thepixelmonk

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Posts posted by thepixelmonk

  3. Posted · Edited by thepixelmonk

    You seriously need to stop blaming others or you will never, ever put your life back together. You fucked up your own life. Take some basic responsibility for once. Literally everybody here has been through the same shit. We've all lost jobs. We've all messed up past relationships. We've all done things that can never be fixed. Stop acting like a child.

    It honestly seems like you actively prefer your current situation as opposed to putting in any actual effort to get your shit together. You whine and whine all day but you actually prefer how easy it is to simply lay back, not do anything, and just pile all of the blame on external people and entities, don't you. Admitting that is the first step to solving the problem.
     

    Quote

    Why isn't this dude in an institution yet?

    LOL for real.

  9. Posted · Edited by thepixelmonk

    1 hour ago, PonchoTheWizard said:

    Leo eluded to a course that depicts his techniques (presumably using various psychedelics). Where is this course? I understand the need for survival and I'm happy to pay a reasonable price (sub $250).

    It is not released yet (wait another year or two) and it will cost thousands, not hundreds.

  16. Posted

    33 minutes ago, integral said:

    Maybe making it illegal is a stretch but i would say we need major credit and loan protection in place to protect people from poor financial decisions. People need protection that prevents them from entering into debt.

    The American dream is not working for everyone. The majority live pay check to pay check while others eventually declare bankruptcy, your over focused on the minority that have high paying jobs, no one is giving people a financial education. 

    If implemented well protection systems would be fine. Banks can certainly participate in predatory practices which, ya not cool at all.

  17. Posted · Edited by thepixelmonk

    1 hour ago, integral said:

    If you want to be rich you need assets not liability and you need to maximize income and lower expenses. People do the opposite. 

    Children and a house are liabilities. 

    Many people vastly prefer having those "liabilities". If you don't care about family life or owning a house and want to dedicate your life to becoming rich, great more power to ya. Literally making credit illegal and telling tens of millions of americans that they no longer have access to basic american family life... that's beyond stupid mate.

    Also what leo said. Literally the entire business world runs on it. Like entire systems would collapse. Obviously have no idea how any of this works at all.

  19. Posted · Edited by thepixelmonk

    5 minutes ago, integral said:

    Exactly don't buy a car or house when you cant afford it. Ridiculous.

    Save up, make money, succeed then buy a car and house. 

    They can afford it though. Tens of millions of people handle their credit just fine. The vast majority of the population is working class. They aren't going to be buying houses outright in their lifetime. Are you going to deny raising a family and owning a house to the majority of the population? Like what are you even talking about. Making it illegal is ridiculous. And this is coming from someone who doesn't use credit whatsoever, all I have are debit cards and I do generally follow the advice of never using credit. But making it illegal is just plain stupid.

  20. Posted · Edited by thepixelmonk

    16 minutes ago, at_anchor said:

    That's correct. You could probably make a deal with the owner when buying a house to pay him over time the sum that he wants right away so you don't even need credit to buy a home i guess.

    Yeah pretty much this. There are things like buying houses and cars which become impossible for the "average person" if you take away credit.

  21. Posted

    Before you agreed, you had the right to do whatever you wanted. Like you said, if your parent is trying to force some sort of indoctrination on you or whatever, you are completely free to refuse and move on to make your own choices. But you already promised to pay him back, and he already lost his 57k on the condition he would get it back. At this point it's your fault for not simply being forthright at the start.