Who has the better life?

Who has the better life?

Always live below your means

Neither. They are both materialist cucks.

>What's their respective income

The guy on the right, no contest.

that's a 2 million dollar house on the right how can he afford that with 0 debt wtf

It's the same guy, look at the photo.

best advice in life other than dont pee in the pool

This guy

Dis and a double wide in the woods.

This.
If the guy on the right is only saving so he can live like the guy on the left he is a cuck. Probably more of a cuck because he will have to wait until he is mod 40s with ED to enjoy himself.

Make a rural retard version.

>Canada

Why did he import a car from England? Thats probably why he is broke

Generally solid advice but only works well in areas that are mostly white. In areas with darker skinned people, living below your means involves living amongst those who will be violent towards you. It doesn't matter if you're not flashy with your wealth, after all, you're living below your means. They'll still happily crack open your skull for your Casio watch and generic Android cell phone.

Probably in the Midwest

The Amish

JUST

>2 million dollars
That shits like 300,000 where i live

I thought living in debt, paying for education and healthcare was the american national pastime?

underrated kek

Debnt free baby, the only way for a white man to live.

Actually nevermind checked pic again more like 150,000

thats about the exchange rate between leaf and burger bucks

Letting super rich foreigners buy up real estate was a mistake

>300k
That shit's like 140k where I live.

There is literally nothing wrong with peeing in the pool

fuck - now I got an another angle why certain people are so keen in importing "diversity"

why do you hurt me so

but that's the only pillar of our economy remaining.

Basically: "Don't want to get raped to death - why don't you take out this loan I offer?"

never take a loan for any reason

good rule of thumb in life.
Apparently this is a very american habit too over here you don't see it as much

Proof you have no idea how money works. All rich people have massive debts. it's how you get rich. Banks are your friend. the 1% wants you to stay broke so they make you think banks are the enemy. True capitalits know that you get rich when you make others rich around your network; Your network is your networth.

Yea i checked pic again, you could get that house way cheaper than 300k

Boy you saw that opportunity to bring race into it and you took it didn't you?

Neither, both worship Jew wielded demons, they will both succumb to death, their fates are sealed

it's is true that rich peopel use leveraged wealth - it is still not true that for an average joe an outrageous mortgage and new car on the lease is a great idea.
If you do not have good business idea or very desperate need then taking out loans remain stupid.

Let me guess, you never lived among niggers?

Houses are Jewish creations?

Higher education in America costs hundreds of thousands of dollars

Very much this.

the guy who owes the bank nothing has actual freedom.

He can leave the country tonight and go live in Italy if he wanted. The debt-cuck is stuck in his McMansion or else he goes to butt rape prison.

>fpbp

Just how happy will the man on the left be after the likely repo?

As soon as people know you have something, they want it.

>Yes goy, enslave yourself to the (((banks))), it's what all the rich people do! You want to be rich too, right goy? Debt to (((us))) is the way to do it!
Gas yourself my kike.

Why do american houses have so many different types of windows?

There is no correct answer, such is the human condition

There's always trade school. Doesn't pay AS well as STEM but you can still make 6 figures.

Wrong. You never want to have a negative net worth. Debt leveraging is only useful in business and investment, not for personal use. You want to save money for retirement, and paying interest your whole life constantly eats away at that. You want to leave as much money to your family as possible. New money soyboys and goodgoys blow cash on stupid shit like gold iPhones and parties that accrue no value.
T. Accountant
T. Old money

The banks.

>le jaded and significantly smarter European

FUCKING THIS.
>Be me
>live in Houston area
>maybe should think about a house
>only ones in livable areas are 200k min, otherwise it's niggerville
>that's a 40k down payment
>n-nevermind

They're all glass mate.

>types of windows?
What

>500,000 in the bank
oy vey goyim, where did you get that kind of money?

which house is farther from niggers?

Botan has the better life

Prove me wrong. I am sure to be impressed by your 80 000$ feminist degree.

Bitcoin

*Blocks your path*

I'm debt free. Own a 20 year old truck and a 40 year old trailer. Both in great shape. No debts whatsoever.

Feels really damn good.

If you don't have any legal experience then go with the right, otherwise it's all about getting loans, laundering the money and filing for bankruptcy.

200k is nothing though for a house, as long as property prices are increasing you can't really go wrong with property.

>current year
>watch

fuck off jew

you can buy things you need without going into crippling dept for all eternity for the benefit of Jewish banks

Fucking poland

>Debnt free baby, the only way for a white man to live.

No no no!
What about building equity?!
What about your credit score?!
0% api for the first 6 months is a deal!
It's like free money! wtf is wrong with you?
WHY WONT YOU BORROW FROM MEEEEE?!!!!

that timex has more functions than some shit rolex and it makes you look hip. right wins.

Yea property is usually a good investment, but the down-payment, plus interest on the loan plus property taxes makes it seem less than appealing

McMansions were a mistake.

the guy on left is stressed out wondering how he is going to come up with enough money to pay the payments he racked up else the bank will take everything. 5k in banks prob not enough for his mortgage .

The guy on right has no bills and fear of the banks repo'ing his things. Plus plenty of money yo invest or start a small business debt feee.

I studied (((Finance))) my possibly white European brother.
Also, my father paid for my education because he was responsible.
The dumb fucks that go into debt for meme degrees need to be gassed.

oy vey, goyim, don't you know that's a bubble? It could pop any day now!!!

Right, no doubt. Looks damn comfy too,

The best way to build wealth is to borrow within your means, especially property where prices are rising. Spending a bit of time an labour on a house and flipping it is one of the only ways to earn decent lump sums of money. Do that a few times and you will not have a mortgage,

Peeing in the pool is a good thing for markets you idiot

I am guy on right at 50 sw florida in sunshine...is nice

>as long as property prices are increasing
that's the real trick, isn't it

I can almost afford to buy a house outright but I am getting a better return from the stockmarket, so why would I take that and "invest" in something with comparably low return (houses don't actually produce anything, their only investment potential is that someone might think it's worth more than you thought it would be a few years down the track)?

Lel, they do keep saying that, since it hit 1k. If anything it's undervalued still. Gonna be fun a bun

Assuming cash doesn't get devalued like crazy which is not guaranteed, you always feel more secure living well below your means than above.

>houses don't actually produce anything
Except you know, you can lease one

Houses are only that expensive for city cucks. Rural and suburban patricians would never pay $2 million for a $200k house.

Happiness can exist independently of finances, that said...

>owe the bank 100,000: your problem
>owe the bank 10,000,000: their problem

buy house and rent it out, I have 3 I bought with cash and make 35k a year on 110k investment..bought in 2009 when market crashed in florida

>you can lease one
Like rent instead of buy a house? That's even more expensive and you get nothing for it

Guy 1. Money is not even paper anymore, just kilobytes. The entire financial industry is based on pretending there is value in paper and electrons unbacked by anything other than future promises of paper and electrons. You can live a millionaire lifestyle on 100k a year, just make sure you know how to declare bankruptcy and weasel your way out when the time comes. There's a nesting doll set of financial institutions eager and happy to eat the loss and spin it into a writeoff or derivative of some kind

>110k
>3 houses
Fuck you man

sure, but rental yields in some places here are as low as 2% of property values. that's less than the interest on the loan (~4%).

the one whose dad is rich so he can live like Drumph

Left, considering the guy with an ironic gold casio is clearly never having any sex

Like buy a home then rent it to somebody.

Property always returns more than any other investment vehicle in any ten year period, numbnuts. That's why people with money use real estate as their primary investment.

>their only investment potential is that someone might think it's worth more than you thought it would be a few years down the track)?

So the same as shares?

Property is good if you can get a few and have someone else paying that debt for the next 30 years while it doesn't cost you a cent and sits in the background. Then when retirement comes have passive $$$ rental or sell up.

people shouldn't buy shit they can't afford. honestly i dont think they SHOULD be able to buy things they can't afford. credit is a demon and has us all enslaved.

maybe in England, but in Australia the stock market has beaten real estate in almost every 10 year period

>So the same as shares?
my dividend yield from shares (company profits) is much higher than inflation. I'm not relying on capital gains to make money

You’re an idiot

Ah, well that's usually more expensive to get started on. Banks usually want to higher down payments on investment properties

Whichever lives farthest away from hoards of niggers is living the better life. Probably the guy on the left.

You can use shares and property as tax offsets as well.

I'm not debating the return rate, just correcting your statement that a house cant produce any fruit.

You'd have much less of a hassle just putting that money in the stock market and cycling between earnings. I've wanted to do real estate but there's just too much shit vs clicking buy and sell a few times a month