Why do hard economic conditions affect the white birth rates so much...

post-industrial doesn't seem that much better off either. we just have a new set of masters and fuedal lords.

>Buying a vehicle
Not really necessary in areas with a decent enough public transportation system.

>Home ownership
Completely unnecessary. Just rent.

>Starting a business
That should have been step 1 if you were going to do this.

>Pay off all debt
Debt snowball.

>Nice vacation
>Luxury dining
Don't.

again with this shit.
>don't have fun
>don't own anything
your basically just telling people to accept poverty.

Do you have a better idea?
Should they be bitter and violent about it?

>Renting under any circumstances

t. finishing school while living with parents

yes. that's how change happens. not by sitting around on the sidelines watching rich people have all the fun being content with their scraps.

honestly, this
but not everything
most parts of the U.S. are rural
cars are a necessity
it's the reason why we have such a car culture in the first place
it's an icon of freedom
>just rent
agreed or live at home
not everyone has the option to live with their parents
don't buy into the college meme unless you know exactly what you want to do and you can get out debt free
maintaining is easy
pulling yourself up out of it is tough
what do?

Honestly cartoons like these piss me off. They have 'Nice Vacation', 'Luxury Dining', and 'Travel Abroad' all the way up near the top. Yet most millennials do those things anyways, often even while they're still in college.

Everybody touts around the average $37,000 that millennials are graduating with on average, but they leave out that most of those loans are heavily subsidized and most millennials are now making on average $20/hour. The geometric average interest rate is probably somewhere around 4% for those types of loans. That means on a standard 10 year amortization schedule, the monthly payment will be around $380/month. $20/hr = about $3400/month before taxes. That will reasonably amount to about $2700/month after taxes in most states.

Take away $300/month for a car payment + insurance, $1000/month for rent and utilities, $400/month for student loans, and you still have $1000/month left over for food and entertainment and everything else. And those are some pretty high numbers. Have a roommate? Save $500. Buy an older car? Save $150/month. The reality is that live isn't even remotely has hard as these faggots like to claim it is. They're just totally and utterly irresponsible with their money. If you're poor in this economy, it's your own fucking fault, PERIOD.

You're 3 posts into the thread you buttfucking newfag retard. What do you expect at this point? Lurk more.

>Debt snowball
No. Pay money to highest interest rate loans first, like a white person would do.

you're almost smart. almost

you leave out the fact that federal regulations make it impossible for the companies to hire the best person for the job. they hire the scum, the scum drag productivity into the gutter, then they have to fire people, reducing total hiring.

the average millennial pay is no place even remotely close to 20 an hour. the most competent people have been systematically driven out

>Basic fiscal responsibility = poverty
No, you're just a lazy fucking retard. Stop spending $40 at the bar every weekend and eating out every day and you won't be poor.

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interesting priorities

>the average millennial pay is no place even remotely close to 20 an hour
>i don't want to believe that i am a retard, so i just say things aren't true even though they are
paychex.com/sites/default/files/2017-10/The Rise of the Millennial Employee Special Report_Final.pdf

>Literally every other race has been breeding like rabbits even through the great recession.
Herro.

typical zerohedge retard response

>tfw join military
>go overseas see shit while saving what little money I get
>come back to the states
>throw down payment on car I like without remorse
>insurance paid off in full for the year
>ahead on payments
>GI Billing it

and they called me crazy for enlisting for Israel

>buying a vehicle
>hard
Car dealerships will fall over themselves to offer literally anyone financing on a beater. Auto financing debt is second behind only student loan debt in America and recently surpassed credit card debt in general.

It's forum sliding. The shill groups have been so utterly ineffective at hijacking the board that now they just post clickbait threads in hopes of keeping us from investigating their gay ass conspiracies and shit. Imagine if the autists were out there doxing democrats full time instead of shitposting in 1 post by this ID threads.

>paying off your debts only after buying a vehicle, starting a family, becoming a home-owner and starting a business
Damn, makes me want to become a banker just for the interest from dumb goyim

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fpbp

trusting those numbers

they literally just completely manufacture the job creation numbers from "anticipated historical job creation." pay data is derived from the job creation stats, the job creation stats never deviate by more than .1% month to month

Yeah everyone makes 20/hr faggot. How does that math work on 10?

>$1000/month for rent and utilities

LOL. In a major urban area with decent jobs, rent alone will be around $1700-$2,000/month. Fuck off, Boomertard.

boomer faggot

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>it's because of the recession
Yeah and all through the medieval and industrial age white countries had really low birthrates because they couldn't support their children, and white population didn't explode to the point whites set out to colonize the whole world.

It has nothing to do with consumerism, decay of the family values and feminism. It's that damned recession.

you fucked up. you should have got your degree while you were in. Your mos isn't an excuse. I know green berets who completed their whole bachelors while in active duty.

Debt is very useful to leverage, especially if you’re starting a business. If you’re making bigger returns on investment than the interest rate you’re giving up money by not taking a loan.

Because white people still work. Work doesn't pay more per child, welfare does.

Well, I'm broke dick on limited duty (navy) at a hospital and will out in a few months. I've been chipping away at general ed classes so I'm in a pretty good position.

it used to be economically advantageous to have kids
look at all of the things kids used to achieve off of your picture
>Starting a family (family)
>Maintain/build the home (One-shared multi-generational home)
>they'd be farm hands (business)
>Emergency fund (family cared for family)
>Luxury dining (split roles meant significant time was spent in food preperation by dedicated members of the family)
also not listed but
>Retirement plan (Maybe one of your 8 spawn would take care of you as you got old)

having kids -> improved quality of life
but now
having kids -> decreased quality of life

Why is it this way? The progress towards globalism, debt, laws, etc. All the classic Jow Forums (((villains))).

You're forgetting the part where it's a huge gamble and if things don't work out, you'll be eating out of the garbage in no time.

Don't get lax after you get that dd214

Risky short term, single order thinking. Read Incerto you dumbass.

>starting a family step 2
>before owning a house
>paying off all debt isn't step 1

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I already got a plan. It's just a matter of execution really. I'm on TA at my current school and I just gotta switch to GI Bill. The BAH rate is pretty damn high where I am and I can do work study tax free and year round schooling to get max bucks. The only think I'll lax on after I'm out is probably my shaving haha

This picture is everywhere on Jow Forums and it's designed to aggravate people who see those flaws.

>rent is $1000/month with utilities

Yeah if you want to live in a cockroach-infested shithole next door to Tyrone and Bonquisha, that sounds about right, you fucking boomer faggot. Meanwhile you left out everything from health insurance to incidental costs, such as parking, unforeseeable expenses (medical!), and others. And where the hell did you get $20/hour? I don’t even buy that figure for college graduated millenials, much less the ones who took associate’s degrees. I know because I used to do hiring for skilled trade positions that were starting people out at 13.50/hour who already had two year associate degrees or equivalent.

You’re the typical loudmouth retard who thinks his 7th grade math analysis is on a par with The Wealth of Nations. Fuck you, fuck Ayn Rand, and suck a circumcised cock my kosher friend.

I was just kidding around. Your doing going user. Study something honorable, wife up a white cutie, and start a strong family. You'll be good

also i hope the navy hospital can fix your broken dick

Working on a BS vice a BA. I won't have the American tax payer cover a meme degree for me.

That's not what's broken. lol

Thats great bro. I'm doing the army soon because i had to leave college because i ran out of money and don't want debt. actually looking forward to it

coulda just went to a trade school and been making over 50k in your early 20s and had almost no debt, instead of going to some libtard college and signing your life away to study some bullshit

Shop all branches. If you tell me what you're looking for, I can recommend a branch for you.

your numbers are seriously low for anyone living in a city.

Economic conditions got shit to do w/ it Trailer trash still havin kids Over educated bitches aint

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White people have standards for their children.

Minorities with the exception of some Asians don't care they can't afford clothes that fit for their child(or 10), a nice house, good neighborhood, school system or toys.

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>student debt
>medical debt
if it's so bad how about you dodge them both?
stupid yanks

>not starting the business before doing any of those
Why?

Basically this, people just suck with money and demand instant gratification.

because that requires effort beyond consumer choices, thus precluding 90%+ of Americans from success

>LOL. In a major urban area with decent jobs, rent alone will be around $1700-$2,000/month. Fuck off, Boomertard.
Average pay is also higher

>most millennials are now making on average $20/hour. That will reasonably amount to about $2700/month after taxes in most states.
Where did you get that number from? See pic for actual numbers.
I make that after several years of experience, and I'm always on call and usually end up working 50+ hours.
>$1000/month for rent and utilities
I live in a place where there's a crackhead on every block asking for cash, and I'm the only white person around. You still need a roommate to go below that threshold.

>Yet most millennials do those things anyways
Just the trust fund kiddies.

>Buy an older car? Save $150/month
Old cars are shit and break down, costing you more time and money than just getting a decent one.

Attached: millenial median income.png (730x480, 37K)

>20 an hour
you mean 12 right?

>Literally every other race has been breeding like rabbits
Birth rates are in the dumpster throughout most of the world you fucking retard.

because only whites and asians wait until they are financially secure before breeding

>Access to unlimited credit for investment
>"hard"

>buying a vehicle is a bigger hurdle than home ownership
lol nope

Lol 40 dollars... I have a problem.

Capitalism based on unlimited debt is truly the best system.
National Socialism would never work goy.

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Whites are more affluent than most of the other groups. Higher Intelligence+ Affluence correlates to lower birth rates. The birth rates were like this before the recession. The economic conditions on the average white in the western world weren't very hard at all. At worst, most people lost their job and collected unemployment for a year. Most of the people who were effected in worse ways were older people who were near retirement or the minority of people who were dumb enough to try to flip houses.

Why is the house up so many steps past the home ownership step? This cartoon is kind of retarded.

K selection race*

Because whites expect a high level of comfort and security. Having kids, as we all know is very expensive, all the more so if you plan to raise them properly, unlike the nogs.

No, it's cultural. Europeans used to be R selected.