Kevin Samuels Discussion Thread

Balla

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the issue many men face is we ARE supposed to grind when young, then once we hit that 35-50 window, if we want marriage look for a wife. Thing is the bachelor life consumes many men, that they live it up, and hit 65 with no kids, and start seeing their friends die, family die, and then look in the mirror like what all do I have to show for it.

IMO if you bout that 50/50 partner life then you shoulda found your wife in college (assuming you went), post College you are better off grinding and building on your own (because no matter what women say they dont want to build and struggle with you), creating those safe guards where the damage is minimal if you get a divorce, so then you can enter a marriage on your terms because you know you can take the hit, and you are in your financial stride where post divorce you still will be making good money and probably come out with more money than you had before marriage.

And 50/50 isn't about depending on a woman its about yall lightning each others load, thus reducing stress, thus being able to put money aside for your kids, and have a safety net for emergencies (i.e a partner cant work, dies, laid off , etc). It's not fair to talk about you wanna be equal then still put the burden on the man, but these women pride won't let them pay bills and still listen to their man for logical reason even though he may be much stronger.

I feel if you going to do the 50/50 thing yall need to vet each other and examine strengths and weaknesses, and then come to your agreement on who will lead what areas, and for areas yall both weak in yall will figure it out together. If ya lady cant cook worth a damn, but you can, it doesn't make sense to put the burden on here. On the times you cant cook, guess what she orders takeout for the fam. People never have these convos they just jump into stuff trying to imitate what they assume is right when everyone is different.
What I meant by depending on a woman was about her income helping me that much where if we were to break up, life would be that much harder.

I want a life where I can still manage to do just fine without worrying about her income at all. It’s a nice bonus, but I’ll still leave in an instant if I want to, and still be good.

I think I’m not gonna worry about the marriage and kids thing because I definitely wasn’t ready for it when I was younger, and I’m still not ready now.

When you mention marrying at 50 that’s what I thought as well lmao, but that is not common with a chick that can have kids, unless you meant having kids before that.

I always felt 40 n up to be a good age to settle down. You’re not too young or too old.

Idk though shyt low key stressin, but I can’t worry about because it does me no good.
 

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What I meant by depending on a woman was about her income helping me that much where if we were to break up, life would be that much harder.

I want a life where I can still manage to do just fine without worrying about her income at all. It’s a nice bonus, but I’ll still leave in an instant if I want to, and still be good.

I think I’m not gonna worry about the marriage and kids thing because I definitely wasn’t ready for it when I was younger, and I’m still not ready now.

When you mention marrying at 50 that’s what I thought as well lmao, but that is not common with a chick that can have kids, unless you meant having kids before that.

I always felt 40 n up to be a good age to settle down. You’re not too young or too old.

Idk though shyt low key stressin, but I can’t worry about because it does me no good.

Its called being a functioning adult lol. If you aren't financially self sufficient while single you shouldn't be in a marriage, and if you find a woman where her entering your life = increase in financial liabilities then she is a cancer that needs to be cut out.
 

Balla

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Its called being a functioning adult lol. If you aren't financially self sufficient while single you shouldn't be in a marriage, and if you find a woman where her entering your life = increase in financial liabilities then she is a cancer that needs to be cut out.
That’s exactly what I meant lmao. The way KS makes it sound though is that you need to be married because you can’t make it on one income.

To me while that is true in some cases, it puts you at the mercy of the other.
 

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That’s exactly what I meant lmao. The way KS makes it sound though is that you need to be married because you can’t make it on one income.

To me while that is true in some cases, it puts you at the mercy of the other.

thats for women because women tend to consume more then men. Men can get by in a 800 dollar apartment in the hood with an air mattress and wifi lol. Lotta women feel they in poverty if they furniture aint cute and will file for divorce because of it
 

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thats for women because women tend to consume more then men. Men can get by in a 800 dollar apartment in the hood with an air mattress and wifi lol. Lotta women feel they in poverty if they furniture aint cute and will file for divorce because of it
Must be because while having 2 mil is nice, do you really need it to live a nice chill life after retirement? I think brehs can survive off less.
 

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Must be because while having 2 mil is nice, do you really need it to live a nice chill life after retirement? I think brehs can survive off less.

nah you need that in retirement because of the health issues you will face later on. You dont want to become a burden on your children + the cases of folks with no children. With inflation that 2 million will end up being more like 5 million.

I think while dudes are young they need to be securing property and stuff in their name that they can utilize when they are old and retired so they dont have to worry about Rent/Mortages and just focus on maintaining a modest life and paying taxes.
 

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Must be because while having 2 mil is nice, do you really need it to live a nice chill life after retirement? I think brehs can survive off less.

No. That’s just another one of his exaggerations. Assuming you’re house and cars are paid for, you should be able to live comfortably off 600k.
 

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No. That’s just another one of his exaggerations. Assuming you’re house and cars are paid for, you should be able to live comfortably off 600k.
yall consistently ignore the risk of life changing health issues or natural disasters plus the concept of passing something down to your kids (if you dont want kids then disregard).

600k over 30 years of potential life is nothing. Unless you live in the hood you still pay property taxes annually that will be thousands of dollars lol, plus increasing cost of utilizes.

2mill in Retirement is NOT alot of money and people thinking its alot shows why Black people literally have no wealth.
 

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yall consistently ignore the risk of life changing health issues or natural disasters plus the concept of passing something down to your kids (if you dont want kids then disregard).

600k over 30 years of potential life is nothing. Unless you live in the hood you still pay property taxes annually that will be thousands of dollars lol, plus increasing cost of utilizes.

2mill in Retirement is NOT alot of money and people thinking its alot shows why Black people literally have no wealth.

Thats what health insurance is for.
You can leave an inheritance through your life insurance policy.
How many black people do you know with 2 million saved for retirement?
Most cacs don’t even have 2 million for retirement.
Of course 2 million is great, but how can you say you need 2 million, when most retired people who are living comfortably don’t have 2 million?
 

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Thats what health insurance is for.
You can leave an inheritance through your life insurance policy.
How many black people do you know with 2 million saved for retirement?
Most people, cacs don’t have 2 million for retirement.
Of course 2 million is great, but how can you say you need 2 million, when most retired people who are living comfortably don’t have 2 million?
health insurance doesn't = free, you still have deductibles and the cost of meds which are not cheap especially on fixed income. You sound very unexperienced so respectfully it aint even worth going into this with you. Life insurance is another bill btw, especially for a policy worth a damn. Enjoy that 600k for 30 yrs lol
:mjlol:
 

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yall consistently ignore the risk of life changing health issues or natural disasters plus the concept of passing something down to your kids (if you dont want kids then disregard).

600k over 30 years of potential life is nothing. Unless you live in the hood you still pay property taxes annually that will be thousands of dollars lol, plus increasing cost of utilizes.

2mill in Retirement is NOT alot of money and people thinking its alot shows why Black people literally have no wealth.
But KS says it himself that the only people getting that 2mil is if they are in high earning careers.

Who’s to say average earners will be married for all those years to make that 2 million.

It might not be a lot to some people, but if it’s not a lot why can’t everyone survive married or not, average income or not?

It basically sounds like if you’re not married you better be in a high earning field or that’s it. Which most people aren’t.
 
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But KS says it himself that the only people getting that 2mil is if they are in high earning careers.

Who’s to say average earners will be married for all those years to make that 2 million.

It might not be a lot to some people, but if it’s not a lot why can’t everyone survive married or not, average income or not?

It basically sounds like if you’re not married you better be in a high earning field or that’s it. Which most people aren’t.

I`m a High Earner and will have well over 2mill at retirement. Kev is giving conservative estimates since most folks ignore saving for retirement early on, especially the women callers. Lotta folks end up start trying to save once they have kids lol.

Look how much these callers consume, you think they gonna downsize their lives to 30k-50k fixed budgets? They still gonna have that itch to travel, brunch, and shop because the spirit of becoming a big mama aint in em (look at all the 50-60 yr olds posting bikini pics talking about how they still look good, or old women getting their bodies done).
 

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health insurance doesn't = free, you still have deductibles and the cost of meds which are not cheap especially on fixed income. You sound very unexperienced so respectfully it aint even worth going into this with you. Life insurance is another bill btw, especially for a policy worth a damn. Enjoy that 600k for 30 yrs lol
:mjlol:

It’s 20 years not 30. You retire at 65, you’re not expected to live to 95.
How are you gonna say I don’t know what I’m talking about when you don’t even know that?

Most middle class people have insurance carried over from their employers, and they also have Medicare.

Google how much the average 65+ year old has for retirement. Like I said earlier, I’m assuming the house and car is paid for, so all you have to pay for is the property tax, food, gas and utilities.
 

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It’s 20 years not 30. You retire at 65, you’re not expected to live to 95.
How are you gonna say I don’t know what I’m talking about when you don’t even know that?

Most middle class people have insurance carried over from their employers, and they also have Medicare.

Google how much the average 65+ year old has for retirement. Like I said earlier, I’m assuming the house and car is paid for, so all you have to pay for is the property tax, food, gas and utilities.

bruh enjoy your 600k and ignore inflation + health issues.
:mjlol:

avg person saves nothing and we supposed to strive for that. Good luck.
 
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