#community
1 messages · Page 313 of 1
im not trying to become a billionaire here
but at this rate.. i probably wont have to grind hard when im an old man at least
even if i open the roth ira late
like.. i think wanting a house etc is overrated
EVERYONE wants a house these days
bro .. why lol
even 100,000 put to the side JUST FOR RENT.. do you know how much that is? even around nyc/north jersey
for a house thats nothing.. but for rent? i can live and just work and continue saving
I ain't reading allat

Who do you think will have more by 65, a 20 year old who put $1000 in an account and then $400 a month until 65. Or a 46 year old who put $100,000 AND $1600 a month until 65
obviously the younger person
but im not pursuing that
like i said i dont need to be a multi millionaire it looks
The Roth ira is the first account anyone should make
What is the point of it then
mebe ill make one SOON then
Taxes are half the battle
Who the heck gets 8% though
If you don't structure taxes right you're fucked
just to have enough for myself for rent
hi
as long as i have enough rent money for a few years
I only get 4.25%
Just get a job then 
have you ever seen a person going to the gym for the past 12 years fight with someone with a huge ego
I just saw it, was fun
thats what im doing NOW
Not a savings account, investing stuff
oh
Also how do you have a savings account giving you over 4% Holy shit
You'd need $100,000 to get that here
Australian dollars though
wtf why do you need money for interest rates?
4% is 4%...
well, yeah

If you don't have a shit ton of money in the savings account you don't get good interest
4% but my pay isn’t as good as the jobs in the US
"the rich get richer"
hmm
I just applied for a bank account and they gave me 4% or something 😭
I think 4.5% is the max?
I’m not too sure
everest not visible 
I don’t Everest
I found a gem here, 3.1% with only a $5,000 minimum. It almost sounds too good to be true.
Most savings accounts here give you 0.001% until you put in over $10,000 and when you hit that it becomes like 1.3% or some meek shit like that
I have 10k in savings but like I’ve spent around $8000…
I try to add like $800 a month into my savings though
id rather just have my money work for me.. its so exciting and i feel like im part of the country now

$400 minimum
like.. i want one of those shirts with the american flag on it now
i hvae money invested in this country
how cool is that?
My savings interest kinda pays off my subscriptions icl
no like the mountain
Hi
You aren't apart of the country all you're doing is funding billionaires who thrive on slave labor
lmao
So am I but I am honest about it
I don't ever rest, get it?
i feel like im part of the group now
The eating babies group
welcome to the savings club.
you eat babies!
like.. if all the old people will be like "ohh no.. the stock market crash is here" like.. ill be able to relate at least
He's not saving
lmaoo
Saving accounts are useless here
Start saving
saving is icky
How much % do you guys get
oo
i give my money to the stock market
Shit
2%?
I wish
IF i was to save... id rather just buy cell phone sized gold bricks
The lottery
no me
@restive plank
stock market is way easier than trying to win the lottory
What the fuck 😭
Because it's just fraud
I had 0 money and I started with 4% or like 4.25
There are two markets lottery and fraud
You must have high ass interest rates in Australia
not really
That’s insane
4% is the average…
whenever you open a bank account iirc
for example the spacex ipo might actually be dangerous to invest in
Idk what that is, are you talking about loans?
or
Huh?
but anthropic and openai might get me millions
If your bank is offering 4% savings accounts then your mortgages must start at 9%
I skipped money yields during maths
I’d have to ask my dad
If you don’t have 700+ you getting 24% interest rates
he’s had the house for like $630k for about 10 years now and it still isn’t paid off
I'd rather be homeless than get a mortgage with a double digit interest rate lmao
Idk if that’s normal
bro mortgage is a trap
Average mortgage is 30 years
idk why everyone wants that
what the fuck
How is it a trap, where are you gonna live?
Government can still take your home
just get a condo or rent and build portfolio
I’d rather sell my house when the housing crisis keeps exploding
Well, yea. It's even worse now that houses are overpriced as fuck
and then live somewhere small
It was a lot more stable back then
all i need is some cheap studio.. and invest everything etse
wtf do i need a 8000 mortgage vs a 1200 rent for?
Fuck that landlords suck
Yeah the house is now worth like 3x its price in the span of 8-10 years
bro.. 8000 vs 1200 lmao

plus.. landscaping etc
With how bad the US dollar is we all are losing our money be like Germany after ww2
Hopefully it's a bubble so I can afford a house
No way, I’d absolutely love my landlord if they were kind
Hey vsauce, Michael here
Give it 15 more years uncle
it depends what you want long term Astolfo
Kind doesn't matter when you need maintenance done or your rent gets raised too high
Rent is only good for short term
hmm
Why is my new pup doing this
Nah it’s cheaper than owning
Pfp*
If my parents were renting the place they own they'd be paying three times the amount that their mortgage costs
yeah, but you’ll be paying like $1000-$2000 a week here for a decent home
the biggest excuse i heard is "youre making your landlord rich"
but again id rather have 1200 rent vs 6000 mortgage
Would rather pay that than a a 20k problem
Would I rather have a $900 a month mortgage, or start renting at $900 a month and suddenly it is $3400 a month
are mortgages really that cheap ?
$900 is cheap asf where the fuck are we living
bro would have to put down like 600,000 on a 800,000 house or something
Lmao
who tf has that kinda money
A mortgage is just a borrowed amount of money... so if somebody's mortgage is $165,000 and their house is worth $500,000 now, you get where the difference comes from
pay off 200,000 for 30 years
2009
oh my god
It's called buying a house back then
take me there
And living in it
NOW
Vs renting and have your rent become unaffordable
back when houses were like a few hundred thousands
and a mansion was actually 1 million dollars
you can still get a nice house in the usa for cheap
Yes, this is why renting doesn't work long term unless you have rent freeze
just .. not by nyc
Or rent control
Depends on where
You are at whim to the market
So when you want a place to live suddenly a 2 bed 2 bath is $2700 a month
Till you have to spend 10k on a roof and a water main that breaks insurance doesn’t cover
My dad can either keep the home he has now or just sell it when he retires and he’ll earn like a few million easily
people usualyl just move
before tax
And if you don't buy a home you are fucking over your kids for the most part. They inherit nothing and you're left giving a random due hundreds of thousands of dollars
Once in a decade maintenence shouldn't be scary
My life
It's kinda expected
erm
The kids will become millionaires and they’ll pay off your home
easy
im not inheriting a house.. my alleged future kids arent either
meow
i MIGHT inherit a house
my parents might buy a house but idk if theyll eventually give it to me
im their only kid
Lucky
I built a business instead of buying a overpriced shihhh ahhh house
Lonely
i have a brand new car, ps5, switch 2, etc
Nah I hate my sister
LMAO

If you plan on living somewhere over 7 years, always buy it.
Imagine renting from a nice old lady who lends you the place for way under market value. Then the nice old lady dies, new people buy the house, and rent doubles overnight
No one should have that much control over your life
Shit like thay happens every single day
i THINK i will inherit a house from my parents.. but inheriting a mortgage isnt always great
but they have cash
however. im still trying to make my own money.. never know
Can’t do that if you have a contract tenant can sue
Leases aren't 20 year things
my parents together have alota money saved up
Once the lease ends you're fucked
Damn no shit 😨
i had a 1 year lease in chicago
I like changing places I like better locations
You say no shit but you just said a sentence that makes it seem like they are
Changing locations at whim is a luxury, some people want to be close to family, friends, work etc
bro at least it looks like i wont be living paycheck to paycheck as an old man lol
That's like Uber luxery bro
I stay close to home I love how I live especially if I don’t like the location
You need probably tons and tons of money to do that
Uber is so dumb now
bro moving is alota work this is true
They charge so much and don't even pay the drivers jack anymore
I don't mean the company just like the original meaning
but you can just buy a condo.. you dont have to buy a whole house
Like super luxery
you can even buy a studio
my aunt has a condo in chicago.. top floor
she rents it out now and owns a house
i guess it depends on your lifestyle
Isnt a studio usually a big open area usually with 2 floors
are you one of those who wants to be married, have a house... etc etc
Diddy party
Well like 1 and a half
like literal everybody wants that lol typical stuff
Studio apartment is a fancy way of saying you live in a closet that can kinda fit a queen sized bed, with a bathroom sometimes
theres some nice studios
Oh nyc apartment
if i never get married idc
Good morning
literally if i never get married or have kids what do i need a whole house for
That's a big goal in life for most people
A big? Probably the biggest
Biggest for most is probably building a family
Who else am I going to teach how to drive a go kart at 2
I’m putting everything into a trust fund 🗣️🤌
And a real car by 6
i might make kids idk
Exactly
Well that's just a better way of phrasing it. Getting married and having kids
I'd like to go with the nuclear family style
2 parents, 2 kids, a house, a family car
I'll get married and not have kids, maybe adopt idk
I don't think there is a real reason to get legally married if you don't have kids
Maybe taxes but idk
Visa
Is settling down a late 20s thing or more 30s?
idk.. when i worked for amazon.. there was an old man who was about 60 or 70 years old who was saying he needed a second job or help from the governmenet just to be able to afford rent.. im just trying to avoid being in that mans position no hate towards him 😬
It was a 20's thing but we're so fucked rn that you become an adult at 25 now instead of 18
You buy a house at 38 instead of 28
yall ever had a warehouse job and theres some really old man working there? like bruh.. im trying to avoid that at least
So since everything is pushed back, so are the kids
Depends on the people and area and luck
Yea I work in a warehouse
There are many old women and men
yeah i mean i dont judge tho.. alota people just need to work or never had an oppurtunity to have cheap rent etc
I mean settle down as in like stop fucking around with friends and stuff and focus on you and your own family
but like.. i might be able to avoid that
I wouldn't stop hanging out with my friends
Yes that’s what settling down is
That seems depressing
I mean getting into mischief and stuff
Most of the older people that work here fled their country due to war like 10 ish years ago
i dont need a mansion and 5 cars but at least i dont want to be that old man living paycheck to paycheck in a warehouse job
Of course not hanging out, always need a boys night
ahh yeah.. understandable
Hi people
Hey Sophia
Hru
Stuff like that really humbles me and makes me feel grateful for what I was able to grow up with
My marketplace ad got 131 views in 9 hours and got like 6 offers 
We're talking about family and getting married and future stuff so if you want to jump in go ahead
Pretty good
Imagine having to grow up like that
Oh 😂
Their stories are heartbreaking
Just woke up... lemme see
seeing some of the older people be so excited for the paycheck on ffriday was scary.. like i said to myself "i need to lock in"
Yeah I want family and marriage someday
Oh yeah jumping from country to country
I wanna be married at like 23 😠
I've been lucky to live in the us so not really any wars. The only wars really are all the protest 
I feel like 23-30 would be prime marriage time
Yeah
It's a lot easier to be set for life than people think. You don't need to be miserable or frugal
yeah you can do it without a college degree.. it takes ALOTA work tho.. but its possible to save up for youself
I spend way too much on food, I spend a shit ton on my hobbies, I don't look at the price of menus at restaurants, but what I do first is invest. I pay schwab before I spend a dime on myself
And that is how I spend guilt free
Because it's all factored in
Don't most restaurants also just not show prices?
Illegal here
They typically do
Most do but like
My dad is worse than me with that though
It don’t really matter ngl
Oh I thought I seen a video or something where they get you to spend more that way
😂
Idk though
50 a day on food godamn
I paid 90 cad for dinner for 2 with dessert yesterday
I would be happy with a big garage and a 1 story home
Not food.. Just lunch
Don't forget the $22 breakfast
Even just food is a lot
Me an my dad are vacuums
Man that's one hungry man
What’s your favourite food
I'd have to eat 7000 calories a day to gain weight
Ah, metabolism
When I lived in malta I only ate out every day and only spent like €25 a day
On food*
Is it crazy I just see that and immediately know the theme with it?
Whenever I eat somewhere with my friends I look at what I want to have, then order 2 servings of it
And that is usually enough
The guy singing he bum bummity bums
Serving sizes are just small
Nah I did that too lol
They are on box food and snacks 100%
Man sponge bob was my childhood and he taught me a bit
Newer sponge bob is so bad now
After that one guy left or died (forgot which) it went down hill
The easiest way to not be fat af but eat what you wanna eat, is to avoid what tips the scale so to speak.
If you go to a fast food burger place. Just get the burger. Don't get fries, don't get a massive soda, don't drench anything in sauce
I like ordering pizza at restaurants just because those sizes are somewhat consistent among different restaurants
It's very easy to rack up calories if you're not conscious about what is actually contributing to them
If I want a burger I'll get a burger and just a burger
I almost never order a drink at fastfood places either
Can just walk into the grocery store
Plus you save money since the fast food places might charge you more
If I needed to lose weight drastically I could live off of sardines 82% dark chocolate and honey, 2 times a day
That's like 1300 calories
fast food is getting expensive
Nice
4 bucks for a normal burger I think
Döner kebabs are still manageable here 🙏
That's cheap tho
My favorite place comes out to $14 for just the burger
€11 for mine
It is a double patty with a lot of extra stuff in it
fifteen??
But I get 2
I can't sleep 15 hours even if I try xd
So a pound of beef since each patty is a quarter pound
It's so easy you just get on bed then sleep
Burger burger burger!!
Australian BK is pretty cheap
Speaking of fast food, they closed my favorite chicken sandwich place right by my gym and when I found out it felt like seeing someone you know just suddenly die
$12.60 for a double cheeseburger meal
thats alot
thats fucked
BK is ass
Burger King is garbage tier though so it being cheap makes sense
what?! But their double cheeseburger is amazing…
i used to like bk but yeah its really REALLY bad
it may be tasty
but its unhealthy lol
The burgers don't taste too bad but it's all they can do everything else is ass
It’s fast food, not healthy food
the chicken burgers here are pretty good too
I think i just go to Burger King for something quick. Just get a bacon cheese burger. Half the time they mess it up but it's whatever I'll eat it still
I haven't had burger king in probably 3 years
i quit all fast food... i only do chinese food and pizza.. and you can argue chinese food is bad but ehh
I like it it's good
oh and wawa.. i eat wawa lately
I’ve been eating Burger King more than Maccas nowadays
I think I'm going on 2 months
Bacon is life
but the places like bk and mcdonalds are BAD bad
i eat hotcats
That's an awesome gif
I only avoid bacon because most bacon has nitrate preservatives
What the heck man
And lots of shit in them
No
did you know bacon is like 99% similar to human
Modern bacon is
oink oink, I prefer mooooo
Fatty and imo just unsanitary
Nah bacon is king
😛
Shits so good
i dont eat bacon because of that fact that i wrote above lol
oh and this
Bacon is definitely a top tier meat
I’m in your walls
Cow just eats grass
They also make methane
My cousin and I went to a restaurant as kids and my grandma wasn't looking so we ordered a shit ton of bacon.
Keep in mind I was 11 and she was 9 and we each at 14 slices of bacon
I drink milk
Me too
oh my god 😭
$2.60 per bacon?
MY GOD
bacon does taste good but all the facts of bacon make it unedible for me
bacon gave me a horrible stomach ache
I’m allergic to it now gg
lol
Anything to do with pig bruh
Nothing that should give me a stomach ache gives me one. I could eat the fried greasiest shit known to man then hop in an f4 car and take a turn at 100mph
However
Pig meat disgusting
when are you collabing with the other F1 drivers
If I eat a salad the wrong way I'll throw up
thank you
a salad whyy
So good🤤
I don't see the point in salad
healthy
Yeah it's just leafs and vegetables
clear skin etc
Nah
greens are good for you
Just eat the vegetables normally
especially if you put tomoatoes in it
I want a 16 ounce steak with my veggies
Ew no
lmao should i just eat the tomato like an apple ? 😂
I can’t eat tomato unless it’s a salad
what’s wrong with that
Yeah
how do i go about getting my opressor mk 2 back after a cheater deleted it
nuh uh
Like you do an onion
lmaooo
There's a place in nyc that makes awesome salad forgot their name
Tomatoes in burgers are criminal
Tomatoes are nice to eat on a cold cut sandwich or on their own but if you put Tomatoes on most combo foods it makes everything just taste like tomato and absolutely ruins it
Yes
Tomato is evil
@nimble jay they put a thick fucking slice of tomato
tomoatoes are good for your heart.. eat your tomatoes people
And the juices just make everything fall out of the burger
It’s so messy
How am I meant to enjoy the burger
I like tomatos in my macaroni soup
Real
monster
how do i go about getting my opressor mk 2 back after a cheater deleted it
No it's good
Tomatoes on Burgers is disgusting for me
and because the tomato is so thick, you’ll taste it more than anything on the burger
I love the taste of tomatoes, I also love the taste of ice cream, somethings don't belong together
Tomato ice cream
Somebody would
What a concoction
What are your thoughts on people who dip Maccas fries into a McFlurry and eat it?
tomatoes and burgers do go together tho.. and tomatoes and salad go together
I’ll eat u
NOOOOOO
TOMATOES BELONG ON SALAD
And some soups
i rest my case, i want to do a salad tomorrow
Like tomato soup
You’re so obsessed with me 😔
I tried dipping fries into my milkshake and I kinda get it. Starchy salty fry acts as a dough sorta I think it only works on chocolate shakes though
Really?..
i eat this but theres no physical tomatoes in mine
It sounds weird until you do it then realize it isn't too bad
But I don't do it regularly
some people dip it into coke dude
Well no of course not. Just grinded up tomatos and hot water
I did it once then never again lol
and say it tastes better
W
Day ruined
Fries in coke is just weird
LOL
Never heard of that
people wanna be different ig
peanuts in coke is actually p good
Brother what

Alright man what the heck
leave the nuts alone!
its a southerner thing
nuts are perfected
Which
Cuz you’re amazing, just the way you are
Walnuts could use a bit more flavoring
I almost ate like 400g of nuts
yea peanuts in coke specifically glass bottle coke
they’re addicting
I see that
Pistachios goated
I was having cashews
Not the squirrels…
I got to get red squirrels though as those are the only unprotected squirrel class
they were 400g unsalted cashews raw
Oh yeah
and I spent $14 Australian dollary-doos on them
I think I had about half or more and then threw them away
more addictive than fent
💔
What a random comparison
lmaoooooo
Perry hop on that new sleep phonk
He could've said like another food but he went with fent
I love cucumbers and pickles
Meh. I'll eat them if Im offered but other than that I won't pick them out
he’s cooked, ignore him
but theres no food as addicting as pistachios
update on the stocks - all my stuff is green on the over night hours... might be another green day tomorrow
so fent
For which stock
Uh
take two is up by 15 lol
Now we're dancing on habits and addictions
i have 10 shares of take two so i should be up by 150 just from take two alone if it opens
on 15 up
ppl do love their gum
Swear half the people in my classes can't get through the period without asking for some
and you can chew it forever
You pull a packet of gum out and they storm you.
The stupid phone keeps auto correcting half to have
sadly.. a big rule of investing is "dont put all your eggs in one basket" yadda yadda so i had to invest in other companies like amazon and nvidia to be safe
rookie mistake
is pulling gum out in front of everyone
I hate gum I don't get why people get it
same it makes my tummy feel weird
i think it gets tricked into thinking im eating something
Do you possibly swallow it?
Because you're not supposed to
no i heard it gets stuck there
how do u hate gum n make ur tummy feel weird wyd with ur gums
It just takes a long time to digest
gum is just.. a sus food
yeah but you get up before 15 hours
u dont even digest gum
yeah it just sits there i think
Oh fr?
for like 7 years
Mb
yeah
no u just shit it out
after 7 years ?
drink a bottle of magnesium and eat a piece of gum
then eat it again just to reconfirm
Cya tomorrow

I always swallow gum.
👋
bye astolfo 💕 (server kitten)
Barber, Taxi Driver and Strippers are one of the most knowledgeable people on earth today
I'm not joking. They somehow know everything correct
Yes pookie
Didn't realize after I talked to Lexi a couple of days ago she left again because of you
Hey guessing since you got somebody else she's good now

They know a little about a lot
Also some random dude in a coffee shop you'll sit next to
can confirm im a stripper and i know it all
K
K
My barber is my financial consultant
Sports betting
92% win rate
nice
morbid fact #67
Espaoool?
Hi Celeste
Coke can be used to remove rust
I have to contact
The paint companies to have them go out of business
English only
fr?
Yeah highly acidic.


