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Poll: Do you live paycheck to paycheck?
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40% of Americans are living paycheck to paycheck
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EndsExpect Offline
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Post: #151
RE: 40% of Americans are living paycheck to paycheck
(01-04-2019 12:56 PM)MrLemon Wrote:  Correct. The US is headed for a toxic merger of right-wing evangelical christians from the bible belt, Mormons, and left wing SJWs. In this future, maybe 10 years from now, boys who express even the smallest heterosexual urge will be jailed or drugged. Most will become gay just out of self-defense. This will merge with the US being a police state...the massive police industry will pick this up and run with it. Just like Prohibition. Many of us will have to leave the country.
Shit, this is happening now.

What the hell are you smoking? The right wing moral majority types are gone. If you want any more evidence of this fact... they voted for Trump by wide margins. Look, these folks have fucking given up. They know they can't win and have retreated to their own personal monasteries. The only group still willing to do battle are the anti-abortion folks and thats because they are literally fighting against evil.

The only people we need to worry are the SJW man haters. They love any form of female sexual hedonism, and hate anything and everything male. These fuckers have all the power. They control the media, hollywood, academia... and have an entire political party fully dedicated to their insanity.

Only a fool thinks these two group will ever work together, and only a bigger fool sees them as equal threats.

(01-04-2019 01:06 PM)MrLemon Wrote:  These videos do a very good job of sticking to the globalist narrative. "We stole your pension fund, but if you complain, we'll call you a snowflake."
Slavers have been using that argument for millennia. The normal way to answer that argument is to stand them up against a brick wall and blow their brains out. Or...do what Roosevelt did in WW2 and ship all the slaver's young sons off to a war in another continent and get them killed off.

You need to brush up on history. Roosevelt didn't send rich boys off to die. He was a rich bastard, fourth generation son of a rich bastard. These programs that everyone thinks are so awesome that he created like Social Security... were political ploys and have been HUGE asset transfers from working poor to the middle class.

Social Security set the retirement age at 65 at a time when the average American lived to 60. For fucks sake in todays terms that would be age 83. The only reason this looks like a good deal today is because we created a healthcare system and technology that allows people to expect to live nearly 20 years longer.
(This post was last modified: 01-04-2019 02:41 PM by EndsExpect.)
01-04-2019 02:39 PM
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Post: #152
RE: 40% of Americans are living paycheck to paycheck
I am fortunate to not be living paycheck to paycheck as I was taught at least a modicum of fiscal responsibility. However, had I known now back when I started working, I'd be a multimillionaire or better I imagine. Working towards that now and don't have regret as it's wasteful to spend mental focus on it. Recognize and move forward/up. I love learning about this stuff as it really pays dividends.

If I had to I could get away with not working for a year or two even with my current expenditures. I spend enough that I could earn well below the average wages for my area (or even the nation) and still not live paycheck to paycheck.

I could buy a nice new car outright, but wouldn't. I'll upgrade soon but it costs me a really low amount per mile. Instead I put money into a business vehicle that I don't even drive or enjoy much, but grows my net worth.

I could live in a nicer place but choose to continue living in a great location as that location affords me a far better lifestyle than a nicer place inland (or buying a place even further inland). I rent my spare bedroom out short term sometimes, sometimes longer term when I know someone who needs a place for a few months or longer. I usually live alone but have visitors/guests. I get to socialize but also enjoy living alone a decent amount of time. It keeps my housing costs WAY down from just being there by myself all the time so I make the trade off. I'm social anyway so it's interesting to meet other people or having people I get along with live with me for a while until they find another place.

I could go out to eat every day of the week, but instead I buy in bulk where I can and cook or prepare food more and more. When I go out it's for happy hour or specials and it's more to hang out with my friends than it is for the food. It's cheaper for me to cook for friends than to go out and buy one nicer meal.

I could have a super nice electric bike, but my basic bike with upgraded teflon lined tires works great and I get exercise and it's far less likely to get damaged/stolen.

I could have a super nice cable package and go to the movies a lot, but instead I can spend some time finding things to watch for free or cheap (netflix, etc...) on my nice sound system where the popcorn costs me next to nothing and the girl is already in my house getting comfortable.

I could have the latest trendy wiz/bang phone, but I buy a phone only once mine slows down so much it's no longer as useful. I buy it cheap and at a solid rate through a discount member store once at least 1 or 2 models newer have come out. I focus on features that affect my quality of life (nice camera, highly expandable storage, etc...) and not the biggest screen nor the latest tech that usually isn't really figured out anyway.

I could have a gym membership at a super high end gym but I might not go often enough to justify it and I have a beach walking distance away. This morning I woke up my buddy on the couch by grinding my own beans (I buy in bulk and everyone loves them) and throwing them in my super cheap but reliable drip-coffee maker. Then I toasted up some bread, slathered some almond butter on it and dropped some spinach, eggs, and 1 slice of bacon on top for us. We went on a quick beach run stopping every so often for pushups and situps. Talked and laughed all the way running by the calm blue ocean as the sun slowly warmed us and the cold/cool morning air. Whole thing likely cost 2-3 dollars total, not each.

I could have a nice high end wiz/bang laptop but I don't need one. The last time I got a "new" laptop it was the one a client gave me with a dying battery which he considered "too slow" but it started as a top of the line laptop when he bought it. I slammed an SSD in it that I traded my buddy for some easy help with his condo while he was traveling, bought a cheap high capacity battery online and I had a fast/reliable laptop for years. Only now am I thinking I might replace it only because it's a bit heavy compared to anything in the last couple generations.

I could buy all high end clothes, shoes, watches, but I look for sales, shop at budget shops that get minor error items from name brands and find stuff that fits me and will last. I mostly have watches for diving so they're not always that stylish but it fits my active/dive desires/personality. For one of my side businesses I bought really nice shirts and take care of them. It results in more impressed clients and higher tips, so they pay for themselves. The shoes they rarely see and tend to get beaten up so I keep those budget and use my nicer dress shoes only when suiting up/for fancy events.

Just a few examples of how spending well within your means can save you money. Especially on recurring costs such as food, rent/mortgage, transportation, etc...

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01-04-2019 02:56 PM
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Post: #153
RE: 40% of Americans are living paycheck to paycheck
(01-04-2019 02:39 PM)EndsExpect Wrote:  You need to brush up on history. Roosevelt didn't send rich boys off to die.

That's your interpretation but it's wrong. I've written about this extensively elsewhere. Ever heard of Joe Kennedy Jr?
01-04-2019 03:09 PM
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Post: #154
RE: 40% of Americans are living paycheck to paycheck
(01-04-2019 02:39 PM)EndsExpect Wrote:  
(01-04-2019 12:56 PM)MrLemon Wrote:  Correct. The US is headed for a toxic merger of right-wing evangelical christians from the bible belt, Mormons, and left wing SJWs. In this future, maybe 10 years from now, boys who express even the smallest heterosexual urge will be jailed or drugged. Most will become gay just out of self-defense. This will merge with the US being a police state...the massive police industry will pick this up and run with it. Just like Prohibition. Many of us will have to leave the country.
Shit, this is happening now.

What the hell are you smoking? The right wing moral majority types are gone. If you want any more evidence of this fact... they voted for Trump by wide margins. Look, these folks have fucking given up. They know they can't win and have retreated to their own personal monasteries. The only group still willing to do battle are the anti-abortion folks and thats because they are literally fighting against evil.

The only people we need to worry are the SJW man haters. They love any form of female sexual hedonism, and hate anything and everything male. These fuckers have all the power. They control the media, hollywood, academia... and have an entire political party fully dedicated to their insanity.

Only a fool thinks these two group will ever work together, and only a bigger fool sees them as equal threats.

Do you read Dalrock at all? He frequently points out the rich feminist tradition within various Christian denominations.

Feminism is more than just women being greedy. It's a fundamental turning away from God, towards personal agrandizement. Pride. Men use feminism to get away with their own sins, just as much as women use it to get away with theirs. Those who work for Satan might appear to be enemies at times, but they always forms coalitions against the good, the pure, and the true.

Or to put it another way: whenever the Left and the Right manage to work together, you know the citizens are getting fucked.

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(This post was last modified: 01-04-2019 04:55 PM by Aurini.)
01-04-2019 04:52 PM
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Post: #155
RE: 40% of Americans are living paycheck to paycheck
(01-04-2019 04:52 PM)Aurini Wrote:  
(01-04-2019 02:39 PM)EndsExpect Wrote:  
(01-04-2019 12:56 PM)MrLemon Wrote:  Correct. The US is headed for a toxic merger of right-wing evangelical christians from the bible belt, Mormons, and left wing SJWs. In this future, maybe 10 years from now, boys who express even the smallest heterosexual urge will be jailed or drugged. Most will become gay just out of self-defense. This will merge with the US being a police state...the massive police industry will pick this up and run with it. Just like Prohibition. Many of us will have to leave the country.
Shit, this is happening now.

What the hell are you smoking? The right wing moral majority types are gone. If you want any more evidence of this fact... they voted for Trump by wide margins. Look, these folks have fucking given up. They know they can't win and have retreated to their own personal monasteries. The only group still willing to do battle are the anti-abortion folks and thats because they are literally fighting against evil.

The only people we need to worry are the SJW man haters. They love any form of female sexual hedonism, and hate anything and everything male. These fuckers have all the power. They control the media, hollywood, academia... and have an entire political party fully dedicated to their insanity.

Only a fool thinks these two group will ever work together, and only a bigger fool sees them as equal threats.

Do you read Dalrock at all? He frequently points out the rich feminist tradition within various Christian denominations.

Feminism is more than just women being greedy. It's a fundamental turning away from God, towards personal agrandizement. Pride. Men use feminism to get away with their own sins, just as much as women use it to get away with theirs. Those who work for Satan might appear to be enemies at times, but they always forms coalitions against the good, the pure, and the true.

Or to put it another way: whenever the Left and the Right manage to work together, you know the citizens are getting fucked.

I damn well hope that God will completely remove this cancer from the Christian denominations.
01-05-2019 12:50 AM
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Post: #156
RE: 40% of Americans are living paycheck to paycheck
Not now, but I was for a few years.
01-05-2019 02:25 AM
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Post: #157
RE: 40% of Americans are living paycheck to paycheck
(01-05-2019 12:50 AM)infowarrior1 Wrote:  I damn well hope that God will completely remove this cancer from the Christian denominations.

Yeah right, and I damn well hope that God will deliver me a case of beer every morning so I can get shit faced drunk and work on writing shit-faced posts on this forum
01-05-2019 02:27 AM
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Post: #158
RE: 40% of Americans are living paycheck to paycheck
A self-proclaimed Christian that supports Israel is an oxymoron.

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01-05-2019 05:39 AM
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Post: #159
RE: 40% of Americans are living paycheck to paycheck
(01-05-2019 05:39 AM)NomadofEU Wrote:  A self-proclaimed Christian that supports Israel is an oxymoron.

The Catholic priests used to get drunk with the Rabbis when "church" was over... same coin, two sides etc. And they keep converting back and forth over the centuries.

The war against Christianity that some guys write about is not against Christianity but against the native tribes of Europe (and pretty much native tribes around the world).

North American tribes: p0wnd. South American tribes: p0wnd. African tribes: pwned. Baltic tribes: pwned. Germanic tribes: pwnd. Australian tribes: owned. Slavic tribes: pwnd!

Welcome to the New World-Bank Order slaves, I mean tribes. Now let's mingle... and don't worry about your history or native culture... Have a tv instead, learn what you're told to learn (get dumb) and live paycheck to paycheck.

For entertainment and educational use only, your m8 Jackin'
(This post was last modified: 01-05-2019 06:41 AM by JackinMelbourne.)
01-05-2019 06:35 AM
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Post: #160
RE: 40% of Americans are living paycheck to paycheck
Save more than you spend. Someone told me that as a kid, and it still rings true. My housing has never been more than 25 percent of my after tax/net income. Fuck living paycheck to paycheck to impress people you don't know.
01-05-2019 07:09 AM
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Post: #161
RE: 40% of Americans are living paycheck to paycheck
(01-05-2019 06:35 AM)JackinMelbourne Wrote:  
(01-05-2019 05:39 AM)NomadofEU Wrote:  A self-proclaimed Christian that supports Israel is an oxymoron.

The Catholic priests used to get drunk with the Rabbis when "church" was over... same coin, two sides etc. And they keep converting back and forth over the centuries.

The war against Christianity that some guys write about is not against Christianity but against the native tribes of Europe (and pretty much native tribes around the world).

North American tribes: p0wnd. South American tribes: p0wnd. African tribes: pwned. Baltic tribes: pwned. Germanic tribes: pwnd. Australian tribes: owned. Slavic tribes: pwnd!

Welcome to the New World-Bank Order slaves, I mean tribes. Now let's mingle... and don't worry about your history or native culture... Have a tv instead, learn what you're told to learn (get dumb) and live paycheck to paycheck.

Related: Tucker Carlson points out that marriage is the bedrock of wealth for a community, and that what happened to the Blacks is now happening to White Middle America.

What you just pointed out - what I frequently pointed out - always gets painted as Hate. Trying to say there's something worthwhile in the actual diversity of humans on the planet, that I don't want us all ground up into a beige slurry, that this isn't just some terrible ideological idea, but rather, an agenda to impoverish and destroy all peoples of all cultures - Hate!

A good video from Black Pilled:





Summation: the leadership of our nations don't consider themselves to be of our blood, our community. At best, they're high-functioning psychopaths. At worst, they consider themselves a separate group of humans. The problem with Western countries (in their eyes) is that they're forced to at least pretend to adhere to a moral code, to be good Christians, to be pro-European values; whereareas dictators in third world hellholes can get away with whatever they want, the citizens in those country might be miserable but the elites live better lives than our elites here.

Why the creeping poverty? Why the push for behaviours which sap our lifeblood? Because it's convenient for the elite to rule over broken, stupid, poor people. Faith, folk, and family are an anathema to them; a cage that prevents them from being the Luciferian gods that they imagine themselves to be.

"What did you just say Aurini? Faith, folk, and family? Sounds Nazi to me."

I am so goddamned sick of this. I have nothing but love in my heart for all the good people of this Earth, and yet pointing out how our future is being mortgaged, the deed handed over to usurious bankers, results in the most idiotic denouncements from the brainwashed masses.

Right now the war is hottest against the European tribes, because we're their greatest threat. One of our values which has developed over the past millennium (I don't claim that the Romans had it) is the desire to see our neighbours live in peace and prosperity. Even when we get it wrong - and Lord knows, we made a lot of mistakes with Colonialism - we nevertheless left our former colonies in a better state than we found them in. We mapped India, eliminated the Muslim slave trade, built infrastructure in Africa, and managed to negotiate peaceful and mutually-prosperous relations with the Asian nations. If we were allowed to achieve our full potential through faith, folk, and family, we would return to the project of building a prosperous and culturally rich world... and this is precisely why we are under attack.

The psychopathic elites hate all of humanity, and once they bring us down they'll bring everyone down.

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(This post was last modified: 01-05-2019 11:35 AM by Aurini.)
01-05-2019 11:33 AM
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Post: #162
RE: 40% of Americans are living paycheck to paycheck
I use a simple spreadsheet for budgeting. List out all your expenses, put your monthly income up top, and you get a number of how much is left over, which can be used to estimate how much can be put into savings.

I adjust it often to fine-tune it to exactly what is spent each month. Always overestimate if you aren't sure of the exact amounts. I'm far from paycheck to paycheck.

   

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01-05-2019 06:26 PM
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Post: #163
RE: 40% of Americans are living paycheck to paycheck
What the do you get for a $216 HOA fee? A handjob? Do you ever get your money's worth on that thing?
01-05-2019 08:34 PM
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Post: #164
RE: 40% of Americans are living paycheck to paycheck
Damn, I'm getting fucked on vehicle insurance, $1100US/year on a car that's not worth $4000.

God damned them all, I was told we'd cruise the seas for American gold, we'd fire no guns-shed no tears, now I'm a broken man on a Halifax pier, the last of Barrett's privateers!
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01-05-2019 09:13 PM
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Post: #165
RE: 40% of Americans are living paycheck to paycheck
Here are some books that really helped me out. My recommendation, gentlemen, is to stop doing what the boomers tell you and start enjoying the decline.

[Image: ?u=https%3A%2F%2Fballadeer.files.wordpre...mp;amp;f=1][Image: ?u=http%3A%2F%2F30daystox.com%2Fwp-conte...mp;amp;f=1]
[Image: ?u=https%3A%2F%2Fimages-na.ssl-images-am...mp;amp;f=1][Image: ?u=http%3A%2F%2Fthe405media.com%2Fwp-con...mp;amp;f=1]
(This post was last modified: 01-05-2019 10:15 PM by Waqqle.)
01-05-2019 09:46 PM
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Post: #166
RE: 40% of Americans are living paycheck to paycheck
(01-05-2019 09:13 PM)scotian Wrote:  Damn, I'm getting fucked on vehicle insurance, $1100US/year on a car that's not worth $4000.

Thing is if you can't make it in USA then you would have a harder time in another western country. Almost everything is cheaper in USA compared to other 1st world places. And USA jobs (especially ones that require degrees) often seem to pay more too.

I was paying $2,640 a year for a car that I only able to sell for $8,000 later. And I got raped on the gasoline costs compared to what I've seen Americans claim to pay.

Especially because my country doesn't do citizenship worldwide taxation (only USA and Albania does that) the easiest thing for me was to emigrate and never look back.
(This post was last modified: 01-05-2019 09:48 PM by BaatumMania.)
01-05-2019 09:47 PM
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Post: #167
RE: 40% of Americans are living paycheck to paycheck
(01-05-2019 08:34 PM)BaatumMania Wrote:  What the do you get for a $216 HOA fee? A handjob? Do you ever get your money's worth on that thing?

- Sewer, Water, Trash
- Cable TV
- Pool
- Clubhouse with 65" TV and kitchen
- Repairs for everything outside the condo
- Snow removal in winter
- Mowing and lawn care

When I owned a house here the sewer+water+trash bill alone was $75 on average, cable costs $75 here also for the package we get. Since the condos are all electric I have no gas bill, and electric heat is not as expensive as you think. Especially since I keep the thermostat low and let the other units in my building give me osmosis heat Laugh Laugh

(01-05-2019 09:13 PM)scotian Wrote:  Damn, I'm getting fucked on vehicle insurance, $1100US/year on a car that's not worth $4000.

Yeah and it's full insurance, comp and collision with a $500 deductible, but then again I drive a really old 2005 Jeep and 2007 truck.

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01-05-2019 10:06 PM
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Post: #168
RE: 40% of Americans are living paycheck to paycheck
(01-05-2019 09:47 PM)BaatumMania Wrote:  Especially because my country doesn't do citizenship worldwide taxation (only USA and Albania does that) the easiest thing for me was to emigrate and never look back.

Just looked this up. Albania apparently does not tax nonresident citizens but North Korea technically does, though not necessarily officially). I do not think that any country is as aggressive or as invasive with it as the US though. Many banks in foreign countries like Switzerland will not even take Americans as customers anymore because the IRS harasses them and their governments too much (the foreign banks in other countries that are not the US).

This has led to more Americans who live abroad renouncing their US citizenship than ever before at any point in the history of the country just so that they can have bank accounts where they actually live (your life is very difficult if you can't open a bank account in the country where you live as it also ties into other things like getting loans, mortgages, etc.) and generally just not have to deal with a government so tyrannical that it extorts them from across the entire globe, regardless of how long it has been since they even lived in the US, charging them what essentially amounts to a mafia protection fee (pay us this amount and we won't extradite you to face prison time and/or turn of your passport suddenly).

The main difference between the US and the other countries that attempt to extort their citizens from across the ocean is that the US government absolutely has the resources and manpower to find out how much you have in terms of finances and assets (nowhere to run), where you have them (nowhere to hide), hunt you down, and sabotage you life in a massive way, if not extradite you, no matter where on Earth you attempt to go to get away from the bastards.

The USA, Eritrea, and North Korea. Who else wants to join this winning team? Taxation of Nonresident Citizens by Country
(This post was last modified: 01-05-2019 10:28 PM by Waqqle.)
01-05-2019 10:08 PM
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Post: #169
RE: 40% of Americans are living paycheck to paycheck
(01-05-2019 09:47 PM)BaatumMania Wrote:  
(01-05-2019 09:13 PM)scotian Wrote:  Damn, I'm getting fucked on vehicle insurance, $1100US/year on a car that's not worth $4000.

Thing is if you can't make it in USA then you would have a harder time in another western country. Almost everything is cheaper in USA compared to other 1st world places. And USA jobs (especially ones that require degrees) often seem to pay more too.

I was paying $2,640 a year for a car that I only able to sell for $8,000 later. And I got raped on the gasoline costs compared to what I've seen Americans claim to pay.

Especially because my country doesn't do citizenship worldwide taxation (only USA and Albania does that) the easiest thing for me was to emigrate and never look back.

Yep, you guys are getting screwed on insurance. Maybe check what the cost is for only third party injury and property insurance, and then just accept the risk on your own vehicle
01-05-2019 10:26 PM
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BaatumMania Offline
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Post: #170
RE: 40% of Americans are living paycheck to paycheck
There was definitely a time when the lifestyle in USA exceeded all others in the world. The Vietnam War movie "Heaven & Earth" with Tommy Lee Jones: his Vietnamese Wife comes to America and thinks the supermarket automatic doors (early 1970s) are magic and she is overwhelmed by his family eating a typical Sunday dinner.

Nowadays USA is behind most of East Asia in terms of infrastructure and nutrition. South East Asia is catching up pretty fast. In the long run the only countries that will be worse than USA for lifestyle will be specific countries in Latin America and Africa.

Anyway my point is the US passport is losing value all the time + never mind the high taxes (some areas of USA have higher taxes than Canada and Scandinavia due to the weirdness behind progressive taxation and varying tax rates between the regional governments).
01-05-2019 10:33 PM
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Post: #171
RE: 40% of Americans are living paycheck to paycheck
(01-05-2019 10:33 PM)BaatumMania Wrote:  There was definitely a time when the lifestyle in USA exceeded all others in the world. The Vietnam War movie "Heaven & Earth" with Tommy Lee Jones: his Vietnamese Wife comes to America and thinks the supermarket automatic doors (early 1970s) are magic and she is overwhelmed by his family eating a typical Sunday dinner.

Nowadays USA is behind most of East Asia in terms of infrastructure and nutrition. South East Asia is catching up pretty fast. In the long run the only countries that will be worse than USA for lifestyle will be specific countries in Latin America and Africa.

Anyway my point is the US passport is losing value all the time + never mind the high taxes (some areas of USA have higher taxes than Canada and Scandinavia due to the weirdness behind progressive taxation and varying tax rates between the regional governments).

Even most of Latin America will most likely be ahead of the US. I was living in Cali, Colombia for 3 months and Mérida, Mexico for 1 month recently - which is to say that I was in 2nd and 3rd tier cities in those countries - and I found virtually everything to be superior in quality and affordability compared to my hometown in the US (and I am from a more affluent suburban area). Maybe Honduras and Venezuela will still be sucking wind in 10 or 20 years but I see the rest of Latin America overtaking the US in terms of quality of life for normal people (not just mafia elites and old money families), infrastructure, educational opportunities, etc. Africa, except for maybe Rwanda, Cabo Verde, Mauritius, Seychelles and maybe a couple of other outliers will likely mostly still be a giant basket case though, especially when the impending civil war in South Africa inevitably spills into the neighboring countries and destabilize the whole southern region. Some countries are going up while others, like the US, are declining.
(This post was last modified: 01-05-2019 11:18 PM by Waqqle.)
01-05-2019 11:12 PM
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Post: #172
RE: 40% of Americans are living paycheck to paycheck
(01-05-2019 11:12 PM)Waqqle Wrote:  
(01-05-2019 10:33 PM)BaatumMania Wrote:  There was definitely a time when the lifestyle in USA exceeded all others in the world. The Vietnam War movie "Heaven & Earth" with Tommy Lee Jones: his Vietnamese Wife comes to America and thinks the supermarket automatic doors (early 1970s) are magic and she is overwhelmed by his family eating a typical Sunday dinner.

Nowadays USA is behind most of East Asia in terms of infrastructure and nutrition. South East Asia is catching up pretty fast. In the long run the only countries that will be worse than USA for lifestyle will be specific countries in Latin America and Africa.

Anyway my point is the US passport is losing value all the time + never mind the high taxes (some areas of USA have higher taxes than Canada and Scandinavia due to the weirdness behind progressive taxation and varying tax rates between the regional governments).

Even most of Latin America will most likely be ahead of the US. I was living in Cali, Colombia for 3 months and Mérida, Mexico for 1 month recently - which is to say that I was in 2nd and 3rd tier cities in those countries - and I found virtually everything to be superior in quality and affordability compared to my hometown in the US (and I am from a more affluent suburban area). Maybe Honduras and Venezuela will still be sucking wind in 10 or 20 years but I see the rest of Latin America overtaking the US in terms of quality of life for normal people (not just mafia elites and old money families), infrastructure, educational opportunities, etc. Africa, except for maybe Rwanda, Cabo Verde, Mauritius, Seychelles and maybe a couple of other outliers will likely mostly still be a giant basket case though, especially when the impending civil war in South Africa inevitably spills into the neighboring countries and destabilize the whole southern region. Some countries are going up while others, like the US, are declining.

I would be very interested in more details if you have the time. Are you basing this on life for a family, or a single guy? I hear a lot about low prices but then, wow, really low salaries too.
01-06-2019 02:25 AM
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Post: #173
RE: 40% of Americans are living paycheck to paycheck
(01-06-2019 02:25 AM)MrLemon Wrote:  I would be very interested in more details if you have the time. Are you basing this on life for a family, or a single guy? I hear a lot about low prices but then, wow, really low salaries too.

I am a single guy but I would way rather raise a family in Colombia or Mexico than anywhere in the US. The cultural difference and friendlier family laws alone are reason enough but I think that the quality of life, infrastructure, and so on are better as well. I know that I would most likely either never be able to afford sending my son (if I had one) to university in the US and, even if I could, I would rather send him to study in a cheaper country like I did. And I would probably never be able to afford a decent house and all the upkeep, taxes, and other crap to keep the government from taking the house without toiling myself into an early grave.

Basically, it is easier to afford all of the things that were once associated with the "American Dream" (home ownership, family vacations once or twice a year, etc.) in Colombia and Mexico and it is also a far friendlier environment for family building culturally and legally.

As for salaries, I think that it would be easier to afford a decent life where you are not sharing a studio apartment with your coworker or something in Colombia or Mexico than it generally is in the US. You will probably have a smaller salary but you only need $1500-2000 per month to live well. On $1700 a month, I never cooked, ate out every meal, lived in a hotel in the city, took taxis everywhere, etc. Just add $200-300 for every dependent you have (including your wife). The price situation is the same in Mexico. Naturally, the smaller the town is, the cheaper it generally is to live there long term. In a small town in either Mexico or Colombia, you can probably buy a house for under $50k USD and raise your family well on a base of $1500-2000 per month for you and your wife and an additional $200-300 for each child. Certainly, people get by on less but I'm saying if you don't want to worry about anything. You can save a lot of money by marrying a girl who cooks.

As a general life rule, it is good to put 10-20% of your money each month into savings for emergencies in case something medical pops up or anything like that and to always have at least 6 months worth of funds saved at all times, again just in case of emergencies. This is another thing I would always be tremendously worried about in the US. I remember as a kid that my parents would not take me or my sisters to the doctor unless we were in agony and about to die because medical care is scary expensive (we were upper middle class, not poor). I think my parents were still paying for my mom's breast cancer stuff a decade after she got better. Maybe they are still paying, I don't know.

I got dental work done in Colombia. I had my teeth cleaned and had 4 or 5 cavities removed and filled. All of that cost $177 USD. I also got new lenses for my glasses (the good lenses with UV blocking) for $88. Both of these things I was able to walk in and get either right then and there or next day. In the US, getting an appointment is a pain and the cost for the same dental work and glasses would have likely been well over $1000 and a couple hundred dollars respectively if I had to guess.

And don't even think about the expense if something happens to your car, your house, etc. It might be only the intercession of almighty God that stays your hand when you put that shotgun barrel under your chin after your wife leaves you and takes the kids because 3 separate expensive emergencies caught you off guard and your financial situation has gotten out of control (bankruptcy = divorce). Latin America is better.

I've only stayed in Colombia and Mexico but I've heard that Nicaragua and Paraguay are great for raising a family as well. if nothing else, your kid is less likely to be taken from you by social services when you refuse to pay for their gender reassignment surgery if you are in Mexico or Nicaragua vs the US or Canada.
(This post was last modified: 01-06-2019 05:09 AM by Waqqle.)
01-06-2019 04:41 AM
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scotian Offline
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Post: #174
RE: 40% of Americans are living paycheck to paycheck
^I would raise a kid in Merida, Mexico without a worry, it’s surprisingly safe, clean and well organized. Cali, Colombia on the other hand I’d be more worried about as it is quite violent there but if you can afford a car then it would be ok living in some of the suburbs which are pretty chill. I wouldn’t want to be making a local wage though but if you can figure out how to make dollars online or establish a profitable local business then both places can be very livable.

God damned them all, I was told we'd cruise the seas for American gold, we'd fire no guns-shed no tears, now I'm a broken man on a Halifax pier, the last of Barrett's privateers!
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01-06-2019 09:23 AM
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RE: 40% of Americans are living paycheck to paycheck
(01-06-2019 09:23 AM)scotian Wrote:  ^I would raise a kid in Merida, Mexico without a worry, it’s surprisingly safe, clean and well organized. Cali, Colombia on the other hand I’d be more worried about as it is quite violent there but if you can afford a car then it would be ok living in some of the suburbs which are pretty chill. I wouldn’t want to be making a local wage though but if you can figure out how to make dollars online or establish a profitable local business then both places can be very livable.

I have a buddy who is dual citizen Mexican. Upper class Mexican. I quizzed him about this because I have a few other friends who are expats. He said it was still very violent and even Mexicans are quite unhappy, so he felt many potential expats were putting too rosy a picture on it. "If you get in legal trouble in the US, well at least you know the ropes. In Mexico, it's all very corrupt."

So I'm cautious, but still interested. It's such a shame Argentina has been such a basket case economically. If there is anyplace I feel is closest geographically and culturally, it's there. Brazil maybe.
01-06-2019 05:32 PM
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