Rant: Dispatch from the financial battle front

[ZarathustraParticipant 2246]

All of what I am about to say will be familiar to those who peruse this website but I have to rant…

I work as a banker and some days I can barely stomach the job. There are many frustrations but chief of them all is having to refinance a mortgage to consolidate credit card debt some precious little cup cake has accumulated, that her husband now has to pay through higher mortgage payments.

At least once a week I meet with a couple and the wife has like 30K in credit card debt we are rolling onto their mortgage – WTF!? I live in a small town and I know these people and that this debt was all used to pay for useless s~~~.

Just so frustrating… and I can’t drop the Red Pill on them because its all about the “customer” and these guys are so blue pill it wouldn’t make any difference anyway….

Just wanted to say… I review the finances of 20-30 people a week an everything we say about women and money is true! (To be fair… maybe 1 time in 10 its the other way around but that is the exception….

Just ranting bad day at work…

[CarnageParticipant 22113]

Just remember:

You ARE A LUCKY MOTHER F.

You know and you are safe, you know the financial caos, know the results of marriage and you are MGTOW/redpilled.

You are like an eagle flying above all the predators and victims.

Thank your job, it kept you alive and safe.

To those following me, be careful, I just farted. Men those beans are killers.

[Anonymous 18]

On the plus side some really smart men are getting richer because cupcakes need to buy new s~~~ to escape depression.

[ZarathustraParticipant 2246]

You know what numerator… I was thinking the same thing. Maybe these idiots are necessary for the economy… no spending on stupid s~~~ means no credit card debt. No credit card debt means no mortgage refinance which means I don’t have a job. That’s one way to look at it.

[Jan SobieskiParticipant 28791]

The average American has 16k in credit card debt.

Since I carry 0k, that means someone is carrying 32k…like you said buddy.

American Household Credit Card Debt Statistics: 2016

Love is just alimony waiting to happen. Visit mgtow.com.

[Anonymous 13]

Women spend men into bankruptcy and despair.

[ZarathustraParticipant 2246]

I met with a dude a few weeks ago who has one kid with a girl who dumped him and now has a baby on the way with girl #2, who is Pilipino and obviously using him for immigration. He had a sweet affordable bachelor pad and “upgraded” to a house he cannot afford to the new girl and baby. What does she say in the mortgage appointment? “Stop looking at me. Why are you always looking at me?” Poor simp can’t even look at the woman he who’s lifestyle he pays for and lets immigrate to Canada. Pretty messed up.

[ForeverDoneParticipant 2928]

Umm, why would anyone move unsecured debt (personal loans, credit cards, etc) into a home loan secured by assets? That makes absolutely zero sense.

[BushidoParticipant 637]

Zarathustra wrote:

Maybe these idiots are necessary for the economy…

God bless capitalism and all the fools whose money was soon parted 🙂

Logic guides your actions, emotion guides your morals. Only you may decide how you use them.

[HermitParticipant 1121]

Just keep telling yourself: “There but for the grace of the red pill….”

I don't hate women. I just feel better when they're not around.

[BeerParticipant 11832]

ForeverDone wrote:

Umm, why would anyone move unsecured debt (personal loans, credit cards, etc) into a home loan secured by assets? That makes absolutely zero sense.

Probably to go from like 17% interest to 4%.

Anonymous wrote:

On the plus side some really smart men are getting richer because cupcakes need to buy new s~~~ to escape depression.

Hell yeah…cupcakes are quite helpful in my asset accumulation for early retirement. They pay my dividends…only they don’t know it.

[ForeverDoneParticipant 2928]

Beer wrote:

ForeverDone wrote:

Umm, why would anyone move unsecured debt (personal loans, credit cards, etc) into a home loan secured by assets? That makes absolutely zero sense.

Probably to go from like 17% interest to 4%.

Numerator wrote:

On the plus side some really smart men are getting richer because cupcakes need to buy new s~~~ to escape depression.

Hell yeah…cupcakes are quite helpful in my asset accumulation for early retirement. They pay my dividends…only they don’t know it.

Yes, I know the rate is lower, but one is unsecured, the other is. It’s just plain stupid.

[NerdTunnelerParticipant]

More debt accumulated by women who is soon going to monkey branch and suck another blue pill man…The broken man she left behind is probably going to become MGTOW…One side of growing MGTOW…Be ready to inject red pill brother when wife leaves the husband…Its going to happen anyway…

I stand with feet apart and let my balls hang free...Manginas dont have balls...See how they stand and sit at the whim of their masters...

[Artboy99Participant 369]

What I hate about working in a bank ( as I do as well ) is that women seem to think it is an ok time to talk to me about non financial crap. Man in a room = fair game for female crap. The number of times I get hit on, or asked to date is ludicrous. I am not the most attractive guy either so it is clearly because they think I have money.
Just irritating.

[ZarathustraParticipant 2246]

Yeah I hear you Art Boy. I also see a lot of obvious cleavage in an attempt to get better service or better rates.

[MACHOParticipant]

Zarathustra wrote:

Just wanted to say… I review the finances of 20-30 people a week an everything we say about women and money is true! (To be fair… maybe 1 time in 10 its the other way around but that is the exception….
Just ranting bad day at work…

Sometimes one needs to vent, it’s a healthy practice! and with a job like yours it’s highly unlikely that you will relapse! MGTOW and that type of job and you are red pill for life!

You must own a better Crystal ball than I

[ZarathustraParticipant 2246]

Working in this industry does help you to become Red Pill. You realise how stupid people most people are. You can give them all the advice but at the end of the day they still do stupid things, financially speaking, and you can’t do anything about it.

Met with a couple who have tons of debt but want to spend 30K on a shed! I showed them how instead we could refinance their existing debts and save $1,200 a month in cash flow but nope we want he shed!

Its craaaazy!

[BeerParticipant 11832]

Zarathustra wrote:

Working in this industry does help you to become Red Pill. You realise how stupid people most people are. You can give them all the advice but at the end of the day they still do stupid things, financially speaking, and you can’t do anything about it.

Met with a couple who have tons of debt but want to spend 30K on a shed! I showed them how instead we could refinance their existing debts and save $1,200 a month in cash flow but nope we want he shed!

Its craaaazy!

It amazes me how many people out there base what they can afford on what they could afford the payments on to finance. People that do this will literally never get ahead in life. The sad thing is people like this obviously love having stuff, but they don’t seem to ever realize how much more stuff they could have over their lifetime if they weren’t paying a 20% markup on everything after factoring in interest and fees from financing it all.

For a lot of people literally being frugal for a couple year and paying debt down aggressively could save them hundreds or thousands in interest payments for decades to come, but they can’t be bothered to do it…financing their next vacation because they haven’t quite hit the limit on their second credit card yet is more important.

[ZarathustraParticipant 2246]

And the thing is Beer they would only need to cut back for a year or two to get ahead, don’t take a vacation drive your old car for a year or two extra and they would be fine but they don’t.

[BeerParticipant 11832]

Zarathustra wrote:

And the thing is Beer they would only need to cut back for a year or two to get ahead, don’t take a vacation drive your old car for a year or two extra and they would be fine but they don’t.

Oh yeah…I have some relatives who paid their car off recently. It was still running reliably and in good shape. More than one person gave them the advice to take what they were paying for a payment and put it into savings, that way 3, 4, 5 years or whatever down the road when the car eventually starts having issues and its time to replace it, they’ll have a chunk of money set aside to put towards the next car, or maybe even enough to buy something in cash depending how long the current car ran well for.

A week after they paid it off they traded it in and got something with payments again lol. Who cares if they’ll probably pay like 6k or whatever in interest over the purchase price of the car…they want that new car now! Whats disgusting though is if they go through a dozen cars in a lifetime doing this…6,000 x 12 = 72k…that is like 2 years net pay for the average person.

In the end its like they’re so stupid they’re willing to work for a year each just to not have to hold on to a perfectly fine vehicle for a few extra years. Just holding on to that one vehicle one time could have broke the cycle of financing cars for them for life…but apparently having something new right now is more important. Its just nuts this seems to be how the average person operates…not even just a handful of people the rest of us get to look at and laugh. If you live below your means these days and save more than the company 401k match for your retirement you seem to be the minority.

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