dad talk time

i am begging you

stop buying expensive new shit

buy cheap new shit or good used shit

there is no reason to pay $2000 for a couch or to ever buy a new car https://twitter.com/eigenrobot/status/1338573332090785794
do you want nice clothes? thrift your suits and get them cleaned and tailored, they'll look great and most likely be higher quality than new stuff

this is my entire wardrobe
layaway is a massive scam and should probably be illegal

never do this
"im taking out this loan to improve my credit score" NO you are letting yourself get scammed as an excuse to buy something you cant afford
there are only two real credit scores "good enough" and "shit" and if you want to try to game this you are probably in the second bucket and you should simply stop buying shit for a while
stop buying extended warranties and protective coatings ffs
expensive new status object does not actually make you seem rich it makes you look like someone who has been scammed by marketers

actual rich people generally drive inconspicuous cars and rich people who drive flashy shit are (i) boys, (ii) midlife crisis ppl, (iii) eccentrics
do not buy apple products buy a shitty android and use it for five years https://twitter.com/ITBeHa/status/1338578651282083841?s=19
stop talking to people on the phone https://twitter.com/bitemyapp/status/1338579574771359744?s=19
that is unrelated I just hate phone calls
stop paying for media most tv shows and movies are available for free if you have a VPN
play old video games

video games made after 2009 are expensive and require lots of graphics hardware better used for crypto mining
if you must have a fast computer build a desktop yourself parts are cheaper and better than prefab stuff and you will learn something about your Tools, there are few scams greater than @alienware
never pay for an OS learn to use linux or learn to pirate windows microsoft will not notice your nonpayment really
after a certain point its more about the mindset than about the specifics not wasting money on scams is a Way not a flowchart https://twitter.com/yashkaf/status/1338582520741367809?s=19
"oh you maxxed your credit card to take a $10k trip to Europe that's cool I had a great time this month with my $15 WoW subscription and some audiobooks"
im dead serious about this there are few things more fun than this and you learn so much

cultivate a taste for cheap hobbies https://twitter.com/eigenrobot/status/1259372865742200833?s=19
apparently there was an influential Thiel fellow lecture about this

dont remember where I read this but the guy just went on a tear on this

"never drink expensive whiskey! its genuinely better and you dont want to have to pay for that taste! good coffee is fine, its cheap!"
conventional wisdom is that spending a lot on a mattress is fine and I used to believe this but I've learned too much see link (old Slate) its all Scam

i currently sleep on a custom futon mattress on tatami

linen sheets are actually worth it though https://www.google.com/amp/s/slate.com/human-interest/2000/11/going-to-the-mattresses.amp
just look at this shit
you can get a lovely hardwood platform bed on Amazon for a few hundred bucks, they are extremely sturdy and disassemble for moving https://smile.amazon.com/dp/B000KV3B14/ 
here is my favorite pair of shoes (need to be polished)

they would have cost several hundred of dollars new

i picked them up for $15 at Value Village in 2012 and once paid $50 to have them resoled

im still on my first tin of polish

Amortize That
favorite sport coat, like new condition

$25 at thrift store in 2014(?), $70 for tailoring

full canvas

fits like a dream

would have been at least many hundreds buying directly from brooks
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