But..."muh legacy"

wheres the line to lose half my sh!t?

Being married doesn't cost a thing, and if you get a wife that works it's a financial benefit


Kids are an absolute money sink though

Kids may be a 'money sink' but they add so much quality to life from my experience

Credit card payments are subject to convenience fees. Which can be anywhere from 2-4% So anything less then 5% cash back rewards is most likely a wash. Furthermore, even if you think you're only making purchases with your card that you'd make with cash. And you pay it off every month. Data strongly indicates that people spend more money with a credit card that they do with cash.

My girlfriend has worked in retail & marketing for years. There is a reason why they partner with credit card companies and push them so hard. Often offering massive amounts of 'points' or 'cash back rewards' at specific locations/items.

Where she works credit card customers spend about 38% more then cash customers. They push an affiliated credit card and sometimes offer up to a 25% discount on items when you use that card. But they are still making more money from those people even when they give them a 25% discount.



Everyone gives Dave Ramsey **** over this but he is 100% correct that a cash budget is the most efficient way to go. Especially when you are dealing with small businesses that will often give a cash price better then a charge card price + its a wash on the 3% fee they'd have normally charged you on top the regular price.


Don't get me wrong, I use a credit card for the convenience of it. But I understand cash back rewards/points are basically a wash. I'm lucky to break even. Most likely scenario, taking a L using a credit card and spending more money then you think you make with your cash back.

What are you talking about?

A customer paying with a credit card does not automatically get charged an extra 2-4%. Just the business accepting the payment.

On just ONE of my credit cards I get ~$200 cash back a month. That's for a 100% free card.

If you spend a lot, credit cards and paying them off is definitely the way to go.

Shop store-brand at Wally world, unless they don't have what you need. Go to a warehouse store like Costco or Sam's Club.... yeah the annual fee sucks but you'll save more than that annually when you buy everything in bulk and "discounted." Some of them have useful apps to let you "scan and pay" without even standing in line, and some give cashback rewards just for shopping there, redeemable for future store purchases. Not to mention all of them seem to save like 5-10% on gas prices.

Any time you go to a fastfood restaurant, use their apps. McDonald's has daily deals, points reward system. Chipotle has the same. Taco bell has online exclusive deals to give you access to combos/items that are greater value. Domino's has both coupons and free pizza rewards after enough usage.

Every year or 2 you should entertain offers from other car insurance companies. Usually save a solid amount per term.

Use credit card for everything. Pay it off fully in advance before the interest builds up. Use accrued points to save on flights/hotels whenever they arise.

Time IS money, breh.

Haul your own garbage to dump instead of paying for waste removal
Cool your own food
Piss in yard instead of flushing every time you need to piss
Fix all your own stuff instead of hiring tradies
Or you could just not be a poorcel

These are good, as far as streaming, you can get any movie/show for free here..

https://hdtoday.tv/

Just close out the annoying pop-up windows.

I ride a motorcycle, (also have a truck though) that saves me on gas & time..can lane split in CA.

The problem with most women and their incomes is that once they get serious enough to live with a dude, or especially get married, like 70% of them just increase their own spending habits just because the "duel income" thing allows them to.

On top of all that, many of them have a ton of retarded student issues that they don't even start properly prioritizing until their damn 30's. Getting married to a woman like that (which is definitely a majority of them) is one of the most expensive things a man can do.

only for the man if you get forced on that child support time.

if youre a couple not only do you get taxxed less since you have dependants but you get guvment baby checks which around here are $500/mth per kid 0-12(0-2 get boosters too since way more routine doctor visits). $200/mth for 13-17.

guvment pretty much pays for them to live. its an investment for them. they try to keep it alive for 18 years so the next 50 years they can be tax paying sheep.

Get a membership at Costco or Sams Club to save money on food and gas. Avoid doordash/uber eats as it definitley adds up. Never understood why my buddies never do this but I also pay my car insurance in full every 6 months and the savings add up as they charge more for the monthly payment plan

Where are all these government checks I'm supposed to be getting for my kid? I've never gotten one of those before. An extra $500 /month would sure be nice lol

1. In 2023 a large portion of businesses charge the 2-4% to the customer. Most people are unaware of this as by the time sales tax and charge is added people don't even notice/care. Obviously not on all charges but on most. You most likely spent $100-150 in convenience charges for that $200 cash back. Srs.

2. Data overwhelmingly indicates that 'free' credit cards with cash back/point rewards cause people to increase spending. Often on items they wouldn't have bought otherwise.


To give you an idea of the psychological power of cash back rewards/discounts/bonuses for credit card. My girl literally makes more money selling products to card holders with a 25% off discount. Then charging cash paying customers full price for the item. She literally gets bonuses and monetary incentives for getting people to sign up for/use credit cards. Credit card companies/businesses/retailers make a fukkload of money on 'free' credit cards where people pay it off and never pay interest. It evens out in increased customer spending.



Its not a big deal at all. Just be aware that cash back rewards/points/discounts for using credit cards are literally scams. Not money saving hacks. Anyone who believes its a money saving hack has never been involved with CC companies and haven't attended any of their marketing courses/training.

Its fine if you use them. Just don't be a sucker and think you are 'winning' because you don't pay interest.

Instead of buying individual houses, buy large plots of land in desirable areas, subdivide and build units.

Make them as identical as possible so you can save on bulk orders of tiles, roof trusses, appliances, etc etc

Works out way cheaper per house compared to buying them individually

Mobile providers like verizon have 5g home internet for $50/mo. You have to qualify near their towers tho.

Much cheaper than the 80+ youd spend for spectrum cable.

Look into solar panels, especially if youre a southerner. Do your homework tho, dont get scammed into a bad warranty etc. Get a 30yr warranty and itll pay for itself in 8-11 yrs.

Change your own oil. It costs half as much and you can guarantee a good job and not getting scammed with cheap oil, or the idiot mechanic didnt prime your filter.

And def cook for yourself. Now that eggs are back down, 6 eggs and 3 strips of bacon is a $2 meal that takes 15mins to make.

Instead of paying for your university degrees, get your employer to pay for them

Generally speaking the degree must be relevant/required for the job you are doing

Instead of taking out a loan to buy a house, pay for it in cash. You’ll most likely get a favourable deal from the seller, and save hundreds of thousands of dollars in interest payments.

The thing I never understood about people who claim they get all this extra "free money" from cash back credit card rewards programs is that they seem to think the CC companies don't have it all figured out and are just handing out free cash to people. A very select small number of people do actually do CC's rake in the benefits, but most just end up spending more than they would have without the CCA companies offering all that credit.

I don't think I am good at money hacks. I just buy what I want.

Cash back apps combined with using strategic coupons. Between all of my cash back apps, I make about 200-250 dollars a month from my groceries and purchases.