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420chan is Getting Overhauled - Changelog/Bug Report/Request Thread (Updated July 26)

Financial Health

- Tue, 20 Aug 2019 08:30:21 EST P9ojuMsl No.4895132
File: 1566304221154.jpg -(300711B / 293.66KB, 1199x848) Thumbnail displayed, click image for full size. Financial Health
How healthy is your bank account? No debts? No excessive spending?
Michael Chiarello - Tue, 20 Aug 2019 08:32:44 EST nJkrco7e No.4895133 Reply
what's your social security number OP? post pics of the card
Eugene Pagglekurk - Tue, 20 Aug 2019 08:46:41 EST sVlGi/lg No.4895136 Reply
I got no job, no money, no debts and I don't spend money on anything except weed. I live with my parents in a nice house in a quiet secluded neighborhood and they still buy all the food and pay all the bills and cook me dinner most nights. I just can't see why the hell I would ever want to work 40 hours a week just to have half my salary go to renting some shithole apartment in the city surrounded by people. I don't even know what I'd do with the other half of my salary either, just buy more expensive weed I guess.
Elijah Joy - Tue, 20 Aug 2019 08:53:53 EST xIvA5Qzu No.4895140 Reply
Just my mortgage and a bit of student loan.

I spend whatever I feel like and have a couple of thousand saved for emergencies. Could probable build more savings if I was a bit more frugal but whatever, I want to enjoy life by not stressing over money.
Poké Kid Jack - Tue, 20 Aug 2019 09:09:23 EST 3jYNjpgz No.4895150 Reply
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My financial situation is a lot better than my friends, which makes it difficult for us to hang out sometimes. I don't mind smoking them out but we can't go to bars or restaurants anymore until they get their shit together (unlikely)
Losers calling me a yuppie cause I can afford a beer
Noonian Soong - Tue, 20 Aug 2019 09:13:37 EST R7XItxgS No.4895152 Reply

Your parents aren't gonna support you forever bro. Eventually you have to start paying your own rent and electricity and heat and food and all sorts. That's where your salary goes.
Collector Shit - Tue, 20 Aug 2019 10:55:35 EST qFZ+kaGb No.4895174 Reply
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Got 13€. No debts of any kind. Well I do owe a beer to a friend.
Burglar Martin - Tue, 20 Aug 2019 12:06:32 EST R9TB/QmX No.4895192 Reply
I don't have a bank account.
Winstrate Martha - Tue, 20 Aug 2019 12:33:13 EST 9vkhWhOP No.4895206 Reply
I don't see why they wouldn't. I already save them more money by living here than I cost them because I maintain the property for them. When they die I'll probably inherit the house and I'll just sell it and live somewhere cheaper and live off that money. I don't really have any desire to work because I've personally never enjoyed it and have no plans to start a family of my own. I've been getting by from just doing random jobs for people every once in a while for drug and vacation money. Yes, it's not normal and normal people think I'm crazy, but I think normal people are crazy so it's all good.
Poké Kid Jack - Tue, 20 Aug 2019 12:37:04 EST 3jYNjpgz No.4895211 Reply
I like the way you think though if I were you I would have some contingency plan.
Winstrate Martha - Tue, 20 Aug 2019 12:45:35 EST 9vkhWhOP No.4895217 Reply
I already bought a class B RV actually as a backup plan from my last stint as a wageslave. If they ever kick me out I will just live in the van. I plan on moving to an area with public wifi and a free dump station nearby. I bought all my own tools too so I can continue to do odd jobs for people to finance myself. I think my parents knowing that is keeping them from pushing too hard to get me gone. They know I will never become normal or be someone they can brag to their friends about.
Data - Tue, 20 Aug 2019 13:15:39 EST K7HSz1on No.4895240 Reply
80k in debt
part time job
live with mother
Chase Masterson - Tue, 20 Aug 2019 13:44:09 EST NLSBUn1b No.4895264 Reply
I know a guy like that. I couldn't live that life but I also like my job. If your name is Gav then you're probably that guy. I could believe it though I think you're American Gav, he has a converted van (no ducks though). I respect his decision to take it easy and do what suits him while still actually living a life.

Got a student loan but the deductions are income based so I have a safety cushion and am saving for a house. Need a promotion for a big enough mortgage but by then I'll have saved more.
Burglar Martin - Tue, 20 Aug 2019 13:48:19 EST R9TB/QmX No.4895266 Reply
I had an uncle who lived pretty comfortably in an RV. It's something I'd like to do myself if I weren't so tied down socially. You can easily buy a cheap inverter and power small appliances like microwaves, hot plates, slow cookers, etc, as well as cart around a small charcoal grill and tent. I had the back of essentially a minivan tricked out with a hookah and sleeping area not only was it not bad, it was luxurious, kind of, plus you could hotbox and listen to music inside, tether your laptop on your phone and just chill.

The crappy part is if you are using a van like that, though, they won't let you stop at certain RV stops, has to be an RV with the actual hookups. There are VW buses and things like it that are vans with RV hookup conversions, though, something like that should be fine.
Winstrate Martha - Tue, 20 Aug 2019 18:26:05 EST 9vkhWhOP No.4895444 Reply
Probably counting mortgage and/or student loans. Medical possibly too. Medical debt is actually the leading cause of personal bankruptcy in the US and can easily get to 80k from just a single hospital visit. I will be surprised if he says it's from anything else.
Chase Masterson - Tue, 20 Aug 2019 18:28:05 EST NLSBUn1b No.4895448 Reply
That's an insane mark up. US medical prices are just blue sky made up numbers.

A mortgage is a pretty hefty debt but it does come with an asset too. Unless you fuck up badly.
Gerard Kuiper - Tue, 20 Aug 2019 20:55:34 EST dsDRA5Dc No.4895540 Reply

Mortgage isn't really a debt, because it's backed by an asset of nearly equal value under your control.

Just sayin.
Hits Biggington - Tue, 20 Aug 2019 20:57:37 EST 0U455U8O No.4895542 Reply
About 6K and some change. I just dropped 30K cash on a new car though. Probably like 20K in my retirement account. No debt.

I'd love to get a camper van or RV and ditch my apartment, but I'd freeze to death in winter where my job is.
Trentin Fala - Tue, 20 Aug 2019 21:13:15 EST yUwOsz8/ No.4895560 Reply
No debt, other than the mortgage. Going to save a bit more so I can finally pay the house off. Hopefully this year. Can't fucking wait. Debt is slavery.
Masaharu Morimoto - Wed, 21 Aug 2019 01:18:10 EST jJWn2j0O No.4895852 Reply
I have 800 bucks and no debt. I’m 27.
Taki - Wed, 21 Aug 2019 02:23:59 EST HGwITWea No.4895876 Reply
I've got about 250USD to my name plus 70 bucks bookstore giftcard.
No debts. I'm doing okay. Slowly improving my situation.
Burglar Graham - Wed, 21 Aug 2019 04:04:31 EST 3jYNjpgz No.4895898 Reply
>Move into an apartment
>Previous tenant hasn't changed her credit card report address yet
>12 months later
>Decide to open them because fuck it I'm moving out
>9000 dollars debt spent on restaurants and bars
>Not a single payback attempt was made

To be honest I'm surprised the bank let it go for as long as it did. Walked out of that apartment feeling pretty damn good about myself and the things I achieved that year. (Graduated from college and broke up with with my Stalkerish girlfriend)
Burglar Graham - Wed, 21 Aug 2019 04:07:15 EST 3jYNjpgz No.4895900 Reply
>The guy who've wasted all his time on /high/ for the past year is a loser in real life

Color me surprised.
Varys - Wed, 21 Aug 2019 04:34:33 EST NlblDIzS No.4895908 Reply
Anyone know what happens if you don't pay your credit card debt, other than having shit credit?
Admiral Nechayev - Wed, 21 Aug 2019 13:23:21 EST NLSBUn1b No.4896051 Reply
Probably more like 30. But you've got to live somewhere. Right now I pay 30% of my post tax income towards someone else (a large housing association) and in the last 10 years I've had 3 new showers and an oven to show for it.

Currently there are stickers on my door because they wanted to inspect my heating flues but gave me a day's notice for an all day appointment, twice, without calling. Then when I wasn't in stuck a sign up saying I might poison everyone with carbon monoxide. When I phoned up I was told it was "due" but I've been there 9 years and this is the first visit so maybe they could have provided some notice. Also there's only electricity here "you might kill everyone" line is bullshit. They regularly visit and inspect stuff (which I have to take time off work for) and when I call up there's never any notes on my fucking record about all the stuff they saw.

A mortgage would be a couple of hundred more but I would have garden and space to have people over and ability to put raw plugs into the wall to hold shit up and get the work done for fibre optic so I'm not stuck on 2009 internet forever. If I'm really hard up I could also have a lodger or some shit. Rent keeps going up above inflation rates and I'd be getting poorer if I didn't get promoted twice. My career can't keep going up forever and I want off this ride before I die on it.

So in short. Fine. Whatever 30 years of debt and a house over 15 years of this and then homelessness because I've been priced off the rental market entirely.
Seamus - Wed, 21 Aug 2019 13:57:03 EST Q7G8h1M0 No.4896064 Reply
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>measuring self-worth through money
>shaming cannabis use

Who let you in?
Robert Irvine - Wed, 21 Aug 2019 17:01:55 EST Odh4Xtei No.4896134 Reply
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I've got ~20K in the bank and less in a 401, a condo, and no debt beyond the mortgage for said condo.

I'm making fuckall compared to the rest of the country, but it's not bad for a low cost of living area.
Phil Ken Sebben - Wed, 21 Aug 2019 17:16:55 EST z23z29pl No.4896144 Reply
Max it; pay it out; Max it; pay it out.

My financial advisor asked me If I sold drugs because nobody just 'comes across $1000'

I work as a night guard and live with my parents.

So yeah I can afford to throw 4 figures around hah
PhyllisGattingspear.com - Thu, 22 Aug 2019 07:38:18 EST v7gTZQOt No.4896450 Reply
When you're a night guard, the "customer"/intruder is always wrong. Haha.
Valentina Smegtooth - Thu, 22 Aug 2019 13:53:57 EST IM4a7BF5 No.4896527 Reply
Starving artist. My baby mama supports me but I do work here and there. I think she only likes me cuz my parents are letting us live in their old house.
Simon Bangerfuck - Thu, 22 Aug 2019 15:11:44 EST aZp/VF3j No.4896568 Reply
I work day to day getting the money I need for that day. Sometimes when I have an excess I spend it on cocaine.

A vicous yet awesome circle rly
Karl Swarzchild - Thu, 22 Aug 2019 16:10:14 EST qLtdSMZN No.4896586 Reply
Bank account? Who cares. My crypto wallets are pretty healthy tho.
Nell Lightwell - Thu, 22 Aug 2019 19:18:14 EST SyJ41SU5 No.4896685 Reply
Why would anyone tell you this?
JamesPillerdale.xls - Thu, 22 Aug 2019 19:34:26 EST dk0W6TjB No.4896694 Reply
I rate people on reverse credit scores. You rate high for obedience, I'll give you that.
Ninja Boy David - Thu, 22 Aug 2019 22:19:58 EST tz3izaXt No.4896759 Reply
>>I have four credit cards

get points, fly free

learn to churn, people
Beatrice Sabbleshaw - Thu, 22 Aug 2019 22:58:10 EST yUwOsz8/ No.4896773 Reply
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What if I'd rather not jump through any of these silly hoops
Kolyat Krios - Thu, 22 Aug 2019 23:02:06 EST rO+GGMpN No.4896776 Reply
What hoops? You simply use different cards for things that give you points for different things. I have a credit card I use specifically for groceries that earns me points, and a card that earns me points for plane tickets on things that are not grocery stores. Do you not understand that?
Ninja Boy David - Thu, 22 Aug 2019 23:09:15 EST tz3izaXt No.4896780 Reply
If you get really clever, and you have high spending, you can get some pretty crazy good deals.
Jean-Baptiste Troisgros - Thu, 22 Aug 2019 23:22:38 EST SyJ41SU5 No.4896788 Reply
>buying groceries on credit card
Ghetto finance 101 graduate I see
Beatrice Sabbleshaw - Thu, 22 Aug 2019 23:51:05 EST yUwOsz8/ No.4896798 Reply
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>Spend money, save money, spend money, save money. You have to spend money to "save" money. Sign up for this. Sign up for that. Collect all the platimum credit pointz. You gotta do it for the savings!
Kolyat Krios - Thu, 22 Aug 2019 23:54:50 EST rO+GGMpN No.4896801 Reply
Your insults do not harm me for they are merely baseless. What do you buy groceries with, monopoly money?
Kolyat Krios - Thu, 22 Aug 2019 23:56:10 EST rO+GGMpN No.4896803 Reply
Oh yeah, I should have mentioned: If you can't pay off your credit cards, then don't have them. Boy I didn't realize I had to say that but look where we are
Dark Link - Fri, 23 Aug 2019 00:35:09 EST 91rpFOPW No.4896831 Reply
I make 900 dollars a month. 600 on rent. 100 on water and light. Live alone. Like, 10 g's in hospital debt from i-know-not-where

Also, goddamn that picture >>4896773 is fucking grim
Jean-Baptiste Troisgros - Fri, 23 Aug 2019 00:47:06 EST SyJ41SU5 No.4896840 Reply
Cash and checks. Because racking huge debts to put for load of bread and cheese instead of paying cash immediately is stupidest thing I ever heard. Why would you even do it on credit?
Kolyat Krios - Fri, 23 Aug 2019 00:49:09 EST rO+GGMpN No.4896841 Reply
Arcade Star Matilda - Fri, 23 Aug 2019 00:54:46 EST Sw4EF+pD No.4896842 Reply
Why stop at using a check? You should get money orders and mail them to the grocery store.
Carlos Cabrera - Fri, 23 Aug 2019 01:30:35 EST WbOq9bs2 No.4896847 Reply
same but I go to 4 concerts a month and I've been going to anime cons. planning on one this weekend in fact. I do fine, lately I've been having nearly as much as I get a month, by the end of the month which is just nice. I want to stop spending so much on weed though.
Joseph Sisko - Fri, 23 Aug 2019 10:03:33 EST cVA+At24 No.4896911 Reply
Some meth head in Arkansas used my debit card info to buy some shit at a Walmart and now I have to wait for a new card and the entire situation is making me want to deal with all of my transactions in 100% cash all the time. How secure is online banking if some hillbilly can steal your shit from 100 miles away? Answer: not secure at all
Guillaume Tirel - Fri, 23 Aug 2019 11:41:36 EST R9TB/QmX No.4896941 Reply
Yeah, but it's not like anybody will blame the system, they'll just blame you for getting your info leaked by some dubious company you gave it to, even though they promised they'd keep it safe.
Fleurette - Fri, 23 Aug 2019 11:56:31 EST BUXX3cCg No.4896949 Reply
Lol, this

I have like $60k in credit available in cards and I carry maybe $1300 each month. I know self control isn't part of your Fully Automated Luxury Gay Space Communism so it isn't popular here.
Kolyat Krios - Fri, 23 Aug 2019 12:07:50 EST rO+GGMpN No.4896955 Reply
That's not true at all, I have literally never had an issue and my bank is incredibly good at noticing suspicious activity. You really should define "blame" because I don't know how you can call it that if they inform you in advance, replace your card, and there are no penalties.
Charles Honeyville - Fri, 23 Aug 2019 15:15:44 EST dCLHaBIE No.4897029 Reply
The churn is real. Some people in Canada earned tens of millions of points using shenanigans until the card got shut down for incredible merchant fees. Like, dozens of first class round trip flights territory.
Jean-Baptiste Troisgros - Fri, 23 Aug 2019 17:00:15 EST SyJ41SU5 No.4897070 Reply
Why wouldn't you use cash to begin with? Are you that interested in having accessible records of everything you buy? I do everything in cash. No one needs to know my exact groceries and grocery bill. By all means keep getting balls deeper into system of the Beast though. Might as well turn off script blocking and add blocking too. Why not tie email and passport to your credit card too? Maybe after 1000 purchases walmart gives you free cookie like good little peon.
Arcade Star Matilda - Fri, 23 Aug 2019 17:12:42 EST Sw4EF+pD No.4897072 Reply

>Are you that interested in having accessible records of everything you buy?

1984 is here, you can steer into it and get while the getting is good or not. Have fun separating the change from your bills while getting rushed along in line to put in your wallet because zoomer cashiers don't understand how paper money works, hopefully you have a coffee can big enough to keep your fat billfold in.
Hector Guerrero - Fri, 23 Aug 2019 17:24:07 EST 1m1oC5hD No.4897075 Reply
>using cash because paranoid
>still using a smartphone and web browsers
Chell - Fri, 23 Aug 2019 18:18:38 EST UHTSKArl No.4897088 Reply
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edge google and Samsung aren't gonna fuck your ass raw like the IRS will if you deposit undeclared income into your bank account or live large outside your declared income.
Jean-Baptiste Troisgros - Fri, 23 Aug 2019 19:02:49 EST SyJ41SU5 No.4897101 Reply
Well that would explain your moronic post.

>Have fun separating the change from your bills w
Are you teenagers really that fucking retarded? Do you now even know how to make a budget?
Hector Guerrero - Fri, 23 Aug 2019 19:28:32 EST 1m1oC5hD No.4897111 Reply
Oh well if you're stacking dirty money or evading taxes, sure. But that's really not a large group of people proportionally. And then you gotta wash it if you're going to buy anything worth while. And hope nobody EVER figures it out. Probably better off going into a skilled trade and starting a business, or sales or something.
Guillaume Tirel - Fri, 23 Aug 2019 19:51:38 EST R9TB/QmX No.4897126 Reply
It'd be a lot easier to feel compelled to follow the law if we didn't people in high places constantly avoiding punishment and paying themselves back when their shitty real estate fund scams go bankrupt.
Hadley - Sat, 24 Aug 2019 04:17:08 EST tAtsgU2w No.4897231 Reply
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Financial health is a matter of practice and not giving up.
Thomas Tootworth - Fri, 06 Sep 2019 10:29:11 EST lQzDNnh+ No.4902011 Reply
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FIRE is fine. Saving is like exercising. Do it constantly everyday.
Khan Spacerider - Fri, 06 Sep 2019 22:04:31 EST BKtutlKy No.4902211 Reply
I have so many fucking points.
Camper Graham - Fri, 06 Sep 2019 22:10:48 EST Q7G8h1M0 No.4902215 Reply
Share some of your points fucker.

Or gimmie some credits at least.
WilliamMallercocke.hex - Sat, 07 Sep 2019 20:13:58 EST 3C6acTL4 No.4902515 Reply
>Fucked around in college and didn't get a degree.
>HS Diploma and a tiny bit of experience in trades.
>Can't get a job that pays more than 14 dollars an hour.
>Can't into women because enthusiastic fucktard.
>Everyone around me competes with dual incomes for housing and food and everything.
>Most people aren't enthusiastic fucktards and can move up in their jobs and make more money.
>I'm stuck making barely double digits, no insurance because companies fuck around with hours.
>Literally the cheapest rent in the hood is 900 dollars a month. I don't even make 1500.
>If my car breaks or I get sick it is all over for good.

Social Darwinism at it's finest. Anyone got amazon prime so I can order an exit bag? Can't afford shipping, brb starting a kickstarter.
WilliamMallercocke.hex - Sat, 07 Sep 2019 20:17:46 EST 3C6acTL4 No.4902516 Reply
noice cat planet. au tis tic filters to enthusiastic.
Kinda like how forever a lone filters to foreveralone
Samanosuke Akechi - Sat, 07 Sep 2019 21:18:45 EST w3/BkVun No.4902564 Reply
Work with what you have, make it cute.
Do ass-paints. Paint your butt into people and putt wigs on top.
Paint your butt into animals. Learn ass ventriloquism.

This is why you haven´t made it, this is why you´re economically unwell.
Think of what you can do with what you have, instead of just pointing at what you don´t.

Put your ass to use, work your ass in whatever way works.
Samanosuke Akechi - Sat, 07 Sep 2019 21:24:14 EST w3/BkVun No.4902565 Reply
Like hell, you can paint your ass to have lips, teeth further inside the crach so they're seen if you lift your cheeks. Then you grab a load of grapes, baby carrots and a bunch of small-ish food items and pile them up, lie on your side (googly eyes on the upper ass cheek optional) and then you proceed to have the first ass mukbang cosplay ever. Lifting your cheek to pretend-chew.

Like do you even dream. Do you even dream.
WilliamMallercocke.hex - Sat, 07 Sep 2019 21:47:28 EST 3C6acTL4 No.4902580 Reply
Nope, I; nor may ass, has ever dreamed a dream. I've accepted the ultimate fate of my existence and disavow trying to escape it. Let the void take me. Hail Sithis.
Abel - Fri, 13 Sep 2019 21:42:03 EST 9Rvx9IIY No.4904986 Reply
I work hard for the money and want my moneys to work HARD.
Penelo - Sat, 14 Sep 2019 03:39:20 EST uOL6AxR4 No.4905113 Reply
Surprisingly healthy for someone who used to live in a big city and live paycheck to paycheck, because I'd be eating out all the time and paying shitloads of rent where there would be ~6 of us paying ~$200 a week, but I moved into the middle of nowhere for a farming job and fucked all that shit off at the expense of having a social life and actual forms of entertainment.

So now it's living alone, renting still, but only paying $120 a week for a five bedroom farmhouse that I only use two rooms in. Saving around $500 a week, so after two years there's a bit saved. I'm buying a tiny cottage in the next town over later this year for really cheap and look set to stay here, but it isn't for everyone. No TV reception and the same satellite internet I'm on now, but I get peace and quiet and wildlife and and stars and huge backyard fires in exchange
Tokyo Magnum - Sat, 14 Sep 2019 08:37:37 EST IFk3V+YJ No.4905170 Reply
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I have about 10k altogether,
A third on the stock market, the rest in a few different accts
No debt but I have a small boat that i live on to avoid high rents so that costs me about 3 grand a year

I was fucked up poor for a long time but I finally feel like I'm coming out the other side.
AngusBindlefield.xlt - Sat, 14 Sep 2019 08:43:55 EST 04tjlyga No.4905171 Reply
>small boat

Is safety a concern? How long have you been living on the boat?

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