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He means people do stupid things with small budgets that are horrible financial moves.
Don't buy a car you can't afford to maintain, don't buy a house beyond your means that will be expensive to maintain, don't put **** on credit cards you can't pay cash for.
Long story short, my BIL... I can't STANNNND his husband, My BIL he's alright, has no spine, but I love him. His spouse is the worst person I've ever met in my life...and I've met tons of awful people. I don't want to go into it but it's mind-blowing the things this person does... to all kinds of people in his life... it's just abhorrent.
They plan to get divorced because they have just a loveless marriage, the epitome of it. They're roommates basically. Apparently they've discussed it and from what I hear it's going to be "amicable" (if it ever even happens..I say it won't)... But I say and have always said to myself and spouse in private "No way Jose, it'll turn awful'" because of the 6 figure CC debt they have. Add that to lawyer fees and deciding who pays for what, who get stuck with this bill and that bill... Just, I don't envy their situation. And I've watched them for 13 years try to act like they have way more money than they do by charging everything. It's not even a race is the thing, they are up there in NY but down here our friends, we all have huge incomes and nobody is ever having a pissing contest, we don't care. We don't brag we don't show off, we just enjoy each other. It's just a given we all have enough money to take expensive, lavish vacations together. I gave my spouse an almost $5000 Tiffany watch for the 40th bday in private instead of in front of everyone at dinner, for the Bday dinner. That's just sort of how reserved we are with flashing money. Driving around a shiny R129 doesn't count, but I'm not trying to flash money I just like driving around a classic Mercedes. If anything it's the "That guy knows what's up with that as his car" that I like. It's a car guy thing as we know.
Their income is good, but they just have no money bc of debt. I couldn't IMAGINE how depressing that would be. I said from the start back before 6 figures (and it's not rocket science) that when our income jumps (and it did a few years ago and will continue to) we have to be mindful still of our spending habits, so many people make huge amounts of money yet are insanely overextended. There are people in mansions on the golf course a street or two over who probably have less money to spend, just less empty piling up cash checking account money than us I'm sure, just from them being so over-extended. While their incomes are way larger, we're talking 4M dollar homes.
I'm rambling... but just, live below your means. It'll pay off in spades, once you see some car you just have to have and can write a check for it...
He means people do stupid things with small budgets that are horrible financial moves.
Don't buy a car you can't afford to maintain, don't buy a house beyond your means that will be expensive to maintain, don't put **** on credit cards you can't pay cash for.
Long story short, my BIL... I can't STANNNND his husband, My BIL he's alright, has no spine, but I love him. His spouse is the worst person I've ever met in my life...and I've met tons of awful people. I don't want to go into it but it's mind-blowing the things this person does... to all kinds of people in his life... it's just abhorrent.
They plan to get divorced because they have just a loveless marriage, the epitome of it. They're roommates basically. Apparently they've discussed it and from what I hear it's going to be "amicable" (if it ever even happens..I say it won't)... But I say and have always said to myself and spouse in private "No way Jose, it'll turn awful'" because of the 6 figure CC debt they have. Add that to lawyer fees and deciding who pays for what, who get stuck with this bill and that bill... Just, I don't envy their situation. And I've watched them for 13 years try to act like they have way more money than they do by charging everything. It's not even a race is the thing, they are up there in NY but down here our friends, we all have huge incomes and nobody is ever having a pissing contest, we don't care. We don't brag we don't show off, we just enjoy each other. It's just a given we all have enough money to take expensive, lavish vacations together. I gave my spouse an almost $5000 Tiffany watch for the 40th bday in private instead of in front of everyone at dinner, for the Bday dinner. That's just sort of how reserved we are with flashing money. Driving around a shiny R129 doesn't count, but I'm not trying to flash money I just like driving around a classic Mercedes. If anything it's the "That guy knows what's up with that as his car" that I like. It's a car guy thing as we know.
Their income is good, but they just have no money bc of debt. I couldn't IMAGINE how depressing that would be. I said from the start (and it's not rocket science) that when our income jumps (and it did a few years ago and will continue to) we have to be mindful still of our spending habits, so many people make huge amounts of money yet are insanely overextended. There are people in mansions on the golf course a street or two over who probably have less money to spend, just less empty piling up cash checking account money than us I'm sure, just from them being so over-extended. While their incomes are way larger, we're talking 4M dollar homes.
I'm rambling... but just, live below your means. It'll pay off in spades.
That's a **** situation. Hopefully it somehow gets better for them....
That type of situation, even not that scale is exactly what I'm talking about. Even people who go to college for useless degrees or even ones that they just never use are prime examples of stupid decisions
That's a **** situation. Hopefully it somehow gets better for them....
That type of situation, even not that scale is exactly what I'm talking about. Even people who go to college for useless degrees or even ones that they just never use are prime examples of stupid decisions
Oh I didn't mean to ramble, but that's how stupid people are. And this person is so evil and jealous because unlike him, and his spouse's twin, we actually have a wonderful marriage and have been wayyyy smarter with money over the years.. He's tried to ruin, or seriously tried to **** with my (11 year) marriage by making up completely false stories about my spouse's parents, among other things. Trying to guilt trip my spouse by making up bold faced lies saying his parents are desperate and need his help, need him to get up there, etc. etc. 800 miles away. It's ******* unbelievable, I can't go up there for a while bc I don't want to catch an assault charge if I see him. Spouse's parents are FINE. They're doing great actually. It was all lies just to **** with my spouse and make him feel horrible. Not to mention how it might make me feel, in the middle of these back crises, so insanely concerned about my spouse over lies that weren't even true. Thanks a lot dude for all the MAJOR pain and suffering you have caused a person you're supposed to love and respect, or at least respect. And the spouse's husband for god's sake going through their own major life **** health issues.
People are so awful it's just stunning.
Useless degrees, you're not wrong. But even with a not great major, a degree from a good university shows hiring people you accomplished something hard. Even if it wasn't an Engineering or Chem major.
Half is under median by definition......for the rest look no further than average savings vs people who are driving new cars.
If you have less than $1000 you probably shouldn't be getting a new car with payments averaging well over $800 a month
You said that more than half of those people have bad habits and make bad decisions that hurt them. Source...please.
The reality is most people just live their lives with integrity and try and make ends meet, and when you have limited income and one of your major expenses increases 50% in a month...thats a problem.
You said that more than half of those people have bad habits and make bad decisions that hurt them. Source...please.
The reality is most people just live their lives with integrity and try and make ends meet, and when you have limited income and one of your major expenses increases 50% in a month...thats a problem.
No they don't. Most people do not think past rent that coming month as evidenced by the insane amount of people of the millennial generation onwards who have no retirements etc.
I'm not talking about the boomers or gen X who make up the half that is doing well
Last edited by Striker223; Apr 19, 2026 at 03:34 PM.
Yes, they do. Like I said you clearly have very little experience with normal, everyday people who have median and below income. They're just people like you and me by and large.
Tick down. In other news, my local hyundai dealership has been having more ev test drives, lowering their ev only car lot, and a couple of evs with big signage that says "no gas needed to drive".
I guess this was the stimulus pack ev dealers with old stock needed?
You said that more than half of those people have bad habits and make bad decisions that hurt them. Source...please.
The reality is most people just live their lives with integrity and try and make ends meet, and when you have limited income and one of your major expenses increases 50% in a month...thats a problem.
I don't know who said it, but it is expensive to be poor. Interest rate on debt, wasting money on rent vs building equity owning, overdraft fees, etc.
When it comes to cars, the wealthier can benefit from EV perks such as subsidized pricing, tax breaks, cheaper charging vs gas, access to HOV lanes. Meanwhile the poor absorb higher gas prices, and major increases that are built into car prices due to insane regulations, unrealistic ev mandates, carbon credits, and overall inflation.
I don't know who said it, but it is expensive to be poor. Interest rate on debt, wasting money on rent vs building equity owning, overdraft fees, etc.
When it comes to cars, the wealthier can benefit from EV perks such as subsidized pricing, tax breaks, cheaper charging vs gas, access to HOV lanes. Meanwhile the poor absorb higher gas prices, and major increases that are built into car prices due to insane regulations, unrealistic ev mandates, carbon credits, and overall inflation.
Yep, expensive to be poor. This economy is great for people with money, very hard on median earners and below...
Tick down. In other news, my local hyundai dealership has been having more ev test drives, lowering their ev only car lot, and a couple of evs with big signage that says "no gas needed to drive".
I guess this was the stimulus pack ev dealers with old stock needed?
Can't find EVs on lots around here, all the incentives have evaporated too.
I haven't seen any uptick in EVs but if I do I'll report.
This isn't forever, people... It will go back down. I don't like the high prices either but rushing to dump gas cars is very foolish IMO unless you wanted an EV anyway.
I haven't seen any uptick in EVs but if I do I'll report.
This isn't forever, people... It will go back down. I don't like the high prices either but rushing to dump gas cars is very foolish IMO unless you wanted an EV anyway.
True but depends case to case. Some of it is panic short sighted/itch to trade, and others might be folks who were planning on trading in it, and just accelerated their timelines due to increased fixed costs.
