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Money is needed to survive in today's modern urban world. In the simplest terms, it's a measure of resources available to a person or persons and more is usually better. Also it's always nice to have reserves or savings in case of emergency. >How's your relationship with money?How NOT to use your hard-earned money, splashing it on frivolous items:https://www.youtube.com/watch?v=zUOh09GoQgk
>How's your relationship with money?
Hey OP, fucking bite me.
>>4826751Not sure what this has to do with questions of financial acuity.
>>4826749... . . . but money's not real
>>4826764Government action makes it real.
They couldn't print out or keep up with everyone that much.
>>4826749My relationship with money is abusive. I keep trying to leave it behind but I need it to function in society so I tend to use and manipulate it without really liking it as a person. Eh, money could do better but I take it so many places I think she's using me in a way, too. All's fair in ones and war.
>>4826769Those aren't 7's twinkling in the night sky and you'll sure as hell never catch a giant 3 from the local pond; you can go yell "GAGGLE!" at the geese all you want, but that just ain't the goose in the pan, now is it! Money, like numbers, just aren't real, whatsoever at all, in any way, shape, or form, period.
Could be interesting, to say the least. 31 flavors of communism.
I spend money on tabletop figurines >>>/tg/27685Dont judge me, bro.
I'm of whatever economic status makes your company want to impress me. Ideas about your products that you spread here are likely to result in increased sales, because users like me are influential in social circles offline and elsewhere online. This is where the happenin' young folks come to cool out. Imageboards are where popular Internet trends originate. This is a worthwhile place for you and your company to advertise.
>>4826818how does Ferengi work in a post-scarcity world?
>>4826829they get depressed, turn to drugs and start shitposting on imageboards
>>4826832Or Ferengi are into mobile-games (mobage in Jap)https://www.crunchyroll.com/anime-news/2019/03/15/fans-have-spent-more-than-3-billion-on-fatego-worldwide
More money = no problems
decent I supposeI save around 60% of what I earn net, and 10% of my gross goes to buy company stock options which is matched by my employer I only spend 400/mo. on rent and run a personal home server for cloud applications (movies and music are pirated then provided via SSH/NFS to my other computers) and what debt I did get while going to school I am paying down quickly now (paid off 21K of debt this last two months, so only 40K left lol)I have to commute with my car, which was a 19K purchase this year, but it's very managable with my income
someone help me get enough money to have exactly 1 million american dollars (1.3m CAD) so I can buy and refit how I like a schnazzy houseboat and also a gun and then take it up north and live off the river and the forests and the yellowknife city dump like one of those ditrty boat hobos that you get up north like that.
>>4827012How was your week? Do you like breaking bad? Really good show
>>4827012someone please donate to my gofundme to buy me a boat and gun but for different reasons
>Avoid financial hot water. it scalds!>>4827012Gunship? I know a couple of Californians on the coast that live on docked boats (no permanent address); it's not allowed but they keep it quiet so no one knows. Also I have a nagging suspicious that the couriers that deliver stuff to work sleep in their 2 ton vans. No one installs a collapsible bed just for a lunchtime nap.
>Avoid financial hot water. it scalds!
>>4827360California is mostly a cesspool of desperation with a sprinkling of repugnant wealth.
>>4827362The term is WEALTH INEQUALITY. One of the reasons of the French Revolution ending with the guillotine on Marie Antonette's neck. *slice*
>>4827373I don't think it's exactly that simple. Lots of people move to California to get their "big break" which almost never happens. The wealthy are more than happy to make use of this for underpriced skilled labor basically. It's a pretty consensual abusive relationship.
>>4827376"Coerced" isn't the same thing as "consensual" though
Money’s ok I guess, my parents are pretty well off and saved up a ton of money for me to go to school so I spent a bunch of it on drugs and festivals, I still have like 30k in the stock market but I make 2200 a month which is enough to pay the bills and smoke weed everydayI’m too poor for a gf and I could easily afford one if I tapped into the savings but the thought of some dumb hoe taking the money my mom worked so hard for years for fills me with rage so I smoke weed and go on the internet and watch Netflix and eat beans and pasta, next year I will probably get hired at a better position and make more money enough to pay for a girl and children and if the economy doesn’t crash we can use the money to buy a nice little house out in the country and grow food and cannabis and not have to worry about money anymore really >>4827373>>4827376It’s not as simple as wealth inequality, California doesn’t have wealth inequality in the traditional sense where the upper class is leeching all the wealth from the lower classes.California is home to the most important resources of mankind: namely, Silicon Valley, the major information companies like google and Facebook and all the algorithms and the supercomputers running them, and the people who understand how they work, much of the intellectual capital of our species.The massive amounts of wealth streaming into the tech industry isn’t taken by oppression or coercion, it’s rewarding the fact that many of the tech workers in California are contributing to things that will advance our species, that have incredible value for mankind not in some idealistic communism sense, in the sense that billions of people want to post memes and stream cat videos instantly So, they have a few hundred thousand people doing completely unique and irreplaceable work worth billions of dollars, and then living in the same state you have people flipping tacos and doing shit that any of the 7.5 billion people on earth could do, adding maybe $15 an hour worth of value to the world in their jobs.There’s no way to smooth over that gap through government policy. You can’t just redistribute the wealth, it’s not your wealth to work with; it’s the wealth of the entire world, being channeled into the places where it’s most useful. Taking money from around the world and using it to fund a welfare state in California is economic imperialism. Even in the most radical sense of the workers controlling the means of production, the educated, talented tech workers from around the world who would control the capital wealth of California are completely different from the millions of poorly educated, marginally useful whites blacks and Mexicans. And if you really do try to tax them to pay for welfare they will leave instead of paying for your welfare.Louis XVI didn’t predicate his divine right of dominion over the people of France on a series of predictive behavior analytical algorithms that can finish your sentences as you’re typing and come up with products to advertise to you before you even realize you want them.
>>4827415Wow I bet when you fart in bed you pull the covers over your head so you can suck it all up.
>>4827379Who's coercing them? The pursuit of fame is coercing them.Yeah there are some exploiters in Hollywood definitely. But there are also people willing to allow themselves to be exploited in the hopes of fame. That equation is a blurry one. I say fuck fame and keep your dignity.
>>4827415>And if you really do try to tax them to pay for welfare they will leave instead of paying for your welfare.This would be a good outcome. I agree with your post, but the tech industry needs sociocultural and political diversity. Geographical diversity would help.
>And if you really do try to tax them to pay for welfare they will leave instead of paying for your welfare.
>>4827422>>4827415Too many USAians making bad choices thinking that they are big break to riches. Temporary poor? They are deluding themselves to being financial serfs unnecessarily.Amazon has pickers treated like flesh & blood robots at minimum wage while upstairs management makes business decisions in air-con offices and get 6-digit salaries. I'm not saying that people with college degrees shouldn't make more than warehouse pickers but that *HAS* to stir up resentment. As for tax, accountants are paid big bucks to do a Irish double-cream sandwich to ensure megacorporations pay no tax on billions of earnings. Is that fair?What to see a person's true nature? See how she treats wait-staff.
>>4827415>California doesn’t have wealth inequality in the traditional sense where the upper class is leeching all the wealth from the lower classes.Hahahahahah>if you really do try to tax them to pay for welfare they will leave instead of paying for your welfare.In South Korea, illegal capital flight was punishable by 10 years to death. Imagine how effective the American state could be if it were used for good, like assassinating parasites trying to run off with their peoples wealth.
>California doesn’t have wealth inequality in the traditional sense where the upper class is leeching all the wealth from the lower classes.
>if you really do try to tax them to pay for welfare they will leave instead of paying for your welfare.
>>4827446Unfortunately if you don't have high skill you won't be highly paid. I made the mistake when I was younger of assuming that hard work or exceptional consistency gets you better pay, or benefits of some kind. But it's actually the difficulty of replacing someone that drives their value. Jeff Bezos is hardly at fault. No one wants to over pay. But I suspect those white collar workers don't have their feet up on the desk all day. And as long as the economic gaps don't grow too large everything keeps working smoothly.>>4827454I smell central planning.
>>4827454>imagine how great the American state would be if it worked as an imperialist weapon for redistributing wealth from countries around the world so that fat lazy useless Americans generating nothing of value for the rest of the planet get to live a cushy consumption based lifestyle fueled by billions of slaves making $2 a day It’d be a lot shittier for the 7.2 billion humans who are not American plebs.You don’t get to advocate full socialism sharing and redistributing the wealth that your country has plundered from the rest of the world without sharing with other countries. Either you benefit from being near the centers of global capital while allowing them to flow freely, or you go real, actual world socialism where getting people in Africa hooked up to power and clean drinking water is a higher priority than your student loans and tranny pills. The house slaves taking over the plantation and making the field slaves pick cotton so they get rich instead of the master isn’t gonna happen. It’s the height of greed and hypocrisy.>your plan is literally to force people to stay in your country and work for your businesses at subpar wages far less than they’d get elsewhere to pay for giving you free stuff When you literally start threatening to kill people if they won’t go along with what you want it’s time to reconsider your beliefs That being said a universal healthcare system and an education system that doesn’t put people in debt for life isn’t some wealthy luxury it’s a necessity for the modern world, taking care of the people isn’t the same as feeding them redistributed material wealth. It’s demanding a lifestyle with 10x the income and consumption as someone doing the exact same job as you in another country simply because there are more rich people in your country that’s disgustingly greedy.
>imagine how great the American state would be if it worked as an imperialist weapon for redistributing wealth from countries around the world so that fat lazy useless Americans generating nothing of value for the rest of the planet get to live a cushy consumption based lifestyle fueled by billions of slaves making $2 a day
>your plan is literally to force people to stay in your country and work for your businesses at subpar wages far less than they’d get elsewhere to pay for giving you free stuff
>>4827471I just wanna taxation with representation. I remember a country going to war over that.You make it sound like billionaires did everything .all by themselves...
>>4827464Working white collar I've found that while I need increasingly more skill to do my jobs as I get paid more, the work itself isn't more demanding. When I worked retail or manual it was far harder to get through the day and get out of bed. It's ALL about skills. However that's fucked up. The problem is that wealth is generated using infrastructure and customers and these big companies don't pay their taxes here, they funnel them through Ireland or whatever where it's lower by manipulating profit figures. They don't pay their share. They can't flee if everyone puts their heads together with regards to tax but with any collusion one person breaking it ruins it for everyone. Or you just say "oh you expanded 50% but report no profits, that means you're engaging in non competitive behavior" (they probably are as well, but if you're growing without profit that means your only goal is to funnel resources from elsewhere to reduce competition) and slap them twice as hard as their tax bill would be. This doesn't require collusion between governments, just balls. Now they're making profit so they're going to pay their fucking tax on it rather than give it up. Amazon won't leave your country if you make them pay tax. Less profit is better than none. And if they do leave what then? Someone will replace them and sat within their safe haven will be able to compete in other territories. That's really bad for them. Also those "skilled" people aren't irreplaceable. For every multi billion dollar exec there's hundreds of people who are being paid a fraction who, if given the experience and opportunity would be as good. They are over compensated for the value they add and they're far more replaceable. There are career failures who move from one place to another, ruin shit for 18 months then hop, but in a case of emperors new clothes no one says "oh no it was terrible" so they get promoted faster than the people who make the shit they fucked up work. Even within leadership there's those who add value and those who take it.
>>4827477>However that's fucked up.Not really. Hard, careful work is not more valuable than innovation. But if you're really good at making lattes, for instance, you should work at a specialty coffeeshop rather than Starbucks, since the customers and staff are more likely to reward your refinement.>The problem is that wealth is generated using infrastructure and customers...And innovation.>and these big companies don't pay their taxes hereSome of them don't, not all innovation comes from big corporations, in fact many of them can't innovate the way a smaller business can.>the rest of your postYes, there are problems. People behave badly, there is survivor's dilemma, corruption and incompetence in companies and in governments. But it could be argued that these forces actually drive necessary improvements in the dynamics of companies and governments to resolve this. Problems can't typically be solved until they manifest.If you live in a decent country, like maybe not Somalia, then you should try to act well and help drive progress, despite the fact that you might get occasionally burned. Because there is no other long term strategy. More developing countries have this nasty cycle where the people are cynical and selfish due to bad social structures, which in turn damages the social structure, and maintains people's cynicism and selfishness etc, but at the end of the day we do pursue a better life generally and that will necessarily have to endure the opportunity cost of bad actors.
>However that's fucked up.
>The problem is that wealth is generated using infrastructure and customers
>and these big companies don't pay their taxes here
>the rest of your post
I make roughly double minimum wage and about 1/3rd of my paycheck goes into savings. I think I'm doing pretty well. I'm also single and have no child, so haha all of you dependent trapped peoe
>>4827509that's pretty good. the first step with finances is making more than you spend, everything else is pretty much secondary.
>>4827477Yeah the multi million dollar executives and generally everyone working in business isn’t generating such a disproportionate amount of value, although they’re at least part of the same organization as the people who are. It’s specifically in California that there are so many knowledgeable and highly skilled tech workers doing things with global impact, there are a lot more people making 150k+ in Silicon Valley writing code that will be used by thousands or millions of people than there are millionaire executives. Although there are a lot of both.It’s not so much the tech workers though, it’s that Silicon Valley is home to the organizational structure in charge of running and administrating most of the big data algorithms that have been analyzing human behavior for decades and represent the height of human progress and knowledge.And they can move it, they don’t want to they will pay taxes if they have to like they would in any other country but they sure as fuck aren’t going to fund your ridiculous parasitic welfare state where everyone gets 40k a year from the government while a billion people in Africa and Asia are living on $1.25 a day.It’s one thing to have amazon deliver shit somewhere, it’s another thing to have their global headquarters and hundreds of billions of global profits flowing through there. And while you can use that flow of profit to fund basic infrastructure and social development in the host society, wealth inequality is the price of having that wealth.
>>4827514>making more than you spendDeffo numero uno here. If you live paycheck to paycheck you're fucking up somewhere along the line not working enough hours and/or living beyond your means. Tip for the newbies, having savings for an emergency is more important than getting high, because what the fuck are you gonna do when your stoned ass breaks down on the side of the interstate with zero money?Like, it sucks and all, but having money is one of the most important things to living a material life in this day and age. It won't do shit for your soul, but having enough money that you never have to worry about.. uh, money, is pretty good.
>making more than you spend
>>4827550I def get what you're saying but I rather finesse my way to better paying posiitons and do both lol. thats what I did when I got tired of living the way I used to. just lied on my job applications and landed positions making $2400 every 2 weeks. I could get high as fuck with a full blown opi addiciton and still have money leftover to save and pay all my bills/rent/whatever. but I'm a retard, not too responsible. lost everything due to a series of events out of my control and now I'm back living at home and struggling to find a new job in a different field because the last field I was in was quite immoral. I was basically putting businesses out of business due to their shitty financial situation and dire need for cash and then selling them loans anywhere from 25%-60% (1.25 or 1.60 factored rate). I never made so much money before but after a year of doing it, it really got to my head.so now im extremely poor with no assets anymore and going back to school. such is life I guess. should've listened to my parents.
>>4827545>Yeah the multi million dollar executives and generally everyone working in business isn’t generating such a disproportionate amount of value, although they’re at least part of the same organization as the people who are. That's true but it's not reasonable to expect fairness in compensation exactly. As long as opportunity is fair, that's about as good as we've gotten in terms of economic systems. There's a fair bit of chance involved too. Also wealth is subject to diminishing returns anyway, once you hit a decent middle class income, any further income is not really making you much happier. Rich people are depressed and addicted and kill themselves all the time.>>4827550>Like, it sucks and all, but having money is one of the most important things to living a material life in this day and age. It won't do shit for your soul, but having enough money that you never have to worry about.. uh, money, is pretty good. Now that I have a bit of money I actually feel way less bitter and anxious about life. But if you're young it's not unlikely to be poor. You see old rich people and get jealous and resentful. But really you have your whole life to earn money, and your body and mind will eventually deteriorate. Youth>wealth but wealth you can earn over time. Youth is a ticking clock no matter what you do. Old rich people would trade their wealth for youth in a heartbeat.It's also worth noting that young men are basically socially disposable, and often get treated as such. Men gain value as they reach middle age(assuming they do something useful with their lives) and women start adulthood as valuable as they'll ever be, and their value declines as they reach middle age. It's fucking vicious but it's life and it's the same for everybody, more or less.So if you're a young man and you feel like no one cares about you it's because they pretty much don't. You have all this potential(especially physically) and you haven't proven your worth. Add value to yourself and status will show up one day and surprise you. >>4827551>lied on my job applications >the last field I was in was quite immoralYa don't say?! At least you're not starving or dead.
>Yeah the multi million dollar executives and generally everyone working in business isn’t generating such a disproportionate amount of value, although they’re at least part of the same organization as the people who are.
>Like, it sucks and all, but having money is one of the most important things to living a material life in this day and age. It won't do shit for your soul, but having enough money that you never have to worry about.. uh, money, is pretty good.
>lied on my job applications >the last field I was in was quite immoral
Thinking about money in a rational manner is worthwhile, when intellectual titans garner attention and wealth with true genius for profound achievements, that have tangible value. If you're smart and you work hard, society will reward you. Makes perfect sense!
>>4827557I learned my lesson but I was in a desperate situation before and it worked out in my favor for years and built up my resume. the first job I got this way was amazing and not immoral but they ended up downsizing after 2 years and I was the last one on the chopping block. I was about to step up to COO position before they decided to fold. fucking sucks. but I want to do it all legit and do what I love so it worked out I guess.
>>4827570keep on keepin on Alice.
>>4827507You said that wealth comes from innovation and you're right. But the innovators rarely benefit, sometimes they do. But there's more Phillip Greens than Henry Dysons (country revealed, Dyson's still a turd though for supporting Brexit then relocating his factory to Malaysia).Also how do people innovate? Are they born able to make those things or do they get fed and looked after and given medical care and protected by the police and educated by society? Whoever you are you depend on someone else entirely at several points in your life. All those people made it possible for you and to just let them languish is terribly small minded. I know someone who works at a specialty coffeeshop and she is marginally better off than starbucks. Actually when I consider the details she's worse exploited. I keep forgetting to ask if she got that pay rise. Short story: she's treated as a contractor despite functioning as an employee, she gets living wage page for ship supervision and her skillset would get her out the industry where she'd get the same money for less hours, sick leave, pension contributions etc (which he skips as he's not her "employer")I've worked retail and manual as I said and it's much harder for less money. A lot of the people I worked with couldn't do what I do and I can do more than I currently do. My line manager probably does work harder than me but it's still not being yelled at by drunk customers (or threatened though people don't tend to threaten me, especially not the sort of cowards who'd abuse a store clerk), no out in the cold weather, no hazardous machinery, better leave and sickness policy, as long as the office isn't deserted we can take lunch whenever, if I need to leave early every now and then I can do that if I make it up later, if the shit really hits the fan I can work from home while I wait for builders to fix something or the like. Perks the people in my tescos don't get, even Mo who sometimes works two tills at once during the busy periods so he can serve someone while the other one faffs.
>>4827606>You said that wealth comes from innovation and you're right. But the innovators rarely benefit, sometimes they do. Everyone benefits from innovation.>But there's more Phillip Greens than Henry DysonsDebatable.>Whoever you are you depend on someone else entirely at several points in your life. All those people made it possible for you and to just let them languish is terribly small minded. Who said those people should languish? A rising tide raises all boats right? The taxes that a corporation or individual pays now is inevitably supporting innovators in the future.>I know someone who works at a specialty coffeeshop and she is marginally better off than starbucks. Actually when I consider the details she's worse exploited. There isn't much demand or scarcity for talented baristas. She should find the job best suited to her. Maybe there is greater benefit in putting an artisan coffeeshop on her resume vs. Starbucks. The point is, working smart is better than working hard, and you have to consult the market to determine your professional pursuits, rather than what you think should be in demand.>I've worked retail and manual as I said and it's much harder for less money. I assume you're saying retail is harder than manual labor. Debatable, but you have a larger labor pool for retail because women don't typically succeed or even pursue labor jobs. Not to mention it's easier to work in retail with a variety of physical limitations. Again, difficulty is only a small part of it, scarcity drives prices. Also, working retail involves more social skills and some people dgaf about drunk or angry customers, and other people are shaken by it. Some people hate digging holes in the sun but other people find validation in that.If you're not a drunk and have some sense, however, you can probably get farther in construction because there are fewer people competing for those management positions, and the stakes are higher.
>You said that wealth comes from innovation and you're right. But the innovators rarely benefit, sometimes they do.
>But there's more Phillip Greens than Henry Dysons
>Whoever you are you depend on someone else entirely at several points in your life. All those people made it possible for you and to just let them languish is terribly small minded.
>I know someone who works at a specialty coffeeshop and she is marginally better off than starbucks. Actually when I consider the details she's worse exploited.
>I've worked retail and manual as I said and it's much harder for less money.
Reminder: time to meet with the financial advisor at the bank.
Why US rappers always singing about money and sex?
>>4828332It's an ancestral song, a mating call. Sometimes it works lol.
>>4828315it's a form of manipulation, the record execs don't green light the positive songs, they love it when they rap about money and degeneracy because it influences the black youth in a destructive way. Remember when rap was positive and about helping the community before the big record execs got involved. Lots of rappers have talked about this but they know it's biting the hand that feeds them if they come out about it. Some have though... Look into it. Start with Eazy E, 2Pac etc. A lot of modern rappers will tell you the same when they try to release positive music its straight up slated off the album.
>>4828376And that's also why we have all these sad boy white rappers and a ever growing suicide rate in white youths / drug use because it's being glorified in the same way as the rap music back in the late 80s early 90s.
>>4828376How naive are you to think that record execs have any agenda but making money?"Ohoho, let's get together and influence the black youth in a destructive way!"It's what they think will sell, based on past data. Only. They're not exactly geniuses, so they're often wrong, but they wouldn't try to push anything they didn't think could make them maximum profit
Did 420chan get new ads?
>>4828387it's comforting to some to think that instead of chaos and universal indifference, there are people in charge and they're competent at what they do, even if their intentions are bad.
>>4828529Yeah, now there's one right in the middle of the page.
>>4828531They wouldn't just let it all go to hell, would they?
>>4828601short-term gains over the long-term. there's less of a long-view among people in power than people sometimes like to think.the really scary idea is not what people control, conspire towards, etc. it's the things that are beyond the control or scope of anybody.
Lol, someone at the place I work took one of those "For Motion Picture Use Only" bills recently. It got all the way to the bank and they called us on it. Franklin was making a way dumber face in the one that was passed though. Turns out it's easy to pass fake money off if it's in a quick pace, low light scenario.
its not hard to make and save money, change my mind.
>>4828664It can be hard to do both of those things, but one must make higher order assessments if they`re having issues with it. Like it can be hard to make money in a slowing industry. Or it can be hard to save money if you have a drug problem. Lawl look at me arguing against my own beliefs.
>>4828664Quit your job now then.
MMMhttps://www.mrmoneymustache.com/2013/03/19/a-lifetime-of-riches-is-it-as-simple-as-a-few-habits/Spend less, save more..
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