Nope. Got my FE last month for 1550 almost brand new. Dude got it on Amazon and was legit. I know the 50 was coming out “soon” but I’m sure I wouldn’t be able to snipe a FE version and would have to wait a year or so after it releases.
As a broke college student, I started with a 1050 with Ryzen 3 4000 and had that for 6 years. A friend gave me a Ryzen 9 7950x this year and I said fuck it after buying helldivers. I wasn’t able to play it and could not refund it because loading in and playing with settings took over 2 hours. The motherboard was also going bad probably since the pc would randomly reset.
If I could have got my hands on a space marine 2 edition rx 7900 xtx with matching parts, maybe I would have gone that route but Why mini itx with bad ass 4090 in it is good soup to me.
No! I can afford it. I have my PC on 0% interest credit that I can comfortably afford for the next 12 months.
Then, when I’m ready, I’ll go high end everything again and either sell the old build or keep it or give it away.
Work hard = buy what makes you happy.
I can afford it. I could pay it off right now.
You clearly don’t understand the purpose of credit. Credit cards are a tool. The money is better off in my account where I can use it for other things, including investment, home improvements (another form of investment), or fun (holidays).
I can afford the direct debits I have set up, in the same way I can afford my mortgage.
Seeing things in black and white like you are is not a clever way of managing finance.
You’re wrong for four reasons.
1) all purchases should be on a credit card and not a debit card. It’s more secure. Also you earn points but mostly it’s the most secure way to spend money
2) time value of money. $100 today is worth more than $100 a year from now.
3) The value of staying liquid. If I can put a big purchase on a zero percent loan that means I have more assets in case shit goes sideways
4) I keep as much cash as possible in a hysa. So by not pulling money out of my hysa I can actually make money
He said zero percent credit.
People who are smart with their money will know the value of zero percent credit. It doesn’t mean they can’t afford it.
I managed to get the majority of my PC parts on 0% finance through PayPal for 48 months. So I can pay off several grand over 4 years at zero additional cost
Invest that several grand in an index fund for 4 years and you will come out making a healthy profit
>0% interest
If they bought Nvda with their $1600 then over the last year they'd have earned $3400, enough to buy two more 4090's.. If they bought Tbills instead, they'd have earned a risk-free <$80.
If you aren't utilizing 0% interest to your benefit, during a time of high inflation and a stock bull market and 5% risk-free rates, you're objectively bad with money.
How does that even make sense? He has 0% interest, so he can put the 3k in a high interest savings and make money while he pays it off. Not to mention the points or cash back you get for using a card.
He is paying 0% for the credit, even if you had the money it makes more sense to not pay it off. He is basically making money on the loan with inflation
Nah man lol, I buy stuff with my credit card just for the points all the time. I never use anything but a credit card online or retail because it's safer as well.
My rule is that I only put things on credit that I could buy right now (because I have the funds available in my bank account). Like you, I do it for the points, good credit history, and for the aforementioned points above.
It is immature to think credit is addition money or a necessity to afford luxuries.
I’ve never wanted one, it’s so far beyond what I need for gaming and I don’t do much behind basic productivity tasks outside it.
I’d rather throw that money into a trip somewhere or just save it for my kid.
I feel like I spent too much money but also realistically it could last me 10+ years compared to most GPU’s that may last 5.
Obviously on the assumption that I wouldn’t be an upgrade fiend..
I have a 4070Ti Super and am regretting it a bit tbh. It's a good card but I think at 4K it won't be lasting me long. Considering upgrading to a 5080 later this year depending on the price.
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