Which Man Are You?

Job security is dead. You are one earnings call, one technological innovation, and one denouncement away from losing your job. Hopefully you have a skill that allows you to be re-employed immediately, but most men are not immune to such a sudden lost. Let’s take a look at what happens when two men netting $5,000 a month lose their jobs at the same time.

The first man works for the government and lives alone in an expensive condo. He likes the finer things in life and is quick to pick up the tab when going out with friends. He spends $4,500 a month and saves $500. He’s read that saving 10% is better than the American average of 4%. In one year, he has $6,000 saved.

The second man works as a bartender at a popular club. He lives with four roommates. He wishes he could live alone, but the club industry isn’t stable and he doesn’t know how long his current gig will last. He makes it a point to network with other bartenders to get as many free drinks as he can when going out. He spends $2,500 a month and saves $2,500. In one year, he has $30,000.

Both lose their job at the same time. The first man enters a full-blown panic, because he only has one-and-a-half months of money to survive, which simply isn’t enough time to find a job in his bureaucratic field. The second man, while upset at the loss of his job, knows he can take a one year vacation without a single change to his lifestyle.

Which strategy is superior? The man who has no leeway but lives a high-profile lifestyle, or the man with a large savings but basic lifestyle? The answer you receive from them will likely depend on whether they are fully employed or not.

I live like the second man. I save about half of my income, preparing myself for possible irrelevancy if game gets outlawed or my books stop selling. I have created a fund where I can live for several years without income. I figure that that’s enough time to come up with a new way to provide for myself.

Do I wish I had a luxury condo, a BMW, and all the accouterments of rich living? I sure wouldn’t say no if you gave them to me, but I refuse to spend more than 50% of my income on living. It’s hard, because I know I can spend more, but I rather live simply with security than live lavishly with anxiety. I find it hard to imagine how people live paycheck to paycheck, knowing that their life will be in total turmoil if something bad happens. If I have a bad month—or even a bad year—you wouldn’t even notice a change in my output or demeanor.

Financial freedom is the most important type of freedom, because it lubricates all other forms of freedom. You have to be able to walk away from anyone who tries to limit you, whether your boss or your critics, and still live on your own terms. You can’t do that when your monthly expenses are so large that you spend most of your earnings. Unless you can go a year without any income, you are in a very fragile economic state. I lived like that before, but I won’t do it again.

Read Next: There Are No Rules

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eli
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eli
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On top of this, those taking an large debts simply because that is the norm in North America is akin to a self-imposed prison sentence. I find it odd for someone to take on a huge mortgage (10% down payment or something similar) and enslave themselves to mortgage payments for 20-25 years, all to say they own something, which is more myth than reality. Its nothing more than a levered speculative bet on the future price of real estate and mortgage rates, something most are ill-equipped to do. The freedom of rent is enormous. Being flexible and able to move around. I can’t think of any other part of the world that has the same personal debt culture as the U.S. and Canada.

Gabriel
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Gabriel
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I don´t know in the US, but in countries like Argentina, where things can go wrong all the time, having your own house is a must. Being able to live for a couple of years without working is not enough when you are older because you can be out of a job for more than that.

I guess in the U.S it´s the same. the problem is people does the same as they do with their lifestyle. The get a mortgage for a house that its beyond their means.

The thing most inmigrants did when they came here to Argentina still rings true. Live between your means, save, with those savings buy a small house and make it a decent place to live. Keep saving, and with those savings continue progressing.

Of course that culture is now looked down. Nobody wants to accept that in reality they are poor and have to progress that way.

Progressing brings more happiness that the latest IPhone.

eli
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eli
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Does the house in Argentina hold value in dollar terms? i.e the blue rate is now close to 10:1 from being near par in the early 2000s. I think if i was in Argentina, i would want to have my savings in dollars or euros somehow.

Gabriel
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Gabriel
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Yes, nowadays saving in pesos is pointless.

Pablo Martin Podhorzer
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Pablo Martin Podhorzer
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Unless you have Bonos PBI en pesos. 65% nominal, with low risk for the next year, maybe 40% real (if you count inflation as being 25%). That is not a bad proposition at all.

Pablo Martin Podhorzer
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Pablo Martin Podhorzer
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They hold value and even increases it in desirable spots, but liquidity is a big problem right now. I would only own if you would live in that place and you really liked it.

lufty
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lufty
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Buying assets is an excellent way to safeguard against inflation. Rent is practically pissing money down the drain. Obviously you want to buy a house in a place with long term inherent value: good weather, stable diversified job market, potentially a view. You don’t get to save all of the money you put into the house, because of interest payments but keeping even 90% of that money you funnel into living costs mean that long term you are much better off. Naturally buying isn’t for everyone, but if you are planning on remaining in a place for a multi year stretch you would be foolish to write off buying as an option

Pablo Martin Podhorzer
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Pablo Martin Podhorzer
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Problem is that property prices in desirable spots have skyrocketed all over the world. Not an issue if you want to live in a far away place. But if you want to enjoy the best of a city, maybe it is better to rent.

Marcel
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Buddy , you’re wrong. Try Australia, particularly Sydney where I am from. At the moment mortagages are in the range of 800 , 000 plus! and that is being conservative. The suburb I live with my parents, our house cost $200K to 220K back in 1991 when purchased. now worth more than 1.2 million! I do agree 100% on enslavement with debt, ie. being a slave for a long time.

Mike Key ツ
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Mike Key ツ
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I started off 10 yrs ago saving 10% of my income, I bumped that up to 15% then 20% and for the last 5 yrs I’ve been saving 50% of my income. I live on 35% and I have 15% which is just play money almost every month. Live below you means. My nest egg and investments have grown and I feel better about my bank account than I do trying to be a poser who pretends he’s rich. I know I can go without work for more than 2 years.

Tom Dane
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Tom Dane
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Read the memoirs of Larry Holmes. He lived like the second man and I picked it up after reading it. Muhammad Ali lived like the first man, earned a lot more, but are now broke because of spending too much.

JackBlack
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JackBlack
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I worked like the first man but saved like the second man. I just spent the last ten years as a well-paid corporate drone and managed to save up 500K+ … I have minimal expenses/debt but am unsure about what to do next … it’s almost like getting out of prison, I’m still a little disoriented by my freedom …

sam
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sam
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It’s a tricky thing to not get addicted to sucking on the teat, though. I’m in the same boat. 30 with $500K+ in savings and no binding responsibilities. Theoretically I could do many things. In practice I seem to lack the balls and fantasize about getting canned.

Anand_Kumar
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Anand_Kumar
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Wow, which company you work for ?,. I am 28 years of age, and an indian guy, i make very less money and i have very less money with me…In my entire life i never held a job in India which paid me more than $800 …

Lacedric Loadsmore
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Lacedric Loadsmore
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Dude your crazy if you don’t travel, get a great portfolio manager from a non USSA bank (Credit Suisse comes to mind), and/ or start your own business. You could buy a fast food franchise with that much hard cash and easily see $300-650k annually in a good location or get into Commercial transport of cars (I knew a Hiatiannwho had 450k worth of trucks and trailers running. And made 400k annually). F corporate Murica.

Bob
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Bob
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Tell me more about this commercial transport of cars business.

Purple Penguin
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Purple Penguin
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He says he has half a million and already doesn’t know what to do with it, why would he start a business?

But your right for the first part, with that amount, a good portefolio would keep him a passive income and he could travel or maybe write a book.

Life is great when you reach that point !

Brave New Zionist World
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Brave New Zionist World
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Do you invest with a good portfolio manager? Any major financial services International entity based in Europe or Asia should give you 8-15% annual returns.
Of course the Patriot Act Neu Soviet Murica shit companies like Headward Jones act like giving you 7% is a miracle. Total bs-7% is barely inflation. Thank the kosher nostra at the federal reserve. And People wonder why Murica is hated internationally?

Pablo Martin Podhorzer
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Inflation is not 3%? Since BODEN 2015 Argie bonds give 7% annually, I would think that 7% is not the inflation rate in USD. Still, 8-15% for relatively safe investments, it seems doable.

Michael Drumel
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JackBlack grace us with :
1.line of work … make sure you clarify what kind of worthless work you had been doing for that company, so that all of us not born in the country that fistfucks the entire world so that it’s entitled citizens ask for more money, more rights, more freedom to move around so that they can fuck our poor women, FULLY UNDERSTAND the ridiculously easy way by which you people make a lot of money in the US, without having put any real effort into any education.
2.what is your education
3.how you REALLY managed to get into that position. Cut the crap. Give us the truth.

or GTFO immediately … this post smells so US it makes me want to puke

JackBlack
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JackBlack
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LOL u mad bro?

lester jones
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lester jones
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@michael, the USA is the land of immigrants an many succesful people came here from other lands like India to steal American jobs and put Americans out of work. Many US jobs are exported abroad to land of cheap labor like Asia. Its the 99% of Americans who are poor and fucked. Education and experience doesnt help.

Nick
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Nick
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You could live abroad for 15-20 years off of that very comfortably. If I were you I’d quit my job (if you haven’t already) or renegotiate a very favorable situation that gives you time to pursue your interests. Start working on an independent business and if you’re unsure what to do, definitely don’t make any dramatic financial decisions. Read a lot of books on a variety of subjects, get a number of opinions from financial advisors and then make your next move.

Whether or not you ultimately decide to relocate, I think travel is the very best way to stimulate your mind and generate ideas. Don’t just sightsee but spend a number of weeks or months at a time in specific places to get a feel for the culture. Good luck man. Great situation to be in.

Pablo Martin Podhorzer
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Pablo Martin Podhorzer
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If you invest (and not get crazy about it, or too greedy), you can live your entire life with a base of 500k.

Harkness
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Harkness
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What kind of start up capital do you have to have to get that kind of scenario? On a base wage of $30 grand a year, it doesn’t seem very profitable.

Pablo Martin Podhorzer
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Pablo Martin Podhorzer
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Can you save 500 USD per month? That is around 4,300 ARS per month, in one year: 51,000 ARS being conservative. YPF, the main oil company of Argentina, went from 85 pesos in December 2012 to 260 pesos last week. That is, your 51,000 pesos would become 156,000 pesos, or something like 17,000 USD (depending on the exchange at each moment, but take into account that the local YPF stock is calculated with the ADR in New York multiplied by the implicit dollar rate, so the stock was 8 USD in December and almost 30 USD now, look it in Google Finance). Investing in YPF was one of the safest bets I ever did, it was so obvious that some people did not believed it.

Or what about Google, or 3D printer companies?

Ok, lets say conservative 3rd world USD-linked bonds: they give something like 7% or 8% annually in dollars. Ype, not too much, without reinvesting it is only 420 USD per year if you save 500 USD per month. BUT, doing 7% annually (with almost zero risk) is only the minimum you can make once you get into markets.

In Buenos Aires 30K annual means something like 22,500 pesos per month. For a single guy that´s an upper middle class lifestyle (“blue” parallel dollar rate, you take your USD from an ATM in Uruguay and spend it in Argentina, once every 3 months).

Pablo Martin Podhorzer
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500k in Argie dollar bonds gives you 35k annually without reinvestment (since it pays every 6 months). Discounting inflation (3%) it is 20k anually, with gives you 1,666 USD per month. At black market rates for Argentina, that is 16,000 Pesos, which for a single man means living like a middle-high class local, renting a nice apartment in the nice part of town (4000 pesos + 1000 expenses) with a swimming pool and maybe a gym, near all the best spots for nightlife, plus 10,000 Pesos to live. In Thailand it means almost 50,000 baht, which is pretty good for a single guy that wants adventure (staying in 2 star guesthouses and doing a lot of internal cheap travelling, renting scooters and doing all the islands, I spent 30,000 baht per month; staying and renting would be a lot cheaper).

If you reinvest, you can go higher. If instead you go for GDP linked bonds in dollars, you go a lot higher. If you invest in local stocks (YPF, for example), you can go a lot higher still. If you dabble in short-term moderately risky stuff (like buying stock of the electrical company because of a rumor, and selling one month later), simply put, you can be a fucking millionaire.

Donnyboy
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Donnyboy
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Good for you Jack! I was in your shoes as well but was stupid enough to believe that it would never end and at age 40 – SURPRISE! – it ended. I’m still rebuilding, but my comeback will be huge. I have NO debt, and expenses are cut to the bone. “That which does not kill you makes you stronger”

Disabuse
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Disabuse
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A bartender making $5000/mo!? Where do I sign up? Would my Masters degree help me get that gig?

Roosh_V
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Roosh_V
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I worked in the bar industry for a short while, and you’d be surprised how much you can make. I did state the man worked at a “popular” club. Taking home $500 a weekend night isn’t a stretch.

Sean
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Sean
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Bottle service girls, female bartender nicer VIP hostess easily make that kind of cash.(I’d label them as attention whores tho) For Guys it’s hard but doable.

Joey
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Joey
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There are 10 weekends in each of your months?

lester jones
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lester jones
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re read. $500/ weekend night = $1000 weekend. That kind of money is only doable in a few large cities at very popular clubs. Most bartenders make less.

Johnny
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Johnny
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As an introvert were you not in a living hell having to chat up all those people to like you in order to get decent tips?

Viceroy
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Viceroy
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I’ve worked in hospitality since I was 17. That’s top percentile income if you average out all bartenders in the USA. Something close to it is feasible. 1.5-2k a month is a good number once you factor in national average, available jobs, then subtract that from your own work ethic and skills, which are hopefully well above-average.

Jimmy V
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Jimmy V
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That’s because most places are Nowhereville USA broke ass back water shit holes. A bartender who couldn’t make $500/night on a weekend in a hopping metro (Vegas, LA, NY) is either incompetent or works at a total dive. In Nowhereville USA they’d be lucky to squeeze 25k/yr. If you’ve ever been to a Starbucks in Atlanta or LA its amazing the high levels of tips for even barista but in Chumpville USA I can go to Starbucks and see like 4 $1s and some pennies all day. All this back water towns are so ugly and tacky.

Viceroy
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Viceroy
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There is a much higher cost of living in a place like Vegas.

awakened
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awakened
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Back off with the “backwater”. Your not using the word correctly and it makes you sound like a metrosexual hipster.

mike
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mike
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nothing feels as good as having a ‘fuck you’ fund.

thecaptainpower
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Agreed…

Adrien
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Adrien
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Spending 90% of your salary and have an expensive lifestyle is ok if you are not afraid to go back to a poorer situation when you lose your job. Flexibility is the key that makes able to enjoy every situation, from rich to a humble life.

kolo
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kolo
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I don’t think ‘flexible’ is a word that can ever be applied to someone who works for the government – panic, sucking and acting the helpless victim at this ‘unforeseeable’ circumstances is probably built into their plans implicitly

Jeremy
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Somehow, financial freedom is entirely ignored by our modern workforce. They seem to be incapable of recognizing taxation as theft and a restriction on individual financial freedom. They seem incapable of understanding how significant savings have mental health benefits. They seem incapable of understanding how lavish lifestyles are inherently wasteful.

I hate to sound like a tinfoil-hat prepper, but if you’re not saving 50% of your income, you’re not paying attention.

vilrouge
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vilrouge
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In my country (France) we get approximately 40% of what the company actually pays for us once all tax is paied. Puting 50% aside is quite painful 😀

Pablo Martin Podhorzer
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Pablo Martin Podhorzer
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But in return you receive a beautiful country that is livable, to enjoy in your free moments or when you decide to just stop working. Also, unemployment money high enough that you can take vacations to South East Asia with it.

M3
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M3
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Even if i won the lotto, i would not live the jet set lifestyle.

I have a motto – “Work to live, don’t live to work.”

My minimalist lifestyle allows me to enjoy my hobbies, workouts, blogging and pursuits within the minimum amount of time i have to devote to them. Taking on a bigger job with higher pay that increases commute time, and requires more time at the office/on the job.. would be a living death to someone like me. More money =/= happiness.

My freedom means that much to me.

Tampa
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Tampa
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Savings is great. IT’s good. But experiences are better. What’s to say i won’t drop dead of a heart attack or get hit by a bus in the next 10 years. Personaly i’d rather risk it and travel and do crazy shit then worry about how i’m going to live when i’m 70. It will work itself out.

thecaptainpower
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Good point, i am a big saver also. But i would rather save while working the corporate job, weekends off, health insurance, severance pay, etc. But i agree on saving.

Tony D
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Tony D
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I’ve heard so many people say you can’t make a living teaching pickup. I’ve been doing it for four years. Selling products and running bootcamps? How do I do it? I pay $600 a month rent for a tiny bachelor. I cook at home. I don’t own a car, I ride a bike. When I travel I stay in hostels or couchsurf. I am a minimalist.

Michael Drumel
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Michael Drumel
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ANY MAN helping another man to achiece a comfortable lifestyle without getting anything out of it, is a complete beta ship follower.
Tell us more about the idiots you hustle by living for free in their homes, and about the pickup business that’s paying the bills …
—WHAT,you actually think we give A FLYING FUCK about reading you brag about your comfortable lifestyle ? Give us INFO on how to DUPLICATE it or GTFO !!

Nick
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Nick
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You deserve a gold star for being a whiny bitch.

20th Level
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20th Level
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My younger years were 100% percent like the first man. Now I work like the first man but spend like the second….almost.

Saving 30% is doable but 50% is never goanna happen. I like my toys too much and where I live isn’t cheap.

Its a lifestyle choice man..a four month expense cash cushion plus 15% to the 401k.

The rest on cars, booze and bitches.

UncleElmer
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UncleElmer
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I have always referred to this as living the “Unemployment Lifestyle”. Works for me.

Jean Talon
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Jean Talon
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Roosh, you need to keep posting stuff like this. I think youve exhausted the gamut of game advice. Keep the insights coming

Michael Drumel
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Michael Drumel
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—He has not exhausted anything. Had he done that, then you and the rest of the lonely men in here would have had a chance of having CONSISTENT female presence in their lives. The sporadic-not consistent-existence of a woman in someone’s life is a plight the magnitude of which I am afraid you do not fully understand. It is certainly consistent with mild psychosis to not fully realise what the fuck is really going on in yout life..

Jean Talon
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Jean Talon
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You’re assuming a lot there, boss. Who says I’m lonely? Your opinion here is overstated

lester jones
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lester jones
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I’m not lonely, I have a great girl but I enjoy reading the ranting and spewing of the pathetics and roosh’s adventures staying in places for months where he doesnt get laid.

prepped
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prepped
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If you ever want to be the 2nd man, don’t get married! You’ll quickly find your financial anchor dragging you into negative savings territory. Add kids and make it worse.

lester jones
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lester jones
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Or marry wealth

Blade
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Blade
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Make enough passive income that covers your basic survival necessities (water, food, housing, etc.) and you are a free man.

WesternCancer
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WesternCancer
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More than anything else, what attracted me most to the way of life talked about in this part of the web was the promise of freedom.

I have friends already saddled by debt from cars, computers, new clothes and drinking, but whenever I tell them my plans to move across the country with nothing but a suitcase and a cellphone they wonder how.

I only ever have to show them my bank account balance as an explanation why I can go anywhere I want whenever I want.

Dante
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Dante
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Nice post. I love this kind of reading. I saved up money to live for 3 years without any earnings until bad things happened. And now I’m in a relatively comfortable situation. Now I work my ass of to lean as much as I can to become a successful entrepreneur in the next 2-3 years. I started my business 2 years ago when I had a job and it was a wise decision to start at that time. When I started I was unable to earn any $ from scratch in one month. Today I made 150$ and learned a lot more then 2 years ago obviously. It is not an consistent income but I will make it to that point in the future. And in 2-3 years from now I should learned much more then today and if I go broke with my savings in worst case I’m will be ready to fly to make enough every month to serve myself. At the moment I can not compensate my spendings on room, food even in a minimal lifestyle. But I bet on myself in the future because I control myself 100% and make the income turnaround happen.until my savings are gone. The turnaround is already happening as more as I learn to make money. Hope all you guys doing good in the future, saving is key! Every dollar saved is a freedom fighter for your future

PoorMan_Contractor
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PoorMan_Contractor
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You are true,My mother screwed my life with her lavish lifestyle while i have lived like a worker drone ..Now i have less than $10,000 to survive and i dont have a job,wish i could get some job somewhere,i will remember your post and will save 50 percent of my income from now

Ty
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Ty
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One year is the minimum I would say.
Culturally we in the USA are told that it is unmanly not to have your own place, nice car..etc..

How unmanly is it to be broke and without a roof over your head after they repo “your” car?

Glengarry
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Glengarry
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Great advice. The easiest way to get that cushion is to just not get expensive habits and saving 50% like a machine is a good way to do that. You can otherwise easily learn to blow a lot of money on crap without thinking about it.

Also, unless you’re working in finance, put your money somewhere you can leave it for a year or two without waking up in a sweat. Simple investments.

The next satisfying step on the ladder is when you realize you can be unemployed indefinitely. On your own dime, that is. All you make from then on just improves the cushion and your options.

TheLifestyleCompound.com
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I totally agree with this, I just turned 30 and it was my goal to be retired by now. Well i kind of reached my goal, I,m in The Phillipines at the moment travelling for at least the next 6 months, off to Thailand next. I’ve got income through real estate that I’ve built up over the last 7 years. It’s a very modest income but i can bootstrap my way to more income over here whilst living a great life on the cheap.

Brad Turner
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Brad Turner
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i love having money and saying fuck you to any dick or cunt that gets in my way. If someone fucks with me, I will fucking open them up and I know I have

Igniss
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Igniss
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I think this article is well intentioned but falls into the same trap as the movie “American Beauty” when the protagonist gives up his soul-sucking job, rich lifestyle and material wealth to pursue his inner peace…. and still comes home to an enormous house with great food and all the interesting stuff that money can buy instead of ending up homeless and freezing to death.

In other words, it assumes that the kind of material existence that allows a person to live frugally and spend only 50% of his money on living expenses is common. I maintain that it is not. Maybe in the USA, but most people in the world don’t actually live this way. In most cases, they both live frugally and have nothing to save at the end of the month. They have to live frugally just to survive.

It is surely possible to ruin yourself by not saving enough while having a job that earns you 5000 $ per month as this article describes, but most people can’t have that job in the first place. Instead, they earn 2500$ per month and spend it all… on living frugally.

Purple Penguin
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Many people could save up 50% of their incomes if they had the willpower to do so.

I’m not american and I see everyday complaining they can’t save anything while they buy a brand a new german car every 4 years (which loses half of its value in that time) and live in an condo twice bigger as they need.

Michael Drumel
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Michael Drumel
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This is one the most important posts by Roosh.
—ANYONE NOT AMERICAN should read well the post and the comments. These Americans who make a SHITLOAD of money by doing NOTHING MORE than what we do in similar jobs in our piece of shit countries, compain complain and complain how their women dont like them, so they want to come to our countries to fuck our nice women, and THEY EXPECT US TO BEFRIEND THEM, and think of ourselves as one big happy family. … In reality we have every reason to HATE them.
—I AM JEALOUS OF YOU American people. I am jealous of how little education you needed to have in order to be making so much money, when in contrast to that I make very little money after having been highly educated. I am jealous of how you so casually talk about quitting your jobs and travelling and living in a foreign country for a long time without any worry for the future.
—ANYONE not AMERICAN, any one of us who are not able to make so much money so easily, should just do whatever we can in order to FUCK UP your attempts to live abroad.
—ANYONE not AMERICAN, who is not jealous, is just a beat ship follower. Good luck making a living with far less than half of the money these people are talking about.
—THINK HARD about what I have just said, european men …

Eli
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Eli
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I’m not sure its the norm for someone to have saved that much money, or anywhere close. after taxes, expenses, etc, it implies banking more than $50k/yr of savings and probably more given early year salary is lower. someone would have to be making north of $150k/yr for that and have lower living expenses (i.e. not Manhattan). it would be rare unless in a really high paying field that would require immense competition to get in. Americans also get far less vacation time than most European countries. Germans might have lower salaries, but they have much better overall quality of life on average, lot of vacation, great infrastructure, etc. Most Americans live with credit card debt, huge student loans and mortgages. This case of banking $500k by 30 years of age would be an extreme rarity.

FredrikJones
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FredrikJones
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and a puff

Scott Worthington
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Scott Worthington
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What the fuck are you so upset about? If you are writing this from Eastern Europe or Urkaine, there are plenty of people from Africa or Asia who would switch places with where you are too. A large boat of Eritrian refugees just sank off the coast of Italy in October, trying to escape war and poverty. You could move to Senegal if you wanted to and teach Russian or Polish (plenty of Africans would sign up in hopes of immigrating to your country.) and while your there, open a business and marry a hot local chick. For most of us who are neither financial geniuses or born into wealth & privilege (Exeter Prep School, Harvard undergrad, Yale Law) life is a hard struggle and you may have to move to find your fortune.

Yes
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Yes
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“Eritrian refugees just sank off the coast of Italy in October, trying to escape war and poverty”

“TRYING TO ESCAPE WAR AND POVERTY”

Please don’t speak in these terms about the hordes currently invading Europe

captain america
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captain america
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yeah, mike d, if it makes you feel any better, the red-pill ameircan guys with $$$ who beat the system here and make it out to your country to chase women (ты украинец или что?) are a tiny, tiny minority. most americans are fat, miserable and struggling to get by, thanks to a combination of our ever weakening economy (really, it’s not as great as you imagine) and their inexplicable tendency to voluntarily drown in debt for stupid stuff they don’t need.

awakened
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awakened
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Don’t be so gullible. Most of these guys are lying. Most Americans are in debt they can never repay. Guys with $500k in CASH savings are probably about .0001% of the population.

American men constantly lie about status as well as dick size, prowess with women, and accomplishment.

Nick
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Nick
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Care to share any of your stellar accomplishments, or do you get off on vomiting hate?

lester jones
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lester jones
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which shit country are you in? I think in many developed western countries the job situation is similar to America’s. 1% have most of the wealth and great jobs. The middle class is larger in american but shrinking.

yb13
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yb13
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You know Michael Drumel, there’s also a lot of European guys in my city (Dallas) that are escaping tough times in that continent for jobs only to bank and swoop girls like crazy. Guess what? Those jobs and womens could easily be had by American guys too, but I’m not bitter. It’s a global economy & dating scene where opposites attract so learn how to deal with it. With your analytical skills showcased in that post, it goes to show you’re just as capable of coming over here while swooping good coin and slutty American girls LOL.

Nick
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Nick
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Your jealously will guarantee your unhappiness unless you change your mindset. It doesn’t rain money in America, but what we have here that you don’t possess is the imagination to create better circumstances. You don’t have to live in America to benefit from this either. Check out Victor Pride’s latest: http://boldanddetermined.com/2013/12/02/how-i-make-10k-per-month-online/ Nothing is stopping you from creating a website or blog, writing good content, making videos and/or writing an e-book with useful information. If you’re an envious hater, you don’t deserve the best women in your country.

FEJ
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FEJ
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I don’t understand this blog’s aversion to debt. It is not the debt that is bad, it is the way you go into debt and for what purpose. I completely agree speeding the entire 5k a month on BMW’s, fancy apartments, etc and not saving is idiotic. But saying “I’m never going into debt, period” is going to limit your choices to what (most likely little, even 500k isn’t going to get you very far) cash you can save. I have a friend who went 400k into debt for med school and also has traveled extensively (just got back from a month long “vacation” to Africa). Now he is making 300k+ a year and will probably continue to do so for the rest of his life. Out of the 400k he borrowed, he’s paid off 250k of it in 1.5 years. With his training, he could get a job instantly (at that same rate), anywhere in the US or Overseas. I’d be more than willing to go into debt for that reason or if I had a goal in mind that borrowing money could help me reach.

Nickel
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Nickel
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You said it! Get in debt for a purpose, not for a ps4, a big screen TV, going out, or even buying a house you will not rent.

Russ
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Russ
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Roosh,
You are definitely wiser than most men out there concerning finances. I also work for the government but find it very easy to save what with not being married nor having children. Were I to be laid off tomorrow, I could go on for years while living off my savings. Sure, I sometimes think I’m missing out on something because I don’t have a family but, you know what? When I start feeling a little blue, I simply go out with an American woman (usually a damaged one) and those feelings quickly disappear. I just need that reminder every now and then of how good I have it not being weighed down by the aforementioned anchors. Enjoy the decline, baby, enjoy the decline!!!

F.U.
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F.U.
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Wow, this is good advice coming from someone with a sex addiction. Surprised.

Joenotsixpack
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Joenotsixpack
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This is good advice. I’ve been saving 50-70% of my earnings and investing in 401k. Have close to half million saved up. I still enjoy trips and hobbies and nice toys.

steven wytyshyn
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steven wytyshyn
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I make allot of money at Qualcomm but spend allot on cigarrettes and MANicures. Also getting my brazzillian waxes is costly because I don’t want to be a hairball when I sunbathe naked at Blacks.

Love your blog and all the masculine men!

James Buffalo
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James Buffalo
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Homeless Osama’s License Plate # is 6R24536

jakey
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jakey
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ah. rooshieface. live in the moment. make it rain, yo. get a proper mink-fur-coat, kitteh, get some laaahge diamond shiney-shineys on yo hands. “kiss the ring, bitches.” whatnot.

loved all the old-school-rooshness. before the “oh-i’m-so-well-read-dear-readers” snarfness. before the “oh-look-i’ve-got-so-much-traffic-and-i’m-so-responsible” yawnfest blog bits.

you’re right. definitely, 50% is a good start for put-away vs. have fun with today. could ya lighten up just a wee bit, though? eh? stop leaning on everybody else for the things you used to write, and pick up the portemanteau-oh-rooshens, and quit getting so old, so fast?

good stuff, though. really. solid insights. just break it down a bit, pour a lil red bull with that straight vodka. like the ukranian story. more of those bits.

Stranger
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Stranger
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I earned about USD 500,000 last year and saved most of it. It will be similar this year. I am an ordinary guy who made certain choices at certain points in life – the main choices being to (i) invest heavily in my own education (for a number of years I earned very little as I improved my skills) and (ii) move away from the West.

awakened
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awakened
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This is good stuff. I live in the poorest region of the USA and earn a lower middle class income for the area. I left my career once and doubled my income but hated every single day as an insurance agent.

While there is no way I can save half my income I do manage to live with ZERO debt, have a maxed out govt funded pension, and will fully retire anywhere from 55-60 with full benefits. However I am only able to save about four months living expenses but I am working on that.

In short, one can live well on a small income as long as they are not in a big metro area. Luckily I love my small town southern life. It has its shortcomings for sure but I am fairly well traveled in the USA and my lifestyle can’t be matched anywhere else on my income and to be honest I’ve met some great people all over the country but I prefer the company of southerners overall.

My point is adapt to your surroundings and maximize the inherent benefits of your locale.

ANDREW
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ANDREW
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Heres the thing: Both of those dudes make a lot of money. Either one is cool with me

Moses
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Moses
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Freedom is linearly correlated with the size of your bank account, not your income.

I’ve amassed a pretty good nest egg and live simply. Got fed up a few years ago and used my “fuck you money” to quit corporate life. Took a break for a year doing nothing (awesome) then started a biz. Never want another job again at someone else’s beck and call.

I too cannot imagine living paycheck to paycheck. It makes you a slave.

Renzy
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Renzy
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The type of wealth that Roosh is advocating is described extensively in The Millionaire Next Door. It’s a great book that changed the way I think about money.

The books really drives home the point that one of the best ways to measure wealth is this- if you stopped working today, how long would you be able to maintain your current standard of living.

Roosh’s example really drives home that there are a lot of people who make great money who aren’t really wealthy at all when measured in this context.

lester jones
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lester jones
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living alone or with one person is another important freedom. privacy is freedom. but you could live in a van alone and pay nothing if you park on the street.

Lord Osis
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Lord Osis
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I live like the 2nd man. I just feel more comfortable with savings increasing. It is still possible, that all this will
come to nothing.

The financial markets can screw you. Deflationary collapse, hyperinflation, Cyprus-style haircut on depositors, stock market collapse, you name it. You can try to migitate the risk by diversifying geographically and over different asset classes, but some amount of risk always remains. Some investors such as Marc Faber and Kyle Bass seem not to think the current Western financial system survives longer than, say, 10years. If that happens, a plot of land and a big garden in a stable country will come handy.

MJP
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MJP
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Have never seen more true words Roosh as I do not save nearly enough!

Jouster
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Jouster
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America is a retarded consumption society where American sheeps just spend more money than they have and eat more than they need. People don’t value saving at all. If you make 75k you spend as if you make 100k and it gets worse the more money you make. I know guys pulling in 250k a year but they probably don’t even save 10k.

I did the corporate whoredom making nice money and was a ritual saver and ended up with over 300k in my early 30’s. People don’t appreciate how having a nice nest egg changes your mindset. I don’t need to fucking worry about being homeless in two months. I spent a lot of time abroad and I know I could survive 15 years or more living abroad not even working. And I’m a pretty decent conservative investor so getting a 5% return or more without some greedy investment manager taking away fees is pretty easy for me assuming the market doesn’t crash in the near future.