- Lol, thinking TDS teens care one iota about Rock & Roll. It's 3-note bass beats & twerking or bust.
- Why do these loons keep thinking Rock/Punk/Metal is only leftist/liberal? It's counter-culture/rebellion. The only reason it was liberal in your time is because the Right was the establishment and status quo. Trump bashing or Conservative ranting in 2020 is as rebellious as tucking your shirt in and bowing to authority. If your views align with the richest billionaires and corporate CEOs of the world, you are not Punk/Metal.
Your poor money management is Trump's fault?
The reason why a good chuck of Americans are neck deep in debt is because a lot of them are too lazy or too stupid to open up an Excel spreadsheet and put themselves on a budget.
1. Set up a budget at least so that you know where your money is going. Learning how to use Excel will make your life a lot easier in the long run.
2. A credit card is not free money. The point of having a credit card is to prove to a bank that you can pay back your debts so that they feel comfortable in giving you a loan. If you use your credit card to buy shit you don't really need then of course you'll screw yourself over then.
3. If you really do need a car then get a fuel efficient one such as a Toyota Corolla or a Honda Civic because they're cheap, reliable, and will save you a lot of money on gas in the long run and if you have the extra money then buy a Telsa then. The only real reason to even have a luxury car is when you are in a position to afford such a luxury that it's just a small drop in the bucket of your wealth. Don't be one of those 'Fake Rich' types that buy an expensive car that just want to impress others.
4. At least save some of the money you make for emergencies. I know savings accounts in banks are shit but at least save some money on the side so that if something comes up then hopefully you'll have some extra money laying around to pay off whatever emergency comes your way,
5. Don't just buy products from overpriced brands because just because something is expensive doesn't necessarily mean that it will be of high quality. Now whether it's clothing, electronics, and so on just go with anything that is cheap and high quality. Now there are some things that you will then have to spend more money on (such as computers and computer parts) but try to spend less for more as much as you can possible.
6. Make your money work for you. Don't go in thinking a career is going to solve your money problems. Having a high paying job is nice but what good is it having a high paying job when you put yourself in a lot of unnecessary debt and then spend money on dumb things you don't need? Put your money in investments whether it be real estate, shares in the stock market, or an index fund. This is why most poor people stay poor anyway.
7, Any tax returns you do get, at least try to save some of it for savings and investing.
8. If you want something be it a new electronic, a car, Blu-rays, new clothes, or whatever the case may be then save money for that thing that you want. So yeah, do treat yourself to something nice because it's still your money but do so within reason.
9. Cut back on many liabilities you have. The golden rule of thumb is having more assets than having liabilities if you don't want to have any big debts.
10. Educate yourself. One of the biggest reasons on why the rich and powerful got to where they are now is because they do read a lot of books and want to know more. 'The Art of War' by Sun Tzu, 'The Intelligent Investor' by Benjamin Graham, and 'The Prince' by Niccolò Machiavelli are a few examples on the things that wealthy people read to make more money in the long run.
So overall the lesson here is that good money management comes with self-discipline, the willingness to learn, and common sense and most of the rich that we know today actually started out poor and they only got to where they are because they actually put the work to get rich by that point.