As always, nothing makes !peakpoors seethe harder than telling them to live within their means. 
This post reeks of privilege portraying itself as advice. [+65]
Explain [-10]
It just seems like someone who didn't work a job til after college, had their entire expenses paid for and had their parents help them with a down payment on their house preaching about finance, it's hysterical.
Majority of the case, your finances are an indicator of your upbringing. It's not the rule, but usually in the case I mentioned, that person didn't do anything special, they just had parents who helped them out. But because they did well, they want to convince themselves that they're just more responsible. Especially with the last gripe of “don't live on govt/others”, it's pretty clear you're incapable of considering any case where you do need to rely on government/others.
My parents have both been on disability since I was 16. My mom has had 2 strokes, and my dad had a really bad work injury and suffered moderate brain damage. Both of them are now incapable of working. So what do you consider they do for income instead? [+35]
1st gen cuban american. I've worked since I was 14 and my parents only gave me food and shelter. I paid my own way through college and bought my own house at 23 (funding the down payment myself).
I'm glad your disabled parents had govt/taxpayer support. Obviously disabilities might require some form of govt assistance, which is why those programs exist. My advice remains, whether one is disabled or not. Live below your means, work more/harder (as much and as hard as your mind/body can) to provide for yourself and your loved ones to the best of your ability.
Haters gonna hate. Whiners gonna whine. I prefer to suck it up and improve my lot no matter my circumstances nor my limitations. [-20]
This is just self righteous, mental masturbation. Just put it in your journal next time.
Personal responsibility is a dirty word on Reddit
Spoken like a nepo-baby who got a "small loan of a million dollars" handed to them.
This isn't educational, it's abundantly ignorant to the reality that much of the population is facing.
We have hundreds of thousands dying in poverty. They are not "living above their means" and people who rely on the government don't have a choice. This idea that it's "optional" would be hilarious if people weren't actively dying because they are unable to afford basic necessities for survival.
We need to be expanding these programs right now because the current state of poverty in the US is unacceptable and it's been getting much worse with inflation.
In that article you posted they didn't talk about how poverty is actually killing people, they just kept saying that it kills and says it's the 4th leading cause of death but yet accidents are the the 4th highest.
Jump in the discussion.
No email address required.
I don't understand needing entire subreddits dedicated to personal finance. It's literally basic arithmetic and if you can't afford your current lifestyle you make changes. Sure, it's cool to read up on some frugal savings tips, but you can do that in one afternoon and be done.
Jump in the discussion.
No email address required.
That sub exists to trash people who tell you that being 5% less r-slurred leads to 20% better outcome.
Jump in the discussion.
No email address required.
More options
Context
This subreddit has literally nothing to do with personal finance, look at the top posts of last week its all sneeding about rich people and America and capitalism.
But yeah its not that hard if you only have one bank account: does the number go up over time or do you have a problem.
And tbh once you get into complex stuff reddit is useless anyways. Who in their right mind would take advice from redditors?
Jump in the discussion.
No email address required.
Other redditors.
Jump in the discussion.
No email address required.
It's like getting social advice from stack exchange.
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
The subreddit should just be a link to a balance sheet with little highlighted sections saying "enter your info here".
They'd get more out of it than arguing about it.
Jump in the discussion.
No email address required.
More options
Context
That particular sub is basically a leftoid poorstrag
sub. Half the top posts are twitter screenshots from braindead econ populists.
Jump in the discussion.
No email address required.
I hate that shirt Robert Reich cute twink
Jump in the discussion.
No email address required.
More options
Context
More options
Context
There are strategies like FI/RE that are worth digging into. I would if I wasn't a brainlet. But devising a plot for early retirement is a good thing and it certainly can't be done overnight.
Jump in the discussion.
No email address required.
FI/RE is basically mortgaging your entire youth, living like a third worlder, to pay for when you're old and shi-ting your bed, and your average person doing extreme financial frugality like that is going to burn out. Almost no woman will go along with that shit either, you will be expected to waste $50 on bacon and eggs once a week with her family.
Jump in the discussion.
No email address required.
FI/RE isn't mortgaging your youth if you're not a disgusting poor. I still have fun but limit my vaca spending to like $15k a year so stay on track to retire by late 40s
Jump in the discussion.
No email address required.
If you've got a good wage then what is there to even read up on? It's just common sense and what should come naturally.
Jump in the discussion.
No email address required.
I know a lot of ppl that have a household income of 250+ and don't even max their 401k and have never heard of a roth IRA
Jump in the discussion.
No email address required.
Look, casinos, lotteries, scammers and consumer goods companies need to make a living too!
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
More options
Context
not really, it's more like "get a high paying job but don't spend six figures annually on dumb bullshit".
Jump in the discussion.
No email address required.
More options
Context
What bacon and eggs ar you buyinh
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
More options
Context