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All the dumb people here have far more than $400 in our bank accounts. Pretty bold statement from someone who doesn’t know the $20/m cellphone bill is called luxury not necessity. Spending money on luxury items is the way to be poor and stay poor.
Look, I have far more than $400 in my bank, but I still wouldn’t pay $20/m for my cellphone if I have to pay it myself. I would get a $10 pay as you go.
Based on how dumb a lot of these posters are about straight up facts that can be easily verified, I have zero confidence that most of them are NOT In the 40% we're talking about, even if they are using Trac phones.
Based on how dumb a lot of these posters are about straight up facts that can be easily verified, I have zero confidence that most of them are NOT In the 40% we're talking about, even if they are using Trac phones.
Like I said, it’s pretty dumb to think saving $20/m is dumb.
I had neighbors in California, him in law enforcement, her a secretary, who's combined income was about $130,000 per year. I doubt they ever finished a month with $400. Every time a paycheck was about due, if they still had any money they would go to Costco and buy expensive doodads with cash. (A vacuum packager for food, luggage, electronics, a Vitamix Blender, etc.). Then as the month proceeded and they ran out of money, they would return these items for cash. It was sort of like their bank account.
It's not always just the "poor" in this situation.
Sixty percent of NBA players go broke within five years of departing the league. And 78 percent of former NFL players experience financial distress two years after retirement.
If they only made a "living wage" this would have never happened huh?
They keep a lot of luxury product companies afloat. Crystal Champagne; Rolex; Louis Vuitton; German auto companies; etc.
Based on how dumb a lot of these posters are about straight up facts that can be easily verified, I have zero confidence that most of them are NOT In the 40% we're talking about, even if they are using Trac phones.
You know how dumb I am? I drive extra 10 minutes to avoid paying $1.5 toll each day.
Like I said, it’s pretty dumb to think saving $20/m is dumb.
I didn't say it was. Pay attention. The blanket position that everyone should be saving $20/m when a lot of these people have outstanding or recurring medical bills, or credit card debtthey got into when they were in a bind, or some unexpected life event that wiped out whatever savings they did they have is a dumb position to take.
You know how dumb I am? I drive extra 10 minutes to avoid paying $1.5 toll each day.
And? You still probably buy into the conventional "wisdom" being spread here? That's the dumbness I judge on. You can luck into a job that hides your poor decisions. Believing nonsense is willful stupidity.
And? You still probably buy into the conventional "wisdom" being spread here? That's the dumbness I judge on. You can luck into a job that hides your poor decisions. Believing nonsense is willful stupidity.
I don’t “lick into” a job. I work hard and improve my skills so that I can continue into a better job.
Luck has zero to do with having a decent job. Luck has lots to do with a great job.
I didn't say it was. Pay attention. The blanket position that everyone should be saving $20/m when a lot of these people have outstanding or recurring medical bills, or credit card debtthey got into when they were in a bind, or some unexpected life event that wiped out whatever savings they did they have is a dumb position to take.
What % of that 40% fall into your scenarios?
What % are just victims of their own bad choices?
I didn't say it was. Pay attention. The blanket position that everyone should be saving $20/m when a lot of these people have outstanding or recurring medical bills, or credit card debtthey got into when they were in a bind, or some unexpected life event that wiped out whatever savings they did they have is a dumb position to take.
There’s a thing called insurance.
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