Is there a more accurate meme about being an adult? Since moving on my own life is just 1 big financial worry

Is there a more accurate meme about being an adult? Since moving on my own life is just 1 big financial worry

>tfw not sure if I can afford to eat everyday
>tfw always broke right after paying bills

Other urls found in this thread:

youtube.com/watch?v=pSDF8VvU13M
studentaid.ed.gov/sa/fafsa/next-steps/receive-aid#how
en.wikipedia.org/wiki/R/K_selection_theory
twitter.com/SFWRedditGifs

bretty much

How is it so hard to live within your means? My living expenses are about $550/mo for rent, bills, gas, and groceries.
How can you be broke and not retarded?

Only if you are bad with money. Most people save their money and don't buy stupid shit. People also work more or get a better job if they need more money. The key to successful money management is keeping your liabilities to creditors low. Big mistake people make is buying cars and houses they can't afford because of muh status.

It is if you're poor and trying to live above your means with shit you don't need. If you're young home should be a place to sleep that has a roof over it, a place to have sex if you so desire, and a place to cook occasionally. Everything else is superfluous.

> spending money you don't have
BEST GOY

LIterally stop spending money and learn how to budget you fucking idiot

B..b.but I get my Ultra Good Goy Award Points™

>$550/mo
Damn bruh where do you live? Rural area of a fly-over state?

MAN THE FUCK UP PUSSY, JUST WORK 20 HOURS A DAY THEN, BACK IN MY DAY I SUPPORTED MY FAMILY AND 3 OTHER FAMILIES OF MY BUDDIES CUZ THEY DIED IN 'NAM, BLESS CAPITALISM AND BLESS ISRAEL, FUCK YOU COMMIE!!!

My rent is 975 and bills combined come to 350 and I make 1600 working full time and food here is expensive as fuck which leaves me like no money for myself, my shoes have holes in them for fuck sakes

man that guy sounds pathetic

>got promoted to full time at work
>opened up first 401k, savings account
>Saving money to go back to school to get certs to get a better job

Feels good man

You must live in the middle of fucking nowhere in a 1 room house that has no plumbing with the toilet 40 feet away in an outhouse and use your neighbor's hose to take a shower.

I live in a third world country and Im able to maintain myself and save money.

Are americans retarded or just brainwashed to waste money?

Sounds like you just kind of moved out without a solid plan for properly determining your budget beforehand, which is the biggest mistake you could possibly make. Why would you move somewhere where rent alone is about 2/3 of your income?

Stop eating fast food.

You are aware that the '10% on treats' is the thing fucking you right?

If you're just squeeking by and a hundred bucks could make or break you then saving it or working 10% harder for another hundred is infinitely better than spending it frivolously. Every month if you were ahead of your payments by 10% and saved it then by the end of the year you would have a rainy day fund

>$550/mo
Where the fuck do you work?

I work for a wage slave company and still make over double that a month.

>My living expenses are about $550/mo for rent, bills, gas, and groceries.

Where do you live? What ZIP? Because I live in Chimpcinnati's metro and before I picked up a Jew deal on a house, I was living very modestly in a one bedroom and my fucking RENT in Cinci was $550.

Pretty similar prices all over here unless you're willing to house share a dubious building or live with iron bars on your windows, surrounded by feral niggers.

So where the fuck do you live with 550 total?!

That's not being an adult, that's being financially irresponsible while having a low earning potential. Only some adults do that but more than you'd expect.

I'll be at $800 a month once I pay the rest of my student loans, should be in the next year. I'll be saving $1000 per month, $12,000 per year.

Adulthood is 50% hard work 40% preparation and 10% relaxation
This man is a nigger

Are you stupid?

This guy sounds like a train wreck. When I was poor af I never stressed about money. I had none nothing to stress about, just kept looking for better work and here I am, not poor.
What do you think (((they))) want?

Sounds like the corporate Jew has you by the balls

Lol wtf. I'm learning about 1k EUR more than I spend every month

As a consultant my biggest issue is having time to actually spend money... So I just end up saving it

>Spending money you don't have.

Why? Why do people do this?

hahahahaha serves you right white bastards, me on the other hand, I go to college out of pocket and have a 2 million dollar trust fund

My household income is $110k a year and we only spend $65k. That includes house payments part of which is principle gains. Living easy.

You spend almost $400/mo on food? Between your bills and food I feel like there's room for you to cut back.

Because I was 27 and couldn't live at my parents like a child anymore. I had 1000 dollars saved up when I moved

Nice reading comprehension

I worry about whether I should contribute my disposable income to my IRA or my HSA

Be thankful that you're alive at the birth of this new norm. You have no idea how bad it is going to get.

Just about yeah food here is very expensive

Money ain't shit. live simple. Supporting a family of 3 on 30k a year no problems. Shop at thrift stores and don't waste money on bullshit.

It can't get worse I'm always broke

I'd be rolling in money if I made 30k a year

I mean you can only manage what you can manage, I moved back with the folks when I was 24 because I was stuck in a monetary slump, best decision I ever made because now I can finish school. That year could have been the difference between being less stressed and finding a decent job without having to worry about monetary issues.

How often do you eat out/eat prepared food vs. time spent cooking? Unless you live in Alaska or something I can't fathom spending that much on raw ingredients per month.

Maybe we should spend money on high-quality housing/transport everywhere in our countries rather than gibs to Africa and people who can't tie their own shoelaces without government supervision 24/7. That way people could afford to live anywhere they want and businesses could operate where they want. Then wealth won't be so concentrated in cities like London and New York and all Westerners can share in the prosperity we're supposed to have.

protips
>stop doing drugs - hardmode: stop drinking coffee aswell
>stop buying video games
>cancel netflix, spotify or similar services
>stop buying fast food, candies and snacks
>NEVER eat out
>downgrade to a dumbphone OR get the cheapest phone service available (cant cost more than $10 a month)
>buy second hand clothes
>cancel gym membership - do calisthenics or go to public outdoor gyms

I am not at all financially well off since I am student but I get by through FRUGAL living. Look that word up you FUCKING degenerates.

Schools not an option I'm not smart enough to go to college or get a "real job"

No. I save what i earn. Children spend their money like that

I think this song is relevant for you
youtube.com/watch?v=pSDF8VvU13M

what are those 350 in bills?
why cant you find any cheaper than 975 in rent. that sounds expensive.
you can buy tons of rice and chicken for cheap. buy in bulk

I never eat out I only buy food from the grocery store, I haven't even ate fast food since I moved out because it's too expensive

13 year old detected

the latter. Also people spend their money on decadent shit like the "avocado toast" for example, not to mention many of these retards are already thousands in debt because they went to an expensive uni. I went to community college for 2 years, then will be commuting for the next two (finishing next year). I'm able to work so I should graduate debt free. I paid about 2k a semester per class at community college, I pay around 8k a semester now which should result in only about 16k in debt + what I've already paid because I have a job too. Most people go to these scam colleges where they ahve to pay for housing and food catered through the school for like 25k a semester. Plus I bet shit in your country is cheaper in general because our companies know they can rip retards off selling the same product with a different name pic related

Most places rent is expensive unless you do roommates. I'm rich now but when I was poor it was kind of fun having roommates, great way to meet people and expand your social circle.

can you get (chill)loan and stipend for studying or something? take some courses so you get it, i bet Canada has some socialism stuff

> debt
Ahahahaha

I don't worry about money. I make a lower middle class salary. I have a 401k and I'm about to pay off my car and then open an IRA. I can't afford fancy things but all of my needs are taken care of and fancy things have never made me happy. My hobbies (vidya, growing my own food, reading, shooting) aren't expensive.

The key is to not live beyond your means. Have a budget and stick to it. It isn't hard to do, tards just have no impulse control and that's why they end up 100k in debt to Mordy Shekelstein

>only "treat" I bought myself this week was a Bluetooth OBD-II tool for $23 from Amazon
>it's something I can actually get productive use out of and see a return on my investment for
mmmmmmmmmmmmmmmmmmwhat

We're heading towards brazilian favelas senpai

yes it can get worse

they give them here. Niggers get excited like it's the first of the month and they're getting their future ebt because they can buy new Js or rims. Niggers always saying shit like "shiieeet mane when dat financial aid finna come through I need new rims for my impala"

Im paying back two college loans, my car insurance is fucking insane, and Im still living comfortably on $1600/mo

studentaid.ed.gov/sa/fafsa/next-steps/receive-aid#how
This is what they get

You'll make a lot of excuses in your life

I wish shit in my country was cheaper, right now I have family in NY and already ordered a lot of things, mainly from amazon and a electronic store in the area they are staying.

This isnt just for electronics, food is also cheaper in the USA compared to Buenos Aires, we arent in the 90s anymore.

No I'm wealthy and 32. This meme doesn't apply to me and a lot of my friends who are the same age. Grow up tendie munchers.

>not sure if I can afford to eat everyday
good. fasting is good for you.

I have no debt

if that is the case, then you are suppose to be poor and have holes in your shoes. thats how stupid people look like.

Good that way other people can experience what I feel on a daily basis

You're not an adult if you can't take care of yourself.

When I moved out, I rented a room in a dump for 475/month and worked my ass off. Saved about 50k in a year and a half. Live within your means... Also buy your groceries from walmart, you'll save a shit tonne of money. Literally the cheapest and best quality groceries anywhere.

Kind if impossible when they don't pay good enough wages in canada

I make 18k a year there is no saving up 50k unless I don't spend a cent for 3 years

$100/week for food is pretty standard in the US, if you're not eating ramen every meal desu.

Get a trade dude.

>unironically letting your wife work

>not just buckling down and having multiple part time jobs as unskilled NEET

This is why you're broke

>tfw when you own your house and car and have 100k in the bank and still always worry about money

Dad feels

Yeah supporting your wife and her son

We can't all suck Muslim cock for entertainment Sven

How about you get a job fucking parasite. Those people in Africa get the money because people who pay taxes would rather give it to them than your entitled, fat, lazy, smelly, crusty, worthless ass

Learn a skill and charge decent wages then, manchild.

Dude get the torque app it's pretty good desu

>protips
Your protips are to live like an absolute subhuman

rent 975 u dumb nigger stop living downtown fuckin moron

Not really, I can survive quite comfortbaly on ~£10k ($12.5k)

You just watch your women suck black cock

I don't you idiot I live in a shit neighborhood

I got the "free" version right now but I'm willing to drop $5 to pay for the full app once my dongler comes in the mail
>tfw looking forward to scanning my Golf with a $17 dongle instead of paying $300 for a (((VW official))) codetool

r-selected

k-selected

en.wikipedia.org/wiki/R/K_selection_theory

ah okay interesting. I was reading an Eastern Euros post a few days back that claimed that prices were like that, I guess I shouldn't have assumed the same for SA. But yeah if people weren't complete retards about their money they could be wealthy in the US. I drive an old 2006 Honda Civic i paid straight cash for in high school, so no car payments. By the time the thing is unusable I should be about 25 at least, im 21 now and by then I should have the income to get a better car. I have many friends who will go buy whatever they can make the car payments on not what they can afford so they're driving new 2014 Impalas or something like that. They just go into more and more debt with no regard for how these decisions will affect their futures.

then you should buy this

Nice memes

Humans are always K-selected, dumbass. We don't pump out litters of kids in hopes one survives (except maybe Africa).

>Living a pointless frugality to save up money that wouldn't even a downpaynment for a cuckshed-sized house

Are you LARPing or just an idiot, have you checked global inflation rates lately?

Amerisharts will never understand frugality, their souls are so empty they need to fill the void with (((lifestyle)))

Dude, I spend 550 USD on living in Poland, wtf.

k-selected

>debunked broscience

back to Roosh V with your bullshit

OK Tyrone, time to stop projecting your problems on strangers on an anime website sweetie. Go back to bed now.

but probably has some r-genes due to aggressiveness

over-aggressiveness is what helps r-selected animals keep away from predators, hence why they are aggressive, while k-selected are predators who are calm cool and collected (they need to be while hunting)

If you compare us to ants, yes. But then you're a fucking idiot. If you compare people with people then no.

debunked bro science is not an argument

slavs are r-selected though, hence communism

let me guess, you:
>always spends 100% of your paycheck every time
>almost never think about the future
?