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Jul 7 2018 07:52pm
Quote (Plaguefear @ Jul 7 2018 08:51pm)
Boomers inflated housing market.


i propose we eat the boomers :o
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Jul 7 2018 07:53pm
Quote (SBD @ Jul 7 2018 05:42pm)
Dosent matter. Even if you spent 4 bucks a day on coffee every single day of the month that's 120 bucks less what you would spend on coffee, filters and the purchase of the coffee machine..

It's negligible. 100 bucks a month, that's dirt. I drop 150 a week on groceries alone, for one person.


100 filters = $5.80, https://www.amazon.com/Coffee-Filters-12-Cup-Size-Package/dp/B004E2PUMS

coffee machine = $20 (can get used for $16) https://www.amazon.com/gp/product/B005MLB2S6/ref=s9_acsd_top_hd_bw_b1DNJ_cr_x__w?pf_rd_m=ATVPDKIKX0DER&pf_rd_s=merchandised-search-4&pf_rd_r=JAF66HW1HXPQVY1D8156&pf_rd_t=101&pf_rd_p=bbe4da7a-8ca9-52c6-bc64-08ccc3a66072&pf_rd_i=289745

240 cups of coffee for $11.57, https://www.amazon.com/dp/B010ULG4C6/ref=sxbs_sxwds-stvpv2_1_s_it?pf_rd_m=ATVPDKIKX0DER&pf_rd_p=3233965245922079678&pd_rd_wg=bKYha&pf_rd_r=8AVZCMEN0NRHMPQW768T&pf_rd_s=desktop-sx-bottom-slot&pf_rd_t=301&pd_rd_i=B010ULG4C6&pd_rd_w=p6ztk&pf_rd_i=coffee&pd_rd_r=2b351b3e-5190-43ea-aee5-69122cd50643&ie=UTF8&qid=1531014675&sr=1

total: $37.37 + 5.80 for another 100 filters, less than $45

not negligible at all imo, big difference there
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Jul 7 2018 07:55pm
Quote (JohnMiller92 @ Jul 7 2018 09:53pm)


What are you talking about. I reduced it to 100 a month vs 120 and im saying 100 a month is negligible as in its fuck all... Make it one $110 a month comparison if you want to drink shit maxwells house at home. 100, 110, 120 , its all negligible in regards to needed savings.


There's some great literature around this topic. Its based around saving pennies vs dollars. Pennies being the daily coffee you purchase but you don't build up this urge to spend and spend it recklessly on something that costs dollars like an unneeded vehicle.

This post was edited by SBD on Jul 7 2018 07:58pm
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Jul 7 2018 07:58pm
Quote (SBD @ Jul 7 2018 09:42pm)
Dosent matter. Even if you spent 4 bucks a day on coffee every single day of the month that's 120 bucks less what you would spend on coffee, filters and the purchase of the coffee machine..

It's negligible. 100 bucks a month, that's dirt. I drop 150 a week on groceries alone, for one person.




It's not just about coffee. It's about the lifestyle.

You need to add in... the avocado toast, the smart phones and plans, the internet and TV, and a thousand other little things.

Back in the day everything was the same just in a different price bracket to match the salaries. You want a nice home, 90% of people will have to give up a lot of things to get it.
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Jul 7 2018 08:00pm
Quote (Ghot @ Jul 8 2018 12:58pm)
It's not just about coffee. It's about the lifestyle.

You need to add in... the avocado toast, the smart phones and plans, the internet and TV, and a thousand other little things.

Back in the day everything was the same just in a different price bracket to match the salaries. You want a nice home, 90% of people will have to give up a lot of things to get it.


And factor in that your generation inflated housing prices by 1700%
And no the salaries do not match that inflation.

This post was edited by Plaguefear on Jul 7 2018 08:02pm
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Jul 7 2018 08:01pm
Quote (SBD @ Jul 7 2018 05:55pm)
What are you talking about. I reduced it to 100 a month vs 120 and im saying 100 a month is negligible as in its fuck all... Make it one $110 a month comparison if you want to drink shit maxwells house at home. 100, 110, 120 , its all negligible in regards to needed savings.


There's some great literature around this topic. Its based around saving pennies vs dollars. Pennies being the daily coffee you purchase but you don't build up this urge to spend and spend it recklessly on something that costs dollars like an unneeded vehicle.


Yeah, I'm just saying it can be reduced to far less than $100/m (which kinda means its not negligible, that's a good amount of $ that person is saving). Ofcourse this depends on the person and their frugality, but yeah I see what u are saying
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Jul 7 2018 08:02pm
Quote (Ghot @ Jul 7 2018 09:58pm)
It's not just about coffee. It's about the lifestyle.

You need to add in... the avocado toast, the smart phones and plans, the internet and TV, and a thousand other little things.

Back in the day everything was the same just in a different price bracket to match the salaries. You want a nice home, 90% of people will have to give up a lot of things to get it.


No. The price of reckless spending is not exceeding the massive appreciation of real estate. It does not boil down to putting your pennies away.

Wages have no where near increased at the rapid rate of housing in non rural areas. Rural areas have remained in a good spot but offer no career advancement for young people or careers at all for that matter.
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Jul 7 2018 08:03pm
Quote (JohnMiller92 @ Jul 7 2018 10:01pm)
Yeah, I'm just saying it can be reduced to far less than $100/m (which kinda means its not negligible, that's a good amount of $ that person is saving). Ofcourse this depends on the person and their frugality, but yeah I see what u are saying


You still dont understand what I am saying. I am saying that you will spend 100 a month more than if you made it at home yourself. As in if it costs you 120 per month less what yo would have spent if you made it at home yourself, thus your spending an extra 100, which to me is nothing.

This post was edited by SBD on Jul 7 2018 08:03pm
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Jul 7 2018 08:04pm
Ghot you say you taught math..
In 1970 a house took 8 years to buy.
In 2018 a house takes 30 years to buy.
Do the math.
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Jul 7 2018 08:11pm
Quote (Plaguefear @ Jul 7 2018 06:51pm)
Boomers inflated housing market.


You sound like a simple minded person saying something like this. There's tons of reasons why house prices have gone up. Boomers are responsible in some way but to just say "boomers inflated house prices" sounds dumb af.

Some actual reasons house prices have inflated:

-The inflation rate
-Not enough houses are being built fast enough to make up for the demand (population growth is exceeding new homes being built)
-The price of natural resources like lumber, copper, aluminum have gone up a lot
-Foreign investment, meaning rich people in China buy real estate as a form of investment in places like Vancouver, Sydney, Toronto, etc.

There's a ton more. If you want to say boomers inflated house prices at least give an explanation otherwise you sound stupid.

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