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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Do not like.

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:marseywould: tho

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SHE LOOKS LIKE ONE OF THOSE PUPPETS FROM MR.RODGER'S neighborhood...

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14% apr :marseylaugh:

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:marseywould: even though she's :marseyfoidretard:

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Hey, I saw that you just joined rdrama and a group of people who hate me are trying to smear my name by calling me a date male feminist. I just wanted to let you know that it's not true. If you want all the receipts proving it they're right here.

The TL;DR is that I hooked up with one of the hot girls on rdrama, and since I was twice her age, a lot of the guys here who wanted to bang her got jealous and assumed that the only way I could have managed that was by raping her, even though she herself said both before and afterwards that it was all completely consensual. So now that you're the new hot girl on rdrama, I guess they think that I'm going to somehow seduce you into flying all the way across the country (or some crazy shit like that) to hook up with me and they're trying to talk shit about me to make sure that doesnt happen. I don't understand it either, but I just wanted to let you know that I'm a nice guy and I hope you'll look at the evidence and make up your own mind instead of listening to all the jealous haters.

Anyway, with that little intro out of the way, welcome to rdrama! The culture's a little rough here and you're probably going to get tons of requests to โ€ขshow boobsU but if you talk to some of the women here first before engaging with all the creepy dudes, they'll give you some good advice to avoid stalkers and predators. Or (If you haven't been scared off by the rumor mill) you're welcome to ask me and I'm happy to help.

Just out of curiosity, how did you find this place?

Snapshots:

https://twitter.com/JimboPastoral/status/1774142340795359494:

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A relative in my family has a net worth of over $100m and drives the same fricking 10 year old subaru he always has ๐Ÿ˜‚.

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Lol, would love to meet the guy. Can you give me his adress?

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You can probably steal the same things from the guy who spends 1/20th on security.

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That's why he has over $100m

Some :marseygigaretard: above thinks you're only successful if you spend to look successful

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House poor is one thing but car poor is just pathetic.

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She would be attractive if she wasn't so overdone. Why is she red? And them teeth are screaming.

Always liked the southern accent in women though. I know some Vietnamese chicks from the south that talk like that, and it's actually very charming.

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I hate that fake teeth fake lips fake skin combo. She terrifies me.

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She would be attractive

Nah

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It's easier to get ahead when the competition is dumb

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Willing to wager a few of the payments on that truck were late - simple interest is hard for some people to figure out. :marseygigaretard:

Yes, let both cars go back so you can be sued for the deficiency balance.

:#marseybaited:


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

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It's tiktok, so :marseybaited: for all ITT.

A lot of debtors don't understand the APR option.

>$0 in interest?! :!marseysoyhype:

>miss one payment or are short at the end of the loan? :marseydead:

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

When my $100,000 Funko Pops collection didn't appreciate in value anywhere near what I was promised.

If anything they've GONE DOWN in value.

But, you know what, maybe if I can just get the complete set, its value will skyrocket.

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Maybe you shouldn't have nutted on them

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Maybe you should keep yourself safe

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But they're worth EVEN LESS without my special sauce.

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It's so crazy to me seeing ppl who never learned how to manage their money. Like what did their parents teach them?

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Tbf its like calories in calories out. Its not actually an ignorance issue its a behvaior issue and the two go hand in hand in amerikkka where we push unhealthy things

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The real question is where that plastic mayo b-word is getting that money from, influencer?

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Outrage bait videos.

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What kind of outrage? she looks like white trash so I'm guessing miga shit

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teach

Mummy and daddy :marseybobpage: will take care of it.

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They'll claim their parents never taught them to be good with money but their parents also didn't teach her to give head and she figured that out pretty quick

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Unfortunately I worked for the finance side of a luxury car brand during the pandemic and I learned that the absolute majority of their leasers couldn't make the first payment when shit popped off and very few of them understood basic finances. Some of them I felt bad for but most of them belong in the circle of heck reserved for spendthrifts :marseycracka: :marseycracka: :marseydevil: :marseyburn:

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All leasers are financially r-slurred.

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But enough about my in-laws

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the only reason america :marseytransavenger: is so wealthy :marseycosmopolitan: is because americans :marseyamericanpearlclutch: literally :marseyme: refuse :marseyprotestno: to not spend 125% of their paycheck every month

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women :marseydarkfoidretard: will make $4 then immediately spend it on a $5 milk tea. :marseyjewoftheorient:

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It was discounted from 7 dollars so she actually made 2 dollars #girlmath

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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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Post pics

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My renty has more money in shoes by the front door than I've spent on clothes in the last 10 years and his car is worth more than I've spent on vehicles in my life.

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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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Based contributor to tax revenue

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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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what do you do


Follower of Christ :marseyandjesus: Tech lover, IT Admin, heckin pupper lover and occasionally troll. I hold back feelings or opinions, right or wrong because I dislike conflict.

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I invented DeFi or something idk.

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More comments

Like literally I get the beach life but it's so much more worth it to live an hour away from the coast on the hills where you can get so much more acreage at that price point. SoCal or Bay Area this'd work well. No homeless people (and BIPOCs), mansion in the pinnacle of modern civilization, and the coast/life is still close enough for a short a half day trip

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Just declare independecy and stop paying taxes

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Just declare independence and stop paying taxes extract taxes from your neighbors

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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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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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Why do you own a 12 million dollar home then

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

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

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

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:chad#no:

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

:#marseypipe:

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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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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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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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These people can't even grow a potted plant

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:marseychonkerfoid:

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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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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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:#marseyxesright:


https://i.rdrama.net/images/17105354613258007.webp :#marseyhomofascist: https://i.rdrama.net/images/17105354613258007.webp

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!slotsmb5000

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!slotsmb5000

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!slotsmb5000

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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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The averagae goy is so stupid it's unreal

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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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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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