>be 29 >work enough hours to get by thinking it'll be enough >7 years go by, I've managed to save £15K and put a deposit down for a house >Family chip in like the power of friendship from anime >I'm going to make it... >7 months later I've come to the startling realization that no matter how much I save it never seems to be enough. >I went from spending £20 a week on food to £30 a month and just eating admiral pie with an odd tomato for supper and that has to last me all month. >I eat like a horse at work to make up for it. I'm blessed to get lunch for free as I work in the catering sector. >I'm fucking nikled and dimed everywhere, council tax, car insurance, home insurance, TV LICENSE (Yes that's a real fucking thing) mortgage.
>Every month I try to save more and more but it always ends up being the same I spend the same amount on fuel every month I clean my car myself I even grow my hair ling in the winter and get it cut once a year at the barbers in summer.
>I've even got a 25% government backed ISA where I can put in up to £4K a year and they will pay 25% on that 4K (an additional £1K ) >But it still doesn't seem like enough.
Sorry for the blog, anyone else get this feeling often? are we stuck with never having enough, or just wanting more?
Even if you made 80k a year for 20 years that is 1.6 million, do the math. Subtract taxes, living expenses, cost of children and their college and living expenses, and you will see that you will still never have enough money to retire. In the end you might have 200k saved up, which is what? 3-4 years of living expenses?
You will NEVER get ahead, that is the redpill in today's society. Meanwhile these faggots shill for their corporate overlords and their ability to rake record profits while charging more for their products and paying less and less with each passing year.
The plebs are getting conned - big time.
Kevin Wood
iktf brah. Getting absolutely jewed every damn month from bills that really should not even exist in the first place. Kinda want to sell my house and move back in with my parents at 29 just to save more to put into bitcone.
Christopher Gonzalez
My dad graduated college in the 80s - his first engineering job paid 45k a year
Graduates today are getting paid the same in most places (part from SF and NYC)
Charles Ramirez
Increase your income retard
Cameron Reed
only if you >lived with parents >spent your extra money on buying bitcoin
Landon Taylor
you probably think you seem really intelligent by posting this but everyone else reading it just thinks you're a fucking idiot
Cooper Baker
>Dude, just get a better job lmao I mean I have a few ideas I want to try but it all depends what's down the pipeline.
Bro, if I have even 500K I could turn that into a million in 10 years I would literally be set for life I have the best house picked out for such an occasion, it's my home where I used to live, I'd fucking love to buy that shit and have the best time of my life where I had the best times of my life already.
Bentley Barnes
yep, that's what really bummed me out. The salary, the taxes, the entirety of society is purposefully built so that you have to keep working all your life. It's not an accident whatsoever, this is what society needs from men. Only thing is: I dont want that.
Owen Hernandez
>7 years go by, I've managed to save £15K and put a deposit down for a house
The moment I gave up all hope was when I realized that over the course of a ~25 year mortgage the interest amounts to roughly the same price as the house itself. So if you buy say a $400,000 home you end up paying approximately $400,000 in additional interest on top of the $400,000 principle and unless you catch the market at a low there's no guarantee your home will even appreciate enough to offset that interest rate over those 25 years. Not to mention you build almost zero equity during the first 5-10 years of a mortgage, so if you're in it for financial/profit reasons you're entirely dependent on a booming market to inflate prices so you can sell at a nice profit. Whole system's completely stacked against our generation.
Elijah Allen
Move to London mate.
I started out of uni on 35k and after 1.5yrs I'm on 43k plus bonus. Some of the guys in the office are on 65k at 26 and anyone good in their 30s is on 80k+
This is an average company too. I know a girl at a lawfirm on 105k at 26.
Go to the place with the most opportunity and work hard. If you fail then go back to your miserable home town and become a drug dealer
Christian Torres
you are from UK too. its bad here friend. especially in the south east. I think it might be in one of the worst places in Europe right now for people trying to get ahead. Only places like Tokyo and Taipei or Singapore exceed housing costs compared to living expense and wages in the entire world now.
In Europe they dont have a culture of buying homes like we do. we were shilled this social dream to get us into debt, but now current generate cant have it. previous generation still shill the dream though so we all march towards a shitty life trying to obtain it. banks help promote it. Basically nobody who doesnt get huge financial help from parents makes it anymore. be that Uni paid for, massive help on deposit, etc. yet our collective success symbols are the same since 40 years ago. UK is once again Victorian. Americans complain about their housing bubble? come to south east UK. The weird part is how social media is making it even harder to decipher anything. it paints a huge illusion of who is successful or not. because its all fake. I know people driving Mercedes and new BMWs who live with parents, etc.
any way that there is or has been to make money for the little man - some kike has inserted himself into that position to offset any benefit that there otherwise may have been in the past.
most of these remaining investments are memes carried on from decades ago that have since been Jewed to death
Gabriel Watson
they want your parents to help you, to invest, so (((they))) can skim off the top the difference of any remaining wealth that is in your family/community
Robert Jackson
Y'all niggas need to move to Swizz. Saved up 5k in half a year as an intern then I got a contract and save about 30k a year
Asher Thompson
So what's your actual monthly income and expenditure? 20/week is very low on food, though I don't spend much more than that. If you're that frugal in all areas then you should have more than 15k saved after seven years.
Have you considered cycling to work? Saves a shitload of money and healthier.
Thomas Gonzalez
that's the point retard - you will probably never save 500k, maybe 20 years from now in which case you are already 45-50+ years old. then maybe you can make some money for the remaining 10 years of your miserable life. Ooops! looks like you have some surprise medical expenses. it's over
Henry Brooks
You know, it's odd I've literally heard that story of BOSSES, living with their parents and they still have the nerve to buy a mercades or even a fucking lambo in their mid 20's but not put down a deposit on a nice house. Society is becoming warped, I'm both excited and anxious to see where we will be in 20 years.
Samuel James
kys nigger parasite
Jeremiah Long
Start a business to dupe retards.
Xavier Perez
>Surprise medical expenses >£
Are you fucking retarded? say it with me "SOCIALIZED MEDICINE"
Austin Butler
its weird, but not warped. its the product of our times. If we really break it down, a home is nothing more than a success symbol to most people in the UK now. you can get a roof over your head and rent in worst case. most people dont consider future because to the average person its hopeless. (investing is over a normies brain, and even to whose who are red pilled on investing, we know stocks are in a bubble). So the next "logical" thing to do for status is buy a nice car. thansk to social media, nobody needs to know you own a fucking £40,000 car but live with parents. it achieves the end goal anyway for most guys which is status. hell most of them spend it all on holidays and a half deposit on a financed £40,000 carm end up paying even more for it.thanks to social media age, you can hide anything that doesn't give you status. our generate is a product of this weird digitization.
Even buying a home now is fucked anyway like OP explained, for the average person. UK didnt even get a housing correction in 2008 as severe as USA did, it was a smaller pullback followed by a faster recovery.
Jacob Williams
somewhere along the line with the introduction of (((banks))), we transitioned from development of technology for the purpose of a better life to generation of profit. it is no longer an economy based on production or innovation, it is based on consumerism. our technology no longer serves us, it is used to enslave us. we don't need 300 different variations of a toaster, and new models each year - but this is where we are at in society. for what purpose? each person could probably work 10 hours a week and we would still have all of our basic needs/wants met.
Bentley Gomez
nah man, we are in an endless cycle of exploitation. Human beings want slaves, not free men. Free men cannot be controlled. There is always pushback and periods of more freedom but mostly people have always treated each other badly on average I think.
Jace Nguyen
You can apply to not pay the TV 'loicense'. I read complaints about the whole TV license and investigated; it turns out there's a website where you can state you have no TV and don't have to pay.
Nathan Rivera
I'm in the UK
I owe £150k in capital gains tax on crypto for 17/18.
Even if you make it you will never truly make it
Alexander Green
Capital gains is 20%,after the first 11k (tax free before that). This is for every tax year, which runs April - April Using your figures, you made 761k in profit and didn't spread it over the tax year cycle or reduce your liability via countless methods.
