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why is it always someone elses fault that someone is broke?

why doesn't the person say "maybe i should manage my money better?" instead of "they need to raise the minimum wage." or "my job needs to pay a livable salary"

but you ordering bite squad everyday which i know personally is $30 a pop, or never buying groceries to cook at home instead you're eating out constantly

or having a new 2020 vehicle that you know you can't afford with your newest iphone you can't afford or you wouldn't be making payments on it

but you also refuse to get another job or any kind of certificate or certification or license that would make your pay increase go up because you don't want to invest money in that you would rather eat out everyday and buy weed

this is the epitome of millennial logik

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Adaydreambeliever · 56-60, F

Well, it's true that for some people it's all an excuse, however, I really don't buy that for most people it's as simple as that. For many there are predisposing factors and we really DON'T know their lives and it's not for us to pass judgement. For instance, not everyone has the ability to study and pass courses that might improve their job chances and so on.

DeluxedEdition · 26-30, F

When I was writing this I had a specific person in mind. My roommate at the time I think I had 2or 3 grand sitting in my savings. My Roomate was always broke and I always had left over money at the end of the month I might come home with a new espresso machine to be scoffed at “hm must be nice.” From him

One day I found a loose paper on the floor and it was a paystub of his. I was astonished because he actually made more than I did and had nothing to pay on, his truck was paid off, he was even eligible for food stamps and Medicaid which he had. But everyday he would order food to be delivered. I pay anywhere from $200-300 on groceries a month and I cook at home and I eat steak, fish, crab, shrimp every. Single. Night. With varying sides because I cook faithfully at home everyday

I don’t like to judge people’s financial situations because I come from a poor unbringing and people would ask why don’t I just do this or do that. And I never told them because I was too poor lol.

But that’s why I said this. Because one day I was tired of being broke all the time and I looked around and it seemed like everyone else was holding up just fine. So I took it upon myself to figure out how to manage my money better. No, there are no instructions for life or how to manage money or even how to be successful as an adult. So I took it into my own hands and educated myself on financial literacy by reading finance books. And I learned specific methods to save money effectively. I’m not going to lie without reading those books I had a lot of trouble myself

But at the Core of the matter I Really and truly I feel like it goes back to will power. The same reasons why Americans have overweight tendencies. It is normal in society to always be pushing us to buy buy buy even though we just ate they shove dessert in our face. So is the same with consumerism. Spend spend spend, until you’re broke.

But again that is still a personal choice

@Adaydreambeliever

Rolexeo · 26-30, M

People are really bad with money and I can't fathom how. I buy myself things pretty regularly and eat out and I'm fine. I don't make much, so what the fuck are these people buying?

DeluxedEdition · 26-30, F

@Rolexeo that’s exactly what I’m saying!

BixbySnyder · 46-50, M

Some people can't differentiate between wants and needs. They also haven't grasped the concept of delayed gratification.

Driver2 · M

Well to be honest I think my generation didn’t set a good example. In fact the millennial generation will be stuck with the bills they can never pay.
But that logic you describe is timeless unfortunately.

DeluxedEdition · 26-30, F

@Driver2 i think your generation did too much with the honorable mention everyone is a winner. created a bunch of entitled privileged little shits begging for handouts.

other than that i wasn't around to really be able to speak on this issue as accurately as i would like

can you elaborate on the bills that can't be paid?

Driver2 · M

@DeluxedEdition the national debt that we rung up. Mainly due to entitlements . It all went out of control . It’s not getting any better either with the whack jobs in charge now.

Driver2 · M

@DeluxedEdition and the big houses and expensive cars. Basically living way above your means . High credit card bills also , your children learn from what you do not what you say to do.
😉

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