BaldManGoomba

joined 2 years ago
[–] BaldManGoomba 1 points 11 months ago

Buy ramen, skip meals, Put off getting new shoes for another year, Don't get a haircut, skip an oil change, run your car on a donut, cut cable or internet or phone for a few months, pick up overtime or get a second job, wait for tax refund.

There is flexibility but doesn't mean you have savings. When you are poor some things are an emergency and sometimes you have flexibility or a chance to earn a bit more money. But when you are poor life is expensive and there is a ton of things you can buy as an upgrade, fix, or comfort.

When you are poor there is an endless list of things that need to be fixed and improved.

Median income for an individual is $50k median which is $39,129 a year after taxes. $3,260 monthly budget. Rent for 1 bedroom is $1,496 that is 46% of your real income. Usda say cost for food for male is 300$ a month on the low side that brings you to $1,464. Transportation for a household with 1 car(not median individual) is 410$ a month. $1054-electric $84- phone $140-water $30- health insurance $456 - car insurance $165- internet $75 =$104 leftover

Some of these costs are a mix of average per person or median per person. Health insurance cost you money to use. I didn't put dental or eye insurance it is easy for you to live in a place where these expenses are more or less. Only recently has 10% of Americans built positive wealth. I think we got it to 7% recently people aren't in total debt. (1% of Americans is 3.5 million people)

[–] BaldManGoomba 1 points 11 months ago

Use to not be able to get a credit card through your bank without having a significant amount in the bank or a home loan

[–] BaldManGoomba 5 points 11 months ago

Most Americans can't afford a $400 emergency and live pay check to paycheck. Car breaks down, emergency medical expenses, emergency house breaks down could all cost over $400. You need a Credit card for that back up that you could eventually pay back by probably sacrificing something else. Need a car need a credit score or you pay $3-10,000 more in interest same with buying a home. Want to rent need a credit check. Want to get a job at a bank, military contractor, some government positions, and other secure jobs. They want to make sure you don't have bad credit or can't be taken advantage of . Which no credit is often considered bad credit.

[–] BaldManGoomba 1 points 11 months ago (2 children)

Most Americans can't afford a $400 emergency and live pay check to paycheck. Car breaks down, emergency medical expenses, emergency house breaks down could all cost over $400. You need a Credit card for that back up that you could eventually pay back by probably sacrificing something else. Need a car need a credit score or you pay $3-10,000 more in interest same with buying a home. Want to rent need a credit check. Want to get a job at a bank, military contractor, some government positions, and other secure jobs. They want to make sure you don't have bad credit or can't be taken advantage of . Which no credit is often considered bad credit.

[–] BaldManGoomba 17 points 11 months ago

And they aren't really hiring.

[–] BaldManGoomba 1 points 11 months ago

Roads and repaving 2 steps forward 1 step back

[–] BaldManGoomba 8 points 1 year ago

C-suite gets tons of meals all the time. They get pizza on the company dime when they want. But since they have all the free time and money to concern themselves with their hobbies and health they tend to opt for healthier options

[–] BaldManGoomba 2 points 1 year ago

Under Biden it is still illegal put someone better in

[–] BaldManGoomba 3 points 1 year ago

In Maryland there is like 33% wiggle room I am ok. If I was in Pennsylvania it would be a different story.

Hillary and Biden both beat Trump by huge numbers in Maryland I can vote for 3rd party no issues. People are just scared that people from Pennsylvania have the same idea which it would actually cause harm.

[–] BaldManGoomba 2 points 1 year ago (1 children)

Hillary and Biden both beat Trump by huge numbers in Maryland I can vote for 3rd party no issues. People are just scared that people from Pennsylvania have the same idea which it would actually cause harm.

[–] BaldManGoomba 1 points 1 year ago

Housing units, July 1, 2022, (V2022) USA 143,786,655 Owner-occupied housing unit rate, 2018-2022 64.8% If only 2% is foreign owned that is 2,875,733. Which is a hell of a lot of units

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