ag94whoop said:

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Have y'all looked at the houses first time home buyers are getting?
They are 50-70% larger than houses were 20-30 years ago, with "standard features" that were the top end upgrades from 20 years ago. Cars are getting so expensive it's getting out of control and yet they are in so much demand you can't get one. I read an article the other day saying 5that nationally the average college graduate "expects" to earn $85k straight out of college and over $200k within 5 years.
The problem is that companies can't afford to pay that without drastically increasing prices.

I know so many people who live paycheck to paycheck

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ag94whoop said:

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$30,000 Millionaire said:

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ag94whoop said:

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Have y'all looked at the houses first time home buyers are getting?
They are 50-70% larger than houses were 20-30 years ago, with "standard features" that were the top end upgrades from 20 years ago. Cars are getting so expensive it's getting out of control and yet they are in so much demand you can't get one. I read an article the other day saying 5that nationally the average college graduate "expects" to earn $85k straight out of college and over $200k within 5 years.
The problem is that companies can't afford to pay that without drastically increasing prices.

I know so many people who live paycheck to paycheck

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I am paying new grads $85K plus

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I will send my son your way when he graduates

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$30,000 Millionaire said:

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ag94whoop said:

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Have y'all looked at the houses first time home buyers are getting?
They are 50-70% larger than houses were 20-30 years ago, with "standard features" that were the top end upgrades from 20 years ago. Cars are getting so expensive it's getting out of control and yet they are in so much demand you can't get one. I read an article the other day saying 5that nationally the average college graduate "expects" to earn $85k straight out of college and over $200k within 5 years.
The problem is that companies can't afford to pay that without drastically increasing prices.

I know so many people who live paycheck to paycheck

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I am paying new grads $85K plus

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$30,000 Millionaire said:

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Prognightmare said:

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Yep, and if you try to give them advice they're like, "ok boomer", even though I'm Gen X.

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funny story, I got asked by some line managers on my team if I'd meet with a promising new grad. Of course, I am always up for that. MoFo shows up to the meeting wearing a backwards baseball hat. Is that really the impression you want to set? I didn't say anything to him, but sheesh.

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Farmer @ Johnsongrass, TX said:

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cptthunder said:

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Farmer @ Johnsongrass, TX said:

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cptthunder - did not connect withmy bud on Sunday. Looking to connect today.

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Thanks for the heads up, really appreciate it

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Talked to my bud. He had no comments on IPI or potash. He did not believe the price fixing/counter vale duty applied to more than phosphorus/phosphates.

I'm am going to wait until June to see if the market pulls back. Somewhere between Now and July 2021 I'll be establishing a position in MOS. It will likely be a 2 to 3 year hold with expected positive performance along the way.

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ag94whoop said:

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I know so many people who live paycheck to paycheck

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Rice and Fries said:

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ag94whoop said:

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Have y'all looked at the houses first time home buyers are getting?
They are 50-70% larger than houses were 20-30 years ago, with "standard features" that were the top end upgrades from 20 years ago. Cars are getting so expensive it's getting out of control and yet they are in so much demand you can't get one. I read an article the other day saying 5that nationally the average college graduate "expects" to earn $85k straight out of college and over $200k within 5 years.
The problem is that companies can't afford to pay that without drastically increasing prices.

I know so many people who live paycheck to paycheck

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Part of the problem - House flipping has eroded supply from the first time buyers with older homes that have some slapstick paint job/half as$ed renovation and an increased 20% purchase premium. Then you have other potential homes for first timers being bought up by investors to be rented out, further eating into the supply.

Or the alternative of buying a newer house in BFE that's an hour and half away one way from work that fits in the price range.

Go ahead and point out the supply that works for first time home buyers in their price range....

Has anyone noticed every new apartment community is called a "luxury" apartment? Or any renovated apartment is tried to be rebranded as luxury?

And then you have experts pointing out America's declining birth rates because my generation is delaying kids longer and longer because they want to either be more financial secure (aka have more income) or don't want to raise kids in an 2bedroom apartment.

Have any of y'all seen what daycare costs now days? I can keep going, but this is the fault lies with those who feed the aspect of consumerism, how you always need more, always peddling crap and buy this and buy that. They wouldn't be peddling the stuff if it didn't work... but it does. And the cheap access to credit doesn't help matters with people living above their means.

My wife and I are always baffled about how our friends can go and buy/lease this car, or go on that trip and have this newest item. We live within our means, put down 20% on our house, drive paid off cars and save adequately for retirement and sometimes it still does feel like we are living paycheck to paycheck or doing something wrong.

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bmoochie said:

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ag94whoop said:

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Have y'all looked at the houses first time home buyers are getting?
They are 50-70% larger than houses were 20-30 years ago, with "standard features" that were the top end upgrades from 20 years ago. Cars are getting so expensive it's getting out of control and yet they are in so much demand you can't get one. I read an article the other day saying 5that nationally the average college graduate "expects" to earn $85k straight out of college and over $200k within 5 years.
The problem is that companies can't afford to pay that without drastically increasing prices.

I know so many people who live paycheck to paycheck

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This. I hate being looped in with this crowd. Graduated in 2012 and made $38k and was over the moon happy. No real bills and was single and just enjoyed life. Continued to work my ass off and pay my dues and finally just hit a 6 figure income because I put in the work and time and stayed with the same company to advance. No one wants to do that anymore. We had a person just last year come in for interview asking for $100k for entry position. It baffles me.

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Rice and Fries said:

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ag94whoop said:

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Have y'all looked at the houses first time home buyers are getting?
They are 50-70% larger than houses were 20-30 years ago, with "standard features" that were the top end upgrades from 20 years ago. Cars are getting so expensive it's getting out of control and yet they are in so much demand you can't get one. I read an article the other day saying 5that nationally the average college graduate "expects" to earn $85k straight out of college and over $200k within 5 years.
The problem is that companies can't afford to pay that without drastically increasing prices.

I know so many people who live paycheck to paycheck

---

Part of the problem - House flipping has eroded supply from the first time buyers with older homes that have some slapstick paint job/half as$ed renovation and an increased 20% purchase premium. Then you have other potential homes for first timers being bought up by investors to be rented out, further eating into the supply.

Or the alternative of buying a newer house in BFE that's an hour and half away one way from work that fits in the price range.

Go ahead and point out the supply that works for first time home buyers in their price range....

Has anyone noticed every new apartment community is called a "luxury" apartment? Or any renovated apartment is tried to be rebranded as luxury?

And then you have experts pointing out America's declining birth rates because my generation is delaying kids longer and longer because they want to either be more financial secure (aka have more income) or don't want to raise kids in an 2bedroom apartment.

Have any of y'all seen what daycare costs now days? I can keep going, but this is the fault lies with those who feed the aspect of consumerism, how you always need more, always peddling crap and buy this and buy that. They wouldn't be peddling the stuff if it didn't work... but it does. And the cheap access to credit doesn't help matters with people living above their means.

My wife and I are always baffled about how our friends can go and buy/lease this car, or go on that trip and have this newest house/item. We live within our means, put down 20% on our house, drive paid off cars and save adequately for retirement and sometimes it still does feel like we are living paycheck to paycheck or doing something wrong.

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FJ43 said:

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Rice and Fries said:

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ag94whoop said:

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Have y'all looked at the houses first time home buyers are getting?
They are 50-70% larger than houses were 20-30 years ago, with "standard features" that were the top end upgrades from 20 years ago. Cars are getting so expensive it's getting out of control and yet they are in so much demand you can't get one. I read an article the other day saying 5that nationally the average college graduate "expects" to earn $85k straight out of college and over $200k within 5 years.
The problem is that companies can't afford to pay that without drastically increasing prices.

I know so many people who live paycheck to paycheck

---

Part of the problem - House flipping has eroded supply from the first time buyers with older homes that have some slapstick paint job/half as$ed renovation and an increased 20% purchase premium. Then you have other potential homes for first timers being bought up by investors to be rented out, further eating into the supply.

Or the alternative of buying a newer house in BFE that's an hour and half away one way from work that fits in the price range.

Go ahead and point out the supply that works for first time home buyers in their price range....

Has anyone noticed every new apartment community is called a "luxury" apartment? Or any renovated apartment is tried to be rebranded as luxury?

And then you have experts pointing out America's declining birth rates because my generation is delaying kids longer and longer because they want to either be more financial secure (aka have more income) or don't want to raise kids in an 2bedroom apartment.

Have any of y'all seen what daycare costs now days? I can keep going, but this is the fault lies with those who feed the aspect of consumerism, how you always need more, always peddling crap and buy this and buy that. They wouldn't be peddling the stuff if it didn't work... but it does. And the cheap access to credit doesn't help matters with people living above their means.

My wife and I are always baffled about how our friends can go and buy/lease this car, or go on that trip and have this newest house/item. We live within our means, put down 20% on our house, drive paid off cars and save adequately for retirement and sometimes it still does feel like we are living paycheck to paycheck or doing something wrong.

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Don't know your friend but they may be highly leveraged. Most are and live 'Facebook' lives where the image isn't the reality.

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FJ43 said:

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Ragoo said:

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I wear my Richardson "trucker" hats backwards. I wear a teal one most often when running. A white one when just hanging out or my black/grey mastercraft when I want people to know how cool I am. I also like wearing jogger pants and colorful running shoes.

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But...would you wear it to an interview with 30k in his office?

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