• anus@lemmy.world
    37·
    3 days ago

    Real answer:

    1. Get out of debt
    2. Hold a few months worth of expenses in cash/easy access savings
    3. Maximize any yearly contribution to a tax free savings, investment, or pension account
    4. If there’s still more left, open an investment account and buy into a world index fund like IWRD if you’re in the UK
  • HonoraryMancunian@lemmy.worldEnglish
    1231·
    4 days ago

    If this is legit (lol) then the real answer is split up, and stay single until you find someone who you’d never refer to as ‘bitch’

    • sp3ctr4l@lemmy.dbzer0.comEnglish
      7·
      3 days ago

      Yep yep yep.

      I would suggest anon takes that 18k, sets aside ~75% of it in some kind of savings or investment scheme, start that nest egg early.

      (No, not fucking crypto, probably just find a high yield savings account)

      Or, wipe out any existing debts first.

      …

      Then, take whats left, and consider:

      Fix up your car,

      Get some good quality clothes and shoes or boots that you will be able repair and maintain, get the tools that enable you do to that,

      Get a good and comfortable mattress and quality pillows,

      Get some good quality cooking appliances that are relatively portable and will enable you to make decent meals from scratch, or at least closer to scratch,

      Unironically, consider getting a bidet… toilet paper is expensive, a reasonably priced bidet addon to a normal toilet can pay for itself in a few months,

      Basic repair toolkit for electronics, and also basic repair toolset for around the house/automobile type stuff,

      Some basic, not stupid expensive, home work out / strength training equipment.

      …

      Ya’ll see where I going with this.

      Use that other 25% to buy actually useful things that lay a more solid foundation for the rest of your life.

      Solid foundation?

      You’re much more likely to be able to buy that motorcycle or gaming pc or what not in another year or two, all without having to touch that nest egg for anything other than true emergencies… if you can keep working at whatever you’re working at, from that stable foundation.

      …

      Take that Bali trip in 5 years or a decade when you can actually afford it, not instantly with someone who’s first instinct upon coming into money unexpectedly is to spend it on something ephemeral and temporary.

  • Dorkyd68@lemmy.world
    12·
    3 days ago

    Apparently 2 people won the 1.8 billion$ powerball last night. One Texas the other in Missouri.

    To put it mildly my life is over. Now i cant buy a million acres of land and create my own compound. How will I pay for my dogs english lessons so that we can finally talk???

    Jokes aside i hope whoever won blows it on coke and hookers

      • Zorg@lemmy.blahaj.zone
        9·
        3 days ago

        It is. Statistically most lottery winners have managed to burn through their winnings after something like 2-3 years. It may take slightly longer if the payout is a half billion or so (because you just can’t possibly list any price or prize in the US after taxes, that would be preposterous for reasons).

        • sugar_in_your_tea@sh.itjust.works
          7·
          3 days ago

          It turns out there’s a high correlation between people who are bad with money and people who buy lottery tickets.

          It would be awesome if the lottery winnings came with complementary financial advisement by a fiduciary for the first year. That way there’s at least a hope that money can improve their lives long term instead of just making for a crazy spending spree for a few years.

          • TonyTonyChopper@mander.xyz
            6·
            3 days ago

            people who are bad with money

            It’s just repackaged gambling. It’s designed to take money away from people who are already struggling. The organizers will never benefit from giving away finance advising and the average participant would never ask for advising.

    • Dasus@lemmy.world
      3·
      3 days ago

      I actually do know a guy like that. But it took him until like almost 30’s to manage to get one and I’m pretty sure she has kind of a lot of addictions as well.

        • sp3ctr4l@lemmy.dbzer0.comEnglish
          3·
          3 days ago

          This is now an impromptu motorcycle advice thread, lol.

          But uh, if you would…

          Do you have any recommendation for something like a $5k ish (or possibly under) bike that … more or less could function as basically the motorcycle equivalent of… more like a donkey, than a thoroughbred?

          Something that could handle itself at least ‘ok’ in a kind of… shitty trail / access roads type environment, but also does decently well on roads… and is ammenable to either saddle bags or hardshell panniers for some cargo?

          So far the closest thing to that that I have found at or near that price point is basically the Royal Enfield 500ish bikes… it seems like the more affordable but less powerful ones may just not be able to deliver enough power to handle say, safely performing an overtake at US highway speeds.

          I dunno, hopefully that makes sense, and hopefully I am not asking for the impossible.

          Also, if any of my preconceptions here seem widly offbase, please let me know, one can only get so far from watching reviews lol.

          …

          As best I can tell, it… seems Yamaha is doing an XSR500, but I cannot find any confirmation that it is coming to the US nor what the price would be … ???

          • SuperSpruce@lemmy.zip
            3·
            3 days ago

            If you’re on a budget, look at the used market, you don’t have to pay those ridiculous dealer fees.

            • sp3ctr4l@lemmy.dbzer0.comEnglish
              2·
              3 days ago

              Oh, yes, at this point I would be looking to only buy a bike totally outright, in cash, and yeah, ideally something lightly used, I’d rather ask current owner of the bike about its history…

              Probably gonna be the case that the average person selling their own bike is gonna be either much more truthful and transparent, or at least worse at lying, than any kind of a dealer.

              It seems pretty common that people will buy a bike, ride it a bit, and then just realize they aren’t actually using it that much, after a year or two.

              So I would be looking to rehome that kind of a bike.

              Of course of course, familiarize myself with a bit of how to repair that make/model prior to going and looking at it, so I would be better able to spot some kind of trouble indicator, that the seller may either be trying to hide or just genuienly not have noticed.

          • InternetCitizen2@lemmy.world
            3·
            3 days ago

            So far the closest thing to that that I have found at or near that price point is basically the Royal Enfield 500ish bikes

            Was basically going to say RE. I’ve heard in reviews they have improved their quality problems. Mopeds are basically the donkey here too and often the more practical as they have storage at the cost of the style points. The Honda Rebel has several different cc engine types. Japanese bikes are pretty high quality. Yamaha has an MT 03 that is a good entry level and Kawasaki the Versys 300. Even small engines will be okay on the highway. Many can get to 80mph without to much struggle. Still I’d rather not if its long distance or something. Might stress the engine too much. Don’t be shy about used but watch a few maintenance videos to pick up on what isn’t normal/neglect

            • sp3ctr4l@lemmy.dbzer0.comEnglish
              3·
              3 days ago

              I appreciate the feedback!

              I had been also looking at the Rebel and Versys…

              I’ll look at the MT 03 though, had not given that too much research time yet.

              I’m not hard pressed to pick something right now, so… maybe I should just wait a bit and go for something in just a bit higher price tier…

              But yeah, good to know that ‘basically RE’ is also roughly your answer to what my described ‘requirements’ … means I am not totally delusional about all this, haha!

        • LilDumpy@lemmy.world
          4·
          4 days ago

          That’s the bike I want. Well, actually the xsr700. But I’m cool with the 900 too if it fits the budget.

          Why do you like about it and what do you wish it did better?

          • InternetCitizen2@lemmy.worldEnglish
            3·
            4 days ago

            I really like the retro-modern fusion of the style. Its also got a nice assortment of rider aids and riding modes, so its no always on rocket mode. It is kind of on the edge of how big a bike can be (in terms of performance) for the street, so really it could be smaller and you won’t notice much as far as regular riding; few people (myself not included) will be able to push the 900 to the limits. Its still fairly new to me so I cannot comment on how much of a pain any given maintenance will be.

            • LilDumpy@lemmy.world
              2·
              4 days ago

              For sure, the looks are #1 for me too. The thing I run into is needing space to carry things, primarily my workout gear and duffle bag, and sports bikes suck for cargo.

              My Harley has two large saddle bags and even those aren’t really enough space.

              • InternetCitizen2@lemmy.worldEnglish
                3·
                4 days ago

                On the xsr900 sub reddit I once saw someone with a good setup for soft luggage. Personally I have some bungie cords that i use to strap my backpack onto the back seat. MCs as a whole just aren’t as practical that way. Ironically/underrated mopeds have build in storage and sacrificed all the cool points to just being pure practicality for urban mobility lol

                • Corn@lemmy.mlEnglish
                  2·
                  3 days ago

                  An NC700/750 has about as much storage as a moped. But the real storage capacity comes when you start stacking stuff on the back, with the right bags/frame, you can transport basically anything you’d fit in the back of a minivan without lowering seats or shorted pickup without leaving the gate down.

                • LilDumpy@lemmy.world
                  2·
                  4 days ago

                  True!

                  I’ll figure something out. I just love riding without a backpack, but that’ll be difficult for a daily commuter retro sport bike.

    • Senseless@feddit.org
      11·
      4 days ago

      I’d get a driver’s license for motorcycles and the motorcycle later. The licenses have become so insanely expensive here.

      • Corn@lemmy.mlEnglish
        4·
        3 days ago

        Why? Shouldn’t cities encourage motorbikes over cars? In SEA its way easier to get a liscense for a bike than a car.

        • gallopingsnail@lemmy.sdf.org
          3·
          3 days ago

          North American infrastructure is designed for cars first, and motorcycles are somewhat rare to see compared to the number of cars and trucks on the road. I think it’s maybe more dangerous to ride a motorcycle in NA than in SEA just because everyone around you is in a giant metal box that can kill you, and I think that’s why many people here choose not to ride motorcycles. That, and winter, of course.

          As for the licensing, at least in the US, a motorcycle license is actually just an endorsement on a standard driver’s license, so you need to have the standard car license first.

          • Corn@lemmy.mlEnglish
            2·
            3 days ago

            The person I was responding to isn’t american, because motorcycle licenses are like 10 USD in both the states I’ve lived in.

            Also my question was why is it expensive.

  • serenissi@lemmy.world
    5·
    3 days ago

    fake: anon gets a lottery call, probably it’s a scam

    gay: anon is a girl (ignoring this is 4chan)

  • Perspectivist@feddit.uk
    422·
    4 days ago

    There are countless ways I feel different from the people around me, but spending habits is a big one. I never had the urge to start buying things when I got money. I’ve just always saved it. Even as a kid, I had a chest with a lock on it where I kept all my savings. I was always the one people borrowed money from and paid back with interest.

    Now as an adult, I find it even easier not to go on a spending spree when I get a large lump sum of money from somewhere, because getting more money doesn’t really enable me to buy something I couldn’t have bought before. Even when I do treat myself to something, it’s usually BIFL quality, so once I have it, I never need to buy it again.

    I guess it’s worth noting that always being alone with no one to spend the money with helps too.

    • sugar_in_your_tea@sh.itjust.works
      3·
      2 days ago

      I’m the same way, and I don’t even know what I’d splurge on if given a bunch of money. I’ve conditioned myself to be happy with less, so any money I get goes to investments, and if I have enough to retire on my current lifestyle, I’d do that and just work on personal projects instead of going to work.

      But I grew up in a middle-class household where we always had enough because my parents were careful with money. They taught me to save early on, and I was able to afford some nice things (TV and game console) with the little I earned mowing lawns and whatnot. I had great role models, and I’ve almost never had to worry about money and only needed to go into debt for my house.

      I wish everyone had that kind of role model. A little financial discipline can be the difference between anxiety from living paycheck to paycheck and being able to quit your abusive job and get one that respects your time.

    • gandalf_der_12te@discuss.tchncs.de
      7·
      3 days ago

      Consumerism has mostly been a way to separate fools and their money throughout the 20th century.

      If consumerism wouldn’t exist, the workers would have earned good dollars (back in the 20th century wages were typically still good), but would have kept the wealth to themselves, and so you end up with a powerful working class. If instead, the people spend their money as soon as they have it, the companies and therefore the company owners get a share of the money repeatedly, until all of the wealth is slowly siphoned away by the owning class.

  • panda_abyss@lemmy.ca
    351·
    4 days ago

    Caviar mukbang.

    You want to be so full of roe that if an alien sliced you open your stomach would look like a pregnant salmon.

  • k0e3@lemmy.ca
    6·
    3 days ago

    What country that uses the dollar sign uses that formatting? In Canada and us I think it’s $18,000. The way anon writes it is tripping me out.

    • nyctre@lemmy.world
      9·
      3 days ago

      Most european countries, I think? At least that’s how I’d write it. And I’d use $ cause it’s just easier for people to understand the value and cause for most keyboards the euro sign is slightly less comfy to use.

      • k0e3@lemmy.ca
        2·
        3 days ago

        Oh yeah, I know the format is Like that in Europe, but the guy won $, right? Seems weird to me that he wrote it like that of they’re from the US or Canada.

        Edit: oh oops I didn’t read the comment properly. Thanks for your explanation!

    • vala@lemmy.dbzer0.com
      5·
      3 days ago

      Based on the English my best guess is the 4chan op is German.

      Why they used a dollar sign instead of euro sign idk, probably just 4chan stuff.

    • lessthanluigi@lemmy.sdf.org
      1·
      2 days ago

      Croatia. Anon also has that long croat hair, and being a croat and a channer, he worships a man named hitler, which makes him gay!

    • MonkderVierte@lemmy.zip
      51·
      3 days ago

      Km100? Mb/s100? But $100 is suddenly ok? Americans clearly do it wrong.
      And you say “100 Dollars” and not “Dollars 100”, right?
      Not like we’re better though; germans say numbers wrong.

      • k0e3@lemmy.ca
        7·
        3 days ago

        I didn’t say it was ok; just the way we do it in Canada as well as the States. It absolutely makes no sense lol. I’m pretty sure a lot of growing up make the “mistake” of writing 100$.

      • sugar_in_your_tea@sh.itjust.works
        5·
        3 days ago

        This is to be a language thing. In the US, Australia, Canada, and the UK, we write £20, $20, and €20 (and 50c, 50¢, 50p if using coinage). In Quebec, Canada, the currency symbol goes at the end, because French is the provincial language.

        In English, 20$ is wrong. In French, $20 is wrong. Use the right system for your language.

      • Magnum, P.I.@lemmy.dbzer0.com
        4·
        1 day ago

        I know as a metric enthusiast you HAVE TO get offended the second something imperial is mentioned. Whatever it doesn’t matter if you like it or not, if the story would not be fake and gay, he would have written $Value and not Value$