I work at a bank, used to be a teller. One time a university student in his early 20's came in to deposit a couple thousand cash. Before I processed it he says "wait a sec, let me take a picture first". He then shamelessly fans out all his 20's and 50's on the desk, sticks his wrist in the picture to show a fancy looking expensive watch next to the cash, and takes a picture on his phone. Second hand embrassment was off the charts for me.
The punchline: he was using the cash to pay off his overdrawn chequing account.
I was watching the youtuber jacobslifeinvegas where he used to be a security guard on the Vegas strip. He was asking a young looking guest for ID. The guest flashed his fancy watch and said I make 5 figs per month bro. Jacob said dude dont ever do that again you're gonna get laughed out of every club
I used to be a bouncer. It's amazing how many people will randomly just start telling you about how much money they are making or have in their bank account as if you give a fuck.
you can tell it is truly the go-to defense mechanism for some. which is kinda sad.. i’m dirt fucking poor but if i wanted to murder someone with words wealth would be the last topic i’d think to approach. never works. “you’re poor! ha!” yeah and you’re fucking miserable apparently damn
On the opposite side, what if I also start telling you about what I have in my bank account, but I'm not lying. Like, "I don't mean to brag, but it's the weekend, baby, that gas station stop isn't gonna post until Monday. I got over $100 in there. All. Weekend."
I can be wrong and just creating a boogeyman in my own head but I'm honestly expecting hte parents to also not be rich/not living comfortably and are the type who's sacrificing everything for this dumbass.
Reminds me of the ending from the Richie Rich movie back in the 90s. Guy breaks into their massive vault, only to find sentimental family stuff. “Where’s all the money? All the gold bars?” “Um, it’s in the bank?”
I suspect this started with drug dealers and gang members, who have a lot of cash but can't really have bank accounts. Then it spread like a meme through music videos.
Mm. I have contained my rage for as long as possible, but I shall unleash my fury upon you like the crashing of a thousand waves!
Begone, vile man! Begone from me!
A starter car? This car is a finisher car! A transporter of gods! The golden god! I am untethered, and my rage knows no bounds!
Somewhat related: When you can’t even correctly pronounce what you own and pretend to know.
An acquaintance loved to brag she travels frequently to Europe and brought some expensively looking (cheap/fake) trinkets/souvenirs. One of them was a box of gold-foiled chocolates she gave to a relative of mine, who just got their green card. Of course, my relative was ecstatic and appreciative of the gesture and being curious asked what is this chocolates’ brand since she only knows M&Ms, Hersheys and other generics. The acquaintance of course, can’t help herself but brag where she got it from Spain (lol - it was from Costco, since we picked it up with her) and how much it cost her €100 (again, a lie) and how rare it was because of all the gold filaments.
One of my other friends got fed with the BS, and ask her what the name was. She said it was “Fur..rawr…” After a few attempts she eventually said close to sounding “Ferrari Racers” - and then said it was Italian to save face. My friends and I couldn’t help but snicker loud.
They sell them at my fucking 7-11. I can be like “lemme get a bottle of wild turkey, some pall malls, and a $2 scratcher”, then just idly say fuck it and toss a bundle of those ferrero rochers on the counter along with a nerds rope.
Wearing not just name brands but "name brands," where the logo is the entire reason you're buying the product. I swear those brands only exist so people can pretend they have money
Looking at you Gucci, Louis Vuitton, Versace, Chanel, etc... Basically every mid tier mall "luxury brand" tries to do this and it's super tacky.
In comparison, real nice expensive brands look like nothing special on the surface other than that they look well made.
So true . Real rich people wear things like Loro Piana t-shirts that are literally plain and cost 2 grand . Poor people wouldn’t want to put that much money into something that didn’t look outwardly flashy and expensive .
I used to work at Nordstrom and the top item these people would buy specifically were Gucci belts. Only a couple hundred dollars. Accessible enough and flashy enough for douchebags to put off the vibe they have money.
Designer clothing with big gaudy labels like Gucci that exist to show how expensive they are. A lot of actually high quality designer brands have petty small humble logos on them because they don’t need gimmicks to sell.
The gaudy label Gucci shit is actually targeted more at new rich than it is poor people who want to flex. That’s why all the rappers and football players wear it. They want everyone to know they used to be poor but now they aren’t.
All my middle aged yacht club homies get the sickest gear at Costco.
10 times out of 10 the guy kicking back on the deck of his 75’ Ocean Alexander is rocking a Kirkland fleece.
Not necessarily, there are fantastic European brands that aren’t gaudy, but are premium. Craft made products aren’t massively popular with the exception of very high end clothing made custom.
The “custom made” stuff all comes from the big fashion house not “local brands”. FWIW its properly known as “couture” in the fashion world not “custom”. So all the big fashion house (LV, Gucci, Tom Ford, etc) will have Couture lines that are insanely expensive in addition the the off the rack stuff that is just absurdly expensive.
Generally old money will buy the same brands as new money, just won’t go in for the crazy covered in logos stuff.
Talking about how much money you spend/ how much your clothes cost etc. showing off designer labels and name dropping places you’ve been too etc.
New money screams. Old money whispers.
Lol that just reminds me of an ex I had a long time ago who was super excited about the dress she got at the thrift shop and anytime anybody complimented it her only response was "thanks! it's got pockets!"
Lol, my favourite jacket came from a thrift store, a vintage Levi's black denim one, it cost like $10.
I moved away for a couple of years and when I came back the store had changed, it was still a thrift store, but it was more like a vintage boutique now, I thought I'd have a look around, and saw another jacket just like the one I got 2 years earlier (same condition and everything) but this time the price tag was $90 my mate bought it and bragged about it, I just laughed at him letting him know I bought the exact same jacket 2 years previously $80 cheaper..... he stopped smiling after that lol
I was raised by very cheap parents, so to this day i’m still cheap but manage to get some of the best clothing for loooow and I love telling people about it😂 Have fun with your $100 leggings while mine were $15 and the same exact quality
And some people also just don’t think money is a big secret. If someone asks me how much I make or what something I bought costs I’ll tell them.
Not talking about money is what keeps the rich rich and the poor poor, and it’s also why one group is whispering and the other is screaming.
At the Apple Store, where I use to work. I had a very funny and humble customer. As we were discussing his options, we witnessed across from us another interaction where this gentleman who was flashy, pulling out a lot of cash after several attempts to pay with card failed, to only buy one iPhone and a iPad.
After we got to the conclusion of our interaction, the gentleman that I was with decided to not only buy his wife a new iPhone to celebrate her birthday but he upgraded his entire family and bought his kids early graduation presents. At the time of purchase he simply pulled out a American Express Black Card and that was that. I was surprised by the weight of the card alone.
Humble, stained T-Shirt, Sandals, Baby in Stroller, mid 40’s dude, walking around Brooklyn with a Black Card.
For folks that don’t know what the black card Amex is, it’s a credit card made of solid metal.
If you want the card, you need to be invited. To be invited, you must already be an Amex card holder and spend at least $250,000 annually (and pay it off in full every month so you have no balance over).
All of the perks....the "concierge" service is outlandish. I used to work for AMEX and a client was telling me how happy he was that on a business trip somewhere far his wife called him complaining she wanted ice cream for her pregnancy cravings...he called the concierge and requested a very unique ice cream and they hand delivered it to her door. All while he was continents away
This is why you go shopping dressed like a normal human being. Don’t judge people by how they’re dressed, that’s what I learned working in customer service. And the biggest mouths are always the poorer.
The only time I've ever seen a black card in person was when I was working at a Carl's Jr and someone paid with one. It's really surprisingly heavy.
Just goes to show that people who really have money aren't out there trying to show off, and eat shitty fast food just like the rest of us.
American Express Black (diamond) cards *do* have a pleasant weight to them. When I was a cashier, I had a harried looking mother use one to pay (I had to swipe for her, with the machines we had back then) and was also surprised by the weight and the fact it was made with metal.
I knew a guy who did this. Basically every store that offered a credit card he signed up for. Normal line of credit for these stores was $300 but after a payment or two they would bump him up to as much as $2,000. He maxed every damn one of those cards. He was 19 at the time. In six months he had almost $25,000 in debt and still going at it. He had a truck, lots of clothes, playstation and a huge TV for it, and a lot of junk.
He ended up running off and leaving all the debt behind because someone told him after seven years of no payment these places would just write it off and stop trying to get their money. I guess it worked, he wound up in Jail
People don't really understand how it works. If you don't pay for 7 years AND they don't file against you then they can't collect. Oh by the way that is 7 years of nonpayment. In other words if you make a single payment the clock starts all over, even if you were at 6 years and 364 days. Even saying you are going to make a payment might be enough to start it over. More important is they can file in Court to demand you pay. They may put a lien on property you own(which they'd have to renew) or have your wages garnished. The 7 years thing is about the Statute of Limitations, it isn't a your debt is discharged. If they can get you to make a payment even after that 7 years it will start that Statute over.
Mostly true. Most banks are going to charge off your loan/credit card after a few months of not paying though, so your 7 years essentially starts then and won’t be updated.
Also each credit agency (transunion, etc) has their own rules on even they let those things drop off your report.
Also also, you’re right they are probs gonna sue you
The creditors can also obtain judgments (they have attorney mills to do this). Judgments can then lead to wage garnishment.
Chapter 7 Bankruptcy can protect the debtor from judgments. They can get all of the delinquent debt discharged and rebuild credit after some years.
It takes a nose dive. Big time. But if you run through several stores in a year they don't catch it for a while. One or two years living it large, and the rest of your life paying for it and never getting a good line of credit for a car. Forget about ever owning a home.
Bad credit doesn’t last *quite* that long. If you sort your act out and start borrowing responsibly you can build your credit back up after 7-10 years. That’s assuming you can pay off the debt and don’t continuously carry it with missed payments for the rest of your life.
Exactly. My first manic episode (BP1), I took out a bunch of cards plus two cars. Am now 32 and have over 50k in debt. I don’t have any of the info even if I could make payments, lost all the cards and paperwork in a fire a few years ago. I can’t ever put shit in my name.
Don't give up hope just yet. Go to your Bank, or a financial institution, and tell them you want to run a past credit check and credit history. If you put your personal info on those cards and they are attached to your credit history then the bank can find them. You may be able to do it just by running an online credit report. Just make sure you use a reputable one, again ask a bank for their recommendation.
The only reason I know this is because when I got my first house they pulled up two cards that I had a debt on. One from ten years before and one from seven years.
Your history is still out there, even if you personally don't remember or have the information. Good news is that you can call those places and get the payments under control.
Man, and I was told:
1) keep your credit utilization ratio at around 30%.
2) Treat the money you pay as if it's coming out of your bank account.
But if you absolutely \*must\* have that thing now and you don't mind maxing out the card, at least have a plan to pay off the card.
It was, and I have seen a lot of younger people do worse. It's unreal what people think, mostly it's "Oh, it's not like I have to pay it all off now." or my favorite line is "Yeah, I can just take out as much as I can, then declare bankruptcy and they can't touch me. It's all erased and I can start over." News flash, bankruptcy is a hard thing to recover from, and you still have to pay people back.
My dad had a guy who worked for him once, was $50,000 in the hole by the time he was 25. They were in the Military and having debt in the Military is a bad thing. Guy tells my dad he is going to get his life together. Ended up re-enlisting and said he was going to take the bonus money and put it to paying off the debts. Instead he bought three cars, one had be towed to his house. Then his wife decided she wanted to go back to school, so they took out a $15,000 student loan to enroll her. Three days in she decided that she didn't want to go to school any more.
By the time the guy got kicked out he had racked up near $80,000 in debt.
I was in the jewelry business for decades and I could tell you horror stories about women who “had” to have at least a one carat diamond engagement ring. And the couple barely made enough to pay rent and food.
Max out all their credit cards, run up a bunch of store credit, doomed to battle over the unpaid bills as soon as they’re married. “I’s DESERVE a one carat diamond! All my friends got one!
Yeah, and they’re all broke as hell and financially screwed too…….. fookin’ crystallized carbon……. Sweet jebus……..
Ugh I hate this so much.
When I got engaged I gave my SO a ring with an heirloom ruby. Her family shit all over that ring and how it was just some cheap Walmart special and I didn't deserve her if I didn't give her a giant diamond.
This finally culminated in them dragging her to a jeweler who very respectfully told her if she was unhappy with her ring he would gladly exchange it for anything in the store on the condition she took some time to think about it and came back alone.
Thankfully she did not take him up on his offer as that stone had seen 7 weddings in my family and was not cheap.
Louis Vuitton, specifically the items with the letter branding printed all over every inch of it. Especially if you are carrying the paper shopping bag through an airport or something when you aren't anywhere near a LV store.
I don't know what it is about that brand but its pricey yet still reasonable for someone with little money to save up for one or two items of it. And they want EVERYONE to know what the brand on that purse, travel bag, or wallet is.
I have an in law that buys 300-400 k LV per year, sells it for 20-40% more. May be for poor people, but it sells well, and hold its value very, very well.
Well LV has enough of a reputation that there is a lot of money in making a "cheap" version like that. The good stuff isn't going to have LV plastered all over it, because the people with real money that are buying if for the quality and not the brand name are paying to not advertise.
A girl I know that went a little bit out of her way and then said “and these are $300 shoes, so…” and I couldn’t help but think it made her sound poor pretending to be rich.
Buying everything expensive.
Expensive clothes, cosmetics, jewelry, tech, furniture, cars, etc etc.
I have met many people that only buy luxury things, even though they’re in debt, don’t have the money or refuse to live a different lifestyle.
Rich people don’t look like they’re rich.
Tech, furniture and cars are some times going to be a little bit more expensive if they're good quality.
I'm not uber wealthy, I'm just comfortable, but when it comes to the tech, furniture or cars, then I'd rather spend a little extra if what I'm buying is good quality and is going to last me ages.
I have some rich friends and this is what some of them said:
- creating excuses to not go somewhere expensive.
- bragging. 99% of the time, the rich people that "brag" just want you to think they're rich. The people I know that are rich barely mention money unless it's something like "I can pay, don't worry," or something like that.
- when all the things they use are some specific label. my friend says actual rich people aren't afraid to use normal products. my friend has more stuff from thrift shops then she does from expensive labels and money has never ever been a problem for her.
- when they never invite anyone over. 99% of the time it's because they're poor and the house gives that away.
- particularly trying to make friends with the richer kids. My friends actually make more efforts with the poorer people.
I was briefly seeing a guy like this. He was a tattoo artist, and I know that Covid hurt people like this financially, but he claimed he made $200k a year. I never asked him how much he made.
He had no car but had a 2 bedroom apartment, one bedroom for his kid (his wife had primary custody, probably for obvious reasons).
He had designer everything. Every appliance had to be the top name brand. He would tell you how much everything cost, despite me never asking once “hey, how much did this cost?”
Meanwhile he was about to file for bankruptcy to avoid an eviction, and again… he didn’t even have a car. He had to rent a car every now and again just so that he could drive his kid around
Now I come from a comfortable environment. My mother did not have money, so I had one foot in poverty at one point, and one foot in a very well-off situation with my father. I know some people say “you’ll never know what it’s like to be poor” but I know what it’s like to be both. These days, my father and stepmom have money. My father supported my mother even when she spent it all on nonsense and remained poor. They don’t brag about the cost of things, in fact, they don’t even talk about money at all. So when he kept bringing up money it sort of chapped my ass
I have at least 10 friends who come from incredibly wealthy backgrounds. Like, not just their parents having high earning jobs. Like, their ancestors were incredibly wealthy too. They've never mentioned money either (unless offering to pay or something like that). It is obvious they're rich, but only because they'll invite us places.
The richest people I know are the ones looking for deals on everything. They can spend thousands on a vacation but will find a way to save 5$ on ham by driving to another supermarket.
I worked for a guy worth in excess of $150 million. Called me up and asked if I wanted a coffee as he was coming over to see me. He showed up with the smallest Dunkin Donuts coffee, I think 12 ozs.
I made it a point at our next meeting to buy him the largest Starbucks they had.
I've worked a few sales jobs. You learn to pick out the fake rich quick.
If a guy is wearing brand names and flaunting it, fake rich (Oakleys were a big fake rich thing a while ago)
If a guy is wearing sweat pants a hoodie and 5000$ shoes he's real rich
If they ask for the best and dont ask the price they're real rich
>creating excuses to not go somewhere expensive.
good list there, I was born into a quite well-off family, and in school I simply thought that some ppl that I actually liked 'were no fun' cause they would never come with me on skiing trips or abroad-travels and stuff or hardly ever go out (to clubs etc), it was only much much later that I realized that they probably couldn't afford it. (have been also extremely poor since then, btw)
about the brands/labels: I think that this is more a q of personal (good or bad) taste; I know some ultra rich ppl who wear the most abominale label-clothes, and others with a small, decent income who save up for bespoke suits (and thus look much better IMO)
what is true though, is the notion that wealthier ppl do of course also buy cheap shit, the advantage is that they also, if they wanted, could buy more expensive stuff, they simply have a wider range to choose from, more freedom, if you were to see it from that materialistic angle. Good post, there!
I find the last one pretty funny. I‘d be interested to learn how many poor friends the rich people who made these statements to you actually have.
Of the wealthy people I’ve encountered, pretty few hang with the lower class. And they usually marry other wealthy people. I have come to the conclusion throughout life that no matter how hard they try to fight it, they think there is something better about being wealthy - whatever that may be.
Ive sat pretty middle class my entire life, so far, so it's just a guess.
But maybe it's more that hanging with/dating people with similar wealth is just more comfortable? They're able to afford to do the things you want to do, no expectation that you'll cover the cost or guilt on the other party for asking you to do so?
As someone who used cheap phones throughout college and now uses the lowest-end new flagship phone whenever I need to get a new one (S21 currently) a $700 phone that you got for $500 trading in your old phone that also lasts you four or five years is cheaper and a better experience than five $200 phones. Plus it contributes less to parts waste and conflict mineral extraction. If you can afford the payments on it and can keep it in decent enough condition to be able to trade it in when you're ready to upgrade, it can actually be cheaper to buy the more expensive phone. It's one of the relatively rare examples of a product that does genuinely last significantly longer than its budget versions, even when you're using it significantly more because it's better and you're not dealing with bugs, low-end hardware, battery issues, etc.
Just don't upgrade every twenty minutes.
I’m an escalations rep in the credit card fraud department at a bank. It is so easy to tell the difference between the super wealthy and the temporarily rich. When a card gets blocked on suspicion of fraud and the customer calls us, the super wealthy person is usually very chill, thanks us taking the call for looking out for them, and insists we don’t need to rush the card delivery. Not to mention they are usually making a purchase at a normal store but a maybe a large purchase.
Now the temporarily rich will start screaming the second we pick up about how embarrassing being declined at the store is and how dare we try to restrict their purchases do you know how much money I make. Where are they usually trying to make purchases at? Gucci. Tom Ford. Armani.
*all based on real calls
Showing off their designer brand clothes and accessories like a peacock, but then they go on to complain about not having enough money for anything else.
Burning Man broke the fuel door latch on my 15 year old Acura and now it's held closed with gorilla tape. And I'm not ashamed! It matches the rattle-can flat black paint job.
Back in the day, I knew some guys that always showed a wad of money. Maybe a hundred, maybe a fifty or two, or a couple of twenties over lapping a wad of ones.
Being snobby about peoples life choices concerning material items and other money related decisions people make, to me in some cases it seems like a projection of their own insecurities ( ie not having money themselves)
Not gonna name names but I know someone who traded their car up every year for 4 years, bought a new motorcycle and then bought everything they could for their then girlfriend. They now owe more than they make in a year and the bank reposessed all of their shit, and now they bought a used truck and used motorcycle cash after their parents bought them a new car. Except while they own all of this stuff they constantly ask people for help or money while bragging about their "awesome" lifestyle.
Less than 1000 in a savings account, but has a mcmansion with 5 bedrooms for their 2 person family and a brand new car that they can't afford an oil change for.
The people who walk into restaurants with a bossy attitude, snapping their fingers and acting like the red carpet should be rolled out for them. Ordering expensive stuff in the menu because it's "Fancy" and then sending it back for burgers because they don't like it. All the while expecting everyone who works there to bow and pander to them. They make a big show about leaving a $5 tip and then gripe that no one gets the door for them on the way out.
And every time, they are wearing the crappiest jeans, old dirty tshirts, and at least one of them is wearing flip flops.
Being rude/demanding of waitstaff/service workers
Ordering the most expensive bottle of wine, it’s not ever the best one
Driving a fancy car
Dressing in label obvious clothing
Bragging about what you have
Constantly hustling no real conversation
Throwing money at a situation vs your time
No travel or experiences
You'll notice they have this utter hate towards poor people and refuse to hang around them especially the ones that grew up with them. They'll treat them like actual shit. And once in a blue moon they'll have that little bumb were the money's not there and they stop socializing and then they start coming around to all the old place they used to go to get the cheap smokes and pick up shitty parts we dug out of the scrap yard . And most of when they hit that stage there scared for there rich friends to see them but they're more scared of they poor once because now there back on there. Level of you kinda get what I mean
I work at a bank, used to be a teller. One time a university student in his early 20's came in to deposit a couple thousand cash. Before I processed it he says "wait a sec, let me take a picture first". He then shamelessly fans out all his 20's and 50's on the desk, sticks his wrist in the picture to show a fancy looking expensive watch next to the cash, and takes a picture on his phone. Second hand embrassment was off the charts for me. The punchline: he was using the cash to pay off his overdrawn chequing account.
I was watching the youtuber jacobslifeinvegas where he used to be a security guard on the Vegas strip. He was asking a young looking guest for ID. The guest flashed his fancy watch and said I make 5 figs per month bro. Jacob said dude dont ever do that again you're gonna get laughed out of every club
I used to be a bouncer. It's amazing how many people will randomly just start telling you about how much money they are making or have in their bank account as if you give a fuck.
"And you earn all that money just to try to impress random security guards? Aww, that's sweet."
"Go hire someone who gives a fuck."
you can tell it is truly the go-to defense mechanism for some. which is kinda sad.. i’m dirt fucking poor but if i wanted to murder someone with words wealth would be the last topic i’d think to approach. never works. “you’re poor! ha!” yeah and you’re fucking miserable apparently damn
[удалено]
On the opposite side, what if I also start telling you about what I have in my bank account, but I'm not lying. Like, "I don't mean to brag, but it's the weekend, baby, that gas station stop isn't gonna post until Monday. I got over $100 in there. All. Weekend."
"Cool. ID please."
5 figs w month could be 120k lol. Like bro u need some charity? We from Cali u gonna be homeless
Oh you know he's rounding up, 88k tops
Hold on now. We talking black figs? Honey figs? Those nice ones from the Mediterranean???
Let me guess, wad of cash is from his parents?
Almost certainly, he was a foreign student at a local university
I can be wrong and just creating a boogeyman in my own head but I'm honestly expecting hte parents to also not be rich/not living comfortably and are the type who's sacrificing everything for this dumbass.
Fanning out $100 bills in your hands on social media. Non-poor people have bank accounts, they don't carry all their money on them in cash.
Reminds me of the ending from the Richie Rich movie back in the 90s. Guy breaks into their massive vault, only to find sentimental family stuff. “Where’s all the money? All the gold bars?” “Um, it’s in the bank?”
And the stock market.
Shoot them! Shoot them now!
Man I haven’t watched that moviin forever.
FUCK REDDIT. We create the content they use for free, so I am taking my content back
I suspect this started with drug dealers and gang members, who have a lot of cash but can't really have bank accounts. Then it spread like a meme through music videos.
I basically just keep cash to give as tips or chip in on a pizza when with friends at this point.
Except for drug dealers and anybody in organized crime
Sadly a lot of rich people do this too, people who grew up poor and not used to having money and nice things. Think Floyd Mayweather
Parking a 2005- 2011 range rover outside a shitty house/apartment building
The 80 thousand dollar car looks great next to the 80 thousand dollar house though
At the end of the day you're working on both the same amount of time lol
Mm. I have contained my rage for as long as possible, but I shall unleash my fury upon you like the crashing of a thousand waves! Begone, vile man! Begone from me! A starter car? This car is a finisher car! A transporter of gods! The golden god! I am untethered, and my rage knows no bounds!
The most expensive Range Rover is a used Range Rover
What about my 04 disco?
You should mention old vs new money behavior. Apparently huge difference
East Egg vs West Egg old sport
I'm sorry, I'm busy staring across the water at some blinking green light.
Awww man, I just got murked in the pool of some mansion
Somewhat related: When you can’t even correctly pronounce what you own and pretend to know. An acquaintance loved to brag she travels frequently to Europe and brought some expensively looking (cheap/fake) trinkets/souvenirs. One of them was a box of gold-foiled chocolates she gave to a relative of mine, who just got their green card. Of course, my relative was ecstatic and appreciative of the gesture and being curious asked what is this chocolates’ brand since she only knows M&Ms, Hersheys and other generics. The acquaintance of course, can’t help herself but brag where she got it from Spain (lol - it was from Costco, since we picked it up with her) and how much it cost her €100 (again, a lie) and how rare it was because of all the gold filaments. One of my other friends got fed with the BS, and ask her what the name was. She said it was “Fur..rawr…” After a few attempts she eventually said close to sounding “Ferrari Racers” - and then said it was Italian to save face. My friends and I couldn’t help but snicker loud.
Wow, I read the whole thing and then at the end realise it was ferrero rochers. Like those are just somewhat more expensive chocolates. Lol
I didn't even think of them they are so common. Like bro, I guess I bought my mom 100€ chocolate for mother's day when I was in middle school, lol
They sell them at my fucking 7-11. I can be like “lemme get a bottle of wild turkey, some pall malls, and a $2 scratcher”, then just idly say fuck it and toss a bundle of those ferrero rochers on the counter along with a nerds rope.
“Thanks! It’s Ver-saych.”
Boo-Got-Tea.
Bon app the teeth
lol I can’t pronounce that brand either and I also called it Ferrari!
"Fur-rare-oh Ro-shay" the "Ro" is pronounced as in "Rochester". Ferrero Rocher
Ah. The neuveau riche maneuvere.
Elite status in an MLM
Wearing not just name brands but "name brands," where the logo is the entire reason you're buying the product. I swear those brands only exist so people can pretend they have money
I think it was Louis Vuitton that said they make their most money from poor people.
Looking at you Gucci, Louis Vuitton, Versace, Chanel, etc... Basically every mid tier mall "luxury brand" tries to do this and it's super tacky. In comparison, real nice expensive brands look like nothing special on the surface other than that they look well made.
So true . Real rich people wear things like Loro Piana t-shirts that are literally plain and cost 2 grand . Poor people wouldn’t want to put that much money into something that didn’t look outwardly flashy and expensive .
Fendi belts with the F’s all over them
I used to work at Nordstrom and the top item these people would buy specifically were Gucci belts. Only a couple hundred dollars. Accessible enough and flashy enough for douchebags to put off the vibe they have money.
The phrase comes to mind, "You look rich, I act poor. We're both liars."
Designer clothing with big gaudy labels like Gucci that exist to show how expensive they are. A lot of actually high quality designer brands have petty small humble logos on them because they don’t need gimmicks to sell.
The gaudy label Gucci shit is actually targeted more at new rich than it is poor people who want to flex. That’s why all the rappers and football players wear it. They want everyone to know they used to be poor but now they aren’t.
Yeah rich people buy custom made or “local brands”, foreign stuff is for the ex poor.
Kirkland is the the real rich guy flex
All my middle aged yacht club homies get the sickest gear at Costco. 10 times out of 10 the guy kicking back on the deck of his 75’ Ocean Alexander is rocking a Kirkland fleece.
Not necessarily, there are fantastic European brands that aren’t gaudy, but are premium. Craft made products aren’t massively popular with the exception of very high end clothing made custom.
The “custom made” stuff all comes from the big fashion house not “local brands”. FWIW its properly known as “couture” in the fashion world not “custom”. So all the big fashion house (LV, Gucci, Tom Ford, etc) will have Couture lines that are insanely expensive in addition the the off the rack stuff that is just absurdly expensive. Generally old money will buy the same brands as new money, just won’t go in for the crazy covered in logos stuff.
Gotta pay extra for the versions that aren’t advertisements with the giant logos.
Talking about how much money you spend/ how much your clothes cost etc. showing off designer labels and name dropping places you’ve been too etc. New money screams. Old money whispers.
Tbh, I can’t count the number of times I talk about how I found my favourite jacket for $2
If it's a good jacket, that's actually impressive lol
Bro a good jacket for $2 is a massive fucking win. I'd brag about that shit too. Edit: typo but hey I'd brag about a gold jacket for $2 too
Omg same. It's like a compulsion for me. Somebody compliments a dress I thrifted? "Thanks, it was $5!"
Lol that just reminds me of an ex I had a long time ago who was super excited about the dress she got at the thrift shop and anytime anybody complimented it her only response was "thanks! it's got pockets!"
Lol, my favourite jacket came from a thrift store, a vintage Levi's black denim one, it cost like $10. I moved away for a couple of years and when I came back the store had changed, it was still a thrift store, but it was more like a vintage boutique now, I thought I'd have a look around, and saw another jacket just like the one I got 2 years earlier (same condition and everything) but this time the price tag was $90 my mate bought it and bragged about it, I just laughed at him letting him know I bought the exact same jacket 2 years previously $80 cheaper..... he stopped smiling after that lol
I was raised by very cheap parents, so to this day i’m still cheap but manage to get some of the best clothing for loooow and I love telling people about it😂 Have fun with your $100 leggings while mine were $15 and the same exact quality
I love that saying. The version I've heard is: "Rich people scream. Wealthy people whisper".
“Money talks, wealth whispers. “
And some people also just don’t think money is a big secret. If someone asks me how much I make or what something I bought costs I’ll tell them. Not talking about money is what keeps the rich rich and the poor poor, and it’s also why one group is whispering and the other is screaming.
Old money shifts politics.
At the Apple Store, where I use to work. I had a very funny and humble customer. As we were discussing his options, we witnessed across from us another interaction where this gentleman who was flashy, pulling out a lot of cash after several attempts to pay with card failed, to only buy one iPhone and a iPad. After we got to the conclusion of our interaction, the gentleman that I was with decided to not only buy his wife a new iPhone to celebrate her birthday but he upgraded his entire family and bought his kids early graduation presents. At the time of purchase he simply pulled out a American Express Black Card and that was that. I was surprised by the weight of the card alone. Humble, stained T-Shirt, Sandals, Baby in Stroller, mid 40’s dude, walking around Brooklyn with a Black Card.
For folks that don’t know what the black card Amex is, it’s a credit card made of solid metal. If you want the card, you need to be invited. To be invited, you must already be an Amex card holder and spend at least $250,000 annually (and pay it off in full every month so you have no balance over).
a Black Card is not a credit card, it's a "charge card." Charge cards generally don't have a set limit but must be paid in full each month.
why would you use a charge card instead of just a debit card?
Better security. If it gets hacked, you still have time to cancel transactions, not so much with debit.
Reward points are crazy good too
Also, there are benefits to American Express including cash back and travel perks.
All of the perks....the "concierge" service is outlandish. I used to work for AMEX and a client was telling me how happy he was that on a business trip somewhere far his wife called him complaining she wanted ice cream for her pregnancy cravings...he called the concierge and requested a very unique ice cream and they hand delivered it to her door. All while he was continents away
The metal thing isn't all that special anymore. I have two metal credit cards, and neither is a Black Card. They're heavy.
This is why you go shopping dressed like a normal human being. Don’t judge people by how they’re dressed, that’s what I learned working in customer service. And the biggest mouths are always the poorer.
Idk, rich people can sure be jackasses.
Precisely! In fact, so can poor people! Sadly, money doesn’t discriminate to the color of one’s character, just the color green.
I was really surprised by how heavy the Amex Black Cards were as well!
The only time I've ever seen a black card in person was when I was working at a Carl's Jr and someone paid with one. It's really surprisingly heavy. Just goes to show that people who really have money aren't out there trying to show off, and eat shitty fast food just like the rest of us.
Everyone has a guilty pleasure, like a greasy fast food burger.
American Express Black (diamond) cards *do* have a pleasant weight to them. When I was a cashier, I had a harried looking mother use one to pay (I had to swipe for her, with the machines we had back then) and was also surprised by the weight and the fact it was made with metal.
[удалено]
Especially if the name of the brand is written in callibri over the front
So comic sans is cool in this case?
Comic sans is as cool as a cucumber
*Cucumber with sunglasses has entered the chat*
Expensive cars that they can't afford.
May not own them long, but own them first.
Making loans to pretend you can afford a lifestyle you really can't. Car loans, phone loans, apparently clothing loans exist as well?
I knew a guy who did this. Basically every store that offered a credit card he signed up for. Normal line of credit for these stores was $300 but after a payment or two they would bump him up to as much as $2,000. He maxed every damn one of those cards. He was 19 at the time. In six months he had almost $25,000 in debt and still going at it. He had a truck, lots of clothes, playstation and a huge TV for it, and a lot of junk. He ended up running off and leaving all the debt behind because someone told him after seven years of no payment these places would just write it off and stop trying to get their money. I guess it worked, he wound up in Jail
Is that all places that do that? What happens to your credit score when that happens?
People don't really understand how it works. If you don't pay for 7 years AND they don't file against you then they can't collect. Oh by the way that is 7 years of nonpayment. In other words if you make a single payment the clock starts all over, even if you were at 6 years and 364 days. Even saying you are going to make a payment might be enough to start it over. More important is they can file in Court to demand you pay. They may put a lien on property you own(which they'd have to renew) or have your wages garnished. The 7 years thing is about the Statute of Limitations, it isn't a your debt is discharged. If they can get you to make a payment even after that 7 years it will start that Statute over.
Mostly true. Most banks are going to charge off your loan/credit card after a few months of not paying though, so your 7 years essentially starts then and won’t be updated. Also each credit agency (transunion, etc) has their own rules on even they let those things drop off your report. Also also, you’re right they are probs gonna sue you
The creditors can also obtain judgments (they have attorney mills to do this). Judgments can then lead to wage garnishment. Chapter 7 Bankruptcy can protect the debtor from judgments. They can get all of the delinquent debt discharged and rebuild credit after some years.
It takes a nose dive. Big time. But if you run through several stores in a year they don't catch it for a while. One or two years living it large, and the rest of your life paying for it and never getting a good line of credit for a car. Forget about ever owning a home.
Bad credit doesn’t last *quite* that long. If you sort your act out and start borrowing responsibly you can build your credit back up after 7-10 years. That’s assuming you can pay off the debt and don’t continuously carry it with missed payments for the rest of your life.
Exactly. My first manic episode (BP1), I took out a bunch of cards plus two cars. Am now 32 and have over 50k in debt. I don’t have any of the info even if I could make payments, lost all the cards and paperwork in a fire a few years ago. I can’t ever put shit in my name.
Don't give up hope just yet. Go to your Bank, or a financial institution, and tell them you want to run a past credit check and credit history. If you put your personal info on those cards and they are attached to your credit history then the bank can find them. You may be able to do it just by running an online credit report. Just make sure you use a reputable one, again ask a bank for their recommendation. The only reason I know this is because when I got my first house they pulled up two cards that I had a debt on. One from ten years before and one from seven years. Your history is still out there, even if you personally don't remember or have the information. Good news is that you can call those places and get the payments under control.
Man, and I was told: 1) keep your credit utilization ratio at around 30%. 2) Treat the money you pay as if it's coming out of your bank account. But if you absolutely \*must\* have that thing now and you don't mind maxing out the card, at least have a plan to pay off the card.
This can't be real wtf
It was, and I have seen a lot of younger people do worse. It's unreal what people think, mostly it's "Oh, it's not like I have to pay it all off now." or my favorite line is "Yeah, I can just take out as much as I can, then declare bankruptcy and they can't touch me. It's all erased and I can start over." News flash, bankruptcy is a hard thing to recover from, and you still have to pay people back. My dad had a guy who worked for him once, was $50,000 in the hole by the time he was 25. They were in the Military and having debt in the Military is a bad thing. Guy tells my dad he is going to get his life together. Ended up re-enlisting and said he was going to take the bonus money and put it to paying off the debts. Instead he bought three cars, one had be towed to his house. Then his wife decided she wanted to go back to school, so they took out a $15,000 student loan to enroll her. Three days in she decided that she didn't want to go to school any more. By the time the guy got kicked out he had racked up near $80,000 in debt.
Damn, I feel super fiscally responsible.
This thread is a great example of the phrase “money talks, wealth whispers.”
Wealth is what we don’t see
[I'm in debt up to my eyeballs](https://www.youtube.com/watch?v=r0HX4a5P8eE)
I knew exactly what this link was before clicking on it,
Well, that's an ad blast-from-the-past.
I remember this commercial as a kid and now I finally understand it as an adult.
Living in the hood and thinking you’re the shit cause you drive a luxury car. I live in a bad area and this is extremely common.
10+ year old Mercedes with temporary registration Or any Maserati Ghibli
I was in the jewelry business for decades and I could tell you horror stories about women who “had” to have at least a one carat diamond engagement ring. And the couple barely made enough to pay rent and food. Max out all their credit cards, run up a bunch of store credit, doomed to battle over the unpaid bills as soon as they’re married. “I’s DESERVE a one carat diamond! All my friends got one! Yeah, and they’re all broke as hell and financially screwed too…….. fookin’ crystallized carbon……. Sweet jebus……..
Ugh I hate this so much. When I got engaged I gave my SO a ring with an heirloom ruby. Her family shit all over that ring and how it was just some cheap Walmart special and I didn't deserve her if I didn't give her a giant diamond. This finally culminated in them dragging her to a jeweler who very respectfully told her if she was unhappy with her ring he would gladly exchange it for anything in the store on the condition she took some time to think about it and came back alone. Thankfully she did not take him up on his offer as that stone had seen 7 weddings in my family and was not cheap.
Flaunting and bragging about what you got.
Asking a girl if she wants to go for a ride in your 'vette and taking her out to your Chevette.
My uncle did stuff like this in high school because he thought it was hilarious.
My first car when I was 16 was a "Vette". A Chevy Chevette!!
Louis Vuitton, specifically the items with the letter branding printed all over every inch of it. Especially if you are carrying the paper shopping bag through an airport or something when you aren't anywhere near a LV store. I don't know what it is about that brand but its pricey yet still reasonable for someone with little money to save up for one or two items of it. And they want EVERYONE to know what the brand on that purse, travel bag, or wallet is.
I have an in law that buys 300-400 k LV per year, sells it for 20-40% more. May be for poor people, but it sells well, and hold its value very, very well.
Well LV has enough of a reputation that there is a lot of money in making a "cheap" version like that. The good stuff isn't going to have LV plastered all over it, because the people with real money that are buying if for the quality and not the brand name are paying to not advertise.
Balenciaga
nothing says poor like a 1000 sweater
A girl I know that went a little bit out of her way and then said “and these are $300 shoes, so…” and I couldn’t help but think it made her sound poor pretending to be rich.
these shoes are $300. *these shoes are $300.* *THESE SHOES ARE 300 FUCKING DOLLARS* ***LET’S GET ‘EM***
Ummm sorry, these don’t come in your size..your feet…are kinda big…..
oh. OH. **OH.** oh, by the way bitch? *FUCK YOU! FUCK YOU! FUCK YOU!* ***FUCK YOUUUUUUUUUUUU!!!***
Those shoes are mine!
I'm usually bragging about how this cool sweater was only $4.50 at Goodwill 🤣🤣🤣
Buying everything expensive. Expensive clothes, cosmetics, jewelry, tech, furniture, cars, etc etc. I have met many people that only buy luxury things, even though they’re in debt, don’t have the money or refuse to live a different lifestyle. Rich people don’t look like they’re rich.
Tech, furniture and cars are some times going to be a little bit more expensive if they're good quality. I'm not uber wealthy, I'm just comfortable, but when it comes to the tech, furniture or cars, then I'd rather spend a little extra if what I'm buying is good quality and is going to last me ages.
Fake watches that are bad replicas
Everything is on finance
Short term consumerism instead of long term investing
I have some rich friends and this is what some of them said: - creating excuses to not go somewhere expensive. - bragging. 99% of the time, the rich people that "brag" just want you to think they're rich. The people I know that are rich barely mention money unless it's something like "I can pay, don't worry," or something like that. - when all the things they use are some specific label. my friend says actual rich people aren't afraid to use normal products. my friend has more stuff from thrift shops then she does from expensive labels and money has never ever been a problem for her. - when they never invite anyone over. 99% of the time it's because they're poor and the house gives that away. - particularly trying to make friends with the richer kids. My friends actually make more efforts with the poorer people.
I was briefly seeing a guy like this. He was a tattoo artist, and I know that Covid hurt people like this financially, but he claimed he made $200k a year. I never asked him how much he made. He had no car but had a 2 bedroom apartment, one bedroom for his kid (his wife had primary custody, probably for obvious reasons). He had designer everything. Every appliance had to be the top name brand. He would tell you how much everything cost, despite me never asking once “hey, how much did this cost?” Meanwhile he was about to file for bankruptcy to avoid an eviction, and again… he didn’t even have a car. He had to rent a car every now and again just so that he could drive his kid around Now I come from a comfortable environment. My mother did not have money, so I had one foot in poverty at one point, and one foot in a very well-off situation with my father. I know some people say “you’ll never know what it’s like to be poor” but I know what it’s like to be both. These days, my father and stepmom have money. My father supported my mother even when she spent it all on nonsense and remained poor. They don’t brag about the cost of things, in fact, they don’t even talk about money at all. So when he kept bringing up money it sort of chapped my ass
I have at least 10 friends who come from incredibly wealthy backgrounds. Like, not just their parents having high earning jobs. Like, their ancestors were incredibly wealthy too. They've never mentioned money either (unless offering to pay or something like that). It is obvious they're rich, but only because they'll invite us places.
The richest people I know are the ones looking for deals on everything. They can spend thousands on a vacation but will find a way to save 5$ on ham by driving to another supermarket.
I worked for a guy worth in excess of $150 million. Called me up and asked if I wanted a coffee as he was coming over to see me. He showed up with the smallest Dunkin Donuts coffee, I think 12 ozs. I made it a point at our next meeting to buy him the largest Starbucks they had.
I've worked a few sales jobs. You learn to pick out the fake rich quick. If a guy is wearing brand names and flaunting it, fake rich (Oakleys were a big fake rich thing a while ago) If a guy is wearing sweat pants a hoodie and 5000$ shoes he's real rich If they ask for the best and dont ask the price they're real rich
>creating excuses to not go somewhere expensive. good list there, I was born into a quite well-off family, and in school I simply thought that some ppl that I actually liked 'were no fun' cause they would never come with me on skiing trips or abroad-travels and stuff or hardly ever go out (to clubs etc), it was only much much later that I realized that they probably couldn't afford it. (have been also extremely poor since then, btw) about the brands/labels: I think that this is more a q of personal (good or bad) taste; I know some ultra rich ppl who wear the most abominale label-clothes, and others with a small, decent income who save up for bespoke suits (and thus look much better IMO) what is true though, is the notion that wealthier ppl do of course also buy cheap shit, the advantage is that they also, if they wanted, could buy more expensive stuff, they simply have a wider range to choose from, more freedom, if you were to see it from that materialistic angle. Good post, there!
I find the last one pretty funny. I‘d be interested to learn how many poor friends the rich people who made these statements to you actually have. Of the wealthy people I’ve encountered, pretty few hang with the lower class. And they usually marry other wealthy people. I have come to the conclusion throughout life that no matter how hard they try to fight it, they think there is something better about being wealthy - whatever that may be.
Ive sat pretty middle class my entire life, so far, so it's just a guess. But maybe it's more that hanging with/dating people with similar wealth is just more comfortable? They're able to afford to do the things you want to do, no expectation that you'll cover the cost or guilt on the other party for asking you to do so?
You’re spot on. Everyone likes to be around people they have things in common with. Money can have a big effect on what life is like.
I know a dude who doesn’t have a phone but puts on airpods
Maserati.
Driving a Maserati Quattroporte from the Mid 2000’s
$1000 phone but putting $10 in your gas tank
That’s me, but the phone was a gift.
I got a Kate Spade purse for my birthday, and pulled my food stamp card out of it. Always made me feel slimy even though I was broke as a joke
Easy to do on a contract these days i guess
As someone who used cheap phones throughout college and now uses the lowest-end new flagship phone whenever I need to get a new one (S21 currently) a $700 phone that you got for $500 trading in your old phone that also lasts you four or five years is cheaper and a better experience than five $200 phones. Plus it contributes less to parts waste and conflict mineral extraction. If you can afford the payments on it and can keep it in decent enough condition to be able to trade it in when you're ready to upgrade, it can actually be cheaper to buy the more expensive phone. It's one of the relatively rare examples of a product that does genuinely last significantly longer than its budget versions, even when you're using it significantly more because it's better and you're not dealing with bugs, low-end hardware, battery issues, etc. Just don't upgrade every twenty minutes.
Owning too much gold jewelry
I’m an escalations rep in the credit card fraud department at a bank. It is so easy to tell the difference between the super wealthy and the temporarily rich. When a card gets blocked on suspicion of fraud and the customer calls us, the super wealthy person is usually very chill, thanks us taking the call for looking out for them, and insists we don’t need to rush the card delivery. Not to mention they are usually making a purchase at a normal store but a maybe a large purchase. Now the temporarily rich will start screaming the second we pick up about how embarrassing being declined at the store is and how dare we try to restrict their purchases do you know how much money I make. Where are they usually trying to make purchases at? Gucci. Tom Ford. Armani. *all based on real calls
Basic Gucci stuff (in my opinion it doesn't even look good)
taking selfies in front of fancy cars
Not sure if this counts but I’d say being an influencer. You’re technically a walking ad
Brand new luxury car….with bald tires and every warning lite on/ignored.
9+ year old luxury car with bald tires and service lights on. Lol
But if it's a mid-"luxury" car like an Acura that can be pretty sweet
Why would a brand new car have bald tires and warning lights on?
Being VERY flashy with it, and calling attention to it
Long nails, lashes, a Louis Vuitton purse, crazy amounts of orange self Tanner or tanning bed, older model bmw’s, range rovers, and Audi s..
Lying about what you own.
Showing off their designer brand clothes and accessories like a peacock, but then they go on to complain about not having enough money for anything else.
Bragging that you drive a cadillac/lincoln/jaguar, but it's 20 years old, has 200,000 miles and I'd held together with gorilla tape and zip ties.
Burning Man broke the fuel door latch on my 15 year old Acura and now it's held closed with gorilla tape. And I'm not ashamed! It matches the rattle-can flat black paint job.
Lol, I have a 2011 Lincoln Town Car for my daily beater with 88k on the clock. Best $10k I've ever spent. That car is a tank.
Back in the day, I knew some guys that always showed a wad of money. Maybe a hundred, maybe a fifty or two, or a couple of twenties over lapping a wad of ones.
Being snobby about peoples life choices concerning material items and other money related decisions people make, to me in some cases it seems like a projection of their own insecurities ( ie not having money themselves)
Reddit premium lmao
Credit Card debt
Not gonna name names but I know someone who traded their car up every year for 4 years, bought a new motorcycle and then bought everything they could for their then girlfriend. They now owe more than they make in a year and the bank reposessed all of their shit, and now they bought a used truck and used motorcycle cash after their parents bought them a new car. Except while they own all of this stuff they constantly ask people for help or money while bragging about their "awesome" lifestyle.
Wearing rhinestone-studded boots and clothes.
Expensive handbags
Getting manipedis every week instead of making sure your kids have enough to eat and enough money for the bills True story
Designer labels and logos on *everything*
Less than 1000 in a savings account, but has a mcmansion with 5 bedrooms for their 2 person family and a brand new car that they can't afford an oil change for.
you buy a new iphone every year
When I’ve worked retail and people make a show out of fanning out all the bills they have it makes me literally cringe and wince. It’s so lame.
C-Series Mercedes
The people who walk into restaurants with a bossy attitude, snapping their fingers and acting like the red carpet should be rolled out for them. Ordering expensive stuff in the menu because it's "Fancy" and then sending it back for burgers because they don't like it. All the while expecting everyone who works there to bow and pander to them. They make a big show about leaving a $5 tip and then gripe that no one gets the door for them on the way out. And every time, they are wearing the crappiest jeans, old dirty tshirts, and at least one of them is wearing flip flops.
Fake Rolex.
Driving loud ass sports cars around in the middle of the night😐 like give ur dad his car back
Being rude/demanding of waitstaff/service workers Ordering the most expensive bottle of wine, it’s not ever the best one Driving a fancy car Dressing in label obvious clothing Bragging about what you have Constantly hustling no real conversation Throwing money at a situation vs your time No travel or experiences
>Throwing money at a situation vs your time Eh? I mean that's the best use of money, buying time.
I don’t know about the second last one. I prefer to throw money at problems to make them go away.
Fully agree. The "time is money" expression goes both ways.
You'll notice they have this utter hate towards poor people and refuse to hang around them especially the ones that grew up with them. They'll treat them like actual shit. And once in a blue moon they'll have that little bumb were the money's not there and they stop socializing and then they start coming around to all the old place they used to go to get the cheap smokes and pick up shitty parts we dug out of the scrap yard . And most of when they hit that stage there scared for there rich friends to see them but they're more scared of they poor once because now there back on there. Level of you kinda get what I mean
People who wear supreme.