What is your net worth?

[seafoam1 2,882]

It's interesting to see all the people who are insecure/defensive about their choices in life. Sorry you personally focked up. 

[seafoam1 2,882]

3 hours ago, WhiteWonder said:

i have no doubt he is financially illiterate and his "living the dream for me" is likely the result of some poor choices earlier in life. his level of stupidity and lack of reading comprehension is well documented.

However, why does his renting mean he has to have any strangers? You are aware you can rent a house? I rent a townhome for example. no strangers above or below me or to my left.  And even if he is in an apartment "complex" or building, the idea of living with a collection of strangers is really no different than anyone living in a standalone house in a suburban neighborhood. It's all neighbors for everyone... and yours likely think you're a moron as well. 

Wow. You are topping stupid. Just amazing your insecurity. 

What a pvssy. 

[Raven Fan 362]

8 hours ago, WhiteWonder said:

i have no doubt he is financially illiterate and his "living the dream for me" is likely the result of some poor choices earlier in life. his level of stupidity and lack of reading comprehension is well documented.

However, why does his renting mean he has to have any strangers? You are aware you can rent a house? I rent a townhome for example. no strangers above or below me or to my left.  And even if he is in an apartment "complex" or building, the idea of living with a collection of strangers is really no different than anyone living in a standalone house in a suburban neighborhood. It's all neighbors for everyone... and yours likely think you're a moron as well. 

Boyo he posted earlier he lived in a complex like some kid who's parents kicked him out of the house.

And tons of people rent for various reasons, but none rent as peafoam says because it's a better long term financial decision than buying.

"You know what, I think I'll pay someone else's mortgage note, taxes, upkeep, and kick in some profit instead of paying those things but I get to keep the equity.  I is a financial genius."

[Ron_Artest 1,276]

1 hour ago, Raven Fan said:

Boyo he posted earlier he lived in a complex like some kid who's parents kicked him out of the house.

And tons of people rent for various reasons, but none rent as peafoam says because it's a better long term financial decision than buying.

"You know what, I think I'll pay someone else's mortgage note, taxes, upkeep, and kick in some profit instead of paying those things but I get to keep the equity.  I is a financial genius."

He thinks the owner of his apartment pays more in taxes than he pays in rent.

[MLCKAA 563]

1 hour ago, Raven Fan said:

Boyo he posted earlier he lived in a complex like some kid who's parents kicked him out of the house.

And tons of people rent for various reasons, but none rent as peafoam says because it's a better long term financial decision than buying.

"You know what, I think I'll pay someone else's mortgage note, taxes, upkeep, and kick in some profit instead of paying those things but I get to keep the equity.  I is a financial genius."

I own, but some people rent because the cost is fixed, there’s no lawn maintenance, no repairs, moving is flexible, less SF for cleaning and upkeep.  There’s SOME defense of renting.

[Raven Fan 362]

7 minutes ago, MLCKAA said:

I own, but some people rent because the cost is fixed, there’s no lawn maintenance, no repairs, moving is flexible, less SF for cleaning and upkeep.  There’s SOME defense of renting.

I am not bagging on renting.  There are lots of good reasons to rent.  But peafaom claims renting is a better long term financial decision than owning.

He's an idiot. 

[seafoam1 2,882]

3 hours ago, Raven Fan said:

I am not bagging on renting.  There are lots of good reasons to rent.  But peafaom claims renting is a better long term financial decision than owning.

He's an idiot. 

You are flat out stupid. Keep hanging on every word of the haters on this site. That should get you far in life pimpledoosh.

 

[seafoam1 2,882]

4 hours ago, MLCKAA said:

I own, but some people rent because the cost is fixed, there’s no lawn maintenance, no repairs, moving is flexible, less SF for cleaning and upkeep.  There’s SOME defense of renting.

Yep. Everyone here keeps saying I'm putting down owning. In the main thread this all started in I said flat out I don't put down ownership if that's your thing. 

Then worms went full attack on me for renting and the rest have been jumping in all over the place. So I played along if that's the route they want to take.

What I do is this lifestyle and it fits my girl friend and I. I just recently resigned from my job after 21 years but before that we both were making excellent income (she still is) with not having had any debt. She's never had debt and I haven't had any since 2003 and that was minor. 

We love our place. The management is superior. They don't allow anyone to rent if they make less that $100k a year, and the maintenance is stellar. Where we live the rent is less than property taxes for many of the homes down the street from us. And equal to the taxes of other homes nearby as well. 

We have  both made over 6 figures each for at least the past 12 years or so, and we choose to put our money in other investments and it's been working out for us. And we aren't stuck in this location if we want to up and go. So far we have moved 3 times in the past 15 years for various reasons, and enjoy not having the weight of buying or selling over our heads if we want to go somewhere else. 

I swear, some of the people on this site reacted in only a way someone would react if they feel embarrassed about themselves and their lifestyles. Very guarded or insecure of something the way they attacked this subject. 

 

[WhiteWonder 2,712]

7 hours ago, Raven Fan said:

Boyo he posted earlier he lived in a complex like some kid who's parents kicked him out of the house.

And tons of people rent for various reasons, but none rent as peafoam says because it's a better long term financial decision than buying.

"You know what, I think I'll pay someone else's mortgage note, taxes, upkeep, and kick in some profit instead of paying those things but I get to keep the equity.  I is a financial genius."

 I don't read every post of every topic like some of you so no clue what his actual situation is aside from being a renter but regardless, my point still remains. Ragging on him for renting because he lives with a bunch of strangers is silly. It's really not much different than having neighbors of any kind. Sure, you're closer together but even homeowners are living amongst strangers and i'm sure you have some neighbors you can't stand. If not, you probably are that neighbor. 

 

5 hours ago, MLCKAA said:

I own, but some people rent because the cost is fixed, there’s no lawn maintenance, no repairs, moving is flexible, less SF for cleaning and upkeep.  There’s SOME defense of renting.

 

A lot of the reasons people give for preferring to rent are honestly pretty bogus. And this is coming from someone who is currently renting after selling. I'm in a good situation because I'm friendly with my landlord and my % increases are minimal. If someone has a truly fixed rent, that's great but generally, "perks" like no landscaping, snow removal, basic upkeep, maintenance if something breaks etc. is all baked into your rent. No taxes... but that's baked into your rent.  Being able to travel is the most comical. Owning a home doesn't stop you from traveling. When I rent or when I own, I give a key to a friend or family member to come take in packages and mail anyway. When I owned, maybe I asked them to run the water if it was winter months, check the central air in summer months, bring my recycling out if I had any... nothing that absolutely has to get done. 

 

 

5 hours ago, Raven Fan said:

I am not bagging on renting.  There are lots of good reasons to rent.  But peafaom claims renting is a better long term financial decision than owning.

He's an idiot. 

 

neither am I, which is why his childish responses are so laughable. He got super defensive and claimed I was taking shots at renting when all I was doing was commenting on how someone's home equity is no different than the rest of their net worth when they die. 

I have seen a few reasons given in this thread and I sort of remember some things he said about it in a different thread a while back and all the given reasons were pretty bad. Some of them even made me question if he actually rents or potentially just lives in his mother's basement.

I already mentioned some of the bogus reasons above. Some others I remember were not having to buy appliances... which also means you are not picking out your own appliances and are at the mercy of your landlord. I think he also mentioned not paying any utilities beyond electricity... again, water and sewer bills, while not big expenses, are baked into your rent and if you rent somewhere that doesn't charge you for heat, that means they control it. He also seemed to think he wasn't paying for his AC but he had an electric bill, lol. 

The main benefit to renting is the ease of moving around if you like a semi nomadic lifestyle. My cousin and her husband only rent and over the last several years have lived in NYC, NJ, SF, NJ again, bumblefock PA, and now Philly. It's still a hassle to break a lease or time a move perfectly or sublet if allowed etc, but it's obviously much easier than constantly buying and selling homes.  And the shift to remote work helps people feel less like they need to "settle down" in many cases.

[The Real timschochet 6,552]

@seafoam1 is probably the last person I want to defend around these parts but on this topic he’s absolutely right- for him. Which is the point. There is no set rule about this stuff. For some people it makes more sense to own; for others it doesn’t. You do what you need to and if you live a happy life more power to you.

I WILL say that, as a general rule, it’s better for society to have a larger percentage of homeowners as it ensures a middle class and social stability. It’s probably been the main key to our prosperity as a nation since World War II, and why we’ve avoided any more Great Depressions since then. So if we want to keep that going we should do our utmost to encourage more home ownership. Thats the main reason I’ve been very much in favor of student debt relief. 

[Horseman 2,438]

From an investment/financial perspective there is no difference between renting and owning. There isnt any argument in dollars and cents so if you find yourself arguing one way or the other as an investment you are showing your ignorance.  

If you rent it counts as an expense. A mortgage is a negative bond. Equity is a real estate investment (money that would be invested elsewhere if you rent)    

The biggest benefit from owning is psychological. 

The biggest benefit from renting is flexibility.  

[seafoam1 2,882]

1 minute ago, Horseman said:

From an investment/financial perspective there is no difference between renting and owning. There isnt any argument in dollars and cents so if you find yourself arguing one way or the other as an investment you are showing your ignorance.  

If you rent it counts as an expense. A mortgage is a negative bond. Equity is a real estate investment (money that would be invested elsewhere if you rent)    

The biggest benefit from owning is psychological. 

The biggest benefit from renting is flexibility.  

Finally, someone who gets it. Hell, if I had to buy a new home every time I moved over the past 30 years, I would have had to buy and sell about 12 homes in that time in 10 different states and Canada. 

[nobody 2,636]

26 minutes ago, seafoam1 said:

Finally, someone who gets it. Hell, if I had to buy a new home every time I moved over the past 30 years, I would have had to buy and sell about 12 homes in that time in 10 different states and Canada. 

I guess when people hate you everywhere you go, you have to move alot.

[Horseman 2,438]

19 minutes ago, seafoam1 said:

Finally, someone who gets it. Hell, if I had to buy a new home every time I moved over the past 30 years, I would have had to buy and sell about 12 homes in that time in 10 different states and Canada. 

Same. Rented for 15 years. Then company advancement and market conditions made it so I could stay in one location as a homeowner for 11 last years. Home is an 800K realestate investment. No rent or mortgage expense, instead property tax and maintenance.  I need to crunch the numbers, but, I'm pretty sure I did well on the property investment because 11 years ago the housing market was way down.  

[seafoam1 2,882]

3 minutes ago, Horseman said:

Same. Rented for 15 years. Then company advancement and market conditions made it so I could stay in one location as a homeowner for 11 last years. Home is an 800K realestate investment. No rent or mortgage expense, instead property tax and maintenance.  I need to crunch the numbers, but, I'm pretty sure I did well on the property investment because 11 years ago the housing market was way down.  

The thing I've been lucky with is over the past 20 years I've been able to live anywhere I wanted because my project locations always changed every couple years. So all I needed was access to an airport. I really enjoyed actually living in various states and areas rather than just visiting. It gave me a view of the country that you can't get from a simple trip. 

[thegeneral 3,084]

Mortgage interest deduction helps subsidize that monthly payment especially in those beginning years.

A bunch of variables to consider and everyone’s mileage may vary but generally speaking long term no brainer to buy if you can get it. 

[Ron_Artest 1,276]

21 minutes ago, Horseman said:

Same. Rented for 15 years. Then company advancement and market conditions made it so I could stay in one location as a homeowner for 11 last years. Home is an 800K realestate investment. No rent or mortgage expense, instead property tax and maintenance.  I need to crunch the numbers, but, I'm pretty sure I did well on the property investment because 11 years ago the housing market was way down.  

You paid 800k cash for a house with no mortgage?

[seafoam1 2,882]

10 minutes ago, Ron_Artest said:

You paid 800k cash for a house with no mortgage?

Is that wrong too now?

[Ron_Artest 1,276]

2 minutes ago, seafoam1 said:

Is that wrong too now?

You made that point

And yes that was a valid point you made.

Put that money in the market while taking advantage of cheap mortgage rates and tax advantages.  Stay liquid.

[seafoam1 2,882]

Just now, Ron_Artest said:

You made that point

And yes that was a valid point you made.

Put that money in the market while taking advantage of cheap mortgage rates and tax advantages.  Stay liquid.

I didn't make that point to apply to everyone. It works for me, but I also said, whatever works for you. 

I have other wants, other goals than some people. I have a different priority list than many others. 

[MLCKAA 563]

5 hours ago, WhiteWonder said:

 I don't read every post of every topic like some of you so no clue what his actual situation is aside from being a renter but regardless, my point still remains. Ragging on him for renting because he lives with a bunch of strangers is silly. It's really not much different than having neighbors of any kind. Sure, you're closer together but even homeowners are living amongst strangers and i'm sure you have some neighbors you can't stand. If not, you probably are that neighbor. 

 

 

A lot of the reasons people give for preferring to rent are honestly pretty bogus. And this is coming from someone who is currently renting after selling. I'm in a good situation because I'm friendly with my landlord and my % increases are minimal. If someone has a truly fixed rent, that's great but generally, "perks" like no landscaping, snow removal, basic upkeep, maintenance if something breaks etc. is all baked into your rent. No taxes... but that's baked into your rent.  Being able to travel is the most comical. Owning a home doesn't stop you from traveling. When I rent or when I own, I give a key to a friend or family member to come take in packages and mail anyway. When I owned, maybe I asked them to run the water if it was winter months, check the central air in summer months, bring my recycling out if I had any... nothing that absolutely has to get done. 

 

 

 

neither am I, which is why his childish responses are so laughable. He got super defensive and claimed I was taking shots at renting when all I was doing was commenting on how someone's home equity is no different than the rest of their net worth when they die. 

I have seen a few reasons given in this thread and I sort of remember some things he said about it in a different thread a while back and all the given reasons were pretty bad. Some of them even made me question if he actually rents or potentially just lives in his mother's basement.

I already mentioned some of the bogus reasons above. Some others I remember were not having to buy appliances... which also means you are not picking out your own appliances and are at the mercy of your landlord. I think he also mentioned not paying any utilities beyond electricity... again, water and sewer bills, while not big expenses, are baked into your rent and if you rent somewhere that doesn't charge you for heat, that means they control it. He also seemed to think he wasn't paying for his AC but he had an electric bill, lol. 

The main benefit to renting is the ease of moving around if you like a semi nomadic lifestyle. My cousin and her husband only rent and over the last several years have lived in NYC, NJ, SF, NJ again, bumblefock PA, and now Philly. It's still a hassle to break a lease or time a move perfectly or sublet if allowed etc, but it's obviously much easier than constantly buying and selling homes.  And the shift to remote work helps people feel less like they need to "settle down" in many cases.

What I meant by fixed is that’s you know the cost for the term of the lease 

[Horseman 2,438]

5 hours ago, Ron_Artest said:

You paid 800k cash for a house with no mortgage?

Is English a second language for you? Nobody said that. 

[Ron_Artest 1,276]

7 hours ago, Horseman said:

 No rent or mortgage expense

[Horseman 2,438]

3 hours ago, Ron_Artest said:

The investment wasnt worth anywhere close to 800k eleven years ago dumbass.  You think its dumb owning property, having REIT in your portfolio? Stop embarrassing yourself.  Read this post again and try to absorb its meaning. 

11 hours ago, Horseman said:

From an investment/financial perspective there is no difference between renting and owning. There isnt any argument in dollars and cents so if you find yourself arguing one way or the other as an investment you are showing your ignorance.  

If you rent it counts as an expense. A mortgage is a negative bond. Equity is a real estate investment (money that would be invested elsewhere if you rent)    

The biggest benefit from owning is psychological. 

The biggest benefit from renting is flexibility.  

Your ignorance is on display.  

[Raven Fan 362]

15 hours ago, Horseman said:

From an investment/financial perspective there is no difference between renting and owning. There isnt any argument in dollars and cents so if you find yourself arguing one way or the other as an investment you are showing your ignorance.  

If you rent it counts as an expense. A mortgage is a negative bond. Equity is a real estate investment (money that would be invested elsewhere if you rent)    

The biggest benefit from owning is psychological. 

The biggest benefit from renting is flexibility.  

This may be dumbest thing you've posted out of a litany of dumb things.  No difference between renting and owning from an investment perspective?

Gee, let's see.  When you rent, you're paying for shelter and have zero assets to tag to the use of this capital.  When you own, you're paying for shelter but have a bigly asset to tag to the use of this capital.  And that's before the tax and other financial benefits you get from owning vs renting.

The bolded is perhaps the second dumbest thing you've posted in your long history of dumb posting.  A mortgage note and monthly rent are roughly the same dollar amount, there's no excess money to invest elsewhere.  Anther key difference is your mortgage note is likely fixed for a set period while your rent increases YOY and will likely double every 10 - 15 years.  Unless someone is financially naïve enough to pay off their 3% mortgage early or pay cash rather than taking that money and investing it.  That ol' leverage concept you clearly don't understand. 

No wonder you have to steal a $7 stream you're so poor.

Stop posting in this thread before the moron cultist here actually might take what what you post seriously.

You're an idiot to go along with being an insecure, beta bottom.

LMFAO

[seafoam1 2,882]

41 minutes ago, Raven Fan said:

This may be dumbest thing you've posted out of a litany of dumb things.  No difference between renting and owning from an investment perspective?

Gee, let's see.  When you rent, you're paying for shelter and have zero assets to tag to the use of this capital.  When you own, you're paying for shelter but have a bigly asset to tag to the use of this capital.  And that's before the tax and other financial benefits you get from owning vs renting.

The bolded is perhaps the second dumbest thing you've posted in your long history of dumb posting.  A mortgage note and monthly rent are roughly the same dollar amount, there's no excess money to invest elsewhere.  Anther key difference is your mortgage note is likely fixed for a set period while your rent increases YOY and will likely double every 10 - 15 years.  Unless someone is financially naïve enough to pay off their 3% mortgage early or pay cash rather than taking that money and investing it.  That ol' leverage concept you clearly don't understand. 

No wonder you have to steal a $7 stream you're so poor.

Stop posting in this thread before the moron cultist here actually might take what what you post seriously.

You're an idiot to go along with being .an insecure, beta bottom.

LMFAO

This may be dumbest thing you've posted out of a litany of dumb things.

No wonder why you are broke. 

[Raven Fan 362]

45 minutes ago, seafoam1 said:

This may be dumbest thing you've posted out of a litany of dumb things.

No wonder why you are broke. 

Rent's due in 10 days boyo.  Better pay up on time before your landlord (lmfao) kicks you out on you as*.

Surely renting is the best way to build wealth in this country...LMFAO

[seafoam1 2,882]

2 minutes ago, Raven Fan said:

Rent's due in 10 days boyo.  Better pay up on time before your landlord (lmfao) kicks you out on you as*.

Surely renting is the best way to build wealth in this country...LMFAO

Ok. Pimpledoosh. Keep trying to cover up for your mistakes in life. 

It's nice to be sitting up here looking down on your failing little dumbass self.  Ohhh...the small minded....

[Raven Fan 362]

Just now, seafoam1 said:

Ok. Pimpledoosh. Keep trying to cover up for your mistakes in life. 

It's nice to be sitting up here looking down on your failing little dumbass self.  Ohhh...the small minded....

Sitting up there in a RENTED apartment.  I'm sitting in a house I OWN boyo.

When you're retired what do you think would be better, paying ever increasing rent each year or paying ZERO mortgage in your paid off asset with hundreds of thousands of dollars?

How about this genius, I could sell my modest rancher and the proceeds would allow me to rent a baller apartment, versus your hovel, for the next 10+ years.

It's obvious from your political leanings that you're not bright and your having ZERO equity built up as you near retirement confirms it.

Love this for you boyo. 

[seafoam1 2,882]

4 hours ago, Raven Fan said:

Sitting up there in a RENTED apartment.  I'm sitting in a house I OWN boyo.

When you're retired what do you think would be better, paying ever increasing rent each year or paying ZERO mortgage in your paid off asset with hundreds of thousands of dollars?

How about this genius, I could sell my modest rancher and the proceeds would allow me to rent a baller apartment, versus your hovel, for the next 10+ years.

It's obvious from your political leanings that you're not bright and your having ZERO equity built up as you near retirement confirms it.

Love this for you boyo. 

Well, at least you pretend well. Good for you peanut.

[Horseman 2,438]

7 hours ago, Raven Fan said:

This may be dumbest thing you've posted out of a litany of dumb things.  No difference between renting and owning from an investment perspective?

Most economists and our CFAs disagree with you. But of course you're not even a CPA You're not even qualified to do my taxes. 

[Horseman 2,438]

7 hours ago, Raven Fan said:

No wonder you have to steal a $7 stream you're so poor.

My Rolex disagrees with you.

[Ron_Artest 1,276]

3 minutes ago, Horseman said:

My Rolex disagrees with you.

Typical d00shbag

The fact that you own a Rolex means you only care about outward appearances of wealth.  The fact that you brag about a Rolex on an anon message board shows you're insecure . The fact that you illegally stream TV and Movies when you can clearly afford it shows that you're a butt hole

[IGotWorms 4,057]

On 1/16/2024 at 8:53 AM, Horseman said:

As I move towards retirement I'm moving out of individual stocks and into very low cost mutual funds and ETFs.  In my main retirement account I am using a mix of Fidelity's ZERO cost funds along with some others that are very low cost.  If you use Portfolio Visualizer you can see that FSKAX (Fidelity ZERO cost total market mutual fund) and VTI (Vanguard Total Market ETF) are the exact same thing, for example,  so it doesn't really matter which one you use. And you can buy and sell between the two for tax harvesting.  I like mutual funds in retirement accounts though because you're always buying them at the NAV price.  I like ETFs in taxed accounts because they can use rules that allow them to reinvest dividend and such without being taxed.

My company pays for a financial advisor who I trust that I vet all my changes through.  He uses some sort of software to do cash flow analysis, but, I don't really use any software for picking the funds. Morningstar if it's something I've never heard of.  Almost all of these funds I am taking about target some sort of index fund. That makes them virtually all the same anyway, see portfolio visualizer.  But, they are efficient and low cost.

For example:

Big Cap - VV

Sm Cap - VBR

Micro - IWC

International - VXUS

Reit - VNQ

Bond - BND

High Y Bond - USHY

Where VV = FNILX, VBR = FZIPX, etc. If you went with mutual funds.

OR just go simple:

VTI - FSKAX

VXUS - FZILX

BND - FXNAX

Note: Bonds aren't so great in taxable accounts because, well taxes.  In my next meeting with my financial advisor we are going dive into tax efficient municipal bonds versus yield on corporate bonds that are subject to higher taxes and where that break point is.  Right now I'm just using VTEB and VTES.  

You’re way over complicating it.

Put X percentage (depending on how close you are to retirement) in a low cost s&p 500 index fund

Put the rest in a low cost total bond market fund.

Done, over.

It’s only if you truly have a sh1t ton of money invested in the market (like over $3-5 million) that you need/want to branch out to REITs, emerging markets, etc. 

[IGotWorms 4,057]

On 1/18/2024 at 1:16 PM, seafoam1 said:

A person needs shelter for life. You have to pay for it in one way or another. 

If you die while owning your home, that net worth goes unrealized for you personally. 

Look you’ve made a really stupid decision being a renter for your entire adult life. I’m sorry you did that. But the answer is not to double down and encourage others to make the same mistake

[Raven Fan 362]

19 minutes ago, Horseman said:

Most economists and our CFAs disagree with you. But of course you're not even a CPA You're not even qualified to do my taxes. 

LOLOLOLOLOLOLOL

No wonder you have to steal $7 streams you bottom loving, insecure beta.

Let's do the math shall we?  I'll make the example ultra simple since you're a simpleton.

Scenario 1:  $2k rent per year for 30 years = $2k x 360 = $720k - Asset worth at end of 30 years = ZIPPY

Scenario 2:  $2k mortgage per year for 30 years on $300k house = $2k x 360 = $720k - Asset worth at end of 30 years = > $300k

We'll call the tax benefits, rent increasing YOY, and home repairs a wash over the 30 years (LOL)

Which use of the $720k seems like the better option to you moron?

"hur dur da rent when me get nuffin be equal to do mortgage where me get da house value"

Idiot

 

[Raven Fan 362]

25 minutes ago, Horseman said:

My Rolex disagrees with you.

You have to steal a $7 stream and ran away from a $500 bet = FACTS

You having a rolex = more larping from the king insecure, beta, confirmed bottom of this forum.

Holy chit you're a gluten for punishement...actually I hear that's common with dudes who swing your way...

Love this for you boyo.

LMFAO

[seafoam1 2,882]

Just now, IGotWorms said:

Look you’ve made a really stupid decision being a renter for your entire adult life. I’m sorry you did that. But the answer is not to double down and encourage others to make the same mistake

And yet my net worth is higher than yours. I feel bad for you.

Now do the math on how if you have $1M in the bank and you buy a $700,000 house tomorrow, your net worth will then be $40M. 

That's an interesting theory you have. 

[Raven Fan 362]

24 minutes ago, Ron_Artest said:

Typical d00shbag

The fact that you own a Rolex means you only care about outward appearances of wealth.  The fact that you brag about a Rolex on an anon message board shows you're insecure . The fact that you illegally stream TV and Movies when you can clearly afford it shows that you're a butt hole

He has to steal a $7 steam and ran away from a $500 bet = FACTS

Rolex?

Ah hahahahahahahahaha

[Raven Fan 362]

1 minute ago, seafoam1 said:

And yet my net worth is higher than yours. I feel bad for you.

Now do the math on how if you have $1M in the bank and you buy a $700,000 house tomorrow, your net worth will then be $40M. 

That's an interesting theory you have. 

Dude just stop.  Renting is a terrible financial decision to make if you have other options.  You're paying someone else's bills plus profit and you get ZERO at the end of your time there.

Man you stupid.