https://old.reddit.com/r/FluentInFinance/comments/1fi9t1j/being_poor_is_expensive/
/h/peakpoors
HO_HO_HO_Manchin
I/WV
Official North Pole Government Account ☑️
2mo ago
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#301036
Official North Pole Government Account ☑️
2mo ago
(reddit.com)
792 thread views
#301036
Peakpoors cry 
about the peakpoor industrial complex 
charging them $11 
when they overdraft 
on Funkos and Fortnite microtransactions 
- 116
- 63
Top Poster of the Day:
PPchrisCHANDZincelHOMO
Current Registered Users: 28,707
I see the poors are pretending to be big wallet niggas again est. 2016
Hello, welcome to 'I see the poors are pretending to be big wallet gangstas again'
This hole exists as a safe space for refugees from the Facebook(MetaTM groups of the same name. Of which there have been several iterations. We mostly exist to poke fun at the state of living in poverty. While it oftentimes is unavoidable, we do aspire to not be meanspirited. Over the years we have co-opted the term 'Peak Poor' to being someone who exudes poverty, regardless of their actual net worth. Trump and Elon both exhibit the peak poor ethos from time to time while still being the top 0.000001%. You can do something peak poor and still be a good person or a generally adjusted one. We all have a bit of poor in us.
We basically fill a niche similar to fatpeoplehate with a bit less actual malice.
PeakPoor is shotgunning mountain dews at 5 years old.
PeakPoor is not people dying of poverty. While technically the greatest heights of poverty is succumbing to it this is not funny, and is a failure
of capitalism. We do not make fun of poverty to be mean spirited such as that.
Read the room, if it's punching down too hard or really digging into someone whos a sympathetic character it doesn't belong here. (basically READ THE ROOM)
Sitewide rules apply
other rules
Subscribe to this hole, it's important that we get our numbers up. Love numbers = peak poor
Bonus points for making your post title some variation of peak poor. (Pinnacle of Poverty, Prowess of the Penniless)
I am looking for a mod who will help me grow this place and encourage the facebook community where the majoryity of our members reside
to migrate. Contact me if interested.
I really do love you all so very much, i'm even spending drama coin to get some banners and marseys. thanks for being a part of the community.
/h/peakpoors SETTINGS /h/peakpoors LOG /h/peakpoors MODS /h/peakpoors EXILEES /h/peakpoors FOLLOWERS /h/peakpoors BLOCKERS
Current software version: 924efb6
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Online banks have overdraft protection and cash all of your checks for free? Better yet why arent you just using direct deposit?
Dont get arrested? Literally all of these are problems that only exist if you're an r-slur and have put 0 effort into learning how anything works.
Why would you even need a payday loan when credit cards exist?
I honestly dont get it. This is why I've stopped taking poors seriously. Every problem they have is self inflicted.
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I saw an ad for a payday loan of all things while I watching the Bears game yesterday, prime time Sunday evening national television and there's a full 40 second advert showing a guy needing cash to go to a fricking concert.
Something's very wrong.
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You can use Klarna to pay for your ubereats in installments :marseychonkerpoor:
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Paying for delivery of a cold burger and fries in four easy payments of $29.99.
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Poors and fats deserve nothing better tbqh
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If they're still offering 0% interest, it's worth it. Invest your $30 and pay it off later.
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I mean sure, but you're talking about 1-3 months of gains on 4 installments of $7 times however much delivery slop you order in a given month. Going through all that hassle to pick up pennies is /h/peakpoor behavior, and spending enough on consumable bullshit that you can actually benefit from BNPL services is also /h/peakpoor behavior.
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I pick up every penny I see and I'm verified rich.
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Youre also jewish
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But he NEEDS those tickets! He has major FOMO!
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Must... Not.... Updoot.... Pizza....
Because you have LITERALLY no credit because you have LITERALLY no money management skills because you have LITERALLY no thoughts.
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You can get a 500 dollar card with 0 credit lol
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maybe you can
put poor BIPOCS are systemitically disenfranchised or something
or they get theyselves blacklisted from banks for check fraud idk
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infinite money glitch
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I have seen people with zero credit use payday loan to build credit. Literally just borrow $1000, pay it back before the terms, but this is the exception not the rule.
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You can get a 500 dollar credit card on 0 credit though and build credit that way.
Youre still paying the fee to take out the payday loan.
Its insane.
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Paying your credit card off on time has very little impact on your credit score compared to a loan.
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Goyim do you legit just try to argue with everything, even to the point where youre claiming taking out payday loans for your credit is in any way defensible?
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Payday loans almost certainly do not report to credit agencies, so no, im not saying that. I'm saying getting a loan and paying it off will do more for your credit than getting a prepaid credit card that you pay off on time.
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Pretty sure they do report, and taking out a payday loan is r-slurred full stop.
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I never said anything about payday loans, r-slur.
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BIPOC the entire context of this was me responding to someone talking about payday loans.
How drunk are you?
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I agree, it's insanely stupid, but I've seen it done. The bank gave me one when I was 18 with a 250 limit. Now the points pay for my Christmas gifts.
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What's that, most wealth is generational and your parents were poor?
Everything bad that's happened is SOMEONE'S fault, even if it's your parents' or grandparents'.
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This has nothing to do with parents lol. America is an easy enough country to have a stable life as long as you arent an actual r-slur.
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A lot of people have a significant disadvantage to making money because their parents or grandparents were poor too.
I'm not saying this is an excuse: their parents should've tried harder.
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My point is even with no parents or poor parents you can make money in america if youre willing to work. You have to actually just be lazy to stay poor here.
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Maybe but I'm pretty sure most wealth is generational and I assume the people you're referring to that not only have the motivation but also the intelligence to lift themselves up out of poverty are probably 1 in 10000 or fewer (most people are poor, lazy AND r-slurred)
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once the fifth or sixth poorcel you've met squanders life changing money/opportunities you lose empathy
poorcels routinely:
fail to take offered scholarships
fall butt backwards into cash and waste it
take out gigantic predatory loans for worthless trash
immediately max out any and all credit
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This is unfortunately true.
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The top 1% or something, where the wealth is so large that they literally cant spend it all in their lifetime; and in the modern economy the best way to make money is to have money, so its easy to keep being rich.
But a middle clas,s decent, livable life isnt gated behind having middle class parents.
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I don't think you realize how much generational wealth applies to middle class too - the difference between your middle-class kid getting a STEM job or flipping burgers
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Is that a matter of generational wealth, or that successful people raise their children to be successful, too?
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Generational wealth is immediately squandered by the heir. Its only the dozen ultra wealthy families where it lasts because they had the foresight not to give everything to their heirs in a lump sum.
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"Generational wealth" doesn't just refer to millionaire kids. The ability to claw your way out of the middle or even lower-middle class can depend on if your parents saved up enough money to get you through a decent college.
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you say 'generational' but what
means has changed entirely in literally one generation
my grandparents and parents worked part time for they education (not that it did anything to help my parents were worse off than gparents)
I'd have to go into high 5 low 6 fig debt for the same education
literally just be smard (which has little to do with what or where you went to school considering all information is available at our fingertits for those willing to learn)
and industrious and you cn pull yourself out of anything.
I doubted that before I was employed too but
im workng blue collar now and to see just how r-slurred some of the people actually are who supposedly have decades of experience on me
I can alreaty tell
and some those guys are balling
it's all about being important and valuable. which a college degree is becoming less and less.
as more and more low IQs go further into debt and more BIPOCS get more free $$$
in my grandpadre's time only 7% of ppl gradjudated college
today its almost 38%
heck only 41% graduated HS then which 91% today do
we went to the moon with those numbers
so are ppl actually getting smarter? or are standards dropping?
is passing most of that bottom quintile that would have dropped out in any other time doing anything at all?
I'll find something else that'll put me in the top 7% but it aint college anymore
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So you don't understand what a check cashing place does? The bank puts a hold on your check until it clears, the check cashing place charges you a fee and gives you the rest immediately.
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Whats the hold on direct deposit?
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I cant say that I have, no.
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never pretended to be dead to save on taxes
never been an illegal immigrant in the 80s
never been 15 years behind on child support and traffic tickets
There are infinite reasons to not have ACH deposit for your check, youre just out of touch with real Americans
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Lmao
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Irrelevant? We're talking about people paid by check.
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Almost every if not every place of empmoyment offers direct deposit, cashing a check is a world basically nobody lives in unless by choice.
Even then a lot of places offer free check cashing up to 2k.
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Again, irrelevant.
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No it isnt lmao. The entire point was these are problems of their own making.
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Wrong. Even if you have a bank account, you may have to pay $4 fee to withdraw at the local ATM. You might as well pay the check cashing place, probably comes out the same.
I don't know why you keep insisting on getting dunked.
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What are you paying cash for that you need to use an atm lmao?
You know how many times ive needed cash or to even cash a check in my life? 0 times.
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Pizza may be a broken clock but this time, he's right. And I hate you all for making me write this.
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Believe it or not there are still businesses in TYOOL 2024 CY+9 that don't do direct deposit. They're almost exclusively tiny mom&pops that think they're out-jewing the banks by not paying the $1.50 for the direct deposit and instead spending an extra hour on payroll.
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What? If you borrow money there's interest? What is this scam?
( 
with chuds sneeding about usury)
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Probably because being a neet while living with Mom and only having allowance money is a shitty way to build a credit history
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Credit cards are literally free money if you're not completely r-slurred, so of course the vast majority of people treat them like the devil.
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Credit cards are free money. The bank gave me $30,000, I spent $35,000. All I had to pay them $25!
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I just max out every card and then throw it in the trash
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You dont need credit to rob a bank.
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What a weird place. Is it just unmoderated so it's getting overrun with memes and low effort ragebait?
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Yeah it's hilarious. It was set up as a sub for some wannabe finance bro's substack
, now it's a hub for bots who spam the same 4 tweets and redditors going "Yeah he's right u know!" Then you click their profile and it's all videogames and /r/antiwork
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/r/antiwork is still such a great place for finding grab bag depressing losers. Like they're all miserable dweebs, and half of them are just regular g*mers or porn addicts, but it's still pretty easy to find really interesting new phenotypes of loser just by clicking usernames in any random comment thread.
Like this guy is a prepper and german shepherd fancier
Or this one who enjoys Regular Car Reviews, r/therightcantmeme and–you can't make this shit up–small peepee humiliation
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I do like his content, but I can't remember the last time I watched one of his videos. Collector Car Feed is more my speed because I'm an r-slur. But yeah I love digging through redditors profiles. They're so shamelessly degenerate
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I don't have a strong opinion about regular car reviews, I just thought it's funny that the first three posts are car youtuber, impotent reddit whining, and lustposting for literal microwieners
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That is frickin hilarious
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Growing up we were poorcels among poorcels - I lived outdoors in a broken-down old leaky caravan rather than share a tiny room with my little brothers (they had bunks, I took the floor bc I was older... shit deal) and yet I found it easy to get out of poverty just by showing up to work every day and not overspending on dumb shit.
Now I have a paid off house and ~$100k in investments at 33 and I don't even earn a lot of money.
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Do you get people from your childhood begging for handouts?
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No, I moved away from my hometown and removed all the poorcels I used to live near from all socials. One of my friends from hs reached out to me after a prison term of 10 years but I was like 'sorry man, I'm overseas right now, talk later' and then proceeded to never talk to him again.
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Yep, I consider it my responsibility to avoid as many stupid fees as possible. Don't take out loans, don't get unnecessary insurance, prefer high deductable when I do...
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It's a predatory place that'll cash your paycheck for a fee. They're set up in low income neighborhoods where it's risky to open a bank. They kinda made sense in the day when you had to go to the bank and cash a check. With direct deposit and online banking there's really no reason to go to one unless you want to immediately cash your paycheck and buy totally legitimate merchandise with it.
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No. They're not there because it's risky to open a bank. They're there because the bank will wait for the check to clear before giving you the money and these people need the money now and are willing to pay for that.
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Do poors not know about reading the check to find the issuing bank and cashing it there?
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You assume every bank has a local branch. There are thousands of banks in America.
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I do a lot of walking
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You're not thinking
poor enough. These people can't get bank accounts because they've burned the bank before 
(see the Chase ATM glitch).
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Martin Luther King gave a speech in West Philadelphia in which he called for "Freedom Now," which is marked with a historical sign. I'm so sad that it closed, but right across the street from that sign used to be a check cashing place called "Currency Now."
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How is that predatory? I get how loans can be predatory, but check cashing for a fee in place where bank won't open? How's that predatory?
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They take a percentage of your check. Usually a few based on the check. Where they get you is they offer cash advances that are at like 350 - 500% interest. Anymore you can open a bank account from your phone and cash a check for free. You can even get high yield savings accounts that give you about 5% interest. You can even get high yield checking that pays about 1%.
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yeah they're 100% right about the things in that tweet. it's a dumb butt bullshit "business" and you fricking know it turbo BIPOC cute twinks
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Or live within your means and don't do crime.
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B-but people deserve to ENJOY THEMSELVES (buy drugs and gamble) sometimes (everyday), even poors!!!
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Just be sure to make up piss poor excuses about how it's not your fault and that everyone else is the bad guy for not supporting your habits.
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You dont even have to make up an excuse yourself, just use the good old 'capitalism and/or racism did this'.
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quod erat demonstrandum
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it's cool if it's not your thing, but don't yuck someone else's yum :)
Snapshots:
https://old.reddit.com/r/FluentInFinance/comments/1fi9t1j/being_poor_is_expensive/:
undelete.pullpush.io
ghostarchive.org
archive.org
archive.ph (click to archive)
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