Oh man, what would I do with a $1,000,000? first of all I would get me and my family out of the ghetto, knowing that I would be able to afford a house or a better place to live and afford to pay the bills and/or mortgage, I would feel financially secured. I would still be working for a 401k+ and a pension and a social security check as well. I would feel more comfortable working and hopefully going to college without financial worries, because for me its hard to hold on to a job, every time I find me a job I either don't like it or get fired, that's sad, I know. But I have to always keep moving forward and find me a new/better job. I hope for the best for myself even in this economy in New York City. But what really makes me financially depress is the inflation the cost of living in a better place. Hoping that I would make enough to live without financial worries or financial depression. Trust me this city can either make you or break you and I pray for all of those who try to make it without stooping low in this city the best in life to free yourself from all problems the city can bring.
So yeah, $1,000,000 for me would just be enough to hold unto for financial security not to go out and spend it foolishly on all the garbage this city advertise.
Israel Lopez
Do you really think that a 401k is enough money to live your dreams in life? NO WAY. It can only be save for a rainy day. I CANT buy a HOUSE out here in New York City or start a family with it neither, I'm not going to raise a family of my own in the ghetto, so I'll just save my money for financial security and enjoy my pension and wait for my social security check. Making $20,0000 a year is not enough to afford a Section 8 or Co-Op apartment, ONLY low income H.O.U.S.I.N.G apartment and its too ghetto and I hate it, but what choice do I have. Maybe in another state it would be better to live, MAYBE.
Unless I have a 401k investment plan like get into network marketing I could have a chance to be successful, but most people are too afraid to invest because they don't think they'll succeed in it. I'm hoping I could do 24 years of hard work holding on to the same job and retire, in 10 years a pension and benefits start to kick in and the rest of the 24 years to save up to a 401k to have in my savings and just plan to pay rent with my pension and enjoy what's left of it, maybe save it as well in my checking. Maybe I'll go back to school (college) within my 401k plan and study something I would like to become and make more money, I hope.
So yeah, I'm guessing either go back to college and invest in network marketing within my 24 years of hard work for a 401k. I'll be darned.
Israel Lopez
I lived in Brooklyn, New York all my life in a H.O.U.S.I.N.G apartment in the projects and I hate it already, why?, because I'm sick of the ghetto. I could be a little bit prejudice and I hate ghetto people, its disturbing. I remember being a bit ghetto when I was younger in my teen years but I grew up and I am no longer like that no more, thank God. But their are people who seem that cant grow out of that stage. What disturbs me is the gangs, graffiti, the dirty streets, even the buildings, this is another thing that depresses me, I want to leave and move out but how can I with a 401k plan I have for myself, apartments like Section 8 and Co-Opt are way too expensive and now you need gain credit to have such place. President Donald Trump wants to raise minimum wage in New York City to $25 dollars an hour but that's just going to inflate the economy, the price of food, clothing, the rent will go up and the more taxes will be taking away from my check, why cant President Donald Trump say that he going to raise minimum wage but also not take away more taxes, not raise rent or inflate the city.
Another thing is why would I want to move from H.O.U.S.I.N.G to another H.O.U.S.I.N.G apartments, from one ghetto to another ghetto, for that I support my mom and help her pay the bills where I'm at. I don't want to leave my mom in the projects, I would love her to move with me out of the ghetto if I could. This is why college is important and having a High School Diploma, I was lucky to graduate High School, this gives me the chance to go to college with Financial Aid but I think Financial Aid has its limit for everyone because then you have to pay for college yourself.
My financial depression is that I wish I could have had finish college but I was flunking school, I could only try to redeem myself and go back to college within my 401k plan. I would love to move to a HOUSE somewhere away from this depression I'm in, the ghetto. But making $20,000 a year after taxes isn't enough not even for a nice apartment that is nothing like H.O.U.S.I.N.G in New York City.
Israel Lopez
I was born in the year 1989 which means that I grew up in the 90's (duh) watching my favorite shows like Fox Kids, listening to Radio Disney, going to Public School, etc. I miss the 90's I miss how everything use to feel I could remember that there was a vibe I felt. Now I don't feel nothing like it anymore, I don't feel no vibe/vibration in today world, everybody seem to look like android hook on their cell phones out here in NYC.
Going to the mall felt very different back in those days (Queens, New York) I was young so the holidays felt like something like Christmas, seeing Santa Claus at the mall was fun. The toys store was great like Toy R' Us, even when it wasn't the holidays when I went to the toy store I wouldn't get nothing but we would just go and see the toys. Now as a 36 years old man it doesn't feel like the holidays, its depressing for me, the vibe change and I really don't celebrate it, no decorations at all, sad.
Now in today time I really don't put mind to celebrities I stop listening to the FM radio but I still watch TV but mostly the shows or movies from the pass like the 90's, 80's, 70's, 60's, 50's and 40's, I will watch up to date movies at time as well.
In today world nothing feel the same, the truth is here in New York City the people seem to be stuck on their cell phone and its scary, I only use a flip phone not an android cell phone, I don't want to be like everybody else.
Israel Lopez
I'm a grown man at the age of 36 year old but the truth is my heart still feels childish, kind of like Joey from the TV show "Full House", I still eat my bowl of cereal and watch my cartoons, sit down like a kid (Indian style, feet folded on my bed) to watch my television shows other than me laying down on my bed, it just seems that I cant grow up mentally. I don't have any responsibility except to help out with the rent money. I "SOMETIMES" act maturely but not always. No I don't have a girlfriend or a wife, neither do I have kids, I cant afford them anyways financially, maybe that's what is keeping me from growing up and that is taking on responsibilities like starting a family of my own, I said MAYBE keeping me from growing up. Don't get me wrong I would like to grow up and change my life and take up responsibilities a grown man should have, but how can I? life is too hard financially with just a High School Diploma. I would like to have a beautiful wife and have kids if I was financially secured and know that I can afford everything a father could or should have to have a family of his own, but I don't, maybe in my next life, if God permits me to. I still live with my mom, don't laugh.
Lets see what are the things I like to watch on television, oh yeah I know, the HAIM SABAN shows from the 90's on Fox Kids and also the cartoons I like to watch are from the 90's, 80's sometime from the 60's and 70's, OF course ANIME. I'm like a nerd and I'm very nostalgic.
But I still keep praying to the heavens for Strength, Wisdom, Health, Prosperity, Courage and Love (friendship).
Israel Lopez
The truth is a 401k is not enough to invest in your dreams in New York City, it can only be saved for a rainy day. What I'm trying to say is that if you want to buy a house with an investment of a 401k it couldn't do, the house would cost too much and then on top of that you have the mortgage or bills to pay. Making $20,000 a year and saving it until your retirement wouldn't be enough, for someone who didn't go to college and just has a High School Diploma. I'm sorry but that's the truth, my financial depression is that I wish I could have had finished college and made more money. I can't raise a family with a 401k because it wouldn't be enough for a family to raise, things are expensive in New York City, I don't know how people can do it.
I could only say that when I do hopefully retire with a 401k+ after 20 years or 24 years of hard work I can just have saved my money and enjoy my pension after paying the bills with some of the retirement check, that's my goal, that and my social security check at the age of 65 years old. I just hope that in time I go back to college and study something I like to become and make more money within the years of my 401k plans, to afford the things I wish I could have, I would just continue to pray for prosperity. I'm just speaking for myself for one person because I couldn't take care of someone else needs or wants like starting a family of my own.
New York City is being bombarded with inflation the rise of taxes, rent, food, clothes, etc. I cant imaging the people that are in debt because of a college education or a loan they took, how difficult it could be for them and by the way the more money you make the more money they take away in taxes from your check and your rent. So trying to save some money and keeping up with the economy could be difficult for someone who is trying to save up for something like a house and trying to get out of an expensive apartment. So yeah...
Israel Lopez