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Superstar
Living with your folks after a certain age is woat
IMO living with your parents is totally underrated. Being a "responsible adult" is a fukking scam
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I think also, all this moving is hurting the economy. because people used to stay local and just raise generations in the same house and neighborhoods but now everything is up for grabs and it destroys local culture and also greedy landlords take advantage like NYC for example.
not to be a hypocrite because i want to see as many places as possible
not to be a hypocrite because i want to see as many places as possible
not for me. i dont see the difference.
xiceman191
Superstar
I like being able to leave when i want to and I like to be able to fukk without trying to sneak around or wait till my parents leave. I'll take responsible adult over living with my parents any day
xiceman191
Superstar
Trajan
Veteran
Fam I feel you. Trust me.
People working hard just to work hard...with no endgame in sight. The big scam is working hard for its own sake has become admirable. I think people have lost sight of the point of work..which is to be able to live. Nowadays some people have nice things but never enough time to enjoy them. You spend more time at the office than at home...more time with colleagues than your friends and family. Then you'll die of a stroke and all that shyt won't matter.
.Materialism is a trap. Free time >>>>>>>
yup....ppl work,come home watch tv and eat fast food. thats a death style not a life styleFam I feel you. Trust me.
People working hard just to work hard...with no endgame in sight. The big scam is working hard for its own sake has become admirable. I think people have lost sight of the point of work..which is to be able to live. Nowadays some people have nice things but never enough time to enjoy them. You spend more time at the office than at home...more time with colleagues than your friends and family. Then you'll die of a stroke and all that shyt won't matter.
Materialism is a trap. Free time >>>>>>>
Fam I feel you. Trust me.
People working hard just to work hard...with no endgame in sight. The big scam is working hard for its own sake has become admirable. I think people have lost sight of the point of work..which is to be able to live. Nowadays some people have nice things but never enough time to enjoy them. You spend more time at the office than at home...more time with colleagues than your friends and family. Then you'll die of a stroke and all that shyt won't matter.
Materialism is a trap. Free time >>>>>>>
c/s...
it's always been a scam by the rich trying and doing a good job at it of fooling the working poor to stay poor
people seen the commercials growing up or heard from family members or friends about having a nice home, with a white fence, nice cars, pets and 2 children and got the nerve to tell u " don't u feel good having your own home "
then u have people working 60 to 70 hours a week just to enjoy 2 days off from work to do yard work and the other days just to come home and cook, take a bath and go to bed, just to go back at it again the next day for another 8,9, 10 hours...
Trajan
Veteran
fax... if you listen to the news, all they talk about is how unemployment is at a all time low... they never mention the fact income has basically stayed the same since the 80s.
i advice people to stay at home until their 26 if they can, because thats when the govt kicks you off your parents healthcare . you should have at least have 30k saved up at least w/ no debt + a paid off car if you've been working since 22. thats put you ahead of 99% of Americans
i doubt anyone in america or the world will have 30k saved up with this report here , where 7 out of 10 americans have less than $1,000 in savings
Nearly 7 in 10 Americans have less than $1,000 in savings
However, new data emerged this week from personal-finance news website GoBankingRates that shows just how dire Americans' savings habits really are.
Last year, GoBankingRates surveyed more than 5,000 Americans only to uncover that 62% of them had less than $1,000 in savings. Last month GoBankingRates again posed the question to Americans of how much they had in their savings account, only this time it asked 7,052 people. The result? Nearly seven in 10 Americans (69%) had less than $1,000 in their savings account.
Breaking the survey data down a bit further, we find that 34% of Americans don't have a dime in their savings account, while another 35% have less than $1,000. Of the remaining survey-takers, 11% have between $1,000 and $4,999, 4% have between $5,000 and $9,999, and 15% have more than $10,000.
Furthermore, even though lower-income adults struggle with saving money more than middle- and upper-income folks, no income group did particularly well. Some 29% of adults earning more than $150,000 a year, and 44% making between $100,000 and $149,999, had less than $1,000 in savings. Comparatively, 73% of the lowest income adults (those earnings $24,999 or less annually) had less than $1,000 in their savings account.
There was even minimal difference between multiple generations of Americans. From seniors aged 65 and up to young millennials aged 18 to 24, between 62% and 72% of Americans had less than $1,000 in a savings account.
yeah i seen that report before. one thing you have to be careful is that i dont think savings accounts are a reliable way because interest rates are a joke rn. most smart people have their money in investments.
also having 30k is prob unrealistic, but basically having 6 months of emergency funds for your lifestyle should be the minimum
A $500 surprise expense would put most Americans into debt
A $500 surprise expense would put most Americans into debt
While the jobless rate is down and wages are up, most Americans nevertheless remain one misstep away from a financial crisis.
Fifty-seven percent of Americans don’t have enough cash to cover a $500 unexpected expense, according to a new survey from Bankrate, which interviewed 1,003 adults earlier this month. While that may appear dire, it reflects a slight improvement from 2016, when 63 percent of U.S. residents said they wouldn’t be able to handle such an expense. The improvement reflects the stronger U.S. economy, but is still far from ideal, Bankrate.com said.
About four out of 10 Americans said they had enough in savings to cover a surprise $500 expense. Another 21 percent said they would rely on a credit card, while 20 percent said they’d cut back on other expenses. Another 11 percent said they’d turn to family or friends for the money.
The findings echo research published last year by the Federal Reserve, which polled more than 5,600 Americans on their household finances. Forty-six percent of respondents said they would be challenged to come up with $400 to cover an emergency expense, and would likely borrow or sell something to afford it. When the Fed asked what types of emergency expenses Americans had actually faced in the last year, more than one out of five cited a major unexpected medical expense. The average expense: $2,782, or almost seven times higher than the Fed’s hypothetical $400 surprise bill.
Other types of hardships reported by Americans included losing a job, suffering from reduced work hours or receiving a foreclosure or eviction notice.
“Many Americans remain ill-prepared for such a financial disruption,” the Federal Reserve noted. “While slightly more Americans have a safety net to withstand a small financial disruption than was the case in recent years, nearly half lack the resources to easily handle such an event.”
regardless, the most important thing about living with your parents is having little / no debt when you leave the nest.
see what i mean about foreclosure or eviction.. people paying for homes they shouldn't even bother buying... but it's a competition, because teresa and sam just bought a 2 bedroom place, so we have to go buy a 3 bedroom place even though teresa and sam is making double of what we making...
the banks and lenders love it and don't care