When did you realize the entire global economy is reliant on r-slurs being r-slurred with money? :marseydarkfoidretard:

https://twitter.com/JimboPastoral/status/1774142340795359494
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the lot lizards' faces when these dumbfricks show up to the dealership

https://media.giphy.com/media/TsfXRBMUJecow/giphy.webp

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There's a certain IQ threshold for understanding interest. Tards look at the payment and think "I can afford it", they don't even think how long it will take to pay off. Look no further than redditors in a student loan forgiveness thread.

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student loan

arguably the greatest banking grift of all time

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Joe's greatest hits, crime bill be darned.

It's fricken funny to see

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But he said he was going to forgive them if he won in 2020(and the Dems in the midterms in 2022)!

:#soycry:

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Just one more election you stupid proles

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Best thing about student loans is you always have some 18 year old r-slur to apply and then you can promise them you will forgive them and the dumb fricks will always believe you

https://media.giphy.com/media/Q18yWRHG4dx2E/giphy.webp


Read what I wrote above. Now picture in your head that I put a /s at the end. Good job sweaty! :marseygigaretard:

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But I did pay my mortgage this month.

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I have some sympathy towards people with student loans since they set out down that path when they're literal teenagers and don't know anything about anything.

Uni should be unavailable to people who haven't spent at least 3 years working tbh so that they're both old enough to make good choices and have some experience with the working world to decide if they really do wanna study for that literature degree.

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It should be for people who will do well once they enter the school, that's the real problem

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Why would a truck stop prostitute be excited about this lady

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At a dealership a lot lizard is a car salesperson or both

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Not at the dealerships i frequent

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https://media.giphy.com/media/1jkV5ifEE5EENHESRa/giphy.webp

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Kek

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>lot lizard

Isn't that a truck stop prostitute?

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or a car salesman depending on the lot theyre standing in.

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So, a prostitute. :marseysting:

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What I don't understand is where these tards get the money in the first place, it was the same during the shitcoin/nft thing, tons of idiots losing everything on this shit and I can't parse how people dumb enough to invest in jpegs and animal coins had all that money, where the frick did they get it?

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Often from family, which is how they end up being the laughing stock of the family after their little "investor" loses the parents retirement fund

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Laughing stock? I would kick their nuts out them if they asked me for a loan and blew it on monkee pics

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People were buying crypto/nfts on credit cards.

All the people riding around in a car you can't figure out how they afford has an 84 or 96 month payment with little or no down payment. Car dealers will find a lender if it's possible in any way. They don't care what it cost you


Read what I wrote above. Now picture in your head that I put a /s at the end. Good job sweaty! :marseygigaretard:

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People were buying crypto/nfts on credit cards.

Peak r-sluration, these people need to have their brains dissected for study, not that they'll notice the difference.

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It's so weird to know that the person driving in 10x more expensive car than mine is 10x poorer.

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If you walk in to buy a new car and you go to pay for it, they ask you how much you want to pay a month. It's amazing. β€œOh I don't want to pay much a month!” 96 month loan, who cares about interest!


Read what I wrote above. Now picture in your head that I put a /s at the end. Good job sweaty! :marseygigaretard:

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such a relevant and funny show! /h/familyman :awwsweet:

!slots123

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I learnt this lesson from a pretty young age, as it's pretty obvious in America.

Does anyone really have stuff they can't live without? Aside from rent/mortgage and insulin injections, 90% of the shit people buy is junk they think they need to impress others. Our clothes are overpriced plastic, and we buy fast food because we're lazy. We lease new cars two at a time, and put most of our self-worth into our possessions. I think America's homeless also consume at the rate of like 50 average Africans per capita.

Maybe I got an early education because my dad is basically just a douchebag 10-year-old who spends all his time with his friends talking about the dumb shit he's bought or going to buy. But go to the Midwest and eavesdrop on some fat white women talking to one another (:marseysick:): pretty good chance they talk about their purses or SUVs or televisions, in between MAYBE talking about their kids' soccer games.

Excuse me: I'm rambling because I hate white people.


Don't forget to turn off signatures in settings!

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Excuse me: I'm rambling because I hate white people.

lmao if you think poor spending habits are a white people only or even mostly white people thing, you're kinda r-slurred

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The brownification of the US is literally rooted in non-whites spending higher shares on consumer and luxury goods, having higher price tolerance, and zero interest in capital goods. :marseyxd:

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Foid isn't mayo lol

I've seen "black" people whiter than that

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0% of the shit people buy is junk they think they need to impress others

A huge amount of human behaviour in general is just doing shit that you think you need to do to win the approval of others. Even on arrdrama as soon as there's a money thread everyone starts to talk about how wealthy they are compared to the other guy and etc

If you can gain the ability to reflect on that and cut out all the stuff that doesn't actually have any practical value (who gives a shit what the neighbours think etc) then life improves no end.

Most people seem to find that out eventually but it seems to take until they're literally elderly to do so.

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A huge amount of human behaviour in general is just doing shit that you think you need to do to win the approval of others

Yeah look at any rrrrdrama thread where a FEMALE GRIL posts

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!slotsmb5000

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!slotsmb5000

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!slotsmb5000

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:#marseyxesright:

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The averagae goy is so stupid it's unreal

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A real strategic decision is choosing to live in a small country surrounded by overpopulated and hostile nations, while your professional class has a below replacement birthrate, with the contingency plan of doing Custer's Last Stand if shit hits the fan.

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Notice how nearly all jewish billionaires support Israel, but none of them actually live there. Curious.

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No shit, why try to steal money from the most stingy people on earth when you could double your profits with half of the effort by targeting goys instead?

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Yeah but chocolate and fancy watches tho

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In America there are interest payers and interest receivers, you decide what side you want to be on

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Its consoomer core culture, you don't become a high achiever(usually) if you don't want to consoom, highest tier of consoomption comes from showing off to others and its always a virtuous cycle for the economy so its promoted. Keeping the top 1% workers motivated is very important to keep economic edge. The list of cool shit you can own at affordable prices is definitely one of the key things attracting so many of them to America, most of them can live pretty comfy lives in their own countries too.

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Back in the day people would make lots of money and give it away to charity and their kids. I know it's hard to imagine now but I actually have living memory of those people existing at one time.

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Charity too is competing for status in a way. Even if you aren't publicizing it, you do it cause it makes you feel better than those who don't. No one feels virtuous about paying taxes for eg though taxes probably are actually spent more on useful stuff than charity buxx.

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Charity is a form of conspicuous consumption.

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Now it goes to megacorporations and (((banks)))

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>you don't become a high achiever(usually) if you don't want to consoom

This is poostrag mentality, in top circles this kind of r-slurred brand obsessed idiots are shunned for good reason, everybody knows they can't be trusted to not make shit decisions and burn their money away.

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Who buys the million dollar watches, tens of millions of dollar yachts, overpriced football teams, newspapers etc? You can't tell me buying a yacht as opposed to renting one is in any way financially sensible, how many days a year will you spend aboard? I would be surprised if its more than 2 weeks for the billionaires. I hope to someday own a small oceangoing vessel so it makes me :seethejak: even more seeing people who pay so much money just to have the ships float in view of ports all the time.

Upper middle class and they just have different types of r-slurred consoomption practices.

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>Who buys the million dollar watches, tens of millions of dollar yachts, overpriced football teams, newspapers etc?

That's on another level, the 1% of the 1%, the billionaires, I'm talking the working rich.

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You can't tell me buying a yacht as opposed to renting one is in any way financially sensible

It is, if you rent it when you are not using it personally (which is 95% of the time).

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Insulin is a psyop to make people dependent on the government

(I remember there was some commie thread where the anarchists were arguing that communities could make their own insulin lmao)

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This fat can't even imagine people making their insulin

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These people can't even grow a potted plant

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I know this about commies, but the joke is that everyone automatically makes their own insulin except diabetics who are fat

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:marseychonkerfoid:

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If you could steal a culture of one of the proprietary GM bacteria one of the big companies use it probably wouldn't be that hard

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Do you even know how Mitsubishi came to be it's current awful self?

Year 2000, literally 0 down 0 interest guaranteed for anyone.

Now look at all Mitsubishis and realize why they became a black people staple 24 years ago

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Now nissan got the wakandan market, the maxima is synonymous with ghetto trash

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THE CONSEQUENCES OF CIVILIZATION ARE LONG AND AGONIZING. WE SHOULD OF NEVER LEFT OUR CAVE HOMES AND TREETOP homes...

:#marseypipe:

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I've seen a few youtube videos about how the car loan version of 2008 is coming and it seems like it's always :marseysal: but I just don't see how it can't hit eventually. Even shitty cars are crazy expensive now. I make good money and there's no way I'd make $1000/month payments for 7 years on one of those shitboxes.

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Car loans are different because no one expected the underlying assets to appreciate. So yes, there is already way more repos than before and the banks are taking losses, but there isnt billions of dollars based on expecting car values to go up.

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That's kinda worse because it's really easy to wind up underwater on a car loan and then when it's repoed, the bank/dealership can't count on getting the same value when they go to resell it.

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Yeah, they already weren't. Turns out they knew it was a car all along!

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:#marseyspit:

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Go check my other reply, i dont wanna write it out again

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:chad#no:

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Isn't it worse if they don't expect the cars to appreciate? When they repo, they're worth nothing.

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It's better when an asset that you don't expect to appreciate doesn't appreciate, than when an asset you DID expect to appreciate doesn't appreciate.


:#marseyklennycross:

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The mortgage crisis happened because there was an order of magnitude more money tied up on bets the houses would appreciate in value. Literally, for every dollar lent on a mortgage, 10 or more were betting the house would increase in value.

If all that happens is that the banks lose money on the original loan, that is tame, especially since the bank can recuperate a decent amount of those losses after a good repo.

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The mortgage crisis happened because there was an order of magnitude more money tied up on bets the houses would appreciate in value. Literally, for every dollar lent on a mortgage, 10 or more were betting the house would increase in value.

lul, the big short did more to ruin "smart" people's understanding of the financial crisis than ignorance ever did. don't base your understanding on faulty moc docs

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I apologize for simplifying, redditor. Mortgage backed securities can represent more than just a bet on "housing market go up".

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no hahaha what i say is that the fin crisis has not much 2 do with the "tied up bets" lol

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They're definitely worthless when Shaniq'a drives the thing off the tow truck

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but depending on where shaniq'a lives, xhe may be served papers on the deficiency balance (made much larger by reducing the value of the car at auction) and have to deal with wage garnishment pending the results of the judgment

:marseybeanblack#:


May Marsey Ta'aevann rectify our affairs. Marseummarhamna bil Bussy 'azeem. :marseyakbar:https://i.rdrama.net/images/169731781958969.webp

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Yeah except thats already factored into their bad debt estimations. Its beating those estimates but the real reason the housing crash wrecked so much is that there were bets on bets on bets all based on the original bet that houses would appreciate.

Im not a financial expert but I watched The Big Short and my TRowe buddies confirmed that it got the general idea right

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Isn't it more that the banks expect a certain number of defaults?

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the banks might not get all their money back in a repo but they get a larger portion back than trying to "repo" a college degree

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Yeah but there's more value to society doing that :#marseybeheading:

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my car car cost 4k cash.

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No one asked

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shoot you in the head irl if i ever get your addy

https://media.giphy.com/media/7SrHwak3yoO9a/giphy.webp

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Not sure how it would bankrupt any corp. The auto repo market is pretty well established and they can just afford to take hits

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lmao dude that aint how it works, the "hit" they take on cars is around the same, the question is: how many hits can they take

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Like they care just repo the car and sell it to the next bipoc for the same inflated payments

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As small time landlord I often think in mortgage payments when I hear about the stupid shit the renters blow their money on. We have a zoomer couple that is the literal polyamory meme I saw posted here with the died hair, mushroom tattoo and cats. Add to that hundreds of funkos and squish-mellows and constant nintendos.

I mean I am happy they pay the mortgage, but holy shit, why is it so hard to not be a child once you are a "grown-up"?

Get in here LLM!

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I bought a 2000sqft house with everything I could ever need, in the nicest neighborhood in my city, and I only pay 1/3rd of what they pay for 2 cars for my mortgage. Maybe it's cause I've never bought a funko... insane.

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My monthly property taxes for my primary residence is 3x their car payments. :marseypipe:

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If you have enough land and live in california put a vineyard on your property and you can get huge tax breaks :marseywinemom:

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My house is directly on the beach. I don't think I'm getting zoned as a vineyard. I appreciate the pro tip though.

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I appreciate both of you cute twinks for not being rentcels

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I pay $9,300/month in property tax. No mortgage. It's almost worse than a rentcel.

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guide:

>dress up as homeless

>move in to ur own house

>claim it is hobo infested

>dont pay tax

>cali spends 3 years evicting illegal hobo

>in reality the hobo is u

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Heavy is the head my boi pouring one out for land chads everywhere :marseylibations:

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Why do you own a 12 million dollar home then

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Frick taxes, whats your homeowners insurance?

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Don't have it. Not required if you don't have a mortgage.

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