/b/ - Random

> If line doesn't go up terrible things will befall.
Not really, if you actually saved your money for the occasion.

But there are countries where the line isn't going up. Like the UK and Canada. They just keep spinning their wheels in the mud of their failed policies with no serious plan to get out.

>>239183
saving money is bad, it must circulate and do work
at least that's what I keep hearing

>>239183

Nah thats not how it works given inflation, the only way your money retains its value is through a market portfolio.

>>239189
Yeah, they aren't wrong. Money loses value overtime so its better to procure assets using it.
In fact, billionaires rarely ever have a billion in cash, its mostly held in assets to resist inflationary pressures

>>239194
plus you dont get taxed on stocks

>>239204
You do get taxed if you sell them and it's taxed like regular income if you trade it.

>>239189
That really only applies to ridiculously rich people, the average working person should definitely save their money and not live paycheck to paycheck if they can help it. Also if you decide to have kids, I don't see why you wouldn't save money for them (education, food, clothes, emergencies, etc).

>>239189
You need money to live and sudden cost are just a thing in life. You need money if you get sick, if your car breaks down, to get your stove needs to be fix and so on. Sometimes those charges come at you and hit your wallet hard. Its why it's important to have money set aside. Plus if nothing bad ever happens and you have enough, treat yourself to a vacay.
A lot of employments don't offer retirement (or at a good rate). It's important because one day you might find yourself unable to work.

Also loans suck ass with their interest rates, like yeah there's low interest loans out there and you need credit and it's all just make believe with society at large.

I don't get how people cling to continued growth so much. Like here in Yurop we keep hearing how we lack skilled workers, workers in general, how people aren't having enough children etc etc while population here has never been higher. It's bizarre. It's obvious that this can't go on, but we still must "grow". Why?? How? This rejection of obvious reality is making me very angry.

>>239261
>rightwingers are retarded
>left wingers have been hijacked by eternal growth&LGBTIBBQ+++ neoliberalism
it's ogre

>>239880
Everybody is killed by AI, except the richest who are made immortal and put into VR gooning set untill the heat death?

Imagine investing in anything that isn't a tangible asset, like a house or a bar of gold. Couldn't be me. All of you are exposed to this shit:
>For instance, earlier this year, Meta decided to build a new data center in Louisiana that will cost $27 billion. Instead of applying for a loan from a traditional lender, the company partnered with Blue Owl Capital, a private-equity firm, to set up a separate legal entity, known as a special-purpose vehicle, or SPV, that will borrow the money on Meta’s behalf, build the data center according to Meta’s instructions, and then lease it back to Meta. Because Blue Owl is technically the majority owner of the project, this setup keeps the debt off of Meta’s balance sheet, enabling the company to keep borrowing at low interest rates without worrying about a hit to its credit rating. Other companies, including xAI, CoreWeave, and Google, have borrowed or plan to borrow huge sums through similar kinds of arrangements.
>Meta has described its arrangement with Blue Owl as an “innovative partnership” that is “designed to support the speed and flexibility required for Meta’s data center projects.” But the reason the credit-rating system exists is to give lenders and investors a clear sense of the risk they are taking on when they issue a loan. A long history exists of companies trying to circumvent that system. In the run-up to the 2008 financial crisis, several major financial institutions used SPVs to keep billions of dollars in household debt off of their balance sheets. Enron, the energy corporation that famously collapsed in 2001 after a massive accounting scandal, used SPVs to mask its shady accounting practices. “When I see arrangements like this, it’s a huge red flag,” Paul Kedrosky, a managing partner at SK Ventures and research fellow at MIT who has written extensively about financial-engineering techniques, told me. “It sends the signal that these companies really don’t want the credit-rating agencies to look too closely at their spending.”
>SPVs aren’t the only 2008-era financing tool making a comeback. Data-center debt totaling billions of dollars is being sliced up into “asset-backed securities,” which are then bundled and sold to investors. This is not an inherently problematic way for companies to fund their borrowing. But Kedrosky argues that during periods of heightened speculation, these vehicles turn debt into a financial product whose worth is disconnected from the value of the underlying asset it represents—which can encourage reckless behavior. “Investors see these complex financial products and they say, I don’t care what’s happening inside—I just care that it’s highly rated and promises a big return,” Kedrosky said. “That’s what happened in ’08. And once that kind of thinking takes off, it becomes really dangerous.”
https://www.theatlantic.com/economy/2025/12/nvidia-ai-financing-deals/685197/