losingthebattle
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This is gonna be one fairly long rant thread, so if you're not interested - click off. I'll be sprinkling some general financial advice so if you're a broke ass nigga, stay on the thread 
Also please don't call me a jew, im just educated.
The advice is best for single people. So 90% of the forum is compatible, yay!
This guide does not rely on the fruitfulness of the stock market.
The average person's financial mindset
When their paycheck from their cuck ass wageslave job rolls in, the average person rushes to immediately spend massive chunks of it. That's how you start living paycheck to paycheck for the rest of your sad wageslave life. That's how 99% of society does it. It's also how they're never going to become better financially.
They're effectively giving free money to the bank while simultaneously letting inflation shit down their neck. Completely useless.
How banks function
Banks work fairly simply. We'll be assuming usage of debit cards from now on.
Anyway - banks work on a simple logic: when you deposit money, you're essentially lending your money to the bank. The bank is then able to use your money to fund loans and service debts... However, there's a big catch in play: the bank can't infinitely stretch your money. If they eventually get unserviceable debts to people (that means the bank being unable to guarantee your money back after you've deposited it), the bank usually goes belly up and implodes. So always choose an FDIC-insured bank: unless you have gazillions in the bank, you won't lose anything.
Continuing: now just like how you pay interest on loans you take from the bank, they have to pay you interest for the money you've loaned them. On completely regular accounts, the interest rate that goes to you is criminally low (0.01% or even 0.90% for example).
"Why is that bad," you might ask, quoting: "My money would still be growing."
Let me introduce to you:
Inflation (your #1 enemy)
Inflation is the gradual or rapid decline of the value of a currency. For example, say you have $100. Over time, that $100 does not become smaller in digits, but it can get you way less. You can think of it this way: you have a bar of gold with, say, $5,000 marked on it - but over the years, someone comes and shaves your gold bar bit by bit. The value marking would still say $5,000, but because it has less weight, it's worth less. In simpler terms: a dropping purchasing power.
Usually, the inflation rate in most countries is a net-positive (meaning money loses value), and it's usually 2%-5% per year. This basically means that, if your account balance doesn't change, the same money sitting in your account can statistically buy 2%-5% less every year. Events like wars or printing money can cause hyperinflation which quickly leads to the complete collapse of the value of your money. So let's see how we can combat inflation in the next section.
How you should be financially structured
First, let's see how banks function.
You should optimally have a bank account at a bank where you can open rapid savings accounts and long term savings accounts. What's the difference you may ask?
A rapid savings account (will be referred to as RSA) is a form of account with no restrictions on minimal deposited funds, withdrawal limits and no restriction on when and how fast you can take your money out. This is an extremely flexible solution and is best for most people, however it comes with a major drawback: lower interest rates. This means that your money is more susceptible to inflation, and any spike in inflation bigger than the already fairly low interest rate just chews up your money.
The reason that the interest rate is low is because an RSA gives the bank no guarantee that you won't suddenly want to pull this money out which would hurt their ability to give out loans.
Usually, the interest rates on an RSA are lower than on an LTSA - 1.00%-2.00% annually. This is barely competing with inflation and it's sole purpose is to balance accessibility with slowing down inflation eating your money.
A long term savings account (referred to as LTSA) is a similar type of savings account with more restrictions but a better long-term fruitfulness. You won't be able to take your money out as fast (usually a request takes several working days) or it's completely locked until a set date on the contract. With this, the bank has a better guarantee that you won't jump out from under them and pull your money out, therefore you're likely to see better interest rates that can actually compete with inflation.
Usually, LTSA accounts come with interest rates in the 2.20%-5% annually, mostly growing when you lock up your money for longer.
This is usually best combined with monthly deposits into the LTSA to further help battle against inflation.
So, which one should you pick? Well, there's no universal answer and it ultimately depends on the preferences of a person.
Usually, an RSA-only setup is fine if you want maximum accessibility to your money at all times while still giving it a small chance of growing or slowing the inflation death grinder. It gives you the chance of taking out the needed balance immediately when in a store.
You might prefer an LTSA, however, if you are interested in growing your money over a longer period (3-40 years for example) and are okay with having the money locked up for a longer period. An LTSA almost always comes with better interest rates, meaning your money sitting in an account isn't being chewed to death as aggressively.
However, many find that using both is preferable. For example, you might put 50-100 euros into your LTSA every month that acts like a bank vault, and the rest into your RSA which grows slower but is immediately accessible at any given time, allowing you to withdraw some right before buying something.
What you should almost 100% NOT do is let all of your money sit in the regular interest-free account. Your money won't grow by a single cent and it is constantly being devalued by inflation. It's simple, yes, but you're losing out on passive revenue.
What you should do on a paycheck day
Basically, what a person should do on payday is deposit a fixed sum into their LTSA (if they went with the LTSA+RSA combination), so for example, 50 or 100 euros. While compound interest does help grow your savings idle, you can significantly accelerate the growth of your savings by constantly pumping more money into the LTSA.
And whatever's left after paying your bills and whatnot should go immediately into the RSA, because either way it's accessible for you 24/7 and it's earning a bit of interest.
But wait, what is compound interest?
Compounding interest is interest that incrementally pays you more interest from the original savings that already existed on the account including the accrued interest you earned on the previous month. Basically, think of this: you had $100, the RSA has an interest rate of 1.75% annually paid out monthly. Per month you get around ~0.146% ish interest rate.
Now, you let the $100 sit in that account for a month. $100×1.00146 ≈ $100.146
Let's say you don't touch the money, you don't deposit or withdraw. Next month rolls around, you get your interest payout again. But this time, do you think it's calculated off of...
or
I hope you liked this guide and found it useful as a start to saving up money without relying on stock markets. Avoid banks with terrible interest rates and if you know you will need to have access to your savings at all times, choose an RSA instead of an LTSA.
Quick summary
RSA - Rapid savings account, a form of savings account with extreme flexibility and control over the money, comes with lower interest rates (less idle money earnt)
LTSA - Long term savings account, a form of savings account similar to RSA with some differences: your money is locked up for longer (no withdrawals without penalties that eat up any possibly earnt interest anyway) but your money can earn significantly more interest.
Compound interest - A situation where monthly paid interest grows thanks to the earlier paid interest, basically interest paying for it having come onto your account.
Inflation - Long term devaluation of money, usually ~2-5%, the same amount of monetary digits can buy less over time.
Purchasing power - the approximate strength of a unit of a currency. For example, if $1 could get you 5 cookies, during said period the dollar has a purchasing power 5× higher than in scenario where the same 1$ can buy you only one cookie. Purchasing power is usually lowered by inflation.
Hyperinflation - the rapid and massive degradation (100%-2,000% inflation) of a currency's value within short time periods (days or weeks). Usually uncontrollable, mostly leads to the total collapse of a currency.
Interest - an agreed-upon sum paid out to one party for having loaned money to the other party. Comes up in loans (you pay interest to the bank) and in savings accounts (bank pays you interest in exchange for giving them access to your money)
Anyway, I hope you liked my thread on financial consciousness. If you wish, rep by reacting or donations.
Also please don't call me a jew, im just educated.
The advice is best for single people. So 90% of the forum is compatible, yay!
This guide does not rely on the fruitfulness of the stock market.
The average person's financial mindset
When their paycheck from their cuck ass wageslave job rolls in, the average person rushes to immediately spend massive chunks of it. That's how you start living paycheck to paycheck for the rest of your sad wageslave life. That's how 99% of society does it. It's also how they're never going to become better financially.
They're effectively giving free money to the bank while simultaneously letting inflation shit down their neck. Completely useless.
How banks function
Banks work fairly simply. We'll be assuming usage of debit cards from now on.
Anyway - banks work on a simple logic: when you deposit money, you're essentially lending your money to the bank. The bank is then able to use your money to fund loans and service debts... However, there's a big catch in play: the bank can't infinitely stretch your money. If they eventually get unserviceable debts to people (that means the bank being unable to guarantee your money back after you've deposited it), the bank usually goes belly up and implodes. So always choose an FDIC-insured bank: unless you have gazillions in the bank, you won't lose anything.
Continuing: now just like how you pay interest on loans you take from the bank, they have to pay you interest for the money you've loaned them. On completely regular accounts, the interest rate that goes to you is criminally low (0.01% or even 0.90% for example).
"Why is that bad," you might ask, quoting: "My money would still be growing."
Let me introduce to you:
Inflation (your #1 enemy)
Inflation is the gradual or rapid decline of the value of a currency. For example, say you have $100. Over time, that $100 does not become smaller in digits, but it can get you way less. You can think of it this way: you have a bar of gold with, say, $5,000 marked on it - but over the years, someone comes and shaves your gold bar bit by bit. The value marking would still say $5,000, but because it has less weight, it's worth less. In simpler terms: a dropping purchasing power.
Usually, the inflation rate in most countries is a net-positive (meaning money loses value), and it's usually 2%-5% per year. This basically means that, if your account balance doesn't change, the same money sitting in your account can statistically buy 2%-5% less every year. Events like wars or printing money can cause hyperinflation which quickly leads to the complete collapse of the value of your money. So let's see how we can combat inflation in the next section.
How you should be financially structured
First, let's see how banks function.
You should optimally have a bank account at a bank where you can open rapid savings accounts and long term savings accounts. What's the difference you may ask?
A rapid savings account (will be referred to as RSA) is a form of account with no restrictions on minimal deposited funds, withdrawal limits and no restriction on when and how fast you can take your money out. This is an extremely flexible solution and is best for most people, however it comes with a major drawback: lower interest rates. This means that your money is more susceptible to inflation, and any spike in inflation bigger than the already fairly low interest rate just chews up your money.
The reason that the interest rate is low is because an RSA gives the bank no guarantee that you won't suddenly want to pull this money out which would hurt their ability to give out loans.
Usually, the interest rates on an RSA are lower than on an LTSA - 1.00%-2.00% annually. This is barely competing with inflation and it's sole purpose is to balance accessibility with slowing down inflation eating your money.
A long term savings account (referred to as LTSA) is a similar type of savings account with more restrictions but a better long-term fruitfulness. You won't be able to take your money out as fast (usually a request takes several working days) or it's completely locked until a set date on the contract. With this, the bank has a better guarantee that you won't jump out from under them and pull your money out, therefore you're likely to see better interest rates that can actually compete with inflation.
Usually, LTSA accounts come with interest rates in the 2.20%-5% annually, mostly growing when you lock up your money for longer.
This is usually best combined with monthly deposits into the LTSA to further help battle against inflation.
So, which one should you pick? Well, there's no universal answer and it ultimately depends on the preferences of a person.
Usually, an RSA-only setup is fine if you want maximum accessibility to your money at all times while still giving it a small chance of growing or slowing the inflation death grinder. It gives you the chance of taking out the needed balance immediately when in a store.
You might prefer an LTSA, however, if you are interested in growing your money over a longer period (3-40 years for example) and are okay with having the money locked up for a longer period. An LTSA almost always comes with better interest rates, meaning your money sitting in an account isn't being chewed to death as aggressively.
However, many find that using both is preferable. For example, you might put 50-100 euros into your LTSA every month that acts like a bank vault, and the rest into your RSA which grows slower but is immediately accessible at any given time, allowing you to withdraw some right before buying something.
What you should almost 100% NOT do is let all of your money sit in the regular interest-free account. Your money won't grow by a single cent and it is constantly being devalued by inflation. It's simple, yes, but you're losing out on passive revenue.
What you should do on a paycheck day
Basically, what a person should do on payday is deposit a fixed sum into their LTSA (if they went with the LTSA+RSA combination), so for example, 50 or 100 euros. While compound interest does help grow your savings idle, you can significantly accelerate the growth of your savings by constantly pumping more money into the LTSA.
And whatever's left after paying your bills and whatnot should go immediately into the RSA, because either way it's accessible for you 24/7 and it's earning a bit of interest.
But wait, what is compound interest?
Compounding interest is interest that incrementally pays you more interest from the original savings that already existed on the account including the accrued interest you earned on the previous month. Basically, think of this: you had $100, the RSA has an interest rate of 1.75% annually paid out monthly. Per month you get around ~0.146% ish interest rate.
Now, you let the $100 sit in that account for a month. $100×1.00146 ≈ $100.146
Let's say you don't touch the money, you don't deposit or withdraw. Next month rolls around, you get your interest payout again. But this time, do you think it's calculated off of...
Wrong! In the case of an interest account doing monthly payouts, the calculations are based off of how much money you had in the savings account for how much time. If you got the 15 cents from the previous month, those aren't left out of next month's calculations.
Correct! Most banks calculate payable interest based on how much money you had for how much time. This means that if you had 0$ on the RSA but deposited $100 hours before the interest payout date, you're going to get a nice big fat round $0.00 of interest. Banks don't calculate interest based on how much you had at the end of the month, they calculate it based on how much money was sitting in the account over some certain time units, maybe calculated on an hourly basis or even seconds.
If we assume our basic scenario of "no change" (no deposits or withdrawals made), the next month's expected interest payout would be like this:
$100.146 × 1.00146 ≈ $100.29
Notice the fact it isn't just a simple "add another 0.146$ to the balance", but rather a new calculation based on how much you had. The beauty of percentages. The difference between a basic proposed addition of $0.146 and the new calculation is $0.002. THAT is compound interest. Banks paying you interest on the interest they paid you. While that gap number seems small, it will keep growing in the coming months, plus interest usually begins earning serious money in the several figure range. You can also pump more speed into the equation by doing monthly deposits - as suggested.
If we assume our basic scenario of "no change" (no deposits or withdrawals made), the next month's expected interest payout would be like this:
$100.146 × 1.00146 ≈ $100.29
Notice the fact it isn't just a simple "add another 0.146$ to the balance", but rather a new calculation based on how much you had. The beauty of percentages. The difference between a basic proposed addition of $0.146 and the new calculation is $0.002. THAT is compound interest. Banks paying you interest on the interest they paid you. While that gap number seems small, it will keep growing in the coming months, plus interest usually begins earning serious money in the several figure range. You can also pump more speed into the equation by doing monthly deposits - as suggested.
I hope you liked this guide and found it useful as a start to saving up money without relying on stock markets. Avoid banks with terrible interest rates and if you know you will need to have access to your savings at all times, choose an RSA instead of an LTSA.
Quick summary
RSA - Rapid savings account, a form of savings account with extreme flexibility and control over the money, comes with lower interest rates (less idle money earnt)
LTSA - Long term savings account, a form of savings account similar to RSA with some differences: your money is locked up for longer (no withdrawals without penalties that eat up any possibly earnt interest anyway) but your money can earn significantly more interest.
Compound interest - A situation where monthly paid interest grows thanks to the earlier paid interest, basically interest paying for it having come onto your account.
Inflation - Long term devaluation of money, usually ~2-5%, the same amount of monetary digits can buy less over time.
Purchasing power - the approximate strength of a unit of a currency. For example, if $1 could get you 5 cookies, during said period the dollar has a purchasing power 5× higher than in scenario where the same 1$ can buy you only one cookie. Purchasing power is usually lowered by inflation.
Hyperinflation - the rapid and massive degradation (100%-2,000% inflation) of a currency's value within short time periods (days or weeks). Usually uncontrollable, mostly leads to the total collapse of a currency.
Interest - an agreed-upon sum paid out to one party for having loaned money to the other party. Comes up in loans (you pay interest to the bank) and in savings accounts (bank pays you interest in exchange for giving them access to your money)
Anyway, I hope you liked my thread on financial consciousness. If you wish, rep by reacting or donations.
