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why is gen z like this?
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>>533264009
If 1200 bucks won't get you a house then spending it on something else is completely rational.
Similar reason why cocaine use is up — Real estate is so unaffordable that rent/mortgage Level money just doesn't mean anything anymore.
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>>533264009
>feels impossible
a 20% down payment on a new house takes over a decade of work at the average income for young people, and you better believe home prices will keep climbing while incomes stay stagnant over that decade to keep the boomers happy
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>>533264009
>not saving for a down payment = lost all hope for a future
>buying skincare and escapist vacations = trying to prolong the present.
They have no future so they are clinging to any happiness they can get right now. Can't blame the..
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here's your inheritance. one day this will all be yours.
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>>533264009
>What happens if I stop buying luxuries? Can I afford a house?
>No, that would still be beyond your reach
>And if I buy said luxuries, can I afford a house?
>No, that would still be beyond your reach
And then people wondered why they bought luxuries.
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>>533264923
I mean dying before giving the banker jew what he tried to scam you out of sounds based
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>>533265570
>why are americans like this?
Jews. They've totally obliviated people to the idea that the older generation should be passing down resources to the younger generation so that they don't have to pay the jew to start from ground zero.
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>>533264009
I will NOT believe stupid articles about zoomers since my own generation was subjected to fifty million of them.
But what the actual fuck is designer coffee?
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>>533264181
how to save up:
>get a fucking job, retard
>spend less than you earn
>put the money you haven't spent into a bank account or (optionally) put it into an investment of some kind that earns interest
>???
>money to afford the things you want
retard
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>>533265011
Porcelain and vintage glassware is worth a lot. If you are a subhuman scum willing to sell something your parents really liked and kept around for decades.
Your flag tells me you are that kind of subhuman scum.
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>>533265149
By “traveling” they mean “going somewhere where no one knows me so I can slut around without consequence.” Read any travel memoir by a woman. It’s basically just them hopping from one cock to another.
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>"buy" a house with a down payment
>house is still on mortgage
>Trump now celebrates 50 year mortgages as a possible accomplishment
>house forces you to stay in one area long term or you have to sell
>get laid off because of AI/downsizing/economic downturn after you buy the house
>have to move
They'd rather just rent.
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yawn, yet another Gen Z hate thread
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>>533264009
>no future
>buying a house
I'm not even going to work never mind buying a house.
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>>533265162
if it's not paid off then it's not your house.
so stop talking as though you own something when you don't.
and stop borrowing money and then complaining about not being able to afford things.
when you borrow money from the bank you're actually borrowing from the people who put their money into the bank. THE REST OF WORLD DOES NOT OWE YOU A LIVING, MOOCHER
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>>533264009
Is this really a thing? I mean, even the Simpsons made an episode about it. Zoomers have some Peter Pan syndrome or something. I'm 30yo unc and ever since I turned 18 I've been trying to make myself more wrinkly and old looking by drinking everyday and smoking like a chimney. But alas, I still get ID'd everytime I go to a supermarket.
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>housing is increasingly out of reach
I can somewhat sympathize, but I also understand that a lot of people waste money unnecessarily. Binge watching a few hours of Caleb Hammer will demonstrate this.
Also, the article implies its both men and women that do this, but those are things women primarily buy.
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>>533265953
>he thinks every dollar a bank lends is a dollar from another customer
you're so close to figuring it out
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>>533264228
>>533264234
She's putting baby foreskin on her face
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>>533264181
/thread
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>>533264923
you're right everyone should probably just give up and cut their dicks off you demoralizing faggot
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>>533265776
You cannot work for a few years and own anymore. Even if you had five different jobs and were ultra-frugal you still couldn't do it because you're chasing inflation, by the time you've saved up enough for the price of the house this year it's already gone up.
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>>533265850
trust me that stuff aint worth shit. go on ebay people have a hard time giving that shit away for free. oh wow i made a few hundred bucks after i spent all this time researching, listing, shipping, dealing with customer returns etc. Thanks mom!
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>>533264009
Fucker the president is trying to sell us on the idea of 50 year mortages. The average first time home buyer is 32. The average life expectancy is 75. They want us in permanent debt past our own deaths.
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>>533266090
>DUDE BRO, just like, save for 50 years living as a beggar hobo for a shotgun shack when statistically your ass would be dead and not able to raise a family on the burgerbux anyway
Everybody that's been outside these past few years knows that we've almost hit peak zoomer and white hatred there won't be this society 10 years from now probably by agenda 2030.
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>>533264009
Get a job you little brats.
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>>533264009
I'm a millenial myself and the gen Zs I know from either work or social circles never travel because they just don't have the money for it. I feel bad for them because they missed the last train of being able to afford (yet 20 times harder than my parents, and 100 times harder than my grand parents) real estate without receiving massive financial help from their family.
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The important thing is to recognize yourself as the victim of circumstances beyond your control, understand that nothing you can do can change anything for the better, give up, and be angry all the time and never stop being angry.
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>>533268174
>I loved how this attempt at countering the original meme ended up showing just how lifeless and pathetic wagies are
LMAO
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>>533268438
LOL
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>>533264009
You can still find affordable fixers in rural like the UP Michigan and many other rural areas and afford it on a Dollar General job. Zoomers are spoiled lazy brats though that can't fix shit or go without avocado toast and a $14 latte.
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>travel
thanks to (((globalism))) i don't need to travel very far to be surrounded by foreigners. just drive (or take a train) up to londonistan. boom, instant diversity, "culture" and "enrichment".
or go to brighton. or go to any town. or go to any village. or go to any hamlet.
know what my local little villages need? more "turkish" barbers/jeet "restaurants" (takeaways)/vape shops/kebab dumps/mosques. 10 of each isn't enough and the schoolgirls are only being raped 420 times a day. it simply isn't enough.
p.s. a covert stab vest only costs the price of a few nights at a decent hotel - a sound investment when "travelling" around your own ancestral homeland.
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>>533268663
The orange one that looks like Jeet poo, obviously
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>>533268803
the holocaust encyclopedia that stew peters (rumble) shills sometimes is fucking great, i got the hardback version and it's jam-packed with pure comedy. the claims are beyond insane and there are so, so many of them and it's over 500 pages.
absolutely nuts.
highly recommended.
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They're being smart. Saving forever to try and own a home when they keep moving the goalpost so you will never have enough makes you a sucker. You either opt out of the system (as many men are already doing) or you find some other way to enjoy your money
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Saving up for a down payment on a house used to take about 5 years and you'd have it paid off in another 10-15.
Saving up for a down payment on house now takes about 25+ years and Trump is openly hyping the idea of FIFTY YEAR MORTGAGES FUCK YOU OP NIGGER FAGGOT TONGUE MY ANUS
/thread
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>>533268491
Not really a thing. Old established businesses see it as a black mark on your resume if you are constantly changing jobs, and new businesses refuse to promote anybody because they expect you to change jobs ever 1-2 years. You either have to constantly change jobs, forever, and thus always have to move around which incurs expenses instead of saving money, or else you have to luck your way into an old, established company that is willing to actually invest in a new employee and retain them for decades.
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>>533268157
That's what they'd like but you don't have to. You just have to understand that laws are a box they draw around you. If you're dumb enough to be a faggot and stay inside that box then you truly are cattle and deserve to be treated as such. Even back in colonial days there were smugglers tunnels. The Kennedy family made their $ off running hooch during prohibition. If you're just going to Mister Shekelbergs job and paying taxes then you get what you deserve.
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>>533264009
>Millenial: Why can't I afford a home of my own?
>Pedophile zinost worshipper: Cuts wages, introducing hyperinflation, slashing welfare, increasing pressure
>Propaganda: It's the avocado toast!
>Half a generation later:
>Zoomer: Why can't I afford a home of my own?
>Pedophile zinost worshipper: Cuts wages, introducing hyperinflation, slashing welfare, increasing pressure
>Propaganda: It's the skincare and designer coffee!
I say, if you'd cease spending $30 for coffee each week, you could save $1440 each year. If you do this your entire life, you might pass on a down-payment of a wooden shack in bumfuck nowhere to your children that don't exist because the system made it impossible for you to actually have any.
But at least the pedophile billionaire class made a nice buck from you and Israel got a good share, so be proud of that
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>>533264009
"Gen Z" means foids. Foids are the vast majority of spending, as they are retarded and impulsive and all the high-paying jewish daycare jobs are reserved for them exclusively. This is a non-problem because the economy is fake and gay anyway, the solution to everything including stopping moronic articles is to kill all of the jews.
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>>533268304
THEN STOP VOTING FOR INFLATION, FUCKING IMBECILE
yes, you vote for inflation in every single fucking election and themln complain about it
>hurr durr no I didn't vote for inflation! :(
yes you do. Did you vote for a candidate that allowed inflation to increase? Then you fucking voted for it. Did you fail to vote for a candidate that promised to reduce or eliminate inflation? Then you fucking voted for it.
did you fail to demand that the candidates pay down the debt and cut the deficit? then you fucking voted for it.
DIPSHIT
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>>533274005
No, I will express my neet opinion and you will read it.
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>>533266090
I have been homeless.
I have lived out of my vehicle for years too.
I've been down to a couple bucks in my account.
I've been jobless.
I've worked for minimum wage for years and years.
and I KNOW that it IS possible.
if your expenses are too high then that is YOUR FUCKING FAULT. No excuses. No exceptions.
oh will you have to cut back on literally everything? Yes. Yes you will. You'll have to cut pretty much everything.
Will it fucking suck? Yes. A lot.
will it seem humiliating? Yes, but only if you're a narcissistic materialistic piece of shit who thinks money is the sum of a person's value.
But don't fucking tell me it's not possible.
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>>533265944
>>533274174
What's there to even be sadNEET about? You made the only winning move: not to play.
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>>533274335
>>533274221
> inb4 you spew some niggerGPT slop about curry monkeys and niggers supposedly having kids in their rat hole dwelling
Kys tranny
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>>533264009
Imagine not spending on yourself and looking HAGGARD in order to save up like a worker bee for a downpayment that a bureaucrat dictated has to be 200k for no reason.
Maybe they'd rather leave the country at some point in the future, when they can work remotely for example. Maybe this will happen just when most boomers retire and they will get what they deserve: A country of only old people, with all of the young people they abuse gone, and nothing to eat or live on.
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>>533264009
>Saving for a downpayment on an asset you'll never fully own that will demand an extreme amount of work just to keep up the appearance you own it
What's the point? No one wants to be a slave for no return. You might as well work the minimum amount possible and just enjoy the now because for a significant portion of the population it sure as shit feels like there is no future.
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>>533275389
>it sure as shit feels like there is no future.
The best indicator of trust in the future is birthrates, and France today, even with all the niggers and browns, has a birthrate that is so low it plunged to the numbers from WW2.
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>>533275947
I am pretty sure, despite the fact that, obviously, people want to have less children these days, if boomers and bureaucrats weren't such fucking vile filth, there would be more. Because there's young people out there who somehow actually want to have kids but they can't.
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>>533264009
boomer neighbours owned a house shared with boomer relatives. The latter died some 40 old nephew inherited the share of the relatives. Now he kicked out the boomer couple and forced them to search for a home. They are +80. This isn't the only case I know a couple more like that. Shits fucked something broke in European people this past decade and the younger generation don't value family and long term value anymore.
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>>533276330
its boomers who are vile, idiot
you say the younger generation is rotten because "muh coffee" and because of some anecdotal example
we can say boomers are inequivocally rotten because they are deliberately making homes expensive. this is a fact. homes are expensive because western governments cruelly mandate it that way, by not allowing construction of more homes. and they don't do this due to some weird sadism, but because boomers want it that way, and due to low birth rates, boomers are a big % of the population. that's why our societies are DONE FOR.
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>>533276478
>>you say the younger generation is rotten because "muh coffee" and because of some anecdotal example
I havent said that. I said that something broke and people have lost sight of what they should value giving rise to clown world. The people I talk about are decent human being the nephew in question is a piece of shit seeking to enrich himself. And who do you blame? The boomers.
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>>533264009
Why not? Considering how unaffordable traditional goals are, and the fact that society might collapse in just 2 more weeks, why not take what you can while you can get it? I'm doing the same in a different way.
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>>533277582
That being said, Germans show an unbelievably shitty, predatory attitude to their relatives and inheritance. I've heard a lot of stories about it. Some decades ago, some over the last years in the coffee maker temple at the office. It's always the same. The only real people living in modern day East Germany are Poles and Turks, the natives are inhuman monsters.
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>>533268086
>dead inside
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>>533265755
>Jews. They've totally obliviated people to the idea that the older generation should be passing down resources to the younger generation so that they don't have to pay the jew to start from ground zero.
it all started with what was pushed as "reverse mortgages" and popularizing the term "tapping the equity" of your home. Also demographics changes can render grandma's neighborhood UNLIVABLE. These three things interrupted the normal practice of handing wealth down in the family.
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>>533278547
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I've saved since I started working around 20.. Currently 37 and I've crunched the numbers and I should be able to afford a house somewhere around when I'm 76 years old if the prices stay as stagnant as they are now..
I don't blame gen Z for spending their cash of something fun, rather then saving for a future that we cannot reach.
Society is corrupt, fucked and controlled by the rich elite.
Maybe I should yolo and just spend what I've nested for almost two decades on myself as the world is about to fucking end anyway!
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>>533265755
except in certain limited circumstances, your home is not your single greatest investment the normal person is going to own. What many people fail to realize is that many homes have not gone up in value. The value of the dollars have gone down. An investment makes you income back. A house does not. Unless its a rental or a speculation, its not an investment. ALL of these ideas? Are kike inventions pushed by the media.
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>>533265769
>But what the actual fuck is designer coffee?
you go somewhere and you believe when they seller tells you, that its designed coffee. Same as designer jeans. If you believe the seller, you will pay more. Its no different.
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>>533265953
Buying a house = house costs 100k, you fork over 100k and live in said house. That's buying a house. When you take out a 30, 40, 50 year mortgage? You are in the end paying 2x or 3x (or more) what the house is worth. PLus when you finally "own" it? If you sell it you only get the purchase price back. You LOST 2x more than you spent. Its retarded.
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>>533264009
did you know if a loaf of bread costs 5 dollars, and a advocado costs 2 dollars
then it would only take me 57,124 slices of advocado toast to afford a house
Fuck boomers.
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Every generation has winners and losers. Some people adjust and make it happen, some don’t. If owning a home is the goal, your spending and priorities need to reflect that for a few years instead of treating it like a nice-to-have. There’s a reason people push for ownership, your payment actually builds equity instead of disappearing into rent, you lock in your housing cost instead of getting hit with increases every year, and over time you end up with an asset instead of starting from zero. It’s not easy, but it’s also not supposed to be.
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>>533268086
He literally looks like tired wagie wojak lmao
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>>533268524
>waaaah I can't figure out how to shop for groceries! this is everyone else's fault!
subhuman retard
this costs like thirty bucks at Walmart.
oh, and by the way, beer is optional. If you think beer isn't optional then you have tons of money and you're not struggling.
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>>533268086
>I became a wageslave and never questioned my Jew overlords all the while millions of browns came into the country illegally and we never pushed back and let them destory our childrens future
Wow that boomer sure showed us
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>>533264009
This isn't just zoomers, every age cohort of females engages in this behavior (increased spending on "little luxuries" like cosmetics) when a recession is imminent in a vain attempt to make themselves feel better despite increasing financial anxiety. Google the "lipstick index"
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A lot of you guys saying getting a mortgage is pointless but you only need a 10% deposit if you struggled a year to save a deposit, you would be paying into actually owning a house rather than paying some boomers mortgage with your rent. Around me with 25% down the mortgage is significantly cheaper than rent, there's expenses and interest yes but still cheaper than rent.
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>>533280113
That mindset guarantees you lose. There are always people who figure it out, even when conditions aren’t ideal. It comes down to tradeoffs and consistency over time. If everything has to be perfect before you start, you’re already behind.
Worst case, you can rent from someone who did figure it out.
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>>533280148
people will drive themselves insane with mortage, work, houeskeeping, children, cars, insurances, trips and overworking just to stay afloat, just to stay ontop of a ladder that can and will be pulled right under them. I cant imagine the constant pressure and stress in their lives just for a bit of normalcy in this weird world. Cant blame them but honestly, i dont envy them either.
>>533280226
T-Thank y-you.
*eats ze bugz and dies*
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>>533278625
Buying Crypto in 2016 was the correct advice.
Wagies however are earning $1.6k a month while they split a $2k a month closet with a roommate hoping that their codependent doesn't lose their job or start fent or some shit.
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>>533279896
we need to know the year of that advertisement, then we can determine these things. Also note that might be a kit home. Add land, foundation, etc. Then labor unless you can build it yourself. People used to build their own homes in many cases but that is a bygone era.
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>>533280113
this one will have two classes of winners.
The elite who jump ship from one failing empire to the growing one, and the citizenry who realize their game is fake and gay and money is worthless. Everyone else will die and they will not go down peacefully. Lots of kicking and screaming in their death throes, and lots of attempts to pull others down with them. Watch out for that when the economy collapses, even your own family might do you in for an extra ration.