How do people with a job literally have ZERO money in their bank?

[iBrowse]

well if they were, you would have time to make them

 

[Aceofspades404]

what does this one even mean?

 

[iBrowse]

what does this one even mean?

Nothing get back to work

 

[iceberg_is_on_fire]

the family in medical are broke because they had student loans probably above 150k. thats a house in some parts of the country. imagine paying for a little house, then actually owning a real one, with 2 cars and you have kids to feed to boot. thats how you could still be broke.

now blue collar electrical(my pops). a little bit of trade school, and work your way up. if you do well and the jobs are coming in with any consistency. you can ball out. Zero student loans to pay off because those classes dont cost that much. and if they do, its still less then 20k overall. now you're making 14 hr to 35 hr.. regular pay. lets add in OT cause they work tons of it.. OT we're talking 19 to like 50 and hour. you do the math.

is it worth it to be in the medical field/law and eventually make 70k to 120k but having 200k in student loans possibly or more? vs 20k at worse in student loans working as an electrician making 35k til 100k depending on the OT levels.

I mentioned this as well. Overtime can make a person be able to save if you aren't living above your means. Also, everybody's situation is different.

 

[HookersandIceCream]

Easy to say this when you don't have student loans raping you for $1000 a month, and that's just student loans. A lot of chest beating in here. fukk y'all nikkas. You don't know everyone's situation to the fullest so what's with the prejudgment?

No one forced you take out a loan
You could have done better to get some kind of scholarship.
You could have picked a cheaper school

 

[dora_da_destroyer]

you sir are a moron...at your basic ass thinking.

It's super simple to move when you don't make a bunch dumbass compounding decisions in your life. You move early, grind, and build up your savings. But nah you idiots prefer to live ya'll dream and go to big cities and get your back broke in. Then on top of that want to buy a new car at the first opp and living in a nice swanky apartment and don't save.

It's the whole "i made it" show off ish that keeps people from saving.

you haven't refuted anything i said, you just reiterated it's super easy to move...no, it's not, there's a reason most american's live within 50 miles of where they grew up.

 

[sayyestothis]

we all gotta pay those things. but I dont understand how folks can be actin all suprised when these normal fixed expensed pop up, when it's shyt they KNOW they gotta pay regardless.

me for example, I take $300 out of EVERY paycheck I have and send it to my credit union. I don't even see that money. I haven't for years. I used to do it when I was paying a car note, I'd send the money, but after paying the car off a few years ago, I kept doing it, and as I made more money, I upped the amount I was sending over. that's an easy $7500 saved annually just by living my normal life. and that's not even factoring in me saving the excess money out of my paycheck after bills are paid.

the way I do it, is I send $300 to the credit union. I give myself $250 allowance to my other checking account as well that's deducted from my paycheck, out of that allowance I used to pay for groceries and fuel primarily. and whatever other small things I need to buy. then take the remainder of my check and pay all my bills. and anything left over, I save.

so worst come to worst, I'm saving $300 every two weeks, but that NEVER happens, cuz my expenses NEVER exceed my income.

How the hell you live off $250 every two weeks for everyday expenses?????

 

[beenz]

How the hell you live off $250 every two weeks for everyday expenses?????

easily. that money is NOT used to pay any bills. I'll buy gas and groceries with that money and that's pretty much it.

 

[sayyestothis]

You must live alone with no responsibilty and never eat or go out...

seems pretty impossible to me.

 

[infamousred]

People trying to live beyond their means. The one who gets paid on Friday and broke before Monday is my personal favorite. Another is the one whining about where they live affecting the price of things like they don't have the free will to move. You can't teach stupid people anything. Don't bother increasing their pay either...they'll just find something else foolish to spend it on instead of handling their priorities.

 

[LastEmperor2k2]

Broke is a state of mind.

If your bank account is low as fukk, but you got a house/kids/wife/car/food/lights.

You got a lot.

 

[philmonroe]

you haven't refuted anything i said, you just reiterated it's super easy to move...no, it's not, there's a reason most american's live within 50 miles of where they grew up.

I think the reason could also be the reason most people do a lot of things cause they get comfortable and don't like doing major things without people. I think oftentimes its a simple as they just don't and or they make a bunch of bad decisions that do make it harder to move. Also could be family love or something like that also.

 

[Mr. 1nighter]

you haven't refuted anything i said, you just reiterated it's super easy to move...no, it's not, there's a reason most american's live within 50 miles of where they grew up.

oh so since most people do it must be right? I did refute your point. I said plan and execute. Ain't nothing keeping people from living up to their desires but them. The older generation moved from the south to the north for opps, this new gen on some ohhh i got kids and family i can't leave them type steeze. It's silly

 

[dora_da_destroyer]

I think the reason could also be the reason most people do a lot of things cause they get comfortable and don't like doing major things without people. I think oftentimes its a simple as they just don't and or they make a bunch of bad decisions that do make it harder to move. Also could be family love or something like that also.

how many people are ok living out in the world alone? if you don't have ties to another area (friends/family/etc), why would you up and leave? dude is talking bad about people struggling in high COL areas, your paycheck gets cut when you move to a low COL area except in certain high earning fields (law, medicine, some corporate roles...in which case you're not in the struggle demographic regardless) so things net out...and recruiting for a job out of state, how is a person living check to check supposed to take all this time off from their current job and fly to other cities to interview? or should they quit their job and move? moving is easy for a select few - i've moved all over the place in the last 6 years - but for an average person, moving to another metro in state, let alone out of state, is not some simple undertaking.

 

[philmonroe]

how many people are ok living out in the world alone? if you don't have ties to another area (friends/family/etc), why would you up and leave? dude is talking bad about people struggling in high COL areas, your paycheck gets cut when you move to a low COL area except in certain high earning fields (law, medicine, some corporate roles...in which case you're not in the struggle demographic regardless) so things net out...and recruiting for a job out of state, how is a person living check to check supposed to take all this time off from their current job and fly to other cities to interview? or should they quit their job and move? moving is easy for a select few - i've moved all over the place in the last 6 years - but for an average person, moving to another metro in state, let alone out of state, is not some simple undertaking.

I agree and thought I said as much regarding the people living alone? Sometimes people want to up and leave because they are tired of the monotony and or opportunity mainly. I disagree moving or anything is pretty simple but as long as you really don't want to do something you can always find excuses why something is hard.

We don't have to agree but I don't believe it has to be that hard and not something that people could do if they wanted to do it. People like bullshytting whenever they can and this is one of them times even though like I told you people do make decisions that makes it become harder but things like this are definitely possible. My boy just moved from Philly to SD for a gig and another one moved to London (no fam or anything). That's not the norm I know just saying that regular people if they really want to can do it but most about that excuse life.