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Tough life

3 years ago by Kotsi3P0 to c/memes

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PP_BOY_ 47 points 3 years ago

Thats... that's now how you use the meme.

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Dagnet 28 points 3 years ago

'bad thing/good thing penguim' strikes again. Annoys me people forget it's supposed to be social situations

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odium -8 points 3 years ago

But it does work

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0x4E4F 35 points 3 years ago

Americans spend way too much on christmas presents.

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SatansMaggotyCumFart 8 points 3 years ago

Christmas is a bloated commercialistic holiday no wonder Americans love that shit.

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0x4E4F 2 points 3 years ago

Agreed... here, it's about family, being together, chatting, laughing, just having a good time in general. Sure, there are discounts, but most people use those to just buy some new appliances (in most cases, replace broken ones).

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SatansMaggotyCumFart 3 points 3 years ago

Where I’m from it’s about getting drunk and playing with my cousin’s big ol’ tiddies while we’re having a smoke.

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0x4E4F 3 points 3 years ago

Alabama? 🤨

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bstix 25 points 3 years ago

Something funny I've seen is that in Norway it's customary to distribute the income tax deduction over 11.5 months instead of 12, so that in November or December people only get deducted half the regular tax on their payslip. This is done to ensure that everyone has money for Christmas. It's so dumb and beautiful that I can't help but love the idea.

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Imgonnatrythis 7 points 3 years ago

Probably a decent economic stimulus, government probably does not end up taking much of a loss with this.

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grue 3 points 3 years ago

Government gets a gain from it -- it gets its money sooner that way!

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bardm 4 points 3 years ago

It's actually only 10.5 months. There is no tax on your June payslip, that's when most people get their vacation pay.

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bstix 4 points 3 years ago

Yes that's also very common, but that's a little more complicated. It's only an option for people who have had the same job for more than a year and for those who agree on settling the entire holiday pay in June even if they don't actually go on holiday then. It varies how people do it.

Unlike Norway, most EU countries tax the holiday on accrual so it's always without a deduction when paid out regardless of when. Norway taxes it in the payment year though it is spread over the other months.

There are pros and cons to both ways. Personally I think that EU has the better one, not because of the taxation but because it's not necessary to accrue holiday in advance.

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SuiXi3D 11 points 3 years ago

I emptied mine paying rent!

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SnotFlickerman 8 points 3 years ago

I emptied mine paying for life-saving medication!

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foggy 9 points 3 years ago

Good thing bad thing penguin

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Gingerlegs 7 points 3 years ago

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foggy 9 points 3 years ago

Compounding interest is a hell of a drug.

Saving anything is infinitely better than saving nothing.

Retiring is possible for anyone with an education, but it is a sacrifice, and a gamble on not dying

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bobs_monkey 1 point 3 years ago

Anyone can save for retirement, even without a formal education. It just time and diligence to save, and then some reading to learn how to invest.

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los_chill 8 points 3 years ago

All of that requires a livable wage first. How many times do people have to prove that no amount of "dilligence" will allow people to live, let alone save on minimum wage in most places?

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grue -2 points 3 years ago

It just time and diligence to save

It's just having the self-control to live below your means.

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gibmiser 5 points 3 years ago

Try playing with this. Set the interest rate to 7%. Assume you will live to 75 (average us life expectancy) and retire at 65.

Now change the monthly contribution amount to the most you can comfortably contribute right now if you opened an IRA IRA.

This is your low estimate of your retirement savings. As you get older hopefully you earn more and can contribute more.

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grue 1 point 3 years ago

I found this even more helpful.

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nutcase2690 1 point 3 years ago

Just curious how you came up with 7%? I was always taught to expect the yearly return to be 4%

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gibmiser 2 points 3 years ago

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EmpathicVagrant 1 point 3 years ago

4% stays ahead of normal inflation, 7% matches greedflation.

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craftyindividual 5 points 3 years ago

That penguin hasn't been this undecided since 2010! :0

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HawlSera 4 points 3 years ago

Trans... saving up for a boob job

I hear ya

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ilovetamako 4 points 3 years ago

This is why you gotta use a Roth IRA, if you pull from it before 59 it's heavily taxed. Forces you to save

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Kimjongtooill 2 points 3 years ago

Pretty sure you can pull contributions before 59 at anytime penalty free. Gains though and yeah you'll pay penalties and taxes on.

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grue 2 points 3 years ago

No, a traditional IRA would be even better for that. With a Roth, you can withdraw the principal without penalty since it was after-tax to begin with; it's only the gains that you get punished for taking out. In contrast, any amount of withdrawal from a traditional account incurs a penalty (with a few exceptions, such as using it to buy your first house or whatever).

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Guajojo 2 points 3 years ago

The meme were broken today

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