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Despite the strong job market, most Americans don't have enough emergency savings. More than two-thirds of people in the US — 68 percent — say they're worried they wouldn't be able to cover their living expenses for just one month if they lost their primary source of income tomorrow, according to a recent Bankrate survey.

In part, this can be seen in the growth of the subreddit 'Poverty Finance.' The firs time we wrote about it in 2021, the online community had 847K members. Now, the number has more than doubled, standing at 1.9 million. So since financial struggles have remained a pressing issue, we have decided to revisit this corner of the internet, and show you what the gang have been posting lately.

#1

Same Here My Brother

Same Here My Brother

BobGolen Report

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hearditontheX
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I think money management courses should be required for all high school students. I know I wish I was required to take one or more. My parents didn't really teach us anything about money

Makayla VerMulm
Community Member
1 year ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

It’s required at my school!! We’re doing a Dave Ramsey course, and I am really glad that Dave Ramsey comes from a place of being broke, because he experienced money problems himself

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Rick Seiden
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I make 75% more than I made in 2000, but have less buying power now than I did then. At least my mortgage payment is a smaller percentage of my pay.

Leigh
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I'm still poor, bit at least I'm not dirt poor anymore. By the time I finished paying my bills, I'd barely have $300 to last a month! Talk about pinching every penny! Fortunately, I inherited some $. It's not a lot of $ in today's economy but to me it's a lot of dough.

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#3

To Be Honest

To Be Honest

Sonjoe_Kutuh Report

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Ray Ceeya (RayCeeYa)
Community Member
1 year ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Money buys survival. Try being happy when you're starving to death in the middle of the street. "Nobody wants to work anymore". NO! We never WANTED to work. We work because dying of poverty is the ONLY other alternative for most of us.

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#4

This Post Brought To You By My Third "New" Tire This Year Since I Can't Afford A Full Set

This Post Brought To You By My Third "New" Tire This Year Since I Can't Afford A Full Set

reddit.com Report

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Ken Beattie
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I'd never buy one tire (unless I had one ruined by a puncture). It's always better to buy two at a time otherwise the wear is unbalanced and they don't last as long. It really sucks if you can't afford to do that :(

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#5

I Think About It Every Day Too, But For Different Reasons

I Think About It Every Day Too, But For Different Reasons

jfitzgeraldMD Report

#7

Checks Out

Checks Out

Harvest_Official Report

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Ken Beattie
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

This is a catch 22 for the banks though. They've come under fire for lending too much, too easily to people who can't service the loans (or at least have difficulty doing so). So refusing to lend people money if they'd struggle to pay it off is actually them being *more* ethical. So refuse to lend, they're bastards for refusing. Merrily lend, they're bastards for foreclosing on people when they can't pay. The killer is, as it's always been saving that damned deposit. The biggest problem is inflation has made the deposit so big it's almost unachievable :(

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#9

When This Hits

When This Hits

Money_Muffin_8940 Report

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Passerby
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I have always wanted to win an appliance. I like getting useful gifts. Ironically, when I enter a raffle or a lucky draw, I usually win something I can't use myself. So far, I have won a cd from famous artists who I don't even like, so many dolls, a photo album of japanese boy bands whose name I don't even know, a bicycle that is far too small for me, a woman blouse (I am a man) and other things I can't quite remember. The most useful thing I have ever won is an electric kettle.

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#10

Can Anyone Explain Where My Starbucks Money Is Going?

Can Anyone Explain Where My Starbucks Money Is Going?

MattBellassai Report

#12

Goddamnit

Goddamnit

fisaliavip Report

#14

It's A Real Struggle Out Here. We Barely Make Enough To Support Ourselves

It's A Real Struggle Out Here. We Barely Make Enough To Support Ourselves

baktanra Report

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PlatinumThe8-BitCat
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Why do they need to be replaced!? And there’s enough people here already, more than enough in fact

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#15

Sad In A Way You Just Gotta Laugh It Off As You Take It

Sad In A Way You Just Gotta Laugh It Off As You Take It

InterestSharp4724 Report

#16

Guy I’m Talking To Told Me This: Thought It Belonged Here

Guy I’m Talking To Told Me This: Thought It Belonged Here

Stock_Seaweed_5603 Report

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#17

Ridiculous

Ridiculous

JoshuaPHilll Report

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David A Paterson
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Federal minimum wage in my country is USD $15 an hr. Average monthly rent here is USD $1,575. It really amazes my why anyone would want to migrate to the US.

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#18

Hm

Hm

TheCatWhisprer Report

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Ken Beattie
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Is that even possible though? There's just something about seeing a lounge, or dinner table or whatever sitting on the curb that screams "you should check that out" no matter how well off you are.

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#20

Every. Freaking. Time

Every. Freaking. Time

ronnieth024 Report

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Ray Ceeya (RayCeeYa)
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

It's the water bill for me. For some reason the city only bills us quarterly for water and that means an automatic $150+ bill every three months. I don't know why they do this. They don't know why they do this, but it just is how they do this.

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#21

Accurate, I Love Spending Time At Home

Accurate, I Love Spending Time At Home

depressed-n-awkward Report

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Phoenix
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Inside leads to online spending. I need to be outside, but not in public.

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#22

This Hit Close To Home

This Hit Close To Home

blueholeload Report

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Katie Lutesinger
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I never sign up for anything that asks for my bank account details, for this very reason.

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#23

Let The Good Times Roll

Let The Good Times Roll

deadTig Report

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Angi
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I lady I worked with was blown away when I cheerfully said I had enough money for the week and it was 7 dollars. My bills were paid and I had food so I was golden

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#24

Relatable

Relatable

OneSeries7449 Report

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BrookeBT
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I've broken my body, never complained, never took time off when my back and knees hurt so bad I could barely walk so I'd seem like a dedicated employee only to have them hassle me when I needed a couple extra days after my dad died. 19 years at that company and I knew I had to get out of there. Take care of yourself. Work your scheduled hours, go home and have a life. Companies don't care about you no matter what BS they try and sell you. Self employed now - broke - but happy in what I do.

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#25

Who Made This Meme About Me ?

Who Made This Meme About Me ?

TyGeezyWeezy Report

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Very Normal Giraffe
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

"If I sleep through the weekend, that's two whole days I do not have to worry about food, electricity, water, etc.."

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#27

Got Myself A Motivational Pin At The Thrift Store

Got Myself A Motivational Pin At The Thrift Store

chalbeetroll Report

#28

In Trying Times Like These, It's Important To Remember This Advice

In Trying Times Like These, It's Important To Remember This Advice

temp_plus Report

#29

I Used To Think Going To Macdonald’s When I Was Young Was Exquisite

I Used To Think Going To Macdonald’s When I Was Young Was Exquisite

bryan6363 Report

#30

Me After Paying Rent And Bills This Month

Me After Paying Rent And Bills This Month

itsgoodsalad Report