fifth column
Superstar
If you want to make real money just start a business, it’s that simple 
The game is rigged. 100k is still not enough, and that is crazy.
- Thread starter The Realist Perspective
- Start date
TELL ME YA CHEESIN FAM?
I walk around a little edgy already
ISO
Pass me the rock nikka
Nikkas be saying anythingThere’s nowhere in this country or prolly the world for that matter where someone who makes 180k per year needs a roommate
Depends. Child support? Spousal support? Other garnishments? Cost of living in the area. Even other things like substance abuse problems.
The reality is its not how much you make past a certain point it's how well you manage money. Making more money will never teach you how to manage money.
There's people that could take that same $100K the OP makes in a year and flip that into millionaire status in a decade and there's people that would struggle to get by on that same pay living check to check.
Mr Hate Coffee
Veteran
Just curious...
What's your target # for retirement? Is it all liquid? Or is there a certain % in investments?
Insensitive
Superstar
Some people don't want to hear this but it's true. I repped this three years ago and this post still applies.
It's amazing what controlling your costs will do.
Savings rate and cutting costs will dramatically increase investment capital.
Once that is controlled for people should consistently seek higher paying positions.
I put the capital together to start a business, buy 2 cars and a 3 bedroom 2 story house paid in full and I've never made more than 80k in a year
Some of y'all are just horrible at life
Career lifetime waterboys.
Everything u work for is to enrich the real ballplayers, even your kids will grow up to serve theirs
I've broken down how to do it in my time here, it starts with paying your cars off and utilizing public transportation/bicycling so those older cars stay running with light maintenance. No car notes after 35 at the latest. Ride a bike to work and live close to where u work. Outperform and outwork everyone at the job so you can command top pay. Work 2 jobs when droughts hit and work is slow. I need that money every week
But that's not "swag" so I hope everyone enjoys being 40+ in a studio apartment with Jose and his people bumping carnival music in the parking lot
Some of y'all are just horrible at life
Career lifetime waterboys.
Everything u work for is to enrich the real ballplayers, even your kids will grow up to serve theirs
I've broken down how to do it in my time here, it starts with paying your cars off and utilizing public transportation/bicycling so those older cars stay running with light maintenance. No car notes after 35 at the latest. Ride a bike to work and live close to where u work. Outperform and outwork everyone at the job so you can command top pay. Work 2 jobs when droughts hit and work is slow. I need that money every week
But that's not "swag" so I hope everyone enjoys being 40+ in a studio apartment with Jose and his people bumping carnival music in the parking lot
Or you can just delay having kids as long as possible. If most didn’t have kids they’d be financially set.
Insensitive
Superstar
A lot of people never do that. 
Do you know how many single moms/fathers or even young intact families I've seen where
no one thought about how they're going to provide for their children BEFORE having them?
I've seen "My babies made me grow up !!" more than I care to admit. lol.
Just stupid decisions on top of stupid decisions.
Don't let them be ONLY a high school graduate OR a high school drop out.
Some people gotta take that L over a LONG period of time before they wake up.
And for some that period might be decades and by then, it's too late to turn shyt around.
Do you know how many single moms/fathers or even young intact families I've seen where
no one thought about how they're going to provide for their children BEFORE having them?
I've seen "My babies made me grow up !!" more than I care to admit. lol.
Just stupid decisions on top of stupid decisions.
Don't let them be ONLY a high school graduate OR a high school drop out.
Some people gotta take that L over a LONG period of time before they wake up.
And for some that period might be decades and by then, it's too late to turn shyt around.
Stick a fork in the housing market and along with the middle class.
Buyers Need a $127,000 Down Payment to Afford a Typical Mortgage Payment
Buyers Need a $127,000 Down Payment to Afford a Typical Mortgage Payment
A median-income household would need to put 35.4% down to afford the payments on a typical U.S. home. A typical home is affordable to a median-income
www.zillow.com
Study: Americans need a six-figure salary to afford a typical home in nearly half of U.S. states
Study: Six-Figure Income Needed To Afford Home In More Than Half Of U.S. | Bankrate
Aspiring homebuyers need an annual household income of nearly $117,000 to afford the typical home in the U.S., according to a new Bankrate study.
www.bankrate.com
To afford a median-priced home of $402,343, Americans need an annual income of $110,871, according to a new Bankrate analysis. That’s nearly a 50 percent increase in just the last four years.
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Oh wait
these are the things that we need to focus on Coli! This should be it’s own thread
Stick a fork in the housing market and along with the middle class.
Buyers Need a $127,000 Down Payment to Afford a Typical Mortgage Payment
Buyers Need a $127,000 Down Payment to Afford a Typical Mortgage Payment
A median-income household would need to put 35.4% down to afford the payments on a typical U.S. home. A typical home is affordable to a median-incomewww.zillow.com
Study: Americans need a six-figure salary to afford a typical home in nearly half of U.S. states
Study: Six-Figure Income Needed To Afford Home In More Than Half Of U.S. | Bankrate
Aspiring homebuyers need an annual household income of nearly $117,000 to afford the typical home in the U.S., according to a new Bankrate study.www.bankrate.com
To afford a median-priced home of $402,343, Americans need an annual income of $110,871, according to a new Bankrate analysis. That’s nearly a 50 percent increase in just the last four years.
Something has got to give?
SN: I really wanted an investment property a few yrs ago but was playing around. Like, this is insane.
People are still buying homes, tho, but it’s way harder for the average person nowadays.
I don’t take homeownership for granted at all.
Tribal Outkast
Veteran
First world problems
DetroitEWarren
Veteran
Yea I feel you bro. I owned property years ago and used to get houses off an auction for 1,500$ to 5,000$. Those same cribs, in the hood, barely any upgrades from when I had them, are going for 90,000+. Absolute trash that needs 50,000 worth of work done is going for 80,000 and 100,000.I promise you this is not a brag thread but one to open the eyes of people pining for that six figure salary. It truly is not much at all to break 100K. I make well over 100K and it still takes me an incredible long time to amass any type of formidable capital, other than financing it. Which just should not be the case. If the crucial things in life, for example, a house (or any property, condo, etc.) and a car, require the vast majority of people to have the money loaned to them, something is very much wrong. I couldn't imagine doing it on my salary let alone half.
I have it in a spreadsheet and track everything in and out. On a base level, after all expenses I am able to save $2000 a month. That's with maxing out my 401K. I also put $500 a month into the stock market. $2000 a month is $24000 a year. The average cost of a house last year was 280k. The average cost of a car is $40k. Sure you can buy the car used but who is going to buy the new car so that it becomes "used?" You're or someone else is forced to take a loan from a bank that you'll be paying on for YEARS and be plagued by interest.
Mind you, only 10% or so of people make 100K or more in the US. What is everyone else doing? How is everyone else surviving? It just doesn't make sense. I am blessed to be in the position I am so I am able to save what I am able but what about 90% of the rest of society? So maybe someone who is smarter than me can explain to me how this all works. As of 2019 the US median income is fukking 32K.
Ridiculous shyt. I gotta sell something on the side and work a 9-5. The government can't even get mad at nikkas selling dope for extra money. fukk they expect the funds to come from if you have no business capital to begin with? You sell dope and try to break 100-200,000 as liquid money you can use to start a business.
This should not be illegal imo.
The government should offer successful dope boys the opportunity to invest their money together and become CEO's or accept this Rico Indictment. Free business schooling and ideas to start up. Ownership of grocery stores, pharmacies, bars, rec centers, ect.
Civilize these nikkas. They already are business men.