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December 6th, 2014 | #1 |
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Financially speaking, how would you live your early adulthood again?
One of the most important questions you face, what will you living situation be?
If I had the chance to do it differently in my early adulthood, I would. No major regrets - I would just have been a lot smarter. They generally don't teach this in the ZOG indoctrination centers or diploma mills and I did not always get more specific advice outside of the desirability of owning over renting. Here's a ranking system which is roughly most least desirable to most desirable which allows the best hedge against risk and allows for the greatest potential for accumulation of wealth. It's by no means perfect. For example, I rank owning a home higher than living with relatives. However, if you live an area affected by a real estate bubble about to burst, it would make far more sense to live with relatives - or even rent - than it would be to own:
I never had relatives nearby who offered to rent where it would have been convenient for all parties. Ideally, if that were the case, I would have jumped from: (1) living with relatives, (2) own and rent out, to (3) own free and clear and rent out. What is your experience?
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December 6th, 2014 | #2 |
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When you are young, you can be unrealistically optimistic. You can think, we'll, I will get my dream job and not have to worry about finances again. That is totally unrealistic because that dream job almost never happens.
Even if you work up to a level where you are doing better than you thought you would do, you still need to treat it as a temporary situation where the rug can be pulled out from you at any time. Also, once you get to the next level, you need to constantly look to improve your situation otherwise you are incurring opportunity costs of not taking action. If I stay in this dead-end job for another 10-years, I can accumulate a decent pension and retire. Yet if I sharpen my skills and experience in XYZ area, I can earn three times as much and finish with a significantly larger retirement. That's why properly planning your living arrangement early is so important: It makes the high points of your life seem much better and significantly reduces the stress and uncertainty of the low points.
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December 6th, 2014 | #3 |
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'Home ownership' means owning a debt (mortgage) and leasing the land under the house from the government (property taxes). It's a scam.
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December 6th, 2014 | #4 |
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The ranking system seems pretty self-evident. Why anyone rents expensive (relative to their income) alone is beyond me. You are just pissing money away. No question that is the worst option. I've known people whose income is in the 60's renting alone for $1400 a month plus utilities, cable, etc. Throw in a car payment, saving for retirement, groceries and the miscellaneous expenses, and you have very little at the end of the month.
Renting cheaply alone is almost as bad - you are probably paying more than your peers who are renting expensively with a roommate - except your neighbors are niggers, Mexicans or dots. They enjoy their tranquility. You get force fed rap "music" noise, and the smell or burning cannibals or curry which gets into your carpets, furniture and clothes - not to mention the risk of being a crime victim. Renting cheaply with a roommate in a not-too-bad area is better than renting expensively with a roommate. Living with relatives is not a bad thing if all are on board and the comfort level is there. The best option would be paying all your expenses, doing work around the house and contributing to utilities, Internet, phone, etc. Ideally, this would be much cheaper than renting anywhere and your relatives would make out better than you not being there. Owning is okay but owning with renter(s) is so much better. Even if you are married and/or have children, do you have a spare bedroom and bath? Why not put it to use? Don't advertise - just go with people you know who have a need and who have a very good reputation. You can't use going market rates for rent in your area as a strict guide because your roommate would be sharing common space. You price too high you get vacancy and significant gaps between roommates. True if you price too low, you could be leaving money on the table. However, it's okay to leave money on the table if you can cherry pick your ideal roommate who in turn can pay you on-time, not give headaches and be there for a while. It's better to own free and clear than pay a mortgage and have a roommate. A free and clear mortgage will not move out or fall into an emergency where you may not get paid on time. With the roommate, you can pay off the mortgage faster. You can also pay for upgrades that increase energy efficiency and add equity. This can help you get to the best possible situation: home (free and clear) with roommate (s). Then, you are basically living for free if they are paying enough to cover taxes, utilities, HOA or condo fees, utilities - or pretty damn close to it. Unlike living with relatives, you also have equity and a little more dignity. If you can achieve that relatively early in your adult life, you would be set for life: the high points of your career would be that much sweeter and the low points far less painful. With that extra cash flow, which essentially is free money, you can invest for the long term. You can also take a small portion and send it off to the activist group(s) of your choice to fight for your race and civilization.
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December 6th, 2014 | #5 |
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Would you recommend an alternative?
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December 6th, 2014 | #6 |
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If I was single, I'd invest in a bus and convert it over into a home. That way, I could flee any neighborhood blighting, as well as any house bubble, since the converted bus will not devalue along with stationary homes. A houseboat would be nice, except it would be impractical, if employment is situated far from water.
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December 7th, 2014 | #7 |
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I own my own home in a rural white area. I do not want any roommates because more people=more problems. Plus I already have a wife and kids. Sure I have property taxes amounting to about $500 a year. Can you rent a place the rest of your life for $500 a year?
Even a RV or boat you have to pay to park it somewhere, there is no free lunch in this world. I'm not bashing anyone that doesn't mind roommates but it is not for me but some people like living with a lot of people. In case people are wondering where I live that has low property tax it is in SE Tennessee. Some people from the NE states are amazed when they move here, I hear some have paid thousands a year. |
December 7th, 2014 | #8 | |
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December 7th, 2014 | #9 |
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Skip college, go directly to some trade (hvac, carpenter, whatever) and begin working at 17-18 as soon as I could. Work in an apprenticeship and then job until I was 25-27ish or so, then start my own business. I'd be very rich by now. Ah, to have this wisdom years ago.
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December 7th, 2014 | #10 |
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20% of men never have to worry about retirement. By age 65 they're dead.
When you're young spend money having a good time, finding a good woman and having White kids. You can't take it with you. |
December 7th, 2014 | #11 | |
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December 7th, 2014 | #12 | |
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In all my years, I don't think I have actually been inside a mobile home more than 10 minutes yet I have lost count of how many times I have been told I live in one. It's not something I have given any thought to - how would you raise a family in a mobile home? If I were to rank it, it would be above renting and below living with relatives. For example, you own the trailer but rent the lot. If you own it free and clear, what is the lot fee? $400? Taxes another $100? With living with relatives, you don't forecast a gain in equity (someone could possibly leave you in a will but you would not expect nor plan for that). With a mobile home, you hold onto declining equity which seems like a lot of work for a little amount if you ever wanted to cash out. Unlike renting, you have equity in the trailer (or vehicle). Unlike home ownership, you forecast that it will decline in value over the years, whereas homes, on average, you would expect to gain value.
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December 7th, 2014 | #13 | |
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All circumstances are different, but if you buy your home right at the bottom of the 10-year Zillow value, then compare the average 10-year inflation adjusted Zillow value, your total monthly obligations may have only went down $100-200. if you switch to a cheaper utility company, maybe you will save another $40-50. Search for best deal on Internet for your needs, downgrade your phone to basic, another $50-60 saved. Depending upon where you live and market conditions, you might be able to get $300-$1,000 a month from word of mouth reputable people, which makes a huge difference.
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December 7th, 2014 | #14 |
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Older mobile home on a small parcel of land, free and clear.
Forget lot fee, renting or sharing space, unless temporary. Why insure old moble home or pay high prop. tax to ZOG. Most affordable way to live by my estimate. |
December 7th, 2014 | #15 |
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That's all I needed to say about living situations.
What about college? My position now:
Other than that, stay away. Common "wisdom" now is find your passion and "do it" but this only works less than 5% of the time. I would say find out what pays the most that you think you can do and eventually train to love doing and then do that. Instead of going to college, take an entry level job in a good company adjacent to where you want to eventually be. Work your butt off. Be a model employee. Build a reputation as someone reliable, upbeat, joyful, energetic and helpful - and develop work acquaintances in that department and eventually express interest in learning that role. That would be so much more valuable than taking yourself out of the workforce, wasting away being indoctrinated with social marxism and drunkenness, drugs, hedonism and bad or defeatist attitudes everywhere. But if you do happen to fall for the scam of the ZOG diploma mills, pay off those loans ASAP. The jew wants you to keep deferring them so the principle explodes and you can never afford to have kids - or have fewer later in life.
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December 8th, 2014 | #16 | |||
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December 8th, 2014 | #17 | |
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I'm picking up a lot of that in this thread. |
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December 8th, 2014 | #18 |
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I've lived in cars before. Well, I guess, if you call no more than two weeks in a car with a camp stove and the shower is in a camp ground or Autobahn Rastätte, maybe that's not really living in cars. it's sort of cool, though, as long as it's not in the middle of winter. Even then, it's cool, depending on the car. I have no problem living in a converted bus. Maybe, not a double decker, since I'd have to be carefull of low bridges. Double deckers allow one to set up shop on the bottom floor. That way, you can live and work in your bus.
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December 12th, 2014 | #19 |
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Buy a car?
Here's how I would do it again:
I have been doing that lately, but it took a while to figure out that was the best way. New cars can be very nice to drive but they can be bad on many a couple levels: (1) they depreciate so fast, and (2) because they can be so nice to drive, you may end up driving them more just for the sheer enjoyment of it which can rack up economic costs pretty quickly.
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December 12th, 2014 | #20 |
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RV-dreamers here are neglecting maintenance costs. These can be enormous. If you get a crack in your windshield, say goodbye to four figures. Water pump goes out, or water tank develops a hairline-but-disastrous leak? Ditto. Even with brand-new RVs, you are continually shelling out for maintenance, maintenance that is more expensive than sedan or pickup maintenance--or else you are spending a lot of valuable time on DIY repair. By contrast, most termite-free houses are set-it-and-forget-it until you need a new roof or AC/heater (usually not more than once per decade at the extreme). Believe me, RVs are toys of the rich.
Stationary trailers are a different story.
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