Comments by "Rune of Svalbard" (@vladimirofsvalbard9477) on "Jack Morgan RLP" channel.

  1.  @edheldude  What else would you recommend? I have a CDL and my wife is a cardiothoracic surgery PA. There are NO jobs bud. Employers and hiring managers act all excited to onboard you or get you started in the process. Then they ghost you! This is because they have 'connect' and 'interview' quotas that their companies have to meet in order to post their jobs as 'vacant' once they don't hire for them. This is done so that they can commit 'unemployment insurance fraud' and get a major tax break from each state they operate in.
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  2. The easiest way to pay the LEAST taxes in America is by doing TWO things! 1. Renting 2. Gambling - (capital gains) The east way to pay the MOST taxes in America is by doing TWO things! 1. Owning a home 2. Working a W-2 job. Now tell me that's not intentional to incentivize slavery?
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  3. Everybody has changed. In my experience, men have given up and women have become aggressive. It's really sad. The guys in my family are non-responsive most of the time and don't even talk to you anymore. The women are increasingly selfish. All of this crap was birthed from social media.
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  4. I graduated HS in 2012 and I stared down the barrel of an $80k loan for a BA in Russian language. Despite how ironic it looks now; I'm glad I never took it. Considering the prospects were $45k max at the time. At some point, people need to give their family members and friends the finger. If your family is going to disown you for not having a degree; they were never looking out for you in the first place. It's just some credential that they use to make themselves more popular at a neighborhood cookout.
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  5. Yep, lost my Gma in 08' and my family slid. Lost 3 Grandparents between 2020-2024 and the entire family fell apart.
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  6. I was skeptical of college at 18, even though my parents were in love with the idea. I started going to Community College to save money and my counselor told me this. "You won't be able to really do anything if you get a Bach. in Psychology. The minimum you'll need in Master's and that will barely get your foot in the industry."
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  7. The problem is that older generations are not doing the math. It's easy to lambaste younger generations for 'not working hard enough' when you're sitting on a (paid off home, a 401k, and many 403b). It's hard to believe that USPS used to give out pensions after 20 years of service; the minimum is now 30. They point to interest rates in 1977 (at 17%) and then claim that you're doing something wrong. Let me be clear! If you had to choose between a 17% interest rate on $40,000 and a 7% interest rate on $400,000. You would be borderline mental for choosing the current mortgage market at 7%. Wages have lost their value; anybody with two functioning brain cells come come to this conclusion if they aren't living in a fantasy world.
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  8. Inevitability of a Keynesian system. If debt printing doesn't stay linear with productivity; then prices rise and wages stagnate. This has been taking place for nearly 40 years.
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  9.  @owninfools  It's over 10 years and they tend to go for lower hanging fruit because it takes experienced IRS workers to process audits for millionaires and large businesses.
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  10. Personally, I've never had a problem generating money; I don't even have a useful degree. It's the social culture that I miss. All of it died after 2008. My family limped on thru 2013, but began to rapidly die afterwards 2020 was the last nail in the coffin; many people lost the matriarchs and patriarchs that led the family.
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  11. It's not about convenience; it's about control. That's why I killed my smartphone and left it outback for the raccoons to play with. Now I carry a Nokia flip and I'll never go back. You are the product and these tech devices are stealing 'not just your data', but also your intuition and instincts. Being scared of not knowing where you are without your phone should be a telltale sign that it's ruining your ability to live and think.
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  12. Depends what your situation is. If you're massively in debt from student loans and your income is low; then I'd expect it feels like a depression. There are many people that would argue that it's a fantastic time in the market (if you're in the top 30%) or even the top 40%. It all depends on how you want to perceive the situation. Deflation is always good for people with no assets and no debt. Inflation is always good for people with assets and/or debt.
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  13. What jobs? I have a CDL and my wife is a cardiothoracic surgery PA; there are NO jobs! If you have a job, keep in mind it's extremely hard to find another right now. Indeed might say there are millions of jobs, but employers will tell you they're interest and then ghost you forever.
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  14.  @sam7259  What year are you living in? What demand is creating these jobs? I have a CDL and I assure you; there are no jobs. Unless your blue-collar profession is 'plumbing'; I'd wager they are hitting hard times.
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  15. Don't worry bud, there's something wrong with THOSE people; not you. I was in the same trap, but disregarded everyone and was eternally shamed because of it. At least I didn't go for the $80k degree my parents wanted at the time. But they don't care, it's all about gloating to their friends about the degree their child has. They care about their image; not their kids.
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  16. I'm 30; married, own a home, have a child. I live in central Ohio, OH down 33 a bit. We live in a neighborhood that has many retirees, but on our own street we have at least 6 house (out of 30 that are being rented out to people older than me. What happened was that when the FED cut rates in 2020, all these Boomers took early retirement and decided to pay cash for a new home and condo down in Florida. So they moved to their new home with a large acreage and decided to rent out their old house and condo. So two empty nesters with an equity of $500k, snowballed that into a nest egg of millions in only 3 years. When everybody else decided to jump into the market to buy a new home in 2021, the prices started to inflate due to basic supply and demand. I personally don't have anything against Baby Boomers, but there's a reason why they are despised. It's because by 1987 they were in their prime working years. They got to buy LOW in 1987, 2000, 2008, and 2020. All the while Gen X and every other generation were barely on their feet before every one of those recessions hit the market. I don't blame them for that, but I do get irritated when they construe it as hard work instead of lucky timing
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  17. Bud, I have a CDL and my wife is a cardiothoracic surgery PA; doing open heart surgery: six figure job. She has 4 years of experience and she's been ghosted by over a dozen hospital systems between March thru September this year. It's not just you. We had one employer in Tallahassee reach out and claim "my wife was one in a million; we'll get you in contact in no time." We reached out two weeks later and the lady ignored her. That was back in June.
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  18.  @richardbranson363  Probably because they don't have US domestic debt to a large degree. There's also a huge cultural difference. Also, their culture is more labor/education centric. Easy to say someone is doing well when money and family tradition is the center of everything. There's not much choice either. I also don't think a lot of Americans have the familial resources to communally raise children. The anti-social problems around American born citizens is astounding in my experience.
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  19. My wife is a cardiothoracic surgery PA; four years experience. She's been trying to switch jobs externally for a year now. Some 15 applications were sent; we heard back from 6. The last one was a recruiter for a system out in Ocala/Tallahassee. They said my wife was a (one in a million catch) and that she'd be given a contract in no time. Right after that, she ghosted her and that was 7 months ago.
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  20. I'm 30 (married) - own a home and have a 2 year old son in central Ohio. We don't know ANYBODY our age with a house and children outside of our friends (same age) that moved to Colorado Springs. The only locals with kids that we 'semi-know' are 38-45 years old with 1-2 young child and they don't own homes.
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  21. Yep! My wife has SVT and her heart went into an odd rhythm. Which usually gets fixed by vagal maneuvers or adenosine. She walks in to the ER; Doctor puts his hand on her stomach and asks her to push (one of many vagal maneuvers). She goes back into her original rhythm. Bill - $1997.13 - with 1Tier 1 insurance. I'm grateful that she received care, but the pricing is ridiculous. These insurance companies are essentially running a privatized socialism scam (backed) by government gatekeeping.
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  22. They want to use you as a tax deduction; it's really dirty.
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  23. Unfortunately, in the United States at least, the online dating phenomenon was created because of rising anti-social issues. Personally, I began dating at 19 and found my wife at 24; she and I found each other online. I asked out 12 different women in those years and 4 of them turned into dates. The reason I went online was because there was a major problem with the social attitude of many girls that I spoke to. Many of them think its perfectly accessible to reel you along, insult you, be overtly sarcastic for no reason, or outright use you. I'm not sure if it was always this way, but it's certainly that way now. After a while, I realized I was just wasting my time by asking women out in person. It's a lot of effort for the reward of being insulted, belittled, or used. Many young women have no problem having you take them out on a string of dates (for free food). Just to tell you on the third or fourth date that they aren't interested in relationships. After you clearly tell them that your intentions are to eventually find a good wife and have children when you get to know each other. Dating online simply allows both men AND women to cut through all the drama and garbage and connect with people that want similar things. On a side note, I'm pretty sure the dating market was ironically destroyed by social media and the internet. Men obviously have their own string of problems that usually stem from immaturity, narcissism, or even Christian men that assume they are going to rule over their woman. I actually didn't know that was a thing until I met men that espoused those viewpoints. Women tend to be troubled by exaggerated egos and an irrational view of what it takes to build a life or family. Ultimately leading to pampered and entitled behavior towards family and strangers. Many of the younger women have fallen out of favor in my extended family (including my own sister) because of excessive attitude problems.
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  24. I admire your fortitude, but it will eventually run out; trust me. Want my honest advice for money? Go pay cash for a CDL course and then go work for a big company. WERNER'S Anheuser lane pays $85,000 for new drivers (slip-seat; 12 hour shifts) out of Columbus, OH. I know it's not the typical work for a woman, but it pays. I have a degree from 2016 and learned very quickly that corporate jobs are all a dog n' pony show. Go where the demand is.
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  25. People need to eat more protein and I mean 'quality' protein. Go pick up a rotisserie chicken and a 1lb pack of beef; go make some burgers I will say btw, if you cut out 'store bought bread' your belly and bloat will probably disappear. I ONLY use organic flour when I make pancakes sometimes, but the store-bought buns will just inflate you like a balloon. Why? Because they're full of carcinogens lol
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  26. I'll be honest, my wife and I work for a living, but virtually ALL of our wealth was made thru inflation. This system is a joke. At least we get to use it towards debt I suppose.
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  27. I'm with you man; baby millennial at 30. I went to Community College and then dropped to go get my CDL. Got the house, wife, and kids after that. I knew college was a scam at 18, but everyone around me just remained so pathetically ignorant, especially parents.
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  28. GO get a CDL and haul for Anheuser out of Columbus, OH; they pay $85,000 now. $70k back in 2019 when I had the job.
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  29. Well, not that I disagree with you. From a financial perspective, the USD has never been worth less. Call it the inevitability of a Keynesian system, but people are really beginning to feel the strain of that reality. I'd trade 1977 for 2024 in a heart-beat. Many older people are not doing the math on inflation and purchase power.
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  30. People expect their partners to be perfect now; this is the problem. It's all about growth and empathy; together. Honest advice? If you can't unconditionally love someone that could (admit to committing a crime, talk about horrible experiences, tell you about their deepest regrets, expose their most perverted views, or even want help on stopping addiction. Then you're not ready for a relationship. Everybody has their demons. People that pretend they have none make some of the worst partners.
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  31. I'm 31; married and just sold my house. 1644sqft 3b-1.5ba outside Columbus, OH. We had 8 offers; four of them were cash. It went into contract in 2 days at $310,500 and closed in 8 days. If there is going to be a recession; it's not going to start with the housing market. People need to quit the wishful thinking. Two factors (low foreclosure and low supply) make this virtually impossible any time soon.
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  32. I had Tinder for about 12 hours. Got a bunch of hits from weirdos. I finally deleted it after a woman in her 20s demanded to know where I was so she could come and get me.
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  33. Auto-makers have been giving 0% APY for the last 4 years. Explain how what you said is realistic?
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  34. Always embrace the change! Stop living in a doom and gloom bubble. Change your habits, stay out of debt, reduce your expenses, maintain your health, and get after life!
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  35. It could be worse though. You could have parents or a parent that is alive and only wants you around to use you as a punching bag.
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  36. I'm from central Ohio down 33 a bit. We have kids 18-25 driving sports cars all over the place in a town where your average home price is $250,000. Make it make sense!
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  37. Yep, learn a trade; make soap, make beer; something!
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  38. I disagree, there are a lot of unseen problems with older houses. It's the largely one of the reasons I'll never own anything older than 20 years again. My first house was built in 1937 btw. Mold is a major consideration that most people don't think about. It can truly affect your quality of life and mental health to a large degree. Trying to live in an older home while it's giving you CIRS is something I wouldn't wish on my worst enemy. People can call newer homes cardboard boxes all they want, but having goods (bones) doesn't negate a myriad of health concerns that come with older homes; not to mention asbestos and lead traces.
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  39. The gig economy is so successful that people are making less money than they ever have; working longer hours and doing more unpaid labor.
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  40. Yeah, if only that were true for most people. A lot of Boomers and Gen X worked full time in order to avoid their family and make money that they could otherwise spend on ridiculous things. My parents together made over $175,000 in the 2000s and never lost their jobs in 2008 because of their fields. Virtually all of it went into their own personal project, vehicles, lavish spending, and vacations where they pretended to love my sister and I. The household was an absolute horror house and I know many Americans have a similar experience. When we were alone with our parents it was (sit down, shut up, and do/feel what we say). When we were in front of others; it was (why aren't you expressing yourself and joyful?) I'm sure each person has their own experience, but don't blindly believe that parents worked because they wanted to (sacrifice) for you. A lot of it is self indulgence and greed.
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  41.  @bitkrusher5948  You're not enslaved to capitalism, you're enslaved to an unelected central bank that devalues your currency.
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  42. Found out I still had $3.60 on Webull; so I bought 162,000 Pepe coins XD lol
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  43. Well, women will only date (there own age and +5) generally speaking. Plus, they will only date incomes that are (across and higher) than their own. So naturally, women going to college has created two dangerous problems. A large amount of women that can't find a suitable partner, because men have no way to climb higher than they already are to meet the demands of educated women. On top of that, college aged women are sacrificing their fertility for a career. This inevitable dooms the ability to have a domestic replacement population. This is why importing migrants is a key political issue for corporations and billionaires.
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  44. I applaud your work and ethics. Understand though, there are no jobs and I'm dead serious; I'll explain how if you'd like. Baby Boomers grew up and worked during the greatest time in human history. The essential re-birth of the Roman Empire post-WW2 that was shaped by a world falling apart with the US as it's salvation. Your purchase power was insane between 1955 and 2007 Believe it or not, Americans have never had a more financially frustrating situation and you can blame dollar devaluation. It's not like it used to be. It might be hard for older people to understand the situation, but I can guarantee that if you were starting a family or looking for a job; you'd understand.
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  45. Rent is easier when you don't have a bunch of student loans to pay back; that's what everyone loves to omit.
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  46. That's why I killed my smartphone and went back to a flip phone lol A lot easier to control your internet habits.
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  47. Inflation is a massive problem, but there's also the debt-factor. Also, most people don't live in NY City or Miami; so we need to be more realistic in cost expectations for most of the country. If $100k isn't working for you, then there's a HIGH likelihood that you have student loan debt AND a mortgage you got in 2022/2023.
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  48. The lady just said that grocers are already raising their prices for eggs because of the incoming tariffs. Does she not realize that almost all of our eggs are domestic?
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  49. People got addicted to technology and the Federal Reserve devalued the dollar. A dwindling currency and globalizing economy create a shockwave of widening inequalities. Inequalities are a result of widening value systems. When that happens, families fall apart, marriages fall apart, jobs fall apart, and societies fall apart. When your value system is made up of unattainable ambitions using unattainable resources; nothing can survive. Historically, this isn't anything new; it's exactly how the Roman Empire fell. However, the speed at which the regression is taking place is extremely impressive. Instead of 400 years, we'll get it done in under 60; assuming you start in 1979.
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  50.  @fullclipaudio  Meh, it's hard to go against the grain when your parents, friends, friends parents, and extended family are all putting on the same pressure. I rejected the push and I stayed out of debt. However, it came at the cost of losing respect. Which basically means those people weren't really supportive in the first place. But still, it can be a lot of pressure for average people
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