like e.g. healthcare) could take some of the financial load off the bottom 80% of society. Our most prosperous era, and the one which created the entire idea of the middle class, was one in which there were taxes exceeding 90% on all income above $3m in 2025 dollars.

It's not ultimately all that complex -- the less you tax the rich, the less money you have to fund social programs. The less money you have to fund social programs, the more people have to purchase the equivalent of these programs in the private sector. The more money they have to give to the private sector, the less they have available to save and plan for the future. It's kind of a double-dip, honestly: the rich pay less in taxes and earn MORE money when you buy the services the government would have provided with their taxes. It's all been a great extraction of wealth since the 60s or so.

>>510964621
>people charging you interest.
And (((who))) might that be , rabbi?

>>510960802
only black people can steal without going to jail

and if one must burden illegal way breaking things like bridges, electricity lines, railroads etc are easy way to burden goverment/society

taking gibs obviously burdens more than not taking them

>>510964495
It's caused by the ability to print freely.
Restricting the supply of currency on a per-capita basis will ensure that there's only ever so much money to go around, balanced around people's basic good demands.
This way you can print money to march the population count and demand for currency, without printing too much.
In turn if there's a population reduction, the law automatically provides the duty to pull currency out of the market and destroy it / melt it down for other purposes.

>>510960431 (OP)
I got shot in the leg/hand last july and broke my femur and almost lost a finger. Was carjacked in my apartment parking lot by a random nigger. I was doing doordash as full time work so you know I didn't have any savings. It took me a year to be able to get back on my feet enough to afford another apartment we just moved in this july and replace my car. Still won't have a dollar for myself until August 20th and at that point of nothing else happens to me I'll be back to where I was before I got shot. My girlfriend got a job and paid the bills for a bit and my momma helped if I didn't have any support I would been so fucked

>>510961752
even printing moneys wouldn't matter if it would be spent on infrastructure or any tangible but it is spent on faggot parades and mutilating kids

>>510960431 (OP)
>have you tried making more money and spending less?

>here's this easy 5-step program to FIRE (financial independence - retire early)
>step 1: make $200k/year take home
>step 2: live on 20k/year
>step 3: save/invest the surplus at 10% (after inflation)
>step 4: own your own home outright (duh!)
>step 5: retire in 5 years

It's so simple.

>>510964756
the whole stop looking to the past for solutions psyop has already been successfully pushed. sorry anon you're just looking at history through rose tinted goggles.

>>510965176
I'm not looking at anything through any goggles, anon. I'm making a grounded argument from concrete, bounded factors illustrated through the historical record. I'm making an argument from fact, not based on vibes. Your brain has rotted away.

>>510960431 (OP)
grifter

>>510965117
Damn, I never thought of that. Thanks!

>>510964852
false. i am white. i stole and didnt go to jail. so your post is hogshit and youre a dumb faggot. go back.

>>510963483
That's just passing the buck. Bank A borrows money from bank B, but bank B creates the money when they loan it to bank A. All money comes into existence though loans; you have to work and pay interest on what the banks get to create from nothing for free.

>>510964005
>Corporations bought real estate and increase prices to preserve their purchasing power and their state corporations.
With free money from the govt. If individuals got free money and did this, it would be the corporations paying for it through inflation and not the other way around. Stop and think about it: what's scarce? Can we not buy the cars we want because they don't exist? Can we not eat the foods we want because they don't exist? Can we not build the houses we want for lack of materials? Are their news reports about how we've run out of plywood or titanium? No, what people are short on is money. It's just a money shortage. Fortunately, we can print that. Think of the economy like a plane with plenty of seats, but not everyone who wants to fly can because there just aren't enough tickets. Too few seats would be a real issue; we just need to print more tickets.
>inb4 but resources are finite
Human wants and needs are more finite.

>>510960431 (OP)
dave ramsey is a faggot

>>510964185
I wouldn't do this if I used this tool for impulse spend or if I didn't have cash to cover the spend already. You make an excellent point however.

>>510964931
No it's caused by who is getting the printed money. If you print X dollars and gave every American (or pick whatever country) X/<number_of_americans> dollars, essentially nothing would happen. Prices would have near-instant nominal increases, but no changes in real purchasing power would occur. If you give only a subset of the population the money, then wealth is transferred to them from the remainder. If this didn't happen, governments and corporations couldn't use inflation to steal!

Muttpoors need to get their shit together.


Masturbating to Google stock and shitcoin prices doesn't cut it.

>>510960431 (OP)
It’s more that they spend $1000 a month extra on things like uber eats, random amazon trinkets, booze, ciggies, etc.
They are paycheck to paycheck not because they don’t have enough money but because they spend as much as they can get as quickly as they can get it.
If things were this dire we’d already be in a massive depression with defaults all over the place and huge credit crises. But what actually happens is people take a financial hit and then just tighten their belts a bit and are fine.

>>510965358
Happy to help. Remember, if you struggle with any step, just stop being a dummy. Skip that coffee and avocado toast and do better.

>>510965567
>If you print X dollars and gave every American (or pick whatever country) X/<number_of_americans> dollars, essentially nothing would happen. Prices would have near-instant nominal increases, but no changes in real purchasing power would occur
This is demonstrably wrong and we don't even have to look that far back to see it demonstrated in reality. Just look at what happened when Trump pumped the economy full of free money in 2020/21. Inflation can have many causes, but its most basic cause is an increase in the money supply. It massively increases demand, which, constrained against finite and lagging supply/production respectively, increases prices. If wages don't rise in proportion (why would they?) then what you have is a new equilibrium, specifically for inelastic goods, which has no economic "reason" to return to pre-inflationary levels -- after all, people are buying, right? They have to.

Every bit of inflation we're STILL feeling, was ultimately rooted in the literal, exact thing you're blithely proposing. It happened in 2020. We're still dealing with it.

>>510960759
Personally finance involves rudimentary mathematical calculations which has proven to be racists because we can’t manage to get black/latino students to learn how to do them.

>>510965813
Increase in the money supply is the ONLY possible cause of inflation, by definition. But an increase in the money supply isn't enough. It has to be past the point of a money shortage, and (to be harmful) it has to be injected into the economy in a non-uniform way as I've described. We're still in a massive money shortage and should be printing money and sending it directly to citizens.

>>510965567
You're right it wouldn't make a difference in purchasing power.
The same effect would be achieved by having only a hypothetical $1m per citizen in supply.
You might worry about where money goes but the thing you've got to contemplate is whether that even matters in a world where printing doesn't get factuated, or not.
Most of the dollars created in 2020's Trumpanomic stimulus scheme were never actually printed. They're digital. Their sole mention is in spreadsheets where they're registered as outstanding debts between banks.

A currency cap wouldn't solve the problem of where money first goes in the process of creation.
Banks keeping it behind their vault doors and debting it away needs to stop somehow, and I don't know if outlawing usury (interest) would be enough.

>>510966068
There is no money shortage. What we have is a story whose main beats are capture, ineptitude, and greed. Capture by elites who choose themselves to be the primary beneficiaries of money printed against debt they don't pay down; ineptitude by politicians playing economist; greed is self-evident. This "money shortage" theory isn't one I'm familiar with so I don't want to go off on you without knowing exactly what you're talking about (or more specifically... why you're talking about it) but it sounds and smells like bullshit to me.

>>510960431 (OP)
bullshit. covid showed that if they need to suddenly save they stop consuming unnecessary stuff and there's no problem anymore.

>>510960431 (OP)
Has dave ramsey ever given some practical advice to avoid the debt trap? I mean aside from be homeless and work 5 jobs.

>>510960431 (OP)
Bomb israel.

>>510966391
14 days.

>>510960995
>chili’s
Fucking grim

>>510966168
>actually printed. They're digital.
This is an irrelevant detail; everyone is obviously using "printing" colloquially; nobody still believes the government physically prints all this money on paper or stamps it on coins. My point stands: if you digitally edited the amount of dollars every American had in their bank account by the same amount, nothing of consequence would occur. If you digitally edited the amount of money in Americans' bank accounts *to the exclusion of corporations*, then you're transferring wealth from corporations to the people. We can argue about the wisdom of doing this, but it *is* the way inflation works, and if we printed/digitally incremented/etc. money directly to Americans (just like covid checks) it WILL make them ACTUALLY richer, and until systemic and fundamental changes are made to the monetary system (getting rid of the Fed, debt base currency, etc.), this is great policy.

>>510965117
so continue to live like a grad student after you get your big boy job.
the problem with that is big boy jobs don't pay 200k and places where salaries approach even a fraction of that it costs more than 20k to live

>>510966237
Read up on C.H. Douglas and social credit. But really, just stop and think about it. What physical resources are scarce (not merely high priced, but *physically scarce* - diamonds are a good examples of a high priced but non-scarce commodity)? Practically none. So why do Americans suffer from "scarcity"? A lack of money to buy the abundant commodities. Werner literally advocates creating money and handing it to people in Prices of the Yen.

>>510966849
You can't explain what you mean succinctly and in your own words? Whenever I catch myself in that position, I personally have to check whether or not I know what I'm actually talking about.

>>510961160
Everyone should have a credit card with no fee that they pay off in full every month. This will give you good goy points towards cheaper loan rates and higher credit limits and then you can actually then fuck them over by eventually running up huge debts that you don’t bother paying off.

>>510966912
I literally did explain it. But I'll spell it out again: We need X dollars in the economy, but less than that exists. i.e., a shortage of money. Also, some explanations aren't simple; that's why books exist.
>noo if you can't explain it in a 4chan post it isn't real
read a book nigger.

>>510961005
make an extra part and sell it on ebay. at my hospital a lipid centrifuge rotor is 3500 bucks

>>510966917
Having one card is dumb churn new cards as often as possible it's literally free money.

>>510966388
It’s not hard. Just don’t live outside your means. Usually that means living much poorer than you think you’re supposed to. Boomers are rich now but besides buying a new car every 3 years(mostly because cars only lasted 3 years back then) they lived way poorer than people do now. Eating out was a treat. Vacations were to the local lake or state park or whatever. They lived in small starter homes when they were young raising a family of 5 in a 2 bedroom.
Yes education and healthcare were way less expensive for them but most of you are young and healthy so don’t need healthcare. And many treatments we have didn’t exist back then. Medicine really hit it’s stride in the last 20 years as far as high cost technological advancement. When boomers were young it was expected that you’d die in your 60’s.

The issue now has been that we expanded access to credit and encouraged everyone to overspend as much as possible. Now it’s UberEats every single day. Vacations have to be to Amalfi coast or Thailand so you can flex on instagram to your idiot fake friends. People blow money online on junk like never before. Boomers had to leave their house and go to an actual mall to buy Chinese crap. Now there are no restraints just a stream of impulse purchases.

>>510960431 (OP)
>bring back postal banking to wash out payday lenders
>end state lotteries
>make financial literacy a core component of high school mathematics
Should tip the scales and make narcissistic bankrupt boomers like that guy irrelevant.

>>510966285
No, covid showed that scarcity wasn't real and the economy is fake because we could shut half the the global economy down and basically nothing changed.

>muh deficit
>muh inflation
>muh money printing
https://www.youtube.com/watch?v=75udjh6hkOs
https://www.youtube.com/watch?v=75udjh6hkOs

>>510967265
I have a better idea.
End debt based money
End usury
End banking
End importing 3rd worlders that hate you.

>>510965428
The food supply has been systematically degraded since 2008. This is why everyone’s getting stomach and colon cancer (in addition to the vaccines). They do things like this to hide quality of life decline and inflation.

>>510966980
I'm not sure you've done much explaining. If you're in the mood, could you explain why the massive inflation of 2020 spurred by distribution of wealth to the people themselves elevated power and reduced purchasing power? Or is this a kind of "we're arguing from competing epistemologies" kind of deal again where you're not going to admit that inflation increased and purchasing power decreased for the people who need it most? For the record, I'm going after you because you seem to be retreating into theory instead of doing the work of reconciling theory with economic realities.

We can look back to a very recent point in time where we did more or less exactly what you're proposing and it didn't turn out well. That seems to significantly undermine your position.

>>510967387
No, things like this *cause* the decline in the quality of life, not hide it! You've got it completely backwards!

>>510960431 (OP)
Now how many of those people are doing all the work, driving a used car and living in a starter home.
What dave ramsay doesn't realize is if he prices the productive class out of existence he will starve to death.

>>510961071
Your mocking still gives him too much credit. He tells people to buy expensive actively managed funds instead of index funds and says 8% is a safe withdrawal rate in retirement. This would cost someone hundreds of thousands of dollars over their life and run out of money in retirement even earlier.

>>510967523
No nigger the U.S. government allowed dangerous untested nano technology additives and loads of chemical fillers and preservatives to keep the food cheap. Looks great, tastes good, straight poison. This is part of how they’ve been hiding the collapse from stupid people like you.

https://www.centerforfoodsafety.org/blog/3057/theres-nano-in-our-food-what-you-need-to-know-about-nanotechnology-and-food-safety

>>510967322
Fucked up my second link
https://www.youtube.com/watch?v=75udjh6hkOs

Also the problem with inflation is disparity. If the money supply increases 25% and everyone has 25% more income and the cost of everything rises 25% in response then it all just cancels each other out and makes no difference. Inflation hits the little guy harder because out economy is set up to funnel money upwards ] so when the money supply increases most of it ends up in the hands of the capital owning class. Like if you complain about how the sub-minimum wage covid stimulus checks caused "hyperinflation" but completely ignore PPP loans you're a fucking retard.

>>510967494
>I'm not sure you've done much explaining.
That's because you're either a retard or just arguing in bad faith.
>inflation increased and purchasing power decreased for the people who need it most?
You're begging the question.

>We can look back to a very recent point in time where we did more or less exactly what you're proposing and it didn't turn out well.
No you can't because the covid checks absolutely helped people and we should have created and given the 10x more money. "Inflation" was just corporations increasing prices because they're monopolies/oligopolies and they could get away with it. If inflation were the cause, their costs would have risen with their prices and their real profits would have hovered. Instead they skyrocketed.

>>510967727
FUCK
https://www.youtube.com/watch?v=75udjh6hkOs

>>510967727
>Like if you complain about how the sub-minimum wage covid stimulus checks caused "hyperinflation" but completely ignore PPP loans you're a fucking retard.
Bingo. And let's not forget PPP loan forgiveness. AND nobody EVER argues that the forgiven PPP loan recipients were ever somehow poorer for this, ever.

>>510967727
FUCKING CLIPBOARD
https://www.youtube.com/watch?v=zBk78wG1U9U

>>510960431 (OP)
This guy is responsible for the financialization of housing that caused this issue, now he's acting surprised and pretending he had no part in it. Just boomers doing boomer things.
The real party starts when all these people go senile and can't take of themselves, all at around the same time.

>>510967732
Is your position that the bottom 90% of Americans have MORE purchasing power than they did in 2019? I'm not at all begging the question because the conclusion of my argument is not that Americans have less purchasing power. This is an assumption (because it's an empirical fact), but not the conclusion. The conclusion of my argument is that THE REASON FOR this decline in purchasing power is the massive inflationary pressure of printing $2t in new money and distributing it to everyone.

Do you have any evidence to support the claim that inflation was both... not real? (not sure what the scare quotes are for) and driven by price gouging rather than good old supply and demand?

>>510964852
Lol no, understaffed stores don't do shit about anyone stealing. The employees aren't paid enough to care, and in many cases they aren't allowed to do anything per store policy/blue state retard laws.

>>510967732
Also, their costs DID rise. There were massive supply side problems occurring against the backdrop of this massive inflation. Real profits did, however, increase, but I'm not sure you've provided sufficient evidence or rationale to focus explicitly on price gouging over at the very least a kind of compatibilized view.

>>510960431 (OP)
>Make wages too low
>Make goods too expensive
>Force people to take on debt to live
How could this have happened?

>>510964495
You agreed with me then called me uneducated. I would say the main cause of inflation is from the government spending too much and have a giant deficit. There are other reasons but I would put that at problem number 1

>>510960431 (OP)
>79%
At a certain point it should become clear to him that the system is the problem, surely.
99%?
99.999999%?

>>510968090
>Do you have any evidence to support the claim that inflation was both... not real? (not sure what the scare quotes are for) and driven by price gouging rather than good old supply and demand?
Inflation can by definition only be caused by a money supply increases. No other price increase is inflation.
Once again, read nigger. Come back after you understand the definitions of the words you're trying to use.

well this thread sure drew out the mises keyboard warriors

>>510968358
Kek we all missed this. Great take.

>>510968466
Listen anon; the investor class deserves to be rich and working people need to accept living three people to a shipping container and waking up 2 hours early to walk to work or the west will not survive.

>>510960431 (OP)
>what policies would you suggest to the (future) politicians reading this thread to reduce this number /pol/?
The same policy King Edward I enacted that solved the problem for England.

>>510968358
Also forgot pic. Imagine believing the boomer line and the millennial line can be accounted for with ubereats and avocado toast

>>510960431 (OP)
The great grifter
>makes millions conning banks
>goes bankrupt
>makes millions conning people who think he’s good with money
I hate this fucker

>>510960431 (OP)
remove all gibs foreign and domestic so taxes can be lowered

>>510960995
>Spent $25k on doordash
I should be legally allowed to transfer money from his bank account into mine.

>>510968572
t. can differntiate window manufacturers by taste

>>510961005
These jews and boomers are such shameless sociopaths that they've managed to make meaningful productive work pay fuckall. The minimum wage when adjusted for inflation should be at least $125 an hour to match what boomers made.
>Minimum wage
>$125/hr
It's a sin to inflict this kind of poverty onto people.
>>510966981
>bro just get raped by the IRS
Numbnuts. He would need to launder that much. Anybody mysteriously conjuring up enough to be mafia money tier and they get targeted.

>>510968792
no
>
therefore you do that

>>510968802
>These jews and boomers are such shameless sociopaths that they've managed to make meaningful productive work pay fuckall.
Yes. And while spending this much >>510960995 on goyslop is indefensible, it's equally true that if the economy weren't a fucking scam this kind of financial laxity wouldn't really matter.

>>510968863

>>510969003
we know

>>510968454
I'm unsatisfied with this response -- just want to say that first. Secondly, interacting with you is sufficiently odious that I'm gonna bow out. Cheers!

>>510967274
>This
I pay 0 attention to "muh economy" anymore. It's all obvious bullshit and has no relation to my standard of living in any way.

>>510960995
>Le 54%
Assuming you are correct (lol lmao) about 50% of them being non white, that would mean that 30% of "whites" still do this bullshit, leaving your country with a minority "white" that isn't full retarded to spend all their money on one go but is too retarded to see that they are the ones paying for literally everything the country does.
They do not seem to be very wise either given the burger track record.

>>510967365
That was awfully antisemitic of you to say.

>>510960995
>Shipley do-nuts
Hahahah

>>510960431 (OP)
Here's Dave's advice for 50 year olds struggling with debt
>SELL YOUR HOUSE IMMEDIATELY
>SELL YOUR CAR RIGHT FUCKING NOW
>BEANS ON TOAST ONLY FOR THE NEXT 5 YEARS
>WORK 3 JOBS WAITING TABLES
I'm surprised he doesn't hang an israeli flag behind him when he does his show.

>>510969088
Check out Organization Theory by Kevin Carson distributed free by the author (https://www.mutualist.org/sitebuildercontent/sitebuilderfiles/otkc11.pdf). Industries were admitting that productivity had already surpassed a year's worth of consumption in half a year of production around a century ago. Graeber in Bullshit Jobs reaches the same conclusion from a different approach. Working is a lie to keep the population on the hamster wheel and not rebelling. Scarcity was defeated even before the computer was invented.

>>510960431 (OP)
Use gold backed money. That’s literally it. All assets have inflated EXCEPT for the average hourly wage. When you price assets in ounces of gold it all remains constant over time EXCEPT for wages or yearly salary, those have gone down over time in terms of ounces of gold. There is literally no way to get out of this trap, no amount of saving, grinding, hustling or whatever will get you there when the money you make is fundamentally unsound.

>>510969473
I don't understand what his vision for a nation or even an economy is. People living in tiny apartments, all eating beans, only venturing outside (walking or biking of course) to the nearest megacorp grocery store to buy beans. If everyone did this, his precious index funds would be worthless. I'm all of wise spending of course, but he completely misses that if people don't go out and buy and build things other than rice and beans, you don't have an economy.

>>510961005
That's why I got out of CNC machining. Well, that and they kept hiring illiterate Mexicans to run the Haas machines instead of letting me do it because all the hiring staff were children of illegals.

I miss the fuck out of running machines at night all by myself, but working from home doing BS data QC has been really easy. Also, raid the scrap bin at your job, get yourself a manual lathe and start working on the weekends in the garage.

>>510969477
Yeah, that fact is obvious once you learn how much food the government MANDATES gets destroyed before anybody ever gets a chance to eat it. We're the richest nation on Earth and pretty much every socio-economic problem possible has been solved by someone somewhere on the planet already. The only reason anybody in America faces any of them is because the government desires for them to exist. It's not an issue of funding, they have all the money in the world, and it's not an issue of bureaucracy, because they move lightning fast when it's time to fuck the common man over.

>>510960431 (OP)
>>510960563
>>510960759
Every single problem can be fixed by stacking physical silver.

>>510966917
Would say this is true but I did this with one credit card starting at 20 years old (had it for 12 years now). I have impeccable credit but the rates on everything absolutely jacked the fuck up since the so there was no point in having good credit because I am turned off to borrow money for anything due to the shit rates

>>510961071
Then there are the humble braggers who call in to that lying boomer show.

> I make 500k annually and was wondering....

Fuck off boomer, you don't make that much. if you did, you wouldn't be calling into some radio call in show for advice. Then the occasional rachet hoe calling in with almost a million in student loans and small business loans. Those are always great. They should just call that shit re##it radio.

>>510969648
Using gold as money doesn't make sense with production and exchange outpacing its supply. There's not enough gold to exchange for increasing amounts of goods and services. Gold is also arbitrary, just as much as silver, or any other metal.

>>510970117
It’s not hard to blow through $500k a year when you consider that it’s more like $290k after taxes and you probably have a $8000/month mortgage, $1700 in car payments, and 2 kids in private school that costs $40k a year

>>510967024
Churning is high risk very low reward. You're better off sticking with 1 or 2 normie cards and investing cash back rewards into income producing assets.

>>510970117
He also didn't become wealthy by doing what he's prescribing. It would be like if somebody who didn't know how to drive wrote a book on how to drive and then used the money to hire a driving teacher.

>>510969966
Credit cards are just free money to me. "Hey we want to loan you thousands of dollars in hopes you will repay it!" Lmao okay sure I'll take the money and just not repay it. Just completely ignore them. Let them sue you, just still ignore them. They can't take your home or car. The only real power they have is to "garnish" wages but that only works if you're a wage slave. So just do literally nothing and it all goes away eventually.

>>510970396
What's the risk? Especially if you stick with cards with no annual fee?

>>510969650
He's just the typical boomer. He benefits immensely off the status quo so he'll never attack the system itself no matter how obvious it is that the system is the problem. Instead he has to place all of the blame and all of the responsibility onto the individual as if there isn't a system in place that is actively sucking wealth from the bottom 99% up to the top 1%, you can't really have an honest discussion about economic issues with someone like that.

test

>>510970411
This works once; then your goyscore collapses and you can't get another.

>>510960431 (OP)
well how else are gonna support our greatest allies in the middle east?

>>510960431 (OP)
Problem is national debt + interest rates.
This system only functions when you have some group of people who willingly absorb inflation and still go to work.

If wages were allowed to keep up with asset inflation the game is automatically over. Interest rates would start to rise in response to wage gains and then all the leveraged debt bets go bust.
Your poverty is ensured in a fiat debt/credit based system if you save and work in dollars.

>>510960431 (OP)

If this is real, Americans have to blame on leftist social welfare systems, and kickstart doing some basic jobs, or do other work deemed comfortable by the White man. Then innovate or start a small business perhaps.

>>510968792
t. so autistic can't detect sarcasm.

>>510970486
>>510969650
That's not to say individual responsibility isn't a factor like in situations like >>510970294 is talking about. If you have financial troubles making $500k a year, that is 100% entirely your own fault, but for the average person there are a lot of factors at play that are our of their control that actively make life harder and harder to get by every year.

>>510960563
Marx was right about everything, Stalin moreso

>>510960431 (OP)
Probably more like 99%

>>510970411
The only thing worse than living by Dave Ramsey's financial advice is living by Sam Hyde's financial advice.

>>510963036
Unrealistic. Deleting the Jeet does more. Send all the visa holders home and see how fast wages go up.

>>510965025
I remember your girlfriend telling me your sob-story trying in futility to convince me that $50 shouldn't include anal. Glad she was there for you though.

>>510960431 (OP)
>what policies would you suggest to the (future) politicians reading this thread to reduce this number
end all aid to israel and audit every single jew and jewish organization in this country. When their crimes are discovers make them work in labor camps until they die.

>>510970854
Banks gamble and lose at the casino. It's really quite simple.

>>510971042
>social safety nets for welfare queens
>no safety net for taxpayers
Bold strategy, let's see if that works out for them.

>>510969964
>muh shiny rock
How are you gonna eat shiny rocks when the supply chain fails?

>>510960431 (OP)
What you're seeing is an evolution to a battlepass economy. In the past, this would have been a disaster. However the economy has be rearranged to center round whales, upper middle class and wealthy people who account for the vast majority of activity. Millions of families getting a mortgage is outweighed by thousands of millionaires living on debt financing.

Therefore the only consequence is going to be a sudden increase in cheap labor from citizens (actual, natural born white citizens). All this H1B shit is the wrong move. If they'll be a little more patient there will be plenty of people to tend crops and clean hotel toilets.

>>510970682
Yeah like at some point we have to address that "the economy" has risen to such a ridiculous amount of rigging and obstacles that choices really don't matter for 99% of people. Sure, someone can employ a better strategy at blackjack than a naive player, but is the fact that they're losing to the house still really their fault? The kind of perfection we expect from people in economic and life decisions to "be successful" is like expecting a gambler to play perfect strategy blackjack. What we really need is to unrig the game.

>>510960431 (OP)
>bankruptcy
Shouldn't exist outside of businesses, just like usurious interest should never be required of average people on mortgage loans.
>get home loan
>mortgage high but manageable
>interest alone is more than mortgage for most of loan repayment duration
>loan repayment plans only pay a fraction towards base principal
>majority of payments are interest towards outstanding principal
>total interest is damn near as much as the loan amount
>end up paying double or more for the initial home's purchase price
This shit is just jews punishing people for refusing to use their gay credit scheme, your time working at your job means diddly squat, you could have been there for 20 years and they'll still consider you a liability. Shit like this is why people aren't staying on at a workplace for longer than 5 years anymore because there is no tangible gain beyond a pittance of an annual raise and maybe an extra week of vacation. It's why many are too demoralized to work at all, they don't fight these theft schemes because a lot more people are using the system than not and look down on them for not buying into it. Kill all normalfaggots and (((lenders))), politicians are all lamppost decorations.

>>510961005
So you run million dollar tools and software that someone else paid for building, maintaining, bringing into OSHA compliance, powering, all on land and buildings that someone else pays the property taxes on, which produces a product someone else pays to market and transport to buyers, and you think you're being ripped off because your final pressing of some buttons should be worth more than all that?

>>510961005
you put metal in a box and press a button, shut the fuck up retard literal meth head junkies do that job

Such is the tragedy of the abolishment of the multigenerational home

>>510970437
If autopay doesn't go through and you get charged 20+% interest just once you're back in the red. If you're doing it manually you have to remember each time making it easier to slip up. The merchant fees eat away at your return too and the bonuses offered already have churning priced in and not to your advantage. The merchant fee averages 2.3% so when you take that from your cash back you're not doing better than a savings account. The risk of missing a payment at over 20% interest with a hit to your credit score makes churning's risk not sufficient for the reward.

>>510960431 (OP)
an understanding of lawful money vs legal tender vs fiat debt peonage currency and how judeomasonic attorneys of the temple bar manipulate scam defraud etc etc would be a good place to start

>>510961005
You must be in a some smaller town with little labor competition? I make a few cents an hour less than you and am literally a fucking package handler. Half my co-workers are actual retards.

>>510960431 (OP)
his sub numbers must be dying off due to the boomers aging out. reminder that Ramsey got his money from his parents who owned a real-estate firm. he lost 4 million dollars and with only a measly 1 million built an institution ripping off boomers and selling books that say "dont spend your money". she spent years mocking younger generations and said shit like "oh its because you buy starbucks and avocados." leaving out that its institutionalized debt from colleges that politicians pushed them towards while destroying their future job markets.

>>510971865
But it sounds like you're using a card anyway; this means the risks of missing a payment are the same regardless. You might as well get the free bonuses. The discipline needed to avoid missing a payment is the same either way. Just be diligent; use a physical calendar or whatever works for you.

Also pro tip in general: if you miss a payment, (especially if it's a rare fluke for you) you can just call the bank and usually they'll reverse/forgive it as a courtesy.

>>510961435
>You are poor?
>Just put $300,000 into investment properties like I did and you get passive income
Wealth gurus are cancer

>>510971865
Also I should clarify I'm not talking about points/cash back that's a waste of time; only the sign on rewards are worth it. Like, spend $500 in two months, get $200. Most people easily have these amounts in bills, etc., so you're getting $500 of value for $300.

>>510962543
paiyeczechque

>>510963108
Yeah compete with infinity Mexicans in body breaking, outdoor labor. It's that or compete with incompetent, lying jeets in the office.

>>510960431 (OP)
ban uber eats, door dash, netflix, avacado toast, stanely cups, hair styling, nails done, car loans, and credit cards. niggercattle cant be trusted to use any of these responsibly

>>510963036
Most people are too stupid to manage their own 401ks/savings or insurance, should be mandatory learning in high schools that there are no real safety nets. You either make it or you suffer until you die. I think with that people might start making more serious considerations but you can't cure stupid, people will still act against their long-term interests for an instant dopamine rush and fuck themselves over. I don't blame government for recognizing this flaw in people and acting to combat it but they went too far and inadvertently(?) enabled it.

>>510971759
No one wants to live with mom and dad, grandpa and grandma forever.

>>510970186
>don’t use shit I can’t print

Artificial scarcity induced by fiat inflates the data of the economy so that kikes can lie about it and issue shorts. This is a parasitical system that is by design trying to devalue labor and enslave you via debt. PM’s are fucking holy water to fiat. Banks cannot control society if they do not own enough gold to arrogate themselves onto governments, and if governments have collective oversight and own the gold directly the kikes try to deliberately take it captive every time via a cartel to do exactly what was already mentioned. GDP is bullshit, the graphs are bullshit, the stock market is bullshit, debt systems do not reflect reality.

>>510972189
Isn't it interesting how a guy who makes so much money off of investing in rental properties keeps telling people who who are under financial duress that they need to sell their house?

>>510960631
why not? how much proof do you need that rich are infinately better with money? you give the poor money and he gets another loan for something he could never afford. you give the rich money and he buys another company that makes him more money.

at what point will you conceed that giving the poor more money doesnt do shit?!

>>510972168
I'm talking about churning to the point where you have more than 6 or 7 cards with multiple banks to collect bonuses which is just naturally going to be harder to manage than 1 or 2 cards with just 1 bank. If it's a hobby for beer money then it's fine, but if you just use a credit card and invest your cash back bonus in a high yield bond fund for example, you're going to be making more without the hassle. You can still miss a payment with 1 card but the yield nets you better off with no extra discipline or time on your part managing your churning process.

>>510960431 (OP)
Don't forget to DoorDash everything and tip 200% ;)

>>510973148
Nah I'm not talking about having charges on half a dozen at once. Just have 1-2 cards like most people but once you hit the bonus on one, replace for a new one.

>>510960431 (OP)
I don't see how this gets any better.
Most Americans understand we're in this stagnant stage of suck. Quality, Food, Standard of living, Politics, damn near everything is in this feeling of gray bleakness. And most people are wondering if this will get better or is this just a lull. It's a very high probability that at best, this current state of "suck" will continue for the foreseeable future. The way Governments can go forward with these debt loads is to subject it's "citizens/Subjects" through financial repression. Inflation + taxes outpace any sort of wage gain, interest rates remain below the true rate of inflation . You would be wise to start looking for alternative styles of living, to escape from this meat grinder phase. Off grid, Van life, perhaps even consider another Country. The Government will protect itself at all cost, even if that includes destroying Society to do it.

>>510970294
>$1700 in car payments
If someone made 500k annually and financed a car they are a fucking idiot. Almost 50k a month? Literally save up 2 months, then buy car in cash.

>>510966761
>I cant earn 200k
>I cant spend less than 20k

Guess you wont succeed.

>>510960431 (OP)
Every financial problem can be traced to private, for profit, central (((banks))).

>>510972709
If society owes the individual nothing than the individual does not owe society labor or taxes.
You can scream about this all you want but you are strategically checkmated by this reality; if you beat people until they work they die off, if you kill them you can't get the work anymore, both of these affect what wealth will afford you.
Ironically, the rich in america are making the exact same mistake the soviets did. It ends with 'yes the workers eat rocks but I am rich, I get to eat a loaf of bread a day' while the more class mobile society will be feeding peasants loaves of bread while the rich eat steak.

>>510960431 (OP)
Just kill all Jews
BAM
No debt

>>510960431 (OP)
>80% of Americans are at the verge of bankruptcy

>>510961160

THIS!

>>510960431 (OP)
Only 20% of American households have more than $1 million in liquid assets when they're 70 years old.
And that's HOUSEHOLDS, not individuals, if we're only talking about individuals only 10% of American individuals has $1 million or more in liquid assets.

How the hell are 80% of elderly Americans supposed to survive with less than 1 million dollars for 30 years?

>>510960995
>25k on goydash with 40k salary
This is so retarded I don't believe it

>>510974263

By turning America into a socialist shit hole. Courtesy of boomers not having children and enabling feminism.

>>510960431 (OP)
Rich boomers should be worshipping the ground younger generations walk on. Their wealth was done through debt maxxing this nation's credit card with the expectation that Younger Gen's would pick up the tab.
Well, younger generations are paying the tab through inflation + taxes. Rich Boomers have assets which help protect them against the continual dollar debasement to prolong this debt ponzi scheme.

>>510963100

People need to understand how much of a negative impact immigrants are having on the lives of the American people.

>>510974123
>1PbtID
I'm still here, nigger

I don't have monthly debt payments. My income is tied up in just trying to afford the bare minimum necessities. Everything is so expensive now unpayable debt is required to eat and have a place to sleep.

>>510973330
Financially illiterate retard. Intelligently taking advantage of credit is one of the most useful tools in building wealth. If you can finance a car at 5% or less, you can earn a higher return (again, assuming you aren’t retarded, which you seem to be) on that sum of cash instead of flushing it all down the toilet immediately. Stupid fucking nigger. Shut your retarded mouth and FLIP MY BURGER.

>>510965562
I agree, but ensure your revolving interest free balances are highly visible and categorized or else the disassociation can creep insidiously.

>>510975294
>I am great at this game because of a glitch I exploit
Until it gets patched or people decide to play another game kek.

>>510960759
The last part is incorrect. They have personal finance classes that are often a required course. The problem is what is ((taught)) in them. One kid had a class that emphasized buying stock. It had a 7% return while meanwhile they were carrying 10% debt. Another kid had to have 3 pretend minimum wage jobs to survive. Meanwhile in their pretend budget they were required to have tv and cable as a necessity that couldn't be dumped. 4 kids with finance classes. Not one class mentioned the fact that paychecks had taxes deducted or considered doing without as a viable option compared to carrying debt

>>510971426
He's useless cattle who thinks he should get to sleep in the farmer's house because he eats hay and shits it out. Many such cases.

>>510961005
>>510971426
>>510975646
He should buy his own tools, shop, court his own customer and build a corporate brand, or shut that fucking trap.

>>510972527

These illegal Mexican pieces of shit also don’t speak English and drive down wages and take up all the affordable housing.

>>510975528
That's because if people stop buying we rapidly deflate, which will squeeze the derivatives market.
People want to bitch about lower class people using credit, but all of your wealth is because of dumb people using credit.
Basically you are on the cusp of a hubris defeat and don't realize it. You just had to talk down to the people you beat.
Don't believe me? Demand destruction is already happening. That's the real reason inflation is flat.

>>510960995
>25k on delivery goyslop with extra spit if you don't tip
>HoW cAn AnYoNe LiVe OtHeRwIsE!?
Do mutts really?

>>510960431 (OP)
Sacrifices need to be made in order for kikels to keep killing innocent people.

>>510970186
Pick whatever you like but the ultimate reality is that you need to use something that can’t be inflated away.

>>510961005
Really sad for the machinists in America. It used to be considered a trade. Now it’s treated more like being a braindead operator. No difference than standing on an assembly line and pushing the start button on a machine. Imo it’s a textbook case of how far our country has fallen.

>>510975815
>just buy a cnc machine on 23 dollars an hour bro

>>510960431 (OP)
Maybe try working for more than 160 days a year and spend less on shit you don't need shit like 80k trucks and your dumb travel. Stupid consoomer shit.

>>510960431 (OP)
>80% of Americans are at the verge of bankruptcy
>>510974673
>I'm still here, nigger

>>510960900
We are gonna do that no matter what. It's republican policy for nearly 100 years.

>>510961005
>I run
Be your own boss if you want better pay, that's what most people can't fathom though. If more people had started up CNC businesses in the past, they wouldn't turn a big profit today anyway. That's how it works, scarcity and necessity drive profit.

>>510960431 (OP)
ACTUAL ANSWER: The first step is to identify the industries that manufacture debt for their own profit, and then either kick them in the balls with regulations or axe them entirely.

The low hanging fruit here is the healthcare industry. We KNOW that its bloated to shit, we KNOW that a single broken leg from a random accident will bury you in medical debt for the rest of your life without insurance, and even if you have insurance they will fight tooth and nail to not pay you dime if they think they can get away with it. The insurance companies drive up the costs of every hospital visit, to the detriment of the patients, the hospitals, and the american taxpayer who usually doesn't even realize that they are being gutted to make up the difference.
Universal healthcare wouldn't just be better health coverage for the american people, it would be CHEAPER for the average taxpayer, and eliminate the risk of life-crippling medical debt. The only ones who lose out on this deal are the insurance companies themselves, who are parasites.

So you eliminate one source of debt with healthcare. Then you find eliminate other sources of debt as well until things start balancing out again instead of trending downwards.

>>510960431 (OP)

Tell retards to stop spending above their means.

>>510963419
Without the dollar, the U.S. would be worse off than Brazil.

>>510977537
> "It was your mistake not to work within walking distance of your home" I yell out the window as I drive away from you in your car, with your child still screaming in the backseat.

>>510962700
I've noticed all Belgians are spite-fueled creatures that nobody actually likes, even in Europe.

>>510960431 (OP)
obviously the solution here is more jeets

>>510960431 (OP)
The interesting thing about this statistic is that high income earners are as retarded with their money as low income earners in America. People making 300k a year still spend every last penny on stupid shit like McMansions, expensive cars, luxury vacations, etc. There is no helping these people

>>510977686
>better
Better off than the US before they did so. Imagine the cities, they’re gone. They all operate on a deficit and out in the country people would just kill the niggers straight up. No need for cops. Eventually things would die down. Jews would leave because localized economies based on assets.

>>510977336
govern me harder daddy

>>510977336
>unionize illegal labor
>illegal labor
This shit is already illegal by this faggot's own admission, just rat out the contractor hiring them and enforce an immigration moratorium. Problem solved.

>>510976897
Excuses. You create a plan in a path to do what you want or you simply don’t. Choice is yours. You can determine your future or you can let the world determine it for you.

>>510977876
I realize that you wish this is true however it’s not. Maybe for a lot of people, but not all of us.

>>510978288
God you are retarded. No it isn't.
>>510978028
You did so well with your life otherwise. Maybe you do need a daddy.

>>510960431 (OP)
>listening to a fat boomer
i'd rather slam my head into a dashboard

>>510961005
maybe you should reconsider the antichrist
sounds like the real one let u down

The only way to kill the jewish system is to go back to the gold standard as it was done throughout history but will you guys fight for it to happen or will you enjoy being rekt by inflation

>>510975294
This is the problem with Dave Ramsey. His advice is only valuable to the absolute dumbest people society has to offer. The kinds of people like the one posted in this picture >>510960995 who spend $25k a year on doordash and can't figure out why they're broke, the kind who get into tens of thousands of dollars of credit card debt because they thought credit cards were just free money with no consequences if they didn't pay them back. Forget financially illiterate, for Dave Ramsey's advice to actually elevate your financial status you'd have to be financially retarded. His advice is literally just "stop spending money you don't have." Okay great, that doesn't help anyone with a fully functioning brain actually advance in life because they already knew that.

>>510978500
>posts AI
i already could tell you are tarded you don't need to underscore it

>>510974385
>>25k on goydash with 40k salary
>This is so retarded I don't believe it
This happened because he abandoned Christianity.

>>510978313
My plan is to compel the government to execute you people

>>510960431 (OP)
Ive seen shorts of this guy, its always two types of callers. The rich assholes that just call boast about their expesive cars and the brokes one with Dave telling tjem to sell their car and get a second (third) job

>>510979168
>compel
You think the swap to fiat was a coupon for a free tombstone don’t you?

>>510960431 (OP)
>what policies would you suggest to the (future) politicians reading this thread to reduce this number /pol/?

Stop the annual 5-10% debasement of money trough digital coin clipping (inflation). That means, among other things, mandatory repayment of loans (no rollovers), outlawing of securitization and interest rates raised to 10%.

>>510960431 (OP)
I'm a saver and it's fucking meaningless. I have $50,000 in my savings account and it doesn't matter because there's nothing you can really do with it. I still have to wake up and go to work every day and grind for nothing.

>>510961005
>I hate the antichrist

You are worshipping the antichrist by being an american. America is a talmudic noahide economic zone. Christ is also antichrist because christ is a jewish lie.

>>510971426
>>510975646
>>510975815
Fuck it, him and others like him should lathe some machine guns up, raid your homes, kill you, rape and kill your women, and steal your loot. You want to live in a society you advocate for in your browbeating of the poor machinist anon, you deserve the physical insecurity of that world with machinist anon and his buddies skullfucking you with their ARs. Fucking cat eating wumao!

>>510979168
Debt, free, hard-working people that started in poverty? Cool they’ll be nothing left of the country except people that want free handouts and think the government should control the food supply and your vaccination status.

>>510975528
You’re a lying retard. There are no such classes in the US. Outside of rich private schools and rich “public” (gerrymandered for and by kikes) ones.

>>510979650
I lived within my means, I’m debt-free. I paid off my debt. Fuck you faggots. I’m a millennial too you fucking faggots.

>>510969765
Report them to ICE if they are illegals lol

>>510960431 (OP)
>Describing water to someone that is drowning
Woah, real insightful there.

>>510961071
I'm a dave super fan and here's what he would say.

"ken are u workin overtime? ken what are you doing in your free time? Are you working 80 hrs a week like me? ken we need you to work on your career, you'll never make any progress making so little. If ken was dumb he'd suggest career advice or a career counselor.

I made 40k avg my whole life and saved up a shit load over 30 years thanks to daves advice and my own sacrifice, im in the top 20% net worth wise.

Shit's not that hard. Yall are just envious lazy entitled mfs.

>>510960840
I don't think reverse psychology will work on this one.

>>510961005
I'm a chemical engineer working on the column chromatography systems for monoclonal antibodies. The medical treatments I help to produce sell for over $100,000 a treatment. I make $21 an hour and the MIT educated engineer right next to me is making $22 an hour. Our healthcare plan doesn't even include the medications we produce.

>>510979772
Nobody’s interested in any of that or this country

>>510978500
>"even if it's illegal"
His own words in your provided picture, fuck off.
>Texas Ag industry
Right because whites or citizens in-general are fighting tooth and nail to pick crops or lay tile in fields? This isn't a problem specific to republicans.

>>510978905
Here's why you are a dumb nigger.

Everyone knows how to lose weight. You have that knowledge. But, can you do it? That requires sacrifice and intense motivation.

See that's why you can't do it.

>>510960431 (OP)
Debtors prisons need to be brought back and those with debt addiction treated more like a drug addict or sex offender, no doubt about it.

>>510962676
Bucket crab.

>>510966691
Kungflu Panicfest stimmy checks (Trump Buck$) created much of the inflation that was blamed on Bidenomics. (In all honesty, Bidet wasn't any better.)

>>510960469
MAKE JEWS ILLEGAL AGAIN
MJIA

>>510960431 (OP)
I make $130,000 and all my income goes towards paying down debt

>>510980371
>I worked my ASS OFF to buy my 30'000 dollar home! Be grateful chuddie!

>>510961160
I pay cash for everything.

>>510980100
You will be when that bubble pops. If the United States doesn’t hit AGI first, it’s gonna be brutal here. You better be self-sufficient and be able to produce your own food. And be debt-free.

>>510960431 (OP)
Surely they need to just pull up their bootstraps

>>510963019
Dave would say play with snakes get bit.
Cards take away the pain of spending, so you overspend.

>>510960431 (OP)
When he says "80% of americans" he's including the 100 millions third world spics that rolled into our country in the past 50 years and 50 million retarded niggers,

When you take them out of hte picture the statistics look a lot better

>>510980676
Hey, at least you make enough to chip away at principal, most people make $100k less than you and their income gets completely lost to interest.

>LFG
It’s ridiculous for people to try to carry on like the social contract hasn’t dramatically changed in the last 10 years. In reality, the major washout with Covid and the inflation that came with it. This was their choice and they did this through lockdowns which was a NATO operation to roll out 5G which we now know is for AGI. It was also to stop a repo loan liquidity crisis in western banks in into slow, China’s industrialized progress. Everyone has a fucked up deal nowadays however you still have to plan and choose your future or else someone will do it for you. So maybe you can’t pull yourself up by your boot straps, but maybe you and ten friends can together.

I paid off my car and credit card last week. should have gone into trucking anons

>t. nonjeettruckerchad

>>510962056
You will never "own" "your" house. Property tax is the first plank to the communist manifesto. Most states (except Minnesota and Arkansas) removed their allodial title clauses around the same time the communists subverted America.

>>510980754
Not having debt doesn’t mean anything, just that you aren’t an abject slave. if that’s your metric for wealth then you are a retard

>>510960431 (OP)
80% of americans are slave to jews (bank)

>>510981177
Oh excuse me let me rephrase. I’m debt-free and have well over $2 million in assets and 100% self-sufficient and own two businesses at 44 years old. Hopefully that clears it up for you!

>>510979347
Exactly. Any purchase big enough to fundamentally change your life (real estate, a business, etc.) is so large you have to finance it almost every time.

>>510961005
The engineer that sat at the desk designing those parts was paid just above $30 an hour.

>>510981174
Property taxes is easy. Just account for your property tax long term. It’s roughly the same cost as your mortgage. If you pay your property tax every year and when you’re 70-80 years old, they try to take your house because you can’t pay it anymore, then just fucking have a shootout with them in their fucking living room. That’s likely a better outcome than being put into a state run nursing home.

>>510981279
That would be my point nigger

>>510980564
nah shes tarded

>>510960431 (OP)
Cool

>>510974385
This is so retarded, I absolutely do believe it.

The First Law of Thermodynamics states that:
The more retarded something sounds, the more likely it is to be true

>>510965117
>>have you tried making more money and spending less?
>
>>here's this easy 5-step program to FIRE (financial independence - retire early)
>>step 1: make $200k/year take home
>>step 2: live on 20k/year
>>step 3: save/invest the surplus at 10% (after inflation)
>>step 4: own your own home outright (duh!)
>>step 5: retire in 5 years
>
>It's so simple.

It is.

Anons are blackpilled because they are young and golden age thinking. I actually lived in the 80s, 90s and 00s. It was hard to make it then too. Struggle isn't new but it's nice to believe it's not your fault, cause then you can just say fuck it . It's far easier to just say fuck it than to struggle.

>>510981934
Being debt-free is the first step towards anything better. Yes you can make silly arguments like a high school graduate with no income. His entire life or possessions is technically debt free. You have to give me the benefit of the doubt when I speak or else we’re not speaking with logic.

>>510980371
You've certainly demonstrated my point with this post.

>>510980676
Why are you in so much debt?

>>510982190
ok, im just saying what dave would

im debt free!

>>510982140
That’s not how any of this works. Let’s take the earlier suggestion to buy a cnc machine, if you don’t have debt you’re never going to do that u less you previously were wealthy, if you take the debt to get one, you become a slave. You’re not living in reality

>>510982301
>im debt free!
That's very good.

>>510982137
> step 1 just be rich
Wow why didn't I think of that?? You should get a radio show. Here's Dave telling people about cutting up credit cards and selling their car and their house, but if they made 200k they wouldn't need to do any of that! Amazing!