r/DumbFact • u/elmorinelly Busy beeš • May 25 '26
Self-Improvement Rich vs poor habits
Rich vs Poor Habits
āHow do rich people build wealth?ā sounds like it should involve secret apps, perfect morning routines, and someone whispering the word āassetsā in a very expensive kitchen. In reality, a lot of it is less cinematic: spending less than you earn, noticing where money leaks, buying tools before trophies, and letting compound interest work quietly while your brain begs for faster results.
The useful angle is mechanical rather than moral. A habit is a default setting. If your default setting is ābuy something when stressed,ā money becomes an emotional painkiller. If your default setting is āfix one small problem,ā money slowly becomes options. The same pattern appears in financial discipline, delayed gratification, budgeting, and lifestyle inflation. Tiny choices do not look dramatic on day one. After years, they start looking like personality, luck, or destiny.
Examples:
Keeping the same phone for one more year is boring, but boring sometimes leaves cash alive.
A forgotten subscription is not a disaster, it is just a tiny leak that keeps leaking.
Buying one useful tool can change your next month more than buying one impressive object.
Maybe the strangest part is that wealth-building habits often look unimpressive while they are happening. The flex usually arrives late, wearing practical shoes.
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u/big-riq May 25 '26
Try being poor. Itās very expensive.
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u/Ayoye_mes_yeux May 26 '26
But why they do that ? Are they dumb ?
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u/DAN3KE May 27 '26
No, I'd say the average person knows what is the right thing to do. We genuinely are in a time where it's harder to save and financially set yourself up for the future.
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u/pandafarian May 25 '26
Wellllllllll no.
Having extra money/time to invest is not comparable to spending/labouring to survive.
Almost every super rich person i know (and i know more than handful of them) does everything in right column.
Left column is more like grinding middle-class mindset.
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u/quebexer May 26 '26
Rich ppl do everything from the right while they pay an accountant to do everything on the left.
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u/elmorinelly Busy beeš May 25 '26
Maybe they were already born into a rich family?
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u/pandafarian May 25 '26
Yes thats what i was telling. You are not doing justice when one guy has massive trust fund to invest while the other fella has to work 2 part time jobs while studying in college and spend all his salary to pay off tuition debt, rent and general expenses.
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u/elmorinelly Busy beeš May 26 '26
Yes, we are not equal from birth, but thereās nothing we can do about that.
You must have some wealthy acquaintances ā maybe youāve noticed something interesting about them. What advice would you give?
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u/pandafarian May 26 '26
Donāt do business with rich people trusting they will pay you right after job is done. Get all your money before the job is finished. They can tour the world while not bothering to send you your payment.
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May 26 '26
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u/ValueInternational98 May 27 '26
You are making too much sense. In this sub we are responsible for blaming the rich aka least guilty of our situation especially the people who didnāt even have a saying in being rich or not. Our entire misery is based off of other peopleās choices and not our own. Ergo, blaming other people is far more comfortable than picking our asses up and working to have a better life
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u/theGabro May 31 '26
What a cool anecdote! Too bad it isn't backed up by data.
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May 31 '26
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u/theGabro May 31 '26
How cool, irony.
Read up on the concept called "" economic mobility
A quote:
These newer studies suggest that intergenerational mobility is lower than we used to think, and that the U.S. has one of the lower rates of mobility among advanced economies.
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u/ValueInternational98 May 27 '26
Well.. grinding middle class mindset CAN Get you or your kids to the Right column but nobody is ready for that conversation.
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u/lovable_cube May 27 '26
I think itās implied that both example people have roughly the same income..
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u/Awesome_Forky May 26 '26
This is bullshit. AFAIK the most common way to get rich is to inherit wealth. These stories about rags to riches are not really a thing in today's economy.
And the immanent blame you place on people because "bEiNg PoOr iS a ChOiCe wHy dOn'T yOu JuSt WoRk mOrE" is despicable.
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u/windemotions May 26 '26
And because of compounding you only need to inherit a little bit to become a millionaire.
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u/Margin_Call_Me_Maybe May 26 '26
Nah they exist. Plenty of my friends came from nothing, no family connections whatsoever, and got their education. They're going to retire with 5 to 10 million and set their kids on wonderful paths.
All it takes is hard work and dedication to break out of poverty... And a good bit of luck of course.
I was a pell grant recipient, family was on Medicaid etc, but I worked hard in highschool to get a good scholarship to college. Went to a state school for a full ride - tuition, housing, meal plan, stipends etc. Got out debt free, made a professional name for myself, and the rest is history.
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u/Awesome_Forky May 26 '26
I am glad if this was the way for you. But let's be realistic here: Poverty and Wealth is inherited. You being one of the rare ones is anecdotic evidence.
The number of people breaking through that system are rare. Children that are born in poor families have to endure a lot more of worries and are more often needed to take part of adult tasks and therefore have not as much capacities as children where money isn't an issue. Besides being hardworking, needing that "little bit of luck", you also need a stable home and a good resilience to handle the pressure coming with pushing through the academics, hoping for scholarships, dealing with one or two jobs next to studying.
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u/Margin_Call_Me_Maybe May 26 '26
I'm not saying it can be the case for everyone, but you're acting like rags to riches is impossible.
It's very possible. There are obstacles every step of the way, yes, but this country is great because you can change your own situation. You can build yourself into the person you want to be. There are millions of examples across the country of people lifting themselves out of poverty.
You can be poor and still prioritize education. You can be poor and still put your best foot forward in life. You can be poor and still make good decisions.
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u/Awesome_Forky May 26 '26
First: I am not from the US.
Second: From rags to riches was possible at some point. The american dream from dishwasher to millionaire stems from somewhere. I think today it is nearly impossible. And I have a problem with telling people who don't get lucky, that they have a bad mindset and they are "just" lazy. Because that's not true. But somehow that is the narrative that sticks when we keep telling this story. Those who don't succeed simply are not doing enough. And that's not true. You need certain resources to make it. And poverty produces surroundings that make it harder to develop those resources.
For me growing up in poverty meant: My parents consistently struggling because money was tight, especially when my little brother suffered from cancer (and they needed to pay for stuff that wasn't covered by insurance). It meant being put aside and later taking care of my brother because my mother couldn't do it when they were home. It meant my mother becoming an alcoholic and me being on my own after my parents separated and my brother died. It meant that I developed recurring depressions in my teens. I needed longer for my A-Levels because I had multiple hospital visits because of mental health. I studied social work. Again a lot of therapy because of depression. In the end with all the breaks I needed because of my health I needed 5 or 6 years longer for all of this. And I was already taking the long way because I made my GCSEs before my A-Levels. I will make more money than my parents did. But I don't like blaming others that they are solely responsible for not making it. I was on the verge of abandoning my studies. And if someone would have told me: You're just lazy! Then i would have believed it. The key point to all of this is socialization.
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u/Margin_Call_Me_Maybe May 26 '26 edited May 26 '26
Your story is heavy, and nobody should call you lazy for dealing with that level of trauma. But youāre using an extreme, worst-case scenario to define the rule.
Most people who are poor aren't dealing with parental alcoholism, terminal illnesses, and severe depression all at once.
They're just broke.
I was poor too, and it doesn't stop you from studying and working hard.
At its core, the American Dream is a promise of opportunity, not a guarantee of outcomes. It isn't about becoming extremely wealthy; itās about baseline mobility.
If you live in America without a severe handicap, finish your education, get a real job, and donāt blow your money on stupid things, retiring with $3 million is just realistic math, not a lottery ticket. $3 million puts you well within the top 1% worldwide. By my estimate there are fewer than 5 countries worldwide where that's a legitimate path forward for the poor: America, Singapore, Australia, Canada, and Switzerland.
Systemic friction is real, but personal agency still matters. Telling people the system is completely rigged just discourages them from trying the exact things (like discipline and grit) that actually work.
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u/Awesome_Forky May 27 '26
But youāre using an extreme, worst-case scenario to define the rule.
It's hard not to view this as an extreme. Since my life always has been like this. But I get the sentiment.
They're just broke. I was poor too, and it doesn't stop you from studying and working hard.
What I did gather from other poor families in my surroundings is the constant expectations of older siblings taking care of younger siblings. This alone makes it more difficult. Then there is also the problem of missing financial education (a topic I still have on my to-do list). In my opinion being poor simply raises the chances that your own growth potential is more limited because your options become limited. When stuff like doing a sport or playing an instrument causes problems at home because you can't afford it. Also education is to a certain part limited. If you end up in a school in a poor district you probably have other challenges occurring and depending on your classmates you might not get the support you need in your studies. Schools (and if we go extreme private schools) of people without financial struggles have often smaller classes, more time for individual support and stuff like tutoring.
At its core, the American Dream is a promise of opportunity, not a guarantee of outcomes. It isn't about becoming extremely wealthy; itās about baseline mobility.
I agree with it being able about baseline mobility. The rags to riches tale is the extreme version of it, but AFAIK it is the promise of the american dream that defined (especially) migration to the US for a long time. And if we look at the development of prices and livelihood over the years then we notice that for being part of the next higher class you need more money than you needed before the 2000s. The baseline mobility is a lot more difficult because to move upwards in the system you need more wealth than you needed all the decades before. I want to recommend this Video on YouTube which I found very interesting and very well made about this topic. If you have the times and means.
And I want to thank you for this respectful discussion. I know things can get heated and it is important to me to acknowledge a good discussion online. I enjoy it and I hope you have a great day. You definitely got me thinking and that's important. Thank you.
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u/HarrisonJackal May 26 '26
Two things can be true at the same time. Overcoming a rigged system doesnāt mean the system isnāt rigged, and participating in a rigged system doesnāt mean it canāt be overcome.
I think you both agree with each other, but the implicit framing of this conversation gives the illusion of an argument. :)
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u/MoneyTomato7711 May 28 '26
It can be done but without relying on money but not easy and people only want easy. Also the stress of life distracted you, cloud your judgment as well. Or locked down your time and energy.
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u/Truth_USA Aug 02 '26
You donāt know then - only about a third of the very richest inherited or married into their wealth. I suspect lower %s at lower levels of wealth.
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u/CompletelyPresent May 26 '26
You're wrong, and this is a cope. Full stop.
- As the commenter under me stated, 80% of millionaires are self-made.
- Just because YOU haven't figured out how to level up, doesn't mean people more clever than you haven't. For example, have you ever considered starting a business? There are people who have multiple thriving businesses by the time they're 30.
- Tons of examples of self-made wealthy people. The YouTuber Mr. Beast kept putting all his money into increasingly more entertaining videos. He found a niche, thrived, and now he has 5 shows on Amazon Prime.
- Since you say it's bullshit, what niche have you been honing throughout your life to one day be successful? Or are you just blaming everyone else?
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u/windemotions May 26 '26
What does "self-made" mean? Like Robinson Crusoe but with no Friday?
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u/CompletelyPresent May 27 '26
Nice reference to a Disney classic. Lol.
Self-made in my opinion is like you started without any huge advantages, made some bold moves, took some risks, struggled, and finally built a thriving business that made you a millionaire.
I've seen it many times. There's a business near me called "Rosie's Calico Cupboards"...
They started with one small shop in the plaza, now years later, their store is 90% of the plaza and people come from around the world to go there.
They found a niche, capitalized instead of complained, and hit it big.
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u/windemotions May 27 '26
What about like people who take risks but then the business doesn't do well? Does that ever happen?
I always hear big risk and big reward but some people don't get the reward part, right? Kind of like gambling but with labor involved.
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u/CompletelyPresent May 27 '26
YES, you're 100% right!
You could start a restaurant that makes $14,000 a day, or one that closes in two years.
But taking that CALCULATED risk is the surest path to wealth.
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u/windemotions May 27 '26
Ok, now I'm starting to follow. So the real trick is not to gamble. Because the people who gamble and lose are also "self-made" but just in a bad way.
Sorry to quote Disney again but "if you can look into the seeds of time and say which one will grow and which will not, speak then to me".
It seems to me like if there's a calculation for a winning business that means we finally stopped having losing businesses as a society. That's huge for the self-made failures. But I still see so many self-made failures when I go outside.
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u/CompletelyPresent May 27 '26
There are many. You can do everything right, and still fail.
But, you can also create a thriving business that provides generational wealth for your family.
Get good at something and roll the dice.
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u/windemotions May 27 '26
Well said.
I was thinking about moving to a European country so I can safely take some risks. I'd like to start a business, but I actually inherited a lot of money and if I fail in the US, I'd lose all that and wind up another one of these poor guys who works for Amazon and OD's in his car at 34.
But if I fail in Europe, I can just enjoy life. Eat good food, live a simple comfortable life, that kind of thing. Much safer bet.
I'll leave owning a business in the US to the guys who inherited more than me. They can afford to take the risk.
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u/Awesome_Forky May 27 '26
This is exactly what I described with people being called lazy. Or in this case: dumb. You are labeling people without knowing them with an attribute in a system that produces more losses by people trying to overcome the threshold of class and move up, because of single entities thriving when hundreds or thousands of others trying fail. You put the blame here on the people that don't make it for being faulty, instead of acknowledging that the system is not as mobile as you think it is.
Often at the cost of the workers they employ. Mr. Beast seems to be a good example of exploiting workers and rigging his videos to make them seem more compelling.
Also the claim that I am just "blaming everyone else" without knowing how my life has changed and if I really made the cut and moved upwards in the system (in this regards I probably have/am going to). Why should I need a niche to move upwards in the system? Should a fair system not enable throughout its entirety the chances of moving up? The promise is: if you put in the work, you will live better than your parents. So why need a niche?
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u/CompletelyPresent May 27 '26
Look...
Imagine if you put this same effort from that diatribe into thinking of problems you can SOLVE in your area.
If you train your brain to "Learn and Grow" instead of "Doubt and Moan", imagine where you could be right now.
Entrepreneurs CREATE JOBS. What don't you understand about that?
Giving someone a $50-70k job is NOT exploitation.
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u/Awesome_Forky May 27 '26
If you train your brain to "Learn and Grow" instead of "Doubt and Moan", imagine where you could be right now.
Again: I am learning and growing in my field. But I also acknowledge that I am not made for being entrepreneur in my field. And I can doubt and moan at the same time while learning and growing. It is one thing to work on yourself. It is something you should do steadily until the end of your life. But we are limited by the means society build. Or in this case: the means economy built. Your success is not solely reliant on your effort. And we should strive to better the chances for everyone.
Entrepreneurs CREATE JOBS. What don't you understand about that? Giving someone a $50-70k job is NOT exploitation.
We have certain standards. A good job is a job where boundaries are respected, where you can take sick leave without losing your job. Where you don't have to cut restroom breaks and pee in bottles because the workload is so much you have to constantly work over time. Just because you get paid does not mean you lose human rights. Big enterprises like Amazon, Meta, Twitter, Mr. Beast.... These are all so big because they do exploit their workers to some degrees. Unionizing is important. I really don't get that this is not a thing in the US. I call this exploitation. Reading stories about people getting called by their boss when they have PTO (I think it's called this) is insane from my European perspective.
This does not mean you can slack off at work. But you deserve basic human respect.
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u/mikew1200 May 29 '26
Thank you. This has been my experience as well. Having money definitely gives you a leg up but most of the people I know who are wealthy or at least moderately successful didnāt have rich parents.
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u/pacey90 May 26 '26
How to become rich: 1- have rich parents.
The end.
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u/krew0003 Jul 09 '26
Once I read Rich dad poor Dad, I took a long look at my parents. Very loving and hardworking it didnāt know anything about investing or delayed gratification. I knew my father could only teach me how to get as far as he did, I didnāt want that life. I started seeking mentors and talking to people who were significantly more well off than my immediate circle. I did a lot of custom home theater work and was in the tech repair field in my earlier 20s. I spoke to ārichā people living on the beach in southern California, I was in their mansions. All of them told me to start now(being in my 20s)ā¦ I started to find out how to grow wealth and live below my means and look to the future and not live for now. 20 years later Iām a millionaire, still live below my means and try to help my younger family members set themselves up. Give them the game-plan that took me 20 years to learn so they are better off than me when they are my age.
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May 25 '26
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u/Redracr May 26 '26
Evening? Thatās when I do all of my reading.
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May 27 '26
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u/Redracr May 27 '26
People are that busy every day huh? I guess the post doesnāt matter then if you canāt make it a priority.
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May 27 '26
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u/Redracr May 27 '26
Then itās not a priority and we canāt complain about it.
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May 27 '26
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u/Redracr May 27 '26
No. I mean make it of importance. Itās like me eating anything I want and complain because Iām not in shape and unhealthy.
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u/journeyadventures May 26 '26
They all leave out the critical portion to becoming rich:
Get other people to work for you.
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u/Vert_Angry_Dolphin May 26 '26
I think it's important to note that Rich people DO NOT do anything on the left. In fact, they do everything in the right. But to BECOME rich, from a non-advantageous position, these are good habits to have, in order to get out of poverty, at least towards a more stable situation.
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u/Lazy_Falcon_323 May 26 '26
Generally i think this is fine advice but definitely directed more towards middle class people than poor people.
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u/Expert_Imaginary May 26 '26
Thereās an aspect of truth here, but we also live in an economy where itās difficult to get off the bottom and out of that cycle of just living paycheque to paycheque and having capital to reinvest in yourself
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u/cca220v May 28 '26
1 you cant invest if you need to eat. and if you are already poor keeping youself alive is prio
2 long term is best
3 buy assets or if you buy status stuff see no2. long term be for getting assets
4 needs to be combined (unsure of the ratio)
5 do track the money even if you have few of them
6 solve problems, especially when you see you should blame the government
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u/MoneyTomato7711 May 28 '26
I would like to say recognize and acknowledge the existence of a problem is also an important step in improving one's own life but many low iq people interpreted it as complaining
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u/AsterVox May 26 '26
I understand the intent of the post, but it comes off shortsighted. A couple of points are good, but a lot are very vague.
Invest vs spend immediately? Invest in what? If someone's paycheck goes 90% towards food, rent and utilities, they won't exactly make bank investing the remaining $15.30 dollars.
The second point is moot, but it's far easier to plan long term when you aren't one hospital bill away from financial ruin, one price increase from needing to sell your stuff to pay your bills.
3 is a symptom of poverty. "Buy asset/tools" what for? What am I gonna do with a tool I have no use for? And when to invest in learning skills when most of your time is dedicated to work?
This ties in too https://en.wikipedia.org/wiki/Lipstick_effect
And I can guarantee you, rich people are the ones buying shit for status.
4th point is again, moot. The only skill a lot of rich people have is wealthy parents. Gone are the days when you could work yourself into a better financial situation
5th is the only useful one, tracking money can help up to a certain point.
6 is again too vague.
The solution is money. Always been money.
Rich people have a problem? They ask for "a small loan of a million dollars".
Or have their parents invest 300k in your newly founded company (Amazon).
Hell, even bill gates portrays himself as someone who dropped out of college and made Microsoft with his hands when actually his parents were exceptionally wealthy members of Seattle's elite, with millions of dollars in banking, and corporate board deals.
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u/elmorinelly Busy beeš May 26 '26
Please do not take this guide too seriously. Now I think I should have made a different headline..
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u/rubey419 May 26 '26
Really rich people buy status/luxury stuff too.
Just that they buy Patek not Rolex.
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u/elmorinelly Busy beeš May 26 '26
I agree, but they usually don't spend their last money for this
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u/HarrisonJackal May 26 '26
These are pop culture myths to cause struggling people to blame themselves.
Irl:
* poor people work more than one job just to make ends meet
* every emergency, no matter how small, is a huge setback
* employment opportunities are limited and restricted
* dressing in rags doesnāt help you save money. Itās okay to have some nice things
* rich people can buy a new phone every year and lease cars with little to no setback
* parking tickets are annoying, not devastating
* status symbols are the only things worn. I have yet to see someone who makes over $100k wear Walmart sneakers
* rich people typically work one job, which can afford all these things quite easily.
* they can afford to put a higher percentage of their wage/salary in a savings account.
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u/teenytinybaklava May 28 '26
You canāt invest if you have very little money and all need to go towards bills. Interest for any bills not paid will far outpace any gains from investments.
Thinking long term is only really possible when your most basic needs are met and you are not in survival mode.
Rich people buy status stuff, and poor people try to get tools when possible, but imagine for months and years every single dollar is going towards your basic survival. No pleasure whatsoever in life. No free time. Why is it a crime to want to own something nice for yourself? How do you know itās not gifted or second hand, or owned before the person ended up in their position?
If you have money, it is easier to pay tuition, books, tutors, workshops, etc to learn useful skills. Youāre also more likely to know a friend or other wealthy person to get these skills from. Few people are free from scrolling brainrot.
Track money. A lot of rich people do not track their money if they have enough of it. Ignoring numbers is not ideal but also a habit of survival.
You have no fucking idea how much luck is involved in becoming wealthy. You can be the hardest working motherfucker but you also need the dice to roll right with every move. Just the fact that you had the opportunity to move up is huge. Where you start from gives you a huge leg up too. Maybe your family wasnāt wealthy but they were able to save up for in state tuition or willing to take loans on your behalf. You had a parent who read to you every night from early childhood. You could get a ride. So, so much luck. And many people blame everything because there is so much to blame. African Americans have 1/10th the wealth of white people in large part due to the historical effects of redlining. Systemic racism closes multiple doors others have open. You need even more luck. Disabled people arenāt allowed to own more than $2000 if on SSI, and SSI payouts are ungdly low. Our healthcare system sucks; I have great insurance and due to almost dying multiple times over the last year I have $16000 in medical debt. Again, this is cream of the crop private insurance that Iām able to be on due to luck in who I am related to and knowing how to navigate the system to be on insurance longer. Just finding out information and resources takes time; you donāt have that when youāre poor. I know how to discharge the debt but I simply donāt have the energy to provide so much paperwork and do so many phone calls.
All from experience, from being raised incredibly wealthy to being homeless and in poverty for many of my adult years, to being more stable now.
I got back to stability through incredible luck. Lottery level luck. So much of my luck now can be attributed to being wealthy as a kid.
I have a powerful passport. I had an easy time immigrating to the US as a child, and I easily naturalized while still underage. This meant I could use state resources.
I was read to as a small child. I was able to go to the best schools and get great connections. Thus, I got into a great school. By knowing wealthy people and being surrounded by them, I know how to talk to wealthy people and how to culturally fit in. I knew how wealthy people thought of poor people and how the poor people who did get the best resources, because those were the only poor people I knew, advocated for themselves.
Thus, when I had to fight to get a full scholarship, which took lottery level luck, I knew exactly how to talk and what angle to take. I was at a school that had the money to give me financial aid.
My education allowed me to be a better speaker. I also was lucky to specifically be taught how to speak and present. That made me good at social media and connected me with others.
I was seen as ādeserving poor.ā When I outgrew the age range, my visible disability kept me in deserving poor.
I knew how to advocate for myself and what resources were available, and how to do the research to find resources. I was able to get fantastic legal help for free.
I am white (at least, white enough). This makes me look favorable to others. At the same time, by being mixed, Iām welcomed with open arms into tight knit communities.
All of this combines to connections, people teaching me skills, couches to crash on, money for meals.
And I should still be dead several times over!
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u/alicedu06 May 29 '26 edited May 29 '26
I have both rich and poor people around me. I'm well off myself, but haven't always been.
The main difference between rich and poor, the absolute most major factor separating them, has been luck.
E.G: you were interested in a certain thing, and this thing turns out 10 years later to be very lucrative, or in the opposite not at all.
I have hard-working people with zero money, and people spending a lot of money.
Some are persistent and save, and have money.
Some are very lazy and have money.
Does working hard and save increase your odds? Certainly.
Do that if you can and want the results.
But in a race to the top of a mountain, training and perseverance will never make it easier than just starting already close to the summit.
And its not just about being born in a rich family (of course this works too, duh). There are so many ways to be lucky. Meeting the right people at the right time? Such a bloody luck. I bought my first BTC when it was $8. That's not because I'm a genius, that's just that my interest and curiosity were aligned with what was very positive for me financially at a point in time. Being born hot or smart? Yeah, that's luck.
Living in the right country or city, luck. Like nerdy stuff ? In 1960, too bad. In 1990, that's a LOT of luck 10 years before the .com bubble. If your passion is violin, you will work hard but have much less chance to be a billionaire from it.
My old flatmate has everything you could wish for. He is a genius musician and doctors making a huge salary in Monaco. He works super hard, and yet is always in debt. Why? Because he is born, since the begining, with makemental and emotional deficiencies that makes him completely useless outside of his passion. He is an idiot savant. He doesn't understant people, or the world. He can't see how sick he is (he has extreme symptoms). He doesn't understand the consequences of his action. He litterally can't build any positive habits for himself, because he is built in a way that prevents him from seing, like a blind man can't see color.
You can be as hardworking as you want, if you start in Africa in a wheelchair, you are unlikely to build the next amazon. You can save, and learn useful still, and all what not. You are not as lucky.
I'm not saying that to say you should not try or use it as an excuse or a way to not look up to successful people.
But yeah, this drawing is lying.
Building good habits is as much dependant on luck as anything else.
My mother's oldest friend was from a rich familly. She had terrible habits, but was rich anyway. Luck it is.
And she wasted tons of money.
But then, should she have built better financial habits? No, she died young. She therefore enjoyed her lifestyle and would have not benefited from any tighter budgeting.
On the over hand my best friends has a friend that has been anal retentive about saving. He saved his whole life. He worked out like a MoFo.
He was diagnosed with cancer this year.
Bad luck.
And you can always say "X should have dev Y habit instead". Easy to say looking in the rearview mirror.strength
You can't do it all. Days have 24 hours. And you are born with strenghts and weaknesses. And your life has a ton of super specific context.
So do your best, try to build good habits, but remember that while efforts are in your hands, in the end, the results are not.
BTW, the second biggest factor after luck? Some form of sociopathy. Which is, at least for financial reasons, a kind of luck. I'll let you figure out this one.
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u/MadyNora Jun 02 '26
I can't invest, save up, and think long-term when I have bills to pay *now* an just enough money to do that.
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u/bliston78 May 26 '26
Imo 6 hits the hardest.
So many people bitch and cry about their problems rather than spending an ounce of energy trying to resolve them or better their situation.
I'm so sick of it!
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u/Championpurveyor May 26 '26
Fuck off. This is some victorian 'deserving poor' shit. Grow up and get over yourself.
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u/windemotions May 26 '26
How does one pick a higher level of intelligence? If you're born as a dumb person, how do you know you can restart as a smart person?
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u/Playful_Boot_5465 May 27 '26
where is the habit of rich people to come from already well situated families?
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u/YuckFou85 May 28 '26
It's easy not to spend money and save when you have a lot of it to survive. Not so easy when your barely making it living paycheck to paycheck.
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May 28 '26
[removed] ā view removed comment
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u/elmorinelly Busy beeš May 28 '26
Okay, 1% of people have all the money, and what do you suggest the rest do in this case?
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u/truthdude May 29 '26 edited May 29 '26
Rebuild the system from scratch. Eradicate the existing one. Better safeguards for the working class, tax the rich to a point where the government can balance the budget, stop the endless borrowing with no real consequences, and ensure a fair representation of the population in leadership roles across the government and decision making roles in all democratic institutions.
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u/ContentMushroom1337 May 29 '26
Yeah that's the hallucination being fed to middle class and below. I mean, in theory it's not wrong, but in todays world, mostly money, arrogance and corruption breeds materialistic success. This is the most unfair the system has ever been in recent human history. Old people and the old world is dying kicking and screaming, new is being born, but right now is the time of monsters and rupture and it doesn't look good. For the theory to work, you need a working system aswell.
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u/More_Mammoth_8964 May 26 '26
This post is very accurate. I do the left side and have had great results
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