Mortgage

>mortgage
>car payment
>car insurance
>student loans
>utilities
>health insurance
>misc expenses (sick kids, broke car)
>car maintenance and gas
>dental and eye doctor
>federal state and local taxes
>school expenses
>life insurance
>home owners insurance
>retirement fund
>rainy day fund

To do this you have to
>work 7 Days /week
>wear shitty clothes
>eat shitty food
>use shitty services
>forego anything fun
>drive a shitty car
>live in a shitty house
>do this for 50 years and raise kids this way

Where the FUCK do all these people get money to buy BMW’s and take vacations every year and wear Polo clothes and drink Starbucks? What the fuck.

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Mommy and daddy had money, that's literally it 99% of the time. Just sell drugs or something.

Working hard for things is a meme.

You have roughly described my life.. Except things like mortgages. Lol homeownership is like churning butter. It's something your grandma remembers, but it's pretty much gone forever ;-)

I think you just described the poor person for life meme. So to get out of this, spend less than you earn, and invest in resources in which you understand, whether its stocks in companies you know, or metals like silver or gold, crypto's,houses,cars,boats,planes..etc.
To get what you want needs 20 years of slavery 10 years of being a bitch. You want that?

No? then invest.

But you'll get an extra $1000 dollars next year for taxes!!!!!!!!!11111111111111111111

>making $43k a year after taxes
>living in a household of 7 working adults
>living in one (3bdr) and four cottages, sitting on five acres
>having a average combined household income of $271k a year
>having this family saving and pooling system for four decades and going
>having a family fund of eight figures
>still being frugal and not buying frivolous luxuries
>belonging to a family of brainlet, collegelet hicks, that either work in skilled labor or sales in firearms & ammo

>spend less than you earn

Impossible if you don't have enough for the bare minimum. What are you gonna do? Invest 10 cents every month?

It really is shit. I don't wanna live the next 70 years of my life like this, but I don't know how to break the conditioning.

>I'm a dumb nigger who doesn't understand investment

Don't blame the system cause you picked a worthless major in college, fag.

And people say NEETs are unreasonable for not falling for that shit

guess it should all be for free

sorry you spent all your money on sex change operations

lemme tack onto this
>property tax
>marriage tax(you gotta pay to get your marriage license renewed)

then after all that you gotta file your taxes with some complex tier shit that no one can understand and even Trump himself wants to reform so it can be filled out easier and be more understandable

Sell drugs on the side.

> If you don't have a side hustle you're not doing it right.

Even if you make millions always have a side hustle.

>go back to cuckistan aka lefty pol, normie fag.

pull yourself up by your bootstraps and fuckin get a better job, or another job. I bet you want gibbs you socialist.

news.bbc.co.uk/1/hi/technology/5167388.stm

and people called the 1950s situation of women being stay at home moms while men worked some economic partner ship all the while people like you have to huddle up 4 or more to live reasonably well off

I guess you could say I 'invested' in a bunch of stuff that is more expensive outright but cheaper in the long run. We don't go to movies, I spent 1500 bucks of surround sound and bought a nice TV a few years back and watch them at home. We don't eat out because it is mostly shit for what you pay anyways, so we make it at home and is 1000 times better than even most 5 star restaurants. I pay for almost everything with credit cards and leave no balance (a few do have balances, but never for more than a few months), and use the points to fund vacations. We went to San Francisco and Vegas for two weeks recently and only had to pay for 300 bucks in airfare, the rest was paid with credit card points (I'm an independent construction sales/project manager that travels for work and spends 20k+ out of pocket for expenses every year). Despite my wife and I making 200k+ per year, we live in modest 60k house. Long story short, our total bills with 2 new cars, house, insurance, gas, food, etc. is 3300 per month. We just cut out all the stuff that normally sucks all the money out of the average family budget.

>car payment
>shitty car
These two things should not coexist. You're doing something wrong.

>Where the FUCK do all these people get money to buy BMW’s and take vacations every year and wear Polo clothes and drink Starbucks
that starting salary for faggots at amazon is $70k. most people will never break 50k even as seniors in their line of work.

This is exactly how Mexicans do it. 18 of them live in a house and pool all the money. They rotate around the group until everyone has a truck and tools, and by the end of the year they either have a construction company or a Mexican restaurant.

Where as many white people think it's a good idea to kick their kid out at 18 or spend thousands sending them to a dorm / useless major.

That's how indian families get ahead here, they behave as families and help eachother.

Invest.
That 500 dollars you wasted on a Xbox one could be worth 15k in 15 years if you are smart

Pretty much. The average western family has lost touch with generational wealth

Work smart not hard.

We are basically rich. But we still live like this. Those nuclear family lifestyle was a sort of anomaly after WW2. With the Marshall Plan, America became Kangz if the world (economically speaking). Our 8 figure family fund is mostly for emergencies and acquiring property. We are good with our 1 big house and 4 cottages. Plenty of privacy. We've saved $$$ for 42+ years!!!!!!!!
It's a forgotten "art". A working family of 6 can probably pool $1million in a decade. But if everybody leaves the nest and goes on their own way, debt, rent/mortgage and trying to "make ends meet" awaits them. As I mentioned with above ↑, we've done this for four friggin decades.
Fuck the "shame"! Delayed gratification, muthafucka!!!!

>Where the FUCK do all these people get money
it's called credit you dumb fuck hardly any americans ever pay a car note they trade it in and get into another payment program.

my economics teacher once told me that banks wont lend teachers loans to buy houses.
but thankfully our state allows teachers to increase their pay by focusing harder and get a better college degree for the subject they teach at school.

>tfw no close knit family compound

I was never as happy again as I was through my 20's when I was broke unemployed and homeless.

Bullshit. All of ny teachers had great middle class families

>trying to divorce hard work from success
found the niggers

Make your own. Then you get to be the patriarch instead of one of many children. You'd be doing your children a huge favor by not forcing them out of the house at 18

Chicken broccoli and rice for the week costs nothing.
Grow up.

not here in georgia
you're either low middle class or below if you're just banking on being a teacher.

Gotta hope you land that job before one of those thirty other applicants get it
I learned those numbers from one of my other teachers who recently applied to the school and taught us how to apply to jobs. He was one among thirty applicants.

My economics teacher had to go back to college and increase his degree level in order to gets his pay. He had to do this before he can even get considered for a loan from the bank to buy a house.

Don't be an idiot. I have an uncle that illegal came here with pretty much nothing he worked hard and then started his own small business and now he's making more then 100k a year easy I wouldn't be suprised if he was already a millionaire.

>health insurance
>dental and eye doctor
>student loans
>life insurance
>retirement fund
>car insurance

Literally all taken care of by any professional job like mine at a bank.

>mortgage
>utilities
>home owners insurance
Should all be less than 20% of your income

>misc expenses (sick kids, broke car)
>rainy day fund
This is the only thing that should be messing with you

Keeping both of these at the same time if you are actually saving most of your income for retirement can be a balancing act.

But I only work 5 days a week and I get extra money from my job if I stay healthy.

Most teachers have their kids in private schools cause they know how SHIT public schools are. Bullshit they don't loan to teachers. Use your brains.

my economic teacher literally admitted this shit to us. he couldnt get a loan from the bank because of his salary.


we dont have many private schools in georgia.
Its all mostly public schools.

I at least had the foresight to know that college wasn't for me. It's not that I'm an idiot, but I just fucking hated it after a while and didn't feel as though graduating with 100k plus in debt was a good idea. I'm in the insurance restoration industry and wife is an insurance adjuster. It's pretty easy to make a shitload of money in either with no college degree. Wife took a temp job for an insurance carrier in Florida after Irma, made 1000 bucks a day and worked for 60 straight. During the winter, we do PA work on pipe burst/flood/ice dam claims for extra money (if we want to)

>Skip school, work trades
>buy used, dont fall for new car meme
>learn how to fix car yourself, parts are cheaper than labor
>Life insurence is a scam make smart choices with your money
>only debt you should have is a mortage
>buy within your means, live simple
>happines is a preception of your mind
>home school your kids

Hello pageet.

>lets make a soyboy neet compound

GAYYYYYYYYYY

>born to wealthy family
>Get 2013 BMW for graduation
>Get tons of pussy in University

Maybe try having a rich family I dunno lol

>being varg

Im sure his wife is getting plowed by other dudes when he is doing his uncle rico tier podcasts

STOP BEING POOR lmfao its just that easy senpai!

M car or some lease special faggot BMW?

>please Mr. Black bull, please fuck me in my ass

>misc expenses
kek. every time

wagecucks are slaves. they have to do mental gymnastics to bootlick themselves into being subservient to a slave life. they call it "work". I call "work" chopping wood. Not buying boss Orlando Rodriguez a boat.

you meme, but this is how you react to reality. if you are not born rich- you cannot become rich.

i hope its an i8 so i can laugh. if you show up to college with an m5 or something you would look like a total spoiled brat, but thotties don't care about that, they'll just compliment the interior when they go to suck your dick.

The Nuclear family is a socialist nightmare created by easy money. It is even more shocking considering that every generation before mine in my family was very large and then we reached a nuclear family. I'm aiming for 15 kids and have a woman who wants 5. Not a hard leap from 5 to 15

Most girls don't care about the M badge unless they notice their guy liking your car. My car has an RS badge. Bitches don't care. Guys do.

Almost certainly some lame ass 328 nonsense. He wouldn't have referred to his car as a BMW if it was an M3/M5/etc. He would have called it that.

that's because you were having sex

Stop responding with your cuck fantasies faggot.

so you're planning on having three wives?

your mormons are doing it

buy a single wide trailer amd a acre of land ina woods buy a decent truck eat better so your kids stop getting sick and your gtg

>not buying 4 tiny homes (at $10k a pop) and "connecting" them so it can be a faux 4-bdr house

selling drugs isn't as easy as you think bud

>buys tiny house instead of building one
>buys four and connects them

what the fuck

Just when was the Nuclear Family ever socialist? It anything, the 2.5 kids / 2 cars family image is the stereotype of US capitalism since the start f the cold war.

For a fast fix if your income is in the $40k+ range. You can live like kangz for a decade, so you save $ seven figures. That's if you want a family and can't live with family. Building one and getting approval/permits is a bitch.

>car payment
>car insurance
>student loans
>car maintenance and gas
>school expenses
>rainy day fund
MEMES.

> health insurance paid by the employer
> don't need a car cause city and country have superb public transportation systems
> got a free education
> retirement insurance paid by employer, same with unemployment insurance
This is why i don't actually take Sup Forums and /ptg/ memes seriously

I built one in my driveway with no permits and it took me about a year. Cost around 5k total. I live in Idaho tho, so that might be why I got away with it.

nepotism biatch

If you haven't noticed we've gone subatomic. The new normal isnsuch disconnection that you don't even desire a family, just an apartment that you can call your own. Anyone not having this is stigmatized and eventually outcast for not having their own little sitcom tier apartment life. They've essentially used media to meme us into ever spiraling downward.trends in home economic efficiency until we are all working 6x harder for the basics so that we can call them "our own". Meanwhile the ethnics take the lead from the Jews and do everything they can to reverse the trend and create parallel econimies designed to enrich their own.