it seems like people stopped buying American cars from union plants because they sucked, and Japan made better cars. It seems like America learned those lessons too little too late with stuff like NUMMI
Yeah that’s surely it and not the fact that Bill Clinton pushed NAFTA through and then repealed Glass-Steagall. Yeah it’s definitely the jap car thing or whatever.
Got a tired/wired cackle out of me. Just the absurdity of seeing this here, like some anon out there is genuinely expecting passing familiarity with globalization trends and derivatives markets in the financial crisis among broccoli hair bussin posters on the mediaslop board, can't figure out why the FRICK they AREN'T REPLYING
Literally most things you use are American made moron. google, youtube, amazon, even this fricking site. The real world doesn't care about your weeb bias.
>had more purchasing power >paid 8-12% interest on their mortgages >had shit technology and got all their news from the newspaper and major networks >cooked their own food
>got all their news from the newspaper and major networks
their own food
That still exists but now social media blasts media talking points at you 24/7.
Also interest rates are slowly climbing back to 8%. It'll be sooner than most expect.
>Also interest rates are slowly climbing back to 8%. It'll be sooner than most expect.
Which is why it's even WORSE for millennials and zoomers, because the same dollars and wages that would've got you a decent house get you frick all. That's why interests rates were at historic lows for over ten years. That they're creeping back up to double-digits without a proportion increase in purchasing power is a one-two knockout punch to the prospect of home ownership for this generation.
My dad bought ten houses in the late 80s and early 90s because his middle-class salary allowed him to. Yes, he paid ridiculous interest rates by today's standards, but it was proportional to the purchasing power of his wage, so the risk was spread around a little more evenly.
>he thinks the carter years had great rates
you fricking idiot. I wish I was naïve as you are. We dealt with the same bullshit you are dealing with now, it wasn’t as easy as you make it sound with your little stats and shit, you just sound like a whiny homosexual.
You want to know the difference between boomers and zoomers? Grit. Boomers knew they got a rancid deal and still shut up and worked and got through it
Not sure how you gathered that from my post. I constantly defend boomers because of the interest rates they faced. But if you want to make an argument about purchasing power relative to home prices, go for it, because I know you're wrong.
It's not the same bullshit. If you have shit purchasing power, you have low interest rates. That's fine. Millennials had a great window to buy homes from 2009-2020. But now, with interest rates rising and purchasing power stagnating or still falling, it's a different ball game.
5 months ago
Anonymous
>muh purchasing power!
the ratios of income to purchasing power are still the same, are you being serious?
5 months ago
Anonymous
>the ratios of income to purchasing power are still the same
No, they aren't. This is one of the most blatantly false posts I've ever seen on this godforsaken board.
compare the data in these two links, moron:
https://www.visualcapitalist.com/purchasing-power-of-the-u-s-dollar-over-time/
https://www.pewresearch.org/short-reads/2018/08/07/for-most-us-workers-real-wages-have-barely-budged-for-decades/
5 months ago
Anonymous
what's your point?
5 months ago
Anonymous
He won't read it because he's a neoliberal simp. Don't waste your time trying to educate the willingly ignorant.
If boomers had the technology younger people have now they would have ruined that shit too. In fact, they actively are making as much of the technology other generations developed as shit as possible before they die.
>paid 8-12% interest on their mortgages
Oh no, 30 years fixed rate mortgages of 8-12% when the purchase cost was 400% less than it is now.
the purchase price was 10-20% less but the purchasing power was 15-25% more. But don't deny the much higher interest rates.
>MY economies doing better! >says the zoomer from his boomer parents basement
No, our economy is doing much worse. Purchasing power is in the absolute shitter. Plus, there is less testosterone in the economy.
I literally don't know a single person our age who doesn't cook. That's probably a you thing.
then you should get out more. Skip the dishes and uber eats are killing it. That's from people ordering in instead of cooking, Black person. With my parents in the 90s and early 2000s, we ordered in once a week at most, and it was a treat.
>the purchase price was 10-20% less but the purchasing power was 15-25% more. But don't deny the much higher interest rates.
Bullshit. In my state and country in two generations the median inflation adjusted salary has dropped by 4.44% while over the same time the median house price has increased by 422%.
You're validating my point, that the cost of a home has far outpaced the purchasing power of the average wage.
5 months ago
Anonymous
Your numbers aren't accurate. The problem is far more severe than you described.
5 months ago
Anonymous
My point is that boomers' ability to purchase a home was WAY HIGHER than millennials' or zoomers'. Whatever issue you have with the numbers, the point remains the same: home ownership was much more possible for boomers than millennials, all other metrics aside.
5 months ago
Anonymous
>home ownership was much more possible for boomers than millennials, all other metrics aside.
Yeah, that's definitively and undeniably true. I just want it acknowledged just how dire the situation has become.
5 months ago
Anonymous
that's not going to help you.
5 months ago
Anonymous
stop complaining. the numbers are there whether you like them or not. Man up and make other plans.
5 months ago
Anonymous
>make other plans.
total boomer death?
5 months ago
Anonymous
or save up for a modest home. Become handy, repair it yourself for low cost.
5 months ago
Anonymous
kys before someone else does it for you.
5 months ago
Anonymous
nice rebuttal Black person. No data, no stats, no facts. Just pure unadulterated homosexualtry.
5 months ago
Anonymous
>Data, stats or facts
I posted earlier that the median salary has reduced 4% while the median house price has increased 400%. What the frick stats or data did you post to counter that? "Just magic myself into a modest home that's magically located near a magical salary that magically pays enough to cover the mortgage and the ever-increasing cost of living while I magically make a lot of free time to learn more about home repair and magically make even more free time to repair it?
Would it be a compliment or an insult to call this gentleman a based moron.
5 months ago
Anonymous
he's right, what the frick are you talking about?
5 months ago
Anonymous
those goods are all readily available. they are not depleted in any way.
you can buy all the lumber you want and have a house built. you can buy all the food you want. you buy all the oil/gas you want. you can buy all the gold you want. you can buy 10 cars if you want. and so can everyone else every day.
5 months ago
Anonymous
No I can't
No I can't
No I can't
No I can't
You can't either
not for a first time home buyers loan. Goddamn you stupid fricks on here don’t know how the real world works, you’re like redditors
5 months ago
Anonymous
Anything less than 20% down requires mortgage insurance. You old fricks had it way easier than us. I'm working way harder than you when you were my age and can barely stay ahead. I should be on easy street with the kind of money I make.
5 months ago
Anonymous
most people pay PMI for years. that is common.
5 months ago
Anonymous
>xoomer is surprised at credit score being a factor >xoomer is also surprised that you have to pay a percentage for a down payment
an FHA loan is a considerably lower down payment rate with a slightly higher mortgage rate factored in that you can re-finance later on to help you purchase a new home. Do I need to teach you how to cook eggs or tie your shoes next?
5 months ago
Anonymous
I'm 31, idk why your crusty ass thinks I'm a zoomer. People my age can't afford homes, you old fricks priced us out of it.
I make more money than you did at my age, and can't begin to dream of owning a home without someone bringing in a 2nd income.
5 months ago
Anonymous
Most boomers bought their first homes with 2 incomes or assistance from family as well though.
5 months ago
Anonymous
>He’s a homosexual milennial
the most pathetic of all the living generations. Seriously you all are the most entitled homosexual pussy b***h made Black folk on the face of the earth. Boomers are horrible but they arent nearly as bad as your pathetic generation, at least zoomies are bringing back the meanness and dgaf attitude that this country once had, your homosexual generation panders to trannies while you cry about not being able to be millionares while you work as baristas
5 months ago
Anonymous
>zoomers bringing back meanness
thanks for the laugh
5 months ago
Anonymous
>praises zoomers
No doubt what gen you're in. You're generation of zoomzooms are Black person chattel at the most generous. You all should have been aborted, you worthless fricking wastes of life.
5 months ago
Anonymous
>fuming
you are so bald
5 months ago
Anonymous
>zoomies are bringing back the meanness and dgaf attitude
They're literally the most beta cucked generation lol
5 months ago
Anonymous
>zoomies are bringing back the meanness and dgaf attitude
While protesting on behalf of trannies and loving pronouns? The frick are you talking about.
5 months ago
Anonymous
im 32 and all my friends/coworkers own houses or condos
5 months ago
Anonymous
>car payment is 500 >student loans are 150
Go to trade school, buy a used truck. There, just knocked off $400 off of your monthly
Assuming no surprises happen, I'll be debt free next year. But that's the average experience for millenials. Do you not see this issue there?
Keep in mind, I'm lucky to be making the kind of money I do, most people only make 30k/year
5 months ago
Anonymous
>I'm lucky to be making the kind of money I do
my career isnt luck and i doubt yours is either.
good luck.
5 months ago
Anonymous
Even fast food workers make more than 30k. Don't be an idiot.
5 months ago
Anonymous
I bought my first home at 26 with a first time home owner loan. Granted, I live in Indiana and my home is 1600 sq feet in a small town that's only 99% white with a low cost of living, but it's mine and I'm proud of it. >it seems shitty though because my parents own a home thats the same size but its on 10 acres of land. I miss not having neighbors within a literal stone's throw >my wife and I are eyeing foreclosers to scoop up a chunk of land ASAP
If you make 120k salary you can easily have 100k saved up in less than 5 years (calculating for taxes and regular expenditures like food and travel). What else are you spending your money on you absolute moron? Learn to manage your money properly holy shit.
(Assuming this wasn’t all just a shitpost and you don’t even have a job)
5 months ago
Anonymous
commissions of porn of my fursona don't come cheap
5 months ago
Anonymous
I meant to add even with rent 120k is enough (assuming anywhere around 1000-2000 a month).
5 months ago
Anonymous
I try not to reply to stupidity on here because I acknowledge this is a shit pit of a place but I have to say that you're a moron. You have to live like a poor to save 20% of your yearly income clean in this day and age, especially factoring in the fact that the average mortgage payment is roughly 30% of your overall pay. You want to do that for 5 years? Better hope nothing unexpected happens. You live with your parents. Shut the frick up.
5 months ago
Anonymous
NTA but I think you're being ridiculous. Show a little self control if you want to meet your financial goals.
5 months ago
Anonymous
>You have to live like a poor
AHAHAHAHAH and there you have it folks. There’s the whiny muh economy zommercucks showing their true face. Little baby can’t stop spending money on stupid sneakers and bottle service and coke and hookers because they want to be a “king”. Saving money and living humbly and frugally is out of the question for them. LMAO.
5 months ago
Anonymous
They were literally raised on watching other people (blacks) be shitty with money.
5 months ago
Anonymous
>the lowest IQ response possible
Thank you for verifying that I have more money than you do.
5 months ago
Anonymous
You have more money and yet you’re whining that you can’t own a home? You’re shit with money lmao. I own a home and make less than 120k a year. Shape the frick up, moron.
5 months ago
Anonymous
I don’t think “I’m entitled and rich” is the argument you need here, dude.
5 months ago
Anonymous
Are you really using the word entitled on Cinemaphile? Go back.
5 months ago
Anonymous
Whining about being owed a home when you make $120K but refuse to save your money for the downpayment is the definition of entitled. Deal with it, crybaby.
5 months ago
Anonymous
Without looking it up define the word entitled.
5 months ago
Anonymous
a feeling that certain things are owed to you
5 months ago
Anonymous
Expecting to not live like garbage after working hard, making something of yourself and earning good money isn't entitlement. I know that you aren't here yet but when and if you do get here you will understand the feeling. Thinking about having a child isn't even factoring into this, about how much worse its going to be for them. But yeah, don't complain about it because some room temperature IQ homosexual on Cinemaphile will call you entitled.
5 months ago
Anonymous
owning a home requires sacrifices if you don't have 2 incomes or family assistance. This has always been true for all of US history. Either you can accept that, or you can't. But pretending that it wasn't always the case, or that you're owed a home and shouldn't have to make sacrifices to afford one won't solve anything.
5 months ago
Anonymous
Good bait man, I almost gave you an actual reply.
5 months ago
Anonymous
I accept your concession of defeat.
5 months ago
Anonymous
I started deleting my reply when the 2 income part sunk in, given that stay at home mothers was the norm up until recently. If you didn't say that part you would have had me.
5 months ago
Anonymous
>stay at home mothers was the norm up until recently
you think they didn't work? Women were out in the fields just as much as the men.
5 months ago
Anonymous
You never had me, you never had your car
5 months ago
Anonymous
Being given a title or believing you are due specific treatment due to a title (colloquial)
5 months ago
Anonymous
I delight in knowing you will be abused and beaten in confusion at a retirement home by minorities soon. No matter how you cut it, you must work over 120+ hours a week to earn what people from your generation did at 40 hours a week.
5 months ago
Anonymous
>I will not sacrifice now for what I want later
5 months ago
Anonymous
i live in a high cost of living area. I save ~36% of my 80k income without trying. I track all my expenses and while I have my faults with dumb purchases, I've handled the big stuff well. If I applied myself and stopped drinking I could drop down to living on 1300-1500 per month. I bought a small foreclosure for peanuts that everyone else overlooked (omg its too small and the paint is ugly), paid off my used truck early, went to state college, etc...
Your whiny homosexual ass sounds like my sister. Highest paid member of my family, clearing over 100k/yr, student loans of 140k now since she doesnt make payments and insists it's impossible to pay off. She's on vacation every 3 months and doesnt budget. Its amazing how financial illiteracy mirrors fatty logic, >i tried nothing and im all out of ideas! >do you budget/count calories? >NO >save money? you mean live in a box? >eat less? you mean starve?
I get it, public school failed you, it failed us all. But you know what? theres this device we all carry in our pocket that can look up anything. A little bit of curiosity will get you a long way. Ditch the learned helplessness and doomer shit and actually try.
5 months ago
Anonymous
>Rent is 2-3k/month >Car payment is 500 >Groceries are another 5-600 >Health and car insurance 250 >student loans are 150
That's 40% of my monthly income right there.
5 months ago
Anonymous
Do what you can to get rid of the car payment. Take the humble, sell it and buy an early to mid 2000s toyota camry. Freeing myself of a car note was one of the best decisions I made.
5 months ago
Anonymous
>car payment is 500 >student loans are 150
Go to trade school, buy a used truck. There, just knocked off $400 off of your monthly
5 months ago
Anonymous
>used truck
That’ll be 30 thousand dollars please.
5 months ago
Anonymous
you also killed his income?
5 months ago
Anonymous
get a roommate
i had one for 4 years
5 months ago
Anonymous
>Rent is 2-3k/month
I live in NYC for $750/month >Car payment is 500
Don't need a car, spend maybe $50 a month on public transport fares >Groceries are another 5-600
For 1 person you're spending $150/week on groceries, wtf? >Health and car insurance 250 >student loans are 150
my condolences on that one
5 months ago
Anonymous
how do you feel about the metro card prices being raised? I live in upper east side, what part of NYC do you live in?
5 months ago
Anonymous
>brags about living in Queens
Lol.
5 months ago
Anonymous
I live right up the block from the 7 train, so it only takes me 25 minutes to go from leaving my house to being in times square. Seems pretty good to me.
5 months ago
Anonymous
I travel for work. Average rent around the country is close to 3k. Staying in hotels is even worse.
I don't think you've payed attention to food prices in the last few years.
5 months ago
Anonymous
Take a look at the CPI for LAST YEAR…its fricking insane, and libtards have the gall to say its a global issue
5 months ago
Anonymous
Why doesn't your employer cover the cost of transport and lodging then? That's what mine does. And no I don't agree with you that the cost of food means you have to spend $600 a month for 1 person, that's ridiculous.
5 months ago
Anonymous
I get per diem. I have to make my own living arrangements and try to find something less than what my per diem and save money.
>I will not sacrifice now for what I want later
>live in squalor for 5 years and maybe you'll be able to own a home assuming they don't keep going up in price
Legit, have a nice day.
5 months ago
Anonymous
living on 100k is hardly squalor, that's nearly 3x the national average salary.
5 months ago
Anonymous
if you get a per diem that covers your travel expenses then why are you complaining about it? If your per diem is too low then negotiate for a better one.
5 months ago
Anonymous
>I live in NYC for $750/month
link me a zillow
do you live in a fricking cupboard?
5 months ago
Anonymous
guaranteed he lives in a two-bedroom shotgun apartment with five roommates in ditmas
5 months ago
Anonymous
No, I guarantee he's just a moron talking out of his ass. Nobody would make such an outlandish claim, and if it is the rare occasion of a minority bragging about his rent-controlled apartment he shares with a roommate, nobody would be so braggadocios about living off of the taxpayer.
5 months ago
Anonymous
guaranteed he lives in a two-bedroom shotgun apartment with five roommates in ditmas
I'm in Jackson heights, 3 BR shared with 2 roommates.
5 months ago
Anonymous
$2250 is extremely low for even a 2 bedroom, either you're rent controlled, in a broom closet or your BSing.
5 months ago
Anonymous
$2600 for the apartment, my roommates have larger rooms so they pay more. It's not rent controlled.
5 months ago
Anonymous
>If you make 120k salary
5 months ago
Anonymous
Exactly. Look at who I’m replying to. They said they can’t afford a home while they had a 120k salary. I own a home that I mortgaged in 2020 and make less than that.
5 months ago
Anonymous
>Exactly. Look at who I’m replying to.
I'm just emphasizing your point.
5 months ago
Anonymous
Thanks
5 months ago
Anonymous
what state do you live in
5 months ago
Anonymous
New York
5 months ago
Anonymous
nice, what part? I'm in Westchester myself.
5 months ago
Anonymous
Near Buffalo
5 months ago
Anonymous
do you have an answer for people who dont want to live in hick shit upstate new york where you can buy a house for 36 dollars?
its funny that i replied before you posted this. its funny how i knew.
5 months ago
Anonymous
NTA but I was able to buy my house in Westchester on 1 income without family assistance. All I had to do was graduate from law school with 0 student debt, and get a $200k job at a law firm. It's really that simple.
5 months ago
Anonymous
Westchester is BESTchester! Do you know Primetime Sam Roberts?
5 months ago
Anonymous
do you have an answer for people who dont want to live in hick shit upstate new york where you can buy a house for 36 dollars?
5 months ago
Anonymous
Since when is New York hick? Isn’t it a blue state? I thought the Demonrats were supposed be the cause of all inflation and unaffordability?
5 months ago
Anonymous
once you start getting above westchester it starts to change. you have some grace because a lot of nyc boomers sell and retire around there but as you go north it gets worse. i wouldnt live near buffalo if you gave me the deed.
5 months ago
Anonymous
Alright but you’re just skirting the argument now and barely staying on topic. The debate was about whether $120K is enough to get you a home. The answer is yes. You can easily live somewhere comfortable and nice with much less than $120K. Feel free to now cry about New York to cope.
5 months ago
Anonymous
i live in new york and im not the person you originally replied to. im tired of people acting like its so easy and how they have it figured out and then you find out that they live in a dismal place. yeah great man, i can afford a house in east cleveland too.
5 months ago
Anonymous
Have fun voting for Trump because your drapes aren’t pink, princess.
5 months ago
Anonymous
i dont even know what you mean by that
5 months ago
Anonymous
Maybe one day you’ll learn
5 months ago
Anonymous
typical buffalo resident, braindead and rambling
5 months ago
Anonymous
Imma movie to Potsdam and frick up Freddy Krueger. Just going to push his shit in.
5 months ago
Anonymous
huh?
5 months ago
Anonymous
i like when people cant afford something they want so they blame the whole world for their failure
5 months ago
Anonymous
outside of a few small cities, most of upstate New York is extremely rural and rustbelt. It often feels like upstate NY never fully recovered from the great depression.
5 months ago
Anonymous
Learning how to budget is insanely helpful and will change your life. Ive been earning decent money for a while and had little expenses but saved frick all, but then I started splitting my income up (50% expenses, 30% savings, 20% for luxury spending) my savings skyrocketed in a short amount of time. Now that I've got a mortgage I've changed the expenses to 60% and savings to 20%.
Home here cost 1.5 million CAD on average, I'm an engineer and I make over 100k. None of my engineering friends own homes, their parents do and they were barely educated. I mean I guess my 2.5k a month apartment is nice and clean I guess.
I only work from home 3 days out of 5 and everything is expensive for kilometers and kilometers. I'd have to move like a million miles from anything for find anything affordable.
The first one is objectively true. Unions stopped being anything other than a way for union bosses to line their pockets decades ago. They protect the shitty workers all because of muh seniority and are more than eager to get rid of the young guys who actually work and put in effort the second they get the chance. The majority of unions in the US are corrupt and are more than willing to destroy the companies they're supposed to work with for short term gains vs actually allowing the company to grow so they can keep everybody working for years.
this meme hit me hard. family gathering, everyones talking about renovations and shit they did to their home. tldr family gathering went like this >hows your home value doing >great! its about 600k now, only paid 45k for it in 1985, did well! >hey kiddo, you planning on owning a home?
it's fine to make fun of boomer talking points, but you can't really blame the average boomer for being moronic. They were literally raised by the television. You think someone sitting in front of the tube for all their life has the chance to develop critical thinking?
This >work 40 hour weeks >tired >probably have to put up with bosses shit >on top of that have to put up with some unruly highschool shithead and his smart ass comments
Vernon should have knocked his dick in the dirt
>i walked in a company and got a job the same day >i supported my wife and three kids on an entry level job >i have a pension that allows me to retire in comfort at 55 >i paid off my house at 40 and brought a second vacation home >i never had to look bipoc anywhere in public or on tv
well there has been a reaction to it.
https://www.wsj.com/articles/amid-covid-pandemic-housing-boom-demand-for-small-spaces-grows-too-11611311402?st=bvvoqftil5tw2q1&reflink=desktopwebshare_permalink
A number of states like New York are giving subsidies for home owners to build small houses on vacant parts of their land, or accessory units by converting a garage or an addition to their house into a separate unit to rent or sell.
Houses have gotten bigger because there's more profit margin in larger homes so developers quit building starter homes because they can't make as much. Naturally this has a massive effect on home prices.
I make over $90k a year pre taxes and live a pretty good life. I never got a college degree and I frankly am not that smart. I work 5-6 days a week depending on what project we are doing that week and I still have plenty of time to workout and cook non-goyslop meals within budget that are semi healthy (considering most if not all food in america is poison). If you are not clearing $50k a year as an able bodied man you are a lazy Black person that is worthy of ridicule and rebuke. Honestly, alot of you on here are absolutely pathetic and I absolutely loathe you for being a drain on the system. How can you sit here and complain about Black folk and israelites and still be a NEET? Build a legacy for yourself and your bloodline, get off your fricking ass
>I make over $90k a year pre taxes and live a pretty good life. I never got a college degree and I frankly am not that smart. I work 5-6 days a week depending on what project we are doing that week and I still have plenty of time to workout and cook non-goyslop meals within budget that are semi healthy (considering most if not all food in america is poison). If you are not clearing $50k a year as an able bodied man you are a lazy Black person that is worthy of ridicule and rebuke. Honestly, alot of you on here are absolutely pathetic and I absolutely loathe you for being a drain on the system. How can you sit here and complain about Black folk and israelites and still be a NEET? Build a legacy for yourself and your bloodline, get off your fricking ass
> >>I make over $90k a year pre taxes and live a pretty good life. I never got a college degree and I frankly am not that smart. I work 5-6 days a week depending on what project we are doing that week and I still have plenty of time to workout and cook non-goyslop meals within budget that are semi healthy (considering most if not all food in america is poison). If you are not clearing $50k a year as an able bodied man you are a lazy Black person that is worthy of ridicule and rebuke. Honestly, alot of you on here are absolutely pathetic and I absolutely loathe you for being a drain on the system. How can you sit here and complain about Black folk and israelites and still be a NEET? Build a legacy for yourself and your bloodline, get off your fricking ass
i make $90k working from home. i live with my parents. i have no savings bc i was a neet for years. i dont think ill ever be able to afford my own home
Move to somewhere cheaper, it's your only chance. At least you work from home and make a decent salary. Or just wait till your parents die and take care of them. Count yourself lucky.
>that part where he's telling bender how worthless he is and always will be
Imagine if bender just killed him there and then. He'd go to prison and the principal would be correct, but he'd also be a dead homosexual who can't posture over shitty kids with shitty families anymore
seems they make more. our boy was being underpaid.
It takes place in the suburbs and a dean and a principal are two different things. It was also set in the suburbs and not the city. The range for a principal in Des Plaines is pic related.
the US government defines someone as being "rent burdened" when they pay more than 1/3 of their income on rent, and "severely rent burdened" when they pay more than 1/2 of their income. So that is not a problem for you.
For 2023 the government defines a person to be "in poverty" when they have a 1 person household with an income below $14,580. Generally a person making less than 2x that number is considered to be "working poor".
The funniest thing, to me, about today’s political climate is how the baskin robins trust fund bands that live off 6 digit+ salaries are the loudest ones to be crying about how they can’t own homes or all the prices are bad. It’s as if they live in a fragile and coddled bubble. They’ve been pampered all their lives by their baskin robins pa and ma and the moment they have to stop subscribing to OnlyFans and Twitchtubers for one week, they cry it’s the end of the world and they’re ready to vote in the next conservative shmuck to get rid of some regulation on carrying toxic chemicals on rail because that will apparently help them.
I simply will not own anything and be happy about it. Call it successful demoralization if you will, but I will be content with the free shit I get online, and then I will die without leaving a trace of my existence save for archived posts from this site. I exist to observe and then die.
this gets looked over a lot, but holy shit, i was alive in the mid 90s to this day, and id trade all of that fricking shit for a direct mainline to Cinemaphile >but Cinemaphile was always shit
YES. I WILL TRADE IT ALL FOR IT. ITS A WIN
News here never shuts up about the real estate market and cost of living crisis yet act like it's just a coincidence, having the biggest population growth in the first world purely as a result of immigration never seems to come up in those same articles.
Factually incorrect. A mortgage is a lien it doesn't convey title. Even with encumbrances on your title you still hold it in fee simple absolute.
Additionally, leveraging your money to buy property through a bank loan is one of the best investments you can make. Being against it on principle is moronic.
i turn 32 on sunday. i still live with my parents, and i pay them over $1000 a month in rent. i have a shit job living in one of the most HCOL areas in america. im a kissless virgin and have no friends, no prospects, and barely any hobbies. i have absolutely no desire whatsoever to own a home because im a complete and utter loser and all i think about all day every day is comitting suicide and hoping i die overnight. i cant even imagine what it would be like to be responsible for owning a home. all the shit im reading in this thread just reiterates that home ownership is beyond the effort that i ever want to do
buying property is a good financial investment, and has many intangible benefits. I don't know why, but it genuinely does make you feel like you've accomplished something, and have something that is truly yours.
College graduate four years out. No job, no money, live with parents, no girlfriend, kissless (had sex with prosty). 28 y/o. No hope. The US shouldn't be bringing in immigrants.
Nowhere should. In Australia we have less than 1% vacancy rate with rentals and the median home price is now $1 million and despite this housing crisis we're bringing in half a million more a year over the next few years minimum.
>The US shouldn't be bringing in immigrants.
this is not the reason you have no job. Employment visas and H1-B visas require a showing that there was no US citizen with minimum qualifications willing to take the job. They're very onerous to get. Unless you're arguing that you don't have a job because you can't compete against the illegals cutting grass and renovating houses, even though you're a college graduate. If that's the case then idk what to tell you other than get some fricking ambition.
H1B is notoriously abused and on a gigantic rise these past months
The "illegals" (or any immigrant really) affect the entire job market by overwhelming the bottom jobs, destroying the wage of these jobs and pushing people who want real wage to seek higher education jobs, this influx also damage the wage and condition of these "educated" jobs
Just in case people try to argue by saying "It's always been like this", try to talk a bunch of boomers, you're bound to stumble upon a guy with a big family, two cars, a big home and then you ask what he did all his life and he just casually say that he got an entry level job at the post office and did it all his life
>H1B is notoriously abused
these "notorious abuses" are crap, the amount of H1B visas that can be given in a year are capped at 60k, which is FAR below the demand (or need, depending on who you ask). They run out on the 1st day they become available every year.
Are you seriously saying its such a terrible thing that these illegals are forcing you to go to college because you can't outcompete them as a janitor or fruit picker? Is that really what you want to do with your life? Aim higher anon, you're a US citizen for god's sake. Not gonna bother with the second paragraph, because that's just an unserious anecdotal cliche.
Yes the H1B is overwhelmed by demand (800k in the past months) which mean the administration can't properly vet fraudulent behavior, welcome to 2023
>Just aim higher
You're either not reading or not understanding, immigration effects doesnt just magically stop at the "fruit-pickers", that's not how the economy work
>watched my father sit onn his ass all my life growing up >made me a lazy frick since I tohught I could just copy him and make money (bad influence) >few jobs in my life, no savings now >now that he's almost dead he refuses to give me money and is just blowing it on useless shit
He genuinely needs to be drawn and quartered for this. A young boy looks up to his father, he's his role model.
im a complete manchild. at 31 most people are looking at buying a house and even in this economy where people say buying a house is impossible, i know thats just an internet meme and everyone actually does buy houses now. but im not even considering buying a house. the undertaking required just to get a house like going through a bank, having a mortgage, escrow or whatever else there is, down payments, seeing interest rates, this all goes way above my head. im too dumb and apathetic to even go about caring about this. and thats before you even get into the maintnenace of a house like upkeep, major repairs, homeowners assocaitions, etc.
ill just stay with my parents. people like me dont deserve to even live on our own, let alone buying a house.
what about it confuses you? It's really not that complicated once you sit down and actually learn it. Especially the bank stuff, because after 2008 there were new laws that required mortgage terms to be spelled out in much more simple details, because so many people took out adjustable rate mortgages without really understanding what that meant. Learning basic repair and maintenance isn't a big deal either, especially now that there are a billion youtube channels covering it.
not accurate
it seems like people stopped buying American cars from union plants because they sucked, and Japan made better cars. It seems like America learned those lessons too little too late with stuff like NUMMI
the big 3 are still UAW today. GM, Ford, Stellantis.
And their marketshare is eroding to Korean and Chinese cars, not just Japan anymore. Vietnam is getting into the space too with Vingroup
>Vingroup
I wouldn't be surprised if Vinfast was a bigger brand than Kia in ten years.
And yet they're still the big 3. Kick and scream all you want.
Yeah that’s surely it and not the fact that Bill Clinton pushed NAFTA through and then repealed Glass-Steagall. Yeah it’s definitely the jap car thing or whatever.
Got a tired/wired cackle out of me. Just the absurdity of seeing this here, like some anon out there is genuinely expecting passing familiarity with globalization trends and derivatives markets in the financial crisis among broccoli hair bussin posters on the mediaslop board, can't figure out why the FRICK they AREN'T REPLYING
idk i think it's fine to have standards even on this site.
I drive a 2012 Ford SVT Raptor, its built like a tank and looks cool af, chinkmade shit is not in my repertoire
That's cool man, how's ram ranch these days?
Booba
Literally most things you use are American made moron. google, youtube, amazon, even this fricking site. The real world doesn't care about your weeb bias.
Yeah, Japan is a notoriously anti-labor marketplace.
>had more purchasing power
>paid 8-12% interest on their mortgages
>had shit technology and got all their news from the newspaper and major networks
>cooked their own food
>got all their news from the newspaper and major networks
their own food
That still exists but now social media blasts media talking points at you 24/7.
Also interest rates are slowly climbing back to 8%. It'll be sooner than most expect.
>Also interest rates are slowly climbing back to 8%. It'll be sooner than most expect.
Which is why it's even WORSE for millennials and zoomers, because the same dollars and wages that would've got you a decent house get you frick all. That's why interests rates were at historic lows for over ten years. That they're creeping back up to double-digits without a proportion increase in purchasing power is a one-two knockout punch to the prospect of home ownership for this generation.
My dad bought ten houses in the late 80s and early 90s because his middle-class salary allowed him to. Yes, he paid ridiculous interest rates by today's standards, but it was proportional to the purchasing power of his wage, so the risk was spread around a little more evenly.
>he thinks the carter years had great rates
you fricking idiot. I wish I was naïve as you are. We dealt with the same bullshit you are dealing with now, it wasn’t as easy as you make it sound with your little stats and shit, you just sound like a whiny homosexual.
You want to know the difference between boomers and zoomers? Grit. Boomers knew they got a rancid deal and still shut up and worked and got through it
Not sure how you gathered that from my post. I constantly defend boomers because of the interest rates they faced. But if you want to make an argument about purchasing power relative to home prices, go for it, because I know you're wrong.
It's not the same bullshit. If you have shit purchasing power, you have low interest rates. That's fine. Millennials had a great window to buy homes from 2009-2020. But now, with interest rates rising and purchasing power stagnating or still falling, it's a different ball game.
>muh purchasing power!
the ratios of income to purchasing power are still the same, are you being serious?
>the ratios of income to purchasing power are still the same
No, they aren't. This is one of the most blatantly false posts I've ever seen on this godforsaken board.
compare the data in these two links, moron:
https://www.visualcapitalist.com/purchasing-power-of-the-u-s-dollar-over-time/
https://www.pewresearch.org/short-reads/2018/08/07/for-most-us-workers-real-wages-have-barely-budged-for-decades/
what's your point?
He won't read it because he's a neoliberal simp. Don't waste your time trying to educate the willingly ignorant.
If boomers had the technology younger people have now they would have ruined that shit too. In fact, they actively are making as much of the technology other generations developed as shit as possible before they die.
cooked their own food
Americans can't cook and haven't been able to for at least 50+ years or since their ancestors came from europe.
my point stands
the purchase price was 10-20% less but the purchasing power was 15-25% more. But don't deny the much higher interest rates.
No, our economy is doing much worse. Purchasing power is in the absolute shitter. Plus, there is less testosterone in the economy.
then you should get out more. Skip the dishes and uber eats are killing it. That's from people ordering in instead of cooking, Black person. With my parents in the 90s and early 2000s, we ordered in once a week at most, and it was a treat.
>the purchase price was 10-20% less but the purchasing power was 15-25% more. But don't deny the much higher interest rates.
Bullshit. In my state and country in two generations the median inflation adjusted salary has dropped by 4.44% while over the same time the median house price has increased by 422%.
You're validating my point, that the cost of a home has far outpaced the purchasing power of the average wage.
Your numbers aren't accurate. The problem is far more severe than you described.
My point is that boomers' ability to purchase a home was WAY HIGHER than millennials' or zoomers'. Whatever issue you have with the numbers, the point remains the same: home ownership was much more possible for boomers than millennials, all other metrics aside.
>home ownership was much more possible for boomers than millennials, all other metrics aside.
Yeah, that's definitively and undeniably true. I just want it acknowledged just how dire the situation has become.
that's not going to help you.
stop complaining. the numbers are there whether you like them or not. Man up and make other plans.
>make other plans.
total boomer death?
or save up for a modest home. Become handy, repair it yourself for low cost.
kys before someone else does it for you.
nice rebuttal Black person. No data, no stats, no facts. Just pure unadulterated homosexualtry.
>Data, stats or facts
I posted earlier that the median salary has reduced 4% while the median house price has increased 400%. What the frick stats or data did you post to counter that? "Just magic myself into a modest home that's magically located near a magical salary that magically pays enough to cover the mortgage and the ever-increasing cost of living while I magically make a lot of free time to learn more about home repair and magically make even more free time to repair it?
>paid 8-12% interest on their mortgages
Oh no, 30 years fixed rate mortgages of 8-12% when the purchase cost was 400% less than it is now.
>MY economies doing better!
>says the zoomer from his boomer parents basement
I literally don't know a single person our age who doesn't cook. That's probably a you thing.
I make more than my parents did at my age and even now, I still can't afford a home
>I make more than my parents did at my age
no you don't.
The number got bigger, but you make a lot less.
what resources are depleted?
oil, lithium, wood, precious metals, water, food. Anymore questions?
those arent depleted. those are readily available.
are you fricking moronic man?
Would it be a compliment or an insult to call this gentleman a based moron.
he's right, what the frick are you talking about?
those goods are all readily available. they are not depleted in any way.
you can buy all the lumber you want and have a house built. you can buy all the food you want. you buy all the oil/gas you want. you can buy all the gold you want. you can buy 10 cars if you want. and so can everyone else every day.
No I can't
No I can't
No I can't
No I can't
You can't either
song lyrics?
Anything you can do I can do better
Of course you can. You're not starving you moron.
>Anymore questions?
Yes, Is pic related...because if so, I'm going to say you're the problem too then.
she's just saying that capitalism is smashing
why do boomers wear their pants so high up?
Damn millenials are so salty lmao. It wasn't easy for us either. A lot of millennials have the same opportunities they just refuse to take it.
Average home today costs 400k. I make 10k a month, probably more than what you made at my age, and can't come close to affording a home
you can afford a 400k house on 120k a year
You need 100k saved to make a down payment. Frick that.
not for a first time home buyers loan. Goddamn you stupid fricks on here don’t know how the real world works, you’re like redditors
Anything less than 20% down requires mortgage insurance. You old fricks had it way easier than us. I'm working way harder than you when you were my age and can barely stay ahead. I should be on easy street with the kind of money I make.
most people pay PMI for years. that is common.
>xoomer is surprised at credit score being a factor
>xoomer is also surprised that you have to pay a percentage for a down payment
an FHA loan is a considerably lower down payment rate with a slightly higher mortgage rate factored in that you can re-finance later on to help you purchase a new home. Do I need to teach you how to cook eggs or tie your shoes next?
I'm 31, idk why your crusty ass thinks I'm a zoomer. People my age can't afford homes, you old fricks priced us out of it.
I make more money than you did at my age, and can't begin to dream of owning a home without someone bringing in a 2nd income.
Most boomers bought their first homes with 2 incomes or assistance from family as well though.
>He’s a homosexual milennial
the most pathetic of all the living generations. Seriously you all are the most entitled homosexual pussy b***h made Black folk on the face of the earth. Boomers are horrible but they arent nearly as bad as your pathetic generation, at least zoomies are bringing back the meanness and dgaf attitude that this country once had, your homosexual generation panders to trannies while you cry about not being able to be millionares while you work as baristas
>zoomers bringing back meanness
thanks for the laugh
>praises zoomers
No doubt what gen you're in. You're generation of zoomzooms are Black person chattel at the most generous. You all should have been aborted, you worthless fricking wastes of life.
>fuming
you are so bald
>zoomies are bringing back the meanness and dgaf attitude
They're literally the most beta cucked generation lol
>zoomies are bringing back the meanness and dgaf attitude
While protesting on behalf of trannies and loving pronouns? The frick are you talking about.
im 32 and all my friends/coworkers own houses or condos
Assuming no surprises happen, I'll be debt free next year. But that's the average experience for millenials. Do you not see this issue there?
Keep in mind, I'm lucky to be making the kind of money I do, most people only make 30k/year
>I'm lucky to be making the kind of money I do
my career isnt luck and i doubt yours is either.
good luck.
Even fast food workers make more than 30k. Don't be an idiot.
I bought my first home at 26 with a first time home owner loan. Granted, I live in Indiana and my home is 1600 sq feet in a small town that's only 99% white with a low cost of living, but it's mine and I'm proud of it.
>it seems shitty though because my parents own a home thats the same size but its on 10 acres of land. I miss not having neighbors within a literal stone's throw
>my wife and I are eyeing foreclosers to scoop up a chunk of land ASAP
no you dont. i would recommend having enough to avoid PMI or being close to that though.
never heard of a bridge loan?
If you make 120k salary you can easily have 100k saved up in less than 5 years (calculating for taxes and regular expenditures like food and travel). What else are you spending your money on you absolute moron? Learn to manage your money properly holy shit.
(Assuming this wasn’t all just a shitpost and you don’t even have a job)
commissions of porn of my fursona don't come cheap
I meant to add even with rent 120k is enough (assuming anywhere around 1000-2000 a month).
I try not to reply to stupidity on here because I acknowledge this is a shit pit of a place but I have to say that you're a moron. You have to live like a poor to save 20% of your yearly income clean in this day and age, especially factoring in the fact that the average mortgage payment is roughly 30% of your overall pay. You want to do that for 5 years? Better hope nothing unexpected happens. You live with your parents. Shut the frick up.
NTA but I think you're being ridiculous. Show a little self control if you want to meet your financial goals.
>You have to live like a poor
AHAHAHAHAH and there you have it folks. There’s the whiny muh economy zommercucks showing their true face. Little baby can’t stop spending money on stupid sneakers and bottle service and coke and hookers because they want to be a “king”. Saving money and living humbly and frugally is out of the question for them. LMAO.
They were literally raised on watching other people (blacks) be shitty with money.
>the lowest IQ response possible
Thank you for verifying that I have more money than you do.
You have more money and yet you’re whining that you can’t own a home? You’re shit with money lmao. I own a home and make less than 120k a year. Shape the frick up, moron.
I don’t think “I’m entitled and rich” is the argument you need here, dude.
Are you really using the word entitled on Cinemaphile? Go back.
Whining about being owed a home when you make $120K but refuse to save your money for the downpayment is the definition of entitled. Deal with it, crybaby.
Without looking it up define the word entitled.
a feeling that certain things are owed to you
Expecting to not live like garbage after working hard, making something of yourself and earning good money isn't entitlement. I know that you aren't here yet but when and if you do get here you will understand the feeling. Thinking about having a child isn't even factoring into this, about how much worse its going to be for them. But yeah, don't complain about it because some room temperature IQ homosexual on Cinemaphile will call you entitled.
owning a home requires sacrifices if you don't have 2 incomes or family assistance. This has always been true for all of US history. Either you can accept that, or you can't. But pretending that it wasn't always the case, or that you're owed a home and shouldn't have to make sacrifices to afford one won't solve anything.
Good bait man, I almost gave you an actual reply.
I accept your concession of defeat.
I started deleting my reply when the 2 income part sunk in, given that stay at home mothers was the norm up until recently. If you didn't say that part you would have had me.
>stay at home mothers was the norm up until recently
you think they didn't work? Women were out in the fields just as much as the men.
You never had me, you never had your car
Being given a title or believing you are due specific treatment due to a title (colloquial)
I delight in knowing you will be abused and beaten in confusion at a retirement home by minorities soon. No matter how you cut it, you must work over 120+ hours a week to earn what people from your generation did at 40 hours a week.
>I will not sacrifice now for what I want later
i live in a high cost of living area. I save ~36% of my 80k income without trying. I track all my expenses and while I have my faults with dumb purchases, I've handled the big stuff well. If I applied myself and stopped drinking I could drop down to living on 1300-1500 per month. I bought a small foreclosure for peanuts that everyone else overlooked (omg its too small and the paint is ugly), paid off my used truck early, went to state college, etc...
Your whiny homosexual ass sounds like my sister. Highest paid member of my family, clearing over 100k/yr, student loans of 140k now since she doesnt make payments and insists it's impossible to pay off. She's on vacation every 3 months and doesnt budget. Its amazing how financial illiteracy mirrors fatty logic,
>i tried nothing and im all out of ideas!
>do you budget/count calories?
>NO
>save money? you mean live in a box?
>eat less? you mean starve?
I get it, public school failed you, it failed us all. But you know what? theres this device we all carry in our pocket that can look up anything. A little bit of curiosity will get you a long way. Ditch the learned helplessness and doomer shit and actually try.
>Rent is 2-3k/month
>Car payment is 500
>Groceries are another 5-600
>Health and car insurance 250
>student loans are 150
That's 40% of my monthly income right there.
Do what you can to get rid of the car payment. Take the humble, sell it and buy an early to mid 2000s toyota camry. Freeing myself of a car note was one of the best decisions I made.
>car payment is 500
>student loans are 150
Go to trade school, buy a used truck. There, just knocked off $400 off of your monthly
>used truck
That’ll be 30 thousand dollars please.
you also killed his income?
get a roommate
i had one for 4 years
>Rent is 2-3k/month
I live in NYC for $750/month
>Car payment is 500
Don't need a car, spend maybe $50 a month on public transport fares
>Groceries are another 5-600
For 1 person you're spending $150/week on groceries, wtf?
>Health and car insurance 250
>student loans are 150
my condolences on that one
how do you feel about the metro card prices being raised? I live in upper east side, what part of NYC do you live in?
>brags about living in Queens
Lol.
I live right up the block from the 7 train, so it only takes me 25 minutes to go from leaving my house to being in times square. Seems pretty good to me.
I travel for work. Average rent around the country is close to 3k. Staying in hotels is even worse.
I don't think you've payed attention to food prices in the last few years.
Take a look at the CPI for LAST YEAR…its fricking insane, and libtards have the gall to say its a global issue
Why doesn't your employer cover the cost of transport and lodging then? That's what mine does. And no I don't agree with you that the cost of food means you have to spend $600 a month for 1 person, that's ridiculous.
I get per diem. I have to make my own living arrangements and try to find something less than what my per diem and save money.
>live in squalor for 5 years and maybe you'll be able to own a home assuming they don't keep going up in price
Legit, have a nice day.
living on 100k is hardly squalor, that's nearly 3x the national average salary.
if you get a per diem that covers your travel expenses then why are you complaining about it? If your per diem is too low then negotiate for a better one.
>I live in NYC for $750/month
link me a zillow
do you live in a fricking cupboard?
guaranteed he lives in a two-bedroom shotgun apartment with five roommates in ditmas
No, I guarantee he's just a moron talking out of his ass. Nobody would make such an outlandish claim, and if it is the rare occasion of a minority bragging about his rent-controlled apartment he shares with a roommate, nobody would be so braggadocios about living off of the taxpayer.
I'm in Jackson heights, 3 BR shared with 2 roommates.
$2250 is extremely low for even a 2 bedroom, either you're rent controlled, in a broom closet or your BSing.
$2600 for the apartment, my roommates have larger rooms so they pay more. It's not rent controlled.
>If you make 120k salary
Exactly. Look at who I’m replying to. They said they can’t afford a home while they had a 120k salary. I own a home that I mortgaged in 2020 and make less than that.
>Exactly. Look at who I’m replying to.
I'm just emphasizing your point.
Thanks
what state do you live in
New York
nice, what part? I'm in Westchester myself.
Near Buffalo
its funny that i replied before you posted this. its funny how i knew.
NTA but I was able to buy my house in Westchester on 1 income without family assistance. All I had to do was graduate from law school with 0 student debt, and get a $200k job at a law firm. It's really that simple.
Westchester is BESTchester! Do you know Primetime Sam Roberts?
do you have an answer for people who dont want to live in hick shit upstate new york where you can buy a house for 36 dollars?
Since when is New York hick? Isn’t it a blue state? I thought the Demonrats were supposed be the cause of all inflation and unaffordability?
once you start getting above westchester it starts to change. you have some grace because a lot of nyc boomers sell and retire around there but as you go north it gets worse. i wouldnt live near buffalo if you gave me the deed.
Alright but you’re just skirting the argument now and barely staying on topic. The debate was about whether $120K is enough to get you a home. The answer is yes. You can easily live somewhere comfortable and nice with much less than $120K. Feel free to now cry about New York to cope.
i live in new york and im not the person you originally replied to. im tired of people acting like its so easy and how they have it figured out and then you find out that they live in a dismal place. yeah great man, i can afford a house in east cleveland too.
Have fun voting for Trump because your drapes aren’t pink, princess.
i dont even know what you mean by that
Maybe one day you’ll learn
typical buffalo resident, braindead and rambling
Imma movie to Potsdam and frick up Freddy Krueger. Just going to push his shit in.
huh?
i like when people cant afford something they want so they blame the whole world for their failure
outside of a few small cities, most of upstate New York is extremely rural and rustbelt. It often feels like upstate NY never fully recovered from the great depression.
Learning how to budget is insanely helpful and will change your life. Ive been earning decent money for a while and had little expenses but saved frick all, but then I started splitting my income up (50% expenses, 30% savings, 20% for luxury spending) my savings skyrocketed in a short amount of time. Now that I've got a mortgage I've changed the expenses to 60% and savings to 20%.
Home here cost 1.5 million CAD on average, I'm an engineer and I make over 100k. None of my engineering friends own homes, their parents do and they were barely educated. I mean I guess my 2.5k a month apartment is nice and clean I guess.
That’s got to be in some major city, couldn’t you move? It seems to be the last vestige of “vote with your dollar.”
I only work from home 3 days out of 5 and everything is expensive for kilometers and kilometers. I'd have to move like a million miles from anything for find anything affordable.
The first one is objectively true. Unions stopped being anything other than a way for union bosses to line their pockets decades ago. They protect the shitty workers all because of muh seniority and are more than eager to get rid of the young guys who actually work and put in effort the second they get the chance. The majority of unions in the US are corrupt and are more than willing to destroy the companies they're supposed to work with for short term gains vs actually allowing the company to grow so they can keep everybody working for years.
All unions are corrupt. It's extortion with a hat on.
thank you boomer sama
Millennialcucks really love crying and blaming everyone else, huh?
Boomers were right about you lmao
Now that’s how you meme like a boomer. Nice digits btw.
True, but who raised millenials?
israeli television
>spiderman gif text nene
hello fellow kid!
You didn't write any part where the Millennials are wrong. Because they aren't.
Also: you're bootlicker.
You still have to get a job at some stage.
this meme hit me hard. family gathering, everyones talking about renovations and shit they did to their home. tldr family gathering went like this
>hows your home value doing
>great! its about 600k now, only paid 45k for it in 1985, did well!
>hey kiddo, you planning on owning a home?
If you work 80 hours a week and invest wisely, you can probably purchase a good home by the time you’re 50. Stop being so entitled zoomer.
where did they buy it that it went from 45k to 600k?
milwaukie, redmond. that area thats turned into a shithole no one wants to live in anymore because of the insane homeless population
house on the end of the road went for 1.2 million 2 years ago
those are different towns in different states
i honestly thought i might of ended up staying awake for hours to see if anyone called me out
>15k
>equivalent to 47k
Is that supposed to be some own towards boomers? 47k is not great in any part of the country.
The meme itself is behind on inflation
What did you make at your first job?
Mine was 10 bucks an hour cleaning a warehouse in 2006 and that was seen as a very good job for a teenager. Full time that would be 20k a year.
So a teenager in 1979 working minimum wage made more than double I did making well above it at the time
it's fine to make fun of boomer talking points, but you can't really blame the average boomer for being moronic. They were literally raised by the television. You think someone sitting in front of the tube for all their life has the chance to develop critical thinking?
This image is so old now that inflation has increased the equivalent of 15k in 1979 to be $62,534 in 2023 dollars.
lmao at the triggered boomers coming on /tv and film/ because they don't do literally any fricking thing else but watch trash
Back in 1984 that would be the equivilent of like 145k today
He was a silent not a boomer
But the silents actually made it out best economically of any group of people on the last 150 years
>and I pay my taxes and I support Israel.
>and i STILL own a home. you?
>oh....you...you pax your taxes and support isreal and you...
>...live with your mom?
Vernon was the real protagonist and bender was a little shit.
This
>work 40 hour weeks
>tired
>probably have to put up with bosses shit
>on top of that have to put up with some unruly highschool shithead and his smart ass comments
Vernon should have knocked his dick in the dirt
This is why my gf quit teaching. Half the class is filled with Benders who know how to push the teachers and exactly what they can get away with.
movie?
My Dinner with Andre
1985's The Breakfast Group
>i walked in a company and got a job the same day
>i supported my wife and three kids on an entry level job
>i have a pension that allows me to retire in comfort at 55
>i paid off my house at 40 and brought a second vacation home
>i never had to look bipoc anywhere in public or on tv
over 150M people in the US have a job so it really isnt that hard.
>a job
that's barely enough to cover your sustenance so you can keep working that job
that's no life
average house is much bigger today
people seem to leave that out in these threads
who fricking cares if your starter home is small. starter homes dont exist any more
Come home white man
why are western (non-furry) porn artists so shit compared to japs? This anatomy and artstyle is disgusting.
Influence of extremely pozzed art schools
Should have learned to code moron.
So who do we tell to stop making them so fricking big? That's an issue, it's not something that needs to be happening.
well there has been a reaction to it.
https://www.wsj.com/articles/amid-covid-pandemic-housing-boom-demand-for-small-spaces-grows-too-11611311402?st=bvvoqftil5tw2q1&reflink=desktopwebshare_permalink
A number of states like New York are giving subsidies for home owners to build small houses on vacant parts of their land, or accessory units by converting a garage or an addition to their house into a separate unit to rent or sell.
Houses have gotten bigger because there's more profit margin in larger homes so developers quit building starter homes because they can't make as much. Naturally this has a massive effect on home prices.
>average
>not median
another stats moron
what's the difference?
I make over $90k a year pre taxes and live a pretty good life. I never got a college degree and I frankly am not that smart. I work 5-6 days a week depending on what project we are doing that week and I still have plenty of time to workout and cook non-goyslop meals within budget that are semi healthy (considering most if not all food in america is poison). If you are not clearing $50k a year as an able bodied man you are a lazy Black person that is worthy of ridicule and rebuke. Honestly, alot of you on here are absolutely pathetic and I absolutely loathe you for being a drain on the system. How can you sit here and complain about Black folk and israelites and still be a NEET? Build a legacy for yourself and your bloodline, get off your fricking ass
>I make over $90k a year pre taxes and live a pretty good life. I never got a college degree and I frankly am not that smart. I work 5-6 days a week depending on what project we are doing that week and I still have plenty of time to workout and cook non-goyslop meals within budget that are semi healthy (considering most if not all food in america is poison). If you are not clearing $50k a year as an able bodied man you are a lazy Black person that is worthy of ridicule and rebuke. Honestly, alot of you on here are absolutely pathetic and I absolutely loathe you for being a drain on the system. How can you sit here and complain about Black folk and israelites and still be a NEET? Build a legacy for yourself and your bloodline, get off your fricking ass
yes
Who the frick are you responding to, are you that stupid?
its a bot triggered by the word work?
>
>>I make over $90k a year pre taxes and live a pretty good life. I never got a college degree and I frankly am not that smart. I work 5-6 days a week depending on what project we are doing that week and I still have plenty of time to workout and cook non-goyslop meals within budget that are semi healthy (considering most if not all food in america is poison). If you are not clearing $50k a year as an able bodied man you are a lazy Black person that is worthy of ridicule and rebuke. Honestly, alot of you on here are absolutely pathetic and I absolutely loathe you for being a drain on the system. How can you sit here and complain about Black folk and israelites and still be a NEET? Build a legacy for yourself and your bloodline, get off your fricking ass
>and I frankly am not that smart.
why would you say that like you're at some sort of disadvantage because of it dumbass.
You will never be American esl. We can see your ip moron lmao
i make $90k working from home. i live with my parents. i have no savings bc i was a neet for years. i dont think ill ever be able to afford my own home
Me too little fella, me too
Move to somewhere cheaper, it's your only chance. At least you work from home and make a decent salary. Or just wait till your parents die and take care of them. Count yourself lucky.
>Or just wait till your parents die and take care of them
Great source homosexual
you don't need sources in Biden's America
Trumpgays vote against their own economic interests
Just live with your parents and inherit their home.
It's THAT easy.
>that part where he's telling bender how worthless he is and always will be
Imagine if bender just killed him there and then. He'd go to prison and the principal would be correct, but he'd also be a dead homosexual who can't posture over shitty kids with shitty families anymore
what year was that movie? chances are 31k is 90k today.
1984.
No public school dean makes 90k.
>The average dean of students salary in Connecticut is $122,846 per year or $59.06 per hour.
https://www.talent.com/salary?job=dean+of+students&location=connecticut#:~:text=The%20average%20dean%20of%20students%20salary%20in%20Connecticut%20is%20%24122%2C846,up%20to%20%24124%2C992%20per%20year.
seems they make more. our boy was being underpaid.
the movie took place in Chicago. That Connecticut salary must be from one the best private schools in the country. Connecticut is where old money is.
idk it wherever that website pulled that data.
70k isnt too bad. probably has the summers off right?
It takes place in the suburbs and a dean and a principal are two different things. It was also set in the suburbs and not the city. The range for a principal in Des Plaines is pic related.
I make zero and i read your notes.
I wanna talk about the milk situation
roughly
>$90k a year
in 2023
Move to West Virginia and buy a home for nothing.
depends on the area tbqh
>tfw i make 2.5k a month and my rent is 600 bucks
I don't even know if I'm poor or not.
the US government defines someone as being "rent burdened" when they pay more than 1/3 of their income on rent, and "severely rent burdened" when they pay more than 1/2 of their income. So that is not a problem for you.
For 2023 the government defines a person to be "in poverty" when they have a 1 person household with an income below $14,580. Generally a person making less than 2x that number is considered to be "working poor".
The funniest thing, to me, about today’s political climate is how the baskin robins trust fund bands that live off 6 digit+ salaries are the loudest ones to be crying about how they can’t own homes or all the prices are bad. It’s as if they live in a fragile and coddled bubble. They’ve been pampered all their lives by their baskin robins pa and ma and the moment they have to stop subscribing to OnlyFans and Twitchtubers for one week, they cry it’s the end of the world and they’re ready to vote in the next conservative shmuck to get rid of some regulation on carrying toxic chemicals on rail because that will apparently help them.
>baskin robins trust fund bands
What the frick does this mean? I've seen this dozens of times now, usually in relation to Seth Macfarland.
Is this your first forced meme, my keyed newfriend?
It's a 2011 ancientgay meme.
grim
what the frick
income is just a number, what matters is purchasing power
It must have been nice to live in a mostly white culture society. California in the 1950s looked so clean and comfy.
my gf is rich and I all I've ever done is work in tesco lol
I simply will not own anything and be happy about it. Call it successful demoralization if you will, but I will be content with the free shit I get online, and then I will die without leaving a trace of my existence save for archived posts from this site. I exist to observe and then die.
this gets looked over a lot, but holy shit, i was alive in the mid 90s to this day, and id trade all of that fricking shit for a direct mainline to Cinemaphile
>but Cinemaphile was always shit
YES. I WILL TRADE IT ALL FOR IT. ITS A WIN
>go on zillow
>look at CT
>tons of houses for 200-300k
>look at some fly over state
>even more houses for less
Sorry you cant afford Boston like you wanted or whatever.
Sorry you can't with a stem degree and a decent paying job afford to live in the place you were born.
the funny part is immigrants legal and illegal mostly rent which drives up rents and housing costs.....
but you wont see many younger people who are against legal or illegal immigration.
True, they don't like how that works lol.
Same with how all the illegals suppress wages
News here never shuts up about the real estate market and cost of living crisis yet act like it's just a coincidence, having the biggest population growth in the first world purely as a result of immigration never seems to come up in those same articles.
"homeowner"
aka the bank owns it and i pay them to not kick me out
Factually incorrect. A mortgage is a lien it doesn't convey title. Even with encumbrances on your title you still hold it in fee simple absolute.
Additionally, leveraging your money to buy property through a bank loan is one of the best investments you can make. Being against it on principle is moronic.
>I made $970,000 last year. How much you make? You see, pal, that’s who I am.
My Name is Richard Roma
https://youtube.com/shorts/ndputBeU6qI
>31,000 - 1985
>$88,641.27 - 2023
https://www.usinflationcalculator.com/
i turn 32 on sunday. i still live with my parents, and i pay them over $1000 a month in rent. i have a shit job living in one of the most HCOL areas in america. im a kissless virgin and have no friends, no prospects, and barely any hobbies. i have absolutely no desire whatsoever to own a home because im a complete and utter loser and all i think about all day every day is comitting suicide and hoping i die overnight. i cant even imagine what it would be like to be responsible for owning a home. all the shit im reading in this thread just reiterates that home ownership is beyond the effort that i ever want to do
tonight's the night anon
Why should I own a home if I'm going to die a virgin and never have kids?
buying property is a good financial investment, and has many intangible benefits. I don't know why, but it genuinely does make you feel like you've accomplished something, and have something that is truly yours.
>subhuman boomer seethe replies
imagine my shark
College graduate four years out. No job, no money, live with parents, no girlfriend, kissless (had sex with prosty). 28 y/o. No hope. The US shouldn't be bringing in immigrants.
Nowhere should. In Australia we have less than 1% vacancy rate with rentals and the median home price is now $1 million and despite this housing crisis we're bringing in half a million more a year over the next few years minimum.
>immigrants are the reason I can't have sex
college b***hes will go for poor homies even if there is no job lined up
>The US shouldn't be bringing in immigrants.
this is not the reason you have no job. Employment visas and H1-B visas require a showing that there was no US citizen with minimum qualifications willing to take the job. They're very onerous to get. Unless you're arguing that you don't have a job because you can't compete against the illegals cutting grass and renovating houses, even though you're a college graduate. If that's the case then idk what to tell you other than get some fricking ambition.
H1B is notoriously abused and on a gigantic rise these past months
The "illegals" (or any immigrant really) affect the entire job market by overwhelming the bottom jobs, destroying the wage of these jobs and pushing people who want real wage to seek higher education jobs, this influx also damage the wage and condition of these "educated" jobs
Just in case people try to argue by saying "It's always been like this", try to talk a bunch of boomers, you're bound to stumble upon a guy with a big family, two cars, a big home and then you ask what he did all his life and he just casually say that he got an entry level job at the post office and did it all his life
>H1B is notoriously abused
these "notorious abuses" are crap, the amount of H1B visas that can be given in a year are capped at 60k, which is FAR below the demand (or need, depending on who you ask). They run out on the 1st day they become available every year.
Are you seriously saying its such a terrible thing that these illegals are forcing you to go to college because you can't outcompete them as a janitor or fruit picker? Is that really what you want to do with your life? Aim higher anon, you're a US citizen for god's sake. Not gonna bother with the second paragraph, because that's just an unserious anecdotal cliche.
Yes the H1B is overwhelmed by demand (800k in the past months) which mean the administration can't properly vet fraudulent behavior, welcome to 2023
>Just aim higher
You're either not reading or not understanding, immigration effects doesnt just magically stop at the "fruit-pickers", that's not how the economy work
>watched my father sit onn his ass all my life growing up
>made me a lazy frick since I tohught I could just copy him and make money (bad influence)
>few jobs in my life, no savings now
>now that he's almost dead he refuses to give me money and is just blowing it on useless shit
He genuinely needs to be drawn and quartered for this. A young boy looks up to his father, he's his role model.
inheritance is never guaranteed, it's not your money
im a complete manchild. at 31 most people are looking at buying a house and even in this economy where people say buying a house is impossible, i know thats just an internet meme and everyone actually does buy houses now. but im not even considering buying a house. the undertaking required just to get a house like going through a bank, having a mortgage, escrow or whatever else there is, down payments, seeing interest rates, this all goes way above my head. im too dumb and apathetic to even go about caring about this. and thats before you even get into the maintnenace of a house like upkeep, major repairs, homeowners assocaitions, etc.
ill just stay with my parents. people like me dont deserve to even live on our own, let alone buying a house.
what about it confuses you? It's really not that complicated once you sit down and actually learn it. Especially the bank stuff, because after 2008 there were new laws that required mortgage terms to be spelled out in much more simple details, because so many people took out adjustable rate mortgages without really understanding what that meant. Learning basic repair and maintenance isn't a big deal either, especially now that there are a billion youtube channels covering it.
that is over $90,000 a year in 2023
almost noone ITT makes this much
>all those zooms making fun of millenials
lmao you homies are in for a rude awakening