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wtf why 2 screens
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Nov 8, 2015 07:59
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im gay posted:wtf why 2 screens This picture has double the binary oppression!! So triggered now.
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Nov 8, 2015 10:15
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GORDON posted:My fave credit card trick is that I got an Amazon Visa card, which gives you 1-3% back in Amazon credit, depending on where you spend it. I use it to pay all of my $2k-ish in monthly bills, pay it off every month, and spend the free amazon money as I please as "entertainment." Great for the budget. Don't be so hard on yourself, you don't whine that much
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Nov 8, 2015 12:33
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how are you all so old i thought the joke of this thread was snake people complaining about snake people, but half of you really are middle-aged people in their forties
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Nov 8, 2015 13:00
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joat mon posted:67. Find a way to do what you love, even if it doesn't pay well. Don't do that thing all the time, though. Eh, I'm 46, I saw a whole generation right after me get caught in the Boomer trap of 'do what you love' and got into huge debt. The problem is, that was a workable thing before the MBA assholes hadn't started turning the screws on everyone, and that time is long gone. Lots of PhDs in History and Literature staring down a lifetime of student loans. IMO don't make 'something you love' your career. That love will get crushed out of it day by stressful, annoying day. You eventually won't want to do it at all outside your job, so you'll have sacrificed the thing you love on the altar of paying rent. Instead find something you like, you're generally better at than most, enjoy doing, and can happily forget about after 5pm. Make that your career. Life gets so goddamn easy when you can take it or leave it; you make decisions more clearly when your self-worth and self-expression isn't on the line with every setback or bad decision. Your judgment of the jobs you take will then change to 'well this gig is lucrative but longer hours and higher stress, this one is nice but has a long commute, this one will lead me in a totally different way which could suck or be awesome'. Make the thing you love your hobby. You can happily have fun no matter how good you are at it, because you're not in competition with peers for money. You can become world class, or just plod along sucking rear end, it doesn't matter. It's the pressure release valve. If you become SO GOOD at it that it naturally supersedes the 'decent day gig' then all the better. /serious post Oblig link: Millennials want nice poo poo but don't want to work for it
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Nov 8, 2015 13:37
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Phlegmish posted:how are you all so old i thought the joke of this thread was snake people complaining about snake people, but half of you really are middle-aged people in their forties This is SA, not Snapchat
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Nov 8, 2015 13:38
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GORDON posted:
The door swings both ways bitch.
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Nov 8, 2015 16:07
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GORDON posted:My fave credit card trick is that I got an Amazon Visa card, which gives you 1-3% back in Amazon credit, depending on where you spend it. I use it to pay all of my $2k-ish in monthly bills, pay it off every month, and spend the free amazon money as I please as "entertainment." Great for the budget. Get the Amazon store card 5% back
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Nov 8, 2015 16:36
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it happened, SA is now a forum for olds which i guess is most forums nowadays
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Nov 8, 2015 16:37
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a happy snowman posted:
The survey results show that young people do not believe work should be a central part of their lives, which is absolutely the correct position. Work is a perversion. Work to live.
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Nov 8, 2015 16:47
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a happy snowman posted:Born '69, so 46, max the gently caress out of your 401k, and pay your credit cards off every month So just don't be a loving idiot?
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Nov 8, 2015 18:52
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HEY NONG MAN posted:So just don't be a loving idiot? You would be shocked how many people don't get this advice. "Don't live in debt" can be a foreign concept "Sure you might have tens of thousands of dollars in student debt and a crap paying job but you can totally buy designer clothes and travel to europe" <- actual people I know
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Nov 8, 2015 19:13
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DreamShipWrecked posted:You would be shocked how many people don't get this advice. "Don't live in debt" can be a foreign concept the nerve of some people
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Nov 8, 2015 19:19
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Nov 8, 2015 20:16
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DreamShipWrecked posted:You would be shocked how many people don't get this advice. "Don't live in debt" can be a foreign concept Debt's pushed on you pretty hard. I opened a savings account so I can save up for school. The bank recommended I get a credit card. I was like 'no I'm fine just give me the savings account'. I'm doing the old second career thing because if turns out my dream job pays poo poo and is completely unstable. So I'm saving half of what I make to pay my tuition in cash.
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Nov 8, 2015 21:24
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Borden posted:Debt's pushed on you pretty hard. I opened a savings account so I can save up for school. The bank recommended I get a credit card. I was like 'no I'm fine just give me the savings account'. I'm doing the old second career thing because if turns out my dream job pays poo poo and is completely unstable. So I'm saving half of what I make to pay my tuition in cash. Perhaps it's better to say "don't get into avoidable debt". A lot of people don't know how to handle credit cards and just buy everything off the drop of the hat. I've never paid for anything on a credit card that I couldn't in cash so it's just a habit, but I have family members that just kept digging and digging off minimum monthly payments and got in huge trouble in return Having a credit card is pretty good for building up credit, it's just a matter of keeping it on a leash
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Nov 8, 2015 21:31
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I'm in my late 20s, never finished college and have no debt whatsoever. Retirement being well funded since I was 19, job with okay pay but loads of paid time off and most days are spent cruising SA or maybe learning an unrelated skill. My firend, same age, went full-bore academics and didn't have a job until he got his PhD. Lives in a shithole town making less than me, bought a house and two cars and his wife's job pays for poo poo. They are trying for a baby. Every time he complains about his 500k+ debt, I roll my eyes out of my head. Keep spending buddy, so what if you are not really using your degrees. Maybe you should have gotten something worthwhile.
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Nov 8, 2015 21:35
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Inzombiac posted:I'm in my late 20s, never finished college and have no debt whatsoever. Retirement being well funded since I was 19, job with okay pay but loads of paid time off and most days are spent cruising SA or maybe learning an unrelated skill. sounds like you two are really good friends
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Nov 8, 2015 21:48
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DreamShipWrecked posted:You would be shocked how many people don't get this advice. "Don't live in debt" can be a foreign concept the thing that made my blood boil the worst about e/n superstar bluestory (?) was that she had credit card debt that she could have paid off with barely a dent in her savings but month after month never, ever did. just pissing money away on interest month after month after month
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Nov 8, 2015 21:49
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Inzombiac posted:I'm in my late 20s, never finished college and have no debt whatsoever. Retirement being well funded since I was 19, job with okay pay but loads of paid time off and most days are spent cruising SA or maybe learning an unrelated skill. This was basically me 5 years ago. Then I got laid off and went back to school because I couldn't find a job and managed to get myself into a bunch of student loan debt I can't pay back, and my job doesn't pay much. Thinking about my student load debt is the only thing that has ever kind made me want to blow my brains out. gently caress debt. Being debt free (or maybe something small like a car loan) is the only way to live with any sort of peace of mind. A lot of this was my own fault. I handled it loving poorly and creditors just came out of the woodwork when I started running out of money. Seriously wish I had a time machine. veni veni veni fucked around with this message at 21:53 on Nov 8, 2015 |
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Nov 8, 2015 21:50
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i love this guy and video so much Kleen_TheRacistDog fucked around with this message at 21:56 on Nov 8, 2015 |
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Nov 8, 2015 21:54
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NESguerilla posted:Being debt free (or maybe something small like a car loan) is the only way to live with any sort of peace of mind. nah a mortgage on a small apartment is not too bad as long as you live somewhere where housing prices are guaranteed to not to drop and are overwhelmingly likely to increase
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Nov 8, 2015 22:00
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There's a difference between racking up additional, needless debt and allowing yourself to enjoy your income while you slowly pay off existing debt.
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Nov 8, 2015 22:03
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a happy snowman posted:Eh, I'm 46, I saw a whole generation right after me get caught in the Boomer trap of 'do what you love' and got into huge debt. The problem is, that was a workable thing before the MBA assholes hadn't started turning the screws on everyone, and that time is long gone. Lots of PhDs in History and Literature staring down a lifetime of student loans. loving exactly. don't turn your passion into your job. turn your hobby into your job.
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Nov 8, 2015 22:09
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I watch other people watch videogames being played by other people and then I put it on youtube for a living
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Nov 8, 2015 22:11
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I'm totally okay with having debt for something like a sensible house. In fact, I'm going to be in the market for one soonish after finding out that my rent price is higher than average mortgage rates in my area AND my landlord doesn't exactly like to pay to keep up his property. I don't think Millennials are necessarily more materialistic, there has been a lot of predatory lending and shady credit deals in the past 10 years. Neither side takes full blame. If I could go back to school, I absolutely would. However my life just doesn't allow for it. I have a coworker that is younger than me and they work full time, go to law school full time and keep up with their family. They get less than 4 hours of sleep a night because their definition of a successful life is never relaxing and always working. They are 24 and will crack soon, I know it.
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Nov 8, 2015 22:21
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but how do i decide what house is sensible w/o going to college?
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Nov 8, 2015 22:22
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ok someone post the thread from the goon who asked for financial advice, but refused to take any of it He kept posting all about his sweet penthouse and car he never drove, making $10k a month with all his credit cards maxed out
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Nov 8, 2015 22:29
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Inzombiac posted:I'm totally okay with having debt for something like a sensible house. In fact, I'm going to be in the market for one soonish after finding out that my rent price is higher than average mortgage rates in my area AND my landlord doesn't exactly like to pay to keep up his property. I only partly agree with you. I think that the entitlement of many young adults leads to a large majority of individuals buying poo poo that they can't afford. That being said, many companies are taking advantage of this and giving kids large loans that they know they can't pay it off. I don't necessarily fathom that people in this world are just no naive that when someone hands them a check for $4,500 they go "Oh I have nothing to worry about, it's like, free money and paying the minimum each month will be fine for the next 5 years... why is my car being repo'd?"
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Nov 8, 2015 22:33
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Inzombiac posted:I'm totally okay with having debt for something like a sensible house. In fact, I'm going to be in the market for one soonish after finding out that my rent price is higher than average mortgage rates in my area AND my landlord doesn't exactly like to pay to keep up his property. Homeownership isn't just a mortgage it has lots of extra monthly costs such as home insurance, property taxes, PMI and also property maintenance.
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Nov 8, 2015 23:02
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hmmm this thread has gotten really boring and du mb give me more jpegs, thanks.
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Nov 8, 2015 23:04
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ThePriceIsRight posted:hmmm this thread has gotten really boring and du mb give me more jpegs, thanks.  millennial though he may be, the young man has some philosophical substance, pedestrian though it may be.
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Nov 8, 2015 23:08
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Kleen_TheRowdyDog posted:
Harmony will be achieved when they all lie dead.
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Nov 8, 2015 23:09
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the modern world is really cool and good: if you try to take out loans to afford to live you are a millennial, if you buy a tiny house or build a log cabin you are a hipster
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Nov 8, 2015 23:44
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Kleen_TheRowdyDog posted:
this young man is depressive, but dealing w it ok.
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Nov 9, 2015 00:08
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Dave Concepcion posted:nah a mortgage on a small apartment is not too bad as long as you live somewhere where housing prices are guaranteed to not to drop and are overwhelmingly likely to increase good luck finding any desirable property in any city worth a poo poo that hasn't been snatched up by cash buyers and then rented for more than the mortgage cost unless you're buying new from a developer you're probably hosed
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Nov 9, 2015 00:15
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amusinginquiry posted:There's a difference between racking up additional, needless debt and allowing yourself to enjoy your income while you slowly pay off existing debt. People rarely point out that it's completely ok and sustainable to live with a car loan, a mortgage, and small amounts of credit card debt. If you're a normal, responsible person you can totally buy a new laptop on your credit card and pay it off over a couple months with extremely minimal interest payments. I guess most of the people you see talking about debt on the internet are completely off the deep end.
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Nov 9, 2015 00:16
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Phlegmish posted:it happened, SA is now a forum for olds Kids today with their reddits and their twitas.  
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Nov 9, 2015 00:20
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Inzombiac posted:
You sound like such a likable person
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Nov 9, 2015 00:31
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| # ? May 24, 2024 14:06 |
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a happy snowman posted:Eh, I'm 46, I saw a whole generation right after me get caught in the Boomer trap of 'do what you love' and got into huge debt. The problem is, that was a workable thing before the MBA assholes hadn't started turning the screws on everyone, and that time is long gone. Lots of PhDs in History and Literature staring down a lifetime of student loans. This is good advice. Sure, enjoy something you can do for money, but love something else more. This image seems appropriate 
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Nov 9, 2015 00:50
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