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1 in 8 lives in poverty (<20k for a 2 person household).
1 in 4 has less than 1k in savings.
1 in 2 has less money saved than last year.
1 in 2 is living paycheck to paycheck
But thanks to massive income inequality, the average American makes 59k a year.
Fun fact: America is arguably better if you are rich or with a high income, Europe is better if you have a lower income / are poor
This. If you are fortunate to have great employment (100k+, dual income preferred (so breaking 200+), depending on location), with good healthcare, your options are great, and you'll access a higher level of service than most of the world can get. Great schools, great doctors, great home/car/vacations.
If you don't have that raw income, and therefore don't have that support, america is a much much different place.
I'm fortunate enough to have gone from very low class to a much higher strata and I never get comfortable. I'm constantly surprised by shit that just happens...easily.
An example: by having good insurance, I have a very good dermatologist. I have psoriasis and use a biologic injectable to handle it completely. Once, my specialty pharmacy had some sort of shipping issue and I called my doc to check in. They said come by.
They handed me 6 doses FOR FREE, so 6 months of medication, like it was nothing. Each dose is thousands of dollars cash. I pay 25$ with my insurance. I assume a vendor rep dropped a ton off.
Point being, I know there are millions of folks on very expensive meds, who don't have a high quality doctor relationship, who could never access that perk I did. Literally paywalled customer service.
I recently went back to college and I'm now in my first professional role with real professional benefits and the difference is night and day
I got sick and had to miss a couple of days of work. I literally just had to send a single teams message from my work phone and could ignore everything else for the rest of the day and still be paid. I've had previous jobs where I'd be required to get a doctor's note by the end of the day just to not be disciplined for my absesnd, which meant going to urgent care which costs more because i couldn't make a same day appointment with my primary care doctor. Y'know all for a common cold
I went to go to the office one day (my job is hybrid) and found a 4 inch screw in my tire. I had zero obligation to explain myself for why I didn't come in when I was expected. I had another time I had a different issue with the car for which I didn't get around to mentioning why I didn't come in and I never heard about it. My last job I had a very catastrophic flat and literally had to miss 2 days of work while I waited for shop to get in tires to put on my car
Every holiday is paid. I've had previous jobs where I had to burn literally all of my vacation time to not take a 20% hit to my paycheck for a holiday that I don't even get the choice of working if I wanted to. I've had other jobs where I just had to accept that I'd have to take a hit on a paycheck for a holiday because I didn't get any vacation time
If I have an important personal phonecall, I can just answer the call. I don't have to do some song and dance about burning a timed break or saying out loud to everyone in earshot who sees me getting a call "oh this is an important call, I need to take this" I can just answer the damn phone and get on with it
There's usually some snacks somewhere in the building that i can grab for free. If I don't pack enough food and find myself getting hangry I'm not forced to spend my own money at the vending machine or to go to the store at lunch, I can just go grab a snack and be done with it. I also don't have to wait for a break, I can just get up and go grab my damn snack without having to explain myself
Notice how every one of these benefits is not having to spend time and/or money to appease my employer
While this may be true today, note that European countries (well, the rich ones anyways) might just be behind the curve here. We're certainly on our way towards a U.S.-style disaster.
It's very hard to generalise this though as cultures here are very heterogenous here. You'd never in 100 years expect the Dutch to fall for the car industry's strategy of getting everyone dependant on cars to anywhere near the same degree as the U.S. has while you absolutely couldn't say the same about Germany; we love sucking on those exhaust pipes (especially our politicians).
There's just a lot of inequality in the US that is both socially and politically unacceptable in the rest of the developed world. Extremes are more accepted here.
There are more extremely rich people than you would see in other Western countries and and many, many more extremely poor people than in other Western countries. Alleviating that would mean implementing policies to redistribute wealth that many Americans are not willing to implement, especially conservatives.
The US basically sacrifices the good of the many for the great of the few.
And they manage to get poor people on board by tying their policies to Jesus and Family Values. And it works like a charm and itβs so weird.
Which seems even stranger. In many other countries, Christians vote left of center to promote economic equality, reduce poverty, get green policies to protect God's green earth, make sure that everyone has universal access to healthcare and education, etc.
In the US, they vote oppotite of that.
Because if you're poor, it's because Jesus is punishing you for something. (This is a slight exaggeration of the mindset.)
For showing my point I like the joke that was made of the pastor in Katrina turning down help from the coast guard three times because God will save me, then drowning, getting to the pearly gates and asking why he wasn't saved. The response was "I tried three times. You didn't get on any of the helicopters I sent to save you." There are direct parallels to religious figures claiming God will save them from COVID and not wearing masks or getting vaccines or anything, then dieing of COVID not months later. And those weren't jokes. They were in the news...
Religion is taught very poorly here in a lot of places, and it's very predatory in a lot of the US. Any religious television here is only a scam.
Every American is a rich man who is temporarily down on his luck and making big societal changes would screw them over when they finally get their money.
Honestly was shocked when I first visited. On TV the streets are wide there and everyone has enough to eat.
Visit (and at this point I have spent time in about half their states) and it is a different story. Broken roads in disrepair. Beggars everywhere, fighting for the chance to ask you for food, water, anything. We stopped at traffic lights and a teenage boy shaking with palsy knocked on our windows begging for food. People mobbed me in one city because I was carrying a bag of apples and they hoped for one as my bag split. I was careful never to give, but was still followed everywhere as an obvious tourist. The only place I did not get food begging on every single streetcorner was Manhattan. I am told this is because they deported beggars to the mainland there. Heartless sods in a capital that gets snow told me "there's less beggars in winter, the cold gets them".
I think you're right about the jobs, too. There were roadworkers on those broken roads, using jackhammers without ear protection, or even foot protection. I was told it was because they are "free" to bring their own PPE. They looked injured and sick but determined.
Shops were similar. Waitstaff looked half starved, serving the rich in an obsequious yet hateful way unnervingly like a roleplaying slave. It was disgusting, and ruined many a meal by constant disingenious artificial attention.
You won't regret visiting, but it is a ridiculously heartless broken place. The most expensive travel insurance too, for reasons most obvious in their medical stories.
Yanks are no doubt going to downvote this to oblivion, but it is how I have so far experienced their miserable cities.
To be fair, Gary, Indiana isn't most people's first choice to visit...
First or second to last choice too
Where the hell did you go to see all that? I've lived in the US for half a century and never seen any of that. There are some states that need to figure out how to pave roads that will last more than 2 years, but many states have figured that out.
The roadworkers? Three seperate sites in chicago, then similar seen again in New York State, and in Louisiana. Other places too but they stood out.
Knocking on our windows to beg for food and water? Everywhere on the east coast. The kid happened in New York State, but similar happened in Pennsylvania, in tenessee, in illinois, in Louisiana, and everywhere really.
I was mobbed in Pennsylvania during the notorious Apple Incident, it happened again to a friend in Charlestown with a large bag of peaches, but when we were telling this story to a bunch of other Aussies they told me a chilling tale similar that happened to a girl of their number in Tenessee. The third one happened to strangers, but they had no reason to lie to me.
I don't rightly know what to tell you, but we saw so many beggars everywhere except manhattan. We did not like getting restaurant meals, tried to stick to takeaway, because waitstaff were upsetting everywhere we went. And if you haven't seen the massive holes in your roads, society and infrastructure in your time there, it's likely because you are overused to them.
America is terribly full of the desperately poor.
Edit; I have learned not to talk of the incidents that happen once, if I can help it, as I get told they are "isolated incidents" or "just happen in that state". The girl with the dog crying in louisiana, the orphans we met in ohio, the shaking window knocker, poor bastard.... That said, those isolated incidents also add up to a larger truth. All of them were due to a lack of health care or social care. All could have been cured with a little kindness, or the yanks being a little less blind to their fellow man. It is a very harsh place.
Sounds like anywhere in VA that isn't Alexandria or Tyson's Corner.
Americans are told by the media that they are living "the good life" and that they shouldn't bother looking at conditions elsewhere. USA!USA!USA!
You have to go further than that. A huge population only cares about itself and has made it a part of their identity. Those who have it well don't have to think about those without: drive to or work from home, live and socialize on internet platforms that isolate themselves from the plight of those with less. They can order everything online and have it delivered to their door - they have no clue and depending on how separated they are from those struggling, they may just say, "those people just aren't working hard enough," or some similar line of thinking. It's not hopeless, but we need far more progress in the US, especially with wage inequality and affordable living/homes. Jeff Bazos is allowed to help buy up single family homes so the rich can rent them out....it makes me so angry and sad.
Disability (which I paid taxes for, to protect me from poverty if I became disabled) pays a whopping $914/MONTH.
I sell nudes to afford basic necessities.
They also have an asset cap of $2,000 which hasn't changed since 1974. Basically, if I have more than $2k in my bank (or in any valuables like comics or coins) at any time, they take away my food and Medical insurance. If adjusted for inflation, it would be $13k. I'm drowning and lucky I'm an attractive girl, otherwise I couldn't afford to survive.
There are a lot of awful things here but to focus on just one, holy shit monthly rent could go over the asset cap in a few years.
Is it that bad here? Well, to answer your question let me just say that, in America, your very life might depend on keeping your boss happy. Many people live in places where there arenβt many options for jobs, and our healthcare is tied to our employment. If those people lose said job, they might not be able to afford lifesaving medications that they need. Often, those people are too poor to afford moving somewhere with better opportunities. Iβm lucky enough to live in a city large enough to provide plenty of opportunity for employment, but I do currently work just four blocks away from the bridge I lived under as a child one winter, because I was thrown out by the Gospel Mission for skipping the morning sermon and prayers one day.
The main problem we have here is the difference between mean and median income. The average (mean) is fine but not many actually make that. There's a majority who are sort of poor or very poor, a smaller slice who are average and that's reasonably well off (not in immediate danger of something dire happening) and a minority who are so fucking rich it skews the average.
All of this is exacerbated by the lack of social safety net here, we simply don't do as much redistribution in the correct direction as most rich countries. So it's harder to be poor here because they are preyed on rather than supported. In those shows you watched, you are correct, the stickiness of capital in the upper classes is the problem, not an overall lack of money.
It's just not spread out right. Yes more should unionize and also we need more small to medium size businesses, more growth at the bottom to pull that money back and spread it out better.
This is an interesting take and I think you are right. Apart from unionizing and demanding better there are definitely structural problems in how capital moves though the classes because there's clearly enough wealth to make a lot of people's lives better. I mean, that wealth is right there on display in these shows but it's just not shared with these workers at all except when the wealthy want to big note themselves a little bit.
Consider me as a data point. My salary is in the low six figures. I have a reasonable mortgage and car loan. I also live paycheck to paycheck and have trouble paying my bills every month. I am currently in default on several thousand dollars of medical debt, that I am trying to pay off gradually, but I'm not always keeping ahead of my new medical debt.
Part of my income goes to helping out some relatives and friends who are in much worse shape, but even without that, I would have trouble breaking even.
I am just barely short of being in the top 10% of US incomes. The income inequality in this country has left the vast majority of the population struggling. Many can no longer afford enough food or housing.
You know it's pretty obvious that inequality is rampent in the US and people are hurting because of it. Yet the latest polls show just how popular Donald Trump and the Republicans are. Conservatives use to try and hide their true intentions, but today they dont care and will say exactly how much they want Americans to hate other people in the country. I truly wish I could understand why an average Americans doesnt see how much the Democrats have done under the Biden administration to try and fix these issues. I really do believe if the Democrats could finally have control of the federal government, and I mean 2008 levels, we could see some serious change.
Demonization of education has a heck of a lot to do with the issues this country is currently facing.
For one, propaganda is a hell of a drug. Fox ~~two minutes hate~~ "news" will tell anyone who listens that every single problem you have is the fault of ~~Goldstein~~ liberals/leftists/Democrats.
A point for Trump is that "conservatives" are also completely jaded and cynical about the system as well as we are, their chosen method is to use Trump to burn it all to the ground and "start new" with their "strong man" who will force the change they want to see. They see Biden as a feckless, weak, liberal who not only can't fix the issues we have, but won't do it because he's in x,y,z persons pocket (completely ignoring that Trump doesn't need to have someone to serve as he's serving himself.)
I think we're all fed up with the system, but the neoliberal greed is good 80s assholes will continue the beatings until morale is improved.
Well when most employers can fire you at any time for almost any reason (at-will employment) and your healthcare is tied to your job then.... yeah, employers can treat their employees pretty poorly and get away with it, especially if you work in something like fast food or big box retail where plenty of young, unskilled workers are entering the workforce every year that they can replace you with.
Don't confuse the difficulty of unionization with the lack of need/want. Most states are "at will", which means they can pretty much fire you for whatever, whenever. Couple that with low wages and poor social programs, and you have a vast amount of workers who can't afford to go on strike.
However, many of us are living comfortably, with decent wages, insurance, and paid time off. Folks from other places really tend to forget how many people are here, and just how varied the situations can be. It's not dire for many of us, but if you're on the bottom, the struggle is nearly insurmountable. Which, unfortunately, is by design. We're working on it though, just don't equate tv shows to an accurate depiction of a country of 300 million.
Came here to say this. Living in New York is completely different than living in a small town in Wyoming. Might as well be two different countries. The available jobs, average wage and education can differ vastly depending on which state and which part of said state.
Tl;Dr: It varies very drastically by locale. Rural Americans can often live okay on "very* minimal income. Standards on what " poor" and "normal" vary about as widely between parts of America as they do between America and where you're from.
Where I live (Dallas), I'm making around $40,000 in an area where the median is $60,000. I live alone, but I will have to buy a new car this year and I will barely be able to make my payments. I do not have a college degree, and I'm still basically entry level.
I've been looking at moving a lot recently. If I moved where I want to live (Oregon), I'd probably make the same or slightly less money, and my rent and expenses would probably rise by a few hundred a month. In effect, I would barely be getting by if I didn't have a car payment.
I've also been looking at Chicago, where the median wage is slightly less than I make now, but cost of living is slightly lower, and I'd make slightly more. I also wouldn't have to have a car, so my disposable income would rise drastically.
Would you consider a solid used car?
In France you can cet a half crappy car for some grands, in Sweden, where I come from, 10k will get you a Volvo rolling another 300.000 kilometers.
The USA is such a curious (for me sort of imaginary even) place. We've been fed USA & USSR and onwards (easy to say the USA was heavily on the win side for teenagers, USSR showed off cool things too for a young mind like heavy tech starship and devastating nuclear power etc. The USA always gave the vibe about "be what you want" though, I'm a big fan :-). How do you deal with the fired at will thing when you get old for example? Is your thirties some sort of retirement hunting time? OPs question sure is interesting for us Europeans I guess(I feel things vary wildly in the EU already! Like retirement in Italy is very personal, in Sweden it isn't).
Gotta go mix the soup, cheers!
Isn't the median income like $35k/year? A $5k tip would then be at least a month and a half's salary for half the workers in the country. That's pretty significant and a good reason to be stoked. Considering that Americans pay out of pocket what is normally covered by taxes (on top of taxes), yes, I would say that they really are that poor. That's part of the system though, because as long as workers are tired and in poverty they'll never have the time and energy, or take the risk of missing even a minute of work, to organize.
I would guess America is so wildly diverse, like most countries, that there's no real "Average American". Sure, median income isn't great and recent inflation has screwed with poorer people all the way through to probably upper middle class.
However, I don't think there's "one reason" for people being / feeling poor. It also depends on what you mean by "life changing".
Anyway - I'd say there's are very poor people. Some of this is generational poverty, some of it is no family support, some of it is addiction, some of it is mental illness, some of it is bad choices. A social safety net would really help here. For whatever reason the US is against much of one.
There's working poor, where supposedly the value they bring to a company isn't sufficient to pay a living wage. I guess elsewhere this is government forced to be a higher minimum wage way more than in the US. This I think is also leading to lots of apathy now in service workers, which means atrocious service at most places, which is finally starting to impact people higher up the income chain. Though it's usually scoffing that no one is doing a good job anymore.
Middle class people get squeezed by inflation a LOT, and children are incredibly expensive. As you get into middle middle and upper middle classes there's also the spending problems. This is either driven by lack of or failures of public options, so people are paying for home schooling / private schooling, paying ever more out of pocket to get access to medical care at ever higher rates, and really any service needed can be astronomical or else often worse than doing nothing unless you know a guy. There's also all the credit card debt that with higher interest rates are squeezing people even more. Some of this is unnecessary spending running out of control, but some of it is lack of wages keeping up with inflation mixed with many things having way more ongoing costs than they used to. Either they have planned obsolesce (Back in the 90s no one had to buy a new landline phone, or wireless phone every 2 years), they have subscriptions (again, in the 90s you bought a car or a radio, you bought a computer, you bought a game, whatever - it lasted with no ongoing payments), and many things just don't last at all. Then there's the interest in experiences - which is a transient thing, so you're always paying for a new one. I'd also say there's a huge burden on everyone related to college - and it is getting less obvious by the year if that hit in loan payments "forever" is worth the supposed economic boost. My parents grew up when college was like $8,000 max for 4 years and room etc - you could work your way through it, and the boost to lifetime expected earnings was pretty easy to overshadow the effort or loan if any needed. I might have been the last generation to get through with $20k in debt from 4 years, which while I'm still paying on isn't enough to overshadow the earning benefits. Today (and for the last 15 years or more) it's more and more for a 4 year degree, while the expected positions aren't going up in pay very much at all. But if you do go to college that's going to hit you and your parents for a long time also.
As you get to upper middle and upper class - upper middle is scared shitless by the inflation, wage increase demands, etc that might cause them to fall out of that class, so they can feel "poor" even though they're far from it.
TL;DR: there are a lot of poor Americans, and many who are "doing OK" either drowning in debt or just feeling insecure even if not technically poor.
When I moved from the UK to the US I left a fairly nice job paying Β£30k a year (this was back in the 2000s) and had to start again from the bottom. I earned $6 an hour, and my then bf and I sublet an apartment for $600 p/m (he was on a grad school salary that worked out to $9 an hour). We bought discount food items and everything was thrifted, we didn't save anything, and we went nowhere and did nothing. I have a memory of us buying a sandwich from the gas station as a treat and making it last all weekend (tbf it was like a footlong sub).
Fast forward to now, we have a combined income that puts us in the top 10% of the country. We own a house, luckily got in before prices went insane, so our mortgage is actually less than our sublet was (adjusted for inflation). We still thrift and buy reduced meats from the supermarket, we travel more but because our jobs pay for it, we do eat out a lot more but I still cook most weeknights.
We're better off now by a long shot, but we're still careful with our money, and have crafted some neat tricks to make sure we don't spend beyond our means. If we bought all the new clothes, groceries, cars, and vacations like the movies suggest is normal for a middle class couple, we'd go broke quickly. Also, having zero kids helps massively.
Sometimes I look at what we've achieved and what our net income is, and it's wild to me that people survive on less. Sure, we enjoy things now vs. sticking to essentials at all times, but it's wild that people are expected to live an entire life just getting by on the basics. What's the point of having community, taxes, and law if you still live paycheck to paycheck, surviving just to work and sleep?
It really depends on where you look. In rural areas of red states (states in which the majority of elected officials are members of the Republican party), things are pretty bad. Red states tend to have fewer (read: almost no) social programs.
I have a bit of a unique perspective on the dichotomy, because one side of my family is firmly in the lower class and the other firmly in upper middle.
There's a big difference for the two. It's like two different countries. For the lower class, what you've described is indeed normal. And many in the other classes would not believe that it is that bad for them.
Are these lower classes voting to change this or are they completely brainwashed into voting against their own interests?
It almost kinda sounds like there's an unspoken caste system going on in the way you described it.
Oh yes, these states are red because the Republican party has convinced them all to vote against their own interests.
Many may not understand this, but the single most important voting point to most in my area is abortion. The churches have convinced the masses that it is basically the ultimate sin. They will choose any candidate with an R (Republican party) next to their name on the ballot.
They've also convinced them that social programs are for lazy layabouts, and they should be cut. Even if the abortion issue were somehow solved, it would not change much.
Where I live we're fortunate enough to have universal healthcare but it's constantly under attack from the same side of politics that ultimately want to abolish it.
I have a friend who was going on about cutting taxes and especially not having to pay for others healthcare. Meanwhile, this idiot had just had a baby with his wife with the entire tab picked up by taxpayers, was now receiving family benefits and payments for starting a family and would soon need to rely on taxpayer-subsidied child care when she went back to work and school going forward. It somehow didn't dawn on him that he himself was reliant on all of this assistance and was getting far more out of it than he was putting in.
At least he wasn't so cooked that he was scared of others having abortions but I've at least had a taste of this bazaar mentality here.
A lot of it is decades of misinformation and propaganda paired with limited to no education and what some journalists call "braindrain" where those who do come from these areas and do get educated end up leaving.
Brainwashed mostly, both parties contribute, but the right wing significantly moreso. Focus is actively concentrated on culture/morality issues like gun control, abortion, sexuality, etc. so that voters make decisions based on those positions rather than material issues. Additionally, American politicians have led a smear campaign against socialism for at least a century. You can't vote for the scary socialists, they murder babies and destroy the economy and force everyone to get sex changes.
Iβm an American and I had a pretty decent job out of college and the idea of moving out of my parents house without roommates was impossible. In fact I donβt know a single person who did it.
$5000 might not be life changing for me, but it would take me a really long time to save that much.
Americans have high salaries compared to the rest of the world, but everything is really expensive so things kind of balance out.
One thing to consider is that the higher salaries make it easier to get things like an iPhone or MacBook. But all the things that are needs like housing, food, and a car are almost too expensive to afford.
Most people have a car loan, most people donβt even dream of owning a home any longer. When you see that you will never earn enough for a home, then you donβt really save for it.
When the amount you earn that. An be saved is too little then you donβt really bother with it.
Most Americans do not live nearly as well as it is portrayed on TV or in movies.
update
Iβll add on to this that most Americans have debt for some reason or another besides having a car and house. A lot of people have student debts that are oppressive some people have medical debt as well.
Gas prices are reasonably low, but everything is so far that you end up using a decent amount of gas to get around.
Iβm an American and I had a pretty decent job out of college and the idea of moving out of my parents house without roommates was impossible. In fact I donβt know a single person who did it.
Not to pick on you specifically, but I've never understood the modern generations' seeming aversion to housemates.
I had housemates from after college until 7 years later when I had a wife, starting in the mid-90s. My mom had housemates in the 60s after college (my dad had the GI bill, which afforded flexibility, but had other drawbacks).
It seems weird to me that people these days seem to think that's unacceptable. That's how people do it when they are just getting started. Either that, or they live somewhere less desirable, far from cities, small, old, crappy. Personally I did both... housemates in a rural area in a shitty place. :)
I had roommates for a few years. It was seriously one of the worst times of my life. I have a bit of social anxiety, but I had absolutely no idea how bad it would get with roommates. My roommates were generally pretty friendly and left me alone, but I had an incredibly hard time working up the courage to leave my room to eat or even go to the freaking bathroom. I was so hungry all the time, but I couldn't eat because I was afraid they would see me. I started collecting non-perishable foods and kept them in my room so I wouldn't starve. I also had issues sleeping because I would stay up at night when they were asleep so I could eat. But then lack of enough sleep or food made me paranoid as fuck thinking ghosts were out to get me. I was seriously going insane.
I get that 99.999% of people aren't like this and don't have this issue. But some of us just do really poorly living with others. Once I was finally able to move out on my own, my life changed for the better.
When I was poor, $5k would've been life changing. I wouldn't have eaten any better except for a day or two, but I wouldn't have had debts hanging over my head.
Matter of fact, I had a $4k debt hanging over my head for like 6 years because I dropped out of college. I couldn't pay it off until I got my dad's life insurance after he died. I worked the entire time, 6 years straight, but was underpaid and Wells Fargo was doing its illegal overdraft fee thing....I will never work with that bank again. It wasn't uncommon for me to pay $70 in fees on a paycheck of $400. Idk how the fuck I survived.
$5k definitely helps people, it lets you catch up on bills, treat yourself a little and be able to enjoy life for a bit. But in this show it felt like medieval royalty throwing a few copper to the peasants on the streets and they literally said it was a once in a lifetime thing for these people. It was downright depressing that Americans live like this.