穷困潦倒的婴儿潮一代
my parents did not invest in their life at all and are now destitute boomers
我爸妈从来没为自己的人生做过任何投资，现在成了穷困潦倒的婴儿潮一代
they're 70 and live fortnight to fortnight on a government pension and are constantly living on the edge
他们七十岁了，靠着政府养老金勉强维持两周的生活，整天活得如履薄冰
kinda feels weird to have parents in this situation because everyone talks about how rich boomers but mine live like broke college students
父母陷入这种境地感觉有点怪怪的，毕竟大家都说婴儿潮一代很富有，但我爸妈活得像破产的大学生
>>62541055
what the fuck have they been doing for the last 50 years?
他妈的过去50年他们都干了些什么？
>>62541056
Same thing as this retarded board and you will be even worse off than them.
和这个蠢板子干的一样，你的处境会比他们更惨。
This is not an insult, just a warning.
这不是侮辱，只是个警告。
>>62541056
thats the funny thing, didnt feel poor growing up, we had a nice house, nice things, always the latest stuff, never went without, infact i remember other kids coming over to my house back in the 90s because we always had the latest stuff, first family in the area to get the latest gaming console, first family in the area to get a desktop PC, first to get a cable internet connection, etc
这就是有趣的地方，我小时候并不觉得自己穷，我们住好房子，用好东西，总是最新潮的物品，从不缺什么。事实上，我记得90年代的时候，其他小孩都跑到我家来玩，因为我家总有着最新的东西，是我们那片区第一台买最新游戏主机的家庭，第一台买台式电脑的家庭，第一个装有线电视宽带的家庭，等等。
looking back now I realized we only had all that stuff because my parents were spending 100% of their income on stuff, and not investing anything at all, while other people were investing in assets like property, stocks, etc
现在回头看，我才意识到我们之所以拥有那些东西，是因为父母把100%的收入都花在买东西上了，完全没有进行任何投资，而其他人则把资产投资在房产、股票等方面。
>>62541058
my parents have never done any type of investing, and have never done any type of gambling, so i dont see how its the same thing
我爸妈从来没做过任何形式的投资，也没做过任何形式的赌博，所以我不明白你怎么能说这两者是一回事。
they just consoomed with their incomes and once their incomes were gone when they were too old to work they became poor
他们只是用收入来消费，等他们老得没法工作时，收入没了，他们就变穷了。
>>62541058
>Same thing as this retarded board and you will be even worse off than them.
>和你这个弱智板子上的情况是一回事，你会比他们更惨。
seems unlikely considering i make an 85th percentile income and invest ~75% of my net pay. incel chud freaks will inherit the earth.
这不太可能，考虑到我拿着前85%分位的收入，并且将我净收入的~75%用于投资。这些 incel 宅男怪胎们将会继承地球。
>>62541068
>>62541070
if you actually dig through your retarded boomer parents lives, you will find many negative investments like buying shit they don't need and selling it for few thousand dollars less and being happy they didn't lose more, sound familiar, faggot?
如果你真去挖一挖你那弱智的婴儿潮父母的生活记录，你会发现很多“负向投资”，比如买些他们不需要的破烂，然后以少赚几千块的价格卖掉，还庆幸自己没亏更多。是不是很耳熟啊，傻逼？
>>62541082
No, they never invest in anything. They dont care about investments and the few rare times they ever spoke about the stock market, they called it a scam.
不，他们从不投资任何东西。他们不在乎投资，而且即使偶尔谈到股市，他们也会说那是骗局。
>>62541086
moron
The only example I could give is like, they would buy Nintendo 64 games for us, then my dad would immediately throw out all the boxes and manuals, so we only had the game cartridge, then when we stopped using the Nintendo 64, he immediately sold them for a few dollars each
我能举的唯一例子就是，他们会买N64游戏给我们，然后我我爸马上就把所有包装盒和说明书都扔了，所以我们只留有游戏卡带。等我们不再用N64时，他马上就把这些卡带每片几美元卖掉了。
So they never held onto anything from back then either, they dont understand collecting stuff or anything.
所以他们那时也从来没有保留过任何东西，他们根本不懂收藏之类的事情。
For example there is a lot of stuff from the 1990s they bought, which they sold once it was "boring" for us. They weren't like some boomers that kept their video games in good condition and kept them forever. The moment we stopped using something they bought, they would get rid of it, either sell it or throw it out.
举个例子，他们90年代买了很多东西，一旦我们觉得“没意思”了，他们就卖掉了。他们不像有些婴儿潮老朽那样，把电子游戏保存得很好并永远留着。我们一旦停止使用他们买的东西，他们就会处理掉，要么卖掉，要么扔掉。
Yes if the hoarded all their stuff from the 80s and 90s, they'd probably have a lot of expensive collectables, but as i said, they never kept anything once it was stopped being used
是的，如果他们把80年代和90年代的所有东西都囤积起来，那肯定会有不少昂贵的收藏品，但正如我所说，一旦不再使用，他们就从来不保留任何东西。
But that wasn't to get money back or anything, it was more so just to clear out the house, they didnt like keeping stuff around that wasnt being used, and many of it just went into the bin, not sold
但这并不是为了回本什么的，更多的是为了腾地方，他们不喜欢家里留着不用的东西，很多东西直接被扔进了垃圾桶，而不是卖掉。
>>62541091
"You will find many negative investments like buying shit they dont need a selling for a few thousand dollars less"
“你会找到很多负向投资，比如买他们不需要的东西，然后少卖几千块”
They never bought anything as an investment, consoomed.
他们从未为了投资而买任何东西，只是消费。
>>62541086
>>62541091
>>62541101
>>62541105
i just gave you an example of what my dad did anytime he'd get us a new N64 game
我刚才给你举的例子就是我爸每次给我们买新N64游戏时会做的事
boxes and manuals immediately thrown out into the bin
盒子和说明书直接扔进了垃圾桶
does that sound like someone buying it as an investment?
这听起来像是有人把它当投资品买吗？
>>62541105
>>62541110
Everything you buy is an investment, nintendo games clearly were 100% loss both financially and intellectually, because you cannot conceptualize that any commodity that you buy and could resell later is an investment, for example a car, a boat, a plane, a house...
你买的一切都是投资。任天堂的游戏显然是100%亏本，无论是财务上还是智力上，因为你无法理解任何你买了以后能转卖的商品都是投资，比如车、船、飞机、房子……
>>62541253
>Everything you buy is an investment, nintendo games clearly were 100% loss financially
>你买的一切都是投资，任天堂的游戏显然是100%亏损，财务上
you have easily the most retarded definition of investing on this retarded board. congrats.
你在这个愚蠢的版块里对投资的定义绝对是蠢到家了。恭喜。
>>62541101
Boomers really are universal t my dad gave away all the rare first edition pokeman cards i had even when i said they would be worth money in the future hundreds of em must be worth a fortune now
老古董们真是 universal t 我爸把我那些稀有的初版宝可梦卡都送人了，即使我跟他说这些卡未来会值钱。那些卡至少有几百张，现在肯定值一笔巨款。
>>62541101
You're replying to a salty bagholder
你这是在回复一个怨气冲天的套牢散户
>>62541503
Yeah I told my dad this
是的，我也跟我爸说过这个
>You know all that stuff you use to throw out is probably worth 6-7 figures now
>你知道你以前扔掉的那些东西，现在可能值6到7位数吗？
And hes answer is "everyone used to throw out stuff once they weren't using it anymore, most people aren't hoarders who keep stuff"
而他的回答是：“人们以前用完东西后都会扔掉，大多数人不是那种囤积东西的仓鼠。”
>>62541514
lol
>>62541503
>>62541519
The pokemon cards are 'worth something' (they're not, but thats what you kids think) precisely because you or your boomers threw them away. Do you unserstand that? And your dad was right, hoardinf 90s toys is for massive fags, and any gains on them are only attractive to mongoloid morons. My friend gets excitrd over $100 sloptendo games like fr dude? I can wipe my ass and get $100
宝可梦卡牌之所以“值钱”（其实不值，但这就是你们小孩的想法），恰恰是因为你们或者你们的宝贝老爸把它们扔了。你明白吗？你爸说得对，囤积90年代的玩具是纯种龟男干的事，而且从中赚到的钱只对那些蒙古式低能儿有吸引力。我朋友为一盘100块的斯隆特多（sloptendo，此处大概指盗版或冷门游戏）游戏兴奋得要死，老兄，我擦屁股都能赚到100块。
>>62541519
lol thats exactly the line he gave me
哈哈，他当时就是跟我说的原话
>If you don’t use it. it will just fill up space better to give or throw it away
>如果你不使用它，它只会占用空间，不如送人或扔掉
I think it is because they grew up in a time they never lacked anything.
我觉得这是因为他们成长在一个什么都不缺的时代。
>>62541536
i mean yeah it makes sense that there are Nintendo 64 games in box in good condition selling for like $50,000 or $100,000 because maybe my dad is right, most boomers just immediately scrapped the box and manual immediately, so a lot of the value in these games purely comes from the fact it's rare that someone kept the box & manual, and ultra-rare that someone who kept it, also kept it in good condition
我的意思是，是的，这说得通，因为可能有盒子和良好状态的任天堂64游戏能卖到5万或10万美元，也许我爸是对的，大多数宝贝老爸都立马把盒子和说明书扔了，所以这些游戏的价值很大程度上来自于有人保留盒子和说明书很罕见，而保留且状态良好的人更是极为罕见。
>>62541536
Thats not to say boomers made many retarded choices, but it's by design. they were allowed to. If you fucked up as a boomer on a $10 paying job there'd just be a $12 paying job waiting for you elsewhere next month. Today if you fuck up you can't pay rent and you die because there is no margin of error so to speak.
这并不代表宝贝老爸们做了很多蠢决定，而是环境使然。他们被允许这样做。如果你在宝贝老爸时代一份月薪1000的工作搞砸了，下个月就有份月薪1200的工作在等你。今天如果你搞砸了，你就付不起房租然后死掉，因为根本没有容错空间。
You would likely have acted exactly the same ironically
讽刺的是，你很可能会做出完全相同的行为
>>62541536
He litterly threw away atleast 300 thousends euros and they were all first edition glitter cards so double that number. Dont give a shit really but it would have been nice to have the cash
他实际上至少扔掉了30万欧元，而且全都是初版闪光卡，所以这个数字还要翻倍。我真的不在乎，但如果有这笔钱就好了
>>62541545
yeh all the n64 stuff was sold at a swap meet in 2000 when we got the ps2
是啊，2000年我们拿到PS2的时候，所有的N64游戏都在旧货集市上卖掉了
"you kids aint using the n64 and u have the ps2 now, so im gonna go practically give this away to someone"
“你们小孩都不用N64了，而且现在有了PS2，所以我干脆把这些东西 practically give away（几乎白送）给别人”
Also had a lot of pokemon cards too, but again, all gone once we "stopped caring about pokemon"
之前也有好多宝可梦卡牌，但一样地，自从我们“不在乎宝可梦了”之后，全都没了。
>>62541536
>>62541519
>>62541545
>>62541549
>>62541553
This has me wondering now then.... since everyone collects stuff and keeps it in mint condition these days, doesn't that mean all the stuff people collect these days is not gonna have the same kind of growth in the future because millions upon millions of people are hoarding stuff in mint condition now expecting to repeat the same kind of gains collectable stuff had from the 1990s until now?
这让我现在在想……既然现在大家都收集物品而且都保持全新品相，这是否意味着如今大家收集的东西将来不会有同样的增值空间？因为成千上万的人都在囤积全新品相的物品，指望能重现1990年代至今收藏品的那种收益？
>>62541549
Exactly. And that's why hoarding shit now for speculation is kinda retarded, because everyone is already aware that it can happen. There are some fake markets like lego but theyre propped up by artificial scarcity and retardedness. The cohort of ppl who appreciate it will die out. Nobody gives a fuck about Popeye today. That was a huge cartoon. Theyre buying turtles figurines now but those fags are also 40+ and dead soon. Super mario will sell his ass for crack on the streets when this nostalgiafagging generation is dead. (Mario may have some sticking power but you know what i mean)
没错。正因如此，现在囤一堆 shit 去投机真是蠢爆了，因为大家都知道这事会发生。有些像乐高这样的假市场纯粹是靠人为稀缺和愚蠢撑起来的。懂它的那拨人终会老去。现在没人他妈的在乎大力水手了，那曾经可是个超火的卡通人物。现在他们买乌龟人偶，但那帮傻逼也都40多了，死期不远了。等这帮怀旧傻逼死光后，超级马里奥的二手货在街头用可卡因都换不到（马里奥可能有点残存价值，但你懂的）。
>>62541558
It’s a universal trait of that generation atleast here in Europe it’s insane how economically illiterate they are on average.
至少在欧洲，这代人普遍缺乏经济常识，这确实是他们的共性，简直疯了一样。
>>62541569
Yep, that's the way it be.
对，世道就是这样。
Perhaps you'll make bank selling "used" quality and uniquely malfunctioning units kek
说不定你靠卖“二手”但质量独特且有点小毛病的机器能大赚一笔，呵呵
>>62541569
Depends on what they have and
那得看他们手里有啥以及
> since everyone collects stuff and keeps it in mint condition these days
> 既然现在大家都收集物品而且都保持全新品相
They don’t
他们才没有呢
>>62541572
The 2000-pound Popeye statue was bought by the billionaire art collector, Steve Wynn. The world's most valuable Popeye statue retails for $28 million
那座2000磅的大力水手雕像被亿万富翁艺术收藏家史蒂夫·温买走了。全世界最有价值的大力水手雕像零售价高达2800万美元。
You say what now?
你说啥？
>>62541591
The problem is, it has to also be popular today in order for future nostalgiafags to salivate over it. Random ass Adam's Family games would be worth fuckin $0 if it wasnt for the snes/sega cult keeping prices elevated because theyre a large cohort of nostalgia virgins
问题在于，这东西必须在今天也有流行度，未来的怀旧傻逼才会对它垂涎三尺。像《亚当斯一家》那种冷门游戏要是没SNES/SEGA那些小众圈子抬价，根本一文不值，因为他们是一大拨怀旧小白，把价格炒高了。
>>62541603
Ah, the 2000 pound statue, available to many consumers . We all had one. Yeah cool find with your AI but nobody talks about popeye and nobody is makin money on popeye
啊，那座2000磅的雕像，居然面向许多消费者？我们都有一座。嗯，你的AI挺厉害，但没人讨论大力水手，也没人靠大力水手赚钱。
>>62541607
This shit always loops in a cycle its like marbles one generation it’s cool again and then it’s not and then it is again. We’re not talking about stock options here we’re talking about keeping something in a box and not fucking with it it’s the easiest thing in the world. Like start buying original SpongeBob merchandise for an apple and an egg it will eventually get popular again. As long as you keep it in a box and don’t fuck with it
这 shit 总是循环的，就像弹珠一样，这一代觉得酷，下一代就不酷了，然后又变酷了。这跟股票期权不一样，我们说的是把东西装箱子别去碰它，这世界最简单不过了。就像当初用苹果和鸡蛋买原版海绵宝宝周边，过阵子肯定又火。只要你不拆包装，别去动它。
I would concede its still possible, just in different ways
我承认还是有可能的，只是方式不同罢了。
Perhaps sealed nokias or iphones or those earpods. Whatever. Toys are dead. The peak of toy mania was Toy Story. Consider thst film the peak of the toy industry. Only downhill since then
也许是密封的诺基亚、iPhone或者那些AirPods之类。无所谓了。玩具已死。玩具狂热的巅峰是《玩具总动员》。把这部电影视作玩具业的巅峰吧。从那以后一路下坡。
Hoping gta6 will do the same
希望GTA6能带来同样的效应。
>>62541055
>>62541056
My mom is 69, has $4k in savings. Collects $930/mo in Social Security before Medicare deductions. Works as a waitress.
我妈69岁了，存款只有4000刀。每月领930刀社保（医保扣除前）。在餐馆当服务员。
My dad is 63, has $7k in savings. Doesn't get Social Security or Medicare yet. Works in a woodmill/factory.
我爸63岁，只有7000块存款。还没领社保和医保。他在木材厂/工厂上班。
>>62541612
its the most exspensive its an example others smaller ones and lunch boxes go for 30.000+ it is still a thing
这是最贵的例子，其他小一点的和午餐盒之类的要卖到3万以上，这玩意儿现在还挺抢手
>>62541642
Oh. My mom's car is paid off though (built in 2016). My dad's truck will be paid off in 6 months. He still owes 9 years on the mortgage though.
哦，我妈的车已经还清了（2016年款）。我爸的卡车还有6个月就还清了。不过他房贷还得还9年。
>>62541643
Fair enough. /biz/ would be profitable if we all banded together to corner the Popeye market. I just dont like holding that garbo. Nostalgia is a poison. if you find ways to capitalize on it, power to you. I mostly feel sorry for everyone involved. My friend is big on collecting and selling snes era garbage. It's sad. He could be doing other things. Most 10-baggers or better are truly rare items. Adjusted for inflation, most things have barely kept up or possibly lost value.
说得在理。/biz/要是咱们团结起来垄断派大星市场，早赚翻了。我只是不喜欢囤那些垃圾。怀旧是一种毒药。你要是能靠它赚钱，随你便。我主要是觉得大家都挺惨的。我朋友热衷收集和销售SNES时代的垃圾，真可怜。他本来可以干点别的。多数涨十倍以上的确实稀有。算上通胀，大部分东西要么勉强持平，甚至可能还贬值了。
>>62541638
>Nokias
Funny you say that the originals are getting popular again have about 10 of em gonna wait till the trend mania hits peak to sell
巧了， originals 又开始流行了，我大概有10个，打算等这阵怀旧狂热达到顶峰再卖
>>62541677
> I just dont like holding that garbo. Nostalgia is a poison
> 我只是不喜欢囤那些垃圾。怀旧是一种毒药
It’s about making money just buy things that will have nostalgia value in the future like rare SpongeBob crap for cheap and put it in a box. And wait it’s litterly that easy
关键是怎么赚钱，买些将来会有怀旧价值的东西，比如廉价收点稀有的海绵宝宝垃圾，然后装箱放着。就这么简单，字面意思
>>62541055
The propaganda that boomers are rich is communist bullshit. Rich outliers skew the averages.
“婴儿潮一代很有钱”这种宣传是共产主义的狗屎。富有的极端值拉高了平均数。
Of course, the people that have been on the planet 30 - 40 years longer than you have more assets. 30 years from now Gen Alpha and Gen Beta are going to claim all Millennials are rich and "hoarding the wealth".
当然，比你多活了30-40年的人自然资产更多。30年后，Alpha和Beta世代也会 claiming 所有千禧一代都有钱且“囤积财富”。
>>62541483
Go tell that to your father who bought a boat, fished three times, realized he doesn't like it, and sold the boat at the loss.
去跟你爸说吧，他买了艘船，去钓了三次鱼，发现不喜欢，然后亏本把船卖了。
>>62541687
Kek Theyre especially good I guess because the goyim didnt know to save them yet. Hope you make it ser
呵呵，他们特别香，大概是 gentiles 还不知道要保存这些东西。希望你发大财
>>62541724
Yeah but people like my parents, who didn't invest into any assets, are just as poor in their old as, as a college student on welfare.
是啊，像我父母那样没投资任何资产的人，老了就跟领救济的大学生一样穷。
Seems like any boomer who put their money into pre much any asset are now well off.
看起来凡是把资金投入任何资产的婴儿潮一代现在都过得不错。
>>62541055
If your boomer parents did the bare minimum and invested just a measly 10k in the shit and piss back in the 80s they'd be millionaires today and yes I do regularly get furious thinking about this
如果你的婴儿潮父母当年哪怕只做了一点基本操作，把区区1万块投进80年代的股市垃圾里，现在他们就是百万富翁了。是的，我一想到这个就气得要命
>>62541730
A father taking his son fishing on a canoe creates great memories.
父亲带儿子去独木舟钓鱼，能创造美好的回忆。
>>62541055
My dad killed himself at 66, broke. You don't get any life insurance payout and I had to pinch in a couple grand for funeral and clean up costs. Definitely disheartening
我爸66岁时自杀了，破产了。你拿不到任何人寿保险赔款，我还得凑几千块付丧葬和处理费。真的让人心碎
>>62541750
I'm sorry for your loss, Fren.
节哀，兄弟。
>>62541724
Nigger on average here in the Netherlands they were rich i saw fucking retards get rich in those times you quite litterly only needed to show up. A fucking mail man owns a million euro house in my neighborhood. You have no idea how good we actually had it.
黑人平均水平，我在荷兰看到那时候富得流油，我看到那些傻逼都发财了，那时候你只要露面就能赚钱。我家附近的一个邮差拥有一套价值百万欧元的房子。你们根本不知道我们当时过得有多好。
>>62541744
My parents think the stock market is a scam
我爸妈觉得股市是个骗局
>>62541732
Yep the original iphones and iPods are next I think after this trend you know if everything doesn’t turns to shit and the civil war doesn’t kicks off in the next 10 years ( doubt it)
对，我觉得接下来会是原版iPhone和iPod。希望这趋势能继续，别全都烂掉，也别在十年内爆发内战（虽然我觉得不太可能）
>>62541760
Yeh it is the same here. There are low IQ boomers who worked working class tier jobs that didn't require any education or special skills, that live in paid off million dollar homes.
这儿也一样。有些智商堪忧的婴儿潮一代，干着不用任何教育或特殊技能的蓝领工作，却住着已还贷完成的百万美元豪宅。
Which is why its embarrassing to see that my parents failed to do this bare minimum.
正因如此，看到我的父母连这种最低限度的努力都没做到，我感到很尴尬。
Its not like they couldn't have done it, they could have easily done it.
他们不是做不到，而是轻轻松松就能做到。
My mom said they had a $22,000 deposit for a house in 1985 and were going to buy a house for $70,000 - but they decided last minute to just keep renting because it was so much cheaper to rent and that they would delay buying a house. That house today is like $2,500,000.
我妈说他们在1985年有了22,000美元的购房定金，打算买一套70,000美元的房子——但最后关头他们决定继续租房，因为租房便宜得多，还打算推迟买房。那套房子现在价值约2,500,000美元。
>>62541750
My condolences
节哀
>>62541743
Yup. But my parents made multiple dumb decisions. My dad was married twice. Mother was married three times. Dad had to pay child support for 2 of his 3 kids. Neither of them invested. Dad had some investments before 2008. Then lost like 50% of his assets in 2008, pulled out and never invested again. My dad still tries taking out loans for shit and I constantly have to stop him from doing it. He also drinks a lot, but he did quit smoking and went to Zyn, which is great.
没错。但我父母犯了好多愚蠢的决定。我爸结过两次婚，我妈结过三次。我爸得为三个孩子中的两个付抚养费。他俩都没怎么投资。我爸在2008年前有些投资，然后在2008年亏了大约50%的资产，抽身离场后再也没投过。我爸现在还老想贷款干些没用的东西，我不得不经常拦着他。不过他酒瘾挺大，好在他戒烟了改抽Zyn，这点挺好。
Both of my parents were huge partiers from 18 all the way into their early 50s. I had my fun, but I grew up by my mid 20s.
我俩父母从18岁一直到五十出头都是大party动物。我年轻时候也挺疯，但我二十多岁时就长大了。
It is what it is. I still love them both.
没办法，事已至此。但我还是爱他们俩。
>>62541764
My dad got a 300k settlement a few years back and I'm pretty sure he's already blown through most of it but I'll tell ya one thing he hasn't invested a single dime of it
几年前我爸拿到了一笔30万美元的和解金，我敢肯定他早就挥霍得差不多了，但我跟你说，他连一分钱都没拿去投资
Like at least put some of it in a short term bond ffs man
大哥，求你至少把部分钱买点短期债券吧
>>62541055
my parents are going to end up the same
我的父母最后也会落得一样的下场
i still say fuck social security
我还是想说去他妈的社保
if you fail to have any financial responsibility whatsoever for your entire life then fuck you
如果你一辈子都毫无财务责任感，那真是活该
>>62541800
This scares me.
这让我很害怕。
My mom has 1 surviving parent left, thats almost 100 years old. She owns a $2.5-3M dollar home.
我妈还有一个健在的父母，快100岁了。她拥有一套价值250-300万美元的房子。
My mom will be inheriting 33% of that value.
我妈将继承其中33%的价值。
I've been relentlessly telling my parents that they should immediately buy whatever house they can afford to buy when that inheritance comes... they keep saying stuff like "reee we dont talk about inheritances like that, shes muh mom" nigger shes almost 100 years old.
我一直在死命劝我父母，一旦继承到账，他们应该立刻买下他们能负担的任何房子……他们总是说“诶诶，我们不像那样谈论遗产，那是她老妈啊” 我草，她都快100岁了。
I am terrified theyre gonna get that inheritance and end up wasting it all and go back to being in the same position theyre in now.... kinda like your dad did.
我真的很怕他们拿到遗产后又会全给糟蹋了，然后回到现在这种境地……有点像你爸那样。
>>62541793
All those marriages and divorces pretty much destroy any chance of building wealth dont they?
那么多段婚姻和离婚几乎彻底摧毁了积累财富的机会，不是吗？
Well my parents dont even have that excuse, theyve been married since the early 80's
好吧，我父母甚至连这个借口都没有，他们从80年代初就结婚到现在了
>>62541789
Yep it’s insane again I think they are that way because they never lacked anything growing up in a cohesive homogeneous society they thought things would always get better or atleast stayed the same a normalcy bias.
对，这太疯狂了。我觉得他们之所以这样，是因为他们在成长过程中从未缺乏过什么，在一个稳定同质的社会里，他们认为事情总会变得更好，或者至少保持不变，这是一种常态偏见。
>>62541055
Happened to my father but not my mother (yes they are divorced) the case with my father is he basically been living a gigolo lifestyle his whole life while being in and out of the military, he didn't do a fully 20 years so he doesn't have a proper military retirement. He can't live like he did now in his 60s, he's basically fucked and didn't invest in anything despite being born in one of the best periods to generate wealth.
这情况发生在我爸身上，没发生在我妈身上（是的，他们离婚了）。我爸的情况是，他这辈子基本上一直在过靠女人养的古惑仔式生活，军籍也是进进出出。他没凑满整整20年，所以没有正规的军事退休金。他60多岁了，没法再像现在这样活下去了，基本算是完了。尽管他生在一个财富积累的绝佳年代，但他什么都没投资。
>>62541916
>>62541916
yeh they thought they had all the time in the world to buy a house
是啊，他们总觉得有一辈子的时间去买房。
like i said though we lived in really good places growing up in the 90's
就像我说的，我们在90年代长大时住的地方都挺不错的。
it was very cheap to rent back then, like you said they probably thought that would last forever
那时候租房很便宜，就像你说的，他们大概觉得这种便宜会永远持续下去。
theyre currently renting what is basically a shoebox because its all they can afford on their senior citizens pensions
他们现在租住的基本就是个“火柴盒”大小的地方，因为靠着老年人的养老金，他们只能负担得起这么小的房子。
>>62541933
Checked hope you atleast learned something from it so you won’t end up in that situation when you are that age
查了一下。希望你至少从中吸取了教训，这样到你那把年纪时就不会陷入同样的境地。
>>62541951
Well the lesson isn't really that impactful now because everything is so much harder in general and everything is already inflated massively, globalization and internet becoming wide spread & fast enough has priced everything in at an accelerated rate. Purchasing power from incomes is also dog shit compared to my parents times.
不过这个教训现在其实没什么冲击力了，因为现在做任何事都难得多，而且所有东西都已经严重通胀。全球化和互联网的快速普及让一切价格加速上涨。相比我父母那个年代，现在的收入购买力简直糟糕透顶。
I can learn from their mistakes but I cant magically undo how its become nightmare mode for the average person to build wealth.
我可以从他们的错误中吸取教训，但我没法像变魔术一样让普通人积累财富变得不再那么像噩梦模式。
>>62541253
So the word for that would be "consumable"
那这个词应该叫“易耗品”。
>>62541569
People tried just that in the 90s with comic books. They saw how valuable old comics became and wanted a way to make that easy money. People started buying four copies of the same issue. Then the Internet showed up and kids stopped reading comic books. It was a total flop. Most of the time hoarding things because they might appreciate in value turns out to be waste of time and money. That's why people throw out junk. Look at the beanie babies for another example.
90年代有人试过用漫画书投机。他们看到旧漫画升值很值钱，就想找个赚快钱的路子。结果大家开始同一期买四本。然后互联网来了，孩子们不再看漫画了。彻底崩盘。大多数时候，囤积东西指望它们升值，最后都是浪费时间和金钱。这就是为什么人们会扔垃圾。看看那些“小布娃娃”（Beanie Babies）就是个例子。
>>62541055
Just wait for 3-4 generations after zoomers when the younger generations find out that the destitute old zoomers were putting delivered fast food on BNPL and sports gambling when they have the easiest access to financial information and automated investing in all of history.
等3到4代以后，当年轻一代发现，那些穷困潦倒的千禧一代/Z世代（zoomers）在有史以来最便捷的金融信息和自动化投资条件下，居然还会用“先买后付”（BNPL）服务点外卖，还去赌体育比赛，那时候再回头看吧。
>>62541969
>how its become nightmare mode for the average person to build wealth
>普通人积累财富变得像噩梦模式一样困难
You dramaqueers are dooming urselves into poverty
你们这些戏精是在自找贫困。
my parents have had their mortgage double to triple the principal in the 30+ years they've had it
我父母的房贷在他们持有它的30多年里，本金翻了两到三倍。
they inherited property and sold it to buy it, but just didn't pay it off
他们继承了一处房产，卖了再买，但没把贷款还清。
they use their overdraft like credit and pay like 30% on it
他们把透支额度当信用卡用，利息大概30%。
they have bills like 100+ for a landline phone, 200+ for satellite tv
他们的账单包括：座机电话100多刀，卫星电视200多刀。
When you grow up in a world of abundance, you spend money frivolously and never invest because it seems like the money train will never end.
当你在一个资源富足的环境中长大，你会挥霍无度，从不投资，因为看起来这钱会源源不断，永远不会耗尽。
My dad is in his 60s, makes $130k+/yr and has no retirement aside from his home. My mom makes $270k+/yr and doesn't invest at all either. All her money is in a $750k home she bought in Portugal. She lives and travels around Europe a lot. Neither of them invest or know how to invest. Their idea of investing is putting money into a bank account and letting inflation erode it away.
我爸六十多岁了，年收入13万美元以上，除了房子外没有任何退休储备。我妈年收入27万美元以上，也完全不投资。她的钱全投在葡萄牙那套75万美元的房子里。她住在欧洲，到处旅行。两人都不会也不懂投资。他们所谓的“投资”就是把钱存进银行，然后看着通货膨胀把它侵蚀殆尽。
>>62541063
Sounds like they provided you with a great childhood and enjoyed the best years of their lives. Do you think it was worth it?
听起来他们给你提供了很好的童年，也享受了自己人生最美好的岁月。你觉得这值得吗？
>>62542045
He is right tho after all the essential bills are payed most people almost have no money left and it’s getting worse.thank god I saw thi shit back in the early 00’s and prepared accordingly I feel for the zoomzooms
不过他说得对，毕竟在付清所有必要账单后，大多数人几乎剩不下什么钱了，而且情况越来越糟。谢天谢地，我在00年代初就看透了这破事并提前做了准备，我挺同情那些zoomer（千禧/Gen Z）的。
>>62542129
invest your daily starbucks coffee into S&P500 instead and you will retire with 6 figures minimum, retarded subhuman.
把你每天买星巴克的钱拿去定投标普500，你退休时至少能有六位数收入，真他妈是个低等白痴。
>>62541730
investments make money over time.
投资是随着时间推移产生收益的。
>>62542601
Wrong. Investments produce returns over time. Those returns don't have to be monetary or compounding.
错了。投资是随时间产生回报的。那些回报不一定是金钱性质的，也不一定是复利的。
>>62542713
i invested in a sandwich yesterday. it made a return as shit today
我昨天投资了一个三明治。今天它带来的回报简直是坨屎。
>>62542751
That's better returns than your day trading adventures, so don't be smug, retard.
这收益可比你的日内折腾高多了，所以别在那装逼了，蠢货。
My parents are in the same boat. Will leave me 0 inheritance, so I've given up any chance to have kids. Fuck that. I'll just continue saving every penny and retire in my 30s to Vietnam/SEA in peace
我父母也差不多。他们不会给我留什么遗产，所以我干脆放弃了生育的念头。去他的，我就继续攒每一分钱，争取三十多岁退休，去越南/东南亚过清静日子。
>>62542772
there are no better or worse returns, since the monetary value doesn't matter according to your definition of investment. Either way the needle moves i am making 'returns'
没有好回报或坏回报之分，因为根据你的投资定义，货币价值并不重要。不管怎样资产在变动，我都算是在“获得回报”。
>>62542851
>NPC short circuits from nuance
>NPC（非玩家角色）因细微差别而短路
>>62542872
Define investment. Then, define asset. For fun, also define returns. Go.
定义一下什么是投资。然后再定义什么是资产。为了好玩，也定义一下什么是回报。开始吧。
>>62542935
Just read the dictionary, retard.
自己去查字典，蠢货。
>>62542944
dont backtalk me, bot. now, re-read the previous prompt and make no mistakes.
别跟我顶嘴，机器人。现在，重读上一条提示，别出错。
>>62542998
The only mistake was looking for intelligence in an NPC.
唯一的错误就是在NPC身上寻找智慧。
>>62541055
Yeah mine are the same essentially
是的，我的父母本质上也一样。
>Mother divorced dad after taking out a full line of credit on the house gambling and losing it all on penny stocks
>母亲在把房屋信用额度贷出来并在低价股上输光后，跟父亲离婚了
>remarrys way later to now stepdad
>很久以后才再婚，嫁给了我现在的继父
>guy had a fully paid off fully owned house and was retired. She literally married into the lucked out goldylocks tier zone of perfection
>那男人有一套全款付清、完全拥有的房子，已经退休了。她 literally（简直）是嫁进了运气爆棚的“灰姑娘”级完美领域
>could have just quit working retired modestly and lived off his pension
>她本可以就此停止工作， modestly（适度地）退休，靠养老金生活
>convinces him to reverse mortgage line of credit the house, maxes it out at value of the house 200k
>>她说服丈夫用房子做了反向抵押贷款信用额度，额度上限达到房屋价值的20万美元
>gambles and loses it all on pennystocks, in the hole 200k
>>拿去炒低价股，全输光了，负债20万
>Still lucks out on canadian market, big boom house QUADRUPLES in less than 10 years
>>好在加拿大市场运气不错，房市大爆发，不到10年房价翻了两番（翻四倍）
>worth 800k
>>价值80万
>Bitches and complains about how terrible the house is and how terrible the neighbors are, makes up drama headcanon all the time (was old but amazing property, literally no neighbors, rural Canada, enough space to live etc
>>抱怨房子有多烂，邻居有多差，整天制造戏剧性的脑补情节（那房子虽然旧但是很棒， literally（简直）没有邻居，加拿大乡下，空间足够居住等等）
>spends like 50k renovating it to be like original house she pissed away with my father
>>花了大概5万美元把它翻新，结果翻新后的样子就像她跟我父亲搞砸的那套老房子一样
>after doing a bunch of retarded renos which add 0 to the property value since canada is so inflated this type of shit doesnt really matter anymore, house is a house pretty much no matter how nice or fucked it is here people will just tear it all out and put their own shit in anyway
>折腾了一堆智商税装修，对房产价值毫无提升，毕竟加拿大泡沫这么大，这种操作早就没啥意义了，房子嘛，不管多豪华还是多烂，在这帮人眼里反正最后都是拆了重建，装他们的东西。
>sells it 200k under market value(600k after I told her to leave it at 800k and wait), takes the 400k they net which should be 800k if she wasnt a retard and buy some POS house in town which is far worse and more retarded than where they were living and FAR more expensive
>以低于市场价20w卖掉了（我让她挂80w别卖，她偏不听），净赚40w，本来能落80w的，非要当个蠢货，转头买了镇上更烂、更智障的一堆破房子，还贵得多。
That's where they're at that I know of I am nearly 100% sure she has likely reverse mortgaged the bitch again and is fully in on penny stocks again, its just her way. even my sister who is a materialistic whore is like "wtf are you doing retard?"
目前就我知道的，我有99%把握她已经把这套房子二次反向抵押了，而且又全仓进了仙股，这就是她的路数。连我那个拜金婊妹妹都忍不住问：“你他妈在干嘛？脑子有病啊？”
>>62543055
hopefully you made some returns in your journey
希望你在折腾的过程中赚了点钱吧
>>62543068
lol ur mom is a trading degen?
笑死，你妈是个交易赌狗？
thats better than never investing and never having a chance at all
那也比从来不投资、完全没机会强
>>62543236
I guess but if she had never invested she would be set for life. I'm not sure what she's chasing because even if she made 10 mil she'd be unhappy and miserable still. She's never going to make any money she doesn't understand trading at all and refuses to sell when she's up.
我倒也是这么觉得，但她要是从不投资，这辈子就财务自由了。我不明白她在追逐什么，就算赚了1000万，她估计还是不开心、一脸痛苦。她完全不懂交易，从来不肯止盈，根本赚不到钱。
>>62543260
NPCs will do anything but boglehead in global index fund.
NPC们什么都干，就是不肯老老实实投全球指数基金。
>bogleheads some meme stock or shitcoin instead
> 婴儿潮韭菜们反而去买些迷因股或垃圾币
>>62541055
I live in public housing that was initially built for young working people to raise families in, but it's filled with failed Boomers and graying Xers who basically squandered their prosperity. They made nothing of themselves, and have become expensive burdens on society. Most of the retarded, entitled old fucks don't realize they pay a PITTANCE in rent ($500~800/month) while young people with jobs have to pay $1200 or more.
我住在公屋里，这本来是给年轻上班族养家盖的，可现在全被失败的婴儿潮和早衰的X世代挤满了，他们基本挥霍掉了自己的繁荣。一事无成，成了社会的昂贵负担。大多数又蠢又自以为是的老东西根本不知道他们只付一点点房租（$500~800/月），而有工作的年轻人却要掏$1200或更多。
In terms of mental development they're like prepubescent children.
从心智发展看，他们就跟青春期前的小孩似的。
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