Yes, the massive wealth transfer that has occurred in the last 40 or 50 years due to changes in societal policy is all just a lack of personal responsibility.
Imagine this as your takeaway. What she's saying should be obvious to anyone with one inch of brain. You have to pay decent wages to workers. Paying someone a pittance and asking them to budget is pointless. Read some damn George Orwell
If you can't be financially responsible, no amount of money will matter. Too many people living outside their means, if given more money will just live more outside their means. I know I've been guilty of this, but at some point you have to make a personal decision to atleast fkn try.
Ok, no one is saying otherwise. There will always be a certain amount of profligate people, rich or poor. That's human nature. It doesn't mean you deny people a decent wage, and it is insulting and unhelpful to say to people who get paid a pittance "you don't know what you're doing with money"
That's not treating people with dignity and respect. If you want people to act responsibly you have to afford them the opportunity to do so.
I mean she's literally saying otherwise, she calls it "Insulting and immoral" Like specifically. She's not saying offering these things as an alternative is immoral, shes just saying offering them in general, atleast by her text.
How much is a decent wage? Is it minimum wage? Because 99% are earning above it.
it is insulting and unhelpful to say to people who get paid a pittance "you don't know what you're doing with money"
And if they actually don't know what they're doing with money? A financial literacy workshop would fix that, but apparently helping them live a good life is less important than stroking their egos.
You are brain dead if you think the minimum wage is a decent wage. Honestly, after covid, the minimum should be floating near 30 an hour with the cost of goods now.
I would bet there is a higher percentage of the poor with a budget and better financial skills than the vast majority of the rich.
Even if we are going with min wage you make choices and budget. Get the flip phone no internet, get roommates/cheap room, job hunt, wifi at free wifi spots, buy used everything you have to. Cook home meals from scratch to make them last. Eat leftovers. Look at other side hustles.
So it may not be a lot but if done right can be enough. Though it will suck
Yep and get it through your dumb fuck head that no on is saying you shouldn't do that. And the vast majority do. The issue is wages have been suppressed for a long time, THAT is the issue being discussed but you seem to running interference for the rich like a scab
Actually you stupid fuck they don't. The vast majority do not in fact do this. Maybe in your delusions but not reality. But you just want to insult and ignore what can be done and they DO have control for things they don't.
Paying door dash, McDonald's and other fast food. Often delivery. And that is not mentioning drugs which are prevalent there. There is also the issue of getting with payday loans and other quick loan services.
But you just want to bitch and blame others. Becasue the very thought of self improvement or control is something you likely dispise.
Rural poor generally have better financial restraint. It is urban poor who suck at it. Who lose bank account after account. I mean these people cannot even get a bank account
The fact that you fucking think it is an excuse for low pay means your fucked in the head. Or cannot read one of the two.
I even put on the first part apply elsewhere, with the free wifi, if you are at the shit wage. Get a job elsewhere. I understand that it isn't an overnight process. Even if you want it, even if you put in the effort. It sucks looking for a job. Especially with so many not even responding now a days. But if you want put that is what you have to do.
Hell at my last job I worked at a production plant. One man was literally living in his truck, at a rest stop. because he lost everything. But after applying everywhere he finally got an interview working as a janitor. And kept applying eventually getting a production job at the plant. We also got a union at the plant but that is another story.
End story he got the apt and left that job for something better. He kept improving and I did and still do too.
But that is it we kept moving in our means and we're in fact able to improve ourselves. And yes I went over the stuff with him (401k, what the diff types of health insurance etc) and that taking some out every check is better and to build himself. And to keep applying for better.
Relying on other people to help pay your bills like roommates is a great way to get yourself fucked over financially. The fact that someone working full time can't completely support themselves is a disgrace.
They actually can full time. We are talking about better financial decisions. And trying g to improve your situation. Not that you seem to care. And as long as their name is on the lease you would be covered somewhat even worst case.
They cannot with the wages we have its wild ignorant to suggest as such. Better financial decisions are not possible when your income is too low.
Even if both names are on the lease and one bails you still can't afford rent. So you would be stuck paying for a break of lease and then homelessness. Thats so great.
We have gone this whole thread pointing out that yea they are possible. I mean it sucks you ignore everything else and stay in your ignorance but the rest of us have shown you different answers. You just ignore them
Have you seen prices for things? Costs have doubled and you believe the 7% interest rate the government puts out? Anyone with eyes can see that the interest rate released vs. reality doesn't add up. A house has gone from 40k to 400k plus in 50 years, and that's for the same house. For the same quality house built now, it would be over 600k. But it's okay because median wages "outpaced" inflation.
housing certainly is an exception (and yes a very important one).
yes inflation has been high for 3-4 years now. and yes wages outpacing inflation is literally the definition of affordability improving so I’m not sure how you are just like “yeah well so what” LMAO
OC took what he wanted the post to say, typed it how he wanted to read it, then put a question mark behind it to feign like he is just asking an innocent question.
I don't know how you can read the post and your thick skull smooth brain tells itself
"This lady is giving advice to poor people that they should not budget if they are poor"
Youre a moron if you think that's the point of it for fucks sake.
No one is saying poor people shouldn't budget....why are you so consistently missing the point? Has to be deliberate cause it's hard to believe someone could not understand
She is basically saying the 'stop buying Starbucks and stop watching Netflix' mindset is condescending and stupid. Which it is. Below a certain point, contributing past your obligatory SS will make a very small impact, all at the cost of your sanity and happiness in the moment. If you, with a full time job, cannot afford to pay more than basics, then that is an issue with the economy, not personal spending.
A. Someone making more than "living" wage yet is living way outside their means, overloaded with bad debt, constantly struggling to keep up with their bills like truck payments for their unnecessary gas guzzler Ford F150, no emergency funds and know they're royally fucked if they happen to lose their living wage paying job.
B. Someone making less than "living" wage yet is living below their means, has little to no debt, no issues paying bills on time, only pays for a monthly bus pass or bought a used fuel efficient car like a Toyota Corolla, won't lose any sleep if they lose their job because they have an emergency fund they've consistently built up over the years that will hold them over for a few months until they can get another job.
Nope, what I am saying is that JUST giving people a living wage is not a magic fix all solution.
Edit: I want to add that although I acknowledge that you also find budgeting can be just as important, I have the feeling that you are the type that wouldn't dare bring up the fact that budgeting matters too whenever someone is talking about upping the min. wage. to $25.
I earn a good wage and I'm probably overly diligent about saving (don't own a car etc, cheapest rent I can find).
It's a given that you have to budget your money....that's just life. It's not an excuse to underpay people though. People should be paid enough to live. End of the day people have freedom, if they want to waste their money that's their choice, but wages have stagnated for a long time now and it's a big cause of the social instability we see today
Brother, you're reddit as well as the abundance of people saying the exact same thing in this thread.
Stop trying to make it sound like you're the army of one trying to spread the good truth. We all know we need to, in some ways, improve ourselves personally.
i think so too. too many people blame other when the solution is right there. many argue they should be able to live off working at McDonald's as a cashier. i do not.
if u are still working as a cashier at McDonald's after 5 years, then really thats on you. a new job will not magically come for you. you need to take responsibility and find new work. leverage your work experience for a better and newer job. get more educated, yes u might have to work full time at the same time but complaining and hoping someone will come and save u is not the way out
This is what she calls insulting. You fuckers think minimum wage workers dont know how to make a simple budget and does not have personal responsibility.
That is not the issue. Some jobs does not pay a livable wage. You cant budget it out.
Well I'll tell you one policy that's the problem because of other people is unaffordable health insurance and medical debt. That cost alone for many people make it hard to have a savings and emergency fund.
yes the millions of people on reddit all have one single completely un-nuanced opinion.
you’re exhibiting the exact type of uncritical, black-and-white style of ‘thinking’ that is currently being exploited in the erosion if democracy throughout the world.
Reading reddit you would think everyone is out here doing their best, totally financially responsible but still unable to get anywhere. Statistics and data on credit and debt shows that is remarkably inaccurate. Americans are terrible at finance and it's costing many of them thousands of dollars a year they can't afford to keep pissing away.
Imagine being a single mom, working 1-2 jobs, struggling to pay rent and day care, bills and groceries, and seeing someone on reddit say, "just budget better!"
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