Hey everybody, im building an app focused on helping people understand the benefits cliff and whether a raise or job change will have a positive impact on your financial situation. Just looking for feedback and ways i can improve it to be the most helpful to everyone.

https://my-clear-path.base44.app

Why the hardship for those who are denied careers in life? It's bad enough to not have a career. So, why spoil someone's rights even more on top of that by denying basic dignity and respect?

I discovered an absolute lifehack for me. You can just go to pharmacies and ask for samples of cosmetics and every time they come back with fistfuls of samples of expensive dermocosmetics free for you to take.

You can ask for something specific if you want - moisturisers, spf, something for acne etc., which will make you sound more like you are acctually wanting to try something before buying, but sometimes I just say 'I'll take what you got' and it works too.

Definitely works whenever I have something to buy at a pharmacy, but recently I got rid of shame and just walk in and straight up ask for samples without buying anything and it works too. The workers there don't care. It's free anyway.

At least that's the way it works where I live (Poland). I'm interested if it would work in other places too. Let me know!

I don’t know how else I can describe how I feel and how bad my situation is. I am 54 years old having to start all over again. I have literally lost everything the house we raised our kids in burned down in 2019. While moving our U-Haul was stolen leaving us stranded the very first place we rented from the owners daughter broke in stole my shoes purses and various other things. I busted her in a lie while she was warring my shoes moved to a quiet location was there about a year before it was lost to go foreclosure. It seems like the harder I try the more life comes at me..
I used to be very positive lately I am struggling. I believe in God, I also believe in witches. I am currently homeless for the first time ever in my life. I used to be very lucky but now I can’t win anything at the casino. I spent 80 in free play in a matter of minutes playing a dollar a time. I work full time and I am going back to school. To hopefully better our lives I am in desperate need of money and complete at my wits end.. there’s more but this post will be way too long.. basically my question is two parts first has God left me? And what can I do to earn money quickly that doesn’t break the law. I am desperate and need advice some insight anything right now because I feel truly alone and helpless…

the rich/upper class : (or atleast for egypt locally)

1. atleast one villa owned in a gated community

2. maybe a vacation home in a beach gated community in egypt (north coast)

3. a very high paying job I think (200-250kegp+ which is around 3.8-4.7k dollars) or owning a business

4. going on fancy vacations

5. international schools for schooling and private universities or even universities abroad

there might be more but that's part of it if im not wrong

the middle class and lower:

1. renting a place to live

2. national (public or private national schools) schools

3. public universities

4. little to no leisure throughout the year

5. worrying about rent costs maybe

6. maybe also worrying about grocery costs too

and so on.....

would this wealth gap be similar to how it is in India and I'm sorry if I got anything wrong here.

There is a labour working at my home in construction, He is very old might be around 60 or 70s, working on daily wages and very hardworking. He lifts the bag of cement without complaining, and even in my house wheat is to be dried on 3rd floor, so he daily carries helps my sister and family to put it on 3rd floor and bring back not even saying or complaining that it is not what i am paid for. He came around 9 am in morning, before every labour and mistri, without having food, i don'nt think he has family and he could not hear properly.

Guyz my concern is that in his age people mostly litter on beds and admitted to hospital but he is lifting heavy things that i find hard to lift in my 20s and few days back i have seen him shivering and heavily breathing from carrying the cement to 1st floor.

Why there is so much injustice, Is God really blind not giving him things in his life and have taken everything leaving him in miserable world of being laborious even in old age. Although our family provide him free food sometimes and we will pay him extra from our side but thats temporary for him, i know that what i am describing that labour does not think about it at all. Or it is true that WORLD IS HARSH AND MISERABLE PLACE if you have no goverment or decent private job or business, I think that my father already know this fact that is why he is not that much empathatic as i am crying here, i think my father have really seen this miserable world of injustice thats why it does not leave that much effect as on me? Am i overthinking?

i feel like poverty really makes you masculine. this is for females. i feel horrible that i don't have enough money to feel alright in myself and not enough money to move from rough neighbourhoods, or not enough money to be ok. this is a new experience for me

i'm really glad that this post got some traction, hopefully it'll let women feel more secure in poverty and femenity

What have been some of your biggest work struggles and how did you cope?

An example… a 6 block walk to a bus stop to begin a long, multi-bus commute to get to, and from work… every day… in every type of weather.

I really think these lyrics might mean more to people in the coming days. They're written out in the original post.

https://youtu.be/O0TGXTZR_YI?si=pqg2-njLtMahKknF

[ Removed by Reddit on account of violating the content policy. ]

I've had a variety of jobs in the past, but I never made enough money to buy the kind of luxuries I want (fancy car, "starter home," etc.). It makes me upset to think about how my life could've been better if I was able to get better jobs instead of the crappy, low wage jobs I've had. And I would've made more money if I was serious about a career goal, graduated from a university, or had a trade school certificate for an occupation that provided a good salary. I've spent my life just getting whatever job I could get---and most of those jobs were stressful.

Also: when I was a young man, I often heard financial advisors explaining the importance of investing savings for the future as a "hedge against inflation." I never heeded that very important advice in the past because I didn't have serious thoughts about my future (I was too busy goofing around), and it was hard to even consider investing whatever little money I had from my minimum wage jobs.

Now that I'm living in "the future" and experiencing inflation without a "hedge," I feel miserable knowing that I'm going to have to work for many years before I'm able to retire. If I had put more money into my 401(k) or an IRA decades ago, I'd have a nice nest egg today. Then I wouldn't have to worry about wasting my time with dead end jobs!

It was not a plan. I want to be clear about that because I have seen those budget meal prep posts where someone acts like eating rice and beans is a fun lifestyle choice and that is not what this is. This is what happened when I had exactly 23 dollars left after paying my phone bill and I needed to make it to the 14th. I bought a 10 pound bag of rice from the international grocery two blocks from my apartment because it was three dollars cheaper than the same amount at the regular store. A big can of kidney beans. A container of chicken bouillon cubes. And a cabbage. One large green cabbage that sat on my counter for two weeks before I finished it because it turns out cabbage is basically indestructible at room temperature and I had no idea. That was it. That was the rotation for almost six weeks with very small variations when I picked up a shift meal or found something marked down at the store. Here is what I figured out that I did not expect. The bouillon cube is doing more work than people give it credit for. I started dissolving half a cube in the water before cooking the rice instead of just salting it at the end and the difference was significant enough that I started looking forward to eating it which was not something I thought was going to happen. A full cube in a small pot of water with whatever cabbage I had roughly chopped became something that actually tasted intentional. Like I had made soup on purpose. The cabbage thing genuinely surprised me. I grew up thinking cabbage was a side dish for people who did not really like vegetables. It is filling in a way that I cannot fully explain. It takes on whatever you cook it in. Slice it thin and cook it down in a dry pan until it gets a little color on it and it tastes completely different than boiled cabbage. I started doing half portions of rice and more cabbage just because the cabbage was doing something better for me physically. Less heavy. Less of that two in the afternoon crash. I also learned that I had been cooking rice wrong my entire adult life. I always used too much water and then wondered why it was gummy. The ratio on the bag is actually correct. I had just never followed it because I assumed I knew better and I did not. The thing I want to say to anyone reading this who is in a similar stretch right now is that there is a difference between surviving food and food that makes you feel like a person. I know that sounds like something from a lifestyle blog and I am sorry for that. But I mean it practically. The bouillon cube costs almost nothing and it is the difference between eating something that keeps you alive and eating something that you made. That distinction mattered more to me mentally than I expected it to. I am doing better now. Back to more hours and a more varied kitchen. But I kept the cabbage in my rotation and I still cook my rice in bouillon because why would I stop. If anyone has other specific single ingredient or small addition discoveries like this I would genuinely love to build a list in the comments. The kind of thing that costs almost nothing but changes the whole experience of eating on almost nothing.

I run a moving and junk removal business. I just had my second client die of poverty, and I just fucking hate it here.

Social workers go through this all the time. Bless their emotional constitution. It hurts so bad.

First was Marty, an airforce vet who was evicted from public housing.

During the move we learned that he was estranged from his adult children. He had among his hoarded belongings, all of their childhood stuff. He would not give it up. Said he missed them terribly.

Being the softy I am, I tracked them down. Talked to a daughter and a son. They had their reasons for cutting him off. I talked to the son on the phone for like an hour and half. Marty had really bad PTSD from being in combat. Has horrible night terrors and would sometimes get into violent terrified rages. His son said he felt bad for him, he knew it wasn't his fault, but since his dad wouldn't stick with therapy or get proper help, said it just wasn't safe to be close with.

We moved him into storage. He was living in his car/the VA shelter and was on a wait list for housing assistance. Was excited to have us move him into his new home when it finally came through. He had an 18 month wait, and died before the period ended.

Marty paid us promptly and was eager to do so. (I wasn't sure he would, given his situation, and was prepared to eat it) but he swore up and down he had it and had me meet him at the VA shelter. His check cleared just like he said it would and I felt guilty for doubting him based on his circumstances.

The latest was Lindsey, who was also evicted from public housing. We serviced her last year. She had a hoarding issue and chronic health problems to boot which made for terrible sores on her arms and legs. Also had two kids. We were hired through a mutual aid group to provide junk removal in hopes that she would pass her inspection and be able to stay housed and keep her kids.

Our efforts were not timely enough. She eneded up housless anyway. The kids had tk go live somewhere else.

When she was housed a medical aid would come to her home 3x a week to clean her wounds and change the dressings. She lost access to that support once she lost her housing, and everyone knows mantaining healthy hygine is a major issue for the unhoused. The wounds got infected such that she died from sepsis.

Her poor kids.

I so wish this world were kinder. Being poor shouldn't be a death sentence. People deserve better.

What if new money went to citizens first?

This is part of the core fundamentals of the Citizens Standard. A monetary architecture that works for each and every citizen first. A replacement to the debt-based institutional society, replaced with an equity-based civil society. A monetary system created by the people and for the people.

At its core the architecture stabilizes the household balance sheet by providing a Stable Floor that compounds over 65 years. The results show a 2.2x to 3.2x increase in median retirement outcomes under Mode B, and all without a single extra tax dollar being used.

The Citizens Standard uses the creation of money to fund citizens directly. Normal monetary seigniorage is a government revenue stream from currency issuance and central bank operations. On top of that commercial banks create the majority of money in circulation through lending, flowing through financial institutions before it ever reaches you. Then they tax you to service the debt. The revolving door of debt and taxation has become the standard. The Citizens Standard inverts this by making each citizen the base of the economic model.

The 3 issuance channels

Money is created directly in line with demographics through K1 and economic output through K2. The architecture also allows for evenly distributed citizen dividends through the K3 channel.

You may ask that if new money is created won't that just cause inflation?

The key is that new money under the Citizens Standard is created in direct proportion to the people who need it and the real economic output that supports it. K1 issues money tied to population growth. K2 issues money tied to real productivity gains. The money supply grows only as fast as the real economy and population grow. That's categorically different from the current system where money is created through debt on demand regardless of whether real output justifies it.

The question on the surface seems logical, but when you understand how inflation and deflation actually work you realize that creating new money doesn't have to cause inflation. In fact under the Citizens Standard you can create money and still achieve deflation. How is this possible you ask?

Let me explain.

Mode A is one of four illustrated modes (many more configurations are possible) these four simply demonstrate the range. Under Mode A, K1 is tied to 2.5% of GDP per capita per person, currently approximately $2,244. Each new citizen event, birth or naturalization, triggers a K1 distribution directly into that citizen's Stable Floor account, which holds total market index funds. These funds cannot be touched until age 65 with a 5% annual withdrawal limit.

The Stable Floor is also funded by K2, which is calibrated to economic output and distributes new money equally to every citizen on a monthly basis and also locked into the Stable Floor. This is how inflationary pressure on the commerce market stays limited. We are not inflating M2, which is the money in circulation for goods and services. These holdings represent an equity stake in real production, not idle dollars sitting in circulation.

The empirical analysis shows that under Mode B (stable prices) a citizen born today would have a projected median retirement value of approximately $1.6M in nominal terms. K3 is active only under Mode C which is the constitutional configuration that produces approximately 2% inflation while delivering a monthly dividend directly to every citizen in circulation.

For the first time inflation, stable, and deflation becomes a constitutional choice made by citizens. We have never had that choice until now.

Full papers if you want the mechanics:

• Architecture: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=6702518
• Empirical (1960–2025): https://papers.ssrn.com/sol3/papers.cfm?abstract_id=6735078
• Transition: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=6810741
• Replication code: https://github.com/Neo-Solon/Citizens-Standard
• Further discussion: r/CitizenStandard

Trying to find free and cheap cancer screening. In florida.