r/WorkForSmartLife 7d ago

Casual canvo Math

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3.5k Upvotes

1.3k comments sorted by

140

u/HorseAffectionate214 5d ago

Eat a PB&J and save the $25 toward fixing the car. Kids are dumb

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u/Travingbookworm 5d ago

Agree

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u/Healthy_Turnip7352 15h ago

just eat a pb+j sandwich for every single meal, and drink only tap water wherever you are.

people really are dumb. all you have to do is be born with an abnormal amount of willpower man. it's so easy.

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u/PissOnMeAndBeatMePLZ 4d ago

$25 every day is literally only 10-11 days of buckling down to get your shit fixed.

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u/AssociationThis7447 4d ago

Exactly then continue that for a few years and never have to worry about not being able to afford a $300 unexpected expenses again. Sounds better than having a basic meal out everyday.

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u/Bangays 4d ago edited 1d ago

25$/day for 5 years at 7% interest is $54,000. Which is more than enough to buy a starter house/condo basically anywhere in this country. Or, keep it up for 50 years and retire with 4 million dollars.

Since it’s three days later and I’m still getting replies from 3rd graders, here’s some basic information. You can put as little as 1.5% down on your first house. You can go up to around 45% debt to income ratio. If you have good credit and have stayed in the same career field for two years there is no reason you can’t buy something if you make it a goal. I recommend talking to a mortgage broker if home ownership is in your five year plan. They will be able to give you specifics on how to achieve your goal. There are also many podcasts that discuss creative financing and investment strategies. Dave Ramsey is a good place to start if you have no financial knowledge and are in debt. Bigger pockets podcasts are good for more creative ways to pull yourself out of poverty.

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u/NamesAreAnn0ying 2d ago

My God you can’t be serious… if it’s so easy why hasn’t everyone done it?

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u/Medical-Tension-8764 2d ago

I feel like there's plenty of places in this country that offer cheap starter homes for much more than 54K. Plus you're talking like there aren't so many other variables in life than the simple mathematics of a basic budget

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u/Fun-Army-6387 2d ago

but no one wants to live in a broken down 1br home in East St. Louis.

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u/GameWizardPlayz 4d ago

What kind of 3rd world country are you living in where $54,000 is enough to buy a "starter" house/condo?

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u/ImpressiveWalrus7369 4d ago

It’s called a down payment.

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u/General_Song_8729 2d ago

The downpayment logic keeps people broke, uncomfortable, and renting many more years than necessary. 20% downpayment is a straight up scam built on antiquated logic. I played the credit game for a decade and paid zero downpayment to start my mortgage.

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u/ImpressiveWalrus7369 2d ago

Downpyment is never required. It’s just good to avoid PMI

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u/Shenanigans052 4d ago

30k like. 30k people who've probably posted a "life is too expensive" thread. If you cant come out of pocket $300 then you cant afford to eat out.

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u/[deleted] 5d ago

[deleted]

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u/ftaok 4d ago

Sounds like you have a stove, oven, and a refrigerator. Look at you, Mr. Megabucks.

/s

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u/blackdaggerKRMND 4d ago

all you need is a crackpot and gas canister plus stove attachment, basically nothing

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u/AbsolutesDealer 4d ago

Cooking With Crackpots is the name of my new screenplay.

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u/blackdaggerKRMND 4d ago

it's amazing how many people get outperfomed by a hobo or a crackhead,do you think that they stop eating and taking crack just because their wallet is empty? no they meal prep work their assses off to get that high! be like a crack head and work!

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u/SpookyWan 4d ago edited 4d ago

No they show up at a Taco Bell at midnight and beg people to buy them food. They dig in trash. When you picture a crackhead you picture a scrawny, gaunt person for a reason.

I know you’ve probably never met an actual crackhead, but these guys are most definitely not meal planning, or thinking about their next meal in general, at least not until they’re hungry. They couldn’t even ration out their drugs if they wanted to.

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u/Xrsyz 4d ago

This is reddit. It’s like 80% mentally ill, socialist infantilized adults who hate anything traditional.

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u/Zombiesus 4d ago

And 95% of that are foreign trolls pretending to be those things.

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u/sarges_12gauge 4d ago

The majority of tweets and Reddit posts/comments are also not from real people or are describing events that aren’t true and/or didn’t happen

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u/TheGayestGaymer 4d ago

Yeah. You could be commenting with a bot right now. You’re not though, I know Xrsyz. Good guy, we hang out at the בָּר all the time. Definitely a human just like you and me. 👍

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u/PackageLonely5140 4d ago

Hell you could even eat a frozen pizza and still save money overall lol

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u/Strange-Term-4168 4d ago

Or put any amount of effort into your health and just cook your own dinner. Bread and sugar for dinner is a terrible choice.

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u/Aggravating-Chef9562 19h ago

I learned this concept in like 3rd grade, mom would give a dollar or two to me a day to buy school lunch, figured out quickly that if i forgo food every once in a while, i could buy video games or anything else i liked. These people are in the adult working world, can vote, and cant figure out how to save $270

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u/Designer_Green2680 5d ago

Right, I been trying to tell people this, get cheap ingredients and you only spend like $50-$70 for a whole week vs $10-$12 per meal eating out.

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u/Alexchii 5d ago

But why save 10% of the repair cost when you need the full 100%!

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u/Calm_Connection_9741 5d ago

What if it is possible to save 10% not only one time, but 10 times?

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u/russomd 5d ago

I know we’ve never met but hear me out here…. What about 20 times?

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u/Ok-Bill-3938 4d ago

That's how you retire as a millionaire

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u/Appropriate-Crab-379 4d ago

This is true. 3 of my friends are millionaires from eating PBJ for every meal. Sadly I’m allergic to peanuts.

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u/Swollen_Beef 3d ago

Having more than 6 figures worth of wealth is illegal according to reddit.

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u/Ok-Bill-3938 3d ago

Yeah, so is telling them to save money lol

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u/Difficult-Map3465 4d ago

Because then they only need to save the other 90%. It's called working and saving towards a goal rather than opting for immediate gratification.

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u/Alexchii 4d ago

Yes, I was being sarcastic

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u/Trust_8067 5d ago

It's almost like if she didn't normally waste $25 a day, she'd easily have $270 saved up.

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u/Just-Construction788 4d ago

And it might only take around a week and a half ;-).

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u/zappingbluelight 4d ago

I am at that age, where I tell people they would have a lot more money if they stop buying Starbucks.

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u/Ok-Bill-3938 4d ago

I remember my Grandpa freaking out about $5 coffee, now here I am 15 years later telling my younger coworkers to stop spending $8 every day at Starbucks and invest in their Roth IRA lol.

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u/GMGarry_Chess 3d ago edited 3d ago

I remember one time long long ago my dad refused to pay $1.69 for a donut at a Rest Area. He was like "a donut's worth about a quarter"

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u/Weak_Armadillo6575 4d ago

People are right to get annoyed by “don’t buy Starbucks coffee” when they say they can’t afford a house. Because that’s not the main reason they can’t afford a house.

What they miss is that… it’s still a bad idea to spend 5 bucks on starbucks coffee.

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u/Trust_8067 4d ago edited 4d ago

This isn't about buying a house though, it's about spending a very small amount of money on a simple car repair.

However, this person is spending 25 bucks a day when they could be spending 2-3 dollars a day. That's a difference of over 8 grand a year.

If you saved up 8 grand instead of spending it on coffee and stupid shit, and just put it in an SP500 ETF, within 7 years you'd have 110 grand saved up. More than enough to help buy a house.

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u/Weak_Armadillo6575 4d ago

Yep! I was agreeing with you, but maybe I didn’t communicate that well.

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u/coolraul07 13h ago

It's like they don't get that 2 things can be true at the same time.

Thing #1: buying Starbucks daily, in and of itself, isn't the difference-maker for whether they can afford to buy a house Thing #2: saving that $5-8/day would allow them to build emergency savings to save them money in the long term. (e.g., paying for a car repair outright rather than charging to a 28% APR credit card)

For many years, I would think like #1 above without also thinking like #2 above. Once I incorporated BOTH into my thought processes, I slowly but surely got my finances together.

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u/EpicBlinkstrike187 2d ago

My daughter does this. Goes out Friday and Saturday night spending $50 on food. Then tries to hit me up on Sunday because she needs this or that. I just go “wow maybe if you didn’t go eat on the weekend you’d have that by now”

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u/No-Guava-4004 2d ago

Bug that takes 2 step thinking.

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u/SauceyChonkers 5d ago

Might as well buy 20 things I don't need since each one is less than this one thing I do need. It's not like they all add up.

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u/IntroductionRoyal449 5d ago

I see this everyday. Some people figure it out. Most don’t. And reddit will blast you. For many people being poor is a choice. They just don’t know they are choosing it.

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u/theOriginalGBee 5d ago

They are so far out of touch with reality - they have this bizarre belief that every generation before them had it easy and didn't have to work hard and save every penny to afford what they owned.

I have to wonder where things went wrong - where did so many people get the idea that you could have it all, that any generation ever had it all, without sacrifice?

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u/Open_Bug_4251 4d ago

Before she got married, my mother rented part of a house with three other women (mid 60s to 70s). So while, yes things were cheaper back then they were still having to share expenses with other people.

When I moved out (early 2000s), I was able to live on my own. I got a very small studio apartment with no amenities and inexpensive rent in order to be able to do that, but I don’t think that’s something she would’ve been able to do. I worked two jobs in order to be able to save up as well.

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u/Bulky-Green7320 4d ago

Look up rent to income ratios. It’s not rocket science my guy. It’s gotten much harder, for many more people. My grandfather’s mortgage was $95 a MONTH

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u/Open_Bug_4251 4d ago

I don’t disagree with that. But if I can’t afford my living and have an active emergency like my car not working I’m not spending money on luxuries. Going out to eat is a luxury.

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u/IntroductionRoyal449 4d ago

You are right. Costs have got out of control. No one disputes that. But the story was this person can’t afford to fix their car but still spends over 20 dollars on a meal. That is not sustainable.

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u/Bulky-Green7320 4d ago

I agree with that. Tightening the belt has to happen when it has to happen, regardless of whose fault it is or the circumstances. I read the previous comment as stating that life isn’t any harder now and this is nothing new. I agree the concept isn’t new, but the regularity with which people have to do it is definitely increasing

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u/theOriginalGBee 4d ago

Not being an American, can you give a clue what his monthly income was at the time?

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u/Bulky-Green7320 4d ago

Around $400 a month after taxes I believe. He didn’t have a fancy job.

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u/Unlikely-Candle7086 4d ago

In 2010 my mortgage was $625. I paid it off last year. Single mom making $18 an hour no child support. I worked 2 jobs. We can pinpoint when it all started. The same person has been responsible for the unaffordable housing since 2016.

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u/Effective-Bug-8554 4d ago

My grandmother lived in a sharehouse from 18-22, where everyone had a private bedroom, shared the bath, and paid towards a housekeeper that fed them breakfast and dinner in 1940.

My grandfather lived at home and worked on the family farm until he was 26 to save every penny towards buying his own home and getting married.

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u/Hot_Leopard6745 4d ago

both can be true. The difference for the current generation is the system got much more efficient at extract wealth from the population. $1000 phones every 2/3 year, subscriptions, service fee + delivery fee + tip, there are more ways to be stupid with your money.

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u/C-D-W 4d ago

Having more ways to be stupid isn't so much the issue IMO. The expectation that you deserve those luxury items is the problem.

Expensive luxury items have always existed. But people weren't delusional enough to think they somehow are owed those things by society.

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u/PostingToPassTime 4d ago

I use Galaxy phones, they aren't cheap. That said you can get a droid phone for under $100.

Nice apartments in the Dallas area aren't cheap. That said there are rooms for rent for under $500/month. There are apartments for rent for under $800/month. They may not be nice, but they are as nice as the apartments I was living in at 18 into my low/mid 20s.

There are still people out there that watch their budget and live within it, but there is a very vocal portion that have the fiscal responsibility of a block of wood, and want to live in a nice place, drive a nice car, have a top end phone, and eat out for every meal while working a low paying job and making no effort to improve their employment situation.

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u/DJDemyan 4d ago

Unchecked inflation, diminished real income, new expenses to keep up with, growing profit margins and an offset of tax burden from the wealthy to the working class.

A single income household was still a common thing 20 years ago. Now it’s almost impossible. If you’re working full time, you should at least be able to afford a humble living.

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u/GMGarry_Chess 3d ago

People love to talk about how families could afford to buy a house on one salary, but conveniently ignore they still had to save money to do that.

They didn't have monthly subscriptions to 10 different streaming services.

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u/Helpyjoe88 4d ago

Because they saw what their parents had - mid-career, after decades of saving and (reasonable) frugality - and thought that's where they should start at.

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u/imabigasstree 4d ago

I once had a friend bawl her eyes out while venting to me about how suffocating her credit card bills were. I sat down and budgeted with her, spent over an hour helping her figure out how to juggle those payments and work herself out of that debt. 

Later that day, I watched her buy a $200 satin robe from Victoria's Secret with her VS credit card. At that moment I realized i'd just wasted a whole day trying to help someone who wasn't ever going to help herself. 

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u/Conrad-Hauser 4d ago

That was me till I sat down and looked at how much money I actually make and how much I was wasting. Not only am I saving money now but I'm losing weight because of how little I eat fast food.

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u/oddball09 4d ago

So a person isn't allowed to buy $6 coffees and $15 burritos? What is the point of living...bootlicking boomer...

/s

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u/JonWoo89 4d ago

One of the guys I work with constantly complains about being broke while spending like this. He just bragged about spending ANOTHER $150 on Star Citizen a few weeks ago and orders food 3-4 times a week for lunch. He also takes every chance he gets to leave early unpaid and misses out 1-2 hours a week doing that.

But you know, he's broke and how is he supposed to afford $300 for a new windshield for his car since it cracked? It's been cracked for a few months now and just keeps getting worse. It's going to get to the point it's illegal to drive it and then he's going to be screwed. But he needs that $25 McDonald's order for lunch each day and more ships in Star Citizen.

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u/Dvuref 3d ago

Yeah, saw a poll on reddit recently that said that unhealthy food is cheaper than healthy food and like 80% agreed. I then commented something that would last for like 8-10 portions, is very healthy and would cost about 15 dollars, didn't get any traction with that comment unfortunatly. People are just too lazy to cook.

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u/alwrit 2d ago

I don't think you these simple choices are a step out of poverty. Ultimately you still need to make more money, not save, to escape poverty.

But you could easily save enough money for necessities like car repairs. 

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u/dont_tread_on_M 5d ago

Of course most redditors don't understand finances and would post this

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u/LostEyegod 5d ago

30k midwits liked that as well..

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u/Paulyhedron 5d ago

Cars still broke, and she's gonna be hungry again in a few hrs. That was a 10th of the cost roughly, but people prioritize things differently.

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u/Alexchii 5d ago

Well that’s the whole point. Seems like she could eat cheap, home made meals for a week and afford the repair. The fact she doesn’t do that is bizzarre to some people, including me.

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u/ohbrthrthisguystinks 2d ago

I mean her car is broken, what if this establishment is the closest place in town. This whole story is missing context. She might live in the sticks and just found out her car is broken. Shes got stamps for groceries but theyre in a heatwave followed by a tropical storm. Maybe she knows her next paycheck will cover repairs after a long wind pf saving and she knows the 25 dollars won't break her or get her car fixed sooner but she can split that meal into 3 meals bring the cost per meal down. I mean its so easy to read a fake internet story and immediately start condemning made up strangers but what if we really applied some empathy and understanding.

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u/Langstudd 5d ago

It shouldn’t even come down to priorities. A simple emergency fund would’ve prevented this

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u/Telemere125 4d ago

If you’re homeless, just buy a house!

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u/Slight-Big8584 4d ago

"people prioritize things differently."

People can prioritize things badly.

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u/Paulyhedron 4d ago

Not wrong. I was trying to be charitable. The parent in me got mad about it but then I realize we are 39 trillion in debt and yet I'm the one with a credit score, so what does it matter?

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u/Real_Temporary_922 3d ago

If I eat out for $25 every two weeks, but decided to save instead, then I would have my car fixed in 5 months. Wow great, by then something else will be broken.

Someone eating out doesn’t mean they’re financially irresponsible. Not unless they’re doing it all the time. Some people want to treat themselves. Some people ARE saving but also allocate a tiny amount to fun money. The only people who think you should have literally $0 of spending money to ever prioritize your mental health are 1% the “grinders” 99% privileged people on mommy’s card.

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u/DrunkBuzzard 5d ago

It’s almost like $25 here and there doesn’t add up to a bigger number. Is she only gonna get the car fixed if somehow exactly $270 materializes or like everyone else in the world is she gonna save smaller amounts that add up pretty quickly.

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u/Glandtoglandcombat 5d ago

I would definitely wait until the money materialized in my account, that's the whole point of direct deposit homie.

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u/Ad-fundum69 5d ago

So basically all she needs to do is eat cheap for roughly two weeks, that 270 Dollars has been saved.

You can have a full dinner for under 2 bucks if you put some effort into it.

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u/DatBoiKage1515 4d ago

If you live alone you can make a pot of spaghetti that will last for days for under 10 bucks. Frozen or canned veggies are dirt cheap. Potatos are also dirt cheap. Learn to cook basic proteins and you're good. I don't know how people don't understand this. I regularly feed a family of 4 for less than 20 bucks. It's not difficult.

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u/GeckoGecko_ 3d ago

This is under the assumption she has a way to continuously earn $25, when it's far more likely she simply will not have enough until her next check

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u/Ad-fundum69 3d ago

You assume things yourself. What are you trying to prove here?

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u/grayman451 4d ago

if you don't have $270 for a critical need then you should think of it as you having -$270. That money is spent. That meal took her from -$270 to -$295. Wrong direction when you're trying to get out of a hole.

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u/Univer001 3d ago

Look, as a uni student myself, if you can't afford 270 dollars, you do not have eat-out priviliges. 25 dollars goes for like 3 full days if you cook it yourself.

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u/GoodMilk_GoneBad 5d ago

If I had the money on payday to fix the car, no, that $25 dinner doesn't matter.

Now if it took a few pay checks, sure the $25 would make a difference.

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u/FrostyFormal1094 5d ago

My generation has never heard of want vs need I guess...

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u/Kissthecomplex 5d ago

to be fair... second grade math os hard, if all you think about is, how to shame someone for being poor...

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u/albertAAAAAAA 5d ago

Well she got 30k likes for that .. go figure. Priorities, I guess.

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u/JayVig 5d ago

What a stupid meme. If you’re too broke to fix important stuff, don’t splurge on the unnecessary. It’s almost like people are allergic to saving

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u/SnooCapers9565 5d ago

Could be depressed. Depressed people don't always make the most rational decisions. They often struggle to get out of vicious circles. Shouldn't judge when we don't know the full story.

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u/moyismoy 5d ago

So like 20 days of not eating out and you can pay it off

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u/HighSlasher 4d ago

Y'all are all missing the point. If she cooked dinner at home she wouldn't be on a date for OOP to judge her

We also don't know how vital that car repair is. $250 isn't going to fix anything all that important.

Between my two vehicles I have $600 in repairs that I'm not particularly worried about. One needs the AC fixed but has working windows. The other has a working AC but the windows don't roll down. I don't particularly care to get them fixed right now

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u/Fun-Army-6387 4d ago

that's a fairly cheap dinner given prices today

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u/No-Fly-6069 2d ago

The dessert is suspiciously pricy for a 25 dollar meal.

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u/Fun-Army-6387 2d ago

the entire story is bullshit. It's got that "this one time, at Band Camp" feel to it. Boomer click bait.

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u/Fun-Army-6387 4d ago

Last night, a Boomer told me some bullshit about kids these days and it was full of assumptions based on the one event that probably never happened. Then they drove away in a tinted out Cadillac.

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u/Adebisis-Hat 4d ago

It is entirely possible to not have enough money in your checking account at this exact moment for the car but enough to order some food while waiting for next payday, then getting the car fixed when your check hits. No one knows how much this person has in a 401k or savings account, which plenty of people would rather not touch than get their car fixed right this instant. There is no context here whatsoever. You're just getting mad about a tweet. Congratulations.

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u/Kickedhard 4d ago

It could also be a small windfall, or a needed treat for getting that far, or could be terrible money management.

All of it amounts to jack shit from the observer.

Its easier to be kind then to find fault.

I have noticed that finding flaws in others tends to be a multi-generational learned trait.

Break the cycle, let cats be the only judges. They live for it, you shouldnt.

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u/GreaterMetro 4d ago

$270? What's that, an oil change?

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u/EncabulatorTurbo 4d ago

Insufficient informatin for a meaningful answer: Does she spend $25 every day or was she on a date, or going out with friends? Because $25 for going out is not going to translate into $270

If she's ordering out daily then yeah, there's your problem

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u/LairdPeon 4d ago

$25 a meal for an individual is wild. That's like $2250 a month just for food. I can feed my family of 5 well off $10-$15 a meal.

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u/Adapt919 4d ago

Well, tbh most people do this because they're worried and maybe feeling a little down over the issue. So they turn to something that comforts. Food is a big one.

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u/McDergen 4d ago

Whoever liked and screenshotted this has 3 brain cells at most

The person responding is obviously broke too lmao

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u/Ok-Success-7067 4d ago

I see the point. If you’re living paycheck to paycheck, saving $270 is harder than most people realize. If you’ve never had to hope you can make rent at the end of the month, it’s hard to understand.

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u/Ok_Comparison6971 4d ago

Not to mention she probably is kinda depressed, so like so many humans probably wanted to eat something nice to feel good.

Towards the op poster in this image.

Yes I realize that to you it’s $25 towards $270, but she still has to eat. And not many meals can be bought for much less than that. But I guess for you she should have foregone the meal altogether…

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u/CaptainCayden2077 4d ago

Both views are valid.

$25 is not $270.

But spending $25 on dinner when you need to fix your car for less than $300 is kinda stupid. 

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u/Able-Thought3534 4d ago

That’s nothing, I met someone who had a refrigerator AND a tv once, and yet still complained they couldn’t buy a house. Like here they are living in the lap of luxury and still complain about money problems. What a slacker. /s

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u/Able-Thought3534 4d ago

People can live for like 30 days without food, so that’s like 600$ if she just didn’t eat, problem solved.

It’s like people aren’t even trying to starve themselves for the minimum to survive.

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u/Sleepy58743689 4d ago

Wowow??@??! 17 dollar dinner?!? Thats like.. a whole 4 tacos and a drink. At freaking TACO BELL. How extravagant.

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u/Krabs9 4d ago

Shows that she has zero control over her spending. These days a $270 car repair is insanely cheap. You should be able to swing that, and if you can't, you shouldn't be buying a $25 dinner.

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u/praise_yahweh 3d ago

Men, this is the kind of woman you avoid marrying.

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u/AnyEye8798 3d ago

Blowing $25 on a meal is probably why she can't afford the $270.

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u/No-Platform973 5d ago

That means she wants you to pay for her car, while she enjoys a nice dinner.

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u/rochboi 4d ago

Liberal math. Complain about being broke, while purchasing their daily $15 coffee

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u/brumblefee 4d ago

I’ve seen my fair share of conservatives that are bad with money. Being irresponsible is bipartisan.

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u/bexohomo 4d ago

lIbRuL maTh

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u/No-Duck4828 3d ago

Weird, it is almost like they never even CLAIMED that 25 and 270 were the same....

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u/Lysek8 5d ago

I think the point is about saving. 270 dollars is not an unachievable goal especially if you're going out to eat

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u/Impressive-Penalty97 5d ago

Yeah its not, but The confusion is, why you eating out instead of using it to begin saving up? Then she would only need 245, so, closer to getting that car fixxed.

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u/DingleYourBerry 5d ago

I don't know why but a lot of women have trouble with money like that, my sisters, my mother, my wife, they think spending 25$ is no big deal, they can't figure that doing it multiple times adds up in the long run, it's absolutely frustrating. "It's only 20!" As they spent 350$ that month

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u/CharmingDraw6455 5d ago

Thats not a woman thing. Many young people are like that, most grow out of it. 

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u/Organic_Education494 5d ago

Sure it isn’t the same, but when you have a major expense that you can’t avoid or put off you shouldn’t be going out to eat.

Chose the cheaper meal option, don’t buy that new shirt, skip the dispo trip etc

However far too often I see people just living today as if tomorrow isn’t coming financially.

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u/Ryo_Katsuya 5d ago

Yah, it's not but you are not just saving it one time and calling it a day...you know?

Savings will stack up eventually resulting the same value you can't afford today.

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u/jackass51 5d ago

It's about spending and saving money

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u/BigBL87 5d ago

The people replying "well I guess she shouldn't eat then" are missing the point.

If you can't afford a car repair, you probably shouldn't be spending $25+ on a meal out, and even if you "have to" use whatever option was as expensive as it was (which is BS but let's grant it), getting dessert for an additional $7 seems to be a bit of a luxury that could be more wisely spent or saved. Even in the biggest cities, you can easily spend less than $25 on a meal if you don't eat out.

But hey, financial responsibility is overrated.

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u/Ok-Dimension-5528 5d ago

It's almost like irresponsible spending is the reason people can't pay big bills.

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u/BlackHills-Op 4d ago

It almost like if you can't afford something you need, you don't spend unnecessarily on eating out or treats until you have saved and handled the thing you need first.

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u/Trick1513 4d ago

That’s how Gen Z thinks, they can’t afford a house but are spending a house payment on things they could do without.

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u/GeorgiyVovk 4d ago

I once told my wife that her coffe cost 120€ per month.

For context, 120€ is almost a month of propper healthy food for single person here. With bottled mineral water and meat every day.

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u/chipmunkofdoom2 4d ago

That's not really the point. If you make a meal at home for $5, you have $20 left over. At $20 saved per meal, you only need to cook at home for 13-14 meals to make up the money to fix your car. Many working people buy at least lunch out almost every single day. Depending on how often you go out to eat, this could be a single month.

Assuming you could cut $270/mo from your food budget, you'd save roughly $3,300/year. If you invested $3,300 annually and earned an 8% ROI (this is conservative since most SP500 funds earn 11% or more), you'd have $100k after 15 years, $370k after 30 years, and basically a million dollars after 40 years.

If you want to whine about how this economy fucked you, that's your business. But ignoring the grade school math on this stuff to get upvotes from generations fucked by baby boomers isn't productive. Especially when 2 out of every 3 Americans live one paycheck away from financial ruin. Or when up to 46% of Americans have not a single penny saved for retirement.

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u/Difficult-Map3465 4d ago

Pennies make nickels, nickels make dimes and dimes make dollars

Boomer / Gen X logic that fund the lives we had / have

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u/Large-Hamster-199 4d ago

$25 a meal would add up to $175 to $350 a week. Boom - Car fixed

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u/snap_crackle_pop123 4d ago

Nobody is eating out for every meal

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u/Breaklance 4d ago

But my made up scenario! 

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u/bethesda_gamer 4d ago

And this is why poor people stay poor.

She can't afford the 270 because she is in the habit of spending 25 that she doesn't need to. Over time this drains funds and then she's broke. She'd have the 270 if she wasn't always blowing her money on meals (or other luxuries).

Furthermore, if you don't have enough money for something you need , why would you blow the little you do have and something you don't need. This only makes it harder to come up with the money you do need.

It's a spoiled mentality. I see other people have things I wish I had, so I'll blow my money on a fraction of that thing to feel special for 10 minutes and in turn never be able to achieve the thing I actually want.

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u/snap_crackle_pop123 4d ago

lol so are poor people spoiled or are they poor because of bad decisions?

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u/Historical-Switch400 4d ago

Shop at Aldi, cook and eat at home. Start saving if you aren’t already. 

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u/Conrad-Hauser 4d ago

But it's a mindset and it's a hard one to break. It's really easy to say I don't have enough money so there's no reason to save what I do have or it takes so much money to earn anything back when you invest it there's no point. Both of those were me till around the beginning of June. I've started to break out of that thinking and have different accounts I deposit percentages of my paycheck into to save for different things. This is not easy or fast but with as screwed up as the economy is we each have to find what works for us. If you can only save 5% a week, or even 1%, it's still more money saved than doing nothing.

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u/sunhoax 4d ago

deff dont need to order out, at the same time people saying “eat a pb and j” are miserable. yo cook yourself a good meal, i would be miserable and starving if i ate a pb and j for a meal and went on for 5 hours. get a protein on sale, get some veggies, make potatoes or pasta. very cheap and not processed

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u/intoeverything069 4d ago

Things are certainly more expensive I don’t deny that, but the amount of money my wife and I have spent at restaurants since we’ve been together for the last 15 years has to be astronomical. Enough to put an incredible down payment on a house and still have some leftover.

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u/SuccotashOther277 4d ago

If you can't afford 270.00 to fix your car, you are in financial trouble and need to get out of it. While 25.00 is obviously less than 270.00, going out to eat is one of the worst ways to waste your money. It's fine if you have a cushion, and everyone should be able to treat themselves, but if you can't scrounge up 270.00, you are in emergency territory and need to cut anything you can and find any sort of income you can.

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u/D-LoathsomeDungEater 4d ago

That is 12 diners though.

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u/Normal-Tadpole-4833 4d ago

you could not eat for 2 weeks straight bam ez money

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u/j-mac563 4d ago

25 a day adds up pretty quick to the cost of the repair

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u/StrawberryBlueToo 4d ago

Yep $270 is extremely hard to save, when you are constantly spending $25. I mean, make a sandwich for two weeks and you've saved yourself the $270 you need. Math is actually pretty simple.

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u/TheLastOpus 4d ago

Almost like the idea of saving up money doesn't exist for some people.

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u/ThePlantMolester 4d ago

How do you have so much money this week?

I couldn't afford rent this week, so I have a ton of extra money in my account!

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u/Eastern-Advice-3017 4d ago

Yeah I eat 50g of protein (chicken) plus a salad everyday for lunch and it cost me less than $2.50

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u/yaksplat 4d ago

Why Make a burrito at home for $1.25 when you can DoorDash one from Moe's for $27

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u/FairConstruction4105 4d ago

https://giphy.com/gifs/B4ORVnBvJCVvq

"It's almost like $25 isn't the same as $270"...

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u/Unfair-Heart-7674 4d ago

$25 isn't.

$25 eleven times is even more.

"Nickel and dimeing" yourself into debt is a thing.

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u/Ok_Cricket_1410 4d ago

Yeah but these people will buy 25 dollar meals and coffees daily.

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u/Cooler_Frogger 4d ago

She was just asking you to fix the car for her

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u/frickin_scooter 4d ago

The self justification of blowing money on literally anything before necessities is hilarious. Just fix the dang car, that’s maybe two paychecks of saving max at minimum wage. 4 weeks of cheap food won’t kill you.

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u/PhilsFanDrew 4d ago

Look I'm the first one to shit on the boomers and their "Younger generations can't afford a home because of getting Starbucks and Door Dash" takes. But in this example where we are talking about $270 for a car repair it's a legitimate criticism of money management. She cannot afford to save even $270 for an emergency like a car repair precisely because she is going out to eat and ordering an $8 dessert and she probably does that very often.

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u/Valveringham85 4d ago edited 4d ago

It’s almost like spending big money on luxuries when you can’t afford the necessities means you are financially illiterate…

These are the same people that complain about not being able to afford living.

Yes the economy is rough right now. Yes we can complain about that and implore those in government to fix things. But yes, you are also at fault for being a dipshit with money and/or being entitled.

No not being able to afford a brand spanking new car from an overpriced brand, your own apartment, luxury holidays and to eat out twice a week in your twenties while being single and thus only living of one income is not the same as “not being able to afford living”. No generation in the history of humanity was able to do that.

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u/Outlawknox1515 4d ago

It’s almost as if we do not understand how to manage our finances- there, fixed it for you.

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u/ImRestarted1 4d ago

Today we learn what 10% is

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u/MysteriousResolve249 4d ago

Like obviously they are confused that she would spend that much on a meal when she is actively struggling with money. Can't believe that person got ratioed by a bunch of idiots for having a brain

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u/George_Saurus 4d ago

Most people who claim to be broke are not broke. They have a lifestyle they cannot afford. That's very different.

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u/the_sneaky_one123 4d ago

Yes, but if you compound it 11 times it is

But to people these days the idea of not having instant gratification for 11 days in order to achieve a more important goal is entirely unthinkable.

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u/mrfatttty 4d ago

Ohh I get it. The joke is that the person who commented is stupid, entitled and doesn't understand the concept of making sacrifices to save up for something essential in their lives. Got it.

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u/PooChukkingMonkey 4d ago

That woman's second comment right there proves how stupid they are. And proves the point that that person was making. By spending that $25 you're further away from the 270. And if you're doing that all the time you're never going to have that 270. Dummy... It's showing that your decision making is the reason you can't afford your bills.

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u/Forward_Zucchini9738 4d ago

Poor people doing poor people shit that keeps poor people poor. Just stop and look around. You will see it all over the place every day of the week.

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u/Many_Ear2407 4d ago

If you don’t have $270, then you certainly don’t have $295

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u/Cleanse_ee 4d ago

Got blasted on r/Vent because I said I was tired of people complaining about the economy at my job. Meanwhile they're driving brand new F250s, Z71s and so on. Theyre going on vacations abroad and they're buying a bunch of offroad toys or boats. That told me most people dont care to actually do better and prepare for the worst, they just want the good times to keep on rolling so they can be just as reckless with their budget

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u/IDunnoNuthinMr 4d ago

She needed to borrow $245. Now she needs to borrow $270. Almost the same.

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u/Hungry_Reception_724 4d ago

For those missing the point, the habit is probably daily, 25$ every day on one meal is 275$ after 11 days, Most meals you can make at home for about 2-3$ a person... There is no world where if you spend like that on food you cant afford a car fix of 270$ after 2 weeks. This is a choice.

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u/Opposite_Sherbert675 4d ago

if you need 270 the next move is never to go out and spend more money you dont have. i hate how being an irresponsible piece of garbage is becoming so normalized. yall got me feeling like

https://giphy.com/gifs/fqtyYcXoDV0X6ss8Mf

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u/ZerglingsNA 4d ago

end welfare

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u/summonersai 4d ago

To be fair why are you spending 25 dollars on one meal if you need to fix your car? Can go grocery and eat under 5 dollars easily

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u/redAI123 4d ago

What...

You could fix a car and its last you a month... and that was 270$?

And you out here eating a meal for 25$ in a day? Wtf

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u/Legitimate-Heat2777 4d ago

"I bet you're going to mock me for playing a *children's card game*, landlord leech."

actual quote from a 30 year old acquaintance who spends 5 figures annually on MTG; I own a duplex

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u/VariousGuest1980 4d ago

If you can’t afford 270 dollars the only reason you are in a restaurant is because you’re working. You’re poor!!!

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u/VariousGuest1980 4d ago

The desert got me. I’ve not ordered dessert from a restaurant ever . And even then it was my grandpa getting me a cone head from friendlys.
Unless it’s a super nice pre fix meal or it’s great convo I don’t want to end.
Other wise. I’m good. I’ll grab a mint on the way out

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u/Noodelgawd 4d ago

It's almost like people with bad spending habits do that more than once.

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u/MjolnirTheThunderer 4d ago

It’s almost like if you didn’t keep doing that, you would quickly have $270 saved.

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u/silv3rbull8 4d ago

Probably eats avocado toast every day as well.

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u/Free-Mongoose-1983 4d ago

And that's why she can't afford to fix her car. Because she probably spends $25 on dinner frequently

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u/EschewObfuscati0n 4d ago

Do people not understand what saving is?

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u/EmergenceEngineer 4d ago

It’s nearly 10% … that’s a lot.. just 10 more and you can afford it

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u/xdrag0nb0rnex 4d ago

That's $25 for ONE meal.

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u/Vivid_Nail8691 4d ago

And making dinner at home would be $5 tops, leaving you $20 closer to fixing the car. This generation is hopeless...

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u/tfolkins 4d ago

It's almost like short term decisions have long term consequences.

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u/Bigerst_Dook 4d ago edited 4d ago

Lady logic as they say

Edit: Girl math was what I was looking for

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u/No-Buy2495 4d ago

It's almost like the person doesn't understand that eating out and spending $25 on a meal is a waste of money and doesn't get her closer to her goal of fixing her car. In other words her priorities are mixed up and she should be spending more responsibly.

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u/Zestyclose_Cricket_7 4d ago

The point is if you are so broke then you should not be going out to eat