How can people afford anything?

How do people afford to buy cars worth their whole yearly salary when most of their income is already sucked up by rent, utilities, insurance, food, and other living expenses?

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They go into debt

I wondered the same thing too for so long

I'm making like 60-72k a year doing delivery apps and I am budgeting tightly and can't really afford to do much. I barely have a rent payment, if I did most of my money would go to it

I finally realized all of these people are just going into debt

get a job, neet

>2022
>not debtmaxxing

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most people are just saving the minimum or nothing in retirement and taking out big loans to buy houses. Case in point I accidentally got my neighbors mortgage statement one time. They took out a 400k loan on a $500k apartment. They also just bought a brand new 50k gas guzzling SUV. Looks are not always as they seem

>60-72k
>barely have a rent payment
>can't really afford to do much
What are you blowing your money on? I have a huge rent payment and I'm still able to save at least $500/month at $80k.

You just buy EVERYTHING on credit. If they can go to debt and get the car, in their mind it means that they can afford it.

You'd be amazed how many people live month to month, even the middle class.

I'm trying but I'm a social retard

Not anymore. Poc are denying qualified whites loans are at risk to their job because everyone wants to quit...

I should've mentioned that I am pouring like 60% of my post tax income into crypto... that is why I can't afford much.

I guess what I me

Lol you answered your own question. 500$ a month? Nigga you poor

>debt
This. Eventually we'll have negative interest rates so that people have to go into debt to get any assets whatsoever. Its all part of the plan to destroy ownership and individual agency.

Nigger, saving $500/month on top of investing in gold, silver and crypto while most people live paycheck to paycheck isn't poor.

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I have to agree withPut 15% of your pre tax income into a 401k Sp500 mutual fund. Skip the silver unless you are married. (in case of divorce rape)

Don't live beyond your means

If rent costs more than 1/3 of your gross income then you've made a mistake and you should get out of whatever shithole overpriced city you're currently subsisting in because its not worth it.

If buying a car you pay 20% up front, finance for no more than 4 years, and total transport costs should be no more than 10% of your income.

Also stop sending your money to twitch thots and onlyfans whores.

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Poorfag cope thread again. Listen retards. Not everyone is a failure like you. We are high earning individuals and can pay for it in debit. My parents are also affluent and can buy me a house if needed like they did for my college. I also got a high paying job through parents' network. Life is pay to play and its rigged from the start. But you can keep coping thinking everyone around you is in debt and don't even have $500 in their bank account lmao.

>just invest in the hyperinflated & rigged boomer stock market
You're a fucking retarded boomer stop giving out bad advice. I paid off my student loans early and bought my first car with cash because of my early investments in crypto. I still have $300k in crypto too.

>skip the silver unless you are married
This doesn't even make sense because the silver would most certainly be included in the divorce assets as well.

Why is Any Forums full of niggers who try so hard to call everyone else poor even when it's clearly false?

Imagine being sick enough to think like this. No wonder the west has plummeting birth rates

>silver would be included in the divorce assets

You stupid fuck. You only buy silver/gold with CASH at a coin exchange. Don't ever buy online so that it can be traced. Stack that shit in silence, stash it in a wall, cover your tracks and never tell a female

>60-72k a year doing delivery apps
damn dude. Any tips for someone interested in a side hustle?

I have a job with 75k-80k yearly salary. I dont have enough for everything but I have enough for most things I need or want

Kill yourself retard you didn't say anything about hiding assets from the wife you just implied that silver would be safe, and it's not.
Now go back and refer to my other points regarding why your advice is so fucking awful, dumb boomer.

500$ a month for 1 year is 6k$ a year.
it would take you 100 years to buy a home worth 600k with that.

84 months at 7% is only half a paycheck user

The same way people buy houses: with loans.
>save up down payment
>go to a dealership to get on the spot financing
>???
>loss
Most normans are programmed to get three substantial loans in their formative years
>education
>automobile
>mortgage
These liabilities are enough to keep people in debt for their whole lives, but that’s only the first ceiling. The next is that people with disposable income need to know where to put it. This is why capital management is so lucrative. Anyone who’s played the crypto casino knows how easy it is to lose money and that’s just on a small scale. If you have big money and aren’t some finance nerd then you’d absolutely eat the fee to have your money parked safely.

That's just cash savings and I said that in response to the user who claimed he couldn't save any money on a similar salary to mine.
I generally don't trust the bank and I put more into gold, silver and crypto every month.

>Poorfag cope thread again. Listen retards. Not everyone is a failure like you.
>My parents can buy me a house if needed like they did for my college.
fuck off

Wait, are you fucking arguing with me? Are you one of those "MUH WIFE IS MAH LIFE" boomer white knight cucks that "believes all women"? That tells your wifey ever detail about your investments? You fucking low IQ mongrel. You will never make it. NEVER tell a female about your silver gold stack.

lmao you didn't read a WORD that I wrote. Typical ignorant boomer arguing WITH HIMSELF lololol