No drama, just laughing at poors.

OP

I make $60k a year before tax, have no kids, no mortgage, no debt. I rent and don't own a car. I don't know how anyone with any of those things and makes the same or less than me survives. I'm sick of food costs being outrageous. Not fancy foods or organic foods, just regular brand name, basic foods. I'm tired of take-aways being $20-25 for basic greasy asian food, Turkish food, etc. I think it's less of a discussion and more of a rant, but what are you guys sick and tired of?

For reference, median income in NZ is 56k NZD, which is about 33k USD. So this moron is making just above 35k USD.

I get about 25k a year but grew up on less. It's shit but you do actually adjust eventually. Rice really is a great staple food, brown rice is better than white and from there just add other- less greasy- things to it.

I'd take up crime rather than live like this.

When are we going to riot already. We learned about all these other cultures in social studies that rioted and stormed the streets while the leaders ate cake throughout history.
So...when are we gonna riot?

These cute twinks can't even do an successful online boycott.

My wife and I with a young daughter are on under $70k a year and find things pretty comfortable. We buy a lot of organic food, eat out occasionally and haven't been struggling.

Wow where the heck do you live in nz for all that

The people who are responding to you saying ‘60k should be fine!' do not live in Auckland.

Auckland is their most expensive city. This would be like someone in Manhattan (median income $52k $67k) complaining about being unable to survive without roommates on $55k salary. It's doable, but it's not fun.

I'm honestly not sure how you'd be struggling that hard unless you are living somewhere with outrageous rent?

Finally, someone asks the real question.

They choose to rent alone (which I totally get after enough bad experiences), that's usually 400+ mark depending on location and what you're willing to accept.

We've likely got a hustle and bustle OP.

Yea i think it's a bit sus, I've been in OPs position albeit a few years ago during the beginning of covid but had 1 car with 385 p week rent. I didn't struggle at all. I would love to see their true expenses. Most often they're spending a lot more than they realize...

Sick and tired of people complaining about food costs and then eating takeaways?

Are poor people never allowed to eat takeaways now?

Lol no. If you're poor, first work on not being poor.

So every week you have $500 a week left. I wouldn't say you are on your way to buy a house any time soon but I fail to see how you are feeling poor despite the high food cost.

A does some math and calls out OP.

That's so much incorrect assumption I don't even know where to begin to correct it

Then correct me because half of this thread is wondering why you have no money

Yea i call bullshit on OP, they're doing something to spend that excess.

I hate to say this but some poor people are bad with money. Even if you got 100k you would still find you dont have enough, do some budgeting man. You wont regret it. Also poor people cant afford 25 dollar takeout a night man. It just means you are not budgeting well.

This ruffled some feathers.

So, yeah, the rest of the thread is a mix of sad stories, doubting OP's story, and telling him to git gud.

I was only half-paying attention with this in the background until he started sounding sus so this first chunk is vague recollections:

2 years experience and got fired

• Reason not mentioned

• Was making 75k (pre-tax)

Last 6 months coasting on unemployment and allegedly applying for dev jobs with no success

Has not adjusted his spending down

Around 70'000 in student loans? Not sure I heard this right.

I think he mentioned a degree in Information Sciences and no certifications? Not sure I heard that right.

Massive doordash spending

Car loan near the end, didn't catch this one

Spending bigly on vapes (nicotine)

Took out his retirement (10k) when he got fired? Apparently getting fired lets him avoid the fees for doing that?

Credit card debt

• 1000 a month just making his credit card payments?

$1700 rent utilities not included

• thinking about moving back home if he doesn't get a software engineering job before his lease runs out

He's doordashing Wendy's because it's a 10 minute drive and he doesn't want to do that

"I've been in debt since I was like 18 so..."

No friends, no relationship. "I have friends that live in Texas just not in Austin"

"I'm not homeless yet so I gue-"

"I only get luck when I apply to software engineering with my specific tech stack"

"It feels like I'm ummm I'm my dreams are dying is what it feels like"

"I feel like I'm getting consistent interviews"

• Thinks he's failing on the leetcode and stuff? Gets to the last couple rounds then never hears back?

For the first time we have exclusive pictures of the inside of the Catherine Crackhouse. This is @ArielTroster's idea of "affordable housing". #Ottawa @OttawaBylaw @_MarkSutcliffe pic.twitter.com/Q5AZQJEtSX

— DownHooligan (@DownHooligan) September 9, 2023

475 Catherine street in ottawa is a crackhouse that is condemned and flooded with sewage. Currently the city pays for electricity so that the residents can keep the lights on

A year ago it was a Bike chop shop

https://x.com/DownHooligan/status/1570421033429270529

About 9 months ago it was condemned but the city did nothing because crackheads still lived there and we can't make crackheads homeless

https://x.com/DownHooligan/status/1628468503027101696

8 months ago it was involved in a drug war -

https://old.reddit.com/r/ottawa/comments/106zje4/shits_going_down_in_centretown/?context=8

There are multiple other posts about it too.

https://old.reddit.com/r/ottawa/comments/14fc30r/trap_house/?context=8

https://old.reddit.com/r/ottawa/comments/15hgf5s/475_catharine_stwhats_going_on_here/?context=8

I'm there right now lol. The house has been declared condemned by the City and has been seized by the bank because the landlord who made millions selling mask and other protective equipment on Government contracts has dissolved his company and ran off.

The house is also half filled with raw sewage in the basement.

Ariel Troster has no interest in cleaning it up is what I've been told she's been sending the social workers and we keep booting them out of the parking lot. The police have been there numerous times because of overdoses two people died last week.

Send the social workers to help

Too lazy to quote more, go find your own funny comments.

https://old.reddit.com/r/SubredditDrama/comments/16f86aa/an_aspiring_social_climber_asks_rtampa_how_to/?context=8

https://old.reddit.com/r/CalebHammer/comments/16dd0cz/im_done_with_this_model_financial_audit

OP

What the frick is the end goal in all of this economic turmoil?

The car market is fricked; The housing market is fricked; Food prices are insane. Our salaries haven't changed. It's demoralizing to see Redditors who have houses talk about how great it is and that the housing market is never going to come back down. I don't think the car market will ever return to normal and I wouldn't doubt the housing market is the same way. But the price of a house and the salary of the average American is a large chasm.

Even in small, LCOL areas, I've seen people talk about corporations buying houses and driving up the prices. I'm beginning to see talks of entire neighborhoods of houses that are only for rent. Not rent to own. In theory, you shouldn't buy a house that is more than 3x your annual income. So a single person making $50kish a year has to find a house for $150k but where is that happening? I live in a low income, high crime area and the house I'm in is appraised at $175k so I can't afford to purchase the house I'm in.

I spend a lot of time wondering why I'm back in school, what's the purpose when most of my working life will be spent paying bills and putting the rest into a retirement fund that I likely will never use. With my prospective and current salaries, I won't have money to vacation, get a new car, etc. What's the point of all this then?

To get back to my title, what the frick is the end goal in this economic turmoil? 75% of us being homeless and living outside while corporations hoard houses? Moving to a new country likely won't help because I see many people in various countries talk about having the same issues.

The poor will start a war with each other rather than coming together to fight the rich.

As someone who is 50+ , I'll say that what our generation has done to future generations is criminal.

>not like the other boomers

There's no big plan, just a bunch of people with really big account numbers who want the biggest one. That's literally it. The gravity of all that money will eventually implode and you are collateral damage.

Finally someone with some sense.

You will own nothing. You will live in the pod. You will eat the bug. And you will be happy.

And much more all over the comments.

Welcome back, folks. It's time for another episode of Redditor's Are Financially Illiterate Morons. This week, we have a special treat for you. A direct sequel to our previous episode!

For those that missed Part I of our story, here's a recap:

>R-slur gets call from Rajesh.

>Rajesh asks R-slur for his bank account password.

>R-slur gives Rajesh the password.

>Rajesh takes all of R-slur's money.

>R-slur blames bank for his own r-sluration.

A common tale. But our hero, /u/Pelthail, is no common r-slur. Which is why he's decided to double, triple, and yes, quadruple down.

Got scammed for $2,150 through a Zelle transfer and Wells Fargo says they won't help me out. Is there anything I can do?

After having already been scammed by some nameless, faceless stranger from halfway around the world, our hero has decided to ask some nameless, faceless strangers on Reddit for help. Surely none of them could be scammers.

Fortunately, despite being immediately contacted by a recovery scammer, our hero actually doesn't fall for it this time. He does, however, completely ignore the two comments telling him it's his own darn fault he got scammed in the first place.

I got scammed through Zelle for $2,150. Can anyone help me?

The scammer might have accidentally left a trace to his "business." I can give more details if anyone is able to help me out.

Good God, this absolute madman is now volunteering information without even being asked. Truly, his r-sluration knows no bounds.

Again, our hero makes it out without being further scammed. Clearly, God has smiled upon him.

Bank Scam update

Wells Fargo has determined that there is not enough evidence to substantiate my fraud claims and therefore will not be assisting me in anyway. And on top of that, WF says I owe them $580 of the $2K+ that was stolen from my credit card.

And here it is. The twist all sequels need to justify their existence. Despite having given a scammer all his account info, he didn't cancel his fricking credit card!

It was a Zelle scam however the $580 he stole from the credit card, Wells Fargo says I'm on the hook for that too. I'm basically getting double scammed.

How did the scammer pull from your CC?

He got in my online account and made a cash advance from the CC to the checking account. Then took all of it.

Okay, maybe not all is lost. Maybe, just maybe, OP can use his good standing and long history with the bank to make up for the fact that they have no reason to help some terminally r-slurred broke-butt b-word. After all, it's not like this is a frequent occurrence or anything, right? Right‽

They've handled my credit card fraud issues in the past. But this time it's from my checking out (my money, not theirs) and they're just brushing me away. They only really care if it's their money.

You've had (multiple?) credit card fraud issues in the past, and now you're giving away your online bank information to complete strangers?

Between my wife and I, maybe 3 in total. And yes, a complete lapse in judgement. My wife's cc info got stolen just two months ago and so when I received the text asking me to confirm fraudulent activity on my account I immediately assumed it was real since I figured my info had been compromised as well.

FRICK! HE'S SO GODDARN STUPID! AND HE STILL CAN'T TAKE RESPONSIBILITY FOR HIS BULLSHIT!

I'm all for pooping on Wells Fargo but in this case I'm completely on Wells Fargo's side.

This wasn't a standard case of malicious link fraud. If you read the OP's history you'd know that he straight up gave his account info as well as the 2FA code over the phone to a scammer. As someone else mentioned the 2FA message should have even said "we'll never ask you for this code" and he still gave it to them.

If Wells Fargo gave the guy his money back after all of that, it would just open the flood gates for people to send their money somewhere and then claim "somebody got into my account, please compensate me for my stolen money".

The scenario that OP describes is so ridiculous to me that I wouldn't even be surprised if he was actually trying to scam Wells Fargo and these posts are just meant to help build a false narrative.

Wells Fargo does the exact same thing regarding the 2FA. Every single time I have called them over the past three weeks, they have done that code verification process, the same one that the scammer used. The same exact text that says "Wells Fargo will NEVER call or text you for this code. DON'T share it." Every time I call, they send me the text and they tell me to read the code back to them. EVERY TIME.

Yes "They will never call or text you for it", the difference is that you are calling them. So they send a code to your 2FA phone number. They don't ask for your login info.

If you talk with a scammer THAT CALLS YOU the only way they can send you that code is if they try to log into your account with your login info which you would have had to provide them... WHICH YOU DID and that in itself is mind boggling.

It's like if you have a safe in your house with a bunch of money in it and somebody shows up at your door and says "hey I'm with the safe company, I need the code to your safe to check on it" and you give it to them and then when they steal all your money you blame the safe company and demand they return your money.

Ridiculous.

Oh, and to cap it all off, he's been contacting media outlets. Unfortunately for him, the only journ*lists that care about this sort of thing are with the Marsey News Network.

But hey, I'm sure everything will work out for him at his new credit union. He definitely won't get scammed again in a few weeks. But if he does, we'll be here to mock him for it. So be sure to tune in next week. Same cat time, same cat channel.

Sure it's kinda fricked up but I'd rather have my kid come home with this instead of some trans shit lmao

But also Oklahoma has a HUGE Native American population how has this been floating around since 1997

I know it's not a v tuber or Reddit jannie so y'all prob don't give a frick

Can someone with a PhD help me on if I should hold cash instead of paying off debt at 27% apr?

WHATS IN THE BOXX

anyone care to translate? Penny?

I'm on Fedex side here he needs a box

Getting uppity

The suspense is killing me

HERE IT IS

Tbh I actually like It lmao

ok I'm done for the night sorry love ya

https://instagram.com/p/Cwy28_ju4o6

Don't click this one she looks like

https://instagram.com/reel/CvRqYQSNiK-

Consent accident

I wish I could think like a thecoli breh

Real? Toy? Suicide by cop?

Stay tuned. Or not, I probably won't know.

My MA is in Industrial Organizational Psychology and my PhD is in East-West Psychology with a focus on qualitative research.

Brings a date home. Start talking shoes. She shows him her shoes, they disappear and end up on his gf stank butt feet.

edit

these mfers ugly af

These people make the Gathering look sane.

Will edit in more in a sec. 20 pic limit is INSANITY

More

No actual drama, I just wanted everyone to point and laugh at this literal idiot who cannot fathom parking where they're allowed to. Her entire argument is literally "poor people should be allowed to break laws with impunity because they're poor."

https://lawandcrime.com/crime/woman-stabbed-her-grandfather-in-the-face-after-grandparents-asked-her-to-shower-and-argued-over-hygiene-habits-cops

The stock went up quite a bit since I wrote them so I stand to lose a lot of money.

I'm pretty bummed out about it. But I think whatever nameless algorithmic trader that will exercise the options is probably more happy to get it than I am sad to lose it. So the total happiness in the world increased.

So whatever.

Anyway sorry for the shitpost, I'm waiting for Jamaal to get finished with my girlfriend in the bedroom.

Insane levels of cope

Budgeting date nights

OUR debt

It's fun!

Reminder if you take advice on Reddit you're probably taking advice from a fat 33year old with 110k in debt

It's like 150 for a weekend pass.

500 for an all winter pass. It's not that expensive if you plan. https://t.co/1N1n3WVECz

— Poe's Law, Esq: Poe's Lawyer (@dyingscribe) August 29, 2023

Pick any tweet here, throw a dart at the replies. You'll find !peakpoors

https://x.com/dyingscribe/status/1696644223942975836

https://x.com/dyingscribe/status/1696645466375573644

https://x.com/dyingscribe/status/1696646630743634391

https://x.com/dyingscribe/status/1696647846747934751

https://x.com/dyingscribe/status/1696683914016727192

https://x.com/dyingscribe/status/1696683933247700999

https://x.com/dyingscribe/status/1696726833973112872

https://x.com/dyingscribe/status/1696738470138437986

https://x.com/dyingscribe/status/1696953014076989460

https://x.com/dyingscribe/status/1696965605478334633

https://x.com/dyingscribe/status/1696973987249619344

https://x.com/dyingscribe/status/1696976329311129842

https://x.com/dyingscribe/status/1696978521153765459

Been following this guy for years. He's very open about his adultery, s*x addiction and fake dementia.

I'll update more tonight in the comments

Update!

hes a manlet

I wonder if this guy has an internal monologue

preacher lonnie

lonnie mostly cheats with a pre op mtf

wtf lmao

so weird]

his wife always looks low functioning

ok I'm done sorry