On the practice of taking out loans for surgery.

[chrishell]

Many of you wouldn't qualify for a loan to begin with since you have no credit history. Go get an entry level discover card and buy league of legends riot points on it for a few years or something before reading.

This post isn't for you.

Now, many people advise against taking out loans in general, even those with high APR (above 20%) to pay for surgery.

But you have to reconceptualize your aesthetic problems as a form of congenital facial debt.

Some people are born with $50,000-$100,000 USD congenital facial debt, and this debt has an APR of 75%. Someone who has full facial recession necessitating double jaw surgery and a full platter of PEEK implants is BORN with, I don't know, let's ballpark it, $65,000 USD facial debt.

You need to economically quantify the amount of stress that would come from having this congenital facial debt over time. This stress converts to interest. For someone with congenital facial debt of $65,000, that stress, over a period of decades, produces, say, $150,000 USD in interest.

Faced with such debt, one might take out a personal loan of $25,000 with an APR of 25% to pay for bimax and a charcuterie board of implants--which might sound terrible as far as personal loans go--but it is NOTHING compared to that congenital facial debt.

Consider taking out such a "bad" loan as a form of debt consolidation. Many people will take out a personal loan with a low APR to pay off a credit card that has a high APR. In this case, the enormously high APR "credit card" is your face that looks like it was drawn by picasso, which you can pay off with a personal loan that has an APR that is not enormously high, but simply high.

 

[LEFORT17]

Many of you wouldn't qualify for a loan to begin with since you have no credit history. Go get an entry level discover card and buy league of legends riot points on it for a few years or something before reading.

This post isn't for you.

Now, many people advise against taking out loans in general, even those with high APR (above 20%) to pay for surgery.

But you have to reconceptualize your aesthetic problems as a form of congenital facial debt.

Some people are born with $50,000-$100,000 USD congenital facial debt, and this debt has an APR of 75%. Someone who has full facial recession necessitating double jaw surgery and a full platter of PEEK implants is BORN with, I don't know, let's ballpark it, $65,000 USD facial debt.

You need to economically quantify the amount of stress that would come from having this congenital facial debt over time. This stress converts to interest. For someone with congenital facial debt of $65,000, that stress, over a period of decades, produces, say, $150,000 USD in interest.

Faced with such debt, one might take out a personal loan of $25,000 with an APR of 25% to pay for bimax and a charcuterie board of implants--which might sound terrible as far as personal loans go--but it is NOTHING compared to that congenital facial debt.

Consider taking out such a "bad" loan as a form of debt consolidation. Many people will take out a personal loan with a low APR to pay off a credit card that has a high APR. In this case, the enormously high APR "credit card" is your face that looks like it was drawn by picasso, which you can pay off with a personal loan that has an APR that is not enormously high, but simply high.

Just have good insurance theoryyyyy

 

[HerpDerpson]

Just take a loan and declare bankruptcy. They can't take back your new face.

 

[chrishell]

Just take a loan and declare bankruptcy. They can't take back your new face.

 

[lurking truecel]

View attachment 3976011

Untill they they give you anesthesia and send you too sunil

 

[Foreverbrad]

Very high IQ thread, I am a strong proponent of debtmaxxing.

The opportunity cost of not having your surgeries is absolutely enormous.

 

[chrishell]

Very high IQ thread, I am a strong proponent of debtmaxxing.

The opportunity cost of not having your surgeries is absolutely enormous.

Not to mention the (proven by studies) significantly higher likelihood of promotions, raises, success at interviews with interviewers of the opposite gender; better looks can also open up career opportunities in luxury sales, realty, social media influencing, nightlife promotion, personal training at high-end gyms, and of course modeling (but not let's get ahead of ourselves). Researching and executing surgery at the highest level can give you rewards comparable to a college degree or dedicating yourself to learning a skill like coding.

These benefits are all of course in addition to that opportunity cost of not having to deal with the quotidian stress of being ugly. Being ugly is very taxing. You probably passively pay $250 in stress daily if you're ugly. Rich people pay hundreds of dollars daily for all kinds of everyday luxuries that reduce their stress by the same amount deuglifying yourself would. More generally, deuglification also puts you in a better mood where you can more tenaciously pursueyour moneymaking endeavors.

Deshittification of your genetics is one of the best investments you can make.

 

[HorseMan7]

Not to mention the (proven by studies) significantly higher likelihood of promotions, raises, success at interviews with interviewers of the opposite gender; better looks can also open up career opportunities in luxury sales, realty, social media influencing, nightlife promotion, personal training at high-end gyms, and of course modeling (but not let's get ahead of ourselves). Researching and executing surgery at the highest level can give you rewards comparable to a college degree or dedicating yourself to learning a skill like coding.

These benefits are all of course in addition to that opportunity cost of not having to deal with the quotidian stress of being ugly. Being ugly is very taxing. You probably passively pay $250 in stress daily if you're ugly. Rich people pay hundreds of dollars daily for all kinds of everyday luxuries that reduce their stress by the same amount deuglifying yourself would. More generally, deuglification also puts you in a better mood where you can more tenaciously pursueyour moneymaking endeavors.

Deshittification of your genetics is one of the best investments you can make.

I also wonder about the effect on productivity of poor sleep quality and literally being uncomfortable in your own skin. Having an uncomfortable bite and not being able to have proper neck posture or relax your facial muscles is literally like having a thorn in your shoe constantly. Even the functional issues of being deformed are more psychologically taxing than I think people realize.

 

[chrishell]

I also wonder about the effect on productivity of poor sleep quality and literally being uncomfortable in your own skin. Having an uncomfortable bite and not being able to have proper neck posture or relax your facial muscles is literally like having a thorn in your shoe constantly. Even the functional issues of being deformed are more psychologically taxing than I think people realize.

Good point bro

 

[LEFORT17]

Untill they they give you anesthesia and send you too sunil

this young handsome man is calling you, do you pick up the phone?

 

[Sicilian Cyclops]

Well put. Paying off your ugly debt should be your #1 priority if you're a truecel, this shit effects your life in so many more ways than just dating and getting pussy. Self perception is a big one I feel a lot of people don't talk about, being stuck in a body you hate is excruciating, it's like hell waking up everyday knowing there's no escape from this other than death.

I'm probably around 150-200k in ugly debt