This topic contains 37 replies, has 23 voices, and was last updated by 
FunInTheSun 1 year, 8 months ago.
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A banker friend of mine tells me that the most in debt clients he sees at the bank are those who earn in the six figures.
The grass is not always greener on the other side.
It’s not how much money you make, it’s how much you save and wisely invest that counts.
I’ve read that most lottery winner end up right where they started financially three years after winning the jack pot.
Debt to equity ratio. Banks will let a person with no financial sense making 150k a year dig himself a bigger hole than a person with no financial sense making 50k a year. I have countless coworkers that do it…soon as the money starts rolling in they go finance a BMW, maybe a nice toy like a boat or motorcycle, start going on several fancy vacations a year, and mortgage up on twice the house than what they actually need so they end up living paycheck to paycheck while making six figures, which is absolutely absurd.
If we took out all the BULLS~~~ jobs that exist, only about 5% of the population would need to keep working.
Just curious…what are these 95% of jobs that are bulls~~~ jobs? Sounds like a slight exaggeration, and by slight, I mean f~~~ing massive. Its probably more like 1%, and rather limited to big corporations with layer upon layer of management, and the government.
The System is designed to have 5% of rich, 15% of not so rich, 20% of better-off’s, 40% of strugglers and 20% of poors.
It’s all well thought-out and organized.
Otherwise, who’ll pick up the trash and serve in restaurants and who’ll serve as exemples to keep the other ones working?There’s no fixing it because it does not want to be fixed. You can either buck the system or f~~~ the system.
It cant be fixed because its not broken. Some jobs are not going to ever pay what other jobs pay. Many lower paying jobs are starter jobs and have always been designed that way. Entry-level jobs.
The fat some people are never going to rise above an enry level job is not the fault of the world. The less specialized a job is generally correlates to lower salaries. Further many jobs don’t require people to sink years, and hundreds of thousands of your own money in training, and then expensive personal insurance just to be able to work.So many people are unmotivated and have no ability to put time in and delay gratification for longer term goals. Look at women. They dont do this. They dont put the hard time and effort and money to get a STEM degree, they marry someone WITH a STEM degree, and then if they get bored divorce rape him and take half his stuff as parting gifts.
Women want everything, but want responsibility and accountability for nothing.
Income is a dirty word I am not allowed income.
Income is something over and above what I need.
Never have I made enough for my needs.I was bound to be misunderstood, and I laugh at those who misunderstand me. Kind mockery at the well intentioned, but unfettered cruelty towards those would be prison guards of my creative possibilities. This so as to learn as much from misunderstanding as from understanding. Taking pleasure in worthy opponents and making language fluid and flowing like a river yet pointed and precise as a dagger. Contradicts the socialistic purpose of language and makes for a wonderful linguistic dance, A verbal martial art with constant parries that hone the weapon that is the two edged sword of my mouth.
The fat some people are never going to rise above an enry level job is not the fault of the world.
Some people are over paid at minimum wage. Example…I went to pick up some lunch the other day at a place that is set up like an assembly line, and they just throw whatever you want on for you. I told the girl “I’ll take every but onions…no onions.” She looks at me and says “No onions?” I say “Correct.” The first thing she throws on it is a handful of onions. Jesus f~~~ lady…you just gave me a repeat back and then f~~~ed it up less than two seconds later…how many drugs are you on?
Or walk around your local Walmart and ask someone for help with something…I’ve gotten dirty looks before from employees standing in an aisle playing on their cell phones or having a conversation with other employees like I interrupted something. Hey its a low paying job and all, enjoy your f~~~ around time, I’m not gonna go rat you out to your boss, but for f~~~s sake you can take 30 seconds away from f~~~ off time to help a customer out…I worked retail when I was younger…its not that hard.
I know another guy that is just lazy. Like I said, I worked retail when I was younger, that is how I met him. He’s been working at the same store for 20 years now…part time shelf stocker…and by part time I mean like 30 hours a week so he gets no benefits. Probably about 10 years ago the place offered to promote him to an assistant manager, as he really isn’t that bad of a worker. He’d get a few bucks an hour more for a raise, more hours(but still be hourly so he’d get overtime), and benefits. He said no. He didn’t want to work anymore hours and didn’t want anymore responsibility. Every time I see him, he cries how broke he is. Its just like…well wtf man…your doing it to yourself. Between the extra 10 hours a week to go full time and the pay raise it probably would have been a 50% bump in gross for him, plus access to a 401k plan and health insurance, but he couldn’t be bothered.
How do you put people like that in jobs that requires more brain power, professionalism, or work ethic, and how exactly am I supposed to have sympathy for them like they are a victim of the machine or something? I know a lot of people sometimes get stuck in low paying jobs between jobs due to layoffs or whatever, or take low paying jobs when they’re younger to get some work experience, and that is cool…most of them eventually move on to better things, but you are right…some people will never move out of entry level jobs and its not the world’s fault…its their own.
Just curious…what are these 95% of jobs that are bulls~~~ jobs? Sounds like a slight exaggeration, and by slight, I mean f~~~ing massive. Its probably more like 1%, and rather limited to big corporations with layer upon layer of management, and the government.
What most people don’t think about is how all jobs are interconnected. If one useless job is destroyed, it destroys another useless job.
Take for example a useful job, like an auto mechanic or a factory worker that builds cars. That’s a useful job, right? Well sure. But what if all the useless leeches that work in the government stopped working? They’d need to buy less cars to get to work, so there would be less auto mechanics and factory workers. Less auto mechanics and factory workers means they wouldn’t have a job to pay for useless s~~~ like spearmint scented candles or makeup for their women.
As each useless job collapsed, other useless jobs would disappear as well. Even USEFUL jobs (like auto mechanics) would be drastically reduced as people wouldn’t be wasting time and resources doing BULLS~~~ jobs just so other people can do bulls~~~ jobs. It would work like a funnel, until the only thing left would be the jobs at the very tip of the funnel – at the end. You know, jobs like doctors, farmers, contractors, etc.
In the end, unless you could FIX something that was actually useful or MAKE something useful, you wouldn’t have a job. Would that be such a bad thing? The only ones that would be unhappy about this would be women because they buy all this useless s~~~, but let’s be honest, women will ALWAYS be “unhappy” because their happiness comes from external things, not from inside. Inside women are empty, hollow shells with a false exterior meant to deceive.
Love the topic. Reminds me of this:
This scene made me laugh to tears:
"I saw that there comes a point, in the defeat of any man of virtue, when his own consent is needed for evil to win-and that no manner of injury done to him by others can succeed if he chooses to withhold his consent. I saw that I could put an end to your outrages by pronouncing a single word in my mind. I pronounced it. The word was ‘No.’" (Atlas Shrugged)
Anonymous12I’m in Australia but back in the 1920’s some workplaces would not recommend men on certain incomes to get married at all because they didn’t want men who would be tired or poorly kept to work for them.
I love the people whosay you should be serious about your education and job. But don’t worry about all the debts. Obviously, you would never be the one who would get the short end of the stick in life.
The first problem is equating a job with a career. Learning a trade or profession is a career. Something that requires years of on the job training or schooling to build a skill set is a career. Something that requires a 30 min training video and just showing up on time is a job. Working at McDonald’s or a moaning a register at a grocery store is a job. If you want to turn it into a career, you better bust your ass to move up the chain. You’ve been flipping burgers for 15 years, so what. What useful skills have you learned to demand a higher income? You are performing the same task a 16 year old high school student does.
The second problem is with college education. In the 80’s, the US govt decided to start heavily loaning money to kids to go to college. The catch was that you could absolve this debt through bankruptcy. The universities see this as free money. The unit accepts the student, the govt gives the school a huge chunk of money, and the student is permanently on the hook for paying it back. The school has no worries because they get the money up front. The kid graduates and can’t find work, too bad, the school already got their money. The school wants more money, just raise tuition and accept more students.
There is no accountability in this system. Does every damn college in the country need to offer every degree imaginable? Do we need 500 colleges granting degrees in art, history, English, philosophy, etc? I don’t mean to pick on these areas, but they provide low income and typically graduates amass hundreds of thousands in debt to find a career that pays $30k.
So, whether you chose to remain in a low wage job or fritter exhorbitant money away towards a career that will not pay commensurate to the incurred debt, it is your choice. You should be held responsible for the outcome.
A co-worker recently told me, "If you want to see who someone really is, divorce them." I have found out how true this is. When your wife drops the façade of being the caring partner, you will witness all of the greed, hate, and spite that she has masked. It is truly breathtaking!
The more they breed the more of my tax dollars they get. Therefore have more kids is the answer.
Peace is > piece.
Anonymous1A welfare career is more lucrative than a low paying job, and a lot of them just pop out a kid every few years until their ovaries dry up.
That is what really burns me up about this system. The welfare queens make almost as much as I do (a highly skilled technician). They don’t have to work, they are free to spend their time being lazy pieces of s~~~…but that is not good enough for them.
They pop out a literal army of bastards and send them over to my house to loot and pillage. They rob me via the tax system and then rob me literally by breaking and entering.
Its gotten so bad, where I’m saying what is the point in working hard and being honest in this degenerate society? Why work at all?
Its gotten so bad, where I’m saying what is the point in working hard and being honest in this degenerate society? Why work at all?
There is a reason why plans for my future involve living abroad. There are lot’s of countries you can pretty much double the relative value of your nest egg by moving to due to differences in cost of living, plus I’ll pay a lot less taxes to support a f~~~ed up system compared to if I stay here, buy a house, buy toys, and keep on working to pay for it all.
Anonymous1There is a reason why plans for my future involve living abroad. There are lot’s of countries you can pretty much double the relative value of your nest egg by moving to due to differences in cost of living, plus I’ll pay a lot less taxes to support a f~~~ed up system compared to if I stay here, buy a house, buy toys, and keep on working to pay for it all.
Yeah, well I’m not even able to buy a house yet. I just paid off all my student loans recently. I just work all day to support welfare queens and their criminal, violent as hell, bastards. I’m paying upwards of 30% of my income to the IRS. This system is completely f~~~ed!!! I’m going Galt as soon as possible. I’ll be damned if I support this degenerate society any longer.
has to make at least $40,000 a year to have a decent life (and build up some savings) in most cities in the USA
It’s not quite that high but damn near. You can get by comfortably, saving 5% on $35,000 a year. Depends on your notion of comfort. 🙂
(why are) people who make $20,000 a year or less decide to have children.
It’s “unethical” but I think you should require a Reproduction License to have children. Without it, they should force abortion or the state should take the child at birth, permanently. To get the license, you should have to meet a certain genetic and economic threshold. Like if you have a terrible hereditary disease and live on welfare, they should force abortion on you. *Just my opinion and I know its kind of heartless* Of course we lack the grit as a society to progress. Only digression is allowed right now.
a doctor here in spain……..im not brown enough seems like.
Ha, I didn’t know that about you Carnage. Expains a lot though, I have a lot of respect for you and generally try to stay out of your way seeing as you’re one of the more ruthless commenters. Meant in a good way. 😉
There is an old adage. Work smarter not harder. The people with money for sure have figured that out, managers, job boss, so on. Figure it out.
mgtow is its own worst enemy- https://www.campusreform.org/
My ssi check is capped at $750 a month.
I only make 18,000$ right now but I’m 24, no education and just got out of a 5 year relationship which literally ran me into the ground. I have to rebuild myself from nothing and from being broke and am saving about 1/3 of my income and in addition putting any money I have left over into trying to get a business off the ground.
I don’t live well but I’m healthy and not losing money, for now as long as I keep saving I can put the money to good use soon. You’re money needs to be shoved into real estate, stocks, bonds, land, and businesses or your money will die a slow death. Thats one of the laws, and with low interest rates investing your money matters way more.
I only make 18,000$ right now but I’m 24,
The good news is: you have a lot of years ahead of you. I hope your investments grow (bigly) by the time you’re 44.
"I saw that there comes a point, in the defeat of any man of virtue, when his own consent is needed for evil to win-and that no manner of injury done to him by others can succeed if he chooses to withhold his consent. I saw that I could put an end to your outrages by pronouncing a single word in my mind. I pronounced it. The word was ‘No.’" (Atlas Shrugged)
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