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Forum ยป 40% of Americans can't cover a $400 emergency expense
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Thread: 40% of Americans can't cover a $400 emergency expense

post 1552151351 05-23-2018, 11:42 AM
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Originally Posted By Aesthetical⏩
I listen every day during my lunch hour while I eat and walk in the park.
Very inspiring podcast.
Interdasting. I might have to check it out.
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post 1552151431 05-23-2018, 11:43 AM
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Originally Posted By Griggz⏩
I had no idea how rich the typical miscer was.
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post 1552151591 05-23-2018, 11:47 AM
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Son there are over 11 millionaires in the USA. In your country that would be 1 out of every 13 people.

Yeah so we have a lot of rif raf peasants immigrating to this country who are here to do nothing but try to rape it. We understand this. Still, rich af

smack it son
post 1552151771 05-23-2018, 11:50 AM
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#124
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Originally Posted By devin45k⏩
Interdasting. I might have to check it out.
Its pretty simple chit honestly. It kills time though and its definitely motivating
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post 1552151821 05-23-2018, 11:51 AM
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Originally Posted By arn710⏩
Its pretty simple chit honestly. It kills time though and its definitely motivating
Sometimes that's all you need.

Personally, don't really have a "budget" just make sensible decisions daily, contribute to a 401K, and track all of my accounts. But that tracking keeps me paying attention and constantly thinking "do i need to buy this."
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post 1552151891 05-23-2018, 11:51 AM
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Originally Posted By RyanT7⏩
At the same time, we need to actually gain an understanding of how they actually chose the sample. Iirc we are only told it was a sample of 12k ? ( which is a pissening figure to make a judgement of "40% of Americans" ), and what kind of area we were collecting data from etc. This has a HUGE impact on the statistic that we gain at the end

edit : This post was more about the fact that people are taking this % and applying it USA as a whole
Originally Posted By twovalvekid⏩
This too. Honestly, i read the first sentence, saw it was more of a "hey, can you afford a $400 emergency?," and it was more of a questioning poll, i checked out.
This poll combined with other stats/polls indicate that people do not save or have liquid assets on hand as a norm. Doesn't matter how they asked or what they asked because in aggregate with other data, the indication is there.
Chaos and apocalypse on us all
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post 1552153011 05-23-2018, 12:06 PM
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#127
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Originally Posted By propreffered7⏩
Imma call bs

Job at 14.
Not making over minimum wage
Definitely not 40 hours

So youre making what 1 to 200 a week?

By 18 labor laws are different and you can work 40 hours a week. Where did you work here?

Even if you go to community college youre looking at 20k a year for a state college for junior and senior year. So, 40k..and you would have used all of what you saved up

So, youre at 0 in the bank and most likely a new job. Or maybe not a new job.. But only way i see that is if you live with your parents. But you still prob dont have enough for a house

Also, lets be real.. Poor homes are very tumultuous. You think poor people are really happy go lucky? Which would affect grades throughout all of that

Not saying your story is not doable but im sensing some padding youre prob not going into
You can believe whatever you want. I had a part time job at 14 and worked that until I went to college. To put myself through college I joined the military for GI bill and also busted my ass and wound up getting a full scholarship. None of that was given to me, nor did I have to "get lucky". It's just a matter of hard work.

Engineering degree + being smart with money and house is paid off.

I'm not going to go into detail of every $$ inflow and outflow I ever had just to prove to you it can be done.
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post 1552153471 05-23-2018, 12:11 PM
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Originally Posted By VoxExMachina⏩
You can believe whatever you want. I had a part time job at 14 and worked that until I went to college. To put myself through college I joined the military for GI bill and also busted my ass and wound up getting a full scholarship. None of that was given to me, nor did I have to "get lucky". It's just a matter of hard work.

Engineering degree + being smart with money and house is paid off.

I'm not going to go into detail of every $$ inflow and outflow I ever had just to prove to you it can be done.
Im just saying. I worked minimum wage at 18 and worked with lots of kids that were 16

Those kids are your idealistic poor people; whom make poor decisions. But its no stretch to assume their parents are dikholes. Which means if theyre working theyre prob spending their money because their parents wont give it to them

Most of the kids at 16 spent every cent of the paycheck they had

A) they were dumb
B) life sucked (chitty job, tumultuous home)
C) they wanted an escape
post 1552153851 05-23-2018, 12:16 PM
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Originally Posted By AltarOfPlagues⏩
thanks breh, but you even suck at miscing, so you'll excuse me if i take your critique with a grain of salt
I can tell based on your bleak outlook on life
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post 1552153881 05-23-2018, 12:16 PM
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#130
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Originally Posted By propreffered7⏩
Im just saying. I worked minimum wage at 18 and worked with lots of kids that were 16

Those kids are your idealistic poor people; whom make poor decisions. But its no stretch to assume their parents are dikholes. Which means if theyre working theyre prob spending their money because their parents wont give it to them

Most of the kids at 16 spent every cent of the paycheck they had

A) they were dumb
B) life sucked (chitty job, tumultuous home)
C) they wanted an escape
Pretty sure itโ€™s already established that most people are not bright or financially responsible. That does not mean that itโ€™s right, also doesnโ€™t mean that it should be tolerated and expected. Expectations breed reality.
They said she's gone too far this time

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post 1552154261 05-23-2018, 12:21 PM
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#131
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Originally Posted By TrinnieBuu⏩
Pretty sure itโ€™s already established that most people are not bright or financially responsible. That does not mean that itโ€™s right, also doesnโ€™t mean that it should be tolerated and expected. Expectations breed reality.
Lmao you have some affiliation with vox huh?

Like i said, its also a good bet that if your parents are poor theyre prob an alcoholic or on drugs.. Which would compound the poorness + put you in the home around that (away from work)

At least, most of the people i knew whom were working at 16. Which seems to fit the mold

Inadequate parents ----> forcing kids to work

All im saying is there is more to the process

Also, not poor. And family definitely isnt poor. Just went through it
post 1552154381 05-23-2018, 12:22 PM
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Originally Posted By twovalvekid⏩
...
lemme come work for you daddy
post 1552154791 05-23-2018, 12:27 PM
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Originally Posted By VoxExMachina⏩
You can believe whatever you want. I had a part time job at 14 and worked that until I went to college. To put myself through college I joined the military for GI bill and also busted my ass and wound up getting a full scholarship. None of that was given to me, nor did I have to "get lucky". It's just a matter of hard work.

Engineering degree + being smart with money and house is paid off.

I'm not going to go into detail of every $$ inflow and outflow I ever had just to prove to you it can be done.
I believe because I've seen it play out like you described personally.
Originally Posted By propreffered7⏩
Im just saying. I worked minimum wage at 18 and worked with lots of kids that were 16

Those kids are your idealistic poor people; whom make poor decisions. But its no stretch to assume their parents are dikholes. Which means if theyre working theyre prob spending their money because their parents wont give it to them

Most of the kids at 16 spent every cent of the paycheck they had

A) they were dumb
B) life sucked (chitty job, tumultuous home)
C) they wanted an escape
You sound like you love making excuses for people. Parents won't give them money to spend? That's not a necessity to do well in school or creating goals and following through with them. I worked as a busboy at 14 and continued at least part-time 20-30 hours each year after turning 16.

Alcoholic dad? wtf that has to do with finishing your math homework
Chaos and apocalypse on us all
Let them burn to dust.

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post 1552155021 05-23-2018, 12:29 PM
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#134
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Originally Posted By propreffered7⏩
Lmao you have some affiliation with vox huh?

Like i said, its also a good bet that if your parents are poor theyre prob an alcoholic or on drugs.. Which would compound the poorness + put you in the home around that (away from work)

At least, most of the people i knew whom were working at 16. Which seems to fit the mold

Inadequate parents ----> forcing kids to work

All im saying is there is more to the process

Also, not poor. And family definitely isnt poor. Just went through it
I stare at his pecs every time I see his avi, mad?

In all seriousness, I think the culture of making excuses for your situation and accepting complacency needs to stop. Change can only happen if you reshape your expectations for yourself and for those around you. If you accept the status quo (which is in shambles), we as a society would never improve. Instead, identify problems, determine the appropriate actions to mitigate or prevent, then act.

Guarantee you sitting around making excuses for people wonโ€™t help them get out of their situation.
They said she's gone too far this time

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post 1552155401 05-23-2018, 12:35 PM
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#135
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Originally Posted By canonhope⏩
I believe because I've seen it play out like you described personally.



You sound like you love making excuses for people. Parents won't give them money to spend? That's not a necessity to do well in school or creating goals and following through with them. I worked as a busboy at 14 and continued at least part-time 20-30 hours each year after turning 16.

Alcoholic dad? wtf that has to do with finishing your math homework
Im not making excuses. Im just not downplaying the severity

It means you grow up in a tumultuous home. Doing math homework when mom and dad are fighting vs. When everything is fine is different

As i said. I worked minimum wage at 18. Didnt get money from parents. Parents didnt pay taxes so i couldnt get a loan

So i was 18 and looking at paying for college tuition. So, what do you do with low skills and looking at thousands in tuition? Legit, answer that question. What would you do? Youre not considered "independent" until your 24 for financial aid. So thats not an option

At 40 hours a week i made 250 dollars a week. I spent at least 40 in gas a week. So thats 210. 50 in groceries.. Leaving you with 160 as of right now

Phone bills
Utilities
Rent
Car
Car insurance
Clothes??

Luckily, i didnt have to pay rent. I wouldnt have been able to

But i went through that for 2 years. And it was fuken miserable

Luckily i grew up affluent. So i knew i had options. But for people who grew up that way? No chance

I found out just why poor people turn to criminal behavior. Or drugs or alcohol as i said
post 1552155491 05-23-2018, 12:36 PM
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I always have believed not to judge another until you have walked a mile in their shoes. I live check to check, but I still keep everything ahead and if something happens by the grace of God, I will handle it.
post 1552155501 05-23-2018, 12:37 PM
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Originally Posted By FrazettaSilke⏩
lemme come work for you daddy
I'm taking applications for a position on my staff....
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post 1552155641 05-23-2018, 12:39 PM
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#138
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Originally Posted By propreffered7⏩
Im just saying. I worked minimum wage at 18 and worked with lots of kids that were 16

Those kids are your idealistic poor people; whom make poor decisions. But its no stretch to assume their parents are dikholes. Which means if theyre working theyre prob spending their money because their parents wont give it to them

Most of the kids at 16 spent every cent of the paycheck they had

A) they were dumb
B) life sucked (chitty job, tumultuous home)
C) they wanted an escape
What you originally said was that I was lying. Now you're changing your premise to "poor people can't get ahead because they're dumb and make bad decisions".

Anyway, my original response was merely to illustrate that you don't have to "be lucky for 20 years" to get ahead if you weren't born into money. Plenty of people have come to this country with nothing and made something of themselves. As have people born into less than perfect circumstances.
โ˜  By reading this post, you have agreed to my negative reputation terms of service.
post 1552155991 05-23-2018, 12:42 PM
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Considering most americans believe that owning a mortgage on a home is somehow an "asset", yes I definitely believe the article.

The majority of people in this country aren't educated on basic finance or don't care. There's a reason we have by far the largest consumer market in the world. Our economy relies on dumb consumers who spend endlessly.
post 1552156011 05-23-2018, 12:43 PM
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#140
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Originally Posted By VoxExMachina⏩
What you originally said was that I was lying. Now you're changing your premise to "poor people can't get ahead because they're dumb and make bad decisions".

Anyway, my original response was merely to illustrate that you don't have to "be lucky for 20 years" to get ahead if you weren't born into money. Plenty of people have come to this country with nothing and made something of themselves. As have people born into less than perfect circumstances.
I just want to say that im not inherently calling poor people dumb

Its just likely they havent receieved the right education..
post 1552156101 05-23-2018, 12:44 PM
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Originally Posted By VoxExMachina⏩
What you originally said was that I was lying. Now you're changing your premise to "poor people can't get ahead because they're dumb and make bad decisions".

Anyway, my original response was merely to illustrate that you don't have to "be lucky for 20 years" to get ahead if you weren't born into money. Plenty of people have come to this country with nothing and made something of themselves. As have people born into less than perfect circumstances.
This. It just takes a little smarts and good discipline, and that doesn't mean never go on vacation and never spend money. I save a pretty decent amount for your average single guy, even with a roughly $600 a month loss on my house in Virginia I rent out (keeping for long term benefit, don't need the cashflow right now). If i could have that amount back every month for the last 5 years, i'd have a stupid amount of savings. Nowhere near on that ceo 10k/day. I see couples that make what i do, and in a lot of cases more, who seem to be broke constantly.
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post 1552156541 05-23-2018, 12:50 PM
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#142
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Originally Posted By propreffered7⏩
I just want to say that im not inherently calling poor people dumb

Its just likely they havent receieved the right education..
โ˜  By reading this post, you have agreed to my negative reputation terms of service.
post 1552157061 05-23-2018, 12:56 PM
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#143
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Originally Posted By VoxExMachina⏩
Right. Go a few posts up

At that job. "Raises" were given every 6 months for 25 cents

By the time i left i was making 8 an hour

I was also offered a "front end" managerial position - 10 an hour. But i didnt like the corporate environment AT ALL

Im just saying i dont think i would have made it had i not moved back home. I was able to join a union making decent money

And just lol @ thinking the employees busting their azz for 10 years at 7 an hour arent "ambitious". People think others just arent "ambitious" - nah there are far more extinuating circumstances. Most people have the same goals. Everybody wants to be rich
post 1552163691 05-23-2018, 02:03 PM
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#144
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Originally Posted By lucairv⏩
Considering most americans believe that owning a mortgage on a home is somehow an "asset", yes I definitely believe the article.

The majority of people in this country aren't educated on basic finance or don't care. There's a reason we have by far the largest consumer market in the world. Our economy relies on dumb consumers who spend endlessly.
lol, wut? Who believes a mortgage is an asset? The house you take the mortgage out on is an asset...
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post 1552164221 05-23-2018, 02:08 PM
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Originally Posted By SpeedCheeser⏩
lol, wut? Who believes a mortgage is an asset? The house you take the mortgage out on is an asset...
If you owe money on something, it certainly isn't an asset
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post 1552164481 05-23-2018, 02:11 PM
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#146
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Originally Posted By SonnySmack⏩
Son there are over 11 millionaires in the USA. In your country that would be 1 out of every 13 people.

Yeah so we have a lot of rif raf peasants immigrating to this country who are here to do nothing but try to rape it. We understand this. Still, rich af

smack it son
Surely thereโ€™s more than 11
post 1552164781 05-23-2018, 02:14 PM
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#147
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Originally Posted By VoxExMachina⏩
You don't have to "be lucky for 20 years".

My parents didn't have much money. I've had a job since I was 14, put myself through college and within a couple years of graduating I was financially secure enough that I could go for at least 6 months without employment. I bought my first house at age 25 and fully paid off my current house last year.

If you're not pretty financially secure by 30, you're doing it wrong.
What's your definition of financially secure? Like rich or comfortable or what?
post 1552165781 05-23-2018, 02:26 PM
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#148
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same people bragging about their net worth here are going to be complaining about a stock market crash that destroys their 401k
post 1552165961 05-23-2018, 02:29 PM
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#149
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In on typical misc money thread where everyone makes $100k off passive income and has $500k rainy day fund.
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post 1552166261 05-23-2018, 02:32 PM
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#150
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I am not surprised.

My co-workers blow all their money on over-priced sporting tickets and wasteful ****.
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