58a0a7 No.1909
What do you guys do with your money when you get it? How much goes to rent, food, gas, etc, and how much do you invest/save? What do you invest in?
____________________________
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723a99 No.1910
in the US it costs about $10-14k/yr to exist. that includes rent (with utilities), health insurance, car insurance, gas, food, internet.
full time minimum wage (~$7.5/hr) nets you $14k/yr, so you need to be making at least $10-15/hr to really be able to save anything.
you need money before you can even think about investing. And then you get the joy of losing it all.
silver <$15/oz is a no brainer and I think is the best way your average joe can save today, so long as you buy it cheap. hit a low of $8 during the 2008 crisis, anything between $8 and $15 is cheap.
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ff77aa No.1916
>How much goes to rent, food, gas, etc,
All of it. I essentially work to facilitate being able to work again the next day.
>how much do you invest/save? What do you invest in?
None and nothing. I want to, but until I figure out how to break the cycle, I'm fucked.
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58a0a7 No.1918
>>1916
Shit dude what happened?
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e40c7c No.1919
>>1909
I do a monthly budget. It helps cut a lot of the fat off that doesn't need to be there.
Basically if you don't make a lot don't spend a lot. If you make minimum wage then get a 2nd job or look for something that pays more restaurants where I live hire dishwashers for at least 9/hr. Investing wise do some research
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723a99 No.1923
>>1918
see >>1910
either he works for less than ~$12/hr or has some expense, like car maintenance or health problems. if he's buying beer and weed though he deserves it.
this is why people need to understand money and banking, to prevent such a bullshit economy from being created in the first place.
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ff77aa No.1925
>>1918
Nothing, really. Nobody ever taught me how to handle money, so I'm in a tight spot until I teach myself. >>1923 is even closer than he thinks. I make $12/hr, but only part-time, I've got a shit car that constantly needs maintenance, and I've got health issues that prevent me from working as much as I want but can't afford to fix them. Basically, the ground was falling out from under me, so I grabbed the first job that was available. It's really far away, (~50 miles each way) and gas and tolls eats into the amount that I make, not to mention the miles it's putting on the car. When it comes down to it, I need a new job that's closer. It might not even need to pay better. However, I'm hesitant to drop this one, because it allows me to schedule my own hours, which is great because of the health issues.
>if he's buying beer and weed though he deserves it.
About two or three times a month I hang out with friends, and buy a couple beers or coffee on those occasions. It's not a habitual expense.
You'd think that for all the useless shit we learned in school, especially high school, they would have allocated some of that time to basic personal finances and saving/investing instead.
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e922f5 No.1930
>>1910
>health insurance
kek
>>1916
>I want to, but until I figure out how to break the cycle, I'm fucked.
learn a technical trade, plenty of ways to learn online for free
be a patreon art or project fag
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723a99 No.1933
>>1925
information on personal finance is purposefully kept out of public education for the sake of making it easier to control the population. what information is available is confusing and often plain bad advice.
it is a dog eat dog world. learn money and markets or perish. learning to read and understand a simple candlestick chart is probably the best thing you can do towards making prudent investments (buying at the right price). no investments = no positive exposure to central bank moneyprinting = wageslave for life.
silver between $8-15/oz is cheap. The timeframe to build a position I feel is between now and early 2018, the Fed raising rates will test the resilience of the global economy until it breaks, at which point all banks will have to print like mad to prevent a debt-default domino effect. We'll get serious inflation and metals will rise back to 2011 levels and further going into 2020 and beyond.
tl;dr get fucked goyim if you were smart you'd be doing this already.
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ff77aa No.1935
>>1933
where can i buy silver at $8 per oz?
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723a99 No.1936
>>1935
you are literally retarded
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ff77aa No.1943
>>1936
explain it
i really miss your point there
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7809a5 No.1944
>>1943
cuz it can't be found at $8 like the write up suggests; a range of 8-15. Spot price is currently >$16
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ff77aa No.1959
>>1944
ok just to be sure
the point of 8-15 is to buy less than spot
right?
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faf5d5 No.1961
+3000 income p/m
-750 rent
-700 savings
-450 food
-180 petrol
-120 electricity
-60 internet
-30 mobile phone
Other expenses variable on C/C, pay off balance in full each month
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9bd852 No.2023
student loans.
it's not even enough to cover interest.
I should have never gone to college
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bd3999 No.2064
>>1933
>information on personal finance is purposefully kept out of public education for the sake of making it easier to control the population.
They teach it in school.
Back in 8th grade (~2009), we had a personal finance course for a month.
At the end, we had a field trip to this kids finance expo for a final assignment.
Everyone gets a life scenario and creates a budget for it.
>Single parent with two kids making 40k/y.
We got computers to pick houses, cars, etc.
Simple enough.
Then they gave us the assignment sheet. It had categories that we had to budget for.
They were all REQUIRED and had a MINIMUM amount.
>Mortgage: Had to be buying
>Car: Had to be new, plus due to kids, I had to get a bigger car.
>Clothes: >$50/m /person
>Food: >$200/m /person
>Entertainment: >$100/m /person
>Savings: 5% gross/m, so like ~$120/m
>More that I forgot
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0ec313 No.2074
>>1933
>information on personal finance is purposefully kept out of public education for the sake of making it easier to control the population. what information is available is confusing and often plain bad advice.
>>2064
This is also something I had in middle school to high school (didn't get the fancy field trips). My age group is early 20s. There was some edutainment game on the computers that simulates life after school, career choice, and budgeting. I got slightly demoralized that the conventional good behavior leads a mundane, yet comfortable life.
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8d3811 No.2131
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4bc861 No.2134
>$830 rent
>~$300 gas&electric combined based on time of year
>$800 student loans
>$110 credit card
>$170 cable/internet/phone
>$160 truck
>income: $0 /mo
>job search: fruitless
>will be homeless and/or driving across the country in 2-3 months at most if nothing changes and none of these fucking companies hire
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c3d4e3 No.2291
+2000$ income p/m
-200$ rent
-35$ phone
-110$ car insurance
-80$ food
The rest of my money goes into my bank account. I don't understand why everyone doesn't live with their parents. Even if your a dumb ass who wants to blow all your money on taco bell and weed it still makes sense to live with them.
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2d653d No.2372
right into the garbage literally
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dbdcdc No.2455
>>1916
You can cheat that easily, just live with your parents or significant other/friend (you need heavy trust for this one to work). Live in the midwest and work in a factory/warehouse. There you go, at least $13 an hour and your rent is effectively 0 (provided your parents don't make you pay rent) or cut in half. Food costs can go down a lot if you simply EAT LESS but more filling food (oatmeal, chicken breast, peanut butter, high fat/protein diet).
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dbdcdc No.2456
>>2291
Both of my parents are divorced so no matter what they will make me pay rent or costs to live with them. At that point it's just easier to live with my significant other since I get more privacy/time to myself. Also they both live in shithole states with nothing in the way of jobs or heavy commuting to work (Indiana). At that point it's just easier to move.
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4a1bae No.2463
>>2456
>Both of my parents are divorced
wat
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2bbb25 No.2990
>paying rent
>not living in car
>can't afford shit
no rasin to complain
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cf87e6 No.3022
It's hard to save money on minimum wage when all money goes to expenses. Schools don't teach proper financial education because they want you to spend. Life hurts. Therefore…
Buy SILVER
SILVER SILVER SILVER SILVER SILVER SILVER SILVER
SILVER SILVER SILVER SILVER SILVER SILVER SILVER
SILVER SILVER SILVER SILVER SILVER SILVER SILVER goyim
SILVER will solve all your problems. Forget about saving money for a rainy day just bet in on Silvermann.
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04b19c No.3049
+$10k/month
- $3000 hookers
- $1000 hiring pajeets to write bots for me
- $2000 rent
- $1000 YOLOing the stock market (not crypto you faggots)
rest save
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dca4c8 No.3066
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5e552c No.3072
>>1933
Dunno man, in used bookstores you see doomporn "economy's gonna blow THIS DECADE" books as far back as the 80's. The Controllers have always been able to keep the game going. What makes this time any different. PMs are totally manipulated as I understand it. They can drive it up and down as they please. They have total market control. Look at how BTC bounced at $6,666 the same day the DJIA dropped 666 points a month or so back; they rub it in our faces.
>>1935
irl you can't find it for sale at that price unless the seller is retarded, in which case it will be gone in a snap. irl if you find cheap silver it will be free… like the rejects in the Coinstar machines. I noticed you find lots of silver dimes in more rural areas… I think in those areas people tend to use cash more, and more old people means more of the money just circulates locally. Found a plain silver dime and a silver dime. $2 of silver yo.>>1933
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fd4fc3 No.4003
>>1909
25y/o Germanfag here
70% in Stocks (etf and individual shares of companies mostly concentrated on Dividends)
20% for rent (still living with parents)
10% for fun basically IRL stuff i rarely do cuz no friends and gf just a groupie i met on the internet but i rarely meet her
I want to retire as soon as possible because i hate humans.
I do make like 25k Euros per year after tax…. so yeah its not enough to retire yet, but since im still living with my parents im able to invest most of it.
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c22a7c No.4004
you need to change your situation first and foremost…you know what's wrong but you're not doing actively doing anything to change it, i wouldn't even bother with worrying about investing in your case, if i was going to invest in anything it would probably be trade school or something of the sort.
you have to create enough income to where investing in tangibles actually makes sense, it doesn't make sense for where you are at in your life, you need to invest in changing your position in life and what you are doing.
a bunch of silver in a safe isn't ever really going to change your life, things will keep happening to you and you'll keep having to go into your investments just to survive, you need to change your survival outlook first.
i don't want to be a dick but i don't know if things are ever going to change for you, you know dam well what you need to do but you're not doing it.
my father once told me, it's always easier to get a job if you already have a job, i didn't get what he was telling me until i was in my mid 20's, the idea is that you should never be treading water, especially if your situation sucks, you know your situation sucks you should be looking for another job as if you are unemployed, every single day you should be looking for something somewhere else, while still kicking ass doing what you are doing.
maybe i'm lucky i don't know,but i've probably worked somewhere around 80 jobs or more over the course of my life before i found myself where i am now, i've been everything from a call center worker to a insurance salesman to a bouncer to all of the normal stuff,server, construction/demo worker/shipping/receiving/ect,ect,ect…until i eventually found myself at a small engineering company building pallets, a position opened up to do mechanical assembly and i asked to apply for the job, they told me no, i could just have it since i was a good worker, i worked that position for a few years and during the course i was pointing out design flaws that engineers fresh out of college were making, i must have been right as they offered to send me to school for a BSME and put me in a drafting position while i went to school…i've been with the company 12 years now and am a design eng…my life is fucking amazing in most regards….now i'm only in my mid 30's, this shit didn't happen in the old days of America, it happened and is happening now, my mindset was always on changing my situation and making myself someone that i think would deserve an opportunity like the one i got. i never bitched,moaned or complained about my job, i was always on time, i knew when to shut the fuck and listen, i did everything on every level that i knew i should be doing…you are not. you know this isn't working out for you, you know this is never going to work out for you, yet you tread water? why?
life's fucking hard, you have medical problems, it's going to get harder for you the older you get, people will be less likely to offer you opportunities as you age, you become less capable,it's harder to learn and you become more defined in all ways really…i know it fucking suck, i know that sometimes you just want to fucking die just for it to be over, lol, i've been there, more than once…shit still am in someways as life will never cease to present problems no matter how good you think you got it.
push yourself anon, push yourself till you either make it or break and die as ultimately those are our only real options and we're all going to end up in the same place regardless. invest in yourself anon. you can do it. you really can.. it's just fucking hard and a lot of people just aren't willing to do what they need to do to get there. good luck.
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18ef8a No.4005
>>4003
>mostly concentrated on Dividends
I don't know how taxes work in Germany but dividends are often overrated because the returns feel more tangible, even if the overall performance is lower.
good job on the saving rate though.
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00f105 No.4255
>>2023
damn. hopefully bernie sanders wins and returns bankruptcy to us
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59a102 No.4256
I have an elaborate budget, the pertinent part of which is $200 devoted toward my brokerage account. Most of the time now I buy something when I reach over $1,000 in the account.
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8c08c9 No.4472
3k post tax
-1k mortgage
-200 food
-300 student loans
-90 for public bus
-180 for personal office (plan to eventually let it lapse once I finish some projects)
-rest I sock away for travel\books\investing.
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ca847a No.4573
>>1933
My schools purposefully cut budgets for other classes so they could offer more classes like black history and even more sportsball than before, because mud huts and sportsball is better to learn about than how to financially thrive. The modern school system doesn't give a shit about peoples life skills or their ability to have societal mobility, they just care about dumb bullshit they can flaunt around in peoples faces.
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ca847a No.4574
>>1919
>get a 2nd job
Real slave hours going on there if both are fulltime.
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b156ff No.4612
Invest in new language,
Save a stash to convert US money into shitty 3rd world money
Become rich in 3rd world shitty post soviet country
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