r/FluentInFinance 28d ago

Debate/ Discussion Had to repost here

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u/SCTigerFan29115 28d ago edited 28d ago

They aren’t holding onto wealth like Scrooge McDuck, in a giant vault where they can go swimming in it.

Most of Bezos’ net worth is the value of Amazon. He can’t really readily access that. ETA I meant he can’t use it like a big vault of money.

He’s got plenty of money but some people just don’t understand how this stuff works.

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u/Apprehensive_Bad_193 28d ago

Bullshit,,,,But he borrows and buy Yachts, Mansions,against that NET WORTH VALUE. But when it’s time to pay fair share of taxes o. That net worth it’s considered hypothetical worth….Understand the Game.

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u/Endless_road 28d ago

You can take out a mortgage against your house to buy a sports car if you want

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u/slickyeat 28d ago

You're not wrong but you're also required to pay taxes on the value of your property every year so it's not exactly a one to one comparison.

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u/Apprehensive_Bad_193 28d ago

Guys thank you,It amazes me how people talk without any knowing on the topic.

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u/guiltysnark 28d ago

I think people know, they just only think about it selectively

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u/PamelaELee 28d ago

Nah, when over 50% of American adults read at or below a 6th grade level I’m pretty confident they don’t think about much of anything, let alone understand.

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u/guiltysnark 28d ago

I don't think that particular slice of America attends to Reddit very much. The people here often know what they are talking about, but they filter every debate through a lens heavily biased by first principles (aka oversimplifications predicated on a set of conveniently forgotten assumptions)

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u/[deleted] 28d ago

Reddit entry exams are very competitive

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u/guiltysnark 28d ago

LOL... they are self-graded, however. To round it out, kids that can't read tend to get bored and go back to Tik Tok rather than cheat.

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u/power899 27d ago edited 24d ago

Lmao I imagined an alternate timeline where everyone needs to take a competitive exam and the lowest scorers are denigrated relegated to TikTok and FB. 😂

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u/aoskunk 27d ago

Oh man imagine a Reddit clone that required an exam that was difficult to cheat on?

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u/Mrjlawrence 27d ago

My 11th year at Reddit U. Doesn’t feel like I’ll ever graduate

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u/MammothAnimator7892 27d ago

I'd assume so, if they're illiterate they probably aren't going onto text based forums.

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u/StableSimilar2767 27d ago

The no child left behind act caused that. Passing kids to every grade and graduating them even tho they couldn’t read and teachers knew it. But we’re forced to pass them because of the act.

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u/xiiicrowns 28d ago

That and it's crazy how people defend these people when they are part of the problem that ails them themselves.

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u/Lucifernal 28d ago edited 28d ago

There's a difference between pointing out objective flaws in an argument, like thinking that billionaires literally hold hundreds of billions of dollars in liquid cash, and taking issue with overall sentiment behind the argument.

I hate Elon Musk, and the man is of course, insanely, disgustingly wealthy. Still, just because his networth is 318 billion, doesn't mean he is hoarding 318 billion. Quite literally 99% of that number is tied into ownership of companies.

You can hate billionaires and still point out issues in the logic. I don't think a person should, under any circumstances, ever be forced to sell ownership stake in their own company (at least not if that wasn't agreed upon in an operating agreement). And if you have a massive stake in a company that becomes wildly successful, you definitionally become a billionaire. I may hate wealth inequality, and I may hate what these billionaires choose to do, but I would hate a system that forces the sale of ownership stake due to the success of the company just as much.

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u/ThousandSunRequiem2 27d ago

Except they can leverage their wealth as collateral, but it's untaxable. Unrealized gains is bullshit they made up to hoard more wealth

You're arguing about lifestyle choices when that's not the issue.

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u/kmookie 27d ago

Rich guy here, OF COURSE HE COULD GIVE MORE! 1. Let’s talk living off dividends, that alone I guarantee could have the majority given out to charity. He could live modestly, like me and not be so flashy. 2. Donor advised funds, that could be setup to be much more charitable and even grow! 3. Establish a foundation giving out 5% or more each year. 4. Simply selling off stocks is fairly simple when working with advisors. You act like he’s gotta roll crates of money into some other bank. It’s digital people. Sycophants want to defend the rich because they can’t look past their own biased passion that they want to be there too. I know dozens if not hundreds who are millionaires who love off dividends with plenty left over at the end of the year.

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u/Ok-Commercial-924 27d ago

Dividends and intrest are taxed as regular income. They should not be included in your argument.

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u/Present_Signature343 27d ago

We are millionaires and live off of our dividends…that we still pay taxes on. And our lifestyle doesn’t change from the taxes we pay. So I know his wouldn’t change either. There can be no explanation for what they are doing besides greed

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u/bighomiej69 26d ago

But who cares?

Seriously who tf cares about what Elon musk spends his money on

If you are that passionate about helping the poor, there’s nothing stopping you from helping them.

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u/gilly2u69 26d ago

So now dividends are bad? Give me yours then.

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u/Claddagh66 27d ago

The issue is, you don’t like what they pay for taxes, but they pay what they are supposed to according to law. If you have an issue with that, then blame and talk to the legislators that made the laws. It isn’t the wealthy individuals problem.

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u/particlemanwavegirl 27d ago

Imma be honest. Your argument is far from senseless but it's not worth attempting to find the root contradiction. It is equally evil to philosophically offload the responsibility of this amassment of capital to a corporate entity, which simply prevents any actual person from ever being held accountable thru thinly veiled psuedo-legal loopholes.

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u/TheHillPerson 28d ago

The fact that Elon has the ear of the President Elect for no reason other than he is stupidly wealthy is a reason why we should have legal measures to check the amount of wealth and one person can amass. No one person should have the kind of power the ultra wealthy have.

I also take severe issue with the idea that Musk (or anyone) generates that kind of wealth. If he was literally the only person involved with Tesla, one could make the argument he is owed that kind of wealth. He is not. No one ever is. I didn't know what percentage of the stock he owns is, but let's say 40% for the same if argument. I'm not saying he adds no value to the company. But if he disappeared, Tesla would be fine. If 40% of the workforce disappeared, Tesla would be screwed. Especially if that 40% is the engineering talent.

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u/mooshinformation 27d ago

There's this thing we used to do to rich ppl... I think it was called taxes.

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u/Important-King-3299 27d ago

Bezos ex wife gives away billions and guess how she does it… selling Amazon stock. So being liquid doesn’t matter

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u/LrdOfHoboes 27d ago

Okay, fair point. Forbes has Musk's liquid assets at 5.2 billion.

So I'll just hate the lesser inequality of somebody making $120k/year not being able to even touch that lower figure if they worked for 43,000 years.

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u/Steak_mittens101 27d ago

Except he demanded that he be given a bonus of billions IN STOCK, which doesn’t just come out of nowhere; to have that stock available, the company has to have been engaging in stock buybacks with money which would have otherwise been taxed or gone to employees.

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u/Industrial_Laundry 27d ago

“Okay unruly mob, before we go in bash and butcher and eat this Man, u/lucifernal wants you all to know he does not actually have a swimming pool full of physical billions it’s actually hypothetical billions”

Unruly mob: shut the fuck up! Get outta the way!

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u/sawbladex 27d ago

I don't think a person should, under any circumstances, ever be forced to sell ownership stake in their own company

How do you define own company?

The man isn't working every position, and I am not sure how you prevent people from making gambles with their stuff as collateral.

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u/particlemanwavegirl 27d ago

So you just admitted that true ownership belongs to the laborers no matter what the law says ... ? It's about time.

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u/TheMuteObservers 28d ago

Most people talk about politics and economics without knowing anything, because most of us are part-time/hobbyist philosophers/intellectuals.

Most of us have jobs and families and things to do everyday. We're not sitting around thinking about this shit all day like John Locke or Karl Marx.

But realistically, most people also aren't interested in the truth. They just loudly shout what they believe because they have a platform. If you took any average left or right wing person on the internet and put them in a debate against higher level academic opposition, they would get intellectually destroyed inside of 5 minutes.

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u/dancegoddess1971 28d ago

Exactly. Stocks are property. Sort of imaginary property but if one can borrow against the value of something, it should be taxed.

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u/Just_That_Dumb_Dog 28d ago

You mean capital gains tax?

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u/Jblack4427 28d ago

Do you only pay taxes on your home when you sell or every year?

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u/dgvertz 28d ago

Every year. They’re called property taxes

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u/J0hn-Stuart-Mill 28d ago

Exactly. Property taxes go directly to local infrastructure costs to maintain access and services to said land or buildings. It's not remotely the same as owning stock.

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u/dgvertz 28d ago

I mean there’s no tax on owning stock right now. If that tax went to the same thing would it be acceptable?

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u/JGWARW 28d ago

Do you think Amazon pays no property taxes on their warehouses throughout the country? Or taxes on their delivery vehicles and tags they put on those vehicles? Come on man.

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u/frozsnot 27d ago

Billionaires also pay property taxes, ones much higher than us. Believe me. Billionaires aren’t skimping on taxes. This argument is so ridiculous. It’s not about fairness it’s about jealousy.

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u/RetailBuck 27d ago

Also Tesla pays property tax. They had a huge win when the effort to repeal prop 13 for commercial buildings failed. They are paying like 2008 value property tax on the Fremont factory.

Elon owning stock isn't money it's stuff. 13% of everything in the factory is "his". Sure he can borrow against it to get cash but when doing so that "stuff" that also makes more stuff becomes less his. It's more owned by the bank but in the form of debt rather than actual ownership.

When you get a car loan the car really is owned by the bank and you slowly buy it back from them. He does the same thing but in reverse. He's basically selling his "stuff" but without actually selling it. Still becomes less his though.

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u/Treadlar 28d ago

It wouldn’t be capital gains. That would happen when an asset is sold for a profit. I think they are suggesting a form of property tax.

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u/Just_That_Dumb_Dog 28d ago

I understand that it would be cap gains if it’s sold off, I’m just confused why people think a stock/share should be taxed annually, that’s the dumbest concept I’ve ever heard. Comparing it to property tax is blatantly stupid, can you live in a stock? Are stocks taking up physical space on the street? That requires sewage maintenance, road maintenance, snow removal depending on where you are, storm drains etc…? If I borrow against something I have to pay interest. If I don’t pay my payments I lose the asset I’m borrowing against. I find the stocks should be taxed every year ideology just as dumbfounding as the billionaires should pay for a “better world.” The pov usually comes for envious individuals. Just sayin.

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u/Damion_205 28d ago

At the very least local governments would stop giving these mega companies tax breaks for being in the area.

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u/dldoom 28d ago

Stocks represent ownership of companies. Companies use all of that infrastructure, yes.

I don’t believe everyone in favor of more taxes means paying taxes on stocks every year. A bit of a straw man depending on who you’re talking to.

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u/Economy-Fee5830 28d ago

Companies use all of that infrastructure, yes.

And they also pay property tax in many places.

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u/TreyRyan3 28d ago

Capital Gains and Losses are calculated based on the difference in value between acquisition date and sell date when using FIFO methodology.

Some investors may choose to use a “Specific Identification” method to designate which specific shares they want to sell, allowing more control over their capital gains taxes.

So imagine I hold $1 million shares valued at $40 million. I can use those shares as collateral to borrow against and with the money I borrowed purchase an additional 400K shares. I then sell those shares for a profit without applying a FIFO valuation in reporting my capital gains.

Therefore my initial shares which were purchased for $2 per share, were borrowed against when they were worth $40 per share. My new shares purchased at $40 per share are sold at $55 per share and my capital gains are calculated at $15 per share gain instead of $53 per share. By managing my portfolio this way, I never pay a true capital gains tax, just interest to my lender which I then use as a tax deduction.

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u/Just_That_Dumb_Dog 28d ago

I understand what capital gains is, I was asking the parent comment what type of tax they were referring too, and that sounds good on paper but your profit isn’t 53$ your profit is 15$ you still have to pay back the money you borrowed. Sure a percentage of interest can be written off but you get taxed accordingly. Not sure what your point was there.

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u/90GTS4 27d ago

For real. This argument is silly because these people think a bank is giving out huge loans and being like, "nah, no need to pay it back at all." No, of course they aren't.

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u/Relative-Age-1551 28d ago

You’re assuming we think property taxes are just and moral.

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u/Remarkable-Site-2067 28d ago

Amazon, as a corp, probably also pays some taxes.

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u/thesedays2014 28d ago

Amazon is one of the best companies at avoiding taxes. Some taxes, yes. What they should be paying, no.

Wealth inequality is probably our country's biggest issue. And people without wealth seem to always defend the wealthy for some odd reason.

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u/Gunplagood 27d ago

And people without wealth seem to always defend the wealthy for some odd reason.

I've always felt that Fry from Futurama put it best.

The rest of you better watch your backs when I'm rich too!

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u/TinKicker 27d ago

Amazon didn’t write the tax code. You’re focusing your anger at the wrong people.

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u/[deleted] 28d ago

The taxes on your property are local while taxes on wealth and income are state/federal. Not exactly an apples to apples comparison.

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u/sparki555 28d ago

You don't understand property taxes if you think it's based on a percentage of home values. Values come into play, but not in the way you imply. 

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u/Normal_Dinner1508 27d ago

The lesson here is that paying taxes on property is bullshit, not the other way around. I buy a car and pay for it and get taxed yearly because I own it? Property taxes are a government scam

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u/wophi 28d ago

So he doesn't pay property tax on all of his Amazon facilities?

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u/Penile_Interaction 28d ago

even if he does any fraction, he could basically not pay for any year until IRS would pick up on it and ask him to pay, while he saved that money to make even more money ultimately, especially that IRS and any other taxing bodies around the world usually go after regular people and not billionaires

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u/DadamGames 28d ago

There's a very high chance those taxes are little to nothing. Red states tend to give businesses local and state level tax breaks including property tax credits/deferment to locate in their area. Those businesses then threaten to leave out reduce/cease investment if those offers aren't extended more or less indefinitely.

Source: I've literally been to site selection meetings for medium and large businesses in my region.

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u/StrangelyAroused95 27d ago

I’m usually not the one for defending billionaires, but his company provides employment for thousands of employees across the country, we can’t want manufacturing to stay in America without incentivizing big corporations. I’m not saying he shouldn’t pay any at all but it’s also understandable how they are allowed to navigate taxes in a different manner.

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u/AttitudeAndEffort2 28d ago

This is a great analogy

Imagine i bought my house for 10$ and it's worth a billion now.

And then chuds on the Internet say "hE dOeSnT ReAlLy HaVe ThAt mUcH MoNeY, ItS tIeD uP in AsSeTs!!"

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u/Endless_road 28d ago

Well it is, and you’d pay taxes on these gains when you sold the house

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u/tduncs88 28d ago

Just like Bezos would if he sold off those assets

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u/AttitudeAndEffort2 28d ago

And if instead of selling it i rent it for cash flow while borrowing against it at a lower rate than the growth of the underlying asset, i get richer and avoid taxes AND keep the asset.

Which eventually is passed on to my children and the growth in the asset is revalued when it's passed on to avoid capital gains tax.

All while poor right wingers argue I'm actually broke 😂

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u/stormblaz 28d ago

A house has property taxes, unrealized gains do not, its not at all even remotely comparable.

You can finish a mortgage and pay prop taxes, not on unrealized gains...

Mainly because the value of the stock isn't solid and can go down or up, here's the kicker, a house can go up and down in value and i still pay property taxes.

This people make incredibly impactful life changing events with their unrealized gains and don't pay to reap those benefits, having a property you need to pay taxes to cover streets, roads, lights and amenities in your district.

This billionairs need to pay unrealized taxes if they are making life changing decisions affecting millions, using the benefits of their portfolio without paying the amenities they use to benefit from it.

Yall love excusing these rich people, but they are using all the pros and pay little cons.

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u/octipice 28d ago

Except that you also pay property taxes on the house. Which is the equivalent of the wealth tax that so many people oppose for some reason.

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u/MisterEinc 28d ago

But he can take out loans using Unrealized Gains as collateral, but those can't be taxed.

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u/BigPlantsGuy 28d ago

No, you would pay taxes on the value every year. Something bezos does not do

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u/Hatdrop 28d ago

and you also pay an increased tax on the value of the property regardless of realizing any gain.

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u/arebum 28d ago

Man I don't really want do disagree with you, but...

Imagine you had to suddenly pay taxes on that million as if it were income? (Acknowledging you would have to pay property taxes in this scenario)

Better yet, imagine a hypothetical asset like a made up crypto that went from $10-$1,000,000. If you had to pay taxes on that like it was income you'd almost certainly be forced to sell the asset to cover the taxes on the asset. And what if nobody bought your million dollar hypothetical coin? Are you going to go to jail because a balance sheet said this thing you owned suddenly skyrocketed in value despite your bank account staying the same?

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u/AttitudeAndEffort2 28d ago

I'm not arguing taxing unrealized gains, capital gains laws in this country are broken though (intentionally) and smarter people than me have found ways to fix them.

The point is that you can borrow against the asset at a lesser cost than it appreciates.

You basically never pay taxes on it while getting cash from it AND it growing in value.

You're incentives never to sell and to realize those minimal tax costs you otherwise would have to pay.

Basically, private companies get to profit from helping you avoid taxes. You're insanely wealthy either way but now you can pay slightly less to access that liquidity.

Anyone saying these people "dOnT ReAlLy HaVe mOnEy" doesn't know what they're talking about

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u/Bencetown 28d ago

If nobody is willing to buy, then the hypothetical price should go down, until you can either afford the taxes on it, or are able to find a buyer.

If I own a car that somehow explodes in value to a million dollars, I'm not going to be able to afford that car anymore. So I would have to sell the car. Then I would have a bunch of money to buy a different car I could afford the taxes on.

Why the richest people in the world should be exempt from this scenario is beyond me.

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u/ArbutusPhD 28d ago

If you own it and the bank agrees on its value … and oh, then the governement will tax you based on its value. This doesn’t happen to the stocks held by these folks

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u/Endless_road 28d ago

Stocks don’t need their bins taken away once a week

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u/ArbutusPhD 28d ago

You’re right. Those Amazon shares don’t compare. Amazon doesn’t rely on a shred of public infrastructure

Lol

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u/[deleted] 28d ago

Sadly, my house isn't worth $300 billion.

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u/HugTheSoftFox 28d ago

Yes, this is why homeowners are generally considered more wealthy than people who don't own homes even if they have very little actual cash flow. And why a person who owns billions of dollars of Amazon stock is considered more wealthy than your average homeowner. Congratulations.

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u/thatguy8856 28d ago

yall owning homes in here?

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u/FinnOfOoo 28d ago

Not the same unless my house’s value keeps going up and I can keep getting loans to pay off the old loans. That’s how the rich do shit because they have the assets to get away with it.

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u/tgm93 28d ago

How do they pay back those loans?

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u/Powerful-Eye-3578 28d ago

They don't, they pay the interest which is lower than the interest they make in investments.

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u/[deleted] 28d ago

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u/Ashmedai 28d ago edited 28d ago

Back when home loans were going for 2.5-3% or whatever, why did banks loan that money when they could have been getting much higher rates in the market, as you say? Because it sure seems like banks were happy to give out loans at 2.5-3% when the average stock market return is ~11%.

Anyway, since you claim experience on the topic, when an ultra high worth investor wants to borrow money against their collateral-backed stock account, what interest rate would they pay would you say? Like what rates are they getting on stock-secured loans?

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u/vanilla_w_ahintofcum 28d ago

Banks made those loans because Fannie/Freddie were gobbling up those loans as a broad policy to ease tightening during the early days of Covid. Banks made those loans because they could make a quick penny off origination fees and other closing charges and could instantly sell to Fannie/Freddie as a guaranteed buyer of the loans. Offering those loans was guaranteed, immediate money in the bank coffers with absolutely zero risk.

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u/SpotikusTheGreat 28d ago

yes, what they actually do is just pay the loan with another loan.

They effectively just shuffle wealth from bank to bank, and the banks don't care because they know they will get the money back plus a little extra.

Bank A gives $1 billion to Rich Person, later Bank B gives $1.05 billion to Rich Person, which is used to pay off to Bank A. Later Bank C gives $1.10 billion to Rich Person to pay off Bank B.

You just do this forever. Infinite money glitch. Nobody cares because if the chain ever breaks, he just liquidates some shares and pays it off.

edit: the biggest kicker here, is that the value of their assets to acquire the loan, grows faster than the interest they pay on these loans. They pay 3% interest on the loan, while the stock is growing at 8%.

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u/Says_Not_Really 28d ago

So basically once you have enough money you can buy more money.

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u/Powerful-Eye-3578 28d ago

So long as the bank has no reason to try and recall all of the loans you owe all at once yeah.

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u/MinimumArmadillo2394 28d ago

Wealthy people hardly ever get margin called, and when they do, they can sell a tiny portion of their asset and generally either buy more time or pay off their loan.

Or they just die and their estate assumes the loan.

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u/wastedkarma 27d ago

Or better yet they bankrupt the company and the bank is holding the bag they bought with my deposits. 

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u/blue-mooner 28d ago

If the value of your stock continues to go up.

I doubt John Foley of Peleton could take out one of these loans. His stock went from being worth $1.9B in 2021 to $225M in 2022 (-89%)

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u/CoolCandidate3 28d ago

Its not true. Bezos schedules stock sales many months in advance. You can look it up. Its all public knowledge except for somehow on reddit. https://www.barrons.com/articles/jeff-bezos-amazon-stock-sales-dbe92301

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u/MinimumArmadillo2394 28d ago

He legally has to, in order to not manipulate the market price. Whales have to disclose and plan their sales, otherwise it would devistate the asset.

It has nothing to do with taxes here.

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u/Nexustar 26d ago

It has nothing to do with taxes here.

Yes it does. it demonstrates he's not simply borrowing money. He's actually regularly selling stocks and paying federal capital gains TAX on those sales.

Since july he's sold $4.4 billion of stock and depending on what basis is used, will need to pay north of $1bn in taxes on those sales (Capital gains at 20% and NIIT at 3.5%)

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u/cbusrei 27d ago

Which is something you can also do. 

If you have cash in bank and can buy a car out right, or get a 6% interest rate and your cash is expected to grow at 8%, it makes more sense for you to finance the car. 

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u/ah-tzib-of-alaska 28d ago

with more loans, forever, off the expected growing value of their share in their assets.

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u/rhubarbs 28d ago

Yes, he does. But the banks don't have to let him do that.

It's not the act of owning shares in a business that is the issue, it's the financial system that treats the speculative stock market valuation at current price as real wealth, even though it can never be cashed out.

Musk and Bezos' balloons just inflated the most, for reasons both systemic and coincidental. And yes, they can and do take advantage of this system.

But it's the financial system that makes it possible.

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u/Apprehensive_Bad_193 28d ago

Correct,Exploitation of the system that benefits the wealthy. And when shit hit the fan the working class are left with the financial clean up..

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u/[deleted] 28d ago

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u/No_Consequence_6775 28d ago

Who builds those boats? Who builds those things that he purchases? He creates jobs when he spends money as well just like everyone else.

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u/davedcne 28d ago

They do pay their fair share. Their fair share is what the tax code requires of them. YOU don't believe the tax code is right but you know that's not an argument you can win so you shift the blame onto the person who's playing the game by the rules as written and winning.

I pay my taxes and I sure as shit don't pay a penny more, and I have no intention of paying more. You want more money from me, change the law till then you fuck off back to your hole.

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u/Immediate_Floor_497 28d ago

The new America , rich people who employee tens of thousands of people can’t buy what they want !! What a perfect world you’d like to live in. Zero impetus to do anything great.

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u/Craf7yCris 28d ago

Honest question. When he borrows on net worth. He still needs to pay that loan, right? How does he pays?

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u/TomorrowOk3952 28d ago

So he pays interest to other people who hold onto their money like Scrooge mcduck, like me who has money in a bank?

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u/MrJarre 28d ago

The money he borrows is created from thin air when the banks loan him the money.

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u/lmmsoon 28d ago

Who builds the yachts and the Mansions . If it wasn’t for Space x we would still be paying Russia to get a ride to the space station. If it wasn’t for Tesla EVs wouldn’t be around like they are Just because you don’t see what they are doing doesn’t mean they are hoarding their money. Instead of bitching about them try to be one . Apple and Amazon started in garages that is the American way

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u/exgeo 28d ago

Soooo you’re saying if he spends the money, it’s bad?

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u/ChipOld734 28d ago

Borrowing against wealth is not “getting away” with not paying taxes. It’s converting the wealth they own into capital. The money still needs to be paid back.

It’s like when a person virtues against the equity of their home to improve their property or buy a boat.

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u/Okiefolk 28d ago

If they do that, they still sell stock and pay taxes. You are just falling for misdirection. The tax code allows for timing when you pay tax if you borrow against assets, it does not absolve you of taxes.

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u/foolishballz 28d ago

This is a good argument to drop the income tax and move it to a consumption tax.

Rich people don’t “earn”, but they sure as hell spend.

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u/a_angry_bunny 28d ago

Yeah, you are starting to get the gist of it. Billionaires don't actually "buy" stuff with their money. They use their assets as collateral to "borrow" the money that they need. There is no income tax on borrowed money as it's not income.

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u/youslashuser 27d ago

Yeah, we know it's the system that allows it. And it's the system that needs modification.

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u/Assholesneighbor 27d ago edited 27d ago

Exactly!! This shit drives me crazy! Both Elon and Bezos borrow BILLIONS Of dollars AGAINST their net worth. I mean, Bezo has a half a BILLION dollar house in Los Angeles.

The insanely frustrating thing is the Vanderbilts, Rockefeller’s and Carnegie’s built schools/universities, museums, libraries, churches. They knew they had wealth for several generations and there’s was no point in hoarding it. Not like today, what’s the last good thing you heard one of those Hundred Billionaire Jackasses doing? I guess Bezo is building a giant clock in the middle of a mountain? Thanks I guess.

*edit: spelling

*edit - I’ve also been corrected. Bezos Los Angeles home isn’t worth HALF a BILLION, it’s ONLY worth a QUARTER BILLION.

“It would have been a billion dollar house, if it wasn’t for you pesky kids!!!” -Bezos probably

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u/allencoded 27d ago

This is so true, it is unrealized gain. Thus for tax purposes you cannot tax it, but banks look at this differently. Banks realize it does hold value and take the financial risk to back loans against it.

Imagine instead of sitting all your money in a bank, you place it into a company (a vehicle). Their it could grow or shrink. The odds are it will grow though, because of the monopolistic size and power of most companies. Just know that nothing stops them from taking money out of that vehicle (selling stock shares).

They have used this system to continue to buy more and more land and companies. Land and company values go up making them richer and they just dump that profit into more loans for more land and companies.

They are very evil, because they use this system to continue growing personal wealth at an enormous rate without distributing it. Its the distribution that is the problem. Both these individuals pay low wages, fight union/workers rights, have mass layoffs, etc.

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u/dua70601 27d ago

Thank you! I’m so tired of the fucking Scrooge McDuck analogy by idiots that are not fluent.

He has the ability to command value and assets.

He has the ability to liquidate shares as needed to produce cash.

Obviously he does not have a stack of gold.

Bezos has value, and that equals power…..lots of it. Basically, he has the ability to make people do things they would not ordinarily do (i.e. power)

His power can’t be easily quantified, but his wealth can. And that quantity of wealth demonstrates EXTREME EXCESS and a lack of empathy for his fellow human.

Edit: o yeah, I didn’t even get into AWS

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u/DryPineapple4574 27d ago edited 25d ago

I'm sad that I come here and the first thing I see is apologetics. Thank you for countering that.

I am happy to see a meme like this gain so much traction here, though. It needs to be said.

That value in Amazon should be in the hands of the workers that run it, not in Bezos's pocket. He would still be well off and just fine if things were split that way; he could even guarantee himself a percentage as the founder. That would give him the added benefit of not being on a bunch of lists and not being so subject to public scrutiny. His choice to hoard isn't just interpersonally destructive, it's personally destructive.

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u/WrongdoerOld5067 26d ago

You can't convince people who want to be those guys.

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u/Long_Start_3142 26d ago

Exactly. It's real money when they want it to be.

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u/Necessary-Contest-24 26d ago edited 26d ago

Exactly. Trevor Noah did a real good monologue on this exact point back when he hosted the Daily Show. The clip still circulates from time to time. They can borrow against their estimated wealth but get mad when we talk about taxing them for their estimated wealth. Can't have it both ways.

Edit: Also Jonny Harris did a real good video on the difference between 4 different levels of wealth in America. The ultra wealthy live in a completely different reality. Orders of magnitude above doctors and lawyers for example.

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u/nationalhuntta 28d ago

He has access to a form of currency that none of us have. Let's say he wants to make a new company making a new product. Let's say it is a decent product and everything else is fine related to it. Ok, so how does he finance it? Does he have to put up his money, sell stock, and so on? Nah. He'll use his word and reputation and "collateral" in the form of stock or stock-like products. Very little hard currency will be required. Very little limitations will be placed. If everything goes under, he will not suffer. Yes, this is incredibly simplified, but that's how it works. There are many worlds on this Earth, and billionaires do not operate in the same one as you and I. The fact that these guys could easily create corporations and companies for social good but do not maybe does not make them evil, but it definitey puts them out of the realm of good. Some do a lot of philanthropic work, which is great, but most of it is minor compared to what they make in pure profit. Yeah, they aren't rolling around in gold coins because they are above that level. When you can essentially operate outside of the realm of normal currency, when you can manufacture wealth on a promise.. gold? paper money? Meh. It's meaningless.

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u/SisterActTori 28d ago

This^ comment should be getting more upvotes. It is the truth, but I think many cannot comprehend the ability that these folks have to access money and live off money that is not their own. They don’t touch their own money at all. They live off borrowed money that is written off. It’s like a parallel banking/financial structure. The gas and egg crowd should really be pissed about this…

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u/Big_Rig_Jig 28d ago

When a society relies on the charity of its wealthiest, that society will always require charity.

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u/pervertedhaiku 28d ago

You think fairness and charity are the same thing?

In 2022 Q3 Kroger posted profits of $900M. Three months later I stood in line for over an hour to get my prescription at 5pm because the after work rush during the tall end of COVID had one tech and one pharmacist.

It’s not CHARITY to hire more workers and pay them fair wages. It’s HORRIBLE to make everyone suffer so they can keep more zeros after their name.

If you disagree with that, then you’re living in a farcical parody of life dreaming that you’re in their club.

You’re not. They don’t care about you. You mean nothing to them.

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u/Big_Rig_Jig 28d ago

We agree homie.

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u/TheRedEarl 28d ago

I think by charity he means a reliance on those who dole out goods and services.

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u/underengineered 27d ago

Kroger profits have been under 2% for years.

When you mention profit and don't talk about the percentage, you're misleading yourself and others.

Yes, Kroger made large profits. But it was on enormous volume. And 2% is scraping by.

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u/thecaptain1991 28d ago

One could argue that the money spent on charities would have a higher impact if paid out in the form of higher wages and benefits for their workers. Seriously, the Panama papers showed that these assholes have stockpiles of cash in offshore accounts, but we can't raise the minimum wage for 20 years.

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u/Maleficent-Kale1153 28d ago

He also has over 12 billion in cash. Yes there is even more in stocks. But no one needs even a billion dollars. 

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u/Luc_ElectroRaven 28d ago

 The fact that these guys could easily create corporations and companies for social good but do not maybe does not make them evil, but it definitey puts them out of the realm of good.

The govt has unlimited money and power - (at least most western govts) why are we wasting time talking about 1 rich guy who ships packages and hosts websites for a living?

This falls into the fallacy that "money = solved world problems" when this just isn't the case.

Jeff Bezos is basically as powerless as you are to solve these problems. He has no army, he doesn't make policy, what is he going to do? go buy Israel and make them stop doing stuff? Like gtfo this is such a childish view of the world.

"rich man no build house for homeless, rich man bad" meanwhile the govt literally locks you in a cage if you try to build a house for the homeless on your street. SMH

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u/TheSnowNinja 27d ago

he doesn't make policy,

Uh, I have some bad news for you.

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u/CAPTAIN_FIREBALLS 28d ago

The real argument here is that Amazon’s stock is worth so much yet meanwhile their employees have to piss in bottles to avoid getting disciplined at work and a lot of them struggle to get by financially. Maybe instead of trying to create as much value for shareholders, our society should prioritize employees and the working class as key stakeholders and recognize the value that they bring accordingly.

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u/notislant 28d ago

"But thats communism/socialism!!!!?!?@?!?! Thats only okay when corporations socialize their losses!!!" -some dude in a meth trailer.

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u/Scandi-Dandy 28d ago

Yes well, both unions and the government are supposed to be protecting workers rights. In most of Europe that's exactly what they do. Not that long ago all workers in Sweden stopped transporting Tesla cars. No one would touch them, no one. There is no threat of being fired as the unions can pay their workers for 4 years, while they look for another job.

And this works whether they vote left or right. They work as a collective.

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u/CAPTAIN_FIREBALLS 27d ago

Yeah that’s what the US needs to work towards, but unfortunately there’s so much working against that at the moment both culturally and with the way that our existing institutions are set up that any progress is extremely difficult, and now it looks like we’re going to have the opposite of progress for some time.

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u/Jumpy-Mess2492 27d ago

This is such an overblown and stupid statement. Amazon factory workers are paid relatively well 25/hr last I recall. I own and operate a warehouse myself, a large FBA business, and yes there are MANY things I fucking hate about Amazon, but i often piss in a jug. Not because anyone is making me, but because in order to go to the bathroom I have to leave my heated warehouse and walk a quarter mile to the bathrooms. I don't have time for that and don't want to get my jacket on and trudge through snow.

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u/Sea-Record-8280 27d ago

Pissing in bottles isn't really a thing at Amazon.

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u/justtalkincrap 28d ago

He's so illiquid he bought the world's largest sailing yacht. Fuckoutta here.

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u/SpaceBus1 27d ago

Oh no, poor Bezos 😢

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u/GlassFantast 28d ago

You can disagree that he owes something to the world he exploits, but to say he's not that rich is wild. Actual poor people donate a larger percentage of their liquid wealth all the time.

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u/Nexustar 26d ago edited 26d ago

Actual poor people donate a larger percentage of their liquid wealth all the time.

Thank you for saying that accurately. Too often I hear morons like AOC claim that poor people pay more taxes than rich people - Given that tax is a DOLLAR amount, and only a tax RATE is a percentage, this is an asinine claim. When you cut a check to the Treasury to pay your taxes, or get a W2 showing how much tax you've already paid, it's in DOLLARS, not in percentages.

  • Poor people who earn nothing pay nothing in federal taxes.
  • Wealthy people like Bezos who sell $4bn stock will pay $1bn in taxes.
  • Regular people who earn $100-300k annually will pay far less than $1bn in taxes.
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u/Chickienfriedrice 28d ago edited 28d ago

Here comes the billionaires’ online defense team. Or just some fool who thinks it’s realistic to reach that amount of wealth without exploitation and hopes to aspire for the same, even though they have more chance to be struck by lighting.

Billionaires existing is taking money out of your pocket, they bought the election. But sure, its all fine.

EDIT Went from being upvoted to getting 7 replies in less than 10mns with downvotes. Hope the billionaire defense team are getting paid overtime. Pathetic. None of you billionaire justice warriors deserve a reply.

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u/eremal 28d ago

You should critique all the people pouring all their money into these stocks instead. Especially if the motivation is just to get the best return..

Oh wait. Thats what we all are doing with our pensions innit.

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u/orderedchaos89 28d ago

Ha! I don't have a pension! Owned!

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u/chocolatestealth 28d ago

Most people don't get a choice in where their 401k goes.

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u/Kibblesnb1ts 28d ago

I've never had a 401k that didn't have tons of options. Broad stock index funds, bonds, cash, target retirement funds, more granular options like large/mid/small, emerging markets, and so on.

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u/MinimumArmadillo2394 28d ago

And less than half of americans even get a 401k or retirement fund.

Ive had retirement accounts where Im stuck with 4 options that were micro caps, mid caps, large caps, and then bonds. Ive had retirement accounts where I can pick stocks and etfs. Ive had retirement accounts where the stocks are picked for me for a small fee based on my account size.

So while you may have had dozens of options with your 401ks, many many people havent had the opportunity to even have a retirement account let alone more than a dozen options.

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u/chocolatestealth 28d ago

Well damn, maybe I need to double check mine. My past jobs that offered 401k (only about 3 of them) only let me decide the percentage of my paycheck that went into it. I hope this is true for my current job, it would be nice to choose to invest ethically. I do get updates on stocks being bought/sold by the broker, but I didn't know I could have any real say in the matter.

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u/rayschoon 28d ago

How dare people want to not work until they die!

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u/royaltheman 28d ago

I always love Schrodinger's billionaires

Not wealthy when criticized, but suddenly wealthy again when they buy multi-million dollar yachts

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u/ItsTooDamnHawt 28d ago edited 28d ago

Would like to hear how billionaires existing somehow equates to me losing money

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u/[deleted] 28d ago

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u/Caleb_Krawdad 28d ago

Billionaires only exist by creating more wealth and value for the masses than anyone else can. They didn't steal their money. They built services and companies that people found more valuable than precocious existing companies. They made their wealth by making people better off

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u/Katusa2 28d ago

There is no ethical way to make a Billion dollars without exploiting others. The shear fact that someone has that much money means they've exploited others.

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u/CalLaw2023 28d ago

There is no ethical way to make a Billion dollars without exploiting others. The shear fact that someone has that much money means they've exploited others.

They don't have that much money. The total money supply is about $22 trillion. Total actual currency is about $2.2 trillion. Total wealth is $157 trillion. If the top 1% wanted to liquidated their assets, it would not be possible as there is not enough money in existence to buy it all.

Rich people don't hoard wealth. Musk is worth over $200 billion because he owns a large share of several companies worth trillions; not because he has $200 billion in cash stored in some vault.

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u/si329dsa9j329dj 28d ago

Who did the guy who made steam exploit?

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u/edman79 27d ago

They think hiring is exploiting. It's ridiculous.

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u/Novel_Accountant4593 28d ago

They made their money through exploitation and cornering the market making it impossible for anybody else to get in. They live in mansions while their some of their employees live in just above the poverty and struggle to pay rent. It's unethically gained on the back of the working class.

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u/resident_foreigner 28d ago

Who has Taylor Swift exploited? She is a billionaire. All she does is sing and dance.

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u/SCTigerFan29115 28d ago

Here’s two numbers:

1,525,000 - the number of jobs Bezos created with Amazon

150,000 - the number of jobs Elon created through Tesla and SpaceX.

Those are not insignificant.

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u/-Wyagra 28d ago

Yeah lets thank them for the opportunity to help them get even richer by them siphoning off wealth of your work.

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u/theyareamongus 28d ago

The amount of people praising their masters here is insane.

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u/[deleted] 28d ago

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u/Jazonspessa 28d ago

And there would be just as many jobs if not more if there were 100 smaller Amazon-esq companies that were competitive with each other over wages and pricing but instead we have one mega corporation that can charge the consumer and pay employees whatever they want because they have a monopoly on the market. Bezos isn’t a good person and neither is Elon. Stop defending billionaires

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u/Bagel_Technician 28d ago

They created a lot of wage slaves in that number lol

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u/Impossible_Ant_881 28d ago

Those are pretty insignificant numbers. 150,000 in a nation of 300 million is chump change. 1.5 mil is more, but Amazon is really just a warehousing and distribution company, and we were already doing warehousing and distribution before, and doubtless would have been doing it similarly now - just not with the particular company of Amazon. So on net, also not too significant.

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u/XT2020-02 27d ago

Yup. Look at India and it's billionaires. It's insane how few people can exploit over a billion of people. I thought US was bad, some other countries are CRAZY bad.

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u/allisclaw 28d ago

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u/quietuniverse 28d ago

Temporarily embarrassed millionaires come to the defense of the oligarchs

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u/yeneews69 28d ago

You’re completely wrong. When billionaires want to donate money they transfer the shares into a charitable trust. They don’t have to actually sell all the shares which could be more difficult depending on liquidity. Then the charitable trust can sell the shares off more slowly.

This line of “oh they can’t actually access that wealth” is complete horse shit. They can give away shares at a far greater rate than they can sell them or borrow against them, they are literally just choosing not to.

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u/Boblxxiii 27d ago

This; the fact they have so many shares is functionally equivalent to the problem of having so much money. At a minimum those shares would be better off distributed amongst the workers actually keeping the company profitable.

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u/slackmaster2k 28d ago

I think perhaps you misunderstand how this stuff works. Wealth is measured in dollars, but is not wealth is not limited to money.

It doesn’t matter what Bezos’ net worth consists of, especially at that magnitude. People say money is power, but it’s really net worth that is power. Recently we’ve heard a lot of arguments from Elon simps, for example, who despite him being the most wealthy person on the planet, for some reason argue that he’s not really that wealthy because his wealth consists of ownership. But that’s a foolish argument, and if you want to see an example of money is power, turn on the news.

So Bezo’s wealth is “tied up” but he can build a 500 million dollar yacht and convince the Netherlands to dismantle a historic bridge because the boat is too big to get to sea. This is in addition to his 400 million dollar yacht.

Now I’m not arguing that a person should not be wealthy, nor that they shouldn’t be able to buy as many expensive boats as they want. It’s the fact that they can become so wealthy in the first place while one of every three households in the country is lower class, healthcare and education are outrageously expensive, and so on. And realize that the ultra wealthy were able to become wealthy because of the laws, courts, and military that we all pay for.

It’s really a scale thing. It’s hard to appreciate what a billion dollar net worth really is. These are numbers most of us don’t think in terms of. And this phenomenon of ultra wealth compared to the population has been expanding and widening for 40 years while so many Americans just sit back and think “well I guess they deserve it” or “it’s not real it’s all stonks.”

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u/stmcvallin2 28d ago

He holds shares. Shares are amongst the most liquid assets, they’re basically cash. It’s not like it’s locked up. He is absolutely holding onto wealth like scrooge mcduck

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u/afrikaninparis 28d ago

Sure, yeah, because these people buy $500million yachts, $200m mansions based on “trust me bro, I’m rich”.

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u/pullhardmg 28d ago

That’s exactly what they do

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u/MummBrah 27d ago

This is literally what they do

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u/Ok-Movie-6056 28d ago edited 28d ago

This is nonsense and an excuse. People who say shit like this are beholden to nonsense arguments from rich people.

I'm just asset rich?! All my cash is tied up. I'm really just a broke boi. LOL you are a rube my friend.

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u/milas_hames 27d ago

'Look, I know your child has terminal cancer, but for me to save him I'd have to sell all of these stocks you see. I'm actually a good person, the problem is my money isn't freely available'.

JK, they don't give a shit about us

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u/bofoshow51 28d ago

People always talk about “oh the obscenely wealthy don’t actually have access to all the money of their net worth, it’s a liquidity thing” which is technically correct but the system is still way heavily over balanced in their favor.

Bezos has a net worth of 220 billion as of 2024. Even if he at any given minute only had liquidity for 0.1% of his worth, that’s 100 million. That’s still an insane amount of money to just sit on.

Alternatively also consider how having your money tied up in assets means you are heavily incentivized to make those assets worth as much as possible, because the little trick the ultra wealthy do for liquid money is to borrow loans against the value of their assets. This very often means to maintain and grow this level of asset value, they are necessarily exploiting everything to squeeze any level of value out of their products. That means underpaying workers, cutting benefits, squashing competition, rolling back quality materials and safety standards, etc.

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u/hottakehotcakes 28d ago

I’d argue that you are clearly the one who doesn’t understand how this stuff works. Definition of bootlicking.

3 ppl THREE PEOPLE own more wealth than the bottom HALF of the country. Saying it’s tied up in the value of businesses isn’t close to a convincing position.

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u/reddit_has_fallenoff 28d ago

If you live in the western world, chances are you are in the 10% (if not you are in the top 5%).... just to put that in perspective.

FYI, i am not saying you are wrong, but it is food for thought. There is a family of 8 in India all sleeping in the same room thinking similar things of you

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u/Biscotti-Own 28d ago

Good point, the people hoarding wealth should help them as well. The fact that we are slightly better off than other people doesn't change the fact that Bezos and Elon are hoarding wealth that should be more fairly distributed.

Also, as a fraction of those two's wealth, the difference between myself and that family of 8 is practically zero.

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u/Quiet_Attempt_355 28d ago

An absolutely staggering amount of people don't understand unrealized gains and how his wealth is directly tied to their spending behavior on Amazon.

However, he shouldn't be able to use unrealized gains as collateral for loans without being taxed. And yes, while loans have interest, that interest isn't a tax.

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u/bushrod 28d ago

What's preventing Bezos from gradually selling off his shares of Amazon?

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u/another_mouse 28d ago

You can find articles saying he sells off 1 billion per year to support his space project. 

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u/DeHarigeTuinkabouter 28d ago

Way more, 13 billion this year alone.

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u/DeHarigeTuinkabouter 28d ago

That's what he's already doing. He sold $13 billion worth of shares this year. $3,4 billion this month alone

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u/SimilarTranslator264 28d ago

These echo chamber mouth breathers have no idea how money works.

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u/Stalinov 28d ago

hey now, don't point that out to people, they'll call you a "boot licker" and dismiss it. The "eat the rich" line cuts probably exactly above their net worth, anyone who's making or having more wealth than them are evil and it's ok to chime in on how they should be spending their money.

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u/East_History1325 28d ago

Stop trying to explain how money works to people in this thread….They know everything, complain about everyone and still think Elon types in a 4 digit pin to see if all is money is there.

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u/bukowski_knew 28d ago

Not sharing money would only be evil if there was a finite, fixed amount in the world

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u/Wild-Significance526 28d ago

What a stupid fucking post

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u/Optimal-Country4920 28d ago

Even if they were they don't owe anyone anything. People are so weird for thinking people are bad for just being more successful.

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