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I hear stories about marriages being devastated and a huge amount of stress over loans they can't pay back. I can save up $15k pretty quick and I don't even earn that much, my cost of living is average. Who are these losers? $15k was a lot in the 70s.
whether or not it is a lot has to do with income to debt ratio. One could be making 6 figures but if all their money is tied up trying to repay debt, then yes it is a lot.
And with any amount of money, as an old friend said, "It's a lot if you do not have it".
That amount of money $15,000 needs to be relevant on what you mean a lot. Is it earnings in a week or month? Is it for buying a car? Please specify what the money is measuring.
Yes 15,000 is a lot to me. I usually buy used cars for around 2,500 - 3,000 out here. For 15,000 I could invest more in bitcoin
15k for what? A vacation? A watch? Yeah thats a lot. Annual income? You are poverty af then.
$15k may be a lot in places where salaries and cost of living are extremely low.
is it a lot of savins? nope
is it a lot to spend on frivolous bullshit? yeah
Last time I spent that much on a car I regretted it instantly. Now I refuse to go cheap, or Korean.
Last year I bought an 06 honda civic for 1800. 120 thousand miles on it and it works just fine. I got it cheap because it had a weird smell to it and the AC was broken. But I don't need AC much where I go to school and I can't smell well so it worked out pretty well hahaha. What happened to your last cheap ass car?
Hondas aren’t bad. My AC doesn’t work cause I need to get it fixed and to lazy to see a garage. Ugh regretting it. Haha well thats a plus for you.
I got a 04 forenza years ago thinking it was Japanese but it was actually from GM Daewoo which is a corp in Korea they made shitty cars like the verona and reno too I think. Headgaskets blew like crazy. I swear everyday something broke on that ugly pile of shit. Tranny and engine leaked fluid BAD out of nowhere and everything in my cooling system went within a fucking year. Constant problems. Plus no dipstick for the tranny. I could type a book on that shitzuki. Now I have a 05 wrx I love. Always been a subaru fan and so glad I found a great car.
Lol that sounds like a nightmare. I don't know much about what brands are good and shit because I've only had this one car. Maybe I should try a Subaru. Is there plenty of head room? In my civic I have to have the sunroof open(just the panel that blocks sun not the whole thing) just so I can sit up in the driver seat. I'm 6'4" and this has been a reoccurring issue for me in cars.
I bought a used Toyota Corolla for $3000 about 15 years ago, mileage is about 140,000 and still runs great.
Or a new Mitsubishi Mirage, but let's be real... I'd rather set fire to 15 grand and watch them burn, than buy that dreadful pile of misery XD
Check out DougDemuro. He made a video of it and it's hilarious. The European model is even more basic and cheaper.
They’re that cheap new? Well I guess Forenzas were around that cheap new too. Forgot how cheap some new ones are but those tend to be shitty cars. I can get a used 05 sti for 15k that would be much more worth it. Alright I’ll check it out.
Hell, that Mitsubishi still had an automatic, climate control and electric windows... cheapest car you can buy in Europe is the Dacia Sandero... It costs only 6990 Euros.
And for that you get no radio, no A/C, manual windows, manual mirrors, manual seats, some kind of engine, manual gearbox and I think no steering lock... It will proudly do 0-60 in 15 seconds.
We have some of these as taxis in Bulgaria. A horse rides better and feels nicer, cause the plastics in this are terrible. If you buy a USB stick, the plastic casing it came in feels nicer, than the Dacia. And that's a quick glimpse of the Dacia Sandero! The cheapest European car. (possibly cheapest Western world car)
Take a look at this short Dacia quality control clip of youtube...
https://www.youtube.com/watch?v=vdYTHvfwVnc
Oh yeah, right places and right time! Sounds like YOUR version of success is closer to Disney's. Why bother hustle, worry, and spend sleepless nights trying to do something with your life since that's all it takes?! A freaking lottery! Bunch of collective responsibility, stay-on-ass, welfare type of Democratic platform bullshit! If everyone thought like you, bitching about how unfair life was, didn't take risks trying new things, believing in moneymaking, having and pursuing long-term goals, getting back on the horse, we'd still be a bum of a country. Fucking left wing whiners.
There's luck in great wealth. But there isn't much luck in decent accumulated lifetime wealth. All there's to the latter is work and fiscal responsibility through life.
Also, this bitch outright said she didn't care about making money. And so she didn't pursue the stuff where the money is at. So it's only natural she doesn't make that much. Not everyone in life is that motivated to grind like a horse and make lots of money. I am thanks to whores, but many people aren't. And your "mommy" rhetoric is part of the problem demoralizing people.
https://youtu.be/tv8VbCCZhDM
Yes, you did. You've been stalking me for a while, so I know you're interested in what I have to say. And anyway, that comment can be useful to anyone reading it, not just you.
You seem like you edited your comment a little. But anyway, that kind of randomness of circumstance and "big deal o' luck" can only account for great wealth: your product unexpectedly gets really popular and sells like crack, you make it as an actor or hot-shot entertainer, your investments wildly appreciate in value for some outside factors. But even in all those instances I mentioned, you can only get there through the hard work and discipline of bringing that product to life in the first place, of trying your luck over and over as an actor, athlete or comedian, and of building a good enough network of business people, brokers, and sellers through months or years to know where and when to put in the money, and in addition to taking some risk with that money.
That's for great wealth/success. For decent, lifetime, accumulated (upper-)middle type of lifestyle, pretty much all you need is a willingness to put in the work + fiscal responsibility. Get good at a skill or trade, monetize it in the form of a job or a business, and pile up the modest-but-steady paychecks throughout the years. Save $15K a year, and in seven years, you'll have saved well over $100K, enough to get a decent mortgage loan for a nice suburban house in plenty of places around the country.
Again, that's not rocket science, climbing the Himalaya, or difficult code to crack: just have a marketable skill(s), get steady paychecks out of it, have some discipline (e.g. don't have kids before owning a home or marrying a man who does), save at least $15K a year from the income, and you'll have bought a home before your twenties are over.
By the way if you're female and not fat as a whale, you also have the option of your pussy and sex appeal as a marketable skill, so you have even less reason to bitch. So stfu and get to work.
You're enabling laziness, recklessness, and uselessness in life with this type of "compassionate" "understanding", poor-you talk! People are already naturally lazy and unproductive. This talk doesn't set the right incentives in society.
$15,000
No huge deal. I could write a check and cover it.
That said, yea I'd feel it.
But its an issue if you owe that amount, make minimum wage, and never learned how to budget.
For that person, $15 is a hole Theyll never dig out of.
People just like to complain so that society - meaning you, and other financially responsible people - bails them out and gives them free stuff. One of our two political parties (I won't say which one) is entirely based on this premise.
So no, of course not. Most people, even with modest salaries, can easily save up to 15-$20K a year to gradually pay down the mortgage and whatnot with just enough thrift and discipline in life.
Modest? Maybe if you're an engineer.
My job requires at least 3 years of semi-specialist university study and pays between $15-20k per year. Once you take out about 5.5k for rent, 1.5k for food, 3.5k for bills and insurance (modest estimate) and 3k for other expenditure (travel, hobbies, birthday presents, social life, emergencies), there's not a whole lot left.
You went three years through college for a job that pays $15-20K a year?! Average salary in the US is 55K. What's the point of college if you're gonna get paid significantly lower than average? Sorry, but your case is not the norm. And you sound like you made some unwise decisions along the road. By the way, I was thinking more $35K when I said "modest".
$35k is way below the poverty line where I live... people live in tents on that salary.
$15-20k is minimum wage... he could have worked at McDonald's for those three years and been supervisor by now.
Except, who wants to spend their life working at McDonald's?
I don't care that my salary is low. It's only an entry-level salary anyway. The job perks once I'm qualified will be so, so worth it. Holidays. Flexible hours. A staggering number of my colleagues are about to take maternity leave because of the level of support.
Already I have colleagues and ex-colleagues I admire, pupils who love me, lots of knowledge I've acquired from having to teach it, battles won, challenges achieved, chances to incorporate my special interests and talents into my work.
Tell me you don't get that at McDonald's.
Whoa sounds like someone needs to to back to college and learn some common sense.
Don't you know that people work for reasons other than to get rich? And that university tuition fees and 'degree inflation' vary wildly between countries? There are some countries in Europe where going to university is still completely free. And weren't you aware that salary expectations differ wildly between countries? As do taxation rates and social contributions? I gave you my net income. About a fifth of our gross income never hits our bank account. And that's before taxes.
Well, if money isn't your ultimate goal, then none of this is really a problem to you. And this just confirms my assertion that your case is among the exceptions rather than the norm. Most people work to pile on that cash first and foremost, especially men. And so they'll gravitate to whatever pays most. So unless there's some good chance for pay increase in the near future, they wouldn't take that kind of route.
Good luck with the tax rates in socialist Europe, paying for useless college degrees, welfare bums and whatnot. That's why I couldn't live there.