That money is burnin a hole in yo' pocket, ain't it?

I'm a sommelier at Popeye's and the owner just gives me access to the company bank account so I can take money out whenever I want. He says I'm not supposed to take more than around 300k per year though.

Buy real estate. Then continue to save and buy more. When you're 65 you'll be able to retire comfortably with literally millions in assets.

It's not complicated. Don't spend more than you earn. Save anything extra. I'm not rich, but I'm never broke.

Why should I care about having money when I'm a boomer? I have a healthy body now, won't have one then. Delayed gratification is overall great, but travel, experiences, etc. are worth more in the near-mid future.

I decided to watch that garbage
>"Earners support the service and each other by taking what they think is fair"

So it's a communal fund? aka communism on a microscale? Wouldn't this blow up immediately with everyone overvaluing their labor?

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Move, rent your (old) place out. Repeat as often as you can. 30 years later you'll be a millionaire with other people paying off your mortgage(s). Want to take money out? Sell a house or preferably just refinance.

I get my salary one month after and I have never had a problem with this

Depends on what you mean by "rich." Will you be a millionaire with frugality and effort? No, but you can live a very comfortable life and have a good retirement.

How common is getting paid monthly? Blue collar jobs in the US are mostly paid weekly, sometimes bi-weekly, but I've never seen monthly pay for employees in the US.

Holy fuck we all in europe get paid after 1month its a non burger thing.

Interesting, I would have never guessed that.

I have never heard of anything different than monthly here. Some jobs you get your salary the same month you did the work, some months you get it the month after. On the 25th.

that's called usury and is worse than murder

I'm on the same boat. My 401k is being matched at about 500 a month, while I'm saving around 3k a month on the side. Thinking of getting rid of the 401k. I like being able to access my savings

Pajeet created Earnin
krannert.purdue.edu/events/exec-forum/speakers/01 2018-spring/09 - March 23.php

Dave Ramsey's a common-sense salesman. If you want to make some motherfucking money you bad to listen to only one man: Dan Peña.

youtu.be/nYadA3UY2CA

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Nigger app. Even sounds like nigger speak "EARNIN'" GIBS ME DAT PAYCHE' CRACKA-ASS

I mean, I feel like putting a little into a 401k is not a bad strategy. I'll try to put at least 5k in this year, so that were I to quit the job, I can keep the money in that account and it should grow to ~200k which would be a nice emergency fund.
Alternatively, if I stay a salarycuck, I'll end up with 3mil by retirement, and still would have had a bunch of liquid assets while working, so not bad either.

All State employees and some Fed.

They're right. It should be monthly.

>that's called usury
No it isn’t. Loans with predatory interest is usury.

This jeet is basically just making payday loans into 15-day payment annuities and charging people that can't do math. The "tip" can't be the only money. It's either laundering or data.

If you need to move money from the future get a credit card, you dumb niggers.

Wrong I’m a state employee and get paid 2x a month.

>That money is burning a hole in your pocket aint it!
Sure is! Tonight alone I dropped money on 2,500 rounds of ammo.

Those things are dirt cheap to do when you’re young, when you’re old you’ll want money for comfort (and you won’t feel like dying even at that age)

what is your argument? i expect to be paid every week, not every two weeks. this is valid.

There's some truth to that. Thanks for oyur input, wise nip.

Read Unshakable by Tony Robins (good beginner book), watch some Dave Ramsey videos on Youtube. Learn about index funds and hedging according to your age.

The US would collapse if the workers were paid monthly. They never learnt to be responsible and live paycheck to paycheck.
Not that it's way better here but at least we can finish the month.

Find a right balance, do you really think you need millions at 65 ? Quite sure below 1 is more than enough.
If you travel on the cheap, one year will cost you around 30k (could be well below of course but might not be for you).
If you can afford it then you should do it once.

I'm 30 and took already 4 years off and still have 70k spared. I won't need money for retirement though (state gives it).
I come to the US whenever possible for a few months, I'm coming next year I can't wait.

No, you choose what you pay to them as their fee. I'm not sure how they plan out what is available to you to pay. Must make your normal payrate available day to day then true the account up when your check hits their account. Also your money is in their account so they are most likely making money off that in loans and investments.

>Find a right balance, do you really think you need millions at 65 ? Quite sure below 1 is more than enough.
This is the worst advice I have ever read on Jow Forums, and I've seen people advise others to kill themselves to join anime waifus in heaven.

any interest at all is usury. it is condemned in most religions sites.google.com/site/livingwithoutmoney/Home/what-the-world-s-religions-philosophers-say-about-the-crime-called-banking

>tfw Paycheck 2 Paycheck retards can now zero their bank accounts daily rather than fortnightly, able to afford even fewer "big ticket" items

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I know most state guys get monthly but what kind of feds? They are usually every 2 weeks.

>afraid of stock market
Buy index stocks, hold forever

im currently a paycheck to paycheck retard but im working on it

K?

That is such a fucking scam. Ordinary joe blow can never bretter themselves through investing. Why are all the financial advisors people who have crashed their own economy and now make money advising others about economy?

So they just loan you your money?

So you're saying dump all of my savings into Bitcoin?

If you think the mainstream market is a scam meant to ruin Joe blows and enrich the elite, short the mainstream market. Put up or shut up

* fucking autocorrect

Why would I bet against the markert if I believed that? Betting against the smartest system ever?

Stop buying candles damnit, you don't need them.

If you're aware we are in an overvalued manipulated scam bubble it's pretty easy to come out on top. A lot of people for the past year have recognized how overvalued the market is and for the past 3 months a lot of mining stocks and foreign energy stocks and even precious metals have been basically creeping up. Of course the market is a manipulated scam, but once you become aware of that it becomes pretty easy to make a rational decision

you're sorta right OP.

I don't live paycheck to paycheck, more so day to day, given the nature of my work.

But I fucked my life up when I was 18. I have no one to blame but myself. I just turned 26 and I'm still dealing with the consequences of my own actions.

No amount of hard work and discipline can unfuck the most important time in a young man's life once it's fucked.

I'm making the best of it though.

thx man im tryin

Why you burgers live in permanent debt?

Take advice from a pro:
- live below your means
-if you earn 1000, only spend 800
-It's easier to save money than to earn money. Meaning :you will have to work more to earn extra income, but you only have to be intelligent not to blow money
-Never invest in stock market and other kikeries. Only investment in things that don't risk your capital.

Yes. But in my country you have to be an institutional investor to be allowed to short anything at all.

True. My fucking family spend all they earn, then something comes up, blow a tire, bro can you help. Hit and run in a parkinglot, can you help. Need dentist, can you help. Need ammunition for competition, can you help. Need help with TV license bill can you help, got credit card debt can you help, need camera for insurance, can you help. God there are so many more too. Take your pick. Why the FUCK must I be the only financially responsible person I know??!!

>buy my book goy
shoulda known

dan pena is based and redpilled

Same. I'm not very well paid yet I still saved up enough for a substantial deposit, the only problem I have is that I don't earn enough to qualify for a larger mortgage.

Buy 4-week Treasury bills at TreasuryDirect.gov and constantly roll them over.

Don't read or believe anything these frauds/marketers tell you about your money unless you want to loose it. Tha fuck does Tony Robins know about your money fucktard?

Tell them, I have already help with the dentist, the TV licence, etc,etc.now I don't have any money.
And if by some reason they have access to your account, just make another and transfer surplus money to it.

Does this app have over 500% interest? Yeah, I learned my lesson back in 2007. Thank God they're outlawed in my state. I've been content with living paycheck-to-paycheck for as long as I can remember. This is the best I will ever have it due to my lack of qualifications.

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401ks are eventually going to be socialized by the government to pay for gibs and bail out social security.

Invest.
Choose a couple of ETF's (e.g. Vanguard's S&P 500) and maybe a couple of companies if you're brave enough.

Fuck that I could die tomorrow live fast my nigga

>Only investment in things that don't risk your capital
Examples please

teachers are paid monthly

I’m a contract consultant and paid when I submit invoices. I’ve gone 4 months between payments. Fuck I hate taxes.

Story time?

I was a total fucking loser in my 20s, but I'm in a skilled field and I know I'm making an impact on the world around me.

It is never too late bro. Even if you have a felony, keep pounding the pavement.

I will fucking chimp out if that happens. I worked my fucking ass off...

I can give you example of this in my country, perhaps you have similar in yours. Public debt guaranteed by the state. Pays low interest, but you don't pay any commission to the bank and you never risk you capital. it's a loan you do to the state, like treasure bonds.

Now my old ones pay 2% year. The new pay. 65 but will increase. Never invest in stock and other stuff, you may risk losing a lot like in 2008

hahahaha

There is no no risk investment option. If you are into state issued bonds, please search state bankruptcies. While the risk is low, it is not zero.
The common way to reduce risk is investing your money in more than one place. This i common knowledge and is called an investment portfolio. Thus the chances of loosing all is much smaller as all assets failing at once means a KT-boundary asteroid hit the earth, flat or not.

Are they retarded does she realize that pay has to be adjusted sometimes. Is she going to do that manually for every employee?

Dave Ramsey's a religious fucktard and his bullshit is basic 101 common sense shit.

He's a fucking kike looking to sell shit

My first job out of college paid me monthly. I didn’t mind it. I heard only 5% employers in the states do this though.

Cool man where you going in the US?

in Norway we get paid every month

getting paid biweekly is the shit. Getting paid daily would be so fuckin gay. Why do niggers and thots have to ruin everything?

80% index funds
10% Chainlink
10% silver

are the goy going to demand to be paid daily at some point?
eventually these slaves will demand company stores and other controls on them, retards
i absolutely hate people and their moronic use of the resources they're overly provided.

True. Sadly. Like when stores were doing "buy two get three for the same price" on everything. Women all over the country were up in arms and jumping on the MSM bandwagon narrative, virtue signaling. Well the groceries said "fine! Hehe" and we haven't seen an offer like that ever since. FUCKING BITCHES!! They WISH they had three for the price of two now.

*grocery stores

I'm not about to read his shit, but I buy houses whenever I get 20k above if I feel I can hit a positive ROI in 2 years.

This actually makes sense though. Have fun loaning your money to (((businesses and banks))) interest free for 2 weeks.