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Posted on 12/04/2025 9:21:09 PM PST by SeekAndFind
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When I was twenty five, this would be the case. I sucked at the emergency savings thing. It was much more fun to go out and buy drinks and food.
Then I got married and had kids.
Not being able to come up with enough to get your brakes fixed (without putting it on a credit card) would be embarrassing.
We need to remember that half of “Gen Z” is still in high school /college. A lot of these stories are written to evoke an emotional reaction. Don’t fall for it.
my sister & brother-in-law get SNAP cards and other gov handouts, yet they always have money for a new tattoo....
maybe that’s what he means...
Sick Americans should not be even considering eating a 3rd world diet to pay for medical bills. This is absolute BS and greed is bringing us to the level of 3rd world
I am sorry you are struggling. I am not sure why, but many FReepers, and a few of my neighbors seem genuinely out of touch, and lacking compassion for those who are experiencing just how bad things are for many Americans right now.
My friend, “Rice and Beans” is a figure of speech. I would say that we went rice and beans when we were climbing out of the pit, the truth is I hate beans and hardly every eat them. However, the point of the expression is to shop wisely for food. Today, the two of us eat like royalty on less than $200/week. If we had to, we could do it on $100/week. Again, rice and beans is an expression not a menu.
“But they won’t give up their daily Starbucks.”
The problem with surveys like this is failure to categorize the respondents. If they don’t have $400 saved, but have a big screen TV, a thousand dollar plus cell phone, expensive lease vehicle, go to Starbucks daily, and get home delivery meals or eat at restaurants daily, why should anyone else care that they don’t have savings?
Rice and beans combined is a complete protein.
Confine SNAP to those 2 items and watch the obesity levels go down.
We do budget but during the time I was in the hospital I wasn’t earning money and my wife obviously was cutting her day short to visit me daily.
It’s insane how expensive things are. We don’t have car payments. We tend to follow Dave’s wisdom. Been through financial peace university. There not enough there to cover the bills as everything while I was down for the count had to go on the Cards.
Hopefully the new year will turn things around.
It’s bad. The home we have is modest for 4 occupants. I thank God we don’t have car payments. We’d be heading to bankruptcy. My health is still iffy at 58, hoping for a full recovery
I see your problem. You are focused on your credit cards. The real question is “Where is your money going?”.
Most people get so focused on their “payments” that they lose sight of how to live. Dave Ramsey talks about the “Four Walls” and it is reality. Every creditor knows you can declare bankruptcy and they lose so they will work with you.
I Hope for you two that the new year will be better. Stay strong.
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