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RiKD    United States. Jul 14 2021 02:33. Posts 6892

It's funny yesterday I literally had the idea to get a Visa (I have AMEX and MasterCard) and went online and looked up that the Chase Freedom Card that I denigrate all the time on here is probably the best card out there and way better than the cards that I already have only to quickly realize that filling out an application for a new credit card would only fail miserably and destroy any credit I have left.


RiKD    United States. Jul 14 2021 03:15. Posts 6892


  On July 13 2021 20:20 hiems wrote:
Burn-rate per month is $1,500. That is $18,000/yr. If I make $26,000 that is an extra $8,000"

Lol are you somehow exempt from income taxes.



Firstly, this is an example of my mental capacities not being all there at the moment.

The point is I could make $26,000 in a year really eking it out. File my taxes in January and get a refund of say $2,000 and still have no money to do anything. That $2,000 goes straight to an overdue car maintenance bill or whatever.

Also: There is no way that $26,000 on a W2 would be taxed at ~30%.

ALSO: I just remembered that Jelle said he spent less than $1,500/month living in Tokyo. wat?


Jelle   Belgium. Jul 14 2021 08:36. Posts 3475

No it was about $1500-$1800, not less than $1500. You said you weren't including your car insurance & stuff so I think I was still spending less than you are now. And I wasn't trying to keep costs down or be a minimalist it just turned out that way when I bought everything I needed. I think I could have gone to $1200/month if I was really in an emergency

GroT 

Jelle   Belgium. Jul 14 2021 08:59. Posts 3475


  On July 13 2021 20:17 hiems wrote:
Lol I think this guy missed the 2 year period where ppl made posts like this convincing themselves Rikd is actually not trolling everyone.



I guess I am being pretty retarded pretending I'm the first person to try talking to rikd

He seems so genuine to me though massive props if that is trolling

GroT 

RiKD    United States. Jul 14 2021 15:38. Posts 6892


  On July 14 2021 07:36 Jelle wrote:
No it was about $1500-$1800, not less than $1500. You said you weren't including your car insurance & stuff so I think I was still spending less than you are now. And I wasn't trying to keep costs down or be a minimalist it just turned out that way when I bought everything I needed. I think I could have gone to $1200/month if I was really in an emergency



Can you budget this out for me?

How is rent less than $1,800 in Tokyo?

I could see myself getting cheap fresh ingredients to make my own ramen (proper ramen not out of a package) and eat that for every meal for 5 days or whatever but I would still want to do stuff.

Not being employed burn-rate will typically go up because there are more hours to cover to do stuff.

Also, for me specifically, I have been manic for like 6 months. That kind of defies Bipolar 1 diagnosis but it is what happened. This last run was schizoid as fuck. DSM V has its limitations. I am probably most accurately mentally ill and/or neuro-divergent. So, mania plus car insurance plus car maintenance the number is higher. I think last 4 months of 2020 was below $1,000/month even including holiday gifts.

One of the killers for me would probably be how do I not go out and eat delicious sushi if I am in Tokyo?

I mean I could see myself getting immersed and getting all uwu pirating anime which would pass the time nicely and cost me nothing monetarily.

I could easily pass the time just walking around the city but the moment I stop somewhere for tea or food I may find myself breaking the budget.

I'm just curious to see how you would get a very rough budget down here to even see if there is a chance of it being possible.

I've never been to Tokyo but everyone told me that it is expensive.


RiKD    United States. Jul 14 2021 15:52. Posts 6892


  On July 14 2021 07:59 Jelle wrote:
Show nested quote +



I guess I am being pretty retarded pretending I'm the first person to try talking to rikd

He seems so genuine to me though massive props if that is trolling


Many people have tried to "talk" to me for various reasons. Your claim that you didn't even attempt to live like a monk and spent less than $1,800/month in Tokyo I am suspicious of. The fact that anyone can just roll out of bed and get say 17% out of the stock market in a year is also suspicious. I don't think you ever made the ladder claim. I myself put in quite a bit of work in the past to the point that I think I can pick winners but to pinpoint that to some % per year maybe I could bet on getting close on a range that is higher than 7% in the stock market. Some may say well if I could guarantee that than I wouldn't need a job but it is not that simple and also I am not sure that I could guarantee that especially as the world collapses.

I am not a troll. Of course, a troll would say that but I am just not. Look at my posting history. Sometimes I exaggerate for hyperbole's sake and sometimes I exaggerate because I can't help myself but I don't like to lie or exaggerate ever. It's something I got from Kant and life experience. My grandiosity runs wild especially when I am manic so there is that but everything that I write are my thoughts at the time.


hiems   United States. Jul 14 2021 17:36. Posts 2324

Most of the time you are not looking for a conversation, but rather a response or just interaction and basically just say what you want to say and add random stuff about your creative pursuits or your glory days so you stay sane. So I think troll is pretty accurate.

It's whatever though I'm not as hostile towards you as before because at this point the forum is even deader than before, you are worse mentally than before, and honestly I myself am kind of depressed lately as well.

[img]https://i.imgur.com/wkwWj2d.png[/img] 

hiems   United States. Jul 14 2021 17:44. Posts 2324

Fwiw my job I make 85k before taxes and I still live at home with the parents lol been here for 4 years and in the solid 90% for my age in terms of savings. But the gulf between 90% and 95% or whatever is just so tremendous.

I think something crazy like 25% of households in NJ make over 150k idk the number exactly. I think like 12% make over 250k or something. I think close to 45% make over 120k. My salary I am in the median household income lol which means I'm poor.

I'm not sure what I spend exactly. I cut my hooker habit during covid so I basically spent nothing for a year.

I think the 7/11 dream is misguided. My situation is almost exactly like that sometimes it's wonderful but I'd definitely trade it in for more $$$ and respectability. I'm quite depressed about life.

[img]https://i.imgur.com/wkwWj2d.png[/img]Last edit: 14/07/2021 17:46

hiems   United States. Jul 14 2021 17:55. Posts 2324

Japan is cheaper than the USA.

[img]https://i.imgur.com/wkwWj2d.png[/img] 

Jelle   Belgium. Jul 14 2021 18:00. Posts 3475

I believe you man I don't think you're a troll. Maybe you can return the favor - why would I lie about how much I used to spend? I was living a life of unimaginable privilige compared to 99.9%+ of every human who ever lived. I even had habitual leaks like spending too much on drinks from vending machines, buying food at convenience stores where it's more expensive, paying fees to withdraw money at a convenient wall etc. And I even lived in a popular area to be close to my work and overpriced boxing gym. I could go sooooo much less if I actually tried

I don't think you need to get high returns from the stock market to succeed at all. It's just a discipline game where you build for a while and get to a minimum viable position so you can get your freedom back. I'm not saying work as a security guard until you have a $100k portfolio, you just need to get out of debt and have a small portfolio and then you're already out of emergency land

GroT 

Jelle   Belgium. Jul 14 2021 18:05. Posts 3475


  On July 14 2021 16:44 hiems wrote:
I think like 12% make over 250k or something.



isn't this kind of stat produced by people buying a house in an earlier year and then dumping it in the year of stats recorded?

GroT 

hiems   United States. Jul 14 2021 18:11. Posts 2324

No it's household income so just from regular job whatever that is. New Jersey has the highest household income out of all the states in the US.

*mind you that it's household income so if you have a dual income with the wife that counts. Still, 250k or whatever is a ridiculous number

The following data are the most current income statistics for New Jersey from the US Census Bureau, are in 2019 inflation adjusted dollars and are from the American Community Survey 2019 5-year estimates.

Median Household Income: $82,545.
Average Household Income: $114,691.
Per Capita Income: $42,745.
14.0% of Households in New Jersey are High Income Households that make over $200,000 a year.

[img]https://i.imgur.com/wkwWj2d.png[/img]Last edit: 14/07/2021 18:19

Jelle   Belgium. Jul 14 2021 20:21. Posts 3475

I'm still suspicious of that

For example look at this link
https://www.investopedia.com/terms/h/household_income.asp

It claims:

Understanding Household Income
Household income generally is defined as the total gross income before taxes, received within a 12-month period by all members of a household above a specified age (the Census Bureau specifies age 15 and older).1 It includes—but is not limited to—wage, salary, and self-employment earnings; Social Security, pension, and other retirement income; investment income; welfare payments; and income from other sources.

So that is a really broad definition. A home seems to cost easily $400,000 in new jersey so if you and your busto partner sell one, you are immediately skyrocketed to a top household under that definition if i understand correctly

I'm not actually knowledgable on this I just immediately get suspicious because 200k+ of income from a job is a huge number for like 10%+ of people in an area

Also after googling a bit more it seems new jersey has a very hot housing market and people are speculating there a lot... i don't know dude I'm extremely suspicious now...

GroT 

RiKD    United States. Jul 14 2021 20:52. Posts 6892


  On July 14 2021 16:44 hiems wrote:
Fwiw my job I make 85k before taxes and I still live at home with the parents lol been here for 4 years and in the solid 90% for my age in terms of savings. But the gulf between 90% and 95% or whatever is just so tremendous.

I think something crazy like 25% of households in NJ make over 150k idk the number exactly. I think like 12% make over 250k or something. I think close to 45% make over 120k. My salary I am in the median household income lol which means I'm poor.

I'm not sure what I spend exactly. I cut my hooker habit during covid so I basically spent nothing for a year.

I think the 7/11 dream is misguided. My situation is almost exactly like that sometimes it's wonderful but I'd definitely trade it in for more $$$ and respectability. I'm quite depressed about life.



New Jersey always seemed tough to me in more ways than one. What you describe is exactly the step situation where in NJ let's say someone has $85,000 or even $100,000 and it may not feel that way. Like, when I was in NJ a lot it seemed like there were fucking black BMWs, black Audis, black Porsche Boxters, etc. everywhere but I don't even know if any of those cars are a responsible buy at an income of $85,000/yr pre-taxes. The money and status thing is crazy there versus fucking suburban Ohio or Jackson Hole, Wyoming. Almost 50% making $120k in a household is pretty crazy but you are right. How many are making $600k or $1.2 million? How does someone "stuck" scale up in a sane way? These are not poor people problems but they are still problems as humans are social creatures.

The mill I called on out in NJ was wild. They made shit re-bar and I don't think they were particularly good at it. We lost most of the business there because a Brazilian multi-national offered them a worldwide discount cost per ton deal which there was no way for my company to even begin to offer anything anywhere close to that. After 8 months of bustin' each others balls and getting these guys pizzas from a legit local spot many of the guys were kind of like cold, tough guys up front and at the end they would do anything for me. OK, enough tooting my own horn in a response to hiems I'm just saying the NJ dynamic is very weird to anything I am used to.

I spent a weekend at the Jersey Shore once. I spent all summer in steel mills and I am a very white person. I was very pale going for a run on the beach and then sun burnt and I still remember these pumped up guidos calling me "Pinky." It was kind of de-moralizing but also funny. There was no real way for me to forge a comeback in that situation so I just kept on running but it was like "Welcome to the Jersey Shore."

Have you ever thought of moving hiems?

I think there is a case for this being a "loser" move but personally, I would not want to ever even try scaling up in NJ. Obviously, for me there was maybe nothing more perfect than living in Buenos Aires in 2007, et al. It always seemed like to me that there were a lot of fun Koreans living in Los Angeles. The Korean BBQ is GOOD but honestly I don't like Los Angeles so that would not be an option for me. Today, I seem to like the Southern cities more. Some are getting gentrified too fast and that is not good for the broke people. Midwest is cool too. Chicago is unlivable for me unless I had a serious income or assets. Same for NYC. I do not ever want to live in Boston, Philadelphia, Baltimore, Washington DC. East Coast is pretty lame including NJ until I get North of Boston. I always forget that you hate me and don't respect me but this is just me attempting to have a conversation with you including my 2 cents.


RiKD    United States. Jul 14 2021 21:22. Posts 6892


  On July 14 2021 17:00 Jelle wrote:
I believe you man I don't think you're a troll. Maybe you can return the favor - why would I lie about how much I used to spend? I was living a life of unimaginable privilige compared to 99.9%+ of every human who ever lived. I even had habitual leaks like spending too much on drinks from vending machines, buying food at convenience stores where it's more expensive, paying fees to withdraw money at a convenient wall etc. And I even lived in a popular area to be close to my work and overpriced boxing gym. I could go sooooo much less if I actually tried

I don't think you need to get high returns from the stock market to succeed at all. It's just a discipline game where you build for a while and get to a minimum viable position so you can get your freedom back. I'm not saying work as a security guard until you have a $100k portfolio, you just need to get out of debt and have a small portfolio and then you're already out of emergency land



I don't think you are intentionally lying but budgets are interesting. Most people don't realize how much they spend on stuff (including me). There was a famous thread on 2p2 about living off of x amount of money and a lot of people thought it would be easy then others broke it down and it wouldn't be. It basically boiled down to someone making spaghetti for every meal and going hiking a lot and playing World of Warcraft a lot. Let's say I am walking through a city and I am thirsty. Well, if I am trying to live off of say $1million on 1% return per year from the age of 25 in most cases I actually have to think twice before spending $2+ on a thirst quencher. It really is that absurd.

Well, I mean... People need to get some returns on their money. Inflation + taxes can be 5%. So, people have to figure out how to at least beat 5%. Then, they have to figure out how not to spend 40 and beyond hours a week on an extra 1% , etc etc etc. If a former poker player/gamer says they can beat the market for x% I tend to think it isn't totally true and they are probably exaggerating but if they figured out how to beat poker, and sports betting, and blackjack it's not like the stock market is rocket science. It's actually less bad to have debt if fiat currency is inflating especially if it's an amount on a payment plan with out vig. Everyone should at least do some due diligence on Collapse and Hyperbitcoinization. I think my dad is incredibly lucky to have multiple pensions and 401ks that have probably been at 10+% since the age of 30 but he doesn't really have a clue what he's doing and the past does not always predict future results. I'm not predicting doomsday in 5 years and not a whole lot would matter that much in that scenario anyway besides harm reduction.

My other point is that me as a security guard there was no chance of even getting out of my parents' home into an apartment in a not too gentrified or not too not gentrified part of a city. Where am I finding $100k for a portfolio? That's $2,000 back on my taxes for 50 years and I already said that $2,000 back on my taxes is getting swallowed up immediately just to keep things running. This is when I was more disciplined and cooking up like 10 meals worth of sardegnian soup and eating stale bread and spending all my time in diners with AA friends consuming basically nothing besides maybe an $8 grilled cheese meal and water.


hiems   United States. Jul 14 2021 22:16. Posts 2324


  On July 14 2021 19:21 Jelle wrote:
I'm still suspicious of that

For example look at this link
https://www.investopedia.com/terms/h/household_income.asp

It claims:

Understanding Household Income
Household income generally is defined as the total gross income before taxes, received within a 12-month period by all members of a household above a specified age (the Census Bureau specifies age 15 and older).1 It includes—but is not limited to—wage, salary, and self-employment earnings; Social Security, pension, and other retirement income; investment income; welfare payments; and income from other sources.

So that is a really broad definition. A home seems to cost easily $400,000 in new jersey so if you and your busto partner sell one, you are immediately skyrocketed to a top household under that definition if i understand correctly

I'm not actually knowledgable on this I just immediately get suspicious because 200k+ of income from a job is a huge number for like 10%+ of people in an area

Also after googling a bit more it seems new jersey has a very hot housing market and people are speculating there a lot... i don't know dude I'm extremely suspicious now...



Idk I imagine if it did include capital gains, the frequency of that being so low that despite the $$ u make from the sale of a home is alot, it is infrequent enough that it doesn't so drastically change a locality's "state household income" so much.

I.e making $100k from flipping a home is alot but if 1/100 households in the state have sold their homes in a year then it only will change the "average household income in state" by $1000. Realistically most people don't sell their home often enough.

Furthermore the directionality of homes still are positively correlated with other states with lower mean home prices. So let's say in a year nj homes appreciate, generally same will be the case for homes in Florida. So if a Floridian makes 60k on capital gains so that 1000 difference in state household income gets reduced to 400 if that makes sense

Anyway that is my guess only idk for sure.

[img]https://i.imgur.com/wkwWj2d.png[/img]Last edit: 14/07/2021 22:19

hiems   United States. Jul 14 2021 22:37. Posts 2324


  On July 14 2021 19:52 RiKD wrote:
Show nested quote +



New Jersey always seemed tough to me in more ways than one. What you describe is exactly the step situation where in NJ let's say someone has $85,000 or even $100,000 and it may not feel that way. Like, when I was in NJ a lot it seemed like there were fucking black BMWs, black Audis, black Porsche Boxters, etc. everywhere but I don't even know if any of those cars are a responsible buy at an income of $85,000/yr pre-taxes. The money and status thing is crazy there versus fucking suburban Ohio or Jackson Hole, Wyoming. Almost 50% making $120k in a household is pretty crazy but you are right. How many are making $600k or $1.2 million? How does someone &quot;stuck&quot; scale up in a sane way? These are not poor people problems but they are still problems as humans are social creatures.

The mill I called on out in NJ was wild. They made shit re-bar and I don't think they were particularly good at it. We lost most of the business there because a Brazilian multi-national offered them a worldwide discount cost per ton deal which there was no way for my company to even begin to offer anything anywhere close to that. After 8 months of bustin' each others balls and getting these guys pizzas from a legit local spot many of the guys were kind of like cold, tough guys up front and at the end they would do anything for me. OK, enough tooting my own horn in a response to hiems I'm just saying the NJ dynamic is very weird to anything I am used to.

I spent a weekend at the Jersey Shore once. I spent all summer in steel mills and I am a very white person. I was very pale going for a run on the beach and then sun burnt and I still remember these pumped up guidos calling me &quot;Pinky.&quot; It was kind of de-moralizing but also funny. There was no real way for me to forge a comeback in that situation so I just kept on running but it was like &quot;Welcome to the Jersey Shore.&quot;

Have you ever thought of moving hiems?

I think there is a case for this being a &quot;loser&quot; move but personally, I would not want to ever even try scaling up in NJ. Obviously, for me there was maybe nothing more perfect than living in Buenos Aires in 2007, et al. It always seemed like to me that there were a lot of fun Koreans living in Los Angeles. The Korean BBQ is GOOD but honestly I don't like Los Angeles so that would not be an option for me. Today, I seem to like the Southern cities more. Some are getting gentrified too fast and that is not good for the broke people. Midwest is cool too. Chicago is unlivable for me unless I had a serious income or assets. Same for NYC. I do not ever want to live in Boston, Philadelphia, Baltimore, Washington DC. East Coast is pretty lame including NJ until I get North of Boston. I always forget that you hate me and don't respect me but this is just me attempting to have a conversation with you including my 2 cents.


It's not that 85k or 100k &quot;feels&quot; like not alot of money in nj it's that it just straight up is poor lol if you are living here...at least as a male here you need to be making more than that.

Despite this most ppl will live on their own either because they don't understand money or because they are focused on enjoying life or whatever.

I should have bought a house and rented a few rooms out but unfortunately I didn't lol. Other than the my option is to get a cheap room for rent on craigslist and live there but would rather save the money.

I've thought about moving. At some point I eventually have to move obviously. This weekend I used faceapp for the first time and saw the version of myself as an old man and that shit was depressing lol.

I kind of feel like I'm forced into some sort of "starcraft timing attack" portion of my life right now where I'm doing some teching up, getting upgrades, gathering forces to strike when the timing is right lol.

A fantasy of mine is to eventually switch into working in the Maritime industry for like...Maersk or whatever lol making 60-80k a year and travel the world for cheap. Basically you live rent free while you are on the ship kind of like a free cruise. The advantage to doing this would be that instead of a normal work schedule you get to take anywhere from a month to maybe even 6 months of the year off straight without working so Id be able to live wherever.

[img]https://i.imgur.com/wkwWj2d.png[/img] 

RiKD    United States. Jul 14 2021 23:06. Posts 6892

hmmmm.... yeah.

Hopefully, it does not shake your confidence that I think your post is spot on.

If I were you and had your income and mental health I would just get a dece enough 1 bedroom by an area you would like to hang out in. That would require you to decorate it nice enough so that it is not embarrassing and hopefully feels like a dece domocile. *shrug* Although, it's funny. Everyone talks about getting a dece 1 or 2 bedroom in a good location but no one that I've seen really can quantify how much that is worth to someone's joy.

I'm thinking that if I could have had a 1 bedroom in Wrigleyville (Chicago) that I could have walked anywhere or taken the train/taxi the value would be a lot (not considering the commute which would have been impossible). Now, I don't even think it matters because I am old and do not drink. I would not go to a stranger's place to fuck and I would not bring a stranger to my parents' home either. I'm so old fashioned now it's probably 3 dates before I put out but if my dick was hard my answer would probably be different. I would also fuck with AA women that I know just because those relationships are more open and faster but I still don't go to AA meetings anymore and I am not sure if I ever will.

hiems, if you are playing some game where you are getting your rocks off with good escorts vs. moving out, etc. I am not hating. Everyone has to live authentic lives, blah blah blah and I respect you for living your life how you want. If I had any cash to get a good escort... I know it doesn't make me feel great that she is only having sex with me because I give her money but damn there are some times when masturbation just isn't really going to cut it and a simulation just sounds good. The other night I found some rando JOI that was like crazy good and I was like "damn, that almost made me feel like we almost had sex or at least jerked off to orgasm together..." If there was some setup like in the film H.E.R. I would be very susceptible to that in this current time.


RiKD    United States. Jul 14 2021 23:20. Posts 6892

I should clarify though that I do not thinking paying sex workers for sex is ideal. At least for me it set off a feedback loop dopamine pump in the striatum portion of the brain that was textbook addiction. If the thought of fucking Ella gets the gears going and the routines only increase this dopamine pump which increase the dopamine pump which increase the dopamine pump there is really like no way I am not going to have some fun with Ella. The next part never happened to me with sex workers but even if it was not enjoyable and I am still doing it out of compulsion because my brain desires something more that is when it is really a problem. Obviously, there is the potential for sex trafficking and other abuse which is not fun, etc.


Jelle   Belgium. Jul 15 2021 09:14. Posts 3475

@hiems yeah it doesn't matter to the average much, but I think you can get the wrong impression looking at the top couple % that way. I just don't think the top 10% of people are getting 200k$/year from a job even in new jersey

GroT 

 
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