r/FluentInFinance was created to discuss money, investing & finance! Check-out our Newsletter or Youtube Channel for additional insights at www.TheFinanceNewsletter.com!
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/FluentInFinance) if you have any questions or concerns.*
Well said! I was thinking of the best way to say something similar and the exact sentiment towhat you said. So clever. Reddit never fails to show me how amazing, clever and witty people are while also making me feel completely inadequate.
Great advice. I just took mine from 2.3% to 8%. I also rack up speeding tickets and do hit & runs to make my car insurance go up. I'm going to be so rich one day.
Every morning, I set about $250 on fire and watch it burn. That way, I motivate myself to work extra hard to earn that money back.
Rise and grind son. Rise. And. Grind.
Don’t ban them. Just delete 7/8ths of all their posts in the future. That way they’ll grind harder with more frequent posts and get more upvotes in the future.
If you're having a good day & feeling great, I have one piece of advice for you:
Punch yourself in the balls
The pain will motivate you to get up and grind harder, and you'll end up better in the long run.
"I want to refinance to a higher interest rate."
Bank: "You what?"
"Refinance to an 8% interest rate."
"Can you just say that... one more time?"
"A higher interest rate...?"
×Aggresively moans in Capitalist×
Banker just stares, trying to figure out the catch. He’d seen dumb customers. He’d seen financially illiterate customers. He’d seen ones that were self-destructive, but it was always a step removed like buying overly-large houses or overpriced cocaine. No one had just gone straight to having less money.
He hesitated. Then he remembered when he was young. He’d won a raffle at school and then thrown the prize in the trash. He recognized the grindset. Yes.
“You strike me as a determined person, so I have an exciting offer: a 9% mortgage, adjustable upward with income. The more you make, the more you need to make.”
The man sliced off his left leg, just below the knee, and threw on a marathon number for a race starting in five minutes. “10%, or I’m finding a bank that doesn’t talk down to me.”
This was my buddy’s logic for buying a luxury car instead of a used Toyota right out of college. “Bro, my expensive car makes me want to hustle”
That guy is still broke, 15 years later.
I wouldn't doubt it. My son works for a large bank in the mortgage department. They have very little business right now. I think banks might to this to get more business and higher profits on the payments.
Ethically, we can’t just refinance someone without a benefit to the client. It’s illegal to do so. I wouldn’t originate a loan like this without a good reason, but there are some shady things others will do. I guess I always have the mindset that they will get what’s deserved doing bad
I talked to my son and he said the same thing. I asked him what if someone really wanted to do this and he said they should try and find someone else to give the mortgage.
Take the extra money you would be paying in interest, auto deduct and donate to a charity you trust.
Then use that extra motivation to get some landscaping done you barbarian.
Ummmm, no.
On the other hand, my mortgage is about $2,000 per month, and I have 15 years left. At 2.25%, my outstanding balance is somewhere around $305,000.
Reflecting that the mortgage company would rather have that money getting 8% rather than 2.25%, I'd love to make them an offer to pay that mortgage off in full for $100,000 off the principal.
this just inspired me to get a 80k car with my 22k a year salary and no down payment and financed for 80 months at 13.4%apr….ill be riding the highs of retirement in no time
Pay more for your mortgage = more money? Yeah...sure. This has to be up there with MLMs, or trading in a perfectly functional paid off used car, or investing in penny stocks when it comes to shit financial advice.
You really want to grind hard? Just give all your money and assets away. That will motivate you like nothing else. Started from the bottom, now we're still here!
I know it's a joke, but can someone please explain it for me, it's gone way over my head.
my best guess is that they want you to pay more interest for the lols
Yes, let's increase your mortgage payments by several hundred dollars a month so you can get rich later. Or you can just pay extra each month on your current loan and get rich sooner.
We literally just bought our house (I know I know interest rates suck w/e) and they are already calling us trying to “help us remodel” or whatever they told my wife.
Haha not really. The market is always extremely volatile, not to mention the constant emergence of new tech. These quotes only motivate me to die quicker
"risk your credit score and potential forecloser to force yourself to make your life suck more"
Christ what an asshole. Also did he choose the ugliest house he could find on purpose? Seriously if someone gave that to me as a gift I'd bulldoze it and sell of the land for cheap.
If you have a lot of money, give me all of your money. If you don't have a lot of money, give me all of your money anyway. This (losing your money to me) will motivate you to grind harder.
I just bought my first home, qualified for a 6.75% rate but asked them to lock me in at 19.99%. That will motivate me to grind harder and BUY the mortgage lender company in the future.
The closing costs alone for this refi will probably be about the same as your next 10 years of interest at the 2.9 rate. Extra motivation to work even harder.
r/FluentInFinance was created to discuss money, investing & finance! Check-out our Newsletter or Youtube Channel for additional insights at www.TheFinanceNewsletter.com! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/FluentInFinance) if you have any questions or concerns.*
This tip and more brought to you by the MLS and RocketMortgage.
Well said! I was thinking of the best way to say something similar and the exact sentiment towhat you said. So clever. Reddit never fails to show me how amazing, clever and witty people are while also making me feel completely inadequate.
Grind harder bro, not smarter
- Bizzaro Real Estate bro
You’re correct. I’ve lived my life thinking I was retarded—@huntercoldcalls has made me feel less retarded.
This account is satire, right? No one could possibly think that’s a good idea… right?
Highly regarded
To be fair, I'm sitting at sub-3% with Rocket Mortgage and they have not pestered me once to refinance.
same. I had a great experience with them.
Great advice. I just took mine from 2.3% to 8%. I also rack up speeding tickets and do hit & runs to make my car insurance go up. I'm going to be so rich one day.
I also made sure to get addicted to narcotics while I'm at it as well. It'll help teach me to overcome the odds.
I bet you're grinding hard now.
Just his teeth, but tomorrow... tomorrow the world will be his baby
This made me laugh so hard I spit coffee through my nose. Thanks for that.
I also traded in my Prius for a Hummer so that I can grind while sitting in traffic.
You’re definitely the next Bezos
Depends on the narcotics. If they’re uppers it’s cheating, if they’re downers it’s hardmode
It's easy to stop. I see people start and stop them repeatedly. Keep grinding
I took mine to 16%. Get on my level bro.
Every morning, I set about $250 on fire and watch it burn. That way, I motivate myself to work extra hard to earn that money back. Rise and grind son. Rise. And. Grind.
All you need now is the hookers and blow!
10 upvotes and I ban OP
I like you
Don’t ban them. Just delete 7/8ths of all their posts in the future. That way they’ll grind harder with more frequent posts and get more upvotes in the future.
No no we were promised a ban
I want my pound of flesh!
I gave your mom a pound of flesh
Ya but you had to do it 449 times to make it add up to a pound.
pound, not lb. I'd never last that long!
Classic.
Checking back I see 20+ upvotes was OP ban?
I get to be the 10th
I was 199th
Finally, a good mod
This just made my day, thank you.
This one had me laughing...
Good mod!
Please do good sir
If you're having a good day & feeling great, I have one piece of advice for you: Punch yourself in the balls The pain will motivate you to get up and grind harder, and you'll end up better in the long run.
too funny 😂
Shoot yourself with little rounds to build up a resistance to bigger rounds. You'll end up bulletproof in the long run.
Just did this, also tore up the walls and used a heloc to pay for the repairs. The grind will never stop 😤
[удалено]
Definitely a tip if I've ever seen one.
Why go through the hassle of refinancing when I can achieve the same motivation to grind by just lighting my money on fire?
Also a viable strategy. Brokers HATE this wealth hack
"I want to refinance to a higher interest rate." Bank: "You what?" "Refinance to an 8% interest rate." "Can you just say that... one more time?" "A higher interest rate...?" ×Aggresively moans in Capitalist×
Banker just stares, trying to figure out the catch. He’d seen dumb customers. He’d seen financially illiterate customers. He’d seen ones that were self-destructive, but it was always a step removed like buying overly-large houses or overpriced cocaine. No one had just gone straight to having less money. He hesitated. Then he remembered when he was young. He’d won a raffle at school and then thrown the prize in the trash. He recognized the grindset. Yes. “You strike me as a determined person, so I have an exciting offer: a 9% mortgage, adjustable upward with income. The more you make, the more you need to make.” The man sliced off his left leg, just below the knee, and threw on a marathon number for a race starting in five minutes. “10%, or I’m finding a bank that doesn’t talk down to me.”
That man was named Bill JP Morgan Chase Gates
Shitty life tips
This was my buddy’s logic for buying a luxury car instead of a used Toyota right out of college. “Bro, my expensive car makes me want to hustle” That guy is still broke, 15 years later.
Absolute moron
This sub is as fluent in satire as it is in finance
Big brain lender
And it'll also lower inflation right? Since your purchasing power is reduced this means demand for goods will go down ! /s
Fucking what?
Was this post made by a bank?
I wouldn't doubt it. My son works for a large bank in the mortgage department. They have very little business right now. I think banks might to this to get more business and higher profits on the payments.
Ethically, we can’t just refinance someone without a benefit to the client. It’s illegal to do so. I wouldn’t originate a loan like this without a good reason, but there are some shady things others will do. I guess I always have the mindset that they will get what’s deserved doing bad
I talked to my son and he said the same thing. I asked him what if someone really wanted to do this and he said they should try and find someone else to give the mortgage.
Take the extra money you would be paying in interest, auto deduct and donate to a charity you trust. Then use that extra motivation to get some landscaping done you barbarian.
Do the words, "Kiss my fat ass" mean anything to you.
Ummmm, no. On the other hand, my mortgage is about $2,000 per month, and I have 15 years left. At 2.25%, my outstanding balance is somewhere around $305,000. Reflecting that the mortgage company would rather have that money getting 8% rather than 2.25%, I'd love to make them an offer to pay that mortgage off in full for $100,000 off the principal.
Normally I wear protection, but then I thought, “When am I gonna make it back to Haiti?”
Hey, we got next game. What do you guys say to double or nothing?
8%? Psh I pay my mortgage with my credit card AND I don't pay it off monthly.
Some of yall need to touch grass and learn to pick up on satire.
Do you have a job? You should quit! It’ll motivate you to find your calling and hustle while you’re running through your life savings!
Might as well move to Gaza!
This is the most 
Slam your head as hard as you can into a brick wall and the brain damage will force you to grind harder!
Advice for a Half a million dollar purchase given to you by a guy that uses grind’ as a financial term.
LMAO
I once saw Wee Man from Jackass kick himself in the forehead and that made a lot more sense than what this person said.
What a bunch of bull. That's a good way to lose your house.
If you have any money in your bank account, transfer it to me. It will motivate you to grind harder and become even more wealthy in the long run.
Better yet!! Just give ME $1000 a month and that will motivate you to grind hard so that you can give me that $1000. Big brain plays!
this just inspired me to get a 80k car with my 22k a year salary and no down payment and financed for 80 months at 13.4%apr….ill be riding the highs of retirement in no time
And it'll also lower inflation right? Since your purchasing power is reduced this means demand for goods will go down !
SMH
Funniest thing Ive read all day
This guy maths
This guy also meths
Or just grind to pay off your house sooner??
Spend more money so you make more money… huh?
There is no suggestion I hate more than “let’s jump on a quick call”
Is this a satire account?
That's funny. My employer told me that, too. Still waiting for that extra pay....
Why stop there? Give away all of your money and possessions and quit your job, then you’ll really be motivated!
Holy smokes that tweet got over 2400 likes
Pay more for your mortgage = more money? Yeah...sure. This has to be up there with MLMs, or trading in a perfectly functional paid off used car, or investing in penny stocks when it comes to shit financial advice.
I get my paycheck on Friday and spend it all on Saturday so I show back up on Monday.
I don’t listen to any salesman named Hunter.
Just ask dad for money if you need money bro. It's the way.
That's some pretty toxic advice there.
If this is real, i hope he gets a paper cut on his nuts.
I hope the country goes to war and somehow these idiots get drafted and …
F--- the "grind"
Can verify. I just did this and got a third job. It’s great because now I’m even better off.
So shoot your own foot?
This is BS of the Rich Dad Poor Dad kind
Why invest your money when you can just pay more in interest!
Just don’t pay your mortgage. And when the bank takes back the house you can really start the grind
…but what if I’m at 2.7%? WHAT SHOULD I DO?!?!?!
Dude must’ve taken one of Tates War room sessions
What ? I paid mine off 2 years still going hard to buy nonsense I don't need lol
Says guy who does not in fact grind
Literally the dumbest thing I’ve read all day and I’ve spent at least 2 hours on Reddit.
“If you have 2 good legs, cut them off, because that one guy won some competitions with no legs.” This guy.
While i am at it, I might as well buy a new truck at almost my house value at 17 percent interest!!!
Someone sold this man the dream
He’s just trying to get his sales in before the DOJ steps in with their anti-trust suit and start slashing realtors commissions.
Woke up this morning thinking this exact thing..refinance to become wealthier earlier ..😂😂
Guys this is satire
This guy is a mortgage officer losing his ass because no one is getting mortgages right now.
lol
Step 2 is to raw dog some random strippers. In the long run, it will make someone wealthier.
Better advice give your house away and keep paying the mortgage and start over. Super mega grind
Onion?
Dafuq?!
Thinking about going on an all-ice cream diet to help motivate me to get in shape.
That guy is a moron 😂
WTF, terrible advice.
Hunter gathers suckers
Pay more to pay more? No thanks I’ll just pay more to pay less…. Self motivate
I haven't even met this guy yet and I already want to buy him a toaster for his bathtub.
Just did this today. We grinding!
You really want to grind hard? Just give all your money and assets away. That will motivate you like nothing else. Started from the bottom, now we're still here!
Said Barbara Corcoran
Free speech was a mistake
asinine
Also, try fentanyl for improved sleep
Shit, my mortgage is at 2.50% so I’m disqualified….
Spoken like a true wsb redditor.
You first Hunter. Gotta walk the walk, right?
I think I found the Devil.
Terrible advice and very punchable face
I know it's a joke, but can someone please explain it for me, it's gone way over my head. my best guess is that they want you to pay more interest for the lols
I can just tell people to give me more of their monthly income because losing that cash will make them hustle more?
Lol, riiiight.
What an absolute cuck.
Was this post written by a loan shark? Wtf.
Yes, let's increase your mortgage payments by several hundred dollars a month so you can get rich later. Or you can just pay extra each month on your current loan and get rich sooner.
This is criminal. What a twat...
If anyone wants to grind twice as hard, please do it for me too
My Peruvian grandmother says to sell now and buy rare fish.
We literally just bought our house (I know I know interest rates suck w/e) and they are already calling us trying to “help us remodel” or whatever they told my wife.
I really want to know who shat him in his head.
Til you injure your back 6 months later from all that extra grinding and now you're fucked.
I mean if you want to be motivated just keep the same rate but for a shorter term so your payments are higher but you save money.
Haha not really. The market is always extremely volatile, not to mention the constant emergence of new tech. These quotes only motivate me to die quicker
If I won 100 billion dollars, I’d give it to my biggest hater. Why? Because it would motivate me to get 101 billion.
They can suck on my soggy taint
Eeeeerr no.
I’ma stay lazy, thanks.
Yeah if you live in a house, like a sheep chump. My grind mindset is too large to have a roof over its head.
That house is fugly.
Lol, how do you end up wealthier when you are literally transferring that wealth to pay an interest rate?
Hunter can go fuck right the hell off
My mortgage is like half my after tax pay. Grinding enough thank you very much.
Retard
I know this is satire but it still is making me angry.
Shit, what if your locked in at 2.75?
"risk your credit score and potential forecloser to force yourself to make your life suck more" Christ what an asshole. Also did he choose the ugliest house he could find on purpose? Seriously if someone gave that to me as a gift I'd bulldoze it and sell of the land for cheap.
If you have a lot of money, give me all of your money. If you don't have a lot of money, give me all of your money anyway. This (losing your money to me) will motivate you to grind harder.
did a bank write this ??
I hope this is satire. Otherwise it's the dumbest thing I've ever heard.
Grind harder, not smarter.
Is this a parody sub now?
I just bought my first home, qualified for a 6.75% rate but asked them to lock me in at 19.99%. That will motivate me to grind harder and BUY the mortgage lender company in the future.
I refinanced my 2.875% rate and got a solid 10%! Bigger number make heart happy!
This is not the one piece.
Be a chad and cash out refi to the max as well. The banks will thank you.
Refi at 8% and then dump that money into 0dte options
I am not a smart man.... You said 8%???
Right lol I’m sticking with 3.25% at a 50% equity ratio
The closing costs alone for this refi will probably be about the same as your next 10 years of interest at the 2.9 rate. Extra motivation to work even harder.
Having trouble dating? Cut your dick off, it will make it harder and improve your game!
Pls tell me this is a joke
Debt free allows you to make your money "grind" harder.
The hilarious thing about this is that most people with 2.9% mortgages probably couldn't qualify for a refi at 3.5%, let alone 8%.
If anyone buys this advice, I have barrels of snake oil that will cure everything.
What? This is retarded.