Why are blacks so bad with money

Why are blacks so bad with money

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m.youtube.com/watch?v=LyOlDSI2LK0
youtube.com/watch?v=E7SfrQCOlns
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People who don't work don't understand the value of money

Do niggers even use belts?

>the value of money
>Nat-Soc flag
You're doing something wrong kiddo.

Just switch to your Amer-Capitalist flag.

He looks dope af, would drink with him

This.

They are subhumans that seek instant gratification.

/thread

I wish I were black :(

dat nigga bad & boujee

They're dumb, but you already knew that. They typically don't have plans for the future. They're incredibly short-sighted.

>this nig at work
>has diabetes out the ass
>skinny legs and arms with a massive gut
>drinks daily

Another one
>smarter big
>he's married with a big family
>they make over 100k a year
>still rents even though he has good credit

Another one
>nig comes from good family
>still wants to sell drugs
>is looking for an apartment instead of saving for a house

this

I will add that most young people are shortshortsighted. A lot of Anons even rent. There's no fucking point if you live in America. Stay with your parents until you marry. Save and go buy a house.

m.youtube.com/watch?v=LyOlDSI2LK0

public school is the reason.

They're not sure what belts are for but they know they want them.

first thing that comes to mind is that he's trying to resell them to and profit of his investment... after all that's how drugs sales work

same with guns

Fucking wogs. They're not even nice belts. They're going to look even worse on his baggy jeans hanging around his ankles.

houses are a scam you autist

>The goyim don't understand the value of money
ftfy

Literally nothing wrong here.
It's exactly what I'd have been doing in that situation.

You're a retard. What's the point in throwing money away your entire life to live in the same place. So many Anons say buying a house is bad but they never put fourth any good argument. Basic maintenance ain't an argument either.

Black culture teaches that a pair of Jordans and some gold demonstrate wealth rather than an IRA or stock portfolio.

Lack of abstract though makes them bad at math and conceptualizing the future

>t. eternal millennial

G U C C I
U
C
C
I

never had any and never had anyone show them how, niggers really embraced the materialism of America further proof of low IQ's

The housing market underperforms every conceivable investment of your money, mostly due to the fact that its constantly over inflated by foreign investors who want desperately want American securities.
If you buy a house you are a globalist tool, smart people rent and invest the savings.

No role models w/$
No experience with $
No conceptual understanding of how $ works
Unreal & ridiculous expectations of how to display power and wealth
Inability to map out future situations or goals, therefore spend on stupid shit (read:nigger-rich)
No business acumen or capacity to understand such
No self control
Niggers gonna nig
Etc..

Black people have genetically impaired long-term thinking.

>This man

This is why they're so often called "youths." You've got to earn being called a man.

No long term planning

He pawned them as soon as he was done taking photos and bought weed and malt liquor most likely.

They don't want to own their house since they aren't capable of looking after the property.

They don't want to own the house where the dog they never walk piss on the floor. Or the house their 50 kids draw on the wall. Or where they put our cigarettes on the wallpaper.

>get a 100k home loan
>4% interest rate
>30 years later
>total paid: $172k dollars
>70% in interest
>not a scam

You must be retarded.
Fixed mortgage means you pay less and less over time whereas rent costs just increase over time.

You're an idiot. Shelter is a great investment. You don't have to resell every investment. A family member of mine died and now I'm getting the home. They're helping me survive thus helping their bloodline even after death. Or we could have sold it and get the money thus helping their bloodline in death. Shelter is a necessity and why pay rent when a home payment is normally cheaper or the same price as rent. You're shortsighted. Money isn't everything.

why are you taking so damn long to pay off a 100k home?

Fucking retard walking

At least buy land you retard.

Rarely I say something like this, but whites are shitty with money too.

I know of people who make over a 100K a year, but if you saw them and their homes and their problems, you'd think they were welfare queens. People gamble and overpay for things all the time. Most people are fucking stupid.

This is endemic to all niggers not just the American negro.

Because they're niggers

youtube.com/watch?v=E7SfrQCOlns

>>still rents even though he has good credit
flag makes sense enjoy ur dednts

money is literally everything, enjoy your handout nigger

No, it's smarter to be at the mercy of some random landlord, don't you know? Plus once can reap all the benefits of surprise new neighbors every other month, plus living with others so near enhances the *diversity of the home.

*loud nigger music

chek'd

*one

Buy a home or at least a condominium, people.

you gotta spend money before (((they))) steal it

t. finanically illiterate poorfag

negro, that was just an example. the numbers dont get smaller with a bigger loan. use your head user.

Niggers have low IQ.

>implying landlords have any legal recourse

Staying with your parents is a good way to not get married, or laid.

Have fun wanking in mom's basement.

European brands are a conspiracy to steal money from dark skinned people.
Oil sand arab have billions of dollars? OH LOOK HERE ARE SOME $1 million - 4 MILLION DOLLAR CARS
Nig rapper gets some money? OH LOOK HERE ARE SOME $5000 BAGS AND $90,000 WATCHES

Ferrari? Gucci? Porche? LV? Its all a scam to put money back in the white mans hands.

It's part of their culture. They all want to look wealthy without actually being wealthy and are always talking about "gettin dat green".

Notice they put a very high value on nice clothes, shoes and a nice car. Something I've noticed is when you drive through the ghetto you'll always see brand new cars parked out in front of shitty houses that are worth less than the car.

Then you can drive around in the upper middle class areas and you'll see modest vehicles parked in front of very nice houses.

For them everything is about appearances. Hence why famous rappers spend a huge chunk of their fortune on expensive jewelry, vehicles, and clothes. And in their culture it's what is expected out of them.

Note the belt around his neck.

He's going to sue Gucci next for causing him to choke to death.

It's so he can show off to all his friends. Pic related explains it better than I ever could.

You can pay the loan back quicker than is required you know that right?

>why famous rappers spend a huge chunk of their fortune on expensive jewelry, vehicles, and clothes.

No they don't.

They get all that for free (except for the vehicles)
In fact they are payed to wear certain brands of clothes and jewelry.

Low impulse control is a common trait of those with low IQ.

Most rent is equal to home payments. In 15-30 years it will be paid off. No more home payments then. You'd still be paying rent. You're a dumbass. My investment will paid off and still serving its purpose. You'll still be paying rent.

High time preference, impulsive, little regard for future and consequences of present action

Gucci should put out a line of gold plated slave collars

What do you think they hit their kids with?

Just Google "Rappers that spent all their money". There are plenty. I'm sure they get some stuff for free but there's no way they live their type of lifestyles on all free stuff.

There's rich people, poor people and then poor people with money.
Some smart poor people with money end up as rich people, but most, just end up poor again.
But yeah, why are they so bad with money? One reason is because there is no black upper class for them to become a part of and to mentor them in how to rise on the socioeconmic scale.
When Blacks reach the upperclass, they become de facto white in the eyes of the Urban dwellers whom reject them as role models and instead choose role models such as gangsta rappers who are still "black" in their eyes and rich.

It's hard to appreciate what you didn't earn.

Except those cars and watches increase in value every year, if you have the money you might as well buy them as you'll double your money in 10 years time, at least on the limited edition ones

At least he wants to keep his pants up.

as always fpbp

Niggers are subhuman and closer to animals then man

A job application

Empty 40oz bottles?

Can we please talk about that nose

rent is no where near the cost of owning a home no matter where you are. Underage confirmed.

Natural selection. Farmers understand investment. Hunter gathers not so much.

I think American nigger stock came straight out of the jungle.

people with no ability to think about the future dont understand the value of money
niggers lack abstract thinking

You're crazy. I rented once for a year when I was 18. The rent was $425 for a shirty two bedroom apartment. The complex had no benefits. No pool, no exercise room, no laundrymat. Now I work with a guy who rents there. The rent is now $500 a month. It hasn't got better. I'm about to own a three bedroom home in a safe neighborhood for $580 a month including escrow. It needs some work, but I can do basic things. Since I'm not a retard, I'm going to pay more than the minimum. The interest rates are lowish right now and fixed. You're a dumbass. I'll own that home in 20 years. 30 years max. You'll still be paying rent and not own anything. If I die, my family can either live in my property for free or they can sell it. It's an investment in my family. You're a dumbass who's getting JEWED.

>They're incredibly short-sighted.

True.

>mfw not even working plebs understand the value of money
>mfw you believe $ = money
>mfw they divide and rule and fags like you play along
>mfw humanity deserves to be the cattle of the elits

Their low IQs makes them being the easiest target for corporativism and jewish tricks, hence why they are used as bullets to create diversity in Europe.

>It's an investment
It will be repossessed to pay for your medical bills