Why hasn't technology lowered the cost of living?
Other urls found in this thread:
financialsamurai.com
twitter.com
Jews.
Interest
Because standards of living went up
>taxes
>insurance
>usury
oh hey look, it's the holy trifecta of the jewish power game
((()))
Because that would be socialism.
It has. None of those things existed 200 years ago.
>usury
>3 vacations a year
>$60000 mortgage payments
Forgot
>$1,500,000 dollar home
>life insurance
>children's lessons
>charity
>drives a bmw
>goes on three vacations, not one, not two, but three, $6,000 each time
They have no fucking clue how to budget.
>Over 20k yearly food expenses
>32k in student loan payments
>3 vacations
>18k in charity
>those housing expenses
Goddamn, this is one case where it's mostly their fault for having so little money left over.
Hey if you maybe put 18k of charity into your own pockets you would suddenly not feel so poor anymore
fixed
This thread should be posted on Jow Forums.
Imagine being this wealthy and yet still be bad with money.
>good goy become a genetic failure and let the shitskins rule the world
i'm surprised you didn't strike out the wife while you're at it, you dumb nihilist cunt
>being a fucking idiot with money and complaining about it
>contributing to you 401k instead of paying off student loans which mostly likely have higher interest that you are making on your 401k even with 5 percent match
I don't know why people do this.
$36k in 401k contributions isn't an expense! This is off by a factor of 5x
The wife makes money you retard.
>make less money
>get to keep more of it because tax law is retarded
Pretty normal. People spend every dime they have and always expect more.
I still believe it should be a flat tax rate for all.
They own a 1.5m dollar home wtf do they expect
Live within your means
Except there aren't any cases where the marginal tax rate is over 100%. You outed yourself as an underage.
1.5 mio home is normal when you earn 500k.
Why even mortgage? They could have saved that money in 5 years if they lived more normally.
>charity 18k
>almost 500 a week on food
>2 cars
Really? Even if the charity was excusable for some weird tax thing how the fuck do you spend 500 a week? My entire family of 4 hardly buys 50 worth of groceries weekly and this is in a country where milk costs $4 a litre
1.5 million is on the lower to middle end of home prices in the bay area,
the three vacations a year, the charity money, and all the kids school shit is honestly one of the biggest cost. I'm guessing the childcare costs are because they are in private schools.
They also fucking included Miscellaneous which means that there is really 17300 left.
OK I misread that, 500k before tax, still having that home is ok.
>$17300 including "miscellaneous"
>over a thousand bucks every month to burn on whatever you feel like
First-world communists are retarded, but sometimes I have to remind myself of that.
3 vacations a year, $18000
inflation, debt, stagnant wages
No health insurance?
Why the fuck do they always include charity?
To look like good people when in reality it's for tax reasons
I'm not spending anywhere near that much money any time soon. Granted, I won't be making anywhere near that much money either...
>he doesn't have his own charity to bank the 100% company match
Why not move to a cheaper place?
Why do retards always want to live in SF and jew york?
House price just will increment because more people in few cities because cities has education,jobs and social things.
Because more expresive rents, rent prices transform in high price for things.
And (((Real state))) always win
>$6000 per person for food
>$21000 in childcare per child, doesn't even include college fund
What the FUCK? What are these people doing?
they live in the most expensive places on the US.
must be SF retards.
because that's where all the high paying jobs are, you retard
>Why do retards always want to live in SF and jew york?
As someone considered middle class in a third world country, you guys really live like a king compared to us.
>buying house and car on installment
graduating collegefag going to wageslave in a couple of months here
is that really normal on wageslaves?
i wouldnt trust paying it with my job unless i have a business or works on government
>high paying
>doesn't take into account the cost of living
read an econ book, dumbass.
oh wow, half a million, which is like earning 70k in another city because of PPP.
wow, is nothing.
retard.
>wow, is nothing.
dual income and it's a million though
>living in Melbourne
>Rent is expensive as fuck
>Get first real job out of uni
>Taking home $4k a month
>Still able to put 60% of my money straight into a savings account
I'll have enough for a deposit on a $500k house in a few years at this rate. Meanwhile everyone else my age is claiming they'll never own a home in their lifetime.
They feel poor because they're getting taxed 40% and then some for property and sales. Also, fuck that charity fee baka
yes but you don't have to. Half the retards that do that are just living a status quo life trying to have the nicest shit etc
you do realize you can also do this on much cheaper places and not on the most expensive city on america?
enjoy having no blue collar workers, no cashiers, no police, no nurses, no taxi drivers because they can't even afford to live in SF.
faggot.
>3 vacations a year
holy shit
>Vacations
What is that ? is that edible ?
>you can make a million a year in bumfuck nowhere
>being this delusional
yikes
you can make 20k online and move to fucking Chile and live like top 1% in the entire country.
>20k is the same as a million
>retard can't understand what is PPP
I guess people on zimbawe are billionaires now.
>retards can't understand moving
>nigger think earning more money on a more expensive place is an improvement
literally NPCs.
It literally is. I'm sorry you are too dumb to understand the concept of moving.
Don't forget a thousand bucks a month on kids' activities.
>$42k childcare
>$23k food
>$20k taxes on 1.5M home
>$2.5k insurance
>$18k vacations
>$12k clothes
>$12k meme lessons
>$18k charity
>$10k lolsorandumb
Why are people so fucking dumb?
My parents scraped by on $100k combined and saved up for a 400k house that's now free and clear.
you will make more money by earning less and moving to a cheaper place.
>20k is more money than a million
It is if your rent/food is $200 a month and you save the rest.
Your rent and food is $4000 a month and you save the rest. Which is way more than $20,000.
yes, because the average worker in my shithole earns 300 bucks per month.
you could buy a middle class new house for like 25k in my town.
>effective tax rate 40% with 2 dependents and charitable contributions
>3 VACATIONS
lmao they need to fire whoever does their taxes and live within their fucking means
Am I really the only one confused how they're spending 32 grand a year on student loans over 10-20 years?
Did they take out a half a million dollars in student loans?
So I can buy a middle class new house with 2 weeks worth of pay?
the taxrate % is based on shared income.
if theres 30% tax at 100k and
40% tax at 101k
if you make 100k a year, and your wife starts working for 2k a year, your total income will drop.
l
ofcourse this are fictional numbers, but this happens in real life too.
In poorer nations, yes.
that's why you could work online earning 20-30k per year and move to a cheaper country.
Yeah and you can afford mushed corn meal and bugs or whatever they eat in Chile without living month to month. big whoop.
If I make 1 million in SF and pay 900k in living expenses and taxes and location based expenses I'm still $80k ahead of your hypothetical Chilean.
i save more than 200k a year user
Why would I work online for 50 years to earn the same amount of money as working in person for 1 year?
>5 series
>a fucking Landcruiser for the wife
really now
you need to seriously read a book on basic economics.
A bag of milk doesn't suddenly becomes 10 times better quality because you charge 10 times more.
You could afford more living on a cheaper place even if you earn less money.
Unironically the Federal Reserve Bank! The inflation is so low because increases in productivity and technology have compensated the effects of inflation over the last decades. This is at the same time the reason why all the Ron Pauls and Adams Schiffs were wrong with their doomsday prophecies; they did underestimate the technological progress.
You seriously need to read a book on basic economics. Why can't I live in a cheaper place with the million dollars I earned in SF?
>poor as fuck and proud
>marrying
>having kids
You brought it on yourself, don't complain.
no, but something like buying a new phone hit me for 0.1% of my annual income and it hit you for 5%. I can also take all of my extra money and invest it. I get that you're paying a lot less for your mud hut and goat milk but I'm still taking home orders of magnitude more than you after the bills are paid.
I'm talking about the average retard who moves to SF and spend 500k in a year (OP pic).
You will earn more money if you live on a cheaper place working online, because of PPP.
The average Chinese can afford right now the same standart of living an american does, because China is ten times cheaper.
A 700 dolar income per month in my shithole is similar to a 4k montly american income.
you don't buy electronics every month retard.
You two living separately will have more money each.
>A 700 dolar income per month in my shithole is similar to a 4k montly american income.
that's just not true
The average retard like the OP still saves 40k a year which is over twice your income in your third world shithole.
>The average Chinese can afford right now the same standart of living an american does, because China is ten times cheaper.
I think you grossly overestimate the living standards of the average person in China.
Jow Forumstard go back to your containment board, Jow Forums stands for neckbeards, traps and lolis
>The average retard like the OP still saves 40k a year which is over twice your income in your third world shithole.
plus they live better than kings
>you don't buy electronics every month retard.
okay, how about stocks? does your PPP make up for the fact that 1 share of amazon costs the same in my country and yours?
I honestly don't want to burst your bubble because you're so confident in your calculations. I'm glad you've rationalized living in the 3rd world making $30k/yr.
a 300 mts house, like the top tier richest houses where I live are 150k.
700 bucks per month in my shithole, would put you in the top 2% global percentile by income.
financialsamurai.com
you need to earn 380k per year to be the same income percentile on america.
Literally look up PPP converters.
Wow, top 2%. I bet you drive a Ferrari and hang out on your yacht on the weekend
And 100 bucks a month would put you in the top 2% in some African shithole. We should all move there right?
Toyota Fortuner is the most expensive car rich people use where I live.
unless you wanna use a ferrari in a south american city and die.
Space travel is so darn expensive in the US. We should just move our space program to Chile since the PPP is so good there.
South america is middle income by world standarts.
The rich people live in their small suburbia towns with private army millitias and live paralel lives.
They live no diferent from americans or better.
Turns out that there's just a lot of poor people.