Thread 515162584

How the fuck?!?! Why is every western women in such massive debt?

>>515162584 (OP)
because life’s expensive you fucking dotard.

>>515162584 (OP)
The dollar is worthless, why the fuck aren't you debtmaxxing? I have $300k in debt on 11 maxed out credit cards and they're not gonna see a dime from me

>>515162584 (OP)
The possibility of assortative mating leading to marriage. Pre-drawing on the future joint account basically.

>>515162584 (OP)
Certainly worth 6 figures at least why not make 10 and all the money that is lost by bullshit jobs minus all the wealth that goes to the rich and super rich well that is to be offset by the 3rd world. I would love to pay those very useful people 6 figures i can see by her face how useful they are with their useful degrees.

>>515162584 (OP)
>$25k
Not even that bad on a six figure income honestly.

>>515162584 (OP)
In the 1950’s she would have spent most of her time barefoot in the kitchen and debt free with three children to love. Sad

>>515162584 (OP)
Because they are stupid.

She can lifestyle creep her tongue on my balls if you know what I mean

>>515162762
>I have $300k in debt on 11 maxed out credit cards and they're not gonna see a dime from me
Based anon sticking it up to the kikes, please tell me you hide gold somewhere so they can't take it away from you

>>515162788
Actually we used to call it "the furry chequebook" back in the day.

>>515162584 (OP)
>six figure job
Let's conservatively say that's $120k so $10k per month. What stupid shit is she spending money on that she can't pay off $25k? $2500 a month to the credit card and she could be in the clear within a year.

>>515162584 (OP)
Inflation absolutely helps debt. $25k in the future won't be worth as much, or as hard to make, as it is now.

women live lives they cant afford
living outside of your means
they literally cant stop spending money
mostly on shit they dont need, just because
eventually theyll convince some simp to bail them out of the financial hole theyre in and then ditch him
women can not save money or be happy with their status quo
harpies driven entirely by social status and material shite

>>515162584 (OP)
curating their instagram page is how they signal status to each other and how they hope to get chad to slide into their dms. They all feel the need to travel to paris, machu pichu, japan, etc. and eat at michilin star resturants and go to burning man and coachella. The money they spend they feel is an investment in getting a rich chad husband and then they turn 30 and realize chad isnt proposing and now they are in debt with nothing to show for it wondering how they got there

>>515162920
PMs and approximately 30 firearms I "lost in a boating accident"

>>515162584 (OP)
>I fell victim
Women are retarded toddlers.

>>515163002
True but that's going to depend on the credit card. Since she's carrying a balance, interest will be added each month. Still, $25k on that salary isn't much if she starts chipping away at it. The closer she gets to zero, the less impact the monthly interest will have.

>>515162584 (OP)
6 figures is meaningless these days. If you want to be middle class with a wife and 2 kids you need to make 250k

>>515163092
any one of these things in a woman's background is a red flag

>>515163002
>or as hard to make
How do you think paychecks work? Do you really think if you rack up $25k of debt today, you just wait a year and after 10% inflation rises you get a 10% increase in pay?

>fell victim
why is it women are always "victims" ?
they can never just accept responsibility can they
personal responsibility does not exist in the female mind

>>515163002
>wont be as hard to make in the future
Bullshit. Wages have been going down not up these last 3 years.

>>515162584 (OP)

women are historically known for being terrible money managers. Up until 2000, the trope was ingrained and instilled in us from childhood on up.
Why do you think corporations stopped pandering to men and started shifting their advertising towards women?
Because you can stick a -50% sticker on anything and these bitches will swallow it up like George Floyd's baby batter.

Does debt actually matter?

Everyone I talk to says they have debt and shit but I never see any company/gov doing anything to them.
I feel like a retard paying my shit off because it feels like everyone is just accruing debt and there's no consequences for it.

Because the new the generation, the less they held green cash hence the less they actualy visualize their money. Instead its just a hap hazard swipe of a card.

>>515163002
I hate how you retards say this shit, it only works if the debt us fixed at like 2-4%.

If it credit card debt she fuck cause that like 22% and let be honest we know it that type of debt most likely.

>>515163371
retard

>>515163092
high value chad doesn't marry irresponsible whores. he finds a debt free virgin without tattoos

>>515163371
You can negotiate to pay below the "minimum payment" and they won't do shit for decades. The only reason you'd really want to get rid of debt or raise your good goy credit score is if you're trying to finance a home.

>>515163274
not really, it works for the girls who are actually 10/10 attractive but womens intrasexual competition relies on them all lying to each other and calling everyone a 10
>>515163509
lol, lmao 70% of people meet online, mostly via instagram. High value chads know virgins past 16 dont exist because he took a dozen of them

>>515162584 (OP)
Women value their image so they believe spending money to improve their image will pay off by elevating their status. It makes sense. A young woman is used to people give her things just for existing so they want to leverage that power as much as they can.
Men also having spending problems. Men will spend lots of money on fancy tools they may use once or twice or never at all.

>>515163370
That is Hobby Lobby’s entire business model. Nearly everything in the store is “on sale” and bitches stack those carts with useless plastic garbage to put around their house.

>>515162584 (OP)
Womens are retarded

>>515163767

You can never have enough "bless this mess" ornaments, anon.

>>515162584 (OP)
Women are retarded.

>>515162584 (OP)
$25k debt with a $100k salary??? That would take her 8 months to pay off, 4 if she just threw everything at it

>>515163509
yes he does. stop projecting your idealized vision of a man on to chad. chads are talentless losers in shitty local bands or nightclub djs or blue collar felons. there's no reason to believe chads are smart, you think physics professors were chads in their day?

>>515162584 (OP)
Women be shopping

>>515162584 (OP)
25k debt if you're making over 100k/year is fucking nothing.

>>515164398
Credit card debt, you assume she doesnt have anything else like a car note and student loans.

>>515162584 (OP)
Probably. My ex-wife was over 100K in debt and lived in a shitty apartment complex where she was a nurse. She made decent money, but had nothing to show for it but a beat up Toyota Camry and an ancient CRT TV.
She met me, who was debtless with 12K in the bank and after we were together for only 3 years, she not only bled through my 12K in savings, but put my 16K in debt. I divorced her over this and the judge actually awarded me 10K that she was to pay me back for using my credit card without me knowing. She never did pay me back.
Now she lives with her mom, is even deeper in debt, and I have 50K in my savings and I'm once again back to being debtless.
She was envious of her co workers and would just get another card when her current one maxed out. I told her before that it was dangerous, and she told me "Debt doesn't matter, my lifestyle does"
So there you go. I own my own 2 bedroom 1 bathroom house and have enough savings to buy what I want, when I want, and she lives with her mom in 6 figure debt.
My time dating in the ten years since tells me every woman is like her now.

>>515163007
good
once she gets bailed out she comes back to me for sex. win win
i love simps

>>515163153
I shuffle my debt between 0% interest deals.

>>515163371
depends on the type of debt, how it's used, and your income

>>515163311
i met a woman who had personal responsibility once. But she was autistic.

>>515164783
>she bled through my savings
lol, retard, you spent the money on her
you sound like the woman in OP

>>515162584 (OP)
Keeping up with the Karen's.

>>515164093
why do you automatically assume a physics professor is smart
and a blue collar felon is stupid?

>>515162788
Because the know they can find a chump at a moments notice.

>>515162762
same im ~$1m on margin and id go more but im too scared like everyone else rn

>>515162584 (OP)
>Lifestyle creep
She's having a midlife crisis, but glorifying it by calling it being a travel addict.

>>515163001
Let's see.
Breakfast, lunch, dinner to go or sit down so $100/day min.
Coffee and fancy drinks 3-4 days a week so $400/wk.
Weekends out with friends $400/wk.
Makeup and other bulkshit 'needs' $200/wk.
Random Amazom stuff whenever $300/wk
Med co-pays for SSRI and ten other drugs $500/mo
New purse monthly $1000-2500
And on and on.

>>515165593
No, she stole my debit card. I was the idiot for making my PIN be my birthdate

>>515162584 (OP)
>looks happy
>with debt
shes jewish

>lifestyle creep
It's called being a vain, shallow whore.

>>515162584 (OP)
$25k is nothing. Total nothingburger roastie article

>>515163971
A single person with that salary could easily knock it out in four if they had self control.

>>515162584 (OP)
>spend three years scrimping and saving to pay off student loans
>feel nothing
>put new iphone on credit card
>enjoy new iphone
this actually happened to me once

>>515163002
except she has $25;000 in credit card debt and the APR is like 20% for credit cards.
$25,000 interest free is a different story.

Anybody ever shook down their monthly loan repayments successfully?

>>515162584 (OP)
>I'm a victim

t. every woman

>>515162584 (OP)
It's their future beta's problem

>>515162584 (OP)
> 6-figure job
For some reason people who earn money seem to think they need to get rid of it.

>>515165682
>blue collar felon
>room and board on the state's dime
>now he's back out on the streets, better equipped to not get caught again
>fucking off at a low effort job cause he's got a failsafe backup plan (prison)
blue collar felon looking pretty smart

>>515166495
I've never taken a loan in my life.

>>515166749
>I don't have a college degree
ok wagie

>>515166523
I noticed this. There's a lot of upper middle class white liberal women who got their jobs due to DEI and nepotism. They can't handle the money they earn and constantly spend it all on stupid stuff. Then they marry a beta and waste his money.

A normal male would use their wealth to better themselves and their family so I can't help but think modern women rights is a jewish conspiracy to just keep coonsomerism going so the money ends right back in the hands of the jews.

>>515166069
This happened to me with an ex. She took out $600/weekend to secretly spend on cocaine (that she didn't even share!!!). This went on for almost 3 months before I checked the account and found out. Women, man.

>don't spend money you don't have
Simples

>>515162584 (OP)
unironically im glad you dont know women enough, when you date/ gf/ marry one youll realize how much they waste money on stupid shit; just because things are "cute", "might need it someday", "monica has one so i must have one too", etc

>>515166779
I also have no debt I'm sitting on a pretty little stack. I'm also probably smarter and certainly less gay than (You).

>>515166069
>>515166993
you both are irresponsible. i check my account daily and don't even let my gf touch my wallet

>>515166925
>A normal male would use their wealth to better themselves
Yep now that I have money, I'm going on GLP-1 semaglutides to lose weight

>>515167098
>I also have no debt I'm sitting on a pretty little stack. I'm also probably smarter and certainly less gay than (You).
You may be smarter but no one that matters is going to believe you without the diploma

>>515162584 (OP)
Women are cattle

A woman will buy a house with one bathroom, and spend $10k renovating that perfectly working bathroom with cosmetic upgrades, then realize she wants a second bathroom... basically just an endless loop of shit like that

>>515162762
Based

>>515166503
Parts of this read like ragebait:
>At my most broke, I'm also making the most money I have across my six-year career. I recently started a marketing position, making well over six figures, three days a week, in person in New York City. How did I end up here, essentially working to pay back what I owe?

>>515162584 (OP)
Inflation does help with debt tho?

>>515167247
I don't care.

I ended up in credit card debt for the first time in my life this year. For me it was due to trying to own a house by myself. Within the space of a month I had a water pipe burst and AC went out.

>>515162584 (OP)
>Fell victim
Women can't hang IRL

Women hate thread

Because they live in the moment and spend beyond their means, pretty simple. My ex would buy holidays on credit justifying that she'll pay it off over a year from her salary

How the fuck do Women get so much access to Credit?
I have to fight tooth and nail and work literally every single day and have half my paycheck taken away and I barely am allowed to get 8k in credit across 4 different cards

My credit score is 740

>>515166036
>Weekends out with friends $400/wk.
wrong wrong wrong
that'd be a quick one night out, this girl absolute does a full weekend and takes an uber home on sunday morning. 1000 dollar minimum.

>>515162584 (OP)
Ive known multiple women got in that deep. But no men. Makes you think.

>>515167464
This is kind of my situation, except it was renting an apartment by myself. I went from being nervous over $200 worth of credit card debt to just hoping I can stretch the last $1000 of my credit until my lease expires next month.

>>515162584 (OP)
It's not her fault, it's the lifestyle creeps. They give her the ick

White women are the consumers by an extreme margin,slaves to the system.
Women will find useless trash to buy no matter where they go.

>>515167717
I dont have credit cards

>>515167575
banks know women are retards who they can always drain more money from.
A man will stick it to the bank and evaporate in a puff of smoke.
Women hardly even know how much money they have.
They are just that retarded.
The ideal consoomer retard.

>>515162584 (OP)
Because our entire consumer market is solely catered to them.

>>515167858
Ive found that 20k is about the limit. Up to till then, they can manage to some extent. Juggle multiple cards, rollover debts, etc. But at or beyond 20k, shit gets real. Collections, repos, etc.

>>515162823
This.

They need a credit card for their shopping addiction.

Women are the perfect consumers, they drive the consumer economy. Especially when they start having babies.

>>515162823
She might live in a very high cost of living area where a $105k salary is basically $65k, so it could be.

>>515166779
>loan=smart

Sure, a victim..

>>515162584 (OP)

>lifestyle creep

so this is the new excuse for being a selfish, undisciplined, ignorant retard?

noted.

>>515168822
Shopping addiction is cheaper than gambling addiction but not by much.

>>515162823
25k in CREDIT CARD debt is fucking retarded unless you have literal fuckyou money

>>515169190
a loan doesn't make you smart nor does a college degree, but a college degree convinces people with money that you're smart enough to pay for mental work instead of being relegated to manual labor

>>515169486
I generate 25k in credit card every 3 months. But I'm paying my balance in full each month and enjoying the cashback rewards from it.

>>515162584 (OP)
They are looking for an idiot to pay for their shit like a findim. Looking for a cuck like the gold diggers they are.

>>515162654
This, we're thrown into debt as teenagers now. Just because kikes want more and more and turn entire generations into wealth transmitters.

>>515162584 (OP)
some christcuck beta provider will bail her out

>>515169538
The credit card companies refer to people who pay off their monthly balance as 'deadbeats' even though they still make money from the merchants for each sale.

>>515168918
Men can live like Spartans and see nothing wrong with it. Women love to buy things and make babies which need to be supported. That is why men and women should get married before making babies, as holy matrimony is the foundation of a stable and loving family.

>>515169490
Is that what you've convinced yourself in order to take some sting out of your monthly payment?

>>515163002
>doesn't know what real interest rates are

>>515163002
dude they have adjusted interest rates, so as inflation goes up so does the interest. This is usury and jewish bankers were talking about.

They are incomprehensibly stupid and frivolous
Dumb bitch in the house Nextdoor to me has like 4 Amazon packages dropped off every day and I can tell because her stupid little dogs go ballistic every time. Then she whines about her massive student loan debt every time we talk. Wish I could backhand her.

>>515162654
Just consume . Stay at home live minimal until you got your career.
You don’t have to graduate with debt.
>>515163108
Debt free virgins without tattoos and mental health issues only

>>515162584 (OP)
Be white woman
>be terrible with your finances
>can't get out of crippling debt despite having a six figure adult daycare job
>you're the most important demographic in the market

Men gotta step up. We can't lose our most important consoomers.

>>515165682
>blue collar felon is stupid?
I agree, if the white collar professor was actually smart, he'd be leeching off the system and providing zero value back.

>>515163766
>Men will spend lots of money on fancy tools they may use once or twice or never at all.
And other stupid shit like guns that sit in a safe, motorcycles, expensive and impractical sports cars, fishing boats, brand name tools they don't use, ATVs/Dirt bikes, etc.

>>515163971
>25k debt with a $100k salary???
100k salary, but if you have retirement accounts, Medical insurance, taxes, and other payroll deductions can easily turn 100k gross into a take home pay of 50-60k. Then you have other expenses like housing, food, utilities, car payment, etc that will suction a big piece of that off.