In the last few weeks a trend emerged on TikTok where women explain how they spend money. But most importantly, they reveal how they make sense out of those expenses, even though some of them don't make sense. Lo and behold: girl math: https://tiktok.com/@danielasotohealth/video/7267396650690268417
It's over for market research-cels. Zoomers will tell you their spending habits unprompted for a bit of internet clout.
What does ‘girl math' look like?
1. Forgoing sales means losing money
Imagine you're at the mall, and you spot a cute handbag at a discounted price. You want this item and it's on sale — not buying it would be stupid, right? This is ‘girl math' and the marketing industry loves it.
Brocels remind me to never share a bank account if I ever marry
2. Skipping daily expenses makes you money
Say you love drinking coffee everyday. Where I live an espresso costs around €0.75 — I know, come to Portugal. If I don't buy coffee one day, that means I've made €0.75 for the day. Quick mafs.
3. Paying with cash is like paying with free money
The cash sitting on your wallet feels like Monopoly money. You don't see any charge in your bank account, you don't see the numbers drop, so it's not as painful.
I've always considered it low IQ behavior. What compels these people to publicly admit to it, and even associate it with your gender?
A Consumer Expenditure Survey by the U.S. Bureau of Labor Statistics found out the following: men spent an average of $41,203 a year as opposed to $38,838 by women. In absolute terms, men do spend more than women.
Foidsisters we are so back, science has saved us once again with cold, hard facts.
However, when we take into account how much each gender earns on average, the story changes. According to the Census Current Population Survey, men earn an average of $76,460, whereas women take home $56,360. In other words, men spend $53.8 out of every $100 they earn, and women $68.9.
This is why fighting for equal wages is evidence based policy. It's basically like quantitative easing.
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I actually agree with this. I hate cash and never carry it and when I have it for some reason I get rid of it as soon as possible. It's usually on gas though.
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You also keep all your money sitting in a savings account rather than investing it. Probably nobody should follow Carpmath with their finances
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Savings accounts are at 5% right now and that is absolutely outperforming my stocks
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Only bc the banks are guaranteed 5% from bonds and they desperately need your deposits. You could get the same return or more without the middle man. Either way, enjoy it until the market crash
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spookieturkeymerrynew yearJump in the discussion.
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Yes, why would I take 5.25% in a same as cash account where I can keep my money as liquid as a checking account when I could just lock it into bonds for 12 months and get 5.25%
This is why I only take financial advice from schizos on street corners, their advice is far superior to anything on rdrama
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At least you would be locked in for a year. I doubt your returns in the bank last that long. I'll be surprised if they hold the economy together 12 more months. You are going to be locked in the same way if there are more failed banks
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spookieturkeymerrynew yearJump in the discussion.
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I understand that, but to me having a couple hundred k that's as liquid as cash is worth the risk of losing out on 0.5% of my APY for the year. I would say that this tiny risk tradeoff is worth it for the vast, vast majority of people.
You taking a quantifiably worse option to stick it to Chase, which it sounds like is the real reason, is fricking r-slurred. 10 Trillion dollar Blackrock conglomerate doesn't give a shit about the $67 they'll make for the year leveraging your 15k in neetbux, lmao, use their services if they fit your needs better
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As someone who had to deal with the fdic after a bank failed, I would be very wary of having a couple hundred k liquid in one bank. Even if it's technically insured in full by the FDIC, they make it heck to get your entire amount back and it is not quick
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gonna have to agree with the dramatard above you. liquidity makes it worth it. three months ago i had a ton of money in HYSA. but for me it was because im building a house without a construction loan, and wanted to make some quick dough while waiting to complete the draw schedule. already got about 20-25k from just chillin.
would have been nice except the project is already about 250k over budget
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yeah that's what I thought a year ago lmao
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u know u can just withdraw ur moni
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Not when the bank goes under. This happened recently. When it happened to me decades ago, it was a small bank and not national news and the FDIC are ginormous buttholes. They don't just release your money when you have a lot of money even if you are married and have a business and everything should be insured
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holy shit r u r-slurred? burgers have like 300k$ insured
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In theory. I am telling you in practice they act like they don't owe you anything and it is a ginormous pain in the butt dealing with the government, and that is with one small local bank going under. It's not like “here is your check, we are good guys from the government and follow the rules”
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umm yes it is? The FDIC will literally take over day to day operations immediately over night.
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Thanks again btw.
Once everything gets settled I'll transfer more over but right now I have 60k moved over to Ally -- 30k in savings, 30k in an 18-month CD.
Didn't realize my Chase savings was only 0.01%, absolutely nuts.
Got scared for a moment that I was going to get a big NSF fee. I kinda expected transferring from chase-checking to chase-savings to be instant, but instead had a Pending Transaction race to see which would clear first, the money into savings or the transfer to Ally.
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check out ufbdirect
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I like cash more. Can't trace me
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Wrong, we trace the skin particles from every note and save them in our anti terror database
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Plus you can't snort a line of blow with a rolled up applepay nfc chip.
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you need at least three of them to do this
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most of my income is cash but I don't keep track of it, I just keep some spending money in my wallet and stash the rest
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Most of my income is in cash but I just leave it in my g-string unless I'm going up invest it.
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The Bible has a lot to say about how we should handle our finances. In Matthew 6:19-21, Jesus says, "Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also."
This verse is a good reminder that we shouldn't be hoarding our money, but rather using it to bless others and further God's kingdom. So, while there's nothing wrong with keeping a little cash on hand, we should be careful not to let it become our treasure.
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Post cash bucket
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so you can report me to the cra? nice try
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Are you a stripper?
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Leaf detected
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I call $100 bills "fun coupons" and take several dozen out with me each day
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Literally the safest investment
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I've almost never used cash since high school. Even back then, I used to give it to my mom to send to my bank account.
The only exception is when I'm on vacation in shitholes that still haven't figured out modern technology, like Germany.
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I needed an ATM in jamaica. That was a whole story including the guide walking me through an elementary school
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Need cash to hide income
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If I withdraw cash I mark it down as already spent, so it's effectively free money after that point.
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Someone handed me change the other day and I had no idea what to do with it. You want me to stick a handful of change in my pocket for what reason? To throw at a homeless person when I'm driving home?
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Maybe you should be in biofoids
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spookieturkeymerrynew yearJump in the discussion.
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!biofoids I told you I am ideal to lead our ping group. Vote for carp.
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I will never let a pro-life moid lead my ping group. BRING BACK PENNY
Krayon sexually assaulted his sister.
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A pro-choice moid is a dude whos willing to kill babies just to get a nut. Not the sort of moid anyone should want to associate with
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He's still a moid though. BRING BACK MY BLACK KWEEN PENNY!
Krayon sexually assaulted his sister.
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Don't spend it on gas, neighbor. Credit cards give out extra cash back for gas. Spend it on booze
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Yeah, I don't carry much cash either. Well, tbh I carry about $500 in emergency money that I don't touch. It's come in handy before. But then I replace it so I don't think I see it as free money.
Krayon sexually assaulted his sister.
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Carporigine
story time 
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You're not gonna make it bro
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I feel the other way around, paying with card feels like you're not spending anything, but I almost never pay with card.
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