Anon cant understand why normies are so financially irresponsible

[-]

Salaino0606@reddit

The answer does not excuse apps and subscriptions.

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Ssyynnxx@reddit

"The point of money is to have sex" mfw

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Steveius@reddit

Everything in the world is about sex, except sex. Sex is about power.

[-]

A scene from GoT comes to mind: Some moron, probably Tyrion (for this scene he was a moron) tells Cersei "knowledge is power" or some shit, thinking he was profound. Cersei simply tells her guards to execute him, but orders them to stop before they follow through. She gives them a few more orders, telling them to march around or something, and tells Tyrion "power is power".

My point is that what you said is pseudo-intellectual nonsense. Sex is about having sex. "Everything in the world is about sex" is a gooner take. Videogames aren't about sex. Working isn't about sex. Going on that family trip isn't about sex. Hanging with your buds isn't about sex (Having a gay orgy isn't hanging with your buds).

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Nimbus20000620@reddit

It was little finger, not Tyrion.

And the quote is from the office. It’s said by a character that the show doesn’t want you to find likable or sensible.

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Steveius@reddit

... it's a quote

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darklightmatter@reddit

Oh, my bad. Consider that lambast directed at whoever you're quoting.

"Put quotes in quotation marks like a civilized person" - Abraham Lincoln, 1984.

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Mizznimal@reddit

Is he wrong? Natural selection and the like

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pocket-friends@reddit

I mean, yes and no. The sex for food theory was a thing, didn’t turn out to be true. Even so, I’ll be damned if its name wasn’t incredible and it didn’t capture the hearts of millions of ayn rand fans along the way.

Evolutionary biology/psychology is just a techbro psyop.

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FeeblyBee@reddit

No. Evolutionary biology is a field of study concerning evolution that is taught as a standard part of the curriculum in every bio department in the world.

Never go full regard because some people you don't like abuse certain fields of study.

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rokomotto@reddit

Heh you non normies just don't get the economic concept of money equals sex 😎

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PanchoxxLocoxx@reddit

Pfp checks out

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Fryndlz@reddit

"The point of money is to have sex."

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itay162@reddit

Anon has a PhD in economics

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C_umputer@reddit

Anon also has Herpes

[-]

Chiliatch@reddit

Na. Anon has obviously never had sex. Who's says that shit that has?

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WingDingusTheGreat@reddit

https://www.hopkinsmedicine.org/health/conditions-and-diseases/herpes-hsv1-and-hsv2

[-]

C_umputer@reddit

Usually in this context, people mean HSV2

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sammiisalammii@reddit

I got news for you, whenever someone says anything about herpes they’re always talking about HSV2. No one really cares about your occasional cold sore. They do care if you have giant sores in/around/on your genitals.

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dumdumpants-head@reddit

Both 1 and 2 will happily populate your pee pee.

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DazedPhotographer@reddit

From another man

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WintersbaneGDX@reddit

Nah, he'd need to have spent his money on sex to make it that far.

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HerbLoew@reddit

With a minor in ~~his basement~~ freak-onomics

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Longenuity@reddit

I must be in crippling debt then

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AllenWalker218@reddit

Me no gf 10s of thousands in the bank me with gf $74 left over my face when

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Nacon-Biblets@reddit

Its not like hes wrong though, everything you do is to get to the point of making and raising a child, doing things to help other humans make and raise children, or killing time when not doing the first two.

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Boba0514@reddit

Well, biologically, yes. Don't you want to be any better than your monkeybrain?

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Special-Remove-3294@reddit

No. Having a loving family is the greatest joy one can experience.

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LeiningensAnts@reddit

I was born into a loving family and I can assure you, it's a nice perk, and ought to come standard with every new life, but there are so many more joys the world has to offer besides what ought to be the human baseline.

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Mushroomman642@reddit

Yes, and even this thing that ought to be the baseline is still so far away from many people's reality that it sounds like a fairy tale.

"Your parents actually loved and supported you? You must be lying, there's no way!"

[-]

LeiningensAnts@reddit

Absolutely the most uncomfortable fact I've ever had to come to grips with in my life, tbh; feels like I should have survivor's guilt, for being born into a perfectly normal situation which then, as it turns out, is better than like 95% of other homes. Jesus absolutely fucking wept.

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Lecteur_K7@reddit

What's wrong with monke life?

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OldManChino@reddit

we must return

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wallagrargh@reddit

Yeah that's why I nut in the butt

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_sephylon_@reddit

No matter what you do it will always be the doing of a monkeybrain

[-]

Letters_to_Dionysus@reddit

free will was always an illusion

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mphjens@reddit

"Better"

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Nacon-Biblets@reddit

Thats we have the other 2 options, monkeys dont really get to have that.

[-]

Sushi-DM@reddit

lesbians and gays have entered the chat

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YaBoiAsgore@reddit

you live your live to do things you like. sometimes that includes having a kid, but the main goal is to live a happy life, kids or not

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captaincw_4010@reddit

Well in an evolutionary sort of way yes the only real point of life is to create more life and everything else is only to further that goal in some way. Plants and animals are content with just the one mission just us humans love to side quest

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JSchade@reddit

in an evolutionary sort of way yes the only real point of life is to create more life

Well actually no, there is no point to life in an evolutionary sense. Passing on your genetics is not a mission or a goal, it’s just what happens to species that are more fit for survival in their particular circumstances. It doesn’t even necessitate that those genes are “better” than the genes that did not make it. All it means is that one’s genetic pool was better suited for a particular set of circumstances compared to some other set of genes. Attempting to add some sort of subjective value to evolution (such as implying that those who reproduce have “won” at life or that those who have more kids are better than those that don’t) is a complete and utter misinterpretation of the concept.

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seastatefive@reddit

That's because human side quests are vital to evolutionary success. Such as someone with a side quest to create a better weapon to hunt animals or kill other humans, or a better cooking recipe to extract more nutrition from things that cannot otherwise be eaten safely.

Unfortunately, modern civilisation has delinked human sidequests from human genetic success.

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Joshgg13@reddit

Why is that unfortunate? We've just moved up a tier in Maslow's hierarchy of needs

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seastatefive@reddit

Maslow's hierarchy of needs is a fiction because there is no self actualisation layer.

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Joshgg13@reddit

I mean, that's your opinion. And you're using it to argue that any hobby which you do just for fun and not to enhance your evolutionary success is basically pointless, which is a pretty cynical way of looking at things

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Ozymandias_1303@reddit

This but unironically.

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Unknown6656@reddit

"it's all about cocks."

~ Sir Bronn of the Blackwater, Game of Thrones.

[-]

ResponsibleStep8725@reddit

He tried to act like a functioning member of society but ended up sounding like even more of an incel.

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msto3@reddit

The dude who commented that has more chins than the Pepe

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KidKarez@reddit

I mean he ain't wrong

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throwtheclownaway20@reddit

I mean, they're not wrong in a purely reductive sense, but there's quite a few steps between getting money and getting sex, LOL

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RevolutionaryEmu589@reddit

Depends on how you go about it

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Omegawop@reddit

Ask any Freudian

[-]

Iyorig@reddit

Straight out of Disco Elysium

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OldManMoment@reddit

Based

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Mushroomman642@reddit

Which skill would say it though? Maybe Savior Faire.

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Iyorig@reddit

I’d attribute it to Electrochemistry, since it’s impossibly horny at all times 😩

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Haunting_Training_59@reddit

Everything in life is about sex and for sex except marriage is for power

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Neil_Ribsy@reddit

He's right if you really think about it. It's really the point of all life.

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Reynarok@reddit

Each tends to follow the other

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Makwo20@reddit

the whole point of money is to what....

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ConstanteConstipatie@reddit

If that’s true, 80k at 22 is very impressive

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poelover69@reddit

It's always either leeching off parents or lucky investment like bitcoin or a nice job through relatives.

Probably lives off his parents for free without even realizing how much at some point he has to start paying for food, housing and other bills.

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Silver_Orange_3653@reddit

you sound mad that he has 80k lol

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poelover69@reddit

You're failing college math, pretty sure only one of us got upset by a comment. And i'm not saying that it's wrong if your parents give you a great start, it's just stupid to go brag about your shitty deadend job letting you save gazillion dollars while wondering why doesn't everybody else do it too when not everyone has parents that make it possible to save +90% of your income.

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Silver_Orange_3653@reddit

i don’t care your finnish go back to your little tee pee in mongolia

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ConstanteConstipatie@reddit

‘Leeching off parents’ Is that American for your parents not kicking you out at 18?

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SunderedValley@reddit

I don't think ordering takeout for every meal and expensive coffee subscriptions really help you with getting laid that much.

Yes socializing costs money but genuinely not that much. My old favorite dance club let you in with like 10 bucks and even post COVID it caps out at 20 at its absolute worst.

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Motor-Delivery-869@reddit

But then you have to spend money on food drinks transport, and generally are more encouraged to take better care of yourself and your appearance, as well as pay for whatever thing your doing. Not saying that it breaks the bank but you definitely feel the difference in spending as opposed to quiet times

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SunderedValley@reddit

Very much true that. Hair cuts, nice clothes, restaurants, Uber rides etc, it's certainly something you feel but baselines still spend way in excess of what actually benefits them directly socially.

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scubadoobadoooo@reddit

Aww anon lives with his parents

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Regret1836@reddit

Anon should invest his money instead of having it sit in his low-yield savings account

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Major_Moose_14@reddit

What % of it?

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susimposter6969@reddit

Basically every penny you can spare, keep some aside for emergencies but money not working is wasted

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MalekithofAngmar@reddit

3-6 months expenditures as emergency fund is a good way to be safe. Your emergency fund is "working" by preventing you from having to butcher the golden goose in an emergency.

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GenesectX@reddit

investment advice on r/greentext is wild

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Tuarangi@reddit

I literally have less than 10p (about 7c I guess?) in my bank at all times, some income is invested in the markets, the rest in accounts paying interest monthly. My current account costs me nothing but equally has no benefits beyond access to a saver. I'd rather have money earning me 5-6% a month and move it in the day before a bill is due. You can have an emergency fund and balance debts while still making it work for you.

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BathTubBand@reddit

Do LSD shake it up, Big Dawg! :)

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tomboy_titties@reddit

I'd rather have money earning me 5-6% a month

So 60-72% a year?

Sure.

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Tuarangi@reddit

Sorry I meant it was that amount paid annually but I get the payment monthly

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GottKomplexx@reddit

Isnt it tedious to move money around when the bills are due?

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Tuarangi@reddit

Takes me maybe 20-30 seconds to log into app 1, do the transfer to my account, confirm it's in app 2. UK faster payments are generally all but instant

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Joshgg13@reddit

10p is 13¢ fyi. The £ is more valuable than the $

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Wesley_Skypes@reddit

So I have investments and am doing OK, but I always have a few K in current account because what you are suggesting feels really unwieldy for the amount of bills and sundries I have. Are you doing this every day? Are you only responsible for you or do you have a family? Not criticising btw, I'm just trying to apply this to my life and it feels massively unmanageable.

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Few-Frosting-4213@reddit

You should definitely build an emergency fund first. You are going to run into liquidity issues sooner or later for not much additional upside.

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Wesley_Skypes@reddit

Exactly. But even without thinking of that aspect, it just feels crazy unwieldy. Now I know Americams use their CC for a lot of things because it's beneficial (here in Ireland it is less beneficial as we don't get all those perks really and we don't need to build credit scores) but having a few K in my current account at all times just feels easier and safer to me..

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Moritzxd@reddit

2-3 month of salary saved the rest invested as a general rule of thumb

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Few-Frosting-4213@reddit

Keep roughly 6month-12 months of expenses as an emergency fund and dump the rest into investments.

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Joshgg13@reddit

Could your investment portfolio not act as an emergency fund?

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Few-Frosting-4213@reddit

The emergency fund protects you from having to sell investments at a loss or taking on short term capital gains tax instead of long term capital gains tax during emergencies.

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Joshgg13@reddit

Fair enough, I've never had nearly enough money to worry about paying CGT lol

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Q_dawgg@reddit

I’m addicted to letting my money devalue due to inflation. I just can’t stop letting my money devalue due to inflation….

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KitchenAd5997@reddit

I don't. that why i spend it all before it devalues. I imagine that my money now could buy 5 burgers. if i save it for the future It'll devalue and then i would only get to buy around 4 burgers :(( Youre technicaly getting 1+more burger for free!!! follow me for more money saving tips.

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undreamedgore@reddit

Real shit, how do you invest? Like I get the theory of it, but don't really want to day trade. So I don't know who to talk to or where to go.

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kachunkachunk@reddit

Find a platform you like (Questrade, Wealthsimple, or even your bank). Set up a recurring investment/transfer of $200 a month or something into your account, and buy an ETF that looks diversified and performs well. XEQT is a popular one and I'd easily recommend that.

Then just kinda let things grow for a decade or few. Ensure you're also taking advantage of any government regulated/registered investment or saving accounts.

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Regret1836@reddit

You don't really need to day trade at all, a good start would be to get a ROTH IRA and contribute your maximum each year, then invest in ETFs such as S&P 500 to cover the broad market

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stupidGits@reddit

Wtf. This sort of knowledge is extremely common and accessible these days. How did you not come across it?? First build an emergency fund and then put the rest in a broad market index fund. Like some etf that tracks S&P500 or all world equity index. Google. You will find a lot of info on this.

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LosingAllYourDimples@reddit

I think "in the bank" is a generic term

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BathTubBand@reddit

Why give a warehouse worker the benefit of the doubt? They are usually too proud to sign up for a 401k. Literal imbeciles.

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altofanaltthatisalt@reddit

Anon’s dopamine glands trigger harder when he hoards sweet cash than if he upkeeps a healthy sexual lifestyle.

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Cowboy_Dandy_III@reddit

Your money will come back, Anon, but your time won’t. People will happily part ways with their money in exchange for experiences

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Silver_Orange_3653@reddit

financial security in an age where financial security isn’t the norm and the age of slow economic decline

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WintersbaneGDX@reddit

Both Anons are idiots (shocking!)

Blowing all of your money on useless crap is obviously stupid. You need to learn how to save some money at a young age or you're going to have crazy debt and problems later on.

That said, yeah, why not spend some money on things that bring you joy? What's the point of life otherwise?

Balance, as with all things.

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Silver_Orange_3653@reddit

i don’t need to spend money to bring myself joy. money is literally just a psyop to keep us enslaved. they tell us we always need new stuff and more stuff, we just need to keep buying and keep consuming so they can make us work more and keep the wheels of their machine turning. it’s all bullshit

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fizzyboii@reddit

yeah but the problem is the people with shitty spending habits will see the part about spending money on things that make you happy as reinforcement for those habits. Even if u arent drowning in debt you shouldn't be eating outside, pouring money into hobbies and luxuries until u have a accumulation of money to help u live if u have a an injury/emergency.

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comrade_joel69@reddit

Holy shit someone with more than 3 braincells in the comments?? You're saying we don't have to pick either bedroom rotmaxxing or being a socialite addict??

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YourFavoritNew@reddit

I skipped some steps and now have a very painful paper cut.

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NotOnLand@reddit

Don't listen to the Egyptians anon, you can't take it with you. Fiscal responsibility is important but so is enjoying life

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ScRuBlOrD95@reddit

anon should give me his money so I could show him how to convert dollars into ounces

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yearningforpurpose@reddit

I wouldn't be surprised if Anon 1 grew up with a poor relationship with money. When you grow up worrying about if your parent(s) can put food on the table, you start sacrificing things you'd find interesting for the sake of not making things more difficult for said parent(s). As you grow up, this can turn into never wanting to spend or just hoarding money, as sacrificing your interests became second nature. Furthermore, this leads to difficulty in understanding why people would splurge on things. I used to think people who went to concerts were morons, why spend $100+ to sit in a sweaty crowd and listen to music you could hear at home? But as I grew older, I realized it's because it's not about the money.

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Ebear0702@reddit

I’m also a good saver when I don’t have depression

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josephumi@reddit

Anon2 is the normie that blows 3k in a week

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comrade_joel69@reddit

At least he's living life, 1 is bedroom rotmaxxing guaranteed. Or it's bait idk

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Hotwinterdays@reddit

You can live your life and still be financially responsible.

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comrade_joel69@reddit

No. You WILL spend all your money on substances and nicknacks, absolutely no balanced approaches, either rot while sitting on fat stacks or blow all your money

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Otto_von_Boismarck@reddit

Yea I mean having 80k saved with a shit job at 22 must mean he lives with his parents and doesn't do ANYTHING

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MadClothes@reddit

Depends on how long he's been working. Because if it's been since he was 18, he definitely has spent a good amount.

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Mmaximuskeksimus@reddit

If he lives with his parents and doesn't have any expenses and he's working since 18 he likely spent half his earnings anyway (20k out of 40k a year)

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comrade_joel69@reddit

Yeah, he's literally a fungus. Even shoots out spores when his parents enter to beg him to make friends

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captaincw_4010@reddit

Yeah if you never do anything interesting, live with your parents, and your thing is watching a number on a computer screen go up that's fine.

Also, regarded wearhouse worker anon is probably letting inflation eat his 80k while it sits in a 0% interest checking account

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Ottoblock@reddit

Living with his parents is the only reason he can save.

Good on him though, smart move. He’ll never be able to save with warehouse wages once he actually has to pay some bills.

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Mmaximuskeksimus@reddit

There are plenty of guys who are 22 also live with their parents but didn't save up 80k...

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PsychoSwede557@reddit

But he still has 80k at 22. That’s always gonna be impressive.

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WintersbaneGDX@reddit

Anon is Venezuelan and his 80k Bolivars is worth approximately $0.017 USD. But it's okay because Lionel Messi or whatever.

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PsychoSwede557@reddit

Lol this did cross my mind..

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godlyuniverse1@reddit

Warehouse anon should put it into the S and P 500, or go all in on GME

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Neon_Ani@reddit

also: rent. turns out not living in your mom's basement tends to be pretty expensive on its own

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cocainebrick3242@reddit

One anon is a dragon, the other is a wastrel. The ideal is something between the two.

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usdaprimecutebeef@reddit

It also usually costs money to live, anon probably doesn’t have to pay rent or buy food for himself. Perks of being a basement dweller

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EZ3Build@reddit

First Anon is on to something.

Second is bait

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Mesarthim1349@reddit

First Anon also probably doesn't have much fun

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Th0rizmund@reddit

Fun = not knowing the difference between ‘can buy’ and ‘can afford’? Huh.

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Hotwinterdays@reddit

It's funny how people act like you need to spend money to have fun. That's a YOU problem and exactly the point.

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Mesarthim1349@reddit

I'm not saying that because he saves his money. I'm just saying that because he saves his money and also uses 4Chan.

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fsm_@reddit

I am in a similar condition. I have a lot of fun since my hobbies dont require me to spend any money at all.

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Mesarthim1349@reddit

Nothing wrong with that, I just get an impression from people who shit on others for what they do for fun (if theyre normal social activities), that "this probably isn't a happy guy."

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ICoraxI@reddit

I feel like that's overly cliched and most people who dump on others aren't particularly unhappy or happy

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Mesarthim1349@reddit

On 4Chan I'd be willing to think they are.

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Hotwinterdays@reddit

I don't think 4chan OP is saying the way those people have fun is a problem, they're pointing out how people have lifestyles that don't support their financial or life goals.

4chan aside it's hard for people who don't have unhealthy spending habits to wrap their head around the people who do.

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colthesecond@reddit

Because fun is a commodity, and just like any commodity you could priduce it yourself or pay to have it much faster and more of it

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comrade_joel69@reddit

First anon tells himself that to sleep at night while everyone else -- I mean da normies -- go out and live life. Have fun while your alive omg

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Silverware_soviet@reddit

I dont think thats what the point of money is

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fizzyboii@reddit

the point is to do money spreads in front of homeless people

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FadedSightz@reddit

What a warped view of life lmao

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avagrantthought@reddit

I had 10k at 18

unless you got it from a job, someone should tell him that not everyone starts with 10k lol

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colthesecond@reddit

He said he works in a warehouse

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avagrantthought@reddit

That’s present tense

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Otto_von_Boismarck@reddit

Sounds like he got it from a job otherwise I don't think he'd mention it.

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avagrantthought@reddit

You’d be surprised. A lot of these entitled idiots assume everyone starts with some money but just recklessly spend it.

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Otto_von_Boismarck@reddit

Lmao good point

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AccountSufficient944@reddit

The root of anons point is correct, but it's coming from someone who's main method of passing time is posting inane threads on a redboard.

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MothWaifu1711@reddit

The point of money is to spend it; preferably on cool stuff (as long as you can cover your bills and keep enough in case of an emergency)

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noseyHairMan@reddit

I see. That's why I am so rich

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Schaden_Fraude@reddit

Just dropping by to remind you nerds if you are disabled in amsterdam you get an allowance to pay hookers each month

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CaterpillarLoud8071@reddit

Social activities generally cost money. Not being single costs money. Hobbies also cost money. Learning to be efficient with money is a process for most people, and some people find it so boring to be efficient that they'll never learn. Better to be happy I guess.

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BurakKara34@reddit

Anon is going to hookers everyday

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Guest65726@reddit

Oof second comment still wrong but it’s getting warmer

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Calm_Structure2180@reddit

Can we all agree that 3k in a week is pretty insane.

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ToumaKazusa1@reddit

I spent 4k in 2 weeks while I was on vacation overseas, including airfare.

3k in a week is pretty crazy, unless you're blowing most of it on expensive concert tickets or something, idk how you'd even do that unless you were wasting money trying to flex.

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Reasonable-Towel6225@reddit

WOW! Wage cuck and life cuck by 22, OP is killing it!

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MadClothes@reddit

You sound like the 45 year old at my job making 18.50.

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InfiniteSynapse@reddit

Anon just lost the game and doesn't even know it.

I've seen people work so hard only to die soon after retirement and having no chance to spend all the hard work they did.

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ToumaKazusa1@reddit

Fuck now I lost the game

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WannabePokerPlayer@reddit

Anon probably does cold plunges and doesn’t let himself enjoy things because he’s “disciplined”, AKA never had to overcome any adversity in his sheltered life so he creates said adversity in the form of social media trends that are just making yourself uncomfortable. You’re better than us because you don’t enjoy life, anon!

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Bland-fantasie@reddit

They’re both right from different perspectives.

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stijndielhof123@reddit

I am with anon on this one, i spend way less than i make but with current housing and other bills to pay in the future it would be really dumb to not at least have 10k in savings

[-]

ZenyxRV@reddit

Nobody in this image has sex

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Youre_so_damn_fat@reddit

Honestly the point of money is what you make of it.

Save your cash for financial security and important purchases (like a house) at the expense of your social life? Reasonable take.

Spend your money enjoying yourself and having life experiences, at the risk of ending up broke? Also a reasonable take.

"Balancing" both? Cool, should you save 5% of your paycheck? 10%? 25%? What are you saving for? To reach a specific goal or for a "rainy day"?

Neither Anon 1 or Anon 2 are right or wrong. Money has no inherent value - it's what you use it for.

[-]

foukoshima@reddit

Imagine thinking you are « saving » money in a (((( BANKESTEIN)))) account with 1,65% interest rate. Anon will be flabergasted when ((((they))) will take it for warfare effort.

[-]

CT0292@reddit

1st Anon was lucky in life. Didn't need to worry about buying a car, or food, or anything apparently.

2nd Anon is a madman. And I'm here for it haha.

[-]

Ornery-Example572@reddit

first half of the red text was good, then derails into what you should not make your income exclusive for

[-]

CrustyJuggIerz@reddit

I just love food and spending dough on my mates. I've got a great paying job and I really lucked out, a lot of my friends didn't so when we go out I'll shout everyone tea, happens a lot. I'd rather see all my fiends smiling because they don't have to worry about their finances when we go out, than save it all.

[-]

showFeetPlzuwu@reddit

Smaug posting

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Ajatshatru_II@reddit

I got my first women in my comic club where my only job was to attend the weekly meets and borrow some comics (that I would never read) from my collection.

You don't need six figures. Just have a hobby and not be a 4Chinner.

[-]

MrOsmio7@reddit

The OP is the most cranially-sound 4channer ever

The response is from a blithering idiot

[-]

Ajatshatru_II@reddit

I don't know, second guy isn't right but somewhere in the ballpark. A lot of young guys or girls spend money like idiot mostly of superficial shit, Not exactly to attract mates.

The rampant rise consumerism in recent years doesn't help either. I have seen gals making 1/10th as me and buying shoes that cost like 2k.

Not my money not my problem but it's funny when you notice it.

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