How do people survive anymore?

Is everything too expensive?


  • Total voters
    53
Many aren't. You'd be shocked to know that according to a recent report, 37% of Americans have less than $500 to their name. You can blame this on the times, inflation, or whatever; but a lot of it is people lacking financial literacy. Spending tons of money on doordash, racking up credit card/klarna debt without any meaning of what it does. My friend's sister got a credit card for her 21st birthday and had no idea how to use it. Living beneath your means can help a lot, and that is what I do to get by. I've found easy and cheap meals to prep at home throughout the week, I don't have an insane car payment and I keep expenses as minimal as possible.
 
Many aren't. You'd be shocked to know that according to a recent report, 37% of Americans have less than $500 to their name. You can blame this on the times, inflation, or whatever; but a lot of it is people lacking financial literacy. Spending tons of money on doordash, racking up credit card/klarna debt without any meaning of what it does. My friend's sister got a credit card for her 21st birthday and had no idea how to use it. Living beneath your means can help a lot, and that is what I do to get by. I've found easy and cheap meals to prep at home throughout the week, I don't have an insane car payment and I keep expenses as minimal as possible.
I make decent money and I still live like a broke ass. I never know when I'm going to have to lean back on that savings account for a few months.
 
Many aren't. You'd be shocked to know that according to a recent report, 37% of Americans have less than $500 to their name. You can blame this on the times, inflation, or whatever; but a lot of it is people lacking financial literacy. Spending tons of money on doordash, racking up credit card/klarna debt without any meaning of what it does. My friend's sister got a credit card for her 21st birthday and had no idea how to use it. Living beneath your means can help a lot, and that is what I do to get by. I've found easy and cheap meals to prep at home throughout the week, I don't have an insane car payment and I keep expenses as minimal as possible.
It's amazing to me how many people don't know how to budget. I've been working in some capacity since I was 15, and I quickly figured out that if you spend most of your paycheck all at once, your SOL until the next payday. No matter what your income level is, it's not difficult to figure out what do I bring in, what of that is immediately taken out from taxes (most regular jobs this is done for you), what money I can't spend because it goes to bills, and then what's left you can figure out what you want to put into savings, what can be spending cash, etc. Eventually it becomes muscle memory but I guess for some this is a difficult concept.
 
What the fuck little league group is making these parents spend that fucking much? Are these like top level kids that are traveling? And why the fuck can't they just record on their phone, will the company sue?
It's these private travel teams that charge tons of money, not just the good old little league charging 100 bucks like back in the day. I didn't finish watching the Grant Rudow video because I figured it was the same as the other ones, but I can suggest Joon Lee's video on it. Basically, these private groups funded by private equity charge for training kids, coaches, bats, and other expenses, etc., and they also charge a fee to record games on your phone so you can buy their streaming service, and I wouldn't put it past the company to sue parents, and it's not even top-level kids either; these are just regular kids and their parents paying money. It's a fascinating story how private equity has basically hijacked youth sports. I can suggest watching Joon Lee's video even if it's unnecessarily drawn out for the algorithm.
 
What the fuck little league group is making these parents spend that fucking much? Are these like top level kids that are traveling? And why the fuck can't they just record on their phone, will the company sue?
One of the many curses of sportsball/niggerball.

Sports are pass-times, they are games people played as they gained more free time during the industrial revolution. Sure, there were games before that but through most of history games were training for battle. That changed when sports became popular, again mainly because of the free time people suddenly had more of.

This was fine because the teams were small, people got some exercise and there was no profit motive behind it. Over the years jews took control and made professional leagues, at first treating players like slaves. As they began making fortunes the players demanded a larger share of the profits.

Nowadays its all about winning for profit so you see the importation of niggers. Niggers control every sport now, except hockey (for now) and its because they're stupid and strong; the usual ideal for a sports player.

Now the retards that would've got some exercise playing niggerball once a week on their free time are lardasses that get super obsessed about their niggerball team. Exactly as the jews wanted. And the jews get tax payers to pay for their stadiums which the jews exploit their slaves in for the chortling lardasses. It's beautiful in a horrifying heebish way.

And this exploitation isn't limited to the professionals anymore. No no. They will whore your children so you can get super obsessive and charge a referee over a perceived bad call one day during peewee baseball. And if you're a really dense lardass with a brat who dreams of being a professional niggerball player then you have to start grooming them early and that cost lots of shekels, goy.

Best thing humanity could do is ban all niggerball the world over. Kill the people who riot about it, they are deadweight anyways.
 
Every video I get suggested on YouTube about money is about how everything is expensive.
I've seen this too. It's getting bad out there but remember that YouTube retards will make it sound 10x worse to get clicks. There is this guy I constantly get recommended that talks about food prices going up. Every day since Covid, he uploads a video of himself at the grocery store. The prices of things have flucuated since Covid, but he has to get clicks to make his money. Just remember that.

you have to pay these private companies a subscription to film your kids' games
I haven't heard that but if I was filming my kid's game and some fucker was telling me I have to pay a subscription to do so, I'd just ignore him and keep filming.
 
I see everyone complaining about how expensive everything is so here are some tips on how to save money if you're struggling:

- if you're renting, get a studio apartment instead of a regular one (it's cheaper)
- learn how to cook (this is the big one, you will save a ton of money)
- don't drink alcohol or take drugs (hard one for most people because we've conditioned ourselves to not be able to have fun without numbing our brains)
- pirate all the media/software you're interested in
- find interests where you're the creator, not the consumer
- buy used clothes as long as they're not damaged (it doesn't matter that some fucker wore them before you)
- buy used hardware as long as it's not damaged
- don't be friends with people who throw around money (they will influence you to do the same thing)
- don't go to college (it's too expensive and you can learn most things online or from much cheaper and shorter private courses)
- don't save money, invest (inflation is faster than the interest rate on your bank account, you're losing money if you keep it on a savings account)
- don't take loans (only spend money you already have)

Those are the essentials, I think.
You really don't need to spend a lot of money to have a good time in this life you were given.
Enjoy living, stop crying that you're not a Walton or a Rothschild, it's really not that bad, guys.
 
Ally through marriage with someone with decent earning potential. Go to community college and get an associates degree or certificate. Non nurse/doctor medical field jobs like phlebotomy have the highest ratio of efficiency in obtaining a degree and job demand imo. If you fill your FASFA out correctly you will earn money instead of losing it during the process of schooling. Do not go to restaurants, use doordash, smoke weed, spend money on online games or any other stupid shit until you have decent cash flow, savings, and ideally a property. Mileage may vary depending on the career you chose. If you go for a non medical field you will probably have to grind in a major city for several years before moving to a lower cost of living area at mid level.
 
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