40% of Americans live paycheck to paycheck

>because of predatory interest rates on credit cards
Then don't do that.

40% of americans are dumb shitskins with high time preference

Oh look it's the Nordic Model here to fuck up your ghost-of-Chavez strawman. How about some free market capitalism with a unionsed worker, comprehensive welfare state, and strong social safety nets? Because I don't know if you've seen the World Happiness Report, but the top countries follow this model.

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Read it again, but this time think of it as a person who qualifies for an insufficient amount of federal loans and has to substitute the difference with a credit card in order to get a degree and have access to better jobs. This isn't a shopping addiction, it's an actual thing lots of college kids have to engage with, especially if they go for a Masters in a field where you can't just stop with a BA like Engineering, Computer Science, etc.

they've been conditioned to by their overlords, ever see a boomer lecture a CEO about sucking it up, buttercup, go without luxuries for a few weeks so you can give back to the community, etc.?

Every millennial who has ever signed a loan apparently enters into some sacred covenant with a fucking bank but those with the most power and wealth are absolved of all responsibility to their people, culture, environment, and especially their workers. Fuck boomers and fuck kikes.

you're just bitter and jealous of the rich.

based tortimer poster

>e-everyone is jealous of my success

an American at heart

HOW CAN TRUMP

BE SO

FREAKING BASED!?!

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What exactly is your solution? You living paycheck to paycheck isn't my problem and just because you have a bleeding heart doesn't mean you are now morally entitled to my money to 'lift up' the dregs.

40% of Americans live paycheck to paycheck
40% of Americans are also nonwhite

Wow, that was a very difficult correlation to deduce. Nonwhites and women already get all the welfare in the country to begin with, so yikers if you want to give them even more.

You can give retards all the money and vacation days in the world, but retards are low IQ and they dont suddenly go "wow, I'll save this money" or "wow, I am happy to have x days of vacation". They just consume all their resources up and blame rich people.

Fuck off faggot. I am a chef, people need to eat, I think I have valuable skills to offer. The entire industry pays fucking garbage. The cook or chef or even a dishie at the nicest, 95 dollar a plate eatery, is making the same as some teen at mcdonalds. I cant even afford to eat the food I make.

Yes. Especially the daily baby plasma injections which makes you look like a god.

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variations of tortimer
layers on png circa 2002

>sign a contract for money loan
>get money loan
>don't want to pay it back
>fucking boomers

Now somebody's talking sense. I can't explain to you how many hard workers I know who do nothing outside of sleeping, working, and eating coupon-tier rice-and-beans style food. They're living paycheck to paycheck, and anything they cut from their lifestyle (functional cell phone, car that doesn't randomly break down, place to live with running water) would interfere with their ability to keep their job. Yet every time a "why are millennial so poor" thread comes up, the kids get blamed instead of the myriad things upper class asshats have done to fuck them.

No, they don't have an iPhone. No, they don't eat anything for breakfast besides beans and rice. They don't drink, smoke. They don't go on dates. They just show up on time for work every day and live lonely lives, occasionally applying for the same job on Linkedin as 400 other candidates. It's pathetic we've let things get this bad.

Yes. Fuck boomers, and fuck the crony capitalist shitbags who pay our politicians to let the world burn, crumble, and die so their apocalypse can have velvet linens and wagyu beef.

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>40% of Americans live paycheck to paycheck
>40% of Americans are also nonwhite

lol boomer takes a crack at a syllogism, fails miserably. stick to selling fucking fence posts or whatever inane bullshit you call "contribution" to society

>have billions of dollars in offshore tax havens
>it's the people at the bottom who are at fault and need to be taught to honor the social contract

lol you couldn't make this shit up, I want bash your face in with a shovel

Even 30 years ago you probably would have made decent money. The focus should have been nice establishments, less buildings with beautiful architecture, and quality food and people.
But instead, we got Plastics. Both humans and every other aspect of society.

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I'm white, make 38k a year. I live paycheck to paycheck but we got a couple kids. Not impossible to do (I'm in Texas so cost of living is great.) Honestly though when I see stuff like this I wonder....are people just supposed to increase their net worth their entire life? Is there something wrong with living without putting a bunch in savings?? I guess it may not be super fiscally responsible, but I pay my mortgage, all bills, have 2 used cars bought in cash, and contribute to my 401K. Still live paycheck to paycheck tho, but I'm okay with it.

You can thank your hispanic brothers and our overlords for flooding your industry with cheap foreign slave like labor lowering your wages and job opportunities. Plus, those kinds of jobs Americans aren't willing to do, remember. So let Juan have your job and surely you should get a better one with no problems.

that feel when I'm 40% proud american

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Okay, lots of shit is fucked up with the "system" right now.....but people having to pay back shitty loans they were stupid enough to take out is not one of them

My solution isn't to come after your money at all, faggot. I'd wager everything in my bank account you are personally not worth $10 million dollars or more. Those are the fish I'm after. You're posting on Jow Forums, you're not the kind of upper class society needs to be concerned about.

How much money is enough to where it becomes irresponsible to hoard? Sane people believe there are numbers. Taxes on people who have more money than they could ever spend so that society can have programs that keep homeless off the street. School kids fed. Police well trained and equipped with tech that keeps them safe. Some people have too much money.

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why are you even defending very rich people? im not saying people who work hard, you know who.
huge concentrations on wealth (=power) is a threat to the “free” man as much as a corrupt goverment is. no amount of b-but changes the fact that a tyrant doesnt necessarily need government power, it can take many shapes and forms

>College
There's your problem

I hear you man, my family's been personally fucked over by greedy, heartless cunts who were only in it for the money on two separate occasions.

it's hilarious how only kids in a certain tax bracket (and 50K in the hole, no less) are supposed to suck it up and live like ascetics while their masters rape and pillage this planet to the quick. fuck these bootlicker cunts

Nigga I live in NH. There aren't any juans here. The entire industry just pays garbage, though im sure all the juans and marias down south dont help.

lets just end the fed and invade the cayman islands, bermuda, the bahamas, and re-invade panama

>boo hoo think of the banks

Lmao fuck you and fucking loans

The US isn't even 1st world anymore.

"we dont spend enough on israel"

youtube.com/watch?v=dxE_UUrbMNA

Pay it back, Trevor

Not on your life, shekelstein

I put most of my paycheck into savings and then pretend to live paycheck to paycheck. Really makes you want to save when you look into your spending account and see you only have $50 for the rest of the week.

Sounds like you chose a shit career despite all the overwhelming information.

I have no sympathy for big banks. But I don't think people should just be able to ask for free money. What would happen if I just stopped paying my mortgage?? Should I stop because Wells Fargo has more money than some countries???

Stop buying fancy shit you can't afford. Stop ubering yourself and your food. Learn to cook. Bring your lunch. Buy a used car. Live within your motherfucking means.

Problem fucking solved.

Well, yeah, there is a problem having no safety net or savings, especially if you have dependants. What happens if you or your wife get sick or injured and can't work? I know its hard to save, but dude, please look into some way of getting some rainy day money because your life can go to utter shit faster than you can imagine. Even a $5k cushion can be the difference between home and homelessness.

I did for sure, but it sucks having a passion like that where you just cannot succeed. All the chefs I know make less then the servers, the only way to make a living wage is to transfer to general management, which means im no longer doing the menu or cooking.

It isn't about the loan you fucking chimp, it's about the hypocrisy.

Either we ALL follow the rules, or NONE of us do.

Lol go tell a CEO to "live by his means" fuckstick

Why should I care if 40% of Americans can't budget properly. Before the government starts taking more of my money to give to these people let's start doing mandated budgets with jail sentences for doing things like buying a new car while living paycheck to paycheck.

Our safety net is always our tax return money, helps us get through the year. Sometimes shit gets tighter than others but shit has been okay so far

Probably about 60% of people are fucking retarded, so I'm surprised it isn't higher.

Not an argument. He is living by his means. Take your class envy bullshit and cram it up your ass. The world don't owe you shit. Toughen up buttercup, and pull those bootstraps and belt tight. My sympathy for miserable shits like you is zero.

>ehh son, firm budget right in the handshake

end it

This. /thread

What RULES are you talking about?? Offshore tax havens???

>it's an actual thing lots of college kids have to engage with, especially if they go for a Masters in a field where you can't just stop with a BA like Engineering, Computer Science, etc.
BA in Engineering, CS....holy shit you are dumb as fuck. Once you get a BS in those fields you're fine. Only poos get the MS.

I dated a rich girl one time. Related to a former president, no less. Real, old school money. Watching her live life without consequences, any means to contribute or get her shit together, and be heralded as some gleaming social beacon of excellence because she always had a net made of benjamins to catch her was pretty eye-opening.

I spent the first 3 years out of college poor and alone. Nothing but work, applying for better jobs, and sleep. Lots of interviews that went well and got me nowhere. Lots of rice and eggs. Now I'm making 90k a year, but the idea of other people going through that kind of soul-crushing bullshit for no good reason haunts me.

Our tax code needs fixing. Tuition charges need to be regulated (or better yet, make state colleges free like Germany). Right to work laws need to be repealed so employers need a reason to fire their workforce and unions can negotiate again. Lots of change is hopefully to come. I think the kids attacking the working class in this thread are just too young and inexperienced or stupid by way of being cruel to sympathize with the average worker's plight.

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>class envy

I don't envy your lives at all, not all of us are hypnotized by toys and trinkets in our 50s like fucking children

>employers fire employees for no reason
user

90% of folks are idiots when it comes to building wealth. Fuck 'em.

You guys are really in denial if you think the 40% of people living paycheck to paycheck are the same 40% of Americans who are non-white.

The same rules that apparently demand millenials have an honor code in dealing with banks (lol) and corporations (AHAHAHA). Give me a break, you're pathetically naive.

>I think I have valuable skills to offer
They are not worth more than you are currently being paid. By definition. There are many others who will take your place in a heartbeat. That's your problem. You need to upgrade yourself.

Come on guys. Working is all so tiresome. Lets try socialism. It hasn't been tried by white people yet.

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>the wealth you built over the course of your life should not go to your children but instead be used to make up for my lack of skills and personal industry

>I literally can't stop thinking in binaries, om nom nom nom nom cock

there has never been a people that defend their slavemasters quite like Americans do

Maybe don't go to college if you cant afford it. The world still needs ditch diggers.

Dude, I get that you're frustrated. But it wasn't capitalism that did this to the USA. It's facism. We've been living under a controlled system for at least 40 years. That's why there are no good jobs. The centralized government is not your savior; it is the tool that has been used to fuck this country.

America IS wealthy, it's just Americans are fucking retarded.

>my spending inflated to fill my paycheck, pls help

americans are also massively obese.

Being the wealthiest doesn't mean people don't blow money like niggers. Look how many millionaire nigger athletes go bankrupt each year.

>people at the top refuse to contribute to society
>why do people at the bottom refuse to contribute to society?

it's a mystery

That is the issue im getting at though user, there is no "upgrade". Ive been head chef at the best fine eating places and ive been dish bitch in a corporate chain. Its all the same. The dude doing your dishes at a chipotle makes about the same as the guy making your menu at some upscale 8 course place.

Boomer tier nonsense

>dumb shit skins
“high time preference”

This is how it always starts. Then the threshold just keeps getting lower and lower. Then you're in China or N. Korea and it' all fucked. There should be no income or property taxes. National sales tax of about 17% would take care of everything.

once you get exposed to what the bigshots at all your little jobs are like, you get disillusioned fast. it's cutthroat, its greasy, and it's all about money.

for as long as I've been alive I've never been able to muster up the energy and ambition these goobers can for money. I don't understand it. and I don't ask for much, I'm fine working a grunt job if the wage was livable.

I would venture to say that 40 % of Americans have always lived paycheck to paycheck.

Well i read this on EU's own gov pages(ec.europa.eu/trade/policy/eu-position-in-world-trade/).

Is it true or not? please enlighten me.

* The EU is the largest economy in the world. Although growth is projected to be slow, the EU remains the largest economy in the world with a GDP per head of €25 000 for its 500 million consumers.

* The EU is the world's largest trading block. The EU is the world’s largest trader of manufactured goods and services.

* The EU ranks first in both inbound and outbound international investments

* The EU is the top trading partner for 80 countries. By comparison the US is the top trading partner for a little over 20 countries.

* The EU is the most open to developing countries. Fuels excluded, the EU imports more from developing countries than the USA, Canada, Japan and China put together.

You stupid motherfucker. I've been on my own since I was 17. I worked multiple jobs. Construction, trucking, line cook. I lived in a bullshit tiny cramped studio apartment. I saved up enough money to buy a foreclosure. When it was all fixed up, did I live in it? No. I kept my shitty studio spartment. I sold it for a fuckton more. Then I did it again. And again. And again. And I kept my other jobs. If anyone, anywhere called me asking if I wanted to work, I went. I made a million dollars by the time I was 27. Now I own property in three states, including acreage in NC I rent out by acre and operate as a farming coop.

What the fuck have you done, you whining little bitch? Besides cry and get nigger neetbux? Huh faggot?

exactly
ww2 ushered in “big corp”
big corp coupled with big gov
revolving door
= fascism

it will only get worse
work for a corp
work for the gov
or leave

Only fine for a little bit, eat shit and die faggot

Right, we agree. You will never make good money cooking food. My wife is an excellent cook, she even graduated culinary school, worked as a chef in good places. But she quit because it's so fucking grueling. I appreciate her cooking at home, but I actually spend more on our dog than I do on her..

An amazing response by yet another AIDs infested faggot, good goy you are ya cock sucking queer!

I spent my 20s smoking weed and finding God and I don't regret a second of it, lol fuck your properties dude you aren't talking to some chump whose impressed by a paycheck, save that for the stooges

economic worth = human worth is the biggest fucking lie ever propagated by scum like you

If big corporations and big banks take out loans, they should pay them back too.

Do you really think that people get a BA in engineering? in CS? it's no wonder you're poor with no prospects. It's because you're a fucking retard. You were lucky to have been born in the US. In the 3rd World you would not fare nearly so well.

How can anyone learn that if it isn’t taught to them, and if the attitude about those people is “fuck them”? Go blow your brains out

it just sucks dude, I love cooking. It is what I want to do, in an ideal world. It sucks.

Are you nitpicking that the guy said BA instead of BS? Please, please go kill yourself you butt fucking faggot

because 70%+ of people here are lame brain follower mongoloids.

...that's because they are fucking idiots, not because they don't get payed enough.

>he thinks college is an absolute requirement
>he thinks it's a good idea to go to college even if it's way beyond your means
>he thinks a non-defaultable loan is a good idea
HAHAHHAHAHAHA holy shit

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"finding god."
Oh for fuck's sake. "I'm a complete loser but at least I have god."

Nevermind nigger.

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Stop spending money on shit you don't need
>any college degree that isn't stem

youtube.com/watch?v=m6pWEzkbnDE&t=022s

hasn't been tried at all, retard

Yes faggot. They have been leaching off of the middle class for decades and giving the fucking money to the politicians in this country and abroad. The 20 trillion of ((("lost"))) money the Pentagon siphoned off over the decades hasn't helped either. No worries though, the global monetary system is about to collapse so everyone can get fucked equally...except the elite who were the primary benefactor of before mentioned theft. Those people have hard assets the can sell or trade back into the new system and become wealthy again.