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

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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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:marseywould: tho

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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 β€’show 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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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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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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:marseywould: even though she's :marseyfoidretard:

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14% apr :marseylaugh:

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

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Do not like.

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

!slots123

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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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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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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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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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Kek

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

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

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

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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

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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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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Why do you own a 12 million dollar home then

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