Why are normies so bad at saving money...

Holy shit that pic is like 100% white

Because we live in a society that rewards failure, if the economy turns down normies don't care, they will run to daddy gov to get them out of the shit.
Gov will look after me, tax the rich, etc.
You as a crypto invester are the next generation of wealthy cows for them to milk when shit turns bad for them.

I want her nigger cock inside me

i make 200k and I'm living paycheck to paycheck. I don't have any credit card debt but I do have 38k in student loan debt (down from 90k) and I live in NYC and my apartment rent is 2800 a month. I don't own a car. My iphone is a couple years old and paid off and I'm trying not to get a new one.

I have 15k in ethereum no parents and no savings. Whatever I have extra I'm trying to buy crypto.

I waste a lot of money eating at restraurants drinking and going on vacations

Paradise

That's the beauty of it thuogh

we can cash out wherever we want

the next generation of accountants and lawyers will find sweet loopholes for a good fee

University.

If I wasn't on scholarship I wouldn't be here.

The average millennial spends more on Starbucks than retirement. They should all be gassed.

The entire economy is geared around CONSUMING. If people don't do it, shit would fall apart fucking fast.

If everyone saved there'd be a major contraction.

We've been conditioned to. Thats how capitalism works.

that's not wasting

sounds like you're living bro. like yeah you can save a million dollars and retire with a nice car and shit but no one wants to fuck you, you get tired, you're old, fuck that

While this thread is here, any advice on saving money by budget planning? I try to live frugally but sometimes I make myself not enjoy anything and not worth it at times.

I have never understood this. Let me put 15% of my paycheck into a 401k for 30 fucking years just so I can sustain myself when I’m retired. Or I can just live my life now, invest some into crypto and be a fucking baller.

most normies are just emotional retards who care more about petty socializing than building and maintaining capital and dynasty

Its generally average fags who did well and think theyve 'made it'.

They think $100k or even fucking $60k a year makes them rich and they try to live like a rich fag to prove a point to people.

Hell even if I had $1m Id just have an above average apartment and a nice but 2nd hand car. On $100k a year you should be living comfortably as a normie.

$100k a week is when you start being 'rich'.

Oh and all those faggots thinking theyre something special because theyre wearing sunglasses and in a picture

Took me 30 seconds to spot a potential Pajeet

Start centrally at the bottom and work your way up that guys arm, hes just to the right of the wrist area.

>he doesnt do MDMA and fuck asian sluts at EDC
why even live

>doing drugs
>going to festivals
>racemixing
>associating with normies
must I go on?

Yeah let me just invest a huge percent of my paycheck into something that has no intrinsic value and could easily lose 50% of its price in a few hours.

do it once or twice a year, its fun. idc what you think

>just sin once
>cmon it can't hurt just once

And they fuck more than you.

half these people have never been outside a basement since conception. Socialising is not a bad thing, go for it DESU

I mean that's been my life outlook. I'm living and seeing the world. But my age is starting to scare me and I'm starting to wonder if I'll ever own a home in my life and that's sad when you're making this much, I can't afford to buy anything in NYC because I'm not a multimillionaire like the jew that owns my building and if I move out of the city to a rural area to where houses are affordable there aren't any jobs.

you seem really fun at parties

being degenerate for a week out of the year isn't that bad. Just don't be the guy getting wasted every single weekend, then you're a fucking waste of space.

Human society is the worst meme, don't do this.
Participating in degeneracy at any time makes you a waste of space.

What has intrinsic value?

lol, loser

tell me how sad your life is. where do you get enjoyment from? what do you do on saturdays?

At least for the time, but fair enough.

I really seriously "party" maybe four days out of the whole year. I work way too much, but have to so I can pay for my university and car. That said, running my businesses are some of the most fun and exciting things I do.

Not being confined to a cubicle and having the extra money to spend on things that I enjoy(which is rarely partying, but sure a rave ONCE A YEAR might be fun) is enough, especially when all of your friends are stuck in a retail job or cubicle to pay for college, and you can do all of your work from the restaurant they work at, or even the lobby of their office if you want to rub it in.

I live in a cabin in the woods with my books dogs and chickens like the fucking unabomber and get rich while normies fuck each other and buy phones reeeeeeeeeeeeeeeeeeee.
Seriously though I question my life sometimes. I think I'm happy, been having suicidal thoughts recently but I think it's because I just read the bluest eye and it fucked up my emotions.
Plan is to buy a ranch eventually.
Might grow some soybeans to feed the soyboys.

Only if you revolve your life around it which I dont since im not a cuck.

edm festies are the wooooorst.

>t.hippie

enjoy that silent HPV infection which condoms doesn't really protect against and significantly ups your chances of penile and anal cancer.

What do you do on Mondays? I bet you wake up early to go slave away for Mr. Shekelstein.

I feel bad now because I was working on a catalog while he was wagecucking at an ice cream.

Stock in companies that create tangible products or perform vital services, real estate that you can live on, etc.

I have money in crypto but I'm not reckless enough to put half my paycheck in it. I guess if you were a suicidal NEET i'd say why not but if you actually have a path to success in other areas of life why would you throw that away trying to get rich quick.

>what do you do on saturdays?
Go to morning mass, look at charts, and then read my current book.

The average IQ is 100 and it's just not enough.

>penis cancer
lol

This is what happens when you live in the US
Move to Georgia
That doesn’t happen here

>feed the soyboys

Brilliant!

That would make sense if you were in a different timeline from our own. In this timeline, stocks shit the bed and bitcoin printed millionaires.

I have this plan because Sprint literally won't let me buy my own phone.

what

Bless you user. Insane how crazy this degenerate world has become. End times are near.

Stocks shit the bed? They're up 35% since trump was elected without any huge drops like crypto had a few days ago. Yea, bitcoin is up a lot more, but it was an unknown and risky

cancernetwork.com/oncology-journal/contemporary-review-hpv-and-penile-cancer

Wish I was kidding

also nice dubs

Not knowing the IQ scale is designed for the population average to score within a standard deviation of 100 is the most 100 IQ thing you could say.

Normies are participating in a relative status game. They look at the people around them and want to stand out. They want to have a nicer house/condo, a better car, and to go to more interesting places on vacation.

If you're 30+ and you "socialize" with "friends", it quickly becomes bragging. People talk about their vacations, their cars, etc and try to see where everyone measures up.

It's fucking retarded.

Normies believe in consuming for social capital.
Particularly women, value social validation more than material gain and media. Even their materialism is based around showing it off to other people. Look at Instagram, the fitness, wealth, food, and other luxuries and "success" exist not for self-satisfaction but for showing off and acquisition of social capital.

THIS is the factor that differs "normies" from others, since everyone is always bitching about the distinction. Normies value social capital above self-cultivation or media consumption. Veeky Forums is so hated by much of society because it is the antithesis of social capital, here you're supposed to be anonymous and keep your identity out of sight. This is why so many people here complain about "normies", we don't live the way they live.
For many of us Veeky Forumsraelis, we value money or the acquisition of money. For normies, they value the social capital that money can bring. For denizens of /v/, they value gaming for self-satisfaction, for normies, they value gaming for attention and socialization. And so on.

The men spend all they can to show their status and attract women. The women spend all they can to look good and attract a high-status man.

Anti-social NEETs save money that would be spent on that and put it in digibucks

this user speaks the truth
good shit

I do in fact know this. I mean that in the context of current IQ tests normed on a representative sample of the population, the level of raw intelligence or g represented by a score of 100 is abysmally low and insufficient for responsible investing.

normies are the equivalent of pajeet coins

Thanks for shilling me on this, seriously. See you in may if you're gonna be there
Kek. Stay in your basement you fucking loser while im balls deep in your sister while tripping on ketamine

where can i short normies

I make within that range and spend a significant amount of my money on normie festivals.

It’s worth it tho. I don’t have a car and I have plenty of extra money to spend on crypto

Invest in:
Payday loan companies
Apple
Starbucks
Music festival companies
etc.

Depends on the wealth of the normies in question.

This man fucking gets it.

food, water, vagina and drugs

Only

You forgot guns that can be used to take all of those things.

Guns put those things in the hands of non deservers user

This doesn't change the demand. Until you can get rid of people willing to steal and kill, weapons will always have value for said stealing/killing and defending from it.

That's an unnatural loophole that doesen't happen in nature, since the strong show compassion and the weak show respect

Lol what? Have you ever seen how rival chimpanzee troops interact in the wild? The Vikings had more compassion during their pillaging runs.

>TFW making 150k a year with great perks and benefits at 22.
>TFW walkable neighborhood, nice bike lanes, cycle everywhere, no car/insurance/gas payments.
>TFW use work phone as personal phone, no cell bill.
>TFW free breakfast/lunch/dinner at work, hardly spend money on food.
>TFW free gym at work.
>TFW maxing out IRA and 401k with 50% match.
>TFW investing $2k a month into stocks on top of that.
>scholarship, no college loans
>Internet bill comped by employer.
>Don't have to pay shit except rent and utilities.
Feels good man.

amen

We are in our natural state.

where do u work

Google.

>rival chimpanzee troops
Are you talking about uganda's army? opinion discarded

You think concrete prisions are our natural habitat?
You think our serotonin/dopamine reuptake is normal under these conditions?
You think you wouldn't be happy as a child if you spent some time in the forest?

How much is rent in SF and do you have roommates

A troop of Chimpanzees, brainlet. It's the name given to an associated group/society of them.

I'm actually surprised that it's a less understood concept. But that's because society reacts so violently against the concept of NOT accruing social capital. And yet the distinction is everywhere.
Tabloids follow the social lives of celebrities, Instagram "success/lifestyle/fitness" is about showing off states of being rather than discussing achievements. It's why normies like "motivation and inspiration" so much, because they don't give a FUCK about getting real shit done, that's too internal. They care about showing shit off instead.

Anonymity is opposed because it eliminates the social capital hierarchy and therefore devalues their most important currency.

Anyone who values all things as a means to social capital is a normie. They will give up (in varying degrees) money, time, dignity, effort, intellect and literally anything else to accrue social capital.
And they're by far the influential majority.

I'm in Mountain View (about 30 miles south of SF, where the Google campus is actually located. Renting a house with 4 other people about a 24 minute bike ride from the campus. 5 bedroom/bathrooms, so we each have our own room/bathroom, plus a garage, kitchen, and living room.

Rent is about $1500 a month, including utilities. Investing about $2k a month and on top of maxing my IRA contributions, after rent I have about $800 in spending money a month. That's not counting stock grants and bonuses, which are probably 25-30% of my total comp.

Evolution is characterized by adaptation to new environments. Humans are characterized by their ability to radically change the environment. We decide our habitat, it's what we do, it's our natural state. Those "concrete prisons" have made us the most evolutionarily successful beings we know of.

What's your career? If you don't mind my asking

Software Developer, I work on the ads systems.

same reason they vote with emotions, listen to mainstream music, watch mainstream movies, believe news and politicians.

Several decades of financial irresponsibility has made it normal.
We're currently sitting on a economic meltdown the scale of which is so incomprehensible it can only be compared to a tsar bomba and people would just like to leave it up to the next generation to die in pain instead of them.

Well now I know definitively that I have no chance of ever being normie. Nice to have a proper explanation of it, good job

because millennials aren't reaching retirement yet retard

Good post, examples of social capital in your opinion?

Having a life is costly. Us neets are at a tremendous advantage when it comes to saving as we only need a computer with internet access, mommys roof and some chicken tendies to survive.

>living in SF with 4 other people
>investing in stocks
You’re a cuck

I want to believe you are not really this retarded and are lust larping.

And what does it matter if we can't be happy?
You think all we did has any meaning in a decaying universe? You think we will ever feel the emotions that come with discovering a new land?
You seem so smug about what we have done, but you can't see how meaningless things become when we learn about them.

We died when we stopped worshipping gods

Chimpanzees torture and murder others out of fun? Link me a vid

>you shouldn't start saving for retirement until you are close to retirement