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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:marseywould: tho

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Do not like.

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

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:marseywould: even though she's :marseyfoidretard:

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

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Maybe you should keep yourself safe

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

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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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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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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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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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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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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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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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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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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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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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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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Foid isn't mayo lol

I've seen "black" people whiter than that

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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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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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Yeah but chocolate and fancy watches tho

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

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Charity is a form of conspicuous consumption.

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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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