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Would you consider $400k cash life changing money?
08-25-2024, 08:55 PM
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#61
Originally Posted By OliverHeldens⏩
Not really. Sales people make on average 60k a year and most of that would go into a car and house.The average 40 year old isn't doing it, but a person who works in sales can do it pretty easily with any type of discipline.
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08-25-2024, 09:26 PM
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#62
- LargePeter
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Originally Posted By OliverHeldens⏩
LMFAO at parking $400k in your bank account and leaving it thereIt wouldn’t change a thing for me.
But it would for most people. If you can’t live a pretty comfy life with $400k in the bank, you have a spending problem.
But it would for most people. If you can’t live a pretty comfy life with $400k in the bank, you have a spending problem.
Invest it you chit kunt, earn an income from it
For me? $400k is one year of not having to work. Who cares?
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08-25-2024, 09:43 PM
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#63
- FrankCostanza
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Rn put it into Bitcoin wait till trump wins. If he loses just wait a few years and you'll have millions. If he wins expect a 10x within 2 years.
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08-25-2024, 10:04 PM
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#64
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It would obviously change 99% of peoples lives you stupid ****
08-25-2024, 10:12 PM
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#65
- SuperHercules
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Freedom and being attractive are the only life changing things
Ugly wageslaves worrying about how much they need to "make it" have already failed at life
Ugly wageslaves worrying about how much they need to "make it" have already failed at life
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08-25-2024, 10:38 PM
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#66
- CreateSmackPiss
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Originally Posted By explosiveMidget⏩
how about i send you $3.50 and a video of me having sexy time with a goat of piss in my trailer, like a smack dog boyTo some miscers 400k is chump change.
Donate me 1k to buy drugs alcohol and cigs. srs it will go to a good cause and I'll confirm to the misc ur indeed a baller.
Donate me 1k to buy drugs alcohol and cigs. srs it will go to a good cause and I'll confirm to the misc ur indeed a baller.
08-25-2024, 11:04 PM
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#67
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If you do your due diligence and invest it/used it absolutely perfectly like you had AI level skill and a copy of the future almanac like Back to the Future; the net result should be a god damn peace of mind that should help you enjoy the people you already have and the things you already take for grant doing math gymnastics that pay day will hit with exactly with enough time for you electricity not to be cut off like that final notice you been ignoring says. So it depends what lifechanging scale we comparing to. Because you'll be slaving at whatever job you been good at, so your daily routine shouldn't change at all, if anything's adds financial tasks to be checking. But the moments in your routine you wish you had time for....now... yea you still don't have more time for them but you get to appreciate and enjoy those minutes without the load of your back of in pending final doom next time you have to cut into your budget for some random **** like flat a tire.
And that is with all mentioned requirements. Now:
And that is with all mentioned requirements. Now:
08-26-2024, 12:03 AM
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#68
- stevebec
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Originally Posted By Cleveland33⏩
Pretty much this. I've got 2-3 years left currently. I'd probably stick it out for another year, but that would give me the option of walking away if I ever really decided I had enough.i could retire on that
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08-26-2024, 03:44 PM
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#69
Originally Posted By blazenbb⏩
Even for people who do well. I’d say 2-3 years of additional time you get in your 40/50s is life changing. I’d much rather not work for 3 extra years
Originally Posted By blueberryboy⏩
The question was if it were life changing money for you. It'd just end up in an investment account. Doesn't change a thing other than a retirement timeline which is amendable.Lmao at thinking it's just some trivial thing for the average 40 year old to just stack 400k In 2-3 years
The % of Americans who could even come close that would be extremely small
The % of Americans who could even come close that would be extremely small
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08-26-2024, 04:00 PM
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#70
08-26-2024, 04:02 PM
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#71
08-26-2024, 04:09 PM
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#72
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Prob spend 10-20k doing stupid ****, then throw the remainder with the rest of my investments. Would def help with financial security, but not life changing.
08-26-2024, 04:32 PM
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#73
08-26-2024, 04:40 PM
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#74
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Stupid question.
08-26-2024, 04:47 PM
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#75
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Yes
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08-26-2024, 05:22 PM
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#76
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Honestly an interesting question.
For those with over 2 million it doesn't do much. Just speeds up their retirement window a couple years.
52% of American's have a net worth of less than 30k... I don't think it would change anything for these people either. A couple good years and back to poverty.
The biggest beneficiaries would be in their Late 20's -50's with the fundamental's already in place.
It would be huge for me. Being able to retire in 15-20 years instead of 28-30 would be nice.
For those with over 2 million it doesn't do much. Just speeds up their retirement window a couple years.
52% of American's have a net worth of less than 30k... I don't think it would change anything for these people either. A couple good years and back to poverty.
The biggest beneficiaries would be in their Late 20's -50's with the fundamental's already in place.
It would be huge for me. Being able to retire in 15-20 years instead of 28-30 would be nice.
08-26-2024, 05:42 PM
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#77
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Originally Posted By MrQuint⏩
I just won $100 on a $5 scratch ticket and got all excited LOL...Definitely. Just lol at the people acting like it’s nothing. I still get excited finding $20 in a random pocket.
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08-26-2024, 05:44 PM
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#78
- eddiehaskell
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Originally Posted By Austanian⏩
net worth under $30k and $400k only gets them a few good years? that would be some serious spending...probably spending ~$240k+ per year if they continue with being employedHonestly an interesting question.
For those with over 2 million it doesn't do much. Just speeds up their retirement window a couple years.
52% of American's have a net worth of less than 30k... I don't think it would change anything for these people either. A couple good years and back to poverty.
The biggest beneficiaries would be in their Late 20's -50's with the fundamental's already in place.
It would be huge for me. Being able to retire in 15-20 years instead of 28-30 would be nice.
For those with over 2 million it doesn't do much. Just speeds up their retirement window a couple years.
52% of American's have a net worth of less than 30k... I don't think it would change anything for these people either. A couple good years and back to poverty.
The biggest beneficiaries would be in their Late 20's -50's with the fundamental's already in place.
It would be huge for me. Being able to retire in 15-20 years instead of 28-30 would be nice.
08-27-2024, 08:59 AM
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#79
- Austanian
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Originally Posted By eddiehaskell⏩
Learning to live on less than you make is a muscle that needs to be trained. I know people that make 35k a year and save 10k a year and people that make 200k that live pay check to paycheck. My mom got a 300k divorce settlement and blew through it in 3 years (this was 20 years ago so essentially 200k per year in todays dollars). Most lotto winners go broke within a few years. Most professional athletes are broke a few years after their career ends.net worth under $30k and $400k only gets them a few good years? that would be some serious spending...probably spending ~$240k+ per year if they continue with being employed
When households with no financial fluency are given a good lump sum of money you end up with: Paid off credit cards, 2 new cars, an expensive ring, a few nice vacations, designer clothes, and a down payment on a 700k house. Woman stops working.
5 years later the cars are worth <50% of their purchase price, but then they see something new trade them in to get new cars only getting 40% of the purchase price. Getting new monthly payments on 2 new 80k vehicles. A bone is broken, appliance breaks, dog gets hit by car... gets put on a credit card. All of a sudden the 3.5k a month mortgage payment that was doable while debt free on 75k a year is no longer possible. More credit card purchases. Things are even tighter. Woman refuses to go back to work. Divorce... Game over.
08-27-2024, 11:28 AM
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#80
08-29-2024, 05:53 PM
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#81
Originally Posted By Austanian⏩
Spot on.Learning to live on less than you make is a muscle that needs to be trained. I know people that make 35k a year and save 10k a year and people that make 200k that live pay check to paycheck. My mom got a 300k divorce settlement and blew through it in 3 years (this was 20 years ago so essentially 200k per year in todays dollars). Most lotto winners go broke within a few years. Most professional athletes are broke a few years after their career ends.
When households with no financial fluency are given a good lump sum of money you end up with: Paid off credit cards, 2 new cars, an expensive ring, a few nice vacations, designer clothes, and a down payment on a 700k house. Woman stops working.
5 years later the cars are worth <50% of their purchase price, but then they see something new trade them in to get new cars only getting 40% of the purchase price. Getting new monthly payments on 2 new 80k vehicles. A bone is broken, appliance breaks, dog gets hit by car... gets put on a credit card. All of a sudden the 3.5k a month mortgage payment that was doable while debt free on 75k a year is no longer possible. More credit card purchases. Things are even tighter. Woman refuses to go back to work. Divorce... Game over.
When households with no financial fluency are given a good lump sum of money you end up with: Paid off credit cards, 2 new cars, an expensive ring, a few nice vacations, designer clothes, and a down payment on a 700k house. Woman stops working.
5 years later the cars are worth <50% of their purchase price, but then they see something new trade them in to get new cars only getting 40% of the purchase price. Getting new monthly payments on 2 new 80k vehicles. A bone is broken, appliance breaks, dog gets hit by car... gets put on a credit card. All of a sudden the 3.5k a month mortgage payment that was doable while debt free on 75k a year is no longer possible. More credit card purchases. Things are even tighter. Woman refuses to go back to work. Divorce... Game over.
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09-10-2024, 12:43 PM
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#82
not even enough for my monthly celltech haul opie
srs
srs
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09-11-2024, 02:48 AM
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#83
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definitely no
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