Same with children

HA!!! HERE IT IS!!! The Terry Pratchett Sam Vimes Boots theory I mentioned before!

Healthcare in Murica is financially predatory.

How is this controversial? They absolutely should not exist. You don’t become a billionaire by paying people fair wages and a fair amount of tax. You become one by playing the system and cheating people out a liveable wage.

This is true. Terry Pratchett's Sam Vimes had a GREAT little commentary on that.... too darn true.

YES to #2. "Start your own business" is advice that gets abused just as much as "Go to college." It's not for everyone, folks.

Or better yet: Don't police how other people spend their money. Unless they ask you directly, it's literally none of your business. How would you like it if people commented and judged you on your purchases? Don't do it to others.

I had very good grades at school where's he money they promised my I'd have if I worked hard? did I work hard for nothing? Do you just have to know rich people and they give you jobs... or not FILLON RENDS L'ARGENT!

Get rid of religion, it is only about control and money. Controlling YOU and YOUR money.

You also can't buy in bulk, transport far for savings, or afford an annual subscription for discount stores or Prime.

In... the USA... yes. I remember well the incredulous conversation I had when I was in my early 20s with an American friend. I laughed and asked him something like 'Ha ha.. yeah, sure, so what happens if you break your leg on vacation?" and he said "I dunno... pray... and beg?" - then I realized he was serious. And... the conversation got worse from there... it took me a WHILE to truly accept he wasn't exaggerating.

Yes! The highest earner's compensation should not be more than x% of the lowest wage employee. This should apply to every company!

Affordable birth control NOW and forever!

Our job offered " free 30 talk with a financial planner" He determined that I would have to put 1800 a month towards retirement to make the magical 1 million mark. That would have left me with $800 a month to live. And why do i need a million if i am living off 45,000 a year now ?

Don't go broke trying to impress people.

It’s also totally fine to keep finances separate. Have one shared account for joint household bills, but then separate accounts for your fun money and personal expenses.

True. Very true. We don't own a car. There was a time we had to take the bus home from a big grocery haul. It was cheaper to get a ton of food all at once than spend bus/cab fare multiple times. So I'd be waddling down the block from the bus stop carrying 6 bags on each hand. Sometimes having to go back and forth up and down the block lol. Laundry day meant gathering up 3 large bags, putting them on the wagon and walking it all down to the laundromat. There was no car to just drive the kid to school. Rain, sun, ice and snow we had to walk her there and back, sometimes using the wagon or sled. Cleaning meant actually scrubbing and dusting, not using all that fancy stuff. We had slumlords so we had to do a lot of repairs ourselves or wait until a cheap, careless contractor came to do a temporary patch job. I was in way better shape back then than I am now lol.

The people that work the hardest get paid the least. I worked my butt off in my early years (worked late, did extra) and it didn't pay off. My company went from a tenure/yrs of service promotion model to a college degree model.

say it louder for the people in the back!!!!

They cannot afford to be lazy

Lazy knows no race, gender or economic status. Same with ambition and industriousness. The clue here is take each person as an individual and see who they are.

Yeah, we're not the ones constantly hungover on our luxury yachts posting selfies. Many of us work two jobs just to pay basic costs.

No group is all anything. All generalities are incorrect. I don't think laziness is the biggest problem. I think two things are bigger causes. First, unrealistic expectations. I'm not saying that the system is fair, but it's not going to change overnight either. If you want a house and family, the odds are very, very slim without additional training of some kind. Second, people don't know how to budget their money. I blame our educational system for not preparing children for the real world.

Some are.

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Most of the poor people I know ARE lazy, and likely to throw out what little they do earn on gambling, drugs, alcohol, cigarettes, and fast food. I'll grant you that there must be poor people who aren't like this but, I haven't met any.

When my mother was in her late eighties, I told her that she could stop saving for her old age. She blinked and started laughing because she realized that she was, in her mind, still doing so. I miss her every day.

Medical treatment in Murica is financially predatory.

My mom has a serious problem with this. She's super finicky about interior/exterior appearances and every boyfriend she's moved in with, she's "helped" with redecorating and renovating. Each time I just shake my head and roll my eyes when she's not looking. Keep telling her to just stop and stop moving in with men just because she doesn't feel comfortable being a "single woman living on her own".

This is a personal matter between the family. There are some well-to-do parents who have no problems kicking their 18 year old to the curb without anything to survive on. And then there are the other parents, regardless of how well-off or not, who know how hard it is for the single, young folk to get by on their own and are okay with letting them remain at home to save money. It's no one else's business. You do you, people. If you're okay with your kids living at home, then that's you're business. If you want to kick them out of the nest, that's you're business.

yes some poor children are smart but we never get to grow our smartness meet other people study be given opportunity we just stay there in the bled.. I mean.. it's a waste ; and I hate waste; us, poor people, do

Unless you have been in those shoes, you can't know how to advise someone on living in them.

I get frustrated at people saying it's inexpensive to cook healthy stews with cheaper cuts of meat and veg. The ingredients might be less expensive but having the oven on for 2 hours is more than many can afford where I live.

Disability benefits are there to cover the extra costs associated with having a disability/being disabled. Do you have to keep the heating on 3/4 of the year because of kidney failure, because there's a cost to that. Do you have to eat food without certain niche ingredients and therefore spend additional money covering the cost of that. I spend additional money each month on petrol so I can get to places because the bus isn't suitable. Disabilities cost more.

Anyway saving is a myth, that is NOT how rich people get rich. Source: I am in the 1% in my country, own 3 cars, paying off two properties, have two servants, private schooling, etc. How did I do it? Sheer luck, and playing the stock market with spare cash.

nothing is !

Not having a car payment ROCKS! I’ll drive mine until the wheels fall off or it’s no longer economically sound to keep it

been hearing that poor people need to work harder to have better things. If we don't work harder we don't deserve nice things. I work hard yet things don't get better..at my age I don't think they ever will

Ex-Credit Union manager here. If you're married, you should at least tell your spouse you have your own acct. Most honest couples disclose that ahead of time. AND don't ask anymore questions. If they can't accept that then they have issues that will probably ruin your relationship eventually anyhow. In the event of death the spouse is usually the beneficiary anyway.

This. I keep saying to people let's say "he is paid X" instead of "he earns X". Generally a person in management or above does not earn anything, they are more or less email forwarding devices that forward instructions between upper management and staff. That's not work.

a child's happiness depends on money I would feel better (and the people at school insulting me too) if I coul take a shower when I want instead of "water is expensive and we only have one hot water balloon-storage/day so we'll have to take turns : for a family of three max MAX is 1 shower every three days :(

I love my credit union. Still some fees but not nearly as bad as banks!

"Financial literacy" is code for rich people wanting to believe that poverty only happens due to personal faults and not systemic injustice.

Youtubers and other platformers get a lot of help from friends and family to advertise, and those who really did it themselves took a lot of sacrifices many of us aren't willing to risk. All these ones saying they quit their jobs to focus on their channel for a couple never tell you how they were able to do to that. Same with the ones saying they tried working one office job, quit and vowed to never work for someone again. HOW?

I think it should be taught in secondary school, as not everyone goes on to university

The US system seems so complicated to me. In the UK your employer just deducts your taxes for you, mostly it's self-employed people have to do tax returns/work out their own payments.

I never knew how true this was until a year ago. If I end up not being able to go back to work (currently on leave with a medical issue), I may or may not get social security benefits. They say that I can work, even if it's a job with less pay and less hours. How am I supposed to live on working 20 hours a week at $10 or $15 an hour?? If I don't find the right treatment, I'm poor no matter what.

Lemme emphasize the "if you are good at your job".