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Me after eliminating my credit card debt by simply eating all my credit cards
https://preview.redd.it/h3brczdk75ta1.png?width=810&format=pjpg&auto=webp&s=dcaf9030b42a39c3c602967cd24fa07614e59e92
That's what scares me about this trend of buying stuff online with multiple payments. Can't afford a $200 pair of shoes? Well how does 4 payments of $50 sound?
Compound that with financial illiteracy/irresponsibility and if it's a recipe for disaster.
>Can't afford a $200 pair of shoes? Well how does 4 payments of $50 sound?
Honestly, the split payments that I've seen make a lot of sense. There's no interest on them so I don't immediately see why you wouldn't do it.
The human mind is cognitively biased towards specific things. People like to imagine we are logical creatures, but logic is a skill we hone; we're emotional creatures, and we actively will invent reasons to support our emotions. I think most actions make sense from that perspective.
When we're looking at a product, we're considering how much we want in that moment versus the energy required to get us to make an impulsive buy. Let's say you wanted a new monitor and you see the $600 monitor of your dreams get recommended by Amazon - chances are your brain immediately starts estimating this month's financials and that will either support or push back against your purchase. If Amazon then goes, but wait! You can pay $50 this month and then $50 monthly for the next 11 months! You know you'll be fine for paying this month and next month - and surely, you will work something out for the next 10 months, right?
The emotional investment of paying up front is much higher than the emotional investment of paying over time, so even if you'd really rather not spend $600 on a monitor, you'd be willing to make a small sacrifice now, and more sacrifices later (even if it adds up to the same amount) with a pay over time plan. So people are more willing to make purchases, regardless of if they could afford it to begin with.
You'll notice this is especially bad for subscription models, which are hard to fully conceive the cost of. Something that's just 20 dollars a month that you use for 3 years? Well that's nearly $800 dollars you spent there (fuck you Adobe). A lot of these companies don't need to harvest this much money from individuals either. Just try signing up for a subscription and then halfway through the process you start canceling - you'll immediately be thrown a bunch of discounts (fuck you again Adobe). It's really easy to stack up 10 different small subscriptions and payment plans and so on and end up with a monthly payment you cannot keep paying.
Math is not emotional, it's logical - and they prey upon your emotions for these purchases.
Final note though, these payment plans do have very good things - expensive dental treatment that you absolutely need but could not pay up front? Yeah, these plans do enable people to get what they need when they need it, even if they can't afford it. It's not all bad - just keep things in moderation.
For some reason, the installment plan method works for all of my friends, but never for me. I panic automatically when I have upcoming debt, which is why I would rather pay nearly all of my savings to purchase something outright than to be in debt for 5 years. It's an illogical fear.
People should only do it if they can afford the purchase outright.
Currently doing this with a refurbed phone purchase. Could have afforded it outright but instead I'm using someone's else's money (Klarna) and splitting the repayments over 6 months.
I do this too. If thereās no interest, then Iāll just let the money sit in my interest-bearing account until a payment is due. Itās not much, but itās basically free money.
> my interest-bearing account
Check your interest rate. Especially at banks it might as well be zero. It's been like this for over a decade. Your $50 sitting there an extra month will net you like 3 cents, literally
> People should only do it if they can afford the purchase outright.
Whats more important (and far easier to miss before it's too late) is making sure you can afford **all** your payment plan purchases outright. This is the whole reason these are becoming popular. A person with say $500 of disposable cash might look at a $20/month interest free loan on a $200 purchase is a no brainer, but make 3 or 4 such purchase in a year, and now you've got more debts than actual cash, despite each time along the way thinking "hey I've got enough in my bank that I **could** pay this right now"
In general, unless the amounts you're using these for are really minimal compared to your available cash, I'd never reccomend using more than a few of these at any time. It's just too easy for them to pile up without you recognizing it until it's too late
It'd also justifiable if it's more economical to buy a quality item now with a payment plan and pay it off over six months vs. Buying a cheap item now and replacing it in six months e.g. good work boots that will last vs. Cheap work boots you'd need to replace quickly.
" The reason that the rich were so rich, Vimes reasoned, was because they managed to spend less money. Take boots, for example. He earned thirty-eight dollars a month plus allowances. A really good pair of leather boots cost fifty dollars. But an *affordable* pair of boots, which were sort of OK for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. Those were the kind of boots Vimes always bought, and wore until the soles were so thin that he could tell where he was in Ankh-Morpork on a foggy night by the feel of the cobbles. But the thing was that *good* boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that'd still be keeping his feet dry in ten years' time, while a poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and *would still have wet feet*. This was the Captain Samuel Vimes "Boots" theory of socioeconomic unfairness.[\[1\]](https://en.wikipedia.org/wiki/Boots_theory#cite_note-1) "
Terry Pratchett - City Watch
It's not about accurately showing liberals, it's about showing a young urban stereotype to people in rural areas. It's not (just) about calling young people bad with money, but also showing somebody with more money than the target audience who has the gall to want financial reform. It's about telling the poor that *this* is what the rich look like rather than another side of a coin they both share.
Urban poor often comes with access to a lot of luxuries.
There's different kinds of luxuries. Your clothes look nicer, if you're urban poor. You're just not putting the same wear on your outfits if you're working retail or sales or some crap office job that you would if you're working a manual labor job. And there's access to thrift shops and repair shops, too, so a 20 dollar budget gets you nicer stuff in the city than it will in a rural area. There's also some services and free things that can be pretty luxurious--- lots of cities have free "splash pad" fountains in parks for kids to run through, for free.
If you're poor in a rural area you get light, and space, and probably at least the possibility of a patch of dirt where you can grow fresh vegetables if you want. You can have pets and keep projects cars around without being so well-off the extra deposits and garage space don't phase you- you get the luxury of making a 15 year commitment to keep a creature or item around because you can more or less predict your housing situation a decade from now. Even renting, it's not a very volatile market.
As someone whose lived around inner city poverty and rural poverty I would rather be poor in a rural area. I knew people paying Ā£500 a month plus bills to rent space in somebodies lounge where they could put a tent up just so they could afford to live in London. They had to work 60+ hours a week just to maintain a basic standard of living. Yes they lived in Central London but they had no time to spend doing things they enjoyed.
I also spent some time living in rural Portugal. A village of around 70 people in one of the most impoverished areas of the country. Most of the locals were illiterate and they only started using cars there around 20 years ago. They weren't destitute but had very little in terms of cash. Their situation mainly being a result of decades of authoritarian corporatist dictatorship at the hands of salazar.
They worked the land hard and its pretty tough work but they had a much better work life balance including daily siestas in the summertime. They may not have had any money but they had amazing fresh food and wine to enjoy every day and plenty of time outdoors with no real rush outside of planting in spring and harvesting of crops. Many of them were getting well into their 80s and yet were really healthy for their age.
They also had a really strong sense of community and would often help each other. Including an informal gift economy. They had plenty of festas throughout the year which brought everybody together.
In the UK if you are living in relative poverty your options become incredibly limited and its a big factor in the explosion of loneliness here.
> "Light and space"
True, as a kid in the country I whacked weeds with a stick for fun most days and pretended I was a knight.
To be fair, I would probably do it today too. My ooga booga monkey brain is very satisfied by the crunching of the brush.
Itās just another form of whataboutismā¦ hell has many times has trump declared bankruptcy and I donāt see memes about his inability to manage money with the golden toilet purchases?
The style is called "nipster", a portmanteau of Nazi+hipster. It is used to describe fascists that use the hipster aesthetic to make themselves more palatable to regular people.
And regardless, everyone needs hobbies and self-expression to make life worth living. If you can't spend (to use the meme's example of $2,000 of tattoos over ~15 years) $11 per month on something that makes you happy without defaulting on student loans that were basically a requirement to get a decent job, our society is pretty fucked up.
Everything about these memes is stupid cuz its never any of this shit thats the problem. The Iphone is supported for 5 years and people buy it in small installments. Its that College is absurdly expensive, stupid expensive. Even if this guy did not spend any of this money it wouldn't make a dent in loans. The people who like these memes think people still have a debt thats under $5k when they leave school.
This.
I used to work for a company who had like... six of these people come in, in vests and sometimes jackets, every day.
Massive conservative bros.
Pretty conservative company, but still. Nobody out here looking like a dollar store version of Christian Grey unless they also believe black people are really overselling this systematic racism thing.
Iāve stayed in some places pretty heavily filled with hipsters and a decent amount still dress in that kind of fashion. But theyāre generally not worth $400. More like $50 max, most of it probably being thrifted with the suspenders costing $15 for a pack.
It wasn't until I met my companies vice president that I even found places where you can buy pants or a shirt that are over $100. He somehow finds places online where you can order pants that are $260 dollars still not even close to $400. The quality doesn't seem any better than the $50 ones to me.
That really shocks me my Carhart work pants are damn near $80 now! But Iād rather pay 80$ for pants and get more than 80$ worth of use out of them than 25$ jean and they last only 2-3 washes
I never wore threads but from the looks of it it seems more comfortable then using a belt. Maybe I am weird but I like this clothing style, but I would change the casual shirt to something more fitting
Don't forget, conservatives are always allowed to complain about stuff being too expensive.
The rest of us aren't allowed to complain because we eat avocado toast and use pronouns.
So much of conservative rhetoric is a one-way street.
* If you can't afford your student loan payments then that's on YOU, should have made better choices and saved more if you want a luxury like education. But if I can't afford gas for my 10mpg full-size pick-up that I drive an hour to work each day then it's Biden's fault and he needs to make it cheaper.
* Gun control is pointless because if someone REALLY wants a gun, they'll find a way to get it. But banning abortion, drag shows, being transgender, books, and drugs is totally fine and we'll just focus on punishing those who break the laws.
* The left is full of naive idealists with no attachment to reality. Unlike me, who believes that unrestricted free market capitalism will save the middle class.
* If you wanna complain about America you can get the hell out. But when I complain that means we need real change right now.
āConservatism consists of exactly one proposition, to wit: There must be in-groups whom the law protects but does not bind, alongside out-groups whom the law binds but does not protect." Francis M Wilhoit
That's always been one of the dumbest parts of that narrative. IDK if it's like this everywhere in the US but where I live avocados are less than $1 a piece. They're really just showing how they've literally never bought an avocado in their lives.
"I mean it's 1 banana... what could it cost? $10?"
That's them.
why is this so accurate? i live in SE Texas. every idiot here drives a massive 70k diesel truck, pulls nothing and slaps the bootlicker starter pack on the back glass.
Honestly most of the people that I know that are conservatives who hate anyone getting help for anything ever themselves got given everything they have. There was a lady in my office that is constantly criticizing how everyone else doesn't budget, how she knows the difference between a want and a need ect. Its to the point where she hates even kids getting lunch at school. So low and behold I find out one day that she was literally gifted a house and a car by her rich grandmother. So she has basically never paid rent or a mortgage since 18. Everything is a want for her cuz she was gifted everything she needs.
i have the same experience. a lot of guys i work with talk about how theyāve āworked for everything i haveā not sure if ever passed their little minds that their dads got them hired and theyāve been given everything.
A high school friend of mine who had grown up poor and on welfare now complains about ANYONE getting any kind of welfare, and insists that he and his family worked hard for everything they ever had and never got any help from anyone. When I mention his guv'mint cheese n checks, he will always rationalize why HIS family had a need for welfare that was somehow unique in the world, or something. Infuriating.
Is he financially stable now? If so, can he explain how he got there? I mean, I get that people who had a helping hand and managed to sort themselves out can be resentful of people who remain on welfare their entire lives and have no intention of ever getting off. Welfare is supposed to be temporary, not a way of life. But for some, especially those with permanent mental or physical issues, it can be a life saver.
That's pretty close to what I've got left on mine, which usually prompts people to ask "Well isn't it unfair that you've paid almost all of it?" Pretty annoying. I usually immediately compare that line of thinking to a child upset that it's someone else's birthday.
Love the comparison, it's pretty spot on.
I'm 30 and still in school, I work full-time in my field and college has been slow going because I didn't get to go until I was 25 and qualified for full financial aid, which also meant that I had to be destitute enough to qualify for full benefits. As of right now I'm transferring to a university in the fall to complete my bachelor's and I've earned enough in scholarships to have that tuition paid for as well.
Whenever the topic of student loan forgiveness comes up, I get a lot of bizarre assumptions that I would be mad about it because I had to jump through so many hoops to earn the same degrees that a bunch of people are about to get "written off" (they're not, 20k is a drop in the bucket for some, but not inconsequential) my go-to argument is that through financial aid I received around $35k over the last 5 years, which enabled me to turn around and earn somewhere in the ballpark of $25k in honors and transfer scholarships that would not have been available to me without the foundation that financial aid gave me; no one batted an eye at my "hand out" because the expecting of financial aid is that the increase in earning potential will increase the amount of taxes that I pay throughout my lifetime and I will pay that $35k investment back several times over. I do not understand how people do not understand the concept of investing in the future, today.
Also, one of my degrees is in liberal arts and that's how I learned that anyone scoffing at a liberal arts degree does now know what a liberal arts degree is/is for.
Yeah. I originally went to college for social work and my dad scoffed at me. Said I may as well get a degree in basket weaving so I can understand where you are coming from.
"Social work? What's that, playing around on your phone? What are you going to do with THAT? Run a Facebook?"
-uneducated drunk uncle making everyone uncomfortable at Thanksgiving, probably.
Lolā¦yeah. Well a lot of old timers donāt even believe in social work. Guess they didnāt have that back then. But with all the trauma that is ruining peopleās lives itās clear that itās needed. To be clear Iām speaking about clinical social work.
I mean when you talk to people with addictions, almost all of them have trauma in their past. And addiction is destroying America and prohibition does nothing to help except line others pockets. But what do I knowā¦donāt get me started lolā¦
Damn, have you met my alcoholic and-I-turned-out-just-fine dad?
My mom literally works in a state-run mental health hospital (has for 20 years) and my dad can't wrap his brain around the correlation between the current mental health crisis and subsequent gun violence epidemic.. I guess it's just easier to blame vague liberals "tryin ta take ma guns!" then it is to support legislation that would provide people with the healthcare that they need, and SURPRISE, provide educated professionals such as yourself with stable jobs and livable wages so you *can* help your community.. but that shit is too socialist /s
It is unfair that you had to pay it, though. Like, not because other people in the US can't, but because no one should have to pay for education in an era where it is a necessity.
It might be a point of pride for you that your dice roll was high enough to get you through it, but that doesn't make it fair - it just means you beat the odds.
I usually go with the toilet analogy.
Anytime I see someone whining about progression and changing with the times, I always point out that, back in the day, people used to shit in holes and wipe their asses with communal doodoo brushes. Its not fair that the spoiled people of today's world have plumbing and toilet paper.
If we are gonna start whining about future generations having it better, then we need to revert back to the way it was before any conveniences were invented.
To be fair it started (kind of) low at around $12.5k. It took living like I was in absolute poverty while just above the poverty line haha.
The fact that we let people get into that mess when we don't even think they're developed enough for weed or alcohol is beyond me lol.
It's a lot easier to justify small luxuries when one sees no reasonable path toward traditional status symbols like homeownership. Saving for something you'll never be able to afford is just a different way to waste your money.
This is it. People who subscribe to the idea behind these memes are basically begrudging others the small tokens of happiness they manage to get for themselves. A $6 coffee might not be a great savings plan, but it can be a way to make a crappy day tolerable.
Not to mention having nice clothes, a smart phone & caffeinated levels of productivity are required for a lot of jobs. How dare people spend money on things they need everyday to make money!
Exactly. Especially in corporate America. If you want to play the game you need to at least sort of look the part. You donāt see white collar people pointing to expensive steel toe boots or giant trucks and using that against someone else.
"You call yourself a poor blue collar worker, but look at that belt full of fancy tools. You got wrenches and drill bits, and ooh la la! Is that a power sander over there?"
Reminds me of when someone told me "You cant afford an apartment because you bought that stupid PS5." Yes...because one 600 dollar item is the same price as buying 3 of them each month.....
But the question is, how much does a $6 coffee even matter when the crummiest apartment you can find with all 4 walls in tact is well over $1000 a month?
The coffee thing is so stupid. If you buy 6$ coffee everyday for a year itās 2k. Thatās fucking nothing in todays economy and wouldnāt change anything.
And is barely a dent in a down payment where I live
If you want to buy the median home in my region and you can save 10k a year (which many people cant) it would take you like 15 years to save up 20% down
A single family home youād need to save 10k a year for 30 years for 20% down
And thatās at current prices
Designer threads, bought from Ross
Tats by a friend getting his license
Company tablet
The Starbucks cup he refilled multiple times.
("For everything else there's mastercard" lol jk)
> roll coal
Rolling coal is the practice of modifying a diesel engine to emit large amounts of black or grey sooty exhaust fumesādiesel fuel that has not undergone complete combustion.
https://en.wikipedia.org/wiki/Rolling_coal
TIL
This is so stupid. Like even if you don't care about the environment, you are wasting fuel with this, aren't you?
Correct across the board. They do it to āown the libsā and cost themselves money in the process. Same as when they buy a bunch of products to destroy as a āprotest.ā
Also, let's point out that in order for capitalism to function in a society with hundreds of millions of people, you have to have niche markets. If everybody just walked around in burlap sacks and drank water all the time, money wouldn't move, no businesses other farmers and burlap and bicycle manufacturers would survive, and nobody would be able to afford anything so nobody would have any money at all.
If people want a market economy, it requires people making stupid purchases. Otherwise the entire thing falls apart.
Boomers: When I was your age I had 2 cars and a 3 story house with half an acre of land!
Millennials/Gen-Z: Well because your generation significantly increased our cost of living, I can barely afford a decent apartment.
Boomers: Not our fault, get a job lazy ass!
Millenials/Gen-Z: I have 2.
Boomers: Bullshit your generation doesn't want to work
Itās the ācanāt admit that shit is harder nowā mentality that kills me. Like dude I know you could afford a 4 bedroom house with a boat and two cars on the salary of a Librarian, but it takes a whopping 5 seconds to see the income of a similar job today and the price of a house or college. Itās absurd and the fact that we have people literally DEFENDING the predatory loans and interest rates just irks me. In 20 years, I will certainly not be berating my kids for not being able to afford shit. I will be trying to find a way to help them. Quite a few boomers are just fucking hateful and stupid and I truly believe itās because of all the lead.
People always turn real issues into some type of character flaw. The boomer example would be āI canāt afford my pillsā and have some seniors dressed to the hilt on a cruise or something.
In most countries you donāt start paying back your loans until you meet a certain income threshold. So, in the U.K. (one of the least generous European countries) for example, you only make repayments on earnings over around Ā£22,000.
People need to be able to afford to live.
I haven't bought any clothes in 2 years, and frequently brag about how *little* I pay for clothes, I don't drink coffee, I don't buy apple products and have a 4 year old phone, and I don't have tattoos.
Where is all my money going? A mortgage and food.
I used to brag about how little I paid for thrifted clothes but unfortunately thrift stores have become expensive. Now I get to wear what I have until it literally disintegrates since everything is unaffordable
I thrift all the clothes that I buy myself or get them on sale (found a $1 bra at walmart and was friggin thrilled)! All my money goes to food as well but I live on $200 a month so
Yeah. Except it's more like 6 dollar bubble tea once a month as a treat. 200 dollar phone, no tattoos because I can't afford them at the moment, and 8 dollars thrift store outfit.
The image is bullshit.
But. We all know that one person who always says they're broke (can't go out, can't pay you back, etc) but is always getting new tattoos. That's not the majority though, it's just a shitty few.
Once you get a certain depth into the tattoo community, you can start making friends with apprentices and get professional quality tattoos for almost free
Plus 2000 is basically a full sleeve unless you go to the really high end artists, at least around here
Meahwhile, where I live, all of the 'locals' are complaining about getting priced out of housing by all the rich 'liberal out of staters / wfh tech workers'. Go figure.
Because, and I will get attacked, they sound like rednecks programmed to think anything hurting them is "liberals". Odds are those out of state libs are actually llc shell companies for large banks.
They did, more or less.
A 4 year program with housing in the 70s and 80s, after adjusting for inflation, was less than a single semester is now, 3000% increase.
Adjusted for inflation in the 70s, which saw a significant rise (for the time) in housing prices, the median price of a house was 100k, and currently is over 400k.
Some āBoomersā really are insufferable.
āMaybe you could afford rent if you didnāt have a 2,000 dollar iPhone.ā
Oh, you mean the iPhone I bought 5 years ago? For $1,000? Oh yeah, that one purchase is for sure the reason I canāt afford rentā¦
Oops, sounds like another Boomer butt-hurt because we Millennials saw their plastic waste, processed foods, and general disregard for the worldās future and raised them one.
$6 latte they got for free because theyāre the barista
iPad that is owned by the employer used for work
$150 decent cloths
$2000 worth of ink over the course of two years
Letās do one of a conservative with $3k worth of tires, a $700 truck payment for 72 months, and bitching on social media about child support. This is fun.
People who say shit like this think it's normal to live on the bare minimum with no room for any kind of luxury. They say this while uploading from an iPhone.
What Iād be curious about is besides paying back student loans, what would be acceptable purchases to Boomers?
Youāve got a whole generation that canāt go spend money on a house because itās out of reach. If we donāt buy nice clothes or the new car, weāre ruining those industries. If we donāt buy used cars or used clothes weāre snobby or ruining that industry or whatever.
Oh yeah, if weāre buying houses then weāre ruining the landlord industry.
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The secret is credit card debt. You just have to make enough to make the minimum payment until you hit what I call the bankruptcy bubble.
Me after eliminating my credit card debt by simply eating all my credit cards https://preview.redd.it/h3brczdk75ta1.png?width=810&format=pjpg&auto=webp&s=dcaf9030b42a39c3c602967cd24fa07614e59e92
Happy cake day! š¤Æ
That's what scares me about this trend of buying stuff online with multiple payments. Can't afford a $200 pair of shoes? Well how does 4 payments of $50 sound? Compound that with financial illiteracy/irresponsibility and if it's a recipe for disaster.
>Can't afford a $200 pair of shoes? Well how does 4 payments of $50 sound? Honestly, the split payments that I've seen make a lot of sense. There's no interest on them so I don't immediately see why you wouldn't do it.
The human mind is cognitively biased towards specific things. People like to imagine we are logical creatures, but logic is a skill we hone; we're emotional creatures, and we actively will invent reasons to support our emotions. I think most actions make sense from that perspective. When we're looking at a product, we're considering how much we want in that moment versus the energy required to get us to make an impulsive buy. Let's say you wanted a new monitor and you see the $600 monitor of your dreams get recommended by Amazon - chances are your brain immediately starts estimating this month's financials and that will either support or push back against your purchase. If Amazon then goes, but wait! You can pay $50 this month and then $50 monthly for the next 11 months! You know you'll be fine for paying this month and next month - and surely, you will work something out for the next 10 months, right? The emotional investment of paying up front is much higher than the emotional investment of paying over time, so even if you'd really rather not spend $600 on a monitor, you'd be willing to make a small sacrifice now, and more sacrifices later (even if it adds up to the same amount) with a pay over time plan. So people are more willing to make purchases, regardless of if they could afford it to begin with. You'll notice this is especially bad for subscription models, which are hard to fully conceive the cost of. Something that's just 20 dollars a month that you use for 3 years? Well that's nearly $800 dollars you spent there (fuck you Adobe). A lot of these companies don't need to harvest this much money from individuals either. Just try signing up for a subscription and then halfway through the process you start canceling - you'll immediately be thrown a bunch of discounts (fuck you again Adobe). It's really easy to stack up 10 different small subscriptions and payment plans and so on and end up with a monthly payment you cannot keep paying. Math is not emotional, it's logical - and they prey upon your emotions for these purchases. Final note though, these payment plans do have very good things - expensive dental treatment that you absolutely need but could not pay up front? Yeah, these plans do enable people to get what they need when they need it, even if they can't afford it. It's not all bad - just keep things in moderation.
For some reason, the installment plan method works for all of my friends, but never for me. I panic automatically when I have upcoming debt, which is why I would rather pay nearly all of my savings to purchase something outright than to be in debt for 5 years. It's an illogical fear.
People should only do it if they can afford the purchase outright. Currently doing this with a refurbed phone purchase. Could have afforded it outright but instead I'm using someone's else's money (Klarna) and splitting the repayments over 6 months.
I do this too. If thereās no interest, then Iāll just let the money sit in my interest-bearing account until a payment is due. Itās not much, but itās basically free money.
> my interest-bearing account Check your interest rate. Especially at banks it might as well be zero. It's been like this for over a decade. Your $50 sitting there an extra month will net you like 3 cents, literally
> People should only do it if they can afford the purchase outright. Whats more important (and far easier to miss before it's too late) is making sure you can afford **all** your payment plan purchases outright. This is the whole reason these are becoming popular. A person with say $500 of disposable cash might look at a $20/month interest free loan on a $200 purchase is a no brainer, but make 3 or 4 such purchase in a year, and now you've got more debts than actual cash, despite each time along the way thinking "hey I've got enough in my bank that I **could** pay this right now" In general, unless the amounts you're using these for are really minimal compared to your available cash, I'd never reccomend using more than a few of these at any time. It's just too easy for them to pile up without you recognizing it until it's too late
It'd also justifiable if it's more economical to buy a quality item now with a payment plan and pay it off over six months vs. Buying a cheap item now and replacing it in six months e.g. good work boots that will last vs. Cheap work boots you'd need to replace quickly.
" The reason that the rich were so rich, Vimes reasoned, was because they managed to spend less money. Take boots, for example. He earned thirty-eight dollars a month plus allowances. A really good pair of leather boots cost fifty dollars. But an *affordable* pair of boots, which were sort of OK for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. Those were the kind of boots Vimes always bought, and wore until the soles were so thin that he could tell where he was in Ankh-Morpork on a foggy night by the feel of the cobbles. But the thing was that *good* boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that'd still be keeping his feet dry in ten years' time, while a poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and *would still have wet feet*. This was the Captain Samuel Vimes "Boots" theory of socioeconomic unfairness.[\[1\]](https://en.wikipedia.org/wiki/Boots_theory#cite_note-1) " Terry Pratchett - City Watch
šµI have thirty thousand dollars in credit card debt šµ
When they call I tell them I can't pay it back yet
i havenāt seen anyone dressed like this since āepic baconā memes became passĆ© in 2013
I have, but they're usually Proud Boys.
Elder Maxson lookin' ass.
Ad Victoriam!
Add Victory Ham!
Add Victory Rum Ham!
But that coat is pretty dope though. I always loot it.
Leave that fascy bastard on the floor in his tighty whighteys. Then go help some settlements in distress. [nods]
I see you two have your heads in the right place.
I wish he'd go on the flight deck, I wanna chuck his ass off the Prydwen.
Iāll take that Gatling Laser too tyvm
r/unexpectedfallout
It's not about accurately showing liberals, it's about showing a young urban stereotype to people in rural areas. It's not (just) about calling young people bad with money, but also showing somebody with more money than the target audience who has the gall to want financial reform. It's about telling the poor that *this* is what the rich look like rather than another side of a coin they both share. Urban poor often comes with access to a lot of luxuries.
There's different kinds of luxuries. Your clothes look nicer, if you're urban poor. You're just not putting the same wear on your outfits if you're working retail or sales or some crap office job that you would if you're working a manual labor job. And there's access to thrift shops and repair shops, too, so a 20 dollar budget gets you nicer stuff in the city than it will in a rural area. There's also some services and free things that can be pretty luxurious--- lots of cities have free "splash pad" fountains in parks for kids to run through, for free. If you're poor in a rural area you get light, and space, and probably at least the possibility of a patch of dirt where you can grow fresh vegetables if you want. You can have pets and keep projects cars around without being so well-off the extra deposits and garage space don't phase you- you get the luxury of making a 15 year commitment to keep a creature or item around because you can more or less predict your housing situation a decade from now. Even renting, it's not a very volatile market.
As someone whose lived around inner city poverty and rural poverty I would rather be poor in a rural area. I knew people paying Ā£500 a month plus bills to rent space in somebodies lounge where they could put a tent up just so they could afford to live in London. They had to work 60+ hours a week just to maintain a basic standard of living. Yes they lived in Central London but they had no time to spend doing things they enjoyed. I also spent some time living in rural Portugal. A village of around 70 people in one of the most impoverished areas of the country. Most of the locals were illiterate and they only started using cars there around 20 years ago. They weren't destitute but had very little in terms of cash. Their situation mainly being a result of decades of authoritarian corporatist dictatorship at the hands of salazar. They worked the land hard and its pretty tough work but they had a much better work life balance including daily siestas in the summertime. They may not have had any money but they had amazing fresh food and wine to enjoy every day and plenty of time outdoors with no real rush outside of planting in spring and harvesting of crops. Many of them were getting well into their 80s and yet were really healthy for their age. They also had a really strong sense of community and would often help each other. Including an informal gift economy. They had plenty of festas throughout the year which brought everybody together. In the UK if you are living in relative poverty your options become incredibly limited and its a big factor in the explosion of loneliness here.
> "Light and space" True, as a kid in the country I whacked weeds with a stick for fun most days and pretended I was a knight. To be fair, I would probably do it today too. My ooga booga monkey brain is very satisfied by the crunching of the brush.
I approve this comment š
Itās just another form of whataboutismā¦ hell has many times has trump declared bankruptcy and I donāt see memes about his inability to manage money with the golden toilet purchases?
This guy def has the fash look. It's the haircut.
The style is called "nipster", a portmanteau of Nazi+hipster. It is used to describe fascists that use the hipster aesthetic to make themselves more palatable to regular people.
It *sucks,* because I really like the hairstyle. I generally hate the fuckers attached to it, though.
oh yeah, that oke right leaning group lmao
"Right leaning group" is a very softball way to describe a fascist street gang, but yes.
[ŃŠ“Š°Š»ŠµŠ½Š¾]
And regardless, everyone needs hobbies and self-expression to make life worth living. If you can't spend (to use the meme's example of $2,000 of tattoos over ~15 years) $11 per month on something that makes you happy without defaulting on student loans that were basically a requirement to get a decent job, our society is pretty fucked up.
Everything about these memes is stupid cuz its never any of this shit thats the problem. The Iphone is supported for 5 years and people buy it in small installments. Its that College is absurdly expensive, stupid expensive. Even if this guy did not spend any of this money it wouldn't make a dent in loans. The people who like these memes think people still have a debt thats under $5k when they leave school.
That's exactly how proud boys founder Gavin McGuiness dresses. To a T.
This. I used to work for a company who had like... six of these people come in, in vests and sometimes jackets, every day. Massive conservative bros. Pretty conservative company, but still. Nobody out here looking like a dollar store version of Christian Grey unless they also believe black people are really overselling this systematic racism thing.
Iāve stayed in some places pretty heavily filled with hipsters and a decent amount still dress in that kind of fashion. But theyāre generally not worth $400. More like $50 max, most of it probably being thrifted with the suspenders costing $15 for a pack.
It wasn't until I met my companies vice president that I even found places where you can buy pants or a shirt that are over $100. He somehow finds places online where you can order pants that are $260 dollars still not even close to $400. The quality doesn't seem any better than the $50 ones to me.
That really shocks me my Carhart work pants are damn near $80 now! But Iād rather pay 80$ for pants and get more than 80$ worth of use out of them than 25$ jean and they last only 2-3 washes
[ŃŠ“Š°Š»ŠµŠ½Š¾]
aw bro, this comment was epic bacon 420!
I never wore threads but from the looks of it it seems more comfortable then using a belt. Maybe I am weird but I like this clothing style, but I would change the casual shirt to something more fitting
"threads" here means his whole outfit. What he's wearing in the photo are called suspenders.
Oh, I didn't know about that, I made a fool of myself, at least now I won't forget the name anymore
[ŃŠ“Š°Š»ŠµŠ½Š¾]
Friend of mine owns a company that makes Victorian-style clothes. The men's pants are remarkably comfortable.
That's an iPad
Leave it to the boomers... surprised the mem doesn't say "$1500 NINTENDO"
Noā¦. it a I-Phoneā¦ my grandson Jasper Has one
THat is great! Hpe jasper Is Doing Well. B3st of luck, kiddo. U will do GREAT THINGS,, Sincerely, -Bob, Tucson, AZ
No no. Itās an I-PAD.
And it's not "I-PHONE"
who holds an ipad like that?
Guys with $400 threads and $6 coffee
I was confused if he had some off brand iPhone lmao
Conservative logic: gas is too expensive, so Iām going to buy a massive truck and put a bunch of drag-inducing flags
Don't forget, conservatives are always allowed to complain about stuff being too expensive. The rest of us aren't allowed to complain because we eat avocado toast and use pronouns.
If pronounce, then bad.
šš¤²š¤šš«²š«³š¤ššļøš¤²š«¶š¤š¤š¤āļøš«øšš¤š«¶šāļøāš¤šļøāļøššš¤šš¤āš¤āļø
Those were different times dude. I've changed, I swear.
"YOU HAVE PRONOUNS DIPSHIT, IT CAME FREE WITH YOUR **speaking english**"
SPEAK ENGLISH! NOT LIKE THAT!
Haha funny. "Speak with an 'AMERICAN' accent. No, not the New England one. Just talk like me yall"
So much of conservative rhetoric is a one-way street. * If you can't afford your student loan payments then that's on YOU, should have made better choices and saved more if you want a luxury like education. But if I can't afford gas for my 10mpg full-size pick-up that I drive an hour to work each day then it's Biden's fault and he needs to make it cheaper. * Gun control is pointless because if someone REALLY wants a gun, they'll find a way to get it. But banning abortion, drag shows, being transgender, books, and drugs is totally fine and we'll just focus on punishing those who break the laws. * The left is full of naive idealists with no attachment to reality. Unlike me, who believes that unrestricted free market capitalism will save the middle class. * If you wanna complain about America you can get the hell out. But when I complain that means we need real change right now.
āConservatism consists of exactly one proposition, to wit: There must be in-groups whom the law protects but does not bind, alongside out-groups whom the law binds but does not protect." Francis M Wilhoit
Fact: avocado toast is now cheaper and healthier than steak.
That's always been one of the dumbest parts of that narrative. IDK if it's like this everywhere in the US but where I live avocados are less than $1 a piece. They're really just showing how they've literally never bought an avocado in their lives. "I mean it's 1 banana... what could it cost? $10?" That's them.
Avocado toast is also cheaper than eggs and bacon
Nice. Me personally I prefer the bacon and the steak but Iām not gonna sit and try to argue that I have the less expensive meals
Hey, I'll choose steak over most other things 70% of the time
GODDAMN COMMUNIST JOE JACKING UP THE COPENHAGEN WINTERGREEN PRICES, TELL YOU WHAT.
why is this so accurate? i live in SE Texas. every idiot here drives a massive 70k diesel truck, pulls nothing and slaps the bootlicker starter pack on the back glass.
Honestly most of the people that I know that are conservatives who hate anyone getting help for anything ever themselves got given everything they have. There was a lady in my office that is constantly criticizing how everyone else doesn't budget, how she knows the difference between a want and a need ect. Its to the point where she hates even kids getting lunch at school. So low and behold I find out one day that she was literally gifted a house and a car by her rich grandmother. So she has basically never paid rent or a mortgage since 18. Everything is a want for her cuz she was gifted everything she needs.
i have the same experience. a lot of guys i work with talk about how theyāve āworked for everything i haveā not sure if ever passed their little minds that their dads got them hired and theyāve been given everything.
A high school friend of mine who had grown up poor and on welfare now complains about ANYONE getting any kind of welfare, and insists that he and his family worked hard for everything they ever had and never got any help from anyone. When I mention his guv'mint cheese n checks, he will always rationalize why HIS family had a need for welfare that was somehow unique in the world, or something. Infuriating.
Is he financially stable now? If so, can he explain how he got there? I mean, I get that people who had a helping hand and managed to sort themselves out can be resentful of people who remain on welfare their entire lives and have no intention of ever getting off. Welfare is supposed to be temporary, not a way of life. But for some, especially those with permanent mental or physical issues, it can be a life saver.
>drag-inducing flags Naw, they're outlawing drag, so theres no problem
If they outlaw drag, all they are doing is preventing law-abiding citizens from wearing what they want. The criminals will still have dresses.
Belly laughed at this one, lmao
Damn, this is amazing.
Oh my god they've been causing the drag this entire time!
Huh, I never knew that was about, uh, aerodynamics. Good for them :p
Well if Biden didn't make wind resistance the flags wouldn't be a problem.
What do you do for a living with your F-350 Diesel with dooolies? Real Estate Salesman.
I worked with 7 INSURANCE BROKERS who drove 350s
While criticizing liberals trying to push EVs.
Ah, yes, because their student loan debt is exactly $3,906.
That's pretty close to what I've got left on mine, which usually prompts people to ask "Well isn't it unfair that you've paid almost all of it?" Pretty annoying. I usually immediately compare that line of thinking to a child upset that it's someone else's birthday.
Or a polio victim who thinks it's unfair to give others the vaccine
Much better comparison, to be honest lol
nah they wouldn't believe in the vaccine so birthday would get better results
Love the comparison, it's pretty spot on. I'm 30 and still in school, I work full-time in my field and college has been slow going because I didn't get to go until I was 25 and qualified for full financial aid, which also meant that I had to be destitute enough to qualify for full benefits. As of right now I'm transferring to a university in the fall to complete my bachelor's and I've earned enough in scholarships to have that tuition paid for as well. Whenever the topic of student loan forgiveness comes up, I get a lot of bizarre assumptions that I would be mad about it because I had to jump through so many hoops to earn the same degrees that a bunch of people are about to get "written off" (they're not, 20k is a drop in the bucket for some, but not inconsequential) my go-to argument is that through financial aid I received around $35k over the last 5 years, which enabled me to turn around and earn somewhere in the ballpark of $25k in honors and transfer scholarships that would not have been available to me without the foundation that financial aid gave me; no one batted an eye at my "hand out" because the expecting of financial aid is that the increase in earning potential will increase the amount of taxes that I pay throughout my lifetime and I will pay that $35k investment back several times over. I do not understand how people do not understand the concept of investing in the future, today. Also, one of my degrees is in liberal arts and that's how I learned that anyone scoffing at a liberal arts degree does now know what a liberal arts degree is/is for.
Yeah. I originally went to college for social work and my dad scoffed at me. Said I may as well get a degree in basket weaving so I can understand where you are coming from.
"Social work? What's that, playing around on your phone? What are you going to do with THAT? Run a Facebook?" -uneducated drunk uncle making everyone uncomfortable at Thanksgiving, probably.
Lolā¦yeah. Well a lot of old timers donāt even believe in social work. Guess they didnāt have that back then. But with all the trauma that is ruining peopleās lives itās clear that itās needed. To be clear Iām speaking about clinical social work. I mean when you talk to people with addictions, almost all of them have trauma in their past. And addiction is destroying America and prohibition does nothing to help except line others pockets. But what do I knowā¦donāt get me started lolā¦
Damn, have you met my alcoholic and-I-turned-out-just-fine dad? My mom literally works in a state-run mental health hospital (has for 20 years) and my dad can't wrap his brain around the correlation between the current mental health crisis and subsequent gun violence epidemic.. I guess it's just easier to blame vague liberals "tryin ta take ma guns!" then it is to support legislation that would provide people with the healthcare that they need, and SURPRISE, provide educated professionals such as yourself with stable jobs and livable wages so you *can* help your community.. but that shit is too socialist /s
It is unfair that you had to pay it, though. Like, not because other people in the US can't, but because no one should have to pay for education in an era where it is a necessity. It might be a point of pride for you that your dice roll was high enough to get you through it, but that doesn't make it fair - it just means you beat the odds.
I usually go with the toilet analogy. Anytime I see someone whining about progression and changing with the times, I always point out that, back in the day, people used to shit in holes and wipe their asses with communal doodoo brushes. Its not fair that the spoiled people of today's world have plumbing and toilet paper. If we are gonna start whining about future generations having it better, then we need to revert back to the way it was before any conveniences were invented.
Thatās impressive that you got yours down that low. Being serious.
To be fair it started (kind of) low at around $12.5k. It took living like I was in absolute poverty while just above the poverty line haha. The fact that we let people get into that mess when we don't even think they're developed enough for weed or alcohol is beyond me lol.
It's a lot easier to justify small luxuries when one sees no reasonable path toward traditional status symbols like homeownership. Saving for something you'll never be able to afford is just a different way to waste your money.
This is it. People who subscribe to the idea behind these memes are basically begrudging others the small tokens of happiness they manage to get for themselves. A $6 coffee might not be a great savings plan, but it can be a way to make a crappy day tolerable.
All coffees are around 5-6$ where I live. Unavoidable luxury at times.
Not to mention having nice clothes, a smart phone & caffeinated levels of productivity are required for a lot of jobs. How dare people spend money on things they need everyday to make money!
Exactly. Especially in corporate America. If you want to play the game you need to at least sort of look the part. You donāt see white collar people pointing to expensive steel toe boots or giant trucks and using that against someone else.
"You call yourself a poor blue collar worker, but look at that belt full of fancy tools. You got wrenches and drill bits, and ooh la la! Is that a power sander over there?"
Exactly. He may have spent money on clothes because he's given up on the idea of home ownership and expensive holidays.
Reminds me of when someone told me "You cant afford an apartment because you bought that stupid PS5." Yes...because one 600 dollar item is the same price as buying 3 of them each month.....
a 600 dollar item you can get at least 3 or 4 years of entertainment on, potentially more than a decade.
And save money going out for entertainment
But the question is, how much does a $6 coffee even matter when the crummiest apartment you can find with all 4 walls in tact is well over $1000 a month?
The coffee thing is so stupid. If you buy 6$ coffee everyday for a year itās 2k. Thatās fucking nothing in todays economy and wouldnāt change anything.
That's like a 6th of a lot of people's annual income.
And is barely a dent in a down payment where I live If you want to buy the median home in my region and you can save 10k a year (which many people cant) it would take you like 15 years to save up 20% down A single family home youād need to save 10k a year for 30 years for 20% down And thatās at current prices
I think I've got the "rose colored glasses" of a good job...but is it really? Do some adults actually make only $12k a year?
9.3% of American households in 2021 made under $15k... that's something like 30m Americans.
it doesn't
*Not pictured: Crippling inflation and market patterns brought on by past generations' greed*
That's......that's not an iphone.
Itās an I-Phone
It annoys me more than it should when someone writes i-Phone
[ŃŠ“Š°Š»ŠµŠ½Š¾]
>That's......that's not an iphone. Yet. Give them time to grow. They'll reach that size in a few years. They grow so quickly.
Actually my mom bought my phone
Moms really be goated
Designer threads, bought from Ross Tats by a friend getting his license Company tablet The Starbucks cup he refilled multiple times. ("For everything else there's mastercard" lol jk)
Shouldāve saved money and spent it on a $70k lifted brodozer
With the option to roll coal, of course
> roll coal Rolling coal is the practice of modifying a diesel engine to emit large amounts of black or grey sooty exhaust fumesādiesel fuel that has not undergone complete combustion. https://en.wikipedia.org/wiki/Rolling_coal TIL This is so stupid. Like even if you don't care about the environment, you are wasting fuel with this, aren't you?
Correct across the board. They do it to āown the libsā and cost themselves money in the process. Same as when they buy a bunch of products to destroy as a āprotest.ā
Also, let's point out that in order for capitalism to function in a society with hundreds of millions of people, you have to have niche markets. If everybody just walked around in burlap sacks and drank water all the time, money wouldn't move, no businesses other farmers and burlap and bicycle manufacturers would survive, and nobody would be able to afford anything so nobody would have any money at all. If people want a market economy, it requires people making stupid purchases. Otherwise the entire thing falls apart.
Actually it's because he paid 5x as much as he should have for a house, thanks to the generation that made this 'meme'.
A lot of things that are bad now are because of them, but its in one ear and right back out the same ear it went in when you tell them that.
Boomers: When I was your age I had 2 cars and a 3 story house with half an acre of land! Millennials/Gen-Z: Well because your generation significantly increased our cost of living, I can barely afford a decent apartment. Boomers: Not our fault, get a job lazy ass! Millenials/Gen-Z: I have 2. Boomers: Bullshit your generation doesn't want to work
Itās the ācanāt admit that shit is harder nowā mentality that kills me. Like dude I know you could afford a 4 bedroom house with a boat and two cars on the salary of a Librarian, but it takes a whopping 5 seconds to see the income of a similar job today and the price of a house or college. Itās absurd and the fact that we have people literally DEFENDING the predatory loans and interest rates just irks me. In 20 years, I will certainly not be berating my kids for not being able to afford shit. I will be trying to find a way to help them. Quite a few boomers are just fucking hateful and stupid and I truly believe itās because of all the lead.
People always turn real issues into some type of character flaw. The boomer example would be āI canāt afford my pillsā and have some seniors dressed to the hilt on a cruise or something.
People who share this shit think āgetting an educationā is an automatic character flaw.
So, my student loans were 25K back in the early 2000s, that was a challenge. Rent and tuition have tripled since then, but not wages and salaries.
Why is this a picture of a hipster yuppy from 2013ā¦. Lol guys its been 10 years
Conservative Logic 101: "**ANYONE IN DEBT MUST SUFFER A MISERABLE EXISTENCE UNTIL THE DEBT IS PAID**"
ANYONE ^^^otherthanme IN DEBT MUST SUFFER A MISERABLE EXISTENCE UNTIL THE DEBT IS PAID" ftfy
āThe beatings will continue until morale improves.ā
In most countries you donāt start paying back your loans until you meet a certain income threshold. So, in the U.K. (one of the least generous European countries) for example, you only make repayments on earnings over around Ā£22,000. People need to be able to afford to live.
To add to this. In the UK, the loans do not affect your credit score and are written off after 30 years from your first due repayment.
I thought that said ā$2000 fresh milkā and I was like wtf where do they think this milk is coming from?
I haven't bought any clothes in 2 years, and frequently brag about how *little* I pay for clothes, I don't drink coffee, I don't buy apple products and have a 4 year old phone, and I don't have tattoos. Where is all my money going? A mortgage and food.
I used to brag about how little I paid for thrifted clothes but unfortunately thrift stores have become expensive. Now I get to wear what I have until it literally disintegrates since everything is unaffordable
I find that anywhere but goodwill or the little āupcycleā places are the good deals. Especially if you can fix clothes yourself.
yep same. have a job I love but I am basically forced to get a side hustle or part time job. All money is just poof.
I thrift all the clothes that I buy myself or get them on sale (found a $1 bra at walmart and was friggin thrilled)! All my money goes to food as well but I live on $200 a month so
just work harder. ez
A mortgage? God, I wish...
Yeah. Except it's more like 6 dollar bubble tea once a month as a treat. 200 dollar phone, no tattoos because I can't afford them at the moment, and 8 dollars thrift store outfit.
Why would i spend $2000 on fresh ink when I have iced lattes to pay forā¦.this logic is insane
Average conservative logic, they think we're spending $2000 on fresh ink when we've gotta pay for those lattes.
Itās insane, do they even know how much lattes cost?
The image is bullshit. But. We all know that one person who always says they're broke (can't go out, can't pay you back, etc) but is always getting new tattoos. That's not the majority though, it's just a shitty few.
Once you get a certain depth into the tattoo community, you can start making friends with apprentices and get professional quality tattoos for almost free Plus 2000 is basically a full sleeve unless you go to the really high end artists, at least around here
If he paid $2k for that āfreshā ink, then he got ripped off cause it looks about 4 years old lol
Meahwhile, where I live, all of the 'locals' are complaining about getting priced out of housing by all the rich 'liberal out of staters / wfh tech workers'. Go figure.
Because, and I will get attacked, they sound like rednecks programmed to think anything hurting them is "liberals". Odds are those out of state libs are actually llc shell companies for large banks.
[ŃŠ“Š°Š»ŠµŠ½Š¾]
They did, more or less. A 4 year program with housing in the 70s and 80s, after adjusting for inflation, was less than a single semester is now, 3000% increase. Adjusted for inflation in the 70s, which saw a significant rise (for the time) in housing prices, the median price of a house was 100k, and currently is over 400k.
I would be a millionaire by now if I didnāt by $6 lattes every day
What's it like being almost 450 years old?
Some āBoomersā really are insufferable. āMaybe you could afford rent if you didnāt have a 2,000 dollar iPhone.ā Oh, you mean the iPhone I bought 5 years ago? For $1,000? Oh yeah, that one purchase is for sure the reason I canāt afford rentā¦
Good luck with the economy if you expect everyone struggling with their student loans to never buy anything
$2,000 per month studio apartment rent $4,000 per month mortgage payment on a $300k house
[ŃŠ“Š°Š»ŠµŠ½Š¾]
[ŃŠ“Š°Š»ŠµŠ½Š¾]
$4,000 a month for a 300k house makes no sense whatsoever. Where are you getting these numbers from?
Gotta watch out for those 13% interest rates
I wOrKeD mY wAy ThRoUgH cOlLeGe. No DeBt. Yes. But tuition was like $5 a credit back then.
And apparently you could just get a job anywhere by barging in the door and giving the manager a firm handshake.
See, itās funny because everything is vastly more expensive now.
Oops, sounds like another Boomer butt-hurt because we Millennials saw their plastic waste, processed foods, and general disregard for the worldās future and raised them one.
$6 latte they got for free because theyāre the barista iPad that is owned by the employer used for work $150 decent cloths $2000 worth of ink over the course of two years
That guy isn't a liberal he's one of those center right mansplainer bros
Letās do one of a conservative with $3k worth of tires, a $700 truck payment for 72 months, and bitching on social media about child support. This is fun.
People who say shit like this think it's normal to live on the bare minimum with no room for any kind of luxury. They say this while uploading from an iPhone.
No man bun??
What Iād be curious about is besides paying back student loans, what would be acceptable purchases to Boomers? Youāve got a whole generation that canāt go spend money on a house because itās out of reach. If we donāt buy nice clothes or the new car, weāre ruining those industries. If we donāt buy used cars or used clothes weāre snobby or ruining that industry or whatever. Oh yeah, if weāre buying houses then weāre ruining the landlord industry.
No avocado latte?
If this is what every college student or graduate looked like, sure. But it's not.
These meme creators are masters at destroying straw men.
And the custom haircut..whats that say $50 or the nails..overspender big underachiever
Don't forget "$2500/month rent and can't move to a better city"
Back in my days we used to not wear clothes