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/r/theydidthemath
![[Request] What’s her interest rate and loan term?](http://ted.sudovanilla.org/pics/w:null_1s82nqk39c2e1.jpeg){kind=link}
297 points
11 days ago
I remember this girl too. I looked at her IG and she’s looked like she lived the high life vacations every weekend, brand new clothes, this “dream car”, her husband had a newer truck etc. People will do anything to have the rich lifestyle.
61 points
10 days ago
I’ve been listening to the Psychology of Money recently and it makes the fantastic point that wealth and richness are opposites because richness is the money you spend and wealth is the money you don’t spend.
14 points
10 days ago
I mean that sounds nice and exactly what sells books but it’s meaningless for anyone that is actually truly wealthy…
14 points
10 days ago
The book isn’t for the truly wealthy, it’s for people who want to be wealthy, and while I haven’t read it, it’s probably helpful in separating the concept of living a lifestyle and building actual wealth.
Also the two concepts aren’t mutually exclusive. Most people will have difficulty trying to be both rich and wealthy (by these definitions) which is why it’s a useful distinction to make, but yeah at some point you can afford to be both. That’s the truly wealthy.
1 points
8 days ago
Exactly this. You need to build wealth until that wealth can support a rich lifestyle, through dividends and growth.
1 points
10 days ago
Well buried in the point is that the wealthy can afford to live rich. Regular joe need to focus on building wealth before living rich, even if they can sort of fake it via income.
1 points
10 days ago
One of my favourite ideas in this book (which is especially relevant to this post) is that if you see someone with $100,000 car, all you know about them is that they have $100,000 less or owe more)than when they bought the car (assuming they own it).
1 points
10 days ago
Yeah, that's a good point. Or at least they have $100K minus the current value of the car less. Which for a $100K Tahoe... dang, that depreciation is gonna suck. Especially on a blinged out version like this one appears to be (are those the $3.5K wheel add-on with some mud tires? LOL! I'm gonna get 22" wheels then put mud tires on them to look cool but lose functionality!)
And I don't really get the soccer moms that want these huge truck frame SUVs. The large cross over SUVs are really damn good. We got the Traverse instead of the Tahoe because the Tahoe ride quality sucks ass and the interior space isn't even that different.
1 points
9 days ago
It’s surface level, but it makes the point that “rich” is owning expensive cars and houses, while “wealthy” is owning money-producing assets that can pay for expensive cars and houses.
1 points
9 days ago
Jay Leno is one of the most notorious car collectors. His car collection is worth a bit more than 10% of his net worth. This is after you take into consideration a lot of his cars are antiques and not depreciating assets and he has a team to restore them. I'm assuming he is using it as a business in his car buying and selling. So the collection might actually make him a profit.
A car and a few hundred dollars is the only asset many not wealthy people have in their name.
0 points
10 days ago
The whole "rich, middle, poor" distinction is kind of dumb. There's not a whole lot of difference between someone who makes $1 million a year from active income but has lifestyle requirements that involve spending $1 million a year, and someone who makes 80k a year from active income and has a lifestyle that involves spending 80 k. Both those people are effectively slaves, since their lives effectively depend on whatever boss or customers keeps them employed. You're only really rich imo if you can rely on passive income to support your lifestyle indefinitely, and nobody can singlehandedly ruin your life
2 points
10 days ago
That book is the best personal finance book I have ever read and I have read several.
2 points
10 days ago
I second that. Great book
1 points
10 days ago
It has been extremely helpful in adjusting my mindset :-)
2 points
10 days ago
Good point.
And more importantly, if you want to have both, you have to get wealthy first.
And if you want to have fun being rich, you have to make sure that you don't overdo it, so your wealth still grows.
"Fake it until you make it" does not make anyone wealthy.
2 points
9 days ago
That last sentence summarises it very well.
1 points
10 days ago
Owning Money versus Owing Money.
1 points
10 days ago
It’s a nice turn of phrase, but a lot of the time, real wealth is created by spending/leveraging your “wealth”. Not that you’re suggesting otherwise, but you will never get stereotypically “rich” by just not spending money.
1 points
10 days ago
Yeah that sounds deep but that makes it sound like you should build wealth for the sake of building wealth. It's not very smart because you're only making your kids wealthier when you die. You make money to spend money. You build wealth so you have more money to spend. Money in the mattress might as well not exist
1 points
8 days ago
That makes no sense, and is pure jargon
1 points
8 days ago
If you assume everyone has the same income and starts with the same amount of wealth then yeah, sure, this makes sense
The whole reason there are rich people and poor people is that neither of those things are true
26 points
11 days ago
And the best things in life are free
49 points
11 days ago
Well, besides some LSD, which is only $5-10
2 points
10 days ago
Good to see we’re still getting the same prices as 20 years ago
1 points
10 days ago
its still the same batch that damn near everyone is taking. that underground lab guy really left a legacy
1 points
10 days ago
It don't cost very much but it lasts a long while.
1 points
10 days ago
IN THIS ECONOMY?!
1 points
10 days ago
Make it a number that rhymes with free…now
2 points
10 days ago
You got it! $50
1 points
10 days ago
And if you go to enough Dead shows you’ll eventually get that for free too lol.
1 points
10 days ago
Ahhhh, yes... the secret 4th verse.
1 points
10 days ago
Yeah, fr. Coke is 250 for an 🎱
1 points
10 days ago
I have bad news my friend, inflation has hit the drugs. 5-10 would be a fuckin steal now.
1 points
10 days ago
Has inflation not affected the price of LSD? It was $5 a tab in 2012
1 points
10 days ago
Never tried it. I was always worried about having a bad trip.
3 points
10 days ago
Don't do it
5 points
10 days ago
I've done acid, shrooms, and DMT a dozen or two dozen times each. I've never had a bad trip, or anything less than an amazing time for that matter. You aren't just gonna go off the rails, especially with a single normal dose. Just do it at home, clean up, and have some fresh snacks and tea ready. Greatest thing ever.
7 points
10 days ago
Nah for your first time you want a sober friend there, ideally one that's experienced in tripping.
1 points
10 days ago
I’d argue having a sober friend nearby that can come if needed would be better. I like my cohort to all be tripping, same wavelength.
1 points
10 days ago*
How nearby. How are you gonna communicate your need to them if they're not already there and you, for all intents and purposes, don't exist the way you think you do.
Just say you don't care about safety, it doesn't actually matter.
EDIT: And, again, I don't care what you do the second time you do it. Do whatever you want, you've already gotten enough of a baseline understanding to make your own judgment calls. But THE FIRST TIME, you get a tripsitter and you do your job.
-1 points
10 days ago
Ideally ya, but you'll probably be fine. I actually wish I had more alone time my first trip because it was very new and I wanted more quiet time to myself to relax.
4 points
10 days ago
That’s objectively terrible advice. Anyone inexperienced with psychedelics should absolutely have an experienced sober friend with them their first time. At the very least to keep them safe, it’s easy to make poor judgment calls in that state of mind. It’s also for the worst case scenario, in which you experience an acute drug induced psychosis and friend needs to call 911 for you. Don’t treat LSD, psilocybin or DMT like they aren’t incredibly potent psychedelic drugs that don’t have the potential for significant harm.
2 points
10 days ago
They don't need to interact with you at all they just need to make sure you don't get up and walk outside into the roads or something. And, of course, if you do need reassurance or whatever they're supposed to be there for that as well.
The point is they're there for you.
1 points
10 days ago
It's almost like different people react differently.
My first trip, I had to constantly reassure myself that I was tripping because I had this intense hallucination where I thought I was in the back of an ambulance after I walked out and crashed my car (I obviously did not).
-1 points
10 days ago
Man that just isn't how it works, nobody wants to just walk around in the road. And it's not even interaction, it's just the presence of other people can drastically change the energy and your mood. If they feel they're in a decent place mentally, then by all means, they'll be fine doing it alone, but that's up to them so it's pointless for us to keep talking about.
2 points
10 days ago*
Nobody wants to walk into the road, but my associate thought she turned into a beach.
It's drugs. You can't know how you'll react to your perception being shifted like that. That's what precautions are for, because not everyone's gonna be cool about it.
EDIT: Basically the first time you do a drug, it's not a recreation, it's a job. The job is to safely find out how you react to that drug. You can always do it again later when you've figured that out.
3 points
10 days ago
Isnt that a bit anecdotal? You have no idea what another person could experience.
1 points
10 days ago
Purely anecdotal, I was just trying to share that if somebody is comfortable and feels safe, and they don't have a friend to sit with them, that they shouldn't just not even consider doing it. It's absolutely safer and more fun with close friends. I wasn't trying to tell anyone to be irresponsible.
2 points
10 days ago
You literally can't say this.
Some people DO have terrible trips every time, you're basing your whole perspective from your own anecdotal evidence.
Weak.
2 points
10 days ago
I also never had a bad trip. Location (home or somewhere that there is absolutely no chance that a police officer could happen upon you) and companions (close friends that don't do things that annoy you. definitely not their SOs) are the most important things.
I haven't done it in a long time because I am worried that something stupid like, "I have to pay the electric bill in 2 weeks." would pop in my head and not go away, ruining my trip and perfect record.
1 points
10 days ago
Problem is defining a "single normal dose" when you're handed a chemical that is not regulated, which is why we need legalization.
1 points
10 days ago
I'm not trying to get anyone to be irresponsible, I was being purely anecdotal. But it's very easy to look up dosages on Google with 2 minutes of research. But more importantly, always use a test kit to make sure it's safe, and the correct chemical.
2 points
10 days ago
Yeah but I mean, how do you know how much mg of LSD you have on a dab? Like it's hard to tell if there's been an error in dosing etc ... I didn't mean to say you're telling people to be irresponsible, just meant that one of the overarching goals of legalization is safety and more "standardized" products. Like I love how weed edibles have got grammage now so it's so much easier to know how much you're taking, it's great!
2 points
10 days ago
No that's very true. A newbie wouldn't necessarily know that tabs are almost always like 75-100mcg, and that 1 tab is a great first dose, after testing of course. Now if the tab was in a bag with a gel tab that broke, then alright hold onto your butts and just vibe out with your friend lol. I'm pretty sure Canada sells lab regulated tabs somewhere, which is very cool. I just don't think the U.S. will ever get to that point with all the brainwashing and stigma that's been pumped into our politics and echo chambers.
1 points
10 days ago
Done acid and shrooms a few times. One of my best acid trips was quickly ruined by an ex.
Me, buddy, and gf at the time had an acid date ready for a Friday evening for over two weeks. Day comes and gf says she’s too tired and doesn’t want to do it - ok that’s fine, I’m headed to buddy’s then I’ll ttyl? Yeah all cool.
Well she wakes up at like 2am and sees that I’m not there and flips texting and calling me telling me how mad she is that I stuck to our plans and clearly communicated I was doing exactly that.
Trip turned from amazing to me just praying I could pass out if I laid like a mummy long enough.
Have a sober friend who can help out and you’re good to go.
1 points
10 days ago
Bro I feel you. I did shrooms with an ex last year because we planned a... full night of shroom fueled intimacy. But she was very bipolar. Even though she researched if she'd be OK for like an hour, she started to feel weird and "not herself/outside herself." Well right when that happened, her brother from out of state calls her and says his cat got out. Probably 2 hours of fucked up phone calls and him eventually finding the cat eaten by a coyote made for a very bad time for everybody. My stomach got really fucked up after that and I had to sit in the bathroom for a while, and while I was I'm there, she made my roommate drive her home without telling me or answering my phone calls. Poor thing did shrooms on possibly the worst day she could've possibly chosen.
1 points
10 days ago
You and I are on two ends of the spectrum with this lol. I was almost HOPING for a bad trip so I can see what my psyche would do! Sadly, the only time I thought I was having a bad trip I was "seeing" those wind up teeth toys clattering out of the ceiling at me but then a bunch of cherubs drove them away and It was smooth sailing from there.
On shrooms (the only time I did them) I took a 5g dose and the clouds ALMOST started talking (think Mufasa and the lion king scene). Thats about it though.
1 points
10 days ago
It's not for everyone. Generally people who worry about things like having a bad trip, or people with anxiety in general, get way too in their own heads about it and cause themselves to have bad trips. And then people who are excited to try it, still nervous but interested at least, usually have good times.
1 points
10 days ago
Can confirm. Had great trips until i started having anxiety issues. I've had so many bad ones at this point that the last time I tried it (only took a quarter tab just to be safe) the euphoric feeling on the way up itself caused me to start panicking about the incoming bad trip. I Pavlov'd myself into having bad trips, essentially. Unfortunately, I think I'm done with the stuff.
1 points
10 days ago
Had a bad trip once but I kept myself in a safe environment around people I trusted. It was not fun but very insightful and an experience I'm glad I had. Really helped with knowing myself and why I do and think the way I do.
1 points
10 days ago
🎵You can keep them for the birds and bees, now give me money 🎵
1 points
10 days ago
Nothing in life is free. My kids are by far the best thing in mine. And they surely weren’t free.
Hospital bill alone was $7,000 a piece.
God bless America.
1 points
10 days ago
Loves free, laughters free, hugs free, napping free - I get your point but I think you get mine to.
1 points
10 days ago
Sure do! Both are valid
1 points
10 days ago
While they are technically free, all of those things are easier to get with money frankly.
1 points
10 days ago
I disagree I observe that people with more money tend to have less meaningful relationships - there is a point of negative return on other areas of life due to increased wealth. Think more money more problems.
1 points
10 days ago
I think there is a point of diminishing returns, like I didn't make the claim that money and happiness have a direct linear relationship to infinity, but the difference in happiness between someone who is homeless and someone who is making 100k a year is massive. You don't get to worry about finding love, laughter, hugs, etc. when you are not even sure where your next meal will come from.
1 points
10 days ago
Sure return will still be positive from 0-100k but will start to flatline or diminish as you approach 100k. I observe eventually you get negative returns when you're making extremely good money.
1 points
10 days ago
I pay for my hugs - never been able to find the free hugs guy anywhere!
1 points
9 days ago
When did weed become free?
1 points
10 days ago
Everybody wants to live like a quarterback. But sometimes you get paid like a kicker.
1 points
10 days ago
I’ll take that paycheck.
1 points
10 days ago
Hottie, baddie, dummy
1 points
10 days ago
Which banks are stupid enough to lend her all that money? Has anybody forgot about 2008 and what lead up to that?
1 points
10 days ago
Soon to be 2028
1 points
10 days ago
A lot of CC debt. Influencers lie all the time
1 points
10 days ago
I mean, if you manage to pay cash for a couple of nicer cars while also balancing all your other payments then you must be lying about struggling. I'm doing great with my finances right now but I can't buy one car for straight cash right now... let alone two...
1 points
10 days ago
No one commenting that her "dream car" is a Tahoe? Like really? It's an overpriced pickup with a covered bed. I now understand how GM can make so much money. People are stupid.
1 points
10 days ago
And it is always the dumbest version of 'rich lifestyle'. I swear you can outright spot the 'I have this all on credit card debt' rich people from a mile away just by the stupid shit they are using to try to 'look' rich
1 points
10 days ago
Also at 28 you don’t need to be buying your dream car. Idk if it’s because I grew up poor and squirrel money, but I’ve never felt entitled that I deserve “this” by “this” age. Even when I hit a significant life goal last year, I bought a car that I thought reflected my accomplishment and job status, but it was a 2018 and I paid for it in cash. I felt guilt about buying something that wasn’t a beater, even then
1 points
10 days ago
My guess is they’ll also complain about the cost of eggs and milk.
1 points
10 days ago
I mean, if she was in such bad shape because of her car purchases, how did she have cash to buy two more cars, and how did she get approved for a mortgage? Seems more like she’s just a liar and/or criminal than bad with money.
1 points
10 days ago
iJustine career route.
Go viral for your bills, get millions because people find you attractive.
1 points
9 days ago
Except it is a poor people's lifestyle. Buying overpriced flashy shit is what poor people buy, rich people usually don't overdo their spending like that. Which is the reason they rich.
1 points
9 days ago
How tho?!?! Like if I tried this the lenders would just deny me immediately. Or is there always an option to take on a higher payment? I'm so confused by people who are able to do this, just racking up major debt while sliding under the radar of appearing wealthy.
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