More drivers falling behind on their car payments

natch johnson said:
Diego said:
Should've never been asked.
That's one of those questions you just shouldn't ask people. It's rude.
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The hell are you guys talking about? My best friend of 10 years TOLD ME his salary. And I TOLD HIM he's an idiot for using most of his disposable income on a whip. I'm getting too old for NT, the glory days of adults posting in these threads are long gone.
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And this is why you shouldnt tell people how much you make. People love to spend or tell people how they should spend their money. The world would be a better place if we all minded our own damn business
 
i didnt know this was common

ive never asked anyone i know personally how much they make.........................not even the ones who i know money isnt legit lol

maybe its different in the tri state area, but that is rude to me.
 
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When people don't wanna swallow their pride and cop a new civic they can afford, instead they gotta get the new Audi
 
natch johnson said:
Diego said:
Should've never been asked.
That's one of those questions you just shouldn't ask people. It's rude.
Click to expand...

The hell are you guys talking about? My best friend of 10 years TOLD ME his salary. And I TOLD HIM he's an idiot for using most of his disposable income on a whip. I'm getting too old for NT, the glory days of adults posting in these threads are long gone.
Click to expand...

Don't see how I'm not having an adult map conversation here. It's cool that your friend told you...don't make a difference to me.
All I saying is that generally speaking, asking someone how much ghey make is not wassup.
 
Friends shouldn't know. Coworkers should know. You should really tell a coworker you trust what you make and vice versa to see if you both are being compensated similarly, and if one person needs to vy for a raise.
 
natch johnson said:
The hell are you guys talking about? My best friend of 10 years TOLD ME his salary. And I TOLD HIM he's an idiot for using most of his disposable income on a whip. I'm getting too old for NT, the glory days of adults posting in these threads are long gone.
Click to expand...

You don't see the irony here?
 
crcballer55 said:
The writing's been on the wall for a while now. There was an article a while ago that Milleniels are buying more luxury cars while also carrying increased amounts of student and consumer debt. At some point, our generation will learn one way or another. Unfortunately for now we aren't learning that the best way to build wealth and financial security is to be debt free and live within your means.
Click to expand...



Real wages have flat lined for the past four decades and the cost of college has exploded. These are systemic, institutional and macro issues. Until those issues are addressed, folks born after 1980 or so will generally have a lower standard of living than their parents.

When a society is failing, conservatives always heap blame on those with the least amount of money and power. I see the problem with the wealthy and the powerful.

People who are in their late teens and early 20's will always be overly optimistic about their own future earning capacity, they will always borrow too much if they are allowed to do so. The adults who run the colleges need to keep costs under control. The adults who pay taxes need to fully fund public Universities. The financiers, whose job is to evaluate credit worthiness and ration credit, need to stop making loans that they know will default (and they need to be prosecuted if they knowingly short against that very same category of debt).

Conservatives love to talk about "takers" and a shortage of virtue and a lack of impulse control among the poor. They are half right, our country is getting harmed by impatient and venal and parasitic malefactors but they are looking at the wrong end of the socioeconomic ladder.
 
millenial said:
Whats the big deal of your friends knowing how much you make?  Is it that you think you make less and are embarrassed or you make more and worried they'll ask you for a loan?
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You really don't see why people don't want their friends knowing how much they make?
 
Diego said:
Don't see how I'm not having an adult map conversation here. It's cool that your friend told you...don't make a difference to me.
All I saying is that generally speaking, asking someone how much ghey make is not wassup.
Click to expand...

true

old boy spazzin because his bromance is on a different level :rolleyes

i got a close friend 10 years deep an i don tknow how much he make an we talk about life all the time
 
Diego said:
Should've never been asked.
That's one of those questions you just shouldn't ask people. It's rude.
Click to expand...


Al Audi said:
i didnt know this was common

ive never asked anyone i know personally how much they make.........................not even the ones who i know money isnt legit lol

maybe its different in the tri state area, but that is rude to me.
Click to expand...

I thought I was the only one.

NTers made it seem like it was acceptable to ask people they didn't know or people they knew how much they made.

I was always taught that was rude.

Same with axing how much you have in the bank, etc.
 
AZwildcats said:
You really don't see why people don't want their friends knowing how much they make?
Click to expand...
Yeah that's why I asked, I really don't see what the problem is if it isn't either feeling embarrassed you make less or worried about being asked for a loan because you make more
 
nah being serious

we all know our friends business but really why should you care about their income?

its not about embarrassment and ive never went to a friend for a loan or been asked for one.........................................i wouldnt give loan to a friend or ask for one


we need more ppl to enter this thread lol wtf..................
 
Rexanglorum said:
 
crcballer55 said:
The writing's been on the wall for a while now. There was an article a while ago that Milleniels are buying more luxury cars while also carrying increased amounts of student and consumer debt. At some point, our generation will learn one way or another. Unfortunately for now we aren't learning that the best way to build wealth and financial security is to be debt free and live within your means.
Click to expand...


Real wages have flat lined for the past four decades and the cost of college has exploded. These are systemic, institutional and macro issues. Until those issues are addressed, folks born after 1980 or so will generally have a lower standard of living than their parents.

When a society is failing, conservatives always heap blame on those with the least amount of money and power. I see the problem with the wealthy and the powerful.

People who are in their late teens and early 20's will always be overly optimistic about their own future earning capacity, they will always borrow too much if they are allowed to do so. The adults who run the colleges need to keep costs under control. The adults who pay taxes need to fully fund public Universities. The financiers, whose job is to evaluate credit worthiness and ration credit, need to stop making loans that they know will default (and they need to be prosecuted if they knowingly short against that very same category of debt).

Conservatives love to talk about "takers" and a shortage of virtue and a lack of impulse control among the poor. They are half right, our country is getting harmed by impatient and venal and parasitic malefactors but they are looking at the wrong end of the socioeconomic ladder.
Click to expand...
I'm not even talking about "standard of living". Almost anyone can afford some kind of transportation. It doesn't have to be new and it doesn't have to be luxury. Most of the big ticket purchases our parents had to save up for are dirt cheap now (i.e. tv, stereo system, furniture, etc) and home sizes have skyrocketed over the past 5 decades, so yes, home prices may be more expensive but adjusted for inflation and given the historically low interest rates a monthly payment is actually lower than it was 30 years ago. We could have an equally good standard of living as they had without trying if we wanted to if we learned to be content with what we have. The problem is that the human condition makes us want to keep up with the Jonses yet we don't know what's actually lying underneath the surface is that 65% of US households are living paycheck-to-paycheck and not saving a dime. We are bombarded with thousands of ads each day, each yelling at us that we will be happier if we buy that company's product

The reason is that most people think they can "afford it" because they can make the monthly payment. What the last financial crisis showed many people is that yes, they can afford the payment now but once things get bad there isn't anything to fall back on except to extend a line of credit if it's there. (which is the worst time to borrow more money).
 
natch johnson said:
Diego said:
Should've never been asked.
That's one of those questions you just shouldn't ask people. It's rude.
Click to expand...

The hell are you guys talking about? My best friend of 10 years TOLD ME his salary. And I TOLD HIM he's an idiot for using most of his disposable income on a whip. I'm getting too old for NT, the glory days of adults posting in these threads are long gone.
Click to expand...
Yea dudes sound silly, I mean if my best friend ask I wouldn't have a problem telling him. He tells me all the time how much his salary is. It doesn't effect me in any way. He know my household is over 180k but Who the hell cares. He don't pay my bills and I don't pay his. Not like he's a coworker. He don't count my money and I don't count his.
 
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is there a way to short the auto loan market like they did with the housing market in the big short? lol.
 
mynameaintG said:
is there a way to short the auto loan market like they did with the housing market in the big short? lol.
Click to expand...
Not unless they've securitized the loans, which I'm not aware they have. The finance department is where almost all of the profit comes from in the auto market. Most dealers are literally making about $100 off each car before that.
 
crcballer55 said:
Rexanglorum said:
 
crcballer55 said:
The writing's been on the wall for a while now. There was an article a while ago that Milleniels are buying more luxury cars while also carrying increased amounts of student and consumer debt. At some point, our generation will learn one way or another. Unfortunately for now we aren't learning that the best way to build wealth and financial security is to be debt free and live within your means.
Click to expand...




Real wages have flat lined for the past four decades and the cost of college has exploded. These are systemic, institutional and macro issues. Until those issues are addressed, folks born after 1980 or so will generally have a lower standard of living than their parents.


When a society is failing, conservatives always heap blame on those with the least amount of money and power. I see the problem with the wealthy and the powerful.


People who are in their late teens and early 20's will always be overly optimistic about their own future earning capacity, they will always borrow too much if they are allowed to do so. The adults who run the colleges need to keep costs under control. The adults who pay taxes need to fully fund public Universities. The financiers, whose job is to evaluate credit worthiness and ration credit, need to stop making loans that they know will default (and they need to be prosecuted if they knowingly short against that very same category of debt).


Conservatives love to talk about "takers" and a shortage of virtue and a lack of impulse control among the poor. They are half right, our country is getting harmed by impatient and venal and parasitic malefactors but they are looking at the wrong end of the socioeconomic ladder.
Click to expand...

I'm not even talking about "standard of living". Almost anyone can afford some kind of transportation. It doesn't have to be new and it doesn't have to be luxury. Most of the big ticket purchases our parents had to save up for are dirt cheap now (i.e. tv, stereo system, furniture, etc) and home sizes have skyrocketed over the past 5 decades, so yes, home prices may be more expensive but adjusted for inflation and given the historically low interest rates a monthly payment is actually lower than it was 30 years ago. We could have an equally good standard of living as they had without trying if we wanted to if we learned to be content with what we have. The problem is that the human condition makes us want to keep up with the Jonses yet we don't know what's actually lying underneath the surface is that 65% of US households are living paycheck-to-paycheck and not saving a dime. We are bombarded with thousands of ads each day, each yelling at us that we will be happier if we buy that company's product

The reason is that most people think they can "afford it" because they can make the monthly payment. What the last financial crisis showed many people is that yes, they can afford the payment now but once things get bad there isn't anything to fall back on except to extend a line of credit if it's there. (which is the worst time to borrow more money).
Click to expand...

It is weird that you answer to so many systemic issues is basically people need an attitude adjustment.

Even if that were partly true, they're a other forces at play
 
I just don't see why it's anyone's business to know. You shouldn't even be telling your spouse what you make. Your immediate family are the only people who deserve to know.
 
Why does she deserve to know. She didn't help me make this money nor did she contribute to my upbringing and help me get to a position where I could obtain this job. It's none of her business.
 
Antidope said:
Why does she deserve to know. She didn't help me make this money nor did she contribute to my upbringing and help me get to a position where I could obtain this job. It's none of her business.
Click to expand...

She is your wife, the person you legally tied too......and technically, it is also her money

There is a difference between keeping finances separate, which makes a lot of sense in some cases, and this petty steez you're taking about
 
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Technically nothing. It's mine and solely mine. I earned it not she. Legalities don't have anything to do with privacy.

Nome of her business and it's not petty either.

JJs07 said:
Antidope said:
I just don't see why it's anyone's business to know. You shouldn't even be telling your spouse what you make. Your immediate family are the only people who deserve to know.
Click to expand...

:rofl: :rofl: :rofl: :rofl:

You got A LOT to learn. And probably why you're single.
Click to expand...
Assumption. And nah I think I'm good.
 
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