It's funny because I'm supposed to be an Europoor but my life standars is better than 99% of Americans lmfao.

I've never heard a single European complaining about debt. But you meet one of those Amerimutts that come to our continent for tourism or to teach English, and 5 minutes into the conversation they will start telling how how much in debt they are. BAFFLING.

>>62107169
>HCOL city
>$820 rent utilities included
and then your dad stopped molesting you and the out of body disassociation cope ended.

>>62107169
>>62107190
I'm American. Envious, ungrateful, whiny, bitchy Americans are an embarrassment. It's really not hard to live here at all. The problem is almost every retard that lives here thinks you should be able to afford a 2,300 sqft house on 1 acre of land, while having a new Toyota Camry in the driveway and enough in savings to go on 2 - 3 week-long vacations a year after putting 15% into an investment account, all on a McDonald's wage, or a basic-bitch corporate cubicle job, while only working 30 hours a week (yes, even 40 hours is too much work for Americans now).

Most people live WAY above their means. It's just a mixture of low-IQ combined with a set of personality traits that make them susceptible to short-term thinking and hedonism. Then they beg for free-gibs from the government while producing less material goods and services. It doesn't take a rocket scientist to figure out where this leads to.

I feel zero pity or sympathy for any of these people. Fuck them and their retarded choices.

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>>62107169
>>62107202
This, unless OP is renting a room or living with 4 other people it's pretty low for anywhere good

>>62107169
Dont worry, with Blormpfs dick too small to reach the Hormussy your inflation will increase since asians cant produce your plastic crap any longer.

>>62107169
you're a liar OP.

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>>62107329
It’s possible if you live in fucking Niggerville, MLK County. My friend (qt blonde white chick) got an internship in another city for 4 months. She decided, to save money, she’d get the cheapest studio apartment she could find.

She lived there for less than a month before a groid broke in, held her at gunpoint, and stole her TV. Surprisingly, he didn’t do anything else.

I love these
>I’m fiscally responsible
larping zoomers who are either living at home or living in a total shit hole that’s worse than Soviet-Era commieblocks.

All the shit that costs the most is the shit you need. Rent, food, gas, etc.

>>62107169
>flexing on the internet about paying for coffee
Grim.

I have met and in the same day, anally fucked some of those women anon. I didn't even know her name when I pulled out her butt plug, much less after.

I'm poorer than you by the way.

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>>62107317
>I'm American. Envious, ungrateful, whiny, bitchy Americans are an embarrassment. It's really not hard to live here at all. The problem is almost every retard that lives here thinks you should be able to afford a 2,300 sqft house on 1 acre of land, while having a new Toyota Camry in the driveway and enough in savings to go on 2 - 3 week-long vacations a year after putting 15% into an investment account, all on a McDonald's wage, or a basic-bitch corporate cubicle job, while only working 30 hours a week (yes, even 40 hours is too much work for Americans now).
This is how boomer’s lived btw.

>>62107202
>>62107329
I live in an efficiency studio that’s 120sqft and yes I have my own bathroom thanks for asking

>>62107401
>completely gloss over the Vietnam war and the draft risk for that guy
>every older person owns 10 acres of land and rents it out
do your parents have 10 acres of land they rent? did your grandparents?

>>62107503
only about 8% of men in the draft pool were ever drafted to fight in vietnam. only a fraction of those men were drafted to fight in combat jobs (infantry, artillery, etc.)

land was considerably cheaper 50 years ago.

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>>62107503
>Vietnam
Like 2% of boomer males went to Vietnam. The boomer generation ends in like 1964, so a lot of boomers came of age when Vietnam was winding down and missed it entirely.
>do your parents have 10 acres of land they rent?
Yes, once my grandparents died. They inherited it.
>did your grandparents?
Yes. See above.

>>62107518
>only about 8% of men in the draft pool were ever drafted to fight in vietnam
thats a huge percentage
>only 10% of guys in my high school went to fight in a 3rd world jungle

>land was considerably cheaper 50 years ago.
do your parents have 10 acres of land they rent? did your grandparents?

>>62107522
the green text literally says "dont have to fight in a war" lol. cmon.

>Yes, once my grandparents died. They inherited it.
so you guys are rich now?

>>62107503
>oh Uhh the draft!!!
you could be a conscientious objector and it wasn't heads on stakes like your boomer movies show you. nothing ever happens.

>>62107526
you're not understanding what draft pool means. my parents own 9 acres of land. they bought it in 1995.

>>62107544
>i cant admit the greentext is poorly written and forgot about the vietnam war
you do you

>>62107546
they rent the 9 acres like the green text?

also see >>62107554

>>62107565
they own 9 acres outright. this is agonizing, like letting someone with downs syndrome give directions. chop chop, dipshit, get to whatever low IQ point you're trying to form.

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>>62107536
>the green text literally says "dont have to fight in a war" lol. cmon.
Yeah, the vast majority of boomers never served in the military. In fact, they had like 50 straight years to go to war, and they said nah. But now that boomers are too old to serve, they’re perfectly fine with sending zoomers to fight the wars the boomers didn’t want to.
Like that hooknosed Rob Schneider. That 60 something faggot never served in Vietnam, Iraq, Afghanistan, Syria, etc, but now that he’s old as fuck, he wants zoomies to get blown to pieces by FPV drones on Kharg Island.

>Yes, once my grandparents died. They inherited it.
>so you guys are rich now?
My parents are rich. I don’t get shit from them cuz I’m a grown man, and I’ll never get an inheritance because boomers never die. My dad was talking about putting an elevator in his house. Boomers never run out of stupid toys to buy.

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>>62107575
Wrong pic.

>>62107169
> and whipping out my girthy 12k CL sapphire preferred card
this has to be a cc ad, no one cares about your gay cc faggot

>>62107463
My home office is bigger than any and I consider it small

>>62107169
>whipping out my girthy 12k CL sapphire preferred card
Is that supposed to be impressive?

Something doesn't add up here, your claimed 24 thousand a year is less than your self proclaimed expenses of 31.5 thousand a year.

My guess is you either suck 7.5 thousand dicks a year on the side and were too ashamed to admit it, or else your just lying

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>>62107169
>>62107463
>Showing off a credit card
Please tell me you don't only monthly minimums anon.

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>>62107937
He might have credit card debt and only pays the minimums. For his sake, I hope I'm wrong.

>>62107979
>>62107985
It's over for him, I didn't calculate right and didn't include his weekly coffees, he has 34,500 in expenses here

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Worst bait I've seen all year yet retards are falling for it

>>62107202
Your imagination is a reflection of your twisted mind

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>>62108004
Is it? There's a lot more people with credit card debt now. Many only think they need to pay the minimum amount.

>>62107169
It's really not that hard. I make about $25k a year. Have 800+ credit score, get free flights from credit card sign up bonuses and spend like 6 months out of year on vacation.

I don't know how people are doing it, I earn above minimum wage as a europoor and I couldn't afford to live by myself so never left my parents.
If I was to live alone, of my salary:
70% would be rent/mortgage.
20% on food and transport
30% on local taxes
40% on bills you can't avoid (electricity, water, gas, etc)
Yes, the basics would be way above my entire salary each month.
This would be to just live in a prison cell sized place and never have any entertainment or any microscopic fragment of joy in life.

>>62108014
Roommates
I only make $1500 a month when I was in grad school.

>>62107169
Hey buddy, you are poorfagging. Not a good look.

>>62108014
Living with your parents while working can be a powerful weapon. You should be using all that money you would waste on rent, on investing. If you do that, you will move ahead of the rest of the cattle and pretty fast.

Of course, if you use that money to buy anime figures or go and have beers with your friends, that is another question.

>>62108025
>This

>>62107169
These people always look so trashy. Always the same open-mouthed expression, the ugly trashy tattoos, the car that probably smells bad

>>62108006
suck my dick from the back, fag nigger

>>62107169

How the fuck do you only spend $300 a month on steak

>>62108081
It's a 1pbtid demoralization thread

>>62108081
Depends on the type. Ribeye is around 30 dollars, Sirloin is around 17 dollars, and sizzle steak is around 12 dollars.

>>62108103
I thought it was a credit card debt thread
>whipping out my girthy 12k CL sapphire preferred card

>>62107169
One way I save some money eating out with people while visiting a city is putting the bill on my card and having the others pay for the tax and tip in their splits.

>>62107387
>>larping zoomers who are either living at home or living in a total shit hole that’s worse than Soviet-Era commieblocks.
Yet they have enough money to pay for an expensive smartphone and data plan.

>>62108129
Debt, specifically credit card debt. Everybody (all age groups) want to look wealthy instead of having money to "keep up".

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>>62108025
>Don’t have friends or drink the occasional beer
>Live like an incel hermit in your 20s so you can be slightly more successful in your 40s (maybe)
>Do not develop your social skills even though all high-paying jobs require charisma and nepotism
>Escape the matrix
Yeah man, you got it all figured out. Don’t Google why fraternity bros earn more money over the course of their lifetime than the average college graduate.

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>>62108129
>Yet they have enough money to pay for an expensive smartphone and data plan.
It’s not 2012 anymore boomer. Unlimited talk/text/data is the basic plan, and you save maybe 5 dollars going for anything less. Also, most people are running around with 3 year old iPhones and only upgrade when they get the (((free upgrade))) that locks them into the plan they were gonna continue paying for anyways.

The iPhone hasn’t gotten better in 8 years. Nobody cares about upgrading unless they’re just ready to switch to USB-C.

>>62108666
Satanic digits

>>62108666
> Don’t Google why fraternity bros earn more money over the course of their lifetime than the average college graduate.
10% of Americans have 1m.
2.5% have 1m when you exclude a house.

>>62107202
I live in la jolla and i guess its considered a hcol city. Rent is $4k/month utilities are $200 electric is about $220

>>62107169
>newport 100
>mocha homosexual drink
You lost a game you didn’t even realize you were playing. Congrats

>>62108129
A smartphone and unlimited data is less than 1k a year, if you get a new phone every fucking year

Lead brained boomer.

>>62107317
Basically me although a lot of it is fueled by my wife and children. Some of it is that I’m a spoiled entitled little bitch too though. I have about 30k in credit card debt but I have 70k in crypto which used to be mid six figures so I’m hoping we get back somewhere close to that level before I sell to pay the credit cards off. Obviously it’s a huge gamble at this point and the lower we go the harder it is to continue holding.

>>62107317
>Americans expect to live like their parents/grandparents and are mad that the world’s greatest economy was stolen from them.
Seems pretty reasonable, actually

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>>62107190
Yeah well the Jews had to go somewhere after WWII. I guess it's only fair they brought their tikkun olam to flood the cities with violent criminals and usurious debts to the U.S. The U.S. is almost fully healed i.e. an Africanized warzone. It's a painful process, but Europe is coming along great.

>>62108025
>You should be using all that money you would waste on rent, on investing
his $600 a month will be transformed into $660 next year by investing in the SPY.
surely that will help him leave poverty

people in this board are so fucking stupid lmao

>>62110818
That's me, but its 50k debt and currently 25k crypto. I was in a way better ratio position before nov '24 when I went ALL IN on what was supposed to be the obvious bull run. And have held all the way down
Alt szn save me before I have to an hero
>inb4 wtf were you thinking
ex wife took me to the cleaners and I put it all on the line to escape the state sponsored pussy jail serfdom

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>>62110818
>$30k in credit card debt
>25%+ APR
>$70k in highly-volatile assets with no guaranteed return
>As opposed to a guranteed -25% return
>Doesn’t want to cash out
Behold the financial genius of /biz/.

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>>62107169

>>62107937
he lives off 24k. he didnt say he made 24k. dipshit.
he should make about 54k assuming he works 40 hours a week

>>62107169
Proudest and comfiest goyslave award

>>62107169
Andy Nowicki is the best carfag on Youtube.

>>62110498
>>62108694
You don't need a smart phone.

>>62107317
I have never had a sick day or paid vacation day in my life.

>>62107169
gay post

this is a spam thread

bunch of fucking garbage spam in here which belongs on another board
probably alot of glowies talking to themselves

>>62107401
the tiktok watermark really makes this

>>62107202
this. OP is and always will be a faggot

>>62107169
>>62107202
>OP vanishes from the thread
How bizarre.

>>62107169
would

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>>62110976
>The U.S. is almost fully healed i.e. an Africanized warzone
Whites have always had high KDR against non-whites. Combined that with the fact that 95% of the farms in the US are owned by whites, the urban problems are doomed to fail.

OP here, thanks to whoever revived my thread
>>62110818
Good luck family man
>>62111774
Correct bucko
>>62114448
>>62114452
Coping chimp alert
>>62114990
Nope, right here.

Rent is 820 and the rest is on the ole chase sapphire. So I can see exactly what I’m spending. Don’t go too crazy trying to hone in on any particular number for my coffee budget or cigs etc. the bottom line is I spend about 2k a month on everything incl. rent.

It’s a 120sqft “””efficiency””” studio that’s why the rent is so cheap in this HCOL city.

>>62119779
>Rent is 820
>It’s a 120sqft “””efficiency””” studio
WTF? I mortgage a 1,000sqft house for $1,100/month.

>>62119791
You probably live in Ohio or one of those “fucking nowhere places”

I live in a city where farting in wine glasses and whiffing it would seem normal

>>62119962
>I live in a city where farting in wine glasses and whiffing it would seem normal
Skill issue

>>62119962
>I live in a city where farting in wine glasses and whiffing it would seem normal
New Delhi?

>>62119967
>>62120037
Alright ALRIGHT fellas listen. Its seattle. Yes, that’s right. I’m rubbing shoulders with tech dorks from Microsoft AND google.

I bet some of them don’t even have a sapphire preferred

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>>62107169
>12k CL sapphire preferred card
Jeets think a 12k credit limit is alot. Nigga, I OWE that on just one of my cards.

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>>62120111
NO WAY WHAT
SHE REALLY IS A HE

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Saving and investing while living with the rents works. Im 34 and I’m damn nearly a millionaire and all I’ve done is be a zogbot and work gov or gov contractor jobs, but I have more liquid assets than friends who went into tech that inflated their COL

>>62111774
Well then clearly he doesn't live off 24k a year since his expenses alone are more than that. After taxes he's bringing in probably around 48k, and his margin of error for spending is super low. I highly doubt he's being real as a smoking habit would easily eat into any excess funds he has.

>>62119779
>120 sq ft
Ah I see, your memeing that you own nothing and are happy. Makes sense

>>62112085
Are you old and retarded? You can get a smartphone for like 300 bucks that will last 5 years. And jobs expect you to have them. Your bank uses apps, your job will use a app for timekeeping, you will get emails with paperwork to fill out before end of the day with a digital signature. It is a source of music vs cds dvds and a player, it gets rid of the maps on your car you used to have to buy, you don't need to buy a watch, etc.... literally for 300 bucks. For a device that your will be paying the bulk of the monthly for just a basic phone. Unlimited for me is 35$/month. 3 gigs was like 25$ which is the plan i would use if i had a flip phone. Ffs you can get a free smartphone if you are on ebt. If people took your advice, they would probably end up with shitty assets and the inability to be hired anywhere but starbucks or under the table garbage.

>>62120406
> Your bank uses apps
Banks do have apps, but you can still do all your banking on a computer.
> your job will use a app for timekeeping, you will get emails with paperwork to fill out before end of the day with a digital signature.
Not my problem. I don't work a wagie job.
> It is a source of music vs cds dvds and a player
Why pay subscription fees for music when I can load up an old iPod with all the music I want and can listen to it all without an internet connection
> it gets rid of the maps on your car you used to have to buy
GPS devices for cars exist. They're often more accurate and lower cost.
> you don't need to buy a watch
Watches are based. Only Zoomers and thirdies think otherwise.
> If people took your advice, they would probably end up with shitty assets and the inability to be hired anywhere but starbucks or under the table garbage.
Ramblings of an illiterate, brain-dead Zoomer who can't imagine life without eight hours of daily screen time on his phone.

>>62107387
Fucking LARP
I literally live right off MLK way in Seattle and one bed studios start at like $1200 a month. I live in a 2 bedroom that costs me $1900/month before utilities
Either you and OP are bullshitting or you have no conception of what a HCOL city really is

>>62121080
he's LARPing. you can't even get a studio in a nigger shithole like camden, nj for under $1k a month.