I laugh at niggas in my uni that do micro savings

[Jason Voorhees]

I see niggas here who keep getting influenced by some cringe financial advice on instagram that told them their $7 dollar spending on some snacks and latte is making them broke and they should """Invest""" that money instead. I asked one such ignorant nigger why he quit his daily spend and I am not kidding you this is the exact math he gave me. 5$ dollar daily for 7% interest is $365,000 dollars in 40 years. Nigga thinks he is becoming a millionaire by not drinking lattes

 

[Jason Voorhees]

@666PSL @FaceandBBC @TechnoBoss

 

[666PSL]

It’s good to save money but only on major purchases, penny pinching is one of the unhealthiest and time consuming habits anyone can have. Also that nigga us retarded, that $365,000 when adjusted for inflation rates will be worthless.

 

[psychomandible]

Yeah it's good to do that

 

[Jason Voorhees]

Yeah it's good to do that

The math sure checks out but the framing is wrong. For low income earners micro savings won't overcome wage stagnation. They should invest on education and skills instead each year spent in training increases life time earnings by 7-12% according to a study, even for high income earners the real money traps are housing, healthcare etc. Investing in skills is better advice. A certification can boost income by 15k annually for the rest of your life that beats than 2-3k spent on small discretionary purchases like coffee. This kind of advice is only given by retarded Fininflunecers for clicks because they are easy to follow with a simple narrative, real wealth generation addresses real structural barriers and not just lattes

 

[sub5outsider]

your problem isnt spending too much your just not making enough money

 

[Jason Voorhees]

your problem isnt spending too much your just not making enough money

This.

 

[666PSL]

your problem isnt spending too much your just not making enough money

No the problem is hes black and blacks are horrible at money management and investing

 

[sub5outsider]

No the problem is hes black and blacks are horrible at money management and investing

1.chicken and watermelon 2.weed 3.glocks and dracos 4.packs of Newport and Hennesy in that order

 

[Deleted member 114545]

Ok but it's good to not spend money on bullshit and unhealthy things. I agree though it won't do much of anything

 

[psychomandible]

The math sure checks out but the framing is wrong. For low income earners micro savings won't overcome wage stagnation. They should invest on education and skills instead each year spent in training increases life time earnings by 7-12% according to a study, even for high income earners the real money traps are housing, healthcare etc. Investing in skills is better advice. A certification can boost income by 15k annually for the rest of your life that beats than 2-3k spent on small discretionary purchases like coffee. This kind of advice is only given by retarded Fininflunecers for clicks because they are easy to follow with a simple narrative, real wealth generation addresses real structural barriers and not just lattes

I'm not reading all that tbh but you should cut all unnecessary spending

 

[Jason Voorhees]

I'm not reading all that tbh but you should cut all unnecessary spending

Low iq

 

[MoggerGaston]

your problem isnt spending too much your just not making enough money

Problem is governments stealing your money with taxes

 

[666PSL]

Ok but it's good to not spend money on bullshit and unhealthy things. I agree though it won't do much of anything

Are you a confederate

 

[badexilw]

I see niggas here who saw some cringe financial advice on instagram that told them their $7 dollar spending on some snacks and latte is making them broke and they should """Invest""" that money instead. I asked one such ignorant nigger why he quit his daily spend and I am not kidding you this is the exact math he gave me. 5$ dollar daily for 7% interest is $365,000 dollars in 40 years. Nigga thinks he is becoming a millionaire by not drinking lattes

jewish nigger

 

[Deleted member 114545]

Are you a confederate

No

 

[Daddy's Home]

To restrict yourself like that and not enjoy life, when maybe in 2-3 years we'll all die from atomic bombs dropped by a subhuman who didn't have a stacy, so he had to compensate by something else is crazy..

 

[maximum cope31]

Let me tell you that he will proceed to ''invest'' that money in crypto and lose it.

 

[looks>books]

It’s good to save money but only on major purchases, penny pinching is one of the unhealthiest and time consuming habits anyone can have. Also that nigga us retarded, that $365,000 when adjusted for inflation rates will be worthless.

can you elaborate? This is high iq but my mom does this.

Maybe you can change her mind

 

[666PSL]

can you elaborate? This is high iq but my mom does this.

Maybe you can change her mind

Elaborate on what? The inflation part or penny pinching?

 

[looks>books]

The math sure checks out but the framing is wrong. For low income earners micro savings won't overcome wage stagnation. They should invest on education and skills instead each year spent in training increases life time earnings by 7-12% according to a study, even for high income earners the real money traps are housing, healthcare etc. Investing in skills is better advice. A certification can boost income by 15k annually for the rest of your life that beats than 2-3k spent on small discretionary purchases like coffee. This kind of advice is only given by retarded Fininflunecers for clicks because they are easy to follow with a simple narrative, real wealth generation addresses real structural barriers and not just lattes

Holy high iq

 

[looks>books]

Elaborate on what? The inflation part or penny pinching?

Both
Why penny pinching doesnt work

Whats a substitute?

 

[afroheadluke]

5$ dollar daily for 7% interest is $365,000 dollars in 40 years. Nigga thinks he is becoming a millionaire by not drinking lattes

 

[Jason Voorhees]

Both
Why penny pinching doesnt work

Whats a substitute?

Penny pinching only makes you miserable. Instead of trying to find that one purchase that can be cut down to lower your expenses try to make more money. Unless you are complete idiot wasteful spending is not what is keeping you poor it is lack of good income.

 

[looks>books]

Penny pinching only makes you miserable. Instead of trying to find that one purchase that can be cut down your expenses try to make money more money. Unless you are complete idiot. Wasteful spending is not what is keeping you poor its lack of good income.

This never ends tho? You will want more and more stuff and your standards increase thus increasing the need for more income.

I think its good to not want or buy useless/harmful stuff. Everything is an investement.

 

[666PSL]

This never ends tho? You will want more and more stuff and your standards increase thus increasing the need for more income.

I think its good to not want or buy useless/harmful stuff. Everything is an investement.

Agreed but everything becomes harmful when its extreme, sure everything is investment but what’s the point in saving money if you never enjoy it on anything?

 

[MoggerGaston]

To restrict yourself like that and not enjoy life, when maybe in 2-3 years we'll all die from atomic bombs dropped by a subhuman who didn't have a stacy, so he had to compensate by something else is crazy..

I also live like this. I'd rather save 7dollars on my daily latte from starbucks and gamble it in the casino instead.

 

[fukmylyf]

1.chicken and watermelon 2.weed 3.glocks and dracos 4.packs of Newport and Hennesy in that order

This is unironically what they spend on instead. Just add 100 pairs of jordans, jewelry, and bottle service at the club.

 

[Michelangelo]

I see niggas here who keep getting influenced by some cringe financial advice on instagram that told them their $7 dollar spending on some snacks and latte is making them broke and they should """Invest""" that money instead. I asked one such ignorant nigger why he quit his daily spend and I am not kidding you this is the exact math he gave me. 5$ dollar daily for 7% interest is $365,000 dollars in 40 years. Nigga thinks he is becoming a millionaire by not drinking lattes

tbh micro spending across multiple type of shit (monthly subs, snacking, etc) eventually adds up. finding cheaper alternatives do save up you money.

 

[Brian Novak]

I'm not reading all that tbh but you should cut all unnecessary spending

"all that" is how you perceive 3.5 lines of simple text? stop drinking lattes immediately.

 

[snowbunnypolice]

Sports gambling or crypto rugpull only options in 2025

 

[sub5outsider]

Problem is governments stealing your money with taxes

that why millioners and billioners dont pay taxes and wagies like me do