I’m almost 3k behind because my parents forced me into choosing college or the military at 18. I wasn’t remotely ready for either (was dealing with extreme gender dysphoria at the time) and I’m deeply opposed to the army but sometimes I wish I had chosen otherwise… I don’t know if I’m ever fixing this. All my cash goes to survival and everything I own is constantly breaking. Poverty is a vicious cycle…
It’s crazy that parents are still forcing kids to go to college when it’s been documented a billion times how often people are getting no benefit but tons of debt.
I have made it a point to live a debt free life as much as possible. My only debt is my mortgage. I’ve had a couple of car loans in the past, but nowadays not even that. I have quite enough wheels; If I buy another vehicle it’ll be with cash. If I can’t do that, I don’t need it right now. (2 cars, 1 truck, 7 motorcycles. It’s going to be a cold day in hell before my ass is out of transportation options.)
Credit cards are a little high but that’s just because I just took a vacation to Japan. I feel like I’m in a good place otherwise. I was lucky enough to buy my house before the pandemic when interest rates were super low and prices hadn’t yet spiked so I’m hoping to sell it in a few years when the interest comes back down. My loans are 50k I took out of my 401k as a down payment on house, 35k for a heloc to fix the house, and 20k on a personal loan.
I live in the Midwest region of the United States.
$55k in student loan debt, down from $100k eight years ago. $10k auto loan. $210k on the mortgage, which I honestly can’t believe I was ever approved for. No credit card debt.
There have been some very scary moments, but I’ve somehow managed to keep my head more-or-less above water so far.
health insurance provides a legitimate service to society. not a bullshit job. i get you have political motives to project but it’s not a bullshit job.
If by “job” you mean being a middle man sucking money and effectiveness from people and getting in the way of actual health care, then I agree. It’s a “job” in that people show up and get paid, but it’s 100% a bullshit job.
All dicks and no holes. Just a big pile of fuckery and greed in a big circle. The fed fucks big pharma. So the pharma company fucks over the hospitals. The hospital turns around and fucks the insurance. And the insurance companies are legally justified to square the difference from out of your asshole. And since some of that comes from the fed via state run marketplaces, the cycle of fuckery is complete.
If anyone’s offended by my language there, I apologize and assure you, it’s an entirely gender neutral and accurate metaphor.
I like how an annual doctor’s visit and a biannual dental cleaning are supposed to be 100% covered by insurance.
But every time I go, I get a bill later on with the explanation that “the provider is asking for too much money for the services so we are refusing to pay the full amount”. Fuck off. That’s not how that’s supposed to work.
I have around 5k€ left to pay for my car, for the rest I just spend what I know I can. I have a credit card but I just keep it there for emergencies or to pay in installments when the seller doesn’t allow it, everything else goes to the debit card.
Edit: for context since I just read “in the US”, I’m italian. My school was 150€/year so I saved myself the school debt thing.
Went into 30k debt thanks to school and being injured and getting 1/3 of what I use to make. Had to use CC and other means which in itself was digging a bigger hole. I am 3k away from being done with fuckin debt. No house since this all happen during 08-10 fall out. 13 years. FML
Yes! It shouldn’t be difficult to purchase a house, but when we were looking, none of the seller agents would even talk to us until we had a buyers agent 🙄
Years ago my dad was fed up with realtors and you couldn’t list a property for sale without a realtor license. So he figured it’s probably as easy as it seems, seeing how many airhead realtors he’d met. He was right. He read a book and then went and passed the exam to get licensed. Sold his own property himself and never used the license again.
The agent we have used for several houses has been indispensable. He got us into our current house before it was listed, and before that he knew all the issues with every house we looked at because he’s been in the area for so long. You may have had bad agents, but some of them are really good at their jobs and add quite a bit of value.
In property markets where prices are reasonable they can be alright, but up here in Toronto where detached houses go for 3 million plus, there’s just too much incentive for greedy parasites
Surgery as others have said is a quick in and out and it’s fixed. Be sure you have your therapy afterwards planned and ready to go. Not every physical therapist has appointments ready the moment you leave the hospital. Also make sure your employer, health insurance or whatever applies keeps you financially afloat while you aren’t able to work. Have a plan for reentering the workforce.
I already know what physical therapist I want to see. I had my mom call my work to update them on my condition because I was crying with pain. They’re offering me accident insurance payout once I gety surgery, even though I was hurtnwhen working at home on the clock. My parents are letting me stay with them and they are going to make sure my ducks and cats are careful for. My dogs are going to be with me at my parents’ place
Yeah. I have a menagerie. I grew up on farms, so I have always had loads of critters running around. I can’t do any more animals now. I am at my limit lmao. Also, thanks for the well-wishes!
Piano. I actually can play it a bit but I’d need 10000 more hours and space and time and motivation to do that. I wish I could just sit down and play, without disturbing the neighbors or limiting my living space or cutting down on my other hobbies. But piano is really nice. I guess I’ll stick to listening to it.
You could get a keyboard and use headphones if the noise is the most significant blocker. That can help with the space, too, since you could fold up the stand and put it away when not in use, unlike a piano which is furniture as much as a musical instrument. Unfortunately, there’s no helping with the time part unless you’re lucky enough to be born with talent, though even then it just means less time rather than little time.
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