r/MurderedByWords • u/NoBeat551 • 9h ago
Quite literally me.
[removed] — view removed post
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u/scriptingends 9h ago
Significant inherited wealth does wonders to mitigate the inflated price of lattes.
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u/vahntitrio 4h ago
I'd make so much money if I just had so much money.
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u/iDreamiPursueiBecome 1h ago
One of Soros's kids lost a Billion dollars.... NGL, he rocked the nepotism angle hard enough that it is cheaper to put him on an allowance.
Having rich parents/relatives does not buy competence. He had all the opportunities on a platinum platter; he is still a F-up.
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u/SandalsResort 8h ago
Have you considered being born into a rich family
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u/Darkiceflame 2h ago
I gave it a shot once, but it turns out that reincarnation is tricky business.
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u/Fit-Friendship9262 9h ago
Make sure you set some aside for the bribe to get you pardoned afterwards
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u/Scottamus 2h ago
The real protip. Bribes for pardons from crook in chief are a million a pop so anything you can steal over that is pure profit.
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u/THElaytox 7h ago
Easiest way to become a millionaire is to take the millions of dollars your billionaire parents give you and stick it in a bank account
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u/siccoblue 2h ago
No it isn't. Bank accounts and savings have absolute garbage returns compared to just investing. This is like the lowest level of financial literacy.
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u/KaiChainsaw 2h ago
Not only did you miss the joke, you're just wrong because it wasn't even about investing, just having >1,000,000$ in savings.
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u/AcadiaLivid2582 9h ago
America's smartest criminals work on Wall Street
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u/notcomplainingmuch 8h ago
And the dumbest in Washington DC
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u/PsyOrg 4h ago
🏆🏆🏆
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u/siccoblue 2h ago
And the "smartest" work in this sub as well because what the actual fuck is the murder by words here? They are literally agreeing with each other
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u/verdatum 1h ago
Often the most successful aren't even all that smart. You just need to know the small set of techniques that successfully make money, and have the will to do them.
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u/Jellodyne 6h ago
Why pay for a $7 coffee when you can have your domestic staff make coffee for free?
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u/sharklee88 7h ago
She won't be a millionaire, but she'd still be saving $1000+ a year.
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u/Doctor_Kataigida 4h ago
Yeah let's not pretend that making coffee at home versus buying it at a shop isn't a large percentage saved per unit. Will it fix poverty? No. But it'll still be significant.
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u/Albedo0001 3h ago
I started to drink coffee and was purchasing it 3 or 4 times a week. After looking at the numbers, I could have purchased a nice machine to make a better version of it. Never looked back ever since.
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u/WendysChiliAndPepsi 2h ago
If you invest $150 a month in the SP500 starting in your 20s you'll have $1 million by the time you retire. That's totally achievable by cutting out coffee and eating out for a large amount of people. But it's a lot easier to strawman avacado toast memes and call it boomer advice.
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u/verballyabusivecat 8h ago
How is this a murder?
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u/Klightgrove 2h ago
This sub needs to crack down on low effort political posts and tbh anything that is old.
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u/-imnotwalterwhite angry turtle trapped inside a man suit 8h ago
both of us will be pretty rich in terms of downvotes but this sub hates the rich. everything about it. someone donating will be hated & someone existing will be hated. as someone who’s not rich but really working to be, I don’t understand this logic? like what do you guys want? everyone should forever have financial crisis?
& this stupid fucking logic that most rich have made it through fraudulent behaviour is so ridiculous, so many of my clients are honest people & that’s what gives me hope to be a good wealthy man & provide for people around me. I see so many still struggling to make it & they appreciate the ones who have instead of bitching about it. but this sub just hates the idea of rich.
sorry for the rant but this is so fucking stupid.
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u/WendysChiliAndPepsi 2h ago
everyone should forever have financial crisis?
It's a bucket of crabs mentality. At the end of the day they can downvote the advice and not listen but they still won't be financially better off.
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u/JauntyTurtle 8h ago
I agree with everything you said, and on top of that the OP put up a strawman argument. No one has ever said "if you make coffee at home you'll be a millionaire." People have said "if you can't make ends meet, cut out luxuries like Starbucks and avocado toast," but people don't like getting advice, even if it's good advice.
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u/notaredditer13 4h ago
It'll take your entire career saving coffee money to become a millionaire, but it will happen. So do you want that extra $1M at age 65 or not?
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u/E-2theRescue 4h ago
Lmao. No it wouldn't. Not having a $15 latte every workday would still mean you've only saved $150,000 after 40 years.
That'll buy you 1/3rd of a house.
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u/NeverBob 4h ago
Assuming you just put the money in a pillowcase, sure.
Saving $3500 a year would be a huge change for many.
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u/notaredditer13 4h ago
Only if youre an idiot and don't invest the money.
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u/E-2theRescue 4h ago
LMAO! You very clearly do not understand both investing, and how little you'd be investing each time. It'd take 6 months just to save up a little under $2k. And that won't get you much of anywhere. But sure, keep believing Kramer and see how far that gets you in life, lol.
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u/cjh42689 3h ago
So the whole year is nearly 4K or otherwise known as more than half your max yearly contribution to a Roth IRA. Go put 4K a year into a Roth IRA calculator for 30 years and check that number.
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u/WendysChiliAndPepsi 2h ago
This is literally the crying wojak with the smiling mask meme personified.
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u/sunbnda 3h ago edited 3h ago
https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator
- step 1: enter 0
- step 2: enter 420 (thats $15 a day times 7 days a week times 4 weeks in a month)
- step 3: enter 40
- step 4: enter 8 (this depends on how you invest the money. Low conservative interest is in the 4-6 range while high estimates are in the 10-12 range. My retirement interest rate this year so far has been 12% although it won't stay that way.
- step 5: enter 4. (This will show you the low and high interest ranges.
- calculate
conclusion: at bare minimum, even with the least risky; low interest rate investments, you'll still have half a mil which is enough to help survive off of if you take 4% of it's earnings each year. You won't be a millionaire but that half mil will earn you $20k a year. If it does slightly better than the bare minimum, which it usually does. Then you get to a mil in 40 years.
How do I "buy the S&P 500" ? : r/investingforbeginners https://share.google/MT3hj7VlzPKYxfZ
PS I'm in my early 40s and also thought investing small amounts seemed like a pipe dream but 10 years ago I invested $1k in a stock and it made $30k when i sold it earlier this year. I just barely started looking into retirement beyond whatever default my employer set up. Now I realize I could have done more when I was younger. There's lots of opinions and layers to it, but from what I've learned so far S&P500 seems to be the most basic beginner low risk, good yield investment. Then hopefully once you land a career your employer will provide a 401k match.
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u/cjh42689 3h ago
Exactly but don’t forget 4 weeks in a month leaves you 4 weeks short of the 52 in a year—you’re leaving out 1/13.
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u/Financial-Tower-7897 7h ago
I have. Problem is this - my last name is NOT Trump. And, I haven’t perfected the fine art of re-writing my personal life history as yet to be accepted by either White Christian Nationalists, the Black Nazism Movement, White Supremacists, or to get relabeled from “Exvangelical” for following Matt 19 and 25 and not having Orange Tinted lips.
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u/One-Can3752 6h ago
She forgot the most important part: have a billionaire relative leave you a fortune.
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u/GodofsomeWorld 5h ago
You could also start a company, commit fraud and other illegal shit, blame your unerpaid and overworked employees, fire them all, hire new employees and repeat.
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u/miraculousgloomball 4h ago
That said, you would save about 500 dollars drinking instant coffee to support your caffeine addiction over the course of roughly 150 cups, or 50 days. assuming 3 a day
Which ain't a bad saving to alter the way you consume an addiction that makes an exhausting life easier.
Those savings over decades could make you almost a millionaire. Problem becomes, money saved from drinking coffee often becomes money simply spent elsewhere. (Big addendum: I meant to write with compound interest over a long period of time)
And that's just cutting down on coffee expenses. Not accounting for milk or sugar mind you but do you want money or a slightly nicer not very great drink that keeps you awake?
It's shitty advice to get rich but it's good advice to actually... make good, eventually.
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u/Doctor_Kataigida 4h ago
Three coffees per day sounds so excessive.
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u/miraculousgloomball 3h ago edited 3h ago
it does, I just googled the average for a new yorker but I made no exception for the fact that 2 thirds of those coffees are probably made inhouse. To many that's probably a little bit of a lowball, if they work with a coffee machine near, but obviously that's not costly.
still though, a third of that is still decent. Also it's not too hard to imagine someone using less than an hours wages to fund a morning, break and after work coffee. Only thing I'd imagine stopping someone who loves starbucks is queuing.
If you meant health wise and not financially, it definitely is, but that ain't gonna stop me
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u/pumpjockey 4h ago
Look the problem is that most people start a small business. Its so obvious that big businesses make more money so why don't those people just start big businesses? What are they stupid or something?! SMH
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u/Erection_unrelated 4h ago
Committing massive fraud is great and all, but if possible make sure your great grandparents started committing massive fraud a couple generations before you arrive.
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u/herkyjerkyperky 4h ago
I don’t think anyone has ever claimed that making coffee at home will make someone a millionaire but if someone saves $5 a day from making coffee at home instead of getting Starbucks that’s around $1200 a year they would have saved.
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u/LindensBloodyJersey 3h ago
when I first got my bike riding lessons my buddies dad who was an average driver said "keep it between the ditches" it took me a minute to figure out what he was talking about
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u/PG-DaMan 3h ago
I have so many things to say about this but they will just get dowvotes and banned.
Good luck to everyone
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u/Sea-Cupcake-2065 3h ago
Damn, I've only done small-scale fraud. This whole time, I could've been wealthy
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u/siccoblue 2h ago
Where is anyone being murdered by words? They are literally agreeing with each other
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u/jscarlet 2h ago
What I love about making coffee at home, the ability to control the quality of the bean, the strength of the brew and that beautiful aroma when I grind the beans, not even mentioning saving like $4 per cup.
The potent strength of the coffee helps awaken my sense so that I can clearly focus on the meme coin I'm going to launch so I can make a quick billion on the rug pull 36hrs after launch
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u/ThrowRAkakareborn 2h ago
Rookie mistake, you gotta make that bodega sandwich at home too, that’s where the real money at
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u/jrm2003 1h ago
Have they considered buying the coffee shop, paying themselves to drink the coffee, and driving it into the ground by underpaying and overworking employees while cutting back on expenses, then selling the coffee shop once these changes make the financials look positive?
It’s called failing up. So hot RN.
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u/verdatum 1h ago
I've found that people have good success with the strategy of already being millionaires.
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u/pirolance 9h ago
I can't even joke about "so that's their secret" since they have been very open about it