Culture

[Cackalacky]

You both need to be more accommodating of men, like me, who were born without a sense of humor. It's an underappreciated disability.

Thats ok man. I dont always know when I am joking either.
But....
1. Can you envision Wooderson in College?
2. Can you envision a elevated form of his philosophy?

Lol.

 

[Cackalacky]

Wooly where are you?

 

[wizards8507]

A couple of gems from Vice came through my Twitter feed this morning.

Why Can't My Famous Gender Nonconforming Friends Get Laid?

Answer: Because nobody wants to have sex with a lady who has a penis.

What Age Should You Get Your Financial Shit Together?

What sort of savings or investment should I have by the end of my 20s?

Well, financial planners say you should aim to save around 10 percent of your wage. So let's say by the end of your 20s you're on around $70,000. You should have saved maybe around $21,000.

That seems like a lot.

 

[woolybug25]

Wooly where are you?

How did I miss this?

It's gold, Jerry.... GOLD

 

[Wild Bill]

A couple of gems from Vice came through my Twitter feed this morning.

Why Can't My Famous Gender Nonconforming Friends Get Laid?

Answer: Because nobody wants to have sex with a lady who has a penis.

What Age Should You Get Your Financial Shit Together?

I think it's because young people are lazy. They don't have the work ethic like we did back in the day. Just to save every last penny to pay the mortgage I was working seven days a week, skipping lunch, and riding a bicycle instead of taking the bus to the factory. I used to buy a Mars Bar and have it in portions over three days. The youngsters are too busy going out to nightclubs and spending money. Everyone wants to just buy things they don't need. I firmly believe if you follow the rules, do as the government dictates, study hard in school, and put in hard, honest work afterward, you will be successful. It's not easy, but if you really go for it, anything is possible.

In my experience, I would have to disagree that the young are lazy or lack a work ethic. The majority of the young professionals who work for me or with me are hard working and very focused on their professional success. And to be candid, I had preconceived notions that young professionals are lazy. I'm proven wrong over and over. Maybe my experience is unique.

I do agree, they do lack discipline when it comes to their personal finances. They're also very ignorant with respect to budgets, investing and most live check to check on relatively large incomes. It actually frustrates me watching them work like savages only to blow their checks on bullshit they don't need and will regret buying.

As much as it's frowned upon to discuss personal finances, I actually think it helps them quite a bit. Most of them are open to criticism and will ask for help or tips to save/invest. They just don't know what they don't know and some guidance truly helps (I know, wiz, individual responsibility and all that). We shouldn't push these kids aside as dumb or hopeless. Older folks should put more effort into helping the young, especially when they are willing to learn. Our own financial stability depends on them.

 

[zelezo vlk]

"Young people are lazy". Click, end of what I'm reading.

 

[wizards8507]

In my experience, I would have to disagree that the young are lazy or lack a work ethic. The majority of the young professionals who work for me or with me are hard working and very focused on their professional success. And to be candid, I had preconceived notions that young professionals are lazy. I'm proven wrong over and over. Maybe my experience is unique.

I do agree, they do lack discipline when it comes to their personal finances. They're also very ignorant with respect to budgets, investing and most live check to check on relatively large incomes. It actually frustrates me watching them work like savages only to blow their checks on bullshit they don't need and will regret buying.

As much as it's frowned upon to discuss personal finances, I actually think it helps them quite a bit. Most of them are open to criticism and will ask for help or tips to save/invest. They just don't know what they don't know and some guidance truly helps (I know, wiz, individual responsibility and all that). We shouldn't push these kids aside as dumb or hopeless. Older folks should put more effort into helping the young, especially when they are willing to learn. Our own financial stability depends on them.

What field are you in? You talk about "young professionals," but that sample is already pre-selected to be among the most responsible and mature compared to the cohort as a whole. Even the hard-working "young professionals" you know are ignorant when it comes to personal finances, and we're talking about talented, educated, employed people. Just think how ignorant the rest of my generation must be if even the smart ones are still pretty dumb.

 

[ACamp1900]

Grey's gonna love this.....

 

[IrishSteelhead]

Culture

True story:

Back in my carefree bachelor days, I lived in AZ with a friend, and was making $35,000 a year. It felt like I was the richest man in the world. Savings account was never stocked, but I never needed money. Would go to bars every weekend and spend hundreds on booze and other dumb shit.


Fast forward a year:

My buddy is doing very well for himself, and I'm obviously still spinning my wheels with a shitty salary but not a care in the world. He spends months trying to get me to save or invest instead of burning cash, I don't listen.

He asks me to put $1,000 into something called "Bitcoin," which were $2 a pop at the time. He explained how I would have 500 BC, and they are going to be the next big thing.

The idea sounded stupid, I passed, continued to spend on dumb shit, and never got in.

PAYOFF FOR READING LONG STORY:

Bitcoin is around $3,000 now. A $1,000 investment when he asked would have been worth $1.5 million now, not that I would have rode it to this point anyways.

My buddy has made high 6 figures buying and selling them from the start, and still has about 300 or so left.

IT IS NEVER TOO EARLY TO START SAVING INVESTING KIDS. STOP EATING OUT AND GOING TO BARS EVERY NIGHT, AND TUCK AWAY SOME MONEY WHENEVER YOU CAN.

 

[woolybug25]

True story:

Back in my carefree bachelor days, I lived in AZ with a friend, and was making $35,000 a year. It felt like I was the richest man in the world. Savings account was never stocked, but I never needed money. Would go to bars every weekend and spend hundreds on booze and other dumb shit.


Fast forward a year:

My buddy is doing very well
for himself, and I'm obviously still spinning my wheels with a shitty salary but not a care in the world. He spends months trying to get me to save or invest instead of burning cash, I don't listen.

He asks me to put $1,000 into something called "Bitcoin," which were $2 a pop at the time. He explained how I would have 500 BC, and they are going to be the next big thing.

The idea sounded stupid, I passed, continued to spend on dumb shit, and never got in.

PAYOFF FOR READING LONG STORY:

Bitcoin is around $3,000 now. A $1,000 investment when he asks would have been worth $1.5 million now, not that I would have rode it to this point anyways.

My buddy has made high 6 figures buying and selling them from the start, and still has about 300 or so left.

IT IS NEVER TOO EARLY TO START SAVING INVESTING KIDS. STOP EATING OUT AND GOING TO BARS EVERY NIGHT, AND TUCK AWAY SOME MONEY WHENEVER YOU CAN.

They say that everyone gets one shot in their life to be fabulously wealthy. This one was yours....

 

[NorthDakota]

They say that everyone gets one shot in their life to be fabulously wealthy. This one was yours....

I'm waiting for mine. It'll come. And I'll capitalize on it. And then I'll use a sharpie from Harry Winston or Tiffany's to draw diamond dicks on your face.

 

[IrishSteelhead]

They say that everyone gets one shot in their life to be fabulously wealthy. This one was yours....

Lol. Yeah that stings, but my biggest regret is not doing simple things like saving money and investing in low risk, low yield stuff.

Bitcoin was lightning in a bottle that obviously isn't the normal result of investing.

 

[woolybug25]

I'm waiting for mine. It'll come. And I'll capitalize on it. And then I'll use a sharpie from Harry Winston or Tiffany's to draw diamond dicks on your face.

 

[Wild Bill]

What field are you in? You talk about "young professionals," but that sample is already pre-selected to be among the most responsible and mature compared to the cohort as a whole. Even the hard-working "young professionals" you know are ignorant when it comes to personal finances, and we're talking about talented, educated, employed people. Just think how ignorant the rest of my generation must be if even the smart ones are still pretty dumb.

I'm an attorney and manage both attorneys and non-attorneys.

I was on a construction site my entire childhood with my father and worked for a construction company for a decade while I was in college and law school. I assure you the blue collar guys I worked with are capable of learning and understanding basic concepts that will promote their individual financial success.

I think ignorant is a better word than dumb. Most of these kids are never taught even the most basic concepts regarding personal finances and worse yet are indoctrinated into believing frivolous spending will make them happy. I just think it's more worthwhile to give them some guidance than it is to write them off as a generation. One man's opinion.

 

[greyhammer90]

What field are you in? You talk about "young professionals," but that sample is already pre-selected to be among the most responsible and mature compared to the cohort as a whole. Even the hard-working "young professionals" you know are ignorant when it comes to personal finances, and we're talking about talented, educated, employed people. Just think how ignorant the rest of my generation must be if even the smart ones are still pretty dumb.

Grey's gonna love this.....

Generations are a misguided categorical construct and one of the most broad and useless in determining any given individual's traits. "A generation" is a category that is unfathomably broader than race/gender/nationality. Yet there are still tons of people that think that individual trait generalizations based on this category hold water. I guess it's largely due to the fact that in advertising there is serious money in making certain generations feel superior to other generations. An imaginary divide to cross/deal with/be smug about/blame equals big bucks for lots of hack authors, journalist and ad execs.

Wiz is the exception that proves the rule! He's a millennial white college educated male in his upper 20s who's married, leans libertarian and considers himself religious. How many people do you know like this!?!?! He's a special snowflake. One in a million. It's a miracle he escaped the confines of his own generation to have such a unique worldview.

 

[woolybug25]

Wiz is the exception that proves the rule! He's a millennial white college educated male in his upper 20s who's married, leans libertarian and considers himself religious. How many people do you know like this!?!?! He's a special snowflake. One in a million. It's a miracle he escaped the confines of his own generation to have such a unique worldview.

 

[wizards8507]

Wiz is the exception that proves the rule! He's a millennial white college educated male in his upper 20s who's married, leans libertarian and considers himself religious. How many people do you know like this!?!?! He's a special snowflake. One in a million. It's a miracle he escaped the confines of his own generation to have such a unique worldview.

Thankfully, the data exists.

I got married when I was 21, along with 4% of my peers. 16% of "older millennials" (1981-1989) identify as Catholic. 20% of Catholics attend Mass every week. 20% of millennials identify as libertarian. 63% of the country identify as non-Hispanic white. 50% of the country is male. 11% of people age 25 to 34 have an advanced degree.

.04 * .16 * .2 * .2 * .63 * .5 * .11 = .000009.

That gets you to 9 in a million. Throw in the fact that I bought a house when I was 22, I have no consumer debt, and my wife is a stay-at-home mom and I think you can get to one-in-a-million pretty easily.

Thanks, Hammer. I think you're one-in-a-million too.

 

[Irish#1]

Generations are a misguided categorical construct and one of the most broad and useless in determining any given individual's traits. "A generation" is a category that is unfathomably broader than race/gender/nationality. Yet there are still tons of people that think that individual trait generalizations based on this category hold water.

Agree, I've heard the same stories about Baby Boomers, Gen X'ers and Millennials. Will probably hear it about Gen Z's as well. Each generation has a little something that defines them, but overall, there's not much difference.

I got married when I was 21. Throw in the fact that I bought a house when I was 22.

Same thing for me, except I wasn't as frugal with the money back then. Had to have a new car every 2 years for about the first 15 years of marriage before I figured that one out.

 

[IrishLax]

True story:

Back in my carefree bachelor days, I lived in AZ with a friend, and was making $35,000 a year. It felt like I was the richest man in the world. Savings account was never stocked, but I never needed money. Would go to bars every weekend and spend hundreds on booze and other dumb shit.


Fast forward a year:

My buddy is doing very well for himself, and I'm obviously still spinning my wheels with a shitty salary but not a care in the world. He spends months trying to get me to save or invest instead of burning cash, I don't listen.

He asks me to put $1,000 into something called "Bitcoin," which were $2 a pop at the time. He explained how I would have 500 BC, and they are going to be the next big thing.

The idea sounded stupid, I passed, continued to spend on dumb shit, and never got in.

PAYOFF FOR READING LONG STORY:

Bitcoin is around $3,000 now. A $1,000 investment when he asked would have been worth $1.5 million now, not that I would have rode it to this point anyways.

My buddy has made high 6 figures buying and selling them from the start, and still has about 300 or so left.

IT IS NEVER TOO EARLY TO START SAVING INVESTING KIDS. STOP EATING OUT AND GOING TO BARS EVERY NIGHT, AND TUCK AWAY SOME MONEY WHENEVER YOU CAN.

FWIW, I wouldn't have thrown away 3% of my income on some Nigerian Prince looking shit either if I was in your shoes.

But damn.... in retrospect... yikes....

 

[IrishSteelhead]

FWIW, I wouldn't have thrown away 3% of my income on some Nigerian Prince looking shit either if I was in your shoes.



But damn.... in retrospect... yikes....

Pretty sure that same weekend I lost like $500 at the casino and spent probably $250 on booze. YOLO......

 

[koonja]

True story:

Back in my carefree bachelor days, I lived in AZ with a friend, and was making $35,000 a year. It felt like I was the richest man in the world. Savings account was never stocked, but I never needed money. Would go to bars every weekend and spend hundreds on booze and other dumb shit.


Fast forward a year:

My buddy is doing very well for himself, and I'm obviously still spinning my wheels with a shitty salary but not a care in the world. He spends months trying to get me to save or invest instead of burning cash, I don't listen.

He asks me to put $1,000 into something called "Bitcoin," which were $2 a pop at the time. He explained how I would have 500 BC, and they are going to be the next big thing.

The idea sounded stupid, I passed, continued to spend on dumb shit, and never got in.

PAYOFF FOR READING LONG STORY:

Bitcoin is around $3,000 now. A $1,000 investment when he asked would have been worth $1.5 million now, not that I would have rode it to this point anyways.

My buddy has made high 6 figures buying and selling them from the start, and still has about 300 or so left.

IT IS NEVER TOO EARLY TO START SAVING INVESTING KIDS. STOP EATING OUT AND GOING TO BARS EVERY NIGHT, AND TUCK AWAY SOME MONEY WHENEVER YOU CAN.

OMG if I were your friend it'd be so hard not to remind you I told you so. Reps. I feel awful, but you're taking it well.

 

[wizards8507]

They say that everyone gets one shot in their life to be fabulously wealthy.

I'm just waiting for my mother in-law to kick in.

Half sarc.

 

[Wild Bill]

Pretty sure that same weekend I lost like $500 at the casino and spent probably $250 on booze. YOLO......

A quick million dollar payoff is basically an early grave for most region guys. Consider yourself lucky you're still here to tell us the story.

 

[IrishSteelhead]

Culture

A quick million dollar payoff is basically an early grave for most region guys. Consider yourself lucky you're still here to tell us the story.

Lol. Definitely would have went up the nose, and out the ass long before 40.

As for my friend, he doesn't bring it up unless I ask. He's good like that, but still makes me get dinner when it's my turn, perhaps that's his subtle jab.

 

[Whiskeyjack]

Here's a compelling Tweetstorm from Trump country:

<blockquote class="twitter-tweet" data-lang="en"><p lang="en" dir="ltr">Perhaps it's working-class parents with teenagers who aren't college material or will need to work through local college and have no jobs. <a href="https://t.co/Nqxrxgim22">https://t.co/Nqxrxgim22</a></p>— BlackPilled Pete (@BlackPilledPete) <a href="https://twitter.com/BlackPilledPete/status/883648922568314880">July 8, 2017</a></blockquote>
<script async src="//platform.twitter.com/widgets.js" charset="utf-8"></script>

 

[Whiskeyjack]

#TeamKDW

The thread is by user @BlackPilledPete, and you apparently need to click the dated link below instead of the one above to read it. He's rebutting KDW's point.

 

[wizards8507]

The thread is by user @BlackPilledPete, and you apparently need to click the dated link below instead of the one above to read it. He's rebutting KDW's point.

I know. I'm with KDW (almost always).

 

[Whiskeyjack]

I know. I'm with KDW (almost always).

How would you address Pete's argument then?

 

[wizards8507]

How would you address Pete's argument then?

Most of what he lays out seems to be an admission that he's a shitty father.

1. I think the list of people who objectively "aren't college material" is very short. Most people are at least cut out for a trade.

2. It's not that hard for teenagers to get jobs. My idiot cousin just quit his job at Taco Bell because he didn't feel like walking there in the summertime. My pops works a $70,000 job that requires zero skill. They can't keep it staffed by people who show up on time and sober. I don't blame "the system" for idiots acting like idiots.

3. "Food service is almost entirely illegals" is just objectively false.

4. I don't think Kevin Williamson or any other "free market conservative" would defend "state forces and distortions." Those are the exact things that free market conservatives speak out against.

5. This guy wants to blame Obama that his kid is a loser fucking pothead who does nothing but play video games all day? Look in the mirror, pops.

By their fruits you will know them. Do people pick grapes from thornbushes, or figs from thistles? Just so, every good tree bears good fruit, and a rotten tree bears bad fruit. A good tree cannot bear bad fruit, nor can a rotten tree bear good fruit. Every tree that does not bear good fruit will be cut down and thrown into the fire. So by their fruits you will know them.

Also: Put not your trust in princes, in children of Adam powerless to save.

 

[IrishLax]

How would you address Pete's argument then?

It's total nonsense because there are thousands of jobs available right now in metropolitan areas they just don't want to move and work them for their market rate. All it takes is a bus ticket to get out, and just about every store in Tysons Corner is hiring. I'm sorry their communities are obsolete but it's the same situation my mom was in decades ago... you can't do structural engineering in a one stoplight town, so you have to move for a job. Similarly, if the plant/mill/whatever jobs are gone move and get a job in something else.

There are also TONS of manufacturing jobs in places like Charleston that can't find someone to work it for $18/hour if "blue collar" work is your kind of thing. Don't even get me started on the shortage of "skilled labor" in construction markets like Denver and DC. The whole economic premise is horseshit.