Thread 520545587

Caleb hammers financial audit show radicalized me into the far right. You realize people are utterly subhuman.

>>520545587 (OP)
It took CALEB HAMMER for you? What income level did you grow up in?

>>520545587 (OP)
This guy's videos are nothing new to me. I've seen people doing retarded financial shit like this for 30+ years. It's mindnumbing to me how many people don't realize how retarded, shitty, scammy, god-awful people are IRL.
You go to school with these people as kids, you see how stupid and shitty and perverted and ignorant and utterly worthless they are, and you think they magically become responsible adults when they turn 18.

>>520545874
Its like doctor phill meets dave ramsey. Its crazy how well he doesnt just verbally rape them despite how much they beg fornit

>>520545587 (OP)
Is this kirks cousin ?

>>520545831
It was reddit during the Obama admin that really opened my eyes to it.

>>520545928
Think about every person that has debt. Debt that isn't a mortgage. Every person that has outstanding debt that is not a mortgage is a complete fucking moron. I have no debt. I cannpt fathom going into debt for anything other than buying a house(I bought my house). If you need credit to buy some shit, whatever it is, you do not make enough money to have what you're going into debt for. Debt is slavery. Without question. The first thing someone's gonna try and do to you when you go to prison is get you on the hook.

Debt is an IQ test. If you have debt, you have low-IQ.

>>520545587 (OP)
I got about 15 seconds in and he started squeaking like a 10 year old in a video game lobby, had to turn it off

>>520545587 (OP)
>far right
>people are utterly subhuman
it's all about women. not the left.

i used to watch him when he was just a small youtuber. i recently checked in on him and he's now shrieking and doing one of those soi faces. it was so striking. wow so this is what you have to do if you want to get big, i thought..

>>520545587 (OP)
Does he actually help people? Every time I see him he's just facepalming over someone spending more money than they actually make.

>>520546412
No he just literally told some foid hoarding food stamps to get the fuck out of his show after raging

>>520546313
you can skip the intro tho. unfortunately, most of video on jewtube these days are just like that.

>>520545587 (OP)
This is how the system works. It finds people that are not responsible and encourages bad spending habits. They end up in the cycle of debt that the elite have kept going for over a century.

>>520546412
https://youtube.com/shorts/fb-_VjccCtQ?si=-VAQoHKDoVUAk9Ci
So fuxking funny

>>520546313
Yeah he is pretty annoying and chooses guests mostly for shock factor. Dave Ramsey is much better, except his dumb boomer ass thinks remote work is bad.

>>520545587 (OP)
Can't stand watching this, and I've tried. He's not just gay, he's a FLAMING HOMO. And it is completely off-putting.

>>520545587 (OP)

There is such an evil dark humor that normal, decent, hardworking people are being completey shafted by retarded welfare programs that encourage more bad behavior.

>>520546412
He tries to but when retards start asking about if they can buy a brand new car after spending an hour telling him how much crippling debt they're in and how much they suffer from it he can only do so much
You can advise, manage and try to dig people out of their situation but you'll never save somebody who's terminally retarded

>>520545587 (OP)
There's an ancient Sam Hyde video, I think it was called Top Breech, where he's fucking around at a CVS. There's this dancing santa on sale for $20 and he says to the camera, "If you give a poor person $100, they'll buy five of these." and I think about that often. Hell, even my own gf makes the most boneheaded financial decisions sometimes, "girl math" is a real thing but it's more like "brokie math" since guys do it, too. Also as weird as this sounds, playing Overwatch has made me realize that people are just straight up delusional and will never take responsibility for their own mistakes. Once you've watched your tank pin around a corner into 5 and blame "no heals" for getting exploded, you can't come back from that and see other human beings as creatures capable of rational thought or self-reflection.
It sucks because on a societal level, we do need policy that makes peoples' lives better and easier, but on an individual level you kind of have to just nut up and John Galt it.

>>520546045
>it was reddit during the Obama admin that really opened my eyes to it.

>>520547071
why do they ALL have that exact same fake nasally put-on faggot accent? ALL “LOOKA ME IM G A Y” fags sound the exact fucking same.

>>520548583
>"girl math" is a real thing but it's more like "brokie math" since guys do it,
I have a friend. He's constantly complaining about saving up to pay off his CC debt. He's taken on a second job (target wagie) in addition to his white-collar office job for that.
Meanwhile he spends thousands of dollars to buy FIVE of the same motorcycle backpack (which i've never seen him wear at all) so he could have "one in every color". He also has probably tens of thousands of dollars of hockey jerseys and gear sitting in bins taking up tons and tons of space that he's "working on selling".
I keep telling him to just quit his target wagie job and spend a few weekends just going through all of the shit he's been planning on selling for the past 5 years and finally actually sell it, even if it's at a slight loss. He'd be out of CC debt, his apartment would be far less full (like an entire wall just taken up by large storage bins full of this) and he wouldn't be constantly busy because he's stuck working two jobs.

IDK man. Some people it's really hard to convince to not spend money like dummies, even when they already are having a tough time making ends meet.

>>520547071
I LOVE flaming homo cheetos, now more spicy and zesty than ever

>>520549110
I guess we all have our vices. Some people can't kick drugs, or gambling, or junk food. I waste too much time playing video games. Some people just can't stop wasting money. I'm starting to think self-control is a literal superpower.

>>520549110
From my experience you can't save these people. I would take on debt for kids but most people would take on debt for a new TV instead of feeding their kids. I would even give them an out by saying it's fine to live paycheck to paycheck so long as you are not in debt but people have zero idea of how to not spend more than they make or they willingingly ignore any advice. Besides how many people have you heard say "it's cheaper to eat out than to cook", that's how fucked these people are.

>>520546045
>start of obama administration
>liberal
>defending obama against detractors
>watch the news fellate that zesty fucker even when he's actually in the wrong
>end of the year
>switch to republican
It took close to 11 months of Obama to turn me off Democrats forever.

>>520545587 (OP)
>you bought heckin' WHAT? $3.71 of SNACKS when you're in DEBT?
Cringe as fuck.

>>520549110
Dopamine is the definition of a double edged sword. It is the molecule that activates our nervous system to motivate us and make us do things that are rewarding, e.g finding food and water, building a place to live, defeating opponents/hunting prey, etc. This motivating power is so easily hijacked even among intelligent people. Asceticism is clearly how humans should live in our current stage of development, but we've cheated into a future we are in no way prepared for or capable of handling, because we discovered electricity, and then semiconductors. The semiconductors are the real problem, and I'm of the opinion that we discovered that technology from some ET source or other more advanced beings.

>>520545587 (OP)
It made me feel good to be a poor neet but not stupid enough to completely fuck my life up with credit card debt since I’ve never had one of those. I think salting the normalfags really aim way too high if they want to be comfy they need to know that comes with some sacrifices. You can’t just have some insane lifestyle that is way out of your means. If you want to be lazy you need to smart and frugal. I don’t know if these retards have too much ambition or what but at some point these people did work enough to get a credit card. Stupid you gotta know when to stay small

>>520545587 (OP)
I'm not saying he does bad videos but he tried to fuck some brown guy he had on a couple years ago and there are a bunch of zesty texts between him and some high schoolers. So he's a fag

I watched one with this dude that was like a million in debt. He was a big fat stupid fuck that would spend thousands of dollars on DoorDash somehow this retard had a wife and kids too and at one point was making like 100k a year. But he quit his job lied about gibs owes the government a bunch of money and stopped taking care of his sick daughter spending all his money on slop. That guy is a real pos but how did he even manage to get to that far? Too much ambition in a very stupid lazy person. I don’t understand if your going to the neet thing why not accept a much more realistic standard of living?

>>520546299
How did you buy your house w/o a credit score?

>>520550889
Cash.
>where do you get cash
Economics of scale. Convince a lot of people to give you a little bit of money each, online. Tie in a few brand deals for a while. Save monies, buy property with cash. Just make sure your taxes are good. The IRS is the only problem in your life, do not make enemies of them.
If you get 50,000 people to give you $5, that's $250K gross. Do taxes, you get money. Buy house with cash. Cut that check.

>>520551039
Lol, okay, that's good bait.
For other young anons that might happen upon this thread, the reason you take on debt is to build credit. No credit, no house. Do not take on more debt than you can satisfy at any given time with saving. I have 2 credit cards, both I keep about half maxed. I have the money to pay off both at anytime but if I do, I stop building credit. You only build credit if you are actively carrying debt. It's a broken system, I know, but that's why people take on debt. Not because they are all dumb and some jerk off online in right but because we are all forced to play this silly game if you ever want a chance at a house or land

>>520546299
I have significant savings and a wife that has no idea how to save money. So my income gets eaten up by her stupid fucking spending every month. The only safe money I have is tucked away in a retirement account that can't be easily accessed.
It's post-tax money, not a 401k or IRA. So I technically can access it without penalty beyond capital gains taxes. But whatever, that's not the point. The point is that it makes sense for me to carry a little bit of debt from time to time because my investments are making more money than the APR of my credit card.
Normally I'd just pay it all off every month, but I got stuck with a woman who doesn't know the first fucking thing about saving money.

>>520551424
>>520551637
I will always recommend people to never ever take on debt. If you think you can handle it, good luck, but knowing civilization as I do - >>520545874 I will again reiterate that debt is slavery.
>but I have to build credit!
No, you don't. Do you think everyone on earth has a fucking FICO score?
https://en.wikipedia.org/wiki/FICO

You've been had if you think you need to boost your credit score.

>>520551897
>Do you think everyone on earth has a fucking FICO score?
Every REGULAR person in America with house does. Look man, if you can buy a with cash, fucking do it but I'm going to need to take a loan and the better my goy score, the better the loan. It's bullshit, yes I fucking agree, a hundred times I agree, but I want a house. So, until the day that America actually wakes up, sends the entire Northern Atlantic Fleet into the Mediterranean and turns Israel into a giant glass reflector, this is what I'm gonna have to do

>>520552166
>Look man, if you can buy a with cash, fucking do it
I did.

>>520545874
Yep correct.
You'll have "people" giving you shit for not having generic bling (tm) or NPC "cool" car if your in a place that you drive.

Almost all of these fuckers $100,000k student loans, financing cars and paying 2.5- 3x the price of the outright purchase.

Financed Furniture, Iphones, Computers, TV's, Entertainment systems, Dildos, Holidays.
Payday loans for take out.

They're fucking garbage.

I have close to zero debt and paid of my student loans but these motherfuckers can't go a month without buying something on credit.

I haven't met a woman in 5 years that doesn't have debt.

>>520546525
The new meta is making people subscribe to everything and anything and then hope they forget they're subscribed so you can get money for nothing.

I truly wish governments would pass legislation forcing a pause on all subscriptions that aren't used for 2 months. Or at least forcing these corpos to send an automated reminder. This isn't a good route to go down on. It's so ... Childish.
Same as gambling or 30 year auto loans. Companies shouldn't be allowed to predate on the retarded. They should sell honest goods and services at honest prices or die.

>>520549387
kek I remember going on a rant in a blog post on myspace about how black people just voted for him because hes black. That was what really opened my eyes to black ethnocentrism. I think I was a freshman in hs. And the fact that as soon as you could choose your own lunch table there'd be 1-2 black people tables every lunch period and the rest everyone else kek

>>520552587
30 year auto loans would be fine if they actually designed cars to last 30 years long.
Nowadays it seems they aren't designed to last more than 10.

>>520545587 (OP)
I grew up poor so I was never under any delusion that 99% of the people who are poor are poor for a very good reason.
With them, it's just an endless chain of absolutely retarded decisions and zero self-control.
>I cannot get my rent but let me quickly go over to the gas station to buy some smokes and booze
>No, I can't walk 300 meters more to go to the grocery store and get it for 20% less

>>520546299
pretty much
>don't have the money to afford something
>buy it on credit
>which means there's interest
>which means you paid even more for it
>for something you could not afford in the first place

>>520545587 (OP)
so what did they buy

>>520553465
For most americans it's mostly fast food that kills the budget.

>>520553319
The companies need you to buy things you can't afford because the prices for these goods need to be high because the shareholders need a return on their investment.

>>520553547
The shareholders is your 401k. This is why people can't argue for wealth tax since its essentially removing the value of these stocks.

>>520553594
>just go into debt to feed the shareholders so your 401k line goes up!
OR, you can convince thousands of people(the retards I mentioned above) to give you money for some dumb bullshit.
You want $20K?
Get 40,000 people to give you $1 each. Pay the taxes, pocket the rest. There are 8,000,000,000 people on earth. There are 300,000,000 adults in the US. If you can get 1/1000 people in the US to give you $1, how much money is that?

Economies of scale are the exploit. Make a lot of people give you small amounts of money, and if you do it right they won't even notice you took them. Why do you think $6000 arcade machines in the 80s paid for themselves in a month? And that's local.

>>520546832
Ramsey's gone full retard. He's said at least 2x "all men should get married". Apparently divorce laws don't exist.

>>520549019
That, a fake machismo that would even make a Latino cringe or far too androgynous trying to be cool tone that screams "i'm a bitch'. I honestly cannot stand most modern speakers and how they speak. Holy shit. They sound like a totally not flaming faggot, a bitchy wimp, or a fake coward. I cannot stand this shit and they keep pushing their shit but goddamn just try to NOT sound like a total fake, gay, or a complete bitch.

>>520545587 (OP)
>I watched a jew on youtube and the paid actors severely changed my politics
lmao at you

>>520554803
politicians are paid actors so it tracks

>>520551424
If you have a good income, money for a decent downpayment (20% plus), banks will reject your loan application? No credit history, but no defaults too.

>>520545587 (OP)
The only subhuman here is you. He has an incentive to have the biggest retards on his show to keep up engagement (and revenue) flowing, so he cherry picks or straight up fabricates his shit.

Debt culture is an American thing.

>>520557784
In fact, self-help/improvement is one of the best deradicalization strategies. Make people think that their life being shit is their own fault and not the people in charge.

>>520549387
I had a very similar experience but with Trump and fox news defending every retarded thing he's done

>>520557868
Nah its a European country with Jews in it thing.
The more jews the more debt.

>>520545587 (OP)
>MONEY
>MONEY
>MONEY
Jew coded

>>520556683
I was pre-approved for a mortgage and had my offer on a house accepted with 20% down and stable income. I got a call on the weekend from the bank saying I needed to look elsewhere for financing since I had paid off my student loans and auto loan too long ago (5 and 7 years respectively) and since I had no credit card or debt, I fundamentally no longer existed in the system. Eventually I was able to get a predatory cc that I paid off monthly and the next year had no problem locking in a mortgage at a middling rate, from another bank so those who scorned me wouldn't get my interest gibs.
I reject the talmud

>>520557975
So true xister, trans rights are human rights!

>>520546299
I took on debt to become a lawyer.

>>520552166
Truth for most Americans unfortunately. Israel and the fed must burn

>>520552911
Even the older cars that last that long were probably a mistake.
>whoops we accidentally made those too well and people are still driving them!
>fire whoever did that
>we need a jew in here, stat
>get me my quarterly reports and morning child

>>520545587 (OP)
Buy an ad, faggot.

>>520546412
theres only so much you can do for people that failed first grade math

>>520551424
>Tell us how to make money, and don't give me any of that just provide goods or services that people want to pay for bullshit.
>You literally cannot have credit cards and pay them off every month!
... and then one day, for no reason whatsoever, the Jews decided you were all just livestock.

>>520546045
Plebbit
https://youtu.be/r8486DRqJ-w

>>520546299
>debt that is not a mortgage or that will make you a net positive return
ftfy. rich people use debt to get richer all of the time

>>520550889
brokers

>>520563413
>>520548951
Hi newfags.

>>520553942
You are a retarded nigger child. You have to be 18 to post here, and stay off tiktok

>>520549110
The root of the issue is people constantly seeking little moments of happiness to have a constant state of happiness. Buying something does this for them. People in my life ask why I always “deprive” myself (I don’t, I live a good life), I explain that being broke is more mentally taxing than skipping going to the store on the weekend.

>>520551424
>I have 2 credit cards, both I keep about half maxed. I have the money to pay off both at anytime but if I do, I stop building credit
DO NOT DO THIS. This is not now the system works.

Most of your credit score comes from three things, and none of them are being fucking retarded and paying the credit jews interest every month:
>average account age
Open a credit card and keep it open. Irresponsible people have their card closed when they don't pay, or open lots of cards, which lowers their average account age.
>credit utilization
Meaning you only use a little of what you have, because you're responsible. Irresponsible people use a lot of their credit limit, like you're doing.
>payment history
You pay your bills on time. THIS DOESN'T MEAN ACRUING INTEREST. Just pay your credit card statement when it's due.

The entire point of a credit score is to see you're a responsible person who can pay their bills. Not paying your bills "to build credit" is a completely moronic approach people love taking.

>>520551637
People really don’t understand women’s spending problems until they get to know them intimately. My last GF still lived at home, paid her parents 400 in rent, made 80k, and I found out she had 15k in CC debt. Had to leave her after that. I made 2x what she did and she couldn’t fathom why I didn’t want to go on a vacation every 2 months. To them, if you have money saved, that is available money to spend. They can’t fathom the concept of a buffer or safety net.

>>520546832
Doesn't all of his advice boil down to "don't get in debt, work hard, eat rice and beans and you too will purchase a beautiful house after a year's work like I did back in 1970"?

>>520545587 (OP)
>screaming jewish man on youtube

>>520545587 (OP)
it's all fake Jerry Springer tier shite for the new generation who's problems aren't extramarital affairs with cousins, but money because most people are broke

>>520565137
all his videos break down to this:
>be retard
>put everything on credit cards
>have student loans
>pay the bare minimum
>lol but uber, uber eats etc.
>spending whatever money they have left on utter garbage
>jewish man yells
>*loud rattling of shekels in his pockets as he twitches around and rages*
>merely a humiliation ritual for all participants
>nobody wins except the jew
the end
the end

>>520565311
>jerry springer tier
yes indeed but so much worse. it's completely fucking cringe. it's jeremy kyle-tier at most.

>>520545587 (OP)
I don't understand how people tolerate that fake whiny nasally emoting people like him do. It's so prevalent among zoomers it makes my skin crawl.

>>520546299
>Debt is an IQ test. If you have debt, you have low-IQ.
Only poor retards like (You) don't understand how to use someone elses money to make more money. We're in a Debt-Based-Economy, the more Debt you can handle, the richer you become. Now get ready for your hourly wagie work this week.

>>520566664
>the more Debt you can handle, the richer you become.
Pretty sure that guy meant buying shit you don't need with money you don't have, as in consumer spending on debt. But do give us some pointers on how you've used debt as an infinite free money glitch.

>>520567289
>For 6£ a year you may have use of 100£, if you are a man of known prudence and honesty. He that spends a groat a-day idly, spends idly above 6£ a year, which is the price of using 100£.”
t. Benjamin Franklin

Rich people use other peoples money to gain fortune, poor retards trade their time for money.

>>520567609
I see, so tell us about how you have turned debt into an infinite free money glitch for yourself.

>>520567889
>aislop posting retard cannot infer how to succeed from benjamin franklin's astute advice
imagine my shock, stay retarded nigger

>>520547071
>Can't stand watching this, and I've tried. He's not just gay, he's a FLAMING HOMO.
that's just typical zoomer way of carrying themselves

>>520567971
So you can't give us some specifics on how you personally have turned debt into an infinite free money glitch?

>>520547357
they go on there and intentionally say retarded shit to trigger him and then he pretends to be triggered and sois out for the subhuman normie audience. that's the show

>>520568132
>dumb amerimutt nigger who has never got a loan for a business venture
stay retarded lad

>predatory
This is one of the most abused words of the 2020s for sure, like "trauma". Just don't spend money you don't have. It's literally that easy.

>>520549315
It's because the normalfag mind is primarily preoccupied with status. Going into debt or living paycheck to paycheck for the sake of status is a valid tradeoff to them.
I can't even say they are 100% wrong either since women seem to reward that behavior and their genes are the ones that will make it.

>>520545587 (OP)
I like this guy.
>MCDONALDS!
>GOT SOME BULLSHIT!
>GOT SOME BULLSHIT!
>DOORDASH!
>GOT SOME BULLSHIT!
This economy blows. Yet, I see people with those average jobs paying about $40,000 a year constantly eating out. A Starbucks or an energy drink always in their hand. I kept asking myself, “HOW??? How are people affording this????” They’re not.

Watching his show is kind of like why I watch My 600lb Life. Scares ya straight. I could do with a little less of his constant shilling of sponsors and merch, but whatever.

>>520569069
Still can't just give us an anecdote from your own life experience? Come on, Ranjeesh, at least make something up that sounds half credible.

>>520569069
>business venture
Ok Richard Branson..

>>520565116
>To them, if you have money saved, that is available money to spend. They can’t fathom the concept of a buffer or safety net.
Because in her mind, she can just monkey branch to a different guy after she has drained all your resources.

>>520569689
i wanted some fritos the other day and it was $6 a fucking bag. no thanks. i left the shit on the shelf right where i found it. company is probably owned by some jew anyways

>>520551424
you do not need a credit card to build credit. Between car loan and student loans that was plenty to build my credit score and buy a house. I have never had a credit card in my life.

Literally every single guest who was in the military on his podcast is on VA disability making like $5000+ a month free for a papercut and they still fuck that up. No active duty or anything, just logistics or clerical lookin mfs.

He's why I'm immune to anyone whining about muh economy because 80% of people would still fuck their money up even in the best possible economy ever.

>>520570744
I don’t buy snacks like that anymore, either. Maybe once in a blue moon on a road trip. SNAP benefits account for something like 40% of the Coca Cola company’s revenue. I suspect junk food keeps going up, because SNAP balances get regular raises while most working wages stagnate. Then we have these adult children maxing out 5+ credit cards who can’t maintain the Welfare diet lifestyle. Have you noticed now how snack and drink vending machines ALL accept credit cards now? That shit is insane.

>>520570744
>no thanks
I think the inability to say this is the real reason that "American financial struggle" is its own tiktok genre now. I can remember the day that I saw the prices at KFC and just walked out, and that was when I was a retarded high schooler. There are certain things that are just not worth the money past a certain point, and the average American just doesn't agree with me on that. Then they'll bitch when money's tight like 90% of the problem isn't themselves.

>>520549671
If you can’t tell he’s a faggot from hearing him speak you have terminal zoomerism and are gay. Why can zoom-zooms not detect homosexuality from mannerisms? Why do they need to see proof?

>>520571800
I agree, mostly. The cost of housing and vehicles has really gotten out of control, though. Those little minimum wage jobs when they paid $4.25 an hour and apartment rent was $180 were a struggle, but doable. But once minimum wage hit $7.25 it just fucking sat there and has not budged since 2009. We have kids looking for their first part time jobs now staring down wages that have not increased since the year they were born. Those little $180 a month apartments in my town in the 90’s now start at $1,200.

>>520572276
Eh, I don’t think he’s gay. He gives off strong former speech therapy student vibes to me. Was likely a band nerd in high school and that was his only shield from getting shoved into lockers every day.

>>520549315
> Besides how many people have you heard say "it's cheaper to eat out than to cook", that's how fucked these people are.
This drives me fucking nuts. Along with “eating healthy is expensive”. Neither are true. I am a serious lifter. I eat healthy and I eat a lot. My lunches I take to work are $1.60 and will fill any dinner plate. It’s rice, ground turkey, black beans, and onions sauce. I can make two weeks worth of lunches in like an hour or hour and a half on the weekend. It’s easy. Those ten meals are barely more than a combo meal at a lot of fast food places. It’s cheaper than two meals of fast food.

People are lazy and dumb and love excuses.

>>520573089
This is pretty bad bait.

>>520546299
We buy everything with a low interest CC that has cashback and pay it off every 2 weeks so the jews get zero interest from me hahahaha

>>520551424
> I have 2 credit cards, both I keep about half maxed. I have the money to pay off both at anytime but if I do, I stop building credit.
You are a fucking retard and don’t even understand how credit scores work. You’re paying hundreds of dollars in interest every month acting like a dumb goyim.

What you should be doing is putting all purchases you can onto your credit card to earn cash back, then paying off your statements in full every month. Routine payments (never missing) ups your credit score. AVAILABLE credit ups your score. If you have $10k available on your cards and you roll a $5k balance every month you are hurting your score vs $1k of routine expenses that get paid off on the due date. Not to mention the insane interest you’re paying.

>>520553942
> Get 40,000 people to give you $1 each
How? Explain your strategy.
>inb4 excuses
If you can’t articulate how you’re doing it you are full of shit. Which you are.

>>520573412
That’s what I do. I used to put everything on my cards to pay off every month until some people suddenly began charging an extra 3% processing fee. For those I pay cash. I don’t know why local businesses are doing that but it pisses me off.

>>520545587 (OP)
Every veteran that comes on the show
>I work full time and make x amount while also getting 100% disability for x amount per month, how did I get disabled? Major arthritis from using the spoons during chow.

>>520545874
>You go to school with these people as kids, you see how stupid and shitty and perverted and ignorant and utterly worthless they are, and you think they magically become responsible adults when they turn 18.
That's a good point, they never change and we saw that growing up. We knew they'd get out in the real world and fake/lie/scam their way to top like they did in school. Like how they'd take easier, dumber classes to get As and have good GPAs to get into other institutions... but the kids taking harder classes, failing through them... but passing finally... they look stupid with lower GPAs.

>>520553942
> Why do you think $6000 arcade machines in the 80s paid for themselves in a month
Because it was a business asset generating income you fucking tard. They were paying for a service (entertainment) the machine provided. That’s the complete opposite of literally asking people for free money which you are suggesting.

>>520573818
Its because the card processing companies charge them that. The big companies just add it into the goods and services. I only see it at the local asian massage parlors that i get happy endings at so not a big deal.

>>520546299
If you have a mortgage, you are low IQ.

>>520570744
Self control is a dying skill unfortunately

I have a 797 fico score with no debt but I live in an apartment and don't make much money

>>520545831
It was CALEB RENTPAYER for me.

>blue AND ones

>>520574925
Would you say that you live comfortably?

I don't understand the point of loans unless it's literally life or death type situations. Buy a used car and live within your means.

>>520545587 (OP)
It took a TikTok show for you to redpill? Good for you I guess, hopefully you're some teen zoomer or something, or you would be terrifyingly behind the curve

>>520569689
> A Starbucks or an energy drink always in their hand. I kept asking myself, “HOW??? How are people affording this????” They’re not
It baffles me too. Regular coffee is pretty cheap everywhere or make it yourself with a $25 coffee maker. If you “need” the sugary drink, get a bottle of caffeine pills and drink a pop. Pop is relatively expensive for what it is, but a case of 24 cans is so much cheaper than buying them one at a time like so many people do. It takes basically no effort to do this and you save so much over the years.

>>520545874
>, you see how stupid and shitty and perverted and ignorant and utterly worthless they are, and you think they magically become responsible adults when they turn 18.
people dont become good or evil they are born that way

>>520573958
>but the kids taking harder classes, failing through them... but passing finally... they look stupid with lower GPAs.
Lol this is me, and probably half of /pol/. Work for UPS now since elite thinktanks and the department of state didn't want me. Did you know the DoS will hire a pajeet over an american, give them citizenship, purely because they favor native speakers of foreign languages over actual americans? Nice system we have here.

>>520574352
Not taking advantage of mortgages is lowIQ. I got like 60K in equity because I bought in with a 3% down loan during covid. Houselets mad af

>>520568132
I took out student loans to go back to school and put my money into crypto. Made 30k from nothing the last 2 months. Will make 300k next time.

>>520574352
>”borrow” money through my mortgage at 2.75%
>can invest in risk free treasuries at 4+%
Why am I dumb for getting a free 1.25% spread? That’s called arbitrage and you should do it any time you can. And that 1.25% is basically the worst case scenario.

>>520549110
How much fucking CC debt does your friend have lmao 50,000?

>>520575003
Yeah, pretty comfy

>>520575238
Most Americans have a certain lifestyle they want that they can't actually afford, so it's all based on debt.
It starts with a car you need to get around, can't worry about it breaking down so it has to be a new one. Then you need student loans to be a high-status office worker that is superior to your chud grandpa. Then you graduate college and you "made it" so now you deserve a 3000 square foot home. And if you get married it has to be a huge spectacle all on credit too of course.

>>520551637
Why let her spend your money in the first place.
At worst you should of just gave her a budget in a separate account you spinless fag

>>520551424
Holy shit you're retarded. Nobody listen to this clown.

>>520546299
Checked and this is bologna. Borrowing is a common tactic for generating wealth. Having a weird mental block that prevents you from borrowing wisely will stifle your credit growth. Obviously dont sign up for every credit card that comes in the mail, but using credit while keeping a balanced budget typically ends in reward ploints and free shit.

>>520576015
Then I don't know why we should be so self-conscious about what we have or don't, as long as you don't wake up in the morning feeling severely lacking. I'm largely in the same boat you describe. Makes saving money very easy and given how disgustingly lazy I've been, it's considerably ahead of what's apparently average nowadays.