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29 points

People need to stop “pretending” they can afford all this shit, it’s not needed and noone cares, who are people showing off too?

New iphone? Don’t need it

Maybe if we stop buying shit these companies will actually try

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11 points

They’ll just cut you off from your subscription if you don’t buy buy buy.

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1 point

That’s all the 80 month car loans are at this point.

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-26 points
*

I bought a boat last year and now I want a bigger one. I’ve got lots of disposable income because I don’t live beyond my means. Lots of people carry credit card debt and spend stupidly. Don’t do that and you’ll likely be ahead of most people.

The boats are around 2k. Not huge rich guy money.

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21 points

The cost of a boat is primarily in upkeep, not price. You’ll see.

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-13 points

You say primarily. Only really on the long term. It’s mid 20 foot sail boats. I can learn to do fiberglass/painting, etc myself. Paying tradesmen is where the cost is.

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9 points

I bought a boat last year and now I want a bigger one…I don’t live beyond my means…spend stupidly…

🤯🤯🤯

Homie. You just bought the largest money sink there is. You can drop 20k into your 2k boat and when you turn around and sell it you’ll get your 2k back, that’s it, maybe. All the amenities are nice, but no one cares if the all the outlets match the drapes - that’s why buying either is stupid, financially.

Fences are another good example. They can cost tens of thousands…EASY. In fact if I heard a neighbor fenced even one side of their yard for under 5k id be in shock. They make a place more livable, more comfortable. They increase the likelihood of a sale but they don’t increase property value so you’re never getting a return on that money.

Be it fences, boats, outlet covers or drapes, those are all emotional purchases. Their value is subjective, so most find when it’s time to move on from them theyre the only ones who see that value.

Like go spend 5k on a couch. How much you think your gonna get for that? Or your mattress?

Better live on your next boat if you like life on the water. It’s literally the only way I’ve ever seen anyone who works for a paycheck hold onto a boat. A real boat. The kind that you have to moar and drydock once every few years. Only way.

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3 points

Dude not everything has to turn a profit, people are familiar with depreciating assets, they are allowed enjoy things though.

Honestly I thought fences was a euphemism because there’s no way you think people invest in fences for financial reasons. It’s for aesthetics and privacy.

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-3 points

It’s a hobby. I’m doing a proper checking to make sure everything is sound and not putting money in for it to look pretty, just to sail around and camp on the water on the weekend. Like I said I’m far from broke.

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