Demon

retweeting like it’s a full-time job

[𝓔𝓾 ✍️ | Fã Conta @Eu_simplesment]

Acho que a Marvel já entrou em contato com ele. Kkkkkkkkkkkk

[Kassiee @Kassiewontmiss]

Daario Naharis Stepped Forward As Daenerys's Champion And Gets Her Honour Back

[Demon @NrOneDemon]

@Kassiewontmiss

[Demon @NrOneDemon]

@Kassiewontmiss

[Demon @NrOneDemon]

@Kassiewontmiss What is this violence😳😳😳

[Kassiee @Kassiewontmiss]

Mike approach was ruthless for some people but I think it's perfect

[Leon @TrpstrLeonOG]

My coworker’s dad bought his first house in 1994.

$128,000.

He made $42,000 a year.

Last month that exact house sold for $612,000.

Same kitchen layout.

Same tiny backyard.

Same 3 bedrooms.

My coworker makes $78,000 now, which sounds pretty decent until you realize the bank wants $122,000 down and the mortgage would be around $3,500 a month.

His dad keeps telling him:

“You just have to get on the property ladder.”

Brother.

You bought the ladder for $128,000.

Now they’re charging us $612,000 for the same ladder with new countertops.

[Leon @TrpstrLeonOG]

My aunt retired at 58.

She worked an office job for 31 years.

Her house is paid off.

She has a pension.

Her property taxes are $4,200 a year.

She asked my 29-year-old cousin why he hasn’t “started building a life yet.”

He makes $84,000.

More than she ever made in a year.

His rent is $2,150 a month.

The starter homes near his job are around $510,000.

At 7% interest, with 10% down, he’d be looking at roughly $3,600 a month after mortgage, taxes and insurance.

She stared at that number for a few seconds.

Then said:

“Well, we had high interest rates too.”

Her first house cost $79,500.

Sometimes I think two generations are using the same words — house, salary, middle class, retirement —

but talking about completely different planets.

[Leon @TrpstrLeonOG]

MY MOM: Why are you still renting?

ME: Because the apartment is $1,850 a month.

MOM: That’s exactly why you should buy.

ME: The starter home I looked at is $465,000.

MOM: We bought our first place when we were 25.

ME: How much?

MOM: $74,500.

ME: What was Dad making?

MOM: Around $31,000.

ME: So the house cost 2.4x his salary.

MOM: I guess.

ME: Mine would cost 6.6x mine.

MOM: Well, interest rates were high back then.

ME: Your mortgage was $620 a month.

Silence.

Apparently the financial advice is still from 1987.

The prices just aren’t.

[Leon @TrpstrLeonOG]

A guy at my gym makes $4,320 a month after taxes.

Not poor.

Not rich.

Just supposedly “doing fine.”

Rent: $1,740
Car + insurance: $610
Health insurance: $385
Groceries: $520
Utilities + internet: $240
Gas: $190
Phone: $78
Student loan: $310
That leaves $247.
Before clothes.
Before a dentist.
Before a birthday gift.
Before anything breaks.
Then someone tells him he should save 20% of his income.
That would be $864 a month.

He has $247.

I checked the math twice because I genuinely thought I missed something.

Nope.

Apparently the missing $617 is supposed to come from “better budgeting.”

[Leon @TrpstrLeonOG]

CAN SOMEONE EXPLAIN THIS TO ME.

My friend pays $487 a month for health insurance.

That’s $5,844 a year.

He needed an MRI after hurting his shoulder.

Insurance-approved facility.

Insurance-approved doctor.

Everything “in network.”

The bill was $2,940.

Insurance negotiated it down to $1,860.

His deductible?

$2,500.

So he paid the $1,860.

Meaning he’ll spend at least $7,704 this year between premiums and that one scan before insurance meaningfully does anything.

He asked the billing office what the uninsured cash price was.

$1,100.

So somehow having insurance made the MRI $760 more expensive for him.

Very cool.

What exactly are we insuring against again?

[Leon @TrpstrLeonOG]

CAN SOMEONE EXPLAIN HOW THIS IS A “STARTER HOME.”

A guy I know makes $86,000 a year.

Good job.

No kids.

No credit card debt.

He found a 2-bedroom house listed for $419,000.

Nothing fancy.

1,080 square feet.

Built in 1978.

He put the numbers into a mortgage calculator.

$41,900 down.

About $3,050 a month after mortgage, taxes, insurance and HOA.

His current rent?

$1,790.

So to “stop throwing money away on rent,” he needs $42,000 in cash and another $1,260 every single month.

For a house with a bathroom that still has pink tiles from 1978.

Apparently owning the pink tiles is financial freedom.

[Leon @TrpstrLeonOG]

My dad asked why I order less food when we go out now.

DAD: You barely ate.

ME: That burger was $18.

DAD: So?

ME: Fries were another $6.

DAD: Okay?

ME: Coke was $4.50.

DAD: That’s restaurants.

ME: Then they added $2.85 in fees.

DAD: What fees?

ME: Excellent question.

Then tax.

Then the screen asked for 20%, 25% or 30%.

One burger.

One fries.

One Coke.

$37.64 before tip.

My dad stared at the receipt for about ten seconds.

Then said:

“Maybe we should’ve just cooked.”

Congratulations.

We have rediscovered eating at home as a luxury-saving strategy.

[Leon @TrpstrLeonOG]

My friend got his first “real adult job.”

$72,000 salary.

His parents were thrilled.

Then he showed me his monthly numbers.

Take-home pay: $4,390

Rent: $1,890
Car payment: $510
Car insurance: $182
Health insurance: $310
Groceries: $480
Utilities: $225
Gas: $160
Student loans: $375
Phone: $79
Internet: $65
Left over:
$114.
That’s before clothes.
Before going out.
Before saving for a house.
Before his car needs tires.
Before literally anything happens.
He makes $72,000 and has $114 of breathing room.
Then every finance video says:

“Your 20s are the best years for compound interest.”

Compound what.

[Leon @TrpstrLeonOG]

Good Morning gng 🫨

[Leon @TrpstrLeonOG]

My cousin found an incredible way to get a 12% raise without asking his boss.

He canceled stuff.

Netflix: $23
Gym: $49
Spotify: $12
Cloud storage: $10
Meal subscription: $72
Two delivery memberships: $19
Then he switched phone plans and saved another $31.
Total savings:
$216 a month.
$2,592 a year.
Amazing.

Except his rent went up $175 a month at renewal.

Car insurance went up $38.

So after canceling six services, changing his phone plan and giving up basically every small convenience he had…

He saved $3 a month.

The economy really said:

Great budgeting.

We’ll take it from here.

[Leon @TrpstrLeonOG]

My manager asked why younger employees keep leaving.

MANAGER: “We pay $23 an hour. That’s pretty good.”

ME: “Your average one-bedroom here is $1,720.”

MANAGER: “Okay?”

ME: “$23 an hour is about $3,987 a month before taxes.”

MANAGER: “Right.”

ME: “After taxes, call it $3,250.”

MANAGER: “Still decent.”

ME: “Rent is $1,720. Car payment $410. Insurance $190. Groceries $430. Utilities $180. Phone $70.”

MANAGER: “They could probably budget better.”

ME: “That leaves $250 before gas, healthcare, clothes, repairs or saving anything.”

Silence.

Then he said:

“Well, nobody stays at one company anymore.”

Yeah.

Huge mystery.

Someone call a research team.

[Demon @NrOneDemon]

@TrpstrLeonOG They will be in Denial too

[Leon @TrpstrLeonOG]

Found an incredible financial hack.

My sister was quoted $16,400 per semester for college.

That’s $32,800 a year.

So instead of spending four years getting a degree for roughly $131,200 before interest, I suggested something smarter.

Simply take the $131,200 you apparently already have lying around.

Invest it.

Live at home.

Teach yourself everything online.

Then apply for the job.

Minor problem:

The job posting requires the $131,200 piece of paper.

Starting salary?

$52,000.

Even better, the company says 3 years of experience is “preferred.”

For the entry-level position.

So the strategy is simple:

Be wealthy at 18.

Already have experience before getting your first job.

And make responsible financial decisions with the money you don’t have.

Why did nobody explain adulthood this clearly?

[Leon @TrpstrLeonOG]

CAN SOMEONE EXPLAIN THIS TO ME.

A guy at my gym pays $612 a month for health insurance for himself and his wife.

That’s $7,344 a year.

Last month his wife needed an MRI.

The bill was $2,180.

Insurance “negotiated” it down to $1,460.

Their deductible is $4,000.

So they paid the full $1,460.

He literally looked at me and said:

“So what exactly did the $7,344 buy?”

And I had no answer.

Because apparently you pay thousands every year for the privilege of paying thousands more when you actually need healthcare.

He’s healthy.

She’s healthy.

They barely use it.

$8,804 out of pocket this year between premiums and one MRI.

But thank God the original MRI price was $720 higher.

What a bargain.