cross-posted from: https://lemmy.world/post/33704049
Wanted to add, “Fuck Cars!!”
Car payments for decades of one’s life are not the way to go.
cross-posted from: https://lemmy.world/post/33704049
Wanted to add, “Fuck Cars!!”
Car payments for decades of one’s life are not the way to go.
I know this is going to go against the “everything is terrible” narrative. But unpopular opinion - these people are just dumb. If you are making 150k per year and struggling to pay your bills, then that is your own fault. Live somewhere cheaper. Buy a cheaper car and learn to do your own repairs and maintenance. Cook your own food. Dont rack up credit card debt. And dont have kids if you can’t afford them.
I’m sure some people in the comments will all be like “no, no, you dont understand - it’s impossible to save money even at $150k incomes!” Bullshit! There are people who manage to get by on minimum wage. Or on $50k per year. Or hell, on $100k per year. I managed to retire at 31 and never broke the six figure mark. Now, I’m a cheap bastard and basically dedicated my life for 8 years to giving my cubical the middle finger - but if it is possible for me to do that, then yes, it is completely possible for people making $150k to not go deep into debt. It is absurd that I have to not only say this, but defend it against delusional doomers who just want to say that literally everything is hopeless and no one can ever get ahead.
Yeah, no. You know all the brand spanking new lifted pavement-princess pickups you see everywhere? Those were bought on credit. You know how DoorDash and McDonalds continue being profitable despite being absurdly expensive these days? They can do that because people keep paying them! Or the shopping malls that continue churning out shit fast fashion clothing that will disintegrate in 6 hours? Lots of them are packed on the weekends!
Straight up: outside of some very unusual circumstances, if you are bringing in $150k and still can’t keep up with your bills, You. Are. A. Dumbass.
I agree except the reason they are making $150k is because they aren’t living someplace cheaper. Move to cheap rural and there’s no job. Companies are forcing back to office even when it makes no sense.
Our housing shortage is a serious issue, and we should work on resolving it.
But at the same time, this is still not a real reason. After all, many people live in these same places with lower wages and still don’t go into debt.
Again, there are certainly people out there for whom it truly is not their fault. Like, they’re underwater on a house they bought in SF when prices were at their highest and have to stay there to take care of their ailing mother who can only see one specific doctor in the whole country - or whatever. And while these cases are tragic, they are not the majority.
The majority of these cases are going to be people who made a conscious choice to live beyond their means, who are unwilling to tighten their belts and give up their luxurious lifestyles. Yes, there are outliers. But most of these people are, like, suburban moms working as project managers in Omaha who are driving their new Buicks to Starbucks every morning. Sorry, but I don’t have sympathy for these people. Buy a used Toyota and brew your own coffee, it’s not that hard!