Shoot The Breeze

[32andBelow]

lol man why are you strawmanning me

when did I say anything about minimum wage? minimum wage needs to go up i agree

what I am saying is that, generally, there are ways for the average joe to be more strict/frugal about their budget. do they really need a new phone, do they need a new car, do they need new shoes etc. can these hidden savings be used for other things?

Yah people needs cars phones and shoes. We don’t live in Guatemala. Does bezos need another yacht?

 

[AB19]

lol man why are you strawmanning me

when did I say anything about minimum wage? minimum wage needs to go up i agree

what I am saying is that, generally, there are ways for the average joe to be more strict/frugal about their budget. do they really need a new phone, do they need a new car, do they need new shoes etc. can these hidden savings be used for other things?

I agree with you, but I just think alluding that people just don't put money into a 401k because they aren't frugal is a good argument, but I'm probably just riled up from earlier, sorry if it seemed like I was attacking you

 

[AB19]

Speaking of 401k I just maxed mine so about 30% of my pay lol

 

[grackfields420]

Yah people needs cars phones and shoes. We don’t live in Guatemala. Does bezos need another yacht?

i said new cars new phones and new shoes.

how many are getting new cars when they can be driving a beater, or taking public transportation. how many people are getting an iPhone 12 when they can get an Obama phone for free? how many people are getting yeezys when a pair of reeboks will do the trick?

the people where a financial advisor would look at their budget and say "hey look lol you cant afford this" are doing it anyway. they could be making better financial decisions, that's a fact lol

 

[Homsar]

I had minimum wage jobs that offered a 401k why would you put money in a 401k just because its offered to you, and again 40% of people don't even get offered one, so more than half the country

I have no idea what you’re trying to say here.

 

[AB19]

I have no idea what you’re trying to say here.

The thing about 59% of americans being offered a 401k and only 32% take it is a dumb stat because it assumes the people who don't contribute are in a position to

 

[32andBelow]

i said new cars new phones and new shoes.

how many are getting new cars when they can be driving a beater, or taking public transportation. how many people are getting an iPhone 12 when they can get an Obama phone for free? how many people are getting yeezys when a pair of reeboks will do the trick?

the people where a financial advisor would look at their budget and say "hey look lol you cant afford this" are doing it anyway. they could be making better financial decisions, that's a fact lol

It’s really expensive to drive a beater when your poor. It’s much cheaper for us to drive a brand new Jeep under warranty than for a poor person to drive a beater that breaks every other month

cash flow is everything

 

[Phillyman2633]

Ignore the fact that a minimum wage job can't cover rent ANYWHERE for a 1 bedroom apartment.
I stick by mowing lawns

Yeah and I decided to have 2 roommates on L11 pay in NYC because I would rather dump money into my student loans and max out my TSP than live in a nice big apartment. It's called prioritizing. You can work a minimum wage job and find a way to put $100 a paycheck into a 401k. I did it before I got hired by the FAA and had close to $15k in 3 years.

 

[QuebecN]

The thing about 59% of americans being offered a 401k and only 32% take it is a dumb stat because it assumes the people who don't contribute are in a position to

Or that they even have a fucking clue what a 401k is

 

[AB19]

Yeah and I decided to have 2 roommates on L11 pay in NYC because I would rather dump money into my student loans and max out my TSP than live in a nice big apartment. It's called prioritizing. You can work a minimum wage job and find a way to put $100 a paycheck into a 401k. I did it before I got hired by the FAA and had close to $15k in 3 years.

Yeah because every person can find people to split an apartment, glad you could not everyone can

 

[Phillyman2633]

Yeah because every person can find people to split an apartment, glad you could not everyone can

That's your response? You fuckin for real?

 

[Merle]

Anyone who says that America doesn’t have a cultural savings problem is crazy. BUT that wasn’t even the context of the debate that we brought that quote from

 

[AB19]

That's your response? You fuckin for real?

I mean your response was just as stupid?

 

[Homsar]

The thing about 59% of americans being offered a 401k and only 32% take it is a dumb stat because it assumes the people who don't contribute are in a position to

You’re assuming they don’t with no statistics backing that up. My point is that they factually have a choice to.

 

[grackfields420]

It’s really expensive to drive a beater when your poor. It’s much cheaper for us to drive a brand new Jeep under warranty than for a poor person to drive a beater that breaks every other month

cash flow is everything

yo... lol if you uh really believe that and are saying that unironically then you should be like a luxury car/fashion salesman you would make bank I'm not kidding

 

[QuebecN]

How many of y’all can run a 4.3 40? Eagles have an opening...

 

[AB19]

You’re assuming they don’t with no statistics backing that up. My point is that they factually have a choice to.

Sure they have a choice that they might not be able to make? Is that better

 

[32andBelow]

yo... lol if you uh really believe that and are saying that unironically then you should be like a luxury car/fashion salesman you would make bank I'm not kidding

I mean not really. Imagine if your making 600 bucks a week and your transmission goes out. It’s fucking game over.

 

[Phillyman2633]

I mean your response was just as stupid?

How can someone not find a roommate? I've lived in 5 different places across the country and had Craigslist roommates at all of them. Yes, you can find a way to put $100 a paycheck into savings making minimum wage. I was able to do it paying student loans off. It requires cutting in other places but I had a car on top of that.

 

[QuebecN]

You’re assuming they don’t with no statistics backing that up. My point is that they factually have a choice to.

Do they? My first 3 jobs offered 401k benefits but that wasn’t something that was ever brought up. I didn’t learn that shit for years. 401k’s aren’t advertised like salary/pay is. Sure McDonald’s offers 401k’s to all employees but you really think this is something that’s routine when onboarding a new employee