You heard that, guys? From HIS understanding . The guy who nobody wants to be friends with . Who hasn't said a thing worth reading in his life . Who at least has a surrounding of people taking care of him in the form of denying it . We do not need yet another stone on this mountain , this suicidal mountain

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>>34297128
What's to understand?
They are basically just animals. That's not necessarily insulting, merely a fact. I don't think lesser of cats or dogs or cows for carrying on their existence the only way they know how.

>The people may be made to follow a path but they may not be made to understand the reason why.
Confucius, 2500 years ago.

Consider that due to population growth and IQ distributions there are actually far more stupid people alive right now than ever before in human history. And they are increasing every day.

>>34297128
>Tenants
I see the problem here, how about trying to productive for once?
I was trying to find those leakedpictures of the landlord cartel groupchat where they agree on prices, but cant find it
But also,
When an army is forced to retreat, they usually take with them as much as they can and destroy the rest, doesn't matter how valuable it is, is better to loose it than to loose it AND someone else to have it.
In their minds might as well spend it on fleeting pleasure before the landlord or any of the other players above them get a hold of it, in reality they are just giving it to Bezzos instead of you, but at least they have fun.

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>>34297128
>some of my tenants
>landlord wondering why poor people stay poor
>assumes it's because of starbucks

>>34297128
>I've had some of my tenants
>picrel
Millenials will become Boomers 2.0 once they get older and grumpier, and inherit all of their parents/grandparents properties, yep.

Although, yeah, you have a point. Normalfaggots buy a lot of weed and alcohol. I have not met a single normalfag that doesn't have a vice. And if its not a vice proper, they are shopping addicts or health addicts that buy everything organic where it shouldn't be like organic black beans that still taste the same as normal ones.

>>34297128
>Help me understand poor people
>From my understanding it's an IQ thing.
>High Vs low time preference. Instant Vs Delayed gratification

I'm a poor guy myself. You're spot-on about the High/Low time preference & instant/delayed gratification being a contributing factor. But its not necessarily indicative of low IQ. In my albeit anecdotal experience, it's long-term delayed timers who are often dull mentally. They are good at organising and strategy yeah, but that's not impressive intellectually, it's just making use of prep time. There are no immediate problems being solved there, just predictions being made and often not even predictions calculated from the long time thinker's own pattern recognition, typically from tip-offs from sources they find. They are outright told what to do by someone else.
Short term thinking means encountering more problems in day to day which means more necessity to use actual pattern seeking to problem solve, in my opinion more likely to have higher IQs as a result.

What you fail to understand is there are those of us who don't actually care about money. Some of us are fine with less than modest living. I don't revolve my life around pieces of paper

>>34297396
>>34297128
Also
>Landlord

As I said, no problem solving or pattern seeking being used there. You don't get intellectual points for being a social parasite or drain. Legally it's savvy, morally is grey, but mentally it's lazy to just have a set up where you do nothing but put your hand out and demand money from tenants and, after doing nothing except purchasing a property, you just take money. Which is fine, Im not a commie faggot and won't reee, but you can't call that smarts.

Think about it. What's the difference between a landlord and a homeless beggar on the streets besides a silly power dynamic? They're the same creature really. Both have their hand out and expect money to be given to them from doing nothing.

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>>34297128
>People don't live like me
>I try to tell them they should live like me
You enjoy saving money, they enjoy starbucks. Everyone has different interests.

>>34297128
you probably take a lot of things for granted which allowed you to have enough wealth to protect in the first place

it's kind of a chicken-or-egg thing
they never had any security so they don't care, but because they don't care they'll never have any security
you're the opposite, i would guess

>>34297422
>>34297396
>>34297128
One last point to consider: The difference of intellect between long term Vs short term thinkers.

In this safe and mostly predictable social enterprise we live in, your ilk is seen as more intelligent on the surface because you can thrive in long term movements. But it's safe, repetitive, non flexible and chances of adaptation skills being built are low. It's routine and routine tends to attract "high IQ" autists.

When that routine breaks, when society fractures and things become a bit more chaotic, all the "IQ" drains from long term thinkers faster than blood from the umbilical coord when severed. Suddenly they're dumb and all their intellect counted for nothing. It's why so many people committed suicide when wall street crashed: reality exposed them for the mental frauds they were, fools unable to adapt.

Short term thinkers adapt as a rule every day, and in a situation where society becomes less predictable and crumbles down, we go back to predator Vs prey dynamics. Guess which one is prey? The one who doesn't think of short term gains is who. Then all of a sudden what we call "intelligent" is now flipped. It's long term grass grazing prey animals humans who seem dumb.

>>34297128
ehh my IQ is stupid high and i love drugs and alcohol, guarantee i'm smarter than you lmbo

>>34297128
It's not IQ. It's capacity for delayed gratification. Something that seems obvious to you - "If I save up now I can buy something big later" - is emotionally overwhelmed by "I want what I want now"

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B8 thread but if you make only $30k a year it's really not even worth saving. If you saved half that kind of salary what would you have after 20 years? $300,000 if you saved straight cash? Maybe $700k if you could magically find a way to gain 8% interest a year? Crypto casino is done, that's not an option anymore.
Great, I have 700k, now I can buy a house and fund another decade of a middle class lifestyle that puts me right back on the treadmill.
Naw, the only things worthwhile in this life are partying and experiencing pleasure. You can virtue signal about the importance of saving your pennies and finally enjoying life after 30 miserable years of eating rice and beans and watching pirated anime.

Saving is a spook. Make more money.

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>>34297128
>Help me understand poor people
Slop thread

>>34297844
yea if buying weed bankrupts you then you were broke either way. Most people are poor as fuck and almost none of them have a pitbull, a financially draining weed habit or an expensive car lmao. obviously some do but be real most of them can't even get a dog in a rental. If they can even get a rental

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>>34297321
>everything organic
It's not just about taste but an investment on health. I don't think this is a waste of money.

>>34297396
>us who don't actually care about money. Some of us are fine with less than modest living.
Yeah but then they work dead end retail jobs 40 hours a week and complain about it. They can literally go to college for free. My friends and I all went to college for free from the government and now we are engineers and professors.

>>34297422
>doing nothing except purchasing a property
They break the washer every year. I improve the property with their rent. I even literally physically helped this nigger move in and he ended up terrorizing the other tenants, punched a hole a door, and broke his own door because he forgot his keys after he got let out of jail for posession of illegal firearm. I've let a tenant stay even when they owed 6k. Thankfully they paid it back. If giving people who would otherwise be homeless a chance to live in a house, is "doing nothing" then I guess so. I'm barely even making money sometimes with the amount of repairs I have to pay for.

>>34297844
>eating rice and beans
Not true. I shop at Costco and spend less than them eating out all the time. McDonald's is extremely expensive.

>>34298041
Maybe it is just this area but literally every poor person is on weed and alcohol.

>>34297128
They also barely make any money and their jobs suck so bad that they need to spend money to relieve the stress.

>>34298111
>Maybe it is just this area but literally every poor person is on weed and alcohol.
do you genuinely think they'd be loaded if they weren't? Half the population is dumber than average before you even factor in being broke

>>34297128
Once you've been through a few cycles of having all of your savings wiped out by some unforeseen calamity, or a mounting debt that you had little choice in, you do stop caring as much. When you're poor, you sometimes learn that any money in your hand will fly away quickly unless you spend it. If you're *poor* poor and using government assistance, it can bite you in the ass to keep funds on hand, and at most you keep your savings in cash by doing things like selling food stamps for 50 cents on the dollar. All of that's to say, these people either believe or have learned that money is finite and fleeting, probably didn't get the best financial education (not a matter of IQ, but actual knowledge), and so what you would see as "poor financial choices" are often either all they know, or all they can do. The benefits system is set up in such a way to keep you poor once you're dependent upon it, too, so if they're receiving EBT and section 8, it's not that they can't get a better job, work more hours, whatever, but if they do they get penalized for it and actually come out worse off in the short term. Not everyone can even afford that sacrifice, many are just exhausted and will earn their spending money by side-hustles.

Another factor that's more society-level than individual is that, "stupid" people exist, and always have. Just a fact. Many of these people can't go to university and earn more, because the limits of their capacity are manual, blue-collar labor. Problem is, over generations the good paying jobs that required no more than a basic education (if that) have been reduced to minimum wage labor, or have left entirely, out-bid by the third worlders who make all of our cheap shit now. The people are still the same, their capacities for work haven't decreased, we just don't have a place for them to succeed in society anymore. Before, they would have worked at a coal mine or steel mill. Now, they work at Walmart, and that's all they're capable of.

>>34297128
The actual real answer to your question is people like having friends and they don't like how being rich (not moderately wealthy) affects their social life.

>>34297128
im restless poor guy and these little things i buy with my money are highlights of my day. it takes immense will to just suffer and have boring bland life to have cash build up. I know people well like this, they dont have the same problems I do. They are able to save up cash and work a lot. Me and some other people just can't stand that lifestyle and find purpose each day with these purchases.

>>34298194
>The people are still the same, their capacities for work haven't decreased, we just don't have a place for them to succeed in society anymore. Before, they would have worked at a coal mine or steel mill. Now, they work at Walmart, and that's all they're capable of.
that's bullshit. zoran just proved it by offering $30/hr to shovel snow and having tons of people show up

there's tons of roads that need patches, bridges that need repair, parks that need cleaning, that's just not getting done because they won't pay for it

>>34297128
>help me understand poor people
Poor people don't want to lose poor people privilege.

>>34297128
Usually poor people are disadvantaged in multiple areas simultaneously.
Scientifically, less succesfull humans are so by genetics and fathers wealth. Period.
Are you tryng to frame your success iniside christian moral?
You can't.
Embrace it, if you believe in Jesus, you are goin to hell.

>>34298111
>charge people money to have violent niggers live right next to them

>>34297128
I'm poor despite being smart and disciplined with money.

>>34297128
1. Its more expensive to be poor. Look up the "boot theory of economics". It basically explains that people who can't afford quality goods are forced to buy cheap, subpar goods that need to be replaced constantly. The theory is that a wealthier man can buy a $100 pair of boots that will last him years whereas the poorer man can only afford the $30 boots that he must replace constantly. In the long run, the poorer man ends up spending more money on boots because he couldn't afford the initial investment. This is MASSIVELY true for healthcare. Poorer people go to the doctor less and spend less money on preventative care. Their health issues compound and worsen and by the time their conditions become severe they're spending more money on medicine and treatments than wealthier people do because they couldn't afford the initial investment.

2. The idea that richer people make better financial decisions is really just not borne out in data. The reality is that wealth is a better insulator from your bad decisions. If your parents are upper/middle class you can afford to make mistakes, take a year off, perform poorly in school, make bad investments etc., because your family's wealth insulates you from the consequences. You can instantly recover from financial losses whereas poorer people are put in sometimes permanent poverty.

3. Education is huge. If you grew up with rich parents then they can afford to teach you better. You have more time for extra-circulars, hobbies, access to tutoring, adequate spaces and time to study, access to private schools. A lot of the indicators of economic health become relevant from teenage years i.e. how to manage credit cards, when/why to take out student loans, setting up trusts, investment etc., If your parents don't teach you then you just won't know. Economic literacy is almost discouraged in every aspect of American life so your family background is going to massively inform your education and mobility.

>>34299529
>>34297128
4. "Saving money" and "investing" is a good idea in principal for poorer people but in reality the amount that it would take to insulate them from emergencies is typically not enough. A person near the bottom of the income scale can save 10% of their paycheck every month but because of the amount relative to their yearly salary all it usually takes is one emergency to wipe their savings out. Medical, automotive, court costs, education, childcare etc., All of these costs are compounded if you have preexisting medical conditions or children. It isn't an exaggeration that nearly half of the country doesn't have $500 available for an emergency. This is where predatory credit companies step in and all it takes is one missed payment to permanently set people behind in their savings goals for years.

It is true that poorer people still spend money on phones and cars and consumer goods that they perhaps don't need but I read a very interesting psychology paper on the anxiety/stress dynamic of telling people "Yes, you can climb out of poverty but it will take years of savings and working and spending money on nothing fun or enjoyable". Its a principal that sounds really easy from the outside but in practice it really just isn't that simple. As I said earlier, our entire economy is built to discourage smart financial decisions. We WANT people to spend money. Its how we convince people to exist about their station. It would be great if poor people everywhere just stopped buying alcohol and phones and weed but it really just isn't that simple. Even if its just one or two splurges people have a difficult time living and working and trying to scrape by with minimal entertainment expenditures. As it turns out, its really fucking difficult and it makes people miserable to work all day and come home to nothing.

>>34299529
>>34299541
5. Its also worth noting the psychological factor of the underclass. When the most reliable indicator of your financial future is your financial past its difficult to imagine any other reality. If you're poor its likely your father was poor, his father was poor and so on and so fourth. The amount of people who successfully climb the social ladder out of poverty is extremely small. As I said in previous posts, the initial investments are prohibitive and this is by design both principally and functionally. When you're born in a shit life in a shit neighborhood and your entire family is poor and your grandparents are poor and THEIR parents were poor it takes quite a bit of will, luck and skill to break out of that pattern. In today's age of catastrophically high depression, anxiety and existential dread it feels like a lot to expect anyone to overcome a thing that, statistically, 99% of them never will even if they tried.

>>34297128
I came to make a similar thread. The habits of poor people. There’s so many exceptions to the rules. My family has always been poor. I had no education. I drink, smoke, drugs, lazy as fuck and still have more than everyone I know in my family combined. Some of the smartest guys I know are poorfags. Idk what it is.
>>34299552
Great contributions. Could not disagree except for half of it. It is not impossible nor even necessary difficult to get ahead from anywhere. One of the stumbling blocks may be for one to believe that they were born into a certain class. It is more difficult to have less. I do not understand why people do it to themselves. Especially having trouble trying to haul my dirt farming relatives from despair. I notice that they always have emergencies over shit that I would simply ignore.

>>34300215
>It is not impossible nor even necessary difficult to get ahead from anywhere.
Its not impossible but it absolutely is difficult.

>One of the stumbling blocks may be for one to believe that they were born into a certain class. It is more difficult to have less.
In a certain sense you are born into a class. One of the biggest indicators for your economic future is your family. Generational wealth, houses, assets etc., The more you have the more you can leverage. This is the reality of economic mobility in America - how much money you have to leverage to make more. Again, its not impossible to achieve this but starting with nothing is statistically, objectively more difficult. You have to generate all of the initial investment that others were simply born with.

>I do not understand why people do it to themselves. Especially having trouble trying to haul my dirt farming relatives from despair. I notice that they always have emergencies over shit that I would simply ignore.
I would say its a an entirely different culture. Being poor in and of itself is a lifestyle that often doesn't lend itself to any form of grander dreams, especially when the entirety of your energy in the day to day is being spent on simply surviving

Well my mom lost her job and cleaned out her savings and investments trying to keep us afloat, and I got my first minimum wage job back in September of last year, I basically had to give away my whole paycheck to pay the mortgage and insurance every two weeks, and she hasn't had much luck with finding a job in her field. Her pension just started to roll in a month ago so there's a bit of breathing room, but she's still looking for work. Mind you, she took us out of an apartment in a low-lower middle class area and into a nice home in the suburbs by working her ass off as a nurse, so it's not like she was making bad financial decisions. It's also my fault for not getting a job the moment I was old enough to work, so that I could've helped her, but better late than never. The sad part is that this isn't first we got unlucky. She had a work related injury 13 years ago and that set us back, though not as much as her losing her job. Sometimes, people just get really unlucky and systems in place are either useless or barely help.

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>>34297128
I think this makes you the winner. congratulations.
https://rumble.com/v7658e2-narrative-shifting-atrocity-exhibition-no.2.html?e9s=src_v1_cbl%2Csrc_v1_ucp_f

>>34300442
>simply surviving
Such drama. I think that has much to do with it. All kinds of motherfuckers have minimum waged themselves to a better existence. I have more than my former coworkers who make the same money. I am so good at being poor. All it took was waking up and going to work and paying my bills before buying toys. I listened to financial people on the same radio any of them could listen to. Figured out how to save for assets that pay. Waay easier than being broke all the time.

>>34299283
Shoveling snow doesn't normally pay $30 an hour. That's the point. It also isn't any more complex or laborious than retail work. Even basic laborer positions, for those that are actually physically capable, pay like shit now. For those who are incapable of real, skilled work outside of a production line or mine, or for those that can't afford to get certifications, the jobs available to them will never be careers, and keeps them in a cycle of poverty. If it isn't their capacity to work, the certification, education and experience roadblocks lock them out of those paths. Nobody wants to pay to train and certify people anymore, those coveted positions are few and far between. Paid apprenticeships are rare and sparsely available. So, for a lot of people, even if they could do more skilled work, it's prohibitive for one reason or another. It's a market issue, because we're now not just competing amongst ourselves but with the world, and Americans are too sensitive to price increases to allow a real correction to take place.

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>>34297128
What the fuck is there to understand? Poor people may be poor by circumstance, but they stay poor because most of them are fucking retarded, like >>34297157 mentioned, they are animals, chasing fleeting hits of dopamine and pleasure rather than making a sacrifice for their long term benefit.

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>>34300666
>I have more than my former coworkers who make the same money. I am so good at being poor. All it took was waking up and going to work and paying my bills before buying toys. I listened to financial people on the same radio any of them could listen to. Figured out how to save for assets that pay. Waay easier than being broke all the time.
ya no shit if you have a job that's easy. i know how to live below my means. i know how to invest a third of what i make each paycheck split between vtsax and vsmax and vtiax to cover the bases. its not hard to know what you do when you have the job and are getting paid. it's in between when you have years of experience and they won't give you any job in your field at all, even with a pay cut, for month after month after month

you have to have a job to survive, and there's no guarantee, they have to give it to you instead of pradeep or bao, and you can just apply hundreds of times a month for years and not get anything

the real problem with being poor was never pissing away money when you're getting it, it's that they never actually have to give you a chance to earn money to begin with, and then when that gap of them not hiring you gets too big, they can just decide you NEVER get to do the thing you like and are good at again