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renting a $7,500/mo penthouse, decadent or merely shrewd?
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Date: January 10th, 2018 6:21 PM Author: nofapping frozen milk stead newly single. biglaw/elite boutique senior level associate. make ~$300,000 base + bonus + $40-50,000 at my side hustle. no loans or debt apart from $500/mo car payment. net worth is around $500,000.
was just looking to move into a nice 2 br at one of the luxury blds in my city but took a tour of a sick penthouse for grins and now i'm thinking of pulling the trigger.
decedent or shrewd? |
Date: January 10th, 2018 6:22 PM Author: lascivious abode so like 40% of your post-tax income? LJL (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127241) |
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Date: January 10th, 2018 6:25 PM Author: nofapping frozen milk stead monthly income/3 is a pretty common metric for rent little breh (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127270) |
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Date: January 10th, 2018 6:28 PM Author: lascivious abode if by common you mean retarded, then yes (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127292) |
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Date: January 10th, 2018 6:29 PM Author: nofapping frozen milk stead (actual retard) (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127300) |
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Date: January 10th, 2018 6:32 PM Author: lascivious abode (pumo running weak ass flame) (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127315) |
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Date: January 10th, 2018 6:54 PM Author: Arrogant Glittery Jap (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127525) |
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Date: January 10th, 2018 6:50 PM Author: Sepia elite philosopher-king mexican (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127495) |
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Date: January 10th, 2018 7:02 PM Author: Boyish Partner Stage Lol, have fun! (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127578) |
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Date: January 10th, 2018 6:23 PM Author: White useless dog poop too spicy (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127251) |
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Date: January 10th, 2018 6:23 PM Author: adventurous sanctuary worth it to do this for one year if you are a player and can host sick parties and get 10/10 quality poon. otherwise waste of money to sit in the penthouse and post on xo/order ubereats (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127252) |
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Date: January 10th, 2018 6:29 PM Author: nofapping frozen milk stead i'd by lying if i said pussy had nothing to do with it. just got out of a relationship with an 8 that i got tired of fucking. granted, a 5'7 dork isn't going to smash like an NBA player because he has a nice apt, but at the margins it might make a difference and a playa wanna stunt. (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127299) |
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Date: January 10th, 2018 6:31 PM Author: adventurous sanctuary also depends on the city. if its SF or NYC dont bother. you can never impress chicks there with your "penthouse" (maybe in harlem for 7500) when real ballers can do private jets and 30M penthouses
if its a secondary city it maybe worth it as long as you have good game and then it can help make your bumble 7s into part time model 9s |
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Date: January 10th, 2018 6:35 PM Author: nofapping frozen milk stead not nyc/sf. major city but a playa can definitely flex and stunt here to impress some talent. (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127340) |
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Date: January 10th, 2018 6:41 PM Author: lascivious abode rook, (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127421) |
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Date: January 10th, 2018 6:49 PM Author: nofapping frozen milk stead risten! (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127482) |
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Date: January 10th, 2018 8:22 PM Author: Diverse chocolate stage Seattle isn't a major city gook (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35128157) |
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Date: January 10th, 2018 6:51 PM Author: Sepia elite philosopher-king mexican (5'5" jewbro with lifts) (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127498) |
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Date: January 10th, 2018 6:51 PM Author: nofapping frozen milk stead lol not a kike (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127504) |
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Date: January 10th, 2018 8:22 PM Author: Diverse chocolate stage (either a gook or a 5'6'' paunchy bald jew) (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35128153) |
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Date: January 10th, 2018 6:38 PM Author: hairraiser resort twinkling uncleanness Mods!! (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127370) |
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Date: January 10th, 2018 6:55 PM Author: Arrogant Glittery Jap Its most definitely not the former (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127530) |
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Date: January 10th, 2018 6:25 PM Author: Crusty shaky meetinghouse doctorate At that point you should just buy something. (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127271) |
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Date: January 10th, 2018 6:31 PM Author: nofapping frozen milk stead why? i don't know what to buy and i'm not sure i want to be in my city in 2-3 years.
you can get a $2,500/mo mortgage too. it's dumb to say that at a certain number of spend it only makes sense to buy rather than rent. |
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Date: January 10th, 2018 6:36 PM Author: Crusty shaky meetinghouse doctorate If you don't know if you want to be in the same location within the next 2-3 years then I wouldn't buy. If you were confident that you wanted to sit tight for at least 4-5 years, if you're willing to spend $7,500 on rent, then I'd recommend purchasing. But this is a moot point because I would basically never buy if I had a sub-36-month time horizon since the transaction costs will kill you.
This rent vs own topic btw has been discussed endlessly here. I think the general impression which emerges (some MFE can swoop in and correct me) is that the higher the contemplated rent, all else being equal, the more it makes sense to just bite the bullet and purchase assuming you have sufficient capital for the downpayment. I think that analysis still holds in 2018 although Trump's tax plan softened the case somewhat due to the changes to the mortgage interest deduction cap. |
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Date: January 10th, 2018 6:43 PM Author: nofapping frozen milk stead yeah if i knew for sure i'd be here the next 5 years i'd probably buy but i might jet for another city. (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127446) |
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Date: January 10th, 2018 6:46 PM Author: Sticky house sandwich Lol with $500k net worth, he doesn’t have the down payment to buy anything decent. (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127470) |
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Date: January 10th, 2018 6:49 PM Author: Crusty shaky meetinghouse doctorate If, in this flame, he's the sort of guy who'd do a $7.5k rental on an ~$400k all-in income I'd surmise he's the sort of guy who'd be willing to take $300k from that little egg for a down-payment on a $1.5m condo. Or, hell, live more on the edge and bump it to $2m, pay a little PMI baby. That's decent enough. (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127483) |
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Date: January 10th, 2018 7:57 PM Author: Onyx Pit Multi-billionaire lol at "decent" excluding anything under $2.5 million (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127961) |
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Date: January 10th, 2018 6:35 PM Author: Appetizing gas station ladyboy Seems rather sad tbh. (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127346) |
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Date: January 10th, 2018 6:39 PM Author: hairraiser resort twinkling uncleanness I like you bro but you spend $100 a month on food. This pumo is talking luxury (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127390) |
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Date: January 10th, 2018 6:54 PM Author: Appetizing gas station ladyboy I'm not preaching asceticism. I just find excess off-putting and vaguely immoral, and that's exacerbated by the fact he's alone and motivated by pussy-chasing after splitting with an 8 he "got tired of fucking." I don't think that sort of life aligns with true flourishing. (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127521) |
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Date: January 10th, 2018 7:13 PM Author: hairraiser resort twinkling uncleanness God damnit you’re right (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127671) |
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Date: January 10th, 2018 7:30 PM Author: nofapping frozen milk stead i think you're making some good points tbh.
poster above brought up whether my motivation in doing this was to get girls. i agreed that was part of the motivation, but tbh i think that's true of almost everything most guys do: what car they buy, what profession they strive for etc.
that doesn't mean that's the sole determinant or motivator--of course that would be myopic and silly.
so while i admitted that 'will this impress girls?' flashed across my mind at some conscious or semi-conscious level when considering the apt, i'm not some 17 y/o fantasizing what it must be like to be making mid six-figures i.e. "rich" and, naturally, bedding a different VS model nightly.
i think getting out of my relationship informs the decision in a more significant way: being out on my own for the first time in 2-3 years and not having every life decision be a compromise about *our* apt, *our* budgeting, *our* one, five, and ten year goals. partly i just want to have something cool on *my* own. feel like i maed it, and that's how the PH unit made me feel when i toured.
i can understand saying there's something off-putting about throwing money at something superficial that is by nature an impermanent indulgence. on the other hand, what am i saving for exactly? i'm not a christmo like you so afaik i only have this brief time on earth to enjoy. what's the point of renting something "nice enough" for $2,500/mo and watching the extra $60k tick up by 3-7% over the year in some ScottTrade acct? |
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Date: January 10th, 2018 8:17 PM Author: Appetizing gas station ladyboy This is a thoughtful answer and you make several understandable points.
To be clear, I don't simply advocate against excess because I think it's against the rules to have nice things, nor do abhor all indulgence. I just think luxury should be limited and not a status quo or a constant pursuit/obsession. I think that, in the long run, restraint is better for one's happiness and overall flourishing.
I understand the desire to assert independence and feel like you've maed it. I value independence a lot myself, though I think that's better-obtained by having freedom of action, rather than making a showy purchase. Still, there's a genuine balance here, and I think my impulse is to just balance things in a more restrained direction.
"on the other hand, what am i saving for exactly?"
This may get to the heart of it. Life has to be lived for more than just striving and consumption, imo. Obviously for me religion helps there, but even non-Godmos can pursue family, relationships, community, a cause, whatever. There's a lot of ways money can help with those things. |
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Date: January 10th, 2018 8:23 PM Author: Diverse chocolate stage GOOK ALERT (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35128164) |
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Date: January 11th, 2018 8:44 AM Author: angry office Lol I knew this was an AZN but didn't know it was DVP until now (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35131289) |
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Date: January 11th, 2018 9:20 AM Author: Carmine Senate Masturbator Lmao you’re still going to be a douche who can’t get chicks in a nice apartment (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35131400) |
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Date: January 10th, 2018 6:40 PM Author: adventurous sanctuary at the end of the day almost everything is about chasing pussy and power. is it sad to buy a ferrari when you cant use even 5% of its capability outside a race track? take a hot date to a fancy restaurant when a meal at some hole in the wall is actually better tasting? (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127404) |
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Date: January 10th, 2018 6:40 PM Author: Crusty shaky meetinghouse doctorate (xo nietzsche) (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127410) |
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Date: January 10th, 2018 6:54 PM Author: Appetizing gas station ladyboy Tbh, yeah, both things are pretty sad. (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127527) |
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Date: January 10th, 2018 7:07 PM Author: Boyish Partner Stage Yes, actually driving a Ferrari on public roads is sad AF. I'm a real car guy, and 90% of the time I see a Ferrari on the street, I assume the guy is pathetic. (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127625) |
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Date: January 10th, 2018 7:15 PM Author: snowy sexy queen of the night Holy shit when you put it that way it seems totally pathetic (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127682) |
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Date: January 10th, 2018 6:38 PM Author: crimson faggot firefighter national What tier city? (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127378) |
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Date: January 10th, 2018 6:39 PM Author: hairraiser resort twinkling uncleanness Detroit (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127397) |
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Date: January 10th, 2018 6:39 PM Author: Crusty shaky meetinghouse doctorate (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127403) |
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Date: January 10th, 2018 6:40 PM Author: lascivious abode LJL (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127417) |
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Date: January 10th, 2018 6:51 PM Author: nofapping frozen milk stead my firm pays biglaw market (as do a few others) but it's not NY/SF/LA/DC/Chi (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127501) |
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Date: January 10th, 2018 6:39 PM Author: awkward alpha spot This will make no difference in who you fuck (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127398) |
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Date: January 10th, 2018 6:43 PM Author: adventurous sanctuary lol no. this will definitely help if he does it the right way. and if he has BLOW to share he can get 10/10 smoking models. but even without blow it helps you when you get bottle service and ask the chicks to come back home. better chance of getting laid with a penthouse with a sick view than some dingy 1BR
you have to meet minimum thresholds for the women sure and no incel is getting laid just bcos he has a penthouse. but it will definitely improve your chances of getting laid and the quality of women. if you have decent game and can bang 7s regularly then this will help you move up the food chain |
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Date: January 10th, 2018 6:52 PM Author: Umber Hateful Antidepressant Drug Place Of Business If a chick agrees to come to your place she already knows she's gonna fuck (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127505) |
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Date: January 10th, 2018 6:54 PM Author: chartreuse haunting macaca (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127519) |
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Date: January 10th, 2018 7:10 PM Author: adventurous sanctuary one on one sure. but not if she is coming with couple of more girls to join you and your friends after clubbing. having a sick pad will definitely help your chances then (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127658) |
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Date: January 11th, 2018 8:09 AM Author: abnormal internal respiration (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35131191) |
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Date: January 10th, 2018 6:53 PM Author: chartreuse haunting macaca i'm with julia on this. if you can game, ur can smash in a datsun or a place with a sunroom...it's basically up to you. if you want a baller crib, do you. but don't think about bitches as part of the equation. (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127517) |
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Date: January 10th, 2018 7:49 PM Author: nofapping frozen milk stead this kind of argument gets made reflexively on xo and while there is a kernel of truth in it, i think it's reductive and flat out wrong for people living in the real world.
for one thing, it's not all about girls. i admitted to the poster above who brought it up that that enters into the calculus (i think it does for almost all guys at some level), but that's not the only reason.
while any reason for doing this is hedonistic or self-indulgent on some level, i'm not entertaining some dumb fantasy that a 95lb dork getting sand kicked in his face for 30 years will somehow become hugh hefner by renting this apartment. and while i've been able to get laid just fine in a normal apt, in college when i was on finaid, etc., it's not like cool stuff has zero purpose in life or never makes a difference at the margins. plenty of girls (and guys) are impressed, at least on some level, by money, cool cars, and the like. and impressing those people is at least part of the reason people strive for those things. random xo poasters say "just do bigalaw for 4 yrs, live a monastic life with a mattress on the floor of a 300 sq ft storage space, payoff loans, and retire to thailand where you can live a 'chill' life running a small business giving glass-bottom boat tours" but i doubt anyone who's endorsed that path here has ever actually done it. |
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Date: January 11th, 2018 9:26 AM Author: lascivious abode Lmao @ any woman ever touching your creepy gook ass JJC (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35131415) |
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Date: January 10th, 2018 6:57 PM Author: nofapping frozen milk stead lol that's rich coming from a girl with wonky fake tits who spent years calling herself a "playboy playmate" to impress xo poasters and let saudi oil sheiks shit on her chest to pay her TTThunderbird student loans (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127542) |
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Date: January 10th, 2018 6:41 PM Author: Swashbuckling slippery party of the first part decadent but NOT shrewd (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127423) |
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Date: January 10th, 2018 6:50 PM Author: Sepia elite philosopher-king mexican Lol this is retarded (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127493) |
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Date: January 10th, 2018 6:52 PM Author: Umber Hateful Antidepressant Drug Place Of Business Retarded (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127508) |
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Date: January 10th, 2018 6:55 PM Author: Arrogant Glittery Jap (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35127535) |
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Date: January 10th, 2018 7:56 PM Author: nofapping frozen milk stead watch yourself LtDan. once i cop my sickkkk apt and have a harem of models i'm going to need a low IQ servile buttboy to hang around me, let me pay for drinks, and megapost defending me to my haters on xo whenever i'm busy having a tranny threesome or sleeping.
now i understand you've got that setup on lockdown presently, but it's always smart to keep a backup plan in mind for the future, especially with your daddy's BMI lately. even if he's told you he'll always take care of you w daddy's 9/11 $$$, most states cap the amount of money you can set aside in a will for the care and maintenance of a pet. you may need me someday. |
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Date: January 13th, 2018 7:20 AM Author: Galvanic Whorehouse how are you not ashamed and embarrassed by yourself (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35146156) |
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Date: January 13th, 2018 7:24 AM Author: nofapping frozen milk stead ? (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35146167) |
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Date: January 10th, 2018 8:21 PM Author: Diverse chocolate stage OP sounds very gooky and made up. jjc?
EDIT: After reading the entire thread 100% this is jjc. |
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Date: January 10th, 2018 8:26 PM Author: trip nowag stag film how about 3k place and 3k on seekingarrangement (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35128193) |
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Date: January 10th, 2018 8:49 PM Author: Navy tanning salon jewess Decedent? No. Decadent. Yes.
Shrewd? No. Shrew-like? Yes. |
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Date: January 11th, 2018 7:46 AM Author: Transparent selfie range LOL OP is same pumo as the insane spammer, def jjc. LOL at this broke NOWAG’s fantasy (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35131127) |
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Date: January 11th, 2018 8:46 AM Author: angry office I thought maybe DVP because of the long insane rambling unreadable poasts (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35131293) |
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Date: January 11th, 2018 9:57 AM Author: Transparent selfie range Sounds very jjc style to me (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35131545) |
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Date: January 13th, 2018 7:18 AM Author: Galvanic Whorehouse WHAT A FUCKING LOSER (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35146154) |
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Date: January 13th, 2018 7:21 AM Author: nofapping frozen milk stead sup brah? u finna RAGE 2nite? (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35146158) |
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Date: January 13th, 2018 7:21 AM Author: Galvanic Whorehouse how well do you think this thread worked out for you? are you ashamed? |
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Date: January 13th, 2018 7:24 AM Author: nofapping frozen milk stead Post removed by moderator for violating The Law of The Land. (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35146166) |
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Date: January 13th, 2018 7:59 AM Author: Galvanic Whorehouse (http://www.autoadmit.com/thread.php?thread_id=3855472&forum_id=2#35146233) |
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Date: January 13th, 2018 7:59 AM Author: nofapping frozen milk stead sup brah?
are you ashamed about OD'ing your dead brother and then losing your virginity in his asshold? |
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Date: January 13th, 2018 8:01 AM Author: Galvanic Whorehouse my brother is alive and well how do you think your parents feel about what your life has become? |