ITT: Things that really make you think

ITT: Things that really make you think.

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Yeah, really makes me think how great it is being a NEET and not in debt to Mr. Sheckelberg

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I'm not going to help him OD on some street crack. Give him a can opener and some ravioli.

Are people on this board really all on SSI Disability for being too lazy to work or is this some sort of meme?

That's actually an interesting perspective

>doesn't account for asset value
>lmao you may have a house and car and food and entertainment BUT I HAVE 2.75 TO MY NAME

I hope it is a meme.
T. Schizophrenic who often sees shit, gets bad paranoia and anxiety but still worked pre meds to survive

If the meds do not work maybe your illness is a placebo.

>owning things of material value and equity means you are at a negative worth

Anyonr who thinks this is smart is retarded

Banks only give out loans to people who are likely to be able to pay it back + interest. I.e. low risk.
A bum is just gonna blow all the money and has no way of paying it back.
This is why credit ratings exist.

Net worth is clearly personal worth. The artist knows all about the money and the system fucking him from his next grocery trip while he over anaylzes life and personal worth.

Fucking people. Just reusing the same damn shit that has been done but in their ~art style~ To seem ~deep~

Most the time yeah but there is lots of farmers they love racking loans up for. They want a cut of that sweet land and equipment.

>I have $1200 in a bank account
>no debt
this is pretty good for 4th year of uni, right?

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There's no equity in a college degree, and no equity in credit card purchases (unless you're paying off a mortgage with it for some retarded reason.)
The graphic is pretty accurate.

A bank loan and student loans can hardly be compared to credit card debt. Are you in debt because you have a mortgage? Kind of, but you can sell your house to a bank, take your equity and walk away. Also, nobody has 10k in a bank loan, that's a rookie number. You either need to have a bigger loan or no loan at all. You're wasting everybody's time; are you in or out?

If you just started a leveraged business (which is a way of looking at student loans), then you have a reasonable expectation of getting a return for your investment. Having a means of interacting with the market is so far removed from credit card debt for buying things that it's irresponsible to compare them. Finally, buying a car without a loan is a shitty idea too. If you can find a 0% APR loan (like if you borrow against a mortgaged house) then you have inflation working for you meaning that you pay less by the end of the plan. You will also have protection against spontaneous combustion, somebody totaling your car, etc. because you don't own the car.

I get what he's saying because you can get absolutely fucked by debt. However, there are rational reasons to carry debt such as leveraging a business/worker, taking advantage of inevitable inflation, and misc. protections for high ticket items. A person who uses debt well is like a SSBM player who wavedashes, they have a distinct advantage over somebody who doesn't.

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No debt, $5000 in savings, own a car (~$10000), live by myself at 22, and have free university. Just go military.

ITT Nerds argue with a 15 year old comic to prove their financial prowess

u gonna put that on ur credit card?

>
grown ass fucking old men often don't have that much, you're fine

>tfw have 0 debt

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>mfw you have no credit

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Thank fuck I don't use credit cards or loans.

This comic really says alot aboit our socuety.

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>what is a non-cash asset

Makes me think that the cartoonist doesn't know how to finance.

>mfw make all my random small purchases on credit card to prevent this problem

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10k 1 year out of high school with no debt of any kind, what should I do with my money that would best benefit me?

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What's the problem with americans and debt?
Like seriously, how can you fuck up that bad?

Unless you plan on working on a retardedly high risk job which pays you $150k/year, invest in your education. (If you plan on working on the oil fields, I hope you have someone in your family who isn't retarded with money.)

What you're really investing in is the stability of your life. For most people, uni and a career is the way to obtain that stability.