Message from @Xeno the French FedNigger

Discord ID: 337770609037672449


2017-07-21 01:30:18 UTC  

i haven't even started yet lol maybe my net worth isnt tens of thousands negative

https://cdn.discordapp.com/attachments/274262571367006208/337768216405213184/best_part_about_public_school.PNG

2017-07-21 01:30:34 UTC  

just thousands

2017-07-21 01:31:39 UTC  

all things in due time

2017-07-21 01:31:43 UTC  

rome was not built in a day

2017-07-21 01:32:07 UTC  

my bachelor's degree cost less than 35K total

2017-07-21 01:32:42 UTC  

well considering i have half of the credits i need at the moment im sitting pretty in my first semester

2017-07-21 01:33:25 UTC  

Tfw average American citizen's net worth is -$17k. Feelz good to be positive but damn. Literally immigrants with no job but no debt are better off financially than the average college grad (just by numbers obviously lol).

2017-07-21 01:34:06 UTC  

i mean to be fair most of the plebeians should not be doing that to themselves

2017-07-21 01:34:17 UTC  

but it really sucks for the based merit-earning whites

2017-07-21 01:34:24 UTC  

average shitskin is probably worth 500K in PV of future transfer payments the second he gets legal status

2017-07-21 01:35:48 UTC  
2017-07-21 01:35:54 UTC  

wew

2017-07-21 01:37:05 UTC  

tfw too arrogant to go into a trade

2017-07-21 01:37:11 UTC  

Mostly just trying to give perspective. Realistically, debt is a thing. College costs shekels and so do cars, those are the big factors. For young folks, either one or both are seen as necessities for the workforce.

2017-07-21 01:37:34 UTC  

lmao going deep into debt for a car as a young man

2017-07-21 01:37:53 UTC  

buy used and learn to turn a wrench

2017-07-21 01:38:09 UTC  

muh social status

2017-07-21 01:39:07 UTC  

https://cdn.discordapp.com/attachments/274262571367006208/337770437209751562/download_20170720_213732.jpg

2017-07-21 01:39:24 UTC  

You have to spend money to make money. Nigs spend money to have useless shit

2017-07-21 01:39:29 UTC  

Eh there's that but factoring in repair costs etc there's a point of diminishing return there. Too cheap becomes more expensive in the long run real quick.

2017-07-21 01:39:48 UTC  

^this @Vanguard

2017-07-21 01:40:24 UTC  

obviously, but most people aren't at risk of that, 99% of people are overspending

2017-07-21 01:40:31 UTC  

I agree

2017-07-21 01:40:33 UTC  

hurr i make $15/hour let me lease a BMW 3 Series

2017-07-21 01:40:36 UTC  

savings takes discipline

2017-07-21 01:40:54 UTC  

Leveraging a manageable amount of debt to secure a long term benefit is frankly sensible. Leveraging it for simple goods is nigga tier.

2017-07-21 01:41:18 UTC  

there is a psychosocial aspect of saving too

2017-07-21 01:41:33 UTC  

like i am frugal with the money i have in savings but if i have cash i will burn it rapidly

2017-07-21 01:41:45 UTC  

because i want to look like i dont give a fuc

2017-07-21 01:41:47 UTC  

or somehting

2017-07-21 01:41:56 UTC  

Pay yourself first my dude.

2017-07-21 01:42:12 UTC  

that's why i have my shit on direct deposit

2017-07-21 01:42:17 UTC  

wait wut

2017-07-21 01:42:19 UTC  

thats nigger af

2017-07-21 01:42:26 UTC  

its a vice

2017-07-21 01:42:29 UTC  

I want to look like x so I spend shit

2017-07-21 01:42:34 UTC  

like an ubermensch thing

2017-07-21 01:42:36 UTC  

u know

2017-07-21 01:42:36 UTC  

nigga I don't even renew sirius in my truck

2017-07-21 01:42:39 UTC  

superman complex

2017-07-21 01:42:39 UTC  

its 15 bucks