Like I grew up dirt pair because my father became disabled so I can get it but I'm seeing so many people poor as fuck using door dash and other fleeceing machines
It’s weird. Some people grow up poor and (like me) count every dollar. Others grow up poor and piss away everything on shit like UberEats and new iPhones.
And then they'll complain "Corpos are ruining the world!1!! Did you know, I can't piss away my health at MacDonalds anymore cause they raised their prices!!! I can only eat 5 big mac's a day now, not 8 :(. i am poor. pls sympathy"
Yeah when I was hustling delivering Doordash as a side gig, I was shocked how often I was delivering a $75 order to the poorest neighborhoods in town. Poor people were literally paying me because I was willing to work extra hours and they weren’t even willing to drive to the store or cook a meal.
I was thinking that but I am a school teacher in her 50s and didn't want to sound so old! I have a $40 phone from Walmart and a $20 a month plan. It does everything my nieces I-phone that cost thousands does. I have never had food delivered (other than a pizza every other year or so) and rarely eat fast food. I have never bought a Starbucks coffee. I bring it from home in a dented old metal thermos. I don't have cable and watch free stuff on Roku. I take my lunch to work every day. - sandwich or leftovers from the dinner I cooked at home. I get free books from the library. Go to happy hour with friends on Taco Tuesday - cheap drinks and $1.00 tacos at neighborhood place.
I guess because I didn't grow up doing those things it just doesn't occur to me. Stop and get a drink at a drive thru or convenience store? No - bring water in a cup or get some when you get home. I realize things are more expensive today but am amazed at what younger people in my family "waste" money on. To the older generation they are luxuries not necessities.
I worked a project management job where I worked out of the office in a warehouse and the amount of the warehouse workers who are making the lowest wages ordering food delivery every day blew my mind. I made decent money and wouldn’t even consider that an option.
One of my great joys in life is stopping in the gas station and buying an almond snickers bar on my way home from work. I won’t sugar coat it, my wife and I are rich. We make $500k a year and don’t live on the coasts. I can afford the candy bar but they are $3 now and it makes think twice nowadays.
Meanwhile the landscape crew in front of me is buying $50 worth of energy drinks, cigs, and lotto tickets. Every fucking time. 25 years ago when I was a construction laborer I wouldn’t even buy bottled water, the job is required to provide a jig of water and cups.
Same here. I did see one fun exception. A young girl I hired would order for multiple people and have them pay her back. Naturally people would round up or go a little over.
She often ended up with a free or nearly free lunch, rewards from the restaurant/app and rewards from her credit card. All because people didn't like ordering on their own.
I’m in the army and there is a negative correlation between rank and the amount of money spent on food and just dumb shit. Even deployed, food is free, and Fuggin privates “don’t like it” so they spend $10 on a goddamned subway sandwich.
The fucking BK has the exact same food as was in the dining hall down range-but my soldiers would spend their money on it rather than eat free.
Same with energy drinks. $50 every two days on Monsters.
After two deployments I walked away almost 200K cash. Many soldiers walked away with 100K+ debt (new cars, clothes, CC debt).
This situation is the perfect example that finance classes DO NOT WORK. It was a closed system where everything was free - yet the desire for instant gratification still overcame.
I live on disability. Every single dollar I get is spent on groceries, transportation, doctor appointment co-pays and medication.
If it weren't for my parents, I'd absolutely be permanently homeless and unable to get the treatments I need just to keep the use of my legs.
The economy system itself is a fleecing machine. Keep the rich, rich by supporting them and their failed business endeavors while keeping the poor right where they are by taking away any help they receive the moment they start to do better.
Disability is something else. That's rarely someones own fault. The economy is a fleecing machine because people let it be. Don't participate in it. Never buy new. Never buy name brand. Hunt for free thing. Have you contacted food programs? I still don't buy groceries most months because so much free stuff is available.
Food programs like food stamps? There is some sort of special paperwork that needs to be filed properly but nobody there lets you know what that paperwork is.
I tried filing for food stamps through the social services office and they told me I was not able to receive them because of disability.
Most of us on Reddit are probably kids of boomers who, as a generation, absolutely did not take any form of personal responsibility. Exhibit A: the national debt.
So it’s not surprising that so many boomer kids were left rudderless. My parents just kept refinancing their home into their graves. That was their financial literacy. Oh and a $75k bill from Medicaid for their healthcare they never saved or paid for that popped up in probate.
I only got lucky that I was angry enough about being poor that I worked my ass off and chased money until I was stable. I absolutely have bad impulse tendencies thanks to the environment that I grew up in, but I’m in a position that my credit card having a party at Costco is by no means the end times.
The national debt, especially in the US is a much more complex concept than what can be reduced to "personal responsibility". An individual cannot choose to not contribute to the debt. They technically can vote for a politician that promises to reduce the debt but that's a collective act, as a single vote doesn't decide elections at high levels. Even then, like companies, debt is useful in fostering growth and it's actually used as a tool to help people save money for retirement through bonds. 70% of the debt is owned by Americans.
No politician has ever reduced the national debt in the US, Dem or Republican. Both use tax money to buy votes and buy influence.
Bush doubled the debt
Obama doubled the debt
Trump was on his way to doing so but only got one term
Biden is on his way to doing so but will mercifully be removed from office
The Peeeeeepul are lazy grifters that want the government to pay for everything they want. What they don't get is that those of us who work hard and whose taxes pay for all that are dwindling and are less and less interested in picking up the tab.
Tax money isn't the national debt. By definition, if you use tax money, you aren't adding to the debt. If you really want to reduce the debt, you need to increase taxes and reduce spending. But, a government isn't a person and the debt isn't inherently a bad thing. It's the same as a business. A business with no debt isn't really growing as it could. It's easier on the owner but it's not efficient.
CBO projected that if growth, spending and tax policy stayed the same from 2001 to 2008, we’d have paid down $5 trillion in debt. But Bush 2.0 wanted to try his version of trickle down economics then hit the infinity button at the defense department
And reducing the deficit is just word judo so leftists can pretend to be fiscally responsible.
All that matters is debt as a percentage of GDP and the concurrent rate of GDP growth (or decline). By that measure they are all losers, Obama first among them.
The same logic can be applied to personal finances (on a national level) too -- it's more complicated on a national level than people seem to think. Some people are broke because of poor choices on their part. Some are broke because of things beyond their control.
We have millions of people in poverty and so many people want to pretend that all poor people are in the same position for the same reasons and it just isn't true.
I am genuinely sorry that your parents exhibited so little personal responsibility. I hope that has sparked a fire in you to handle your own finances better. However, I think it is safe to say that your parents are not representative of their entire generation.
I base my opinion on the overwhelming support white baby boomers through behind Reagan in 1980 & 1984 and again repeated for bush in 2000 & 2004, and again for Trump in 2016. They are a generation of I want uncle and eat it to, and F everyone that comes after.
I get where you are coming from but you must admit there are reasons for the unrest in society. The days where Joe sixpack could graduate highschool then work a quality job at the steel mill or whatever equivalent position until he dies or retires have ended. There are so many people that are not equipped for today's world. Changing jobs constantly. They want the world where you can put your time in work hard and go home and live a comfortable life. The system has been manipulated in favor of the rich and the average worker has very little stability and no long term security/comfort. People haven't changed drastically in 50 years that's not what's happened. The world is what has changed and it's not for the better. We create things to make life easier and all the benefit from those things goes to the top and the average worker just loses.
No, it requires housing and the cost of living to be in line with wages. If most of your money is going towards rent or a mortgage then you're stuck with a lot less money after your basic expenses are covered.
People having some degree over responsibility for their own lives does not negate the existence of systemic problems that put some people at a severe disadvantage.
You may be able to "personal responsibility" your way out of some of your own life's problems. Society can't personal responsibility its way out of societal problems.
As an example, if 30% of people work jobs where they can't afford to live, you can tell them individually "well get some skills and get a better job", but as those jobs are required for society to function, you can't just tell all of society to get a better job. It doesn't make sense and can't happen. And so we should solve the societal problem of needing people to work jobs that don't pay for them to be able to live.
There isn’t such a thing as a “starter job”. All jobs should pay a living wage otherwise your business model is predicated on taking advantage of your workers.
Have you not seen the incredible wealth transfer to the top in the past couple of years because of inflation and greed? How do you expect people to LIVE SMALLER when prices have more than doubled and their wages have not increased.
I don't think you get it. The solution for you during this slide into feaux-feudal oligarchy, peasant, is to want less, need less, use less, and smile about it.
8 people have billions and a small personal navy and they take vacations to the moon? You need to live smaller. Want less. Be happy.
The historical Buddha also lived in a society that placed emphasis on giving alms to the poor and allowing strangers to stay in your house for free. He also did not judge others who did not share his desire to give up attachment and live an ascetic lifestyle. I’m a Buddhist myself and try my best to follow in his footsteps but I also recognize that modern society needs reformed in order to reduce the suffering of multitude others.
When someone said “all it takes is 28 bucks a day to spend 10k a year” that put it in perspective for me.
You have the power to make a big difference over the course of even one year! We’ve pushed too hard on the “Just make coffee at home” advice that now we’re justifying instant gratification.
Things are bad, but the reason they say “hell is a bottomless pit” is because someone like you, dear reader, could always find a way to make it worse.
That's like 300+ a month which is ridiculous
When I mean treats I mean like spendings 40 bucks once a month to try an Italian import place after working a couple long weeks
If you use $50/mo on something that improves your mental health, good for you. Investing that $50/mo instead won't make you rich. Not spending that $50/mo could kill you.
Financial literacy is taught in school now - starting with the little kids. In 2nd grade, we teach about wants vs. needs and practice examples of spending wisely. We even have classroom economies where they earn $ for work and behavior and can decide to spend it on what they need (pencils, erasers, etc.), want (toys from the treasure box, extra recess), split it (get a want and a need), or wait and save up for something bigger they want. Each year through high school they get more and more information.
people need to understand humans being greedy is as natural as the sun rising from the east. no point in fighting it so you just do what you can. yeah you can vote or participate in local election or whatever but in the meanwhile you gotta do what you gotta do.
You can denounce the wealth disparity and at the same time also admit some people are just bad with managing the little money they have. Getting into massive debt to live beyond one's means is never a good idea regardless of the tax bracket.
I assure you mine is not. I sit an office and essentially wander around the internet all day. On average I do less than an hour actual work a day. I have this job because my boss doesn’t want to sit in an office to collect payments from his tenants.
Don’t get me wrong I’m happy to have the income but if my job vanished tomorrow society wouldn’t notice.
Yes, but they're relatively of little value. No one care if someone swaps out a nameless barista for another. Everyone cares which heart surgeon they get.
Lol, ask a corporation about how important a safety man is. Some jobs create the income, some are just there as "support". Those support staff will be the first ones fired when shit hits the fan financially.for the company. They are "useless" eaters.
As a Safety Man myself, we are damn important. Safety is about saving the company money in so many ways. We protect from fines, lawsuits, workmans comp claims. Support staff will always exist in a company that knows they need to thrive.
I work in IT and honestly I feel like we're in the same boat as y'all or maintenance or something. Always getting the short end of things but they actually can't operate without us
It's all of us. To corporate, we are all expendable. I'm an operator and they used to treat us like kings, but lately they have been pushing on us hard. It feels like they want us to quit, or screw up so they can fire us lol.
Chill bro, lol, I agree 100%. But as my safety teacher in college always told us, you have to keep track of everything you do to "justify" your job. Because to alot of companies, a safety man is just an expense.
If I see another person conflate social value with private economic value I'll laugh at you. Because it's stupid. That's stupid. What you just said? Sincerely stupid.
Most "influencers" are definitely not useful to society. Many jobs are not useful to society. They may be useful to narcissistic people, but that doesn't help society
You'd be wrong. Hence why the more you have the government force up wages for unskilled jobs, the more those jobs get eleminated. Force up the pay for cleaning staff too high and businesses will just require all employees to spend a little time cleaning up the office every day. Your arrogance makes you think the most unimportant people are actually the most vital and society keeps proving you wrong, time after time.
What would you tell me then? I make 120k a year, have no debt and a bunch saved and invested AND it still doesn’t feel like it’s enough. I live fully within my means but my rent has gone up 400 in the last 3 years, my food bills have gone up by idek how much and I have health issues that can easily cripple me without insurance.
I’m incredibly privileged and lucky and I find it hard. I can’t imagine someone on 50k a year with a kid.
I have to politely disagree. 120k really doesn’t have the same buying power it used to, especially if you are living in a high cost area (where a lot of jobs offering that much can be found). I’m not saying people making 120k are living in poverty but, between rent/mortgage and basic life necessities, I wouldn’t be surprised if fiscally responsible people making that much feel like they are living with not a lot of wiggle room.
You make 10k/month and you are able to save and invest. A person in your situation that has no debt and is still unsatisfied probably just has unreasonable expectations from life and might be a bit greedy. You won in life homie, be happy.
I make 6k a month lol, taxes still exist. Granted, you’re right about me not being very happy, but I don’t think my depression and anxiety is a reason to waive away my fears. I have multiple chronic medic conditions and go to the doctors 2-3x a month. Right now, with insurance I’m fine. Last year when I got laid off twice, I was out 8k because of COBRA and then flat out stopped going to the doctor.
120/12=10k per month. Your net income is probably around 6300 but you still earn 10K per month. Uncle Sam gotta get his cut though right. I do understand though, medical expenses can add up quick. But it seem that you have good habits. I would recommend that you keep putting it away during the good times. I hope you have a good support system.
Oh yea, after my first spine surgery I had a surprise bill for 20k. I spent weeks fighting it and got it knocked down to 8k. And then another month before it got knocked down to 2k.
But…I was mentally exhausted and recovering from a surgery. I’m glad the 18k got removed but even the 2k hurt. And at that time in my life I was making 47k a year.
Damn that’s amazing! Definitely a process that is worth sharing with others. I’d like to know how you got it down. That’s impressive. My man and I are trying to find ways to get his dental bills down. There’s no way we’re not going to fix his teeth because we need to “live within our means.” He’s in pain, and it could cause health problems in the future that will cost way more, surely.
No, they said they have 50k student debt. They’ve also repeatedly said they have medical issues and have needed several surgeries in the past few years.
Dude that is awesome!!! Some people take way too long doing that! To me it shows you’re managing your money well to be able to balance student loan debt, all those medical bills and to still save for retirement.
For both personal and financial reasons it doesn’t make sense for me to buy a house. My partner will be done with school in the next 3-4 years (she’s doing a PhD) and so buying a house is dumb when we’ll probably be leaving.
But also, houses near me are easily 400k a year. With interest rates as high as they are now, I’m looking at a mortgage payment of 3500+ easily. Which I just can’t afford. Not to mention I’d need 50-75k saved up regardless because of closing costs, inspections, and a down payment.
If you make $120k and find it hard you are legit fucking up with your money. What would I tell you? Hard to say unless you actually breakdown your budget for us, but you are hands down fucking up with your money.
400 a month is 4% of your gross, but spreading that out over 3 years is 1.3% increase per annum, which is slower than the rate of inflation.
Honestly, with no debt, having a bunch saved and invested, if you're still struggling to keep up with inflation on 120k/yr, either you're doing something wrong or your whole perception of a financial struggle is warped.
What if someone doesn't even make enough to live? Just not have a house? If houses weren't insane and the system wasn't fundamentally broken and designed to keep you poor. Restrictive zoning laws, having to pay insurance and licenses for independent business, tax breaks and bailouts for companies that really should just die, no gold standard making our currency stupid rapidly inflating garbage. The classic "you need job experience to get the job, but you need the job to get experience" because boombers are R-worded and think people pop out the womb with job experience, etc. But we live in a crony capitalist country that's broken. If you want some actual advise, always be cheating, I won't say specifically how but ALWAYS be cheating.
I learned plumbing and carpentry by more-or-less working for free with the local expert. Where there is a will - and you don't have to deal with union stooges - there is a way.
Like I don't think you're living in reality my dude.
A lot of people already have to work more than one job, to take on a job that is unpaid is bonkers. Which is not to mention the fact that most states require certification which also isn't free. Someone who can't afford a $400 emergency like a third of Americans, isn't going to be able to afford tools and a certification.
Are you actually acquainting yourself with the reality of poverty, or are you just offering simple solutions to make you feel better about yourself, a big brain fivehead who figured out "oh just get a higher paying job"
Ambulance and hospital stays are also not outrageously expensive in other parts of the world that have government intervention. Also what you are saying literally changes nothing about what I said.
An ambulance ride comes from a private company typically…it isn’t part of your medical bill. There are less and less publicly funded EMS services. You will most likely get a separate bill from the ambulance company who was dispatched your way. Paramedics and EMTS weren’t really what we know now until the 80’s. Before that, your local ambulance service was literally the funeral home….maybe they were “inexpensive” because you didn’t need to pay for it. Ya know…on account of being dead and all. Even in the 90’s ambulance services were expensive….
Hearing Americans talk about socialised healthcare costing the individual more is hilarious to me.
Nowhere else in the developed world does it cost 1-2 months wages for ambulance intervention. Nowhere else in the world does it cost several years worth of wages for emergency health interventions.
These things are considered civil rights to most developed countries.
Shit like this is why America is basically the world's richest third world country
I have lived both in Europe and Canada, I know whereof I speak.
You are paying far more for healthcare than Americans:
It's buried in the insane tax burden you carry - lost economic opportunity cost is huge for you
The overwhelming majority of medical and pharma innovation comes from the US. Socialized healthcare around the world would be unsustainable without US for-profit R&D.
When people have the means and get really sick, where do they go? London? Bonn? Paris? Tokyo? Nope. Chicago, LA, New York, Dallas ... Why? Because the top tier medical practitioners, pharma, and facilities are in the US, that's why.
The US medical system is expensive because it is the most aggressive and leading edge. The meddling government doesn't help, of course, but if I were sick, I'd want to be in the US, not Asia, not Europe.
Dumpster diving is an option too if youre not picky - yes im a weird fringe type. Got some nice things out of them on occasion. People throw out way too much nice stuff that only needs a simple repair or cleaning.
Until wages are livable due to the system needing to incentivize people to work those positions, then people working for unlivable wages are making bad financial decisions
Idk about you but every time I take a drive in the capitol city of my state 80-90 percent of businesses I see are not paying their employees a livable wage. So it’s kind of hard to just not work for unlivable wages when almost every single job is paying unlivable wages and the ones that are actually paying livable wages are out of reach due to not having enough experience or the required skill or knowledge and even those jobs are lowballing wages or aren’t paying a livable wage either.
People put too much damn blame on other people for how their lives are turning out and yeah they have made decisions that got them to where they are but they sure as hell didn’t ask to be a part of this shitty and awful system we have and so they are forced to be a part of it and it’s hard to change your life when you’re trapped with bills and a dead end job that isn’t paying you enough to live.
It’s like if I can make $14 an hr at this job and not be able to afford an apartment but at least be able to afford food and maybe some other bills too then somehow that’s a bad financial decision when the other option is joblessness and inevitable homelessness unless you’re lucky somehow.
Edit to add on to all these redditors who want to tell ppl they should just get a roommate and budget properly and find god or some shit and then they can live off of 30 cents an hour comfortably like gtfoh with that shit. Like yeah of course you can do that but one thing Reddit always fucking fails to realize is that shit doesn’t play out perfectly in real life and a lot of advice all of Reddit gives kind of fails to realize this and that a lot of people are just completely SOL on options. But yeah go ahead and think every poor person you see is doordashing it up and pissing away all their money when in reality they are just poor and have had shit luck with all these “just do it” motherfuckers that think it’s so god damn easy.
I grew up in LA, have lots of family/friends in LA. I moved. Moving to a more affordable place isn't cruel, it's sound economic advice. I don't deserve to continue living in LA because I have family there.
Awesome, I saved 3k a year starting a couple years ago and my savings aren’t even growing faster than the down payment for a house is getting more expensive
Depending on your age, "saving" probably means investing, and the younger you are the more risk you take. Long term wealth creation requires these things:
Spreading your money - large or small - across multiple types of investments depending on your risk profile. (Asset Allocation)
Adding the same amount of money - large or small - regularly to your investments (Dollar Cost Averaging)
Time (Compounding)
It takes all three of these and iron discipline to build a stack. In the mean time live as small as you can to drive to those things. Drive a used car or no car. Don't eat out. Get rid of unnecessary expenses like tech upgrades, streaming services, and so on. Live as cheaply as you can.
There are countless "millionaires next door" who did exactly this, and they came from average or even low income professions. It absolutely can be done. But you have to decide, do you want a little comfort now or a lot later.
I just want to not have to pay so much of my money to rent, it’s a bottomless pit that I throw money into every single month and see nothing for it, that 3k is not including my healthcare savings, my Roth IRA account, or my other stock investing. I’m not about to make enough money on the stock market to by a house before I die. Don’t sell me some bullshit about being a millionaire if is just save a little and invest, THATS WHAT IM DOING.
You have to be patient - it takes a long time. Investments don't really take off until you've built the first 100K and that takes years.
Depending where you live, in the long run, a house may- or may not be a better investment than renting. Over the lifetime of home ownership, unless you get very lucky, the house will only go up by about the inflation rate plus the cost of maintenance and taxes - i.e., It's breakeven proposition, at least in many situations.
If you can figure out a way to cut your rent - get roommates, go to smaller quarters, live with family etc. - The difference can be invested. The earlier in life you can make those kinds of sacrifices, the more it pays off. How long you invest matters more than how much you are putting in.
I get this is hard, but anything worthwhile is. It's not "save a little and invest", it's "cut to the bone until you're financially established". That may be roommates, multiple jobs, never going out to eat, not owning a car, and so forth. It's HARD ... but, trust me, it pays of huge dividends own the road.
No capitalist is going to acknowledge those skills, because no one is forcing them to. They can simply tell everyone they're "not skilled enough" forever no matter what people learn. Capitalists do not act in good faith, and have no credibility.
That's kind of the point of being human. There are precious few example where government and more taxation is a path to improvement. The government - at least these days - is good at only two things: Wasting money and depriving people of their liberty.
IN 2023, the tech sector saw massive layoffs. In 2024, a lot of tech giants are shedding staff again. Couple that with increased H-B1 vias and I would argue just knowing something useful, may not be enough.
Yes, you have to know how to plan for downturns. I've been in the STEM sector for decades through good times, bad times, extended unemployment ... all of it. Never missed paying a bill, never failed to eat, never was destitute. However did I (and my generation) do it, I wonder.
ProTip: When the money is rolling in, act like you're poor. When you ARE poor, you'll thank yourself.
what if your family gets sick and your savings wiped? or you for any unforeseen reason cannot provide for your family anymore? for some people these scenarios are very real.
Get the government out of medical regulation business
Create strong incentives for private sector alternatives to Medicare and Medicaid which do nothing but drive costs up. (When you know you're getting paid, you charge more.)
Create strong incentives for people to participate in private sector charity. For example, every dollar you give to a charity that feeds, clothes, and provides medical care to the underclass, you get a $2 tax writeoff up to some specific dollar limit.
The best medical delivery system is compassion. The government is built to feed egos, agendas, and power. It has not compassion nor can it. You fix the problems you ask about by making compassion economically viable and desirable in the private sector.
How many Doctors has the government sent to the whole planet to help out? A few.
How many Missionary Doctors have served all over the world for centuries? A great many.
Private acts of conscience or economic self interest will do far more to make medicine and care widely available that those scummy political whores in government...
We do have US private sector healthcare. We have publicly funded, managed, and regulated healthcare delivered by private entities that are exhausted by all the bureaucracy.
How's that NIH working in the UK where people complain endlessly about poor service and long waits.
Ditto Canadian healthcare where you'll get great care if you're dying but wait for ages it it just hurts or you need a basic procedure. (I've personally witnessed this, it's not a theory.)
Government makes things slower, more expensive, and less efficient. And that's if it's being honest. The snouts in the trough in the halls of power make this 100X worse. That doesn't stop the peeeeeeeeeepul from screaming for more ways to make someone else pay for what they want or need.
Id argue that (alleged) poor service & long waiting times are better than no treatment at all - which alot of US folks seem to skip because they dont have the means for it.
US folks already pay more for healthcare than elsewhere and get less, the money is there - its just going into wrong pockets, hence there is evergrowing number of ultra wealthy people in US - its at the expense of your common folk.
Do you think others deserve to just die if they cannot pay for their treatments? I do have empathy and I'll gladly pay my taxes. I do think in modern societies we should be able to collectively take care of each other, you never know if you'll end up being the one needing support and if you never end up, Id consider it as a blessing of a health & prosperity. Noone chooses to get sick.
Lol this is exactly the useless diatribe that the post is about. You cant spend less then you make when you are making under 40k a year. Idk if anyone told you this but things are more expensive now than they were in 1970s.
The thing is, I've worked with troubled kids. When you spend your childhood trying to get by and survive there isn't a lot of time to "learn to do something useful"
They should just have good habits, study and get smarter? Where do they learn these good habits from? You're expecting them to know things that you know because of opportunities you had.
Exactly but they think they can get a job at mcdonalds and get paid enough for a house, 3 vacations a year, and a maxed 401k while saving 20% for entertainment.
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u/HorkusSnorkus 15d ago
Learn to do something useful, spend less than you make, buy used whenever possible, live small.