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The money you already have doesn't adjust for inflation, amirite?
by Anonymous2 weeks ago
This is why financially literate people will tell you to never just leave your money to sit in a basic savings account. Inflation will outpace your interest earned. You gotta make your money work for you.
by FlashyVegetable65522 weeks ago
Jokes on them. I don't have any money.
by Anonymous2 weeks ago
That's why you have to leverage and invest in a low yield savings account.
by Anonymous2 weeks ago
Take out loan, put money in a savings account that has more interest than the loan (somehow if youre lucky).
by Anonymous2 weeks ago
If you're really lucky, you can try to be born into a rich family.
by Anonymous2 weeks ago
If you're financially literate you'll choose to be born into a rich family.
by Anonymous2 weeks ago
Yeah... those generally don't exist, otherwise that would be an infinite money glitch.
by Anonymous2 weeks ago
They do exists* *Taking an incredible amount of risk while having to pay your loan or they're gonna take your house, your car and shoot your dog
by Anonymous2 weeks ago
You're good. "Making your money work for you" is one of the most contempt, hateful phrases of our time aimed at thankless despite and this guy knows that.
by Anonymous2 weeks ago
Unfortunately my money went on strike
by Marilou892 weeks ago
It had every reason to. You think your money fighting for what's best for it is your misfortune.
by Anonymous2 weeks ago
Exactly. Like bro, your money can only "work for you" if you are starting with a significant enough amount for it to do so. If you mean, invest in a high-risk high-reward asset like crypto/stocks, then that phrase is as valuable as saying "Put all your money into scratch tickets".
by Anonymous2 weeks ago
The fact that people who complain about people not working also try their best to make money without putting any labour into it is laughable. Nobody wants to work when they don't feel like it, and everyone thinks they would enjoy life better if they had a cushion to sit on. But not everyone is ready to play that game. I respect that. Life is NOT about money, and nobody CHOSE to live in a society with that unavoidable degree of monetization. Even all our financially literate bros here. They work cause they have to, they place their stash cause they don't really wanna work, or at least, not all the time. Kudos to them, and kudos to those who have other priorities too.
by Anonymous2 weeks ago
There are things that exist in-between. I keep my emergency funds in Ally Bank. Currently get 4.2 percent interest. FDIC insured. You are limited to the number of transactions per month (I think it is around 3 or 4). If I need money I transfer it to my main checking account and you can get it in a couple of days for free. Costs a bit if you need it sooner. Probably not keeping up with inflation but certainly better than keeping it in a traditional bank savings account. Transfer is no more difficult than something like Venmo. Just do it in the app. Still quite liquid and at least cut down on inflation some.
by metzflorence2 weeks ago
Everybody thinks they're a genius when the market is going up.
by Jonescleora2 weeks ago
When you turn 15k into 80k - it has to come from somewhere. So someone else needs to lose as much.
by jnolan2 weeks ago
Bro, the stock market returns 10% annually on average, sticking $100 in an index fund and leaving it alone for 30 years until you retire will leave you with about $1,750.
by Anonymous2 weeks ago
And it's an attitude like this that will always keep you broke
by mollylindgren2 weeks ago
My inability to prioritize money over anything else in life is what's going to keep me broke.
by Long-Sleep2 weeks ago
The only thing you have was allowanced to you by someone who feels that exact same way about you.
by Anonymous2 weeks ago
What do you do for a living?
by Afton202 weeks ago
Do? For a living?
by Ayana782 weeks ago
The person I replied to was being an asshole so I was just chattin a little bit. No need to get defensive for him.
by Afton202 weeks ago
What? It's as simple as buying one index fund every month for as long as you work and you'll have five times as much money as you put in after 35 years. That sounds insane but it's just compound interest. 500 per month for 35 years and you'll be a millionaire even after adjusting for inflation.
by Most_Classic36872 weeks ago
Yes, yes it is that simple. You ever think about that? How it is so simple? How come? Is everything in life so simple do you think? It's up to you to raise yourself these questions. Maybe there's something important in the answer... Something that needs urgent attention... Then again, you don't have to. After all, it is very simple.
by Anonymous2 weeks ago
Lmao this is nonsensical af. You have a point to make?
by Anonymous2 weeks ago
We're in a weird time now that the fed has raised interest rates. For the first time in a long time, savings interest rates are decent, like 4.5% and sometimes 5%. Sure you can get like 7% or 10% in index funds, but at a much higher risk than a guaranteed return from a savings account. But yeah, only keep the bare minimum in 0% accounts.
by Anonymous2 weeks ago
Uhh a savings account interst is less than 1%. The fed raises interest in borrowing and lending. Aint no bank giving you 5% interest on a savings account
by Anonymous2 weeks ago
You should definitely look into getting a high yield savings account. Can usually find something between 4-5% (I'm in the US)
by Anonymous2 weeks ago
Ally, Marcus and Capital One 360 all pay over 4% right now.
by Anonymous2 weeks ago
Depends on the country. Here they are around 5% or just shy.
by InternetFalse16622 weeks ago
The FED is a US thing so, no it does not depend on the country. This was specific to the US
by Anonymous2 weeks ago
I didn't see they mentioned fed. My bad.
by InternetFalse16622 weeks ago
My plain old PNC savings account jumped from like 0.1% up to 5%. No action from me. Just a good ol' savings account increasing its interest rate.
by Anonymous2 weeks ago
Mine gives 5.25%
by virginie602 weeks ago
Standard savings? What bank?
by Anonymous2 weeks ago
Sofi
by CommonAd30132 weeks ago
Standard savings? No. You either need to have direct deposit or make large deposits. This is not what i am talking about. These accounts are not regular savings accounts and most people dont have the ability to qualify for this rate. .5% just like everywhere else if you dont have a couple extra grand to deposit
by Anonymous2 weeks ago
No. Wealthfront is 5% as well.
by Anonymous2 weeks ago
Anyone with direct deposit from a job has access to this lol
by CommonAd30132 weeks ago
Quit digging in your heels and go see for yourself. Literally every major HYSA is >4% with no direct deposit or minimum balance. Ally, Apple, Capital One, Wealthfront, Sofi, the list goes on.
by Anonymous2 weeks ago
Yeah I don't have time for that when I also have to work
by Nannie752 weeks ago
While those are easy to set up, it requires money to invest. With about 80% of the nation living paycheck to paycheck, they may not have the means to actually invest without possibly putting other things at risk in the immediate.
by NoPineapple45302 weeks ago
True, but learning to invest even $10 a week can change your life if you do it consistently. You won't miss that small amount, but it starts a lifestyle, which is the real key.
by Akihn2 weeks ago
10 a week is hard to come by when you are already in debt from: School, medicine, rent, car repairs, children, etc. The middle class is shrinking by the day last I checked, and I don't imagine it's getting any better. And let's not forget the whole Gamestonks thing, where when normal ppl started getting the upper hand, the rich just outright took their ball and went home. I bet dollars to donuts if enough people started doing this, the rich would just change the game again. Political activism is the real key. Everything else is playing Calvinball (or revolution, but most ppl would prefer to give up liberty than life)
by Anonymous2 weeks ago
It really isn't. I make less than 30k a year and so does my wife. I have all those expenses and still find a way to tuck money away every week.
by Anonymous2 weeks ago
Yes two incomes are nice, but we also have twins so they cancel each other out. Point still stands, it is possible to squirrel away a little money each week it might not be much but soon you can have a little emergency fund built up which will help prevent going into even more debt.
by Anonymous2 weeks ago
Well if you don't have a savings account then you don't need to worry about the money in your non existent savings account growing with inflation. The problem this solves only exists if you have savings already. Like the value lost to inflation of the course of a week on the amount of money the typical person makes in a week is inconsequential, if you're living paycheck to paycheck you need to be more focused on insuring your pay tracks with inflation as a minimum with growing your income faster than inflation being the bigger goal so that you can get to the point where you are worried about money sitting around losing value.
by landenyost2 weeks ago
Well this advice specifically says that IF you have money saved up, it's worse to have it just sit in your bank. It's not for those who live paycheck to paycheck.
by Anonymous2 weeks ago
No it doesn't require "money" to invest. You could literally consistently buy one less latte a week and invest that money, and you would be surprised at what you would end up with in 10yrs time.
by Hahnadrianna2 weeks ago
I don't buy any lattes. Even if I did, they're like 3 bucks. Not sure how $12 a month is gonna get me anywhere.
by Anonymous2 weeks ago
13 bucks. Or 156 bucks every year, but growing exponentially.
by Zealousideal_Two95932 weeks ago
5-10% is exponential growth now?
by Anonymous2 weeks ago
You hit the nail on the head. It's an education problem.
by Hahnadrianna2 weeks ago
80% of the people in this country are not loving paycheck to paycheck in the way that you mean. Not even close.
by CookieEducational4042 weeks ago
Most people have the means, they just don't know how to prioritize "I need a haircut" against "If I skip a haircut and invest this money now, it will grow to cover a whole-ass month of rent when I'm retirement age."
by Anonymous2 weeks ago
Can you specify a risk level to this please?
by Zealousideal_Two95932 weeks ago
To give an idea of historical returns, over all 10 year periods since 1928, the S&P 500 has returned between 3.4% and 11% per year (adjusted for inflation) in half of scenarios. A quarter of them returned less than 3.4% and another quarter returned over 11%. Over 20 years, the middle half of scenarios returned between 4.1% and 9.2%. After 30 years, it's between 6.0% and 8.0% Make of that what you will as it relates to risk.
by Anonymous2 weeks ago
...aaaaAAAAND It's gone. 🤷♂️
by LeaveDecent2 weeks ago
South Park and its consequences have been a disaster for the financially illiterate
by Anonymous2 weeks ago
You have no idea what you're talking about lmao sit down
by Top-Rip-51242 weeks ago
It's a joke from south park
by Anonymous2 weeks ago
Too many people have that sentiment unironically. It is bad, and the advice the other guy is giving is good.
by Top-Rip-51242 weeks ago
Scared money don't make money.
by Anonymous2 weeks ago
I don't think you understand how stable and low-risk long term investing is
by Anonymous2 weeks ago
What are you talking about?
by Anonymous2 weeks ago
Time for what? Pressing a couple buttons on a website?
by AccurateLoad2 weeks ago
You don't have time not to.
by Bcasper2 weeks ago
You say that as if it's anyone's loss but yours.
by Past-Lynx2 weeks ago
You don't have time to passively invest your money?
by deewisozk2 weeks ago
You don't have to put in any time to make it work, just open a high yield savings account which is always higher than interest rates.
by Anonymous2 weeks ago
401k?
by Anonymous2 weeks ago
Not every country has that
by Anonymous2 weeks ago
That's why I put a question mark you didn't specify which country you are from.
by Anonymous2 weeks ago
Makes sense. To answer your question, I have 401 thousand of some things yes
by Anonymous2 weeks ago
Not always, my savings account is higher than inflation
by Cassandreglover2 weeks ago
Thats why this isn't original.
by Particular-Bag56952 weeks ago
It took me way too long but I finally moved all my savings to a money market account, I net about $30/month in interest
by Striking-Scholar27252 weeks ago
HYSAs usually match the federal rate of inflation. Only problem is you still need to pay taxes. The biggest problem with inflation is how businesses judge growth by how much more money they can earn. This is flawed because how much money they earn is literally splitting hairs.
by Amiralindgren2 weeks ago
Unless you need to be able to access said money right now at any given moment. If you're saving for a house for instance, it's very hard to get money OUT of whatever you tie it up in in order to make the down payment.
by Anonymous2 weeks ago
What does that mean?
by ahmedthiel2 weeks ago
One of the key reasons for inflation is to drive people to invest. Banks make huge profits off your investment accounts. Most people lack the knowledge to invest on their own, and financial institutions know it. They then take that money and invest in things that go up in value because of inflation, like houses. Inflation is a scam, always has been.
by Anonymous2 weeks ago
Isn't that literally just the whole concept of inflation? Am I missing something?
by Anonymous2 weeks ago
I think they are refering to your savings account does not have an interest rate adjusted to inflation rate, or something, that's all I can see into it, other than this it's just a fact
by Anonymous2 weeks ago
It's called interest 😂 most HYSA do in fact have rates that are higher than the inflation rate.
by Anonymous2 weeks ago
Hysa's had like a 1-2% rate for the preceding decade when inflation was way higher Historical Savings Account Interest Rates Between 2009 and 2021 In the years following the Great Recession, saving rates continued to fall to historic lows. In 2009, savings rates averaged 0.21% APY but fell to 0.17% in 2010 and 0.11% in 2011. Interest declined year over year until 2013, then remained steady at 0.06% APY through 2017. From 2018 and 2021, national average savings rates fluctuated between 0.01% to 0.10%, making savings a guaranteed financial loss. Even with the 2010s' relatively low inflation rates of 1% to 2%, money held in savings was a depreciating asset. In 2021, inflation jumped to 4.7%, while savings account interest rates hovered between 0.06% and 0.07%. Because the Federal Reserve kept interest rates low to stimulate growth, savings rates remained at historical lows for over a decade. So you're describing a very recent phenomenon 😂
by Anonymous2 weeks ago
Inflation rates were about 1-2% on average during the 2010s…that's not "way higher"…it's keeping pace, and higher than inflation most years.
by Anonymous2 weeks ago
Unless you were living in Venezuela or something, inflation in 2010 to 2020 was very low, sometimes negative.
by Anonymous2 weeks ago
Those rates listed are all standard savings rates. No HYSA account hovered between 0.06%-0.07% in 2021. But thanks for reiterating my point about historic low inflation rates during the 2010s…
by Anonymous2 weeks ago
Currently. I would not expect them to stay that way forever.
by lavonnecarter2 weeks ago
That's objectively not true. It is true occasionally, but certainly isn't something you could rely on.
by Anonymous2 weeks ago
HYSA have 4-5% right now, and the inflation rate is much, much higher than the government claims it is.
by Anonymous2 weeks ago
I think people generally associate inflation with prices going up, which is different, but maybe the same.
by Anonymous2 weeks ago
i mean...thats literally what inflation is....its how your money loses value
by Anonymous2 weeks ago
Inflation is loss of purchasing power. It does not require that the cause be an increase in supply.
by Anonymous2 weeks ago
yeah inflation is a sustained increase in the price of goods and services which can also be said as lost purchasing power
by Anonymous2 weeks ago
Ain't no way!!
by Anonymous2 weeks ago
Thankfully, I never have any money left over after I pay my bills so this doesn't affect me. If you really want to avoid this happening, just be broke all the time.
by Anonymous2 weeks ago
Yes. Put your cash into investments. Cash, like milk, doesn't age well. Assets, like investments, grow with time. Cash stands still.
by Impressive_Tie_40032 weeks ago
I tried to invest once. It didn't end well lol
by Anonymous2 weeks ago
Lol, that's literally what investing is. Attempting to keep your current money aligned with inflation. Or if you're skilled at it, make gains.
by Anonymous2 weeks ago
Or if you're skilled at it, make gains. No skill involved in buying a passive index ETF. And much less skill involved in active Investors than active Investors believe they have.
by Anonymous2 weeks ago
sure it does. Downwise.
by Anonymous2 weeks ago
Maybe yours doesn't Speak for yourself lmao
by Anonymous2 weeks ago
Yes, that's what inflation is.
by Anonymous2 weeks ago
Well, if that's true, people with money would be putting it all into assets that grow with inflation, like housing. That way, when fast food workers pay goes from $12 to $20 with inflation, their rent can be raised from $1200/mo to $2000/mo Oh, wait…
by ImpressiveOrdinary742 weeks ago
Jokes on you, I keep all my money as a hoard of precious metals and gemstones under my bed
by Anonymous2 weeks ago
I have barrels of crude oil in my garage.
by zhamill2 weeks ago
you're just now realizing this?
by Content-Heat2 weeks ago
You dont know how old they are.
by Particular-Bag56952 weeks ago
Put it into a vessel to accrue value. If you choose not to do this, then that is on you.
by Substantial-Gur2 weeks ago
OP just found out what investing is
by Anonymous2 weeks ago
Only if you keep it in cash or a Big Bank savings account that pays 0.1% interest.
by Anonymous2 weeks ago
Wait until you realize that if you don't get a pay raise each year that is more than inflation then you're taking a pay cut each year. And then realize unless you're getting a pay raise of more than about 4%… it's not an actual raise
by Cortneyparisian2 weeks ago
I see you have a keen eye for the obvious
by Ednapouros2 weeks ago
it's called inflationary taxes
by Anonymous2 weeks ago
Unless you invest it.
by Anonymous2 weeks ago
So you just learned what inflation is. Congrats.
by Kosselyse2 weeks ago
That's not at all what interest is.
by Anonymous2 weeks ago
In some way, as it's losing some trade money. For 1$, you can't buy as much as you could a few year ago
by Anonymous2 weeks ago
That's why you should avoid leaving it in cash if possible.
by Anonymous2 weeks ago
Only if you're dumb with it.
by Anonymous2 weeks ago
Get those Benjamins in an interest bearing account.
by britneymcglynn2 weeks ago
thats why I buy I Bonds.
by Anonymous2 weeks ago
For many people, not even the money they will get adjusts for inflation.
by Anonymous2 weeks ago
It does, though. Nobody stuffs currency under the mattress or burries it in a treasure chest. . It's all out there earning... unless you're a dumbass... which just might (and seems to) nr the case here ... Are you 12 with a full piggy bank, Scooter ?
by Anonymous2 weeks ago
Invest invest invest. At least put it in a high yield savings account
by Anonymous2 weeks ago
It does if you invest it.
by Anonymous2 weeks ago
Dude just discovered what investing is
by Clear-Profession-9032 weeks ago
Every single person with middle range financial knowledge here just living their best life like black swans aren't a thing and unironically rubbin' it into slightly poorer people's faces.
by Anonymous2 weeks ago
Which is why while inflation is bad, deflation is worse. Why would you buy stuff if your money is worth more tomorrow?
by Anonymous2 weeks ago
This is the entire reason inflation is bad
by Anonymous2 weeks ago
You realize inflation doesn't mean a dollar gets more valuable right?
by No_Secret94052 weeks ago
This is what the economist Henry Hazlitt called the "assault on saving."
by FitSundae70782 weeks ago
I have saved most of my money and I am more rich than everyone else who said to invest. If you know how to save you are going to be rich.
by Fuzzy-Highlight2 weeks ago
Just now realizing how the economy works I see
by Anonymous2 weeks ago
But you can hedge for inflation by investing your money, and by switching your fiat to Bitcoin.
by annabelle052 weeks ago
Yes... that's kinda the point The powers that be want it that way, because it encourages you - the average joe - to put money into investments
by Altenwertharden2 weeks ago
My CDs paying 5% disagree
by dkihn2 weeks ago
I don't have enough money for this to matter to me.
by Anonymous2 weeks ago
What about the debt you already have
by Anonymous2 weeks ago
Maybe investments help, but I know my spending habits adjust with inflation.
by Anonymous2 weeks ago
You have to invest your money, because interest rates on a CD will not keep up with inflation. You are actually taking more risk by NOT investing your money, because you lose purchasing power.
by Marcelo552 weeks ago
Deflation would be criticized just as well. Housing market crash, bad. Housing price rise, bad. People love to complain.
by Anonymous2 weeks ago
That's why you should responsibly invest it but whenever you say that everyone's minds always go to the worst possible extremes and it's not worth the hassle because they want you to handhold them through it and then hold you responsible for anything that happens.
by Alone_Hunter2 weeks ago
It wouldn't adjust for DEflation either. One more reason we need deflation
by Anonymous2 weeks ago
Never keep cash - put it in real estate
by Davisoliver2 weeks ago
That why they say to put it into the investments they pitch to you
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