So This Happened in Cartagena Yesterday 🤦🏾‍♂️

[Travelguy90]

All this budgeting nonsense from folks who live in a country where half the population could not meet a $400 emergency expense absent credit card and/or payday lenders is a bit rich. Many of y’all might be good at budgeting, but most people stink at it especially poor folks.

Americans typically don’t have the same options to earn more than the top 10$ by legally selling their bodies. If possible we’d have a different debt imbalance. Definitely more girls would have a sports car if they could blowjob their way past a few expenses legally. A 40$ debt is nothing when prostitution is legal and thirsty dudes still exist.

I’m thinking the7 can’t afford 400$ for an emergency is because the income isn’t great to begin with, and even with budgeting, if you’re poor and making compromises it’s hard. 10$ an hour after 40 hours is $400 or 1600 a month gross before taxes. After taxes you have maybe 1400 if you’re lucky. Have to pay for health insurance likely which can be 150-300$ easily. You have to buy food which can be 200-400 a month. That’s $900$ remaining after $1600 and you didn’t even get to rent, daycare, your essential bills(light, cellphone, water) kids/daycare, etc…

I’ve lived off 8-11$ an hour for years and still could monger because my cost of living is low. I got a better job then stumbled into a job that pays 33$ an hour and yet I’m still frugal. I’m in the same apartment with the same car, minor upgrades but trying to keep my cost of living under 1000$ a month. Many people would want to bump their standard of living up to 1500!8; not more. However being poor and struggling to budget isn’t due to a lack of skills, your income definitely matters and Florida isn’t at 15$ Minimum wage across the board as some jobs still pay 10$ An hour, yet housing is over 850 a month. That’s over 50% of your monthly gross. There’s no opportunity to hustle or outsmart a foolish tourist regularly in America to make a day to weeks pay in under an hour.(BS 30$ haircut that’s unexpected, fleeced by cab driver from airport, ripped off at restaurants ala Boca chica, hidden fees to Airbnb or Hotel that is nowhere to be found on website or establishment, propina for basic help, etc…)

$850 a month in FL??? where do you live??? The Bonnies LOL! I haven't seen 850 since 2013 ! You must stay in lower Alabama(top of FL)

Yea I noticed that comment too lol. You not getting anything for 850 a month in a real city in Florida unless it's in a rooming house or some real f--ked shit next to a rundown crack house! Must be in the country country...Lol

Tallahassee is the state capital. You can still find 2/1 rentals for under 1000$ but in 2020 you could still get a 1/1 downtown for under 700$ a month in a safe area near banks, capitol, colleges, city parks, etc…when Miami went 1200$ a month to live in overtown.

You kind of make my point that it’s impossible to be poor and live in America(You’re stuck day to day), so why some can’t have 400$ to spare isn’t difficult to explain.

[Travelguy90]

You kind of make my point that it’s impossible to be poor and live in America(You’re stuck day to day), so why some can’t have 400$ to spare isn’t difficult to explain.

Most
The above begs the questions:

1. Why don't more people understand basic personal finance.

2. Why is 50 the average age when Americans even begin to think about saving for retirement.

Something is amiss.

1. People understand personal finances, however they also want instant gratification which will undercut any progress made.
2. Their mortality really sets in.

[stinqu]

Lurker, you are right. most people do not think about retirement early enough.Both my parents were born in 1920, and were already poor when the crash of 29 hit. Money was tight my entire life growing up, this taught how to live within my means(no credit cards).

[MACK]

All this budgeting nonsense from folks who live in a country where half the population could not meet a $400 emergency expense absent credit card and/or payday lenders is a bit rich. Many of y’all might be good at budgeting, but most people stink at it especially poor folks.

Americans typically don’t have the same options to earn more than the top 10$ by legally selling their bodies. If possible we’d have a different debt imbalance. Definitely more girls would have a sports car if they could blowjob their way past a few expenses legally. A 40$ debt is nothing when prostitution is legal and thirsty dudes still exist.

I’m thinking the7 can’t afford 400$ for an emergency is because the income isn’t great to begin with, and even with budgeting, if you’re poor and making compromises it’s hard. 10$ an hour after 40 hours is $400 or 1600 a month gross before taxes. After taxes you have maybe 1400 if you’re lucky. Have to pay for health insurance likely which can be 150-300$ easily. You have to buy food which can be 200-400 a month. That’s $900$ remaining after $1600 and you didn’t even get to rent, daycare, your essential bills(light, cellphone, water) kids/daycare, etc…

I’ve lived off 8-11$ an hour for years and still could monger because my cost of living is low. I got a better job then stumbled into a job that pays 33$ an hour and yet I’m still frugal. I’m in the same apartment with the same car, minor upgrades but trying to keep my cost of living under 1000$ a month. Many people would want to bump their standard of living up to 1500!8; not more. However being poor and struggling to budget isn’t due to a lack of skills, your income definitely matters and Florida isn’t at 15$ Minimum wage across the board as some jobs still pay 10$ An hour, yet housing is over 850 a month. That’s over 50% of your monthly gross. There’s no opportunity to hustle or outsmart a foolish tourist regularly in America to make a day to weeks pay in under an hour.(BS 30$ haircut that’s unexpected, fleeced by cab driver from airport, ripped off at restaurants ala Boca chica, hidden fees to Airbnb or Hotel that is nowhere to be found on website or establishment, propina for basic help, etc…)

$850 a month in FL??? where do you live??? The Bonnies LOL! I haven't seen 850 since 2013 ! You must stay in lower Alabama(top of FL)

Yea I noticed that comment too lol. You not getting anything for 850 a month in a real city in Florida unless it's in a rooming house or some real f--ked shit next to a rundown crack house! Must be in the country country...Lol

Tallahassee is the state capital. You can still find 2/1 rentals for under 1000$ but in 2020 you could still get a 1/1 downtown for under 700$ a month in a safe area near banks, capitol, colleges, city parks, etc…when Miami went 1200$ a month to live in overtown.

You kind of make my point that it’s impossible to be poor and live in America(You’re stuck day to day), so why some can’t have 400$ to spare isn’t difficult to explain.

And I'm guessing it's like 500 square feet? LOL!   man shit is crazy !   to get a 900sq  feet and above nice apartment from where I stay your looking at 1400 -2000 per month

[MACK]

Lurker, you are right. most people do not think about retirement early enough. Both my parents were born in 1920, and were already poor when the crash of 29 hit. Money was tight my entire life growing up, this taught how to live within my means (no credit cards).

Sensible people do this.

I find myself viewing the following short video frequently.  I wish I had come across this when I was 21.

https://www.youtube.com/watch?v=eYDjSYNfKQc

Nevertheless, it's never too late to make the correction.  I started my correction in 2016, and was truly debt-free (no mortgage, not car note, not long-term loans) in 2021. I still use credit cards, because they are a necessary evil.  However, I pay of the balance, BEFORE the end of the cycle.

My self included....I use it for safety reason not because the money isn't there......

[stinqu]

I use a credit card too, since I started going to DR. three free fights so far, no interest charges!!! I use my credit line, to my advantage, balance my dividend income against my gross investment.

[Travelguy90]

All this budgeting nonsense from folks who live in a country where half the population could not meet a $400 emergency expense absent credit card and/or payday lenders is a bit rich. Many of y’all might be good at budgeting, but most people stink at it especially poor folks.

Americans typically don’t have the same options to earn more than the top 10$ by legally selling their bodies. If possible we’d have a different debt imbalance. Definitely more girls would have a sports car if they could blowjob their way past a few expenses legally. A 40$ debt is nothing when prostitution is legal and thirsty dudes still exist.

I’m thinking the7 can’t afford 400$ for an emergency is because the income isn’t great to begin with, and even with budgeting, if you’re poor and making compromises it’s hard. 10$ an hour after 40 hours is $400 or 1600 a month gross before taxes. After taxes you have maybe 1400 if you’re lucky. Have to pay for health insurance likely which can be 150-300$ easily. You have to buy food which can be 200-400 a month. That’s $900$ remaining after $1600 and you didn’t even get to rent, daycare, your essential bills(light, cellphone, water) kids/daycare, etc…

I’ve lived off 8-11$ an hour for years and still could monger because my cost of living is low. I got a better job then stumbled into a job that pays 33$ an hour and yet I’m still frugal. I’m in the same apartment with the same car, minor upgrades but trying to keep my cost of living under 1000$ a month. Many people would want to bump their standard of living up to 1500!8; not more. However being poor and struggling to budget isn’t due to a lack of skills, your income definitely matters and Florida isn’t at 15$ Minimum wage across the board as some jobs still pay 10$ An hour, yet housing is over 850 a month. That’s over 50% of your monthly gross. There’s no opportunity to hustle or outsmart a foolish tourist regularly in America to make a day to weeks pay in under an hour.(BS 30$ haircut that’s unexpected, fleeced by cab driver from airport, ripped off at restaurants ala Boca chica, hidden fees to Airbnb or Hotel that is nowhere to be found on website or establishment, propina for basic help, etc…)

$850 a month in FL??? where do you live??? The Bonnies LOL! I haven't seen 850 since 2013 ! You must stay in lower Alabama(top of FL)

Yea I noticed that comment too lol. You not getting anything for 850 a month in a real city in Florida unless it's in a rooming house or some real f--ked shit next to a rundown crack house! Must be in the country country...Lol

Tallahassee is the state capital. You can still find 2/1 rentals for under 1000$ but in 2020 you could still get a 1/1 downtown for under 700$ a month in a safe area near banks, capitol, colleges, city parks, etc…when Miami went 1200$ a month to live in overtown.

You kind of make my point that it’s impossible to be poor and live in America(You’re stuck day to day), so why some can’t have 400$ to spare isn’t difficult to explain.

And I'm guessing it's like 500 square feet? LOL!   man shit is crazy !   to get a 900sq  feet and above nice apartment from where I stay your looking at 1400 -2000 per month

https://www.apartments.com/houses-townhomes/tallahassee-fl/min-2-bedrooms-500-to-1000/?so=2

A 800 sqft 2/2 in a good spot is costing 925$ a month and it’s a townhouse. Possibly 2 stories. I have a 600 sqft 1/1 initially 475 but currently is above that. At the time they had done 1/1 places for 425-500. Heck last year it wasn’t impossible to find a 750 sqft 2/2 for under 625$. Still inflation hit because houses that were 40-60k are now 110k a standard 2/2 1064 sqft place. I have no desire to move back to Miami or Broward due to the housing market being too hot.

[MACK]

All this budgeting nonsense from folks who live in a country where half the population could not meet a $400 emergency expense absent credit card and/or payday lenders is a bit rich. Many of y’all might be good at budgeting, but most people stink at it especially poor folks.

Americans typically don’t have the same options to earn more than the top 10$ by legally selling their bodies. If possible we’d have a different debt imbalance. Definitely more girls would have a sports car if they could blowjob their way past a few expenses legally. A 40$ debt is nothing when prostitution is legal and thirsty dudes still exist.

I’m thinking the7 can’t afford 400$ for an emergency is because the income isn’t great to begin with, and even with budgeting, if you’re poor and making compromises it’s hard. 10$ an hour after 40 hours is $400 or 1600 a month gross before taxes. After taxes you have maybe 1400 if you’re lucky. Have to pay for health insurance likely which can be 150-300$ easily. You have to buy food which can be 200-400 a month. That’s $900$ remaining after $1600 and you didn’t even get to rent, daycare, your essential bills(light, cellphone, water) kids/daycare, etc…

I’ve lived off 8-11$ an hour for years and still could monger because my cost of living is low. I got a better job then stumbled into a job that pays 33$ an hour and yet I’m still frugal. I’m in the same apartment with the same car, minor upgrades but trying to keep my cost of living under 1000$ a month. Many people would want to bump their standard of living up to 1500!8; not more. However being poor and struggling to budget isn’t due to a lack of skills, your income definitely matters and Florida isn’t at 15$ Minimum wage across the board as some jobs still pay 10$ An hour, yet housing is over 850 a month. That’s over 50% of your monthly gross. There’s no opportunity to hustle or outsmart a foolish tourist regularly in America to make a day to weeks pay in under an hour.(BS 30$ haircut that’s unexpected, fleeced by cab driver from airport, ripped off at restaurants ala Boca chica, hidden fees to Airbnb or Hotel that is nowhere to be found on website or establishment, propina for basic help, etc…)

$850 a month in FL??? where do you live??? The Bonnies LOL! I haven't seen 850 since 2013 ! You must stay in lower Alabama(top of FL)

Yea I noticed that comment too lol. You not getting anything for 850 a month in a real city in Florida unless it's in a rooming house or some real f--ked shit next to a rundown crack house! Must be in the country country...Lol

Tallahassee is the state capital. You can still find 2/1 rentals for under 1000$ but in 2020 you could still get a 1/1 downtown for under 700$ a month in a safe area near banks, capitol, colleges, city parks, etc…when Miami went 1200$ a month to live in overtown.

You kind of make my point that it’s impossible to be poor and live in America(You’re stuck day to day), so why some can’t have 400$ to spare isn’t difficult to explain.

And I'm guessing it's like 500 square feet? LOL!   man shit is crazy !   to get a 900sq  feet and above nice apartment from where I stay your looking at 1400 -2000 per month

https://www.apartments.com/houses-townhomes/tallahassee-fl/min-2-bedrooms-500-to-1000/?so=2

A 800 sqft 2/2 in a good spot is costing 925$ a month and it’s a townhouse. Possibly 2 stories. I have a 600 sqft 1/1 initially 475 but currently is above that. At the time they had done 1/1 places for 425-500. Heck last year it wasn’t impossible to find a 750 sqft 2/2 for under 625$. Still inflation hit because houses that were 40-60k are now 110k a standard 2/2 1064 sqft place. I have no desire to move back to Miami or Broward due to the housing market being too hot.

So there is not much around that place then   In other words Jobs must not be paying much in that area on average?  I know the most beautiful women aren't there because there is no "real money" there ..on average ...let me know if I'm wrong ?

[Travelguy90]

All this budgeting nonsense from folks who live in a country where half the population could not meet a $400 emergency expense absent credit card and/or payday lenders is a bit rich. Many of y’all might be good at budgeting, but most people stink at it especially poor folks.

Americans typically don’t have the same options to earn more than the top 10$ by legally selling their bodies. If possible we’d have a different debt imbalance. Definitely more girls would have a sports car if they could blowjob their way past a few expenses legally. A 40$ debt is nothing when prostitution is legal and thirsty dudes still exist.

I’m thinking the7 can’t afford 400$ for an emergency is because the income isn’t great to begin with, and even with budgeting, if you’re poor and making compromises it’s hard. 10$ an hour after 40 hours is $400 or 1600 a month gross before taxes. After taxes you have maybe 1400 if you’re lucky. Have to pay for health insurance likely which can be 150-300$ easily. You have to buy food which can be 200-400 a month. That’s $900$ remaining after $1600 and you didn’t even get to rent, daycare, your essential bills(light, cellphone, water) kids/daycare, etc…

I’ve lived off 8-11$ an hour for years and still could monger because my cost of living is low. I got a better job then stumbled into a job that pays 33$ an hour and yet I’m still frugal. I’m in the same apartment with the same car, minor upgrades but trying to keep my cost of living under 1000$ a month. Many people would want to bump their standard of living up to 1500!8; not more. However being poor and struggling to budget isn’t due to a lack of skills, your income definitely matters and Florida isn’t at 15$ Minimum wage across the board as some jobs still pay 10$ An hour, yet housing is over 850 a month. That’s over 50% of your monthly gross. There’s no opportunity to hustle or outsmart a foolish tourist regularly in America to make a day to weeks pay in under an hour.(BS 30$ haircut that’s unexpected, fleeced by cab driver from airport, ripped off at restaurants ala Boca chica, hidden fees to Airbnb or Hotel that is nowhere to be found on website or establishment, propina for basic help, etc…)

$850 a month in FL??? where do you live??? The Bonnies LOL! I haven't seen 850 since 2013 ! You must stay in lower Alabama(top of FL)

Yea I noticed that comment too lol. You not getting anything for 850 a month in a real city in Florida unless it's in a rooming house or some real f--ked shit next to a rundown crack house! Must be in the country country...Lol

Tallahassee is the state capital. You can still find 2/1 rentals for under 1000$ but in 2020 you could still get a 1/1 downtown for under 700$ a month in a safe area near banks, capitol, colleges, city parks, etc…when Miami went 1200$ a month to live in overtown.

You kind of make my point that it’s impossible to be poor and live in America(You’re stuck day to day), so why some can’t have 400$ to spare isn’t difficult to explain.

And I'm guessing it's like 500 square feet? LOL!   man shit is crazy !   to get a 900sq  feet and above nice apartment from where I stay your looking at 1400 -2000 per month

https://www.apartments.com/houses-townhomes/tallahassee-fl/min-2-bedrooms-500-to-1000/?so=2

A 800 sqft 2/2 in a good spot is costing 925$ a month and it’s a townhouse. Possibly 2 stories. I have a 600 sqft 1/1 initially 475 but currently is above that. At the time they had done 1/1 places for 425-500. Heck last year it wasn’t impossible to find a 750 sqft 2/2 for under 625$. Still inflation hit because houses that were 40-60k are now 110k a standard 2/2 1064 sqft place. I have no desire to move back to Miami or Broward due to the housing market being too hot.

So there is not much around that place then   In other words Jobs must not be paying much in that area on average?  I know the most beautiful women aren't there because there is no "real money" there ..on average ...let me know if I'm wrong ?

Your right and wrong. It has Florida State and FAMU so it’s your state college and a HBCU in the same city a 10 minute walk from each other along with a community college. It’s attractive women on the 18-40 scene between undergraduate, graduate, teachers, temporary professionals, missionaries and more. It’s not Miami or Tampa but it beats out Jacksonville and Orlando as far as desireable women are concerned. The issue is entertainment, no strip clubs at all. The night clubs have shrank from 7 to maybe just 3 or 4. It’s still plenty of bars but less areas for dancing and more for drinking and lounges for socializing. The closest attractive each is 2hrs away in the form of Panama. No theme parks unless you go out of town a good 70 miles. So it’s gets boring, it’s a college town.

Jobs are definitely not the reason to move here. It’s safety and affordable cost of living. I worked at the college after I graduated and in social services prior to Covid-19 and it worked out well. Was able to spend 40-50$ at most to bang a college chic for free after buying food and going out to free concerts, this would have easily ran over 100$ in Miami. Especially with the 7-8$ one slide of pizza on the beach with 6$ an hour parking.

[Henny White]

Lurker, you are right. most people do not think about retirement early enough. Both my parents were born in 1920, and were already poor when the crash of 29 hit. Money was tight my entire life growing up, this taught how to live within my means (no credit cards).

Sensible people do this.

I find myself viewing the following short video frequently.  I wish I had come across this when I was 21.

https://www.youtube.com/watch?v=eYDjSYNfKQc

Nevertheless, it's never too late to make the correction.  I started my correction in 2016, and was truly debt-free (no mortgage, no car note, and no long-term loans) in 2021. I still use credit cards, because they are a necessary evil.  However, I pay of the balance, BEFORE the end of the cycle.

This video is even better.  Same person, slightly different topic:

Anton Kreil – Rent to Own – Define Assets & Liabilities Properly
https://www.youtube.com/watch?v=O9keQagt350

I can appreciate his words. The rat race suck! You got to find your angle, get money & exploit it. Real-estate (assets) work for me. I don't flip houses, I buy & rent. 7 years & 5 doors so far rented. Currently doing a refi to try & purchase my first small building with 21 doors. Passive income work well for us in the BrotherHood lol

 

[Hobby]

Lurker, you are right. most people do not think about retirement early enough. Both my parents were born in 1920, and were already poor when the crash of 29 hit. Money was tight my entire life growing up, this taught how to live within my means (no credit cards).

Sensible people do this.

I find myself viewing the following short video frequently.  I wish I had come across this when I was 21.

https://www.youtube.com/watch?v=eYDjSYNfKQc

Nevertheless, it's never too late to make the correction.  I started my correction in 2016, and was truly debt-free (no mortgage, no car note, and no long-term loans) in 2021. I still use credit cards, because they are a necessary evil.  However, I pay of the balance, BEFORE the end of the cycle.

This video is even better.  Same person, slightly different topic:

Anton Kreil – Rent to Own – Define Assets & Liabilities Properly
https://www.youtube.com/watch?v=O9keQagt350

I can appreciate his words. The rat race suck! You got to find your angle, get money & exploit it. Real-estate (assets) work for me. I don't flip houses, I buy & rent. 7 years & 5 doors so far rented. Currently doing a refi to try & purchase my first small building with 21 doors. Passive income work well for us in the BrotherHood lol

Right, everyone has to find his angle.  Some do well in real estate.  For me, it's not my cup of tea-- too many regulations, too much paperwork, too many people getting paid from one transaction.   And that's for just buying property. 

Renting is another can of worms.  It sucked to be a renter during the height of the pandemic when dirtbag tenants exploited the rent moratorium by shirking their responsibility to pay rent despite having the means to do so.

I say this as someone who observed my parents and siblings navigate the real estate market.   I know there are some successful stories.  However, I just don't want to deal with the hassle that comes with it.

At the end of the day, we all have to find our route from the rat race.

You aint never lied.  I had some tenants that I gave a huge break too on rent during the crisis.  After a while I said wait a minute-"you guys work remotely anyway and still make your regular salary".  You think they worked with me to pay regular rent again-hell naw.  Fortunately things worked out ok but I major pain in the ass.  I know some landlords did some shady things as well but there are three sides to every story and what I had to deal with over the crisis for tenants that never stopped working was really a major pain.

Hobby   

[Henny White]

You aint never lied.  I had some tenants that I gave a huge break too on rent during the crisis.  After a while I said wait a minute-"you guys work remotely anyway and still make your regular salary".  You think they worked with me to pay regular rent again-hell naw.  Fortunately things worked out ok but I major pain in the ass.  I know some landlords did some shady things as well but there are three sides to every story and what I had to deal with over the crisis for tenants that never stopped working was really a major pain.

Hobby

You landlords have your hands tied.  It's not like you can throw their shit out in the street and change the locks.  The process is a long and drawn out to evict bums.  It's was a slow process pre-pandemic.  I can only imagine how slow it was at the height of the pandemic.

Thankfully, my tenants paid through out the pandemic. One fell off by 3 months, but got a program to pay her balance. I also keep section 8 tenants in two units. Tio Sam pay! Lol I do that just to offset some risk. As well as buy in areas with fast eviction turn around. Regardless, nothing is a sure shot unless its between the eyes lol. I try and be the best landlord to my tenants that I can possibly be. I keep them happy so they hopefully pay the energy forward 🤷🏽‍♂️

[Bat Man]

All this budgeting nonsense from folks who live in a country where half the population could not meet a $400 emergency expense absent credit card and/or payday lenders is a bit rich. Many of y’all might be good at budgeting, but most people stink at it especially poor folks.

Americans typically don’t have the same options to earn more than the top 10$ by legally selling their bodies. If possible we’d have a different debt imbalance. Definitely more girls would have a sports car if they could blowjob their way past a few expenses legally. A 40$ debt is nothing when prostitution is legal and thirsty dudes still exist.

I’m thinking the7 can’t afford 400$ for an emergency is because the income isn’t great to begin with, and even with budgeting, if you’re poor and making compromises it’s hard. 10$ an hour after 40 hours is $400 or 1600 a month gross before taxes. After taxes you have maybe 1400 if you’re lucky. Have to pay for health insurance likely which can be 150-300$ easily. You have to buy food which can be 200-400 a month. That’s $900$ remaining after $1600 and you didn’t even get to rent, daycare, your essential bills(light, cellphone, water) kids/daycare, etc…

I’ve lived off 8-11$ an hour for years and still could monger because my cost of living is low. I got a better job then stumbled into a job that pays 33$ an hour and yet I’m still frugal. I’m in the same apartment with the same car, minor upgrades but trying to keep my cost of living under 1000$ a month. Many people would want to bump their standard of living up to 1500!8; not more. However being poor and struggling to budget isn’t due to a lack of skills, your income definitely matters and Florida isn’t at 15$ Minimum wage across the board as some jobs still pay 10$ An hour, yet housing is over 850 a month. That’s over 50% of your monthly gross. There’s no opportunity to hustle or outsmart a foolish tourist regularly in America to make a day to weeks pay in under an hour.(BS 30$ haircut that’s unexpected, fleeced by cab driver from airport, ripped off at restaurants ala Boca chica, hidden fees to Airbnb or Hotel that is nowhere to be found on website or establishment, propina for basic help, etc…)

You sound like a buddy that moved into a studio in Florida that tracks flights on an almost daily basis tracks the Dollar and the exchange rates and when most benefiical buys a ticket, He spends a signficant time in Sosua but goes to Colombia Brazil and other places as well. I used to clown him but he saved up a pretty penny while mongering hard core.

Once I saw what he had saved I understood the spreadsheets. Personally I'm not really on board on getting Testosterone but he did convince to have a budget for entertainment.

[Bat Man]

Yes I agree the buyers(not all of them of course) are the idiots LOL! they are f--kin themselves in the ass smh (all of us really lol) because they are short sighted in their thinking and give pussy waaaay toooo much value...it's honestly sad.....

The ones who are throwing money away need to understand we WANT the toto but they NEED our money. None of us will be in financial trouble if we didn't come to their country. But it would drastically change their earning potential and how they earn it. Would they still prostitute themselves? YES but for 500 Dom or 34k Cop. They would have to work 4++ times harder to get the equivalent money.  Guys really need to know the value of their dollar and how it impacts on the local economy. When I'm in other not so popular with tourist areas of the country I never get quoted those high ass prices. 

I may be one of the minority that researches the economy of the countries I travel to. As part of my job I use to do economic studies to help set wages at plants we set up abroad. I do the same thing fo how I monger abroad. What I pay in each country varies based on the economy. I have posted this before but this should put into perspective of how much money they need to make in the RD. Keep in mind this is comparing them to regular working people in the country. When you look at the statistics they only need to get 2 simps to give them that $150 and they are set for the next week or two.
 Also keep in mind there are more of them vs us so they will try to maximize there profits because they may not get chosen for a few days.

At the extreme low of 1,500 pesos per screw, if she gets that 4 times a week that's 6,000 pesos a week. Times 4.3 weeks is 25,800 pesos ($454 US) per month without propina putting her in the top 50% of wage earners in the RD. If she's getting 2k per screw then she is getting a minimum of 34,400 ($604 US) plus per month. That puts her in the top 20% of income earners in the RD. Keep in mind I'm only calculating them working 4 times a week. So yes they make more than enough and more than a good portion of the non pro workers in the surrounding businesses.

1.5k @4tpw = 25, 800 DOP ($454US) top 50% of RD wage earners
2k @4tpw = 34,400 DOP ($604US) top 20% of RD wage earners
3k @4tpw = 51,600 DOP ($906US) top 11% of RD wage earners
4k @4tpw = 68,800 DOP ($1208US) top 11% of RD wage earners
7k @2tpw = 60,200 DOP ($1057US) top 11% of RD wage earners
@tpw = times per week

https://dominicantoday.com/dr/economy/2021/06/08/only-11-14-of-formal-workers-in-the-dominican-republic-earn-more-than-50000-pesos/

As someone who has an analytical background, I get your analysis.  My question (rhetorical) is why don't many chicas get it?  Why (or who) emboldens her to turn down money that exceeds the wages that many of her compatriots earn?

You ARE (not may be) in the minority.  Most mongers aren't trained to be analytical or to be data-driven.  Some will ridicule you for making the data-driven argument.

The price that a woman places on her dignity is no ours to set. If a chick wants what you consider too much to provide you access to her body go find another who will. That probably means you won’t get exactly what you want, but you will get what you’re willing to pay for.

You are absolutely correct.  I have been guilty of this, but you can't tell a woman what she should charge for access to her body.  I can choose not to pay but I can't be mad at her for asking.  The girls have been asking for as much as they think they could get since forever.  The general pricing doesn't go up because the girls started to ask too much, it goes up because enough dudes are willing to pay more.   And for the macroeconomists out there that's not how inflation works.  Pussy is cheaper in the US, Peru, and Brazil than it was 10 years ago.  Pussy price has nothing to do with how much the population makes or the rate of inflation.  It's simply about how much a dude is willing to pay for access to a particular chick. I was quoted $100 in '03 when chicks were going for 500-1000 pesos in Sosua. Now more dudes are willing to say yes, it has nothing to do with inflation or relative wealth.   In 2019 I was paying 30 dollars for pussy in Colombia, now there are dudes are paying 200-300 dollars.  Colombia did not experience economy destroying inflation, dudes were willing to pay what the chicks ask.

True its a Ypu lack because you do not ask situation they're doing what we do they compare what other girls get and ask for the same,  The problem is the demand is going through the roof with these COVID incels running around.

My trip around the Island with my buddy with the studio apartment blew my mind. Dude stays at the Seabreeze cranks up his bike and pulls out of every colomodo in La Union to Naqua paying the realm of 2500K to 1500K on campo cooch.

[stinqu]

The rates quoted by Do are accurate for the average person, but not for chicas. Chicas pay 300pesos/ night for shit holes, 500 pesos, shared for a good place,2-300/day food (min.), 7 days about 5-6,000peso, and cloths, nails and hair 10,000/ week to break even. Dudes are paying to see chicas at their "fake best". I look for chicas at their natural best.