i cant buy a home cause i dont want to move away from my family. thats all i really got in life that matters, is my family.

i agree. Government-backed student loans were first offered in 1958 under the National Defense Education Act (NDEA) and were only for students studying toward engineering, science, or education degrees. Higher Education Act of 1965 (and reathorized/extended with ammendments), expanded the program to inluce all degrees. colleges have been using this to get kids into useless degrees, all the while increasing tuition rates and spending more on sports than academics.

I was unaware an OLED is a necessity, without which life will be unbearable. Regarding an OLED as a necessity is a good example of what I mentioned earlier: hedonic adaptation. Some form of entertainment is a necessity, I think, but it could be something cheap like library books, or something expensive like a home theatre with subscription to all the cable tv channels plus a stack of DVDs.

It's like mobile phones. The purpose is communication, which can be achieved with a $50 dumbphone from 2000 and $20 a month in bills, or it can be achieved with a $1,200 iPhone and $200 a month in bills. It's your choice make. There's nothing wrong with blowing money on OLEDs and iPhones and $40 steak dinners, it's your money, you earned it, do what you like with it. But if you spend on X, you can't complain about not being able to afford Y. You can't have everything.Well also they're marrying at 30 instead of 20. So while they have higher incomes (by virtue of having worked for 5-12 years) they also have higher expectations. The typical 20yo in 1950 was just happy to get out from under mum and dad's thumb; now the 30yo was living with mum and dad until they moved in with their spouse last week, and they look at the wealth their parents built up by 50-60yo and want that. But they didn't save for the 5-12 years they were working, they were all "live, laugh, love!" and "party on, dudes!"

I see time and again: just as women who were formerly focused on their careers and super-fussy about men suddenly panic at 32-35yo and want to get married and have children yesterday, so too do both men and women about to get married and panic and save like maniacs for 12 months - after not having saved a cent over the past 5-12 years of full-time work.

As my own example demonstrates, saving for seven years puts in a better position than saving for one year. Which should be obvious, but evidently is not. Those who start at 30yo rather than 20yo will be on the back foot financially, but at the same time have higher expectations. This disconnect has caused a lot of drama and screaming.You are so eager to speak that you have forgotten to listen. Go back and readmy post.

It's not easy or quick, it takes years of being frugal and saving. And some areas will be more difficult than others. Even just here in Melbourne we find houses much cheaper 35km from the CBD - but there's not much public transport or services, so what the person saves in housing costs they end up spending on transport. You can't have everything, you have to choose.

As I said, we started in 2001 and bought in 2008, and then again in 2012. The first place was $325k and would now be about $500k, the second was $535k and would now be about $750k. It's looking like we'll clear our $150k or so remaining debt by 2021. If the houses' values don't go up at all, this will mean a net worth - just looking at property - of $1.3 million. But we took 20 years to do it. I don't think that's insanely ambitious. What is remarkable is not what was achieved in 20 years, but that we stuck at it for 20 years.

Stick at anything for 20 years and you'll achievesomething. Judging from people's workout journals (or lack thereof), not many people think like that. Just audit yourself: how many years are you past 18? What have you achieved in those 5, 10 or 20 years? Could it have been more? The idea here is not to condemn or praise yourself, but to assess: was this the best approach to achieving my goals? If not, what can I change? And then dothatfor the next 5, 10 or 20 years.

It's like Stevie P was saying about lifting, that the curlbros all have a "secret" to share. He said he's never seen a curlbro call another over and say, "Hey bro, what I'm going to do is eat real good food and lift real heavy weights for about ten years, and see if that builds any muscle."

First off there’s twice as many as you little mother f*ckers running around in the US

Stop having kids for f*cks sake. Quality of life can only go down by increasing population further at this point

Most of you are physically disgusting and have no business reproducing anyway

It was a good deal on the land at the time. 3 acre residential lot with large oak trees on the property. The only reason the property isn't worth far more is the town just hasn't developed that much since then. Very stagnant.



Where I live now the price is between 100K-200K per acre. 100K being undeveloped and no trees. Where you live out west land is cheap as fuark bro.


In my opinion people who can't pay cash and aren't smart or athletic enough for a full ride should not be going to college. Taking out student loans is ludicrous. I listen to Dave Ramsey youtube videos and people absolutely fukk themselves with credit cards and student loans. Often at the same time.


College was originally for the upper middle class/elite social class. Now everyone feels like they 'deserve' a college education. Degrees have decreased in value since they are so common and institutions of higher education have become for profit businesses.

The fact that someone can pass tests and its considered 'acceptable' when they only know 70% of the content is pathetic. Would you go to an auto mechanic that only fixes problems 70% of the time? Would you go to a doctor that only successfully treats patients 70% of the time? Etc. I'm not even gifted academically and I thought college was easy as hell. The majority of college students should not be passing their courses or getting degrees. In my opinion, college is too easy and too attainable for the common man. Which is why we have a student loan crisis. And why people end up fukking their lives over before they really begin their careers/trades.