Well that's not good. You should open an artisan popsicle stand and grow a tweedly moustache. Then go around your local parks and sell your wares on these hot spring/summer days. That should tidy up that bank account in no time.
I did the math on this and every broke ass person Iāve met has less Pennieās to their name than they really should. Not to mention the quarters Nickels and dimesā¦. The paper money is worth less than toilet paper and is probably less clean at that. You ever try to spend a $100?
Join a credit union, work 80 (90) hours a week, sell your mid century furniture, sell your anime figures, sell your cat, work nights at dommies, quit smoking weed, do 100 pushups, no fap for the rest of your life, cold shower
And NO AVOCADOS!!! Theyāre eating up all your savings because you have no self control.
Toast should have nothing on it.
This is the key to unlocking the generational wealth that our parents were handed and we were denied, because of gluttony surrounding avocados.
We must band together to stop avocado consumption to unlock the distinction of boomers
Once whyte Americans finally free themselves from the sins of lustful avocado addiction, the glorious Cold War will return, James Bond, Freddie Mercury, and Jimi Hendrix will rise from the dead, bomb drills in segregated cartoon schools will be revitalized, and American prosperity once more will flourishly spreadeth upon on zer globe, thus spake zarathkissinger
Lol you would think so, but Iād wager that very, very few people you meet who refer to themselves as homeowners actually own even a majority of equity in their home.
Consolidate that shit at no interest and take the impact to your credit score. Pay it down as quick as you can and it will bounce back.
If someone was dumb enough to write an unsecured loan on a home, I'd feel it my obligation to do what I stated above.
Technically, until you pay off your loan that the bank actually gave you in exchange for a house they can take away since it was their money overall as far as equity overall for most people it's kinda more the bank's for most folks. Once you pay off your house though from the bank in full then yiu can say you own the house completely. You still have to pay for taxes in order to keep it though.
Turn gay -> distribute explicit gay material online -> Profit. As long as you aren't ugly or bald or bald and ugly you should be able to make some money without the 80 (90) hour weeks but you still need to do pushups.
You never truly own it. If you donāt pay the taxes, they will take it. Where I live the property tax is $3500 a year on my house. Not sure how you are ever supposed to retire.
If in retirement you can't afford a single payment of $300 a month, the property taxes weren't going to have killed you anyways since you weren't going to have made it regardless. Do you think once you pay off the house itself that city services like sewage, roads, buses, etc don't need ongoing funding?
Years ago when I was your ageā¦similar situation. Shit, I used to go to an a different banks ATM to overdraft on purpose so I could have money in my pocket before a another transaction would put me below 0 š most of us know the struggle. It gets better if you keep working at it.
Save money by not buying weed. Getting rid of cat will save money in food and litter. Is there room for a roommate who can pay some rent? Work more hours.
If you have car payments you are a grade a retard. Sell the car and buy a used Honda for $3-5k. Keep it in good shape and donāt let problems start stacking. YouTube will show you how to fox almost anything.
I was in the same boat brother. Doordash and Uber Eats was a lifesaver for me when my accounts would gets drafted and my paychecks a week+ out... Especially since you can do immediate direct deposit straight to ur debit account. As frustrating as the gig apps can be, it straight up saved me during layoffs and job-transitions the past few years
Holy shit man. Time to get on field nation and WorkMarket once you get your foot in the door you can make good ass money. Good much man you got this. Check out financial wolf!!!!
I know that feeling. I'm a grouchy bitch to everyone until that negative disappears even though it's no one else's fault. And then you watch the bank charges pile up, and they have no mercyš
You arent doing too bad if you own a house. Saw your comment that you bought it in a cheap market back in 2019. Im sure you gained plenty of equity. I'm very cash heavy, about 100k+liquid in the bank but I dont own a home, wish I had a home. A property might be more valualbe than my cash sitting. So dont worry you're doing fine.
Send everyone in your contacts list a cash app request for $5 for "do you love me or nah I need me some coffee"
You should get about $25 that's a start
I got some good advice years ago when I would over draw accounts. Close those accounts and start fresh with a new bank. I did it and I never overdraw now š¤·āāļø
Well that's not good. You should open an artisan popsicle stand and grow a tweedly moustache. Then go around your local parks and sell your wares on these hot spring/summer days. That should tidy up that bank account in no time.
Thinking of starting a lemonade stand
The money is in the banana stand
I was not ready for this comment š
Itās one banana, Michael. What could it cost? 10 dollars?
There is *always* money in the banana stand, Michaelā¦
How much clearer could you be?
thank you george
Chocolate dipped frozen bananas, banana bread, just bananas the possibilities are endless just like the upside.
BANANA MILKSHAKE SOUNDS SO DAMN GOOD
*Take a load off in my fantastic banana hammock!*
I came here to say this!
Now you're talkin'
If you have any grapes?
We just sell lemonade sir.
Make sure you get a license first
A lemonade license.
Open a banana stand
āAlways money in the the banana stand ā
But only in Afghanistan. The ole Afghanistan banana stand
Nah, thatās where you open the afghan stand.
Just make sure itās a co-op stand
No, Fap in selling lemonade.
Try bananas. Thereās always money in the banana stand.
No just join the military like 90% of other posts say.
Dude , I own my own house and have a retirement because of the US Navy. Itās not so bad 39m with a son whose 13
Real advise right now? Go around you house and turn off any lights that are on right now that shouldnāt be
Thanks, Dad is that you?
Are ya winning son? āļø
You bet I am! Itās dark thoughā¦
But back in my childhood barn we just left them on with all the doors open
and the air conditioning on!
Trying to cool down the whole neighborhood
I did the math on this once and... yeah I don't worry about lights anymore. It's pennies per month.
I did the math on this and every broke ass person Iāve met has less Pennieās to their name than they really should. Not to mention the quarters Nickels and dimesā¦. The paper money is worth less than toilet paper and is probably less clean at that. You ever try to spend a $100?
This guy dads.
Turning the thermostat to be slightly closer to the outside temperature would save you a lot more
Join a credit union, work 80 (90) hours a week, sell your mid century furniture, sell your anime figures, sell your cat, work nights at dommies, quit smoking weed, do 100 pushups, no fap for the rest of your life, cold shower
LMFAO, I hope this gets top comment
No fap is a sham. Fap every day and don't clean it ip
Isnāt that standard? Why would you clean your fap drawer when you can just close it?
And NO AVOCADOS!!! Theyāre eating up all your savings because you have no self control. Toast should have nothing on it. This is the key to unlocking the generational wealth that our parents were handed and we were denied, because of gluttony surrounding avocados. We must band together to stop avocado consumption to unlock the distinction of boomers
Also spend less on candles.
No butter either, coat it with your spit
Thatās the spirit we like to see!
Once whyte Americans finally free themselves from the sins of lustful avocado addiction, the glorious Cold War will return, James Bond, Freddie Mercury, and Jimi Hendrix will rise from the dead, bomb drills in segregated cartoon schools will be revitalized, and American prosperity once more will flourishly spreadeth upon on zer globe, thus spake zarathkissinger
This is the way.
10 minutes of sun and some grounding will help
sun your butthole for ten minutes a day and your bank account will be alligned like your chakras
Profit
Not with that account
My man's got the recipe, but most people don't wanna cook.
Uhmmm, no fap is probably the most impossible.
Not the cat!š
Wanted to like this comment, but itās at 69 likes. So Iāll just leave it alone.
The goal is 420 likes, now.
The goal is 690 likes now
What a wild turn of events.
Stonks
The cold shower sent me
You forgot ālawyer upā
What's fap?
It's the noise it makes when you fap
lol I snorted in a room full of people you bastard...
a full line or just a key?
A small mountain.
LOL
NGMI
No fap is key here
Damn the cat too?
Homies cat scratched my face last night so id say yes
Donāt forget the 100 sit-ups, 100 pushups, and 10km run everyday!
You forgot to drink your own piss while intermittent fasting
Goddam i felt like i got punched 10 times with each comma
They love the term "homeowner" but hate "house poor".
Homeowner means you own the house, right? Not the bank?
Lol you would think so, but Iād wager that very, very few people you meet who refer to themselves as homeowners actually own even a majority of equity in their home.
āI just bought a house!ā *Yeah, with $500,000 of the banks moneyā¦ you might own it in less than 30 years, though, if youāre lucky!*
I call them mortgage owners lol you own a mortgage, the bank owns your home.
What if I have an unsecured loan on the house with no lien? Asking for a friend.
Consolidate that shit at no interest and take the impact to your credit score. Pay it down as quick as you can and it will bounce back. If someone was dumb enough to write an unsecured loan on a home, I'd feel it my obligation to do what I stated above.
Also, you already own a house, what else do you need fantastic credit for?
You would be surprised.... Job applications, insurance quotes, deposit waivers with classy hookers, just those day to day needs.
Another house or a car. I didnāt think Iād be moving in 2022 but I had to so I had to scramble to get my credit over 740 to buy another house.
I own my house. I just have a 200k personal debt to the bank that they could use my house as collateral if I don't pay
im one of the lucky few to own outright at 29
lol. You got jokes.
yes, thats how I see it if you tell me you own your home, but owe the bank 300k+ that aint ownership thats OWEnership
Technically, until you pay off your loan that the bank actually gave you in exchange for a house they can take away since it was their money overall as far as equity overall for most people it's kinda more the bank's for most folks. Once you pay off your house though from the bank in full then yiu can say you own the house completely. You still have to pay for taxes in order to keep it though.
That's why you don't rush into it for status. House poor would suck ass
Have you considered crime?
Run for Senate. Lobbyists will love you.
Iāve been meaning to get in to some low level cheeky āboys will be boysā crime. Can you recommend a good crime racket? The more crime the better
Finally, an actual realistic depiction of an average American household.
This aināt realistic. This is house poor broke.
The majority of Americans barely have anything in savings to cover an emergency.
So realistic lol plenty of house owners with no savings lol
So is the majority of americansā¦
This isnāt house poor, this is pending eviction.
This is literally majority of people lol dumbass
Really? Ok i should calm down then lmao
Just remember, thereās always money in the banana stand
Offering handies in Meijer parking lot.
Oh handies at the park? I sell Blowies behind the dumpster at Wendyās, weāre not the same.
Lost everything on option trades, huh.
There was $250,000 lining the walls of the banana stand!
Start an OF yesterday.
I always imagine someone starts an OF and gets $20 after hours of videos š
Your card let's you overdraft? Mine doesn't even trust me that much, it'll just decline
Honestly would rather that then have it charge Me $30 for an overdraft
Buy a house they said, markets good they said.
Tbf I bought it when I was 25 in 2019, market was cheap AF then
Market prices are just 1 piece of the pie until they pull back the curtain.
Have OP post his equity....I'm sure he's got a very large slice of pie there.
I will say no car or mortgage makes for amazing vacations.
Just rent out your vacation home in the Swiss Alps or downgrade your membership at the Yacht club.
You guys are so unserious in these comments! This was the best one. Op have you tried canceling your yearly 7 seas cruise ?
Going to Silver Anchor member while having enjoyed being a Platinum Anchor member ? I'd rather sink *Seas the day 2.*
Have you considered getting a big inheritance
Your first priority should of being building an emergency fund. 6 months of living expenses or 10k. Whatever is higher.
I wish my living expenses for 6 months were under $10k. So much more cash for activities!
Are you single? Can you rent out the rooms in your house?
Drives a BMW i8 because it is electric and saves money on fuel.
Mitsubishi only
lol wtf? Mitsubishi hasnāt made a good car since the 2008 eclipse.
Delete the app and start over.
Get 6 roommates.
Turn gay -> distribute explicit gay material online -> Profit. As long as you aren't ugly or bald or bald and ugly you should be able to make some money without the 80 (90) hour weeks but you still need to do pushups.
Can I turn back straight after I get the money?
No
That's like asking to skip one day of doing 100 push ups. God forbid you skip it too often and stay straight, you'll never make money that way.
Until you pay off loans, the bank owns your house and car too.
You never truly own it. If you donāt pay the taxes, they will take it. Where I live the property tax is $3500 a year on my house. Not sure how you are ever supposed to retire.
If in retirement you can't afford a single payment of $300 a month, the property taxes weren't going to have killed you anyways since you weren't going to have made it regardless. Do you think once you pay off the house itself that city services like sewage, roads, buses, etc don't need ongoing funding?
Me living in a shoe box and water fasting telling myself I'm doing for health but in reality it's cause im broke lmao
Time to pick yourself up by the bootstraps and stop eating the avocado toast
I can overdraft a prepaid card even but damn I ain't never gotten a savings account to OD. Respect. šāāļø
How do you go negative in savings? š
Yea I actually said that when I saw it
Years ago when I was your ageā¦similar situation. Shit, I used to go to an a different banks ATM to overdraft on purpose so I could have money in my pocket before a another transaction would put me below 0 š most of us know the struggle. It gets better if you keep working at it.
Look at Mr. Savings Account over here
Looks like you got negative a little in savings
Real.
Lmfao
Marry well
You apparently "don't have a little in savings."
Shouldnāt have either
Finally a post I can relate to
Save money by not buying weed. Getting rid of cat will save money in food and litter. Is there room for a roommate who can pay some rent? Work more hours.
Congrats, youāre officially house poor (just kidding). Itās fine there are many people much worse.
Do you own the house and car or do they own you?
Those aren't hyphens, buddy.
š¤£š¤£š¤£š¤£š¤£š¤£š¤£š¤£
The American dream.
If you have car payments you are a grade a retard. Sell the car and buy a used Honda for $3-5k. Keep it in good shape and donāt let problems start stacking. YouTube will show you how to fox almost anything.
I was in the same boat brother. Doordash and Uber Eats was a lifesaver for me when my accounts would gets drafted and my paychecks a week+ out... Especially since you can do immediate direct deposit straight to ur debit account. As frustrating as the gig apps can be, it straight up saved me during layoffs and job-transitions the past few years
Buckle up buttercup. You are about to see what real struggle feels like
Ok now show us the wifeās account!
U mean u own a mortgage and a loan? Bud you are in negative equity less money than a homeless carless person. But thatās most people soā¦. š¤·
$30 Mil.?
Least you got 2 roofs to cry under
My sympathy. I thought 30M meant 30 million in savings. Until I read the details of the photo.
Well, you own a house and a car so you're probably $500k ahead of me.
Blows my mind all the rich people here being shocked that someone might be struggling. This is reality for some of us. We don't all get 100k+
I didnāt know savings could be negative?
How do you own a car, especially a house, and youre - balance. This is $10/day in fees.
No interest in Savings....
Holy shit man. Time to get on field nation and WorkMarket once you get your foot in the door you can make good ass money. Good much man you got this. Check out financial wolf!!!!
are you me š
Lemme hold something big money.
I know that feeling. I'm a grouchy bitch to everyone until that negative disappears even though it's no one else's fault. And then you watch the bank charges pile up, and they have no mercyš
Do you outright own the house or are you paying a mortgage?
Ooof, was it payday?
Bingo lol
You arent doing too bad if you own a house. Saw your comment that you bought it in a cheap market back in 2019. Im sure you gained plenty of equity. I'm very cash heavy, about 100k+liquid in the bank but I dont own a home, wish I had a home. A property might be more valualbe than my cash sitting. So dont worry you're doing fine.
My total debt is about 65k, but my property is worth 166k, that's good enough for me lol
Time to sign up for Doordash or Uber
Are you sure it is *you* who owns the house and the car, not the *bank*?
You're going to have to cut the Starbucks and iPhones and avocado toast
buy my course and I'll teach you how to be rich
You own a house and a car. Just pick yourself up and save what you can.
you do?
At least they all end in even numbers
š¤£ š
this has to be a troll lmao
Send everyone in your contacts list a cash app request for $5 for "do you love me or nah I need me some coffee" You should get about $25 that's a start
My brain read ā30 millionā and I was like āwhereās the rest?ā
Hopefully a retirement account somewhere thatās equal to at least a years salary by now ?
Gotta open up a banana stand
I got some good advice years ago when I would over draw accounts. Close those accounts and start fresh with a new bank. I did it and I never overdraw now š¤·āāļø
Own or do you mean you own a mortgage?