Financial Planners are all scam artists - the key to personal finance is simple
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Poast new message in this thread
Date: May 5th, 2024 9:23 PM Author: stirring swollen garrison
Step one: Don't ever borrow money or spend more than you make.
Step two: Never stop working and earning money.
If you follow step one and step two you will be fine forever. End of story.
(http://www.autoadmit.com/thread.php?thread_id=5525526&forum_id=2...id#47638539) |
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Date: May 5th, 2024 9:30 PM Author: stirring swollen garrison
It is this simple. The things that complicate someone's financial life are all too predictable:
1. I want a car I can't afford;
2. I want a house I can't afford;
3. I want a lifestyle I can't afford;
4. I want to retire; etc.
Just stop. The worst idea is the one of retirement. The concept that as society we should have people driving around doing nothing and just consuming is pure poison. Many have bought into it though. "I want to retire one day" they murmur. Well let me tell you what. If you want to retire one day and travel and just spend money then fine. Go do it today. Because you can. What's stopping you? Maybe you'll get tired of it or run out of money and go back to work. But if you wait until you're old to start doing that you're going to find out that it fucking sucks and you wasted all your years planning on a retirement that never comes.
(http://www.autoadmit.com/thread.php?thread_id=5525526&forum_id=2...id#47638552)
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Date: May 6th, 2024 11:19 AM Author: stirring swollen garrison
The idea that you can make a lot of money on a house is a false one.
Nobody accounts for the actual costs of the transaction which are hidden from the purchase and sales price.
Nobody honestly accounts for the cost of maintenance and living in the home over time.
Nobody accounts for inflation and how that eats away any nominal return.
Nobody accounts for absurd costs like interest and insurance over time.
Homes will probably lose most people money. They key would be to find the smallest, cheapest possible housing that you can and live there for a small rent. Possibly buy and hold for a very long time, but it's all about reducing the size of your footprint and never using more than you need. That's going to save you money longterm. Nobody really makes money on houses. That's just a fact.
(http://www.autoadmit.com/thread.php?thread_id=5525526&forum_id=2...id#47639191) |
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Date: May 6th, 2024 2:29 PM Author: stirring swollen garrison
I cannot endorse this step. Whatnot is full of scams and purchasing anything, whether in person, online, or off of an auctioneering app, is going to leave you empty and unfulfilled. It's better to think out and plan your purchases of additional assets, whether they are securities, tangible property, education, paying down debt, etc., and then follow through with your plan.
I'll repeat: DO NOT GO ON WHATNOT
(http://www.autoadmit.com/thread.php?thread_id=5525526&forum_id=2...id#47639655) |
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